Search found 1976 matches

by WhyNotUs
Thu Jun 17, 2021 12:36 pm
Forum: Personal Consumer Issues
Topic: Small (4'X9') space for bathroom?
Replies: 35
Views: 1699

Re: Small (4'X9') space for bathroom?

Yes to 3/4 bath. A pocket door could be a helpful idea. There are spacing requirements for toilet, sink, and shower that need to be accounted for in your layout. A round toilet will fit a little better than elongated but that is not a big deal, to me. There are lots of vanity and toilet choices as p...
by WhyNotUs
Tue Jun 15, 2021 7:29 am
Forum: Personal Investments
Topic: Should I sell my investment property?
Replies: 16
Views: 1436

Re: Should I sell my investment property?

Evict and sell
by WhyNotUs
Mon Jun 14, 2021 11:18 am
Forum: Personal Consumer Issues
Topic: Locast Streaming Service?
Replies: 14
Views: 780

Re: Locast Streaming Service?

I use it and appreciate the service.
I have an antennae as well but the weather tends to knock them around and signal quality varies.
by WhyNotUs
Fri Jun 11, 2021 11:06 am
Forum: Investing - Theory, News & General
Topic: One Bogleheads idea I have a hard time understanding...
Replies: 108
Views: 14392

Re: One Bogleheads idea I have a hard time understanding...

galawdawg wrote: Sun Jun 06, 2021 7:01 am First, understand that investing is not the same as a medical trial. You don't have a test group and a control group and account for all of the variables.
The SPIVA info was pretty convincing to me.

https://www.spglobal.com/spdji/en/spiva/#/reports
by WhyNotUs
Fri Jun 11, 2021 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Self-Employed. 30 years old. Live home. Need money to buy a business, have $100k cash, $400k in taxable. Do I sell some?
Replies: 2
Views: 549

Re: Self-Employed. 30 years old. Live home. Need money to buy a business, have $100k cash, $400k in taxable. Do I sell s

Everyone hates to pay taxes but the big question is if you can see any way that you would ever be able to sell the stocks and pay less in taxes. the cash from your investments available to be able to pay cash for any house you want to buy. [/quote] I don't really hate it. i don't love it but see it...
by WhyNotUs
Thu Jun 10, 2021 8:26 am
Forum: Personal Finance (Not Investing)
Topic: So now you're dead -- how does your executor find all your accounts & bills?
Replies: 72
Views: 9822

Re: So now you're dead -- how does your executor find all your accounts & bills?

A couple thoughts based on lessons learned: • If you are trying something like a life insurance trust to avoid estate taxes, take the time to make sure that it is set up properly and the ongoing payments are made properly. It is not a passive strategy. Getting it 75% right will not do you much good....
by WhyNotUs
Mon Jun 07, 2021 1:34 pm
Forum: Personal Consumer Issues
Topic: plumber cost to "run snake to unclog pipes"
Replies: 66
Views: 4337

Re: plumber cost to "run snake to unclog pipes"

HCOL area, had a guest use lots of "flushable wipes"= $270, almost 10 years ago.

Went to Harbor Freight and bought one for about that cost. Just the threat of it has prevented another backup :sharebeer
by WhyNotUs
Sat Jun 05, 2021 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13064

Re: Can we talk about what I think is a blind spot in our retirement planning?

TomatoTomahto wrote: Sat Jun 05, 2021 10:22 am I have been previously divorced, and the financial impact was staggering.
+1, had pretty much hit the number, was generous in divorce, had to rebuild again. This Bull Market made it all work but it did not have to be this way.
by WhyNotUs
Tue Jun 01, 2021 10:41 pm
Forum: Personal Consumer Issues
Topic: Car Rental Prices/Options on Maui
Replies: 21
Views: 1818

Re: Car Rental Prices/Options on Maui

There are shuttles from the airport and limited ride share options. I stay for extended periods in NW Maui and can have a lot of fun without a car. Usually they are so cheap that I do not think about leaving it sitting for days but with current prices I would be using a shuttle and then taking the b...
by WhyNotUs
Mon May 31, 2021 6:12 pm
Forum: Personal Investments
Topic: At 59, should I be more conservative?
Replies: 27
Views: 3606

Re: At 59, should I be more conservative?

