Search found 13462 matches

by Sandtrap
Thu Jun 24, 2021 7:45 pm
Forum: Personal Consumer Issues
Topic: What was your best quality of life improvement for $1000?
Replies: 105
Views: 8473

Re: What was your best quality of life improvement for $1000?

iPhone 7 Plus
When it came out.
Still running great after its first battery change last year.

j🌺
by Sandtrap
Thu Jun 24, 2021 7:43 pm
Forum: Personal Consumer Issues
Topic: Light Bulb Changer
Replies: 5
Views: 526

Re: Light Bulb Changer

Bought an aluminum adjustable pole with suction cup similar to this https://www.amazon.com/STAUBER-Best-Bulb-Changer-Large/dp/B0141K282M/ref=sr_1_7?crid=E4WLYZA7L4AQ&dchild=1&keywords=light+bulb+changer+for+high+ceilings&qid=1624572800&sprefix=light+bulb+%2Caps%2C251&sr=8-7 30 y...
by Sandtrap
Thu Jun 24, 2021 7:28 am
Forum: Personal Consumer Issues
Topic: Mattress Debacle
Replies: 39
Views: 2515

Re: Mattress Debacle

Call your credit card company to see if you can get a full refund because the store said that but did not.
This will give you better shopping options.

j🌺
by Sandtrap
Thu Jun 24, 2021 7:25 am
Forum: Personal Investments
Topic: I’m about to inherit a stake in a large family business. Does a traditional asset allocation still make sense for me?
Replies: 53
Views: 3419

Re: I’m about to inherit a stake in a large family business. Does a traditional asset allocation still make sense for me

I’d pretend like the family business doesn’t exist. If benefits come from it great. If not oh well. I find these sentiments fascinating (not wrong but just so foreign to my thinking that it’s hard for me to compute). My advice is to find assets that have a low or even negative correlation to my fam...
by Sandtrap
Thu Jun 24, 2021 6:17 am
Forum: Personal Investments
Topic: I’m about to inherit a stake in a large family business. Does a traditional asset allocation still make sense for me?
Replies: 53
Views: 3419

Re: I’m about to inherit a stake in a large family business. Does a traditional asset allocation still make sense for me

OP: to your exact question: No and yes…. Why? Consider anything involving the family business income and assets (personal finance) a diversification on personal income stream and personal assets. Compartmentalize and, at least mentally and on paper, don’t commingle family businesss assets and cash f...
by Sandtrap
Wed Jun 23, 2021 11:28 pm
Forum: Investing - Theory, News & General
Topic: How Do You Make Your Asset Allocation Decisions?
Replies: 39
Views: 2588

Re: How Do You Make Your Asset Allocation Decisions?

This question made perfect sense even 5 years ago. It doesn't anymore. I think, the idea of AAs depend on the bond market continuing its bull run. This doesn't make sense to me. Rates are currently negative real right now. And it doesn't seem likely that they will go negative nominal. Negative rate...
by Sandtrap
Wed Jun 23, 2021 8:04 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 251
Views: 54033

Re: Bogleheads, tell me about your 40's?

My 40's were a unique part of my life. In my early 40's I drank way too much Vodka, was out way too much and dated and slept with way too many ladies. At this point in my investing life I was putting as much as I could into deferred compensation (401 B) while paying temporary alimony and child supp...
by Sandtrap
Wed Jun 23, 2021 2:31 pm
Forum: Investing - Theory, News & General
Topic: The future of Boglehead philosophy
Replies: 33
Views: 2742

Re: The future of Boglehead philosophy

Why should there be any change in Bogleheads investing principles? After all, the Bogleheads® investment philosophy is: 1. Develop a workable plan 2. Invest early and often 3. Never bear too much or too little risk 4. Diversify 5. Never try to time the market 6. Use index funds when possible 7. Kee...
by Sandtrap
Wed Jun 23, 2021 8:31 am
Forum: Personal Consumer Issues
Topic: Customer Reviews
Replies: 30
Views: 1751

Re: Customer Reviews

Actionably per forum guidelines…… Read only the negative reviews. Post 2-3 star product n purchase reviews not 1 star Vendors will indeed email forever to get a review changed. Either ignore the emails or get the free product or refund. It can be helpful and perhaps build a solid customer “profile” ...
by Sandtrap
Tue Jun 22, 2021 8:10 pm
Forum: Investing - Theory, News & General
Topic: How Do You Make Your Asset Allocation Decisions?
Replies: 39
Views: 2588

Re: How Do You Make Your Asset Allocation Decisions?

