Search found 1760 matches

by Sandtrap
Sun Oct 22, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 894

Re: Shedding Trees

In Hawaii, you "want" your neighbor's mango tree to overhang your property, and his guava tree, and his lychee tree :D By law, the fruit of the tree belongs to the owner of the tree. Even if it overhangs in your yard. Local laws and courts vary on who can eat the fallen fruit. Fallen fruit? Heck, i...
by Sandtrap
Sun Oct 22, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 20
Views: 600

Re: Installing a slide inside a home?

If the building department gets into it, probably a huge thing. Then, possibly, homeowners insurance. Think, dumbwaiter, elevators, etc. Liability issues? Huge. Your children. Friends. Et al. Because there is no precedent. IE: swing set in the backyard. Trampoline in the back yard surrounded by nett...
by Sandtrap
Sun Oct 22, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 22
Views: 1303

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

Thanks! In terms of seeming "obtuse or presumptive" - not at all! You're being straightforward without being *as-a-matter-of-factly* about it, which I appreciate. I'm just trying to clear things up because I'm essentially hearing two sides of the story: one where my neighbor is fully "liable" even ...
by Sandtrap
Sun Oct 22, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 894

Re: Shedding Trees

Putting aside the danger of cottonwoods to your home structure i guess in my mind it isn’t unreasonable to have trees in your yard, and with trees you are going to have leaves falling and blowing in other peoples yard. Seems to me that is part of the deal. Overall having trees in the neighborhood g...
by Sandtrap
Sun Oct 22, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: What is the best thing to use to hang pictures?
Replies: 19
Views: 736

Re: What is the best thing to use to hang pictures?

I strongly endorse Hercules hooks. I have every single item on my wall hung with these and have never had a single item fall or any trouble at all. Super simple to use and extremely strong. HERCULES HOOK WALL HANGER https://www.amazon.com/dp/B001420MVU/ref=cm_sw_r_sms_tai_3ep7zbE8GNRKW I second the...
by Sandtrap
Sun Oct 22, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on starting a Portfolio
Replies: 3
Views: 104

Re: Advice on starting a Portfolio

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://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Bogleheads®_investing_start-up_kit ...
by Sandtrap
Sun Oct 22, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 22
Views: 1303

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

I've been hearing more and more that the basis of her liability (including me being able to reclaim the deductible) will stem from whether or not she was found negligent. It doesn't matter if water came from her unit because of a leak and caused extensive damage to mine - what matters is if she kne...
by Sandtrap
Sun Oct 22, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Bond advise please
Replies: 9
Views: 373

Re: Bond advise please

Hello all started investing recently - my situation ? I am currently investing on VGHCX 5 % , Vanguard total stock market ( VTSAX ) 65 % , and vanguard international stock 30 % ( VTIAX ). I want to mix 25 % my portfolio in Bonds. I studied two of these closely : VWLEX ( wellington ) which is 30 % i...
by Sandtrap
Sun Oct 22, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Renting A Winter Escape For A Month
Replies: 6
Views: 451

Re: Renting A Winter Escape For A Month

I see that airbnb offers weekly and monthly discounts and fairly reasonable for a room in a shared house. I'm starting to wonder about couchsurfing at this point :x Maybe there will be some last minute deals? Or maybe a less desirable warm destination. Maybe warm"er" but not so warm might be more a...
by Sandtrap
Sun Oct 22, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Most reliable water shutoff valves? Plumbing question.
Replies: 18
Views: 1323

Re: Most reliable water shutoff valves? Plumbing question.

Yes. The Sharkbite's do well with both copper and Plex tubing. But, for the old school, sweated on is forever. Which is why most plumbers still sweat fittings. No callbacks. Also, the Sharkbite fittings are indeed pricey. There are also crimp ons but the tools are pricey. Also, compression. I did a...
by Sandtrap
Sun Oct 22, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Renting A Winter Escape For A Month
Replies: 6
Views: 451

Re: Renting A Winter Escape For A Month

What is the best way to rent a place for an extended period and get a better rate? Most places charge excessive daily rates or want you to sign a year lease. I'm assuming airbnb or vrbo have better rates the longer you stay? Say a place in Southern Florida or Arizona for example. There are monthly ...
by Sandtrap
Sun Oct 22, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 894

Re: Shedding Trees

If things go really bad you can have an attorney send a letter summarizing the problem and then holding the neighbor liable for severe damages such as large limbs falling on your fence, porch, roof, or people. The letter doesn't require anything on the neighbor's part but puts them on notice where ...
by Sandtrap
Sun Oct 22, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Directed Trustees
Replies: 5
Views: 198

Re: Directed Trustees

You may also consider a trust company in your area. That way there's more physical contact and personal familiarity with family and trust dynamics. For example: in Hawaii, I looked into Bishop Trust company, Bank of Hawaii Trust department, and so forth. Besides the numbers, I was looking for a clos...
by Sandtrap
Sun Oct 22, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Best bathroom fan choice?
Replies: 14
Views: 474

Re: Best bathroom fan choice?

