Search found 5217 matches

by Sandtrap
Sun Sep 23, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 61
Views: 2767

Re: How to get rid of rabbits

I've had a great deal of difficulty keeping rabbits away from my landscape. The Yard looks terrible as a result. Any thoughts about what to use to keep these rabbits away. Not sure but I can tell you this if you see a flock of rabbits in your yard walking backwards in single file what you have is a...
by Sandtrap
Sun Sep 23, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 61
Views: 2767

Re: How to get rid of rabbits

So are moose. I eat those too. Bullwinkle? :shock: I figure that unless you're a vegetarian, you've got no moral argument to argue against hunting/eating wild game. Seems far more ethical to allow animals to live a full life in their natural environment before a few seconds of pain than to put them...
by Sandtrap
Sun Sep 23, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 32
Views: 2059

Re: Minimalist Lifestyle

I feel like as an average materialistic American, I have accumulated a lot of stuff over the years and am now trying to declutter and keep only the essentials. I read a story about a couple that sold everything except a few suitcases and lived for extended periods around the world. It sounded frigh...
by Sandtrap
Sun Sep 23, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 61
Views: 2767

Re: How to get rid of rabbits

If you're going to trap them, why release them? Just eat 'em. Would you trap a chicken and relocate it? https://www.thedailymeal.com/healthy-eating/rabbit-good-you-here-are-9-best-ways-cook-it They are cute and fluffy. So are moose. I eat those too. Bullwinkle? :shock: I figure that unless you're a...
by Sandtrap
Sun Sep 23, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1549

Re: How do you define your success in our life, career and job?

Some folks are more "externally defined", through input and feedback from the world around them. Others are more "internally defined" and introspective. Some more tangible oriented. Others more esoteric. And, the balance of all of the above evolves, "or devolves", as we age. Along the way there's th...
by Sandtrap
Sun Sep 23, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 61
Views: 2767

Re: How to get rid of rabbits

White Coat Investor wrote:
Sun Sep 23, 2018 9:15 am
Dottie57 wrote:
Sun Sep 23, 2018 9:04 am
White Coat Investor wrote:
Sun Sep 23, 2018 8:38 am
If you're going to trap them, why release them? Just eat 'em. Would you trap a chicken and relocate it?

https://www.thedailymeal.com/healthy-ea ... ys-cook-it
They are cute and fluffy.
So are moose. I eat those too.
Bullwinkle?
:shock:
by Sandtrap
Sun Sep 23, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Selling off funds. timing question
Replies: 10
Views: 697

Re: Selling off funds. timing question

You do have some very good funds on your list.
Why not retain some, or a combination, or one, that most closely meets your allocation and IPS?
Then, instead of sell and then buy, do exchanges?
Not quite a classic Bogle "3 fund" though.
by Sandtrap
Sun Sep 23, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 61
Views: 2767

Re: How to get rid of rabbits

DW and I were both out "mowing" (tractor and large zero turn) our acreage yesterday. Hit 2 baby rabbits. Felt awful. We look out for them but sometimes they are very hard to see. I have a stack of railroad ties that is the annual breeding ground for new generations of rabbits. They all leave the pro...
by Sandtrap
Sat Sep 22, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 61
Views: 2767

Re: How to get rid of rabbits

yousha wrote:
Sat Sep 22, 2018 8:35 pm
I've had a great deal of difficulty keeping rabbits away from my landscape. The Yard looks terrible as a result. Any thoughts about what to use to keep these rabbits away.
Where I live it's owls by night and falcons or hawks by day.
by Sandtrap
Sat Sep 22, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella questions
Replies: 9
Views: 664

Re: Umbrella questions

Our costs were significantly reduced when we consolidated all of our policies under one roof (USAA).
j
by Sandtrap
Sat Sep 22, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1193

Re: How to fund education for grandchildren: various strategies? Help?

First step is to consilt with your sons to see if they have preferences. You can certainly limit their options, but it is unfair to set up any investments for their children without giving them a chance to weigh in. Your decisions can have tax implications for them and/or affect how they invest any...
by Sandtrap
Sat Sep 22, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1193

Re: How to fund education for grandchildren: various strategies? Help?

