Search found 1164 matches

by renue74
Wed Oct 17, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 77
Views: 4155

Re: Personal Adventure - recommendations

I looked into this a couple years ago, but never did it. A 418 km bike trail from Lake Constance (Germany) to Salzberg. Bodensee-Königssee Cycle Path https://www.bodensee-koenigssee-radweg.de/de/startseite It's a nice path through the northern part of Bavaria....so it's not extremely difficult and t...
by renue74
Mon Oct 15, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Maui - Ka'anapali Beach Hotel
Replies: 15
Views: 1974

Re: Maui - Ka'anapali Beach Hotel

We went to Maui in July. Stayed at the grand Wailela for 3 nights and then an Airbnb condo for 5 nights, I used points for the hotel stay. The water park was nice, but the hotel was just OK. We loved the Airbnb. I think we paid $150/night. Would do it again. Close to food, grocery store, beach. Had ...
by renue74
Mon Oct 15, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: White LED Christmas Lights
Replies: 7
Views: 875

Re: White LED Christmas Lights

I don't have an opinion on specific brands, but I will suggest purchasing MORE than you need and if you get a bad batch...you have backups because it will be difficult to color match them exactly.
by renue74
Wed Oct 10, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Timber as an alternative - didn't work so well...
Replies: 19
Views: 2788

Re: Timber as an alternative - didn't work so well...

My inlaws have 99 acres in the south. They are within 5 minutes of a wood yard (central location that logging trucks bring harvest logs). This year they cut out 30 acres and the payoff was horrible. They didn't plant the pine, but had purchased the land next to their land...because they like to have...
by renue74
Tue Oct 09, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1334

Re: Smarthome system that is local

I just installed Samsung Smartthings in an AirBnB. I added z-wave light switches to all public lighting (kitchen, hall, laundry, mudroom, living room, porch lights). Lack of outside internet connection can limit your ability to do things. I love that I can check if a light is on and turn it off from...
by renue74
Mon Oct 08, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: YAFEJT- Yet Another Fleeing Edward Jones Thread
Replies: 6
Views: 683

Re: YAFEJT- Yet Another Fleeing Edward Jones Thread

"See everything at once." • You could use one of those portfolio sites like SigFig or Personal Capital that consolidates your accounts. • At one point, I know Vanguard had a way to add outside accounts (manually). I did that but lost track of it in my vanguard account. I actually use Google Sheets a...
by renue74
Mon Oct 08, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment 50% of assets
Replies: 21
Views: 1884

Re: Apartment 50% of assets

I don't wish to rely on the value of my rental property to sway the way I invest. I already converted to index investing in 2015 after I found this forum and have a conservative 65/35 allocation at age 44. I look at the real estate portion of my portfolio as the "over the top" part. If one day, I de...
by renue74
Mon Oct 08, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Renovation vs. Move
Replies: 11
Views: 809

Re: Renovation vs. Move

As a side gig, I buy and renovate homes (rental property, flips, & recently Airbnbs). A few points: • The estimate will always be lower than the actual cost of the reno. Always. Be prepared to 10-20% more. • Remodeling is one of the most stressful times in a married couples lives. Google it. You'll ...
by renue74
Mon Oct 08, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment 50% of assets
Replies: 21
Views: 1884

Re: Apartment 50% of assets

A large portion of my net worth is tied up in rental homes and an airbnb. All of them have no mortgages. I don't change my mutual fund investments because of this. When I calculate our portfolio, I simply add the "market rate" of the properties...but I do it with more conservative estimate. At some ...
by renue74
Mon Oct 08, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: shingles or metal roof and open cell foam or cellulose
Replies: 2
Views: 334

Re: shingles or metal roof and open cell foam or cellulose

When you say "open cell foam," do you mean closed cell spray foam?
by renue74
Wed Oct 03, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11753

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

In our state, there is a legal document seller disclosure form.... "To my knowlegdge, .... blah, blah, blah" about each mechanical and foundation item in the house. HVAC is one of them. Basically, asking do you know if the HVAC system is broken or not. I buy a lot of rental houses and 99% of the tim...
by renue74
Wed Oct 03, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Yet Another "Can I Retire Yet" Thread
Replies: 30
Views: 3440

Re: Yet Another "Can I Retire Yet" Thread

If you've dreamed about it, churned the numbers, etc. You've planned it.