You might enjoy playing with a compound interest calculator. If you take 790k and add 1500 a month for 6 years, you would need to earn 5.5% a year to reach $1.2M. That is possible but no one knows whether life will turn out that way. We could have a terrible 5 year period or a great one or a 5.5% on...
by WhyNotUs
Fri May 28, 2021 4:45 pm
Forum: Personal Consumer Issues
Topic: Question for non-Tesla EV owners
Replies: 45
Views: 4939

Re: Question for non-Tesla EV owners

May be a regional issue. Where I live there are many plugs in many public locations. It would be less convenient to own a Tesla for local driving here but they have a great networks along interstate 70 and other Is.

To see chargers in your area, look at: https://www.plugshare.com/

We drive a Leaf
by WhyNotUs
Fri May 28, 2021 8:37 am
Forum: Investing - Theory, News & General
Topic: Why are so many people saying the real rate of return of US market is going to be low?
Replies: 242
Views: 18462

Re: Why are so many people saying the real rate of return of US market is going to be low?

JBTX wrote: Mon May 24, 2021 11:20 am
Da5id wrote: Mon May 24, 2021 10:57 am

Image

This is pretty compelling data.
I am going all in on Denmark! Will be swimming in Kroners.
by WhyNotUs
Fri May 28, 2021 8:27 am
Forum: Personal Finance (Not Investing)
Topic: strategy for buying a house in this ridiculous market
Replies: 60
Views: 5624

Re: strategy for buying a house in this ridiculous market

Even during the depths of the GFC, the median sales price for U.S. housing never dropped to the levels set in 2003. So someone in late 2003 could have looked at the 60% increase in the median sales price since 1990 and declare 'prices have got to fall below this obscenely high level', but they have...
by WhyNotUs
Thu May 27, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 131
Views: 11532

Re: E-Bike recommendations

I find the Bosch system a little louder than the Yamaha, a slight whine sound but most people do not mind it. Have not ridden it but the Trek looks like a good bike- hard trail 29er. I ride a Specialized hard tail 29er and if you are staying on mild single track it should not get too bouncy for your...
by WhyNotUs
Wed May 26, 2021 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Poor Timing Between Buying and Selling Home
Replies: 23
Views: 2193

Re: Poor Timing Between Buying and Selling Home

ZWorkLess wrote: Wed May 26, 2021 8:50 am I'm a worrier, so if I were you, I'd be worrying, too.
Epic post :sharebeer
by WhyNotUs
Wed May 26, 2021 5:00 pm
Forum: Personal Consumer Issues
Topic: Outdoor light fixtures - please help me choose
Replies: 18
Views: 1000

Re: Outdoor light fixtures - please help me choose

Yes, dusk to dawn photocells work- buy quality With smart home tech there are lots of choices for app based timers that I personally avoid in favor of simplicity and dark sky. Do you have reason to want the lamp post on all night? The reason I ask about the lamp post is that it could seem a bit rude...
by WhyNotUs
Wed May 26, 2021 3:59 pm
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7052

Re: Gambled on a trip to Europe

If you arrive in Lisbon somewhat early you might consider driving the first day to Evora. It is a lovely city with a rich history in a wine region. The local wines are often very good and usually inexpensive. In addition, Evora has Roman ruins, a chapel lined with bones and one of the most charming ...
by WhyNotUs
Tue May 25, 2021 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15511

Re: Can I afford a 200k RV ? 3.2mm Net Worth

The reason he told me is that they have a lot of people that keep asking them about the van and they want the van completely paid for so that people will stop bugging them about it, and that they know its been sold. A dealer would love this kind of interest, they can take a deposit on the next orde...
by WhyNotUs
Tue May 25, 2021 10:22 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel
Replies: 58
Views: 4219

Re: Bathroom Remodel

The contractor says it's ok either way. I'm leaning towards tiling it so we don't have any water marks or issues with the paint getting wet. The countertop does have that little 4 inch lip on the back. What do the Bogleheads think? Water resistant primer and acrylic latex paint with a good caulk al...
by WhyNotUs
Sun May 23, 2021 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15511

