Search found 751 matches

by Sandtrap
Wed Feb 22, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 63
Views: 9461

Re: anguard opens special offices for $1 million clients

Livesoft, You misunderstood me. The linked article says that vanguard will have three offices where flagshipers can meet face to face with their reps. However, those three locations a are too far from the vast majority of their FS customers. I heard from a FS rep in Scottsdale that the vast vast ma...
by Sandtrap
Wed Feb 22, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 29
Views: 1558

Re: Open vanguard CD Order

Why would one buy a brokered CD vs directly from the bank? 1. Convenience: You can hold CDs in the same brokerage account as your other investments. This is especially nice for IRAs, where you'd otherwise need to do custodian-to-custodian transfers when changing banks to get a good interest rate. 2...
by Sandtrap
Wed Feb 22, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 29
Views: 1558

Re: Open vanguard CD Order

Why would one buy a brokered CD vs directly from the bank?
by Sandtrap
Wed Feb 22, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 63
Views: 9461

Re: anguard opens special offices for $1 million clients

Does this mean I will be able to walk into a physical Vanguard office in Phoenix just as I do Schwab in Scottsdale?
by Sandtrap
Wed Feb 22, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 41
Views: 2041

Re: Dishwasher suggestions. LG Quad Wash vs???

FraggleRock wrote:CR says: Bosch is most reliable brand (10% repair rate). Samsung is the least (23%).
CR's highest rated dishwasher is KitchenAidKDTM354DSS

Huge thanks.
This is what I was also looking for.
by Sandtrap
Wed Feb 22, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Getting the snip: Should it be me or my partner?
Replies: 13
Views: 1454

Re: Getting the snip: Should it be me or my partner?

This is a 1/99 allocation decision for risk and value as well as long term vs short term recovery from a black swan event.
I would strategize to be the least invasive to the portfolio as possible to accomplish the same outcome.
by Sandtrap
Wed Feb 22, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 6897

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

You have Balanced Index at 60/40 internally and Wellesley 35/65 internally. Are you using the TIPS funds and Bond funds to tilt it to your allocation? Yes. As the normal advice is to have mostly equites in your taxable account I needed my TIRA to have a more modest equity allocation. I don't care f...
by Sandtrap
Wed Feb 22, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 107
Views: 7546

Re: For people who think the market is going to crash, where along the continuum are we?

I was a little boy and my business entrepeneur mom drove me to the top of a mountain where we could look out over the city. She pointed out each "tower crane" (high rise construction project) over the skyline and knew every project, every developer, every owner, and which ones would win o...
by Sandtrap
Wed Feb 22, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 6897

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

1.Withdrawal Phase (how long into retirement)? I will be in the withdrawal phase as far as RMD next year at age 70. 10 years into retirement . 2. Number of funds? Allocation? Or AA ("age in bonds", 50/50, etc, Other?) TIRA has 6 funds and a CD ladder. That account is approximately 30/70 v...
by Sandtrap
Wed Feb 22, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 41
Views: 2041

Re: Dishwasher suggestions. LG Quad Wash vs???

I believe Samsung and Miele are the only two that offer a feature that automatically cracks open the dishwasher after a cycle. We do that manually after the cycle and that causes us to only run it when we're home. I'd love to run it when I leave for work and have nice, dry dishes when I get home. I...
by Sandtrap
Wed Feb 22, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 107
Views: 7546

Re: For people who think the market is going to crash, where along the continuum are we?

Sandtrap, you provided a very interesting story. This is why you keep your eyes and ears open. Booms that seem like they will go one forever and buying panics that set in when people fear that prices will zoom beyond their ability to pay only plant the seeds of the next bust. +1 I was trying to con...
by Sandtrap
Wed Feb 22, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 41
Views: 2041

Re: Dishwasher suggestions. LG Quad Wash vs???

We have a Kitchenaid dishwasher with the adjustable top rack and although it has performed well, I thought I would offer some generalized advice. While the adjustable top rack is nice for washing taller items on the lower rack and then lowering it so we can wash long stemmed wine glasses and such i...
by Sandtrap
Wed Feb 22, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 41
Views: 2041

Re: Dishwasher suggestions. LG Quad Wash vs???

Our new house came with GE Profile Cafe series appliances, which I believe is their top of the line group. We absolutely hate the dishwasher. The top rack only slides out half way making loading of the back half difficult. Things don't get as clean. And it had to have 4 service calls (wasn't draini...
by Sandtrap
Wed Feb 22, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 107
Views: 7546

Re: For people who think the market is going to crash, where along the continuum are we?

according to these charts: https://www.advisorperspectives.com/dshort/updates/2017/02/01/the-q-ratio-and-market-valuation-january-update we are somewhere in the mid-90's. so plenty of room. and no reason to believe the overvaluation won't persist longer and harder this time. why? the fed is not goi...
by Sandtrap
Wed Feb 22, 2017 12:40 am
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 107
Views: 7546

Re: For people who think the market is going to crash, where along the continuum are we?

