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Re: Partials vs implants

If you don't go with an implant, your bone will "resorb" (ie. shrink) and jeopardize the adjacent teeth. An implant tricks your body into thinking there's a real tooth there and will prevent the bone from shrinking.
by TRC
Sat Apr 12, 2014 6:31 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2455

Re: I'm 18 and very eager to start investing in stocks. Advi

If you could invest $5,500 per year in a Roth IRA starting this year, you will light years ahead of your peers when you reach retirement.
by TRC
Sun Mar 30, 2014 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm 18 and very eager to start investing in stocks. Advice?
Replies: 42
Views: 2396

Re: those with basements

Fished our last basement in MA and we did insulate it. We just installed inexpensive baseboard heaters since it was an infrequently used areas. Most of the time in the winter, it was 60 degrees down there without the heat on.
by TRC
Sat Mar 29, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: those with basements
Replies: 17
Views: 1975

Re: Just getting started at 38, advice please

It's never too late! Run, don't walk away from that financial advisor! On top of those outrageous fees, they'll place you in crappy finds that underperform the market. My initial thought is that your emergency fund seems more than enough. Rule of him is usually 6-12 months of living expenses....seem...
by TRC
Sat Mar 29, 2014 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Just getting started at 38, advice please
Replies: 19
Views: 2741

Re: Do you have hardwood or tile in your kitchen?

runner9 wrote:We have linoleum. Are you asking which is better, or what people have? There are certainly more options that people have.


I'm simply asking "Do you have hardwood or tile in your kitchen?" :D
by TRC
Fri Mar 28, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3070

Do you have hardwood or tile in your kitchen?

Debating to redo our first level and my wife is set on having hardwoods in our kitchen. I'm worried about spills and water. I know it looks beautiful, but wondering how practical it is to have hardwoods in the kitchen. Curious what my fellow bogleheads have?
by TRC
Fri Mar 28, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3070

Re: Buying first home in SF - gut check

My wife and I are considering purchasing our first home in San Francisco. A little bit about us: Age: Both 28 Jobs: stable Income: ~$430k with vesting RSUs. If you consider salary only then ~$230k Portfolio: $2.5M (mostly diversified index funds but a small amount of that is vested company stock th...
by TRC
Wed Mar 26, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 87
Views: 7027

Re: our renters want to buy our rent house

Thanks for the replies. As to if we want to sell it we don't really care either way. We are not actively trying to sell it but everything is for sale at the right price. We bought this particular house from a distressed seller for cash and got it for approx 25k below market so if we sold it we coul...
by TRC
Tue Mar 25, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: our renters want to buy our rent house
Replies: 20
Views: 2453

Re: Should I drop my whole life policy?

dtauer wrote:- 33 years old, single, no dependents


You don't need life insurance at this time in your life.

I'd get out and buy insurance when you need it.
by TRC
Mon Mar 24, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I drop my whole life policy?
Replies: 15
Views: 1152

Re: Car buying experience. Do I have a case to sue the deal

Can you return it? Check your Lemon Law for your state: http://www.carlemon.com/lemons.html
by TRC
Mon Mar 24, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Car buying experience. Do I have a case to sue the dealer?
Replies: 40
Views: 4403

Re: First time poster: Question to assist my Son with inves

Sounds like your Son is having a great adventure. I wish I did something like that when I was his age. He's very smart to start investing now, as time & consistency are key for a successful investing plan. With that being said, I'd go with the following: - Open up a taxable investment account at...
by TRC
Fri Mar 21, 2014 7:01 am
 
Forum: Investing - Help with Personal Investments
Topic: First time poster: Question to assist my Son with investing
Replies: 8
Views: 960

Re: Monthly non retirement savings (Poll)

Zero. I have my 6 months emergency fund. Everything else extra goes to my taxable investment account (after maxing out 401k and back door Roth). We have no major expenses on the horizon though.
by TRC
Wed Mar 19, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Monthly non retirement savings (Poll)
Replies: 12
Views: 1129

Re: Your thoughts on vacation home or second home

I like to watch HGTV house hunters and sometimes I get jealous of the people that spent ton of money on a vacation home. If you have the cash, says 200K, would you spend it on a vacation home? My husband doesn’t like the idea of a vacation home. Because he doesn’t want to go to there every year, an...
by TRC
Tue Mar 18, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3594

Re: Do you love your job? What do you do?

