Search found 45 matches

by Every things free
Mon Dec 09, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 62
Views: 17331

Re: Tree roots growing into sewer lines

Sewer lines are failing every where....and will continue. Band aids don't solve problems. Replace the sewer line with schedule 40 pipe. Compact the dirt under the pipe to minimize future pipe sag. Install a clean out within 5' of your house. You've corrected the problem for the next 3 generations of...
by Every things free
Thu Oct 03, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: high toilet
Replies: 33
Views: 3391

Re: high toilet

The high toilet won't be a problem with your wastewater (septic) system. Just get one with a low gal./flush usage.
Kim
by Every things free
Tue Sep 17, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4830

Re: Seasoned retirees...

I'm with Dan Mahowny,
Find two hobbies: One to make you money.
One to keep you in shape.
by Every things free
Mon Aug 12, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Any Western CO Folks Here (Durango?)? - Would you Rec?
Replies: 41
Views: 3508

Re: Any Western CO Folks Here (Durango?)? - Would you Rec?

I live in the city limits of Durango. What can I say?
Someone mentioned a problem with our airport. I've been all over the world. It all began at our airport.
Write me if you want the skinny on this place.

Kind regards,
Kim
by Every things free
Tue Jul 02, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6687

Re: Are you a serious DIYer?

I stay away from 2 things, concrete and roofing. Everything else I'm up to.

This year I got a contractors license so I can design,install and repair wastewater systems(septic). I also got licensed to test soil for those systems. Those were new things I had no knowledge of.
by Every things free
Tue May 28, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 12159

Re: House not selling

Many good posts for you and others to consider. In the last 18 months I have sold 9 properties. They were single family houses I had as rentals for years. Once listed all had contracts from 1 day to 2 weeks. All closed in a timely manner. There were 2 key components to the transfer of ownership. 1. ...
by Every things free
Mon May 06, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Diversifying beyond stock and bonds
Replies: 19
Views: 1851

Re: Diversifying beyond stock and bonds

My diversity strategy involves investing in myself. I am my greatest asset. Recently I've taken classes to be licensed and certified in a new field for me. It's also a needed field for our community and statewide area. I will continue to work, serve and make money. I'm not a dinosaur. I'm a tree. I ...
by Every things free
Mon Apr 29, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 10388

Re: EXTREMELY frugal things from our parents and grandparents

I grew up in the cold of North Dakota. Lots of ketchup sandwiches. Simply white bread with ketchup.
Kim
by Every things free
Mon Apr 15, 2019 3:38 pm
Forum: Personal Investments
Topic: $1.1 million rental portfolio, but tired of being a landlord
Replies: 87
Views: 11668

Re: $1.1 million rental portfolio, but tired of being a landlord

Somewhat similar situation here.
I've sold 9 single family rental houses in the last 24 months.
Why? To reduce stress and maintain personal health. I'm striving for simplicity in all my affairs. When I was younger it didn't matter.
It does now.

Kim
by Every things free
Sat Mar 30, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 55802

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I have a board of directors I get advice from. None have charged me a fee. Each has taught me a valuable lesson. My financial advisers are: J.D Rockefeller J.P.Morgan Andrew Carnegie Hetty Green Jack Bogle Warren Buffet Daniel Lapin Elon Musk Charlie Munger Jeff Bezos Richard Branson Bill Gates and ...
by Every things free
Sun Mar 24, 2019 8:07 pm
Forum: Personal Investments
Topic: What would be your perfect personal bond allocation
Replies: 15
Views: 1285

Re: What would be your perfect personal bond allocation

Lots of solid advice from others. What's fun about investing is you get to pick. I like bonds. Bonds like me. I like getting paid monthly. My bonds provide a moat for my stocks. My bond allocation is always at 40%-50% of my total portfolio. I'm focusing on 2 funds. VWIUX- Vanguard Intermediate-Term ...
by Every things free
Thu Mar 21, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 62
Views: 7244

Re: How to buy a mattress

I recently purchased a mattress and frame. I considered it one of the most complicated purchases ever. So many opinions, choices and prices as you've noticed reading the Bogleheads. I got my new mattress and frame and noticed after several nights sleep my back,neck and spine popped,cracked and reali...
by Every things free
Wed Mar 13, 2019 8:58 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5987

Re: Can i rely on rental property?

I have. For 35 years mine have paid for all my bills, 30+ ocean cruises and a healthy portfolio of stocks and bonds. My brother has 4 rentals and seldom has a vacancy.
Kim
by Every things free
Wed Mar 13, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 3637

Re: What time do you start your day?

At 5:30 am I was at the rec.center swimming. It's a beautiful warm pool. When I arrived the parking lot was already packed.
Very impressed considering it was pouring snow.
Kim
by Every things free
Thu Mar 07, 2019 5:14 pm
Forum: Investing - Theory, News & General
Topic: Guest Mike Piper on "Bogleheads on Investing" podcast talking Social Security
Replies: 17
Views: 5096

Re: Guest Mike Piper on "Bogleheads on Investing" podcast talking Social Security

I am most grateful for having this knowledge available. It has helped me plan and implement the strategy best suited for me.

