Search found 13199 matches

by Sandtrap
Fri May 07, 2021 8:31 am
Forum: Investing - Theory, News & General
Topic: How Do You React After a Market Decline?
Replies: 65
Views: 3547

Re: How Do You React After a Market Decline?

How do you react emotionally to a substantial market decline? I'd be lying if I said I didn't have some emotional response. "Mildly deflated" describes how I feel viscerally, and that lasts for about five minutes. It certainly doesn't ruin my day and in no way do I panic. No extremes of e...
by Sandtrap
Thu May 06, 2021 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Did I hire a bad property manager?
Replies: 21
Views: 2480

Re: Did I hire a bad property manager?

Background: We own a house in the SF Bay Area but decided to move to AZ after the schools failed to reopen. We rent a condo in AZ. Because we're not in the area, we hired a property management company. Our initial search included looking for someone who was willing to deal with our request that we ...
by Sandtrap
Thu May 06, 2021 9:51 am
Forum: Personal Finance (Not Investing)
Topic: What is the maximum amount I should spend on financial gambling?
Replies: 84
Views: 6292

Re: What is the maximum amount I should spend on financial gambling?

I have always had an interest in financial gambling (i.e. gambling using the financial markets, instead of casinos or racetracks). I day trade futures, holding positions for at most 20 seconds. I treat it as exciting entertainment . Is there a general guideline on the maximum percentage of my dispo...
by Sandtrap
Thu May 06, 2021 8:57 am
Forum: Personal Consumer Issues
Topic: "Cooling" Materials
Replies: 26
Views: 1846

Re: "Cooling" Materials

Hot day outside working or on a tractor. Long sleeve thicker cotton shirt or overalls. 1 gallon jug of water. Thick wide brim hat. Pour the water over one's head and neck and soak the clothing. Repeat as needed. (it can get very very cold). In lieu of a gallon jug of water, spouse can use a water ho...
by Sandtrap
Thu May 06, 2021 8:54 am
Forum: Personal Investments
Topic: Retirees: Monthly vs Quarterly vs Annual Distributions
Replies: 61
Views: 3440

Re: Retirees: Monthly vs Quarterly vs Annual Distributions

As needed.
What is not withdrawn is automatically reinvested, or reinvested when rebalancing.
j :D
by Sandtrap
Wed May 05, 2021 11:31 am
Forum: Personal Consumer Issues
Topic: Purchasing a business - any book suggestions?
Replies: 8
Views: 782

Re: Purchasing a business - any book suggestions?

I am looking into purchasing a small business. Looking for recommendations on books that help explain in detail what to look for and how to value the business. Any book suggestions are appreciated! Book writers and publishers on how to buy, run, and get rich in a business or investment make money o...
by Sandtrap
Wed May 05, 2021 8:08 am
Forum: Personal Finance (Not Investing)
Topic: New car purchase with credit card(s)
Replies: 19
Views: 1527

Re: New car purchase with credit card(s)

Has anyone purchased a car from the dealership entirely using credit cards? Any other tips you might have are also appreciated. Thanks. Various dealerships have a maximum that they are willing to put on a credit card. ****So. . .. it depends on the dealership. IE: Several months ago, a Toyota deale...
by Sandtrap
Mon May 03, 2021 8:34 am
Forum: Personal Finance (Not Investing)
Topic: How are Trusts monitored and enforced?
Replies: 34
Views: 2656

Re: How are Trusts monitored and enforced?

Trust Protector Co Corporate Trustee, etc. Beneficiaries. . . . only if the trust is setup properly for transparency and accountability and remedies for trustee non compliance. Depends on how the trust is written. . . Trust litigation and forensic accountants, etc, can be extremely expensive with no...
by Sandtrap
Mon May 03, 2021 8:30 am
Forum: Personal Consumer Issues
Topic: Counter Top Water Filtering System
Replies: 13
Views: 1065

Re: Counter Top Water Filtering System

We had undercounter tank and triple filter systems for many years. About 9 years ago we went back to the largest Berky with the single spigot and ceramic filters. Works great for our needs.

j :D
by Sandtrap
Mon May 03, 2021 8:28 am
Forum: Personal Consumer Issues
Topic: Ceramic Pro Car Coatings: (other car coatings by detailing shops) Legit or waste of $$$$ ????
Replies: 30
Views: 2789

Re: Ceramic Pro Car Coatings: (other car coatings by detailing shops) Legit or waste of $$$$ ????

