Search found 3178 matches

by Sandtrap
Wed Jan 17, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 90
Views: 7085

Re: Can We Retire in Hawaii? Please Critique

Less VOG on the Kamuela and Honokaa side🌺🌺🌺
by Sandtrap
Wed Jan 17, 2018 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 90
Views: 7085

Re: Can We Retire in Hawaii? Please Critique

Tear downs on my community on Oahu are going for about you want to spend on your land plus dwelling and you have pay for demolition, haul away and construction. +1 Vacant land is limited and usually "marginal". "Tear downs" are not inexpensive and add the building new costs and "huge hurdle for cos...
by Sandtrap
Tue Jan 16, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Book Suggestions
Replies: 11
Views: 627

Re: Book Suggestions

"How to Think About Money" by Jonathan Clements https://www.amazon.com/gp/product/1523770813/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 "The Simple Path To Wealth" by J. L. Collins https://www.amazon.com/gp/product/1533667926/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 "Your Money Or Your Life" by Vi...
by Sandtrap
Tue Jan 16, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 52
Views: 3179

Re: Anyone pondering moving to a cheaper place and downsizing?

6 years ago. Left our main residence in UHCOL Hawaii and moved to a mini ranch in LCOL Prescott AZ. (northern AZ), about 2 hours north of hot Phoenix. Prescott, A small retirement town of 50,000 residents nestled a mile high in the Bradshaw Mountains, surrounded by 4 National forests. Where all the ...
by Sandtrap
Tue Jan 16, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 90
Views: 7085

Re: Can We Retire in Hawaii? Please Critique

Why it is worth any price for folks to live in Hawaii. OP: You're pretty solid, you can "make" it happen. """""Surf's UP !!! :D Took this shot up the road from my sometime place in Kailua. Dawn. 2 young surfers were just emerging from the water. Have it in my Getty/Adobe portfolio. Enjoy. :D https:/...
by Sandtrap
Tue Jan 16, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 90
Views: 7085

Re: Can We Retire in Hawaii? Please Critique

Would you think someone was crazy if they had a $4M portfolio, decide to buy $800k house, purchase an annuity (with COLA, no less) with a significant chunk of the rest (to be conservative) that covers most of their expenses, and then withdrew 3% from the remainder of the portfolio to cover the rema...
by Sandtrap
Tue Jan 16, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 90
Views: 7085

Re: Can We Retire in Hawaii? Please Critique

Sonny and Cher: Scrimp for 2-3 years to afford a vacation in Europe . Captain and Tennille: Scrimp for 2-3 years to afford a vacation to Asia and Europe . maybe i don't understand this because i've only lived here for a little under a year, but why would you save up for a vacation when you live in ...
by Sandtrap
Tue Jan 16, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 90
Views: 7085

Re: Can We Retire in Hawaii? Please Critique

Average single house construction cost in Honolulu is $760 per square foot, so for $500,000 you are looking at a 640 square foot house. Doing it yourself will be somewhat less, but permits and materials will, as you know, be quite dear. Also, building to earthquake & hurricane code can be a bit tri...
by Sandtrap
Tue Jan 16, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 90
Views: 7085

Re: Can We Retire in Hawaii? Please Critique

Here's some context: :D I was born in Hawaii and grew up and worked there (forever). Retired several years ago. Moved from the state with the highest cost of living UHCOL, Hawaii, to a state in the bottom 5 cost of living ULCOL in the USA, Northern Arizona. My options were, retire to the Big Island,...
by Sandtrap
Tue Jan 16, 2018 11:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 88
Views: 6879

Re: Post your Financial Milestone Announcements Here

O.K. This new thread made me want to check. Due to market highs I am now at 710K. My house is in the New York area (Staten Island) and every day in the S.I. Advance they keep reporting on the affordability crisis due to how high the housing market is. My house I bought brand new in 1993 for $134K i...
by Sandtrap
Tue Jan 16, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: 24 year old with a little over a million looking for a stable income.
Replies: 15
Views: 2528

Re: 24 year old with a little over a million looking for a stable income.

An actionable alternative path to consider. 1 Set up a short term and longer term Emergency Fund with High Yield accounts and a CD ladder. 2 Set funds aside for a University education in a high paying profession of your choice. Finish graduate school. 3 Concurrently invest remaining funds for the lo...
by Sandtrap
Tue Jan 16, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?
Replies: 22
Views: 1447

Re: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?

