Search found 4228 matches

by Sandtrap
Thu Apr 19, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 155
Views: 14953

Re: anyone else not liking the new cars?

Perhaps that's why so many folks are going "retro". :D 1969 Pontiac GTO (the Judge) . . . See, I knew I liked you! That is my “price is no object” vehicle. In Orange. Had one "back in the day". White not Orange though. Or this.. . . 1969 Camaro Z28 396 c.i. Easily fixed by any mechanic, parts at lo...
by Sandtrap
Thu Apr 19, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 41
Views: 2317

Re: Good Dad, Bad Dad

Son #1: bought a dependable used car for graduating High School. He paid gas. I paid insurance. Abused it. Cracked it up and DUI, 2x. Done. Never again. Given basic character, it was predicted but everyone gets "a chance". :( Son #2: bought a dependable used car for graduating High School. He paid g...
by Sandtrap
Wed Apr 18, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Buy rental property out of state !
Replies: 16
Views: 1163

Re: Buy rental property out of state !

I kept reading about people having out of state property for rental and collect rent. It just sound wonderful collecting rent :sharebeer I am sure there are hiccup and headache along the way. :oops: Could you share the A B C of successfully doing this ? Distance ownership or income property can wor...
by Sandtrap
Wed Apr 18, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Investment question...
Replies: 10
Views: 504

Re: Investment question...

I just received a pension buyout offer consisting of the following options. 1. 200k lump sum. Which I'd roll into my Total Stock Market (VTSAX) IRA fund (current value ~1.1mm) 2. $1350 single life (non-COLA'ed) annuity that begins on 65th birthday. (I'm currently 58) I'm interested in hearing the g...
by Sandtrap
Tue Apr 17, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Things have changed, so what do I do?
Replies: 14
Views: 1906

Re: Things have changed, so what do I do?

1 Review IPS. . adjust accordingly.
2 Increase EF for greater sleep factor.
3 Realize that after a certain point we begin to age in "dog years" so quality of life is relatively more important than "remaining balance".

aloha
j
by Sandtrap
Tue Apr 17, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 552

Re: underwater camera advice

There are waterproof cases for many cameras. Such as this Olympus case for the TG5 which adds protection if going deeper than just the standard camera case. https://www.amazon.com/Waterproof-Protector-PT-058-Domestic-products/dp/B072BXC19Y/ref=sr_1_4?s=electronics&ie=UTF8&qid=1523995700&sr=1-4&keywo...
by Sandtrap
Tue Apr 17, 2018 1:45 am
Forum: Personal Consumer Issues
Topic: Need advice re: extension cord to power PA speaker
Replies: 11
Views: 595

Re: Need advice re: extension cord to power PA speaker

I will be using an Altec Lansing 2200 watt PA Speaker for an upcoming small outdoor gathering. It will be used for low background music and mic use. This thing is LOUD, so it likely won't be pushed past 1/4 or 1/5 its total volume capability. Peak power handling is 2,200W and maximum power handling...
by Sandtrap
Mon Apr 16, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 56
Views: 5190

Re: Cash instead of bonds?

I mentioned in another thread that I had lunch with a wealthy retired man whose investment advice for retirees was to buy the S&P 500 and keep two year's expenses in cash (money market). No other mutual funds or bonds. I don't know about the man's non-stockmarket investments, though I assume he has...
by Sandtrap
Mon Apr 16, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Post-Divorce Investment Strategy
Replies: 32
Views: 2582

Re: Post-Divorce Investment Strategy

Even an SPIA will only pay about 1000/mo from $250,000 (for life). So the $2000/mo is a bit bite out of monthly income/earnings. Investing might earn an average of 4% or $ 833/mo. 3% CD's, even less. The best bet might be: 1 Minimize all expenses. 2 Maximize income. 3 Rent 4 Move from HCOL to LCOL I...
by Sandtrap
Sun Apr 15, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at the end of 2018 at age 59?
Replies: 31
Views: 5398

Re: Can I retire at the end of 2018 at age 59?

The "Black Swan" in the room is medical care. If it "goes away", your expenses may be substantial as you are far above the ACA Subsidy Cliff. If retirement medical "goes away", what are your options until qualifying for Medicare at approx. age 65? Suppose you had to pay 2-3k/month for medical insura...
by Sandtrap
Sun Apr 15, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning - Are we on the right path?
Replies: 10
Views: 1458

Re: Retirement Planning - Are we on the right path?

