Search found 13099 matches

by Sandtrap
Thu Apr 22, 2021 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Trusts
Replies: 16
Views: 1142

Re: Trusts

1. Seek legal counsel for estate planning. 2. Read "Beyond the Grave" by Condon, to get additional insight into family dynamics and various inheritance scenarios. (while the legalities may not apply, which is why you talk to legal counsel, the scenarios of inheritance and so forth are inte...
by Sandtrap
Thu Apr 22, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: how to help my parents buy a house
Replies: 5
Views: 377

Re: how to help my parents buy a house

We would like to move my parents close to where my sister lives. The problem is that their house (which they own with no mortgage) is only worth about half of what a small house in a 55+ community costs near where my sister lives. Our goal is to get them into a new house without a new mortgage paym...
by Sandtrap
Thu Apr 22, 2021 11:28 am
Forum: Personal Finance (Not Investing)
Topic: marriage and personal finance
Replies: 40
Views: 2128

Re: marriage and personal finance

Relationships have a certain level of formally agreed on, tacitly agreed on (didn't say no so must be okay, "you never said anything so I thought. . . . . . ?), and never discussed (avoided), degree of commingling. And, each person has a certain level of openness to discuss these things amiably...
by Sandtrap
Thu Apr 22, 2021 11:16 am
Forum: Personal Finance (Not Investing)
Topic: how to help my parents buy a house
Replies: 5
Views: 377

Re: how to help my parents buy a house

What do your parents think of all this?
Do they want to move?
Their house is paid for and no debt. . .do they want new debt?
Have you or they or both spoken to legal counsel on how this fits in their estate planning?

j :D
by Sandtrap
Thu Apr 22, 2021 10:53 am
Forum: Personal Consumer Issues
Topic: DIY recessed lighting installation?
Replies: 51
Views: 2752

Re: DIY recessed lighting installation?

I’m struggling with this one. If it was painting your house, DIY is ok. But some trades are not just grunt work. Electrical is nothing to mess with! I don’t think it’s financially smart to do something that should be left to a professional. Maybe because I’ve had some bad experiences...and it’s har...
by Sandtrap
Thu Apr 22, 2021 10:46 am
Forum: Personal Finance (Not Investing)
Topic: What to do if I’m not good at my job but I’m paid well?
Replies: 35
Views: 3414

Re: What to do if I’m not good at my job but I’m paid well?

It seems like every job I find myself in, I am constantly getting corrected by my managers for errors and mistakes. I am working hard trying my best and fixing the errors, but it is sort of demoralizing and makes me feel like I’m not cut out for this job / career. The problem is I am paid well, but...
by Sandtrap
Thu Apr 22, 2021 9:59 am
Forum: Personal Consumer Issues
Topic: Towing with Small Truck
Replies: 30
Views: 1440

Re: Towing with Small Truck

From a business standpoint. . . . . . ****If you plan on expanding your landscaping business, then don't box yourself in with a smaller trailer and getting by with the truck you have and pushing it or spending money on it to make it more useable. Then: larger full size truck with a v8 and proper tow...
by Sandtrap
Thu Apr 22, 2021 8:42 am
Forum: Personal Consumer Issues
Topic: Quarter round molding
Replies: 40
Views: 2636

Re: Quarter round molding

I feel that 8mm vinyl planks are thick enough that they should kind of just go over any unevenness and create a pretty level surface for the molding to go on later (and I'd at least rather take the chance and try it, even if it does create gaps and we end up with shoe molding anyway). We are not go...
by Sandtrap
Thu Apr 22, 2021 8:31 am
Forum: Personal Consumer Issues
Topic: Bathroom fan question
Replies: 19
Views: 1441

Re: Bathroom fan question

I bought my house 20 years ago. It's relatively old, circa 1962. One of the bathrooms had been redone, and a fan was put in. Here's the thing: the fan vents into the attic. I guess this was standard practice way back when? As a result, I've never used the fan because I suspected that venting into t...
by Sandtrap
Wed Apr 21, 2021 3:14 pm
Forum: Personal Investments
Topic: withdrawal strategy after market decline
Replies: 44
Views: 3238

Re: withdrawal strategy after market decline

So adjustments have not been strictly necessary with such a low starting withdrawal rate. So seems like your argument is person could make a reduction if it made them feel better but would not really be necessary. I can look into amortization-based withdrawal method. There are lots of threads debat...
by Sandtrap
Wed Apr 21, 2021 1:34 pm
Forum: Personal Consumer Issues
Topic: Sold rentals to open business, plans changed, what to do with money?
Replies: 6
Views: 613

Re: Sold rentals to open business, plans changed, what to do with money?

