Search found 1186 matches

by Sandtrap
Wed Apr 05, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 5989

Re: Keurig Coffee Makers

I had a Keurig high end model for a few years then went back to a small regular drip coffee maker which took less space and I didn't have to mess with buying the "cups" which ended up, to me, costing more. Also, DW wanted the counter space back. I also didn't like that it was difficult to ...
by Sandtrap
Wed Apr 05, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Old [person] playing catch up in retirement
Replies: 10
Views: 2007

Re: Old [person] playing catch up in retirement

The lower ER adds up over time. Balanced Index Fund in Admiral Shares (VBIAX) has an expense ration of .08 with a minimum investment of 10k. VS Investor Shares with an ER of .22 and a minimum investment of 3k. Allocation is set at around 60/40. Vanguard Target Retirement 2035 (VTTHX) is a "fun...
by Sandtrap
Wed Apr 05, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Enjoying the journey to retirement
Replies: 23
Views: 2585

Re: Enjoying the journey to retirement

You have arrived. Enjoy the process. I really think that is the feeling, whether you label it "having arrived" (excellent phrasing) or "having enough" you start to move beyond accumulation into a more concrete world with many of the possibilities you have hoped for. You beginnin...
by Sandtrap
Tue Apr 04, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Enjoying the journey to retirement
Replies: 23
Views: 2585

Re: Enjoying the journey to retirement

Everyone has their own approach to things to get the most reward and self satisfaction. Congratulations!!! Stretch it out. Enjoy the process. Savor each bite. Whether you commit or not matters not. Research the photography, the new spiffy wheels, the RV, the boat, the Tai Chi classes, the cruise shi...
by Sandtrap
Tue Apr 04, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 3032

Re: Buying House with Odor (not cigarette)

Dealbreaker. I am that 1 person in the room with chemical sensitivities. Chlorine based cleaning chemicals, ammonia, solvents, you name it. There's no reason for even testing it IMHO. One person's reaction is self evident and obvious. Matters not that it tests "okay" by a third party or ag...
by Sandtrap
Tue Apr 04, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Need mortgage loan for a residential investment property
Replies: 8
Views: 776

Re: Need mortgage loan for a residential investment property

unclescrooge wrote:What are you trying to accomplish by putting them in LLCs?

+1
by Sandtrap
Tue Apr 04, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: replace or keep car with 60k miles?
Replies: 39
Views: 3203

Re: replace or keep car with 60k miles?

DW and I will own a car as long as it does not have major repairs that cost more than the car is worth. IE: transmission, engine, etc. Otherwise, we will own a car until I have to caulk the window seals to keep them from leaking. I had an old early Toyota pickup with the 22R motor that ran forever, ...
by Sandtrap
Tue Apr 04, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to manage lump sum from real estate sale
Replies: 18
Views: 2459

Re: How to manage lump sum from real estate sale

i have been in your near exact position. Sold my R/E holdings (apartment buildings and high rises) invested in and self managed over many many decades, as a sole proprietor. Also used a portion to move from HCOL to LCOL and buy a home and reinvest some of the proceeds into more income property. The ...
by Sandtrap
Tue Apr 04, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6136

Re: Early retirees - how did you inform your loved ones and friends?

I am curious about this. Those who are blessed to retire early, how did you inform your family and friends? What was the conversation like? Did you throw a party for the people that were close to you? I can see people's reaction of admiration, happiness, jealousy, contempt etc. Did that factor into...
by Sandtrap
Tue Apr 04, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement vs Total Stock Market
Replies: 13
Views: 2306

Re: Vanguard Target Retirement vs Total Stock Market

Per OP's question (within choices given) : Vanguard Target Retirement. . . . or Vanguard Balanced Index Fund. :happy
by Sandtrap
Tue Apr 04, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 6328

Re: Help with college chioces

IMHO, AFAIK, it matters not what university on a job application. What matters is performance at that university, though not even by that much. A full tuition scholarship would free up funds or even perhaps have a greater chance for additional scholarship for grad work. Others may differ as far as s...
by Sandtrap
Tue Apr 04, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 32
Views: 3061

Re: Where to buy new iPhone

I bought mine straight from Apple. Did not want to worry about counterfeits or DOA or other issues.
Iphone7 plus.
Pricey but wonderful.
My lst Iphone. :D
by Sandtrap
Tue Apr 04, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Stabilization, Not Stagnation - Vanguard Infographic
Replies: 2
Views: 406

Re: Stabilization, Not Stagnation - Vanguard Infographic

Thanks for the article:

Looks like a LMP (Liability Matching Portfolio) per Bernstein/Swedroe will have a good chance of surviving well. :happy
by Sandtrap
Tue Apr 04, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; "Should I stay or should I go now?"
Replies: 61
Views: 10221

Re: Military Retirement; "Should I stay or should I go now?"

