Search found 4356 matches

by Sandtrap
Sun May 20, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Timing for the 3 fund portfolio?
Replies: 1
Views: 143

Re: Timing for the 3 fund portfolio?

Now is a great time. Read About Bob, The Worst Market Timer What happens if you only invested at market highs? http://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/ How about a comprehensive portfolio review in this format so your questions can be answered in context? Asking Portfolio Q...
by Sandtrap
Sun May 20, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts and Bank Accounts
Replies: 12
Views: 471

Re: Trusts and Bank Accounts

In my experience, each bank has its own peculiarities regarding trust accounts and personal accounts. Some banks are horrible. Some easier.
j
by Sandtrap
Sun May 20, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 13
Views: 1086

Re: Life Changes

Sometimes things look great when a paycheck is large and assured. Even other projects seem immune to failure.
But when a paycheck is not so large and employment not so assured, many things do not look so bright.
Some thoughts.
j
by Sandtrap
Sun May 20, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Buying a Home, Seeking Advice
Replies: 10
Views: 463

Re: Considering Buying a Home, Seeking Advice

rent.
solidly your financial position
patience
j
by Sandtrap
Sun May 20, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 37
Views: 3268

Re: $1,700,000 from family trust...

Congratulations. 1. Read and memorize : "Managing a Windfall". 2. Put all of the $1.7 mil in Vanguard or Schwab MM account or other reputable brokerage. 3. Set up ACH transfer links between the brokerages and your local bank, etc. 4. Confer (free) with Vanguard VPAS services. (but do nothing, yet). ...
by Sandtrap
Sun May 20, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: need advice on books for teenagers
Replies: 2
Views: 195

Re: need advice on books for teenagers

some random thoughts Free Reading: "If You Can" by Bernstein https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwjyzoDk9vHXAhVMxYMKHYFdATUQFggpMAA&url=https%3A%2F%2Fwww.etf.com%2Fdocs%2FIfYouCan.pdf&usg=AOvVaw25wxjcA_8Pzo-SB3S580I5 Hand out links to the "mister ...
by Sandtrap
Sun May 20, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 89
Views: 7854

Re: Solar panels

Total cost of solar system. Annual savings compared to no solar. Years to recoup cost of solar system in those savings. Plus repair and replacement of items that wear out or degrade. compared to: My estimated retirement years at this residence and time left on the planet. DW estimated retirement yea...
by Sandtrap
Sun May 20, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 15
Views: 608

Re: Air conditioner recommendations?

Get at least 3 quotes to replace your system from at least 3 reputable licensed HVAC contractors in your area. First, ask for their recommendations and a quote for that, then later, have them quote you again but for the same system and work across the board.
j
by Sandtrap
Sun May 20, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Investment allocation
Replies: 13
Views: 496

Re: Investment allocation

Welcome: Regarding Allocation: VANGUARD ALLOCATION RISK./RETURN CHART https://personal.vanguard.com/us/AnalyticsPageController?view=258522597&determineAction=&cash=6.800000190734863&stock=36.0&bond=57.20000076293945&other=0.0&FW_Event=AnalyticsChooseTarget&viewDetermine=258522597&targetMethod=assetM...
by Sandtrap
Sun May 20, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 38
Views: 3111

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

Sorry for your loss. Here are some info and contacts that may help. Vanguard Personal Advisory Services (feel free to ask and discuss your needs. . very low pressure folks) https://investor.vanguard.com/financial-advisor/financial-advice Vanguard investment professional. Call 877-527-4942 Monday thr...
by Sandtrap
Sat May 19, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Detached Garage
Replies: 10
Views: 1126

Re: Detached Garage

I'm working with a builder and architect to design an unheated 24'x24' detached garage with loft in NY. The builder gave me the option to do a monolithic slab to cut costs vs footings with a foundation. The architect agrees that both options will satisfy local code but the monolithic slab may resul...
by Sandtrap
Sat May 19, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to simplify my portfolio. Any thoughts?
Replies: 23
Views: 814

Re: Would like to simplify my portfolio. Any thoughts?

Here's what I would do SCHB Us Broad Market ETF, 46.9% 42-80% SLYV SPDR S&P 600 Small Cap ETF, 15.23% SCHF, Schwab International ETF, 14.95% 14-40% SCHH, Schwab REIT ETF, 10.06% SCHE, Schwab Emerging Markets ETF, 5% SCHC, Schwab International Small Cap ETF, 4.83% SCHZ, Schwab US Aggregate Bond ETF,...
by Sandtrap
Sat May 19, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 297
Views: 19710

Re: Lucrative careers?

