Search found 4884 matches

by Sandtrap
Sun Jul 15, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Cycle Fund
Replies: 3
Views: 120

Re: Vanguard Life Cycle Fund

Hello! Quick question for you. I recently switched jobs and trying to determine if it is worthwhile rolling over my 401k to Vanguard. Currently, my 401k is primarily invested in the Vanguard life cycle fund (2050 retirement) which has a 0.06% expense ratio. If I rolled this balance over to an IRA/R...
by Sandtrap
Sun Jul 15, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 25
Views: 738

Re: Anyone not have a Budget?

I don't have a budget for monthly expenses and I tend to maximize savings and only buy essentials (Which include dining out). Part of this does lead me to not spend on anything I don't find essential. Anyone else in the same boat? While not on a spreadsheet per se, isn't that sort of a ongoing subc...
by Sandtrap
Sun Jul 15, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 43
Views: 2120

Re: FireCalc: How big a grain of salt?

There's a fascinating, fiber filled, info rich, post/thread by "will thrill" that addresses these issues as well.

"A different take on retirement income: time segmentation"
viewtopic.php?p=4021760#p4021760
by Sandtrap
Sun Jul 15, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Any Interior Designers Here? Looking for Japanese Bathroom/Kitchen Designs
Replies: 4
Views: 161

Re: Any Interior Designers Here? Looking for Japanese Bathroom/Kitchen Designs

I have been carrying this book around from home to home for decades. "A Japanese Touch For Your Home". https://www.amazon.com/Japanese-Touch-Your-Home/dp/087011526X/ref=sr_1_1?ie=UTF8&qid=1531699501&sr=8-1&keywords=a+japanese+touch+for+your+home DW and I are huge fans of contemporary Asian design an...
by Sandtrap
Sun Jul 15, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 24
Views: 1554

Re: All-In VTSAX

What is the reasoning behind this? Do you feel that VTSAX will outperform international stocks going forward? I'd say (ironically enough) that getting rid of EM and developed international stocks is acceptable from a Jack Bogle standpoint, but not really from a Bogleheads standpoint, since you are ...
by Sandtrap
Sun Jul 15, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: A different take on retirement income: time segmentation
Replies: 3
Views: 347

Re: A different take on retirement income: time segmentation

Thanks for taking the time and "work" to post this. Always enjoy your "educational posts". 1. I think that retirees that I know take this "hybrid" approach intuitively (without really understanding the financial concepts at work). ES (essential spending) is mentally "bucketed" from established long ...
by Sandtrap
Sun Jul 15, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 43
Views: 2120

Re: FireCalc: How big a grain of salt?

I look at a few of the more well known calculators and see what their saying. Since I am retired, the more important question is what can/will I do when/if things get dicey. Life is good 😀 +1 I've used, and continue to occasionally use, the following tools to keep track of and project forward as be...
by Sandtrap
Sun Jul 15, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 30
Views: 1533

Re: Bears!!!

The easiest thing might be to put an electric fence around your trash can. Or around the enclosure for your trash can. You and your family are sure to get zapped once or twice, but it will probably be effective against the bears. That's why beekeepers use them. :happy +1 zillion volt horse electric...
by Sandtrap
Sun Jul 15, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1535

Re: Kitchen Remodel

7. Cabinetry with rolling shelves and other features to save the "back" is worth a million ice packs. 8. The corners of a range hood or cooktop hood should never ever be below the tallest person in the house. :shock: 7. What is a rolling shelf? It's a flat drawer behind a door. Just get drawers in ...
by Sandtrap
Sun Jul 15, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1535

Re: Kitchen Remodel

Thoughts. 1 Buy a range hood that is powerful, but "quiet". 2. Upsize the range hood duct to exterior wall. 3. Heat generating appliances with the digital control board near the heat need more repairs. 4. Buy appliances per a history of long term reliability and function vs "name" and cosmetics. 5. ...
by Sandtrap
Sun Jul 15, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 79
Views: 4531

Re: Would you trade experiences in your youth for early retirement

Interesting question. All is relative to where one sits in the journey, looking forward or looking back, and how far. Looking back as a senior with poor financial prospects in retirement, experiences would lose over better finances. Looking back as an early retired senior that has charted a solid f...
by Sandtrap
Sun Jul 15, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 34
Views: 1904

Re: How often do you buy a primary residence?

