Search found 1921 matches

by WhyNotUs
Sat Apr 10, 2021 5:15 pm
Forum: Personal Consumer Issues
Topic: What EV to buy for 20k-25k?
Replies: 62
Views: 4962

Re: What EV to buy for 20k-25k?

Leaf Plus is $129 a month in Denver at Tynan's. A new Leaf SV can be had for a CO resident for about $15k after rebates/tax credits.
by WhyNotUs
Sat Apr 10, 2021 8:14 am
Forum: Personal Consumer Issues
Topic: What EV to buy for 20k-25k?
Replies: 62
Views: 4962

Re: What EV to buy for 20k-25k?

• Check with area Nissan dealers for a lease deal on a Plus. Offer to be on a list in case they need a quick deal as part of a promotion that benefits the dealer. I got a 2020 Leaf SV (not a plus) last December for $85 a month with only taxes as downpayment. They kept all rebates, tax benefits. I h...
by WhyNotUs
Sat Apr 10, 2021 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Remodel during housing hysteria?
Replies: 54
Views: 3405

Re: Remodel during housing hysteria?

One other thing I will point out about the $411,000 estimate, I have so focused on the final cost but this does contain $37,500 in "contingency" to cover rising prices if needed. Also, it contains the cost for the contractor and sub-contractors to do all the demo. If we do demo, which we ...
by WhyNotUs
Fri Apr 09, 2021 1:56 pm
Forum: Personal Consumer Issues
Topic: What EV to buy for 20k-25k?
Replies: 62
Views: 4962

Re: What EV to buy for 20k-25k?

A few thoughts: • A used 2017-2019 Bolt might be a good price deal due to the recall. Once they determine the issue and provide a fix, it should be a good car and with good range. There is a new 2020 Bolt on Autotrader for $25k • You could find a 2019-2020 Leaf Plus used in your price range on Autot...
by WhyNotUs
Tue Apr 06, 2021 8:44 am
Forum: Personal Investments
Topic: 2021 Check Up. 31 Years Old. NW $5M.
Replies: 48
Views: 5770

Re: 2021 Check Up. 31 Years Old. NW $5M.

Congrats. You have obviously been very successful. Long term investment planning is in service to life goals, seems like a good time to revisit your goals and then align your future investing with those goals. Your choices and actions to date have put you in a very exclusive club and give you the op...
by WhyNotUs
Tue Apr 06, 2021 8:37 am
Forum: Personal Consumer Issues
Topic: Recommendations for Hearing Aid
Replies: 7
Views: 562

Re: Recommendations for Hearing Aid

1) Does he need to go thru a doctor first? A bit of a trick question as their are opportunities to buy them without a doctor, hearing devices that are like buying reader glasses at the drug store, audiologists, technicians, and doctors. If money is not driving the issue, an proper exam by an audiol...
by WhyNotUs
Sun Apr 04, 2021 9:25 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 242
Views: 22292

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

We have a 2020 LTV Wonder RTB and one of the upgrades I am strongly considering is the addition of Borg Tire Valve Stem Extenders as well as addition of a tire pressure monitoring device to monitor air pressure for the tires. If you search RV forums such as the LTV Facebook group you will see that ...
by WhyNotUs
Sat Apr 03, 2021 7:29 am
Forum: Personal Consumer Issues
Topic: Outdoor living space/patio recommendations?
Replies: 22
Views: 2741

Re: Outdoor living space/patio recommendations?

-Patio vs Decking (Trex?): wife is leaning towards patio but still undecided...or even a combination I like the look of patio pavers if you do not need to be off of the ground. It if needs to be above ground trex over pressure treated works well. Pavestone has some nice looking options. In part it ...
by WhyNotUs
Tue Mar 30, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: Wife needs hearing aids, cost concerns
Replies: 51
Views: 4017

Re: Wife needs hearing aids, cost concerns

I know it's individual, but do you think high quality hearing aids are worth paying for if they will only be used 1-2x/week for several hours at most? (cost is not a concern as much as getting something I don't use) thanks again aloha jim :D Might be worth doing a little digging into the ties betwe...
by WhyNotUs
Tue Mar 30, 2021 9:43 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Resources for Patient/Curious Bogleheads
Replies: 270
Views: 12889

