Search found 4232 matches

by Sandtrap
Sat Mar 31, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 5231

Re: Should I loan my child money for college?

dwickenh wrote:
Sat Mar 31, 2018 9:06 pm
jehovasfitness wrote:
Thu Mar 29, 2018 4:25 pm
If my parents loaned me money with interest payments, I'd tell them to take a hike smh
:oops:
:oops: :oops:
by Sandtrap
Sat Mar 31, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: Nice article on saving money and financial independence
Replies: 36
Views: 5106

Re: Nice article on saving money and financial independence

Article "sounds great".
But. . . nothing adds up.

What if she would post a 'Bogle" porfolio review?
Would it pass the mustard? :shock:

aloha,
j :D
by Sandtrap
Sat Mar 31, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Getting Furniture into a Basement
Replies: 39
Views: 2650

Re: Getting Furniture into a Basement

We just refinished a basement and are looking forward to getting some new furniture for it. However, the opening at the door is small. If you factor in the trim on the door, the width is only about 28 inches. I was wondering if anyone would have any suggestions about how to get large furniture into...
by Sandtrap
Sat Mar 31, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 10622

Re: What age is the best to give a child control of an inheritance?

Successor trustee and co-corporate trustee and or trust protector.
Incremental distributions.
Spendthrift provisions.
Provisions to limit redirection of funds not for her benefit, etc, etc.
Refer to “Beyond the Grave” by Condon.

J🌺🌺🌺
by Sandtrap
Sat Mar 31, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4057

Re: Tired of gas grills rusting out...

Everything rusts in Hawaii under the assault of salt air, especially on the Windward side of any island. Door hinges, window frames, computers, even Toyotas. Our stainless gas grill held up for many years. But anything that was made of regular steel rusted out. Ignitors, etc. Under the patio roof, c...
by Sandtrap
Sat Mar 31, 2018 10:36 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17065

Re: A lot of heavy hitters this morning

Can it be done? Yes, but it's not a healthy path (sleep tends to be the neglected component in the weekly time schedule) and it's far more work than someone of my generation had to do in order to go to college, much less my parents generation. I did something like that to go to college, but minimum...
by Sandtrap
Sat Mar 31, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Getting Furniture into a Basement
Replies: 39
Views: 2650

Re: Getting Furniture into a Basement

We just refinished a basement and are looking forward to getting some new furniture for it. However, the opening at the door is small. If you factor in the trim on the door, the width is only about 28 inches. I was wondering if anyone would have any suggestions about how to get large furniture into...
by Sandtrap
Sat Mar 31, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Getting Furniture into a Basement
Replies: 39
Views: 2650

Re: Getting Furniture into a Basement

Buy your furniture from Ikea. Most of it comes in a box and then you assemble it. Cushions are compressed as well. +1 Did the same thing. Worked out great. And saved a lot of money to boot. j :D How long does it take to assemble an IKEA sofa? Fairly quickly with a rechargeable impact driver and a h...
by Sandtrap
Fri Mar 30, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: These 3 Admiral Shares Funds?
Replies: 11
Views: 1404

Re: These 3 Admiral Shares Funds?

Hi, 55 year old with plans to retire in 12 years at 67 year old. Seriously considering transferring my 80K TRP Roth over to Vanguard, using the following 3 fund portfolio. Will this portfolio provide full diversification for me and cheaper than my TRP Roth with Cap Apprec at .71% ER? VBIAX - Balanc...
by Sandtrap
Fri Mar 30, 2018 9:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17065

Re: A lot of heavy hitters this morning

Can it be done? Yes, but it's not a healthy path (sleep tends to be the neglected component in the weekly time schedule) and it's far more work than someone of my generation had to do in order to go to college, much less my parents generation. I did something like that to go to college, but minimum...
by Sandtrap
Fri Mar 30, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance for a 13 year old
Replies: 29
Views: 2142

Re: Inheritance for a 13 year old

1 Seek legal counsel
2 Vanguard VPAS

In using legal counsel, nobody will get blamed for wrong decisions. Everything will be impartial.
Same for Vanguard VPAS

Otherwise there's too many cooks in the kitchen and someone is going to get burned, or blamed.

j :D
by Sandtrap
Fri Mar 30, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Hotel Fund Investment Oppurtunity
Replies: 9
Views: 659

Re: Hotel Fund Investment Oppurtunity

I've been approached to invest in a Hotel Fund that a company is raising capital to eventual build or acquire about 40 additional hotels to add to their existing portfolio. It sounds very much like a syndication deal that I'm familiar with that have been offer for residential housing. The "fees" ap...
by Sandtrap
Fri Mar 30, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 4042

Re: When did you know your kids would go to college?

