Search found 4254 matches

by Sandtrap
Thu Apr 26, 2018 1:20 am
Forum: Investing - Help with Personal Investments
Topic: Financial advisor for hire
Replies: 15
Views: 1352

Re: Financial advisor for hire

Perhaps, if you are inclined, you might want to take this for a test drive before you take that "deep dive".

Persona Portfolio Review Request Format:
https://www.bogleheads.org/forum/viewt ... =1&t=6212

j
by Sandtrap
Tue Apr 24, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 136
Views: 11396

Re: A Rant about Ticker Speak

100% VTSAX wrote:
Tue Apr 24, 2018 9:23 am
Does this mean I have to change my username? :mrgreen:
As you get closer to retirement you can either change "100%" to "some" or just fully commit to "100% VBTLX"

j :D
by Sandtrap
Tue Apr 24, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 73
Views: 6466

Re: Nomadic lifestyle in their 50s

Get Yourself one of these and take off........ :happy http://www.roadtrek.com/wp-content/uploads/2014/07/roadtrek_cs-adventurous_driver-side-angled_white_1280x688_04-2017-720x396.png http://www.roadtrek.com/models/cs-adventurous/ We have one and we love it. It is a 2017 and we took it on a 39 day t...
by Sandtrap
Tue Apr 24, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest
Replies: 4
Views: 520

Re: Where to invest

Hello, Have $500K in savings and wanting to know what portion and where to invest? Have 15 years to retire and already have a TSP with a balance of $400k Thanks. Welcome. It may be more helpful to you to get suggestions in a greater financial context by adding the "portfolio review" format to your ...
by Sandtrap
Tue Apr 24, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Fun Money
Replies: 45
Views: 2649

Re: Fun Money

This may be more a matter of mentally compartmentalizing a certain percentage of funds, not as "fun money" or "fund money" but "Working Capital". "Fun" allocation can be interpreted as anything from being able to buy a Snickers Bar, or Large Twix, whenever one wants, or a Porche 911. Whereas "Workin...
by Sandtrap
Mon Apr 23, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 73
Views: 6466

Re: Nomadic lifestyle in their 50s

Man getting an RV and being a nomad is my DREAM come true. Unfortunately, with a wife who likes to stay in nice places I don't think I will ever get to do this unless she divorces me. Hey, at least one positive would come out of it. :D Good luck. Same dream. Except DW fully supports me "doing it by...
by Sandtrap
Mon Apr 23, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 73
Views: 6466

Re: Nomadic lifestyle in their 50s

I am a bit fascinated by the old guy who “lives” on a cruiseship. Some articles paint him as always on the ship. I came accross an interview with him. He moves around different ships within the same cruiseline. There's always this: http://aboardtheworld.com/ but not for $100k a year. That is amazin...
by Sandtrap
Mon Apr 23, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 73
Views: 6466

Re: Nomadic lifestyle in their 50s

Get Yourself one of these and take off........ :happy http://www.roadtrek.com/wp-content/uploads/2014/07/roadtrek_cs-adventurous_driver-side-angled_white_1280x688_04-2017-720x396.png http://www.roadtrek.com/models/cs-adventurous/ :sharebeer Darn!!! You got me drooling again. . . . :shock: (where's ...
by Sandtrap
Mon Apr 23, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 35
Views: 3952

Re: In-laws financial advisor rip off

Perhaps all you can do is this: (seed planting) You to spouse: "By the way . . . did you know that your parent's FI is costing them XXXX dollars per year?" Spouse: "Really?" You: "Yup. That's not bad at all. But Vanguard VPAS can so the same job for XXXX dollars less which would help your parent's a...
by Sandtrap
Mon Apr 23, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 78
Views: 8818

Re: Inheritance Changing Lifestyle

Wife may not have a "say" on the $5M, Can a spouse legally keep that inheritance only for oneself? Leaving the ethical or moral part out of the equation, is it legal to structure the received inheritance as an individual windfall and when the judge looks at the marital asset for the eventual break-...
by Sandtrap
Mon Apr 23, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Shrub removal - Village/HOA permits needed?
Replies: 11
Views: 833

Re: Shrub removal - Village/HOA permits needed?

Sometimes, permission by consensus and committee benefits the committee more than the homeowner as there's no personal vested interest. IE: your car, your dryer vent, etc. So much depends on the nature of the HOA that you have to deal with. If they are litigation prone, then perhaps the best you can...
by Sandtrap
Sun Apr 22, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 78
Views: 8818

Re: Inheritance Changing Lifestyle

Inherited wealth should change your life. Why else would people leave money to their families? It won't make you different people, but it will allow you to make some different choices. It already has, since you have made some large gifts. It absolutely can make you different people. And even more s...
by Sandtrap
Sun Apr 22, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 78
Views: 8818

Re: Inheritance Changing Lifestyle

Make it clear beyond a doubt that this is "your money" and you will "honor your parents legacy" by being as careful, prudent, and frugal with it as they have and wished you to have. Yikes, do not do that unless you want to get divorced. Convince her, don't just tell her. +1 Yes. Convince clearly.
by Sandtrap
Sun Apr 22, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 84
Views: 4125

Re: AAA? What to do in car emergencies?