Well said. Very true. For my FIL, age 95, WWII had a little tough pace of operations, then Korea. Later, 60's. My number. Vietnam was also a little difficult. Thanks for serving. Ha! There are older retirees and then there are OLDER retirees! If I knew I was going to live until 95, I'd probably loo...
by Sandtrap
Tue Apr 04, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; "Should I stay or should I go now?"
Replies: 61
Views: 10221

Re: Military Retirement; "Should I stay or should I go now?"

Asked my FIL. Retired Air Force. Started as a private, retired rank of Major. He said "stay". Best deal on the planet. Benefits, medical, etc. Keep the momentum going. "Stay the Course". He went in very early, put in 30 years, then worked for fed at the VA admin, so maxed dual r...
by Sandtrap
Tue Apr 04, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6136

Re: Early retirees - how did you inform your loved ones and friends?

Index Fan wrote:In my experience, the less personal information you volunteer to everyone, the better. Sadly.

All sorts of assumptions will be made about you, often fitting what people want to think about you, or what advantage they can take of you.

+1
by Sandtrap
Tue Apr 04, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 26353

Re: Low-earners- What is your profession?

I'm a surgeon in private practice for 30 years. Used to be a "high earner". Last 2 years I couldn't even take a paycheck to keep my practice afloat. Obamacare is ruining us. Most young doctors want to go and work for a hospital or network for a fat salary right out of training, and I can'...
by Sandtrap
Tue Apr 04, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6136

Re: Early retirees - how did you inform your loved ones and friends?

the biggest scare of all for humans--change. worse than snakes? I doubt it. I'm more terrified of retirement than snakes, or risking everything to buy a high rise building. Retirement is a very strange world for a workaholic self-employed businessman. Somehow, my pensioner friends have had a very e...
by Sandtrap
Tue Apr 04, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 97
Views: 16033

Re: Comfortable Vehicle Front Seats

My wife and I have knee and leg pain, and I have a bad spine. I drive a 2017 Chevy Malibu, my wife a 2013 Toyota Camry, with both having 3-way adjustable power seats, seats are cloth. We like our seats, very comfortable, adjust them until seating is most comfortable. Ditto on bad spine. I can't ben...
by Sandtrap
Tue Apr 04, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Old [person] playing catch up in retirement
Replies: 10
Views: 2007

Re: Old [person] playing catch up in retirement

Also retired. . . . from decades of self employment. Also, late starter. Also "old person" plus a few decades. Also late bloomer. IMHO, at age 44, make sure you have enough in your "buckets": emergency fund (1 years income since self employed), then longer term able to set aside...
by Sandtrap
Tue Apr 04, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6136

Re: Early retirees - how did you inform your loved ones and friends?

Most people don't care really. + Agreed. Conversation Usually goes like this: Me: "By the way. . . .. . .. I'm retiring. . . . . " Loved one or Friend (LOF) "Finally. or. . (about time. . or . . why?) . . . .you up?" Me: "You're away. .. . . hurry up. . . we're falling behi...
by Sandtrap
Tue Apr 04, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; "Should I stay or should I go now?"
Replies: 61
Views: 10221

Re: Military Retirement; "Should I stay or should I go now?"

Asked my FIL. Retired Air Force. Started as a private, retired rank of Major. He said "stay". Best deal on the planet. Benefits, medical, etc. Keep the momentum going. "Stay the Course". He went in very early, put in 30 years, then worked for fed at the VA admin, so maxed dual re...
by Sandtrap
Mon Apr 03, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Old [person] playing catch up in retirement
Replies: 10
Views: 2007

Re: Old [person] playing catch up in retirement

I've been a late starter in pretty much everything. I try not to refer to myself as a late bloomer as I think its just an excuse for being dumb in my younger years I'm already 44 and just started contributing to my retirement fund so I need to catch up big time. I'm self employed and recently opene...
by Sandtrap
Mon Apr 03, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs for less...Has anyone done this....
Replies: 46
Views: 4005

Re: Switching Jobs for less...Has anyone done this....

