Search found 2740 matches

by Sandtrap
Thu Dec 14, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: I’ve made huge errors and hope it’s not too late
Replies: 16
Views: 1207

Re: I’ve made huge errors and hope it’s not too late

Welcome :D It's wonderful that you've "arrived". Many have come before you far later so don't beat yourself up. . too badly. . or a little more if you are inclined. :shock: Here is a large toolbox to immerse yourself in. Once going through it, you will know whether you need a financial adviser or Va...
by Sandtrap
Thu Dec 14, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Sold Business....starting another...need advice.
Replies: 3
Views: 435

Re: Recently Sold Business....starting another...need advice.

You might be a good candidate for a balanced fund. You will not need to maintain it. It is an all in one portfolio solution. And there are less moving parts so you will not be as reactive to market movements. Vanguard Balanced Index Fund The Vanguard Balanced Index Fund started in 1992 and holds mor...
by Sandtrap
Thu Dec 14, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 25
Views: 2007

Re: Downsizing - How much to invest in a house before selling?

Remove the carpets if hardwood underneath. If not: clean the carpets, and fresh neutral paint will pay off. Anything else is a maybe. Minimal furniture. Forget allowances, etc. just price attractively. Even if buyers don't like the colors new paint makes the place look clean. Improved bathrooms and...
by Sandtrap
Thu Dec 14, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 33
Views: 2587

Re: Reached 50X annual spending. Now what?

Welcome :D Congratulations on your successes and hard work. :sharebeer I also have 50X and sleep well with a 30/70 allocation (per Rick Ferri) in a hybrid LMP that is somewhat "black swan" resistant. I also am diversified in real estate for the "super black swans" (terrifying enormous wingspans). Yo...
by Sandtrap
Thu Dec 14, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: How Will Indexers Affect A Downturn---or the functioning of the market in the long-run?
Replies: 18
Views: 1539

Re: How Will Indexers Affect A Downturn---or the functioning of the market in the long-run?

The entire financial market is about 300 "Trillion" dollars. Vanguard is at 4.5 Trillion but not all of it is in indexing. And, as of 2017, passive funds make up 29% of the market. In 2016, passive funds in the United States attracted $506 billion, and actively managed funds posted $341 billion in w...
by Sandtrap
Thu Dec 14, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: seeking financial advice
Replies: 16
Views: 959

Re: seeking financial advice

Focus on what you have control over. You want to buy low? Your going to need a meaningful crash. If your worried about a major correction at this point in your accumulation phase, you must think you can market time (you can't). I know what you say is the right approach. Just hard to do in practice!...
by Sandtrap
Thu Dec 14, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Almost fell off my chair...
Replies: 16
Views: 3994

Re: Almost fell off my chair...

Ever since following the BH way of investing, life has become less stressful. With the "set it and forget it" mentality, I haven't checked my basic VG three fund portfolio in some months. Logged in this morning just to ensure I am hitting my 401k contribution limit with my last check for the year.....
by Sandtrap
Thu Dec 14, 2017 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Only Wellington and Wellesley in retirement portfolio. Is that a good idea?
Replies: 15
Views: 1711

Re: Only Wellington and Wellesley in retirement portfolio. Is that a good idea?

Great idea!
Google the Boglehead past threads for the W's bookended at 50/59 allocation. There are many.
j :D
by Sandtrap
Wed Dec 13, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is it good idea to buy yearly maintenance from HVAC company
Replies: 14
Views: 1357

Re: Is it good idea to buy yearly maintenance from HVAC company

There are not many components that can go wrong with a standard HVAC system on a yearly basis, nor are there preventative maintenance work that is critical beyond changing the return air filters to prevent overheating, etc. And, what does go wrong is typically something that must be replaced rather ...
by Sandtrap
Wed Dec 13, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 2716

Re: WHO IS RIGHT ME or SPOUSE

This is the same as "Who's on First?"
j :D
by Sandtrap
Wed Dec 13, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 22
Views: 1215

Re: Young Investor: When to diversify

I appreciate everything you said there and would agree with most. My only thought is that because I do not have a ton of money invested, I am not sure I want any bonds as of yet. I understand that no bonds is riskier but that is a risk I think I am willing to take. And I could split all of my money...
by Sandtrap
Wed Dec 13, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own property used solely for Airbnb?
Replies: 9
Views: 1006

Re: Anyone own property used solely for Airbnb?