Do it and if you don't like it, find a fun job or part time gig to do.
by renue74
Mon Oct 01, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6708

Re: Why is Home Part of NW [Net Worth]

We live in a LCOL area and our home is not worth a lot, but if we ever downsized or moved to a different area...I think that we would find a comparable costing home...so we don't really count a house as part of net worth. We do have 4 rental properties that account for about $465K of our worth (with...
by renue74
Thu Sep 27, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Am I the only one...[using multiple accounts]
Replies: 27
Views: 1365

Re: Am I the only one...

We only have our Vanguard accounts, separate checking accounts, and one money market account. (Kids have separate state sponsored 529 accounts.)

Simplicity works for us.

As far as an emergency fund, we could pull from investments.
by renue74
Thu Sep 27, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3455

Re: Good flip flops

Reef flip flops. I bought one pair last summer and my kids took them over. So I ended up buying a 2nd pair this summer.

https://www.amazon.com/gp/product/B00KY ... UTF8&psc=1
by renue74
Mon Sep 24, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Changing careers (changing gears) - Can I?
Replies: 10
Views: 1052

Re: Changing careers (changing gears) - Can I?

Is there a way you can modify your current gig to make more enjoyable (and maybe less profitable)? How about paying a little bit more, delegating client relationships and other less desirable activities? Work your way out of the business to part time but still maintain some residual cash flow. I ac...
by renue74
Mon Sep 24, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3382

Re: $450 for 1.5 hour plumbing job normal?

I licensed plumber who does stuff occasionally for my rental properties charges $85/hr., plus supplies. $450 was way too much. On a side note, I had a new kitchen sink and disposal to get installed. My guy was super busy last week and I called another guy (I got his contact from Nextdoor), and he sh...
by renue74
Mon Sep 24, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Changing careers (changing gears) - Can I?
Replies: 10
Views: 1052

Re: Changing careers (changing gears) - Can I?

Portfolio: $1.6M (Not including 529 Plans) Net Worth: $2.5M Note: Wife (48) is a teacher with state pension and family healthcare. $50K/year Me (44) small business owner, salary fluctuates...averages. $50K/year :shock: That's amazing networth on $100k income. Your passive income generates about wha...
by renue74
Mon Sep 24, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Changing careers (changing gears) - Can I?
Replies: 10
Views: 1052

Changing careers (changing gears) - Can I?

I've been a small business owner since for 19 years. In 2017, I started not loving what I do any longer. Just like others here, I make enough to be fine and not "look for the next career move." I own a small web design firm and I'm finding it more and more difficult to attract and retain employees b...
by renue74
Fri Sep 21, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2231

Re: Home away from home

Find an AirBnB with good amenities. You can work out a deal to take X week per month with the owner.
by renue74
Tue Sep 18, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Long term stays/vacations
Replies: 11
Views: 1594

Long term stays/vacations

A few years ago, we vacationed in Italy for 2 weeks. The last few days, we took the train to Lake Como. A great way to end a long vacation. At some point, I would love to stay there long term and use that as a "base" for other exploring. Long term = less than 180 days, I know...but maybe 2 or 3 mont...
by renue74
Tue Sep 18, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1311

Re: Attic Insulation Removal/Replacement Costs

I live in SC and just insulated an AirBnb house I'm working on. 1500 sq/ft of space at R49 cost about $1100 in materials. I blew it myself (with my son feeding the blower.) I think your price is a good deal. As one said, removal of the old stuff and sealing are the tough parts. Remove, take the dump...
by renue74
Tue Sep 18, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25232

Re: What is your single most expensive mistake?

• Paid Financial Planner about $1300/month for almost 2 years. • Bought a $1,500 website domain by mistake. (Clicked too fast and just was trying to finish the transaction. Later sold it, though) • Own a small company, "C" Corp....the tax man double taxes me for the last 20 years. Just cut a check f...
by renue74
Tue Sep 18, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Need help in solving Tenant landlord issue
Replies: 26
Views: 2427

Re: Need help in solving Tenant landlord issue

I'm a landlord in SC. In my state, the landlord is to provide a letter within 30 days of move out indicating any damage and the cost associated with the damage to the tenant....along with the balance of the security deposit. Magistrate doesn't like landlords who don't follow that process. It sounds ...
by renue74
Thu Sep 13, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 3056

Re: How to determine quality of a finished new construction home

Most of the time, the home finishes are a big factor in the final cost of a home. "Builder grade," finishes are things like faucets, etc. that one can purchase from Home Depot, etc. Higher end homes will have designer brand finish materials, often purchased from showrooms. The basics, wood studs, in...
by renue74
Thu Sep 13, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2983

Re: Do you use social media to enhance your travel experience?

