Search found 2378 matches

by Sandtrap
Wed Nov 22, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: How do you define success in your life?
Replies: 9
Views: 148

Re: How do you define success in your life?

Enduring the intangible.. .
Overcoming the unquantifiable.. .
Achieving the immeasurable.. ..
Experiencing the indescribable.. . . .
j
by Sandtrap
Wed Nov 22, 2017 12:54 am
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember: A Bit of Bogleheads History
Replies: 7
Views: 645

Re: A Thanksgiving to Remember: A Bit of Bogleheads History

Wonderful story.
Happy Thanksgiving to all.
mahalo,
j :D
by Sandtrap
Wed Nov 22, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 33
Views: 2289

Re: Advice to become wealthy

Real estate is a great way for those who dor or don't have a great salary to get rich. Buy a multifamily with mortgage. Living in one and rent the other to pay off mortgage early. Then buy another and do the same with the last multifamily 2 units speeding up paying off the current. Rinse and repeat...
by Sandtrap
Tue Nov 21, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Are you your own worse enemy when it comes to investing?
Replies: 29
Views: 1796

Re: Are you your own worse enemy when it comes to investing?

Reading through all the various threads on the market is about to crash, liability matching won't work or a comet will hit the earth the day after you retire so quit now, has made me begin to wonder. Are most of the problems we face as investors real or fabrications we create to justify the way we ...
by Sandtrap
Tue Nov 21, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Tipping contractors?
Replies: 15
Views: 991

Re: Tipping contractors?

Never got a tip in 40 years as a General Contractor. Buying lunch for the crew is always nice. Or a large box of Cosctco pastries or such. And, I've never tipped the subcontractors either. Though a box of treats to the owner or boss is nice.
Tipping is for Denny's.
by Sandtrap
Tue Nov 21, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Tipping contractors?
Replies: 15
Views: 991

Re: Tipping contractors?

Case of beer to each. No money. Gesture vs monetary
by Sandtrap
Tue Nov 21, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: "Got $1 million to retire? Here’s how long it will last, by U.S. state"
Replies: 36
Views: 6024

Re: "Got $1 million to retire? Here’s how long it will last, by U.S. state"

Interesting way to look at cost of living. Thanks for sharing. Agree that there are probably some flaws in their methodology as far as getting $1M to last. I'll be there are lots of people in Hawaii who retired on less than that! There was a calculation some time ago that said that a Hawaii residen...
by Sandtrap
Tue Nov 21, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 116
Views: 6039

Re: Why not take Social Security at 62

Something to be said for taking SS to help cover Medicare part B and/or Part D fees, etc. when that time comes. If one's medicare is not much but enough to cover medicare supplementals, then that's one less monthly expense to deal with.
by Sandtrap
Tue Nov 21, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: CBS News Alert: How to spot an ATM credit card skimmer.
Replies: 0
Views: 336

CBS News Alert: How to spot an ATM credit card skimmer.

CBS News Report: How to spot an ATM credit card skimmer and what to do about it.

https://www.youtube.com/watch?v=1zQeYaS5fgo
by Sandtrap
Mon Nov 20, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 46
Views: 2116

Re: Want to build dream workshop/garage, but don't know how to start

Very useful advice! I'm an engineer, so I already have graph paper and triangles, and I know how to use them. Once I get that sketch worked out, then who should I contact? A general contractor? Okay. I've also done this in Autocad but that might be overkill. The General Contractor can only build wh...
by Sandtrap
Mon Nov 20, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 46
Views: 2116

Re: where to begin

I've been planning it for about 20 years! You have detailed drawings? You have itemized components? Down to the drywall screws? No, of course not. Like I said, I mostly know what I want, and I have a budget in mind, but I don't even know where to start in making that concept a reality. Who should I...
by Sandtrap
Mon Nov 20, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 46
Views: 2116

Re: Want to build dream workshop/garage, but don't know how to start

RE: building over a former tree site. The root spread of a tree is at least or greater than if it was turned upside down into the ground with the branches of roots. If possible, as much of the root as possible should be removed and then backfilled with compacted washed ABC gravel fill. Imagine a gr...
by Sandtrap
Mon Nov 20, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Post for Livesoft
Replies: 34
Views: 4812

Re: Post for Livesoft

livesoft wrote:
Mon Nov 20, 2017 6:55 pm
No, it doesn't.

