Search found 1036 matches

by renue74
Wed May 23, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 41
Views: 4218

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: 2635

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: 41
Views: 4218

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: 46
Views: 3360

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: 1283

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: 1093

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: 2640

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: 1465

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: 748

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...
by renue74
Thu May 10, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Pay contractor, even though he damaged home?
Replies: 11
Views: 2000

Re: Pay contractor, even though he damaged home?

It's $450. 99% of the time, a contractor will walk away from that if they don't get paid. Sure, they "may" be able to file a mechanics lien. It depends on the state, etc. Some states require both parties to sign contracts for the service...some don't. Some states say contractors only have a 90 day w...
by renue74
Thu May 10, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!
Replies: 28
Views: 1916

Re: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!

Guys...guys....I love the idea of teenagers, but the seem to never be around when real work has to be done.

Soooo...you can actually by a cargo carrier with a ramp....roll the barrel right up.

https://www.walmart.com/search/?query=c ... p&cat_id=0

Thx
by renue74
Wed May 09, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6949

Re: Gold ball cracked my house window. Do I have any recourse?

You live on a golf course. Your recourse is to pay the $180 to get the window pane fixed and call it a day. (I call it $180, because that's how much I just spent on a rental property where a kid with a BB gun shot out a window pane...I paid the glass company. :) ) Maybe if you don't like golf balls ...
by renue74
Tue May 08, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: South Carolina 529
Replies: 1
Views: 112

Re: South Carolina 529

I opened my kid's SC 529 plans way back in 2002 and 2005. (Actually opened them about 3 months before my kids were born!) This was right after they ended the SC Tuition Prepayment Plan (I wish I had gotten in on that gravy train!) The plan is well run and I think we've averaged about 6% or so over t...
by renue74
Tue May 08, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Will/Trust question for kids
Replies: 23
Views: 1897

Re: Will/Trust question for kids

We're 44 & 48. When we drafted our will 10+ years ago, we chose guardian and trustees separately. We have 2 boys (15 and 13 now). Trustee = my ex step mother who is a CPA. Good with numbers and her investing style mirrors ours. Very expense aware, indexer, etc. We've discussed this forum before. Liv...
by renue74
Fri May 04, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Choice
Replies: 2
Views: 432

Bond Fund Choice

Our AA is 65/35 stock/bond and we are 44 and 48. About 4 years ago is when we really started using bond funds when a FA put a windfall portfolio together for us and added Vanguard Short-Term Investment-Grade Fund as about 40% of our bond allocation. The rest of our bond allocation is in the Total Bo...
by renue74
Fri May 04, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as Investment
Replies: 12
Views: 663

Re: Rental Property as Investment

I've partnered with a friend on 2 rental houses 4 years ago. He was handy and I am too...so we both fixed things as needed. About 2 years ago, his wife decided she would quit/retire. He was already retired. They moved to Naples, FL, but we still had the 2 rentals here. He was more than fair and offe...
by renue74
Fri May 04, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 4728

Re: Buying a Boat

My dad has owned boats for nearly 30 years. He goes through one every 5 years or so and gets antsy and sells/buys a different one. He's lived in St. Augustine, Fl, Myrtle Beach, SC and now just moved to Anderson, SC. He always has a boat. I'm told a Boston Whaler is great. The one thing he always sa...
by renue74
Thu May 03, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: How and when to save for real estate
Replies: 12
Views: 1365

Re: How and when to save for real estate

My wife and I are 35yo.... One aspect of owning rental property that people often overlook how it will work when you are older. Having a paid off rental property when you are retired to provide a stream of income sounds tempting but trying to manage a rental property when you are in your 70's or 80...
by renue74
Thu May 03, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2252

Re: Budget for kid's sport?

Our town is a mecca for weekend soccer, aquatics, and softball tournaments. Kids and parents come from all around the state for these "travel sports." It amazes me when I drive by the local natatorium at 9pm on Sunday nights and kids are still competing in a swim meet! (so late on a Sunday) Anyways....
by renue74
Wed May 02, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: How and when to save for real estate
Replies: 12
Views: 1365

Re: How and when to save for real estate

I see typical 1st time REI folks trying to do "no money down" seller financed deals. I have a few rental houses and last year I sold 3 of them because the market is so hot. I simply put them on craigslist and sold them within days. I got tons of text messages about seller financing...which I didn't ...
by renue74
Tue May 01, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 1846

Re: Asheville, NC Visit

I live about 2 hours from Asheville. If you're a "granola" type, Asheville is your mother ship. There are tons of things to do. The city has evolved into a brewery & food mecca. (More brewery than food) There are tours you can go on. The Sierra Nevada brewery is absolutely HUGE and super nice. Even ...
by renue74
Tue May 01, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Career change and going back to school at 40+
Replies: 37
Views: 3296

Re: Career change and going back to school at 40+

I'm 43....will be 44 on May 7. I've thought of a similar change. Been a small business owner for 20 years. But slowly tired of clients, employees, etc. #1: you're going through that "mid life" crisis...the "I don't think I want to do this for much longer, I'm tired of it." mentality. You have many p...
by renue74
Thu Apr 26, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: How do I un-follow stock market?
Replies: 31
Views: 1721

Re: How do I un-follow stock marke?