We have two kids that are very different. They are both smart and could do whatever they set their mind to. My son, age 11, seems to lack initiative. My daughter, age 9, is the opposite. I don't want to get into the parenting aspect of raising kids, but I am curious as to WHEN you knew or suspected...
by Sandtrap
Fri Mar 30, 2018 10:31 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17065

Re: A lot of heavy hitters this morning

I do spend time with the youth of today. And I'm not talking about slackers or any of that nonsense. I'm talking about high-school educated teenagers from moderate to poor backgrounds who have to take out a large amount of student loan debt just to get a bachelor's degree in STEM because it's not p...
by Sandtrap
Fri Mar 30, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio evaluation
Replies: 38
Views: 2702

Re: Do I need to change anything?

I think I need to start a new thread as I messed up two different retirement plans and I need to figure out what I want to do with my previous emoters plan As they are both related, you can edit your original post and also the title of this thread, and include everything you want in it. That way, t...
by Sandtrap
Fri Mar 30, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Portable Inverter Generator vs Standby Generator
Replies: 78
Views: 2839

Re: Portable Inverter Generator vs Standby Generator

DW and I are in a rural area. Power is rarely out. But we are concerned about running the well if the power should ever go out since we have horses. We also considered the exact same setup. Honda 7000 generator and a transfer panel. But, we are getting older and messing with the generator is not get...
by Sandtrap
Thu Mar 29, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice on a 30 year bond investment ?
Replies: 9
Views: 580

Re: Any advice on a 30 year bond investment ?

Thank you for responding. I do not have an ips. As I stated I am 100% in stocks in the form of the two Vanguard mutual funds. I do not regard this as risky as I have $150,000 as a cash reserve. In my opinion this investment is not risky, maybe volatile. With a $1M investment in a munibond fund my A...
by Sandtrap
Thu Mar 29, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: When to sell my current home
Replies: 17
Views: 1092

Re: When to sell my current home

How are you paying for construction costs for the new home? Only by selling your existing and then renting? Did you consider using a HELOC to pay of the construction costs? You could still capture another 2 years or so of appreciative value on the existing home by the time you move into the new hom...
by Sandtrap
Thu Mar 29, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 3796

Re: Cosign college loan for sibling?

1 A parent asking a child to do this is not conscientious. The position of the senior member doesn't easily give the option of refusal. 2 The brother should ask himself. And, bear the consequence of refusal. 3 If you were single it would be different. But you now have your own family to consider jus...
by Sandtrap
Thu Mar 29, 2018 4:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17065

Re: A lot of heavy hitters this morning

I do spend time with the youth of today. And I'm not talking about slackers or any of that nonsense. I'm talking about high-school educated teenagers from moderate to poor backgrounds who have to take out a large amount of student loan debt just to get a bachelor's degree in STEM because it's not p...
by Sandtrap
Thu Mar 29, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: When to sell my current home
Replies: 17
Views: 1092

Re: When to sell my current home

How are you paying for construction costs for the new home? Only by selling your existing and then renting? Did you consider using a HELOC to pay of the construction costs? You could still capture another 2 years or so of appreciative value on the existing home by the time you move into the new home...
by Sandtrap
Thu Mar 29, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 34817

Re: What's your U.S. : International ratio?

About 85/15
US/International

Took me a lot to get to 15%
Still not sure whether to increase with new money coming in.

Fence sitting.
j :D
by Sandtrap
Thu Mar 29, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Getting Furniture into a Basement
Replies: 39
Views: 2650

Re: Getting Furniture into a Basement

Iliketoridemybike wrote:
Wed Mar 28, 2018 6:19 am
Buy your furniture from Ikea. Most of it comes in a box and then you assemble it. Cushions are compressed as well.
+1
Did the same thing. Worked out great. And saved a lot of money to boot.
j :D
by Sandtrap
Thu Mar 29, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: At what price difference would you no longer go with USAA for auto insurance?
Replies: 18
Views: 1605

Re: At what price difference would you no longer go with USAA for auto insurance?

Interesting.
We recently went with USAA for across the board insurance needs. Auto, Home, Umbrella, etc. We ended up with more coverage for less premiums.
j :D
by Sandtrap
Thu Mar 29, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice on a 30 year bond investment ?
Replies: 9
Views: 580

Re: Any advice on a 30 year bond investment ?

Welcome. Suggestions based only on the data provided would be weak. The concept of the forum is personal investment financial suggestions based on a "comprehensive" view of one's entire financial positions/assets/etc. While the question of whether "long term" bonds or "tax exempt bond funds" are via...
by Sandtrap
Thu Mar 29, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 5231

Re: Should I loan my child money for college?