I'm a total "newbie" to financial investment things. But I can perhaps look at it from the viewpoint of someone in Real Estate development, retired. Right now there's the tail end of a real estate bubble of sorts. But not so much as a "pop" that's coming but more like everything ...
by Sandtrap
Tue Feb 21, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 41
Views: 2041

Dishwasher suggestions. LG Quad Wash vs???

Our home has never had a dishwasher (4 years since we bought it). We've used the area to put the rubbish can and such. I've always handwashed the dishes since forever so I know nothing about dishwashers. DW cooks. I clean. Our kitchen is all stainless, on the big side with an island, sort of high &q...
by Sandtrap
Tue Feb 21, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: PC replacement time
Replies: 30
Views: 2466

Re: PC replacement time

I think some respondents have missed the first part. The current PC is non-functional at this time. It's not a question of replacing it because I want something better. I would be satisfied to have this one with maybe a memory upgrade. However, unless it's repaired then upgrades aren't in the cards...
by Sandtrap
Tue Feb 21, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Stand Up Desk
Replies: 29
Views: 1495

Re: Stand Up Desk

Bad back, bad neck, knees, etc. Tried a stand up desk (feet hurt after awhile), "Balanz" chair (killed my knees), "ball chair with backrest" (neck ache), and a million other chairs. Back in the day my office also had a blueprint table with a crank height and a tall swivel stool w...
by Sandtrap
Tue Feb 21, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall, investing, insurance?
Replies: 41
Views: 3440

Re: Windfall, investing, insurance?

A little on the side for emergencies.
Pay off as much of your debt as possible with the rest, credit cards, loans, mortgage, etc.
Debt is a ball and chain around your leg. IMHO. AFAIK.
by Sandtrap
Tue Feb 21, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 6281

Re: Why own individual stocks?

I do not own individual stocks because I understand that Today's "Berkshire", "Apple", "Wallmart" has an equal chance of becoming Tommorow's "Woolworths", "Radio Shack", "PanAm", "Enron". We hope not! Especially since we own shar...
by Sandtrap
Tue Feb 21, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 6897

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

1. Withdrawal phase, 1.8 years in retirement. Ages 61/60. 2. Allocation is 60/40 (15% of equities are international) 3. Several bond funds (AGG, FSITX, PIMIX, BCOIX, VWIAX, VBILX, VBIRX, VFSTX, VCSH); ~30 individual stocks (b/c of a special tax situation); 2-yr CD ladder; a dash of REIT (VNQ); and ...
by Sandtrap
Tue Feb 21, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 6281

Re: Why own individual stocks?

I would definitely invest in shares of the "ArticPineappleCorporation Retirement Income Index Fund" (APCX). :shock:
by Sandtrap
Mon Feb 20, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6156

Re: Terrible negotiator - need help with words to use [Buying a car]

Side advice. Create a google voice number and email account just for this purpose. You will receive phone calls and junk mail like no other from car salesmen / women. +1 I dealt with several online car shopper sites, aarp, cosco, etc, etc, and also 15 dealerships. It took years for the phone calls ...
by Sandtrap
Mon Feb 20, 2017 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

. . . . . . . it is much wiser to never let lifestyle creep happen. I realize I am an outlier (not good or bad, just different). It doesn't really require impressive discipline. Mostly it is a matter of being frugal and not material/wealth/consumption oriented. Most of my free time is with science/...
by Sandtrap
Mon Feb 20, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: How are prices determined?
Replies: 18
Views: 784

Re: How are prices determined?

And, the "fund" generates lots and lots of excess cash if there are tons of folks buying high and selling low, and thus, the "fund" can grow exponentially (Billions) based on the original IPO of, for example, 1 Billion. If so, it seems similar to paper money not backed by equiv....
by Sandtrap
Mon Feb 20, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: How are prices determined?
Replies: 18
Views: 784

Re: How are prices determined?

And, the "fund" generates lots and lots of excess cash if there are tons of folks buying high and selling low, and thus, the "fund" can grow exponentially (Billions) based on the original IPO of, for example, 1 Billion. If so, it seems similar to paper money not backed by equiv....
by Sandtrap
Mon Feb 20, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 6874

Re: Need advice on girlfriend debt/finances

Most people who are viewing this thread probably remember situations that sound similar to things that happened to family members. Things involving taking for spouse someone who turned out to be exploitative. Even got what they wanted and then extracted a large divorce settlement. Yet the O.P.'s pr...
by Sandtrap
Mon Feb 20, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

My retirement strategy is to do as few mutual-fund transactions as possible and take a walk every afternoon. No rebalancing, no new funds. One fund per account. I hope I can stay the course because any other way ends badly for me. The one thing I did that most do not is buy charitable gift annuitie...
by Sandtrap
Mon Feb 20, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

