Search found 942 matches

by renue74
Tue Jan 16, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4282

Re: Anyone pondering moving to a cheaper place and downsizing?

Yes! Actually. We don't have that much equity, but maybe $300K. I just bought a 1600 sq/ft bungalow last year and have been renovating it by myself for about a year now. We've made it too nice for the rental market and we've considered downsizing from 3000 sq/ft house to this smaller house. At some ...
by renue74
Mon Jan 15, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4634

Re: Nostalgic about old online brokerages that no longer exist

I started investing in 1997....straight out of college. I used E*Trade and this thread made me remember that. I just logged into my OLD E*Trade account and saw that I still have a very, very old rollover IRA with a whopping $61.40 in it. I'm going to close it out. So..there, bogleheads.org made me $...
by renue74
Mon Jan 15, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Apple Mac Mini/Pro Updates? Don't Want iMac
Replies: 14
Views: 1278

Re: Apple Mac Mini/Pro Updates? Don't Want iMac

I have a small web design firm. I only buy my people MBPs and have been happy with the MBP + desktop monitor for many years. I have a 2.6 MBP now that I bought in December 2012 and still love it. It's fast and hasn't let me down. In fact, I was considering buying the office new MBPs this year, but t...
by renue74
Sun Jan 14, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 105
Views: 6035

Re: Looking for a reasonably priced, safe international destination

Your kids are 6 and 3. The vacation is for you. I gather the 6 year old will barely remember it and the 3 year old won't. At that age, I always took my kids to a water/beach based vacation where their experiences are fun/low key affairs. Bermuda fits that need. We went there for a long weekend over ...
by renue74
Fri Jan 12, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Rick Steves - France (or some other tour company)
Replies: 15
Views: 1342

Re: Rick Steves - France (or some other tour company)

My wife and I took a RS tour (Italy) in 2015. We're in our mid-40s. I think we paid about $7K for 10 days. I haven't traveled much in Europe and the only reason we chose to go on a tour is because I wasn't familiar with the mechanics of it. After the tour, I whole heartily concur one should travel o...
by renue74
Wed Jan 10, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Maybe not a win for teachers/I need some advice
Replies: 46
Views: 2738

Re: Maybe not a win for teachers/I need some advice

I didn't read the other users posts, forgive me for that, but I will share my experience. My wife has been a teacher in SC for about 10 years. In 2015, I took control of our portfolio from our FA and part of the restructure was to look at her retirement options. In SC, teachers have a state pension ...
by renue74
Mon Jan 08, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 6896

Re: Lowball offer on a home

The owners likely don’t care what you plan to spend on it and will be offended by lowball, how it usually goes. +1. If it is a desirable neighborhood and the owner is a real estate agent they likely will get close to what they want. And the spring market starts in a month.... +1 If you lowball anyt...
by renue74
Mon Jan 08, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 168
Views: 16951

Re: Anyone disenchanted with retirement?

This post is not for me. I still have over 2 decades to retire. Only wanted to get something out. I am sick of the rat race! I want to get out of it as soon as possible! My job is not stressful, commuting is relatively short, my boss is nice, I work on spreadsheets and I love spreadsheets! But man,...
by renue74
Mon Jan 08, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?
Replies: 36
Views: 3281

Re: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?

Life changes. Little things you may not think about. People buy their "forever" home where the master is on the 2nd floor...10 years later they have knee problems...or 20 years later, their parents need their assistance and you have to move. It's nice to make plans, but housing plans like this are j...
by renue74
Mon Jan 08, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: ISO Wifi Video Camera
Replies: 4
Views: 183

Re: ISO Wifi Video Camera

I just installed some Reolink cameras. Great cameras, easy to install and manage. No monthly storage fees.
by renue74
Thu Jan 04, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 25
Views: 3360

Re: Why Edward Jones?

This blog post explains EJ the best I've ever read. I actually found it here on this forum: http://kronstantinople.blogspot.com/p/edward-jones-saga.html On a side note, recently in my Nextdoor neighborhood site, someone posted a request for a FA. It's amazing how many local one man, independent shop...
by renue74
Thu Jan 04, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire now?
Replies: 44
Views: 4609

Re: Can I retire now?

Do it. Why not? If I had $3M, I would. I live in a LCOL area, though. :)

I wouldn't call it retiring, or your friends will be mad. Call it a long sabbatical or you're "taking time to find a new challenge."
by renue74
Thu Jan 04, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire now?
Replies: 44
Views: 4609

Re: Can I retire now?