Re: Can I afford a 200k RV ? 3.2mm Net Worth

Former sailboat owner and current RV owner- it is interesting how similar the systems are, no wonder people call them land yachts. Biggest difference so far for me has been the ease with which one can obtain parts when on land. So OP, have you made a decision? I'm just saying, if I had the freedom y...
by WhyNotUs
Sat May 22, 2021 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15511

Re: Can I afford a 200k RV ? 3.2mm Net Worth

You may have also taken a vow of monastic life but if not, there is a good chance that a partner would appreciate a shower and flush toilet. I have a friend who just bought a new camper top and saved some weight and money by getting one without a bathroom. He also has a very nice new girlfriend and ...
by WhyNotUs
Fri May 21, 2021 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15511

Re: Can I afford a 200k RV ? 3.2mm Net Worth

I am very concerned about OP's state of mind. 3.2mm is a tremendous success and he deserves to have it translate to real well-being, but with the frame of mind he has, he might as well have no money. Remember, money can ONLY ever have value as a means to an end. Money unspent, never existed, and th...
by WhyNotUs
Fri May 21, 2021 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15511

Re: Can I afford a 200k RV ? 3.2mm Net Worth

Btw, this is the van I'm looking at. https://www.storytelleroverland.com/beast-mode-4x4/ Can someone explain to me why this costs 200k? That blows my mind. I would have expected like 60k. The 144" would be too small for me at that price point but otherwise it is a sweet rig. The $40k upgrade t...
by WhyNotUs
Fri May 21, 2021 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15511

Re: Can I afford a 200k RV ? 3.2mm Net Worth

You can afford it. I can't help but wonder if there is mid-point between a 1991 van and a $200k Class B. There are B+ or C models with a good track record available in the $40-60k range that might be worth a look on a Sprinter diesel platform. For example: https://www.rvtrader.com/listing/2009-Itasc...
by WhyNotUs
Thu May 20, 2021 6:51 pm
Forum: Personal Consumer Issues
Topic: Solar roof during a blackout
Replies: 60
Views: 5752

Re: Solar roof during a blackout

The other interesting aspect of setting up a home with solar and some storage now is that the EVSE for cars will become two way so that the car battery will be another option for backup power in a pinch. It will take a few years for that to become cost effective but it is heading that way. You can a...
by WhyNotUs
Thu May 20, 2021 6:37 pm
Forum: Personal Consumer Issues
Topic: Designing a Compact Kitchen
Replies: 42
Views: 2466

Re: Designing a Compact Kitchen

Would installing another oven/induction cooktop/microwave on the same circuit require a new electrical panel? We have old zinsco 100 amp circuit breaker feeding a newer subpanel for most of the house. The new subpanel has two 20 amp breakers feeding the downstairs kitchen area. Good to know. I'll g...
by WhyNotUs
Tue May 18, 2021 7:48 pm
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 74
Views: 5594

Re: Any BH mountain bikers?

Also, one last bit of advice. Crashing is not something you want to do. It will happen regardless, but injuries will keep you off your bike and that's no fun. When in doubt, get off and walk. Thanks for the advice. It's actually not my wrists at all that are sore. Just the "balls" of my h...
by WhyNotUs
Tue May 18, 2021 8:22 am
Forum: Personal Consumer Issues
Topic: How to get out of a timeshare presentation?
Replies: 142
Views: 12499

Re: How to get out of a timeshare presentation?

Tell them you are waiting on the results of your COVID test to understand this nasty cough. :twisted:
by WhyNotUs
Tue May 18, 2021 8:16 am
Forum: Personal Finance (Not Investing)
Topic: ADU on parents' property [Accessory Dwelling Unit]
Replies: 16
Views: 1969

Re: ADU on parents' property [Accessory Dwelling Unit]

Sounds like you are trying to work through an idea and it needs some additional work. An accessory dwelling unit is just that, accessory to the main house and thus part of the same ownership. First, I think you need to separate living in the ADU from owning it. Whether it is owned by your parents or...
by WhyNotUs
Mon May 17, 2021 8:35 pm
Forum: Personal Investments
Topic: 10 million dollar dilemma
Replies: 56
Views: 11882

