Search found 5646 matches

by Sandtrap
Sat Jan 19, 2019 3:16 pm
Forum: Investing - Theory, News & General
Topic: So when do you sell?
Replies: 25
Views: 2062

Re: So when do you sell?

Toons wrote:
Sat Jan 19, 2019 11:40 am
I rarely sell shares.
I enjoy the dividends and capgains they payout.
Heirs will receive shares.
:happy
+1
My Hares
Image
by Sandtrap
Sat Jan 19, 2019 11:12 am
Forum: Investing - Theory, News & General
Topic: So when do you sell?
Replies: 25
Views: 2062

Re: So when do you sell?

If you don't need the money, do you just hold onto your investments for years until you die then pass them on to your heirs if you have them? Assuming we continue to not need or want to spend the money, I am thinking that we will begin distributing some to our children when we have RMDs and/or when...
by Sandtrap
Sat Jan 19, 2019 11:10 am
Forum: Investing - Theory, News & General
Topic: So when do you sell?
Replies: 25
Views: 2062

Re: So when do you sell?

If you don't need the money, do you just hold onto your investments for years until you die then pass them on to your heirs if you have them? Do heirs receive taxable account investments on a step-up basis, or is that just Roth IRAs (forgive me I know little about the tax efficiency of bequeathment...
by Sandtrap
Fri Jan 18, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Is the security check website "Have I Been Pwned?" legit?
Replies: 28
Views: 3668

Re: Is the security check website "Have I Been Pwned?" legit?

And they're collecting information from you that could be a) hacked in the future or b) could be sold in the future. Read their privacy policy, and note what cookies they try to place on your computer. This is what I am concerned about. Thanks. j :happy Nothing worth being concerned about, since yo...
by Sandtrap
Fri Jan 18, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: How to clean DSLR camera lens?
Replies: 9
Views: 520

Re: How to clean DSLR camera lens?

1. Air: Rubber Blower (Rocket Blower), or canned air. If canned air, do not let the solvent get on the glass (usually caused by can position or too strong too fast). (Do not put a rubber "Rocket Blower" in your carry-on luggage if traveling :shock: ) 1b. Lightly use a lens brush. Very lightly. You c...
by Sandtrap
Fri Jan 18, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Is the security check website "Have I Been Pwned?" legit?
Replies: 28
Views: 3668

Re: Is the security check website "Have I Been Pwned?" legit?

RickBoglehead wrote:
Fri Jan 18, 2019 9:17 am
And they're collecting information from you that could be a) hacked in the future or b) could be sold in the future. Read their privacy policy, and note what cookies they try to place on your computer.
This is what I am concerned about.
Thanks.
j :happy
by Sandtrap
Fri Jan 18, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Is the security check website "Have I Been Pwned?" legit?
Replies: 28
Views: 3668

Is the security check website "Have I Been Pwned?" legit?

I have recently been told about a email security website check website called: "Have I Been Pwned?" Is it legitimate? Thoughts? Here is a link to Wikipedia talking about the website: haveibeenpwned (wikipedia link with definition) I have not included a live link to the website: "Have I been Pwned?" ...
by Sandtrap
Thu Jan 17, 2019 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Good idea? Rent out current home after paid off
Replies: 20
Views: 980

Re: Good idea? Rent out current home after paid off

Great points all! I’m thinking we might be better served by by staying in our current home with no mortgage and investing in a CA bond index fund. Or, if we want to buy a new home, using the principle from the old home to pay off more of the new home mortgage. I don’t want any hassle![ With this in...
by Sandtrap
Thu Jan 17, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7039

Re: How much house can I afford (really)?

