Search found 10488 matches

by Sandtrap
Tue May 26, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Worst House on the best block?
Replies: 36
Views: 2051

Re: Worst House on the best block?

Speaking of bad location...... If the neighborhood is next to an industrial area with bars and “nightclubs” with blacked out windows, and all of the open walls and buildings and bridges have tags and spray paint graffiti, and most of the stores have bars on the windows, and the same dark cars with t...
by Sandtrap
Tue May 26, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 29
Views: 1443

Re: Simple jobs during FATFire?

Buy a 12 unit apartment building
Or better yet, 32 units.
Self manage and cut the lawns yourself.
That’ll keep you busy.😬

j🌺
by Sandtrap
Tue May 26, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 111
Views: 8174

Re: Pandemic buys that have improved quality of life?

02nz wrote:
Tue May 26, 2020 12:33 pm
Sandtrap wrote:
Mon May 25, 2020 1:45 pm
Roshizuku something rice cooker (upgraded old rice cooker) awesome!
I presume you meant Zojirushi (or maybe Roshizuku is a knock-off? :happy). We got one recently as well and it's indeed awesome.
Zojirushi ichiban

j🌺
by Sandtrap
Tue May 26, 2020 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 70
Views: 3144

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

Choose your child’s peer group.
From that will be lifelong friends heroes and mentors.

Which school has the best for your child from the above?

j🌺
by Sandtrap
Tue May 26, 2020 9:27 am
Forum: Forum Issues and Administration
Topic: Bogleheads' Reading Strategies for Boglehead Forums
Replies: 16
Views: 953

Re: Bogleheads' Reading Strategies for Boglehead Forums

Once or twice a day I try to stop by: Quick Links > Unanswered Topics I don't click the 'hamburger' that much (three horizontal lines) so don't believe I've ever clicked on that. I generally go to bogleheads.org too as its nice to see a variety of topics. If I am following an item, that is also a p...
by Sandtrap
Tue May 26, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Worst House on the best block?
Replies: 36
Views: 2051

Re: Worst House on the best block?

As long as you are not buying a “White Elephant” surrounded by far nicer homes. As for the best house in a marginal or lacking neighborhood. Pass on that. Likely Owner overvalued and you will pay too much. Is this a permanent forever home or a transition home or a potential “flipper” or future renta...
by Sandtrap
Tue May 26, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: Painting the house//estimates and experiences
Replies: 16
Views: 1029

Re: Painting the house//estimates and experiences

3 quotes from reputable “licensed” painting contractors. Written proposals from each Job contract with Project specs, payment schedule and start and completion date. Written and agreed upon in contract: project specs: area protection, surface prep and repair and prime, finish with what brand paint a...
by Sandtrap
Tue May 26, 2020 7:47 am
Forum: Personal Investments
Topic: [Is an Investment Policy Statement needed? How do I write one?]
Replies: 14
Views: 220

Re: POLL: Do you have a written investment plan?

Apologies I just saw I hijacked the thread. I just joined the forum this March and leading the ropes. My apologies. You didn’t quite hijack it but simply bumped it up. It’s a subject that benefits everyone and reminders are good. Consider posting your own thread to get help formulating your own IPS...
by Sandtrap
Tue May 26, 2020 7:39 am
Forum: Personal Investments
Topic: [Is an Investment Policy Statement needed? How do I write one?]
Replies: 14
Views: 220

Re: POLL: Do you have a written investment plan?

I’m trying to write a simple investment plan and have read the wiki and still am stymied. Do many find an IPS essential and how to do one? Although the WIKI has detailed instructions for an IPS, search the forum archives for "IPS" Personal Investment Policy, etc, for examples from simple to complex...
by Sandtrap
Tue May 26, 2020 7:31 am
Forum: Personal Investments
Topic: Buy CDs with credit card or debit card?
Replies: 12
Views: 869

Re: Buy CDs with credit card or debit card?

You have 3 Gift Cards $200 each Given the marginal (next to nothing) interest rates now, and having to lock up your money for a specific time period, it would seem to have the best overall benefit to: Spend the gift cards on monthly expenses: gas, groceries, RX Medications if any, tools and home imp...
by Sandtrap
Tue May 26, 2020 7:22 am
Forum: Non-US Investing
Topic: How to invest $1.2M for the next 10-15 years [Switzerland]
Replies: 24
Views: 1983

Re: How to invest $1.2M for the next 10-15 years [Switzerland]

Hi there, I am new to the forum but I've been reading it for a while. I would love your inputs on my case, I am new to investing and I definitely need some help understanding if what I have in mind is right. A bit about me: I am 35 and I've been running companies in the last years. I've sold a bit ...
by Sandtrap
Mon May 25, 2020 4:51 pm
Forum: Forum Issues and Administration
Topic: How search a two-word phrase?
Replies: 7
Views: 561

Re: How search a two-word phrase?

