Search found 1179 matches

by Sandtrap
Tue Apr 11, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: When to slow down.
Replies: 33
Views: 5408

Re: When to slow down.

In one path, one has the passion and drive and perhaps, ruthless ambition, to pursue a big dream, a huge goal, with passion and fervor. For those that choose that particular path, life is not defined by hours per week put into work, time off and paid leave earned, nor paid vacations due. Think, &qu...
by Sandtrap
Mon Apr 10, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Is a brokerage new issue CD FDIC insured?
Replies: 3
Views: 391

Re: Is a brokerage new issue CD FDIC insured?

thanks everyone for your help. :happy
by Sandtrap
Mon Apr 10, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Selling my condo with owner financing?
Replies: 24
Views: 1690

Re: Selling my condo with owner financing?

Avoid. Keep it simple. lower the price as needed.
by Sandtrap
Mon Apr 10, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need suggestions to invest 50K.
Replies: 10
Views: 941

Re: Need suggestions to invest 50K.

50k needed in 5 years = 5 year CD
by Sandtrap
Mon Apr 10, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is a brokerage new issue CD FDIC insured?
Replies: 3
Views: 391

Is a brokerage new issue CD FDIC insured?

I have always bought CD's direct from the banks. (old fashioned). I now have a trust account at both Vanguard and Schwab. Question: If I purchase "new issue" CD's through the brokerage, are they FDIC insured as if purchased from the bank? Reason for not getting direct is that some institut...
by Sandtrap
Mon Apr 10, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simulator For Tracking
Replies: 6
Views: 429

Re: Portfolio Simulator For Tracking

zuma wrote:For iPhone/iPad:

http://www.iportfoliotrader.com/


Will this work on a MacBook Pro or is there another App for that?
thanks
by Sandtrap
Mon Apr 10, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: What fund to choose for young investor?
Replies: 19
Views: 1615

Re: What fund to choose for young investor?

VBIAX Vanguard Balanced Index :happy
by Sandtrap
Mon Apr 10, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3438

Re: Anyone else own balanced index fund? [vbinx]

VBIAX Balanced Index Admiral 20%
Wellesley Income Fund Admiral 30%
Vanguard Retirement Income Fund 50%
Sleep Factor = 100% :happy
by Sandtrap
Mon Apr 10, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: When to slow down.
Replies: 33
Views: 5408

Re: When to slow down.

I know at first I thought this post was going to end with a "just joking" but apparently if you're not working yourself to death you're in trouble! :shock: Construction is a cyclical industry, poster Sandtrap has been around long enough to know it's a feast or famine type of business. No ...
by Sandtrap
Mon Apr 10, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Handling the Details of a Large Inheritance
Replies: 54
Views: 4762

Re: Handling the Details of a Large Inheritance

Your earning potential right now is the most valuable asset you have. You have been given an amazing gift/opportunity, but you should think long & hard about living off of the $1.6MM. There are plenty of jobs/careers that are fulfilling that would allow you to take care of your living expenses ...
by Sandtrap
Sun Apr 09, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9305

Re: Best take it everywhere camera

I'm looking at cameras with 1" sensors for an upcoming Alaska cruise. Don't want to hassle with DLSR and a bunch of lenses. Thinking about the SonyRx10iii, which is weather sealed and has a 24-600mm equivalent zoom. Awfully expensive, though ($1498). The Panasonic FZ1000 is my fall back option...
by Sandtrap
Sun Apr 09, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 2940

Re: Backyard shed, wood or "plastic"?

$1000 can buy a lot of 2x4's and plywood siding and OSB and roofing shingles. Post and pier construction. Concrete pier/base blocks. If you want to DIY from scratch. Otherwise, steel.
by Sandtrap
Sun Apr 09, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: My 72 year old father is looking for advice on where to park ~$300K
Replies: 20
Views: 2428

Re: My 72 year old father is looking for advice on where to park ~$300K

Ron wrote:
Sandtrap wrote:SPIA "Single Payer Immediate Annuity" not variable.

Actually, it stands for Single Premium Immediate Annuity (and yes, I have one - works well for my situation :mrgreen: )...

