Search found 3263 matches

by Sandtrap
Fri Jan 19, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch Evaluation -- Help Needed.
Replies: 14
Views: 775

Vanguard Portfolio Watch Evaluation -- Help Needed.

Retired. 65. DW and I. Current allocation 35/65 All Vanguard Funds. Balanced Index Admiral (separate for hares) Wellesley Income Fund Admiral Total Stock Market Admiral Total International.. Admiral Total Bond Market Admiral Total Bond Tax Exempt Admiral I'm trying to understand the Vanguard Portfol...
by Sandtrap
Fri Jan 19, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Anyone have a whole house water filter?
Replies: 13
Views: 699

Re: Anyone have a whole house water filter?

Did you have the well company flush and cleaning and disinfect the well and system, also check to see if the pressure tank is not old and corroded inside?
j :D
by Sandtrap
Fri Jan 19, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 1686

Re: Learning Swimming @ 40+

I always thought I "knew" "how to swim". Many years ago I took a weekly lap swimming class for seniors. Learned how to swim correctly. They started out with something called "drown proofing" which gave me tons of confidence in the ocean that I did not have before. Suggest join a weekly class for sen...
by Sandtrap
Thu Jan 18, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: successful Boglehead business owner, could please you share?
Replies: 6
Views: 851

Re: successful Boglehead business owner, could please you share?

I am always curious how people started their business as I can't think of a business to start for the pass 10 years, and I would like to be a business owner one day. 1) what kind of business are you in, please be more specific if you could? 2) How did you get in this business and how long have you ...
by Sandtrap
Thu Jan 18, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: How to step in?
Replies: 10
Views: 962

Re: How to step in?

Welcome: :D Your Toolbox: (as you've given little info, this is the big big toolbox). Hang on to your money for a bit. Go through these links. Then go from there. The forum "wiki" is much bigger but these links are some of the highpoints. Some helpful links: Asking Portfolio Questions https://www.bo...
by Sandtrap
Thu Jan 18, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: All Weather Fund
Replies: 4
Views: 705

Re: All Weather Fund

Jack Bogle think highly of the Vanguard Balanced Index Fund.
Works for me.
j :D
by Sandtrap
Thu Jan 18, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: What are some good, older threads?
Replies: 20
Views: 1901

Re: What are some good, older threads?

Time to evaluate your jitters, by "nisiprius" https://www.bogleheads.org/forum/viewtopic.php?t=79939 How to get over finance envy. (post by Taylor is outstanding) https://www.bogleheads.org/forum/viewtopic.php?p=1744593#p1744593 Anything by Taylor Larimore. . wisdom things. For taking a break, light...
by Sandtrap
Thu Jan 18, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 46
Views: 2456

Re: Real Estate Versus Stocks

I am a staunch index fund investor, to be clear. Being relatively risk-averse, if I was to branch out into a single rental property in the future, it would be an all-cash purchase and taking into account that it could be a total wash. I would not encourage anyone to consider diversifying into real ...
by Sandtrap
Thu Jan 18, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Gotta sell a boat - Looking for some advice
Replies: 16
Views: 1246

Re: Gotta sell a boat - Looking for some advice

There's a saying goes like this, "There were 2 best days when it came to my boat, the day I bought it and the day I sold it." That said, the price is what someone is willing to pay for it, especially boats. Prices can be generalized by looking at what similar or same items are for sale on Craig's li...
by Sandtrap
Thu Jan 18, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Unable to recover or create new Morningstar Discuss account. Help.
Replies: 6
Views: 444

Re: Unable to recover or create new Morningstar Discuss account. Help.

I don’t have a Morningstar account, but looking at the site it appears to use your email address as your user name. Have you put in your full email address you used to create your account? You also might try the get human phone number for help. https://gethuman.com/phone-number/Morningstar Thanks. ...
by Sandtrap
Thu Jan 18, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Lets talk about some favorite index funds?
Replies: 32
Views: 1587

Re: Lets talk about some favorite index funds?