How low is the potential downside for vwiux? In % from current NAV If the rule of thumb is correct, VWIUX with a duration of 5 years, and interest rate increase of 1-2% would put the downside at 5-10%. Your yield would go up by 1-2%, so you'd make it up in about 5 years, if all else stays the same ...
by Sandtrap
Tue Jan 16, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: “Future US Equity Returns: A Best-Case Upper Limit”
Replies: 20
Views: 1589

Re: “Future US Equity Returns: A Best-Case Upper Limit”

Excellent article. Thanks for posting. The possible danger is applying what pension funds can do, (increase equities), to the individual investor who's timeline is different. Perhaps overlooking fixed to mitigate risk and paying more attention to the low yield environment and taking on more risk. Th...
by Sandtrap
Tue Jan 16, 2018 1:19 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 88
Views: 6879

Re: Post your Financial Milestone Announcements Here

I just passed the 20-years-in-retirement mark in Dec. and am still able to enjoy the good life (no dog food on the menu in the foreseeable future). Busier now than when I ran my business. And the business I founded just celebrated its 50th birthday while also celebrating the 20-year mark under the ...
by Sandtrap
Mon Jan 15, 2018 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old with a little over a million looking for a stable income.
Replies: 15
Views: 2528

Re: 24 year old with a little over a million looking for a stable income.

Given the information you provided and not knowing your employment options and life situation and goals. . . Consider the following amongst many options. Depending on your financial situation.. . especially if you are considering taking a break from employment for awhile: Set aside 6 mos to 1 years ...
by Sandtrap
Mon Jan 15, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market
Replies: 4
Views: 497

Re: Timing the market

Pull the trigger.
Read about Bob.The Worst Market Timer
What happens if you only invested at market highs?
http://awealthofcommonsense.com/2014/0 ... ket-timer/
j :D
by Sandtrap
Mon Jan 15, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 41
Views: 3364

Re: Umbrella Policy - 1M or 2M

$220 more per year for 2 million of coverage is a lot of "sleep factor".
You have more to lose than the $220 in premiums.
I would get it.

j :D
by Sandtrap
Mon Jan 15, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein in 4 Pillars of Investing advises no Vanguard total international in taxable?
Replies: 2
Views: 464

Re: Bernstein in 4 Pillars of Investing advises no Vanguard total international in taxable?

I'mr reading through William Bernstein's excellent 4 Pillars of Investing, and was surprised to read that he advises not to hold Vanguard Total International fund (VTIAX) in a taxable account because "it is a fund of funds....as such it is not eligible for the foreign dividend tax exclusion", in ot...
by Sandtrap
Mon Jan 15, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Possible retirement?
Replies: 10
Views: 1044

Re: Possible retirement?

As previous poster's stated: you need at least $2,150,000 to retire at 65 with a 4% WR. Your spouse will continue to work so that will provide some margin at $15k/year over the next 6 years if she retires at 65. You are 60. So there will be some gap in medical expense as you go from company health p...
by Sandtrap
Mon Jan 15, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: have about 400k of new money coming in
Replies: 8
Views: 1290

Re: have about 400k of new money coming in

Welcome :D As "Grt2bOutdoors" commented: IMHO: without a comprehensive context relevant to your total financial status, there's no way to answer the question in a meaningful and actionable way that would be useful to you. Asking Portfolio Questions https://www.bogleheads.org/forum/viewtopic.php?f=1&...
by Sandtrap
Mon Jan 15, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 28
Views: 3180

Re: Budget multitool knife

. . . .
tighten the screws on eyeglasses, cut an orange. . .
. . and build a shopping mall :D

Leatherman Charge
https://www.amazon.com/gp/product/B000L ... UTF8&psc=1Image
by Sandtrap
Sun Jan 14, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 28
Views: 1317

Re: Recommend an A.C. powered auto tire inflator

When I ditched my run-flats, I got a Viair 70P that I keep in the trunk. It's DC but it's small, very quiet, and has a very accurate gauge. Best of all (for me), there is a brass chuck that threads onto the tire valve-stem so it's always a tight seal. And when you disconnect, you just lose a little...
by Sandtrap
Sun Jan 14, 2018 9:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 88
Views: 6879

Re: Post your Financial Milestone Announcements Here

Years ago, when our net worth was still negative, I set a goal of financial independence being $3.5M, or $140,000/yr at 4% withdrawal rate. Well we hit that number last week! Unfortunately, what I didn't realize all those years ago is that the goal should have been $3.5M in investable assets, not N...
by Sandtrap
Sun Jan 14, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 99
Views: 7924

Re: What is the best home exercise equipment?

