Search found 11578 matches

by Sandtrap
Sun Sep 27, 2020 10:56 am
Forum: Personal Investments
Topic: Just Found Out We Are Expecting First Child - Now What
Replies: 20
Views: 1634

Re: Just Found Out We Are Expecting First Child - Now What

Huggies.
Dont ever run out of quality Huggies.

Warm wipes on a heating pad.
Cold wipes are traumatic.
Warm you Huggies too.

j :happy
by Sandtrap
Sun Sep 27, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Hiring a Security Guard Agency
Replies: 29
Views: 2139

Re: Hiring a Security Guard Agency

The goal is mainly to prevent someone from entering the tarped building and getting poisoned inside. Protecting the building is a secondary goal. Putting up a temporary perimeter fence is also an option, might be cheaper than hiring a security guard. Or can do both. It might be best to leave the se...
by Sandtrap
Sat Sep 26, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: Were you nervous when you retired?
Replies: 63
Views: 4645

Re: Were you nervous when you retired?

I was hesitant. Did not have to "retire" per se, since I am a self-employed businessman. But, I like to work, have always, no vacations, some day's off, enjoy what I do. So, if not for health issues, I likely would still be actively involved in a business. But, it has taken 5-8 years to get used to ...
by Sandtrap
Sat Sep 26, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: Hiring a Security Guard Agency
Replies: 29
Views: 2139

Re: Hiring a Security Guard Agency

Hi Bogleheads, I would like to request your input into the issue of hiring a security agency to guard a house that will undergo tenting and fumigation for 3 days. I appreciate the input of anyone who has had experience with this. Is it even needed? Any security companies you would recommend? How mu...
by Sandtrap
Sat Sep 26, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Hiring a Security Guard Agency
Replies: 29
Views: 2139

Re: Hiring a Security Guard Agency

Hi Bogleheads, I would like to request your input into the issue of hiring a security agency to guard a house that will undergo tenting and fumigation for 3 days. I appreciate the input of anyone who has had experience with this. Is it even needed? Any security companies you would recommend? How mu...
by Sandtrap
Sat Sep 26, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 93
Views: 5040

Re: What can I expect from new golf clubs

An elder retiree fellow once joined our 3some. He smoked a fat cigar and it never left his mouth (no comment). Did not hit very far but stayed in the fairway all day. And, on nearly every green, he chipped once from greenside and putted "once". Displayed incredible touch from 20-30 yards out to the...
by Sandtrap
Sat Sep 26, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 93
Views: 5040

Re: What can I expect from new golf clubs

Another great wisdom I learned long ago. For a course you play regularly, stand on the green and look backwards to the tee. What shot would you want to play into the green? How do you get to that place from the tee? Often that results in a different approach to a hole than just blasting driver off ...
by Sandtrap
Sat Sep 26, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 2467

Re: Small Travel Trailer Advise needed

Have you looked at the fiberglass trailers like Casita and Scamp? Your Highlander could haul either. The build quality is quite good compared to so many plywood slapped-together rigs on offer. While the quality is good, Airstreams are expensive and very very heavy. We used to own a Casita and loved...
by Sandtrap
Sat Sep 26, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 93
Views: 5040

Re: What can I expect from new golf clubs

There ain't no material in the world that can fix double bogey golf on its own. Don't follow a bad shot with a stupid one. Play smart and within your skills, don't play the hero shot. +1 OP: Two lines I've heard from fellow players and coaches that were memorable for life. (from a retired Stanford ...
by Sandtrap
Fri Sep 25, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Prevent trex transcend deck from scratches
Replies: 5
Views: 533

Re: Prevent trex transcend deck from scratches

If outdoors, rubber can leave a black print on the deck.

j :D
by Sandtrap
Fri Sep 25, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Best chair cushion for working?
Replies: 5
Views: 398

Re: Best chair cushion for working?

2 inch thick gel wheelchair cushion. "VIVE" brand on Amazon https://smile.amazon.com/Wheelchair-Cushion-Vive-Sciatica-Waterproof/dp/B01L28ANI2/ref=sxts_sxwds-bia-wc-drs1_0?crid=1GTLF8AY4R7UU&cv_ct_cx=gel+wheelchair+cushion&dchild=1&keywords=gel+wheelchair+cushion&pd_rd_i=B01L28ANI2&pd_rd_r=dc684937-...
by Sandtrap
Thu Sep 24, 2020 7:32 pm
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 93
Views: 5040

Re: What can I expect from new golf clubs

This is a very useful thread for me. I am in a similar situation as the Topic Author. I have a low end set of clubs (Callaway Strata) I bought 7 years ago brand new. I had only been playing golf for a few years with clubs purchased at Goodwill. before that. Since retiring 2 years ago, the biggest f...
by Sandtrap
Thu Sep 24, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 93
Views: 5040

Re: What can I expect from new golf clubs

Golf Tip: How to record round statistics for every round, easily. Take a course scorecard. No need for an extra booklet or distracting phone app, etc, so one can focus on playing golf vs stat tracking. Every scorecard has 4 score rows for a foursome. Keep one in your pocket for yourself (if someone ...
by Sandtrap
Thu Sep 24, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: What did your accounts look like in your 30's?
Replies: 69
Views: 4993

Re: What did your accounts look like in your 30's?