"Favorite Index Funds" are the one's that fit these parameters tailored to one's unique financial needs and IPS statement. Three Fund Portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio Funding Priority (what do I do first?) https://www.bogleheads.org/wiki/Prioritizing_investments Tax Ef...
by Sandtrap
Thu Jan 18, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: 10 years expenses in FI
Replies: 49
Views: 4698

Re: 10 years expenses in FI

Keiser2015 wrote:
Thu Jan 18, 2018 3:29 pm
To dig deeper into the weeds:

https://www.kitces.com/blog/are-retirem ... on-mirage/
Excellent write up, as always, by "Kitces".
Thanks,
j :D
by Sandtrap
Thu Jan 18, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing bands tighter than 5 / 25?
Replies: 17
Views: 1109

Re: Rebalancing bands tighter than 5 / 25?

I try to rebalance as needed within my IPS whenever I add new funds. If I'm not adding, then I leave it alone. 5-8% or so deviation is not a concern for me.
j :D
by Sandtrap
Thu Jan 18, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: 10 years expenses in FI
Replies: 49
Views: 4698

Re: 10 years expenses in FI

This was the approach I advocate a lot. But wouldn't do bonds, but just cash on the annual living expenses AFTER pension, SS, annuity, etc... Then the rest in equities. It IS mental accounting, but I think it makes a whole bunch more sense then coming up with one's asset allocation just randomly go...
by Sandtrap
Thu Jan 18, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Lets talk about some favorite index funds?
Replies: 32
Views: 1587

Re: Lets talk about some favorite index funds?

"Favorite Index Funds" are the one's that fit these parameters tailored to one's unique financial needs and IPS statement. Three Fund Portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio Funding Priority (what do I do first?) https://www.bogleheads.org/wiki/Prioritizing_investments Tax Ef...
by Sandtrap
Thu Jan 18, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

. . . We desire to have a lifestyle where we can have a homestead, grow our own food, harvest water, have animals, etc... You can do this everywhere so long as you're not in most HOAs, but states really can make it more difficult than it should be with the amount of restrictions by state and local ...
by Sandtrap
Thu Jan 18, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lets talk about some favorite index funds?
Replies: 32
Views: 1587

Re: Lets talk about some favorite index funds?

"Favorite Index Funds" are the one's that fit these parameters tailored to one's unique financial needs and IPS statement. Three Fund Portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio Funding Priority (what do I do first?) https://www.bogleheads.org/wiki/Prioritizing_investments Tax Eff...
by Sandtrap
Thu Jan 18, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7136

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Why would any Boglehead pay so much money just to be told to fire his/her financial advisor? As a capitalist, I think the money can be better utilized by investing in index funds. Pick up the phone, call Vanguard VPAS, follow the path. . . . . done. Or. . . read the Bogle Wiki library, follow the p...
by Sandtrap
Thu Jan 18, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: 10 years expenses in FI
Replies: 49
Views: 4698

Re: 10 years expenses in FI

Not sure if I understand you, Sandtrap. "Age in Bonds" sounds way too conservative if you're entering retirement with a sizable portfolio. Consider this hypothetical (not mine ... at least not yet!): Let's say you're a couple in their early 70s with a $4m portfolio, no debt and all expenses cover b...
by Sandtrap
Thu Jan 18, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7136

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Why would any Boglehead pay so much money just to be told to fire his/her financial advisor? As a capitalist, I think the money can be better utilized by investing in index funds. Pick up the phone, call Vanguard VPAS, follow the path. . . . . done. Or. . . read the Bogle Wiki library, follow the p...
by Sandtrap
Thu Jan 18, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Help with Planning and portfolio
Replies: 6
Views: 357

Re: Help with Planning and portfolio

Welcome :D Suggestions can be better targeted to you with more information. Check this and edit your original post: Asking Portfolio Questions https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 A Toolbox for You. Bogle Philosophy https://www.bogleheads.org/wiki/Bogleheads®_investment_philosop...
by Sandtrap
Thu Jan 18, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3407

Re: How do you adjust side mirrors in a car?

I adjust them to see my blind spots only. So the car goes into the rear view mirror, then into the side mirrors then into my peripheral vision. I never have to turn my head to change lanes. I notice nobody does this. They all seem to point their side mirrors to show what's already in the rear view ...
by Sandtrap
Thu Jan 18, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

Okay.
Now you simply have to move.
Image
j :D
by Sandtrap
Thu Jan 18, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

. . . We desire to have a lifestyle where we can have a homestead, grow our own food, harvest water, have animals, etc... You can do this everywhere so long as you're not in most HOAs, but states really can make it more difficult than it should be with the amount of restrictions by state and local ...
by Sandtrap
Thu Jan 18, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: 10 years expenses in FI
Replies: 49
Views: 4698

Re: 10 years expenses in FI

In a previous post that I cannot now find :oops: , the poster said he didn't have a true asset allocation. Rather, he kept ten years of living expenses in bonds, and the remainder of the portfolio in equity. I think he said this worked out to 80/20 for him. Would you change your allocation as your ...
by Sandtrap
Thu Jan 18, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 132
Views: 6255

Re: Short Commute or Nicer House?