For me it's been a shovel and a hoe, at least for the last 50 years. :D That's hard on the back. Isn't a shove and a hoe called a "Backhoe" in Texas? My Texas neighbor calls "home exercise". . . "chores". :shock: Actionably: I had a bowflex but it hurt my joints, gave it to my son. The single hand ...
by Sandtrap
Sun Jan 14, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 28
Views: 1317

Re: Recommend an A.C. powered auto tire inflator

Porter Cable 6 Gal. 150 PSI Portable Electric Pancake Air Compressor $99 Home Depot, Lowes, etc. https://i.imgur.com/VnM3isc.jpg Reroof house roof shingles, Roofers use this all day. Air Tires (get the attachment with the air gauge like at the service station) Use an Impact air wrench to take off ti...
by Sandtrap
Sun Jan 14, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?
Replies: 22
Views: 1447

Re: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?

UpperNwGuy wrote:
Sun Jan 14, 2018 7:36 pm
Sandtrap wrote:
Sun Jan 14, 2018 6:48 pm
I though there was some overlap and some redundancy. Please explain.
VBTLX is all Treasuries and corporates. VWIUX is all municipals. Hence, no overlap.
Right. :oops:
Brain fart.
thanks,
j :D
by Sandtrap
Sun Jan 14, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?
Replies: 22
Views: 1447

Re: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?

Does it matter much if I have 50% Total Bond VBTLX Admiral and 50% VWIUX Int Term Tax Exempt Admiral or 100% VWIUX tax exempt int term admiral? This is my plan, but I'm in the break-even 25% (now 24%) tax bracket. It is my understanding that these two funds have no overlap whatsoever, so I like the...
by Sandtrap
Sun Jan 14, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?
Replies: 22
Views: 1447

Re: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?

My rule of thumb is that 25% is the break-even for taxable versus tax-exempt bonds; that is, bonds of comparable risk will have comparable returns at a 25% tax rate. At a 32% tax rate, you can get higher returns for the same level of risk, or lower risk for the same return, so you should use all mu...
by Sandtrap
Sun Jan 14, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1294

Re: Anyone Gone All the Way with LastPass?

I have done so with 1Password
j :D
by Sandtrap
Sun Jan 14, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?
Replies: 22
Views: 1447

Re: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?

sambb wrote:
Sat Jan 13, 2018 9:39 pm
go all to tax exempt
Thanks.
Why all in and not a percentage of?
Is VWIUX (vanguard tax exempt int term) a good alternative??. I have read past threads.
j :D
by Sandtrap
Sat Jan 13, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 49
Views: 4628

Re: why do banks bother offering lousy CD rates?

I spoke to my personal banker about this once. She said that retirees are comfortable with what they've done for decades. Many have their entire retirement in CD's. A half percent increase sounds great to them. She also said it was mostly seniors who stick with banks and cd's. I don't know about els...
by Sandtrap
Sat Jan 13, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?
Replies: 22
Views: 1447

Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?

I am rebalancing and redeploying substantial funds into my portfolio that will put me into the 32% tax bracket. All Taxable Space. What I have now: Formerly Vanguard Total Bond Admiral (VBTLX) 100% Propose going 50/50 in Bond allocation with: 50% Vanguard Total Bond Admiral (VBTLX) and 50% Vanguard ...
by Sandtrap
Sat Jan 13, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: A few questions on taxable fund bond fund investments....
Replies: 18
Views: 1109

Re: A few questions on taxable fund bond fund investments....

IMHO the value of a bond fund in taxable space is relative to its place in the bigger, more comprehensive view of your portfolio. As "dbr" stated, a funds value has to be considered in context to the entire financial picture. If you post the question within the context of a portfolio review, the sug...
by Sandtrap
Sat Jan 13, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2375
Views: 439273

Re: What's Your Credit Card Rewards Strategy?

Amazon Platinum.
Points for purchases.
Contribution to "Jack Bogle Center. . " for using Amazon.smile.
j :D
by Sandtrap
Sat Jan 13, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 1953

Re: [Lightning rods for my house? Or too "old fashioned"?

