Search found 1662 matches

by TRC
Fri Dec 09, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2124

Re: HELP: salary negotiation

I took a negotiation class with the FBI's #1 hostage negotiatior. His "go to question" for all negogotioans is to say the following: "how am I supposed to do that?"
by TRC
Fri Dec 09, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: Where to purchase tea
Replies: 13
Views: 1156

Re: Where to purchase tea

Lipton? :wink:
by TRC
Wed Dec 07, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: What to get a 13 Y/O who's interested in money?
Replies: 32
Views: 1460

Re: What to get a 13 Y/O who's interested in money?

Hi TRC, I recommend getting him a copy of "The Teenage Investor" by Tim Olsen. Tim wrote the book and had it published at age 13. It's the perfect book for a young Boglehead. Used copies and the Kindle edition are still available. Tim was on the Morningstar Vanguard Diehards Forum when he...
by TRC
Wed Dec 07, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: What to get a 13 Y/O who's interested in money?
Replies: 32
Views: 1460

Re: What to get a 13 Y/O who's interested in money?

How about a baseball glove or a pocket knife? :| I agree. Thirteen today, fifty tomorrow. :( I think this is misguided. I'd have loved to have learned about money and finances in my teens and wish someone would have taught me. Instead, I made terrible decisions throughout my 20's and still am barel...
by TRC
Wed Dec 07, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: What to get a 13 Y/O who's interested in money?
Replies: 32
Views: 1460

What to get a 13 Y/O who's interested in money?

My nephew who's 13 years old is very interested in money and developing wealth. He's won a number of sales contests at his school selling raffle tickets, charitable donations, etc. As a sales person myself (tech sales), I think he's going to go very far in life financially and I'd like to take him u...
by TRC
Tue Dec 06, 2016 9:12 am
Forum: Investing - Help with Personal Investments
Topic: How much risk do we need to take? Retired at age 47.
Replies: 56
Views: 5808

Re: How much risk do we need to take? Retired at age 47.

I don't have advice for you, but I'd love to hear your story as to how you amassed this much and retired early. Care to share your story and lessons learned?
by TRC
Tue Dec 06, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2183

Re: Lost: Could really use some advice on our next round of financial goals

I think you are undervaluing the importance of tax advantaged investment space, especially at your ages/income level. I would prioritize: 1.) max both 401ks 2.) max backdoor Roth IRAs +1. This is a no brainer IMO. Then it depends on your priorities after this. I'm a firm believer in balance....be f...
by TRC
Mon Dec 05, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 6411

Re: Men's Fashion - Best Bang for Buck

+1 for Charles Tyritt dress shirts. I prefer the slim fit, non iron. Best fitting shirts I've ever had. I just picked up 4 for $33 a piece!
by TRC
Thu Dec 01, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: Time to buy a vehicle - New vs Used Math Sanity Check
Replies: 24
Views: 2698

Re: Time to buy a vehicle - New vs Used Math Sanity Check

OP - I'm also looking at 4Runners in the age range you researched. A couple questions for you. What trim are you looking at and what were the defining characteristics of that particular trim? Toyota is known for their durability and low maintenance. Any concerns with the 4Runner? Former 2014 sr5 4R...
by TRC
Wed Nov 30, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 10074

Re: Feeling like you've "made it"

Go easy on yourself, though I'm guilty of the same self-criticism. If it makes you feel any better, my NW was about the same back in 2009 when I was 31. I'm about to turn 39 and it's just crossed 2.1M. It's amazing how quickly it can grow if you stay diligent to your habits.
by TRC
Thu Nov 24, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 2850

Re: Living near a Quarry

Depends how close you're talking. We live near a quarry - probably about 1 mile as the crow flies. The only negative I would say is the occasional blast that sounds like some thunder in the distance. Doesn't bother us one bit. If you drive on the main road down near the quarry, there is dust on the ...
by TRC
Mon Nov 21, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: Guys Long Weekend
Replies: 11
Views: 1207

Re: Guys Long Weekend

Pretty sure any major city fits the bill for what you're looking for.
by TRC
Sun Nov 20, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Energy Drink Alternatives
Replies: 19
Views: 1078

