Search found 195 matches

by Sandtrap
Mon Jan 16, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 2
Views: 108

Re: Biting the bullet and getting off the roof.

What about pruning back, if practical, the source of the leaves and debris?
by Sandtrap
Mon Jan 16, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 2468

Re: Trip to Kona, Hawaii - Suggestions

Already recommended: Snorkling in "Kealakekua Bay" - by the Captain Cook Monument was great. Some of the best snorkeling we had - the water was extremely clear and lots of fish. We did this as well but we rented a Kayak from a small operator and paddled across the bay to snorkel. It was o...
by Sandtrap
Mon Jan 16, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve goals?

... So almost any decision is good enough. ... A few comments about how things are taxed. Dividend income from bonds will be taxed at your ordinary rate - 15%. Stock long term capital gains (except REIT) will be taxed at 0% to the extent that your total income stays in the 15% bracket. Whatever spi...
by Sandtrap
Mon Jan 16, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is the housing market like stocks? When do you think prices fall again?
Replies: 13
Views: 816

Re: Is the housing market like stocks? When do you think prices fall again?

From the R/E point of view. National, state, regional, city, district, neighborhood. There are micro-economies driving real estate in a small area within a small town, then larger, and so forth. Sometimes a mile or so down the road from a seemingly "booming" real estate market will be a de...
by Sandtrap
Mon Jan 16, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 35
Views: 3197

Re: Landlord for first time - tips and things to know?

"No Pets", period. Require current medical certificate for "assistance" or "aid animals" and a very very hefty "animal" deposit." Sandtrap: so, if you are forced to allow a tenant even though you have a no pets policy due to this scam of a workaround som...
by Sandtrap
Mon Jan 16, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Does it sound like my employer trying to push me out?
Replies: 53
Views: 4328

Re: Does it sound like my employer trying to push me out?

The military has a huge need for IT. And, more fields and variations available than the private sector. Retirement is A+. Benefits A+. And a time tested "chain of command" (no private sector drama vs) and promotion generally based on merit (time/grade/performance). And, respect. With your ...
by Sandtrap
Mon Jan 16, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Funds in the portfolio of the Chairman of the Federal Reserve - thoughts?
Replies: 1
Views: 312

Vanguard Index Funds in the portfolio of the Chairman of the Federal Reserve - thoughts?

Public record published recently on the assets of the Chairman of the Federal Reserve. Question: Does Vanguard's heavy presence (as well as "Index" funds) support the "Bogleheads" investment philosophy? What can or cannot be learned from this? (public financial disclosure of asse...
by Sandtrap
Mon Jan 16, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Retired, expenses covered but still growing portfolio, why?
Replies: 45
Views: 3880

Re: Retired, expenses covered but still growing portfolio, why?

[/quote]. . . . . . . I think BH philosophy would say not to find one's identity in one's wealth, but there are people who do exactly that.[/quote] Well said, "dbr". Externally derived self identity. Common? Human nature? I remember a senior age fellow at a country club course I was invite...
by Sandtrap
Sun Jan 15, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 35
Views: 3197

Re: Landlord for first time - tips and things to know?

FINALLY closing on Tuesday! Took forever. Any "first 30 days tips?" My attorney has advised that the previous owner returns all deposits and last months rent to the tenants so to allow us to start fresh and not be tangled in any mistakes he may have made holding that money. We are inherit...
by Sandtrap
Sun Jan 15, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 247
Views: 36389

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

This is an interesting discussion. After living frugally for so long when (if ever) do we switch to more comfort or more luxury? Do we want to switch? Why or why not? Interesting point. That sense of "frugality" vs luxury for its own sake? A "found" but new/once hit $5 ProV1 gol...
by Sandtrap
Sun Jan 15, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??
Replies: 37
Views: 2612

Re: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??

Well, it's not that I dislike the rating so much as that I don't believe them/take them at face value. Plus the five-point scale hides some legitimate differences, which it did here, with the range of funds getting a 3 that are clearly not all similar. For reference it looks like they put LifeStrat...
by Sandtrap
Sun Jan 15, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question on portolio asset class rebalancing.
Replies: 7
Views: 364

Re: Newbie question on portolio asset class rebalancing.

This is the fundamental argument about why one rebalances. If the fund that has been underperforming continues to then yes you are 'throwing good money after bad." Most of the time, you will be rebalancing from the asset class with the higher expected return to the lower and will be lowering f...
by Sandtrap
Sun Jan 15, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 327
Views: 50191

Re: What are Costco's best deals?