Think about ceramic coating as a synthetic wax/sealer that works for 2 years if you take care of your car and wash it with the right products. For a couple of hundred bucks you can get the supplies to paint protect and ceramic like three cars. After that it is just your time, with 8 to 12 hours of ...
by Sandtrap
Mon May 03, 2021 8:24 am
Forum: Personal Consumer Issues
Topic: Ceramic Pro Car Coatings: (other car coatings by detailing shops) Legit or waste of $$$$ ????
Replies: 30
Views: 2789

Re: Ceramic Pro Car Coatings: (other car coatings by detailing shops) Legit or waste of $$$$ ????

Think about ceramic coating as a synthetic wax/sealer that works for 2 years if you take care of your car and wash it with the right products. For a couple of hundred bucks you can get the supplies to paint protect and ceramic like three cars. After that it is just your time, with 8 to 12 hours of ...
by Sandtrap
Mon May 03, 2021 8:17 am
Forum: Personal Consumer Issues
Topic: Is all Tyvek the same?
Replies: 6
Views: 1002

Re: Is all Tyvek the same?

I only have experience with Tyvek in construction where it must withstand the outside elements, etc. Here is a good article on various membranes: https://www.ecohome.net/guides/2219/weather-barriers-what-they-do-and-how-to-install-them/ There are a lot of products like "Tyvek" with differe...
by Sandtrap
Sun May 02, 2021 11:45 pm
Forum: Personal Consumer Issues
Topic: Ceramic Pro Car Coatings: (other car coatings by detailing shops) Legit or waste of $$$$ ????
Replies: 30
Views: 2789

Ceramic Pro Car Coatings: (other car coatings by detailing shops) Legit or waste of $$$$ ????

Ceramic Pro Car Coatings Website explanation of this: https://ceramicpro.com/facts-about-ceramic-coating-for-cars/ **Example of a local detailing shop for this service: Local estimate: $1200 to include a clay bar buffing and exterior detailing then application multiple coatings of the "Ceramic ...
by Sandtrap
Sun May 02, 2021 8:59 am
Forum: Personal Investments
Topic: Buying multiple properties in Midwest followed by 1031 exchange to buy a house in Bay area
Replies: 19
Views: 1949

Re: Buying multiple properties in Midwest followed by 1031 exchange to buy a house in Bay area

i think you fell into a logical trap where for some reason in your head you linked your future desire to buy a house with the faulty idea that the money should come from other houses. there are many ways to make money that can be spent on your future home! there is no reason to think your midwester...
by Sandtrap
Sat May 01, 2021 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Rental Problem (Florida)
Replies: 3
Views: 904

Re: Condo Rental Problem (Florida)

Unprofessional disorganized irresponsible realtor agent with no regard for your needs and contracts. Contact agent ASAP via call and email holding to the terms of the contract or full refund of all money paid and void contract lease. Keep all records of contacts emails and conversations. Hold agent ...
by Sandtrap
Sat May 01, 2021 5:01 pm
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

I don't have any walking specific recommendations. In cold weather I wear Merrell hiking boots, in warm weather I wear sneakers. Furthermore, I don't use any electronic monitoring devices and I am not a member of a gym, even though I am thinking of joining one that has a sauna. I live in an apartme...
by Sandtrap
Sat May 01, 2021 5:00 pm
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

Sandtrap, not sure if this is helpful or actionable for you, but I'm an avid hiker, 6-8 mi/day out here in CO. I've found over the years, what's on your feet matters also for knees, hips and back. I wear all leather Limmer hiking boots and two pair of socks, a cool max inner pair, and wool outer pa...
by Sandtrap
Sat May 01, 2021 10:46 am
Forum: Personal Consumer Issues
Topic: Photo Metadata
Replies: 4
Views: 585

Re: Photo Metadata

Is there any way to set an iPhone to NOT record metadata when taking photos? Is there any software that easily removes photo metadata in large batches of files? 1. Not sure 2. Yes. The main large Photoshop Program (IE: cs6, etc versions) has a save feature that is customizable. There are other prog...
by Sandtrap
Sat May 01, 2021 10:41 am
Forum: Personal Consumer Issues
Topic: plumbing issue -- low flow from bathroom sink faucet
Replies: 14
Views: 915

Re: plumbing issue -- low flow from bathroom sink faucet

If the faucet was fine before and over time the flow has been less then. . . . Remove aerator Clean da screen. Soak in white vinegar to remove water deposits Re install Or, get a new aerator. If the faucet is brand new or has always been low on flow. Replace faucet if it is too restrictive or. . . &...
by Sandtrap
Sat May 01, 2021 10:01 am
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

