Search found 1077 matches

by renue74
Wed Jul 18, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 82
Views: 4296

Re: Direct Real Estate Returns

I've been running a what I think is a valid test case on RE investing, that I would like to share, fwiw. At this point, I really have to question the rosy scenarios laid out by some of the RE boosters here. However, I'd really like to hear from those who can point out where my test case is wrong, b...
by renue74
Wed Jul 18, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Question about new construction basement houses
Replies: 19
Views: 1203

Re: Question about new construction basement houses

We have a walk out basement in S.C. Not new construction....but the home was built in 1996. When we bought it in 2002, we had HVAC run a duct to it and 1 small return...because at the time, my wife was using it as an office. Consistently cooler in the summer. Our HVAC costs are minimal. Stays warm i...
by renue74
Wed Jul 18, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Hardwood Floors
Replies: 10
Views: 1128

Re: Hardwood Floors

+1 For selecting solid hardwood and having it installed, sanding and finished. You can never go wrong with that choice. Depending on what area of the country you are in, wood types may differ. In my area (Southeast), we have a prominence of red oak and pine flooring (in older homes). With great top ...
by renue74
Tue Jul 17, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 13
Views: 842

Re: Need Help Evaluating HVAC Needs and Quotes

Get a Manual J Load Test on your home. HVAC company goes through and looks at all the windows, factors in insulation, etc. and gives you a better idea of the system you need. A Manual J test cost about $150 here. It's hot and humid where we are in the Southeast and we have a heat pump in our 2nd flo...
by renue74
Fri Jul 13, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Real Estate Investment: Yay or Nay?
Replies: 27
Views: 1995

Re: Real Estate Investment: Yay or Nay?

Bad rental. Your rental analysis:

https://docs.google.com/spreadsheets/d/ ... sp=sharing

Banks will require at least 25% down because it's an investment property.

You'll net -3.28% per year and that's bare bones accounting for expenses.
by renue74
Fri Jul 13, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 82
Views: 4296

Re: Direct Real Estate Returns

My rental testing sheet: https://docs.google.com/spreadsheets/d/1uKk-f2aAGNtGNGdXnWvVQWuMR5JmR8Dz425poxCIC2s/edit?usp=sharing In the South, we can buy houses for $38K. I just bought one in March. (Though, they are getting less and less frequent these days) I have 3 rentals and the average about 14%....
by renue74
Fri Jul 13, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2459

Re: Logging out 20 acre lot?

I'm assuming the lumber you are cutting is for pulpwood for paper. Depending the wood, prices are pretty high right now....but it sounds like you're going to be swimming against the current as far as the value. Why not just let it go back to the bank. To me, it sounds like you're trying to save it, ...
by renue74
Wed Jul 11, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3208

Re: Masterbath Remodel - Tub or No Tub ?

Smaller tiles on shower floors are also designed for the shower floor slope. Mosaics are easier to lay with the floor sloped to the drain. I just installed a 36" x 60" shower in an AirBnb I'm working on and used a marble mosaic with small 1" rectangular tiles. Used a preslope tray and it worked fine...
by renue74
Wed Jul 11, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1083

Re: Printing photos from JPG files

The paper is pretty much the same across the board. There are not many manufacturers who make photo paper any longer. As one poster noted, the limiting factor may be your JPEG. Most pro photographers shoot in .RAW format...which has a lot more data in the file than a JPEG. In layman's terms, let's s...
by renue74
Tue Jul 10, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1083

Re: Printing photos from JPG files

Put the images on a thumb drive and you can take them to any Walgreens, CVS, Walmart and they will print them for you.

I think most of those places also give you the ability to manipulate the images a little....cropping, B/W, sepia, etc with on-screen adjustments before you print.
by renue74
Mon Jul 09, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 3757

Re: Flooring for New House

LVT has really gotten a lot more popular in the last 5 years. To be honest, I found out about LVT from people at biggerpockets.com....who would put them in rental house because they were more durable than laminate flooring. The water proof aspect is huge in a rental. Personally, I always felt LVT wa...
by renue74
Fri Jul 06, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 3999

Re: Pitfalls of real estate investing

Watch out at biggerpockets, though. They have folks over there who are head over heels in love with REI. Markets like Detroit, Memphis, Indy, they all look appealing from afar. But, you have to know the neighborhoods or trust a really good property manager. I personally own 4 rental properties in my...
by renue74
Fri Jul 06, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 2902