OP. WHAT JOB TO DO IN LIFE FOR FULFILLMENT and a lucrative career. The best profession is to be found by knowing oneself and finding what you love and are passionate about. From that, the money will come, the career satisfaction will be found, and personal fulfillment and growth will be realized. Wi...
by Sandtrap
Sat May 19, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to simplify my portfolio. Any thoughts?
Replies: 23
Views: 814

Re: Would like to simplify my portfolio. Any thoughts?

Here's what I would do SCHB Us Broad Market ETF, 46.9% 42-80% SLYV SPDR S&P 600 Small Cap ETF, 15.23% SCHF, Schwab International ETF, 14.95% 14-40% SCHH, Schwab REIT ETF, 10.06% SCHE, Schwab Emerging Markets ETF, 5% SCHC, Schwab International Small Cap ETF, 4.83% SCHZ, Schwab US Aggregate Bond ETF,...
by Sandtrap
Sat May 19, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing 28 yo, advice on mutual funds
Replies: 6
Views: 518

Re: New to investing 28 yo, advice on mutual funds

Welcome. The first thing to spend on is time and education. Hang onto your funds for now. Suggested Reading List https://www.bogleheads.org/RecommendedReading.php Forum Library of Investing Advice with links https://www.bogleheads.org/wiki/Main_Page Free Reading: "If You Can" by Bernstein https://ww...
by Sandtrap
Sat May 19, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 52
Views: 2984

Re: Finance a $28,000 house for Brother?

Toons wrote:
Sat May 19, 2018 3:55 pm
Let him figure it out by himself,,
He will be better off.
Character Building.
:happy
Tough love.
:sharebeer
by Sandtrap
Sat May 19, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 35
Views: 1958

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

Clothes: Very dressy > Dockers. Dressy > new clean jeans. Casual > older jeans. Dressy > long sleeve shirts. (one color) Casual > long sleeve shirts (for the sun). (patterned). Tint for Toyota Tundra (made in Texas). Not too dark as law enforcement has a tough time with that. Hat: Ball cap or Stetso...
by Sandtrap
Sat May 19, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 93
Views: 5600

Re: Helping Adult Children (but not too much)

my 2 daughters are in their mid 30's and 40 married and the older one has 2 young children. We all live in a high cost of living area. Daughters and their spouses both work and are saving/investing and managing money wisely. My wife and I are 69/70 and are in very good financial shape aided with my...
by Sandtrap
Sat May 19, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Good time to buy a house or wait it out
Replies: 21
Views: 1781

Re: Good time to buy a house or wait it out

Since you will be in this home for a longer term, buy. There is a lot for sale meaning that it is competitive, inventory is healthy. Even if the market is overvalued in your area, it will uptick over the long term and that will more than make up the difference. If you are expecting another 2008 fall...
by Sandtrap
Sat May 19, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Bond Yields and Federal Funds Rate
Replies: 25
Views: 1778

Re: Bond Yields and Federal Funds Rate

Interesting analysis, Kevin. Thanks for putting it together. So, actionably: given the data presented, wouldn't short-term CD's, or a CD ladder, be a more stable investment than Total Bond? aloha, j Whether the yield curve is really based on these expectations or not, at least to some extent, I wan...
by Sandtrap
Sat May 19, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to simplify my portfolio. Any thoughts?
Replies: 23
Views: 814

Re: Would like to simplify my portfolio. Any thoughts?

Goal: Diversified portfolio built from Schwab ETFs with a slight lean toward small cap value. Age: 35 Risk Tolerance: Aggressive Current breakdown: SCHB Us Broad Market ETF, 46.9% SLYV SPDR S&P 600 Small Cap ETF, 15.23% SCHF, Schwab International ETF, 14.95% SCHH, Schwab REIT ETF, 10.06% SCHE, Schw...
by Sandtrap
Sat May 19, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 93
Views: 5600

Re: Helping Adult Children (but not too much)

Sounds like you're doing a great job. Congratulations. I help my grown (30+) sons based on merit and their ability to handle their own finances, save, live frugally or with discipline, and maturity. IE: if one family is independent, then I might help them pay for things on a practical basis (drivewa...
by Sandtrap
Sat May 19, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Mechanics
Replies: 17
Views: 1328

Re: Asset Allocation Mechanics

You can do multiple quotes within the same post by using the "quote" button after you cut n paste the quote into the post. Begin the pasted quote with . . [quoote] and end it with [/quoote]. (minus the extra "o" for quote). Here's a link to help you hammer out your IPS Statement: Define General Inve...
by Sandtrap
Sat May 19, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Bond Yields and Federal Funds Rate
Replies: 25
Views: 1778

Re: Bond Yields and Federal Funds Rate

Interesting analysis, Kevin. Thanks for putting it together.
So, actionably: given the data presented, wouldn't short-term CD's, or a CD ladder, be a more stable investment than Total Bond?

aloha,
j
by Sandtrap
Sat May 19, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 52
Views: 2984

Re: Finance a $28,000 house for Brother?

