Search found 6181 matches

by Sandtrap
Sat Apr 20, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 66
Views: 3747

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

We retired 12 years ago. Since then, we've visited England, France, Germany, Austria, Spain, Hungary. Some were “ land” trips where we stayed in one city for a week or two, - London, Paris, Avignon -and others were via river cruises. Also travel the US and Canada by plane, then rent a car and drive...
by Sandtrap
Sat Apr 20, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 2944

Re: At what point would you hire someone vs. cut down a tree yourself?

If you already have a Stihl and/or a Husqvarna with a 30 inch bar or larger then you have the skills to do it safetly and have fun. If not, hire. :D
Ive done both for trees up to 60-100 feet. OTOH if you can afford to hire do so and save your back :shock:
by Sandtrap
Sat Apr 20, 2019 9:58 am
Forum: Personal Investments
Topic: Inheritance With Zero Income, Zero Expenses
Replies: 15
Views: 1381

Re: Inheritance With Zero Income, Zero Expenses

What are your plans for when you other parent passes away? Move? Sell home (would you get the proceeds, all, half, etc)? As you say "injury", do you have "disability" benefits, etc? When your other parent passes away, are you then at zero income and zero support? Are you able to work or is some kind...
by Sandtrap
Sat Apr 20, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1557

Re: What's the lowdown on HVAC filters?

Denser filters can restrict airflow to the point where the furnace can overheat (sensor will auto shutoff). Not as critical for cooling. Suggest watching the filter when the HVAC system turns on (return air vent with grill open) and if it "sucks in/bends" significantly, then there is too much restri...
by Sandtrap
Sat Apr 20, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 37
Views: 1758

Re: Apple MacBook Air - what to do next.

rich126 wrote:
Sat Apr 20, 2019 9:05 am
As someone else mentioned, how do you use it? Do you keep it plugged in all the time? Do you charge it and then just unplug it until it needs recharging?

Do you travel with it?

https://support.apple.com/en-us/HT204054
Great link.
Thanks.
j
by Sandtrap
Sat Apr 20, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 37
Views: 1758

Re: Apple MacBook Air - what to do next.

I have 3 MacBooks, 2 Pros and 1 Air. The batteries should last longer IMHO. I also use them heavily. Surprised that your battery life has diminished so quickly. Suggestions and thoughts: 1. Definitely. Let Apple take care of it. Send it in or take it in. They will make sure the batteries are done ri...
by Sandtrap
Fri Apr 19, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 66
Views: 3747

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

I am at Narita airport heading back to the states after ten weeks busing from Mumbai to Chennai, Hong Kong via Shenzhen, Beijing, Shanghai, and a few smaller cities, took ferry to Osaka and then Kyoto, Nara, and Tokyo. Travel solo, with an Osprey 4400 pack, travel inexpensively, and don't schedule ...
by Sandtrap
Fri Apr 19, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 66
Views: 3747

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Not retired but been lots of places. Looking forward in retirement to go to places I haven't been. My best travel tips for anyone: 1) Starting out, you will be learning how to travel. Don't get frustrated when things don't go as expected. Learn from each experience - how to pack, getting through th...
by Sandtrap
Fri Apr 19, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 66
Views: 3747

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Great question !!!!! I am retired. Been nowhere. Newbie traveller "wanna be" trying to make plans. Where are great places to travel to? Cruise? We only do cruise with families of friends, usually at least three families, so that we could play cards together. Plane? At this time, I only consider ove...
by Sandtrap
Fri Apr 19, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 66
Views: 3747

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

The title says everything. I'm not fully retired, but travel is the thing to which I want to retire. (Your financial situations may also help, if you don't mind). Great question !!!!! I am retired. Been nowhere. Newbie traveller "wanna be" trying to make plans. Where are great places to travel to? ...
by Sandtrap
Fri Apr 19, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 3796

Re: Need vacuum recomendations

My relative has several cats. She tried many brands of vaccum cleaners both cheap and expensive. The best one turned out to be a Shark from Walmart. Exceptional suction, simple design and light to move around. I think this is the model she bought. https://www.walmart.com/ip/Shark-Navigator-Lift-Awa...
by Sandtrap
Fri Apr 19, 2019 8:52 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 7876

Re: This could be the biggest risk that retirees face?

The greatest risk to retirees may be that you'll be too successful The statistics are pretty clear. The greatest risk to retirees is a spending shock. Not a stock market crash or inflation or living too long. There's about a 13% chance that at least one person in a couple will live to be 100. On th...
by Sandtrap
Thu Apr 18, 2019 8:57 pm
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 7876

Re: This could be the biggest risk that retirees face?