Re: Coffee Grinder recommendations

OMG Bogleheads are Bogleheaded until they're not. Who's gonna pay $1400 for a coffee grinder? I enjoy the occasional espresso. I have this $23 manual grinder. It's awesome and I love it: https://www.amazon.com/JavaPresse-Manual-Coffee-Grinder-Stainless/dp/B013R3Q7B2/ref=sr_1_2_sspa?s=home-garden&ie=...
by renue74
Fri Jul 06, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14503

Re: How to "retire" in your 30's article

I think it's great. Sure, the article will be sensationalist because that's what journalist do...try to get eyeballs on their work and share information. If anything, it's an example of someone with a plan and propensity to save. Is this something Bogleheads (or anybody for that matter) need to have...
by renue74
Thu Jul 05, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Removing dead poison ivy
Replies: 24
Views: 1319

Re: Removing dead poison ivy

Post the project on craigslist or nextdoor. Be up front and tell them it's poison ivy.
by renue74
Tue Jul 03, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15152

Re: Retirement Destination - are you happy with your choice?

I grew up in NC and now live in SC. My folks live in St. Augustine, FL and I visit them many times per year. I went to school in Chapel Hill, NC....so I have a good "barometer" of your Durham/Raleigh area. Weather The summer heat in RDU is similar or identical to Northern Florida. I find it amazing ...
by renue74
Tue Jul 03, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing question: smaller house or interim rental
Replies: 15
Views: 837

Re: Downsizing question: smaller house or interim rental

I'm only 43....but have thought about this scenario a lot. What to do when retirement hits for our living arrangement. My dad...68, has downsized many times over the last 10 years. Maybe we as Americans have too much stuff? Go to Europe and folks live in 700 sq/ft apartments that hold all their poss...
by renue74
Tue Jul 03, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 30
Views: 3530

Re: Cordcutters - Playstation Vue

Playstation VUE....I've had for a couple years now. We cut the cord a couple summers ago. Wife and kids hated me for about 3 months, but then it all settled down. We were paying about $160 for Direct TV. I got it down to $29.99. I just looked at my transaction history and I see VUE is doing the same...
by renue74
Tue Jul 03, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 2837

Re: How Not to be a Slave to my Wood Deck?

We had a 16x20 wood deck in 2002 when we bought our home. For years, we had the same issues. It was just pressure treated pine. About 5 years ago, we removed all the old deck boards and replaced them with an early form of Trex composite decking. Not the super fancy stuff you see in HD or Lowes now. ...
by renue74
Sun Jul 01, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 9720

Re: Stocks vs. rental property

In 2013, we came into some extra money. We always wanted to have rental property. I'm a very handy person and love to tinker/build/fix things. Over the past 5 years....we've bought 4 rentals....some in really bad shape, some not so bad. It's definitely a business. If you want to make money, you mak...
by renue74
Sat Jun 30, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2344

Re: replace old central AC unit?

HVAC guys will tell you that even the best, newest air conditioners will be under strain in 95º+ temps. I'm sure a newer unit will save you $ on your power bill and probably be better at cooling. I just bought a Trane XR15. Totally new system and new duct work in a bungalow I'm flipping. I ran it to...
by renue74
Fri Jun 29, 2018 3:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 408
Views: 40356

Re: Pulled the trigger and paid off the house today

Congrats!

I honestly never thought that paying off a house would be an opportunity for jealousy. I'm 43 and only know a few folks who paid theirs off "and" I knew about it. I've always told them "that's great! what a relief to know your largest debt is over with!"

Enjoy the weekend.
by renue74
Fri Jun 29, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2726

Re: Ductless Mini Split AC

I just came back from vacation in a Maui condo where a ductless system was used. 2 fan units (living room and bedroom) and a compressor outside. It worked well, but I'm not sure of the energy efficiency. Maybe others have info about that. Each unit had it's own wireless remote control and I could tu...
by renue74
Thu Jun 28, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 71
Views: 5305

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I think when AirBnB started out it seemed like an extremely relevant market where you have extra rooms near cool places that could be rented for substantially lesser than nearby hotels. I used AirBnB back then and I thought that it would be industry changing or I would be a lifelong customer. I don...
by renue74
Wed Jun 27, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 9720

Re: Stocks vs. rental property

In 2013, we came into some extra money. We always wanted to have rental property. I'm a very handy person and love to tinker/build/fix things. Over the past 5 years....we've bought 4 rentals....some in really bad shape, some not so bad. It's definitely a business. If you want to make money, you make...
by renue74
Sat Jun 23, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Washer Dryer Deals
Replies: 7
Views: 581

Re: Washer Dryer Deals

I agree with the CL "deals." I have bought refrigerators for rental property on CL.