Something to consider if you should take on more debt or focus on your retirement savings until you are in a better financial position that is, perhaps, not quite so tenuous. FIDELITY CHART/ARTICLE – ARE YOU ON TRACK TO RETIRE? https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-ret...
by Sandtrap
Wed Jan 16, 2019 8:56 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 836
Views: 42358

Re: John Bogle is dead at 89

Aloha Menemene
. . . A Hui Hou . . .
jim
by Sandtrap
Tue Jan 15, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a trustee
Replies: 46
Views: 3266

Re: Choosing a trustee

Some of these requirement can only be provided by a close friend or relative. Unreasonable to expect the personal knowledge of a corporate trustee. If you are lucky enough to have a good individual to serve as trustee, that person can enlist an attorney to interpret the trust instruments and laws. ...
by Sandtrap
Tue Jan 15, 2019 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. CDs
Replies: 31
Views: 1879

Re: Bonds vs. CDs

I've been searching the net for various debates on this, and a few of those googles have brought me here (great site!). I've seen some threads debate "bonds suck" and the like here and elsewhere, but I'm looking for some help in convincing myself one way or another on bond fund investing vs. buying...
by Sandtrap
Mon Jan 14, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: golf clubs
Replies: 17
Views: 1365

Re: golf clubs

1. Lessons from a PGA pro to establish consistency (if not already). 2. Get fitted by a pro. IE: Ping, Titleist, etc. 3. Best quality you can afford. 4. Like a great pair of shoes, a set of golf clubs that "fits you" will last for many decades depending on frequency of play. And, help your game. Th...
by Sandtrap
Mon Jan 14, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: golf clubs
Replies: 17
Views: 1365

Re: golf clubs

Any thoughts on best value in buying new golf clubs? 1. Lessons from a PGA pro to establish consistency (if not already). 2. Get fitted by a pro. IE: Ping, Titleist, etc. 3. Best quality you can afford. 4. Like a great pair of shoes, a set of golf clubs that "fits you" will last for many decades de...
by Sandtrap
Mon Jan 14, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2040

Re: Taking expensive DSLR on kayak?

No, I would not. I would bring my G5X and carry it in a dry bag or Pelican case. It has a f/1.8 24 - 100 mm equiv lens, 20 Megapixel, yada-yada-yada. I'd leave my dSLR and L lenses at home. +1 Unless you are taking the shots professionally for $$$$ where the resolution and image quality will be scr...
by Sandtrap
Mon Jan 14, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12633

Re: Recommendations for a 9mm handgun

Read all the responses, nice to see lots of great and varied advice. Based on the reading I'm changing my recommendation for a first gun for a new shooter from a Glock semi-auto pistol to instead suggest purchasing and learning on a high quality 6 shot .38 caliber revolver. Having owned and trained...
by Sandtrap
Sun Jan 13, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1082

Re: Tips for online photography course?

1 Some of the most educating, fun, and often challenging, ways to learn photography; technical basics, techniques, and, hopefully, the "art of seeing", is to work or have fun with professional photographers from various genres. Taking courses and meeting other photographers is a great thing to do. A...
by Sandtrap
Sun Jan 13, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4286

Re: How do I stop jeans from ripping in the thighs?

Does anybody have had this problem and wants to share a great fix to prevent or at least minimize wear and tear on Jeans. It always happens to me after a year of wearing and I don't like to through Jeans out which are still intact expect the inner thighs region. Any tips? Every problem is an opport...
by Sandtrap
Sat Jan 12, 2019 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Real estate as part of overall investment plan
Replies: 37
Views: 2604

Re: Real estate as part of overall investment plan

I was wondering how many of you have real estate investments outside of stock investing? I am reading up on the basics of real estate investing and I feel that this could be a good way to diversify my overall portfolio and create a passive income stream. I'm a little concerned about making a "mista...
by Sandtrap
Sat Jan 12, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Elliptical recommendation under 2k
Replies: 13
Views: 752

Re: Elliptical recommendation under 2k

Sole E35 Eliptical.
Have had it for 8 years.
Runs smooth. No problems. Very solid.
https://smile.amazon.com/SOLE-Fitness-E ... se+machine
by Sandtrap
Fri Jan 11, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 90
Views: 10182

Re: Millionaire by 40 and How you Did it?