Kim
by Every things free
Sun Mar 03, 2019 9:12 am
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2604

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

Dealing with Treasury Direct after getting hit by a bus. My thoughts also. I've dealt with TD for years. No more. As a moat to protect my other investments I went with VWIUX and VBTLX. Back to the bus. My 80+ year old grandmother was boarding a city bus in Buffalo years ago. The door closed on her c...
by Every things free
Wed Feb 27, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 2145

Re: Suggestion on high ceiling condo heat issues

I have ceiling fans in all our rooms. They circulate dust and are noisy. I never use them. I consider them dinosaurs. Consider adding a simple, low cost heat source. ConvectAir makes a unit that works. I believe they're manufactured in Montreal, Canada. The heater is 110 volt, no fan, no noise. It a...
by Every things free
Wed Feb 27, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: thinking about un-retiring
Replies: 45
Views: 8445

Re: thinking about un-retiring

There are at least 50 turkey vultures. They arrive in early spring and leave late fall. They all live in 2 giant willow trees. Early morning as the air heats they begin their upward soar. It's a great sight to see. My neighbor has been working there for the past 7 years. He's a seasonal worker. He w...
by Every things free
Sun Feb 24, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: thinking about un-retiring
Replies: 45
Views: 8445

Re: thinking about un-retiring

My neighbor who is 69 yrs. old believes one should never retire. He believes a person should always contribute to others in some way or another. After years in corporate America he found satisfying work caring for 42 acres of trees and grass in our city. On the property he encounters deer, squirrels...
by Every things free
Wed Feb 20, 2019 2:57 pm
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 4182

Re: Do you discuss BH philosophy with others?

I'd like to share the BH philosophy and help if I can. But, as others have posted, I need to be very discerning sharing my thoughts.
by Every things free
Tue Feb 19, 2019 1:42 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 10508

Re: How many bogleheads do you know in real life?

I've never met a Boglehead in person. Maybe someday I hope.
by Every things free
Sun Feb 17, 2019 1:12 pm
Forum: Personal Investments
Topic: Help - keep rental or sell and put in reit fund?
Replies: 12
Views: 729

Re: keep rental or sell and put in reit fund

Mentally we like the idea of keeping it. Logically it doesn't make much sense. Your question is good. Your'e thinking is good. The numbers are talking to you. Your grey cells are working. I can't advise you but consider adding 2 things to your thinking. 1. Every things for sale. Sooner or later your...
by Every things free
Sat Feb 16, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4897
Views: 1268676

Re: What Movie Have You Recently Watched?

The Red Violin. It's on Netflix. I remember seeing it years and years ago on a cruise ship. It's really good.
by Every things free
Fri Feb 15, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: What business did you sell?
Replies: 10
Views: 1125

Re: What business did you sell?

I never purchased a business but started and sold many. I started in my 20's as an elementary school teacher. I loved it but after 3 years I realized I couldn't make any money. So I resigned and became a business person The first business I built up and sold was a janitorial business in Denver. 100 ...
by Every things free
Thu Feb 14, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4140
Views: 1189131

Re: What Book Are You Currently Reading? Part VI

Since Oct.2018 19 books.
Just finished The Undoing Project by Michael Lewis and Business Secrets From the Bible by Daniel Lapin.
I'm encouraged to see all the readers.
by Every things free
Thu Feb 14, 2019 2:00 pm
Forum: Personal Investments
Topic: Muni Bonds for large part of Bond allocation smart?
Replies: 32
Views: 3868

Re: Muni Bonds for large part of Bond allocation smart?

Municipal bonds,VWIUX, are a large part of my bond portfolio. I add to them monthly. They're in my taxable account. I could live for many years off these bonds. They'll be the first money I'll access when needed. If needed. I read the post by Yogesh. He mentioned many things I agree with. One stood ...
by Every things free
Wed Feb 13, 2019 10:25 am
Forum: Personal Investments
Topic: Why international?
Replies: 144
Views: 11545

Re: Why international?

Because it contributes to your "reliable income stream".
by Every things free
Tue Feb 12, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35233

Re: Early retirees, how much did you leave on the table?

I've never left anything on the table because I've never left the table. I've always been self employed as my own business person. As I evolved I transitioned from one business to the next. I would build a business, sell it and transition to something more suited to where I was at in life. This past...
by Every things free
Mon Feb 11, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 7895

Re: How do I keep from becoming irrelevant

I recently read a book about artificial intelligence. The author claimed within the next 30 years 40% of current jobs will become obsolete. Many will rightfully worry about becoming obsolete. He mentioned a greater worry. That of becoming irrelevant. When you no longer feel needed it will affect you...
by Every things free
Sun Feb 10, 2019 8:58 am
Forum: Personal Investments
Topic: Alternatives to Total International Stock Index Fund for international investing
Replies: 22
Views: 3424

Re: Alternatives to Total International Stock Index Fund for international investing

Consider VEMAX. I like the exposure it has to the emerging markets of the world...China, India etc.
by Every things free
Fri Feb 08, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Describe doing new car purchase paperwork when you collect the car
Replies: 30
Views: 1704

Re: Describe doing new car purchase paperwork when you collect the car

Just purchased a new car last week. Our dealership has a woman who did the paperwork. It took a mere 6 minutes for the paperwork. Copied our drivers licenses. Reviewed the sales contract line by line. Signed off on a few papers ie: no accidents, correct mileage on trade in, waived extended warranty ...
by Every things free
Fri Feb 08, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 47643

Re: What lifestyle creep made you happier?