The best ones to look for are listings that indicate they are "upgrading" or "remodeling"
by renue74
Mon Jun 18, 2018 2:15 am
Forum: Personal Consumer Issues
Topic: “Day to kill” in Venice Italy
Replies: 51
Views: 3455

Re: “Day to kill” in Venice Italy

We did the RS Venice, Florence, Rome trip a few years ago. The itinerary doesn't get any more teenager friendly in Florence and Rome. Plenty of churches and museums. In our group, there were 2 younger teens, but the rest were forty or over. In Florence, we took a cooking lesson as part of the RS gro...
by renue74
Wed Jun 13, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Changing DNS service to provide more security
Replies: 14
Views: 1506

Re: Changing DNS service to provide more security

Change the DNS on your router and that will work for all computers in your network.
by renue74
Wed Jun 13, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Skilled trade career advice
Replies: 18
Views: 1538

Re: Skilled trade carrier adive

Residential electrician. Differs by state, but in my state, I think you have to be a journeyman for a year or two before you can attempt to obtain a license. I do a lot of rehab/remodel work on rental and flip property. Since the properties are not my primary residence, I can't do my own general con...
by renue74
Wed Jun 13, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2708

Re: Trade-up my $89 Walmart bike

About 5 years ago, I was heavy into Mtn. biking and road biking. Maybe 100 to 150 miles per week on the road bike during the summers. It consumed a ton of my time. I bought my 2 bikes on craigslist from folks who gave up the sport. I don't even want to say how much I spent on them. Look on CL and yo...
by renue74
Wed Jun 13, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 7259

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

Daycare costs, student loans, housing costs relative to salaries, and baby boomers’ decisions to “kick the can down the road” are the main reasons why millennials aren’t having as many kids as boomers did. +1 I have a small web design agency and employee 3 millennials. None own home. When the conve...
by renue74
Tue Jun 12, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Maui Hikes
Replies: 11
Views: 651

Re: Maui Hikes

livesoft wrote:
Tue Jun 12, 2018 2:09 pm
"Best Hikes on Maui"
Did this...days before I posted today. I have a list already.

Looking for unbiased insight from folks.
by renue74
Tue Jun 12, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Maui Hikes
Replies: 11
Views: 651

Maui Hikes

I'm taking my family to Maui later this week and have done a ton of research. We've all visited Oahu a few times, but found some great flight pricing and decided to go to Maui this time. We'll get plenty of beach time and snorkel time in. We are there for 10 days. I'm looking for suggestions for you...
by renue74
Mon Jun 11, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: “Day to kill” in Venice Italy
Replies: 51
Views: 3455

Re: “Day to kill” in Venice Italy

We went on the RS 10 day tour about 3 years ago. One of our best vacations ever. I know the tour guide does have some "leeway" on what he/she does with the group....and our guide actually set up a gondola ride for the whole group at a much discounted price....because it was 20 people in 4 or 5 boats...
by renue74
Fri Jun 08, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 4927

Re: $1M Question

You're on a forum that focuses on index investing, high rate savings, and living semi-frugally.

It's like going to a forum of tattoo artists and asking how to change the brake fluid in a 1982 Chevy Chevette.
by renue74
Tue Jun 05, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: storing backpack in Seattle
Replies: 11
Views: 1351

Re: storing backpack in Seattle

BagBNB....$6/day luggage storage. One location near Pike Place. https://bagbnb.com/luggage-storage/seattle Also....I've stashed my luggage at hotels I didn't stay at a few times. If I had a free day before a flight in a city. I'll drop off luggage at a hotel that has an airport shuttle and then go i...
by renue74
Tue Jun 05, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Monthly "Auto Exchange" on Vanguard
Replies: 7
Views: 620

Re: Monthly "Auto Exchange" on Vanguard

Log into your Vanguard account.

My Accounts-->Account Maintenance

Click the "Automatic Investment" link under Banking and Money Movement.

