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Re: Commission sales or salary?

Have him compare the two comp plans.
How many cars can he realistically expect to sell at both places and factor what the final earnings potential is. With the place that's offering him a good base, is the product as hot and easy to sell?
by TRC
Wed Feb 25, 2015 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Commission sales or salary?
Replies: 14
Views: 910

Re: Should I raise my tenants rent?

Speaking from experience, it's not worth it. A vacancy or bad tenant will more than eat up any extra money you might get from raising the rent.
by TRC
Mon Feb 16, 2015 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1760

Re: Tenants won't let us show the rental: what do we do?

get them out ASAP. They are likely hiding something (dirty, damage, etc.).
by TRC
Sat Feb 14, 2015 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 6920

Re: Scottsdale, AZ - what to do?

The weather was awesome. Cool at night but a scorcher during the day. I had to get myself out of the sun several times while near the pool. This quote really made me laugh; don't vist in the summer!!! Glad you enjoyed your trip! I bet! The sun is different out there for sure. I'm used to hot days h...
by TRC
Wed Feb 11, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3323

Re: Scottsdale, AZ - what to do?

OP, what did you and your significant other do during your trip to Scottsdale? Actually on a flight right now back to snowy boston! Our trip got extended an extra days due to the snow storm (on my company's dime!). We ended up eating at 3 really good restaurants for dinner: Cafe Monarch in Scottsda...
by TRC
Tue Feb 10, 2015 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3323

Re: Too many houses?

I own four houses... My question is this: should I sell something? If so, why and what? Since this is mainly an index based investing forum, you're likely going to get biased answers that say you should sell and be more in the stock market. I'm in a similar boat, thought we don't own as many houses...
by TRC
Thu Feb 05, 2015 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 37
Views: 6345

Re: How to respond when someone asks how much money you make

Just laugh it off and say "not nearly enough!".
by TRC
Thu Feb 05, 2015 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10320

Re: Perspectives on house with a pool

You're going to get two camps - those who love pools and those who think they are dangerous and a hassle. I live in a 4 season area (MA) and we installed a pool last year (cost more thank 100K). We absolutely love it and our kids & friends use it every day it's warm. Our season starts in June an...
by TRC
Wed Feb 04, 2015 9:05 am
 
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 34
Views: 2801

Re: What age did you become financially independent of paren

22, when I moved in with my girlfriend (now wife).
by TRC
Mon Feb 02, 2015 8:24 am
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4634

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

Mrxyz wrote:…. they are flipping houses at a rate of 1 / month approximately.


At this rate, this should be RAKING IN PROFITS. Why do they need your money? If it sounds too good to be true, it usually is.
by TRC
Sat Jan 31, 2015 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 30
Views: 4492

Re: Book recommendations for a new investor and father.

The first book that got my juices flowing was "automatic millionaire" by David Bach.
by TRC
Fri Jan 30, 2015 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Book recommendations for a new investor and father.
Replies: 8
Views: 703

Re: Scottsdale, AZ - what to do?

Thank you all for the suggestions! Very helpful.
by TRC
Thu Jan 29, 2015 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3323

Re: Bringing up 529s to the grandparents

When you become a grandparent, would you like your child's spouse to tell you what you can and cannot buy for your grandchild? I'd be thankful they are so generous to your kids.
by TRC
Thu Jan 29, 2015 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 3192

Scottsdale, AZ - what to do?

Hi Everyone,

My wife and I will be visiting Scottsdale, AZ next week (after the superbowl). We're staying at the JW Marriot with no real plans (company reward trip). We are both in our late 30s and will have a rental car. Any suggestions on what to do while we're there?

Thanks,
TRC
by TRC
Thu Jan 29, 2015 10:47 am
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3323

Re: What age did you move out?

At age 22. Spent 1 year after college living with my parents to save money and pay off student loans. Why did I move out? I couldn't stand living with my parents anymore!
by TRC
Thu Jan 29, 2015 8:00 am
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5074

Re: Perplexed by Oil Heating Issue

I wouldn't give up on the HVAC guy yet. Who actually replaced the thermostat? What brand/model? Is that the correct one for your system? Can you swap thermostats? May help determine if it's wiring/connectors or problem with thermostats. Also, you can bypass the thermostat by connecting the wiring d...
by TRC
Tue Jan 27, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Perplexed by Oil Heating Issue
Replies: 8
Views: 1016

Re: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/

You should check the Volvo forums on Edmunds.com
by TRC
Tue Jan 27, 2015 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/Blis
Replies: 13
Views: 1406

Perplexed by Oil Heating Issue

We have a house with two zones of heat (upstairs & downstairs) that is fired by an oil burning furnace with forced hot air. Our upstairs zone works fine, but our downstairs zone is not working consistently. In a very sporadic pattern, the heat stops…essentially the thermostat is not calling for ...
by TRC
Tue Jan 27, 2015 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Perplexed by Oil Heating Issue
Replies: 8
Views: 1016

Re: 400ft Driveway - How do I plow the snow?