Re: Bitcoin Resources for Patient/Curious Bogleheads

One data point Using survey data collected from 750 investors between Feb. 5 and Feb. 12 — a stretch during which the price of one bitcoin climbed from $37,000 to $47,000 — Cardify finds that only 16.9% of investors who have bought crypto “fully understand” the value and potential of cryptocurrency,...
by WhyNotUs
Mon Mar 29, 2021 11:57 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel
Replies: 45
Views: 2829

Re: Bathroom Remodel

If you don't want to add the bars now, have the contractor put the backing for them later in the proper spots and document the locations. Do blocking now on three sides and draw locations with dimensions for future reference. Replace the valve for shower and drain while it is opened up no matter wh...
by WhyNotUs
Mon Mar 29, 2021 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house? - moving from NYC to S. Florida
Replies: 7
Views: 828

Re: Can we afford this house? - moving from NYC to S. Florida

As the kids get older, schools become a really big deal and nexus of your community. Is there someplace closer to your new job that has great schools?
by WhyNotUs
Mon Mar 29, 2021 10:01 am
Forum: Personal Consumer Issues
Topic: Curious about negative expat experiences -- why don't more people do it?
Replies: 111
Views: 10587

Re: Curious about negative expat experiences -- why don't more people do it?

People with kids often shy from such assignments for reasons ranging from illnesses/medical care, to language issues, to family members with health issues, children past a certain age resist leaving their friends, spouse career impacts, tax complications, what to do with home and cars and pets and g...
by WhyNotUs
Sun Mar 28, 2021 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle Insurance for Ebike?
Replies: 14
Views: 1131

Re: Bicycle Insurance for Ebike?

Shackleton wrote: Sun Mar 28, 2021 2:08 pm We own approximately $75,000 in bikes, including one that was $8,500 (discounted from $10k!) When I asked our insurance company if we needed a rider for them, we were told they are all covered.
Making me feel better about myself, thanks
by WhyNotUs
Sun Mar 28, 2021 8:31 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Resources for Patient/Curious Bogleheads
Replies: 270
Views: 12889

Re: Bitcoin Resources for Patient/Curious Bogleheads

But I still am curious why your open minded tech friends who were pursuing the idea of separating money from governments have moved on from btc? I am speculating as I have not asked because it would start another crypto monologue :-) When you are seeing seven figures in your crypto account and can ...
by WhyNotUs
Sun Mar 28, 2021 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 410
Views: 48325

Re: Tales from this insane real estate market

Bogleheads, Fortunately for us we are happy to stay put in our townhouse, and this whole experience taught us how fortunate we are to live in a modest townhouse, have a generous dual income, and high savings rate by living far beneath our means. I know we won't live in this townhouse forever, but w...
by WhyNotUs
Sat Mar 27, 2021 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle Insurance for Ebike?
Replies: 14
Views: 1131

Re: Bicycle Insurance for Ebike?

Much of the value and the attraction for a thief would be the battery. Practice good battery security and your bike will not be attractive.
Worth checking your renter policy too.
by WhyNotUs
Sat Mar 27, 2021 9:31 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Resources for Patient/Curious Bogleheads
Replies: 270
Views: 12889

Re: Bitcoin Resources for Patient/Curious Bogleheads

I do not know why you feel the new currency created in accord with an international agreement has an obvious advantage over bitcoin. Bitcoin has a head start in branding and market cap. It is open source and decentralized. Why would something more obscure created and controlled by an international ...
by WhyNotUs
Sat Mar 27, 2021 9:49 am
Forum: Personal Consumer Issues
Topic: Unloading Massive Collection of Classical Music
Replies: 42
Views: 3963

Re: Unloading Massive Collection of Classical Music

I gave my jazz collection to a local community radio station. I am sure that I could have sold it but I wanted people to hear that music. How long ago? The local classical music station did not want mine when I tried to donate in January 2020: Good point, that was almost two decades ago. That being...
by WhyNotUs
Sat Mar 27, 2021 9:47 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Resources for Patient/Curious Bogleheads
Replies: 270
Views: 12889

Re: Bitcoin Resources for Patient/Curious Bogleheads

The world is becoming more online, culture is more effected by memes. The future in all likelihood will have more people spending more and more time and money online. Doesn't a non-nation based means of transferring value fill a need? If nothing else BTC is an interesting topic for currency discuss...
by WhyNotUs
Tue Mar 23, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 231
Views: 16270

Re: Non-fungible tokens (NFTs): anyone investing in those?

