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Re: Debating whether to keep current vehicle or purchase ano

Drive it till the repairs start to get cost prohibitive. It's worth very little, so each additional year you can drive it is gravy considering it likely won't depreciate that much more. Snow tires make a world of difference if you're concerned about winter travel. Also, have a good mechnanic check i...
by TRC
Thu Aug 28, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 34
Views: 1367

Re: Young, Ambitious and Relatively Clueless

Even though your company doesn't match, fund your 401K first. It will reduce your taxable income and provide you with tax free growth. Then if you have money left over fund a Roth IRA. Once you've maxed out your 401K and Roth IRA, then move onto a Taxable Account with Vanguard, Fidelity or Schwab. B...
by TRC
Wed Aug 27, 2014 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Ambitious and Relatively Clueless
Replies: 13
Views: 1340

Re: Study: poor 5-yr U.S. returns -- overweight foreign?

This article is a great example of noise. Ignore it and stay the course!
by TRC
Wed Aug 27, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Study: poor 5-yr U.S. returns -- overweight foreign?
Replies: 47
Views: 3075

Re: Paying mortgage down or invest instead?

How much do you have in total retirement assets?

How much is left on the mortgage?
by TRC
Wed Aug 27, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down or invest instead?
Replies: 8
Views: 902

Re: Mortgages and financial freedom

Your subject has words that are part of my logic for doing it. No mortgage is one step closer to true financial freedom. Minimizing expenses is my main goal. I didn't want to be strapped to a $3,000 a month payment like many of my friends are. In fact just tonight my wife in I were in our backyard a...
by TRC
Mon Aug 25, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6394

Re: Agreement Regarding Vacation Property

Spectec - why not buy the property without your friends? They can always stay with you, without the financial ties of joint ownership. No matter how friendly you are with this couple, the list of potential issues are endless.
by TRC
Mon Aug 25, 2014 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Agreement Regarding Vacation Property
Replies: 21
Views: 1466

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

I really liked the new Avalon until I rented one the other day for work. Big like a boat. Numb driving, torque steers when you punch it. Just wasn't for me.
by TRC
Fri Aug 22, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 3845

Re: 2015 Volvo XC-60 vs. Acura RDX

Acura wins hands down if you care most about long term reliability and lower cost of repairs.
by TRC
Thu Aug 21, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 14
Views: 851

Re: Questions about fertilizing and seeding lawn

Green Nut wrote: Core aeration, or any breaking of the soil surface will most definitely bring to life dormant weed seeds that lay beneath the surface.


Core aeration is a tried & tested approach here in the North East. People usually do it in September once the weed season growing is over.
by TRC
Thu Aug 21, 2014 7:16 am
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1521

Re: Girls gymnastics: what to expect

We're in a similar situation with our 7 year old son. He's by far the best in his class, which is comprised mainly of 4th and 5th graders (he's going into 2nd). They asked him to be on a "special team" that practiced 2 hours a week instead of 1. We tried it, but the team was bigger in size...
by TRC
Mon Aug 18, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2341

Re: Cost of an above ground pool, land prep and maintenance

I really would not do this until the kid is old enough to know how to swim. Just too dangerous, to the surrounding kids as well. An above ground is pretty fool proof to keep toddler out of. Google child dies in above ground pool and spend your afternoon reading one news story after another. A more ...
by TRC
Sun Aug 17, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1152

Re: Cost of an above ground pool, land prep and maintenance

dolphinsaremammals wrote:I really would not do this until the kid is old enough to know how to swim. Just too dangerous, to the surrounding kids as well.