It's not to late to do this: Read: Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Bogleheads®_investing_start-up_kit Define General Investment Goals and Objectives (...
by Sandtrap
Wed Apr 21, 2021 1:06 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds/Headphones Recommendations?
Replies: 23
Views: 1826

Re: Wireless Earbuds/Headphones Recommendations?

I've tried tons of these things over the years and use them every day for much of the day. Apple type ear buds on a wire don't stay in the ear. Wireless one's get left in the laundry. Single ear for the phone only, get left in the laundry, uncomfortable over time. etc. Expensive ones aren't all that...
by Sandtrap
Wed Apr 21, 2021 12:58 pm
Forum: Personal Consumer Issues
Topic: Need a good 5th-6th grade math DRILLING book (with LOTS of problems)
Replies: 27
Views: 1806

Re: Need a good 5th-6th grade math DRILLING book (with LOTS of problems)

My daughter is frustrated with the lack of drilling in math in her school. Yes, she is! Her school tries to teach with minimal examples, but anyone who's done a lot of math well knows that unless you're very gifted, you just have to practice - a lot, with a lot of questions. It's frustrating for he...
by Sandtrap
Wed Apr 21, 2021 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need Cash for Divorce Payout
Replies: 106
Views: 7128

Re: Need Cash for Divorce Payout

Compare the costs of the IRA withdrawal vs the best deal you can find on a HELOC.

Is selling the home then downsizing an option?
j :D
by Sandtrap
Wed Apr 21, 2021 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Using a HELOC for real estate flipping
Replies: 12
Views: 1136

Re: Using a HELOC for real estate flipping

I have some friends that run a partnership where the one who is a builder and has a team does the work on remodeling/new builds and the other provides a lot of capital for acquiring properties. I have an opportunity to join in on providing capital. This is in a very hot real estate market. My conun...
by Sandtrap
Wed Apr 21, 2021 12:32 pm
Forum: Personal Consumer Issues
Topic: Window blinds & shades
Replies: 9
Views: 635

Re: Window blinds & shades

We went with vertical blind systems cut to length at Home Depot.
j :D
by Sandtrap
Wed Apr 21, 2021 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Young Twenties Seeking Financial Independence
Replies: 40
Views: 3099

Re: Young Twenties Seeking Financial Independence

magicrat wrote: Tue Apr 20, 2021 9:34 am 1. Continue to get company match 2. Payoff debt in 1 year (make a budget) 3. Never take a car loan again 4. Invest more
+1
Additionally, do not rely on the bank of mom and dad.

Towards true financial independence. Onward! :D :D
j :D
by Sandtrap
Wed Apr 21, 2021 12:28 pm
Forum: Investing - Theory, News & General
Topic: Hit Millionaire Status! [Does anyone shift when they hit a milestone?]
Replies: 76
Views: 8525

Re: Hit Millionaire Status!

Step 2
2 comma club, net.
Paid off home.
Do not include home equity.
No debts.

Onward!
j :D
by Sandtrap
Wed Apr 21, 2021 10:18 am
Forum: Personal Consumer Issues
Topic: Mineral-based sunscreen without looking like a ghost?
Replies: 15
Views: 1336

Re: Mineral-based sunscreen without looking like a ghost?

Neutrogena Dry Touch SPF 100
Followed by Revlon Colormatch with a makeup sponge.

Look like a clown or mime without the Colormatch.
j🌺
by Sandtrap
Tue Apr 20, 2021 8:57 am
Forum: Investing - Theory, News & General
Topic: Bogle said 75% Total Bond and 25% Investment Grade Corp. Bond?
Replies: 43
Views: 2938

Re: Bogle said 75% Total Bond and 25% Investment Grade Corp. Bond?

