Search found 6417 matches

by Sandtrap
Thu Apr 25, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Considering purchasing a new point-and-shoot camera
Replies: 25
Views: 1480

Re: Considering purchasing a new point-and-shoot camera

Either one of these should fit your needs for a very long time. As for printing out larger high resolution photos. The larger the sensor the better. The Sony has a 1" sensor. Megapixels are secondary. The 1" sensor is made by the same folks. Try for at least that. https://i.imgur.com/g0Ih6TK.jpg Thi...
by Sandtrap
Thu Apr 25, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Lifestyle creep
Replies: 73
Views: 7494

Re: Lifestyle creep

Lifestyle creep is evil. Fight it with every weapon in your arsenal. Don't give in. Lifestyle creep has always been my goal. :beer It is all about balance. Yes. All things in moderation. . . . including moderation. :happy Actionably: if one budgets for these things as part of a portfolio, then all ...
by Sandtrap
Wed Apr 24, 2019 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 82
Views: 8092

Re: What, if anything, do I owe this guy?

....To continue with my Seinfeld moment: It's not you; it's me! On the contrary, it is him. (Reflecting on the time George went berserk when a girl tried using that line on him.) I really SHOULD have said "It's not me; it's you!" But now this thread has really turned into the Thread About Nothing! ...
by Sandtrap
Wed Apr 24, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: Experience with silicone roof coatings?
Replies: 5
Views: 874

Re: Experience with silicone roof coatings?

Consider: 1. Redo the flashing around all roof penetrations. If possible, can you raise up and then taper it out? 2. Redo the way that water drains off the roof so that is drains faster and does not have a chance to pond or pool. 3. Then, after you address these issues, consider elastomeric or silic...
by Sandtrap
Wed Apr 24, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 82
Views: 8092

Re: What, if anything, do I owe this guy?

Drive away. Let the guy and all that matter fade in the rear view mirror. Turn on the radio. Keep driving. turn your mind to the future and all its greatness. . . . . . . You owe him nothing, nada, zero (not an email, not thank you, not a lunch, not a goodbye) . :shock: If he emails you. Answer: no ...
by Sandtrap
Wed Apr 24, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: window replacement: return on investment
Replies: 23
Views: 2110

Re: window replacement: return on investment

If you recoup your window investment on resale, it likely will not be as a direct result of the window upgrade but simply property appreciation and any other upgrades you may have done over time to increase its curb value. In these particular instances, the greatest return on your investment is the ...
by Sandtrap
Wed Apr 24, 2019 9:12 pm
Forum: US Chapters
Topic: Arizona Chapter
Replies: 94
Views: 11283

Re: Arizona Chapter

Hello Arizona Bogleheads, We are planning on meeting again on Saturday, April 27th 2019 from 1:00pm - 3:00 pm at the Burton Bar Library located at: Burton Barr Central Library 1221 N Central Ave Phoenix, AZ 85004 6022624636 We will be meeting in the Lecture Room- 4th Floor. Please respond if you ar...
by Sandtrap
Wed Apr 24, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Lifestyle creep
Replies: 73
Views: 7494

Re: Lifestyle creep

Lifestyle creep? Recent Hawaii trip: $8k upcoming: New shop building: $50-80k New detached garage: 120k+ Restucco and paint home: 30k+ New Courtyard walls and pavers and landscaping: 80k+ etc etc I think of these more as high end "honey do's" Some things just have to be done. Not sure if they are "l...
by Sandtrap
Wed Apr 24, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Possible Divorce: Pension & Job Options
Replies: 47
Views: 4846

Re: Possible Divorce: Pension & Job Options

1. stay married 2. alimony and child support will be based on your current income. So, IMHO (no legal) collect your pension and establish what you would do in retirement (work part time or none) now. This way there is continuity and less need for adjustment later. 3. speak to an attorney on your own...
by Sandtrap
Wed Apr 24, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4134

Re: How to clean a garage?

Yard Sale
Moving Sale
It's amazing what folks will pay for, sometimes what you would have thrown away.
:D

OTOH, I just finished building a 400 sf shop and have building plans for a 1600 sf detached garage. So there's always that alternative. :D :D :D :D :D
by Sandtrap
Wed Apr 24, 2019 8:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 902
Views: 86898

Re: "S&P 500 Index closes at record high"

The "record high" is indeed . . . . interesting. but what about next year's "record low". . . . or was it the following year. . . . . Trying hard to ignore the noise and the music. . . . . What I find great about "staying the course" is that I always have a reason to be happy with the market. When ...
by Sandtrap
Wed Apr 24, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Examples of financial accounting rules not applicable to personal finance?
Replies: 60
Views: 2620

Re: Examples of financial accounting rules not applicable to personal finance?