An above ground is pretty fool proof to keep toddler out of.
by TRC
Sun Aug 17, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1152

Re: Strategic Default

Here are some sort-of random things he may want to think about: First, IMO "strategic default" is just a way to pretend that defaulting on your promise to pay a debt is somehow OK if you call it something else. It doesn't relieve you of the legal (or moral) responsibility to pay people wh...
by TRC
Sat Aug 16, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3060

Re: Removed Deck, New Patio, exposed ugly foundation - how t

It's going to get wet, so you want to weatherproof it so that your foundation does not further deteroriate. I would put a white Azek board on it (ie. kick-plate). Azek is basically white plastic that's designed to look like wood. You could either glue it or attach it with some cement nails.
by TRC
Thu Aug 14, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Removed Deck, New Patio, exposed ugly foundation - how to ma
Replies: 7
Views: 503

Re: Taxable account strategy for young investors

Welcome!

For your taxable funds, have you thought about using a a total US and total international index fund instead? Healthcare and technology is giving you only a small slice of exposure that's likely going to lag the market over the long term.
by TRC
Thu Aug 14, 2014 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account strategy for young investors
Replies: 7
Views: 883

Re: Convince me I can make a dumb (car-related) purchase

We currently live in "medium" cost of living major city, but the home purchase will likely be in another "medium" cost of living city. Kids are not being considered at this time. Are you planning to purchase a house and and your planning to have kids? House = $$$ Kids = $$$$$$$$...
by TRC
Wed Aug 13, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4242

Re: I-bonds have doubled !!! thanx mel/taylor

This is a great thread for all those "what do you think of a 100% stock allocation" questions.
by TRC
Wed Aug 13, 2014 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds have doubled !!! thanx mel/taylor
Replies: 26
Views: 4390

Re: Best websites to buy quality meat for grilling?

I'd suggesting buying "grass fed" vs. "grain fed" beef. Here's why: http://www.bulletproofexec.com/grass-fed-meat-part-1/

You can usually find grass fed beef at local farms.
by TRC
Tue Aug 12, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Best websites to buy quality meat for grilling?
Replies: 22
Views: 2674

Re: Robin Williams

Shocking and totally sad. I loved him in Good Will Hunting.
by TRC
Mon Aug 11, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4629

Re: Minivan time! Opinions on 2013 Town & Country, Please

Honda Odyssey Owner here (5 years now). I've rented a Town & Country a few times in Orlando and I can sum it up the driving experience like this: - Chrysler Town & Country drives like a Bus. - Honda Odyssey drives like a car. The Consumer Reviews of the 2013 Chrysler T&C aren't stellar: ...
by TRC
Mon Aug 11, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 1996

Re: Who or what inspired you and your investing approach?

I sort of have a case of Rich Dad / Poor Dad. My Dad likes to spend (a lot), but my father in law likes to save (a lot). We do both.
by TRC
Sun Aug 10, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4303

Re: Best Garden Composter

Don't over think it. Stuff will compost with no "device". If you have the space, you could just start a small pile in your yard of grass clippings, dead leaves and food scraps (no meat or dairy). I ended up building a "bin" of sorts out of wood, but it's just a fenced in area to ...
by TRC
Sun Aug 10, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: Best Garden Composter
Replies: 19
Views: 1220

Re: Which 4 door with 250+ hp

I like the WRX too, but for me (I'm 36 with kids), it felt too much like a car for someone young and doesn't care about refinements. The Altima is a good car. I had a 2003 Altima back in the day with leather, bose, V6, etc. Nice ride. I feel like Nissan has gone down in quality & refinements tho...
by TRC
Sat Aug 09, 2014 7:29 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 83
Views: 5991

Re: Home Siding Options

Another vote for Hardi Plank siding. We resided our faded and cracked vinyl 2 years ago and it looks awesome. It's more than 2X the cost of vinyl, but worth it IMO if you plan on staying there for a while.
by TRC
Fri Aug 08, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Home Siding Options
Replies: 14
Views: 1022

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

Can you get "mad mics" Mulch in your area? http://www.madmics.com/about-organic-mulch.html It's good stuff.

I don't think I'd ever want to put down rubber in my yard.
by TRC
Fri Aug 08, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1656

Re: Affording a 1.3 million home?