Examples that I have known personally. 1. Dual "gov't" or professional income. Early home purchase in UHCOL area of high appreciative value. Factors: steady income, avoidance of bad financial behavior and black swans, rapid rise of home equity. 2. Business owners with a combination of high cash flow...
by Sandtrap
Fri Jan 11, 2019 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11176

Re: Biggest Investment Mistake - In R/E, etc. - Lessons

Bought an undeveloped 180 degree ocean view lot on a very high hillside hoping to build and flip. Sitework costs were substantial. Eventually sold and recovered my costs, barely. Lesson: stick with what you know best and have a successful track record. Best investment decisions: Liquidate substantia...
by Sandtrap
Thu Jan 10, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5517

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Yep. :happy
kids came out fine.

2 door Datsun B-210
Toyota Corolla Station Wagon
Pontiac Sunfire Station Wagon
Ford Focus Station Wagon
Image
by Sandtrap
Thu Jan 10, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9721

Re: Disciplined with finances, but not so with diet

Weight loss/gain = A combination of "what" you eat and "how much" (portion control) you eat. First: substitute healthy food for unhealthy food. (high cost vs low cost. . meaning price you pay for eating it in terms of health) Second: learn to eat the proportions of food that are good for you vs bing...
by Sandtrap
Thu Jan 10, 2019 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with all this money?
Replies: 8
Views: 1757

Re: What to do with all this money?

This first: MANAGING A WINDFALL https://www.bogleheads.org/wiki/Managing_a_windfall Then this: GETTING STARTED https://www.bogleheads.org/wiki/Getting_started Within the context of doing this: Asking Portfolio Questions (portfolio review and input) https://www.bogleheads.org/forum/viewtopic.php?f=1&...
by Sandtrap
Thu Jan 10, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: resources about a rental property business
Replies: 4
Views: 483

Re: resources about a rental property business

You are right to be "wary". Be careful at the "Bigger Pockets" site. There's some solid info based on long experience, and not so solid based on nothing. Reading the fundamentals on various books are great as long as you avoid the "schemes", Kiyosaki, Rich Dad Poor Dad, How to make money or get rich...
by Sandtrap
Thu Jan 10, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6076

Re: Building Wealth Through Home Equity--Myth or Reality?

Wealth through Home (or other R/E) Equity = Reality . . . sort of. 1. Location. (normally HCOL or UHCOL or stratospheric COL) 2. Area economics and trends. 3. Supply and demand . . . . and increasing demand. 4. Limited quantity. 5. Funds and income available to "play the game". 6. Timing. 7. Luck. O...
by Sandtrap
Thu Jan 10, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6076

Re: Building Wealth Through Home Equity--Myth or Reality?

Home equity has traditionally been the only way to get people to not spend every cent they make. Unfortunately, being able to pull equity out has become very easy, so even that no longer keeps many families above water. So in a "Leave it to Beaver" world, where the family buys a home and pays until...
by Sandtrap
Thu Jan 10, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does The Bucket Approach Destroy Wealth?
Replies: 56
Views: 5788

Re: Larry Swedroe: Does The Bucket Approach Destroy Wealth?

Thanks for sharing. I very much doubt that you were alone in your fear. That's why I believe that the bucket approach may be preferable to some. If it enables them to avoid panic selling, then it's probably better than a fixed AA. There is also the Taylor Larimore withdrawal method. In good years, ...
by Sandtrap
Thu Jan 10, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Purchased rentals, spent savings and now I am worried about debt
Replies: 19
Views: 2974

Re: Purchased rentals, spent savings and now I am worried about debt

:sharebeer Okay. Time to put on your "professional business person's hat". 1. Make a plan to payoff debt incrementally. Higher interest first. And do this as quick as possible without jeopardizing: Emergency Funds (personal), Operating Capital (business), and cash reserves (business. So: IE: HELOC,...
by Sandtrap
Wed Jan 09, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does The Bucket Approach Destroy Wealth?
Replies: 56
Views: 5788

Re: Larry Swedroe: Does The Bucket Approach Destroy Wealth?

