Search found 1595 matches

by Sandtrap
Mon Oct 16, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 7
Views: 472

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

Hi Mr. Sandtrap, I'm a fan of the Roadtreks. As a matter of fact, I am writing this from my 2010 RT Popular - all snug in a campground on Lake Erie. I'm on a month-long trip at present, and have traveled solo for 5 years and over 60,000 miles in my beloved Roadie. (DH hates to travel.) You can't be...
by Sandtrap
Mon Oct 16, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: How best to sell lot zoned for apartment?
Replies: 3
Views: 248

Re: How best to sell lot zoned for apartment?

Advise the realtor to be sure to list it on Loopnet. I know quite a few R/E developers who scan it daily looking for "low hanging fruit", myself included. The subscription fee is high but it works well. http://www.loopnet.com As far as optimizing value. Same as selling a home. Presentation. 1. If it...
by Sandtrap
Mon Oct 16, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: ‘Sure Things’ Check-In
Replies: 5
Views: 1081

Re: Swedroe: ‘Sure Things’ Check-In

Outstanding!
Thanks Larry :D
by Sandtrap
Mon Oct 16, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 7
Views: 472

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

Since you have a Toyota Tundra, maybe check out these: http://www.fourwh.com/ I don’t own one, but see a lot of them out there, especially in the Southwest. Thanks. I've been drooling over those for decades. The "Hawk" model would fit the Tundra perfectly and no problem handling the weight with eas...
by Sandtrap
Mon Oct 16, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 52
Views: 4524

Re: You career roots and your path to financial independence. "Actionable: steps and tips for others?

In addition to everything else mentioned, I would also say that while Future Me welcomes a financial stable life every time I make a contribution or make smart financial moves, it is also important to take care of Present Me as well since Present Me is doing all of the work. People forget to take c...
by Sandtrap
Mon Oct 16, 2017 9:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 228
Views: 30359

Re: Roll Call for the Retirement Class of 2017!

It seems people on here are giving considerable notice to their employer when they decide to retire, i.e., months. A guess a lot has to do with the amount of respect you have for your employer, co-workers and the amount of transition that is required. I'm curious how folks think about the timing of...
by Sandtrap
Mon Oct 16, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 7
Views: 472

Class B RV. Travato vs Roadtrek vs Suggestions?

I'm thinking of getting a Class B Rv. Maybe "lifestyle creep" but why not. Winnebago Travato $$$ vs Roadtrek 210 $$ vs other suggestions>? Requirements are: DW and I. Retired. Mostly for me solo. Spine friendly. Frig, bathroom/shower, stove, microwave. Not too large, easy to park, versatile, fits in...
by Sandtrap
Mon Oct 16, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 29
Views: 1316

Re: Storing Lawn Tractor over the Winter

deikel wrote:
Mon Oct 16, 2017 6:49 pm
- change oil
- let it run until its out of gas
- take the battery out and place in the basement or ideally a warm room and put on a float

done
+1
Take the battery out. :oops:
A bit of Stabil is good then run until dry as fuel will still be in the float bowl and lines.
by Sandtrap
Mon Oct 16, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: good used car.
Replies: 5
Views: 580

Re: good used car.

What color "Toyota Corolla"?
by Sandtrap
Mon Oct 16, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Business Laptop Suggestions Request
Replies: 4
Views: 395

Re: Business Laptop Suggestions Request

High end Dell Laptop.
Windows 7
Microsoft Office/Business.

or

Lenovo Thinkpad P51
Microsoft Office/Business

Had high end business IBM laptops since the "butterfly keyboard", Thinkpads, and then the Lenovos. All solid.
by Sandtrap
Mon Oct 16, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 108
Views: 6437

Re: How long for hedonic adaptation to set in?

I lived in one of my own rental buildings for many many years with DW and kids. Profits went right back into my company. Chose to save up and buy a very nice cozy mini ranch with lots and lots of acreage just at the edge of a pricey neighborhood outside of town. Paid cash. Not a mansion, just cozy, ...
by Sandtrap
Mon Oct 16, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 10
Views: 897

Re: How do you outfit your feet?