As we search for an buy a "home" rather than a "house", we stay in it at each stage of life and beyond . . . where memories are made.
j :D
by Sandtrap
Sun Jul 15, 2018 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Adjusted with Annual Expense Multiple?
Replies: 2
Views: 304

Re: Asset Allocation Adjusted with Annual Expense Multiple?

I've researched a lot of different asset allocation ideas based on such factors as age, retirement date and risk tolerance, but was wondering if anyone simply adjusts their asset allocation based on how many years of expenses they have built up? The formula seems like it would be pretty easy to fol...
by Sandtrap
Sun Jul 15, 2018 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Spending profile in retirement
Replies: 19
Views: 1481

Re: Spending profile in retirement

I don't like the OP's decline in spending as time goes on. I've managed to have my income increase most years in retirement thus far (five). Now I don't actually "spend" all of my income each year in retirement. Some goes into my new car fund and will likely get spent later. I'd be happy to increas...
by Sandtrap
Sat Jul 14, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Need to generate income
Replies: 26
Views: 1927

Re: Need to generate income

It does not sound like you can afford lose of principal in the pursuit of greater returns. You may or may not be a candidate for an SPIA. (do not consider any other type) Check some quotes here: Immediate Annuity Calculator https://www.immediateannuities.com/a/annuity-annuities-1nem.html?gclid=EAIaI...
by Sandtrap
Sat Jul 14, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: safe investment location for ~1-10+ years?
Replies: 3
Views: 483

Re: safe investment location for ~1-10+ years?

I would like to find a good place to put a sum of money ~$1xx,xxx that I may need to use within 1-10+ years. Fed bracket 35%, CA 9.3%, income expected to be stable over the next decade. VUSXX (Treasury MM) seems to be the clear-cut choice for me, with SEC yield 1.84% and TEY 2.83%. I know the wide/...
by Sandtrap
Sat Jul 14, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2112

Re: Change in Flagship Rep Service ?

Tom: When I just logged into my account I get the usual account overview page and on the right (to the right of the pie charts) is a large picture of my rep plus the link to the section to set up an appointment and another link to go to the section to send a secure message. Same here. Flagship sele...
by Sandtrap
Sat Jul 14, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Molokai lately?
Replies: 7
Views: 1241

Re: Anyone been to Molokai lately?

Have you considered Lanai? DW and I stayed at the Koele Lodge and it was wonderful. Played both golf courses. The island is unique. That was awhile ago before the major renovations. Not sure of the status now. Molokai is similar to where I grew up in old country Hawaii. No stoplights. No McDonalds. ...
by Sandtrap
Sat Jul 14, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 13
Views: 1456

Re: Retirement Planning

1. Estimate your annual expenses in retirement. 2. Estimate what you will need to cover health care insurance premiums. 3. Estimate what you will need from now till social security, from now until Medicare. 4. Is your Emergency Fund large enough to cover a period of unemployment? Plug in your number...
by Sandtrap
Sat Jul 14, 2018 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2667

Re: Retiring in early 2019

You already have an open thread with this very same title with additional information and feedback from others. Did you mean to start this new thread? https://www.bogleheads.org/forum/viewtopic.php?f=1&t=249988 Cheers Yes I know. That was my first post here. I tried to include all details here on s...
by Sandtrap
Sat Jul 14, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: thoughts on converting small pantry to 3/4 bath
Replies: 22
Views: 1205

Re: thoughts on converting small pantry to 3/4 bath

For $60k you could put in an elevator instead or add on additional space to your house for a bathroom, if that is allowed. A 3/4 bath would only fit in a 3 x 6 ft. space if the entire room functioned as a wet shower, like in an Airstream, and that might not be allowed by building codes. As someone ...
by Sandtrap
Sat Jul 14, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation among different type of accounts?
Replies: 2
Views: 230

Re: Asset Allocation among different type of accounts?

These are some tools to keep track of funds across various accounts and brokerages. The Morningstar tool works very well. ONLINE FINANCIAL TOOLS PORFOLIO VISUALIZERS, PROJECTIONS, AND ANALYSIS https://www.portfoliovisualizer.com Firecalc. Retirement. How long will your money last? https://www.fireca...
by Sandtrap
Sat Jul 14, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: 14 years with Bogleheads
Replies: 9
Views: 1182

Re: 14 years with Bogleheads

Perfect!
Thanks for sharing.
Congratulations on your successes. :D :D
aloha
j
:sharebeer
by Sandtrap
Sat Jul 14, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Implementing Life-Cycle Financial Planning
Replies: 5
Views: 592

