Search found 4253 matches

by Sandtrap
Wed Apr 11, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Why not annuitize most of portfolio?
Replies: 104
Views: 8055

Re: Why not annuitize most of portfolio?

Quotes for an SPIA with or without COLA can be found here: https://www.immediateannuities.com/a/annuity-annuities-1nem.html?gclid=EAIaIQobChMIxIb8wIOz2gIVhbXACh1OiAsREAAYASAAEgKTdPD_BwE 1 The SPIA annuity can optimize returns and create an income stream where one is lacking others, and also lacking ...
by Sandtrap
Wed Apr 11, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3196

Re: Any aggressive index funds in your portfolio?

Vanguard Total Stock Market - Admiral Shares - is as aggressive as is needed for me.
j :D
by Sandtrap
Wed Apr 11, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: What to do with some extra cash
Replies: 8
Views: 975

Re: What to do with some extra cash

Assuming you have adequate EF and retirement contributions.
#2

aloha
j
by Sandtrap
Tue Apr 10, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 5184

Re: Retirees: Who's increasing their equities as they age?

Currently in my 60s and am retired 7 years with a 45/55 AA. Been thinking about increasing my equity side a bit. Are there retirees who are/or are planning to up their equity proportion as they age and why they would be doing that? Excellent question. I suspect that many retirees here are pondering...
by Sandtrap
Tue Apr 10, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Are there any simple strategies that can help us squeeze better returns?
Replies: 45
Views: 2982

Re: Are there any simple strategies that can help us squeeze better returns?

This excellent post on "strategies" may be helpful to you.

"Reasons to Change Your Asset Allocation" by esteemed forum expert, "ferri"
viewtopic.php?t=25318

aloha
j :D
by Sandtrap
Tue Apr 10, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3224

Re: Anyone tried a sunrise alarm clock?

The light from the crack of dawn wakes me up. . . no matter how long I'd rather sleep. Huge windows and sliding glass doors in our bedroom. I've read that a more natural "waking up" process is healthier than the jolt of an alarm clock. No sure. Actionably: Leave the curtains open and let the morning...
by Sandtrap
Tue Apr 10, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: How would you rotate these tires?
Replies: 20
Views: 1636

Re: How would you rotate these tires?

dwickenh wrote:
Sun Apr 08, 2018 9:47 pm
I would replace the 3 worn tires with the two new on the rear, the 8/32 and other new one on the front until the next rotation. 4/32 is 1/32 from being illegal in some states. 5/32 is asking for trouble in wet road conditions.
+1
Safety first.
Does it snow or have ice or heavy rains in Denver?
by Sandtrap
Tue Apr 10, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing advice
Replies: 10
Views: 909

Re: Rebalancing advice

Sigh. The last time I posted here the google sheet was a suggestion of some of the frequent advice posters. I thought about that, but figured I'd take the last advice. Time to just go to a planner. This has become more trouble than its worth. And as they always say....'you get what you pay for'. So...
by Sandtrap
Tue Apr 10, 2018 2:19 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 87
Views: 6163

Re: What have you baked recently?

Chicken thighs with Chipotle seasoning. I try to avoid grains and added sugar as it is not agreeable with most humans. Care to share a recipe for baking those chicken thighs? Penzy's Chipotle Seasoning, Cayanne pepper, Salt, Ground Black Pepper both sides. Bake @375 until 170ºF in the center. Grill...
by Sandtrap
Mon Apr 09, 2018 9:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 79
Views: 10084

Re: Too much Bogleheads.org?

maybe someone should start a support group for people who get "too much bogleheads" :happy The beginning stages of "Boglehead Withdrawal". Symptoms: 1 Depression > "What if my allocation is too risky. . . " 2 Agitation > "Drat. . . a Correction. . I knew my allocation was wrong. . . " 3 Emotional O...
by Sandtrap
Mon Apr 09, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1684

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

The reason why stores have "Sales" is to get you to shop.

The best way to save money on a "Sale" is not to go.

j :D
by Sandtrap
Mon Apr 09, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7908

Re: Cash flow problems - best way to handle?

I am on a pretty tight budget. I live in a HCOL area and have a moderate income. This year I needed to get a new car so took a big chunk of money from savings. There have been a few other things that have come up as well, so my savings have gotten very low. I will need to pull some money out of sav...
by Sandtrap
Sun Apr 08, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 87
Views: 6163

Re: What have you baked recently?