Yes.
Too many times.
Some worked out. . . some didn't. :oops:
by Sandtrap
Mon Apr 03, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Did you and your spouse have different opinions on retirement income need?
Replies: 31
Views: 2751

Re: Did you and your spouse have different opinions on retirement income need?

. . . . . . As far as different opinions between spouses - a constant source of friction between my wife and myself is 'not having a paycheck' in retirement. Actual paychecks, pension (not eligible for any) checks, and SS (not taking it yet) checks count as paychecks, income from multi-million doll...
by Sandtrap
Mon Apr 03, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9042

Re: Dream vacation spots?

Hapuna Beach Resort on the Big Island of Hawaii. 1 great and reasonable priced resort golf, "kamaina rates" are low. 2 awesome crab and prime rib and seafood asian buffet 3 quiet, secluded, yet modern VRBO Makawao on the slopes of Haleakala on the island of Maui, in Hawaii. rolling high mo...
by Sandtrap
Mon Apr 03, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 26353

Re: Low-earners- What is your profession?

I regularly see mention in these threads of how Americans out earn the citizens of many other countries in the world, with the implication that we should somehow be grateful for that. Bogleheads know income is only one side of the equation. When I stop seeing media reports of how U.S. citizens pay ...
by Sandtrap
Mon Apr 03, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 97
Views: 16033

Re: Comfortable Vehicle Front Seats

As others have mentioned, I flipped the headrests so they don't tilt forward. (Who designs these things?) Comfortable front seats and driving positions are hard to find. But, at least not as hard as finding comfortable airline seats that are not lst class. It was around 2009 or so that a federal re...
by Sandtrap
Mon Apr 03, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 26353

Re: Low-earners- What is your profession?

You won't like the answer; 0. Two earner family. 1. Could not afford to buy house, so rent in a cheap place. 2. Could not afford to buy vehicle, so walk or ride bike to jobs. 3. Delay having children, so money goes to investments for many early years. Children go to public schools and before that i...
by Sandtrap
Mon Apr 03, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 12020

Re: Currently have $700,000 at 26 years old get $100,000 a year

Actionable options: First >> 1: Funds in a conservative LMP (liability matching portfolio) focusing on conservative preservation of what you have and a minimal 2-3% annual withdrawal rate for a minimal income stream (frugal). Second>>2: Options: A. Take the ASVAB (even if just for kicks), talk to th...
by Sandtrap
Mon Apr 03, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Verbal abuser at work
Replies: 37
Views: 3059

Re: Verbal abuser at work

A bully poisons a workplace. The only way to deal with a bully is by swift and strong action. Your friend and her colleagues need to visit HR. Today. +1 This cure for a bully is to get put into place by a much larger authority. Serious visit to HR with follow-up and decisive action is in order. How...
by Sandtrap
Mon Apr 03, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Annuities the answer for correctly timing transition to retirement?
Replies: 89
Views: 4632

Re: Annuities the answer for correctly timing transition to retirement?

I know that generally speaking annuities are not well thought of on this board. Voice Of Reason: I'm not sure this statement is correct. It is true that most annuities are poor investments. However, most authorities agree that a low-cost Single Premium Life Income Annuity can be an excellent invest...
by Sandtrap
Mon Apr 03, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 5239

Re: Is Craigslist still the main site to sell stuff locally?

IMHO Craigslist has gotten "flakier" over the years since it started and one has to be more careful, both buying and selling. However, it is still a low cost way of selling or buying things with good local exposure. Also good for other things like renting apartments, finding services, etc....
by Sandtrap
Mon Apr 03, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Helping explain low cost indexing to friends
Replies: 19
Views: 1614

Re: Helping explain low cost indexing to friends

Actionably: perhaps emailing a link to the "Bogleheads" forum is a simple tangible step to explain low cost indexing to friends without debate, conflict, defensiveness, or judgement. Or the "Startup Kit" from the Bogleheads WIKI. I looked at that 2 weeks ago and was reminded tha...
by Sandtrap
Mon Apr 03, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Beginner Boglehead, looking for advice
Replies: 12
Views: 1718