Set up Automatic Investment. You can set it up to auto invest from your Settlement fund.
by renue74
Tue Jun 05, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 2039

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

My son's bedroom is above our garage. His room has always been temperamental when it comes to heating/cooling. At first, I thought it was garage below....because the garage door is not insulated, so it get's fairly cold in the winter and warm in the summer. We live in the south. We had a plumbing le...
by renue74
Fri Jun 01, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Rental website ?
Replies: 2
Views: 342

Re: Rental website ?

Zillow
Craigslist (depends on the geolocation as to whether you get anything good)
Trulia
by renue74
Fri Jun 01, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Beach condo vs mountain cabin investment property
Replies: 30
Views: 2594

Re: Beach condo vs mountain cabin investment property

My inlaws have a great lakefront cabin about 75 minutes away from us. My aunt owns a condo in Myrtle Beach about 4 hours away. They each beg their family to use it because they don't....yet we don't either because we have stuff going on. Owning vacation property takes up a lot of resources and I fee...
by renue74
Fri Jun 01, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3640

Re: Sherwin Williams paint

I have several rental properties and rehab homes for "fun." We only use SW or BM paints. Superpaint on interiors and Duration exterior. We use BM ADVANCE for interior trim work. One painting secrete nobody really says........buy an 18" roller and roller tray...with a huge extension pole to handle th...
by renue74
Wed May 23, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5811

Re: Florida Living

Wherever you're thinking, plan a week's vacation there during the summer. My wife and I were thinking Ft Myers to retire. We went there for a week. We crossed all of Florida off our list. My mom has lived in Orlando for 10 years and just sold her place to move back to Massachusetts. She got tired o...
by renue74
Wed May 23, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Parents with pre-K kids and 529 target
Replies: 50
Views: 3028

Re: Parents with pre-K kids and 529 target

I started a 529 for each of my kids at birth (15 and 13). I had used the auto investment option for most of that time, plus contributed extra when I could and when I got large bonuses, etc. Late last year, both kids hit the $100K mark and we stopped the auto invest, plus I don't contribute any other...
by renue74
Tue May 22, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5811

Re: Florida Living

My dad retired to St. Augustine 28 years ago. I used to visit him every summer and watched that area grow. It's a great area and I love to go back to enjoy. The drive to St. Augustine down to Flagler area on A1A reminds me of the "older" Florida. My dad was retired military and we used to go to the ...
by renue74
Tue May 22, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5105

Re: Buy an old farmhouse?

Buy it....before I do.
by renue74
Mon May 21, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: International travel for Christmas
Replies: 26
Views: 1529

Re: International travel for Christmas

Getting 5 tickets using points on the same flight around the holidays internationally....sounds pretty difficult. I would go to the Caribbean and relax. The holidays are always packed with plans, family, etc. I always wanted to be one of those "families," that traveled for vacation that time of the ...
by renue74
Tue May 15, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Did you go 100% Cash-FDIC in 529 at HS graduation or before?
Replies: 13
Views: 1174

Re: Did you go 100% Cash-FDIC in 529 at HS graduation or before?

I have a 15 and 13 year old. They've been in the SC 529 plan for 15+ years. Age based allocations and then you can choose "aggressive, moderate, conservative" I had used aggressive the whole time, but decided in January to move to the moderate allocation....(70 bond/ 30 stock) Each one has about $11...
by renue74
Tue May 15, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2762

Re: Am I working with the wrong realtor?

On Realtor.com, most of the homes in my town are pending sale within 1 week. Many will say "Under Contract - Show Property" I'm assuming that means that sure...it's under contract, but the seller and seller agent are keeping backup offers. I don't think that a contract is broken because an offer com...
by renue74
Mon May 14, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Seeing a rocket launch in FL
Replies: 15
Views: 1576

Re: Seeing a rocket launch in FL

I have nothing really add, but I will not that I saw a shuttle launch about 25 years ago. My dad lived in St. Augustine, FL and I would visit in the summers when I was a teenager. We drove down to see a launch. The one thing that I really recall....it wasn't as loud as I thought it would be. You see...
by renue74
Mon May 14, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Inexpensive and comfortable outdoor patio furniture
Replies: 7
Views: 839

Re: Inexpensive and comfortable outdoor patio furniture

We purchased our outdoor furniture from craigslist a few years ago. When folks "upgrade" their outdoor stuff or have too much money to burn, you can find really nice furniture at a fraction of the price of new. We also bought cushions from Garden Ridge. They only last about 4 seasons and that's with...