"Burbs".
For the kids.
"Burb Memories"
j :D
by Sandtrap
Thu Jan 18, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 46
Views: 2456

Re: Real Estate Versus Stocks

Real Estate is a business, and must be run as a business to be successful. It is not a "passive" investment or investment by "proxy". Stocks, etc, are not. Anyone can buy shares in Vanguard Total Stock and get into the "market". Not so with "physical real estate". Not even an "apples" to "oranges" c...
by Sandtrap
Wed Jan 17, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5090

Re: To the doctors on the forum

On my last several MRI's, we got the prescription from the Doc, then shopped MRI places. Found one with an outstanding reputation and was the cheapest in town. Yes. I have insurance. But we called around and shopped prices, nonetheless.
j :D
by Sandtrap
Wed Jan 17, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: Amazing how much your IPS can de-stress your life
Replies: 29
Views: 3870

Re: Amazing how much your IPS can de-stress your life

The other thing I like about the IPS is its a good way of agreeing with your spouse that you share the same plan and goals. OP: Agree with everything you said - the only thing I do differently is I do re-balance more than once a year (Since I'm always adding more money I look at allocation amounts ...
by Sandtrap
Wed Jan 17, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: How can I become a better consumer?
Replies: 18
Views: 1555

Re: How can I become a better consumer?

Not sure if this is common. . . .
Both DW and I, the deeper we are in retirement the more we save. . .the more we save the more we have. . . but, the less we need to bring happiness. . and the simpler life becomes. . . (rinse repeat).
j :D
by Sandtrap
Wed Jan 17, 2018 9:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8284

Re: Post your Financial Milestone Announcements Here

Congratulations to everyone :sharebeer I first posted here a year and a half ago and was so worried at that time due to an unexpected job loss. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=192652 I decided to retire at that time and continue to be frugal. I paid off my car loan and have bee...
by Sandtrap
Wed Jan 17, 2018 9:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8284

Re: Post your Financial Milestone Announcements Here

All, Okay here goes. I completed the Rollover of my 401k today and fully rebalanced into my target asset allocation! This is a major retirement milestone for me as I shift from planning a retirement to living one. Topped it off with my first Roth Conversion for 2018 (next one in Dec once I have mor...
by Sandtrap
Wed Jan 17, 2018 9:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8284

Re: Post your Financial Milestone Announcements Here

New member of the 2 comma club in retirement savings here, as of today's close. I never thought this would happen due to taking withdrawals while delaying SS. We begin SS in July of this year, which will lower withdrawals to around 3% until RMD's. SS benefits will increase by about 30k in 4.5 years...
by Sandtrap
Wed Jan 17, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

Or more for your money in Keaau, although with a bit more rain. https://www.zillow.com/homes/for_sale/92456715_zpid/19.600658,-154.924918,19.586649,-154.940132_rect/15_zm/1_fr/ Keaau is VOG city. Nearly warm volcano land. Thin topsoil. Some areas can't get property insurance if it's in a volcano zo...
by Sandtrap
Wed Jan 17, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

Less VOG on the Kamuela and Honokaa side🌺🌺🌺
by Sandtrap
Wed Jan 17, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

Tear downs on my community on Oahu are going for about you want to spend on your land plus dwelling and you have pay for demolition, haul away and construction. +1 Vacant land is limited and usually "marginal". "Tear downs" are not inexpensive and add the building new costs and "huge hurdle for cos...
by Sandtrap
Tue Jan 16, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Book Suggestions
Replies: 14
Views: 952

Re: Book Suggestions

"How to Think About Money" by Jonathan Clements https://www.amazon.com/gp/product/1523770813/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 "The Simple Path To Wealth" by J. L. Collins https://www.amazon.com/gp/product/1533667926/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 "Your Money Or Your Life" by Vi...
by Sandtrap
Tue Jan 16, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4391

Re: Anyone pondering moving to a cheaper place and downsizing?