What I cannot afford to lose is in the Vanguard Total Bond Market Index Fund and Cash. The rest is in the Vanguard 500 Index Fund. Best wishes. Taylor Jack Bogle's Words of Wisdom: "Choose a balance of stocks and bonds according to your unique circumstances--your investment objective, your tim...
by Sandtrap
Tue Jun 22, 2021 10:51 am
Forum: Personal Investments
Topic: how do Bogleheads increase risk?
Replies: 23
Views: 1752

Re: how do Bogleheads increase risk?

Allocation = risk vs return
And…..
“Glide Slope” = unique to each person.

j🌺
by Sandtrap
Tue Jun 22, 2021 9:13 am
Forum: Investing - Theory, News & General
Topic: How Do You Make Your Asset Allocation Decisions?
Replies: 39
Views: 2588

Re: How Do You Make Your Asset Allocation Decisions?

Toons wrote: Tue Jun 22, 2021 8:51 am 70/30
Until I Leave
This World






:wink:
Admire your tenacity!

j :D
by Sandtrap
Tue Jun 22, 2021 8:01 am
Forum: Investing - Theory, News & General
Topic: How Do You Make Your Asset Allocation Decisions?
Replies: 39
Views: 2588

Re: How Do You Make Your Asset Allocation Decisions?

OP: suggest reading the forum wiki:
“Investing Behavior Pitfalls”.

“Life Cycle Investing” by W. Bernstein.

j🌺
by Sandtrap
Tue Jun 22, 2021 7:58 am
Forum: Investing - Theory, News & General
Topic: How Do You Make Your Asset Allocation Decisions?
Replies: 39
Views: 2588

Re: How Do You Make Your Asset Allocation Decisions?

AA is intensely personal, it is imperative that one not overestimate their ability to handle risk, it is critically important that one not sell after a large downturn. I always use Bernstein’s quote: “mistiming the market is probably the most frequent and severe form of permanent capital loss”. Thi...
by Sandtrap
Tue Jun 22, 2021 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Buy and hold blighted property in neighborhood with future potential
Replies: 50
Views: 3010

Re: Buy and hold blighted property in neighborhood with future potential

Compare and contrast this R/E personal financial investment with the same money in a market based investment portfolio. Do you have a R/E personal investment finance business plan? Do you have a market based index fund portfolio to backstop this? Investing is comprehensive, Etc. Familiar with your t...
by Sandtrap
Tue Jun 22, 2021 7:24 am
Forum: Investing - Theory, News & General
Topic: How to change mindset after “winning the game”
Replies: 13
Views: 2360

Re: How to change mindset after “winning the game”

Hi all. I am curious; can Bogleheads tell me how you were able to change your mindset after achieving your financial or career goals? This can apply to investing of course. But for my example, my wife and I have been able to build a great business over the past decade. This involved motivation and ...
by Sandtrap
Mon Jun 21, 2021 4:14 pm
Forum: Personal Investments
Topic: fixed income 6% - what am I missing?
Replies: 17
Views: 2245

Re: fixed income 6% - what am I missing?

Eyes open.
Seek legal counsel.

j :D

Does your investment have an exit?
What are the terms?
Who else have they asked?
by Sandtrap
Mon Jun 21, 2021 4:08 pm
Forum: Personal Consumer Issues
Topic: External hard drive to back up photos
Replies: 33
Views: 2141

Re: External hard drive to back up photos

Samsung T5 SDD drive. j🌺 Absolutely... and you might consider a RAID as a second backup. Someone will correct me if I'm wrong but the last I looked, at greater than 2tB, you have to go to 4tB (I have an older 3tB hdd but those were always the exception), so roughly $100 for an external 4tB hdd vs. ...
by Sandtrap
Mon Jun 21, 2021 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Small Biz Owners - How Did You Decide Vacation & Sick Leave
Replies: 3
Views: 383

Re: Small Biz Owners - How Did You Decide Vacation & Sick Leave

For full time formal hourly or salary; 2 weeks paid vacation per year plus sick leave etc. I let the payroll services company handle it. For mor informal arrangements, just talk it over as needed. I had a “no door” policy with everyone. So, I kept things flexible; weddings, baby showers, “uncles lua...
by Sandtrap
Sun Jun 20, 2021 8:42 pm
Forum: Personal Consumer Issues
Topic: regrout shower cost
Replies: 1
Views: 529