If a car is on fire, any part of it. Get away to a safe location. Call 911.
The car can be replaced. Injury by fire or explosion cannot.
The fumes and smoke from a car fire are extremely toxic.

This from a close friend who is a retired fire captain.

aloha
j
by Sandtrap
Sun Apr 22, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 78
Views: 8818

Re: Inheritance Changing Lifestyle

1 If you do not set financial and behavioral boundaries, then there will be none. 2 If you do not adhere to the above, self included, there will be none. And, then the unspoken relationship will change from "team" to "enabler, provider, . . . AKA . . "the bank". And, like a child's first taste of Ha...
by Sandtrap
Sat Apr 21, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 78
Views: 8818

Re: Inheritance Changing Lifestyle

An actionable aside.
Wouldn't careful stewardship of said "inheritance" be the greatest respect and appreciation for a loved one's life earnings (one dollar at a time)?

j
by Sandtrap
Sat Apr 21, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1049

Re: Good pushreel lawn mower?

Why not go with a Zero Turn Mower?
Or an electric?

I have a bunch of these fellas but they seem to cost a lot more than the amount of grass they keep down.Image
j
by Sandtrap
Sat Apr 21, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: Stop Asking the Wrong Investing Questions
Replies: 4
Views: 1395

Re: Stop Asking the Wrong Investing Questions

Thanks for the link.
Yes. Good reminder.
mahalo
j :D
by Sandtrap
Sat Apr 21, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4955

Re: Settlement Offer -- Accept or Wait?

Everything to gain by waiting, being patient, exploring all options, etc.
Nothing to gain by acting early.

j
by Sandtrap
Sat Apr 21, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 78
Views: 8818

Re: Inheritance Changing Lifestyle

Welcome. 1 Google search the forum archives for "windfall". There are many that have been in your shoes so reading the situations and suggestions will help a lot. 2 Read and memorize: MANAGING A WINDFALL https://www.bogleheads.org/wiki/Managing_a_windfall 3 Resist the urge to "do something with the ...
by Sandtrap
Sat Apr 21, 2018 1:01 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16270

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
Fri Apr 20, 2018 9:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24633

Re: Post your Financial Milestone Announcements Here

Just hit 1,000,000 net worth last month. I’m 33 and my wife is 31. One goal is to increase my taxable account, as most of my assets are in 401ks, IRAs, and 529s. The other goal is to hit 2,000,000 by 40. I owe a lot to this group. That is amazing! By age 33! Wow :shock: Congratulations :sharebeer H...
by Sandtrap
Fri Apr 20, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 30
Views: 2199

Re: Financial planners [looking for one]

When you learn enough to select the right Financial Planner, Wealth Manager, Investment Consultant, (or other "title"), you will know enough to do it yourself for free. Really. . . the more you learn, the simpler it will seem, and not at all intimidating. Read this wonderful missive on investment si...
by Sandtrap
Fri Apr 20, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 40
Views: 2904

Re: Interesting vs higher paying job

There's an interesting thing that happens with a higher monthly income. . . .
Things get more interesting across the board.
Options open up in other areas.
Life get's more interesting.

aloha,
j :D
by Sandtrap
Fri Apr 20, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Paying off mortgage vs investing
Replies: 17
Views: 2012

Re: Paying off mortgage vs investing

Both concurrently.

There's a lot to be said for being "mortgage" and debt free. A huge step psychologically as well as financially.

aloha
j :D
by Sandtrap
Fri Apr 20, 2018 11:31 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24633

Re: Post your Financial Milestone Announcements Here

Dottie57 wrote:
Fri Apr 20, 2018 9:37 am
If I include paid of home, net worth has hit 1,600,000. Never, ever thought I would have this much.

Retired Dottie.
Congratulations "Dottie"
:sharebeer

aloha,
jim :D
by Sandtrap
Thu Apr 19, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16270

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: 49
Views: 3485

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: 1305

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: 548

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: 2063

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: 646

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: 642

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: 5452

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: 2693

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: 5472

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: 1511

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: 22
Views: 3986

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: 2542

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: 2885

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: 1911

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: 1157

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: 14
Views: 1830

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: 1196

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: 20
Views: 1589

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: 1498

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: 3756

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: 3913

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: 1350

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...