The greatest risk to retirees may be that you'll be too successful: “You have to worry about getting unlucky and living to 100,” said Richard Thaler, a Nobel Prize winner in economics, during a Brookings Institution event Thursday. How long you’ll live and how much money you’ll need in retirement a...
by Sandtrap
Thu Apr 18, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6298

Re: What is your hobby and how did it come to be your hobby?

They vary over the years, but canoeing (less whitewater these days), tennis, now learning pickleball, electronics and programming, and lockpicking. Got into canoeing way back through boy scouts. Tennis off and on since high school (not very good), electronics and programming since an early age. I s...
by Sandtrap
Thu Apr 18, 2019 7:02 pm
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 54
Views: 3729

Re: Would you be willing to temporarily change your AA?

Investing Behavior Pitfalls
https://www.bogleheads.org/wiki/Behavioral_pitfalls

The downside is that the losses from potential behavioral reactivity may far outweigh any gains you may make by market timing.
by Sandtrap
Thu Apr 18, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Electric smoker
Replies: 26
Views: 1071

Re: Electric smoker

Only one suggestion based on experience.
Get one that's easy to clean up.
by Sandtrap
Thu Apr 18, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: House with Permanent Wood Foundation - Would You Buy?
Replies: 12
Views: 1061

Re: House with Permanent Wood Foundation - Would You Buy?

Buy it if you are going to keep it.
Don't buy it if you are going to sell it.
by Sandtrap
Thu Apr 18, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to save for a down payment in ~5 years?
Replies: 6
Views: 820

Re: How to save for a down payment in ~5 years?

For a short time frame like 5 years: You must have: 1. Security of Principal (your value will not decrease. zero. nada) 2. Accessibility 3. Liquidity (this means a maximum 5 year CD or Treasury.) You can save toward retirement and also save for the down payment concurrently. It is not either or. The...
by Sandtrap
Thu Apr 18, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Home Page for Your Computer:
Replies: 17
Views: 1119

Re: Home Page for Your Computer:

general news (the summaries are more than enough, keep the noise level low)
allsides.com

or Bogleheads
or Blank
or Morningstar
or whatever last page I was in the middle of and need to continue.
by Sandtrap
Thu Apr 18, 2019 1:46 pm
Forum: Personal Investments
Topic: Private Sector Job or Stay with State Job
Replies: 9
Views: 943

Re: Private Sector Job or Stay with State Job

A
State
10-40 years from now you won't regret it.
The payoff is long term.
by Sandtrap
Thu Apr 18, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 69
Views: 4130

Re: Video Camera to check in on Elderly Parent

Great info on this thread. Will look into the Wyze system. (presently using Arlo but there are occasional dropouts and units need to be reprogrammed) At present we have 6 cameras running in MIL's home. Dementia. 24 hr home care. 96+ age. This is a very important issue. Not only to monitor MIL but ca...
by Sandtrap
Thu Apr 18, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5208

Re: Bogleheads privacy warning

The forum has "show all posts by hornet96" link: https://www.bogleheads.org/forum/search.php?author_id=41214&sr=posts You can even search for when they've said specific things https://www.bogleheads.org/forum/search.php?st=0&sk=t&sd=d&sr=posts&keywords=+pay+zero+taxes&author_id=648 Ouch!!!!! :oops:
by Sandtrap
Thu Apr 18, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3371

Re: Windows 7 end of support - Jan 14, 2020

To borrow a phrase, "they'll have to pry Windows 7 out of my cold, dead hands." Windows 10 is an abomination. +1 All of our office and studio computers run Windows 7. We have several original OS install programs as well. The platform has been stable for many years and we have not needed to upgrade ...
by Sandtrap
Thu Apr 18, 2019 9:09 am
Forum: Personal Investments
Topic: next dollar of savings
Replies: 33
Views: 2565

Re: next dollar of savings

How much accessible "cash or liquid assets" do you have on hand as an Emergency Fund and backup funding? IE: cash, high yield accounts, money market, treasuries, CD's. This added "cushion" is valuable at your stage in life with unanticipated expenses always on the horizon. Having this allows you to ...
by Sandtrap
Thu Apr 18, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6298

Re: What is your hobby and how did it come to be your hobby?

Skiing: Would love to but live in an area without snow. Kungfu: A life long dream is to become a “master” . Probability: low. Video games, TV shows and movies: Entertainment. Reading Bogleheads: Financial fix. Reading books: Should work less, read more. Learning languages: 2.2/8 learned. Inactive/r...
by Sandtrap
Thu Apr 18, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6298

Re: What is your hobby and how did it come to be your hobby?