This outstanding write up may be useful to you.
TAYLOR LARIMORE ON “SIMPLICTY”
https://www.bogleheads.org/forum/viewt ... p?t=156505
aloha
j :D
by Sandtrap
Sun Apr 15, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: How much is too much in a Fidelity or VG account?
Replies: 11
Views: 2002

Re: How much is too much in a Fidelity or VG account?

At 5 mil + in Vanguard you will be eligible for "Flagship Select" status. https://investor.vanguard.com/wealth-management/ But, as a "Boglehead", you will likely not need their services anyway. However, there are reduced or zero fees for a number of items. As Vanguard is presently at $ 5.1 TRILLION ...
by Sandtrap
Sun Apr 15, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2475

Re: Can't afford health insurance -- options?

"Google" search "ACA Subsidy Cliff".
Don't fall off of it.
Consequences are $$$$$$$$$.
ACA SUBSIDY CLIFF
https://www.gocurrycracker.com/obamaca ... imization/

aloha
j :D
by Sandtrap
Sun Apr 15, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to do about withdrawal this year if market doesn't go up?
Replies: 32
Views: 2799

Re: What to do about withdrawal this year if market doesn't go up?

Why not post a full portfolio review (per forum format) to get better suggestions within a larger context?

j :D
by Sandtrap
Sun Apr 15, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 23
Views: 1805

Re: Recommend airline luggage fitting in overhead bin?

I downsized to a 17" to 19" bag several years ago when everyone started overloading the "carry on's" and the airlines were "gate checking" a lot of bags. Something like this or smaller. Anything that looks obviously smaller than everyone else. Amazon: Samsonite 19" spinner. https://www.amazon.com/Sa...
by Sandtrap
Sun Apr 15, 2018 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Rentals and Security Deposits
Replies: 21
Views: 1107

Re: Rentals and Security Deposits

I usually rent to a "primary" tenant. Sometimes, no matter what the relationship. That way, there's only one person on the lease. I don't handle multiple security deposits, etc. It's all on one person. If that person moves out, then I sign a new lease with the next most responsible "primary" and onl...
by Sandtrap
Sat Apr 14, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments, thanks for LOOKING!
Replies: 11
Views: 1266

Re: Help with Personal Investments, thanks for LOOKING!

Welcome. It would be a good idea to simplify things. 1. Eliminate or minimize fund overlap. 2. Eliminate or minimize redundancy between funds. IE: you have Wellington which is a balanced fund and then you have single funds. 3. Minimize the number of funds across the board. 4. Minimize expense ratios...
by Sandtrap
Fri Apr 13, 2018 11:13 am
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 19
Views: 1087

Re: Arizona Chapter

Prescott, AZ.
Will drive to Scottsdale, upper Scottsdale, etc.
Or, come up to Prescott where it is cooler and picturesque.

j :D
by Sandtrap
Thu Apr 12, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Family shared real estate purchase - how to best structure?
Replies: 14
Views: 883

Re: Family shared real estate purchase - how to best structure?

Hello Friends, Looking for your wisdom regarding a shared real estate purchase. Context: Recent retired married couple is considering moving from a LCOL area to a MCOL location to be closer to family. As a result of the difference in the cost of living, the retirees children are willing to help fin...
by Sandtrap
Thu Apr 12, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: 0% credit card to pay off student loan?
Replies: 25
Views: 1476

Re: 0% credit card to pay off student loan?

I have known quite a few folks who play " 0% Interest Credit Card Balance Shuffle ", some for many years. Some have ended up with enormous balances over time. The biggest problem is that it doesn't stop excessive spending. It becomes addictive, like free money, that never needs paying back. Not for ...
by Sandtrap
Wed Apr 11, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: The "mechanics" of retiring
Replies: 20
Views: 3564

Re: The "mechanics" of retiring

I am looking to possibly retire next year early (age 48 or 49). I'm not sure what the correct terminology is, but I am interested in the mechanics of it. What I mean is do you keep so much in a money market, so much in a CD ladder, do you keep reinvesting dividends, etc. I will be basically followi...
by Sandtrap
Wed Apr 11, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 3860

Re: Help with shared child being spoiled

This is a difficult position. An enabled child grows up with a feeling of entitlement. Rewards based on simply existing vs merit. Values and behaviors are "instilled" not innate. Empowerment is based on age and maturity and life experience. The sense of family and community, unity, and moral obligat...
by Sandtrap
Wed Apr 11, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 21
Views: 1327

Re: Need vacuum recomendations

My relative has several cats. She tried many brands of vaccum cleaners both cheap and expensive. The best one turned out to be a Shark from Walmart. Exceptional suction, simple design and light to move around. I think this is the model she bought. https://www.walmart.com/ip/Shark-Navigator-Lift-Awa...
by Sandtrap
Wed Apr 11, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investing
Replies: 24
Views: 1788

Re: Emergency Fund Investing

I am curious as to how others manage their emergency funds? I currently hold mine in a high yield savings account, which offers higher returns than a traditional savings account. Because that money should be readily available should an emergency arise, I do not want to comit those funds to a CD( wh...
by Sandtrap
Wed Apr 11, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Why not annuitize most of portfolio?
Replies: 104
Views: 7918

Re: Why not annuitize most of portfolio?