Cycle wrote:
Tue Mar 20, 2018 6:23 pm
Chicken thighs with Chipotle seasoning. I try to avoid grains and added sugar as it is not agreeable with most humans.
Care to share a recipe for baking those chicken thighs?
by Sandtrap
Sun Apr 08, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Robotic lawn mowers
Replies: 18
Views: 1239

Re: Robotic lawn mowers

Are there any that will cut 20 acres? :shock:
aloha
j
by Sandtrap
Sun Apr 08, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the resolution of two commas
Replies: 4
Views: 948

Re: Improving the resolution of two commas

"nepers" is certainly better than 10X, 20X, 50X. . because if one's income/expenses was only 10k/year. . 50X sounds great but not compared to someone with 100k/year in retirement expenses.

"Nepers".
1 vote.

j
by Sandtrap
Sun Apr 08, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Newbie Looking to Get Started
Replies: 15
Views: 1227

Re: Newbie Looking to Get Started

Welcome Expenses: Rent? Fun. . what is fun monthly? CC debt. . list each and interest rate? Other debt. . i.e.: car payments. . list and interest rate? Other monthly outgoing? Why do you call it "Foundation". . what is "Foundation"? Fundamentally: increase or maximize what comes in. . . minimize wha...
by Sandtrap
Sun Apr 08, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Hold or sell rental property? Better for taxes to sell during retirement?
Replies: 10
Views: 770

Re: Hold or sell rental property? Better for taxes to sell on retirement income?

IMHO:
Sell
asap.
The property is a greater liability than an asset.

aloha
j
by Sandtrap
Sun Apr 08, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8645

Re: Regrets of the frugal and dying?

I have spent quite a few years doing volunteer work in care and nursing homes, as well as with many relatives and family now long gone. These seem to be the most common shared thoughts and feelings. Regrets 1 Time - better spent toward things of the heart vs time wasted on what is impermanent. 2 Mon...
by Sandtrap
Sun Apr 08, 2018 8:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 79
Views: 10084

Re: Too much Bogleheads.org?

I joined this site a few months back and am blown away with the amount of knowledge and support of this site. Between this site and the recommended books I have learned a tremendous amount and have become a more savvy and attentive investor. That being said, I find myself constantly thinking about ...
by Sandtrap
Sun Apr 08, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 68
Views: 4067

Re: If you want an actively managed fund, which one would you use?

Toons wrote:
Sat Apr 07, 2018 8:46 pm
Any Wellington managed fund.
:happy
+1
j :D
by Sandtrap
Sun Apr 08, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: DIY trust word placement
Replies: 16
Views: 821

Re: DIY trust word placement

An actionable "heads up". I have seen and experienced many a trust, both large and small, end up in litigation. They were all drafted by law firms. Some were outdated, others poorly constructed or drawn up in haste. IMHO, a poorly constructed trust, whether DIY or by legal counsel, that does not ful...
by Sandtrap
Sun Apr 08, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: DIY trust word placement
Replies: 16
Views: 821

Re: DIY trust word placement

Certificate of Trust is what many instituttions need. Suggest reviewing the trust with legal counsel. Many estate lawyers will not want to fix or revise a DIY trust, and would rather draft a new one. You can ask legal counsel draw up a "Restatement of Trust". Retired Businessman - not legal counsel ...
by Sandtrap
Sat Apr 07, 2018 9:47 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 163
Views: 18994

Re: 2-year CDs at Vanguard and Fidelity Today

Was answering a question about CDs. Secondary brokered CDs: $1 or $2 per bond at Vanguard, $1 at Fidelity. New issue CDs: no commission at either. Treasuries, auction or secondary: no commission at either. I thought that's what you meant but then I read: you will pay $2 per bond in commission on se...
by Sandtrap
Sat Apr 07, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 163
Views: 18994

Re: 2-year CDs at Vanguard and Fidelity Today

I just had a substantial CD come to term. Need to reinvest it. Have yet to purchase brokered CD's. Your thoughts on the New Issue vs Secondary? I have a Vanguard Acct. No Fidelity. I always look at secondary first, and typically am able to beat new issue by a smidge--somewhere between 2 bps and 7 b...
by Sandtrap
Sat Apr 07, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Comparison Help (VBTLX VS MWTIX)
Replies: 18
Views: 739

Re: Bond Fund Comparison Help (VBTLX VS MWTIX)

Here's a comparison on Morningstar
VBTLX vs MWTIX
Image
by Sandtrap
Sat Apr 07, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3395

Re: How do you estimate your home's market value?

A home's market value is the price that it can be "sold" (not listed) for today less commissions, fees, expenses, taxes, etc. To ascertain this: 1. Adjusted Curb Value. Immediate area. 2. Recent and trending home sales prices (not listed but what they were sold for) in the area and region. Much like...
by Sandtrap
Sat Apr 07, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11375

Re: What is your AA, given your age? and, Why?

