Search found 6171 matches

by Sandtrap
Sun Mar 12, 2017 4:15 pm
Forum: Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 32
Views: 3244

Re: Diversify Your Emergency Fund?

I know the crash of 2008-2009 is still fresh in the minds of investors, well Bogleheads at least. We all know how nasty that crash was and just how close it brought us to the edge of the cliff. With this in mind. Do you think it would be prudent to diversify your emergency fund across different acc...
by Sandtrap
Sun Mar 12, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 6218

Re: When should you replace a vehicle?

We replace a car either when it no longer runs or costs too much to fix, no matter how old. Otherwise, they just keep on tickin', like a "Timex". Always pay cash for "nearly new".
by Sandtrap
Sun Mar 12, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 2518

Re: Debate with friends on market timing, annuity, etc, thoughts?

Debate with friends on market timing, annuity, etc, thoughts? Thoughts....... Personal finances and investments are such a . . . personal. . . thing -- such that it easily invites confrontation. Each an "expert" and a consumate professional. Debates to enter into with the utmost of discretion, or a...
by Sandtrap
Sun Mar 12, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 24116

Re: gratuitous homeownership items

Ditto on gas fireplace. Big one. I can hear the money burning to turn it on. Just for looks. Never use it.
20 acres is nice but is sure a lot to mow even with a John Deere.
by Sandtrap
Sun Mar 12, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Impact driver (and possibly drill) recommendations
Replies: 36
Views: 3678

Re: Impact driver (and possibly drill) recommendations

I'm looking to get an impact driver for more power when needed and not having the drill chuck slip. Any recommendations? I may also consider upgrading my drill (Black & Decker 18v) if there's a decent combo package Latest Dewalt Lithium series (impact driver). The 1/2" hammer drill is also very use...
by Sandtrap
Sun Mar 12, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: LLC or other liability protection as landlord
Replies: 17
Views: 2080

Re: LLC or other liability protection as landlord

Hello, I own: a single family rental property in state A, where I live; am about to inherit: 1/4 share of a 6 plex in State B; 1/4 share of a duplex in State C; 1/2 share of a single family home in State B which we may sell or rent out. I am unlikely to be able to sell my shares in the 6plex or dup...
by Sandtrap
Sun Mar 12, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 24158

Re: How Bad was 2008, really?

In 2008 I was fully invested in Real Estate residential rental buildings, no debt, no leveraging. I did have to lower rents in some areas but for the most part rental demand increased. I felt no need to sell properties because of the drop in value just as one doesn't sell a producing orange grove be...
by Sandtrap
Sun Mar 12, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: What to do about a bad neighbor in same unit -- both renters of same landlord.
Replies: 43
Views: 6663

Re: What to do about a bad neighbor in same unit -- both renters of same landlord.

Landlord tenant codes are based on the "equal right to quiet enjoyment". In this case you don't have it. There are safety concerns and health concerns. . . (delete. . TMI ) (PM me if you would like some professional R/E based info) There are other options that experts here will suggest that are wond...
by Sandtrap
Sun Mar 12, 2017 7:44 am
Forum: Personal Investments
Topic: ST TIPS Volatility
Replies: 8
Views: 920

Re: ST TIPS Volatility

Curious about this as well for the same purpose. (Beyond CD's, TIPS ladder, etc) As far as short term funds: Between: Short Term Inflation Protected Securities Fund (TIPS) (VTAPX) Short Term Tips Fund vs Short Term Treasury (VFISX) Short Term Federal Fund (VSGDX) Stability vs volatility, etc? :?: Or...
by Sandtrap
Sat Mar 11, 2017 12:58 pm
Forum: Personal Investments
Topic: Is China In An Economic Bubble?
Replies: 26
Views: 2078

Re: Is China In An Economic Bubble?

I've been thinking of investing directly into Chinese Stocks and so have been doing lots of research on the country. Yet after all the research I've done, I am coming to conclusion that China may be in a bubble primarily from Real Estate and commodities. What do you think? Have you ever seen this 6...
by Sandtrap
Sat Mar 11, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 54
Views: 7910

Re: Zero-Turn Mowers

Thank you all for the responses! I ended up purchasing a Cub Cadet RZT L 46 inch mower. I went with this mower for a couple reasons. First, I was able to get a fabricated deck which was almost impossible to find at the price I wanted. The second is I liked the look and feel of the mower compared to...
by Sandtrap
Sat Mar 11, 2017 12:39 pm
Forum: Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 9386

Re: 28yo, New Millionaire, Advice on Wealth Management

And, above all, after all research and due diligence, after conferring with experts, holders of wisdom, and pundits.. . . keep your own counsel -- as only you can have your own best interests at heart and bear the consequence of your decisions and actions. "All things in moderation. . . including mo...
by Sandtrap
Fri Mar 10, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Protect myself from claims by movers or contractors?
Replies: 2
Views: 522

Re: Protect myself from claims by movers or contractors?