I am one of those who uses the expression "man plans and God laughs". If you could afford it I just think it's best to pay for it when the time comes. You can write the check directly to the educational Institution. True. But I may not be around at that time, or have the cognizance (marbles) to do ...
by Sandtrap
Sat Sep 22, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: CD Ladder
Replies: 8
Views: 994

Re: CD Ladder

Also, be wary of the strict "window" for expiration/renewal/auto renew if the CD's are from "brick n mortar" or financial institutions vs brokered CD's. Brokered CD's roll over into the sweep account and do not "auto renew".
j
by Sandtrap
Sat Sep 22, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1193

Re: How to fund education for grandchildren: various strategies? Help?

Yes, ask the parents. You can tell them that you heard that 529 plans funded by grandparents and owned by grandparents is great because no tax interference with their own tax returns nor the child's tax returns. UTMA/UGMA have tax return consequences. Also warn them of overfunding in case others ge...
by Sandtrap
Sat Sep 22, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1193

Re: How to fund education for grandchildren: various strategies? Help?

I chose a prepaid tuition plan for our four grandchildren. I had done the same for my daughters, and I was involved with a niece's prepaid tuition plan my father had set up when her father died. I like prepaid plans because the pretty well lock in at least the tuition portion of a college education...
by Sandtrap
Sat Sep 22, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1193

Re: How to fund education for grandchildren: various strategies? Help?

First step is to consilt with your sons to see if they have preferences. You can certainly limit their options, but it is unfair to set up any investments for their children without giving them a chance to weigh in. Your decisions can have tax implications for them and/or affect how they invest any...
by Sandtrap
Sat Sep 22, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Has anyone gone to a Retirement Wealth Academy seminar?
Replies: 17
Views: 1517

Re: Has anyone gone to a Retirement Wealth Academy seminar?

You can review the course descriptions, but they're pretty vague (other than "the times they are a changing" and a fair amount of FUD): https://retirementwealthacademy.com/our-courses/new-reality/ "We will look at traditional diversification as well as new areas of diversification to help mitigate ...
by Sandtrap
Sat Sep 22, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1193

How to fund education for grandchildren: various strategies? Help?

Status: I have 2 very young grandchildren (one brand new) . . . so far. I would like to establish a college fund or education fund for them. All of my assets are in "taxable". Assets and income stream are somewhat "substantial". Questions: What are my options to best benefit them and myself? 1. Educ...
by Sandtrap
Sat Sep 22, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 979

Re: The bond side of my asset allocation ...

The theory is that the generally expected interest rate hikes are already priced into the bond or bond fund price. But regardless whether or not that theory is correct, bond funds NAV is continuing to drop. The OP has a valid concern. What am I missing? +1 I'm concerned as well. Which is why I sugg...
by Sandtrap
Sat Sep 22, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Time periods for personal investment
Replies: 24
Views: 1357

Re: Time periods for personal investment

Few of us would invest all our emergency funds in equities. Many of us would invest half our funds in equities as we prepare early in life for our retirement. Where is the break-point for you and how do you manage to it? Put the “experts” rules of thumb aside and think about this as you actually in...
by Sandtrap
Sat Sep 22, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 979

Re: The bond side of my asset allocation ...

In the three option strategy for a 50/50 asset allocation I would buy a total bond fund. It seems generally accepted that as interest rates rise bond funds go down. It appears that interest rates are going to rise for the near term. Bond funds are doing poorly now. So as I rebalance my 401K I will ...
by Sandtrap
Sat Sep 22, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Getting Started with Rental Property Investments
Replies: 8
Views: 813

Re: Getting Started with Rental Property Investments

Be careful. Due diligence. Approach the rental property business "as a business". Many do very well, some extremely well, with income property. They are smart, savvy, committed, and lucky -- often have alternate income streams and deep pockets or other assets that help them survive market and rental...
by Sandtrap
Fri Sep 21, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3235

Re: Out of Market

Never thought I would walkway from the market but at the age of 78 with health issues I decided to maintain about 10% of my assets in stocks (currently own) and another 10% in high rated corporate bonds (currently own) yielding 4-5%. I also keep 10% in cash for emergency (2% Vanguard Prime MM). I a...
by Sandtrap
Fri Sep 21, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 35
Views: 2585

Re: Simple-minded sayings?

All things in moderation . . . . includimg moderation. :shock:
by Sandtrap
Fri Sep 21, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Buying brokerage CD with Fidelity
Replies: 7
Views: 703

Re: Buying brokerage CD with Fidelity

Suggest calling Fidelity and having a "fixed income specialist" talk you through the process.
j
by Sandtrap
Fri Sep 21, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Rear ended - Take the Cash?
Replies: 18
Views: 1729

Re: Rear ended - Take the Cash?