If you feel like the NFT must have a specific utility to be valuable, then it is unlikely you will ever see any value in them (with maybe the exception of in-game NFTs). Probably the only true utility of an expensive NFT is showing off to other people, and again maybe a sort of community effect. Th...
by WhyNotUs
Tue Mar 23, 2021 2:17 pm
Forum: Personal Consumer Issues
Topic: What Outlets in preparation for electric cars?
Replies: 100
Views: 6699

Re: What Outlets in preparation for electric cars?

I used to have a 30A line for my Leaf with a really cool retrofit of my original charge cable. When we bought the new Leaf with larger battery I got a Chargepoint Home Flex for free from my utility (install my cost) In the next couple of years the utility plans to make it so that my car can serve as...
by WhyNotUs
Tue Mar 23, 2021 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Rental Duplex Property (Sell or Not Sell)
Replies: 9
Views: 790

Re: Rental Duplex Property (Sell or Not Sell)

If I bought the duplex primarily to house my MIL and that is no longer a need, then I would sell it. If I bought it as a real estate investment and don't mind landlording, then I would keep it due to its performance and age. If for some reason the only alternative was to keep the funds in a saving a...
by WhyNotUs
Tue Mar 23, 2021 8:48 am
Forum: Personal Investments
Topic: Huge Windfall + Vanguard PAS, Here's What They Allocated For Me
Replies: 68
Views: 7678

Re: Huge Windfall + Vanguard PAS, Here's What They Allocated For Me

Since investment strategies start with goals (and risk tolerance) and we do not know yours, other than retirement in 20 years, it is hard to say much other than it seems to look fine. You have quite a bit of money in taxable and it sounds like more to come. Once you get an asset allocation that you ...
by WhyNotUs
Mon Mar 22, 2021 2:34 pm
Forum: Personal Consumer Issues
Topic: Using OBD2 scanner to evaluate used car buying
Replies: 102
Views: 4750

Re: Using OBD2 scanner to evaluate used car buying

I have an OBD and Fusion and a Sienna. I used the scanner on our Nissan Leaf for nerd battery fun and in our Sprinter/RV since there is no MB dealer nearby. This is our third Sienna (all three with AWD due to where we live), first we bought with 100k and drove to about 240k (biggest issue was passen...
by WhyNotUs
Mon Mar 22, 2021 9:44 am
Forum: Personal Consumer Issues
Topic: 6,000-9,000w Portable Diesel Generator
Replies: 25
Views: 1595

Re: 6,000-9,000w Portable Diesel Generator

How big of a diesel storage tank would one want for the OPs system and backup goals?
by WhyNotUs
Sun Mar 21, 2021 10:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6532
Views: 1448893

Re: What Movie Have You Recently Watched?

Nomadland, a nice counterpoint to the reading here.
by WhyNotUs
Sun Mar 21, 2021 10:39 pm
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 42
Views: 3942

Re: Global Entry Interview conditional approval (365 day clock)...

GE got me for $200 a couple years ago. The govt canceled my long awaited interview in Denver due to the "emergency at the southern border". Okay, my fallback was to stop on the return from an INTl flight, no problem. We deplane and head to the office, it is not open on weekends!!! Check fi...
by WhyNotUs
Sun Mar 21, 2021 8:19 am
Forum: Personal Consumer Issues
Topic: Live on a lake in Florida?
Replies: 40
Views: 5377

Re: Live on a lake in Florida?

There are many small man-made lakes in Florida. I am not sure if they are decorative but they are clearly too small to boat or canoe on. Does anyone know the pros and cons of living on a lake in Florida? Thanks in advance. Rosevelt. Those "decorative lakes" are often part of the reality o...
by WhyNotUs
Sun Mar 21, 2021 8:05 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 242
Views: 22292

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

willthrill81 wrote: Thu Mar 18, 2021 10:34 am
I would prefer a Transit chassis simply because it seems to be difficult and expensive to get repairs done on Sprinters.
I think this problem is going to be in the rear view mirror soon as the number of sprinters and independent sprinter mechanics climbs.
by WhyNotUs
Sat Mar 20, 2021 8:41 am
Forum: Personal Investments
Topic: All of my money is in Vanguard growth fund. Help!
Replies: 16
Views: 2353

Re: All of my money is in Vanguard growth fund. Help!

