Search found 13258 matches

by Sandtrap
Sun May 16, 2021 4:39 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Suburu Forrester or other SUV
Replies: 79
Views: 5669

Re: Honda CRV or Suburu Forrester or other SUV

Many thanks Bogleheads! This could be my last car and large investment. Thank you very much for all the advice. Do you have comments on electric cars ? my concern is insufficient infrastructure to charge these cars. I have no idea on the costs to service these cars. I know the future will be electr...
by Sandtrap
Sun May 16, 2021 9:09 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Suburu Forrester or other SUV
Replies: 79
Views: 5669

Re: Honda CRV or Suburu Forrester or other SUV

Along with the wording of "nearest Toyota dealer "(often the selling dealer) Toyota states that recall/customer support program work can be done at any authorized dealer . I suspect they would run afoul of the NHTSA and other agencies if there were any limits. Good point. I wonder if ther...
by Sandtrap
Sun May 16, 2021 7:20 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1214
Views: 57247

Re: Bird watchers – what birds are you seeing?

Allixi wrote: Sat May 15, 2021 6:58 pm The blue jay that comes to the feeder has a broken leg :(
New or old broken leg?

Auwe!
j :D :(
by Sandtrap
Sun May 16, 2021 7:15 am
Forum: Personal Consumer Issues
Topic: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?
Replies: 24
Views: 1580

Re: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?

I did a ton of investigating ceramic coatings and car finish care on You Tube before I had my new BMW X-3 professionally ceramic coated one day after I took delivery. Here are the major points I learned: Wash car with a pH neutral soap. Avoid high pH soaps. There are many reputable low pH soaps out...
by Sandtrap
Sun May 16, 2021 7:11 am
Forum: Personal Consumer Issues
Topic: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?
Replies: 24
Views: 1580

Re: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?

I did a ton of investigating ceramic coatings and car finish care on You Tube before I had my new BMW X-3 professionally ceramic coated one day after I took delivery. Here are the major points I learned: Wash car with a pH neutral soap. Avoid high pH soaps. There are many reputable low pH soaps out...
by Sandtrap
Sun May 16, 2021 7:06 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Suburu Forrester or other SUV
Replies: 79
Views: 5669

Re: Honda CRV or Suburu Forrester or other SUV

"I was told by Nissan and Honda and Infinity and Lexus, that for factory recalls and warranty service, I had to go to the same vendor that I bought the car from. That means if I bought a Lexux in the big city 2 hours away, I'd have to take the car back there for certain things. So, that was, u...
by Sandtrap
Sat May 15, 2021 9:28 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Suburu Forrester or other SUV
Replies: 79
Views: 5669

Re: Honda CRV or Suburu Forrester or other SUV

Hello I am hoping for this forum to provide some advice on SUV's I have been test driving Honda CRV and Suburu forrester and having a hard time deciding which way to go. Some back ground information. 1) I retired this year and therefore, I hope to buy a car that I can enjoy during retirement. Comfo...
by Sandtrap
Fri May 14, 2021 12:31 pm
Forum: Personal Investments
Topic: $5M Construction Project :confused
Replies: 62
Views: 5909

Re: $5M Construction Project :confused

That's very true from an employee wage earner point of view. I've seen countless licensed contractors (self employed businessman in the business of construction) and trades workers working hourly do "flippers" in addition to their daily income stream, for the purpose of getting ahead, bec...
by Sandtrap
Fri May 14, 2021 11:01 am
Forum: Personal Investments
Topic: $5M Construction Project :confused
Replies: 62
Views: 5909

Re: $5M Construction Project :confused

I would be the first to admit the seeming majority of folks on this board don't have much idea what real entrepreneurial risk looks like, with some very notable exceptions (many of whom have already posted in this thread). Sometimes you have to lay a lot on the line for the big payout. I am sure th...
by Sandtrap
Fri May 14, 2021 9:56 am
Forum: Personal Investments
Topic: $5M Construction Project :confused
Replies: 62
Views: 5909

Re: $5M Construction Project :confused

I would be the first to admit the seeming majority of folks on this board don't have much idea what real entrepreneurial risk looks like, with some very notable exceptions (many of whom have already posted in this thread). Sometimes you have to lay a lot on the line for the big payout. I am sure th...
by Sandtrap
Fri May 14, 2021 9:48 am
Forum: Personal Consumer Issues
Topic: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?
Replies: 24
Views: 1580

Re: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?

I did a ton of investigating ceramic coatings and car finish care on You Tube before I had my new BMW X-3 professionally ceramic coated one day after I took delivery. Here are the major points I learned: Wash car with a pH neutral soap. Avoid high pH soaps. There are many reputable low pH soaps out...
by Sandtrap
Fri May 14, 2021 8:04 am
Forum: Personal Consumer Issues
Topic: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?
Replies: 24
Views: 1580

Re: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?

DW and I just had our 2021 Toyota 4Runner TRD Pro and 2021 Honda Passport Elite "Ceramic Coated" at a reputable auto detailing shop. The cars came out looking 100x better than from the dealer. The surface is deep and extremely shiny and slick. The shop said it takes 2-3 weeks to "cur...
by Sandtrap
Fri May 14, 2021 7:22 am
Forum: Personal Investments
Topic: $5M Construction Project :confused
Replies: 62
Views: 5909

Re: $5M Construction Project :confused

Some random considerations as you go forward on this project: 1. While you can draw up excellent legal contracts, etc, to ensure; transparency (on a schedule) and accountability (recourse), as well as a payment and disbursement schedule to pay a % of interest and % disbursement of profit, etc (from ...
by Sandtrap
Thu May 13, 2021 4:42 pm
Forum: Personal Consumer Issues
Topic: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?
Replies: 24
Views: 1580

Re: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?

I did a ton of investigating ceramic coatings and car finish care on You Tube before I had my new BMW X-3 professionally ceramic coated one day after I took delivery. Here are the major points I learned: Wash car with a pH neutral soap. Avoid high pH soaps. There are many reputable low Ph soaps out...
by Sandtrap
Thu May 13, 2021 2:56 pm
Forum: Personal Consumer Issues
Topic: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?
Replies: 24
Views: 1580

Re: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?

I guess I'm wondering why the detailing shop didn't convey this information before you paid for the work? I use Collinite 845, no coatings. Works great, beads for well over a year. True. The detail shop was selling its own line of products. Thus, checking alternative and options for full research, ...
by Sandtrap
Thu May 13, 2021 7:43 am
Forum: Personal Consumer Issues
Topic: What products do you use to clean and maintain a car "ceramic coating" or "other coating"?
Replies: 24
Views: 1580

What products do you use to clean and maintain a car "ceramic coating" or "other coating"?

DW and I just had our 2021 Toyota 4Runner TRD Pro and 2021 Honda Passport Elite "Ceramic Coated" at a reputable auto detailing shop. The cars came out looking 100x better than from the dealer. The surface is deep and extremely shiny and slick. The shop said it takes 2-3 weeks to "cure...
by Sandtrap
Thu May 13, 2021 12:37 am
Forum: Personal Investments
Topic: $5M Construction Project :confused
Replies: 62
Views: 5909

Re: $5M Construction Project :confused

I am putting $500K and my friend $500K and financing rest of costs Thanks for the clarification. Even with those numbers, the basic ideas and concepts of what I posted previously still are fairly valid. Good luck on this. j :D Appreciate your thoughtful response above. You asked above why I am cons...
by Sandtrap
Wed May 12, 2021 10:51 pm
Forum: Personal Investments
Topic: $5M Construction Project :confused
Replies: 62
Views: 5909

Re: $5M Construction Project :confused

I'm confused: are you putting up $1 million or $500k to buy the land? Are you then also sharing the ongoing financing costs on top of that? Either way (but especially if you are putting up $1 million plus), with the risks involved and goal of walking away with a $400k profit in about two years if e...
by Sandtrap
Wed May 12, 2021 9:46 pm
Forum: Personal Investments
Topic: $5M Construction Project :confused
Replies: 62
Views: 5909

Re: $5M Construction Project :confused

Town house construction project - A friend of mine approached me with this proposal. Buy permit/utility approved (shovel ready) land and build townhomes. Sell them at profit. Property is in SoCal. 15-18 month timeline. He is the active partner and I am silent partner. He doesn't expect me to be act...
by Sandtrap
Wed May 12, 2021 9:20 am
Forum: Personal Consumer Issues
Topic: sony a7c full frame camera
Replies: 51
Views: 2306

Re: sony a7c full frame camera

Wow!
These are awesome macro shots.
Great job!
Thanks for posting them for all to enjoy.
j :D
by Sandtrap
Wed May 12, 2021 8:36 am
Forum: Personal Consumer Issues
Topic: Ceramic Pro Car Coatings: (other car coatings by detailing shops) Legit or waste of $$$$ ????
Replies: 37
Views: 3703

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

Yes. Factory finish is unaffected. Modern PPF allows UV through so the paint goes through the same aging process as the rest of the car. For a daily driver a ppf (paint protection film) is way more practical and effective. Get them to wrap edges and full hood and you won’t notice it’s there. You do...
by Sandtrap
Wed May 12, 2021 8:28 am
Forum: Personal Consumer Issues
Topic: sony a7c full frame camera
Replies: 51
Views: 2306

Re: sony a7c full frame camera

The full frame Sony A7C with high end Sony "glass" is an incredible camera to own and have fun with. There are so many wonderful fun cameras available now and great pictures can be taken by many of them whether a 1 inch sensor or APS-C or Full Frame or Medium Format, . . . or a great Cell ...
by Sandtrap
Wed May 12, 2021 8:07 am
Forum: Personal Investments
Topic: What do people actually mean when they say "buy land" to build wealth?
Replies: 41
Views: 4467

Re: What do people actually mean when they say "buy land" to build wealth?

There was an old saying that goes, "Land Is The Basis For Wealth". The concept holds true as a partial Metaphor. (IE: something in diminishing availability, rising value, etc, etc) Not necessarily raw land Not "land as dirt" per se Etc. There are those thru history that have amas...
by Sandtrap
Wed May 12, 2021 8:02 am
Forum: Personal Finance (Not Investing)
Topic: How would your life change if you were suddenly worth $50MM?
Replies: 15
Views: 1071

Re: How would your life change if you were suddenly worth $50MM?

1. Would you expand the charities you normally give to, or just increase the amount to the same charity? 2. How conservative would your asset allocation look? 3. What type of lifestyle creep would occur? 4. Would you hire a “team” to help with managing the money and taxes? 5. Would you keep your jo...
by Sandtrap
Tue May 11, 2021 11:33 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1214
Views: 57247

Re: Bird watchers – what birds are you seeing?

RetiredAL wrote: Tue May 11, 2021 11:30 pm Johnathan surveying his realm @ the Santa Cruz Wharf last week. And yes, the Sea Lions were about as they always are.


Image
Perfect!!!!

J🌺
by Sandtrap
Tue May 11, 2021 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: I See no Path Forward Financially
Replies: 101
Views: 11753

Re: I See no Path Forward Financially

Welcome

Suggest reading in paperback form the following.
Read often with a pencil, underline, yellow marker.

“Life Strategies” by Dr Phil McGraw
“Life Code” by Dr Phil McGraw

Available Amazon.com
j🌺
by Sandtrap
Tue May 11, 2021 8:52 pm
Forum: Personal Consumer Issues
Topic: Moving with 2 cats
Replies: 53
Views: 3012

Re: Moving with 2 cats

Largest most secure comfy hard plastic pet carriers you can get. Medium dog ones are fine as long as the grates are cat proof. Favorite toys. Lined with soft towels. Cover the carriers and face them to see each other door to door. A/c on high. Play soft music and keep talking to them. They will sett...
by Sandtrap
Tue May 11, 2021 7:49 am
Forum: Personal Consumer Issues
Topic: Do You Insist that Contractors Itemize?
Replies: 45
Views: 4398

Re: Do You Insist that Contractors Itemize?

It seems that whenever I contract some work to be done on my house, the contractor's quote is much higher than I had predicted. My predictions are based upon the contractor's stated hourly labor rate, the number of hours required to do the work, the wholesale cost of materials, a modest (say 20%) m...
by Sandtrap
Tue May 11, 2021 7:38 am
Forum: Personal Finance (Not Investing)
Topic: [Looking for a reason to retire]
Replies: 15
Views: 1355

Re: What prompted you to pull the plug and retire?

If any of my fellow BH see something I am not seeing, or once found themselves in my position, please share your thoughts and wisdom. As a "teacher," I know there is always something you can learn, if you are open to learning. I maintain that people in our age (65 and older) work because:...
by Sandtrap
Tue May 11, 2021 7:29 am
Forum: Personal Finance (Not Investing)
Topic: [Looking for a reason to retire]
Replies: 15
Views: 1355

Re: What prompted you to pull the plug and retire?

If any of my fellow BH see something I am not seeing, or once found themselves in my position, please share your thoughts and wisdom. As a "teacher," I know there is always something you can learn, if you are open to learning. I maintain that people in our age (65 and older) work because:...
by Sandtrap
Mon May 10, 2021 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: What prompted you to pull the plug and retire?
Replies: 126
Views: 12725

Re: What prompted you to pull the plug and retire?

If not for health I likely would still be in business.
I was still having fun.

But in retrospect, the timing was good.
Everything fell into place.
Retired at 58.
j🌺
by Sandtrap
Mon May 10, 2021 4:24 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1214
Views: 57247

Re: Bird watchers – what birds are you seeing?

"Cleo", the Great Horned Owl that's been sitting on our roof at night off and on for the past 9 years, is staying later in the mornings instead of leaving before dawn. Always a "hoot". j :D I'm extremely jealous that you've got Cleo close at hand. I'm always looking for GHOs, bu...
by Sandtrap
Mon May 10, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: Phoenix, AZ as an early retirement location? Advice please
Replies: 126
Views: 8525

Re: Phoenix, AZ as an early retirement location? Advice please

Search the forum archives for extensive recent threads on relocating to Arizona.
They cover finances, culture, ideology, etc etc etc

j🌺
by Sandtrap
Mon May 10, 2021 9:40 am
Forum: Personal Consumer Issues
Topic: sony a7c full frame camera
Replies: 51
Views: 2306

Re: sony a7c full frame camera

I'm contemplating about buying Sony a7c which is smallest full frame. It looks like ideal for travelling. I'm not a pro by any means. Reasons for buying it: 1. my current Sony nex 5t (mirrorless) is broken. 2. My 2nd son who will leave for college for two years wants to learn photography. I thought...
by Sandtrap
Mon May 10, 2021 9:23 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1214
Views: 57247

Re: Bird watchers – what birds are you seeing?

8 Hummers around the hummingbird feeder this morning. Looks like a swarm of bumblebees. This is a mystery to me. Out west, I've seen many hummers on one feeder. And I've seen many pictures of the same thing. Where I live, the hummers are fiercely territorial. One bird seems to rule the feeder for t...
by Sandtrap
Mon May 10, 2021 7:32 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

Also, any suggestion of drop ceiling vs. sheet rock? There are a couple of places we need access to water control (a line to the outside faucet for example). Mix and match? We did sheet a rock ceiling and in the one spot where we needed to access a water shutoff valve, I just put in a heating vent ...
by Sandtrap
Mon May 10, 2021 7:28 am
Forum: Personal Investments
Topic: Is it a sin to sit on $2M+ of cash for several months?
Replies: 31
Views: 4260

Re: Is it a sin to sit on $2M+ of cash for several months?

While not a "cardinal" sin, it may be a "venial" sin, . . . or a "misdemeanor at best". It might be worthwhile to consider putting together a long term strategy and create a stable base of diversified investments to offset the volatility of crypto. See the forum "w...
by Sandtrap
Mon May 10, 2021 7:23 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1214
Views: 57247

Re: Bird watchers – what birds are you seeing?

