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Re: Hate where we live, do we make major changes?

My wife & I hate where we live (upper NY)….remain indoors for 7 months of the yr, are tired of being cold/snowblowing/etc, and summers are too short and unpredictable. I live in MA so I feel your pain. Coming off of one of the worst winters in record doesn't help either. I do have a question th...
by TRC
Sun Mar 29, 2015 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 84
Views: 5751

Re: Need Some Advice-Recovered from Great Recession

Congrats on getting your financial house in order! Sounds like you've come a long way since 2008. To answer your question about renting vs. buying, I think it depends on how much we're talking about for a condo purchase. In theory, owning is better than renting in the long run assuming values don't ...
by TRC
Wed Mar 25, 2015 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Some Advice-Recovered from Great Recession
Replies: 12
Views: 1650

Re: Where do I learn how much one SHOULD spend on a home?

What does your budget allow based on your current income after all other expenses? Ignore the "this is what you can afford rules". Look at your income and monthly expenses.
by TRC
Tue Mar 24, 2015 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5119

Re: Rental properties

We own 1 vacation rental (condo) at the beach. We rent it out for 8 weeks in July and Jaugustand just about break even. Way easier than long term rentals in my experience, since all the money is paid up front and they're only in there for a week. We also charge a lot ($3,300/week), so the price tend...
by TRC
Sun Mar 22, 2015 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental properties
Replies: 25
Views: 2899

Re: Recruiters asking for current compensation

Am I justified in continuing to withhold my current comp? Do I have anything to lose by doing this? I don't think you should withhold comp details. This is sort of a 101 question for job searching. I've had a bunch of recruiters call me and I tell them up front what I'm making and what I'd need to ...
by TRC
Thu Mar 19, 2015 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Recruiters asking for current compensation
Replies: 54
Views: 4704

Re: Help! Career Advice needed!

Tech sales (software). She could probably start out as an inside sales rep making 50-70k in year 1. Field sales takes more time, but base salary is usually 6 figures and on target earning are multiple six figures. It's a hard job, but very lucrative if done correctly.
by TRC
Wed Mar 18, 2015 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Career Advice needed!
Replies: 20
Views: 1962

Re: Rental property vs. REIT

One is a job. One is not.
by TRC
Wed Mar 18, 2015 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property vs. REIT
Replies: 38
Views: 3143

Re: how much mortgage would you be comfortable with?

I tend to be more conservative (as I've been laid off before), but I'd try to buy something you can afford on 1 salary in the event one of you is unable or does not wish to work. Are you planning to have kids?
by TRC
Wed Mar 18, 2015 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: how much mortgage would you be comfortable with?
Replies: 43
Views: 4292

Re: How Much To Negotiate Realtor Commission

At 5%, the selling agent will like take 50%, and then split that again by 50% wih his firm. So 2.5% is $12,500, divided in half for his firm, so he'll take home $6,000 before taxes.
by TRC
Mon Mar 16, 2015 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much To Negotiate Realtor Commission
Replies: 31
Views: 2728

Re: Rental Property

We bought a beach condo after we paid off our house back in 2010. We put down about 200K on it go keep the mortgage small and by renting it 8 weeks in the summer, we just about break even. The rental experience has been relatively easy, though we do it all ourselves in terms of advertising, lease ag...
by TRC
Sun Mar 15, 2015 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property
Replies: 22
Views: 1765

Re: Best Business Start-up?

A very low cost idea is a boutique recruiting firm (ie. job placement).
by TRC
Sat Mar 14, 2015 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Business Start-up?
Replies: 16
Views: 1174

Re: Not sure what to do with rental condo

Well, it doesn't sound like you're motivated to sell it based on your experience so far. But if you were looking to sell, you have the opportune time to do so. Money invested in index funds is not a job. Being a landlord is. You have great tenants and that can make or break your landlord experience....
by TRC
Sat Mar 14, 2015 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do with rental condo
Replies: 25
Views: 1652

Re: Where to retire in New England?

I live in MA but we have a vacation house in Maine just south of Portland. Portland is an amazing place.
by TRC
Wed Mar 11, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7525

Re: non-compete question

Hi Everyone, I work for a software company and am in field sales. I was required to sign a non-compete last year and I am looking to leave and potentially go to a competitor covering a completely different region. I'm currently selling in a completely different region (mid-west) and the new role wo...
by TRC
Tue Mar 10, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: non-compete question
Replies: 23
Views: 2077

non-compete question

Hi Everyone, I work for a software company and am in field sales. I was required to sign a non-compete last year and I am looking to leave and potentially go to a competitor covering a completely different region. I'm currently selling in a completely different region (mid-west) and the new role wou...
by TRC
Tue Mar 10, 2015 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: non-compete question
Replies: 23
Views: 2077

Mark Cuban "Tech Crash Coming" - do you agree?

[Thread merged into here, see below. --admin LadyGeek] Why This Tech Bubble is Worse Than the Tech Bubble of 2000 "If we thought it was stupid to invest in public internet websites that had no chance of succeeding back then, it’s worse today…. In the tech bubble it was Broadcast.com, AOL, Nets...
by TRC
Sat Mar 07, 2015 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Tech Stock Valuations--Mark Cuban's "Bubble"
Replies: 20
Views: 2246

Re: Is Wealthfront the best?

What are their fees and how do they compare to a low cost target date retirement fund from Vanguard, Fidelity or Schwab?

The latter is an easy answer to your problem.
by TRC
Fri Mar 06, 2015 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Wealthfront the best?
Replies: 28
Views: 2511

Re: If you have $1 million...

We pay cash for our cars. My Wife's Odyssey is almost 6 years old with 90K miles on it. The kids trash it…it's like a rolling bedroom / playroom / kitchen, but we love it. I think we'll keep it to 150K - 200K miles assuming it doesn't give us problems. A nice detailing once or twice a year gives us ...
by TRC
Thu Mar 05, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6252

Re: Riding Snoblower

Ralph - I have a diesel tractor with a shaft driven sniwblower attachment with a heated hardside cab and it is an amazing machine. That being said, 2-3k won't get you anything good in the new category. My blower attachment alone retails for $2,500. Used will be a stretch too. Stay away fr the big bo...
by TRC
Tue Mar 03, 2015 6:18 am
 
Forum: Personal Consumer Issues
Topic: Riding Snoblower
Replies: 13
Views: 1251

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: 15
Views: 1287

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: 1852

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: 7170

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: 3380

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: 3380

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: 6361

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: 10551

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: 2853

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: 4790

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: 4546

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: 724

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: 3380

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: 3248

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: 3380

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: 5277

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: 1043

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: 1441

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: 1043

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: 5542

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: 5449

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: 806

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: 1076

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: 806

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: 8979

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: 18235

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: 4528

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: 4941

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: 5033

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: 704

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: 985
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