To see something sticky-worthy, see Robert T's post.
Outstanding!
Thanks for the link.
j :D
by Sandtrap
Mon Nov 20, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 86
Views: 4881

Re: What are the things you want to do between 55 and 65?

Buy more apartment buildings>cancelled. Fugedabudit. Going the "boglehead route" henceforth. Retire and move from HCOL to LCOL. Liquidate business> mostly done. Retire to a mini ranch with DW > done. Play all the resort golf courses in Hawaii before leaving (hcol >lcol) > mostly done. Travel across ...
by Sandtrap
Mon Nov 20, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 86
Views: 4881

Re: What are the things you want to do between 55 and 65?

Toons wrote:
Mon Nov 20, 2017 5:56 pm
Always wanted to travel the United States Of America in a class B -RV.
Accomplished.
:happy
Roadtrek Envy.
. . . . never ends. . . . :shock:
by Sandtrap
Mon Nov 20, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 35
Views: 2164

Re: Best vehicle for seniors?

90+FIL recently passed. WWII vet. Went on a car purchase before he died. He was still mobile and his old car was tired out. What his priorities ended up being though he didn't voice them, we found out through shopping: New cars were overwhelming in complexity. His old car was a pontiac vibe. (toyota...
by Sandtrap
Mon Nov 20, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 46
Views: 2116

Re: Want to build dream workshop/garage, but don't know how to start

How large are the trees to be removed? And would any part of the slab span their location? If so be sure to remove the stumps and backfill with an appropriate structural fill to avoid settling. Most tree services around here grind the stumps in place which leaves too much organic material in the so...
by Sandtrap
Mon Nov 20, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 15
Views: 1344

Re: How am I doing?

In 16 years the "safety margins" and "fudge factors" for the following might be budgeted for ahead of time, . . . . . just in case.
Marriage
Mortgage
Children
Relocation
etc.
by Sandtrap
Mon Nov 20, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing at the top
Replies: 19
Views: 1279

Re: Investing at the top

What worries me is not the crash 18 months from now, but missing out on the gains from now to month 17 :shock:
by Sandtrap
Mon Nov 20, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 52
Views: 5395

Re: Drive it till it dies. It died.

1 Sell on craig's list, where is, as is.
2 Buy a Toyota or a Honda.
by Sandtrap
Mon Nov 20, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 1725

Re: Recommend a daily driver

Used well depreciated Honda so it can be resold at a good value. Dependable daily driver.
Image
by Sandtrap
Mon Nov 20, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 14630

Re: Why pay cash for a car?

Save up to get that used Plymouth Valiant with the straight six. It was a slant six in the Valiant, wasn't it? I know because, coincidentally, it was the first used car I remember my Dad buying (for cash, at an auction no less!) after he got fed up with making payments on his new cars. He drove Cad...
by Sandtrap
Mon Nov 20, 2017 12:48 am
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 21
Views: 1498

Re: Electric Car (Nissan Leaf) for a teen driver?

Used Honda Civic, Toyota Corolla.. . just in case.
Can't bring a gallon gas can to help a stranded Leaf.. . or jump start it.
by Sandtrap
Sun Nov 19, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Suggestions
Replies: 26
Views: 1572

Re: Honeymoon Suggestions

Hapuna Beach Resort - Big Island, Hawaii.
j :D
by Sandtrap
Sun Nov 19, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 46
Views: 2116

Re: Want to build dream workshop/garage, but don't know how to start

bhsince87 wrote:
Sun Nov 19, 2017 10:18 pm
Thank you Sandtrap! That's actually more advice than I was hoping for!! :happy
You're welcome. I used to design and build stores, food courts, and buildings, so I hope I didn't get too carried away.
"Dream workshop" has a heavy drool factor. :D
by Sandtrap
Sun Nov 19, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed and seeking advice for my mother
Replies: 16
Views: 1807

Re: Overwhelmed and seeking advice for my mother

CD's would be OK.. but they would just keep up with inflation. She's 5 to 10 years away from retiring... so I feel she can and should take a tiny bit more risk than being 100 in fixed income (bonds, CDs) I'd suggest she take a certain amount ($25 - $50k???) and put it into a CD for emergencies, the...
by Sandtrap
Sun Nov 19, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 46
Views: 2116