I am in a transition point in my hobbies as we prepare to leave Hawaii and my kayak is going up for sale in a week or so if anyone is interested :greedy I’ve generally had hobbies that are somewhat regionally aligned, like skiing or cycling which I’ve done off and on my whole life, now I have a cou...
by Sandtrap
Thu Apr 18, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: How to find an engineer to inspect a dam wall
Replies: 23
Views: 1367

Re: How to find an engineer to inspect a dam wall

It sounds like the type of property that's best to stay away from to avoid future liabilities. While things may be fixed now, what about when water levels are very high due to "100 year rains" flooding, etc. Sometimes it's good to listen to the "little voice". :shock: I once bought a property to dev...
by Sandtrap
Wed Apr 17, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 67
Views: 3620

Re: Washing Machine that uses a LOT of Water

I understand that government water restrictions are increasing and that some people are able to get their clothes clean within these restrictions. However, it seems like many consumers are unhappy with their cleaning results, specifically due to the lack of water. Does anyone have any specific reco...
by Sandtrap
Wed Apr 17, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5208

Re: Bogleheads privacy warning

I just entered my username (mikemikemike) into the search bar, and as a result retrieved all of my posts to bogleheads. So, for example, if you post things about your net worth, or the amount of gold coins you have in your home, and someone (say, a hacker) links your name and/or address to your bog...
by Sandtrap
Wed Apr 17, 2019 4:02 pm
Forum: Personal Investments
Topic: Leave a job with a pension?
Replies: 36
Views: 3695

Re: Leave a job with a pension?

How much weight would an employer funded pension have on your decision to leave for another opportunity? My current company matches 4% on the 401k, with a fully funded pension with the following formula (years service X Top year earnings of last 5 X 1%). I am looking into an opportunity that is goi...
by Sandtrap
Wed Apr 17, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 62
Views: 3199

Re: Newbie international traveler

I use a Scwab debit card. Reimbursed ATM fees. However, I am writing this to address security that many people have about their cards. I plan on the approximate amount I will need to withdraw in total per ATM during a trip. I only have about that amount plus a buffer in the account. Should the ATM ...
by Sandtrap
Wed Apr 17, 2019 8:31 am
Forum: Personal Investments
Topic: Why buy a CD with a brokerage firm?
Replies: 17
Views: 1171

Re: Why buy a CD with a brokerage firm?

To me, the value of CD's at a brokerage is that there is no "auto renew" "window", everything goes into the brokerage sweep account. Thus, I don't have to keep track of it.
Also, a wide variety available to me. (diversification of fixed/not just CD's)
Simple.
:D
by Sandtrap
Wed Apr 17, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 100
Views: 5355

Re: What Are Your Simple Pleasures?

Morning coffee (fresh Kona beans shipped from family on the Big Island) :D :D :D
Reading Bogleheads, posting.
Tai Chi-QiQong
Martial Arts w/DW (home dojo)
Photography
Taking a "toy" out for a spin with DW.

Puttering . . . since retiring I've become an expert "putter-er." :D
by Sandtrap
Wed Apr 17, 2019 8:11 am
Forum: Personal Investments
Topic: Family of 4 - Estimate Retirement Expenses
Replies: 16
Views: 879

Re: Family of 4 - Estimate Retirement Expenses

Dear friends, How does one estimate future annual retirement expenses when currently a family of 4 (2 toddlers in daycare, 529s, mortgage, HCOL area, etc.)? Is there a hard and fast rule? Just overestimate using current expenses? Thanks. Based on your specific data given . . . .unknown. A portfolio...
by Sandtrap
Tue Apr 16, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 62
Views: 3199

Re: Newbie international traveler

A couple of things. 1. Unless your credit card issues different numbers for each credit card, I always give my wife one credit card and I keep the other. For awhile I thought I was being ridiculous, then my wife lost her wallet in Belgium. I also make copies of our passport and put them in a cloud ...
by Sandtrap
Tue Apr 16, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Granny Cam
Replies: 8
Views: 1309

Re: Granny Cam

Recent thread on this.
Granny Cam
viewtopic.php?f=11&t=277318
by Sandtrap
Tue Apr 16, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6298

Re: What is your hobby and how did it come to be your hobby?

Your hobby or passion chooses you. Once taken hold you would rather not do Anything else. :sharebeer
Image
by Sandtrap
Tue Apr 16, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: How would you handle work situation?
Replies: 16
Views: 1361

Re: How would you handle work situation?

Goal: listen -- understand. (you can always talk again, leave the door open) I'm glad you wanted to talk to me because I've been thinking it'd be a good thing for us to do. What can I do for you? (what do you want . . . . then listen. . . a lot . . with an open and neutral mind, not about you). Reco...
by Sandtrap
Tue Apr 16, 2019 8:52 am
Forum: Investing - Theory, News & General
Topic: Why does the stock market go up in the long term?
Replies: 62
Views: 4385

Re: Why does the stock market go up in the long term?