There are some interesting nuggets in this paper that a make it worth the read—especially for additional metrics to use when evaluating Monte Carlo Simulations. My current tool for these simulations is the Flexible Retirement Planner (FRP) but I don’t think it can answer some of the questions highl...
by Sandtrap
Wed Jan 09, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Purchased rentals, spent savings and now I am worried about debt
Replies: 19
Views: 2974

Re: Purchased rentals, spent savings and now I am worried about debt

Okay. Time to put on your "professional business person's hat". 1. Make a plan to payoff debt incrementally. Higher interest first. And do this as quick as possible without jeopardizing: Emergency Funds (personal), Operating Capital (business), and cash reserves (business. So: IE: HELOC, high intere...
by Sandtrap
Wed Jan 09, 2019 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Short-Mid Term Agency / Corporate Bonds VS CD, Treasuries, Muni's, etc?
Replies: 3
Views: 296

Re: Thoughts on Short-Mid Term Agency / Corporate Bonds VS CD, Treasuries, Muni's, etc?

I use them, specifically VCSH and SPAB which are short-term corporate bond index funds. I have posted before about how to time the switching between these and an intermediate-term bond fund like BND, AGG, and SPAB. Thanks. Read a couple of your past posts on that. Thoughts on individual corporate o...
by Sandtrap
Wed Jan 09, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3143

Re: Car Battery

Battery Minder and desulfate/
Have been using many of these for decades.
https://smile.amazon.com/dp/B005EKY20K/ref=dp_prsubs_1
by Sandtrap
Wed Jan 09, 2019 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Short-Mid Term Agency / Corporate Bonds VS CD, Treasuries, Muni's, etc?
Replies: 3
Views: 296

Thoughts on Short-Mid Term Agency / Corporate Bonds VS CD, Treasuries, Muni's, etc?

For diversification on the fixed side of the portfolio,

what are your thoughts on Short to Mid Term Agency/Corporate Bonds?
(As an alternative or addition to CD's, Treasuries, Muni's, etc)

1 year?

2-3 year?

IE: Secondary market corporate bonds, rated Baa ??
by Sandtrap
Tue Jan 08, 2019 11:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: The quest is the quest – the emotional letdown of winning the game.
Replies: 24
Views: 2455

Re: The quest is the quest – the emotional letdown of winning the game.

After spending decades accumulating wealth, trying various financial strategies – sometimes succeeding, sometimes coming up short – we have now entered retirement. We have an IPS. Cash flow is well defined for the next decade. After that (if we are still alive), the only problem is figuring out how...
by Sandtrap
Tue Jan 08, 2019 10:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 553
Views: 60561

Re: U.S. stocks continue to soar!

Markets up smartly again today. Hopefully this thread doesn't jinx the rally. :wink: +1 (Clicking heels together. . . . eyes closed . . repeat. . ) :shock: "This thread will not jinx the rally. . . this thread will not jinx the rally . . . this thread will not . . " Are you wearing the ruby slipper...
by Sandtrap
Tue Jan 08, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: It was a dip. Did you notice? The December drop is over.
Replies: 51
Views: 6853

Re: It was a dip. Did you notice? The December drop is over.

Some context for the "December Dip/Drop" in a bigger picture.
VBIAX Vanguard Balanced Index Fund over the past 12 months. :|

Image
Image
by Sandtrap
Tue Jan 08, 2019 9:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 553
Views: 60561

Re: U.S. stocks continue to soar!

nedsaid wrote:
Mon Jan 07, 2019 1:47 pm
Markets up smartly again today. Hopefully this thread doesn't jinx the rally. :wink:
+1
(Clicking heels together. . . . eyes closed . . repeat. . ) :shock:

"This thread will not jinx the rally. . . this thread will not jinx the rally . . . this thread will not . . "
by Sandtrap
Tue Jan 08, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 3018

Re: Expensive DSLR through airport security

Regularly travel with professional photo gear. Backpack with several Full Frame Bodies, "L" zooms and primes, etc $$$$$$$$. Goes through the scanner. No problem. One "Huge" Caution. The "Rubber Rocket Blower" air blowers look like ordinance in the TSA Scanner. Absolutely do not put it in your carry ...
by Sandtrap
Tue Jan 08, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12633