Retired. 1. Mug Boots or Bogs for stables and chores. 2. House slippers. Lined Moccasins. 3. Cowboy style boots (dirt doesn't get in, no laces) 4. New Balance Sneakers. 5. Danner boots. 6. Timberland Winter Boots. 7. Fishin' boots. 8. Golf shoes. 9. Slippers (Hawaiian style) A pair for every occasio...
by Sandtrap
Mon Oct 16, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: What are your best car battery purchase options?
Replies: 18
Views: 654

Re: What are your best car battery purchase options?

Costco for golf cart deep cycle batteries. In stock. Great prices. Over the years Costco has had better prices for car batteries and great and fast service. However: Just bought an AGM Battery (high end) direct from Interstate for my truck. $300 Costco could not special order it. However: When limpi...
by Sandtrap
Mon Oct 16, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 2893

Re: Joined the 1 comma club today!!!

:sharebeer
Congratulations1
Onward Onward. . . to the next "comma". . . and beyond.. . . . :D
by Sandtrap
Mon Oct 16, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation for the "Risk" part of your portfolio
Replies: 2
Views: 239

Re: Allocation for the "Risk" part of your portfolio

For those of you in or near retirement and set with the "safety" portion of your nest egg (20x annual expenses in stable savings/investments), how are you allocating the growth (i.e., at risk) portion? I am currently at 90:10, but wondering if this might be too aggressive per "conventional" wisdom....
by Sandtrap
Mon Oct 16, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 29
Views: 1316

Re: Storing Lawn Tractor over the Winter

-Aviation fuel sounds a bit extreme! Thanks all. Can someone explain to me the battery tender and whether that's necessary? I don't have an outlet in my shed. The aviation fuel was actually recommended to me by my power equipment dealer. We have a small airport in town that he runs to every year Th...
by Sandtrap
Mon Oct 16, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Break-even investment on a single family home is... bad?
Replies: 3
Views: 530

Re: Break-even investment on a single family home is... bad?

Break-even = Bad. You quote: $367/mo profit on a single family home. Refrigerator replacement. Stove. Breaker panel shorted out. Several sewer calls to unplug. Water leak in the middle of the night and water damage. A/C n Heat (HVAC repair), etc, etc. One reroof to the roof will sap the profits for ...
by Sandtrap
Mon Oct 16, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Where to notarize legal zoom documents? Trouble getting witnesses
Replies: 12
Views: 614

Re: Where to notarize legal zoom documents? Trouble getting witnesses

I was having documents notarized at my local bank and needed 2 witnesses. It was a large main branch. They enlisted the help of fellow well known customers and agents there that were not employees.
by Sandtrap
Mon Oct 16, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 50
Views: 2875

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Thanks for the input all! Looks like you have settled on Oahu. I think you are wise to leave Maui for a whole separate vacation at another time. There is so much to do on Oahu, you might want to consider just an extra day or two. I would suggest (as others have) renting a car for a day if you want ...
by Sandtrap
Mon Oct 16, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: First time poster:NEED HELP! We are total newbies and late to the game*updated
Replies: 31
Views: 2157

Re: First time poster:NEED HELP! We are total newbies and late to the game

Thanks Sandtrap! I have read some of the wiki's that you posted. I was hoping that we could get some high level experience from the well educated folks on this forum. I would certainly appreciate it. We tried to post in the manner requested. We were hoping for the type of financial review tht we've...
by Sandtrap
Sun Oct 15, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Adding funds to portfolio full of individual stocks
Replies: 6
Views: 405

Re: Adding funds to portfolio full of individual stocks

Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Boglehe ... philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Boglehe ... art-up_kit Define General Investme...
by Sandtrap
Sun Oct 15, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2175

Re: Dental implants in Poland

I've spent a considerable amount of my time and money on educating myself and training in dental implantology. It is true that just because you have your surgery done in the USA it may not be done any better than another country. There is a ton of legislation currently in the courts that will soon ...
by Sandtrap
Sun Oct 15, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 108
Views: 6437

Re: How long for hedonic adaptation to set in?

"If" one's inherently low "set point" could indeed be raised by "lifestyle creep", wouldn't the result be temporal and illusory at best? Recent findings in positive psychology indicate that the baseline level of happiness can be changed. In the book "The How of Happiness," Sonja Lyubomirsky has sta...
by Sandtrap
Sun Oct 15, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing - Personal Philosophies
Replies: 43
Views: 3505

Re: Rebalancing - Personal Philosophies

I rebalanced all through the 1990’s and during the first decade of the 2000’s. But now my stock allocation is about five percentage points above my target, and I’ve decided not to rebalance. The reason: all of my stocks are in taxable accounts, and rebalancing by selling shares would trigger signif...
by Sandtrap
Sun Oct 15, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 108
Views: 6437

Re: How long for hedonic adaptation to set in?