In the words of the wise Warren Buffett - "be fearful when others are greedy and greedy when others are fearful."
by TRC
Fri Aug 08, 2014 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 11040

Re: Which mortgage to pay off first? Youngin looking for fre

We opted to pay off our primary residence first rather than our investment property. Simplisticly I looked at it as this: my tentants are paying down this mortgage with their money, not mine. So far I have yet to make any extra payments on the rental (though it's only a 15 year note with 13 years le...
by TRC
Wed Aug 06, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage to pay off first? Youngin looking for freedom
Replies: 9
Views: 1280

Re: Attitudes toward inheritances.

That's unforutnate your dad is acting like that. I'm not sure what I'd do if I were in your shoes. I guess it's best for wealthy people to keep their mouhts shut so kids / heirs don't expect it. I'm in a similar situation with my Father In Law. He's very weatlhy and accumulated it 100% Boglehead sty...
by TRC
Wed Aug 06, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 110
Views: 9436

Re: Talk me in/out of buying a vacation house or condo...ple

Without knowing what additional assets and/or liabilities you have, you currently have a net worth of $44,138. If it were me, before I'd even THINK about buying a vacation home I'd: 1. Pay off the student loans entirely 2. Increase retirement accounts considerably. $80,000 at age 33 seems on the low...
by TRC
Tue Aug 05, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talk me in/out of buying a vacation house or condo...please
Replies: 21
Views: 2720

Re: Help Parents w/ Mutual Funds in Taxable. Sell?

First objective is it find out what he's invested in. Do you have a copy of his most recent statement?
by TRC
Tue Aug 05, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Parents w/ Mutual Funds in Taxable. Sell?
Replies: 13
Views: 806

Re: Riding Mower Help Needed

Not sure if it's prudent to post external links, but this is an example of a used JD X300 that is fairly close to me. Would you guys steer clear of used equipment or is this something to consider? The price seems pretty good considering the low hours: http://houston.craigslist.org/grd/4590635199.ht...
by TRC
Sat Aug 02, 2014 6:37 am
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 44
Views: 2300

Re: Bonds!!??

I am keeping my age (28) in total percentage of bonds. At 28, you should welcome a bond crash! This will allow you to rebalance out of stocks and buy more bonds CHEAP! You have a 25-30 year investment horizon, right? Don't let a salesperson….ooops, I mean "advisor" give any doubt to a tri...
by TRC
Tue Jul 29, 2014 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds!!??
Replies: 56
Views: 10728

Re: Do Bogleheads Feel Wealthier?

Since paying off our house, I do find myself spending more on material things & eating out.
by TRC
Tue Jul 29, 2014 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4658

Re: Public Speaking-help

The more you do it, the better you'll become. You just have to practice, practice, practice. Know your material cold. I'd suggest getting your presentation content ironed out and don't script it. Just have key points you want to get across. Then rehearse it over, and over, and over again. Most impor...
by TRC
Sun Jul 27, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 4985

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

Acrua's are much nicer than Honda's IMO. I owned a TL for several years and recently traded for a Toyota 4runner. I'm debating going back to the TL since I miss it so much. The Honda Accord is no comparison to the Acura TL. I don't know much about the ILX, but the money difference isn't all that sig...
by TRC
Wed Jul 23, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 49
Views: 3392

If you own a car, do you have a car payment?

Seems like everyone I know is tied to a car payment. When they finally get it paid off, they go buy another and reset their debt cycle. Curious what percentage of bogleheads have car payments.
by TRC
Fri Jul 18, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7403

Re: Anyone here flip houses?

Yes, flipped 3. It's all about buying at the right price and finding a motivated seller. Check out REIplace.com.
by TRC
Mon Jul 14, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4687

Re: Neighbor's ugly overgrown bushes and fence

Get the property surveyed and install your own privacy fence.
by TRC
Mon Jul 14, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3315

Re: Luggage recommendation

Ll bean. Lifetime warranty.
by TRC
Sun Jul 06, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 36
Views: 2697

Re: Do you tell your kids how much you make?