Re: Recommendations for a 9mm handgun

1. Go to the local indoor/outdoor shooting range. 2. Sign up for a Basic, Int, Adv. safety, handling, defense, and marksmanship course. Consider a CCW course later if needed. 3. Many indoor ranges have rentals where you can try out various firearms. Strongly suggest this. 4. Education and training. ...
by Sandtrap
Mon Jan 07, 2019 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with house equity when selling but not ready to purchase another home?
Replies: 6
Views: 753

Re: What to do with house equity when selling but not ready to purchase another home?

Do you have to pay capital gains tax if you do not purchase another residence within "x" time? Would it work for you to purchase a studio or 1 bdrm condo in Seattle? Consider putting the funds in "short term" fixed and high yield accounts for at least a year or so after you have moved and are rentin...
by Sandtrap
Mon Jan 07, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: Why Total Bond Market over CDs?
Replies: 22
Views: 2569

Re: Why Total Bond Market over CDs?

Hi all. I have read many books on the subject. Lately, Larry Swedroe is making the most sense to me. Why not buy IRA CDs instead of investing in Total Bond Market? I would like to hear a case for both sides please. I also have some TIPS. But at the end of the day, aren’t CDs the safest product, and...
by Sandtrap
Mon Jan 07, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 4764

Re: For those retired a few years

the wildcards in retirement for most people will be medical and dental expenses. I am concerned with and confused about medical expenses. Many expect medical/health-related expenses to go down substantially after becoming eligible for medicare. However, a recent post by Sheepdog tells a different s...
by Sandtrap
Mon Jan 07, 2019 11:58 am
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 4764

Re: For those retired a few years

Retired 2 1/2 years and spending is a little higher than my prior take home pay. This is mainly due to more free time to spend on hobbies and fun travel. I still am spending only 3.8% withdrawal along with pension. SS will start in 21 months for me and my SAHW is drawing a reduced amount on her own...
by Sandtrap
Mon Jan 07, 2019 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10534

Re: Fiance Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

1. No. Not if you are uncomfortable with doing so. And, if you are uncertain or hesitant now, it won't change with time. And, later, you might have some misgivings which does not help things. 2. How about both of you putting funds "equally" in a joint account toward a home down payment with the agre...
by Sandtrap
Mon Jan 07, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Loser’s Game Reaffirmed
Replies: 21
Views: 2753

Re: Larry Swedroe: The Loser’s Game Reaffirmed

https://www.etf.com/sections/index-investor-corner/swedroe-losers-game-reaffirmed Larry reviews the December SPIVA reports. These S&P Index versus Active reports don’t just compare active to appropriate passive benchmarks, they also look at the persistence of active outperformance when it occurs. A...
by Sandtrap
Sun Jan 06, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4447

Re: Retirees: any major goals for 2019?

My major goal for 2019 consists of 365 "sub goals". Just some simple things. Each morning: Breath Count my blessings Do only that which brings me joy and shares that with others. Eat healthy. Do nothing that is unhealthy or harmful. Have fun. Take nothing too seriously. Strive to be useful to myself...
by Sandtrap
Sun Jan 06, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to set up an irrevocable trust?
Replies: 7
Views: 493

Re: Cheapest way to set up an irrevocable trust?

UpperNwGuy wrote:
Sun Jan 06, 2019 10:17 pm
Sounds like you already have a situation brewing, and you probably need to find a good estate lawyer. Pay the money, and do it right.
+1
Find an estate lawyer that will address your exact needs. Be sure you do not have a "flat fee" boilerplate/template "one size fits all" trust.
by Sandtrap
Sun Jan 06, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6253

Re: What do you think are (some of) the best states to live in?

The best place to live has the following: 1. You love your environment. (either of the following: everyone's different) a) Near the ocean or lakes or rivers if you are a water person. b) Near the mountains if you are a mountain person. c) Amidst vast tracts of wide open range land or National Forest...