I have 2 R/E development friends who do both AirBnB and VRBO. All high end. One has several multimillion dollar "McMansions" in upper Scottsdale that are VRBO's. They do very very well. I am in the residential multi unit rental business but am considering branching to VRBO's. As stated earlier, you...
by Sandtrap
Wed Dec 13, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 22
Views: 1215

Re: Young Investor: When to diversify

Hello all, first post here. I switched over from EJ earlier this year and switched all of my money into the Vanguard Total Stock Market Index Fund (VTSAX). I have a little above $13,000 invested and I am 23 years old. I was wondering should I just keep growing that fund until it is larger and diver...
by Sandtrap
Wed Dec 13, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 26
Views: 2215

Re: How to deal with Micro-manager

There is a cultural chasm here than can't be crossed. Both from DW's behavior and culture as a response and reaction. And, also efforts to communicate and create empathy (if that is indeed possible with a bully). And, also, any effort to restructure the arrangement and communication styles (draw lin...
by Sandtrap
Wed Dec 13, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own property used solely for Airbnb?
Replies: 9
Views: 1006

Re: Anyone own property used solely for Airbnb?

I have 2 R/E development friends who do both AirBnB and VRBO. All high end. One has several multimillion dollar "McMansions" in upper Scottsdale that are VRBO's. They do very very well. I am in the residential multi unit rental business but am considering branching to VRBO's. As stated earlier, you ...
by Sandtrap
Wed Dec 13, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - rental properties
Replies: 11
Views: 1487

Re: Portfolio review - rental properties

Very nice! Congratulations on exiting the Rental Business. Your plan looks great and well thought out. And, you've made great progress from your original post. Here's some additional reviews on basics. Deploying to "non taxable space" then taxable" is per Bogle guidelines. Funding Priority [url] htt...
by Sandtrap
Wed Dec 13, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Almost fell off my chair...
Replies: 16
Views: 3994

Re: Almost fell off my chair...

Ever since following the BH way of investing, life has become less stressful. With the "set it and forget it" mentality, I haven't checked my basic VG three fund portfolio in some months. Logged in this morning just to ensure I am hitting my 401k contribution limit with my last check for the year.....
by Sandtrap
Tue Dec 12, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tom's First Post needing portfolio help
Replies: 6
Views: 626

Re: Tom's First Post needing portfolio help

Welcome :D Question 1: I know retirement is a long time away, but how can I try to know what a target amount of money should be for retirement? Asked another way, am I currently on pace to retire in my mid 60s or do I need to save more/live on less? There is a general "rule of thumb" that suggests 2...
by Sandtrap
Tue Dec 12, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Where to save cash over 5 years.
Replies: 25
Views: 1960

Re: Where to save cash over 5 years.

CD's. High yield accounts. For such a short term protection of principal is the priority. "Investment" is for long term. IE: funds. Do research here: BankRate.com http://www.bankrate.com/partners/sem/cd-rates-v9?gclid=EAIaIQobChMIufm61oaG2AIVi4tpCh0YWgESEAAYASADEgLRbfD_BwE&prods=15%2c16%2c18%2c19%2c...
by Sandtrap
Tue Dec 12, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 50
Views: 3971

Re: Any of you trade just a little as a hobby?

Placing trades, any trades, makes me anxious. I hate it. +1 I find the research and speculation fascinating. But the actual doing would ruin my "sleep factor". It would cease to become a hobby or fun. My OCD tendencies would turn it into a serious financial project. And, then I would no longer be "...
by Sandtrap
Tue Dec 12, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Planning Advice
Replies: 5
Views: 564

Re: Investment Planning Advice

Goals in order of priority: 1. Rebalance to other funds prefer passively managed index funds with low expense ratios – I think my asset allocation is conservative and I think I would like to increase my total stock holdings (both US and International Stock holdings) to ~80%, and decrease my US Bond...
by Sandtrap
Tue Dec 12, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 48
Views: 2185

Re: Play money individual stocks, which ones?

I've been tempted and made a secret list. Lockheed Martin  LMT Boeing   BA Raytheon  RTN Northrop Grumman  NOC General Dynamics  GD United Technologies Corporation  UTX L3 Technologies LLL Coca Cola  KO Fairly valued wide moat General Mills GIS Undervalued narrow moat Kellogg  K Undervalued narrow m...
by Sandtrap
Tue Dec 12, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2312

Re: Does any indicator not predict a 2000/2007'ish crash?

OP: Read this wonderful write up by "garland wizzer" (wizard) from a recent thread. Hope the excerpt is okay. . . with him. Apologies if not but I saved it because it was so so good. I unsuccessfully was trying to correlate R/E cycles with market movement. When asset prices are not driven by earning...
by Sandtrap
Tue Dec 12, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 126
Views: 4548

Re: Snow Tires? Worth it?

