Search found 1371 matches

by WhyNotUs
Tue Jan 15, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Website/Tool for HOA
Replies: 16
Views: 1092

Re: Website/Tool for HOA

Our small HOA uses Google Site and Gmail
by WhyNotUs
Sat Jan 12, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3672

Re: Duffel Bag vs Wheeled Stand Up traveling

Duffels are preferred for sailing trips.
by WhyNotUs
Thu Jan 10, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5592

Re: How did you solve the pre-medicare healthcare riddle?

I live in an area that reportedly has highest health costs in US. Choices are PT job with access to buy group plan or pay $2,500 a month for plan with $6500 deduct and no vision or dental. Have to earn $50k just to pay for health insurance and deductible.

The system is broken.
by WhyNotUs
Thu Jan 10, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Purchased rentals, spent savings and now I am worried about debt
Replies: 19
Views: 2968

Re: Purchased rentals, spent savings and now I am worried about debt

My first priority would be to build an emergency fund and pay off the short term debt. Given your debt structure and life situation, I would want 3-6 months expenses in the bank. If you can keep the income train rolling this can have a good outcome for you over time but you need to be prepared for t...
by WhyNotUs
Thu Jan 10, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac
Replies: 17
Views: 974

Re: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac

AVG makes a good antivirus malware program that is free download. It is a bit of a drag to keep it running all of the time as it slows the system but for your use of cleaning your old drive, it should be fine. Download it and run it when you are going to be away from your computer for several hours....
by WhyNotUs
Mon Jan 07, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2473

Re: Who pays for apps?

If you didn't buy the product, you are the product.
by WhyNotUs
Mon Jan 07, 2019 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10520

Re: Fiance Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

Having both parties living on less than they make is a more important issue than your difference in strategies IMO. Having said that, if it was me, I would adjust plans for a $15k wedding to fill the down payment gap after I got married. You are trying to do too much with savings that are good for y...
by WhyNotUs
Sun Jan 06, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 73
Views: 3807

Re: 11 days in Europe...Budget and logistical advice please

General goals: See some tourist attractions, eat all the food, drink all the wine, meet/connect with as many locals as possible. We'd like to balance time spent maybe 25% tourist attractions/75% exploring locales. As someone else noted, if this is really your desired mix, then you have it made by s...
by WhyNotUs
Fri Jan 04, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Visa on Arrival Hanoi Vietnam
Replies: 6
Views: 791

Re: Visa on Arrival Hanoi Vietnam

I came in via HCMC and did Visa on arrival, it was a non-event. Short line, paperwork in order and on to customs.
by WhyNotUs
Mon Dec 31, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Too Heavy in Real Estate?
Replies: 12
Views: 976

Re: Too Heavy in Real Estate?

Well you seem to be doing something right as your net worth is high for your age. You are very heavy in RE and while your 5% cap rate is not terribly unusual in an area with appreciation, it is not a rate that would motivate most RE investors. Selling RE also triggers tax issues that would need to b...
by WhyNotUs
Mon Dec 31, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3407

Re: Bookshelf speakers under $300

I am very happy with my Elacs. Very good speakers for the price.
by WhyNotUs
Fri Dec 28, 2018 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to decide how to allocate next year's contributions and pros/cons
Replies: 18
Views: 1462

Re: How to decide how to allocate next year's contributions and pros/cons

Gap Period: What do you mean by a "a taxable account in a conservative, tax-managed investment"? I'm not sure what that would look like. Actual stock investments? Money market? I started with I-Bonds because they're easy to buy, easy to get out of if interest rates rise, but that may not be the wis...
by WhyNotUs
Fri Dec 28, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: How to decide how to allocate next year's contributions and pros/cons
Replies: 18
Views: 1462

Re: How to decide how to allocate next year's contributions and pros/cons

A lot to consider there, here are a few thoughts to consider: • Is your home laid out to accommodate you once your physical issues are manifest? If not, I would not continue excess payments and invest instead. In general, I would focus on investment rather than paying down mortgage if I was in a sim...
by WhyNotUs
Thu Dec 27, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 43
Views: 4656

Re: Tips on preventative home maintenance?

