Search found 1051 matches

by renue74
Mon Jun 18, 2018 2:15 am
Forum: Personal Consumer Issues
Topic: “Day to kill” in Venice Italy
Replies: 50
Views: 2974

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: 1429

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: 1439

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: 2546

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: 6975

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: 587

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: 587

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: 50
Views: 2974

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: 4812

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: 1292

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: 599

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: 1944

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: 332

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: 2525

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: 43
Views: 2882

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: 5691

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: 2946

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: 5691

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: 5025

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: 1470

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: 1151

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: 2728

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: 1538

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: 799

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: 2067

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: 30
Views: 2374

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: 7187

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: 121

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: 2003

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: 446

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: 704

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: 4879

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: 1400

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: 2337

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: 1400

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: 1917

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: 3392

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: 1780

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: 10570

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: 6165

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: 285

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: 1167

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: 4240

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: 3038

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: 3038

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: 572

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: 2674

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: 1334

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: 1334

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: 17162

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.