Re: regrout shower cost

It's possible that the tile is ruined and you might have to retile the entire shower to get it to look really nice again. Sometimes, a patch on a patch on a patch. . . still looks like a patch. Get estimates and good inspections of the shower by reputable licensed tile contractors specializing in in...
by Sandtrap
Sun Jun 20, 2021 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Modifying 70% flippers rule for when you also plan to live there
Replies: 14
Views: 1687

Re: Modifying 70% flippers rule for when you also plan to live there

One suggestion. Drop the 70% rule. Treat every flipper, every business investment, etc, on its own merits. Do a business plan. Include everything you have to work with, etc. Do a financial plan. Do a project management projection. Have an exit plan. For example: if you have 7 pizza franchises acros...
by Sandtrap
Sun Jun 20, 2021 7:27 pm
Forum: Personal Consumer Issues
Topic: External hard drive to back up photos
Replies: 33
Views: 2141

Re: External hard drive to back up photos

Samsung T5 SDD drive.

j🌺
by Sandtrap
Sun Jun 20, 2021 2:12 pm
Forum: Personal Consumer Issues
Topic: Two weeks stay in Cancun
Replies: 24
Views: 2382

Re: Long term stay in Cancun

Is there an option besides Mexico??

j🌺
by Sandtrap
Sun Jun 20, 2021 7:50 am
Forum: Personal Consumer Issues
Topic: DIY planter window box
Replies: 4
Views: 435

Re: DIY planter window box

Hi all, I am looking to install around a 52 inch PVC plant window box. House is vinyl siding which is over concrete block. Plan is to install using masonry bit and anchors to attach the window box. Wondering if there is any easier suggestion although I think my novice skills can handle it. I did se...
by Sandtrap
Sun Jun 20, 2021 7:04 am
Forum: Investing - Theory, News & General
Topic: What pitfalls do even smart people make when buying a home?
Replies: 173
Views: 14358

Re: What pitfalls do even smart people make when buying a home?

Mixing emotions with financial and practical concerns when making decisions. Sometimes….. “Wanna” + “Gotta” = “Coulda’” + “Shoulda’” Not buying with resell in mind. Not having an exit plan. Financially. Underestimating costs and overestimating income/assets and resources. Not doing “due diligence”. ...
by Sandtrap
Sat Jun 19, 2021 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Modifying 70% flippers rule for when you also plan to live there
Replies: 14
Views: 1687

Re: Modifying 70% flippers rule for when you also plan to live there

One suggestion. Drop the 70% rule. Treat every flipper, every business investment, etc, on its own merits. Do a business plan. Include everything you have to work with, etc. Do a financial plan. Do a project management projection. Have an exit plan. For example: if you have 7 pizza franchises across...
by Sandtrap
Sat Jun 19, 2021 9:56 am
Forum: Investing - Theory, News & General
Topic: Is the secret to long term wealth as simple as living below your means and investing in a low cost index fund
Replies: 179
Views: 18153

Re: Is the secret to long term wealth as simple as living below your means and investing in a low cost index fund

It seems like building long term wealth is pretty simple. Live below your means and invest in a low cost total stock market index fund. Am I missing anything other than stay the course? Is it really that easy? Define “wealth”? Substantial wealth? Financial Independence? Enough? Rich beyond one’s ne...
by Sandtrap
Sat Jun 19, 2021 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Bodily injury claim - Lawyer or DIY?
Replies: 41
Views: 3448

Re: Bodily injury claim - Lawyer or DIY?

Seek excellent legal counsel ASAP.
Keep excellent records.
Document everything including conversation and event recaps.

Seek excellent legal counsel ASAP.

Focus on family, health, and recovery.
j🌺
by Sandtrap
Sat Jun 19, 2021 6:55 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1311
Views: 64020

Re: Bird watchers – what birds are you seeing?