Do you have any possible life changes? I'm 43 with close to $2M portfolio....and have considered downsizing my work...not retiring but changing to less stress. The concern I have is my mother has nothing and basically lives on $1500/month SS. At some point, she'll have to live with us and I'm sure t...
by renue74
Thu Jan 04, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: 529 asset allocation
Replies: 14
Views: 637

Re: 529 asset allocation

I'm sure there is a backstory to this, but will the $10K withdrawals be for qualified college expenses? Most 529 plans allow you to set up for an age based withdrawal schedule. For example, my 12 year old will start using his 529 plan in 6 years...currently our 529 plan has been auto allocated based...
by renue74
Mon Jan 01, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Tell me about Under Tile floor heating
Replies: 7
Views: 735

Re: Tell me about Under Tile floor heating

Highly recommend Schluter Ditra. They have a product with integrated electric resistance heat. It's a dream to install, and has very low stack height compared to other options, so we ended up almost flush with the wood floor in the next room. +1 I'm getting ready to install Schluter Ditra Heat in a...
by renue74
Fri Dec 29, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: NC or SC beach area summer rentals for big group
Replies: 19
Views: 1011

Re: NC or SC beach area summer rentals for big group

I live in SC and have lived here for 30+ years. Just like most other coastal vacation spots, the house rentals fill up fast on the NC/SC coast. Tons of families here start their summer vacation rental searches now for the summer. We've vacationed in various areas and I'll outline below: Ocean Isle, ...
by renue74
Fri Dec 29, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Private personal loan - flat one time fee?
Replies: 15
Views: 1117

Re: Private personal loan - flat one time fee?

I have done some of these recently. I have a business acquaintance that I will often give a 10 day loan to. The issue I had was it was unsecured and on the last note, my person couldn't repay. It was a mess and I ended up persuading her to pay over X years and to secure it as a 2nd mortgage on her h...
by renue74
Tue Dec 26, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing out of taxable, how?
Replies: 7
Views: 415

Re: Rebalancing out of taxable, how?

1. Do not automatically reinvest distributions back into the things that you should want to reduce investment in. It's too late to change this for tax year 2017. 2. If you have sold no shares since buying, then change your Cost Basis Method to Specific Identification right now. If you are unwilling...
by renue74
Sun Dec 24, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard have a way to track outside investments?
Replies: 9
Views: 1387

Re: Does Vanguard have a way to track outside investments?

Yes...through Yodlee. In my balance accounts, I have added some outside accounts. "Your outside investment information is no longer available on vanguard.com. We've partnered with Yodlee to provide a service that allows you to see up-to-date information for your non-Vanguard investment accounts on v...
by renue74
Sun Dec 24, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11783

Re: European Cities that don't interest you

Naples

Had a bad experience there outside the train station. Got pick pocketed.

There are plenty of other beautiful places in Italy that do interest me.
by renue74
Wed Dec 20, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Window Selection and Shopping
Replies: 18
Views: 1281

Re: Window Selection and Shopping

I'm renovating a 80 year old craftsman bungalow rental. I took it down to the studs inside and out. It gave me an opportunity to add new windows and I actually found a guy on craigslist selling returned Anderson windows. It was a mix of Anderson 400 Woodwright and Anderson 100 windows. Part of the i...
by renue74
Wed Dec 20, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Landlord Quote and update
Replies: 6
Views: 761

Re: Accidental Landlord Quote and update

Congrats. Breaking away for landlording when you didn't want to be is as good as walking out of a job the last day. I actually bought 3 properties about 3 years ago and wanted to landlord....but 2017 has been crazy for real estate....even my slumlord properties and we were able to sell all 3 for 2x ...
by renue74
Wed Dec 20, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 10830

Re: Any Instant Pot users here?

We bought an Instapot a few summers ago before they got sexy. We never really got into using it other than to boil peanuts and to make the occasional risotto. (I love risotto) Actually, I ended up forgetting about it until this thread and brought it out last night to make shredded chicken tacos. Wor...
by renue74
Wed Dec 20, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Any last minute shopping ideas for a spouse?
Replies: 22
Views: 2193

Re: Any last minute shopping ideas for a spouse?

• Couples cooking lessons (Date night) at the local Sur La Table or some other fancy cooking place.

• Noise canceling headphones (for travel)

• Pottery lessons at the local art center
by renue74
Mon Dec 18, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: GDAX Fee Question
Replies: 6
Views: 554

Re: GDAX Fee Question

I have a massive amount of bitcoin in my Gdax account.....$3.09.