Saucony shoes (currently ISO 2) for walking, Thorlo Pads Google Fit app for tracking and motivation ankle weights and hand weights for other fitness routines a tens unit for occasional knee pain I've tried and docs have prescribed a variety of "tens units" for this and that over a period ...
by Sandtrap
Sat May 01, 2021 9:54 am
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

I use Superfeet Green in most of my outdoors/hiking/walking shoes...and Blue in my lifting shoes. Does this have to do with the fit in the shoe as well? Such as a "thin" orthotic insole if the shoe is tight fitting vs a roomier hiking shoe can have a thicker insole? thanks!! j :D Yes, abs...
by Sandtrap
Sat May 01, 2021 9:38 am
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

I have a Sole Eliptical and a Sole Treadmill in my home gym. The quality is exceptional, they work very smoothly, and the treadmill absorbs impact as well. j :D :shock: Not sure what to do to get my legs to look as fit as the models in these stock photos :shock: https://i.postimg.cc/9Qkwb7LB/bigstoc...
by Sandtrap
Sat May 01, 2021 9:25 am
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

Blues wrote: Sat May 01, 2021 9:07 am I use Superfeet Green in most of my outdoors/hiking/walking shoes...and Blue in my lifting shoes.
Does this have to do with the fit in the shoe as well?
Such as a "thin" orthotic insole if the shoe is tight fitting
vs a roomier hiking shoe can have a thicker insole?

thanks!!
j :D
by Sandtrap
Sat May 01, 2021 8:39 am
Forum: Personal Investments
Topic: Buying multiple properties in Midwest followed by 1031 exchange to buy a house in Bay area
Replies: 19
Views: 1949

Re: Buying multiple properties in Midwest followed by 1031 exchange to buy a house in Bay area

I live in Bay area, age 32, TC: ~320K. My investments are all in stock market, mainly index funds, 3-fund portfolio, plus some company RSUs. I want to buy a home in Bay area in the future, but it is expensive. I'm thinking of buying multiple properties in Midwest over the next 10 years, and them us...
by Sandtrap
Sat May 01, 2021 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Guidance for Tenant's claim for Damages
Replies: 78
Views: 6425

Re: Seeking Guidance for Tenant's claim for Damages

In addition to the above suggestions, to find an attorney who specializes in representing landlords: Find a local landlord association in your city, and see about getting an attorney referral from them. Go to a national landlord forum and see if they have a sub forum or if you can identify LL's in ...
by Sandtrap
Sat May 01, 2021 8:13 am
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

Shoes: Brooks or Saucony, been loving my Allbirds also. For longer hikes, must have good insoles such as Power Step Pro or Super feet. Was in Sedona a few years ago and went on 4-5 miles hike the first day and I think a little longer day 2. I woke up the next morning and my feet were so stiff i was...
by Sandtrap
Fri Apr 30, 2021 10:43 pm
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

. . . . . I'm a former college athlete who has since completed at a pretty high level in two totally divergent athletic pursuits: powerlifting and triathlons. I also have a PhD in exercise physiology. But, over a quarter century of intense training almost every single day and currently a laundry li...
by Sandtrap
Fri Apr 30, 2021 10:34 pm
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

Shoes: Brooks or Saucony, been loving my Allbirds also. For longer hikes, must have good insoles such as Power Step Pro or Super feet. Was in Sedona a few years ago and went on 4-5 miles hike the first day and I think a little longer day 2. I woke up the next morning and my feet were so stiff i was...
by Sandtrap
Fri Apr 30, 2021 10:25 pm
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: Walkers, Runners, Joggers: What best brand/style/type of Leg wraps?, Compression "leggings?", Knee sleeves? Etc?

I wear one, on occasion over my calf when it is sore or tightens up. Wear it during the run and after. It is some random brand on Amazon. Has worked great and still tight after many washed. It is polyester, I believe!? I wonder if something for my calf would help with soreness from rowing. I’m freq...
by Sandtrap
Fri Apr 30, 2021 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Nuances of Making an All-Cash Offer
Replies: 18
Views: 1993

Re: Nuances of Making an All-Cash Offer

In today’s competitive real estate climate with bidding wars, sometimes it takes an all-cash offer to win. What are the key subtleties of this approach one needs to consider? For example: 1. As part of the offer, should one substantiate with documentation their ability to make an all-cash offer? (e...
by Sandtrap
Fri Apr 30, 2021 2:18 pm
Forum: Personal Consumer Issues
Topic: Sleep Headphones?
Replies: 23
Views: 1301

Re: Sleep Headphones?

