Search found 2731 matches

by Sandtrap
Wed Dec 13, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 1927

Re: WHO IS RIGHT ME or SPOUSE

This is the same as "Who's on First?"
j :D
by Sandtrap
Wed Dec 13, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 6
Views: 426

Re: Young Investor: When to diversify

I appreciate everything you said there and would agree with most. My only thought is that because I do not have a ton of money invested, I am not sure I want any bonds as of yet. I understand that no bonds is riskier but that is a risk I think I am willing to take. And I could split all of my money...
by Sandtrap
Wed Dec 13, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own property used solely for Airbnb?
Replies: 9
Views: 948

Re: Anyone own property used solely for Airbnb?

I have 2 R/E development friends who do both AirBnB and VRBO. All high end. One has several multimillion dollar "McMansions" in upper Scottsdale that are VRBO's. They do very very well. I am in the residential multi unit rental business but am considering branching to VRBO's. As stated earlier, you...
by Sandtrap
Wed Dec 13, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 6
Views: 426

Re: Young Investor: When to diversify

Hello all, first post here. I switched over from EJ earlier this year and switched all of my money into the Vanguard Total Stock Market Index Fund (VTSAX). I have a little above $13,000 invested and I am 23 years old. I was wondering should I just keep growing that fund until it is larger and diver...
by Sandtrap
Wed Dec 13, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 20
Views: 1218

Re: How to deal with Micro-manager

There is a cultural chasm here than can't be crossed. Both from DW's behavior and culture as a response and reaction. And, also efforts to communicate and create empathy (if that is indeed possible with a bully). And, also, any effort to restructure the arrangement and communication styles (draw lin...
by Sandtrap
Wed Dec 13, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own property used solely for Airbnb?
Replies: 9
Views: 948

Re: Anyone own property used solely for Airbnb?

I have 2 R/E development friends who do both AirBnB and VRBO. All high end. One has several multimillion dollar "McMansions" in upper Scottsdale that are VRBO's. They do very very well. I am in the residential multi unit rental business but am considering branching to VRBO's. As stated earlier, you ...
by Sandtrap
Wed Dec 13, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - rental properties
Replies: 11
Views: 1455

Re: Portfolio review - rental properties

Very nice! Congratulations on exiting the Rental Business. Your plan looks great and well thought out. And, you've made great progress from your original post. Here's some additional reviews on basics. Deploying to "non taxable space" then taxable" is per Bogle guidelines. Funding Priority [url] htt...
by Sandtrap
Wed Dec 13, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Almost fell off my chair...
Replies: 11
Views: 2323

Re: Almost fell off my chair...

Ever since following the BH way of investing, life has become less stressful. With the "set it and forget it" mentality, I haven't checked my basic VG three fund portfolio in some months. Logged in this morning just to ensure I am hitting my 401k contribution limit with my last check for the year.....
by Sandtrap
Tue Dec 12, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tom's First Post needing portfolio help
Replies: 6
Views: 546

Re: Tom's First Post needing portfolio help

Welcome :D Question 1: I know retirement is a long time away, but how can I try to know what a target amount of money should be for retirement? Asked another way, am I currently on pace to retire in my mid 60s or do I need to save more/live on less? There is a general "rule of thumb" that suggests 2...
by Sandtrap
Tue Dec 12, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Where to save cash over 5 years.
Replies: 10
Views: 1073

Re: Where to save cash over 5 years.

CD's. High yield accounts. For such a short term protection of principal is the priority. "Investment" is for long term. IE: funds. Do research here: BankRate.com http://www.bankrate.com/partners/sem/cd-rates-v9?gclid=EAIaIQobChMIufm61oaG2AIVi4tpCh0YWgESEAAYASADEgLRbfD_BwE&prods=15%2c16%2c18%2c19%2c...
by Sandtrap
Tue Dec 12, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 42
Views: 3154

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

Placing trades, any trades, makes me anxious. I hate it. +1 I find the research and speculation fascinating. But the actual doing would ruin my "sleep factor". It would cease to become a hobby or fun. My OCD tendencies would turn it into a serious financial project. And, then I would no longer be "...
by Sandtrap
Tue Dec 12, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Planning Advice
Replies: 5
Views: 547

Re: Investment Planning Advice

Goals in order of priority: 1. Rebalance to other funds prefer passively managed index funds with low expense ratios – I think my asset allocation is conservative and I think I would like to increase my total stock holdings (both US and International Stock holdings) to ~80%, and decrease my US Bond...
by Sandtrap
Tue Dec 12, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 46
Views: 2025

Re: Play money individual stocks, which ones?