Here's what I did, and why , and a couple of years later I answered some questions about it . I think for most investors an age-based approach to asset allocation is far more practical. I offer my plan and experience implementing it as an alternate way of thinking about AA, not as a prescription fo...
by Sandtrap
Mon Feb 20, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

Thank you everyone for your input. I am learning and appreciate the sharing. Hopefully future and present "Boglehead" readers will learn from the examples. Curious. An additional query. . . . . Would anyone here do anything, strategize differently, if you had 50x income?, 80x income? thank...
by Sandtrap
Mon Feb 20, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

I suspect all of those are somewhat common approaches for deploying capital, especially among those with large asset bases (multi-millionaires). . . . . . . . . . :D Thanks for the reply. Very true I guess. For some reason, millionaire businessman have crossed paths with me throughout my life and b...
by Sandtrap
Mon Feb 20, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

What is your strategy now that you have "made your number, made the 30x, "won the game" (per swedroe, bernstein, etc)? 1 Levels vs. Flows. Number 1 is think in terms of income (flow) rather than balance (level). Level is an amount, like $1,000,000. Flow is a rate, like $6,000 per mon...
by Sandtrap
Mon Feb 20, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

I suspect all of those are somewhat common approaches for deploying capital, especially among those with large asset bases (multi-millionaires). . . . . . . . . . :D Thanks for the reply. Very true I guess. For some reason, millionaire businessman have crossed paths with me throughout my life and b...
by Sandtrap
Mon Feb 20, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

I don't know if this is what you are asking for, but this is what I've done (and am doing): My total investment portfolio is roughly 50 times my annual expenses. My total investment portfolio is roughly a 50% stock/50% bond allocation. If my math is correct, that equates to having roughly 25 times ...
by Sandtrap
Mon Feb 20, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

Toons wrote:Strategy?
Enjoy each day to the fullest,
Keep Smilin.
My "needs" are met. :happy

Congratulations.
Good to hear.
I think I remember you had the "worry free" "top secret sauce" combination of Wellesley, LifeStrategy, and, I think, Balanced Index. :sharebeer
by Sandtrap
Mon Feb 20, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

We have overshot our "number". Also have heirs who might benefit from this fact. Following Bernstein, I have set us up to fund retirement like so: 1.) Now to age 70, all planned spending can be met via pensions, half of our equities' dividends, plus liquidating a ladder of CD's (first fiv...
by Sandtrap
Mon Feb 20, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Re: Once having achieved 30X -- share your strategy?

This is a few from close friends, many in their 70-80's, that have achieved their 30x, at times much much more. I usually had an entire 3 hour plus round of golf to ask if they can share their financial wisdom with me. And, I've been asking for at least the past 20 years. They are all different. Not...
by Sandtrap
Mon Feb 20, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: How are prices determined?
Replies: 18
Views: 784

Re: How are prices determined?

And, the "fund" generates lots and lots of excess cash if there are tons of folks buying high and selling low, and thus, the "fund" can grow exponentially (Billions) based on the original IPO of, for example, 1 Billion. If so, it seems similar to paper money not backed by equiv. ...
by Sandtrap
Mon Feb 20, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3987

Once having achieved 30X -- share your strategy?

I have read Swedroe, Bernstein, etc. and read many threads on . . . . . Having "Won The Game", "Made Your Number", achieved "30x". . and so forth. I am intrigued by Swedroe's "marginal utility of wealth" and the "utility curve" and how others have ap...
by Sandtrap
Mon Feb 20, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Costco: 6 quarts of Mobil 1 $27.99, normally $37.99
Replies: 47
Views: 4373

Re: Costco: 6 quarts of Mobil 1 $27.99, normally $37.99

Last year I picked up Mobil 1 (100% synthetic) 0-20W
per spec for my Toyota Tundra.

Also on sale at Cosco. (not always in stock)
Yes. Walmart has it too.
Any other sources at low price?
by Sandtrap
Mon Feb 20, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: economics of landlording
Replies: 46
Views: 4073

Re: economics of landlording

. . . . . . . . This is another area where many real estate investors and I part company. Leverage is a way to amplify your returns in real estate the same way borrowing on your home to invest in VTSAX would be a way to amplify your returns in stocks. It may be a mathematically good play but you'd ...
by Sandtrap
Sun Feb 19, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: When do you need an annuity?.
Replies: 25
Views: 2337

Re: When do you need an annuity?.

It seems there's no hard fast rule as to "when" or "if" to annuitize because everyone's situation and responses to those situations are so unique.
by Sandtrap
Sun Feb 19, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 6281

Re: Why own individual stocks?

I can't say that I don't get tempted and play the "what if" game in my head.
Boeing, General Dynamics, Lockheed Martin, Conocco Phillips. . . .
by Sandtrap
Sun Feb 19, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 6281

Re: Why own individual stocks?

Why own individual stocks? Why I don't own individual stocks: I have played golf with a lot of very wealthy acting folks who trade actively in individual stocks. One fellow retiree checked his cell phone several times during the round and at one point told us that he just made $1000's in the time it...

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