You have recourse for damages and injury by hiring a reputable company. However if you hire individuals yourself or a group that is not insured and not a professional moving company, then you may be liable for damages to your building and damages to your personal items. The most common risk is damag...
by Sandtrap
Fri Mar 10, 2017 6:13 pm
Forum: Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 9386

Re: 28yo, New Millionaire, Advice on Wealth Management

Also consider your career moving forward . Remaining in the same field. Becoming a "landlord" and owning an apartment complex (5 mil is not much in that field if a prime area) and painting vacant apartments in your free time. I have never been involved in apartment management--and never would be--b...
by Sandtrap
Fri Mar 10, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 16186

Re: Do you use lifestrategy/ asset allocation funds?

timboktoo wrote:I did use a Target Retirement fund, but I didn't like how often they changed the allocation.

- Tim
+1
The move to increase both international stock and international bond seems antithetical to "Bogle Basics". I wish Vanguard would have variations of the Balanced Index Fund, perhaps 30/70. Shucks.
by Sandtrap
Fri Mar 10, 2017 5:56 pm
Forum: Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 9386

Re: 28yo, New Millionaire, Advice on Wealth Management

Also consider your career moving forward. Remaining in the same field. Becoming a "landlord" and owning an apartment complex (5 mil is not much in that field if a prime area) and painting vacant apartments in your free time. Branching in out into other endeavors besides having a portfolio of investm...
by Sandtrap
Fri Mar 10, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 5527

Re: Dispute with neighborhood association

. . . . . . There is a 4th possibility and that is they return (refuse) your check and continue to ask for the payment + late fee. If they do that you may consider paying the entire thing and move on. Yes. One can also write "very obviously" on the check that processing and validating the check con...
by Sandtrap
Fri Mar 10, 2017 4:22 pm
Forum: Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 9386

Re: 28yo, New Millionaire, Advice on Wealth Management

You should educate yourself first even if you do plan on getting a fiduciary advisor, and don't even consider any other kind other than a fiduciary. Otherwise, you might as well have "SUCKER" tattooed on your forehead. Even if they mean well, the majority of advisors you would end up talking to wil...
by Sandtrap
Fri Mar 10, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Stick with KODI - Anyone try this?
Replies: 17
Views: 5797

Re: Amazon Fire TV Stick with KODI - Anyone try this?

Does Fire TV have more processing power than Fire Stick? I have the Fire Stick to watch baseball while I work, but it's constantly freezing. It makes it really tough to watch. More and more memory. Doesn't freeze up for us. Also depends on internet stream service speeds. I heard not to keep the Fir...
by Sandtrap
Fri Mar 10, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 16186

Re: Do you use lifestrategy/ asset allocation funds?

Did not care for Vanguard's changing international stock/bond allocation in Lifestrategy Income Fund (VASIX) and Target Retirement Income Fund (VTINX) so have Wellington (VWAX) + Balanced Index (VBIAX) + Total Bond (VBTLX) tilted to 25/75 +_5%.
by Sandtrap
Fri Mar 10, 2017 4:08 pm
Forum: Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 9386

Re: 28yo, New Millionaire, Advice on Wealth Management

https://www.bogleheads.org/wiki/Managing_a_windfall
Link to Bogleheads wiki "Managing A Windfall".
Strategize.
Caution.
by Sandtrap
Fri Mar 10, 2017 3:50 pm
Forum: Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 9609

Re: About to retire and need to realize 5%/year to live on.

Perhaps the closest thing to 5% would be a Vanguard Managed Payout Fund, but that is structured differently from other mutual and index funds. You may want to look into that. The other option is an SPIA (single payer immediate annuity) which can yield close to what you want, again, that is different...
by Sandtrap
Fri Mar 10, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: wife in car accident - next steps?
Replies: 28
Views: 3045

Re: wife in car accident - next steps?

Actionable steps:
Pay load with insurance proceeds.
Buy used car with cash, no loan.
Proceed from that point with no car debt.
Avoid car debt, house debt, debt.
Save money.
Invest.
by Sandtrap
Fri Mar 10, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Bank CD's vs Brokerage account CD's?
Replies: 6
Views: 1531

Re: Bank CD's vs Brokerage account CD's?