Age in Bonds within a 5% band with a conservative tilt. 30/70. IMHO: allocation changes depending on whether one has "more to lose than to gain" or "more to gain than to lose". I am a huge fan, if not a "groupie" of Simplicity, both mental and actionable. To me, an investment portfolio of funds, no ...
by Sandtrap
Sat Apr 07, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3468

Re: How often do you replace your office shoes?

I replace my "office shoes" at least once a year depending on when they go on sale. Well used "office shoes" are used elsewhere or given to my sons or carried away by the dogs who use them for toys :shock: . I buy the best that I can buy, but sometimes "cheapies" are okay enough for the office or in...
by Sandtrap
Sat Apr 07, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: "The Secret"
Replies: 19
Views: 2610

Re: "The Secret"

There are so many books that sound good, smell good, taste good, and . . . . . sell good. The test is if the contents of a self-help, motivational, get rich quick and easy, or finance book, were posted on Bogleheads, would the moderators kick it out for being "non actionable" or an otherwise waste o...
by Sandtrap
Sat Apr 07, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2648

Re: !Please Advise on sensible housing for guy going through divorce!

Rent a "normal apartment" and get established there. Be prepared to be adaptable in the next several years as everything could turn on a dime when you least expect it. Plans made during a divorce can be made in haste or only based on existing and predicted conditions. Plans change as both parties' p...
by Sandtrap
Sat Apr 07, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14849

Re: Swedroe: Look Beyond 60/40 Portfolio

OP, I agree with the general theme of the article. However, I believe real investor return will be good. I could always count on the volatility of the market and recession to force 100/0 investor to capitulate. Then, a 60/40 investor that buy, hold, and rebalance will profit greatly. Not many folks...
by Sandtrap
Sat Apr 07, 2018 1:03 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 163
Views: 18994

Re: 2-year CDs at Vanguard and Fidelity Today

... What do you mean by 20,000 available? ... 20,000 available means that there are 20,000 units with a face value of $1000 each available for sale. Say you want to buy a face value of $10,000. If the minimum is equal to or less than 10 and the available is equal to or greater than 10, then you can...
by Sandtrap
Fri Apr 06, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical situation investing on property vs market
Replies: 21
Views: 1292

Re: Hypothetical situation investing on property vs market

Monthly income of $900 on a $230k purchase is really horrible. Bumping that as high as $1200 doesn't improve much. I would not do this. +1 That is a very poor CAP rate. A better buy would be a fourplex going for around 100k/door and renting for 1000+/mo for each with no HOA and a low or no mortgage...
by Sandtrap
Fri Apr 06, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 16544

Re: What can we learn from secret millionaires.

Those of us who have amassed that sort of wealth or are on track to do so should realize how fortunate and lucky we are. Yes, many of us worked hard, but we also usually had a lot of help, and caught some lucky breaks too. Luck had nothing to do with it, fortunate, depends on your perspective. Help...
by Sandtrap
Fri Apr 06, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 163
Views: 18994

Re: 2-year CDs at Vanguard and Fidelity Today

Typically Vanguard and Fidelity have had the same new-issue CDs with the highest yields, but today Vanguard has 2-year new-issues at 2.60% from Morgan Stanley Bank (two flavors), while the highest yield on a new issue 2-year CD at Fidelity if 2.55%. Yesterday Fidelity had the same Morgan Stanley CD...
by Sandtrap
Fri Apr 06, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14849

Re: Swedroe: Look Beyond 60/40 Portfolio

OP, I agree with the general theme of the article. However, I believe real investor return will be good. I could always count on the volatility of the market and recession to force 100/0 investor to capitulate. Then, a 60/40 investor that buy, hold, and rebalance will profit greatly. Not many folks...
by Sandtrap
Fri Apr 06, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14849

Re: Larry Swedroe: Look Beyond 60/40 Portfolio

http://www.etf.com/sections/index-investor-corner/swedroe-look-beyond-6040-portfolio?nopaging=1 This article is a major league must read. In many ways it is an extremely short summary of his recent Black Swan book. He starts out explaining why, given current interest rates and equity valuations, fo...
by Sandtrap
Fri Apr 06, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14849

Re: Swedroe: Look Beyond 60/40 Portfolio

OP, I agree with the general theme of the article. However, I believe real investor return will be good. I could always count on the volatility of the market and recession to force 100/0 investor to capitulate. Then, a 60/40 investor that buy, hold, and rebalance will profit greatly. Not many folks...
by Sandtrap
Thu Apr 05, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3691

Re: Any hardworkers here who half-a** at work?