Invest in a good quality garden tractor with a snowblower. This is what I use! http://i.ytimg.com/vi/pC3DUUcPt8M/maxresdefault.jpg
by TRC
Mon Jan 26, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 5308

Re: Hardwood flooring - lumber liquidators

DON'T WALK, RUN!!! 2 years ago we bought nearly 1,500 sq feet of bella wood "brazillian koa". Beautiful in the showroom, terrible once installed. The milling of the wood is absolutely terrible. Tons of inconsistencies and we have gaps bigger than the width of a quarter all over the place....
by TRC
Sun Jan 25, 2015 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Hardwood flooring - lumber liquidators
Replies: 17
Views: 5359

Re: First time vacation home - mortgage or purchase with cas

Thanks for all the responses. For the ones against the purchase, this is a resort that I have been going to over the past 7 years or so and staying with friends. I like the mountain, the town, skiing etc. I've been going 3 weekends a year and would go more if I owned a place. Does that change the s...
by TRC
Tue Jan 20, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time vacation home - mortgage or purchase with cash?
Replies: 10
Views: 790

Re: downhill ski boots question

I'd look into seasonal rentals from your local ski shop. Likely better quality and less abused than what you'll find at a resort. 3-6 times a season isn't enough to buy new while the kids are rapidly growing IMO.
by TRC
Tue Jan 20, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: downhill ski boots question
Replies: 17
Views: 1053

Re: First time vacation home - mortgage or purchase with cas

From one vacation home owner to another potential owner, can I offer you a piece of unsolicited advice?....rent for a season before you buy.
by TRC
Tue Jan 20, 2015 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: First time vacation home - mortgage or purchase with cash?
Replies: 10
Views: 790

Re: Bumped out of first class at boarding - compensation?

Did you pay for 1st class tickets or were these seat upgrades due to status? I think your course of action makes a difference depending upon how you were given these seats.
by TRC
Mon Jan 19, 2015 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 61
Views: 8822

Re: What do you drive, and why?

2014 acura tl shawd.
Why?
Fast, all wheel drive, roomy, reliable, sexy
by TRC
Mon Jan 05, 2015 7:32 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17727

Re: Finance My Son's Law School

How is your retirement nest egg? Are you on track to hit your #? Are you already there? Are you behind? Those would be my biggest questions on determining whether or not to continue to pay for your son's education IMO - you'v done your duty buy paying for undergrad. I'd have your son put some skin i...
by TRC
Sun Jan 04, 2015 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Financ[ing] My Son's Law School
Replies: 65
Views: 4488

Re: Test drive new vehicle without sales pressure?

Sure, tell the sales rep, "I want to test drive without the sales pressure." See what happens. In 2006, a Subaru dealer let my spouse take the car home for an extended test drive of a few days. We did not buy the car. Recently, I did a test drive and the rep was just like having a friend ...
by TRC
Sat Jan 03, 2015 8:40 am
 
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 4737

Re: Bonus how much do you spend vs save?

After finding this site a year ago I've started saving over 40% of my base salary and 100% of my bonuses. I have a 6 m EF, maxing out 401K, HSA, IRA and have set up Vanguard accounts to put the extra $ in. I work in business development and have had an amazing year. My last Q bonus after tax in the...
by TRC
Fri Dec 26, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Bonus how much do you spend vs save?
Replies: 50
Views: 4946

Roth IRA - stocks or bonds?

Let's assume you have room within your investments and asset allocation to have either stocks or bonds in your Roth. Since this money grows tax free and can be withdrawn tax free, would stocks not be the answer due to the higher projected growth? I ask this question because I need to rebalance and i...
by TRC
Thu Dec 25, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - stocks or bonds?
Replies: 3
Views: 697

Re: Recommendations for Pellet Stove, 40,000 BTU Output

We installed a Harmen Accentra Insert about 2 years ago and love it! The fan is much quieter than the previous model and it looks beautiful. We opted for the gloss brown color and we get lots of complements on it.
by TRC
Wed Dec 24, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Recommendations for Pellet Stove, 40,000 BTU Output
Replies: 4
Views: 968

Re: Who should pay for this meal?

[quote="anonforthis"]For 7 people, I'm thinking the bill will be about $300-$400. quote]

$400 / 7 people = $57 per person.

"Since we had some drinks, why don't we include an extra $....here's $150. Do you think it's enough?
by TRC
Mon Dec 22, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 8031

Re: Helping out family members

What caused their financial issues? Loss of job or financial irresponsibility?

Normally people with money problems will always have money problems.

