Search found 1720 matches

by Sandtrap
Wed Oct 18, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?
Replies: 7
Views: 947

Re: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?

You won't get any real estate advice on this forum, except that real estate is risky, doesn't count in your portfolio, you should pay off your mortgage, and you should sell your land, properties, and commercial real estate. All of which is bad and misguided advice and not from any experience as an ...
by Sandtrap
Wed Oct 18, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: 2 Commas, Seven Figure
Replies: 19
Views: 3140

Re: 2 Commas, Seven Figure

Amazing!
:sharebeer
by Sandtrap
Wed Oct 18, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: Recommendations on truck/suv/crossover/wagon with comfortable seating
Replies: 11
Views: 740

Re: Recommendations on truck/suv/crossover/wagon with comfortable seating

I have had spine issues for many decades. Toyota Tundra with 6 way power seat. Any car with a power seat, more adjustments the better. Add lumbar support with those available online, try a ton of them to fine the right fit. I have never found a car seat or truck seat that did not improve by adding a...
by Sandtrap
Wed Oct 18, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2317

Re: Why so many "reversed" pictures?

This has been bugging me for a long time. It is fairly common to see photographs "reversed" both on Internet news stories as well as in ads. Today I even received a brochure in the mail promoting an upcoming vote on an amendment next month. The picture had a generic looking home with a sign with th...
by Sandtrap
Tue Oct 17, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 2628

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

Well, since the Bogleheads know everything, I'm asking for help here. My nephew is going to Optometry school in Puerto Rico. He's been home since the hurricane, but now the school is saying classes will begin again on November 1. Undergrad and other colleges have already started back. It's hard to ...
by Sandtrap
Tue Oct 17, 2017 11:44 pm
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 24
Views: 1411

Re: Brick Chimney Issues

But. . . if it is indeed solid brick, that would be interesting. But again, if it was permitted, it had to past structural requirements. Again. Should be fine. That often means close to nothing in practice. In bureaucracy land, it means it usually means that at least something was on the drawings s...
by Sandtrap
Tue Oct 17, 2017 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 93
Views: 7537

Re: how long did it take to get used to retirement

There are many days I don't feel retired, because there are more things I want to do than I have time for. DH says if I turned off the computer, I would be able to do more of my things. I agree, but I simply enjoy Bogleheads . OP, One thing you may be missing is regular social interaction . It's di...
by Sandtrap
Tue Oct 17, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Anyone who started a business what made you comfortable enough to take the chance?
Replies: 25
Views: 1933

Re: Anyone who started a business what made you comfortable enough to take the chance?

You address something I'm passionate about so I hope I am helpful and not too long: Like " KlangFool ", I come from a multi-generation business family. Nobody was an "employee". Everyone had a business, from laundromats to apartments to little "crack seed" stores. Perhaps cultural. Nobody had "days ...
by Sandtrap
Tue Oct 17, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Honest Contractor Reviews
Replies: 10
Views: 641

Re: Honest Contractor Reviews

Skip the reviews and look at some of his work in person, the older the better. Where I used to live concrete contractors would embed a stamp, with their name, phone, and year of installation. You can't beat looking at a contractor's prior work in person. Where possible, talk to previous customers. ...
by Sandtrap
Tue Oct 17, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 24
Views: 1411

Re: Brick Chimney Issues

It is most likely brick veneer. Don't worry about it if it is. You have a chaise with a double layer metal flue that runs up from inside your home to the roof. On older homes it might be brick from bottom to top and then very structural. However, in your case, it was designed that way and permitted....
by Sandtrap
Tue Oct 17, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: urgent battery pack recommendation for mac book pro
Replies: 10
Views: 499

Re: urgent battery pack recommendation for mac book pro

Could overnight a brand new Macbook Pro. :D
by Sandtrap
Tue Oct 17, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 93
Views: 7537

Re: how long did it take to get used to retirement

I retired from my job 3 months ago at age 59. Although I gave it a lot of thought before I actually pulled the trigger and had 3 trips planned immediately so that I was retiring TO something I am now home and experiencing let down. I guess I was just delaying the inevitable by keeping myself so bus...
by Sandtrap
Tue Oct 17, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my Mac Pro OS from El Capitan to Sierra?
Replies: 10
Views: 939

Re: Should I upgrade my Mac Pro OS from El Capitan to Sierra?