When my family travels, I rarely share photos. I do take a lot and upload them to a private Google Photos archive. But, never really share on FB or Instagram. I'm 44 and have swore off using FB. I rarely use it for personal use and only have an account in order to place client Facebook Ad campaigns....
by renue74
Thu Sep 13, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11454

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

Will give you a POV from a small business owner. A few years ago, sold a side gig business and am FI at 44. Still have main business, but each year, it's harder to get excited about it. The only constant is change....and now I hate to see bad clients and have less effort to appease them. You know wh...
by renue74
Thu Sep 13, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Need burner phone for wife traveling in Italy
Replies: 24
Views: 1939

Re: Need burner phone for wife traveling in Italy

We went to Italy a couple years ago. We used wifi a lot for iMessages....but we also had Verizon turn on a $40 international plan for 1 month.

Worked great. No issues.

I would contact my your current provider and check with them first.
by renue74
Wed Sep 12, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2661

Re: The Atlantic: 'Why is College In America So Expensive?'

I saw that NYU is offering free medical school which is a huge incentive to encourage some of the most gifted students that are deterred by the amount of debt. The most foolish thing to me is going to a mediocre school for a liberal arts degree with no career or graduate school plans. Everyone does...
by renue74
Wed Sep 12, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8420

Re: Botched countertop installation - leave it as-is or risk the repair?

Recaulk the sink. The purpose of the caulk is to stop water from touching your cabinets and space below.

It's not a big deal and shouldn't be made into one. It literally takes 2 minutes to recaulk.
by renue74
Tue Sep 11, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 39
Views: 5466

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

Option 1 - Find another position. Even if not in the same company, you can look for another position. Most likely, you are not ready to change your lifestyle...so finding another job is probably best. Unemployment is at a low...so it may be easier to find a position, even if not as high paying. If y...
by renue74
Mon Sep 10, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10188

Re: Side Hustle Options/Suggestions.

Amazon FBA, Upwork, TaskRabbit, Amazon Mechanical Turk.

BTW...an earlier poster who said dog walking....I just had lunch with my old business partner. He told me he knows a guy making $50K/year as a full time dog walker. #wth
by renue74
Mon Sep 10, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Home Foundation Water Mitigation in So. Carolina
Replies: 6
Views: 459

Re: Home Foundation Water Mitigation in So. Carolina

I live in SC....near Ft. Mill. I'm pretty sure most of Lexington Co. contains sandy soil. Most homes in this area don't require sump pumps or french drains. To be safe, I would definitely get an inspection on the system. Not from a general home inspector, because they'll basically tell you that you ...
by renue74
Fri Sep 07, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Large Family Trip - Florida or Carribean
Replies: 24
Views: 1765

Re: Large Family Trip - Florida or Carribean

Last summer, we vacationed at Sanibel. I have 2 boys and they loved the shell hunting. Truly the best shells we've ever found. But, that was in July...the water was warm,etc. I probably wouldn't go there in cooler weather. I LIKE warm water also. I don't do any "brisk" water. A few years ago, we wen...
by renue74
Fri Sep 07, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Selling Internet domain name based on family last name.
Replies: 29
Views: 2723

Re: Received inquiry about purchasing domain name based on my own last name. How to respond?

I own a small web design firm. I often have side gigs and buy domains that I may use in the future. About 4 years ago, I bought this stupid domain name from Godaddy. To be honest, I bought it on my mobile phone...while I was tent camping. But, I stupidly paid $1500 for the name. I didn't even really...
by renue74
Wed Sep 05, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10164

Re: Max you should invest in a 529?

I started 529 plans for both my kids when they were born. We consistently funded with smaller amounts and each time I had a "big" life experience with money, we would add large chunks. (bonuses, sale of a small business, etc.) We expect our kids to go to a 4 year public university and the going rate...
by renue74
Tue Sep 04, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18520

Re: How to Retire in Your 30's with $1 Million in the Bank

These posts pop up every few weeks. Regardless of post contents, you'll always have the negative comments. It could be a post about the discovery of a Unicorn with rainbow hair that helps sick children recover after surgery and somebody will say something negative. The key is...the title should be "...
by renue74
Fri Aug 31, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: keep rental condo?
Replies: 18
Views: 1378

Re: keep rental condo?