I've been tempted and made a secret list. Lockheed Martin  LMT Boeing   BA Raytheon  RTN Northrop Grumman  NOC General Dynamics  GD United Technologies Corporation  UTX L3 Technologies LLL Coca Cola  KO Fairly valued wide moat General Mills GIS Undervalued narrow moat Kellogg  K Undervalued narrow m...
by Sandtrap
Tue Dec 12, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2230

Re: Does any indicator not predict a 2000/2007'ish crash?

OP: Read this wonderful write up by "garland wizzer" (wizard) from a recent thread. Hope the excerpt is okay. . . with him. Apologies if not but I saved it because it was so so good. I unsuccessfully was trying to correlate R/E cycles with market movement. When asset prices are not driven by earning...
by Sandtrap
Tue Dec 12, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 109
Views: 3638

Re: Snow Tires? Worth it?

New from Costco: Michelin ltx at2 on my Tundra TRD 4wd with electronic traction, etc. Will see how they do this year. Last year was the last of the treadwear on 4 season tires and nearly ended up in a roadside ditch after a heavy snow. That'll learn me. . . . :shock: In Hawaii?? Northern Arizona :s...
by Sandtrap
Tue Dec 12, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 109
Views: 3638

Re: Snow Tires? Worth it?

New from Costco: Michelin ltx at2 on my Tundra TRD 4wd with electronic traction, etc. Will see how they do this year.
Last year was the last of the treadwear on 4 season tires and nearly ended up in a roadside ditch after a heavy snow.
That'll learn me. . . . :shock:
by Sandtrap
Tue Dec 12, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 8
Views: 532

Re: Quantity of places to hold assets

Many on this forum are all in or have substantial assets in Vanguard. To say they are "informed" is understated. According to Morningstar, Vanguard has approx 4.5 Billion in assets under management . And, six out of the 10 largest mutual funds by asset size belong to Vanguard, with the largest, Van...
by Sandtrap
Tue Dec 12, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 29
Views: 2554

Re: Access to landlocked timber blocked by landowner

Curious - are any of the responses here by attorneys that specialize in this kind of law? I know real estate can be different, but OP has a signed agreement from the current land owner that he can access the land from the north, and precedent has been set for 5 years in regards to what access from ...
by Sandtrap
Tue Dec 12, 2017 1:54 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 67
Views: 4976

Re: 2018 financial goals - what are yours?

2018 Financial Goals
1 Transition deeper into retirement via portfolio maturation
2 Continue selling off R/E
3 Explore VRBO purchase options in the spring if the market slumps. Delay if not.
4 Deepen my knowledge of investment finance (part of #1)
5 Spend a little, worry less, ignore all noise.
j :D
by Sandtrap
Tue Dec 12, 2017 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Thanks! We just let our VG PAS advisor go...
Replies: 14
Views: 2985

Re: Thanks! We just let our VG PAS advisor go...

If you (or anyone else having done this) don't mind answering, how did you let them go (by phone? by email?) and what was their reaction? Did they try to get you to stay? How quickly were you no longer a client (did you get their services through the period you'd already paid for)? And can you stil...
by Sandtrap
Mon Dec 11, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 8
Views: 532

Re: Quantity of places to hold assets

Many on this forum are all in or have substantial assets in Vanguard. To say they are "informed" is understated. According to Morningstar, Vanguard has approx 4.5 TRILLION in assets under management. And, six out of the 10 largest mutual funds by asset size belong to Vanguard, with the largest, Vang...
by Sandtrap
Mon Dec 11, 2017 10:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Holiday thanks to Bogleheads. How have they helped you?
Replies: 17
Views: 1603

Re: Holiday thanks to Bogleheads. How have they helped you?

In the spirit of the Holidays and end year period, it might be nice to recognize everyone for the gracious help they've given on the journey to "Bogleheadville" and Financial Independence. QUESTION: 0 Who? 1 How have they helped you? 2 What area of FI or type of advice,etc? Me: :D To name just a fe...
by Sandtrap
Mon Dec 11, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8428

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

I might add that several, or even one, 911 ride in an ambulance and a night or more in the ER can completely change one's paradigm. Prior "big picture rules of life" go down the toilet along with plans and predictable spreadsheets. . . Then, perhaps, more humble "big picture rules of life are realiz...
by Sandtrap
Mon Dec 11, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10462

Re: Save all this money, what do you splurge on?