Quotes for an SPIA with or without COLA can be found here: https://www.immediateannuities.com/a/annuity-annuities-1nem.html?gclid=EAIaIQobChMIxIb8wIOz2gIVhbXACh1OiAsREAAYASAAEgKTdPD_BwE 1 The SPIA annuity can optimize returns and create an income stream where one is lacking others, and also lacking ...
by Sandtrap
Wed Apr 11, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3050

Re: Any aggressive index funds in your portfolio?

Vanguard Total Stock Market - Admiral Shares - is as aggressive as is needed for me.
j :D
by Sandtrap
Wed Apr 11, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: What to do with some extra cash
Replies: 8
Views: 964

Re: What to do with some extra cash

Assuming you have adequate EF and retirement contributions.
#2

aloha
j
by Sandtrap
Tue Apr 10, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 5046

Re: Retirees: Who's increasing their equities as they age?

Currently in my 60s and am retired 7 years with a 45/55 AA. Been thinking about increasing my equity side a bit. Are there retirees who are/or are planning to up their equity proportion as they age and why they would be doing that? Excellent question. I suspect that many retirees here are pondering...
by Sandtrap
Tue Apr 10, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Are there any simple strategies that can help us squeeze better returns?
Replies: 45
Views: 2925

Re: Are there any simple strategies that can help us squeeze better returns?

This excellent post on "strategies" may be helpful to you.

"Reasons to Change Your Asset Allocation" by esteemed forum expert, "ferri"
viewtopic.php?t=25318

aloha
j :D
by Sandtrap
Tue Apr 10, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3182

Re: Anyone tried a sunrise alarm clock?

The light from the crack of dawn wakes me up. . . no matter how long I'd rather sleep. Huge windows and sliding glass doors in our bedroom. I've read that a more natural "waking up" process is healthier than the jolt of an alarm clock. No sure. Actionably: Leave the curtains open and let the morning...
by Sandtrap
Tue Apr 10, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: How would you rotate these tires?
Replies: 20
Views: 1603

Re: How would you rotate these tires?

dwickenh wrote:
Sun Apr 08, 2018 9:47 pm
I would replace the 3 worn tires with the two new on the rear, the 8/32 and other new one on the front until the next rotation. 4/32 is 1/32 from being illegal in some states. 5/32 is asking for trouble in wet road conditions.
+1
Safety first.
Does it snow or have ice or heavy rains in Denver?
by Sandtrap
Tue Apr 10, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing advice
Replies: 10
Views: 904

Re: Rebalancing advice

Sigh. The last time I posted here the google sheet was a suggestion of some of the frequent advice posters. I thought about that, but figured I'd take the last advice. Time to just go to a planner. This has become more trouble than its worth. And as they always say....'you get what you pay for'. So...
by Sandtrap
Tue Apr 10, 2018 2:19 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 74
Views: 5122

Re: What have you baked recently?

Chicken thighs with Chipotle seasoning. I try to avoid grains and added sugar as it is not agreeable with most humans. Care to share a recipe for baking those chicken thighs? Penzy's Chipotle Seasoning, Cayanne pepper, Salt, Ground Black Pepper both sides. Bake @375 until 170ºF in the center. Grill...
by Sandtrap
Mon Apr 09, 2018 9:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 66
Views: 7925

Re: Too much Bogleheads.org?

maybe someone should start a support group for people who get "too much bogleheads" :happy The beginning stages of "Boglehead Withdrawal". Symptoms: 1 Depression > "What if my allocation is too risky. . . " 2 Agitation > "Drat. . . a Correction. . I knew my allocation was wrong. . . " 3 Emotional O...
by Sandtrap
Mon Apr 09, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1674

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

The reason why stores have "Sales" is to get you to shop.

The best way to save money on a "Sale" is not to go.

j :D
by Sandtrap
Mon Apr 09, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7806

Re: Cash flow problems - best way to handle?

I am on a pretty tight budget. I live in a HCOL area and have a moderate income. This year I needed to get a new car so took a big chunk of money from savings. There have been a few other things that have come up as well, so my savings have gotten very low. I will need to pull some money out of sav...
by Sandtrap
Sun Apr 08, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 74
Views: 5122

Re: What have you baked recently?