There are many jobs in government, city and county (sitting and counting). . , private, etc, where showing up 90% of the job requirement. Suggest either adapt and find gratification, or move to another job that is more gratifying. Working from day to day without gratification and value is difficult,...
by Sandtrap
Thu Apr 05, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: What should I sell?
Replies: 19
Views: 2174

Re: What should I sell?

5. SDEM. $215k ($211k; new investment)
by Sandtrap
Thu Apr 05, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: Article on "Buckets" at Morningstar. How Does The Bucket Approach To Retirement Allocation apply to you?
Replies: 23
Views: 2363

Re: Article on "Buckets" at Morningstar. How Does The Bucket Approach To Retirement Allocation apply to you?

I'm not doing buckets - at least the way I understand them. I had a lopsided AA (too much equity) for someone about to retire, so I'm working on setting aside around 10yrs cash + bonds. Essentially what kitces callls the danger zone https://www.kitces.com/blog/managing-portfolio-size-effect-with-bo...
by Sandtrap
Thu Apr 05, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall: Education and a Condo. Costs of living?
Replies: 6
Views: 843

Re: Windfall: Education and a Condo. Costs of living?

Suggest.
Simplify.
Keep your options open.
Minimize expenses.
Minimize stress.
Minimize drama.
So that you can focus 100% on completing your education successfully.
Thereafter, the $ will come and you will have more options, better options.

aloha
j :D
by Sandtrap
Thu Apr 05, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6350

Re: Want/need some income in semi-retirement

They were younger but I have known several people that were school bus drivers to get some income and benefits as a pre-retirement job. At least around here they are always looking for school bus drivers since it has odd and limited hours so it does not work well for someone that needs full time wo...
by Sandtrap
Thu Apr 05, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation multiple accounts.
Replies: 9
Views: 666

Re: Asset Allocation multiple accounts.

These tools can help organize funds across accounts: ONLINE FINANCIAL TOOLS PORFOLIO VISUALIZERS, PROJECTIONS, AND ANALYSIS https://www.portfoliovisualizer.com Firecalc. Retirement. How long will your money last? https://www.firecalc.com Morningstar Instant Xray https://members.morningstar.com/Regis...
by Sandtrap
Thu Apr 05, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Article on "Buckets" at Morningstar. How Does The Bucket Approach To Retirement Allocation apply to you?
Replies: 23
Views: 2363

Re: Article on "Buckets" at Morningstar. How Does The Bucket Approach To Retirement Allocation apply to you?

What advice and/or suggestions would you give others who are inquiring about "Bucket Strategies"? Don't do it. The most succinct article I'm aware of that discusses the foolishness of all bucket strategies is Can Buckets Bail-Out a Poor Sequence of Investment Returns? by Moshe A. Milevsky. Here is ...
by Sandtrap
Thu Apr 05, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6350

Re: Want/need some income in semi-retirement

While we live in a high cost of living area, our COL is not that high. Our Medicare medical costs are very good (compared to the average) and we live in out home of many decades. We get real estate tax exemption and put low mileage on older cars. But are the suggestions helping? Yes - very much .. ...
by Sandtrap
Thu Apr 05, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 16544

Re: What can we learn from secret millionaires.

I grew up with dozens of "Secret Millionaires". None of them achieved that status by being an employee. All were business folks. All were very very savvy. Some were in the "market", some not. Uncle Bill: Went through the depression. Owned a street of apartment buildings in the heart of town. Walked ...
by Sandtrap
Thu Apr 05, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Article on "Buckets" at Morningstar. How Does The Bucket Approach To Retirement Allocation apply to you?
Replies: 23
Views: 2363

Article on "Buckets" at Morningstar. How Does The Bucket Approach To Retirement Allocation apply to you?

Excellent article in Morningstar by Christine Benz on "Buckets" "The Bucket Approach To Retirement Allocation" http://news.morningstar.com/articlenet/article.aspx?id=714223 The bucket approach to retirement-portfolio management, pioneered by financial-planning guru Harold Evensky, aims to meet those...
by Sandtrap
Thu Apr 05, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: LLC for rental property?
Replies: 20
Views: 1443

Re: LLC for rental property?

Yes. Absolutely true. There are many ways to set things up. I have quite a few business folk with very substantial assets with LLC's and without, and also with other setups. As for liability protection even with an LLC, in today's litigious climate, the "deeper pockets" are prime targets. Of course...
by Sandtrap
Wed Apr 04, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: senior investing
Replies: 26
Views: 1695

Re: senior investing

It sounds to me that an immediate annuity (preferably inflation adjusted) would be hard to beat in this case. If it puts his income above some public assistance threshold so be it. With his limited funds I don't see a better way. I would also agree with holding a bit back for a rainy day fund (but ...