Search found 1162 matches

by Sandtrap
Sun Apr 09, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: When to slow down.
Replies: 33
Views: 5139

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: 1830

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: 3113

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: 1298

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: 1051

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: 1795

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: 1483

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: 7059

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: 532

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: 4132

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: 4132

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: 364

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: 1795

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: 2213

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: 797

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: 5490

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: 4103

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: 3527

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: 1083

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: 2286

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: 3187

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: 981

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: 608

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: 1616

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: 5568

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: 1789

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: 2286

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: 2286

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: 2722

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: 627

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: 3013

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, ...
by Sandtrap
Tue Apr 04, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to manage lump sum from real estate sale
Replies: 9
Views: 1042

Re: How to manage lump sum from real estate sale

i have been in your near exact position. Sold my R/E holdings (apartment buildings and high rises) invested in and self managed over many many decades, as a sole proprietor. Also used a portion to move from HCOL to LCOL and buy a home and reinvest some of the proceeds into more income property. The ...
by Sandtrap
Tue Apr 04, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5609

Re: Early retirees - how did you inform your loved ones and friends?

I am curious about this. Those who are blessed to retire early, how did you inform your family and friends? What was the conversation like? Did you throw a party for the people that were close to you? I can see people's reaction of admiration, happiness, jealousy, contempt etc. Did that factor into...
by Sandtrap
Tue Apr 04, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement vs Total Stock Market
Replies: 13
Views: 1935

Re: Vanguard Target Retirement vs Total Stock Market

Per OP's question (within choices given) : Vanguard Target Retirement. . . . or Vanguard Balanced Index Fund. :happy
by Sandtrap
Tue Apr 04, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5320

Re: Help with college chioces

IMHO, AFAIK, it matters not what university on a job application. What matters is performance at that university, though not even by that much. A full tuition scholarship would free up funds or even perhaps have a greater chance for additional scholarship for grad work. Others may differ as far as s...
by Sandtrap
Tue Apr 04, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 32
Views: 2513

Re: Where to buy new iPhone

I bought mine straight from Apple. Did not want to worry about counterfeits or DOA or other issues.
Iphone7 plus.
Pricey but wonderful.
My lst Iphone. :D
by Sandtrap
Tue Apr 04, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Stabilization, Not Stagnation - Vanguard Infographic
Replies: 2
Views: 336

Re: Stabilization, Not Stagnation - Vanguard Infographic

Thanks for the article:

Looks like a LMP (Liability Matching Portfolio) per Bernstein/Swedroe will have a good chance of surviving well. :happy
by Sandtrap
Tue Apr 04, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; "Should I stay or should I go now?"
Replies: 53
Views: 7542

Re: Military Retirement; "Should I stay or should I go now?"

Well said. Very true. For my FIL, age 95, WWII had a little tough pace of operations, then Korea. Later, 60's. My number. Vietnam was also a little difficult. Thanks for serving. Ha! There are older retirees and then there are OLDER retirees! If I knew I was going to live until 95, I'd probably loo...
by Sandtrap
Tue Apr 04, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; "Should I stay or should I go now?"
Replies: 53
Views: 7542

Re: Military Retirement; "Should I stay or should I go now?"

Asked my FIL. Retired Air Force. Started as a private, retired rank of Major. He said "stay". Best deal on the planet. Benefits, medical, etc. Keep the momentum going. "Stay the Course". He went in very early, put in 30 years, then worked for fed at the VA admin, so maxed dual r...
by Sandtrap
Tue Apr 04, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5609

Re: Early retirees - how did you inform your loved ones and friends?

Index Fan wrote:In my experience, the less personal information you volunteer to everyone, the better. Sadly.

All sorts of assumptions will be made about you, often fitting what people want to think about you, or what advantage they can take of you.

+1
by Sandtrap
Tue Apr 04, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23468

Re: Low-earners- What is your profession?

I'm a surgeon in private practice for 30 years. Used to be a "high earner". Last 2 years I couldn't even take a paycheck to keep my practice afloat. Obamacare is ruining us. Most young doctors want to go and work for a hospital or network for a fat salary right out of training, and I can'...
by Sandtrap
Tue Apr 04, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5609

Re: Early retirees - how did you inform your loved ones and friends?

the biggest scare of all for humans--change. worse than snakes? I doubt it. I'm more terrified of retirement than snakes, or risking everything to buy a high rise building. Retirement is a very strange world for a workaholic self-employed businessman. Somehow, my pensioner friends have had a very e...
by Sandtrap
Tue Apr 04, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 90
Views: 14028

Re: Comfortable Vehicle Front Seats

My wife and I have knee and leg pain, and I have a bad spine. I drive a 2017 Chevy Malibu, my wife a 2013 Toyota Camry, with both having 3-way adjustable power seats, seats are cloth. We like our seats, very comfortable, adjust them until seating is most comfortable. Ditto on bad spine. I can't ben...
by Sandtrap
Tue Apr 04, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Old [person] playing catch up in retirement
Replies: 10
Views: 1789

Re: Old [person] playing catch up in retirement

Also retired. . . . from decades of self employment. Also, late starter. Also "old person" plus a few decades. Also late bloomer. IMHO, at age 44, make sure you have enough in your "buckets": emergency fund (1 years income since self employed), then longer term able to set aside...
by Sandtrap
Tue Apr 04, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5609

Re: Early retirees - how did you inform your loved ones and friends?

Most people don't care really. + Agreed. Conversation Usually goes like this: Me: "By the way. . . .. . .. I'm retiring. . . . . " Loved one or Friend (LOF) "Finally. or. . (about time. . or . . why?) . . . .you up?" Me: "You're away. .. . . hurry up. . . we're falling behi...
by Sandtrap
Tue Apr 04, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; "Should I stay or should I go now?"
Replies: 53
Views: 7542

Re: Military Retirement; "Should I stay or should I go now?"

Asked my FIL. Retired Air Force. Started as a private, retired rank of Major. He said "stay". Best deal on the planet. Benefits, medical, etc. Keep the momentum going. "Stay the Course". He went in very early, put in 30 years, then worked for fed at the VA admin, so maxed dual re...
by Sandtrap
Mon Apr 03, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Old [person] playing catch up in retirement
Replies: 10
Views: 1789

Re: Old [person] playing catch up in retirement

I've been a late starter in pretty much everything. I try not to refer to myself as a late bloomer as I think its just an excuse for being dumb in my younger years :) I'm already 44 and just started contributing to my retirement fund so I need to catch up big time. I'm self employed and recently op...

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