New from Costco: Michelin ltx at2 on my Tundra TRD 4wd with electronic traction, etc. Will see how they do this year. Last year was the last of the treadwear on 4 season tires and nearly ended up in a roadside ditch after a heavy snow. That'll learn me. . . . :shock: In Hawaii?? Northern Arizona :s...
by Sandtrap
Tue Dec 12, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 126
Views: 4548

Re: Snow Tires? Worth it?

New from Costco: Michelin ltx at2 on my Tundra TRD 4wd with electronic traction, etc. Will see how they do this year.
Last year was the last of the treadwear on 4 season tires and nearly ended up in a roadside ditch after a heavy snow.
That'll learn me. . . . :shock:
by Sandtrap
Tue Dec 12, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 11
Views: 850

Re: Quantity of places to hold assets

Many on this forum are all in or have substantial assets in Vanguard. To say they are "informed" is understated. According to Morningstar, Vanguard has approx 4.5 Billion in assets under management . And, six out of the 10 largest mutual funds by asset size belong to Vanguard, with the largest, Van...
by Sandtrap
Tue Dec 12, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 2925

Re: Access to landlocked timber blocked by landowner

Curious - are any of the responses here by attorneys that specialize in this kind of law? I know real estate can be different, but OP has a signed agreement from the current land owner that he can access the land from the north, and precedent has been set for 5 years in regards to what access from ...
by Sandtrap
Tue Dec 12, 2017 1:54 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 76
Views: 5884

Re: 2018 financial goals - what are yours?

2018 Financial Goals
1 Transition deeper into retirement via portfolio maturation
2 Continue selling off R/E
3 Explore VRBO purchase options in the spring if the market slumps. Delay if not.
4 Deepen my knowledge of investment finance (part of #1)
5 Spend a little, worry less, ignore all noise.
j :D
by Sandtrap
Tue Dec 12, 2017 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Thanks! We just let our VG PAS advisor go...
Replies: 14
Views: 3127

Re: Thanks! We just let our VG PAS advisor go...

If you (or anyone else having done this) don't mind answering, how did you let them go (by phone? by email?) and what was their reaction? Did they try to get you to stay? How quickly were you no longer a client (did you get their services through the period you'd already paid for)? And can you stil...
by Sandtrap
Mon Dec 11, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 11
Views: 850

Re: Quantity of places to hold assets

Many on this forum are all in or have substantial assets in Vanguard. To say they are "informed" is understated. According to Morningstar, Vanguard has approx 4.5 TRILLION in assets under management. And, six out of the 10 largest mutual funds by asset size belong to Vanguard, with the largest, Vang...
by Sandtrap
Mon Dec 11, 2017 10:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Holiday thanks to Bogleheads. How have they helped you?
Replies: 18
Views: 1665

Re: Holiday thanks to Bogleheads. How have they helped you?

In the spirit of the Holidays and end year period, it might be nice to recognize everyone for the gracious help they've given on the journey to "Bogleheadville" and Financial Independence. QUESTION: 0 Who? 1 How have they helped you? 2 What area of FI or type of advice,etc? Me: :D To name just a fe...
by Sandtrap
Mon Dec 11, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8622

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

I might add that several, or even one, 911 ride in an ambulance and a night or more in the ER can completely change one's paradigm. Prior "big picture rules of life" go down the toilet along with plans and predictable spreadsheets. . . Then, perhaps, more humble "big picture rules of life are realiz...
by Sandtrap
Mon Dec 11, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10569

Re: Save all this money, what do you splurge on?

I might lose my mind in 2018 and purchase an Oliver travel trailer and a pick up to tow it. If I do it will be the most expensive indulgence of my life, just over 6 figures. Not at all sure I will do this but I might. I had looked at the Oliver Travel Trailers in the past and they are very high end...
by Sandtrap
Mon Dec 11, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1222

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

And why do you have Total Bond in taxable? I only have taxable. No non-taxable. But why do you have Total Bond when you could have a tax-exempt muni fund? Either the balances on the two funds remain the same at this point or increase. But I wouldn't sell them. thoughts? I would not add to the balan...
by Sandtrap
Mon Dec 11, 2017 10:32 pm
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 8
Views: 680

Re: When asset prices are not driven by earnings growth. Correction? Dip?