I have a parent with a terminal illness. That, plus pandemic and other related issues has caused quite a deal of stress in the past several months, resulting in insomnia. I have avoided prescription medications. I have tried white noise and similar sound therapy - doesn't work for me...space agey, ...
by Sandtrap
Fri Apr 30, 2021 9:20 am
Forum: Personal Investments
Topic: Reasonable asset allocation for 58 year old?
Replies: 16
Views: 1756

Re: Reasonable asset allocation for 58 year old?

This small book might be helpful to understand asset allocation vs age and stage of life and finances. "Ages of the Investor: Life Cycle Investing" by W. Bernstein On Amazon. (print is better than kindle because of graphics). https://smile.amazon.com/Ages-Investor-Critical-Life-cycle-Inves...
by Sandtrap
Fri Apr 30, 2021 8:01 am
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

Online stock photos: Many uses for "Foam Rollers".
Image

Image
by Sandtrap
Thu Apr 29, 2021 9:51 pm
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What best brand/style/type of Leg wraps?, Massagers?, Ice Packs? Fitness Recovery Products do you use?

2nd the foam rollers and massage sticks for runners. Also a regular massage. For specific issues though see a physical therapist first. They can analyze your gait and issues to provide specific recommendations. They can also show you specific, and proper techniques for using a foam roller! :oops: T...
by Sandtrap
Thu Apr 29, 2021 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Declining consumer loans and increasing consumer confidence
Replies: 6
Views: 507

Re: Declining consumer loans and increasing consumer confidence

Here's one more proof that stimulus plans aren't really helping the consumers : While commercial loans grew exponentially in 2020-2021, consumer loans have seen a steep decline: https://fred.stlouisfed.org/series/CCLACBW027SBOG What is more surprising is that I recently read a study showing the con...
by Sandtrap
Thu Apr 29, 2021 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What control over a trustee do you expect?
Replies: 46
Views: 2920

Re: What control over a trustee do you expect?

We have a sentence specifying that our preference is that securities be held in low fee index funds, and the attorney said it is acceptable to include this type of language. Our corporate trustee reviewed the language of the trust and found it acceptable. It doesn't tie their hands if circumstances...
by Sandtrap
Thu Apr 29, 2021 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: What control over a trustee do you expect?
Replies: 46
Views: 2920

Re: What control over a trustee do you expect?

AFAIK, sans a co trustee or a trust protector, or specific provisions for oversight, transparency, and accountability, it can be difficult.

Seek legal counsel
j🌺
by Sandtrap
Thu Apr 29, 2021 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Guidance for Tenant's claim for Damages
Replies: 78
Views: 6425

Re: Seeking Guidance for Tenant's claim for Damages

How long has the tenant been living in the unit? What is the duration of the lease agreement? If the lease had expired, did it auto rollover to mo to mo? Did the tenant request an early release from the lease and you denied it? Does the tenant want to move out and you are holding the to the full te...
by Sandtrap
Thu Apr 29, 2021 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Guidance for Tenant's claim for Damages
Replies: 78
Views: 6425

Re: Seeking Guidance for Tenant's claim for Damages

A tenant has filed a case claiming that the rented unit is not legal (the unit was indeed legalized before the tenant moved in) and wanted their money back plus some other claims. How is a rental "not legal?" I have no idea what this means. The tenant is claiming that the place they're in...
by Sandtrap
Thu Apr 29, 2021 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Guidance for Tenant's claim for Damages
Replies: 78
Views: 6425

Re: Seeking Guidance for Tenant's claim for Damages

I'm an attorney, but not in your area, and I generally do not handle landlord tenant issues. I also haven't read the advice above, so apologies if I am repeating anything already offered. None of what follows is intended to be legal advice. The plaintiff is required to "serve" you with th...
by Sandtrap
Thu Apr 29, 2021 10:15 am
Forum: Personal Investments
Topic: The Ethics and Ease of Managing Rental Properties
Replies: 4
Views: 1169

Re: The Ethics and Ease of Managing Rental Properties

So I read and hear a lot about passive income streams from rental properties and how supposedly easy it is to get started. But I was wondering, and generally speaking from what you guys have seen, how easy is it exactly to generate a decent stream of passive income from rental properties (say from ...
by Sandtrap
Thu Apr 29, 2021 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Guidance for Tenant's claim for Damages
Replies: 78
Views: 6425