I might lose my mind in 2018 and purchase an Oliver travel trailer and a pick up to tow it. If I do it will be the most expensive indulgence of my life, just over 6 figures. Not at all sure I will do this but I might. I had looked at the Oliver Travel Trailers in the past and they are very high end...
by Sandtrap
Mon Dec 11, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1199

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

And why do you have Total Bond in taxable? I only have taxable. No non-taxable. But why do you have Total Bond when you could have a tax-exempt muni fund? Either the balances on the two funds remain the same at this point or increase. But I wouldn't sell them. thoughts? I would not add to the balan...
by Sandtrap
Mon Dec 11, 2017 10:32 pm
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 8
Views: 660

Re: When asset prices are not driven by earnings growth. Correction? Dip?

Corporate profit growth has been tepid by historical bull market standards during the current bull market. Most of the market gains have come from PE multiple expansion. There are reasons why PE might rationally expand: secular low interest rates and low inflation, slow but stable economic and corp...
by Sandtrap
Mon Dec 11, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Paying contractors for incomplete work
Replies: 32
Views: 2278

Re: Paying contractors for incomplete work

I did a Google search for this topic and saw a lot of different opinions. A plumber came to our home to fix a toilet and do an inspection. The toilet was not fixed properly. Should we have paid the plumber? A lot of people say a contractor is paid for their time and not for successfully completing ...
by Sandtrap
Mon Dec 11, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 44
Views: 7297

Re: Those silly lotion containers

I get to risk my hands in cutting off, top 2/3rd of the bottle to get to the last of the stuff. The remaining lotion is considerable, much like fees. Duties of a husband. :annoyed +1 I've moved from a utility knife to a Fiscars grippy utility scissors. The Fiscars scissors is much safer though some...
by Sandtrap
Mon Dec 11, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 109
Views: 3638

Re: Snow Tires? Worth it?

Random question for the group. I currently have 4 wheel drive Honda CRV with all season tires. However, we just moved to a cold weather location with longer winters and I have a longer commute now than before. My questions: -Does anyone recommend snow tires, even if a 4 wheel drive care? I have a w...
by Sandtrap
Mon Dec 11, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 8
Views: 660

Re: When asset prices are not driven by earnings growth. Correction? Dip?

Earnings per share were growing at a 19% yearly rate this summer http://www.multpl.com/s-p-500-earnings-growth Source is S&P. I don't know what the source of the info is for "Real Investment Advice", or maybe that page doesn't use the latest info. Thanks for looking. That's interesting. . So. . que...
by Sandtrap
Mon Dec 11, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Does a tilt toward consumer staples make sense?
Replies: 15
Views: 767

Re: Does a tilt toward consumer staples make sense?

At about 10 years from retirement and SS, our allocation is 50/50. I feel pretty calm about that, even though I know I won't like a big dip , especially since the size of our accounts is so much larger now than in 2008. But 50/50 is right, I didn't sell then, I won't sell into a drop now. With that...
by Sandtrap
Mon Dec 11, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 78
Views: 6785

Re: Done gone and did it

:sharebeer
congratulations and best wishes
j :D
by Sandtrap
Mon Dec 11, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 8
Views: 660

Re: When asset prices are not driven by earnings growth. Correction? Dip?

I didn't get very far clicking on the link because of all the pop-ups. I suggest that no one else bother clicking there. Your post though reminded me of an old Warren Buffett quote "In the short term the market is a popularity contest; in the long term it is a weighing machine." The quote succinctl...
by Sandtrap
Mon Dec 11, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 8
Views: 660

When asset prices are not driven by earnings growth. Correction? Dip?

Recently, I was at a gathering friends who are R/E professionals. We talked about the current state of the R/E development and investment market, income properties, etc. The consensus was that the R/E market in our area was overvalued and ripe for a "correction". This from purchases far beyond the a...
by Sandtrap
Mon Dec 11, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8428

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

.. . . 2. Mindfulness . I used to think that mindfulness was hippie BS, but the more I learn about and apply this concept the more I realize how powerful it is. Without mindfulness, it's easy to fall into the trap of always thinking about what you have to do next, wishing for the weekend while you'...
by Sandtrap
Sun Dec 10, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10462

Re: Save all this money, what do you splurge on?