6 years ago. Left our main residence in UHCOL Hawaii and moved to a mini ranch in LCOL Prescott AZ. (northern AZ), about 2 hours north of hot Phoenix. Prescott, A small retirement town of 50,000 residents nestled a mile high in the Bradshaw Mountains, surrounded by 4 National forests. Where all the ...
by Sandtrap
Tue Jan 16, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

Why it is worth any price for folks to live in Hawaii. OP: You're pretty solid, you can "make" it happen. """""Surf's UP !!! :D Took this shot up the road from my sometime place in Kailua. Dawn. 2 young surfers were just emerging from the water. Have it in my Getty/Adobe portfolio. Enjoy. :D https:/...
by Sandtrap
Tue Jan 16, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

Would you think someone was crazy if they had a $4M portfolio, decide to buy $800k house, purchase an annuity (with COLA, no less) with a significant chunk of the rest (to be conservative) that covers most of their expenses, and then withdrew 3% from the remainder of the portfolio to cover the rema...
by Sandtrap
Tue Jan 16, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

Sonny and Cher: Scrimp for 2-3 years to afford a vacation in Europe . Captain and Tennille: Scrimp for 2-3 years to afford a vacation to Asia and Europe . maybe i don't understand this because i've only lived here for a little under a year, but why would you save up for a vacation when you live in ...
by Sandtrap
Tue Jan 16, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

Average single house construction cost in Honolulu is $760 per square foot, so for $500,000 you are looking at a 640 square foot house. Doing it yourself will be somewhat less, but permits and materials will, as you know, be quite dear. Also, building to earthquake & hurricane code can be a bit tri...
by Sandtrap
Tue Jan 16, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12331

Re: Can We Retire in Hawaii? Please Critique

Here's some context: :D I was born in Hawaii and grew up and worked there (forever). Retired several years ago. Moved from the state with the highest cost of living UHCOL, Hawaii, to a state in the bottom 5 cost of living ULCOL in the USA, Northern Arizona. My options were, retire to the Big Island,...
by Sandtrap
Tue Jan 16, 2018 11:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8284

Re: Post your Financial Milestone Announcements Here

O.K. This new thread made me want to check. Due to market highs I am now at 710K. My house is in the New York area (Staten Island) and every day in the S.I. Advance they keep reporting on the affordability crisis due to how high the housing market is. My house I bought brand new in 1993 for $134K i...
by Sandtrap
Tue Jan 16, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: 24 year old with a little over a million looking for a stable income.
Replies: 15
Views: 2588

Re: 24 year old with a little over a million looking for a stable income.

An actionable alternative path to consider. 1 Set up a short term and longer term Emergency Fund with High Yield accounts and a CD ladder. 2 Set funds aside for a University education in a high paying profession of your choice. Finish graduate school. 3 Concurrently invest remaining funds for the lo...
by Sandtrap
Tue Jan 16, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?
Replies: 22
Views: 1493

Re: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?

How low is the potential downside for vwiux? In % from current NAV If the rule of thumb is correct, VWIUX with a duration of 5 years, and interest rate increase of 1-2% would put the downside at 5-10%. Your yield would go up by 1-2%, so you'd make it up in about 5 years, if all else stays the same ...
by Sandtrap
Tue Jan 16, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: “Future US Equity Returns: A Best-Case Upper Limit”
Replies: 20
Views: 1674

Re: “Future US Equity Returns: A Best-Case Upper Limit”

Excellent article. Thanks for posting. The possible danger is applying what pension funds can do, (increase equities), to the individual investor who's timeline is different. Perhaps overlooking fixed to mitigate risk and paying more attention to the low yield environment and taking on more risk. Th...
by Sandtrap
Tue Jan 16, 2018 1:19 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8284

Re: Post your Financial Milestone Announcements Here

I just passed the 20-years-in-retirement mark in Dec. and am still able to enjoy the good life (no dog food on the menu in the foreseeable future). Busier now than when I ran my business. And the business I founded just celebrated its 50th birthday while also celebrating the 20-year mark under the ...
by Sandtrap
Mon Jan 15, 2018 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old with a little over a million looking for a stable income.
Replies: 15
Views: 2588

Re: 24 year old with a little over a million looking for a stable income.

Given the information you provided and not knowing your employment options and life situation and goals. . . Consider the following amongst many options. Depending on your financial situation.. . especially if you are considering taking a break from employment for awhile: Set aside 6 mos to 1 years ...