Re: Implementing Life-Cycle Financial Planning

Thanks, Bob. Particularly liked the explanation of the use of SPIA's/Annuities where it is applicable. j Annuities: Miller likes the mortality pooling benefits and simplicity provided by single-premium immediate annuities (SPIAs), but recognizes that these products are not a fit for all clients. For...
by Sandtrap
Sat Jul 14, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Choosing a Used Car Model
Replies: 12
Views: 982

Re: Choosing a Used Car Model

Test drive at a dealer.
Toyota Highlander, 4 runner, etc.
j
by Sandtrap
Sat Jul 14, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2667

Re: Retiring in early 2019

Need some advice. I am retiring in early 2019. Below is what I have and how it is invested, needed income at retirement and retirement income and projected expenses. Please bear in mind I am a conservative investor as you will notice. The conservative position is influenced heavily by the thought o...
by Sandtrap
Sat Jul 14, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 79
Views: 4531

Re: Would you trade experiences in your youth for early retirement

Bought a Mercedes at 30. Biggest financial mistake I've ever made and the experience it gave me was so temporary. TravelforFun The list of "young'uns" . . . and "old'uns" who spent substantial funds on Muscle Cars, Hot Rods, Sports Cars, and Courtship, is very very very long. :shock: Although most ...
by Sandtrap
Sat Jul 14, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Parking CASH & Raising interest rate?
Replies: 7
Views: 491

Re: Portfolio Alignment Guidance

For more comprehensive suggestions, you might want to edit your original post to a comparative list of funds with names and tickers, percentages, and expense ratios in the forum format vs the link.
j
by Sandtrap
Sat Jul 14, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 64
Views: 3239

Re: Direct Real Estate Returns

People say all kinds of things to defend their darlings. But if I could RELIABLY get 18% net a year on the total investment exposure where I live now with acceptable risk that does not involve being an on call maintenance guy and renter qualifier guy, and eviction expert who is unable to go on vaca...
by Sandtrap
Sat Jul 14, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Major purchases - now or later?
Replies: 13
Views: 1366

Re: Major purchases - now or later?

Yes. You should. . .
1. Spend the funds now in order of priority.
2. Spend the funds over time within your comfort zone in order of priority.
j :happy
by Sandtrap
Sat Jul 14, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 79
Views: 4531

Re: Would you trade experiences in your youth for early retirement

Interesting question. All is relative to where one sits in the journey, looking forward or looking back, and how far. Looking back as a senior with poor financial prospects in retirement, experiences would lose over better finances. Looking back as an early retired senior that has charted a solid fi...
by Sandtrap
Fri Jul 13, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 46
Views: 3034

Re: Should we sell our business?

You may find your answers as you ponder these questions: 1. Given that you are happy with the price of a "complete" buyout. What will you do after that? Retire? Open another business? 2. You have good reason to be 100% or 0% owners. As a retired businessman, I would not want to take on the problems...
by Sandtrap
Fri Jul 13, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 94
Views: 6321

Re: Early retirement

I retired early. I've had some very interesting interactions with people when they find out I've done so. Some are socially awkward, some rude, some confused and other bizarre reactions. Has anyone else experienced what I have? I think those variety of reactions happen at any age of retirement and ...
by Sandtrap
Fri Jul 13, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: thoughts on converting small pantry to 3/4 bath
Replies: 22
Views: 1205

Re: thoughts on converting small pantry to 3/4 bath

elisa wrote:
Fri Jul 13, 2018 6:47 pm
Thank you for helpful responses and perspectives which will inform my eventual decision.
You're welcome.
Keep us posted.
Good luck.
j :happy
by Sandtrap
Fri Jul 13, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 46
Views: 3034

Re: Should we sell our business?

We’re a married couple in our late 40s with a teenager. We have $1.8M invested and have $700k in real estate (includes primary residence). Together we own and operate a business with profits of around $300k a year. In the last two years, we’ve found a way to rapidly expand the business and increase...
by Sandtrap
Fri Jul 13, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: When does frugal cross the line to cheapskate?
Replies: 134
Views: 8652

Re: When does frugal cross the line to cheapskate?