My 2009 camry got rear ended three weeks ago, it occurred at about 25-30 mph. The damage doesn't seem bad, the bumper is detached but it is not touching the ground (clearance is about 4 inches). I was able to drive from Vegas to Socal with no issues. Now I got back the estimate today from the other...
by Sandtrap
Fri Sep 21, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?
Replies: 69
Views: 3345

Re: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?

I've read a lot of opinions on the forums claiming that unleveraged real estate returns are comparable to stock market returns and others claiming that unleveraged real estate returns are just barely a notch above inflation and that all of the stock-like return comes from the leverage. Obviously th...
by Sandtrap
Fri Sep 21, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 127
Views: 10194

Re: Did you really have something to retire to?

We usually see comments here that "you need to have something to retire to"? For those who are retired, did you really have something solid to retire to? For those who plan to retire soon, do you have something in your mind that you will be retired to? Or let's retire first, and find that something...
by Sandtrap
Thu Sep 20, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Proposal for Structural Damage
Replies: 12
Views: 938

Re: Proposal for Structural Damage

1. Neither. Get proposals from at least several more General Contractors (licensed,insured,bonded) in your area with experience in this type of work. You will get more input from them regarding what is needed, who should be called, and if engineering services are required. 2. No. The work needed ca...
by Sandtrap
Thu Sep 20, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Proposal for Structural Damage
Replies: 12
Views: 938

Re: Proposal for Structural Damage

Hello Bogleheads I own a home in South FL that has severe structural damage in 2 upstairs bedrooms, Its a result of water damage from a leaking AC 10 years ago and termites got into the wood. Once the carpets were pulled back and some of the plywood was removed it was determined that the beams are ...
by Sandtrap
Thu Sep 20, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Why are there so few long-term investors?
Replies: 18
Views: 2722

Re: Why are there so few long-term investors?

Why are there so few long-term investors? Most funds and ETFs have such great turnover. After Warren Buffett you would be hard pressed to think of the next big long term investor. The fundamental precept in "Bogleheadville" is to be a long term investor. Perhaps the "turnover" is from non-Bogleheads.
by Sandtrap
Thu Sep 20, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Need Help Beginning Ignorant and Naive Investor
Replies: 3
Views: 364

Re: Need Help Beginning Ignorant and Naive Investor

The first investment is in education and familiarity with all of your options going forward. As you stated, your financial education could be developed. Here is a short "toolbox".' Go through it, then formulate an IPS Statement that is unique to your financial situation and goals. Also: ignore the "...
by Sandtrap
Thu Sep 20, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1273

Re: Painting kitchen cabinet

An option.
Cabinetry can also be updated by refinishing the face frames and replacing all the doors and drawer faces.
by Sandtrap
Thu Sep 20, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 127
Views: 10194

Re: Did you really have something to retire to?

I resisted, and sometimes still resist, getting back into R/E development and income properties. But, having gotten used to the "senior retirement lifestyle" on our mini ranch with DW's $$$$horses, my own building projects and helping others, and grandkids, and more -- for now, I'm glad that I got o...
by Sandtrap
Thu Sep 20, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6457

Re: Don't trust Tripadvisor reviews

Not sure when people will realize this but most reviews online are fake. It’s a huge business, especially on Amazon. Go look at a site like Trustpilot, businesses pay them to contact their “customers” to solicit positive reviews. Companies end up competing in ranking wars just like SEO wars. Whatev...
by Sandtrap
Thu Sep 20, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 48
Views: 2775

Re: Bathroom and Basement Remodel Costs

Seems a bit high expenditure on the basement for such a relatively short occupancy time. 73k to remod a basement vs from scratch is a lot, though a lot can get done for that much, indeed. But, if funding is not a priority, why not enjoy. Generally, kitchen remods reap the most resale benefit, then b...
by Sandtrap
Thu Sep 20, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 34
Views: 2951

Re: Anyone hire an interior designer?

DW is a designer and I was a builder so it works out great for our own homes. However, I've done countless projects over the decades where owners did not use an interior designer, architect, or consultant. The difference in end result between those with "no taste" and no outside advice, and those w...
by Sandtrap
Wed Sep 19, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 129
Views: 6848

Re: Physical Banking - Any benefits anymore?

1. Free coffee 2. free lollipops (kid size) 3. Nice people who recognize me. 4. Medallion signature 5. Notary service 6. Safety deposit box 7. CD specials with good rates. +1 1. Free tiny chocolate snacks. 2. Coffee 3. Notary (use this all the time) 4. Private Banking Service/consultant/service per...
by Sandtrap
Wed Sep 19, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13562

Re: What is your single most expensive mistake?