I delayed upgrades on one of my MacBook Pros and later, several versions later, it was difficult to update. Since then I upgrade as they become available. This is for Mac. There have been no problems. The only big difference between versions that is very obvious is each OS takes up more drive space....
by Sandtrap
Tue Oct 17, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2091

Re: Calculating max electrical load of your home

Thank you everyone for all the replies. (especially calijim) I got my question answered, which was essentially an inartful way of asking "what don't I know?" I did not intend to use the advice here to go do electrical work on my own, but rather to get some general knowledge which would allow me to ...
by Sandtrap
Tue Oct 17, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5508

Re: You career roots and your path to financial independence. "Actionable: steps and tips for others?

I live in a small over-55 condo community in a fairly HCOL area. FWIW on the issue of whether or not you can "make it" as a skilled blue-collar tradesman I've noticed that a significant percentage (>33%) of our community is populated by people who started out in the trades but who leveraged those s...
by Sandtrap
Tue Oct 17, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 93
Views: 7537

Re: how long did it take to get used to retirement

I've always been my own "boss" so there's never been the feeling of having the "shackles off" so to speak. But still. . . It's been about 5 years since winding down my R/E business and holdings. With most of it gone and no demands on my time, it's been quite an adjustment. The hardest part of "retir...
by Sandtrap
Tue Oct 17, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 93
Views: 7537

Re: how long did it take to get used to retirement

It helps if you can cultivate minor obsessions. I have a few: 1) Creating and expanding a logging road on my GF's 10 acre property, with chainsaw and 4WD pickup. 2) Cutting and stacking excessive amounts of hardwood firewood for both my house and the GF's house. 3) Searching out and biking the expa...
by Sandtrap
Tue Oct 17, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 12
Views: 1122

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

Roadtrek Agile Here,,,,2014 We have put 58000 miles on it since purchasing. I can't compare it to other Class Bs as I did not look at any other manufacturers or models. I knew about Roadtrek before I was in the market . Top notch quality,great customer service(that is critical) Excellent warranty W...
by Sandtrap
Tue Oct 17, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1784

Re: Storing Lawn Tractor over the Winter

Thoughts on changing the oil? It only has 10 hours on it (got it in late June and it takes about an hour to mow my lawn) Regardless of the seasons, some call for changing the oil after the first 5-10 hours of use to flush small metal particles from the break-in period. Others consider that unnecess...
by Sandtrap
Tue Oct 17, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 12
Views: 1122

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

We love our Travato. Purchased 2017.5 G this past July. It's 6'9" wide, 9'1" tall, 21 feet long. It fits in a regular parking spot but will stick out a bit like a work van. It's way easier to drive than pulling our 19" foot Forest River travel trailer which we love and still keep. The Travato gets ...
by Sandtrap
Tue Oct 17, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Buy a rental property before primary home?
Replies: 17
Views: 1308

Re: Buy a rental property before primary home?

JMO If you can convert non-producing assets into income producing and take depreciation, you would be ahead. Lenders tend to look at the ability to pay the monthly payments in the form of Income rather than uncommitted cash, stocks, bonds, or other RE. We discovered this in the purchase of our RE i...
by Sandtrap
Tue Oct 17, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 6860

Re: Vanguard expects "decent sized correction" soon

I hope the correction happens soon so that I can invest more. :D
Then again if it doesn't correct soon. . . .I can invest more.
by Sandtrap
Tue Oct 17, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?
Replies: 7
Views: 947

R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?

What are the differences and similarities in Real Estate Investment approaches between MMM (MisterMoneyMoustache), Bigger Pockets, and Bogleheads? IMHO there seems to be a specific target audience between the forums though they do overlap. I do appreciate the Bogleheads for keeping the forum non-com...
by Sandtrap
Tue Oct 17, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Buy a rental property before primary home?
Replies: 17
Views: 1308

Re: Buy a rental property before primary home?

Should I buy a rental property before my primary home (not planning to buy a duplex)? $600 k cash $400 k stocks $300 k yearly income (work plus business) 800s credit score No debt/in my 30s I am thinking about buying a house near my work ($400 k). However, I am not exactly sure if I see myself livi...
by Sandtrap
Tue Oct 17, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: How best to sell lot zoned for apartment?
Replies: 8
Views: 689

Re: How best to sell lot zoned for apartment?