Also
+must.
For must have that word over other words.(plus sign)
-omit
For words to leave out (minus sign)
And combine either of them plus “quotes” to narrow a search.
+EJ
“Edward Jones”

j🌺
by Sandtrap
Mon May 25, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 111
Views: 8174

Re: Pandemic buys that have improved quality of life?

Came in handy during the pandemic and huge convenience. Large upright freezer (bought pre pandemic) in garage. Medium refrigerator/freezer (kept in garage after upgrading kitchen frig) Bread maker (pandemic buy and possible cause of weight gain) :oops: Roshizuku something rice cooker (upgraded old r...
by Sandtrap
Mon May 25, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 108
Views: 7368

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by Sandtrap
Mon May 25, 2020 11:21 am
Forum: Forum Issues and Administration
Topic: Bogleheads' Reading Strategies for Boglehead Forums
Replies: 16
Views: 953

Re: Bogleheads' Reading Strategies for Boglehead Forums

Primary goals are: learn and contribute. Helpful is a plus. 1 Scan the bogleheads.org post/thread list. 2 Read threads that I can learn from. Exchange if needed or questions. Especially if from senior members with solid input. 3 Review posts that I can contribute if in my experience, knowledge, etc....
by Sandtrap
Mon May 25, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Worried about sibling financial future
Replies: 31
Views: 3912

Re: Worried about sibling financial future

Communication is a person’s choice. Equal and open reciprocal “tit for tat give and take” communication is by choice and also capability (willingness and ability). For example: You send a 20 sentence sharing email to sibling or friend. Response: “that’s nice”. You receive Yearly birthday and holiday...
by Sandtrap
Mon May 25, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 86
Views: 4022

Re: Tips to stick to a weight loss diet?

For me, the only thing that works consistently is counting calories (portion control). I stuck to 1500 calories per day for awhile and lost a lot of weight, however as others have mentioned I stopped tracking and gained a bit back. I've repeated this cycle a few times. The last time I adjusted upwa...
by Sandtrap
Mon May 25, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 52
Views: 2358

Re: What to look for when buying a table saw?

OP: a helpful path to enter woodworking is getting to know “your” tools, equipment, and capabilities. Way back when, the Union apprenticeship program for finish carpenters had working Adult students make their own sawhorses (compound angles and mitres), nail boxes (cabinet joinery), and custom wood ...
by Sandtrap
Sun May 24, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 421
Views: 30733

Re: Retirement Friendly States

Hawaii has great beach and resort weather year round. Wonderful if you are visiting. Wonderful to live there as long as one is adaptable. Though it may be the 51 'st state, it is a bit different than the USA. However, living in Hawaii is interesting: Unique Island Culture and Hawaii-centric points o...
by Sandtrap
Sun May 24, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 108
Views: 7368

Re: If Jeep has such poor reliability, how come they are everywhere?

From an off road and trail perspective: I have a 4wd Truck that goes most places, great in the snow. And, for more serious exploring, DW and I have a Yamaha Rhino Side By Side which is also great for around the property, chores, arena maintenance, etc. It goes up to 50 mph and up and down most every...
by Sandtrap
Sun May 24, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: Advice? How to stop mud swallow nesting under the house eaves and walls?
Replies: 8
Views: 586

Re: Advice? How to stop mud swallow nesting under the house eaves and walls?

Never seen those, are those as hard to destroy as a wasp nest? Soft mud then hardens up. The swallows are diligent. At least 1000 mud pellets to make a nest. It hardens up more and more the longer the nest sits there. And, if it is left alone, the swallows will return to the same nest year after ye...
by Sandtrap
Sun May 24, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Advice? How to stop mud swallow nesting under the house eaves and walls?
Replies: 8
Views: 586

Advice? How to stop mud swallow nesting under the house eaves and walls?

My home is being attacked again this Spring. :shock: :shock: Our home is 3 stories high and surrounded by very large areas of land and a running stream about 500 yards away. Thus, a perfect place for "Mud Swallow" bird nesting. Some years it can get pretty bad. DW and I made a long PVC pipe sprayer ...
by Sandtrap
Sun May 24, 2020 3:08 pm
Forum: Investing - Theory, News & General
Topic: Businesses that are permanently destroyed due to COVID?
Replies: 34
Views: 2703

Re: Businesses that are permanently destroyed due to COVID

I saw an article that mentioned many local theater companies that put on plays will not survive. Movie theaters were also struggling so there may be fewer of them. It probably just wishful thinking but I would be happy to see the new car dealership with salespeople business model go away if people ...
by Sandtrap
Sun May 24, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 86
Views: 4022

Re: Tips to stick to a weight loss diet?