My kids are too young to care / ask, but I remember my parents showing me their paycheck when I was a kid, and then proceeded to tell me all the bills they had to pay with that check. I don't think it's taboo to tell your kids if you trust them. I will probably share mine with my kids when they star...
by TRC
Sun Jul 06, 2014 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 6093

Re: Neighbor's Fireworks

Are fireworks legal in your state? +1. If they aren't, this is the easy answer. But it depends on how well you know this person. You could be totally honest and say something like "listen, I don't want to be a pain, but we just spent $11K on replacing our roof. I wasn't thrilled to see burning...
by TRC
Sat Jul 05, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4485

Re: The Millionaire Next Door: Are You One?

Not really. We drive nice cars and have nice things. But our portfolio is big for our age. Best of both worlds!
by TRC
Wed Jul 02, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22727

Re: do you lie about your finances to friends

I think this issue varies by age. I'm 36 - most of our friends are heavily leveraged with a big mortgage, paying daycare, etc. Our friends know we do well, but no one knows we are debt free. If they did know this, I suspect most would be resentful rather that happy for us.
by TRC
Tue Jul 01, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 9244

Re: Pool Maintenance Cost

Yes, pools are expensive--the chemicals are expensive, and most of the equipment produced is genuine 100% KRAP. And yet, when you entertain, and when your friends and grandchildren are having the time of their lives, you forget about it in an instant--especially if what your'e drinking is so agreea...
by TRC
Wed Jun 25, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Pool Maintenance Cost
Replies: 14
Views: 1240

Re: Pool fence installation?

I just did this myself. I had about the same size fence you described, ~250 linear feet, 5' high aluminum, black in color. It was not that difficult to do, you just have to plan really carefully. I watched a few youtube videos, measured and remeasured, used an auger with 8" bit and quikrete fa...
by TRC
Tue Jun 24, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Pool fence installation?
Replies: 13
Views: 826

Re: Pool fence installation?

What part of the country are you in? $9-14k for enough fence to surround a pool seems outrageous. When I had a black aluminum fence put up last year to enclose my backyard I had quotes from $4-$8k, but that is significantly more than 250 ft. I live in Massachusetts. I've had 2 quotes from reputable...
by TRC
Tue Jun 24, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Pool fence installation?
Replies: 13
Views: 826

Pool fence installation?

We're wrapping up our in-ground swimming pool contsruction and are in the final stages of landscaping and selecting pool fence. I'm shocked at how expensive some of the quotes have been for pool fence and installation. Quotes have been anywhere from 9K - 14K (for appox 250 feet) of black aluminum fe...
by TRC
Mon Jun 23, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: Pool fence installation?
Replies: 13
Views: 826

Re: I just invested a lump sum

Congrat! Now get on with your life and don't check your account for a long time. You don't run out and check your grass height every day, right?
by TRC
Tue Jun 17, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: I just invested a lump sum
Replies: 33
Views: 5149

Re: What Do You Eat For Snacks?

I find that fatty foods offer the greatest amount of satiety and help me stay very lean. Usually for breakfast I have bulletproof coffee with grass fed butter and MCT oil added to it. Then I have 3 eggs and half an avocado. This usually keeps me full till 1pm. For lunch I usually make a monster sala...
by TRC
Fri Jun 13, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6470

Re: As Bogleheads, a comforting thought for everyone....

I wish my wealthy and retired father in law had this attitude. He's "won the game" and has more than enough money to live comfortably and pass on a gigantic nest egg. Yet he's still ultra frugal and conservative with his spending. Part of me thinks this is due to the fact that 3 of his 4 a...
by TRC
Thu Jun 12, 2014 6:03 am
 
Forum: Personal Finance (Not Investing)
Topic: As Bogleheads, a comforting thought for everyone....
Replies: 46
Views: 4845
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