A middle ground is to pay off her student loans when she graduates. (successful completion)
That would be compensation based on merit and achievement.
j :D
by Sandtrap
Thu Mar 29, 2018 3:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17065

Re: A lot of heavy hitters this morning

I think BHers can probably be summed up as those who would exhibit self-control as children in the marshmallow experiment. I just read about this experiment in this baby/parenting book I'm reading. The author suggests the best way to increase the likelihood of your kid getting into the college of t...
by Sandtrap
Thu Mar 29, 2018 12:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17065

Re: Old Clothes

Bogleheads: When I was a boy my Dad was manager of the Miami Laundry. Once or twice a year he would take me to their "Service Department" where lost or unclaimed (cleaned) laundry and dry-cleaning were neatly placed according to size. I could take my choice of any garment I wanted (all used). For m...
by Sandtrap
Thu Mar 29, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Cryptos- "Bear" with me here
Replies: 31
Views: 2436

Re: Cryptos- "Bear" with me here

I know most here aren't into investing in it, and I totally understand. ... Anyone else holding on to their cryptos right now during the big market down turn, and for those not in the game, would you cut and run, or use as a learning moment? I would disagree with that first statement a bit and I wa...
by Sandtrap
Thu Mar 29, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: AA - market timing vs. small adjustments vs buy and hold
Replies: 36
Views: 1761

Re: AA - market timing vs. small adjustments vs buy and hold

As you are near retirement, consider revisiting the following. (google the forum archives) 1. Retirement Red Zone (Kitces) 2. Bond Tent 3. Sequence of Returns Risk Then review this and how it relates to your allocation approaching retirement. Investing Behavior Pitfalls https://www.bogleheads.org/wi...
by Sandtrap
Wed Mar 28, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being stubborn about housing purchase
Replies: 27
Views: 3698

Re: Am I being stubborn about housing purchase

You are going about things in a very safe (for your family), conservative, mature, and well thought out manner.

You're not being "stubborn".
It's called "common sense".

Congratulations. :sharebeer
Keep up the good work.
j :D
by Sandtrap
Wed Mar 28, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Should I be worried about the S&P Index fund ?
Replies: 51
Views: 5674

Re: Should I be worried about the S&P Index fund ?

Quite a few folks a whole lot smarter than myself figure that funds like the Vanguard Total Stock Market Index Fund (Admiral Shares) does a fine job.

Works for me.

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

j :D
by Sandtrap
Wed Mar 28, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Target or multi fund?
Replies: 15
Views: 695

Re: Target or multi fund?

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

Keep it simple.
j :D
by Sandtrap
Wed Mar 28, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Anyone hold any defensive funds in their portfolio?
Replies: 41
Views: 3380

Re: Anyone hold any defensive funds in their portfolio?

Vanguard Total Bond (VBTLX)
Vanguard Int-Term Tax Exempt (VWIUX)

j :D
by Sandtrap
Wed Mar 28, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Freshly Minted Boglehead
Replies: 17
Views: 1170

Re: Freshly Minted Boglehead

Congratulations on your perseverance and successes. :sharebeer Looks like you're on a great path and have things well thought out. Consider building up a home library. Suggested Reading List https://www.bogleheads.org/RecommendedReading.php Forum Library of Investing Advice with links https://www.bo...
by Sandtrap
Wed Mar 28, 2018 4:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17065

Re: A lot of heavy hitters this morning

The tremendous value of the forum is that suggestions and advice, as well as mutual encouragement, "generally" comes from folks that have "walked the talk". :D Not book learned theory or spreadsheet desk jockeys. But, those who have accumulated wealth $1 at a time through work and savings -- diligen...
by Sandtrap
Wed Mar 28, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio evaluation
Replies: 38
Views: 2702

Re: Do I need to change anything?

These tools will help you organize and plan going forward. Morningstar will work well for different funds across various accounts. (PM me if you need step by step help using them) aloha j :D ONLINE FINANCIAL TOOLS PORFOLIO VISUALIZERS, PROJECTIONS, AND ANALYSIS https://www.portfoliovisualizer.com Fi...
by Sandtrap
Wed Mar 28, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Retirees: Do you spend all your "income"?
Replies: 46
Views: 4252

Re: Retirees: Do you spend all your "income"?

As an early retiree without any pension, and a long way from soc sec, this seems like a very odd metric. I aim to shoot for about a 3% withdrawal rate from my entire portfolio, I don't really care (too much) if it comes from "income" as defined here or from capital gains. About half my portfolio is...
by Sandtrap
Wed Mar 28, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12618

Re: Healthy eaters -- is this grocery budget normal to you?