Are any of adjacent properties vacant or have possible "tear down" potential? If that's the case some kind of co-operative deal with an adjacent property owner could increase the value of your property because of various efficiencies a developer could realize if a larger project was possible. Very ...
by Sandtrap
Mon Oct 16, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 12
Views: 1122

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

Hi Mr. Sandtrap, I'm a fan of the Roadtreks. As a matter of fact, I am writing this from my 2010 RT Popular - all snug in a campground on Lake Erie. I'm on a month-long trip at present, and have traveled solo for 5 years and over 60,000 miles in my beloved Roadie. (DH hates to travel.) You can't be...
by Sandtrap
Mon Oct 16, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: How best to sell lot zoned for apartment?
Replies: 8
Views: 689

Re: How best to sell lot zoned for apartment?

Advise the realtor to be sure to list it on Loopnet. I know quite a few R/E developers who scan it daily looking for "low hanging fruit", myself included. The subscription fee is high but it works well. http://www.loopnet.com As far as optimizing value. Same as selling a home. Presentation. 1. If it...
by Sandtrap
Mon Oct 16, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: ‘Sure Things’ Check-In
Replies: 8
Views: 1803

Re: Swedroe: ‘Sure Things’ Check-In

Outstanding!
Thanks Larry :D
by Sandtrap
Mon Oct 16, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 12
Views: 1122

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

Since you have a Toyota Tundra, maybe check out these: http://www.fourwh.com/ I don’t own one, but see a lot of them out there, especially in the Southwest. Thanks. I've been drooling over those for decades. The "Hawk" model would fit the Tundra perfectly and no problem handling the weight with eas...
by Sandtrap
Mon Oct 16, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5508

Re: You career roots and your path to financial independence. "Actionable: steps and tips for others?

In addition to everything else mentioned, I would also say that while Future Me welcomes a financial stable life every time I make a contribution or make smart financial moves, it is also important to take care of Present Me as well since Present Me is doing all of the work. People forget to take c...
by Sandtrap
Mon Oct 16, 2017 9:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 30917

Re: Roll Call for the Retirement Class of 2017!

It seems people on here are giving considerable notice to their employer when they decide to retire, i.e., months. A guess a lot has to do with the amount of respect you have for your employer, co-workers and the amount of transition that is required. I'm curious how folks think about the timing of...
by Sandtrap
Mon Oct 16, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 12
Views: 1122

Class B RV. Travato vs Roadtrek vs Suggestions?

I'm thinking of getting a Class B Rv. Maybe "lifestyle creep" but why not. Winnebago Travato $$$ vs Roadtrek 210 $$ vs other suggestions>? Requirements are: DW and I. Retired. Mostly for me solo. Spine friendly. Frig, bathroom/shower, stove, microwave. Not too large, easy to park, versatile, fits in...
by Sandtrap
Mon Oct 16, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1784

Re: Storing Lawn Tractor over the Winter

deikel wrote:
Mon Oct 16, 2017 6:49 pm
- change oil
- let it run until its out of gas
- take the battery out and place in the basement or ideally a warm room and put on a float

done
+1
Take the battery out. :oops:
A bit of Stabil is good then run until dry as fuel will still be in the float bowl and lines.
by Sandtrap
Mon Oct 16, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: good used car.
Replies: 11
Views: 1039

Re: good used car.

What color "Toyota Corolla"?
by Sandtrap
Mon Oct 16, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 25
Views: 1962

Re: Business Laptop Suggestions Request

High end Dell Laptop.
Windows 7
Microsoft Office/Business.

or

Lenovo Thinkpad P51
Microsoft Office/Business

Had high end business IBM laptops since the "butterfly keyboard", Thinkpads, and then the Lenovos. All solid.
by Sandtrap
Mon Oct 16, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7107

Re: How long for hedonic adaptation to set in?

I lived in one of my own rental buildings for many many years with DW and kids. Profits went right back into my company. Chose to save up and buy a very nice cozy mini ranch with lots and lots of acreage just at the edge of a pricey neighborhood outside of town. Paid cash. Not a mansion, just cozy, ...
by Sandtrap
Mon Oct 16, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2381

Re: How do you outfit your feet?

Retired. 1. Mug Boots or Bogs for stables and chores. 2. House slippers. Lined Moccasins. 3. Cowboy style boots (dirt doesn't get in, no laces) 4. New Balance Sneakers. 5. Danner boots. 6. Timberland Winter Boots. 7. Fishin' boots. 8. Golf shoes. 9. Slippers (Hawaiian style) A pair for every occasio...
by Sandtrap
Mon Oct 16, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: What are your best car battery purchase options?
Replies: 18
Views: 769

Re: What are your best car battery purchase options?