Psyayeayeduck wrote:
Wed Sep 19, 2018 8:05 am
Sandtrap wrote:
Tue Sep 18, 2018 6:20 pm
+ Married the wrong person $$$$$:oops:
- Married an excellent person and stayed married. :D :D :D :D
Uh....I think you mixed your pluses and minuses unless this is a freudian slip :twisted:
Yep!!
Disklexia :oops:
by Sandtrap
Wed Sep 19, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 44
Views: 3346

Re: Should I bother meeting with a Chase Private Client Rep

I use a Chase bare bones account for everyday transactions and the convenience of a mega bank, but after moving some money through the bank for the down-payment on a house, I got a bunch of calls from this Chase Private Client person. I decided to go ahead and meet with them, but now I'm thinking i...
by Sandtrap
Tue Sep 18, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13562

Re: What is your single most expensive mistake?

Flobes wrote:
Tue Sep 18, 2018 6:23 pm
Single most expensive mistake?

Trusting my sister when we were co-executors of estates.

Ouch!
+1
$$$$$$$$$$ :(
by Sandtrap
Tue Sep 18, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13562

Re: What is your single most expensive mistake?

-+ Changed from PreMed to Finance/Business
+ Rented to good tenants :happy
- Rented to bad tenants $$$ :shock:
+ Bought good properties :D
- Bought bad properties $$$:(
+ Married the wrong person $$$$$:oops:
- Married an excellent person and stayed married. :D :D :D :D
by Sandtrap
Tue Sep 18, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 46
Views: 6343

Re: How did you decide when to retire?

Some thoughts to ponder: 1. Consider posting a "portfolio review" so others can give better input based on a comprehensive review of your financial picture going forward. Otherwise it's a bit of "guestimating". 2. Some folks seem to age in "dog years" after 60. Health problems crop up. Lifestyle com...
by Sandtrap
Tue Sep 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 14
Views: 1115

Re: Consumer Issue - Storage Unit Rental

Some random thoughts to think about. 1. Info gather: Call and politely inquire/clarify if the insurance was a requirement to rent, and if not, what would happen if you cancel it. 2. Consider if the extra cost of the insurance per month is still a competitive monthly rental rate compared to other opt...
by Sandtrap
Tue Sep 18, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3306

Re: Equity in house / Do you use it?

Never touch it.
DW and I consider it a last resort emergency fund after all emergency funds and other funds have been exhausted.
And, even if it came to that, downsizing would be the next option vs incurring debt.
j
by Sandtrap
Tue Sep 18, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 7
Views: 961

Re: Portfolio Review

Some options amongst many that I might pursue if in your shoes. 1. Down Payment. (life in transition, uncertain expenses may arise). 2. A bit aggressive. Consider if the value of your equities drop 50%. What would you do? Income streams post retirement are great. Consider diversification of fixed to...
by Sandtrap
Tue Sep 18, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 34
Views: 2951

Re: Anyone hire an interior designer?

DW is a designer and I was a builder so it works out great for our own homes. However, I've done countless projects over the decades where owners did not use an interior designer, architect, or consultant. The difference in end result between those with "no taste" and no outside advice, and those wi...
by Sandtrap
Mon Sep 17, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Can I have an oversized emergency savings account?
Replies: 19
Views: 2123

Re: Can I have an oversized emergency savings account?

I really only need 25K for my emergency savings. I have about 55k right now sitting in checking. I was thinking of going with an online savings account with higher interest and using that as emergency savings + not yet invested money and put like 50k in it. Or should I just have a proper emergency ...
by Sandtrap
Mon Sep 17, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 49
Views: 4221

Re: Delaying SS? How Long It Will Take for It to Pay Off?

Breakevens depends on what rates you use. Personally, I see delaying SS simply as longevity insurance. The only reasons I would it take earlier than 70 is if I thought I would die earlier than average or if I needed the money before 70. True. But, notwithstanding a known medical issue -- -- fate se...
by Sandtrap
Sun Sep 16, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Financial situation/Health checkup - Stocks vs. Real Estate?
Replies: 14
Views: 1118

Re: Financial situation/Health checkup - Stocks vs. Real Estate?

Stay on course.
Keep it simple.
Purchase new home.
Sell old home.
Stick with what is working.
Great job so far!
j