Re: 10 million dollar dilemma

What do you guy think? I think you are showing the analysis and decision making skills that led you to success in business. The remaining question I have is how to divide up the 6 million portfolio. My current thoughts are 60% Total Stock Market, 10% Total International Stock Market, & 30% Tota...
by WhyNotUs
Mon May 17, 2021 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job with no plan- Please help assess my situation
Replies: 95
Views: 9253

Re: Quitting job with no plan- Please help assess my situation

My wife did it at about 50. Kept getting promoted and raises and stresses. She did not burn any bridges on her way out and we planned for a year off and then she had to be doing something she enjoyed. 364 days later she went back to previous employer in a lower role and part time and took another pa...
by WhyNotUs
Mon May 17, 2021 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Give Up My Earnest Money
Replies: 140
Views: 14389

Re: Should I Give Up My Earnest Money

Keeping your townhouse as a rental likely does not make any sense because you would be giving up the homeowners capital gains exclusion and you would also have almost $2 million in real estate in the same city which is a diversification problem. If you sold the townhouse you could easily afford to ...
by WhyNotUs
Mon May 17, 2021 7:38 am
Forum: Investing - Theory, News & General
Topic: Is Suze Orman smart to listen to? Has she been right
Replies: 40
Views: 4288

Re: Is Suze Orman smart to listen to? Has she been right

I made it through about 20 minutes of one of her PBS shows once so I am not an expert to SO. In general, there seems to be a need for some tough love coaching for people in debt with spending issues. Different styles may work for different people but in the end a mix of increased income and decrease...
by WhyNotUs
Sat May 15, 2021 11:05 pm
Forum: Personal Consumer Issues
Topic: IPhone Battery Replacement?
Replies: 91
Views: 6499

Re: IPhone Battery Replacement?

I have done it both ways. My 4, I changed the battery myself with kit from ifixit.com
My 6, I had the Apple Store do it.
In both cases you have to do the same backup and reset.

I think it was about $40 for the Apple Genius to do it and 30 minutes. Not a bad deal to me.
by WhyNotUs
Fri May 14, 2021 7:25 am
Forum: Investing - Theory, News & General
Topic: Crypto mania !
Replies: 750
Views: 36059

Re: Crypto mania !

Also, rock and roll music! Who listens to that? Just a bunch of screeching and wailing. Maybe, or you think it is the Beatles and I think it is the Monkees. I do think that there is a place for crypto currency for reasons that Robert T described and to facilitate global trade with a currency that i...
by WhyNotUs
Wed May 12, 2021 8:18 am
Forum: Personal Finance (Not Investing)
Topic: I See no Path Forward Financially
Replies: 101
Views: 12260

Re: I See no Path Forward Financially

You have already made the hardest step, choosing sobriety. If you are an Equity Union member and work union shoots, they actually have a pretty good retirement system that you can look into as you move forward. As you probably already know, you recent pay raise is a window of opportunity to free you...
by WhyNotUs
Tue May 11, 2021 10:24 pm
Forum: Investing - Theory, News & General
Topic: Interesting interview with Nouriel Roubini
Replies: 41
Views: 3662

Re: Interesting interview with Nouriel Roubini

The power of making lots of predictions.
by WhyNotUs
Tue May 11, 2021 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Losing Motivation in Work - 5 Years To Go - Suggestions?
Replies: 131
Views: 12402

Re: Losing Motivation in Work - 5 Years To Go - Suggestions?

In addition to LawDogs prescription, I would add that it is a great time to start advancing personal interests that will lead to a happy retirement. Someone with great success is likely to have dedicated time and effort to their work and may have had under-developed interests due to their work focus...
by WhyNotUs
Mon May 10, 2021 8:52 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 687
Views: 80266

Re: Are we in a housing bubble?

BTW, the size of the median newly built home vs. the median household size has doubled over the last 50 years (i.e., twice as much housing space in newly built homes compared to the number of people likely to occupy them). Like most things, federally-backed mortgages come with two sides- a pathway ...
by WhyNotUs
Mon May 10, 2021 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tear down my house?
Replies: 57
Views: 5979

Re: Should I tear down my house?