My timers have 15, 30, 60 minute buttons. So that the bathroom can continue to exhaust moisture and smells long after the user is gone. This also makes sure there isn't moist air sitting in the exhaust run, subject to condensation. If the run is longer, moisture condensing can create a little mold ...
by Sandtrap
Sun Oct 22, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Best bathroom fan choice?
Replies: 14
Views: 474

Re: Best bathroom fan choice?

My timers have 15, 30, 60 minute buttons. So that the bathroom can continue to exhaust moisture and smells long after the user is gone. This also makes sure there isn't moist air sitting in the exhaust run, subject to condensation. If the run is longer, moisture condensing can create a little mold ...
by Sandtrap
Sun Oct 22, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Best bathroom fan choice?
Replies: 14
Views: 474

Re: Best bathroom fan choice?

Another consideration is to put a timer on the fan switch to continue to exhaust fumes after the bathroom is used. Sort of like in some store restaurants. My timers have 15, 30, 60 minute buttons. So that the bathroom can continue to exhaust moisture and smells long after the user is gone.
by Sandtrap
Sun Oct 22, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Who does the portfolio reviews and why?
Replies: 15
Views: 578

Re: Who does the portfolio reviews and why?

One advantage of this forum is getting people who have different ways of explaining something or a different picture of how something works. One or another of those comments will be useful to a person asking. Also some people have a knack of stating something in a way remarkably direct to the point...
by Sandtrap
Sun Oct 22, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Best bathroom fan choice?
Replies: 14
Views: 474

Re: Best bathroom fan choice?

I went over tons of exhaust fan reviews when remodeling 4 bathrooms and bought the most powerful and "quietest" fans I could get. This is one place where scrimping was not worth it. The lights in all the fan units I looked at were inadequate so I ended up wiring new light fixtures in. That was well...
by Sandtrap
Sun Oct 22, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 894

Re: Shedding Trees

If things go really bad you can have an attorney send a letter summarizing the problem and then holding the neighbor liable for severe damages such as large limbs falling on your fence, porch, roof, or people. The letter doesn't require anything on the neighbor's part but puts them on notice where ...
by Sandtrap
Sun Oct 22, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Best bathroom fan choice?
Replies: 14
Views: 474

Re: Best bathroom fan choice?

I went over tons of exhaust fan reviews when remodeling 4 bathrooms and bought the most powerful and "quietest" fans I could get. This is one place where scrimping was not worth it. The lights in all the fan units I looked at were inadequate so I ended up wiring new light fixtures in. That was well ...
by Sandtrap
Sun Oct 22, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Who does the portfolio reviews and why?
Replies: 15
Views: 578

Re: Who does the portfolio reviews and why?

It's all voluntary. There's no system. No payment. Just gratification and sharing. "Portfolio reviews" are above my "pay grade". But, as a retired R/E developer/businessman, I'll share what I can. Overall, I learn more and get more out of the forum that i could ever give back. And, enjoy the gratifi...
by Sandtrap
Sun Oct 22, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Within your context: Do you consolidate a fund when it is 5% or less of total funds/investments and why?
Replies: 19
Views: 725

Re: Within your context: Do you consolidate a fund when it is 5% or less of total funds/investments and why?

Thanks for the link, "Taylor".
Always look forward to your input.
"Simplicity". . .. read. . internalized. . . digested. . . :D
by Sandtrap
Sun Oct 22, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: What is the best thing to use to hang pictures?
Replies: 19
Views: 736

Re: What is the best thing to use to hang pictures?

Assuming you have walls made of drywall...the best thing to use to hang anything safely is a dry wall anchor of some sort. Imo, this is overkill for nearly all picture-hanging. They leave a giant hole or look terrible if you try to paint over. (I can patch but can't match the original wall texture ...
by Sandtrap
Sun Oct 22, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: What is the best thing to use to hang pictures?
Replies: 19
Views: 736

Re: What is the best thing to use to hang pictures?