Glasses (progressive prescriptions less than half normal price).
Hot dog/soda $1.50
Tires
Batteries for: car, truck, golf cart, deep cycle, heavy equipment.
by Sandtrap
Sun Jan 15, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: Retired, expenses covered but still growing portfolio, why?
Replies: 45
Views: 3880

Re: Retired, expenses covered but still growing portfolio, why?

I think for a lot of people it's just hard to turn off the savings switch. My dad has spent decades taking pride and comfort in watching his savings grow. He says since he was a young man he always looked at his savings and thought, " how long can I make this last if I never earn another dime....
by Sandtrap
Sun Jan 15, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question on portolio asset class rebalancing.
Replies: 7
Views: 364

Re: Newbie question on portolio asset class rebalancing.

No. You are selling shares at a higher price than you bought them for, and then you are buying shares in the other fund at a reduced price (they are now "on sale!") No. Yes. This is one way to keep your asset allocation at the ratio you want. Agreed, but one additional point. There is tru...
by Sandtrap
Sun Jan 15, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question on portolio asset class rebalancing.
Replies: 7
Views: 364

Re: Newbie question on portolio asset class rebalancing.

:oops:
Thanks.
Like missing the elephant in the room.
Of course.
Thanks again.
by Sandtrap
Sun Jan 15, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Retired, expenses covered but still growing portfolio, why?
Replies: 45
Views: 3880

Re: Retired, expenses covered but still growing portfolio, why?

Several of our members have all their retirement living expenses covered by SS and pensions and continue to grow their low to mid 7 digit portfolios in retirement. For those individuals what if the purpose of continuing to grow these portfolios instead of using the funds to upgrade materials items,...
by Sandtrap
Sun Jan 15, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Does it sound like my employer trying to push me out?
Replies: 53
Views: 4328

Re: Does it sound like my employer trying to push me out?

. . . . . - Two of my co-workers were recently promoted and one is now my supervisor. I was not promoted. . . . . . . . . My new supervisor recently asked me to "train" a new hire and show him what I do. He flat out told me that he and his boss are concerned that they have no backup if I ...
by Sandtrap
Sun Jan 15, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or 457 -- Which choice is better and why?
Replies: 9
Views: 861

Re: VTSAX or 457 -- Which choice is better and why?

This may be on the edge of the scope of your question, and maybe not applicable because of unknown details.
Option 4
Apply those funds to any loans/mortgage you may have on the other 2 rental properties.
(not applicable if you own them free and clear)
by Sandtrap
Sun Jan 15, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Newbie question on portolio asset class rebalancing.
Replies: 7
Views: 364

Newbie question on portolio asset class rebalancing.

The "Bogleheads wiki has this rebalancing example: You own two funds (Fund A and Fund B). The funds could be either mutual funds, index funds or exchange-traded funds (ETFs). You have a $10,000 portfolio and have selected an asset allocation such that each fund represents 50% of the total ($500...
by Sandtrap
Sat Jan 14, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: What else can I do with my job experience
Replies: 14
Views: 1498

Re: What else can I do with my job experience

USAF, Coast Guard, Navy: data analysis, strategic analysis, etc. There are often greater and unique opportunities for your skill set there than in the private sector. Your 4 year Bachelors degree will come in handy, too. Worth looking into perhaps.
by Sandtrap
Sat Jan 14, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve goals?

. . . . . . . . Again, thanks for your help and advice. Homework is good. [/quote. . . . . . . . You seem like you want to learn as much as you can . . . . . . You're absolutely correct on that. I feel I've done passably well over the decades because I have a need? (OCD?) to fully understand every ...
by Sandtrap
Sat Jan 14, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 1568

Re: 65k Cash. 25 y/o. Best place to put this?