What about Intermediate Investment Grade (not the corporate fund)? This fund is an active fund. I had another recent thread regarding this. It has outperformed Total Bond for a little higher risk. Tony +1 This fund has a solid place in my stable of funds, which includes Total Bond, and has held up ...
by Sandtrap
Tue Apr 20, 2021 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Investing in..your career
Replies: 13
Views: 1807

Re: Investing in..your career

IMHO: mid 30's is a great time to set the bar high and get into a place and position for long term overwhelming success and rewards in proportion to high ambition, drive, and a winning attitude. (Think Michael Jordan, Tiger Woods, etc). Is your goal "subtantial wealth" or "financial s...
by Sandtrap
Tue Apr 20, 2021 7:29 am
Forum: Investing - Theory, News & General
Topic: KITCO News Bite on Deflation
Replies: 37
Views: 2838

Re: KITCO News Bite on Deflation

Notice the types of advertising weaved into the news article to get an idea of the “news” agenda.

j🌺
by Sandtrap
Mon Apr 19, 2021 10:40 pm
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 127
Views: 10515

Re: Mosquitos! Mosquitos! Mosquitos!

Mosquitoes loved me in Hawaii and the ones in Northern Arizona find me as tasty as Hawaiian BBQ smelled miles away. We have a large stream that flows year round 500 yards to the East inside our property line so mosquitoes are a big problem. Rainy seasons are terrible. My only reliable protection is ...
by Sandtrap
Mon Apr 19, 2021 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: When is a lawyer needed for creating a will?
Replies: 24
Views: 1917

Re: When is a lawyer needed for creating a will?

1 Seek legal counsel.
2 Repeat.

j :D
by Sandtrap
Mon Apr 19, 2021 3:06 pm
Forum: Personal Consumer Issues
Topic: Raised Garden Beds - Building Material
Replies: 62
Views: 4111

Re: Raised Garden Beds - Building Material

For your 9 year old daughter to "first try things out" without going all in building things. . . . Concrete cmu tile blocks (8 x 8 x 16) Either finish ends or runners. (you can use them for other stuff as they are versatile). Large black pvc concrete mixing tubs/trays from Home Depot. Dril...
by Sandtrap
Mon Apr 19, 2021 12:48 pm
Forum: Personal Consumer Issues
Topic: Quarter round molding
Replies: 40
Views: 2636

Re: Quarter round molding

Personal preference. I personally wouldn't do it, as I've installed flooring in two houses myself, and there's a bit of craftsmanship that goes into cutting the flooring so that the baseboard alone covers the gap. One would argue there's also some craftsmanship into installing shoe molding as well,...
by Sandtrap
Mon Apr 19, 2021 10:29 am
Forum: Personal Consumer Issues
Topic: Quarter round molding
Replies: 40
Views: 2636

Re: Quarter round molding

Am I wrong to think that in essentially new construction (it's not as if they are saving the hassle of removing existing molding), they should be doing the base molding after the floor, and not trying to take the quick/easy way out of doing it first? I worked in new home construction for a time, an...
by Sandtrap
Mon Apr 19, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Quarter round molding
Replies: 40
Views: 2636

Re: Quarter round molding

rixer wrote: Mon Apr 19, 2021 9:30 am I don't like the look of quarter round nailed up next to the baseboard. When we installed wood floors, we removed the tall baseboard, installed the floor and reinstalled the baseboard. Much neater looking job.
+1
Cleaner look
j🌺
by Sandtrap
Mon Apr 19, 2021 10:25 am
Forum: Investing - Theory, News & General
Topic: Impacts of Lifting Eviction Moratoriums?
Replies: 10
Views: 1606

Re: Impacts of Lifting Eviction Moratoriums?

I know a number of owners of apartment buildings that are selling and getting out of the business entirely.

j🌺
by Sandtrap
Mon Apr 19, 2021 9:17 am
Forum: Personal Consumer Issues
Topic: Out on 4Runner - Used Lexus GX?
Replies: 34
Views: 2792

Re: Out on 4Runner - Used Lexus GX?

sec_vol wrote: Mon Apr 19, 2021 8:50 am Love my GX 460. Had an old 4Runner and made the same move you're contemplating. It's one of the few Toyotas that are made in Japan and sold in the USA. Basically a smaller Land Cruiser.
Maybe in the market for a luxury SUV midsize.
Did not know this.
Will look into it.
Thanks!

j :D
by Sandtrap
Mon Apr 19, 2021 9:15 am
Forum: Personal Consumer Issues
Topic: Out on 4Runner - Used Lexus GX?
Replies: 34
Views: 2792

Re: Out on 4Runner - Used Lexus GX?

Just bought a loaded 2021 Toyota 4Runner TRD pro/limited. Came out to $48-$50k OTD.
Very nice wheels.

j :D
by Sandtrap
Mon Apr 19, 2021 9:14 am
Forum: Personal Consumer Issues
Topic: Facemask Recommendations?
Replies: 45
Views: 2911

Re: Facemask Recommendations?

We got boxes of blue disposable ones from Costco. Costco.com also has the N95 ones, and a few different cloth ones as well. Online Costco.com has white round "N95" for box of 100 for $ 149.00 (wow!) Did you see the standard 3M blue N95's that used to be inexpensive in boxes at industrial ...
by Sandtrap
Mon Apr 19, 2021 9:13 am
Forum: Personal Consumer Issues
Topic: Quarter round molding
Replies: 40
Views: 2636

Re: Quarter round molding

Am I wrong to think that in essentially new construction (it's not as if they are saving the hassle of removing existing molding), they should be doing the base molding after the floor, and not trying to take the quick/easy way out of doing it first? I worked in new home construction for a time, an...
by Sandtrap
Mon Apr 19, 2021 7:54 am
Forum: Personal Consumer Issues
Topic: Vinyl Fence
Replies: 45
Views: 3091

Re: Vinyl Fence

It depends on the setting. In my neck of the woods, a vinyl fence would look out of place. It would clash with the cattle fencing. +1 Same in our area where there are more free range cattle on vast lands than people and homes. Not sure what kind of fence goes good with barb wire? :D OP: Depends on ...
by Sandtrap
Mon Apr 19, 2021 7:52 am
Forum: Personal Consumer Issues
Topic: Vinyl Fence
Replies: 45
Views: 3091

Re: Vinyl Fence

I put in three sections of 6 foot vinyl fencing (6ft. high) as a privacy screen. For the style I put in, I’d say you are easily looking at $35 a linear foot just for material by the time you add together the fence sections, posts and post caps. Of course it will depend a lot on the exact fencing yo...
by Sandtrap
Mon Apr 19, 2021 7:51 am
Forum: Investing - Theory, News & General
Topic: Ideal Bond allocation by age
Replies: 47
Views: 4135

Re: Ideal Bond allocation by age

OP:
Your question topic:
"Ideal Bond Allocation by Age"

Read:
"Ages of the Investor: Life Cycle Investing" by W. Bernstein.

j :D
by Sandtrap
Mon Apr 19, 2021 7:44 am
Forum: Personal Consumer Issues
Topic: Quarter round molding
Replies: 40
Views: 2636

Re: Quarter round molding

To me nothing looks worse than this combination. In a basement I recently did PVC moulding. Easy to install and forgiving of less than level and square surfaces. https://www.homedepot.com/p/Made-Rite-9-16-in-x-3-1-4-in-x-92-in-SnapBoard-Coronado-White-PVC-Baseboards-6-pcs-box-92-in-25-clips-SOB96B6...
by Sandtrap
Mon Apr 19, 2021 7:42 am
Forum: Personal Consumer Issues
Topic: Quarter round molding
Replies: 40
Views: 2636

Re: Quarter round molding

To me nothing looks worse than this combination. In a basement I recently did PVC moulding. Easy to install and forgiving of less than level and square surfaces. https://www.homedepot.com/p/Made-Rite-9-16-in-x-3-1-4-in-x-92-in-SnapBoard-Coronado-White-PVC-Baseboards-6-pcs-box-92-in-25-clips-SOB96B6...
by Sandtrap
Mon Apr 19, 2021 7:37 am
Forum: Personal Consumer Issues
Topic: Facemask Recommendations?
Replies: 45
Views: 2911

Re: Facemask Recommendations?

We got boxes of blue disposable ones from Costco. Costco.com also has the N95 ones, and a few different cloth ones as well. Online Costco.com has white round "N95" for box of 100 for $ 149.00 (wow!) Did you see the standard 3M blue N95's that used to be inexpensive in boxes at industrial ...
by Sandtrap
Sun Apr 18, 2021 5:36 pm
Forum: Personal Consumer Issues
Topic: Quarter round molding
Replies: 40
Views: 2636

Re: Quarter round molding

Hi. We're in the latter stages of our remodeling our finished basement. It included all new sheet rock, and we'll be doing a vinyl plank (coretec) floor over existing/old tile floor. Our intent was to have the coretec installed, then base molding after. However, we were just informed that the contr...
by Sandtrap
Sun Apr 18, 2021 5:11 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 22
Views: 1414

Re: Tool for precise 90 degree cut with utility knife blade?