It depends on whether you are in a HCOL or UHCOL vs LCOL area. It Hawaii, it costs a tremendous amount to eat very healthy (relative term) and sources are all expensive. vs: In a low cost of living area, it will still be high compared to "junk processed food" but much lower compared to a HCOL area. ...
by Sandtrap
Wed Mar 28, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: How does your retirement spending compare to pre-retirement spending?
Replies: 48
Views: 6343

Re: Retirees: How does your retirement spending compare to pre-retirement spending?

Post Retirement vs Pre Retirement "spending" Medical: way way way up :shock: (will drop "bigly" very soon due to Medicare) :D Daily: way down Hobbies/recreation: way down Base Expenses: rock bottom (UHCOL to LCOL) Home upgrades: up - but episodic We are just as frugal as we always were. Not "spendy"...
by Sandtrap
Wed Mar 28, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 3927

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

1. Don't Enable
2. Don't hover (micromanage)
3. Let the "flight feathers grow in" (learn to swim)
4. Transparency
5. Accountability
6. Call once a week. (builds a lifetime habit)
7. Have a sense of encouragement and humor vs levity.
8. Ground rules.
9. Rinse. . . repeat. . . .

j :D
by Sandtrap
Tue Mar 27, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on beginning for investments
Replies: 10
Views: 1054

Re: Guidance on beginning for investments

Welcome. You've come to a good place. First. . . consider a comprehensive look at your "entire" financial situation and goals going foward. 1 Consider having a no charge consultation with Vanguard VPAS services before you spend a dime on a financial advisor or move money into accounts. 2 Consider th...
by Sandtrap
Tue Mar 27, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anxious about retirement - Am I alone?
Replies: 10
Views: 2148

Re: Anxious about retirement - Am I alone?

We are interested in the bogleheads wisdom around the following topics. 1) What is the experience of people who have retired from meaningful careers? 2) Is our investment strategy too aggressive, for our situation? 3) Mortality table would suggest that we have another 20-25 years left; but perhaps ...
by Sandtrap
Tue Mar 27, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: My turn to ask - am I ready for retirement - can I say I'm FI?
Replies: 39
Views: 3723

Re: My turn to ask - am I ready for retirement - can I say I'm FI?

Sequence of Returns Risk is something that you might want to keep in mind. These are informative threads from the forum. 1. Avoiding Sequence of Returns Risk. https://www.bogleheads.org/forum/viewtopic.php?t=230590 2. How many years of fixed income to negate Sequence of Returns Risk https://www.bogl...
by Sandtrap
Mon Mar 26, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Should I proactively replace my central AC unit?
Replies: 33
Views: 2354

Re: Should I proactively replace my central AC unit?

A two stage unit, properly sized with a higher SEER rating will be a nice upgrade. Will it pay for itself? Likely not. We upgraded a similar unit. The unit running in the first stage is virtually silent. The old unit would run short cycles at turbo fan mode. It didn't run enough to remove humidity....
by Sandtrap
Mon Mar 26, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2682

Re: Buying a two family “investment” home

Thank you all Seems like it’s an option I should continue exploring. This likely wouldn’t even occur until the fall (after researching all summer) I don’t make spontaneous purchases, ever - I’ll reseaech a beer in the store before I buy a 6 pack if I have to The reality of putting so little down, a...
by Sandtrap
Mon Mar 26, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking input on new asset allocation
Replies: 6
Views: 624

Re: Seeking input on new asset allocation

Welcome :D

This is something that might really help you out.

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

IMHO: given the info you provided: Target Date Fund or "Bogle 3 Fund Portfolio". Less moving pieces. Same result.

aloha
j :D
by Sandtrap
Mon Mar 26, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: My turn to ask - am I ready for retirement - can I say I'm FI?
Replies: 39
Views: 3723

Re: My turn to ask - am I ready for retirement - can I say I'm FI?

Good suggestions all around. *You could get more comprehensive suggestions if you edit your original post (use pencil icon) in this format: Asking Portfolio Questions https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 With a list of funds used and fund available in your accounts there might b...
by Sandtrap
Mon Mar 26, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed before I go mad :D
Replies: 53
Views: 5235

Re: Help needed before I go mad :D

Thanks folks, much appreciated. I like the Vanguard target fund - seem like a good idea. Two quick questions: 1. All my assets are today with Fidelity, including employer-sponsored 401(k). Should I buy the Vanguard fund through Fidelity or transfer my assets to Vanguard? 2. How much of our income (...