And I would be interested in hearing anybody's response about the fees as well. (I don't have an answer.)
by renue74
Mon Dec 18, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Investing in a startup business?
Replies: 14
Views: 813

Re: Investing in a startup business?

Are you prepared to lose all of your $50K? You're just a number and startups are notorious for their capital burn rates. It's a complete gamble and the valuation sounds like a back of the napkin calculation.
by renue74
Fri Dec 15, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I open a fitness center for extra money?
Replies: 37
Views: 2866

Re: Should I open a fitness center for extra money?

I've worked for YMCA clients since 2005. We make custom software and websites for this industry. The costs you indicate are low and as others had said, the culture of the gym is based upon the owner/manager. Why go to your gym when Planet Fitness is charging $10/month and giving their customers pizz...
by renue74
Wed Dec 13, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Rental properties, legal structure
Replies: 4
Views: 453

Re: Rental properties, legal structure

RE: Management fee. In my state, a property manager is a state licensed career....just like a general contractor. Your state may very. Also, I found that my local banks won't loan to LLCs AND if you buy a property in your name (with a mortgage) and try to change deed into your LLC, the mortgage hold...
by renue74
Wed Dec 13, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: I'm sure you've seen this.
Replies: 4
Views: 936

Re: I'm sure you've seen this.

I've dabbled for over a year...with only a few hundred dollars invested. Made 3x or 4x more than initial investment. I really never paid it any attention other than buying bitcoin in my coinbase account and was actually going to use it for amazon purchases, but forgot about it. My kids have asked ab...
by renue74
Wed Dec 13, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Anyone own property used solely for Airbnb?
Replies: 9
Views: 1093

Re: Anyone own property used solely for Airbnb?

I have a house that I have been rehabbing for the last 10 months. It's a 3bed/2bath 2 blocks from a small college in town. I had considered converting it to an AirBNB property because there are a ton of weekend sports teams who come to our town for softball and soccer. (Kids and parents)...and the h...
by renue74
Tue Dec 12, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Purchasing Airline Tickets
Replies: 31
Views: 2572

Re: Purchasing Airline Tickets

Sometimes I will piggyback a rewards flight to get to a gateway city to fly to my destination. For example, last spring break, there was a great deal $360 RT flights from NYC to Honolulu. Not very common around spring break weeks. So I took my two sons for the week. We are near Charlotte.....and I u...
by renue74
Sun Dec 10, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4701

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

A few years ago, I started buying rental properties. Not many...3 or 4. But, I found that after the first couple, banks told me my debt to income ratio was too high and they couldn't lend. I'm a small business owner and my income fluctuates dramatically from year to year. My net worth is close to $2...
by renue74
Fri Dec 08, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 10950

Re: Retire in my early 40s? Crazy or actually doable?

My question to you is "why" do you want to retire?

What will you do on Monday's at 10am?
by renue74
Thu Dec 07, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4478

Re: When Bitcoin blows-up

BTW, my 15 year kid texted me this morning and said, "he dad can I buy some bitcoin?" So...there's that. You know it's bad with the teenagers are speculating. If your 15yr old has income (mowing lawns or whatever) would you let them invest in btc or individual stocks or other risky ventures? My kid...
by renue74
Thu Dec 07, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4478

Re: When Bitcoin blows-up

Nobody I know owns bitcoin. I bought some over the last 2 years. (less than $500) and sold it over the last 6 months. I don't think there will be tons of collateral damage from a potential bitcoin fall. I'm assuming it's coming...but when is another matter. BTW, my 15 year kid texted me this morning...
by renue74
Wed Dec 06, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Anyone mirror AA acorss multiple accounts ?
Replies: 23
Views: 1642

Re: Anyone mirror AA acorss multiple accounts ?

I'm not sure mirroring is the best solution. My wife and I have 10 accounts and I keep a detailed Google sheet of the portfolio separated by account, but in my sheet, I identify stock/bond funds, and international. Part of the sheet then displays our % asset allocation based on those 3 identifiers. ...
by renue74
Mon Dec 04, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2910

Re: Europe Suggestions

It depends on what your family likes. Museums, history, churches, art, sports, hiking, foodies? Maybe get some feedback from your family to see what their expectations are. One of the most common things folks do when visiting Europe is packing too much into a trip. Doing too many things. The Rick St...
by renue74
Mon Dec 04, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

Craig's List. Have sold two cars on Carigslist - both with fully disclosed engine problems. Very surprised (pleasantly) that there is a market for cars with bad engines. +1 I sold a crappy VW Passat station wagon on CL a few years ago. Every time I would go to the VW dealership to get something fix...
by renue74
Thu Nov 30, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Negotiating used car - Toyota Highlander
Replies: 32
Views: 2108