What did our accounts look like in our 30's?

What accounts?
Children.
Rent.
Bills.
. . . . Life.

Although we were super duper frugal (not by choice) and saved every penny ruthlessly.
New company/business. Poured every dime into it. Nothing left.
j :happy
by Sandtrap
Wed Sep 23, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 93
Views: 5040

Re: What can I expect from new golf clubs

New fitted clubs eliminate that aspect from a poor game. (can't blame miss shots on the clubs. Take your time, work with a PGA pro and not a club salesman. lst take lessons to establish a solid groove and rhythm. Then go to a fitting center or any held at the local clubs like ping, callaway, titleis...
by Sandtrap
Tue Sep 22, 2020 7:18 pm
Forum: Personal Investments
Topic: High Dividend for diversification
Replies: 42
Views: 2724

Re: High Dividend for diversification

Search the forum archives (upper right corner) for threads and discussions about:
"High Dividend Funds"
"Dividend Aristocrats"
"Total Returns vs. . . ."

j :happy
by Sandtrap
Tue Sep 22, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 93
Views: 5040

Re: What can I expect from new golf clubs

An elder retiree fellow once joined our 3some. He smoked a fat cigar and it never left his mouth (no comment). Did not hit very far but stayed in the fairway all day. And, on nearly every green, he chipped once from greenside and putted "once". Displayed incredible touch from 20-30 yards out to the ...
by Sandtrap
Tue Sep 22, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Investing - First Timer
Replies: 7
Views: 778

Re: Real Estate Investing - First Timer

Hi BogleHeads - I'm 27 years old and live in Pittsburgh, PA. I just recently bought my home and renovated the bottom floor completely. It's in a very nice part of town and added almost 100K to the appraisal price. I've also helped a few other friends out do some renovations and increase their home ...
by Sandtrap
Tue Sep 22, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 93
Views: 5040

Re: What can I expect from new golf clubs

Several years ago when I retired I took up the game of golf. My brother-in-law had some clubs he never used and gave them to me. After playing for the past several years I find my game has not improved to the level I feel I should be at. I am 72 years old and in good health. My golf handicap is aro...
by Sandtrap
Tue Sep 22, 2020 12:14 am
Forum: Personal Consumer Issues
Topic: stand up freezer for garage
Replies: 26
Views: 1506

Re: stand up freezer for garage

We bought the largest upright freezer we could find in mid 2019 because the freezer section in the garage refrigerator was too small. It has worked out terrific and reduced our trips to town for groceries. As stated by an earlier post, the GFCI receptacles can be "touchy" if they are old and worn. W...
by Sandtrap
Mon Sep 21, 2020 9:31 pm
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4217

Re: Your recent experience of visiting a dentist

Teeth cleaning 4x/year.
Excellent health protocols.

Only thing missing is my lack of nerve and stamina when it comes to anything dentistry. :shock:
j :D
by Sandtrap
Mon Sep 21, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: Toddler Education
Replies: 43
Views: 2223

Re: Toddler Education

Watch Bippi and other learning channels at a certain time for a certain times. Sandtrap, I respect you but you have this one wrong. Do not watch Blippi. Not a good choice. Better options out there. You're likely right given my only brief experience. My son watches Blippi with his son, my grandson. ...
by Sandtrap
Mon Sep 21, 2020 10:31 am
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12905

Re: Is anyone waiting until after the election?

Ignore the news, tv, talking heads, etc.

The sky is always falling.
Chicken Little.

j :happy
by Sandtrap
Mon Sep 21, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3231

Re: Best shoes for running?

I love running. Except the injuries to my knees. I am not looking for medical advice. Are there better shoes or any prior preparations that help mitigate the risk of knee injuries? Former runner for many decades. Once the cartilage and joints in my knees started to migrate South, that was it. Damag...
by Sandtrap
Mon Sep 21, 2020 8:25 am
Forum: Investing - Theory, News & General
Topic: Best Books for Complete Beginners
Replies: 22
Views: 1698

Re: Best Books for Complete Beginners

From your experience, what was the best investing book you have read for beginners? I'm looking for a book that explain investing in index funds in a simplistic way. I would like to know about choosing the right index funds based on my situation, rebalancing, and what to watch out for in the econom...
by Sandtrap
Sun Sep 20, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bad time to build a new house?
Replies: 19
Views: 2683

Re: Bad time to build a new house?

