Search found 13080 matches

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: 42
Views: 2655

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: 10
Views: 1358

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: 11
Views: 1124

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: 10446

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: 1817

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: 4025

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: 36
Views: 2183

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: 36
Views: 2183

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: 36
Views: 2183

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: 1595

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: 30
Views: 2191

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: 30
Views: 2191

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: 2862

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: 36
Views: 2183

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: 37
Views: 2419

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: 37
Views: 2419

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: 41
Views: 3280

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: 36
Views: 2183

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: 36
Views: 2183

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: 2862

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: 36
Views: 2183

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: 1394

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: 21432

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: 1920

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: 2862

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: 1721

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: 2021

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: 198
Views: 17575

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: 643

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: 643

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: 643

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...
by Sandtrap
Sat Apr 17, 2021 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Selling a new house with a defective roof - how to proceed?
Replies: 16
Views: 1170

Re: Selling a new house with a defective roof - how to proceed?

One option I would look at is to see if you can go ahead with the sale but have the cost of a new roof held in an escrow account until this gets resolved. That would need to be enough to cover the worst case which would be that you get stuck with paying for the new roof. Thank you for this suggesti...
by Sandtrap
Sat Apr 17, 2021 7:49 am
Forum: Personal Consumer Issues
Topic: Cockroach Coming Out of Hole in Sink?
Replies: 32
Views: 3141

Re: Cockroach Coming Out of Hole in Sink?

Sewer roaches coming in from the sink overflow and also living in the sink hollow area in the sink body. 1 Plug the drain and fill sink with very hot water until it flows into the overflow holes. Do not overflow sink onto the floor. 2 Spray roach spray into the holes do the hollow body of the sink i...
by Sandtrap
Fri Apr 16, 2021 6:04 pm
Forum: Personal Investments
Topic: Multiple years of expenses in cash when starting retirement
Replies: 104
Views: 8115

Re: Multiple years of expenses in cash when starting retirement

8-10 years expenses and much much more when we formally retired. Bought an expensive “flipper” home and homestead so knew we needed lots of ready cash over a period of time for construction costs, etc. The funds came out of closing most of my businesses. Over the past 9 years it’s worked out well. A...
by Sandtrap
Fri Apr 16, 2021 1:24 pm
Forum: Personal Investments
Topic: Going to receive around $1 million - what to do ?
Replies: 38
Views: 6571

Re: Going to receive around $1 million - what to do ?

#2 And keep working. At 34, 1 mil will give you a boost in retirement savings and later at age 50 or earlier or it depends, the option to retire early. No apartment building unless you have business ambitions to switch to that and grow more. R/E income property is not as passive as most think. It’s ...
by Sandtrap
Fri Apr 16, 2021 9:59 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5944

Re: Best 4 wheel drive vehicle

Another note for "beach sand". . . Getting stuck is inevitable depending on how far onto the beach you go. No matter the rig, when the axle hits the sand and the tires are sunk deep, that's it! So, bring a long thick web tow strap so someone with another rig can give you an assist and pull...
by Sandtrap
Fri Apr 16, 2021 9:53 am
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1282

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

I am seeing houses with finished basements (walk-outs, not much below grade) with full bathrooms that use ejector pumps to function. Do these bathrooms work well? What maintenance is involved? Are there better and worse Ejector Pumps? (Any recommendations are appreciated.) These are houses served b...
by Sandtrap
Fri Apr 16, 2021 8:53 am
Forum: Personal Consumer Issues
Topic: owner's name on business checks (?)
Replies: 4
Views: 451

Re: owner's name on business checks (?)

Inevitable “generational” encounters in the age of Apple Pay, etc.

We still use business checks for contractors, subs, tenant refunds, supply houses, etc.
Checks are still mainstream in many places.

j🌺
by Sandtrap
Thu Apr 15, 2021 1:30 pm
Forum: Personal Consumer Issues
Topic: Securing Plastic Tote Boxes for Long Distance Move
Replies: 5
Views: 487

Re: Securing Plastic Tote Boxes for Long Distance Move

Gorilla tape. Cheap duck tape falls Masking tape a mess Tie with cord or thin rope. Works. Clear packing tape marginal Painters tape....nope Electrician black tape... nope ***** “Rubbermaid Action Packer Boxes” The expensive stackable large thick plastic packing boxes with side latching handles are ...
by Sandtrap
Thu Apr 15, 2021 9:19 am
Forum: Investing - Theory, News & General
Topic: Market shift since december
Replies: 21
Views: 2070

Re: Market shift since december

As a computer geek, I’ve written my own software to recognize market trends. What I’m seeing, since December, since the new administration, is a significant market sector shift from Tech, Emerging Markets, and Large to Small, Mid Cap, and Financial. What is your opinion on this market shift, and do...
by Sandtrap
Thu Apr 15, 2021 9:13 am
Forum: Personal Consumer Issues
Topic: DIY recessed lighting installation?
Replies: 48
Views: 2489

Re: DIY recessed lighting installation?