Nicer shoes. Setting aside more time to read books.
by Every things free
Thu Feb 07, 2019 12:07 pm
Forum: Personal Investments
Topic: Opinion on VTWAX [Vanguard Total World Stock]
Replies: 116
Views: 18345

Re: Opinion on VTWAX

VTWAX is a very good choice. I agree with the others who posted.
by Every things free
Tue Feb 05, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 115
Views: 9548

Re: If you are old, why bother with rebalancing!!?

Why bother rebalancing? I recently read a book where the author boldly projected that 80% of what we presently know about finances will be obsolete in 20 years. There will new products, strategies etc. bought on by man and artificial intelligence. His encouragement was, never stop learning! So today...
by Every things free
Tue Feb 05, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 144
Views: 14175

Re: What do you think are (some of) the best states to live in?

I happen to live in the Rocky Mountains. Our town sits at the base of 3 mountain valleys. Each day clean, fresh, crisp air flows down the valleys to us. It's very special. I'm very thankful.
Why am I aware of how special clean air is? I traveled to China and India and breathed filthy air.

Kim
by Every things free
Tue Feb 05, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1170
Views: 131112

Re: What frugal thing did you do today?

Home made foot insoles. I needed leather and cork. Thrift store. Found a woman's leather long coat. Enough leather forever. $10. Home Depot. Roll of cork with sticky backing. $4. I traced out my insoles on the leather and cork. Stuck them together. Walaha. Best insoles ever. Form fitted to my feet. ...
by Every things free
Mon Feb 04, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Advice regarding upcoming car purchase
Replies: 12
Views: 794

Re: Advice regarding upcoming car purchase

Several possibilities. Buy something you like and drive it until the wheels fall off. Or buy something new. I know about the something new. I've not had a maintenance bill of any kind for 25+ yrs. I can't remember when I last purchased tires, a battery etc. I don't even know prices. I don't want to ...
by Every things free
Sun Feb 03, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7520

Re: Building a house in rural mountains

After reading all the posts one thing stood out. Lots of moving parts.
by Every things free
Sun Feb 03, 2019 10:47 am
Forum: Personal Investments
Topic: New Money - Can I get it tax-protected?
Replies: 31
Views: 1846

Re: New Money - Can I get it tax-protected?

Many investors are enjoying the benefits of Vanguards Intermediate Term Tax-Exempt Fund. VWIUX
by Every things free
Sun Feb 03, 2019 10:35 am
Forum: Personal Investments
Topic: Help Convincing Spouse
Replies: 60
Views: 4808

Re: Help Convincing Spouse

Consider structuring your portfolio so simply that she would feel comfortable managing it herself.
by Every things free
Sun Dec 10, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 15862

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

I invest in three things. 1. My spiritual journey. It's most important. It's eternal. 2. My health. For then I'm available and flexible for what life brings. 3. My finances. It provides security and freedom with dignity. For most of my adult life I've been in control. I've made all the decisions. It...
by Every things free
Sun Mar 20, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 97
Views: 16394

Re: Early Retirees - What triggered you to retire?

This is what I remember. I was dying spiritually. My job required 95% of my little gray cells. I had little left for my relationship with God. So I prayed, please bring someone to purchase my business so I can spend more time with you. A month later, out of the clear blue, a stranger approached me a...
by Every things free
Fri Jan 15, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 16309

Re: Who's buyin' today?

Hetty Green taught me to always have some money available for moments like today.
I purchased TSM.

Kind regards,
Mrs. Money

P.S. Who was Hetty Green?
by Every things free
Sat Jan 09, 2016 8:29 pm
Forum: Personal Investments
Topic: I just lost $200,000 last week. Please help me.
Replies: 82
Views: 17271

Re: I just lost $200,000 last week. Please help me.

Hello Sunlinkle, Welcome to the forum. We are all proud of you for asking for advice. I have read all the previous posts and acknowledge the good advice you have received. Well done Bogleheads. We have all lost money and have scars. When you suffer a loss you can experience it internally or you can ...
by Every things free
Sat Jan 02, 2016 9:36 am
Forum: Personal Investments
Topic: Roll Call for Tax-Loss Harvesting Class of 2015
Replies: 62
Views: 5099

Re: Roll Call for Tax-Loss Harvesting Class of 2015

TLH $1700 from VTIAX. Painless.
Livesoft, I have no idea who you are but thank you for caring and sharing.
Bogleheads, thank you for allowing me to be part of the group.

Blessings to all,
Kind regards,
Mrs. Money