I guess a better question is, what are some tips to help stick to a weight loss (and then maintenance) way of eating? I do not want this discussion turning into medical advice that will get this locked. It's so easy to give into temptation. Any suggestions? 1 (way of eating) Portion control. Learn ...
by Sandtrap
Sun May 24, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 86
Views: 4022

Re: Tips to stick to a weight loss diet?

My suggestion is to turn eating from something pleasurable into something that you simply need to do every day to live. Find pleasure in another outlet. Wow. Just wow. I think this is the key. Thank you. It probably works (if one can do it), but seems so sad. Eating is pleasurable. Again, try eatin...
by Sandtrap
Sun May 24, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 86
Views: 4022

Re: Tips to stick to a weight loss diet?

I recently lost over 50 pounds. Intermittent fasting 16/8 rule (basically skipping breakfast and only eating during an 8 hour window - and that is strict, not one calorie outside that window. Not even a stick of gum or milk in your coffee) The other thing was I saw how sedentary I was. I always hav...
by Sandtrap
Sun May 24, 2020 8:11 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 108
Views: 7368

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by Sandtrap
Sun May 24, 2020 8:07 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 52
Views: 2358

Re: What to look for when buying a table saw?

I bought a Dewalt DWE749 jobsite saw last year to start building outdoor furniture when I couldn't find anything I liked and decided to make my own. First project was an outdoor TV cabinet to hold a 55" LCD that came out great using basic dimensional lumber. This week I put together an end table fr...
by Sandtrap
Sun May 24, 2020 7:55 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 52
Views: 2358

Re: What to look for when buying a table saw?

Don't do what I did and buy a $100 no name brand on a super sale at Lowes/Home Depot. Piece of junk. The biggest concern is the fence. It doesn't hold well, nor does it automatically align correctly in parallel with the blade. This can easily lead to binding, which can lead to kickback, etc. I find...
by Sandtrap
Sun May 24, 2020 7:50 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 52
Views: 2358

Re: What to look for when buying a table saw?

Suggestion for handling sheet material and not having a table saw that will precision cut large sheets. Have the supply house or lumber yard cut up your needed sheet material into sections (slightly larger) that you will need for the project. Layout carefully so as not to waste material. IE: (simpli...
by Sandtrap
Sun May 24, 2020 7:40 am
Forum: Personal Finance (Not Investing)
Topic: What do people spend money on?
Replies: 52
Views: 4857

Re: What do people spend money on?

For the Original Poster (OP) 1 What would you do with the money? (3.6 million dollars plus) 2 Should I just stay on this current path? 3 I know this is a time of great uncertainty and maybe it’s best to just be conservative. Also when I look at big purchases I know they will make me excited for a co...
by Sandtrap
Sat May 23, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: Help me identify these metal hooks left in my shed by the previous owner.
Replies: 6
Views: 1271

Re: Help me identify these metal hooks left in my shed by the previous owner.

No. Absolutely not. These vintage ones were made for wooden ladders with round rungs. Buy new aluminum "ladder jacks" rated for your use level. And, quality aluminum plank scaffolding to match. Reconsider if you are not used to a setup like that. Safety level is nowhere near a regular scaffolding se...
by Sandtrap
Sat May 23, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: What do people spend money on?
Replies: 52
Views: 4857

Re: What do people spend money on?

Is there an actionable financial question here?

Unsure.
j :happy
by Sandtrap
Sat May 23, 2020 3:51 pm
Forum: Investing - Theory, News & General
Topic: How do the super-rich get their equity exposure?
Replies: 6
Views: 975

Re: How do the super-rich get their equity exposure?

I know or have known a number of folks worth North of 25 million.
All have diversified across the board some mix of the following:
Retail or wholesale businesses.
Real estate income property and holdings—residential and commercial. (Very common)
Market portfolio holdings, funds, etc.
Etc
Etc.

j🌺
by Sandtrap
Sat May 23, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9123

Re: Personal spending out of control after Covid-19

unclescrooge wrote:
Sat May 23, 2020 3:36 pm
jebmke wrote:
Sat May 23, 2020 3:27 pm
unclescrooge wrote:
Sat May 23, 2020 3:03 pm
Kids are 3 and 5.
Surprised they like ghost pepper chips.
LOL, no those are for me. I figured if I was going to eat chips I might as well eat the ones I like.
The trick is to find foods and goodies that the kids don’t like. Otherwise, you’ll never get so much as a bite of it.

j🌺
by Sandtrap
Sat May 23, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9123

Re: Personal spending out of control after Covid-19

I am going to blame 15 pounds of weight gain on the Covid-19 issue.