I am a CPA, which means I have taken all of the financial accounting classes. I am also a certified financial planner, which means I have taken all of the personal financial planning classes. It would be quicker and easier to tell you what financial accounting rules ARE applicable to personal finan...
by Sandtrap
Tue Apr 23, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 902
Views: 86898

Re: "S&P 500 Index closes at record high"

junior wrote:
Tue Apr 23, 2019 8:45 pm
Unless you sold your stocks today I'm not sure how the S&P Index closing at a record high is anything to cheer about :| It's really in many ways just pretend money until you sell.
Good point.
by Sandtrap
Tue Apr 23, 2019 9:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 902
Views: 86898

Re: "S&P 500 Index closes at record high"

The "record high" is indeed . . . . interesting.

but what about next year's "record low". . . . or was it the following year. . . . .

Trying hard to ignore the noise and the music. . . . .
by Sandtrap
Tue Apr 23, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3517

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

Last year: MIL, brand new car, dealer left oil fill cap off after service. What a mess! Long Ago: Truck differential oil change. Sears. Oil plug not tightened. Drained over next 3 months. Differential ruined. Cosco tire and battery changes: perfect. Long time DIY. Everything. Tractor, UTV's, Cars, T...
by Sandtrap
Tue Apr 23, 2019 5:07 pm
Forum: Personal Investments
Topic: What are the ways a solo business owner can put money into retirement?
Replies: 14
Views: 886

Re: What are the ways a solo business owner can put money into retirement?

masonstone wrote:
Tue Apr 23, 2019 11:29 am
I know about 401Ks, IRAS, and HSA accounts. But what other ways can a business owner put money in retirement and defer taxes. I've heard of deferred compensation plans. Anyone know any other tax saving techniques?
R/E income property.
Multi unit housing and rentals.
etc.
by Sandtrap
Tue Apr 23, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 3029

Re: Neighbors sump pump pipe on my property

neglogic wrote:
Tue Apr 23, 2019 9:07 am
New wrinkle: It turns out my neighbor placed his sump pump output on the adjacent property under construction, so it will definitely need to move.
It seems it would be much simpler and zero future repercussions to avoid the issue altogether.
You have everything to lose, nothing to gain.
by Sandtrap
Tue Apr 23, 2019 9:16 am
Forum: Personal Investments
Topic: Annuity
Replies: 4
Views: 545

Re: Annuity

The caution here is "behavioral bias".
What has been working (though marginally) has been working, is fine, good enough. Therefore, why change?
As previously suggested, It may be worth having a discussion with Vanguard's annuity dept. re: SPIA's.
The 1035 is a great suggestion as well.
j
by Sandtrap
Tue Apr 23, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4069

Re: Tips for getting the most out of your cruise?

Cancel is my best tip - even the high end cruises pale in comparison a non-cruised based itinerary. Another troll, apparently. This is inapposite. Cruises are inherently a different experience from other forms of vacation, and they vary as widely in cost and character as do other types of recreatio...
by Sandtrap
Tue Apr 23, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3313

Re: travel budget in retirement

...They are all "one time" expenses, not reoccurring... I'm not sure about this part. I've been traveling to some degree pretty much forever. I was limited to 3-4 weeks a year in the bad old days and now have as much time as I want, limited only by money and certain other factors. While I could cer...
by Sandtrap
Mon Apr 22, 2019 10:48 pm
Forum: Personal Consumer Issues
Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
Replies: 44
Views: 5137

Re: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?

Here is a picture of the area I am talking about. The area to the right. https://i.imgur.com/5FjCheh.jpg Is this a historic first for boglehead advice? kidding. DW does a great job. Says use long thick gloves and a pumice stone. Is the fastest. Cleanest. No chemicals needed. I had a bunch of apartm...
by Sandtrap
Mon Apr 22, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to Get Customers for New, Small Catering Business
Replies: 10
Views: 600

Re: How to Get Customers for New, Small Catering Business

Good luck to your friend. I did some catering and chocolatiering about 10 years and never again. It started by word of mouth with people asking me to cater events after they had tried my food and chocolates. What I discovered is that most people generally don't want to pay what it's worth. Catering...
by Sandtrap
Mon Apr 22, 2019 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3313

Re: travel budget in retirement

My entire portfolio is available to budget for travel and anything else on my and DW bucket list.
They are all "one time" expenses, not reoccurring.
Times running out :shock:
by Sandtrap
Mon Apr 22, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 3029