Some of it can be inspection in addition to maintenance tasks. Inspect • Crawl space- animals, moisture, insulation • Roof- flashing, loose shingles, signs of softness, attic for signs of moisture or insulation damage • Paint • Ventilation fans • Soffit vents Maintain • Water/WW leaky faucets, water...
by WhyNotUs
Thu Dec 27, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: 85% of trading is on autopilot-wsj article
Replies: 14
Views: 2010

Re: 85% of trading is on autopilot-wsj article

"Behind the broad, swift market slide of 2018 is an underlying new reality: Roughly 85% of all trading is on autopilot—controlled by machines, models, or passive investing formulas, creating an unprecedented trading herd that moves in unison and is blazingly fast." I did not go past the paywall and ...
by WhyNotUs
Mon Dec 24, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 5719

Re: How much do you pay for cable/internet/cellphone

INternet X finity $40 60 mps
Phone VZ prepaid $40 plus $30 for additional lines
Cable $0
Netflix Not sure I think it is about $10 for basic service
by WhyNotUs
Sun Dec 23, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 2788

Re: Stoic philisopher of Rome: Epictetus

A coping tool if you are in the US :happy I think of the Stoics more as offering aphorisms than a comprehensive philosophy but my degree in Philosophy is quite old now. Still it is one of the few degrees that one uses every day! Try Vedanta for a more comprehensive approach. Check out Swami Dayanand...
by WhyNotUs
Fri Dec 21, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9751

Re: When did the musicians on the titanic realize their fate?

And if you made it through 2007-2009, has your maximum tolerated loss changed? I am very interested in the psychology to these questions. Thanks in advance. I made it through 07-09 and my actions and attitude have changed. The rebound after that event helped me to rebuild my portfolio after a divor...
by WhyNotUs
Thu Dec 20, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 2542

Re: Best Albums of 2018

Nathaniel Rateliff & Night Sweats- (if you get a chance, see them live!) excellent second cd Tearing at the Seams Calexico- The Thread that Keeps Us (relevant to the times) Amos Lee- My New Moon (Amos had a metanoia) Earls of Leicester- Live at CMA (Flatt & Scruggs ish) Band of Heathens- A message f...
by WhyNotUs
Mon Dec 17, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: When to refinish the floors
Replies: 10
Views: 710

Re: When to refinish the floors

Modest wear may respond to a simple polish treatment with something like Bona polish. It can extend time until you need to sand/refinish while still looking good.
by WhyNotUs
Sun Dec 09, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3251

Re: Attic insulation-R30 to R60 worth it?

I direct your attention to the first graph, which explains what I was saying. It's referencing a "Wall" but insulation is insulation vertical or horizontal. Let the Link wars begin... :? Insulation values savings in walls and ceilings are not the same. Extra insulation in ceilings has higher benefi...
by WhyNotUs
Fri Dec 07, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 2993

Re: Travel now & work a bit longer, OR the other way around?

Both, travel now and later. Work an extra year or two. Most importantly, tell you children what a great job it looks like being a flight attendant or pilot for an airline that offers free travel benefits for parents so that you will have free air travel :D Can't help you with Galapagos on the cheap,...
by WhyNotUs
Fri Dec 07, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 3012

Re: Climate Concerns re: small Jersey Shore Vacation Home

This would most likely be a small 1 or 2-bed condo inside a large to medium-sized condo building, but we wouldn't rule out purchasing a small house. One upside of a condo is that you are pooling your risk and thus may get a little better pricing. I would look for the second floor and above :-) My q...
by WhyNotUs
Mon Dec 03, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 40
Views: 3424

Re: Renting out 1st first home; how to get mortgage for second?