Re: Want to build dream workshop/garage, but don't know how to start

I'm a few months or years away from early retirement, and my dreams don't include much travelling. I want to spend my time making things. So I want to build a workshop, but I have no idea where to begin! I'm thinking of a building around 30X50 feet, 10-15 feet tall, with some garage type doors so p...
by Sandtrap
Sun Nov 19, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 360k for an old man
Replies: 30
Views: 2937

Re: What to do with 360k for an old man

When I am 89 with 360k in my piggy bank, and everyone knows it's there, and my needs are taken care of. I would ask my children and each of my grandchildren what they think I should do with it. And that will be fun for me. And how they answer will tell me more about who they are as a person. And tha...
by Sandtrap
Sun Nov 19, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Book for new college graduate
Replies: 19
Views: 1104

Re: Book for new college graduate

A nice "login" name on the Bogleheads forum and a very very cool "avatar" to get things started. Personal and Life Black Swans: "10 Stupid Things Men Do To Mess Up Their Lives" by Dr. Laura Schlessinger https://www.amazon.com/Stupid-Things-Mess-Their-Lives/dp/0060929448/ref=sr_1_5?ie=UTF8&qid=151114...
by Sandtrap
Sun Nov 19, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 12401

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I am both equally cheap and sometimes frivolous with both cash or credit card (balance paid monthly).
Cash doesn't get points on Amazon.com :D .
Credit cards don't smell like someone's stinky cologne like cash does. Phew! :shock:
by Sandtrap
Sun Nov 19, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 14630

Re: Why pay cash for a car?

Sometimes I wonder if this aversion to car loans isn't rooted in biases based on historical rates. There were times when car loan rates where significantly higher than mortgages and in some cases 2 -3 times higher. In this situation, if you had the available funds, It was clearly advantageous to pa...
by Sandtrap
Sun Nov 19, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2419

Re: Are expensive tires worth it?

The Michelin Defenders are outstanding. Last year my son put them on his truck and suv. All from Costco. nice ride, good all around. We have snow and ice so we'll see how they do this winter. I have the Michelin at2 ltx on my Toyota Tundra. They do well. I think the Defenders are quieter and softer ...
by Sandtrap
Sun Nov 19, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: is Amazon a monopoly?
Replies: 15
Views: 703

Re: is Amazon a monopoly?

If there were equivalent alternatives to Amazon, I would gladly shop between them. Just as I do for funds between Schwab and Vanguard.
But, I don't think it will happen soon unless someone finds out what secret sauce Bezo's is using.
by Sandtrap
Sun Nov 19, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3468

Re: Oregon makes you save, unless you object. NYT article

Brilliant plan. I think there should be a required course in high school on financial literacy. Though the public education system seems to have a hard time with teaching literacy in general, let alone financial literacy. Imagine if financial literacy and career education started in elementary scho...
by Sandtrap
Sun Nov 19, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 22
Views: 3686

Re: Roofer stopped showing up - what are my options?

There are repeated posts on folks hiring the wrong person for projects. It's painful to see. Here is a short list of who's who in the trades and contracting field: <onward> Without a contractor's license, a handyman is a handyman. Do'er of trades, master of none. The licensing and non licensing cate...
by Sandtrap
Sun Nov 19, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3468

Re: Oregon makes you save, unless you object. NYT article

Great for those folks that have no employee offered plan and can't save a dime to save their life or pursue their own options.
Or some might think it's Government getting a piece of the action for 1 percent AUM. Huge "cash cow".
by Sandtrap
Sun Nov 19, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond BND vs VBTLX (etf vs fund)?
Replies: 9
Views: 718

Re: Vanguard Total Bond BND vs VBTLX (etf vs fund)?

It might be worth reading Bernstein's "The Four Pillars of Investing". Specifically, the example portfolio for an all taxable investor, named Taxable Ted. If memory serves, for bonds he uses a combination of Treasuries, Muni Fund, and Short-term investment-grade corporate fund split evenly. Thanks ...
by Sandtrap
Sun Nov 19, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Why I am not happy even with OK Net Asset
Replies: 38
Views: 3557

Re: Why I am not happy even with OK Net Asset

Those encountering wealth with humble roots tend to go either of 2 paths. Spend and waste as if entitled, and always miserable because there's never enough. Or, appreciate the intrinsic value of every dollar earned, and somewhat haunted by the insecurity of its transience, thus needing more. I suspe...
by Sandtrap
Sat Nov 18, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond BND vs VBTLX (etf vs fund)?
Replies: 9
Views: 718

Re: Vanguard Total Bond BND vs VBTLX (etf vs fund)?