Re: Neighbors sump pump pipe on my property

Looking for advice on this situation. Neighbor installed a new sump pump outlet on his property, the water should be going into a new storm drain installed on an adjacent property. Unfortunately, the adjacent site is under construction and silt fences are blocking this flow of water and pushing it ...
by Sandtrap
Mon Apr 22, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to Get Customers for New, Small Catering Business
Replies: 10
Views: 600

Re: How to Get Customers for New, Small Catering Business

1. Do not mix friends, family, and business. it will indeed be done at cost or at a loss. 2. Networking through businesses, professionals, etc, is the strongest and has the highest repeat business and "internal promotion" (referrals). 3. A successful business is generally not built on "do not want t...
by Sandtrap
Mon Apr 22, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Can one own a Porsche 911 that is not a money pit?
Replies: 49
Views: 5056

Re: Can one own a Porsche 911 that is not a money pit?

I have no idea where I can get the answer to this question so I hope some bogleheads could chime in. I would like to know if it is possible to purchase a Pre-owned Porsche 911 (not as a daily driver) and sell it a few years later without losing your butt. I have always dreamed of owning one and wou...
by Sandtrap
Mon Apr 22, 2019 8:39 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 9288

Re: Thinking about selling stocks near all time highs

I don't get it. The S&P 500 is up about 13 or 14% so far this year. It was down over 4% for all of 2018. None of this sounds extraordinary to me. I checked my AA about a week ago and it was within 5% of my targets so I'm not even going to bother rebalancing even though I was scheduled to do it in t...
by Sandtrap
Sun Apr 21, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor
Replies: 49
Views: 4440

Re: Buying a house without a realtor

I have bought and sold properties without a realtor. Sometimes having the Title Company handle everything for reduced fees. But also have used realtors. Depends on the situation.
by Sandtrap
Sun Apr 21, 2019 11:49 am
Forum: Personal Investments
Topic: Investing for siblings
Replies: 21
Views: 2130

Re: Investing for siblings

My mother wants to give me money to put aside for my siblings ...I'd like to put it somewhere to grow...any recommendations on where I can put it and be somewhat liquid ? How much? Age of mother? Age of siblings? Time frame? In trust or under who's name for each account? One lump sum one time, or f...
by Sandtrap
Sun Apr 21, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4069

Re: Tips for getting the most out of your cruise?

Cancel is my best tip - even the high end cruises pale in comparison a non-cruised based itinerary. Another troll, apparently. This is inapposite. Cruises are inherently a different experience from other forms of vacation, and they vary as widely in cost and character as do other types of recreatio...
by Sandtrap
Sun Apr 21, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4069

Re: Tips for getting the most out of your cruise?

Managing expectations is key. Cruise lines cater to specific types of customers, and you'll benefit from aligning your preferences to what a given line and ship offer. Large mass-market ships attract a different clientele than do the so-called 6-star small ship lines, and the entertainment, dining,...
by Sandtrap
Sun Apr 21, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2115

Re: What are your 5 favorite tools (hand, power, other)

worm drive skill saw
sawzall
cordless impact driver
cordless half inch impact drill/drill
stick and mig welders
nail gun

ya can build anything with this stuff; homes, remods, steel buildings,
:D
by Sandtrap
Sun Apr 21, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9364

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

.. when did you retire.... (Your financial situations may also help, if you don't mind). Retired in 2015 when I was 58, pretty middle class compared to a lot of posters here so the travel budget is a factor. I started traveling more when I was in my early 50's I usually pick where to go based on wh...
by Sandtrap
Sun Apr 21, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9364

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

I'm really into genealogy and most of our travel has been to places where ancestors once lived or came from. It really doesn't matter where they came from but if you want to know why your famliy moved or what is was like 100 years ago, it really helps if you go there and meet the relatives who stay...
by Sandtrap
Sun Apr 21, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9364

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Semi-retired. We were in St. Petersburg (Russia, not Florida) for two days as a cruise port. Fascinating place, if you are interested in history. Also recommend Rome, Italy and London, England for the same reason. I guess that you do not need a visa to visit St. Petersburg. What cruise did you do? ...
by Sandtrap
Sat Apr 20, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9364

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

We retired 12 years ago. Since then, we've visited England, France, Germany, Austria, Spain, Hungary. Some were “ land” trips where we stayed in one city for a week or two, - London, Paris, Avignon -and others were via river cruises. Also travel the US and Canada by plane, then rent a car and drive...
by Sandtrap
Sat Apr 20, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 3249

Re: At what point would you hire someone vs. cut down a tree yourself?