Cycle wrote:
Tue Mar 20, 2018 6:23 pm
Chicken thighs with Chipotle seasoning. I try to avoid grains and added sugar as it is not agreeable with most humans.
Care to share a recipe for baking those chicken thighs?
by Sandtrap
Sun Apr 08, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Robotic lawn mowers
Replies: 18
Views: 1214

Re: Robotic lawn mowers

Are there any that will cut 20 acres? :shock:
aloha
j
by Sandtrap
Sun Apr 08, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the resolution of two commas
Replies: 4
Views: 947

Re: Improving the resolution of two commas

"nepers" is certainly better than 10X, 20X, 50X. . because if one's income/expenses was only 10k/year. . 50X sounds great but not compared to someone with 100k/year in retirement expenses.

"Nepers".
1 vote.

j
by Sandtrap
Sun Apr 08, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Newbie Looking to Get Started
Replies: 15
Views: 1203

Re: Newbie Looking to Get Started

Welcome Expenses: Rent? Fun. . what is fun monthly? CC debt. . list each and interest rate? Other debt. . i.e.: car payments. . list and interest rate? Other monthly outgoing? Why do you call it "Foundation". . what is "Foundation"? Fundamentally: increase or maximize what comes in. . . minimize wha...
by Sandtrap
Sun Apr 08, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Hold or sell rental property? Better for taxes to sell during retirement?
Replies: 10
Views: 767

Re: Hold or sell rental property? Better for taxes to sell on retirement income?

IMHO:
Sell
asap.
The property is a greater liability than an asset.

aloha
j
by Sandtrap
Sun Apr 08, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8566

Re: Regrets of the frugal and dying?

I have spent quite a few years doing volunteer work in care and nursing homes, as well as with many relatives and family now long gone. These seem to be the most common shared thoughts and feelings. Regrets 1 Time - better spent toward things of the heart vs time wasted on what is impermanent. 2 Mon...
by Sandtrap
Sun Apr 08, 2018 8:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 66
Views: 7925

Re: Too much Bogleheads.org?

I joined this site a few months back and am blown away with the amount of knowledge and support of this site. Between this site and the recommended books I have learned a tremendous amount and have become a more savvy and attentive investor. That being said, I find myself constantly thinking about ...
by Sandtrap
Sun Apr 08, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 68
Views: 3982

Re: If you want an actively managed fund, which one would you use?

Toons wrote:
Sat Apr 07, 2018 8:46 pm
Any Wellington managed fund.
:happy
+1
j :D
by Sandtrap
Sun Apr 08, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: DIY trust word placement
Replies: 16
Views: 813

Re: DIY trust word placement

An actionable "heads up". I have seen and experienced many a trust, both large and small, end up in litigation. They were all drafted by law firms. Some were outdated, others poorly constructed or drawn up in haste. IMHO, a poorly constructed trust, whether DIY or by legal counsel, that does not ful...
by Sandtrap
Sun Apr 08, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: DIY trust word placement
Replies: 16
Views: 813

Re: DIY trust word placement

Certificate of Trust is what many instituttions need. Suggest reviewing the trust with legal counsel. Many estate lawyers will not want to fix or revise a DIY trust, and would rather draft a new one. You can ask legal counsel draw up a "Restatement of Trust". Retired Businessman - not legal counsel ...
by Sandtrap
Sat Apr 07, 2018 9:47 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 118
Views: 14964

Re: 2-year CDs at Vanguard and Fidelity Today

Was answering a question about CDs. Secondary brokered CDs: $1 or $2 per bond at Vanguard, $1 at Fidelity. New issue CDs: no commission at either. Treasuries, auction or secondary: no commission at either. I thought that's what you meant but then I read: you will pay $2 per bond in commission on se...
by Sandtrap
Sat Apr 07, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 118
Views: 14964

Re: 2-year CDs at Vanguard and Fidelity Today

I just had a substantial CD come to term. Need to reinvest it. Have yet to purchase brokered CD's. Your thoughts on the New Issue vs Secondary? I have a Vanguard Acct. No Fidelity. I always look at secondary first, and typically am able to beat new issue by a smidge--somewhere between 2 bps and 7 b...
by Sandtrap
Sat Apr 07, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Comparison Help (VBTLX VS MWTIX)
Replies: 18
Views: 718

Re: Bond Fund Comparison Help (VBTLX VS MWTIX)

Here's a comparison on Morningstar
VBTLX vs MWTIX
Image