Corporate profit growth has been tepid by historical bull market standards during the current bull market. Most of the market gains have come from PE multiple expansion. There are reasons why PE might rationally expand: secular low interest rates and low inflation, slow but stable economic and corp...
by Sandtrap
Mon Dec 11, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Paying contractors for incomplete work
Replies: 32
Views: 2333

Re: Paying contractors for incomplete work

I did a Google search for this topic and saw a lot of different opinions. A plumber came to our home to fix a toilet and do an inspection. The toilet was not fixed properly. Should we have paid the plumber? A lot of people say a contractor is paid for their time and not for successfully completing ...
by Sandtrap
Mon Dec 11, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 44
Views: 7314

Re: Those silly lotion containers

I get to risk my hands in cutting off, top 2/3rd of the bottle to get to the last of the stuff. The remaining lotion is considerable, much like fees. Duties of a husband. :annoyed +1 I've moved from a utility knife to a Fiscars grippy utility scissors. The Fiscars scissors is much safer though some...
by Sandtrap
Mon Dec 11, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 126
Views: 4548

Re: Snow Tires? Worth it?

Random question for the group. I currently have 4 wheel drive Honda CRV with all season tires. However, we just moved to a cold weather location with longer winters and I have a longer commute now than before. My questions: -Does anyone recommend snow tires, even if a 4 wheel drive care? I have a w...
by Sandtrap
Mon Dec 11, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 8
Views: 680

Re: When asset prices are not driven by earnings growth. Correction? Dip?

Earnings per share were growing at a 19% yearly rate this summer http://www.multpl.com/s-p-500-earnings-growth Source is S&P. I don't know what the source of the info is for "Real Investment Advice", or maybe that page doesn't use the latest info. Thanks for looking. That's interesting. . So. . que...
by Sandtrap
Mon Dec 11, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Does a tilt toward consumer staples make sense?
Replies: 15
Views: 793

Re: Does a tilt toward consumer staples make sense?

At about 10 years from retirement and SS, our allocation is 50/50. I feel pretty calm about that, even though I know I won't like a big dip , especially since the size of our accounts is so much larger now than in 2008. But 50/50 is right, I didn't sell then, I won't sell into a drop now. With that...
by Sandtrap
Mon Dec 11, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 79
Views: 7127

Re: Done gone and did it

:sharebeer
congratulations and best wishes
j :D
by Sandtrap
Mon Dec 11, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 8
Views: 680

Re: When asset prices are not driven by earnings growth. Correction? Dip?

I didn't get very far clicking on the link because of all the pop-ups. I suggest that no one else bother clicking there. Your post though reminded me of an old Warren Buffett quote "In the short term the market is a popularity contest; in the long term it is a weighing machine." The quote succinctl...
by Sandtrap
Mon Dec 11, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 8
Views: 680

When asset prices are not driven by earnings growth. Correction? Dip?

Recently, I was at a gathering friends who are R/E professionals. We talked about the current state of the R/E development and investment market, income properties, etc. The consensus was that the R/E market in our area was overvalued and ripe for a "correction". This from purchases far beyond the a...
by Sandtrap
Mon Dec 11, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8622

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

.. . . 2. Mindfulness . I used to think that mindfulness was hippie BS, but the more I learn about and apply this concept the more I realize how powerful it is. Without mindfulness, it's easy to fall into the trap of always thinking about what you have to do next, wishing for the weekend while you'...
by Sandtrap
Sun Dec 10, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10569

Re: Save all this money, what do you splurge on?

Lately, I've been thinking of buying a golf course townhouse in the Troon development in upper Scottsdale. If I call it a potential purchase for a VRBO, or rental, then decide "later" to just keep it as a second home, it might not be a "splurge".
:D
by Sandtrap
Sun Dec 10, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1222

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

I have the "old" mutual fund platform, and V handles Spec ID just fine for any reinvesting. I don't think it matters much if you are not trying to change to other funds. Just do what makes sense to you. When you need the money, then direct it to your bank instead of reinvesting. Anything purchased ...
by Sandtrap
Sun Dec 10, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall of 1.5 millions
Replies: 10
Views: 2085

Re: Windfall of 1.5 millions

Welcome :D This will help greatly: Managing a Windfall https://www.bogleheads.org/wiki/Managing_a_windfall Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Bogleheads®_investment_philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://...
by Sandtrap
Sun Dec 10, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8622

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

technovelist wrote:
Sun Dec 10, 2017 4:55 pm
Toons wrote:
Sun Dec 10, 2017 4:53 pm
1.Keep It Simple :happy
2.Occam's Razor :happy
Also, avoid redundancy? :sharebeer
And. . . all things in moderation. . including moderation. . . :shock:
by Sandtrap
Sun Dec 10, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2436

Re: Do girls wear Ninja Turtle character shoes

2comma wrote:
Sun Dec 10, 2017 6:55 pm
Those guys are still around? My son was seriously into them when they first came out - he's 35 now. You should have seen the looks I got from my co-workers when I said "Teenage Mutant Ninja Turtles".
Cowabunga Dude :!: