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Re: Debit Card was hacked. Should I just use cash from now

All the spent money eventually comes out of my checking account, however, CC has protections built into it, cash back and delayed payment. I only see positives for using CCs for all expenses that can be paid with them. I plan on flying to New Zealand next year, funded by CC signup bonus points/mile...
by TRC
Mon Oct 20, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3272

Re: Attorney Hourly Rates?

Funny. I was actually talking with a soon to be attorney yesterday who's wrapping up her 8th year of higher education. She rattled off how much her 2 degrees have cost her in round #s and said "and yet people baulk at paying $200 an hour for our service".
by TRC
Mon Oct 20, 2014 5:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3013

Re: Debit Card was hacked. Should I just use cash from now

Thank you for all the input. I just signed up for the visa / fidelity card with 1.5% cash back to our kids 529.

Time to get new debit cards and lock up the usage for a while.
by TRC
Sat Oct 18, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3272

Re: Younger investor advice

What is VFW? You'll get more feedback if you spell out what you have and the expense ratio. Assuming GLD = Gold and SLV = Silver, you have your eggs in very few baskets. Here's some advice: - Live well below your means - Invest as much as possible and stay the course, no matter what the market does....
by TRC
Sat Oct 18, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Younger investor advice
Replies: 3
Views: 438

Re: Kids & Sports

I coach u8 soccer for my sons team. He started playing at age 5. First year he cried nearly every game and hated it. At age six, he cried less(but still cried sometimes) even though I was coaching. This year he's one of the best on our team. Kids develop at different paces and he's only 6. hardship ...
by TRC
Sat Oct 18, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2261

Debit Card was hacked. Should I just use cash from now on?

Our debit card was recently hacked for $4.95 from a company called Healthy Choices Therapy. Looks like they've done this to a bunch of people and it's a very common scam: http://www.whatsthatcharge.com/HEALTHY-CHOICES-THERAPY-888-7176583-MD We believe it's from the recent Home Depot breach since my ...
by TRC
Sat Oct 18, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3272

Re: Sale of house-closing tomorrow, buyer is backing out

Keep the money and relist. Next time make sure your realtor keeps showing the home even if you have an accepted offer. And don't put up a "sale pending" sign. It's for sale until the check is in your hand.
by TRC
Tue Oct 14, 2014 5:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5076

Re: Nursing School: Student loans or retirement

Why not go to the cheapest possible state school to get your RN? My wife is an RN and she went to Umass Amherst school of nursing. Her co-workers who went to much less expensive schools (in some cases community colleges) are making the same hourly rate.
by TRC
Sat Oct 11, 2014 6:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Nursing School: Student loans or retirement
Replies: 28
Views: 2374

Re: Cleaning Up Acorns

Do you have a tractor? If so, try a tow behind "lawn sweeper"
by TRC
Fri Oct 10, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 2227

Re: What have you done to cut costs this year?

Finally started tracking our spending and "telling our money where to go" with You Need A Budget. My "impulse spending" is now in check, big time.
by TRC
Wed Oct 08, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8173

Re: Lakefront property with small children?

I grew up on a lake and believe I had one of the best childhoods a kid could have. Swimming, fishing, turtle an frog hunting, my own small boat, wake boarding as I grew older. It was the best. If you can afford it, you won't regret it.
by TRC
Tue Sep 30, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2107

Re: Treadmills

Sole Fitness.
by TRC
Fri Sep 26, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 54
Views: 3487

Re: Acura RDX - test drove it again and it's about off my li

I'm an acura TL owner. Never been in the rdx, but in general acuras tend to have stiffer / sportier suspension. The plus is they handle really well, especially in corners. If you want a real cushy ride, worth checking out the lexus RX.
by TRC
Thu Sep 18, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5473

Re: Any success stories of ppl who never made >$50,000?

Often, when browsing this forum, I see people asking for portfolio advice and usually they are dual medical professionals making north of $300,000 per year and have a $3 million plus portfolio. I am just wondering if there's anyone here who has a multi million dollar stock portfolio but has never m...
by TRC
Tue Sep 16, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10193

Re: Repair/maintain the BMW or get a new car?