I sell software. When I land a big deal, it feels great. When I lose or am in a slump, it's down right depressing. That being said, I'm a competitive guy and generally like what I do.
by TRC
Sun Mar 16, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10071

Re: House flipping investing - Am I wrong or what? Please ad

I wouldn't rule it out. I flipped a few houses with a buddy back before the market collapse. Working with Banks is a total pain and most investors look for private money (ie. "hard money lenders"). If you know the people personally and you can see the property you'd be investing in, 6K is ...
by TRC
Sun Mar 16, 2014 7:23 am
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 21
Views: 2327

Re: non-compete

Is there severance money? They've attached it to my comp plan for future commissions. My attorney is a bit of a stickler and in the past they say "if you don't sign your comp plans, you don't get paid commissions this month". This year is different though, as this is the first time they'v...
by TRC
Wed Mar 12, 2014 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: non-compete [Employer NDA and Non-Compete agreements]
Replies: 35
Views: 1560

Re: non-compete

Is there severance money? They've attached it to my comp plan for future commissions. My attorney is a bit of a stickler and in the past they say "if you don't sign your comp plans, you don't get paid commissions this month". This year is different though, as this is the first time they'v...
by TRC
Tue Mar 11, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: non-compete [Employer NDA and Non-Compete agreements]
Replies: 35
Views: 1560

non-compete [Employer NDA and Non-Compete agreements]

I've been with the same employer for nearly 14 years and am now being asked to sign an NDA & Non-Compete as part of this year's compensation plan (I'm in sales). Not sure if anyone out there has experience with non-competes, but I have a couple questions: 1) Can an employer force you to sign a n...
by TRC
Tue Mar 11, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: non-compete [Employer NDA and Non-Compete agreements]
Replies: 35
Views: 1560

Re: Money issues - people take me for granted

Why do people know you have "money" in the first place?
by TRC
Sun Mar 09, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money issues - people take me for granted
Replies: 74
Views: 4910

Re: 2013/2014 Honda accord - any better values?

Wow, I am saving to buy a new car soon. I was nailed down to the Acura TL AWD, but all this talk of the V-6 VCM engine scares me a lot. Apples & Oranges. I have a TL AWD and it's awesome. You pay for it, but AWD, honda reliability, 300HP and creature comforts are well worth the added price if t...
by TRC
Sat Mar 08, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 10637

Re: Used $35k Porsche on $64k income?

Bad idea. Focus on driving up your net worth.
by TRC
Tue Mar 04, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6385

Re: What was your dumbest financial decision?

Buying a multifamily thinking I wanted to be a landlord.
by TRC
Mon Mar 03, 2014 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8335

Re: What to say to Non-Savers

Deep down inside, they probably know they're wrong. I wouldn't debate. Just smile and change the subject.
by TRC
Mon Mar 03, 2014 7:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5175

Re: Paying off the mortgage. Kind of.

I would just pay it off if you have the funds and assuming you're retirement nest egg is where it needs to be.
by TRC
Sat Mar 01, 2014 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying off the mortgage. Kind of.
Replies: 29
Views: 2782

Re: FOUR years till oldest child begins college -

How much do you have saved for retirement, what do you plan on contributing to retirement moving forward, how many more years will you work, and how much do you need to retire? Those are questions that need to be answered first. Kids can take out loans for school. You can't take out loans for retire...
by TRC
Fri Feb 28, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: FOUR years till oldest child begins college -
Replies: 31
Views: 2028