We have started seeing a pair of olive-backed sunbirds coming to the flowers on our balcony. Beautiful little birds that fill the niche occupied by hummingbirds in the US, of which there are none here in Thailand. Olive Backed Sunbirds. Do they look like this beautiful bird? https://i.postimg.cc/7Z...
by Sandtrap
Sat Jun 19, 2021 6:23 am
Forum: Personal Consumer Issues
Topic: How long should a car last?
Replies: 91
Views: 6413

Re: How long should a car last?

https://www.bogleheads.org/forum/viewtopic.php?p=5728175#p5728175 Refer to this Forum 3 page thread: "How Long To Keep A Car". One post there: <snip> The Story of Blue Betsy (picture is not actually of Blue Betsy but pretty close). Blue Betsy, originally owned by a fireman friend for over...
by Sandtrap
Sat Jun 19, 2021 6:18 am
Forum: Personal Investments
Topic: Should I buy house from father in law
Replies: 29
Views: 2719

Re: Should I buy house from father in law

Yes. Buy the home. Not only is it prudent financially, but it is part of your FIL's estate planning. So, there's far more to the issue than what can be entered on a spreadsheet (like much in life that seems only financial). The actual buying and paying for the home is only 20% of the issue. This is ...
by Sandtrap
Sat Jun 19, 2021 6:13 am
Forum: Personal Consumer Issues
Topic: Office Desk
Replies: 13
Views: 1189

Re: Office Desk

Have you considered an electric height adjustable "stand up desk" for versatility, etc? Something like this? (Amazon.com "Jarvis Standing Desk") Link: https://smile.amazon.com/gp/product/B07GVQ6HW8/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 As for your links and reviews/...
by Sandtrap
Fri Jun 18, 2021 7:19 pm
Forum: Personal Consumer Issues
Topic: Best, Longest-Lasting Composition Roof
Replies: 9
Views: 950

Re: Best, Longest-Lasting Composition Roof

Consider a switch to tile if the roof can handle the load.

j🌺
by Sandtrap
Fri Jun 18, 2021 10:52 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 2253
Views: 213014

Re: Jack Bogle - Two Fund Portfolio

I sent a request to Ladygeek earlier today regarding the status of the Jack Bogle - Two Fund Portfolio thread. This thread, started in 2016, is one of the most engaging on the forum with a post count of over 2,200. I would like to thank Ladygeek and the forum moderators for considering the request ...
by Sandtrap
Fri Jun 18, 2021 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Sell investment property vs hedge against inflation
Replies: 5
Views: 412

Re: Sell investment property vs hedge against inflation

Given the data and “feelings” you’ve presented and also stage of life (transitional), as well as spouse input. Sell. Why? Because after selling you have more financial and life path options going forward, as well as reduced financial and other “obligations”. Decisions like this go far beyond what ca...
by Sandtrap
Fri Jun 18, 2021 7:31 am
Forum: Personal Consumer Issues
Topic: Is This Truck Purchase a Bad Idea?
Replies: 60
Views: 3723

Re: Is This Truck Purchase a Bad Idea?

He already ordered it from Ford so I think he is locked in at the price. It's just a matter of them making the truck which I think they are pretty backed up at the moment. I would not assume you can't cancel the order. I'm sure there are some provisions for cancelling, although I don't know how clo...
by Sandtrap
Fri Jun 18, 2021 7:28 am
Forum: Personal Finance (Not Investing)
Topic: ISO: A good equivilant to Bogle's common sense for real estate
Replies: 2
Views: 313

Re: ISO: A good equivilant to Bogle's common sense for real estate

I'm looking for recommendations for a book that takes a similar long term track to real estate investing similar to Bogle on the market. Most of the stuff out there is all about evaluating single properties but not really the long term trends or performance. I was wanting something that could put R...
by Sandtrap
Fri Jun 18, 2021 7:11 am
Forum: Personal Investments
Topic: Best book for 25y/o w/ limited investing experience?
Replies: 34
Views: 1986

Re: Best book for 25y/o w/ limited investing experience?

Hi Bogleheads, Can you please recommend the (single) book you would recommend for a 25-year-old with limited investing experience? My much younger SIL is a recent college graduate with a stable job and the means to save for her future. I'm thinking about encouraging her to take a more proactive rol...
by Sandtrap
Fri Jun 18, 2021 7:00 am
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 257
Views: 17477

Re: Vacations Plans?