Re: Seeking Guidance for Tenant's claim for Damages

There's no harm in contacting your mother's insurance company. They are the ones who will tell you if they will or will not get involved. You can seek your own representation also. As mentioned, gather all of your evidence. Permits, occupancy certificate, etc. Proof of insurance on a rental unit. P...
by Sandtrap
Wed Apr 28, 2021 8:21 am
Forum: Personal Consumer Issues
Topic: What "Personal Fitness Products" do you use to help stay active?
Replies: 74
Views: 5798

Re: What "Personal Fitness Products" do you use to help stay active?

Is walking on sand hard on the knees, ankles, feet, and what would help with that as far as shoes, knee sleeves, etc? Article: https://blog.myfitnesspal.com/6-walking-tips-that-can-help-ease-knee-pain/ Walking shoes for sand or soil, etc? https://i.postimg.cc/YqCs4Bmh/6-Walking-Tips-That-Can-Help-Ea...
by Sandtrap
Wed Apr 28, 2021 8:15 am
Forum: Personal Investments
Topic: investment property in Groveland CA
Replies: 4
Views: 605

Re: investment property in Groveland CA

I want some advice on buying an investment property value at around 360k that will be a vacation home and part-time vacation rentals. The vacation rentals should pay 80 to 90% of yearly expenses ( approx 24k), so for a few years, the yearly expense will always be negative. Please share any experien...
by Sandtrap
Wed Apr 28, 2021 7:47 am
Forum: Personal Consumer Issues
Topic: First time to Hawaii with family
Replies: 55
Views: 4440

Re: First time to Hawaii with family

Hello, We are planning to go to Hawaii later this year (September probably). We have never been there and would love some suggestions. There will be two seniors (my mom and mother-in-law), me and my spouse, and our two children (4 and 2 years old). I did a little bit of research and it seems that H...
by Sandtrap
Wed Apr 28, 2021 7:46 am
Forum: Personal Consumer Issues
Topic: First time to Hawaii with family
Replies: 55
Views: 4440

Re: First time to Hawaii with family

Find a good authentic Chinese restaurant and order cake noodles, you will be glad you did. Do not stay in or spend any time near Waikiki or Ala Moana +1 Oyster Sauce Chicken On Cake Noodle at most local (not fancy touristy places) Chinese restaurant (Cantonese/Island/Local). It is an island favorit...
by Sandtrap
Tue Apr 27, 2021 9:41 pm
Forum: Personal Consumer Issues
Topic: First time to Hawaii with family
Replies: 55
Views: 4440

Re: First time to Hawaii with family

Big Island (least touristy most Hawaiiii. It is big so lots of time just driving and driving with not much to look at except miles of old lava fields Maui (more touristy than the big island but lots to do within a smaller area, georgeous beaches Get a resort hotel in Kihei lots for the younguns, 1 f...
by Sandtrap
Tue Apr 27, 2021 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Advice on whether to sell rental duplex - Bay Area
Replies: 11
Views: 1192

Re: Advice on whether to sell rental duplex - Bay Area

Thanks. Really good and clear points. I also do enjoy the positive side of having a relationship with the tenants, chatting with them, and knowing I'm providing a decent home for them. I think about the risks, that it seems in California courts will dismiss an eviction case, and judges will likely ...
by Sandtrap
Tue Apr 27, 2021 10:18 am
Forum: Personal Consumer Issues
Topic: duct cleaning and other cleaning
Replies: 9
Views: 638

Re: duct cleaning and other cleaning

Much depends on the condition of your ducks. Every home is different so get several estimates and looks at your system first. For us, our home’s ducks were extremely dirty and smelled when we bought the home. A German company called Gezundheit Duck Cleaning did an extensive job on the entire system ...
by Sandtrap
Tue Apr 27, 2021 10:03 am
Forum: Personal Consumer Issues
Topic: Vehicle Input Jeep Specific (Depreciation Consideration)
Replies: 16
Views: 949

Re: Vehicle Input Jeep Specific (Depreciation Consideration)

A Jeep Rubicon has the "I wanna" "I gotta have" factor that can't be quantified or put on a spreadsheet. For a stricly financial and logical decision: then Toyota something. . . . But, for fun and the "Jeep Rubicon" bug, . . . then get a Jeep Rubicon and just have fun w...