I used to have a 2008 335xi, manual. Absolute rocket ship. Sold it after two years and way too many visits for recalls and repairs. As a side note, my wife's honda odyssey just turned 5 years old and hit 80,000 miles. Not a single repair needed so far. Planning to keep it for another 5 years. I
by TRC
Sat Sep 13, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2217

Re: treating all investment accounts as one pool of money

With the exception of our kid's 529 accounts, all of our retirement accounts (401k, 403B, his Roth IRA, her Roth IRA, and our joint taxable) are all considered "1 account". Allows for fewer mutual funds required and easier to rebalance and keep track of. I do agree that if you have a speci...
by TRC
Sat Sep 13, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: treating all investment accounts as one pool of money
Replies: 26
Views: 2355

Re: Anyone have a house with a pool?

You're going to get two camps: Those that love pools and those that think they are the most dangerous thing in the world. We hapen to fall into the first campand just finished putting one in and we have young kids. They can both swim just fine and know not to go near it when we're not swimming. Main...
by TRC
Thu Sep 11, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2451

Re: Trying to get my company to switch to Vanguard 401(k)

You might want to try Fidelity. I convinced my company (200 employee) to switch about 3 years ago from ING to Fidelity.
by TRC
Wed Sep 10, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 2042

Re: Cape Cod; where to go and what to do?

Definitely go to the Beachcomber in Wellfleet - right on the beach and they have live music on weekends. A very cool place to hang out. Beachcomber is closed as of Labor Day. Where are you staying? What do you like to do? A few suggestions that come to mind: - Check out some of the beaches on the N...
by TRC
Tue Sep 09, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Cape Cod; where to go and what to do?
Replies: 13
Views: 1047

Re: The daddy of all grill islands

No island, but I have a webber genesis that is bulletproof and love it.
by TRC
Mon Sep 08, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 2813

Re: Technologist to IT Sales Transition

I've been in it sales for 15 years and have worked side by side with many sharp sales engineers. Several tried to make the transition to sales person over the last 5 years. Only 1 was successful, the other 3 went back to their SE roles. All of them underestimated how hard the job is. I don't want to...
by TRC
Sat Sep 06, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Technologist to IT Sales Transition
Replies: 14
Views: 861

Re: Pay off Debt, by cashing in Retirement account?

No way, don't do it.
by TRC
Thu Sep 04, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Debt, by cashing in Retirement account?
Replies: 25
Views: 2131

Re: My early 30's Ameriprise portfolio

Why would you want to keep "a portion active". Can your advisor show a 20+ year track record of beating the market after fees? How about a 5 year track record? The more you research passive investing, the more you'll realize its impossible for an advisor to beat the market, let alone match...
by TRC
Wed Sep 03, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3497

Re: Once your house appreciates +$250k, sell it?

This looks too easy. What's the catch (if you're single, no kids)? You're assuming the house will go up in value. +1. I bought a house in 2006 for 450K and sold it for 340K in 2012. I bought another house in 2010 for 400K and it's worth the same today. The catch is "you can't count on apprecia...
by TRC
Tue Sep 02, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3820

Re: Which generator do you have?

Honda eu 7000is. 7,000 watts
Gasoline and totally portable so we can take to when we move.
$4,000 plus a few hundred to have the transfer switch installed.
by TRC
Sun Aug 31, 2014 10:33 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8881

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Congrats on hitting that financial milestone! I'm a current landlord - previously owned a 3 family, but now own a beach condo for summer rental. Both are work. We enjoy ours in the off season for personal use, but it's work. Stuff breaks, people complain, and it's work. For us our family enjoys the ...
by TRC
Sun Aug 31, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 41
Views: 5872

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: 44
Views: 2445

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: 1416

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: 3316

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: 993

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: 7086

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: 1550

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: 54
Views: 5334

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: 21
Views: 1490

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: 1579

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: 2484

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: 1165

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: 1165

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: 3284

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: 520

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: 925

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: 4524

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: 4457

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: 2747

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: 4763

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: 2084

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: 4639

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: 1278

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: 104
Views: 8349

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: 1074
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