DW and I have progressively longer road trips planned that we've put off for 15 years for various reasons. 1 We miss the beach, I miss swimming in the ocean. So, we're heading off to various large lakes around us, then farther until we get to California beach resorts for the longer trips. 1b The &qu...
by Sandtrap
Fri Jun 18, 2021 6:53 am
Forum: Personal Consumer Issues
Topic: Guidance for Mid-Price Electric Guitar
Replies: 42
Views: 2062

Re: Guidance for Mid-Price Electric Guitar

OP: also, remember to get a really comfy wide guitar strap. As an electric is usually heavier than an acoustic. Also if you branch out and get a bass guitar as well. These are great wide straps avail. on Amazon. Leather. https://smile.amazon.com/gp/product/B083TQ7PQX/ref=ppx_yo_dt_b_search_asin_titl...
by Sandtrap
Fri Jun 18, 2021 6:50 am
Forum: Personal Consumer Issues
Topic: Guidance for Mid-Price Electric Guitar
Replies: 42
Views: 2062

Re: Guidance for Mid-Price Electric Guitar

Check out Epihone hollowbodies, excellent build quality at reasonable prices. I have the Casino model and love it, made famous by a certain someone. https://equipboard.com/pros/john-lennon/epiphone-casino +1 This is an amazingly versatile guitar. Also the "Artcore Series" by Ibanez. My Ep...
by Sandtrap
Thu Jun 17, 2021 11:39 pm
Forum: Personal Consumer Issues
Topic: Guidance for Mid-Price Electric Guitar
Replies: 42
Views: 2062

Re: Guidance for Mid-Price Electric Guitar

Epiphone semi or full hollow body for versatility and light weight.
Ibanez ArtCore series.
Look for the sound you want in the pickups and design then also fit and weight and if it fits your style of playing.

Also focus on your amp combo to get the sound you want.
j🌺
by Sandtrap
Thu Jun 17, 2021 10:49 pm
Forum: Personal Consumer Issues
Topic: Is This Truck Purchase a Bad Idea?
Replies: 60
Views: 3723

Re: Is This Truck Purchase a Bad Idea?

Here is an example and a consideration: I have driven only trucks in my construction company and other businesses since around 1978. All were used. DW had the “family car”. Also used. Our businesses (incl R/E) prospered because of an attention to spending and maximizing saving, investing, and growth...
by Sandtrap
Thu Jun 17, 2021 10:39 pm
Forum: Investing - Theory, News & General
Topic: What Is Your Longest-Held Investment?
Replies: 111
Views: 6875

Re: What Is Your Longest-Held Investment?

Longest held investments….

R/E Multi Unit Residential Income Property. Many Decades.

Vanguard Total Stock Index
Vanguard Total Bond
Vanguard Balanced Index Fund

Also….businesses.
j🌺
by Sandtrap
Thu Jun 17, 2021 10:34 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 2253
Views: 213014

Re: Jack Bogle - Two Fund Portfolio

I sent a request to Ladygeek earlier today regarding the status of the Jack Bogle - Two Fund Portfolio thread. This thread, started in 2016, is one of the most engaging on the forum with a post count of over 2,200. I would like to thank Ladygeek and the forum moderators for considering the request ...
by Sandtrap
Thu Jun 17, 2021 10:18 pm
Forum: Personal Consumer Issues
Topic: possible termites
Replies: 15
Views: 1189

Re: possible termites

Dry wood termites in the studs or sill plate. Slow eaters.
If it was Formosa or ground they’d be mud tubes. Fast eaters.
Call the pros before they turn your framing to paper.

Often see these piles under doors
j🌺
by Sandtrap
Thu Jun 17, 2021 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: What are your best business trip $ tips?
Replies: 11
Views: 894

Re: What are your best business trip $ tips?

Looks like I'll be traveling more frequently for work soon. Obvious stuff would be like enrolling in airline/hotel loyalty programs but what are some other little tips? My employer provides a rather large per diem meal reimbursement ($70/day) so I plan on taking advantage of that for sure. I'm also...
by Sandtrap
Thu Jun 17, 2021 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Selling my condo unit “as is”
Replies: 17
Views: 1776

Re: Selling my condo unit “as is”

You mention you made a "Verbal Agreement". Did both parties sign anything? Did you list the unit? Was there a signed DROA? Etc? Seek legal counsel to find if it was binding and your liabilities. Other than the above, a R/E sale “as is” may work for you. Seek legal counsel ASAP to find out...
by Sandtrap
Thu Jun 17, 2021 12:26 pm
Forum: Personal Investments
Topic: Gut check at 24 years old - not sure if I should feel this behind
Replies: 51
Views: 4438

Re: Gut check at 24 years old - not sure if I should feel this behind

Given one’s background, roots, and perhaps culture, foundation values and norms remain the metric to compare much through life. And, in your case, the impetus for (broad and financial) success you have now and going forward. “Feeling” behind is your motivational gift if in balance. Stick to your lon...