The newness should wear off. Find a hobby. Go outside. Find a girlfriend or two on Tinder.
by renue74
Wed Apr 25, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10195

Re: Wedding - financial burden on couple and attendees

We eloped to Hawaii in 1999. Dropped the "wedding announcements" at the Post Office the day we left and everybody got their announcement the day we got married. You can certainly suggest the couple have a wedding closer to home, especially if they really, really wanted family with them on their big ...
by renue74
Wed Apr 25, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg article on lump sum vs dollar cost averaging
Replies: 79
Views: 5980

Re: Bloomberg article on lump sum vs dollar cost averaging

After finding this site in early 2015, I moved from our FA and transferred inkind to my Vanguard account. Then, I changed our 7 figure portfolio to a more Boglehead version. Scary to move around that much money, on my own, when we truly don't make a ton of $. Even back in 2015, folks were talking ab...
by renue74
Wed Apr 25, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: funds choose advise in the taxable account
Replies: 4
Views: 271

Re: funds choose advise in the taxable account

Wayyyy back in 2015, I found this website and this is one of the first wiki articles somebody suggested I read. Tax efficient placement of funds: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement The general take is: • Total Stock Fund does fine in Taxable account • Foreign Stock funds do...
by renue74
Tue Apr 24, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Income investing in Taxable
Replies: 17
Views: 1091

Re: Income investing in Taxable

My aunt asked me to help her with your 401K rollover and setting up a taxable account for a life insurance $ she received. About $175K in total. I set her up a Vanguard account with the Life strategy 2015 fund. She retired last year or so. I set it up to disburse $300/month and Vanguard automaticall...
by renue74
Tue Apr 24, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 35
Views: 4146

Re: In-laws financial advisor rip off

Any time I've suggested financial changes to friends or family, it's fallen on deaf ears. I've stopped trying.
by renue74
Mon Apr 23, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 2947

Re: Your own General Contractor

As a slightly tangential question, if I am fixing up my house that needs quite a number of small-to-moderate repairs/upgrades (floors, painting, plater-patches, door straitening, a few new windows, air leaks, patches in various places, some plumbing work like faucets and maybe a new vanity), how wo...
by renue74
Mon Apr 23, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 2947

Re: Your own General Contractor

I'll play the other side of the fence. Sure...do it, if you want to find all the details of residential homebuilding. The building code is public, you can find subs and you can research just like anybody else. I just did a huge remodel of a 85 year old house. Took it down to the studs, took the exte...
by renue74
Fri Apr 20, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Rinnai vs Rheem vs other tankless water heaters
Replies: 2
Views: 462

Re: Rinnai vs Rheem vs other tankless water heaters

I'm considering a tankless for a rental house property I own. I'm 99% we will do it. My neighbor works at the local natural gas company and they only sell Rinnai. He had one and a few other neighbors. Everybody loves it. He said the only issue he ever had out of it is during a prolonged freeze, it s...
by renue74
Thu Apr 19, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 27
Views: 2611

Re: Master Bath remodel price?

This would be a common quote range for a master remodel. You can save money by waiting until it's off season for building work/winter and working it in stages directly with laborers. Relative received a quote for low 30s for a similar job to yours, got them down to high 20s, then decided to wait an...
by renue74
Mon Apr 16, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Rentals and Security Deposits
Replies: 21
Views: 1265

Re: Rentals and Security Deposits

There's a college rental company who bought up a ton of housing around a small 6,000 student college in my town. The rent by the room and have the parents guarantee the lease. Each tenant gets one bedroom in the lease and I think the company paid for the utilities up to X amount. In my rentals, I a...
by renue74
Mon Apr 16, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Rentals and Security Deposits
Replies: 21
Views: 1265

Re: Rentals and Security Deposits

There's a college rental company who bought up a ton of housing around a small 6,000 student college in my town. The rent by the room and have the parents guarantee the lease. Each tenant gets one bedroom in the lease and I think the company paid for the utilities up to X amount. In my rentals, I al...
by renue74
Mon Apr 16, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 16754

Re: Can I retire at age 40?

Mid-life crisis. I'm there too.

Find another position or scale back.

Thank goodness your wife works for the school system? She should have a group health policy? My wife is a teacher and we do.
by renue74
Wed Apr 11, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Should I prewire my home network myself?
Replies: 40
Views: 2384

Re: Should I prewire my home network myself?