1 continue to rent and save and learn to build a solid financial base and supportive lifestyle until he can buy on his own. 2 make a personal loan (with no expectation of repayment) and have brother purchase home, thereby isolating yourself from all property and future expense liability. Legal couns...
by Sandtrap
Sat May 19, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Enclosed Porch Addition - Good or Bad Idea?
Replies: 16
Views: 929

Re: Enclosed Porch Addition - Good or Bad Idea?

Bad idea: if the porch addition were solely to improve the future sales value of the home.
Great idea: if the porch addition adds to the enjoyment of the home and enhances one's lifestyle.
j
by Sandtrap
Fri May 18, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 17
Views: 1173

Re: Home Loan from Parents

One thing to consider in a situation like this is what would be the consequences of one or both parents requiring several years of expensive nursing care. Would your loan compromise their ability to pay for this, and what would the legal implications of such a loan vis-a-vis Medicaid be. Good point...
by Sandtrap
Fri May 18, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 17
Views: 1173

Re: Home Loan from Parents

Sure this can work but there are a lot of pitfalls. Of course divorce or your death could change the family dynamics and cause your parents to have some resentment such as your spouse living in the house with a new boyfriend or husband and still being "stuck" with the loan. With advancing age your ...
by Sandtrap
Fri May 18, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 3920

Re: Surgeon salary vs owning a business salary/profit?

1. Find your passion. What would you do for free because you love to do it so much? 2. Find your lifestyle. Early birder? Have to have weekends off. Have to have vacations? Need work friends and friend coworkers? 3. Find your "dealbreakers". Must be in charge. Must be the "boss". Don't like to be to...
by Sandtrap
Wed May 16, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4235

Re: New motorcycle rider

Points i could glean from the discussion: 1. Riding motorcycles on a shared road with cars is not safe. 2. Riding motorcycle is really fun. 3. MSF is a must. 4. Insurance is not a big problem and buying a used 600cc bike is sensible. So the question is- Where can I ride my motorcycle alone and safe...
by Sandtrap
Wed May 16, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4235

Re: New motorcycle rider

Take MSF safety courses (use there bikes or bing your own) from basic to advanced. If you use your own bike you will learn the capabilities of your machine to it's limits. Start first using the course provided bikes. At some point you will either realize it's not worth it or commit further. Motorcyc...
by Sandtrap
Wed May 16, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1259

Re: Selling land FSBO help please

Flat fee broker with minimal fees and commissions. FSBO.
Have done this many times with better success than Realtors.
The MLS listing is what you're paying for.
Do what you can to advertise on your own, signage, ads, etc.
j
by Sandtrap
Wed May 16, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 5867

Re: Would you send your children to private school in my situation?

Private if the school has a solid academic track K-12.
j
by Sandtrap
Tue May 15, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6643

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

If your investment horizon is over ten years, there is absolutely no reason to own bond funds right now. VBTLX has a 2.64% dividend yield, while VBILX has 2.76%. VTSAX has 1.74%. Why chase the less than 1% difference in yield, when bond funds have fallen so much harder than VTSAX? In the event of a...
by Sandtrap
Tue May 15, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: I've bought a new home, should I sell or rent my old residence?
Replies: 21
Views: 1348

Re: I've bought a new home, should I sell or rent my old residence?

sell > move > buy
Lot's of moving parts going on at this stage of life. Keep it simple.
j
by Sandtrap
Tue May 15, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: External Portable Hard Drive
Replies: 15
Views: 1081

Re: External Portable Hard Drive

I use this for my MacBook Pro
Samsung T3 SSD 1 TB. Very fast.
https://www.amazon.com/gp/product/B01AV ... UTF8&psc=1
About $ 500
by Sandtrap
Tue May 15, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bringing individual assets into joint account
Replies: 27
Views: 994

Re: Bringing individual assets into joint account

From either point of view. Mine and all mine (at least I think so) Mine and sort of yours Yours and all yours . . . (not worth arguing over) Yours and sort of yours Ours but actually really. . . yours (and we both know it) Ours and sort of yours Ours and sort of mine . . and maybe not really mine . ...
by Sandtrap
Mon May 14, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Volatility tolerance build up
Replies: 11
Views: 844

Re: Volatility tolerance build up

My investing career started only few years ago, but nonetheless i’ve been able to create a mid six figure nest. I have not experienced more than 15% drawdown in these years, but still.. I was reflecting on my emotions whenever I look at my portfolio, and I realized that just few years ago, a daily ...
by Sandtrap
Mon May 14, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 128
Views: 6009

Re: Is there a boglehead muscle car?