I currently have 65k cash in a 1% APY savings account. I'm 25 y/o planning to go to medical school within 2 years. Is this the best place to put this cash? I already have maxed out my Vanguard Roth IRA contributions. I have no house and am currently renting. Not sure if I should try to purchase a h...
by Sandtrap
Sat Jan 14, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Job dilemma
Replies: 24
Views: 1825

Re: Job dilemma

Consider: 1) How long do you have to work there to get reimbursed for the relocation expenses? 2) High risk, high reward = high chance of losing job. Now, you're in a new location with heavy expenses and no income. How's your Emergency fund ? 3) You might like the job, but can't stand your coworker...
by Sandtrap
Sat Jan 14, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 53
Views: 3693

Re: Keeping kitchen knives sharp

Since I never could get the knack of a traditional whetstone, I bought a Tri-Angle Sharpmaker from Spyderco. It's a bit pricey, but it's fairly fool proof and quickly puts a nice edge on all our sharp kitchen implements, including serrated knives and scissors. I sometimes even travel with it if I k...
by Sandtrap
Sat Jan 14, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 131
Views: 6659

Re: How much do you typically spend in a restaurant?

Does anybody else look down at a $30 entree in a restaurant and think, "this would've cost $1 at home"? :shock:
by Sandtrap
Sat Jan 14, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve goals?

Why do you add "international" into the mix? What influences the decision to go with a specific "x"% allocation (20-40%) of "international" as a subset of the 50% stock asset class? . . . . . . . . . . Anyway, total return is probably better than a dividend strategy. Y...
by Sandtrap
Sat Jan 14, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve goals?

You could include U.S. And International REITs in your allocation for additional cash flows to you from dividends. You have real estate with no loans and it is taxed the same. Have you invested in the properties so long there is no more depreciation? Thanks "abuss368" for the help. Apprec...
by Sandtrap
Fri Jan 13, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 106
Views: 12879

Re: New SUV, $50G, Pilot/Highlander/Other

Toyota "anything". I did very well a couple years ago with the "consumer reports" (can't remember), online "haggling" with the dealers on specific new model Toyota Tundras and Ford Trucks. I went through 12 Ford dealers who "played games" and 4 Toyota dealers....
by Sandtrap
Fri Jan 13, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: New vs. Used Car Purchase
Replies: 26
Views: 1713

Re: New vs. Used Car Purchase

Option 1 (frugal) - if the current car is running okay, apply the 100k to the morgage.
Option 2 (less frugal) - used Toyota "anything" and apply balance to the mortgage. Sell old car on craig's list. Money is money.
by Sandtrap
Fri Jan 13, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Job dilemma
Replies: 24
Views: 1825

Re: Job dilemma

Perhaps the 2nd half of your post answers the question itself?
And, each option taken will open up other options in turn.
Good luck in your choices.
by Sandtrap
Fri Jan 13, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Just sold my home and looking to invest proceeds
Replies: 7
Views: 606

Re: Just sold my home and looking to invest proceeds

100k emergency funds
300k pay down mortgage.
by Sandtrap
Fri Jan 13, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??
Replies: 37
Views: 2612

Re: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??

I would make these points about the Managed Payout fund. The big things it has going for it is that it is the only Vanguard balanced fund (stocks and bonds both) that pays out monthly, and it is the only set-and-forget product that is intended for the purpose of delivering monthly income from a bal...
by Sandtrap
Fri Jan 13, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 77
Views: 9226

Re: Best DNA genealogy testing kits

Thanks for all the responses! I ordered a kit from ancestry.com. I also started a free 14 day trial on its web. I found a woman who had traced my paternal grandmother's family back to the 1700s. If I have just one bit of advice to anyone doing family history, it's to not trust any work that you hav...
by Sandtrap
Fri Jan 13, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $30k at 30 years old?
Replies: 49
Views: 3435

Re: What would you do with $30k at 30 years old?

[/quote] I just turned 30 last month and I have just hit 31k in my retirement account as a government employee. OP seems very similar to me in that I am always looking to use my entrepreneurial spirit i.e. moneymaking schemes as my wife calls them. However, the security of the government along with ...
by Sandtrap
Fri Jan 13, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3630

Re: Weight machine vs free weight

Inspired by a question from someone who asked about a 3rd exercise machine. Lots of good recommendations re. weight training. I did not want to hijack that thread, so I ask my question here. I have been doing cardio (outdoor jogging/indoor elliptical) for several years, but neglected to do weight t...
by Sandtrap
Fri Jan 13, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring this May, please advise
Replies: 24
Views: 2830

Re: Retiring this May, please advise

rkhusky, I really have no idea what my health insurance expense will be after COBRA ends. If ACA were to remain or something similar in price were to evolve, I would qualify for subsidies and my insurance expense would be lower. But who knows? Post COBRA. Then. . . an interim option. . . Short term...
by Sandtrap
Fri Jan 13, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 2468

Re: Trip to Kona, Hawaii - Suggestions

Things to eat while you are in Hawaii, land of "food", island style. Spam Musubi Pulehu Ribs . . . Pulehu anything. Korean Kal Bi. . . island style. Buffet anything. . . Portuguese sausage and eggs for breakfast. . . . Portuguese bean soup. . . . Oxtail soup. . chinese island style. . . lo...
by Sandtrap
Fri Jan 13, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve goals?