There are more specifics from experts here but this has been my experience so far. Bank CD's > protection of principal even if not held to maturity depending on details when purchased, early redemption penalty (usually interest). No distribution of interest until maturity, but not always. Must go to...
by Sandtrap
Fri Mar 10, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: How Do You Share Expenses?
Replies: 52
Views: 5286

Re: How Do You Share Expenses?

Actionable considerations: Seperate accounts. Expenses and monthly stipends quantified and mutually agreed upon. Spreadsheet if needed. Printed out so it is tangible. Copy to each. Similar to an IPS statement that is agreed on. Only things that are quantifiable are valid. Minimize conflict. Everyone...
by Sandtrap
Fri Mar 10, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: can you recommend good tires
Replies: 50
Views: 4759

Re: can you recommend good tires

Michelin from Cosco.
Consumer Reports rates the Michelins consistently high for performance, safety, and longevity.
In this case, you get what you pay for.
At your use level they may last 80-100,000 miles.
by Sandtrap
Fri Mar 10, 2017 9:03 am
Forum: Personal Investments
Topic: Sell current home vs. keep for rental
Replies: 10
Views: 1263

Re: Sell current home vs. keep for rental

Thanks for the replies. The house is in Mesa but decent location. It's in good shape maintenance wise and they just replaced the HVAC system last year. I agree that it does seem like a good time to sell. I should also mention that my sister just became a real estate agent this week. And my dad is a...
by Sandtrap
Thu Mar 09, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 33198

Re: Sitting on cash....Waiting for a crash

OP here. Thanks for all the replies. I love reading these threads. I sit here imagining all of you as these bearded bald guys smoking a pipe and wearing a cardigan just waiting to thump your wisdom upon us youngsters. Sorry to all the ladies on here, I don't have a good image of what you look like....
by Sandtrap
Thu Mar 09, 2017 9:25 pm
Forum: Personal Investments
Topic: Sell current home vs. keep for rental
Replies: 10
Views: 1263

Re: Sell current home vs. keep for rental

Scenario B. Phoenix is at the tail end of a good R/E bubble right now and is still a seller's market. Especially if the property is in the "streets" vs the "avenues". In the Tempe>> Scottsdale corridor, even better. Mesa is slower but inventory is still in demand for a good single family home in a g...
by Sandtrap
Thu Mar 09, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 33198

Re: Sitting on cash....Waiting for a crash

The last time I had a noticeable portion of my portfolio in cash was when I was addicted to financial porn. That was an expensive addiction. I wish I had that to do over again :oops: Newbie question: Define "financial porn" and how is that an "expensive addiction". :?: Can "sitting in cash and wait...
by Sandtrap
Thu Mar 09, 2017 6:37 pm
Forum: Personal Investments
Topic: Open bond fund now or wait till Fed rate increase next week
Replies: 15
Views: 1932

Re: Open bond fund now or wait till Fed rate increase next week

If it is somehow valid to wait till the Fed rate increase next week, or the week thereafter, or at the end of April, or. . . . . then that would also make it valid to sell a bond fund now and jump back in when share prices are lower because of the rate increase. . . . So perhaps a middle road would ...
by Sandtrap
Thu Mar 09, 2017 4:32 pm
Forum: Personal Investments
Topic: Options for my cash
Replies: 38
Views: 3708

Re: Options for my cash

Mortgage. 100%
by Sandtrap
Thu Mar 09, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Honda civic maintenance according to Sticker?
Replies: 17
Views: 2568

Re: Honda civic maintenance according to Sticker?

IMHO, the car makers balance costs with engineering requirements. As the lst year's oil change/service is often included in the purchase price, it may or not be absolutely optimum, but good enough. Various car enthusiast forums and clubs for fine expensive machines (techs and gearheads), ie: classic...
by Sandtrap
Thu Mar 09, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 54
Views: 7910

Re: Zero-Turn Mowers

Suggest talking to various landscapers and neighbors with mowers in your neighborhood. Maybe they will let you try theirs, certainly will show it off if it's a good one. When it comes to speed, agility, and low center of gravity/safety, . . . . IMHO once using a zero turn mower, all other mowers wil...
by Sandtrap
Thu Mar 09, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 33198

Re: Sitting on cash....Waiting for a crash

No way, Market levels have nothing to do with it. The clock is ticking, The compounding machine never sleeps. Put the money to work ASAP :happy +1 Spoke to a doctor yesterday. He has been sitting on a lot of cash for 2 years waiting for the market to drop. Ouch! I have to wade into the pond slowly ...
by Sandtrap
Wed Mar 08, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 54
Views: 7910