If you already have a Stihl and/or a Husqvarna with a 30 inch bar or larger then you have the skills to do it safetly and have fun. If not, hire. :D
Ive done both for trees up to 60-100 feet. OTOH if you can afford to hire do so and save your back :shock:
by Sandtrap
Sat Apr 20, 2019 9:58 am
Forum: Personal Investments
Topic: Inheritance With Zero Income, Zero Expenses
Replies: 35
Views: 4207

Re: Inheritance With Zero Income, Zero Expenses

What are your plans for when you other parent passes away? Move? Sell home (would you get the proceeds, all, half, etc)? As you say "injury", do you have "disability" benefits, etc? When your other parent passes away, are you then at zero income and zero support? Are you able to work or is some kind...
by Sandtrap
Sat Apr 20, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1694

Re: What's the lowdown on HVAC filters?

Denser filters can restrict airflow to the point where the furnace can overheat (sensor will auto shutoff). Not as critical for cooling. Suggest watching the filter when the HVAC system turns on (return air vent with grill open) and if it "sucks in/bends" significantly, then there is too much restri...
by Sandtrap
Sat Apr 20, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2729

Re: Apple MacBook Air - what to do next.

rich126 wrote:
Sat Apr 20, 2019 9:05 am
As someone else mentioned, how do you use it? Do you keep it plugged in all the time? Do you charge it and then just unplug it until it needs recharging?

Do you travel with it?

https://support.apple.com/en-us/HT204054
Great link.
Thanks.
j
by Sandtrap
Sat Apr 20, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2729

Re: Apple MacBook Air - what to do next.

I have 3 MacBooks, 2 Pros and 1 Air. The batteries should last longer IMHO. I also use them heavily. Surprised that your battery life has diminished so quickly. Suggestions and thoughts: 1. Definitely. Let Apple take care of it. Send it in or take it in. They will make sure the batteries are done ri...
by Sandtrap
Fri Apr 19, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9364

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

I am at Narita airport heading back to the states after ten weeks busing from Mumbai to Chennai, Hong Kong via Shenzhen, Beijing, Shanghai, and a few smaller cities, took ferry to Osaka and then Kyoto, Nara, and Tokyo. Travel solo, with an Osprey 4400 pack, travel inexpensively, and don't schedule ...
by Sandtrap
Fri Apr 19, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9364

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Not retired but been lots of places. Looking forward in retirement to go to places I haven't been. My best travel tips for anyone: 1) Starting out, you will be learning how to travel. Don't get frustrated when things don't go as expected. Learn from each experience - how to pack, getting through th...
by Sandtrap
Fri Apr 19, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9364

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Great question !!!!! I am retired. Been nowhere. Newbie traveller "wanna be" trying to make plans. Where are great places to travel to? Cruise? We only do cruise with families of friends, usually at least three families, so that we could play cards together. Plane? At this time, I only consider ove...
by Sandtrap
Fri Apr 19, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9364

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

The title says everything. I'm not fully retired, but travel is the thing to which I want to retire. (Your financial situations may also help, if you don't mind). Great question !!!!! I am retired. Been nowhere. Newbie traveller "wanna be" trying to make plans. Where are great places to travel to? ...
by Sandtrap
Fri Apr 19, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 3952

Re: Need vacuum recomendations

My relative has several cats. She tried many brands of vaccum cleaners both cheap and expensive. The best one turned out to be a Shark from Walmart. Exceptional suction, simple design and light to move around. I think this is the model she bought. https://www.walmart.com/ip/Shark-Navigator-Lift-Awa...
by Sandtrap
Fri Apr 19, 2019 8:52 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8491

Re: This could be the biggest risk that retirees face?

The greatest risk to retirees may be that you'll be too successful The statistics are pretty clear. The greatest risk to retirees is a spending shock. Not a stock market crash or inflation or living too long. There's about a 13% chance that at least one person in a couple will live to be 100. On th...
by Sandtrap
Thu Apr 18, 2019 8:57 pm
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8491

Re: This could be the biggest risk that retirees face?

The greatest risk to retirees may be that you'll be too successful: “You have to worry about getting unlucky and living to 100,” said Richard Thaler, a Nobel Prize winner in economics, during a Brookings Institution event Thursday. How long you’ll live and how much money you’ll need in retirement a...
by Sandtrap
Thu Apr 18, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6571

Re: What is your hobby and how did it come to be your hobby?

They vary over the years, but canoeing (less whitewater these days), tennis, now learning pickleball, electronics and programming, and lockpicking. Got into canoeing way back through boy scouts. Tennis off and on since high school (not very good), electronics and programming since an early age. I s...