The perfect "Boglehead" muscle car has the right allocation between practicality, economy, and performance. With a higher allocation to performance per dollar for younger folks in the accumulation stage. Thus, a used quick and spiffy Honda Civic or other performance compact. The allocation changes a...
by Sandtrap
Mon May 14, 2018 10:20 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8759

Re: The front page is ugly

All of the Bogle pages provide quick actionable content whether on iPhone or tablet or laptop or computer. And, whether on WiFi or cell service. The higher page contents of MMM and Bigger Pockets do not. And, are also more tedious to wade through to find substantive content. Bogle Forum. . . more ca...
by Sandtrap
Sun May 13, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16800

Re: What Percentage CASH are you?

Sheepdog wrote:
Sun May 13, 2018 7:18 am
Age 84+..15.7% cash and cash equivalents. (Cash equivalents include short term bonds, fixed term SPIAs, and CDs coming due within a year.) If I were to include I bonds, it would be 36%
Okay.
I thought I was the odd dog with 15.2% not including bond funds.

aloha :D
jim
by Sandtrap
Sun May 13, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 98
Views: 8043

Re: What do you buy in Asian food stores?

Chinese preserved duck eggs. White and black.
Chinese oyster sauce.
Hoi Sin Sauce.
Fish in a can (leongee>?)
Lupcheong.
"Humgnee?spel" dried fish to be steamed.
dried tiny orange shrimp in a bag
furikake all types

j

"Thanks Victoria" :D
by Sandtrap
Sun May 13, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Water leaking from shared wall in condo - next steps?
Replies: 21
Views: 2293

Re: Water leaking from shared wall in condo - next steps?

Update: Wall was red herring. I was able to reproduce this by turning on washing machine at high water setting. It appears the drainage pipe either is pushing out water at too high pressure or it has a leak. As always, very thankful for the tips. I hope I don't ever get a leaky wall but if do, I wi...
by Sandtrap
Sun May 13, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: setting up trust- possible sibling drama may ensue
Replies: 34
Views: 2845

Re: setting up trust- possible sibling drama may ensue

1 Dad and son: seek estate attorney: legal counsel.
2 Draw up trust with provisions that define and express dad's wishes to the letter.
3 Successor trustee / executor: (you) follows trust provisions to the letter.

#1-#3 minimizes conflict, drama, etc.

j
by Sandtrap
Sun May 13, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 8647

Re: Does it make sense to rent as a retiree?

We are also trying to decide this question. We will probably rent, at least for the first few years, because we will be moving to a new city and we aren't sure which neighborhood we'll be happiest in. Having rented for many years as well as owned several homes, I can say that there are pros and con...
by Sandtrap
Sun May 13, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 8647

Re: Does it make sense to rent as a retiree?

Works great for some. I rent several townhouses to retirees and they have been content for many years.
But, DW and I are hobby DIY home improvers. That would not work well as a renter. So we own.
Besides, very few landlords take horses. :D
aloha
j
by Sandtrap
Sun May 13, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: First Post - On my feet?
Replies: 16
Views: 2206

Re: First Post - On my feet?

Welcome.
Congratulations on having a well thought out plan and the discipline to carry it out, at a young age.

Something to consider in your approach:

TAYLOR LARIMORE ON “SIMPLICTY”
https://www.bogleheads.org/forum/viewt ... p?t=156505

aloha
j :D
by Sandtrap
Sun May 13, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: About to fire advisor, lagging. Comments?
Replies: 17
Views: 1113

Re: About to fire advisor, lagging. Comments?

Congratulations. :sharebeer
When is this going to happen?
by Sandtrap
Sun May 13, 2018 2:21 am
Forum: Personal Finance (Not Investing)
Topic: setting up trust- possible sibling drama may ensue
Replies: 34
Views: 2845

Re: setting up trust- possible sibling drama may ensue

You are in a difficult position. Honor your parent's wishes. Respect your siblings. Read; Beyond the Grave: The Right Way and the Wrong Way of Leaving Money to Your Children (And Others) https://www.amazon.com/gp/product/0887307035/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 As long as your parent's ...