- Ron

:oops: senior moment
by Sandtrap
Sun Apr 09, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable Living Trust.....Listing of Assets
Replies: 7
Views: 919

Re: Revocable Living Trust.....Listing of Assets

No need to keep it current. Mine lists $10 with a $10 bill stapled to Schedule A. Gill +1 As long as the assets are titled properly and the trust is "funded". The "list" is for your convenience and also for the successor trustee. For multiple and complex assets, the successor tr...
by Sandtrap
Sun Apr 09, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Cold weather family summer vacation ideas
Replies: 32
Views: 2612

Re: Cold weather family summer vacation ideas

Hapuna Beach Resort on the Big Island of Hawaii.
VRBO vacation rental, Kamuela (mountain town), on the Big Island of Hawaii
by Sandtrap
Sun Apr 09, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Buying high yielding Bonds 5-10%
Replies: 21
Views: 2058

Re: Buying high yielding Bonds 5-10%

AFAIK, IMHO, Traditionally, "Boglehead" basics pursue "high yield" (risk/return) on the equity side vs bonds. And, bonds to mitigate risk.
IE:
Vanguard Balanced Index at 60/40 eq/bond.
2 fund, Total Stock 70% / Total Bond 30%
by Sandtrap
Sun Apr 09, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: When to slow down.
Replies: 33
Views: 5408

Re: When to slow down.

Also started in construction. Then worked up to my own company, Gen Cont, then R/E developer. Don't "slow down" until you have 3 years of income in emergency funds ($300k), purchased a home in cash, and have a Boglehead portfolio to be proud of that is well on it's way to 25X. Start a 401k...
by Sandtrap
Sun Apr 09, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds for emergency cash
Replies: 14
Views: 1999

Re: Vanguard funds for emergency cash

CD, High Yield Bank Account, Money Market account, cash.
by Sandtrap
Sun Apr 09, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Buy a new honda or continue with old one
Replies: 33
Views: 3322

Re: Buy a new honda or continue with old one

finite_difference wrote:At ~12 years old and 210,000 miles you have my blessing to buy a new Honda. :sharebeer

+1
Accord,Civic.
by Sandtrap
Sun Apr 09, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Target retirement income fund - anyone have?
Replies: 7
Views: 1381

Re: Target retirement income fund - anyone have?

Yes.20/80 allocation for Target Retirement. Also Wellesley income fund. Admiral Shares.
by Sandtrap
Sat Apr 08, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of ACA limbo situation?
Replies: 12
Views: 1132

Re: How to get out of ACA limbo situation?

DW and I have 2 years of limbo temporarily solved with ACA Blue Cross Blue Shield Arizona . . . through the "exchange". . purchased within the mandatory purchase "window" . . . .choice of one. . . . .
by Sandtrap
Sat Apr 08, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Top tape measures
Replies: 30
Views: 1969

Re: Top tape measures

+1 on the Stanleys. My favorite tape. I prefer the regular ones (not fatmax), they are contractor grade. The return is so smooth, those cheap ones will snap back so fast and pinch your fingers. Should be magnetic, the tape itself is a thin gauge steel. +1 on the +1. Been using Stanley PowerLock for...
by Sandtrap
Sat Apr 08, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Two fund allocation?
Replies: 11
Views: 1578

Re: Two fund allocation?

radiowave wrote:+1 on VTI over VOO

+1
by Sandtrap
Fri Apr 07, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: How much did your roof cost?
Replies: 47
Views: 7574

Re: How much did your roof cost?

Architectural concrete roofing tiles. Lifetime. Big big bucks. :shock:
by Sandtrap
Fri Apr 07, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: HVAC H-E-L-P! Water leaking from intake (return)
Replies: 12
Views: 625

Re: HVAC H-E-L-P! Water leaking from intake (return)

Check condensate drain line for leaks. Check secondary condensate drain line for leaks. Check safety catch pan/tray under the condenser unit. Check condensate line output fittings that go into the condensate drain pan. Check around air handler/ac unit for plugs to drain line output. Check slope of t...
by Sandtrap
Fri Apr 07, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: one last stupid question [What are "cash equivalents"?]
Replies: 44
Views: 4326

Re: one last stupid question

There are no dumb and no stupid questions.
You are in the right place.
Ask away.
by Sandtrap
Fri Apr 07, 2017 2:53 pm
Forum: Investing - Theory, News & General
Topic: one last stupid question [What are "cash equivalents"?]
Replies: 44
Views: 4326

Re: one last stupid question

rkhusky wrote:You could have multiple buckets - a couple years worth in cash and CD's, a couple years worth in short/mid term bonds, and a couple years worth in intermediate bonds.