I think it depends on the connotation and context of use.
The difference between:
1. My dad was a real "cheapskate", but had a heart of gold and was generous to family and those in need.
or
2. Stay away from that "cheapskate". What a "hobo".

j
by Sandtrap
Fri Jul 13, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: Tell me what's wrong with my strategy
Replies: 40
Views: 2091

Re: Tell me what's wrong with my strategy

New to bogleheads and I feel lucky to find such a welcoming and knowledgeable community. I'm about to invest my first 500k into a stock portfolio (I have a moderate/high to high-risk tolerance). I'm not considering retirement (I'm 45 and I've owned and held high end commercial real estate since I w...
by Sandtrap
Fri Jul 13, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Funds - Other Financial Advice Requested
Replies: 15
Views: 549

Re: Retirement Funds - Other Financial Advice Requested

Maxing the HSA ($6900/year for a family) is a very good idea. Contributions are tax-deductible, it grows tax-advantaged, and if used to pay qualified medical expenses (and Medicare premiums) withdrawals are tax-free. And from age 65 you can withdraw from it like a traditional IRA (just pay income t...
by Sandtrap
Fri Jul 13, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Funds - Other Financial Advice Requested
Replies: 15
Views: 549

Re: Retirement Funds - Other Financial Advice Requested

I realize this is probably the subforum everyone loathes, as it's all newbies asking for help and I'm not able to offer much (unless you need help with a computer). Welcome. Folks of all ages and financial stages post for "portfolio review". None or all are equally loathed. (kidding). Hereafter, co...
by Sandtrap
Fri Jul 13, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: what is the historical real return of total bond?
Replies: 15
Views: 1261

Re: what is the historical real return of total bond?

According to Portfolio Visualizer: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2018&lastMonth=12&endDate=07%2F12%2F2018&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&re...
by Sandtrap
Fri Jul 13, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: what is the historical real return of total bond?
Replies: 15
Views: 1261

Re: what is the historical real return of total bond?

According to Portfolio Visualizer: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2018&lastMonth=12&endDate=07%2F12%2F2018&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&re...
by Sandtrap
Thu Jul 12, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for my homeowner's association
Replies: 30
Views: 1354

Re: Investing for my homeowner's association

Be careful with fancy investing in something like a HOA, where you are a fiduciary and there may be near term cash necessities. +1 Brokered short term CD's, Treasuries, MM, High Yield accounts. Security of principal and liquidity is vital. j The yields we have been locked into for a year are practi...
by Sandtrap
Thu Jul 12, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for my homeowner's association
Replies: 30
Views: 1354

Re: Investing for my homeowner's association

inverter wrote:
Thu Jul 12, 2018 10:47 pm
Be careful with fancy investing in something like a HOA, where you are a fiduciary and there may be near term cash necessities.
+1
Brokered short term CD's, Treasuries, MM, High Yield accounts.
Security of principal and liquidity is vital.
j
by Sandtrap
Thu Jul 12, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: When does frugal cross the line to cheapskate?
Replies: 134
Views: 8652

Re: When does frugal cross the line to cheapskate?

Frugality and "cheap" are relative to "culture". In some cultures, frugality is praised and admired, in others not so. In some cultures there is a competition for who can be the biggest "cheapskate". And it is called shrewd, wise, sharp. Others not so. I Hawaii, being a "cheapskate" is called being ...
by Sandtrap
Thu Jul 12, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 38
Views: 4178

Re: Denied for an auto loan 2 weeks after purchase??

The dealer will do everything it can for you to keep the car. 1. Creative financing offers with "generous" terms. 2. And so forth. 3. It is not in their best interest to take the car back, repossess it, or anything distasteful. 4. If you wanted to take the car back they might take it back as a "used...
by Sandtrap
Thu Jul 12, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 64
Views: 3239

Re: Direct Real Estate Returns

Average 6% Net Cap across my rentals, over many many decades.
j
by Sandtrap
Thu Jul 12, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Consider an Annuity for AA When Rebalancing?
Replies: 4
Views: 264

Re: Consider an Annuity for AA When Rebalancing?

No. I would not.
An annuity is part of one's income stream. AA includes investment assets.
Apples and Cabbage.

j :D
by Sandtrap
Thu Jul 12, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - Portfolio Questions
Replies: 11
Views: 645

Re: New Boglehead - Portfolio Questions

Wow! You have a great plan and have made great progress at this stage of the game. Congratulations. re: #2 You could both create a "revocable trust", then open accounts under the trust name. Or, convert what existing accounts you have to joint. Or, be sure to add the POD (payable on death) statement...
by Sandtrap
Thu Jul 12, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
Replies: 33
Views: 1822

Re: Question for pre-ACA Early Retirees

If you retired in your 50s/early 60s (or younger) in the days before the exchanges, and did so without access to retiree health insurance: At that time, what were your thoughts/plans re. health insurance coverage until Medicare-eligible? In those pre-ACA years, what did you do and how did it work o...