Sell. Your returns are too low and this doesn't even count maintenance expenses such as replacing appliances, carpet, etc.

https://docs.google.com/spreadsheets/d/ ... sp=sharing
by renue74
Fri Aug 31, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7765

Re: I want to pry my friend away from Edward Jones

I had a couple friends with EJ. Had conversations with them, but neither have moved. The thought process of "moving," in itself seems like a heavy duty project....but we know differently. It only takes a few phone calls. I've given up. I try not to talk about investing with friends any longer. It ma...
by renue74
Tue Aug 28, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2278

Re: Installing a new toilet - shut off valve and wax ring

Just installed 2 "VorMax" toilets in a house. I used the Danco perfect seal ring from home depot. I think it was $10 or so. It's basically a wax ring inside a protected rubber ring. It wasn't as messy and I could reposition the toilet if I screwed up on setting it. https://www.homedepot.com/p/NEXT-b...
by renue74
Fri Aug 24, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: find Hvac contractor
Replies: 14
Views: 1170

Re: find Hvac contractor

The price is not unreasonable. I live 20 minutes south of Charlotte and I put a Trane system in an airbnb house last year. New ductwork, A/C, and gas furnace. It cost $7300. It's not a very DIY project to do because it involves electrical, gas lines (maybe), and other mechanical trades. Plus, local ...
by renue74
Wed Aug 22, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3340

Re: Composite Decking Material

I used the trex hidden fasteners about 5 years ago on my trex deck. Still tight, no complaints. The fasteners provide even spacing between deck boards and are stainless steel fasteners. These are what I used: https://www.lowes.com/pd/Trex-Universal-94-Count-Black-Clip-Deck-Hidden-Fasteners-50-Square...
by renue74
Tue Aug 21, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Maui in 2 days - August 23- cancel trip?
Replies: 12
Views: 1730

Re: Maui in 2 days - August 23- cancel trip?

According to the weather channel projections, 100 mph winds will be over maui on the 23rd. If that's the case, your airline will cancel your flight anyways.

I'm not sure you have travel insurance.
by renue74
Tue Aug 21, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: First Home Project - Flooring Estimates and Material
Replies: 2
Views: 303

Re: First Home Project - Flooring Estimates and Material

Installation pricing is contingent on your location. Get 3 quotes from flooring installers once you decide the material you would like to put down. Also, friends/coworkers may have installer references they can share with you. The wood look tile is nice, but keep in mind...is this a fad or something...
by renue74
Mon Aug 20, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3340

Re: Composite Decking Material

I have the older Trex material....maybe 10+ years ago. It was susceptible to mold and still darkens during the winter months. In the Spring, I'll use composite deck cleaner or my wife uses a bleach/water solution and sprays it down. It looks as good as new after that. I just installed the same old T...
by renue74
Mon Aug 20, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2815

Re: Retire and become an Adventure Guide

We have neighbors who there mid-20s son is a guide in Alaska. He works there during the "season," and then comes home (Charlotte, NC area) during the off season. He seems to love it and has been doing it for 5+ years. One thing to note, it's definitely not a desk job and there's not a lot of "off-ti...
by renue74
Mon Aug 20, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 3891

Re: Sheraton Kauai timeshare

About 13 years ago, my wife got a "Mary Kay" certificate to the Bahamas. I wasn't super excited about it, because I had been to the Bahamas (Freeport) during one of my college spring breaks and even then, it wasn't high on my list to go back to. I absolutely didn't realize it was a time share deal. ...
by renue74
Fri Aug 17, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 48
Views: 3506

Re: Quote from Electrician

I just had a 80 year old house rewired. (all studs showing....I had demo'ed all the plaster/lath) I take that back....I ran the all the home run wires, installed the switches, and receptacles, and light/ceiling boxes. I bought all the wire, boxes, etc. and ran everything back to the new breaker box....
by renue74
Fri Aug 17, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8142

Re: Retire in Florida or Alabama?

When I was 16, my dad retired from the Army (at 43 years old) and moved from Ft. Benning, GA to St. Augustine, FL. My folks were divorced and I would visit him and his 2nd wife in St. Augustine every summer through my college years. I worked for him in his lawn care business...cutting grass in the s...
by renue74
Fri Aug 17, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6189

Re: Terminating an employee with company car

That's an interesting issue. If I choose to bring personal belongings to my employer's place of business, does the employers not have the right to remove them and give them back to me if they wish? To me, it's the same as using the employer's email to send and receive personal messages - the employ...