Re: Negotiating used car - Toyota Highlander

If your Quest hasn't blown up on the side of the road, what's the rush? Take your time and keep shopping till you find a better Highlander at a price you think is fair. with 2018 hitting lots, there should be bunch of nice trades coming in. :) The Quest has blown up...almost. Last week, we had $100...
by renue74
Wed Nov 29, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Negotiating used car - Toyota Highlander
Replies: 32
Views: 2108

Re: Negotiating used car - Toyota Highlander

livesoft wrote:
Wed Nov 29, 2017 4:53 pm
You can get a used Lexus RX-350 for that price.

You are missing that things don't work out the way internet folks so they will.
:thumbsup But I thought the internet was full of only truth.
by renue74
Wed Nov 29, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Negotiating used car - Toyota Highlander
Replies: 32
Views: 2108

Re: Negotiating used car - Toyota Highlander

mega317 wrote:
Wed Nov 29, 2017 4:58 pm
What did the other 2 dealers say?
Other 2 haven't come back yet.
by renue74
Wed Nov 29, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Negotiating used car - Toyota Highlander
Replies: 32
Views: 2108

Negotiating used car - Toyota Highlander

I rarely, rarely buy cars. We tend to drive them until they fall apart. Both my wife and I own 2005 models. Anyways, her Nissan Quest is falling apart and we've looking at a midsize SUV, the Toyota Highlander. I've done some due diligence and have emailed 3 dealerships.....like I read here on Bogleh...
by renue74
Wed Nov 29, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 16687

Re: A good friend has nearly $1M in BitCoin what do I tell him?

Great! I'm in the same boat!!!! I put $20 into my Coinbase wallet in October. I'm up to $44....down to $30....up to $35.
by renue74
Wed Nov 29, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5388

Re: Edward Jones trap

They didn't ask for your input. I have friends with EJ. If we ever bring it up during dinners, I always say EJ is a bad FA and that they pile on hidden fees that clients have difficulty finding. It never sways them. I'm just making small talk and know they won't ever move. It's like Hawaii Life on H...
by renue74
Tue Nov 28, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 96
Views: 7930

Re: Divs and Cap Gains are killing me

Your taxes are rarely 100% of the dividends that you get. You seem to be a sophisticated investor. So you either pay taxes or sell the offending shares or donate lots to charity. What did I miss? 1+ I seem to remember complaining about paying taxes on $55K of dividends/cap gains about 2 years ago a...
by renue74
Mon Nov 27, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 4581

Re: best cordless drill??

I like the Milwaukee, has a good balance in the hand, but is a bit more pricey than the competitors in the large box stores. 1+ I rehab homes for a "hobby," and use Milwaukee tools. Cordless saws, drills, etc. I treat them like crap. Drop them, over torque them, get chemicals on them, but they alwa...
by renue74
Mon Nov 27, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1991

Re: I have Microsoft Office 2007. Should I upgrade?

My small office would upgrade MSFT for Mac every time a new version would come out. In the past 3-4 years, I have more millennials in the office and they wouldn't touch a MSFT product. They use Google docs or Open Office (Open Source). I've switched a lot of my docs to Google docs. It takes some get...
by renue74
Tue Nov 21, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1602

Re: Anyone "re-door" their kitchen cabinets?

3/4" MDF 4x8 sheets cost $40/sheet and 1/2" MDF 4x8 sheets cost $30/sheet at Home Depot. I'm going to re-door some cabinets (white shaker) I bought from craigslist to put into a rehab I'm working on. There are a ton of Youtube videos and I have the saws/router table, etc. to do the work. It sounds l...
by renue74
Tue Nov 21, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Dropping Term Life Insurance When Hitting Your Number
Replies: 30
Views: 3514

Re: Dropping Term Life Insurance When Hitting Your Number

For me term life is not about hitting my number, but more about keeping my wife and two kids (15 & 12) safe upon my demise. Once the children are out of the house and the house is paid for, I was assume my term life policy would be useless for us. It's basically for income replacement, but expenses ...
by renue74
Mon Nov 20, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 50
Views: 3251

Re: Want to build dream workshop/garage, but don't know how to start

All great suggestions so far. I'll suggest something you may not think about...start a Pinterest board.

Every little detail you find, you can Pin it and revisit it during design. You'll find that you don't like things you thought you did months ago. But your board is a great visual.