Congrats on your timing. Sounds like you have added well of $1M to your portfolio to your portfolio in the last year but it sounds like it is in taxable investments. Not sure what your target is but if you are at or near it, maybe you would benefit from orienting your overall strategy from growth to...
by WhyNotUs
Fri Mar 19, 2021 9:34 pm
Forum: Investing - Theory, News & General
Topic: The Modern 60/40 portfolio: BTC/VTI
Replies: 74
Views: 3786

Re: The Modern 60/40 portfolio: BTC/VTI

Well anyone is certainly welcome to try it. There are a lot of things that could render BTC to have a pretty low value compared to todays price but in the near term there still seems to be more people looking to join the party. I do not know what will happen when the FOMO music stops. It is a gamble...
by WhyNotUs
Tue Mar 16, 2021 8:09 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1541
Views: 92195

Re: What are you listening to now

Nicolas wrote: Wed Feb 24, 2021 5:51 pm Gabby — Gabby Pahinui — world’s greatest slack-key guitarist
https://youtube.com/playlist?list=PLXoz ... d7sYefElkw
I am wearing my Gabby t shirt from his last kanikapila. No slack key for me but a little uke strumming along.
by WhyNotUs
Tue Mar 16, 2021 8:05 pm
Forum: Investing - Theory, News & General
Topic: What are the odds of losing everything in a legit real estate deal/fund?
Replies: 31
Views: 2111

Re: What are the odds of losing everything in a legit real estate deal/fund?

I think the OP is sensing that there is not enough info to offer an opinion. It is pretty hard on your first deal to dig into the due diligence required to assess risk. From your description one cannot know whether this is a group of investors who create LLCs for different projects or some larger fu...
by WhyNotUs
Mon Mar 15, 2021 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help in forced retirement - health, 401K small business
Replies: 14
Views: 1236

Re: Help in forced retirement - health, 401K small business

If you qualify for your COBRA and have a good plan, why not take that through Sept. with subsidy (assuming that lost job through no fault of your own), and then switch to ACA at the start of next year. That will keep your current deductibles and plan while you have time to sort out the strange new w...
by WhyNotUs
Mon Mar 15, 2021 11:54 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency - Bitcoin Continues to Soar!
Replies: 169
Views: 15034

Re: Cryptocurrency - Bitcoin Continues to Soar!

I am surprised people in the West care about the environment with how wasteful their lifestyles are. There was a BBC article that showed we need 4 Earths if everyone lived like Americans and less than 1 Earth if everyone lived like Indians. The biggest danger to the environment is the fact that eve...
by WhyNotUs
Mon Mar 15, 2021 7:44 am
Forum: Personal Investments
Topic: 15x expenses, then SS
Replies: 95
Views: 7817

Re: 15x expenses, then SS

+1 once you have lived the $75k lifestyle then you will have a better feel for the situation. Sometimes it is easier to project cuts when one does not have to live with them and other times one wonders what they were wasting that money on. It is likely that post work that $75 could even drop a bit m...
by WhyNotUs
Sun Mar 14, 2021 9:17 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency - Bitcoin Continues to Soar!
Replies: 169
Views: 15034

Re: Cryptocurrency - Bitcoin Continues to Soar!

Don't follow the price but I know that the energy use continues to soar, about as much as the entire country of Argentina. Not impressed. the relevant questions are what is the marginal cost, in terms of electricity, to process a single bitcoin transaction today (and in the indefinite future); and ...
by WhyNotUs
Sun Mar 14, 2021 8:35 am
Forum: Non-US Investing
Topic: [Puzzle] Which of these three stock markets had better returns since Dec 31st 1987 US,Mexico,Brazil?
Replies: 3
Views: 678

Re: [Puzzle] Which of these three stock markets had better returns since Dec 31st 1987 US,Mexico,Brazil?