What is the material? Maybe someone on the board has experience cutting it. Agreed. Im having trouble figuring out something thats very dense which would be melted by a table saw but can be cut with a utility knife. Unless its really thick plastic a table saw with the right kind of blade should be ...
by Sandtrap
Sun Apr 18, 2021 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 151
Views: 21460

Re: Can We Retire in Hawaii? Please Critique

Aloha Everyone, It has been a few years, so I thought I’d post an update. I retired from the military in mid 2020 just after the start of COVID, and just prior to retiring we purchased a 2-acre property on Kauai with the intent to build. I managed to get a job in Hawaii making 130k, so I’ve been do...
by Sandtrap
Sun Apr 18, 2021 12:10 am
Forum: Personal Consumer Issues
Topic: How to get the best sleep?
Replies: 27
Views: 1935

Re: How to get the best sleep?

Weighted blanket in winter Lot's of favorite feather pillows well used and tamped just right Heating pad under my spine or ice or heat under my neck when Kindle reading before going to sleep. Great noise cancellation ear buds playing soft oldies music. Favorite old friend stuffed animals (horrible n...
by Sandtrap
Sat Apr 17, 2021 6:37 pm
Forum: Personal Consumer Issues
Topic: Facemask Recommendations?
Replies: 45
Views: 2911

Re: Facemask Recommendations?

I still have 3 boxes of the original N95 Shops used to require them for trade use (lung protection) per correct use and spec long before they were used by the general public. We would go through tons of them. Industrial Supply centers are getting all the various masks and cartridges again for shop t...
by Sandtrap
Sat Apr 17, 2021 2:43 pm
Forum: Personal Consumer Issues
Topic: How to locate a photograph on the internet?
Replies: 17
Views: 1728

Re: How to locate a photograph on the internet?

If you still have the picture, sometimes the image will still have the "metadata" attached to it. See if you can get that off the picture.

j :D
by Sandtrap
Sat Apr 17, 2021 2:42 pm
Forum: Personal Consumer Issues
Topic: Indestructible ants?
Replies: 22
Views: 2045

Re: Indestructible ants?

Anyone that has seen the movie, "Antz" with the voice of Woody Allen? as the main Ant knows that they are pretty tough. . . . (The film features the voices of Woody Allen, Sharon Stone, Jennifer Lopez, Sylvester Stallone, Christopher Walken, Dan Aykroyd, Anne Bancroft, Danny Glover and Gen...
by Sandtrap
Sat Apr 17, 2021 2:30 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 200
Views: 17893

Re: Where do you buy coffee beans?

Ka'u Coffee Mill: Big Island, Hawaii. Shipped to me. https://kaucoffeemill.com/ Koa Coffee Mill: Big Island, Hawaii. Shipped to me. https://www.koacoffee.com/ Whole Bean Premium Peaberry Medium Roast. My "fallback" when I run out are the "Original 8 O'clock" beans at Walmart. :s...
by Sandtrap
Sat Apr 17, 2021 11:22 am
Forum: Personal Consumer Issues
Topic: general contractor vs specialist
Replies: 12
Views: 655

Re: general contractor vs specialist

By “general contractor” do you mean someone who will sub out and coordinate the work for a fee or do you mean a contractor/handyman that does all types of work and will give you a quote on this? A licensed GC is able to oversee multiple sub licensed trades such as electric plumbing HVAC etc. Insura...
by Sandtrap
Sat Apr 17, 2021 11:10 am
Forum: Personal Consumer Issues
Topic: general contractor vs specialist
Replies: 12
Views: 655

Re: general contractor vs specialist

Licensed Flooring contractor doing outstanding work Painting contractor doing outstanding work I know you know this, but a license is a minimal requirement and in no way ensures outstanding work. Just like with a driver's license: there are millions of very bad drivers who keep their license becaus...
by Sandtrap
Sat Apr 17, 2021 11:04 am
Forum: Personal Consumer Issues
Topic: general contractor vs specialist
Replies: 12
Views: 655

Re: general contractor vs specialist

i am thinking about interior painting and refinishing floors. how much would the quality differ between hiring a general contractor to do to work versus a dedicated painter and floor specialist? Licensed *****Reputable doing high level quality work**** Flooring contractor doing outstanding work Pai...