I've been seeing articles about skyrocketing lumber prices and supply chain problems for building materials. Reasons seem to be mills closing due to Covid and increased consumer demand. Builders and subcontractors seem to be really busy in my mid-Atlantic area with interest rates being so low. Does...
by Sandtrap
Sat Sep 19, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: large cracks in the driveway. Solution?
Replies: 11
Views: 1581

Re: large cracks in the driveway. Solution?

pictures?

How much would it cost to repave the driveway?

How much would it cost for a concrete driveway?

j :happy
by Sandtrap
Sat Sep 19, 2020 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Estate considerations with sibling living in home owned by parent
Replies: 33
Views: 2641

Re: Estate considerations with sibling living in home owned by parent

What are in the current wil and trust provisions? j :D No trust, will says all assets divided equally among siblings. Without details in a trust or will addressing these types of things, existing conditions create a precedent, a tacit approval. It can be argued by a good estate litigator that the p...
by Sandtrap
Fri Sep 18, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Estate considerations with sibling living in home owned by parent
Replies: 33
Views: 2641

Re: Estate considerations with sibling living in home owned by parent

What are in the current wil and trust provisions? j :D No trust, will says all assets divided equally among siblings. Without details in a trust or will addressing these types of things, existing conditions create a precedent, a tacit approval. It can be argued by a good estate litigator that the p...
by Sandtrap
Fri Sep 18, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 20135

Re: Your "at peace" moments.

I have been awaking from sleep before daylight breaks. I brew coffee, sit down, and read whatever book I'm currently investing my time in. Because it is so early, where I live I'm able to escape pretty much all ambient noise. Pure peace and quite. I have begun to really appreciate this part of my d...
by Sandtrap
Fri Sep 18, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 5935

Re: Ring for a new girlfriend

Rings are for some things, even the lst half glance at a "ring" has a certain anticipation. Opal pendant necklace? Price and brand name (status) matters not. At this stage, it's the thought. Include a dozen of favorite flowers and a really corny or sappy card. Don't go overboard. Scares away the fis...
by Sandtrap
Fri Sep 18, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Toddler Education
Replies: 43
Views: 2223

Re: Toddler Education

An ocd boglehead might setup a complete todler and preschool program per academic and licensing requirements, then implement the appropriate daily rubrics in the proper weely academic/experiential allocations. per "livesoft", the world is a classroom for immersive experiential learning and growing, ...
by Sandtrap
Fri Sep 18, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Toddler Education
Replies: 43
Views: 2223

Re: Toddler Education

Reading, reading, reading, and more reading. You can read to her. She can read to you. Just read, read, read....... I’m no expert. Being read to, and learning to read, is just about the most important thing you can learn. And doing it early on, I think, sets the foundation for everything else to co...
by Sandtrap
Fri Sep 18, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: Toddler Education
Replies: 43
Views: 2223

Re: Toddler Education

Study Montesorri routines and protocols that they start even earlier than that age. Socialization and routines and behavioral norms that will help your child when they go to group environment school. IE: get tables and chairs that are your child's size. This table and chair is for eating, we eat at ...
by Sandtrap
Fri Sep 18, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Vastly different quotes for wallpaper removal and painting job
Replies: 31
Views: 1475

Re: Vastly different quotes for wallpaper removal and painting job

In my experience, residential contractors fall into 2 main categories: 1. Self-employed, focused on being the lowest cost. Generally (not always but usually) these contractors are so focused on giving the best price...they round down on estimating the finish details among other things. They might f...
by Sandtrap
Fri Sep 18, 2020 8:52 am
Forum: Personal Investments
Topic: Substituting bond with RE/utility ETFs?
Replies: 46
Views: 2832

Re: Substituting bond with RE/utility ETFs?

I understand they're not bonds, I just want to get rid of BND. With all portfolio stabilization/rebalancing considerations, I do not feel good with keeping 20% of my portfolio in something equaling to a guaranteed loss (after inflation). Another option: 90/0/10 90% equities 0% bond or bond like 10%...
by Sandtrap
Fri Sep 18, 2020 8:48 am
Forum: Personal Investments
Topic: "Refinance" mortgage for a family member @ 2%?
Replies: 46
Views: 2874

Re: "Refinance" mortgage for a family member @ 2%?