Costco for golf cart deep cycle batteries. In stock. Great prices. Over the years Costco has had better prices for car batteries and great and fast service. However: Just bought an AGM Battery (high end) direct from Interstate for my truck. $300 Costco could not special order it. However: When limpi...
by Sandtrap
Mon Oct 16, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 3455

Re: Joined the 1 comma club today!!!

:sharebeer
Congratulations1
Onward Onward. . . to the next "comma". . . and beyond.. . . . :D
by Sandtrap
Mon Oct 16, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation for the "Risk" part of your portfolio
Replies: 6
Views: 640

Re: Allocation for the "Risk" part of your portfolio

For those of you in or near retirement and set with the "safety" portion of your nest egg (20x annual expenses in stable savings/investments), how are you allocating the growth (i.e., at risk) portion? I am currently at 90:10, but wondering if this might be too aggressive per "conventional" wisdom....
by Sandtrap
Mon Oct 16, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1784

Re: Storing Lawn Tractor over the Winter

-Aviation fuel sounds a bit extreme! Thanks all. Can someone explain to me the battery tender and whether that's necessary? I don't have an outlet in my shed. The aviation fuel was actually recommended to me by my power equipment dealer. We have a small airport in town that he runs to every year Th...
by Sandtrap
Mon Oct 16, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Break-even investment on a single family home is... bad?
Replies: 3
Views: 600

Re: Break-even investment on a single family home is... bad?

Break-even = Bad. You quote: $367/mo profit on a single family home. Refrigerator replacement. Stove. Breaker panel shorted out. Several sewer calls to unplug. Water leak in the middle of the night and water damage. A/C n Heat (HVAC repair), etc, etc. One reroof to the roof will sap the profits for ...
by Sandtrap
Mon Oct 16, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Where to notarize legal zoom documents? Trouble getting witnesses
Replies: 14
Views: 955

Re: Where to notarize legal zoom documents? Trouble getting witnesses

I was having documents notarized at my local bank and needed 2 witnesses. It was a large main branch. They enlisted the help of fellow well known customers and agents there that were not employees.
by Sandtrap
Mon Oct 16, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 51
Views: 3217

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Thanks for the input all! Looks like you have settled on Oahu. I think you are wise to leave Maui for a whole separate vacation at another time. There is so much to do on Oahu, you might want to consider just an extra day or two. I would suggest (as others have) renting a car for a day if you want ...
by Sandtrap
Mon Oct 16, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: First time poster:NEED HELP! We are total newbies and late to the game*updated
Replies: 31
Views: 2317

Re: First time poster:NEED HELP! We are total newbies and late to the game

Thanks Sandtrap! I have read some of the wiki's that you posted. I was hoping that we could get some high level experience from the well educated folks on this forum. I would certainly appreciate it. We tried to post in the manner requested. We were hoping for the type of financial review tht we've...
by Sandtrap
Sun Oct 15, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Adding funds to portfolio full of individual stocks
Replies: 7
Views: 544

Re: Adding funds to portfolio full of individual stocks

Some helpful links: Bogle Philosophy https://www.bogleheads.org/wiki/Boglehe ... philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Boglehe ... art-up_kit Define General Investme...
by Sandtrap
Sun Oct 15, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2312

Re: Dental implants in Poland

I've spent a considerable amount of my time and money on educating myself and training in dental implantology. It is true that just because you have your surgery done in the USA it may not be done any better than another country. There is a ton of legislation currently in the courts that will soon ...
by Sandtrap
Sun Oct 15, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7107

Re: How long for hedonic adaptation to set in?

"If" one's inherently low "set point" could indeed be raised by "lifestyle creep", wouldn't the result be temporal and illusory at best? Recent findings in positive psychology indicate that the baseline level of happiness can be changed. In the book "The How of Happiness," Sonja Lyubomirsky has sta...
by Sandtrap
Sun Oct 15, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing - Personal Philosophies
Replies: 43
Views: 3605

Re: Rebalancing - Personal Philosophies

I rebalanced all through the 1990’s and during the first decade of the 2000’s. But now my stock allocation is about five percentage points above my target, and I’ve decided not to rebalance. The reason: all of my stocks are in taxable accounts, and rebalancing by selling shares would trigger signif...
by Sandtrap
Sun Oct 15, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7107

Re: How long for hedonic adaptation to set in?

"If" one's inherently low "set point" could indeed be raised by "lifestyle creep", wouldn't the result be temporal and illusory at best? Recent findings in positive psychology indicate that the baseline level of happiness can be changed. In the book "The How of Happiness," Sonja Lyubomirsky has sta...