"If" one's inherently low "set point" could indeed be raised by "lifestyle creep", wouldn't the result be temporal and illusory at best? Recent findings in positive psychology indicate that the baseline level of happiness can be changed. In the book "The How of Happiness," Sonja Lyubomirsky has sta...
by Sandtrap
Sun Oct 15, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2175

Re: Dental implants in Poland

I've spent a considerable amount of my time and money on educating myself and training in dental implantology. It is true that just because you have your surgery done in the USA it may not be done any better than another country. There is a ton of legislation currently in the courts that will soon ...
by Sandtrap
Sun Oct 15, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: First Post (gulp) - Request for Advice on selling inherited home
Replies: 20
Views: 1426

Re: First Post (gulp) - Request for Advice on selling inherited home

One option:
List and sell the home as you would your own.
As mentioned earlier, there are various companies and groups that will either empty the contents of the home at no charge, or bid $$ on the contents competitively.
by Sandtrap
Sun Oct 15, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Wills/Trust/Estate Planning - How best to review legal documents
Replies: 17
Views: 1082

Re: Wills/Trust/Estate Planning - How best to review legal documents

Does the document carry out your wishes that you had outlined beforehand? Does it fulfill your needs now and in the future? If you had planned and listed these things and had them organized, then now you'd only have to verify that each of those items are carried out in the provisions of the trust. I...
by Sandtrap
Sun Oct 15, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 18
Views: 963

Re: Calculating max electrical load of your home

Most residences, except for McMansions, etc, have a 200 amp "service". Maybe most built in the last xx years or so, but our tract home build in '77, definitely does not have 200 amp service. (The only reason that i know is that I've just started the research to see what I need to do to add a 50 amp...
by Sandtrap
Sun Oct 15, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: [How to get started buying stocks]
Replies: 9
Views: 512

Re: How to get started buying stocks

Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Boglehe ... philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Boglehe ... art-up_kit Define General Investme...
by Sandtrap
Sun Oct 15, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 108
Views: 6437

Re: How long for hedonic adaptation to set in?

"If" one's inherently low "set point" could indeed be raised by "lifestyle creep", wouldn't the result be temporal and illusory at best?
by Sandtrap
Sun Oct 15, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 98
Views: 4075

Re: How does everyone keep track of your portfolio?

We moved everything to Vanguard. It is all there when I log in. Same. I have a few outside accounts that I entered into Vanguard. All I really need is the 50,000 ft view. +1 I consolidated everything in Vanguard and a little still in Schwab. Both are easy to monitor when logging in. I sleep well wi...
by Sandtrap
Sun Oct 15, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 18
Views: 963

Re: Calculating max electrical load of your home

Most "modern" residences, except for McMansions, etc, have a 200 amp "service". Regardless of the breaker panel and what's in it. When you mention "upgrading your "service"" this is one thing. When you address the breaker panel, that's not quite the same thing though both are related. Every home wil...
by Sandtrap
Sun Oct 15, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1528

Re: The theory seems irrelevant. How does one execute?

Perhaps this is as much a matter of temperament and inexperience as fund selection and portfolio construction. But, you are evidently very savvy and a very quick learner. One option: The Vanguard Balanced Index Fund VBIAX. has a 60/40 allocation that you are seeking. You could not do much worse or t...
by Sandtrap
Sun Oct 15, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: First time poster:NEED HELP! We are total newbies and late to the game*updated
Replies: 31
Views: 2157

Re: First time poster:NEED HELP! We are total newbies and late to the game

Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Boglehe ... philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Boglehe ... art-up_kit Define General Investme...
by Sandtrap
Sun Oct 15, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 108
Views: 4760

Re: What are you driving? And would you buy your current ride again?

miles monroe wrote:
Sun Oct 15, 2017 2:23 pm
2011 honda element.

i'd buy it again -- its perfect for my lifestyle -- but they don't make it anymore.
+1
DW drove one forever until a deer hit it one dark night. Totaled the front end.
It was reliable and very useful.
by Sandtrap
Sun Oct 15, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1528

Re: The theory seems irrelevant. How does one execute?

Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Boglehe ... philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Boglehe ... art-up_kit Define General Investme...
by Sandtrap
Sun Oct 15, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 881035

Re: What Movie Have You Recently Watched?

I have just stumbled on the TV series, "Fresh off the Boat". Asian family opens a steakhouse in America. As I share an Asian culture I found the variety of social and business situations hilarious. A bit corny so probably won't watch all of them, but nonetheless, entertaining. Culture clash, indeed...
by Sandtrap
Sun Oct 15, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 29
Views: 1316

Re: Storing Lawn Tractor over the Winter

I use ethanol free gas in all my small gas engines. I also add stabil to the gas year round. For me, the cost incurred in using stabil year round is far outweighed by the convenience of not having to wait until the last time I use the equipment to add stabil, and running until I think the treated f...
by Sandtrap
Sun Oct 15, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Cool money savers this month
Replies: 3
Views: 977

Re: Cool money savers this month

Thanks for reminding me about the senior card for National Parks.
Does my DW have to have one of her own?
Can I do it all online?
j :D
by Sandtrap
Sun Oct 15, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Ready to take the Taxable Account plunge!
Replies: 10
Views: 1375

Re: Ready to take the Taxable Account plunge!

Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Boglehe ... philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Boglehe ... art-up_kit Define General Investme...
by Sandtrap
Sun Oct 15, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 52
Views: 4524

Re: Blue collar (or other) roots and your path to financial independence. Steps and tips for others?

Never compromise your principles, regardless of temptation. You may not have the largest accumulation of loot in the end, but having no personal regrets over your moral decisions is priceless. You can't be too dogmatic on anything. Sometimes you have to bend to get to your desired goals. There is a...
by Sandtrap
Sun Oct 15, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Help me optimize my portfolio
Replies: 5
Views: 342

Re: Help me optimize my portfolio

Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Boglehe ... philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Boglehe ... art-up_kit Define General Investme...
by Sandtrap
Sun Oct 15, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 108
Views: 4760

Re: What are you driving? And would you buy your current ride again?

What I drive:

2012 Toyota Tundra. Would buy again as long as the front doesn't get ugly. :shock:

2012 John Deere. Would buy again but they last forever. :D
by Sandtrap
Sun Oct 15, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 29
Views: 1316

Re: Storing Lawn Tractor over the Winter

Have several tractors and equipment. What I do: 1 Turn off the fuel line valve. 2 Fuel stabilizer. 3 Put the battery on a good quality trickle charger like a "Battery Minder" that also desulfates. https://www.amazon.com/gp/product/B005EKY1EM/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 4 Cover the tir...
by Sandtrap
Sun Oct 15, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio [Australia]
Replies: 3
Views: 159

Re: My First Portfolio [Australia]

Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Boglehe ... philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Boglehe ... art-up_kit Define General Investme...
by Sandtrap
Sun Oct 15, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Help with retirement decision
Replies: 11
Views: 1371

Re: Help with retirement decision

OK, it seems like everyone gave us the same recommendation take the money. I guess I was hoping to have some fun investing it :D IMHO "fun investing it" also means "fun losing it". Two sides to the coin. You might consider optimizing other income streams as well, SS, etc. And, conversely, if need b...
by Sandtrap
Sun Oct 15, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Tips on Preparing will
Replies: 12
Views: 882

Re: Tips on Preparing will

This was told to me once by legal counsel: An attorney is like a master carpenter. He can construct anything you want, within legal boundaries, whether generic boilerplate or fully customized to your unique needs. Your results will only be as good as the clarity that you have beforehand as far as yo...
by Sandtrap
Sun Oct 15, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 52
Views: 4524

Re: Blue collar (or other) roots and your path to financial independence. Steps and tips for others?

Never compromise your principles, regardless of temptation. You may not have the largest accumulation of loot in the end, but having no personal regrets over your moral decisions is priceless. I've worked full time since I was 12,. . . . . . Our net worth is somewhere slightly north of 2m. . . . . ...
by Sandtrap
Sun Oct 15, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 52
Views: 4524

Re: Blue collar (or other) roots and your path to financial independence. Steps and tips for others?

Be willing to do things and go places that others won't. I've heard of welders making $300k but the conditions aren't always great and they have to travel to the site. My cousin was a master pipe fitter. Good living but he had to travel to make the money. If you can hack it for 10 years, you're set...