I will go with Brazil for A- privatization in the 1990's went into high gear and natural resource exploitation has been in higher gear for the last decade. The market loves privatizing public assets and externalizing environmental degradation so I will give Brazil the first pick. For B, I will go wi...
by WhyNotUs
Sat Mar 13, 2021 7:10 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency - Bitcoin Continues to Soar!
Replies: 169
Views: 15034

Re: Cryptocurrency - Bitcoin Continues to Soar!

Don't follow the price but I know that the energy use continues to soar, about as much as the entire country of Argentina. Not impressed.
by WhyNotUs
Sat Mar 13, 2021 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring help for 90yo Mom
Replies: 15
Views: 1771

Re: Hiring help for 90yo Mom

We use a service called HomeWork Solutions for payroll. Our helpers initially preferred cash but we explained that we would be putting ourselves in a position of being responsible for their taxes in a problem arose and that there were advantages for them related to SE tax and potential benefits that...
by WhyNotUs
Sat Mar 13, 2021 9:14 am
Forum: Personal Finance (Not Investing)
Topic: TAXES question, Roth contributions increase Federal Tax owed
Replies: 21
Views: 1461

Re: TAXES question, Roth contributions increase Federal Tax owed

There is an IRA deduction form that indicates if you have penalties for contribution mistakes, maybe 5498 I can't remember. TurboTax "forms" menu is a good way to check for such mistakes.
by WhyNotUs
Fri Mar 12, 2021 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house now has turned into an auction. How to approach it?
Replies: 61
Views: 7052

Re: Buying a house now has turned into an auction. How to approach it?

I live in a resort area and there is only a 1.8 month supply of listings on the market. YOY average sale price is +58%

It has bred a sense of panic and people are acting accordingly. A great time to be selling a dump of a house.
by WhyNotUs
Fri Mar 12, 2021 2:12 pm
Forum: Personal Consumer Issues
Topic: Interpreting condo assoc. financial report, and other considerations
Replies: 8
Views: 533

Re: Interpreting condo assoc. financial report, and other considerations

I'm considering buying a unit in a waterfront high rise on the west coast of Florida. Please give me important tips regarding how to evaluate the association's financial report. Also please alert me to other things I might overlook when considering whether or not to buy, Thanks. I would typically d...
by WhyNotUs
Fri Mar 12, 2021 12:18 pm
Forum: Personal Consumer Issues
Topic: Audio Receiver Recommendations
Replies: 49
Views: 3465

Re: Audio Receiver Recommendations

I've had nothing but problems with 2 Onkyo's I've had. I won't buy another one. Not sure what I'll replace the last one with. I bought a used Onkyo off Craigslist last year and it sounds fantastic. What about them isn't working out? We had two different ones in a vacation rental we used to own. Fir...
by WhyNotUs
Fri Mar 12, 2021 11:42 am
Forum: Investing - Theory, News & General
Topic: Fee-only financial planner for nonprofit
Replies: 7
Views: 435

Re: Fee-only financial planner for nonprofit

I am currently serving on the endowment committee of one NPO and helped to set up another. The board adopted IPS goes a long way to making sure that any advice from anyone is seen through the filter of a board policy that reflects it boundaries for risk and reward. I also like having naming policies...
by WhyNotUs
Fri Mar 12, 2021 9:39 am
Forum: Investing - Theory, News & General
Topic: Fee-only financial planner for nonprofit
Replies: 7
Views: 435

Re: Fee-only financial planner for nonprofit

Interesting that Rick Ferri helps create a plan together for $925. Hard to beat that amount of brainpower for that amount of money.
by WhyNotUs
Fri Mar 12, 2021 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a necessary future move?
Replies: 11
Views: 670

Re: Buying a house with a necessary future move?

There may be a way to calculate it but it will be dependent on some assumptions that will be a challenge to get right. What will interest rates be in 5-10 years? What will happen to housing prices between now and when you buy the second home? What will happen with your income? The way that you addre...
by WhyNotUs
Fri Mar 12, 2021 8:42 am
Forum: Non-US Investing
Topic: Buy another house while old house unsold? [Asia]
Replies: 19
Views: 2096

Re: Buy another house while old house unsold?

finfire wrote: Fri Mar 12, 2021 8:39 am Given what you've told us, I'd recommend selling existing house before buying another.
+1, good luck