Our home looks like an art gallery. Some of the pictures are quite heavy. We are always hanging new pictures or moving things around. For drywall we use these. They come in different weight sizes. 10 lb picture hangers, link to Amazon. https://www.amazon.com/gp/product/B01LYNUDNH/ref=oh_aui_search_d...
by Sandtrap
Sun Oct 22, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 894

Re: Shedding Trees

My sympathies. I had 4 cottonwood trees in my yard when I purchased my house. I had them removed. Cottonwood trees are notoriously short lived and prone to falling in storms. I would be concerned that some time in the future these trees will fall over. Often these trees are planted by land develope...
by Sandtrap
Sun Oct 22, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 894

Re: Shedding Trees

My sympathies. I had 4 cottonwood trees in my yard when I purchased my house. I had them removed. Cottonwood trees are notoriously short lived and prone to falling in storms. I would be concerned that some time in the future these trees will fall over. Often these trees are planted by land develope...
by Sandtrap
Sun Oct 22, 2017 1:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Jack, Taylor and Mel!!
Replies: 18
Views: 1233

Re: Thank you Jack, Taylor and Mel!!

Thanks to everyone.
AFAIK there is no other forum and deep well of experience and unselfish sharing than this one.
I hope to make it to Bogleheads 2018.
by Sandtrap
Sun Oct 22, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 95
Views: 7978

Re: how long did it take to get used to retirement

This is a fascinating thread with much to share and learn from. Humorously and very very inaccurately: Diehard Bogleheads retire seamlessly because everything is wisely planned and on a spreadsheet. Employed professionals can't wait to leave, have it all planned out, 401K's/pension in place, enter r...
by Sandtrap
Sun Oct 22, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Drum sets?
Replies: 9
Views: 289

Re: Drum sets?

The higher end digital drum sets are getting better and better. Also, with headphones, one can hear tracks of songs or drills to play along with to help learning. Did this with my son when he was a youngling.
by Sandtrap
Sun Oct 22, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: 1031 exchange for selling rental, building ADU at existing OO property?
Replies: 4
Views: 213

Re: 1031 exchange for selling rental, building ADU at existing OO property?

You are correct. You have to be buying "new" not improving old. Also you have to plan it out kind of ahead of time because you can't take possession of the funds in order to do an "exchange" oh and the exchange has to be higher in value or you have to pay taxes on the part that isn't +1 Thanks for ...
by Sandtrap
Sun Oct 22, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 162
Views: 42520

Re: Time to reach 1M and 2M milestones

It took me 13 years of working and investing to reach $1m and another 4 years from there to hit $10m but I am an entrepreneur so it is all about high risk and high reward. That's amazing. Congratulations. :sharebeer It took me 4 decades. Probably easier if I were smarter. Hard long road: businessma...
by Sandtrap
Sun Oct 22, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Most reliable water shutoff valves? Plumbing question.
Replies: 18
Views: 1323

Re: Most reliable water shutoff valves? Plumbing question.

I I would get a different plumber, if yours insists on installing globe valves. Or learn to sweat pipe yourself. Like other home repair skills, it seems like a mysterious thing until you spend a couple hours reading and watching YouTube videos, and then you learn it's a pretty simple process. DIYer...
by Sandtrap
Sun Oct 22, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Most reliable water shutoff valves? Plumbing question.
Replies: 18
Views: 1323

Re: Most reliable water shutoff valves? Plumbing question.

I dunno what the plumbing topology is, but if there was any way while the water is off anyway to add a cutoff valve(s) so you can isolate just your plumbing while the water is off, that would make future plumbing escapades much easier to deal with. Yes. Locate a place where there is easy access in ...
by Sandtrap
Sun Oct 22, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Within your context: Do you consolidate a fund when it is 5% or less of total funds/investments and why?
Replies: 19
Views: 725

Re: Do you consolidate a fund when it is 5% or less of total funds/investments and why?

avalpert wrote:
Sun Oct 22, 2017 10:43 am
Context is everything - blanket statements like this without it are meaningless.

In some circumstances it may make sense to consolidate and in some it may not.
Your are absolutely correct.
I have specified the post to help others.
mahalo
:D
by Sandtrap
Sun Oct 22, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: After Market Beta’s Long Run Do you Consider Diversifying Into Other Factors?
Replies: 16
Views: 819

Re: After Market Beta’s Long Run Do you Consider Diversifying Into Other Factors?