Re: Energy Drink Alternatives

Sounds like it's time to develop a new routine. I'm not a fan of consuming foods or beverages with ingredients I can't pronounce. Doesn't sound like you're addicted to the caffeine, but it does sound like you're addicted to the routine.
by TRC
Sun Nov 20, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Wealth advisory services
Replies: 68
Views: 4300

Re: Wealth advisory services

I found their approach interesting, primarily because it engaged my wife. Because of family dynamics (and probably my lack of communication skills), I have never been able to get my wife to focus on wealth management issues at all. We have a relationship where I make and manage the money, and she s...
by TRC
Fri Nov 18, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2457

Re: Help me figure out the running cost of having winter tires

Steel rims + winter tires are the way to go. Get a small floor jack and change them yourself. If you swap tires on and and off each season to the factory rims, chances are you'll damage the tires and/or rims.
by TRC
Fri Nov 18, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14683

Re: Monthly grocery costs? How do you keep it low?

Family of 4 (kids are 6 & 9). We are routinely between $1,000 - $1,200 per month, not including household items like paper towels & cleaning supplies.

We buy quality food - grass fed meat, raw milk from a local farm, wild caught salmon, etc.
by TRC
Fri Nov 18, 2016 7:50 am
Forum: Personal Consumer Issues
Topic: Hardwood Floor - purchasing options
Replies: 25
Views: 2595

Re: Hardwood Floor - purchasing options

DO NOT BUY FROM LUMBER LIQUIDATORS!!! The quality of their wood is garbage. We installed an exotic brazillian koa from Lumber Liquidators 5 years ago and immediately our installer noticed issues with the wood. Mainly the milling consistency was off from board to board and he seemed to think it was n...
by TRC
Fri Nov 18, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 7958

Re: Honda Cars

I have a 2014 Acura TL SHAWD and have had no issues since owning it. You can get a used TL for the same price as a new Accord.
by TRC
Fri Nov 18, 2016 7:44 am
Forum: Personal Consumer Issues
Topic: vinyl siding getting warped after painted in darker color
Replies: 18
Views: 1641

Re: vinyl siding getting warped after painted in darker color

Sorry to hear about your situation. I'm not a fan of vinyl. We ripped ours off and resided with Hardiplank Cement Fiberboard. More expensive than vinyl, but looks much nicer and is is substantially better a weatherproofing a home when done correctly. We get tons of compliments on our siding. I would...
by TRC
Thu Nov 17, 2016 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Getting laid off—questions about new opportunity
Replies: 11
Views: 1269

Re: Getting laid off—questions about new opportunity

I was planning on letting him know tomorrow that I will officially be unemployed come Jan. If it were me, I'd hold off on telling him this. If you're gainfully employed, you're a more desirable asset. If you're unemployed, it may come across like you're damaged goods and are desperate for a job.
by TRC
Thu Nov 17, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: AAA or Amica Home Insurance
Replies: 3
Views: 480

Re: AAA or Amica Home Insurance

We are loyal Amica customers. I've had to use them twice - car accident and home break-in. They were more than fair on both occasions. Highly recommended using them, even if they cost a little bit more.
by TRC
Thu Nov 17, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Son has some cash to invest
Replies: 37
Views: 2292

Re: Son has some cash to invest

...I have asked him to transfer the money to me so I can invest and give back to him when he needs it... He's an adult now and it's his money. Why not help him open his own account and let him do the work in setting it up, investigate mutual fund options, checking the balance, learning how to re-ba...
by TRC
Wed Nov 16, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Boston Logan Parking / Hotel?
Replies: 20
Views: 1115

Re: Boston Logan Parking / Hotel?

There's a Hilton connected to the airport where you can walk to the terminal.
by TRC
Wed Nov 16, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8063

Re: Cannot get myself to spend my savings

Although this is a good problem to have, we do want to get rid of these frugal habits & be lavish in the last quarter of our lives. Why the heck not?! What's the purpose of saving, investing & living below your means if you don't get the enjoy the fruits of your labor? Unless your goal is t...
by TRC
Tue Nov 15, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: Liver
Replies: 43
Views: 4785

Re: Liver

samsoes wrote:The liver filters toxins from the blood. Why would one want to eat it? :oops:


If it comes from a sustainably farmed or wild animal, the liver is one of the most nutritious parts of the animal to consume: https://chriskresser.com/natures-most-potent-superfood/
by TRC
Tue Nov 15, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 391
Views: 90389