Re: Zero-Turn Mowers

Husqvarna, 2 blade, https://www.amazon.com/Husqvarna-967323903-V-Twin-Zero-Mower/dp/B00LOBHQ3I/ref=sr_1_2?ie=UTF8&qid=1489021228&sr=8-2&keywords=husqvarna+zero+turn Rock solid. Use it 9 mos out of the year on large acreage and rough ground and shrub. Easy to maintain. A zero turn is the only mower t...
by Sandtrap
Wed Mar 08, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 4013

Re: Obtaining Bachelors in Accounting @ 30

Another option is to talk to each: Air Force, Coast Guard, "and" Navy Recruiting office about "what they can offer you" for your unique skillsets. There are military equiv. to civilian job positions and also careers that are unique to what you do. Your experience at the Sheriff's dept. is a plus. Al...
by Sandtrap
Wed Mar 08, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Purchase Primary Residence or Rental Property First?
Replies: 2
Views: 473

Re: Purchase Primary Residence or Rental Property First?

Consider duplex, triplex, or fourplex.
by Sandtrap
Tue Mar 07, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best bank for managing accounts from different entities, trusts, businesses, etc....
Replies: 15
Views: 3134

Re: Best bank for managing accounts from different entities, trusts, businesses, etc....

Wells Fargo was able to consolidate my trust accounts, business accounts, and personal accounts, all under one Personal Banking status with one adviser. There was no extra charge for each account. The personal account has a matching checking and savings. Then, each trust account has a matching check...
by Sandtrap
Tue Mar 07, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: standing water around house
Replies: 24
Views: 5002

Re: standing water around house

OP here. Had a professional come out and take a look yesterday. There are gutters with downspouts on each corner of the house. The backyard is sloped toward the house, and top of that, on both sides of the house, the downspouts from the neighbors drain water into our yard (there is some grading awa...
by Sandtrap
Tue Mar 07, 2017 8:51 pm
Forum: Personal Investments
Topic: What to do with lump sum? First time poster.
Replies: 10
Views: 1453

Re: What to do with lump sum? First time poster.

Some in Wellesley Income Fund.
Some in CD's with reasonable early withdrawal penalties.
Most in savings account then move into funds, etc, as you are comfortable.
IMHO if you can't sleep then things are moving too fast or too much at stake.
by Sandtrap
Tue Mar 07, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 27306

Re: How to Die

Good read, both for physicians and patients. I also would want to avoid unnecessary suffering for myself or my family in the face of similar conditions. But, it is a very personal decision , and one that no one should assume they can make for someone else: A good friend of mine, an Ob-Gyn, retired ...
by Sandtrap
Tue Mar 07, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Can a cordless Reciprocating Saw do the job of a small chainsaw?
Replies: 30
Views: 8728

Re: Can a cordless Reciprocating Saw do the job of a small chainsaw?

Like "Tool Time" in the TV show, "Home Improvement", one can never have enough tools. How about an assortment of cutting things for just the right thing? 12" mini "Sthil" chain saw for small branches and up to a 30" "Husqvarna" for serious tree trunks. Also for railroad ties, landscaping timbers, an...
by Sandtrap
Tue Mar 07, 2017 6:14 pm
Forum: Personal Investments
Topic: how often do you shrug at your IPS? [Investment policy statement]
Replies: 50
Views: 5293

Re: how often do you shrug at your IPS?

For my spouse and me our IPS represents our long term plan to reach our financial goals. One of the biggest benefits of our IPS is that it keeps us on track and keeps us from investing emotionally and being swayed by every new investment and market trend. We follow our IPS in up markets to prevent ...
by Sandtrap
Tue Mar 07, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Any Car experts - Honda Odyssey question
Replies: 23
Views: 5235

Re: Any Car experts - Honda Odyssey question

Blackstone Lab Oil Test Kit http://www.blackstone-labs.com/free-test-kits.php There are a variety of oil test labs, "google" online. You will have an idea of the right oil change intervals, given types of oil you use, and exact car you have, and how you use your car. It is inexpensive, directions ar...
by Sandtrap
Tue Mar 07, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 7496

Re: Are Fiat Cars Junk?

1970's Fiat 124 Spider. Simple. Reliable. No computer. 4 tires, standard transmission, inline 4 with carbs. :happy
by Sandtrap
Tue Mar 07, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: discussions about individual stocks and mutual funds
Replies: 6
Views: 640

Re: discussions about individual stocks and mutual funds

Enter the stock or fund name and/or "ticker" in the upper right (Google) for the forum to bring up threads and archives and "wiki" on the subject. Generally threads with "venting" and "trolling" etc. will be locked when the information is no longer helpful and has become opinionated, etc. YMMV.