[ But, the economics and number of tear downs in the neighborhood suggest that it's economically rational. Since I've decided to keep working even though I don't have to, this would be a "nice to have" major splurge. Based on what you have said about changes in your area, your existing ho...
by WhyNotUs
Sun May 02, 2021 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to contain Property Tax with extensive remodeling
Replies: 37
Views: 4093

Re: How to contain Property Tax with extensive remodeling

There is an Assessor record for the property, here they are called property cards, that you can check to confirm that the info is correct. The assessor will use comparable sales from a specific period of time and you can ask for the info on comparables. Where I live, they will send a spreadsheet. A ...
by WhyNotUs
Sun May 02, 2021 10:03 am
Forum: Personal Consumer Issues
Topic: Port Townsend-Olympic Peninsula
Replies: 9
Views: 1587

Re: Port Townsend-Olympic Peninsula

Get out of the water with a wooden boat charter
Eat from the Salmon Wagon, best that I have ever eaten
Shop at the food coop
Check out the Saturday farmers market
by WhyNotUs
Sat May 01, 2021 4:05 pm
Forum: Personal Consumer Issues
Topic: Buying land in subdivision, but build house from scratch
Replies: 27
Views: 2455

Re: Buying land in subdivision, but build house from scratch

The developer will now buy up another 500 acre ranch nearby and chop it up. Any idea what happens to the water rights from the ag operation? In many areas, as irrigation is eliminated for ag uses the groundwater recharge is diminished. Sometimes property owners will sell the water right separately ...
by WhyNotUs
Fri Apr 30, 2021 9:16 pm
Forum: Personal Consumer Issues
Topic: Buying land in subdivision, but build house from scratch
Replies: 27
Views: 2455

Re: Buying land in subdivision, but build house from scratch

I do not live in Texas. The states that I have lived or worked in all required developers to prove adequate water supply before subdivision, usually by providing a well, for what I think are obvious reasons. Apparently in Texas, in most areas, one can create a subdivision of lots of 5 acres or more ...
by WhyNotUs
Fri Apr 30, 2021 5:46 pm
Forum: Personal Consumer Issues
Topic: Under $10k electric car for HS student?
Replies: 40
Views: 3264

Re: Under $10k electric car for HS student?

Areas where is hot, really impact that battery. The batteries post spring of 2013 have less of an issue than before than date, Lizard pack. It is still a shortcoming in Leafs IMO but in the OPs climate it should not be significant. I was well on my way to 100k without losing a bar in a less stable ...
by WhyNotUs
Fri Apr 30, 2021 5:37 pm
Forum: Personal Consumer Issues
Topic: Under $10k electric car for HS student?
Replies: 40
Views: 3264

Re: Under $10k electric car for HS student?

Luckily we are in the Portland metro area so that should not be a problem. But I will look at Carfax histories to make sure it isn't some car from AZ that was brought up to Portland for resale. The most effective method would be to ask the owner for permission to use LeafSpy Pro and an OBD II reade...
by WhyNotUs
Fri Apr 30, 2021 5:32 pm
Forum: Personal Consumer Issues
Topic: Should I Buy An Electric Car? How Will It Work?
Replies: 64
Views: 2962

Re: Should I Buy An Electric Car? How Will It Work?

The OP does not sound like a candidate for an EV anytime soon so the hypothetical is going to create more heat than light. There are plugs, plugshare.com is a good resource and a great app. People will have more time to burn dino fuel so do not panic. We are still in the early adopter phase. We will...
by WhyNotUs
Mon Apr 26, 2021 9:52 pm
Forum: Personal Consumer Issues
Topic: Under $10k electric car for HS student?
Replies: 40
Views: 3264

Re: Under $10k electric car for HS student?

That was different than my Leaf experience. 2013, 80+ k miles, still 12 bars with 80+ mile range. I sold it for a 2020 and it was so cheap I should have kept it. The person who bought it got it for their high schooler but i see them driving it frequently as well. :D Leafs are cheap because the batte...
by WhyNotUs
Thu Apr 15, 2021 1:55 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency - Bitcoin Continues to Soar!
Replies: 695
Views: 52816

Re: Cryptocurrency - Bitcoin Continues to Soar!

I enjoyed the youtube movie link, the rise and rise of bitcoin. It was a pretty good story.
https://www.youtube.com/watch?v=sZ-aUlNY9_g