+1. This is a simple plan or go 50/50. 50% Vanguard Total Stock Market Index Admiral and 50% Vanguard Intermediate-Term Tax Exempt and you're done. If you're in the 25% tax bracket or below you could go with Vanguard Total Bond Market Index fund. If you want international in the mix you can add Van...
by Sandtrap
Fri Jan 13, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve goals?

[/quote] +1. This is a simple plan or go 50/50. 50% Vanguard Total Stock Market Index Admiral and 50% Vanguard Intermediate-Term Tax Exempt and you're done. If you're in the 25% tax bracket or below you could go with Vanguard Total Bond Market Index fund. If you want international in the mix you can...
by Sandtrap
Fri Jan 13, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve goals?

Sorry this does not answer your question but I was wondering why you are selling apartment buildings which generate income which you have to replace. Yes. There's a huge temptation to remain in R/E. Financial comfort zone. 40 years of hard experience. Just need to generate a frugal retiree income s...
by Sandtrap
Fri Jan 13, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 9663

Re: $600,000. Now what?

. . . . . . . . Unless you desire hitting the $50M number, I can't understand why you would risk almost everything for just a few extra years of financial independence. The joy of "winning" early is easily outweighed by the pain of "losing". Good luck with whatever you choose. L...
by Sandtrap
Fri Jan 13, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??
Replies: 37
Views: 2612

Re: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??

A good interim measure might be to allocate several million to work with Vanguard PAS, and then another several million in a self managed portfolio (a little at a time). Thoughts on this??? :| I think this is a possibility. It is fine to be slow, studied, cautious, deliberate, and methodical…until ...
by Sandtrap
Fri Jan 13, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: What would you do with $30k at 30 years old?
Replies: 49
Views: 3435

Re: What would you do with $30k at 30 years old?

I have been in your shoes. . . . . . . . . . . Personally, I would aquire a solid job with benefits (gov't/state/fed?) to solidify a dependable income stream to protect that $30k. Then I would learn from the "experts" (not me) here at "Bogleheads" re: financial investment portfo...
by Sandtrap
Thu Jan 12, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve GOALS?

...Huge thanks to everyone for helping this Bogleheads “newbie” up to this point (retiredjg, abuss368, livesoft, indexfan, blevine, nisiprius, and more. :sharebeer ) It has helped me better define my goals and questions to ask. Maybe I missed it and don't recall reading any of your other threads, b...
by Sandtrap
Thu Jan 12, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve goals?

... "Living Off Your Money: The Modern Mechanics of Investing During Retirement with Stocks and Bonds Hardcover – April 28, 2016 by Michael H McClung " is an outstanding work on various withdrawal strategies. https://www.amazon.com/gp/product/0997403411/ref=oh_aui_search_detailpage?ie=UTF...
by Sandtrap
Thu Jan 12, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 49
Views: 4690

Re: How to allocate 3-6 million in assets to achieve goals?

Allocating assets for investment purposes, or "low-risk holding", and withdrawing the assets for retirement are different subjects. I luckily started putting modest amounts into an IRA when they first came out ~ 40 years ago, and time & compound interest have been my friends. But with...
by Sandtrap
Thu Jan 12, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 2468

Re: Trip to Kona, Hawaii - Suggestions

Aloha! Helicopter ride. Near you. "Blue Hawaii" , the big blue ones, more comfy/quieter. See the entire island, etc, faster, easier than long drives. Hapuna Beach Resort buffet, prime rib/crab night. Super "ono". Kamuela (Waimea), hang out, great Thai restaurant in the older shop...
by Sandtrap
Thu Jan 12, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 9663

Re: $600,000. Now what?

Utilize everything you have to your advantage (you have many): 1 Nail down a long term income stream that will weather the storms to come. Vet points will get you into Gov't/state/fed job with retirement w/COLA and medical. That's a long term foundation to protect everything you've gained thusfar. 2...

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