Search found 5420 matches

by Sandtrap
Sun Dec 09, 2018 11:10 am
Forum: Forum Issues and Administration
Topic: search for a 'phrase' and not 'keywords'?
Replies: 4
Views: 146

Re: search for a 'phrase' and not 'keywords'?

Similar to "Google" search parameters.
Use quotation marks.
IE:
"ACA Cliff"
"Penalty Clause"

can also be combined with +
IE:
+subsidy, "ACA Cliff"
by Sandtrap
Sun Dec 09, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Simple Plan for Money Needed in 18 months to 7 Years
Replies: 7
Views: 835

Re: Simple Plan for Money Needed in 18 months to 7 Years

In increasing levels of duration and decreasing levels of liquidity and volatility. All with security of principal. Money Market, High Yield Accounts, CD Ladder (short/intermediate term), Treasuries (short/intermediate term), Muni's, etc. https://i.imgur.com/pb88lcl.png?1 I like the idea of investi...
by Sandtrap
Sat Dec 08, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Stressed/Job loss/Retirement possible?
Replies: 34
Views: 3797

Re: Stressed/Job loss/Retirement possible?

Excellent posts by "btenny", "delamer" and "watty". Also: search the forum archives for the following: 1. ACA Subsidy Cliff 2. Sequence of Returns Risk 3. Retirement Red Zone (kitces) As others have wisely stated and suggested: 1. Income supplement/employment until Social Security. 2. Part time/empl...
by Sandtrap
Sat Dec 08, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 45
Views: 6788

Re: We Are Teetering on the Edge of A DEATH CROSS

Sounds like a bad '70s movie. "In a world where gangs run wild and justice turns a blind eye, one priest must put down his collar and make a stand. Charles Bronson is Father Brock McSteele in... DEATH CROSS!" I think you're mistaken. That sounds like an AWESOME '70s movie! With a "disco" (Bee Gees?...
by Sandtrap
Sat Dec 08, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 105
Views: 4005

Re: Do long-term bonds belong in one's portfolio?

Vanguard Total Bond Duration distribution:
Image
by Sandtrap
Sat Dec 08, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Simple Plan for Money Needed in 18 months to 7 Years
Replies: 7
Views: 835

Re: Simple Plan for Money Needed in 18 months to 7 Years

In increasing levels of duration and decreasing levels of liquidity and volatility.
All with security of principal.
Money Market, High Yield Accounts, CD Ladder (short/intermediate term), Treasuries (short/intermediate term), Muni's, etc.
Image
by Sandtrap
Thu Dec 06, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 139
Views: 11741

Re: Who else is getting excited?

Uncertain about getting excited. :?:
Maybe I'll get excited. :happy
Okay.
Waiting to get excited . . . .. . :|
. . . . nothing happening yet. . . . :shock:
by Sandtrap
Thu Dec 06, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6765

Re: Anybody Miss the Crypto Rage on BH Forums

I think you're right. Real estate has a longer tenure for building wealth than really any other medium. Real estate has some very favorable tax laws writing off deprecation and expenses. It is not something to dabble in though as the big boys will crush you like a grape. Posts and threads by "denov...
by Sandtrap
Thu Dec 06, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6765

Re: Anybody Miss the Crypto Rage on BH Forums

Bitcoin and "crypto" is are either "flash in the pans" (betamax) or way way ahead of their time (Apple, DOS, Yahoo, Netscape).

But . . . which one? :shock:
by Sandtrap
Wed Dec 05, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Considering residential real estate investment
Replies: 74
Views: 5022

Re: Considering residential real estate investment

I am a real estate consultant and have practiced for over 40 years. My simple advice is to stay away from real estate investments unless you are very sophisticated. Purchasing individual units either ,multiple family or single family is not desirable unless you have a lot of cash to dispose of and ...
by Sandtrap
Tue Dec 04, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Crawl Space Fixin's - Do you really need it?
Replies: 20
Views: 2125

Re: Crawl Space Fixin's - Do you really need it?