What is the home in CA worth? Debt to equity? How much is TX home?
Might be able to do a cash out refinance on the CA home and pay cash. Could you qualify for that loan?
Debt on a rental can have some benefits.
Don't lie to lender about what you are doing though, be straight.
by WhyNotUs
Mon Dec 03, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6180

Re: Advice on Divorce Settlement Options

Not saying what I did was the best financially but it worked out well for my ex and I. Hi there, Question 1 -- IRA and ROTH IRA There is a ROTH IRA in my name and a Traditional IRA in my wife's name. Let's say my ROTH is worth about $120K and my spouse's traditional IRA is worth about $90K. I funded...
by WhyNotUs
Fri Nov 30, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2479

Re: Guy's Western US Ski Trip - suggestions?

Stay in Aspen, ski at Snowmass.
by WhyNotUs
Tue Nov 27, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 2908

Re: Time to buy/lease an electric or hybrid?

Seems like your goal is to get in the faster lane, low cost commuting, and a manageable monthly. A Solara should go for another few years before the costs get really high, assuming normal maintenance so you should have some time to deal shop. I have a Leaf and a good friend has a Volt. The Volt feel...
by WhyNotUs
Mon Nov 26, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6285

Re: Broken Sewer pipe - $10,000 to fix

+1 for the tool below. You referred to it as a "main" but it is probably a service line. The sewer provider will usually deal with issues on the main but the service line is homeowners responsibility in places that I have lived or worked. Camera will help you figure out what is happening. If there i...
by WhyNotUs
Mon Nov 26, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 56
Views: 5729

Re: Driving a car [in] Italy, any suggestion?

I generally choose not to rent a car but have done it. Outside of the large cities it is no big deal. Rome convinced me that trains and hiring drivers was my best choice in most circumstances. +1 on small cars. Here is a parking space that I recently came upon in Portugal http://i64.tinypic.com/245y...
by WhyNotUs
Mon Nov 26, 2018 12:22 am
Forum: Personal Consumer Issues
Topic: Travel To Cuba - Tips
Replies: 17
Views: 1909

Re: Travel To Cuba - Tips

Your request is hard to respond to as it is so general, so here are some very general responses. Cuba is a very large island and you did not say anything about your interests. • Almost everything is easier and less expensive if you are competent with Spanish. If not, you will be okay but will spend ...
by WhyNotUs
Sun Nov 25, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Best MVNO for Verizon Network - any updates?
Replies: 30
Views: 2049

Re: Best MVNO for Verizon Network - any updates?

Formerly did PagePlus and Kitty but ended up back on VZ prepaid for more data. First line is $40 and $30 for additional lines with unlimited talk and text and 3 Gb with carry over
https://www.verizonwireless.com/prepaid/#mix-and-match
by WhyNotUs
Sat Nov 17, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Update Re: Hubby soon to be laid off
Replies: 26
Views: 4937

Re: Update Re: Hubby soon to be laid off

Happy to hear of your success
:D :moneybag
by WhyNotUs
Wed Nov 14, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4662

Re: Accuracy of Zillow/Trulia/Redfin Estimates

I doubt that the Zillow people would expect people to use their algorithm- based valuation to price their unit for sale.
by WhyNotUs
Mon Nov 12, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 14157

Re: Are We In A Real Estate Bubble?

The real answer is no one knows but for conversation: The upper middle of the market will probably soften quite a bit and prices will flatten or decline if interest rates continue to rise. People who have high enough income to buy a larger home but not enough wealth to pay cash are likely to feel th...
by WhyNotUs
Mon Nov 12, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2043

Re: Best city car

Pretty hard to beat a prius for that type of use.
by WhyNotUs
Sat Oct 27, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4808

Re: Vehicle recommendations for long commutes in CO mountains

No longer own a Suby as I went electric but it is the perfect CO Mtn Car according to your criteria and many other people's criteria in similar setting.
Outback would increase your mpg about 20%.
by WhyNotUs
Mon Oct 22, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6596

