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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: 6
Views: 235

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: 108
Views: 6009

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: 39
Views: 4265

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: 3195

Re: Luggage recommendation

Ll bean. Lifetime warranty.
by TRC
Sun Jul 06, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 34
Views: 2123

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: 5900

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: 4288

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: 22147

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: 8878

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: 1202

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: 805

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: 805

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: 805

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: 5048

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: 6206

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: 4789

Re: How To Encourage A Young (Sensitive) Child In Sports

My son just turned 7 and sounds very similar to yours. I also helped out with coaching Soccer the last two seasons. Don't give up on him yet! I've seen a night & day difference in the last year. Side note, but my son has really started to accell at gymnastics. He continues to play soccer, baseba...
by TRC
Mon Jun 09, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5438

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

If the rest of your financial house is in order and you're hitting your yearly investment goals in terms of how much you want to invest, I'd starting paying down the mortgage.
by TRC
Mon Jun 09, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 89
Views: 7628

Re: One-year old portfolio would like a check up please

I would rebalance and put at least 10% into bonds so you can seize the buying opportunity when the stock market goes on sale.
by TRC
Sat Jun 07, 2014 8:17 am
 
Forum: Investing - Help with Personal Investments
Topic: One year on: please critique this Singaporean portfolio
Replies: 2
Views: 366

Re: College & PhD vs $250k working

From personal experience and dealing with a lot of fresh grads, I think the real world (ie. working) is wear the real learning begins. Can he do both?
by TRC
Fri Jun 06, 2014 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7398

Re: Favorite guitarist...

Jimmy Page
by TRC
Thu Jun 05, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 187
Views: 18880

Re: Two Comma Club!

Meg77 wrote: I have $404K in real estate equity ($299K from 6 rental properties)


Congrats! I'm most impressed by your 6 rental properties. I have 1 and that's all I can really handle. It's work…kudos to you for managing 6! You are rapidly on the path to financial freedom.
by TRC
Thu Jun 05, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5680

Re: should I buy real estate in Boston area? How much to spe

My other option is to put a house purchase off entirely until after I get married (we've talked about this a bit but nothing has been decided on this front.) This event may be 1-3 years away so if I wait until then I might have to buy a place at higher prices (if they continue to appreciate) or pos...
by TRC
Thu Jun 05, 2014 5:58 am
 
Forum: Personal Finance (Not Investing)
Topic: should I buy real estate in Boston area? How much to spend?
Replies: 31
Views: 2529

Re: Refinance to 15 year mortgage?

What if you took the difference in the monthly payments ($292) and applied that as extra principal to your current payment? How would that change the payoff date compared to a 15 year note? The difference between the two monthly payments isn't huge, but it could be handy to have the "option&quo...
by TRC
Sat May 31, 2014 5:40 am
 
Forum: Personal Consumer Issues
Topic: Refinance to 15 year mortgage?
Replies: 25
Views: 2310

Re: 31 yr old w/ $500k @ EdwardJones

I have been with the same guy for about 8 years. He came highly recommended from a "wealthy" person I knew at the time. After opening up this can of worms yesterday it rekindled the memory of sitting in his office the first time. I remember him showing me the different fund classes and th...
by TRC
Tue May 20, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 yr old w/ $500k @ EdwardJones
Replies: 52
Views: 9278

Re: When did you tell your children how much you had amassed

Don't. Kids talk to other kids, who in turn talk to parents. Rumors spread.

You can teach him about investing and compounding interest without disclosing what you have.
by TRC
Tue May 20, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 10917

Re: Convince me to choose a Suburban over a Sequoia

With the 3rd row up, there is very little cargo room in the Sequoia.
by TRC
Mon May 19, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4038

Re: Share your networth progression

2000 graduated with a net worth of -$28,000. Lived at home for 2 years to become debt free, rented for a year, then bought our first property in 2003. My earnings soared into the multiple 6 figures starting in 2005. Today our net worth is about $1.7M (age 36). Lived below our means and invested a lo...
by TRC
Tue May 13, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 97
Views: 13474

Re: Making extra cash

Rental Property and a Health & Fitness Coach.
by TRC
Fri May 09, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Making extra cash
Replies: 38
Views: 4159

Re: heirs and bequest motivation

Professor Emeritus wrote:
My kids are at the beginnings of professional careers, with children existing or on the way. Right now is when they need money or its assurance (529 plan or equivalent)



If you set them up finanically now, what motivation will they have to earn and build wealth on their own?
by TRC
Fri May 09, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: heirs and bequest motivation
Replies: 52
Views: 3744

Re: Boglehead 4wd Car (for family)?