Lately, I've been thinking of buying a golf course townhouse in the Troon development in upper Scottsdale. If I call it a potential purchase for a VRBO, or rental, then decide "later" to just keep it as a second home, it might not be a "splurge".
:D
by Sandtrap
Sun Dec 10, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1199

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

I have the "old" mutual fund platform, and V handles Spec ID just fine for any reinvesting. I don't think it matters much if you are not trying to change to other funds. Just do what makes sense to you. When you need the money, then direct it to your bank instead of reinvesting. Anything purchased ...
by Sandtrap
Sun Dec 10, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall of 1.5 millions
Replies: 10
Views: 2073

Re: Windfall of 1.5 millions

Welcome :D This will help greatly: Managing a Windfall https://www.bogleheads.org/wiki/Managing_a_windfall Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Bogleheads®_investment_philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://...
by Sandtrap
Sun Dec 10, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8428

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

technovelist wrote:
Sun Dec 10, 2017 4:55 pm
Toons wrote:
Sun Dec 10, 2017 4:53 pm
1.Keep It Simple :happy
2.Occam's Razor :happy
Also, avoid redundancy? :sharebeer
And. . . all things in moderation. . including moderation. . . :shock:
by Sandtrap
Sun Dec 10, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2385

Re: Do girls wear Ninja Turtle character shoes

2comma wrote:
Sun Dec 10, 2017 6:55 pm
Those guys are still around? My son was seriously into them when they first came out - he's 35 now. You should have seen the looks I got from my co-workers when I said "Teenage Mutant Ninja Turtles".
Cowabunga Dude :!:
by Sandtrap
Sun Dec 10, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1199

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

1. For Wellesley Income Fund, do I "check" automatic reinvest dividends and interest? 2. For Balanced Index Fund, do I "check" automatic reinvest dividends and interest? No and no. You are keeping them "for now" which to me means you are thinking about selling them. In that case, why buy more? Have...
by Sandtrap
Sun Dec 10, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1199

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

Why don't you auto-reinvest distributions? 1. I am living large (or softly) and I need money to pay my expenses, so I use dividends for that. 2. I invest tax-efficiently, so I don't get many taxable dividends anyways -- certainly less than a small fraction of my expenses. 3. I think we encouraged y...
by Sandtrap
Sun Dec 10, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Do indoor cats need flea/tick/heartworm prevention year round?
Replies: 15
Views: 1017

Re: Do indoor cats need flea/tick/heartworm prevention year round?

Fleas are a real pain to get rid of, and yes, we have gotten them on an indoor cat. Eggs can get tracked in from outside and it doesn't take much to create an infestation. +1 That's about the only way they come in, eggs on shoes or fleas on humans. Nasty. Everyone suffers. Humans and kitties. :shock:
by Sandtrap
Sun Dec 10, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2385

Re: Do girls wear Ninja Turtle character shoes

Younglings look great in anything and can pull it off.
Little'uns have fun doing everything regardless of pseudo-social-trends.
And, Great for family photo albums.
They should do it while they can.
Adults can only pull it off at Comic-Con, Holloween, or Walmart. :shock:
j :D
by Sandtrap
Sun Dec 10, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 65
Views: 4791

Re: Can we afford to live on one income?

Yes. . . and . . . No.
Yes. . . you could make it work. . reduce expenses. . .etc.
No. . . you would be very vulnerable to financial and life "black swans" so there might be periods of struggle.
So. . .
Yes & No.

j :D
by Sandtrap
Sun Dec 10, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1199

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

Since these funds are long term buy and hold and you don't wish you spend the dividends, I'd reinvest for simplicity. If you use SPEC ID, these reinvestments may afford you the chance to TLH if/when the market tanks and those new purchased shares lose value. Otherwise they appreciate and rock on! I...
by Sandtrap
Sun Dec 10, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1199

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

I'd drop them in the IT Tax-Ex Fund. Thanks, "midareff". Enjoyed the photographs of your travels in southeast asia etc. on your site. I do have the tax-exempt funds as an alternative on my IPS for my hares but for now, I'm working with these 2 balanced funds within a greater portfolio. These detail...
by Sandtrap
Sun Dec 10, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1199

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

I don't auto reinvest distributions. I always use Specific Identification because it is so simple: Whatever I paid for a share is the cost basis of that share. It does not change as it would with using Average Cost basis. Yes. I have it at Spec ID. Your past threads and others on the subject had co...
by Sandtrap
Sun Dec 10, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8428

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

What are your big-picture ‘rules of life’ —financial or otherwise? What has worked for you? Some of the following may not be "trendy" or as uncompromising today and viewed as "Old School". My 10 personal precepts: 1 Live each day with uncompromising morality. 2 Attend to the broad picture or detail...