Re: Share your networth progression

Started tracking in 2010. I'm in software sales and wife is a part time RN. We've learned to live off my base and mostly invest my commissions and bonuses. Jan 2010 - $708K - age 32 Jan 2011 - ? Jan 2012 - $1,084,000 - age 34 Jan 2013 - $1,347,747 - age 35 Jan 2014 - $1,560,411 - age 36 Jan 2015 - $...
by TRC
Tue Nov 15, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Commission-only sales position -- typical rate?
Replies: 8
Views: 1175

Re: Commission-only sales position -- typical rate?

The company that offered him the position won't tell him the percentage or whatever? +1. He should ask a few questions: What's the quota? What's the on target earnings for hitting quota? How is the compensation plan structured? Ask for a copy of the plan with the T's & C's. What happens when yo...
by TRC
Sun Nov 13, 2016 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Wealthy aunt is willing to allow me borrow $$ for medical school. How to best approach this?
Replies: 70
Views: 6723

Re: Wealthy aunt is willing to allow me borrow $$ for medical school. How to best approach this?

Personally I would not borrow money from a family member unless it was an absolute last resort and emergency.

Money is cheap right now. Can you go the traditional loan route?
by TRC
Sun Nov 13, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: Advice on car purchase
Replies: 16
Views: 1987

Re: Advice on car purchase

I used to drive a 335XI and loved that car. Though it did have a couple of serious recalls during my 2 years of ownership. Ended up trading it after we had kids since i needed something bigger. I don't think you can go wrong with Lexus or Acura. I opted for an Acura TL and it's been great. Doesn't &...
by TRC
Sat Nov 12, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Managing Thanksgiving Expectations (Grandparents)
Replies: 14
Views: 1245

Re: Managing Thanksgiving Expectations (Grandparents)

In-laws and parents are tough. I feel for you. This isn't meant to be personal, but your parents sound selfish & self-centered based on what you've outlined. I would stay home and do what's right for your wife & kids and deal with the backlash. Sounds like a no-win situation. I would be very...
by TRC
Fri Nov 11, 2016 9:08 pm
Forum: Personal Consumer Issues
Topic: Filling in the swimming pool
Replies: 30
Views: 3394

Re: Filling in the swimming pool

...I am paying about $250/month to have it maintained.... What do they do for $250 a month? That seems insanely high. We live in the Northeast and have an in-ground pool that takes us 20 minute tops a week to maintain. It's literally checking the skimmers once every couple of days and adding salt e...
by TRC
Thu Nov 10, 2016 8:40 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 204
Views: 25824

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

I like fancy cars and expensive things, but I pay cash. To each his/her own! Life is too short to die with a gigantic pile of cash and never enjoy what you work for.
by TRC
Thu Nov 10, 2016 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest $80K right now?
Replies: 38
Views: 4874

Re: Would you invest $80K right now?

Yes. 25 year time horizon? Without a doubt yes.
by TRC
Mon Nov 07, 2016 6:52 am
Forum: Personal Consumer Issues
Topic: iWatch, FitBit or...?
Replies: 15
Views: 1249

Re: iWatch, FitBit or...?

Appreciate all the feedback everyone! That is concerning to hear the inaccuracy of the heart rate monitor on the devices.
by TRC
Sun Nov 06, 2016 8:01 am
Forum: Personal Consumer Issues
Topic: iWatch, FitBit or...?
Replies: 15
Views: 1249

iWatch, FitBit or...?

Hi Everyone, I'm looking to purchase a fitness watch to track my steps, sleep and calories burned / heart rate during my workouts. Seems like FitBit is pretty solid, though the iWatch is appealing. Can anyone comment on their experience with either or other models to consider? Side note - but are th...
by TRC
Sun Nov 06, 2016 7:42 am
Forum: Personal Consumer Issues
Topic: BMW X5 M - Should I buy?
Replies: 46
Views: 4113

Re: BMW X5 M - Should I buy?