1. Repairs adequate to eliminate standing water.
2. Sell
by Sandtrap
Tue Dec 04, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Considering residential real estate investment
Replies: 74
Views: 5022

Re: Considering residential real estate investment

I'm considering purchasing a condominium with cash in a college town (professional area, not college kids) that costs $200,000 (including cost for renovations). The property would be valued around $230,000 after renovations. I would like to then rent the property for a steady source of income. I am...
by Sandtrap
Tue Dec 04, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 32
Views: 4399

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

Stock market is high. CAPE ratios high. Unemployment is at 10 year low. Housing near a bubble. Recession on the horizon in a year or so. Most experts predicting much lower stock market returns over the next ten years. Seems like a lot of risk and very little reward to be in the stockmarket over the...
by Sandtrap
Tue Dec 04, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on this mix
Replies: 4
Views: 278

Re: Thoughts on this mix

Please post the fund names next to the "tickers".
It would be helpful to post in this format. (more comprehensive responses)
Forum format:
https://www.bogleheads.org/forum/viewt ... =1&t=6212
(you can edit the original post with the pencil icon)
:D
by Sandtrap
Mon Dec 03, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Rules of thumb for allocation/exposure
Replies: 29
Views: 2178

Re: Rules of thumb for allocation/exposure

Start with a "Rule of Thumb".
End with "Rule of "Your" Thumb".

What allocation would allow "you" to sleep at night should your portfolio drop in value 50% ??
by Sandtrap
Mon Dec 03, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 30
Views: 2473

Re: Renting out 1st first home; how to get mortgage for second?

Loan companies will also look at your ability to pay the existing mortgage "without rent", as well as qualify and pay for the new mortgage.
by Sandtrap
Mon Dec 03, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Garage door openers - please compare Chamberlain B970, B980, B1381?
Replies: 24
Views: 1847

Re: Garage door openers - please compare Chamberlain B970, B980, B1381?

I need double door garage door openers, this 3/4 HP is likely under power. This is a common misconception. Double doors don't need more than a 1/2 HP opener. What they DO need is to be balanced correctly with properly sized springs with tracks and hardware in good repair. My double door weighs 550 ...
by Sandtrap
Mon Dec 03, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Garage door openers - please compare Chamberlain B970, B980, B1381?
Replies: 24
Views: 1847

Re: Garage door openers - please compare Chamberlain B970, B980, B1381?

Just built a new shop building.
Trying out the Liftmaster 8500 "jack shaft" garage door opener.
No center track. Mounts directly to main shaft.
A bit $$$$$$.
Hope it works well.
by Sandtrap
Sun Dec 02, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 79
Views: 10263

Re: Too Much Savings Regret

Reading a recently, now closed topic on the merits/satisfaction (for/against) of spending money on vacations, lead me to this thought: Are there any retired Bogleheads out there who sacrificed vacations/hobbies/personal enjoyment to focus on savings for retirement only to realize that you have more...
by Sandtrap
Sun Dec 02, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3373

Re: My kid's retirement

Your duty as a parent is to allow the child to grow and develop to be a self-sufficient adult. There's a whole lot of things that will happen in his/her life before he/she retires. A fully-funded college fund can be far more valuable to the happiness and welfare of your child than a retirement fund...
by Sandtrap
Sun Dec 02, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: What is the lowest 'safe' emergency fund we should have?
Replies: 40
Views: 3831

Re: What is the lowest 'safe' emergency fund we should have?

Much like portfolio allocation, an Emergency Fund amount has as much to do with your "sleep factor/comfort zone" as it does with whatever numbers can be put on a spreadsheet. In your position, 3-6 months might seem reasonable or more than reasonable to some, or inadequate to others. "By the Numbers"...
by Sandtrap
Sun Dec 02, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Is this how early semi-retiring work?
Replies: 13
Views: 2510

Re: Is this how early semi-retiring work?

Say I accumulate to a certain age and semi-retire early (work less and more desired job regardless of little pay - assume it's just any random hourly rate job, but not a professional JOB). At that point, accumulation slows down drastically. I save little but with a low overhead lifestyle (and fruga...
by Sandtrap
Sun Dec 02, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Manager suddenly passed away - New manager ethical dilemma
Replies: 23
Views: 4018

Re: Manager suddenly passed away - New manager ethical dilemma

1. Keep your Director "in the loop", voice your concerns (without whining or causing further damage). 2. Implement an "emergency exit strategy" to include; exploring other job options, getting finances in order, talking privately to your HR Dept. about layoff concerns (etc), etc. 3. Exploring possib...
by Sandtrap
Sun Dec 02, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Where to put "left over" money
Replies: 18
Views: 1804