+1
by Sandtrap
Fri Apr 07, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Are there stipulations to buying and selling index funds?
Replies: 4
Views: 426

Re: Are there stipulations to buying and selling index funds?

Schwab will deduct up to 2% for a early redemption fee. There will be no warning when you on on the webpage to "sell". The transaction will go through and the fee will be deducted from your account. Vanguard has a "pop up window" that gives a warning. I called Schwab about this a...
by Sandtrap
Fri Apr 07, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Top tape measures
Replies: 30
Views: 1969

Re: Top tape measures

stanley contractors 25 foot, "contractor grade" all yellow. take clip off and it fits in standard carpenter's tool bag nicely. Blade is stiffer, tip/hook section is stronger, retracts well and not whimpy. Have bought the same one for 4 decades as a working carpenter. If not that one, or ca...
by Sandtrap
Thu Apr 06, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: best place to keep $20k for 2 years
Replies: 20
Views: 2327

Re: best place to keep $20k for 2 years

sergeant wrote:A 24 month CD.

+1
by Sandtrap
Thu Apr 06, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire HD 10" tablet
Replies: 8
Views: 875

Re: Amazon Fire HD 10" tablet

Yes.Get it. No Ads option.
by Sandtrap
Thu Apr 06, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5770

Re: How many financial secrets?

Zero. DW and I = Circle of Trust :happy
by Sandtrap
Thu Apr 06, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4381

Re: Packing cubes for travel

Yes. Inexpensive sets of various sizes can be found online. Try it. :happy
by Sandtrap
Thu Apr 06, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 3706

Re: How best to handle disrespectful employee?

As a business owner and employer (no other "bosses"), I have zero tolerance for disrespect/ego (traditional definition) and bullying. A business out of harmony benefits nobody. Thus, the Letter: . . . . , "we regret to inform you that the demand of your position have changed. The exis...
by Sandtrap
Thu Apr 06, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: can you safely view BND as equivalent to saving?
Replies: 13
Views: 1175

Re: can you safely view BND as equivalent to saving?

No. I don't. Savings = FDIC insured bank issued CD, etc. Savings = security of principal.
by Sandtrap
Wed Apr 05, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Enjoying the journey to retirement
Replies: 23
Views: 2443

Re: Enjoying the journey to retirement

I am planning to visit several different areas of the country to decide if we want to move or stay put. There is one community in particular that has intrigued me for a couple years that I am looking forward to visiting soon. Great plan. DW and I did it based on HCOL to LCOL. Took trips over the pa...
by Sandtrap
Wed Apr 05, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why are the Vanguard Target Retirement Funds so heavily invested in International
Replies: 24
Views: 3380

Re: Why are the Vanguard Target Retirement Funds so heavily invested in International

Wellesley Income Fund, Balanced Index, Target Retirement. Not heavily International. Just enough.
IMHO great sleep factor. "Bogle" basics.
by Sandtrap
Wed Apr 05, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: New Tires for 2013 Mazda 3
Replies: 16
Views: 1083

Re: New Tires for 2013 Mazda 3

William4u wrote:Michelin Defender, hands down, is the best value for the money. It costs a little more up front, but they last about twice as long as many other tires (90k according to Consumer Reports).

+1
outstanding tire, lasts forever, quiet, very very stable.
well worth the money in the long run.
by Sandtrap
Wed Apr 05, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Financing a remodel
Replies: 13
Views: 682

Re: Financing a remodel

Many times in the past over the decades, DW and I have set money aside per month, per year, until there was enough to pay for things like this in cash. YMMV. One option amongst many. :happy
by Sandtrap
Wed Apr 05, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Lending a scooter to a friend for 3 months
Replies: 19
Views: 1747

Re: Lending a scooter to a friend for 3 months

I would pay the fees and sell the scooter. Peace of mind is worth the transfer fees. IMHO. AFAIK. YMMV.
by Sandtrap
Wed Apr 05, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 5782

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: 1885

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: 2443

Re: Enjoying the journey to retirement

You have arrived. Enjoy the process. :sharebeer 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. Y...
by Sandtrap
Tue Apr 04, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Enjoying the journey to retirement
Replies: 23
Views: 2443

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: 2895

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: 716

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: 3118

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, ...

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