Hummers: 8 Hummers around the hummingbird feeder this morning. Looks like a swarm of bumblebees. https://i.postimg.cc/CKc9yJP2/Hummingbird-dn.jpg Mrs. Wren. Annual appearance of the same Arizona Cactus Wren (Mrs Wren) that's been building a nest in our front porch rafter every year for the past 8 ye...
by Sandtrap
Sun May 09, 2021 10:12 pm
Forum: Personal Consumer Issues
Topic: How do you pay for a car?
Replies: 32
Views: 2480

Re: How do you pay for a car?

At a dealer last week.
2k on a credit card balance on a brokerage check.
At a dealer 2 months ago.
Same

j🌺
by Sandtrap
Sun May 09, 2021 10:10 pm
Forum: Personal Consumer Issues
Topic: What "substantial" issues have you seen/heard of housing inspections flagging
Replies: 54
Views: 3722

Re: What "substantial" issues have you seen/heard of housing inspections flagging

I have accompanied licensed home inspectors that missed major issues.
HVAC issues, water supply plumbing failures, and foundation issues, and more.
In some areas it doesn’t take much to be a licensed home inspector.

Buyer Beware
j🌺
by Sandtrap
Sun May 09, 2021 9:35 am
Forum: Personal Consumer Issues
Topic: Door frame damaged - Don't want to replace door
Replies: 15
Views: 1632

Re: Door frame damaged - Don't want to replace door

A competent finish carpenter can replace the damaged section of a door frame. If it is a custom shape, he can mill it. Depending on your budget, he can also maybe fix the door frame section that is damaged. He can also reset your hinges, etc, so the door hangs right if it is off. At a door price of ...
by Sandtrap
Sun May 09, 2021 9:27 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

Earlier this week, I had lunch with the head of a big commercial builder in my city. He said the expectation for inflated prices on raw building materials is about 1 year. So definitely sit tight and wait this craziness out! Thank you for the inside scoop! Question for all is: when I get around to ...
by Sandtrap
Sun May 09, 2021 9:14 am
Forum: Personal Investments
Topic: Mother is 64 & decided it might be worth trying to save for retirement...
Replies: 41
Views: 5356

Re: Mother is 64 & decided it might be worth trying to save for retirement...

As the title says, my mother is 64 & decided it might be worth trying to save for retirement... :oops: Considering that she likely has at most 5 years of human capital left, would the best thing for her to be to put as much as humanly possible into HYSA, I Bonds, or a "stable value" f...
by Sandtrap
Sun May 09, 2021 9:12 am
Forum: Investing - Theory, News & General
Topic: I’m writing a really basic investor’s guide for my [adult children] - input welcome
Replies: 67
Views: 5017

Re: I’m writing a really basic investor’s guide for my kids - input welcome

Education Profession (choice) Frugality (learned early and becomes natural) Ability to save for the long term (taught but as for a lifetime habit, difficult in a culture that encourages spending and consumption) Having something to invest (income stream, zero debt, and savings) comes before investin...
by Sandtrap
Sun May 09, 2021 8:10 am
Forum: Investing - Theory, News & General
Topic: What is your favorite portfolio management tool or calculator?
Replies: 36
Views: 3831

Re: What is your favorite portfolio management tool or calculator?

We're fairly aware of how much is at various brokerages, etc, and things don't fluctate very much in a simple "boglehead" portfolio setup. And, Vanguard and Fidelity, etc, have excellent summary sheets, etc, online. And, there are not that many funds in a basic LBP Bogle Basic portfolio. S...
by Sandtrap
Sun May 09, 2021 8:03 am
Forum: Personal Finance (Not Investing)
Topic: How to contain Property Tax with extensive remodeling
Replies: 37
Views: 4033

Re: How to contain Property Tax with extensive remodeling

You can contest and have the value reassessed, but. . . . . that might result in a lower. . . but also a higher valuation.
So. . be prepared if you go that route.

We've done this and fortunately it ended up lower.
j :D
by Sandtrap
Sun May 09, 2021 8:01 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

I will need to rethink the room configurations. There is only 1 set of egress windows on the far end where there will be the main bedroom. Due to not having another egress window, I will likely convert the other room into just a "study" or non-bedroom so as to comply with code. All the re...