You are not missing out on any tax savings by owning VBTLX instead of BND. But based on what I think I know about your situation, I don't think you should own VBTLX nor BND in a taxable account. I don't have any non-taxable space. Everything is taxable. I am considering adding Vanguard Intermediate...
by Sandtrap
Sat Nov 18, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond BND vs VBTLX (etf vs fund)?
Replies: 9
Views: 718

Re: Vanguard Total Bond BND vs VBTLX (etf vs fund)?

I own both, but not in taxable. The difference is how dividends are paid out and how they are automatically reinvested. VBTLX: Dividend paid on at close of market on last market day of month. Reinvested that day at that NAV if auto reinvest is on. Dividend is accrued daily and paid monthly. If you ...
by Sandtrap
Sat Nov 18, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond BND vs VBTLX (etf vs fund)?
Replies: 9
Views: 718

Vanguard Total Bond BND vs VBTLX (etf vs fund)?

What are the pros and cons of Vanguard Total Bond ETF (BND) vs Fund (VBTLX) ? In taxable space, is there an advantage to either? What? Is it that much of difference to matter? Thoughts? I've read the "wiki" and past threads but I still wonder if there is really that much difference in savings betwee...
by Sandtrap
Sat Nov 18, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2769

Re: What we don't know

We really don't know anything when it comes to investing,do we?Almost daily I see posts on Bogleheads that make me feel this way Which is better a CD ladder or bond fund,with interest rates this low? Which is better index funds or a low cost managed fund (Wellington,Wesley,Primecap...)? Am I saving...
by Sandtrap
Sat Nov 18, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2769

Re: What we don't know

We know what we know and what others know through discussions.
We know we are wary, cautious, deliberate, methodical, and learned . . . and deservedly fearful.
And so, we know . . . we don't know.
And so knowledge and experience is shared to reinforce: "stay the course". :D
by Sandtrap
Sat Nov 18, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 13
Views: 707

Re: Any of you trade just a little as a hobby?

Some of my friends have "play money" and do so, but it is just not my nature.
j :D
by Sandtrap
Sat Nov 18, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Please take a look at my pre-retirement plan!
Replies: 9
Views: 853

Re: Please take a look at my pre-retirement plan!

I understand that there could be a "black swan" event, and there were in the beginning. But I like to think that we worked out most of the kinks. Twenty years have gone by and we only had one eviction and no major costly repairs...except the roof and copper repiping, and the apartment of the person...
by Sandtrap
Sat Nov 18, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Please take a look at my pre-retirement plan!
Replies: 9
Views: 853

Re: Please take a look at my pre-retirement plan!

Thank you for your input, Sandtrap. I just have a couple of questions. 4. . no . . that's only 1k per unit. And at 3000/mo expenses, that is not enough working capital. What I mean is that we have about $3,000 left over per month to pay for expenses after owners receive what has become a set amount...
by Sandtrap
Sat Nov 18, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 360k for an old man
Replies: 30
Views: 2937

Re: What to do with 360k for an old man

Whatever grandpa wants and makes him happy. :D
by Sandtrap
Sat Nov 18, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 75
Views: 3345

Re: Do you include the sale of your home as part of your retirement planning?

No. It would be cutting things too close for my comfort. j :D Not sure why it makes you cut anything closer, you don't have to plan on spending the proceeds of the sale just recognize their existence. But I can understand if people are worried about overvaluing their property in their plan or anoth...
by Sandtrap
Sat Nov 18, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Please take a look at my pre-retirement plan!
Replies: 9
Views: 853

Re: Please take a look at my pre-retirement plan!

First, sorry to hear about the declining health with your parent. Onward. 1. . yes, with adjustments to your expenses to compensate for reduced income. 2. . no. . even if financially feasible, not if it makes you unhappy. Try #1 first. Then #2 is an option. Not vs vs. 3. . if you mother appoints you...