In my area lightning bolts happen when it rains. So when a lightning hits my house and it rained on the dusty roof, aluminum siding, gutters and downspouts, it might only do little damage - I hope. I also have then those wet 100 ft pines 25 ft away. We have foothills and also a stream nearby. They ...
by Sandtrap
Sat Jan 13, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 7890

Re: How much/little money to give kids so they continue to work

I also have set up an "educational trust" for descendants. I don't every want a child to end up working at a lower job because he/she could not afford med school. This is my "priority in retirement", to grow this fund as much as possible. Sandtrap, I enjoy your posts and admire your goal to fund ed...
by Sandtrap
Fri Jan 12, 2018 11:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 88
Views: 6879

Re: Post your Financial Milestone Announcements Here

This will be a very fun thread.....congrats to all. We hit $2 million in assets last week for the first time. Subtract out the mortgage and a very low-rate student loan that I have no intention of paying off early, and our net worth hit $1.75 million for the first time. Financially secure, although...
by Sandtrap
Fri Jan 12, 2018 11:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 88
Views: 6879

Re: Post your Financial Milestone Announcements Here

My end-of-the-year Net Worth accounting shows that we joined the two comma club for the first time. That is total net worth, our retirement accounts are about $750,000, remainder is home equity. Age 61, never had a year with family income above 5 digits, so you can be financially independent on a m...
by Sandtrap
Fri Jan 12, 2018 11:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 88
Views: 6879

Re: Post your Financial Milestone Announcements Here

A humble BH here who needs some encouragement. I just hit $100,000 in net worth today! Not that much, but it was all done in less than 6 years (including periods of financial education). Started all the way from a near $0 net worth. 6 years is quick to accumulate that much in today's high cost worl...
by Sandtrap
Fri Jan 12, 2018 11:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 88
Views: 6879

Re: Post your Financial Milestone Announcements Here

Kudos to all who have and continue to reach their financial milestones. It is interesting as we (wife and I) hit each one in our lives I am disappointed I am not more excited. I remember the first one getting revved up for a couple weeks before in anticipation and thinking about it for weeks later....
by Sandtrap
Fri Jan 12, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Keep a rental condo
Replies: 36
Views: 2340

Re: Sell or Keep a rental condo

IMHO: sell.

j :D
by Sandtrap
Fri Jan 12, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 1953

Re: [Lightning rods for my house? Or too "old fashioned"?

"...My home in Northern Arizona is 3 stories high, stucco, concrete, ceramic/cementuous heavy tile roof, in the "\middle of 50 acres of flat land...." Short answer: you are a target. Longer answer: Depending on your home's framing and external wiring, you may not need further lightning protection. ...
by Sandtrap
Fri Jan 12, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 7890

Re: How much/little money to give kids in will so they continue to work

A parent trying to leave funds to a child in a prudent manner is in absolutely no way trying to "run their lives." How is it not? "You can have this money if you live your life of a way that I approve." I see people wanting to give money if children get married. Why? Marriage isn't for everyone, an...
by Sandtrap
Fri Jan 12, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 1953

Re: [Lightning rods for my house? Or too "old fashioned"?

I do storm spotting for the National Weather Service. While most of my training on lighting is about lightening safety , I have done further studies into lightening strikes. In short, while lightening rods may work, there's no guarantee they will, even if you have them installed. This is simply bec...
by Sandtrap
Fri Jan 12, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 1953

Re: [Lightning rods for my house? Or too "old fashioned"?

Since we're on the topic of lightning, here's one more thing for homeowners to worry about. Flexible Gas Lines a Possible Fire Hazard "Elizabeth George of Fishers, Ind., never gave much thought to her natural gas lines until lightning struck her neighbor's house in June and it burned to the ground....
by Sandtrap
Fri Jan 12, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 1953

Re: [Lightning rods for my house? Or too "old fashioned"?

Thanks, that's perfect.
The second link doesn't seem to work.
j :D
by Sandtrap
Fri Jan 12, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Retiree Emergency Fund Question - Income floor vs EF?
Replies: 13
Views: 760

Re: Yet another Retiree Emergency Fund Question - Income floor vs EF?

I never had something earmarked as an emergency fund. But -- I always had a decent allocation to cash/cashlike products. I do think retirees need to have an allocation to cash/cash-like products. While loss of job may not be something retirees are concerned about don't forget with the loss of human...
by Sandtrap
Fri Jan 12, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 1709

Re: Insurance: Who do you use? (Auto/Home)

flamesabers wrote:
Fri Jan 12, 2018 12:06 pm
I use USAA for auto, renters and umbrella insurance.
+1