Re: Advice needed on problem neighbors

Sorry for your situation. I was in a bad neighbor situation a few years ago so I know the feeling. My advice is: 1) wait and see if the problem actually becomes a problem. 2) introduce yourself and befriend the neighbors. If they like you, they'll be more likely to respect you as a neighbor. 3) if t...
by TRC
Fri Feb 28, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Advice needed on problem neighbors
Replies: 30
Views: 3134

Re: Thinking about Amica Insurance

We've been long time Amica customers and have to file two claims (car wreck and break in). They've been wonderful to deal with when you "need them most".
by TRC
Thu Feb 27, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking about Amica Insurance
Replies: 10
Views: 766

Re: what's your number?? (for married couples)

I'm currently 36. I'm shooting 3-5M. Hopefully more if the market permits.
by TRC
Thu Feb 27, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: what's your number?? (for married couples)
Replies: 70
Views: 6110

Re: Filling in a backyard pool/input wanted on cost-benefit

Some food for thought, but If you anticipate on having grand kids, a pool is a great draw to come to your house. My in-laws are in a similar situation and they don't use their pool that much, but all the grandkids LOVE going to their house to use it in the summer. Also, we're in the dead of winter r...
by TRC
Thu Feb 27, 2014 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Filling in a backyard pool/input wanted on cost-benefit
Replies: 22
Views: 1533

Re: Money or Fulfillment [quit unsatisfactory job]?

As my old boss told me "run to something, not from something".
by TRC
Wed Feb 26, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Money or Fulfillment [quit unsatisfactory job]?
Replies: 20
Views: 1502

Re: Wells Fargo Advisors Fees

Look into fidelity too. They now deal with small company portfolios.
by TRC
Tue Feb 18, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo Advisors Fees
Replies: 9
Views: 1001

Re: Nice couches are pricey, where I can get them for less?

If you want stuff that's built to last, I'd honestly look into your local Mom & Pop furniture making companies that do custom stuff from scratch. Look for stuff that's made the old fashioned way, by hand.
by TRC
Mon Feb 17, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 3097

Re: What to do with rental properties in Hawaii?

You're cash flowing $250 a month on a best case scenario (assumes no repairs and no vacancies). Real world = never a best case scenario. This is an absolute no brainer if you're moving out of state. SELL.
by TRC
Sun Feb 16, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with rental properties in Hawaii?
Replies: 7
Views: 1024

Re: Should I become sole provider for fiance?

Wait till you're married. If you want to help out, offer to pay for some or all of the wedding.
by TRC
Sun Feb 16, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 5996

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

Happy Wife Happy Life is right. You should listen to her and move to a place you BOTH like.

1 piece of advice I'd give you is if & when you move, keep kids in mind. Schools, neighborhood, traffice, etc. You tend to look at houses very differently once you start thinking about kids.
by TRC
Sat Feb 15, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2262

Re: Real Estate - Condos and HOA fees

Do you attend the HOA meetings? I'd volunteer to get actively involved and offer to help out.
by TRC
Wed Feb 12, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate - Condos and HOA fees
Replies: 13
Views: 1672

Re: My kids want a treehouse -

"Excuse me, little Billy - please sign this waiver". LOL. Can't believe all the Debbie Downer comments about liability, zoning questions, etc. Common people, it's a tree house! Build a treehouse that's solid and let your son/daughter expand it. I spend many a hours up in a tree as a kid wi...
by TRC
Mon Feb 10, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: My kids want a treehouse -
Replies: 36
Views: 2533

Re: vacation to Disneyworld

We just went in January with my parents, wife and 2 kids (ages 3 & 6). You'll get a ton of suggestions, but the most important ones I'd suggest are: - Don't do a park every day. It's exhausting. Every other day is nice with a down-day in between for pool & relaxing. - Get to the park for rop...
by TRC
Mon Feb 10, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: vacation to Disneyworld
Replies: 23
Views: 1790

Re: Drive to CO Skiing in 2WD Minivan?

We have a 2WD Odyssey with Blizzaks that performs better in snow than our 4runner in 4WD with stock tires.