I've always held the long term view that it's due to the increase in population, world-wide. More people? More goods and services required, regardless of the current state of economy from developing to fully developed countries. I'm a simple person and therefore think in simple solutions :wink: ......
by Sandtrap
Tue Apr 16, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 62
Views: 3199

Re: Newbie international traveler

Good stuff!!!
Mahalo!
j :D
by Sandtrap
Tue Apr 16, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 62
Views: 3199

Re: Newbie international traveler

I use a Scwab debit card. Reimbursed ATM fees. However, I am writing this to address security that many people have about their cards. I plan on the approximate amount I will need to withdraw in total per ATM during a trip. I only have about that amount plus a buffer in the account. Should the ATM ...
by Sandtrap
Tue Apr 16, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9639

Re: seriously thinking about leaving S. CA but where to?

Charleston, South Carolina. Beautiful city, tons of restaurants and culture, good weather (although not Southern California good) and right on the water. It does get the sporadic hurricane but usually they stay further south I believe. Nope, Charleston has no-see-ums (biting bugs). OP didn't mentio...
by Sandtrap
Tue Apr 16, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9639

Re: seriously thinking about leaving S. CA but where to?

I live within a mile of Scottsdale. Great quality of life and low crime. The only downside is the summer heat. A lot of people establish a residency in Scottsdale and buy/rent a condo in San Diego, Orange County, etc. for the summers to escape the heat and CA taxes. Others get a second place in Fla...
by Sandtrap
Tue Apr 16, 2019 8:23 am
Forum: Personal Investments
Topic: $1.1 million rental portfolio, but tired of being a landlord
Replies: 86
Views: 10144

Re: $1.1 million rental portfolio, but tired of being a landlord

I own 9 rental properties + 1 full time airbnb property and net about $100K/year in rental income. I self manage....except for 2 recent buys I just bought. I've always self managed...for 7 years. I don't mind dealing with the riff-raff. My plan is to do it for 10 more years and sell off then. I act...
by Sandtrap
Tue Apr 16, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 62
Views: 3199

Re: Newbie international traveler

In Germany, you'll need cash outside of really nice restaurants and hotels. Since I tend not to eat at very nice restaurants, I need lots of cash. I have used my Fidelity CMA card to get cash overseas dozens of times. They did shut off my card twice. So: 1) make sure you call to set a travel notifi...
by Sandtrap
Mon Apr 15, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 62
Views: 3199

Re: Newbie international traveler

In Germany, you'll need cash outside of really nice restaurants and hotels. Since I tend not to eat at very nice restaurants, I need lots of cash. I have used my Fidelity CMA card to get cash overseas dozens of times. They did shut off my card twice. So: 1) make sure you call to set a travel notifi...
by Sandtrap
Mon Apr 15, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 62
Views: 3199

Re: Newbie international traveler

You might find a lot of info from experienced Bogle Travelers on this thread posted by a newbie traveller.
viewtopic.php?f=11&t=270281&hilit=travel

the tips for pickpocket proof clothing are great
also
"pacsafe" backpacks are amazing.
by Sandtrap
Mon Apr 15, 2019 8:24 pm
Forum: Personal Investments
Topic: $1.1 million rental portfolio, but tired of being a landlord
Replies: 86
Views: 10144

Re: $1.1 million rental portfolio, but tired of being a landlord

Dude, just hire a property manager. I also have 1.1 million in property (but not free/clear). Property managers all around. I just collect a check every month. It's not so easy to hire a good property manager. Some managers are really bad and will put any tenant that they can get their hands on int...
by Sandtrap
Mon Apr 15, 2019 8:07 pm
Forum: Personal Investments
Topic: $1.1 million rental portfolio, but tired of being a landlord
Replies: 86
Views: 10144

Re: $1.1 million rental portfolio, but tired of being a landlord

Sell all of your properties and stop being a landlord if you are tired of being a landlord. That includes hiring a management company, which will eat into your profits, and you are still a landlord, though delegated. You do not have to do it all at once. Take your lowest earning properties and sell ...
by Sandtrap
Mon Apr 15, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9639

Re: seriously thinking about leaving S. CA but where to?

Personally I like Scottsdale, AZ. Little rain, few weather hazards (maybe a dust storm), mostly within 20-30 minutes of an airport, good restaurants, resort type lifestyle (good or bad depending on your view), lots of sports stuff going on. No beaches but there are a lot of lakes no far away. I was...