Steady as she goes, I have not made major changes to my portfolio. I keep harvesting gains from my US Stocks in small increments and have allowed my International Stock allocation to drift upwards. I keep adding to bonds in small increments as I sell US Stocks. So my allocation to stocks remains at...
by Sandtrap
Sun Oct 22, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund "share price"
Replies: 22
Views: 771

Re: Mutual Fund "share price"

I am most likely reading your question incorrectly but here goes. I have noticed in talking to investing newbies with limited funds that there is a concern about 'how many shares" they can buy with their limited funds. I think there's a grasp of the "funds" at that level as similar to walking into a...
by Sandtrap
Sun Oct 22, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 48
Views: 2418

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

I hate to be the bearer of bad news, but for where you are at in your life, I’d sell the Porsche and keep driving the Mazda 3 as a daily driver. Invest the money you save and buy your dream car in your 50’s when your kids are older and you can afford to be less practical again. The problem with a 6...
by Sandtrap
Sun Oct 22, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Within your context: Do you consolidate a fund when it is 5% or less of total funds/investments and why?
Replies: 19
Views: 725

Within your context: Do you consolidate a fund when it is 5% or less of total funds/investments and why?

I have often heard it advised to consolidate a fund if it is 5% or less of the total investment portfolio. I'm in the process of streamlining my funds. I understand combining funds where there is considerable overlap to reduce redundancy, but that is addresses another aspect. Thanks everyone for you...
by Sandtrap
Sun Oct 22, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Is my rental property worth keeping?
Replies: 28
Views: 1677

Re: Is my rental property worth keeping?

it's on the low end of acceptable but not terrible. I have kept a similar property (ie earns about 0.55% per month) but mine is a much smaller percentage of my net worth. Thanks for the response letsgobobby. I hear all the time about people making a huge profit in terms of rent, but did not find th...
by Sandtrap
Sat Oct 21, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: Investing videos in Chinese (Cantonese)
Replies: 4
Views: 366

Re: Investing videos in Chinese (Cantonese)

Thank you so much for sharing. j Some helpful links: Thank you sandtrap! (You do have some broken links in there though!). The biggest problem with what's already on this website is that everything is in English! We need guides written in other languages! Thanks, I'll double check and fix the links...
by Sandtrap
Sat Oct 21, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Just starting checking out Bonds. Head hurts a bit.
Replies: 12
Views: 1248

Re: Just starting checking out Bonds. Head hurts a bit.

randomizer wrote:
Sat Oct 21, 2017 5:20 pm
Swedroe has an amazing book on bonds. You should check it out once you've done some initial reading on the wiki.
+1
Also, "The Bond Book" by Annette Thau
https://www.amazon.com/gp/product/00716 ... UTF8&psc=1
by Sandtrap
Sat Oct 21, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Investing videos in Chinese (Cantonese)
Replies: 4
Views: 366

Re: Investing videos in Chinese (Cantonese)

Thank you so much for sharing. j 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://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Bo...
by Sandtrap
Sat Oct 21, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Link to Peter Bernstein the 60/40 solution full article
Replies: 8
Views: 844

Re: Link to Peter Bernstein the 60/40 solution full article

Thanks for a wonderful article, Taylor.
All 3 pages come up fine on my MacBookPro.

j
by Sandtrap
Sat Oct 21, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Strategy
Replies: 20
Views: 1534

Re: Emergency Fund Investment Strategy

Whether you sleep at night is a personal question no one can answer for you except maybe your spouse. Whether the strategy works or not is another matter. I don't see how it wouldn't work. I do 50/50 equities/bonds. I know I need x dollars to survive for 12 months. As long as that amount is availab...
by Sandtrap
Sat Oct 21, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 22
Views: 1303

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

Your insurance is covering everything except the $500 deductible.
You are trying to get the homeowner, or their insurance company in turn, to reimburse you the $500 deductible.
The above property is in escrow. Soon the owner will be gone.
Is this correct?
by Sandtrap
Sat Oct 21, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 4020

Re: Desperate to get rid of mosquitoes, what else could we try?

It might help to understand whether this is a problem affecting your entire town, neighborhood, or very localized to your lot. If the entire area is seeing different weather patterns (rain, wind, heat) you might be facing an uphill battle much more so than if its very localized. Very true. On the w...
by Sandtrap
Sat Oct 21, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 120
Views: 8132

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I would think anyone smart enough to amass north of $1million would not need an advisor. Unless the $$$ were inherated or obtained in a similar way. investor. There are exceptions, of course. I know many a self made millionaire who is lost in the world of investment finance. In particular, I know o...
by Sandtrap
Sat Oct 21, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 120
Views: 8132

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I would think anyone smart enough to amass north of $1million would not need an advisor. Unless the $$$ were inherated or obtained in a similar way. investor. There are exceptions, of course. I know many a self made millionaire who is lost in the world of investment finance. In particular, I know o...
by Sandtrap
Sat Oct 21, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 120
Views: 8132

Re: Does anyone here with net worths north of $1 mil use financial advisors?

stemikger wrote:
Sat Oct 21, 2017 3:18 pm
Nope! The Bogleheads are my FA.

But seriously Vanguard makes it very easy for a DIY investor.
+1
Absolutely :D