Money + Family can be a dicey situation.
by TRC
Thu Dec 18, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4815

Re: WHY is retirement enjoyable / something to look forward

Not that I'm retired yet, but my desire for retirement is simple:

To do what I want, when I want, and not having to worry about answering to someone else.
by TRC
Wed Dec 17, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20290

Re: I'm an Irrational Bond Chicken Little

What's your time horizon and how long have you been investing? I think a much bigger and more rational fear is your entire portfolio dropping significantly during the next down-turn and you having no money to pull from bonds that are on the sideline to buy equities when they go on sale. Personally I...
by TRC
Sun Dec 14, 2014 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm an Irrational Bond Chicken Little
Replies: 32
Views: 3014

Re: What is the best meal you've had at a restaurant?

Marmalade in San Juan, PR.
by TRC
Wed Dec 10, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 7090

Re: responding to HR question about salary target

Just like you posted, I would politely tell them this is on the lower range and not enough for you to make a move. For the "right candidate", ask them if this is negotiable and if it is, proceed with the interview process. They could be lowballing you. Stand firm on what you need.
by TRC
Tue Dec 09, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: responding to HR question about salary target
Replies: 9
Views: 1182

Re: Instruments and kids

When did your kids start playing instruments, how old were they and what instrument did they start with? Anything you'd do differently? Thanks! TRC Listen to your children. Expose them to lots of music. They will let you know when they want to start and what they want to play. Let them pursue their...
by TRC
Tue Dec 09, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 1962

Re: High(ish) earner; spending too much?

The real problem is budgeting for the $50K vacations after your high earning days are up. Are you going to just cold turkey separate yourself your current globe trotting social crowd? Might be worth it to slide half-half out of that world to broaden your activities to develop a backup plan. +1. I'm...
by TRC
Tue Dec 09, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 71
Views: 9259

Re: Do you celebrate financial milestones?

I hope to make the 2 comma club in our retirement portfolio in 2015. If we do, this will be the only place I tell anyone and we'll probably go out for a nice dinner!
by TRC
Mon Dec 08, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 117
Views: 14385

Instruments and kids

When did your kids start playing instruments, how old were they and what instrument did they start with?

Anything you'd do differently?

Thanks!
TRC
by TRC
Sat Dec 06, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 1962

Re: Review a 26 year old's portfolio

Simplify it. You have way too many investments and too much money in individual stocks.
by TRC
Thu Dec 04, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Review a 26 year old's portfolio - Update 2
Replies: 42
Views: 5013

Re: Youngster talented in science and math

Maybe subscribe him to some campus life magazines from top tier math / science schools?
by TRC
Thu Dec 04, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Youngster talented in science and math
Replies: 47
Views: 3431

Re: Rental Real Estate vs. Stocks and Bonds

Here's an anectdotal experience (results vary). In 2010, we bought a vacation house / rental property for $405K. We put down 150K and then refinanced it 2 years later bringing 50K to the table so the loan was just under 200K for a 15 year note. We rent it during the summer and use it when it's not r...
by TRC
Wed Dec 03, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental Real Estate vs. Stocks and Bonds
Replies: 71
Views: 8347

Re: Downhill Skis

I am looking for some used downhill skis. I heard there is some new rocker technology that is supposed to make turning a lot easier. Anything else to look for brand wise or new technology? I am 6'2" 220 lbs so I have been looking for 180cm+ skis, but I have noticed that skis seem to be getting...
by TRC
Wed Dec 03, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Downhill Skis
Replies: 10
Views: 1313

Re: Would you move/stay for better school district?

Can you move, but keep your kid in the same school? This is known as "school choice" in MA. But to answer your question, I dont think it's critical to be in the best school.
by TRC
Tue Dec 02, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 4808

Re: First rental property question

My mother-in-law just turned 50 and I'm quite confident she would stay there for the length of the mortgage (i'm not counting on that though). From my experience, it ALWAYS looks easier on paper than in pratice. An issue I see with your logic is that you're approaching this by saying "we have ...
by TRC
Mon Dec 01, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: First rental property question
Replies: 14
Views: 1488

Re: Landlord wants us to sign an entirely new contract!

What are the issues with the new agreement. Are there any terms that you have a problem with?
by TRC
Fri Nov 14, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 10474

Re: Consider freezing your credit

Thank you for the reminder and sorry to hear about your experience! I'm planning to freeze my kids credit too (ages 4 and 7).
by TRC
Thu Nov 13, 2014 7:28 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5237

Re: Best budgeting tool given my account situation?

YNAB. We tried spreadsheets, envelops, and even just writing down our transactions in a note pad. YNAB far and away is the best. And it's free for 34 days to try, so you have nothing to lose by trying it first. Make sure you watch the training videos. One of the best features is the mobile app, allo...
by TRC
Sun Nov 09, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Best budgeting tool given my account situation?
Replies: 7
Views: 1205
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