Re: Personal Adventure - recommendations

You have a lot more blue water under your belt than I! Here is a story about the Habitat homes that survived the hurricane: https://www.washingtonpost.com/politics/panhandle-houses-intact-after-michael-were-often-saved-by-low-cost-reinforcements/2018/10/17/d3ca97c0-d152-11e8-b2d2-f397227b43f0_story....
by WhyNotUs
Mon Oct 22, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 26095

Re: PSA: Don't buy a big house

Signs that things require reconsideration: Own a couple large gas hog autos or SUVs on lease or credit Own a house larger than 3,000 sf Own a second home that you never have time to visit Higher income that you ever imagined but still cannot save 15% Have a watch that costs as much as your first yea...
by WhyNotUs
Mon Oct 22, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 47
Views: 8585

Re: Lufthansa Premium Economy

I really like lufthansa for going across the pond. A noticeable difference from US carriers. The benefits of PE were worth some additional money but not double the economy fare. The level and quality of service in both economy cabins was night and day above American, Delta, or United. I recently sig...
by WhyNotUs
Sat Oct 20, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5426

Re: Spoke with a CFP...underwhelming!

1. Most of the session was pats on the back on how 'well' I was doing, which I thought was nice for the first minute, but not looking to blow up my head. I'm just earning and saving, the same thing anyone else in America could do if they cares. When there's an actual will, there's a freaking way. N...
by WhyNotUs
Thu Oct 18, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6596

Re: Personal Adventure - recommendations

How about living in a gym and pounding nails? There will soon be a major building effort in places like Mexico Beach FL and Habitat Homes fared better than most in Michael. They will need plenty of hands and there are good physical and mental challenges ahead. One of my daughters went to coastal Mis...
by WhyNotUs
Mon Oct 15, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Thinking about a cruise to Cuba
Replies: 3
Views: 638

Re: Thinking about a cruise to Cuba

Time of the year? Peak hurricane season is a bit sketchy in Cuba as the huge island is a regular target. At the same time, they are world leaders in medical response to hurricanes. I would go during winter for climate and hurricane reasons. It is also very hot in much of Cuba in the summer. Not a dr...
by WhyNotUs
Sun Oct 14, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 52
Views: 3958

Re: Cancun in a few weeks

+1 Isla Mujeres
by WhyNotUs
Sun Oct 14, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Thinking about a cruise to Cuba
Replies: 3
Views: 638

Re: Thinking about a cruise to Cuba

I have not been on a cruise but sailed there two years ago. Cuba was wonderful, interesting, complex, and maddening all in one. If you dive or snorkel, look into side trips there as the reef is in better shape that most places, especially the southern side. If you eat on shore, keep your expectation...
by WhyNotUs
Sun Oct 14, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1608

Re: secure land for donation for county park

Conservation easement- do you have a local land trust? If so, contact them.

Do the homework to assess viability for building. Purchase subdivide, donate lot for put in and then sell the buildable portion

Work with county or advocacy group (rivers, trout, user groups) to seek funding for purchase
by WhyNotUs
Fri Oct 12, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1921

Re: Key West Hotels

We stayed at the Truman and enjoyed it on our last trip there. You did not say much about what you were looking for in a hotel so it may or may not be a good choice for you. We were looking for a place that was convenient walking to Duval/Mallory/etc. and nice but not too expensive for KW prices. Th...
by WhyNotUs
Mon Oct 08, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Outdoor Furniture
Replies: 9
Views: 1155

Re: Outdoor Furniture

We love our polywood set. 10 years old, out all year in harsh winter and big sun and still looks great. I check if I need to tighten the bolts every couple years and that is it. Not cheap but a long term value
by WhyNotUs
Fri Oct 05, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 20
Views: 2687

Re: Bareboat Charter in BVI

Why not just rent a power yacht?

You could probably find someone to rent you a sailboat as there are people out there chartering without a clue but if something goes wrong you would be ill-prepared to deal with it and thus put yourself or others at risk.