I just did this for a 1935 bungalow. Coax and cat6 drops in each bedroom and 2 in the living room, plus 2 drops for wired security cameras on front and back doors. I ran everything back to a small Leviton structured wiring cabinet. Took about 1/2 day by myself to do all the drops and organize the ca...
by renue74
Wed Apr 11, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1616

Re: Mini Air Compressor

There's a small, red Porter Cable job site pancake compressor that seems to be the "go to" for most DIY and sub contractors. I bought one about 10 years ago and use it quiet often. It's $99 at HD. Never failed me except one time where the compressor plug where you drain the air finally ended up rust...
by renue74
Tue Apr 10, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property...Tips/Learning for Newbie
Replies: 16
Views: 1166

Re: Rental Property...Tips/Learning for Newbie

Watch out for biggerpockets. Some of the folks on that forum are into alternative financing that could be pretty risky. I bought rental properties about 4 years ago and have made decent money from them. I recently sold 3 of them because the market is so hot. I used a testing worksheet that makes my ...
by renue74
Tue Apr 10, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 14822

Re: Parents have zero savings. What can I do?

Somehow this thread has jumped the rails. Where are the moderators on this!??!? Anyways, my insight: #1: You asked how can you get them to open up about finances. If they aren't telling you now, you can't change them. They are secretive for a reason...whether being ashamed or what. #2: "Mitigating" ...
by renue74
Mon Apr 09, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Cruise or other vaca ideas for Dad w/13yr old twin boys?
Replies: 36
Views: 2423

Re: Cruise or other vaca ideas for Dad w/13yr old twin boys?

I have 2 sons (13 and 15). Here are the things we've done before: Kid enjoyment level (1-10) • Visit Orlando and do the water parks. Disney has a 2 and they are great. We also hit EPCOT during the same visit. Kid enjoyment level: 9 • Fly to Sanibel Island (Near Sarasota) and spend a week. Shell coll...
by renue74
Fri Apr 06, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on house...Signed before educating myself :(
Replies: 8
Views: 1475

Re: Closing on house...Signed before educationing myself :(

In your offer to purchase, did you do a typical 10 day inspection period? Did you get an inspection at all? How much earnest money did you pay? Do you have a buyers agent? if so, did they suggest you do this? Is the offer considering the CO issue in writing? You need to add more information to your ...
by renue74
Fri Apr 06, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: How to re-wire an antique lamp
Replies: 15
Views: 937

Re: How to re-wire an antique lamp

Amazon and Youtube are your friends. You can pick up a rewiring kit for about $15 on Amazon: https://www.amazon.com/dp/B00RQVUK9C/ref=asc_df_B00RQVUK9C5429997/?tag=hyprod-20&creative=395033&creativeASIN=B00RQVUK9C&linkCode=df0&hvadid=216516247812&hvpos=1o3&hvnetw=g&hvrand=5462800501065004938&hvpone=...
by renue74
Wed Apr 04, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: LLC for rental property?
Replies: 20
Views: 1577

Re: LLC for rental property?

Even LLC members can take monthly draws. It all passes through to your personal income taxes anyways. I have several residential rental properties and attempted to set up an LLC in the beginning, but I would do cash out refi's and no bank would loan the LLC money. So, I gave up and hold all property...
by renue74
Wed Apr 04, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6692

Re: Want/need some income in semi-retirement

Home grocery delivery companies look for shoppers in my area.

Instacart and Shipt are the two I see looking.

Pay $25/hour.

If you like to grocery shop, it may be a good, part time gig.
by renue74
Wed Apr 04, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 10801

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

From the outside looking in, we think..."oh goodness, how can they make due. How can they live like that?" But we all make our own lifestyles and to them, the lifestyles they made are their normal. It's not, "we're missing out on so much to save for retirement." In our own ways, we all have this. Fo...
by renue74
Wed Apr 04, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 7338

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

We are 65/35 stock/bond AA. With a 5% band before rebalancing. Even with the extreme changes lately, we haven't hit our rebalance number yet. If we do, we'll do what others indicate....sell bond funds, buy stock funds, etc. Any new money that we put in, continues to go into our preselected funds (to...
by renue74
Tue Apr 03, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 2963

Re: Health club memberships

That BCBS was a very good deal. I have many, many YMCA clients and they average $50-$70 per month for a single adult membership (visiting different locations). If I were you, maybe search out a club that is near your work or home and get pricing. There are multi-access memberships such as ClassPass...
by renue74
Tue Apr 03, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 2963

Re: Health club memberships

That BCBS was a very good deal. I have many, many YMCA clients and they average $50-$70 per month for a single adult membership (visiting different locations). If I were you, maybe search out a club that is near your work or home and get pricing. There are multi-access memberships such as ClassPass,...
by renue74
Tue Apr 03, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 103
Views: 125881

Re: Experience selling car to Carmax?

Just bought a car from CarMax in Nov. 2017. Wife had a 2005 Nissan Quest. 145K miles. I had just put about $1500 of work into it. Timing chain, new radiator. CarMax offered $1000 for it. I sold it for $2900 on craigslist. I showed it to one person at a common meeting point about 5 miles from my hous...
by renue74
Thu Mar 29, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Venice Suggestions
Replies: 14
Views: 975

Re: Venice Suggestions

Wife and I were there a couple summers ago. We did all the touristy things you mention. Some other ideas: • Cicchetti Tour - Venice is known for their small appetizer/bite size cicchetti. A tour will take you around to various bars and let you sample the best. • Torcello - island near Burano that no...