Re: Where to put "left over" money

High Yield Account (already doing this). When this reaches far above needed cash requirements, and EF requirements, then >>>> >>>> Short Term CD (if interest is higher than the above). Short Term Treasuries (" ") then >>>> >>>> When this reaches your set threshold, Non tax advantaged space (taxable)...
by Sandtrap
Sun Dec 02, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3919

Re: Please Recommend a New Car for Me

Toyota - Corolla - Rav4
Honda - CRV - Civic
Subaru - Forester
by Sandtrap
Fri Nov 30, 2018 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Real estate property management company recommendation
Replies: 4
Views: 343

Re: Real estate property management company recommendation

unclescrooge wrote:
Fri Nov 30, 2018 12:08 am
ny_rn wrote:
Thu Nov 29, 2018 11:56 pm
https://www.biggerpockets.com
I didn't know why people keep recommending this site. It's impossible for a neophyte to distinguish between legit companies and sharks on it.
+1
by Sandtrap
Thu Nov 29, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 2718

Re: Remodeling - tipping?

Hi All, We are in the final week or so of a major remodel (kitchen, dining room, living room, repainting 50% of inside of house etc), which involved designer, GC (who did most general work personally), electrician, plumber, painter, and a host of other specialists. Are we expected to tip? The whole...
by Sandtrap
Thu Nov 29, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Invest, or save for potential expenses?
Replies: 5
Views: 526

Re: Invest, or save for potential expenses?

Invest in yourself. 1. Education. 2. Employable skillsets. 3. "Financial Independence". 4. Renting a place of your own. 5. *Finding your passion. Read: "Life Code: The New Rules for Winning in the Real World", Phil McGraw. https://smile.amazon.com/Life-Code-Rules-Winning-World/dp/1939457068/ref=tmm_...
by Sandtrap
Thu Nov 29, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: The "lure" of working from home vs getting a better job
Replies: 20
Views: 2086

Re: The "lure" of working from home vs getting a better job

I wouldn't hurt to "shop around" as you don't know other options until you find them.
When the right opportunity comes up that fits your needs, the decisions will be easier.
j
by Sandtrap
Wed Nov 28, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6188

Re: Broken Sewer pipe - $10,000 to fix

As the area of excavation is under the home, near the perimeter, there is the issue of structural integrity to the foundation and footings.
Caution. :shock:
by Sandtrap
Wed Nov 28, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: What's your safety number?
Replies: 24
Views: 2364

Re: What's your safety number?

After funding our savings goals we typically split any extra in half with about 1/2 going towards more savings and 1/2 going towards doing things we want to do. Over the years we have had a very extensive list of things we wanted to do and found that the split 'rule' was very motivating. Do not liv...
by Sandtrap
Wed Nov 28, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?
Replies: 48
Views: 2596

Re: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?

Is it okay to avoid bonds in a small, young investment portfolio? And if so, for how long? Or is this just a faddish attitude of the current economic climate? Ask yourself how you would feel if the value of your portfolio dropped 50-80%. Everyone is different in this reaction. The resultant "sleep ...
by Sandtrap
Wed Nov 28, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 148
Views: 8471

Re: How did YOU choose your career?

Retired.
Still don't know what I want to be when I "grow up". :shock:

I think I can finally decide on some things. Law school. MD., Architectural Engineering.
But, I'm running out of time. :oops:
by Sandtrap
Wed Nov 28, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Calling all 50-60 year old homeowners with kids/families
Replies: 36
Views: 4143

Re: Calling all 50-60 year old homeowners with kids/families

1. No regrets.
2. No regrets.
Concurrently do both. Funds toward home improvement, lifestyle improvement, and saving/investing.
by Sandtrap
Wed Nov 28, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What's your safety number?
Replies: 24
Views: 2364

Re: What's your safety number?