And the ongoing forum thread: “What have you baked lately”😳

Either spend on new clothes or lose weight😬

So there.😉

j🌺
by Sandtrap
Sat May 23, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Mattress for Side Sleepers
Replies: 8
Views: 534

Re: Mattress for Side Sleepers

$3000 dollar high end mattress, hypo allergenic, 2 inch pillowtop or something like that. 3/4 inch plywood sheet on my side. 1/2" sheet on DW's side. Flex lathe board platform bed system underneath.$$$ Works wll for flat and side sleeping. Tried the various "foam" based beds. Either toxic, outgassin...
by Sandtrap
Sat May 23, 2020 9:36 am
Forum: Personal Investments
Topic: Does larger portfolio make one more or less risk tolerant
Replies: 25
Views: 1946

Re: Does larger portfolio make one more or less risk tolerant

Less risk tolerant.
The larger ones portfolio|net worth/assets......
.....The more one has to lose than to gain by taking risk.

j🌺
by Sandtrap
Sat May 23, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Subaru Outback vs deer
Replies: 21
Views: 1817

Re: Subaru Outback vs deer

3 quotes.
Insurance
Do the repair by the book with great results.
This is a new car.
Different if it was a 1970’s Ford Maverick 😬

j🌺
by Sandtrap
Sat May 23, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 52
Views: 2358

Re: What to look for when buying a table saw?

I’ve owned a couple of table saws in the past to do hobbyist level wood working and furniture making. The first was a small craftsman model. A lot of other brands make similar, it probably cost under $200. It was absolutely, 100% dangerous. I have no idea how you could even use it safely. And since...
by Sandtrap
Sat May 23, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: Warning: Virginia State Inspection
Replies: 38
Views: 3704

Re: Warning: Virginia State Inspection

Folks, Be very careful as to where you bring your older car for Virginia State Inspection. If the car mechanic rejects your car inspection and put in all kind of stuff that you need to fix, you have to fix it. You cannot bring your car to some other places and reinspect without fixing the problems....
by Sandtrap
Sat May 23, 2020 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 45
Views: 4568

Re: Something Fishy Here??

DW and I just got a physical check in the mail.
Had we gotten a debit/credit card such as the OP, we also would have thought it was as fishy as a stale can of Tuna.

j :happy
by Sandtrap
Sat May 23, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 86
Views: 4022

Re: Tips to stick to a weight loss diet?

More than a temporary "weight loss diet". . . how about a healthy and nutrional eating "lifestyle" that can be maintained daily, monthly, yearly, for life? *Not dietary or medical information. ** A comparison of 2 overall approaches/views toward "food" and "eating". Such as: Lean fish, chicken, prot...
by Sandtrap
Fri May 22, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19204

Re: What is your most luxury/expensive hobby.

DW and I are both professional photographers. So, 2 full frame bodies for each of us on locations, "L" zooms and prime lenses, and all the other stuff. Also, a full size photo studio with lighting, etc. We have our portfolio's at various stock sites online, Getty, Adobe, Shutterstock, etc. Also do l...
by Sandtrap
Fri May 22, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19204

Re: What is your most luxury/expensive hobby.

Resort and Golf in Hawaii, although a tad more affordable if one is a resident or visiting family. (kamaina rates) Westin Hapuna Beach Resort: Big Island. Hawaii. Accommodations far better than Mauna Kea Resort. (one of our favorite places thru the years), great golf packages. The seafood buffet is...
by Sandtrap
Fri May 22, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: Better to rent through Airbnb or VRBO?
Replies: 10
Views: 894

Re: Better to rent through Airbnb or VRBO?

I've had both good and lousy experiences with both. It depends on the individual property and owner/renter. The disadvantage of both is if the unit is a bad experience and you want to leave mid rental. You can't just leave and be paid to date such as if you were staying at a resort or hotel, etc. j ...
by Sandtrap
Fri May 22, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19204

Re: What is your most luxury/expensive hobby.

Resort and Golf in Hawaii, although a tad more affordable if one is a resident or visiting family. (kamaina rates) Westin Hapuna Beach Resort: Big Island. Hawaii. Accommodations far better than Mauna Kea Resort. (one of our favorite places thru the years), great golf packages. The seafood buffet is ...
by Sandtrap
Fri May 22, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19204

Re: Hawaii Inter Island Resort Golf

Playing all the different resort golf courses over the Hawaiian Islands. Resorts can be lavish. Service and accomodations outstanding. Course conditions, PGA Tour quality. Prices: "Kamaina Rates" with resort and green fees, etc, helps a lot. Lost balls: too many. Memories: Priceless Most Hawaii mou...
by Sandtrap
Fri May 22, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 52
Views: 2358

Re: What to look for when buying a table saw?

You won't be happy with a cheap table saw if you intend to make cabinets. The surface area of the table is too small to safely deal with sheets of 3/4" plywood. You can do a lot with an inexpensive table saw if you also get a track saw to go with it. You can save some money on the track saw and get...