Snow tires make a world of difference.
by TRC
Sun Feb 09, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Drive to CO Skiing in 2WD Minivan?
Replies: 29
Views: 1867

Re: Your mortgage type, if any [POLL]

Just paid it off last week!

Prior to that, we had a 15 year at 3%. Put more than 75% down payment and paid it off completely in 1.5 years.
by TRC
Sun Feb 09, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 3497

Re: A $1000 lesson on how manipulative salespeople can be?

...some of the stuff I had agreed to buy earlier...! Sorry this happened. You must have wanted to buy the merchandise if you eventually handed them your credit card and completed the transaction? Next time if you don't want to purchase something, just say "no thank you" and walk out of th...
by TRC
Sun Feb 09, 2014 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: A $1000 lesson on how manipulative salespeople can be?
Replies: 70
Views: 7956

Strapping down furniture

Just wondering how many bogleheads strap their furniture down so there's no risk of it tipping over and injuring / killing a child? A small boy passed away in my community this week at school due a TV landing on him. Just watched a sad story about a mother who lost her 3 year old due to her daughter...
by TRC
Sat Feb 08, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: Strapping down furniture
Replies: 5
Views: 759

Re: Rent Out Condo or Sell It

Being a Landlord is a job, but a condo should be easy. Getting a quality tenant is key though. You (nor the tenant) have to worry about anything outside, correct? My in-laws have been renting a condo to the same tenants for 10+ years. It's paid for now and is very profitable for them.
by TRC
Fri Feb 07, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Rent Out Condo or Sell It
Replies: 43
Views: 3018

Re: Real Estate Investment Return vs Market Return

The difference is that real estate ownership = work. It's a job. It requires maintenance, upkeep, repairs, insurance, liability, risk of lawsuit, etc. Owning index funds = no work and historically, higher returns. Personally I own 2 properties (primary and a vacation rental). Since purchasing my va...
by TRC
Thu Feb 06, 2014 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Real Estate Investment Return vs Market Return
Replies: 42
Views: 3017

Re: Real Estate Investment Return vs Market Return

The difference is that real estate ownership = work. It's a job. It requires maintenance, upkeep, repairs, insurance, liability, risk of lawsuit, etc. Owning index funds = no work and historically, higher returns. Personally I own 2 properties (primary and a vacation rental). Since purchasing my va...
by TRC
Thu Feb 06, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Real Estate Investment Return vs Market Return
Replies: 42
Views: 3017

Re: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation

Hi, You've also posted similar threads, but for different models: - $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified. - $27K Sienna XLE 2011 Miles 43K AWD Rather than say "Please comment.", can you instead please describe what you are looking for? It's not productive to car hunt in this...
by TRC
Thu Feb 06, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation
Replies: 9
Views: 985

Re: $25K Budget for a Fun Car

2008 BMW 335i with sport package in manual.
by TRC
Thu Feb 06, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 50
Views: 4348

Re: Advice on first time selling a home (condo)

1. Usually word of mouth is best. Do you know people that have sold who have had good experiences? You should put together a list of qualifying / interview questions to understand how they will calculate market value, how they will market it, what it will cost you, how many days on market it's expec...
by TRC
Thu Feb 06, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on first time selling a home (condo)
Replies: 6
Views: 821

Re: Real Estate Investment Return vs Market Return

The difference is that real estate ownership = work. It's a job. It requires maintenance, upkeep, repairs, insurance, liability, risk of lawsuit, etc. Owning index funds = no work and historically, higher returns. Personally I own 2 properties (primary and a vacation rental). Since purchasing my vac...
by TRC
Thu Feb 06, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Real Estate Investment Return vs Market Return
Replies: 42
Views: 3017

Re: Winter coats:

Personally, I buy winter coats from LLBean for primarily one reason. They show clearly on their website what temperatures a coat is designed for; no one else I've found does this. A coat can LOOK warm, but the last thing I want is to find it's really not on the coldest day of the year. These temper...
by TRC
Wed Feb 05, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 3717
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