Hire someone with experience. It's not rocket surgery, but they license electricians for a reason. To increase pricing power by artificially limiting supply? :sharebeer Like many trades and professions, electrical work comprises of some work that can be done by almost anybody with an 8th grade educ...
by Sandtrap
Thu Apr 15, 2021 8:27 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 188
Views: 19254

Re: Did you move for better weather? Did you regret it?

UHCOL Hawaii to L/MCOL Northern Arizona when retired. Beaches ——- Weather - Culture (diversity/food/lifestyle/etc) ———- Economics ++++ Finances ++++++ Congestion/Traffic/Density +++ Wide open quiet and vast peaceful spaces +++++ Country outdoor lifestyle and easy access to much of North America ++++...
by Sandtrap
Wed Apr 14, 2021 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest expenses in life
Replies: 50
Views: 4121

Re: Biggest expenses in life

A
Real estate
B
Real estate

j🌺
by Sandtrap
Wed Apr 14, 2021 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Power of a personal real estate offer letter
Replies: 77
Views: 4797

Re: Power of a personal real estate offer letter

The quickest and simplest transactions have involved:
All cash offer , above list if needed.
30 day close
No financial contingencies
Buyer (me) to handle the costs of all inspections.
Above in first morning or hour of the MLS listing.

This can work well.
No letter needed.

j🌺
by Sandtrap
Wed Apr 14, 2021 8:59 am
Forum: Personal Consumer Issues
Topic: Mouse Help
Replies: 14
Views: 1022

Re: Mouse Help

Steel wool (not fine but course mesh at all entry points. Caulking for small gaps)
or. . copper scrub pads if there's a possibility of moisture and rust.

Disposable wooden snap mice traps

Jiff Peanut Butter (Creamy) (9 out of 10 mice prefer this in an independent research study).

j :D
by Sandtrap
Wed Apr 14, 2021 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Parent's 3 unit property after move to nursing home
Replies: 3
Views: 430

Re: Parent's 3 unit property after move to nursing home

Seek legal counsel. If you are not interested in the being a landlord. . . and you are not sure if there will be a positive cashflow from doing so. . . then . . Sell.. . Especially if the proceeds will be helpful to care for parents. Seek legal counsel Especially if the properties are part of the es...
by Sandtrap
Wed Apr 14, 2021 8:51 am
Forum: Personal Consumer Issues
Topic: House Ventilation: Fresh Air
Replies: 5
Views: 707

Re: House Ventilation: Fresh Air

Open windows on all floors to cross flow ventilate as needed for: Burned toast and other burned foods. . . . Stinky colognes/scents from visitors, etc. Animal / Pet "accidents". . . . Painting or other outgassing from chemicals and work inside the house. . . Etc. For smoke smell from dista...
by Sandtrap
Wed Apr 14, 2021 8:47 am
Forum: Personal Consumer Issues
Topic: Summerizing Florida House
Replies: 12
Views: 1371

Re: Summerizing Florida House

Also:
Sticky roach and ant pads under the fridge, etc.
Dry goods that do not do well in humidity: in fridge/freezer, or zip lock bags.

j :D
by Sandtrap
Wed Apr 14, 2021 8:09 am
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 259
Views: 19389

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Saul Bellow
Seize The Day

Others
Literary classic short stories.
(American, Russian, Japanese, Spanish, etc)

Plays/shorts
Waiting for Godot

j🌺
by Sandtrap
Tue Apr 13, 2021 9:29 pm
Forum: Personal Consumer Issues
Topic: DIY recessed lighting installation?
Replies: 48
Views: 2489

Re: DIY recessed lighting installation?

I'm contemplating adding a few recessed lights by myself but I have zero experience in electrical work :happy. My attic is easy to access and those DIY youtube videos seem straightforward. It's definitely not rocket science but I just don't know if it can easily become a fire hazard if not done pro...