We love our Toyota 4runner. Burley, spacious, and one of the last "true" SUVs not built on a car frame.
by TRC
Mon May 05, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: Boglehead 4wd Car (for family)?
Replies: 38
Views: 3230

Re: Woodburning stove insert recommendations

Not to derail this, but I also live in the north east and we bit the bullet on an insert last fall. I grew up with a wood burning stove and it's WORK. Stacking wood, storing wood, tending to the fire multiple times a day, cleaning the ashes, and it's not exactly wife friendly (at least my wife!). We...
by TRC
Sun May 04, 2014 7:19 am
 
Forum: Personal Consumer Issues
Topic: Woodburning stove insert recommendations
Replies: 8
Views: 641

Re: My front lawn is horrible

Richsoil.com might help In the northeast, the time to do a lawn renovation is at the tail end of summer (end of August beginning of sept). This is when prime time weed growing season is over, which is always in competition with new grass. If you're totally over grown with weeds, a lawn renovation mi...
by TRC
Sun May 04, 2014 7:12 am
 
Forum: Personal Consumer Issues
Topic: My front lawn is horrible
Replies: 29
Views: 3096

Re: VW TDI Engines

VW's don't have the best reputation for reliability or low cost of repairs. That being said, my brother has the VW Jetta Sport Wagon TDI (3 years old?) and he's had no issues with it. Really nice car - VERY roomy in the front. My neighbor also drives a very old Jetta TDI (1990's?) - I think it's ove...
by TRC
Sat May 03, 2014 6:34 am
 
Forum: Personal Consumer Issues
Topic: VW TDI Engines
Replies: 48
Views: 12391

Re: Polyurea garage floor

I did this to our single car garage for our beach condo. I used the DIY kit from Home Depot made my rustoleum. Wasn't that hard to do, most of the work is in the prep and getting the garage super clean. First season it looked great, now it looks pretty beat up.
by TRC
Fri May 02, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: Polyurea garage floor
Replies: 11
Views: 1475

Re: Advice on picking a financial advisor

Set up a 3 fund portfolio. It only takes 3rd grade math.
by TRC
Fri May 02, 2014 6:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on picking a financial advisor
Replies: 36
Views: 2037

Re: Best resources for landscaping yard?

Thank you for all the suggestions! Garden web looks great. I've also befriended the owner of a local nursery who has taken me on some "field trips" to show me some of the yards he's worked on. I made the mistake of hiring in a "traveling greenery" 2 summers ago where they showed ...
by TRC
Thu May 01, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: Best resources for landscaping yard?
Replies: 11
Views: 1123

Re: Did (will) you pay off your mortgage by retirement?

Paid off our house when I was 34. Moved to a new house 2 years ago and took on another mortgage. Paid it off this year at age 36.
by TRC
Tue Apr 29, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did (will) you pay off your mortgage by retirement?
Replies: 68
Views: 3411

Best resources for landscaping yard?

I live in her northeast (Mass) and have a large property. Looking to redo my landscaping as the prior owner didn't give it much TLC. Shrubs, trees, perennials, etc. Are there any forums similar forums to bogleheads where I can get help? Any good books or resources you're aware of? I thought about hi...
by TRC
Tue Apr 29, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: Best resources for landscaping yard?
Replies: 11
Views: 1123

Re: How long to pay off your mortgage?

Paid ours off in less than 4 years. Yes, the money would have made more in the market, but I like the piece of mind knowing it's ours.
by TRC
Sat Apr 26, 2014 7:07 am
 
Forum: Personal Finance (Not Investing)
Topic: How long to pay off your mortgage?
Replies: 66
Views: 15158

Re: How much did I spend?

All depends on what someone's willing to pay for your house when you sell it.
by TRC
Fri Apr 25, 2014 6:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did I spend? [mortgage question]
Replies: 43
Views: 12153

Re: Investment Property or Second Home?

What if you buy it with the intention of moving in and renting out your primary residence. Then when you close, perhaps your situation changes and you decide the house no longer meets your needs, so you'd rather rent it out?
by TRC
Tue Apr 22, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment Property or Second Home?
Replies: 12
Views: 1257

Re: Best tires for Honda Odyssey EX-L 2011?

We just replaced tires on our 2010 Odyssey EXL. We went with Michelin Defenders. So far, no issues.
by TRC
Tue Apr 22, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Best tires for Honda Odyssey EX-L 2011?
Replies: 16
Views: 1445

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: 29
Views: 3149

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: 2855

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: 2163

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: 2861

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: 3450

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: 3450

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: 93
Views: 9839
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