Re: Beginner Boglehead, looking for advice

Also suggest reading through the Boglehead forum "book list", as well as links if you have not already.
Welcome :happy
by Sandtrap
Mon Apr 03, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Helping explain low cost indexing to friends
Replies: 19
Views: 1614

Re: Helping explain low cost indexing to friends

Actionably: perhaps emailing a link to the "Bogleheads" forum is a simple tangible step to explain low cost indexing others who care to ask. I have found that over the course of 18 holes of golf, most folks would rather explain their own career and choice of investing rather than hear from...
by Sandtrap
Mon Apr 03, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 26353

Re: Low-earners- What is your profession?

This is a pretty humorous thread. Folks making just under $100K calling it "low-income"? Our family makes much less, and we aren't low income. Please change the title. The thread title came from the opposite thread I read earlier, where someone asked about professions making $100k or more...
by Sandtrap
Sun Apr 02, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning Today Course
Replies: 16
Views: 1693

Re: Retirement Planning Today Course

May be good basic source material for investment finance.
Can't remember, brings to mind that movie with Nicholas Cage, "Straw Men"?

Learn and also, be very very careful.
by Sandtrap
Sun Apr 02, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10050

Re: What career helped you become wealthy?

Of course wealth is relative, but I think most people would agree if you are in the bottom 1% you are poor and in the top 1% you are wealthy. A billionaire saying he isn't wealthy because all his friends have 10s of billions is just silly. I agree that most of the very wealthy that didn't inherit m...
by Sandtrap
Sun Apr 02, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Why Buffet likes S&P 500 Index over a TSM Index Fund?
Replies: 51
Views: 6677

Re: Why Buffet likes S&P 500 Index over a TSM Index Fund?

TSM is more diversified. Per "Bogle" emphasis on diversification. . . therefore. . . .?
Perhaps get both?
by Sandtrap
Sun Apr 02, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Will vs Living Trust
Replies: 59
Views: 5352

Re: Will vs Living Trust

Everything my wife and I own is joint except for individual IRAs and beneficiary should cover that. If one of our kids dies before my wife or myself I would change my documents accordingly. My basic question is a Will sufficient or would BH folks recommend a Living Trust. Sounds like a "will i...
by Sandtrap
Sun Apr 02, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10050

Re: What career helped you become wealthy?

To someone growing up on a farm with rubber boots, jeans, and an old tee shirt for daily wear, "wealth" and even, "career", takes on a different context than others. No matter the "commas" or "figures", each defines "wealth" at a deeply personal lev...
by Sandtrap
Sat Apr 01, 2017 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab offering .03% ER
Replies: 75
Views: 3920

Re: Schwab offering .03% ER

duplicate
by Sandtrap
Sat Apr 01, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10050

Re: What career helped you become wealthy?

My definition of "wealthy" is net worth north of 8 figures. (not me) I have associated and been close friends, and relatives, with very high annual income but did not end up "wealthy". OTOH some of then were from low annual incomes and not college or university educated but were...
by Sandtrap
Sat Apr 01, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Help me respond to an angry insurance agent!
Replies: 38
Views: 4623

Re: Help me respond to an angry insurance agent!

"Thank you for your help. I keep you in mind and contact you in the future if needed. Until then, Aloha." No further response or conversation or dialogue needed nor obligated to after that. Automatic spam folder. Automatic call block on cell. There's no room for emotion, drama, or "ta...
by Sandtrap
Sat Apr 01, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Necessary to repair termite damaged woods?
Replies: 6
Views: 984

Re: Necessary to repair termite damaged woods?

The foremosan subterranean ground termite will devastate a home and should be addressed first. They also can establish secondary locations that are not on the ground as in between layers of plywood on the roof, etc, as long as there is a source of water. I have seen ground termite tubes go all the w...
by Sandtrap
Sat Apr 01, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10050

Re: What career helped you become wealthy?

Hey Bogleheads, Just curious as to some of the more popular professions around the board that have provided healthy sources of income to lead you to wealth? For instance, I'm only 24 and a recent grad but am in IT sales. Does anyone trade/invest for a living? IMHO and limited experience, as an anal...