Not knowing your financial details or your sisters, this is an option (depending on your relationship). Go to her mortage company/bank. Find out the mortage payoff. Or find out from her, "by the way. . . . . " Then pay off the mortgage direct to the lender. Make it a Christmas gift. If your sister w...
by Sandtrap
Thu Sep 17, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: Electrical help/suggestions
Replies: 22
Views: 1283

Re: Electrical help/suggestions

Chuck107 wrote: Thu Sep 17, 2020 11:23 am
NichtKlein wrote: Thu Sep 17, 2020 10:04 am If you ever decide you want a generator, you could easily repurpose the wires for a generator inlet.
Oh, great suggestion. I didn't think of that.
I have a portable with a 30 amp outlet.
Will have to add a bypass panel to do this safely.

j :happy
by Sandtrap
Thu Sep 17, 2020 6:04 pm
Forum: Personal Investments
Topic: How to deal with long distance rental property?
Replies: 13
Views: 759

Re: How to deal with long distance rental property?

Sell if you do not want to be a landlord. (sounds like you do not) 1031 exchange if you want to be a landlord. If you can find a decent prop mgt company or licensed agent/etc, do you want to keep the property? (sounds like you do not want to do this and are "done with it". . . true? Do you want to o...
by Sandtrap
Thu Sep 17, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 20624

Re: Preparing for retirement in mid 30s

Hello Bogleheads, I am preparing to retire within the next year. I would like to lay out my plan and you tell me if I have missed anything important. My wife and I are mid 30s with two young kids. We have 1.5M all in after-tax brokerage (90% VOO, 10% BND). We will withdraw 45k/yr (adjusted for infl...
by Sandtrap
Thu Sep 17, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Condo rich vs house poor?
Replies: 56
Views: 5006

Re: Condo rich vs house poor?

Lot's of families grow up just fine in a 6-800 square foot apartment or condo.

Have you considered moving to a LCOL area?
That might be a game changer for you and your family.

j :happy
by Sandtrap
Thu Sep 17, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Electrical help/suggestions
Replies: 22
Views: 1283

Re: Electrical help/suggestions

For the electrically inclined members and those with appliance recommendations. Situation, I am having a 12x20 deck built on the back of my kitchen entry. During this process, I had to remove a light pole next to the patio that got in the way. The original home owner that had the house built was an...
by Sandtrap
Wed Sep 16, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13727

Re: Is this guy trying to scam me on a car I'm selling?

I find the opening paragraph very strange. Not something I would ever write and it seems written to play up to you and make you feel good about yourself. This.. this message feels fishy... Either pass on this guy or be extremely cautious with the payment +1 This is not passing the smell test. Salmo...
by Sandtrap
Tue Sep 15, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 7393

Re: Should I buy a new rice cooker from Zojirushi?

I have a drawer full of rice paddles... flat with curved sides... Absolutely decadent! :shock: The bumps seem gimicky so flat and smooth plastic is best. Data point number two. This is seeming to be what I prefer. But I don't want to give up unnecessarily on the bumps, in contravention to what appe...
by Sandtrap
Tue Sep 15, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 7393

Re: Should I buy a new rice cooker from Zojirushi?

We bought rice cookers several times - but the insides of the vessel holding the rice inevitably would start peeling off in 6 months. We now just use a heavy steel pot. What is the substance that peels off? Does it also shed/peel is small bits that might get ingested? Is there a version that is not...
by Sandtrap
Tue Sep 15, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 7393

Re: Should I buy a new rice cooker from Zojirushi?

I grew up thinking that families that had rice cookers (everyone has it in Hawaii) that looked like the Zoroushi one's, typically at high end japanese import stores in the old days, were wealthy. And, thus it was never for me. There is a list of things that I thought wealthy people had: more than 1 ...
by Sandtrap
Tue Sep 15, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 7393

Re: Should I buy a new rice cooker from Zojirushi?

Follow-up Question: The plastic rice paddle that came with my rice cooker has bumps on it. The highest rated rice paddles at Amazon have divots. Which is better, and why - bumps or divots? I have both types of paddle, and prefer the divoted paddle from a rice damage perspective. However, I can see ...
by Sandtrap
Tue Sep 15, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6730

Re: Coping with Wildfire smoke

We had a large forest fire to the West that burned for a long time, about 10 miles away from us and covering 1000's of acres. Our property and home and driveway, etc, was covered with fine ash and flakes. The smell of smoke was strong. Not as bad as on a bad "vog" day in Hawaii when the tradewinds s...
by Sandtrap
Tue Sep 15, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6730

Re: Coping with Wildfire smoke

When I backpack in areas where there is or might be smoke, then I wear an N95 mask. Properly fitted, a N95 that is carbon filter integrated for tasks such as welding, etc, will do a reasonable job with smoke. Though not as good as a canister filter full sealing mask, also properly fitted and traine...