Contributing all available resources after cost of living expenses (within reason) toward retirement and savings is also a good option. Nothing disposable. :D

Imagine if "disposable" income were applied toward building up alternative income streams, ie: property rentals, etc.
by Sandtrap
Wed Nov 28, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Leveling basement floor
Replies: 15
Views: 1077

Re: Leveling basement floor

Leveling a floor with leveling compound can have poor long term results if done poorly, so take the time/money to do it or have it done correctly. As an option, if the basement floor is not level only in certain areas, consider hiring a concrete coring company to grind and resurface the high spots. ...
by Sandtrap
Wed Nov 28, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Pay Myself
Replies: 3
Views: 672

Re: Pay Myself

1 option
Increase your emergency fund to 1 year plus. (or enough to cover loss of income until you finish school).
High Yield Account.
CD ladder (brokered or not).
Short term treasuries.
by Sandtrap
Wed Nov 28, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Trustee of inherited business
Replies: 62
Views: 2657

Re: Trustee of Inherited Business continued

"Depending" on the provisions of the trust, all beneficiaries can unanimously agree to a provision change (which might include a sale and dispersement of proceeds). Highly recommend you talk this over with legal counsel. Sometimes, if not often, the end result is a decision between keeping family in...
by Sandtrap
Tue Nov 27, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Should I go back to my 6 figure job?
Replies: 20
Views: 2385

Re: Should I go back to my 6 figure job?

If you took finances out of the picture, which job makes you happier every day that you go to work? (glad to be there) :D

As a 3rd alternative, besides "either or", have you considered finding a job that has all the things you want in a job (pay, benefits, hours, autonomy, etc)???

j
by Sandtrap
Tue Nov 27, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6188

Re: Broken Sewer pipe - $10,000 to fix

UHCOL area. Tenant dumped aquarium sand down the toilet, with chunks of crushed coral. (said it was from previous tenant. . . of course). Debris travelled to main lateral servicing 6 rental units and stopped. Video camera showed it completely stuck. Large drain snake unable to clear. Concrete "corin...
by Sandtrap
Mon Nov 26, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Do I need a financial advisor?
Replies: 16
Views: 1387

Re: Do I need a financial advisor?

Some actionable suggestions and thoughts to ponder: 1. Do you have a Trust with a provision to have your successor trustee manage your financial affairs when you are not able to. (option: corporate or co-corporate trustee, i.e.: Vanguard, etc). 2. Talk to Vanguard VPAS services. Gather info. Fees ar...
by Sandtrap
Mon Nov 26, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: What do bogleheads think of small cap value?
Replies: 37
Views: 3205

Re: What do bogleheads think of small cap value?

Is the 10% tilt to Small Cap Value worth the additional volatility?
Search prior threads on this.
by Sandtrap
Mon Nov 26, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: $724k in debt and I want to buy a home.
Replies: 54
Views: 6458

Re: $724k in debt and I want to buy a home.

Actionable Suggestions. 1. Rent until 2022 2. Pay down higher interest loans first, asap. 3. Build up Emergency Fund, short/intermediate term assets. 4. Read: Outline of Investing https://www.bogleheads.org/wiki/Outline_of_investing Outline of Financial Planning (with links) https://www.bogleheads.o...
by Sandtrap
Sun Nov 25, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Financial Advisor (Advice Please!)
Replies: 16
Views: 2019

Re: Inheritance and Financial Advisor (Advice Please!)

Some random thoughts that may be useful to you: 1. Delete Financial Advisor via polite email or other notice. 2. Edit your original post in this format for a comprehensive portfolio review and suggestions to restructure as needed. 3. Read: Managing a Windfall https://www.bogleheads.org/wiki/Managing...
by Sandtrap
Sun Nov 25, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: YTD 15% capital loss. What is next?
Replies: 27
Views: 2505

Re: YTD 15% capital loss. What is next?

1. As suggested earlier. Please edit your original post (pencil icon) in this format for a comprehensive portfolio review. Again. Put fund names next to "tickers" and percent of total. Asking Portfolio Questions Format https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 2. Here's a first step....
by Sandtrap
Sun Nov 25, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: water drips from bathroom vent
Replies: 10
Views: 1080

Re: water drips from bathroom vent

Is the other bathroom directly above this bathroom?
j
by Sandtrap
Sat Nov 24, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: New “career” after business life?
Replies: 4
Views: 1170

Re: New “career” after business life?

Looks like you're on track for 2019.
:sharebeer
by Sandtrap
Sat Nov 24, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4768

Re: Should I sell my house?

You have things well thought out and logically presented it.
Based on that and the facts presented.
Definitely.
Sell.

However.
1. Have and exit plan.
2. Be financially prepared for whatever might arise in the new location.

"JGoneRiding" and "Dottie" both have excellent views as well.