You only live once and your financial house is in order! That price seems very reasonable, but I would probably search for something that's a certified pre-owned to get piece of mind with the warranty. One of my customers drives an X5 and was telling me how much he loves it (he came off of an MDX). ...
by TRC
Sun Nov 06, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Dress shoes
Replies: 33
Views: 3034

Re: Dress shoes

Allen Edmonds hands down - the Strands are my favorite. Hard to find under $200, but If your near an outlet or can find one that ships (the one in Charleston, SC does), you can find factory seconds near $200. One thing to note, is that AE uses different "lasts" to shape their shoes. I hav...
by TRC
Sat Nov 05, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Can My Husband Quit Work at 40 Based On Our Current Investments?
Replies: 16
Views: 4209

Re: Can My Husband Quit Work at 40 Based On Our Current Investments?

rippinkittin wrote:
This is all invested in a 3.15% stable fund and a 4% stable fund.


This jumped out at me. I know this isn't the crux of your question, but you may want to elaborate on your asset allocation strategy.
by TRC
Sat Nov 05, 2016 7:21 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 2502

Re: 1st time home buyer tips & strategy

Answers inline below. Questions is, how do I find a RE agent who would be motivated to help me find a decently priced house in good shape and willing to wait for the right opportunity to pounce on it? Seems like it's a tall order since they don't get paid until there is a sale. Find a few reputable ...
by TRC
Thu Nov 03, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Honey
Replies: 27
Views: 3030

Re: Honey

Find something local.
by TRC
Thu Nov 03, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Dress shoes
Replies: 33
Views: 3034

Re: Dress shoes

If you want American made, true craftsmanship and something that can be re-soled to last 10-20 years, up your budget and buy some Allen Edmonds.
by TRC
Wed Nov 02, 2016 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else experience a gigantic loss in real estate?
Replies: 66
Views: 7110

Re: Anyone else experience a gigantic loss in real estate?

Wow. 4.5 year old thread revival. Some kind of early Christmas miracle, no doubt. Original Poster here. WOW! How did this thing come back to life? Jees. Well, here's what happened. We sold our house in 30 days for 340K back in June of 2012 and found an awesome house in a much better town & neig...
by TRC
Sun Oct 30, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Replacing run-flat tires on BMW
Replies: 34
Views: 2702

Re: Replacing run-flat tires on BMW

I used to have an 08 335XI and ran performance tires in the summer on 19" rims. I never had a spare, but they do sell a small BMW specific spare donut if I recall. Only downside is you'll lose trunk space.
by TRC
Sat Oct 29, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: Wait until after election to add to Roth IRA?
Replies: 16
Views: 2126

Re: Wait until after election to add to Roth IRA?

My Crystal ball says January 2nd. Just kidding - don't try and time the market.
by TRC
Sat Oct 29, 2016 7:34 am
Forum: Investing - Help with Personal Investments
Topic: No company match, what do?
Replies: 12
Views: 1391

Re: No company match, what do?

I never had a 401K match at my prior company, but I continued to max it out every year for the 14 years I worked there.
by TRC
Thu Oct 27, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 57
Views: 3908

Re: First time Maui vacation - where to stay?

We're actually going to Maui for 13 days starting on 12/31 this year with my wife and 2 little kids. Tough to find availability this late (we just decided last week), but we got lucky and scored a 1 br suite with a full kitchen at the Westin kanapali for $425 a night through an owner in VBRO. The pl...
by TRC
Wed Oct 26, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Juicer Recommendation?
Replies: 28
Views: 1645

Re: Juicer Recommendation?

the problem with juicers is that with all the fiber removed your body is hit with an immediate slug of sugar. This ^^. I think the advantage of blenders is the fiber is not removed, but even with blenders, doesn't the resulting smoothie result in a spike to the blood sugar? In my house, we end up a...
by TRC
Tue Oct 25, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Where do you store your paper documents?
Replies: 36
Views: 2641

Re: Where do you store your paper documents?

lately I've been scanning my important receipts into Evernote. I create a "tag" called receipts which makes them very easily searchable.
by TRC
Mon Oct 24, 2016 6:31 am
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 8378

Re: Spouse concerned about buying luxury SUV

The RDX really doesn't belong if you're looking at the Lexus RX and Honda Pilot. Look at the MDX. I'm a big acrua fan and drive a TL. My buddy just bought the new RX and he likes it. I sat in it yesterday and the seats are more cushy than my TL. I believe Acura is more sporty to drive with better ro...

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