Search found 1592 matches

by TRC
Sun Sep 25, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Stain Our Deck Before Winter - $3,000 or DIY?
Replies: 41
Views: 3059

Re: Stain Our Deck Before Winter - $3,000 or DIY?

It's pretty easy, but tedious. Especially if you have hand rails. Assuming it's a stain and not paint? Get a deck cleaning solution to first clean your deck. A power washer helps, but not necessary. Clean it good, let it dry thoroughly. Then choose your stain wisely. Some are applied with a cloth wh...
by TRC
Sat Sep 24, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: When (or whether) to have a second child
Replies: 36
Views: 3380

Re: When (or if) to have a second child

Seeing our two children (ages 6 & 9) play together and the friendship they have formed is priceless.
by TRC
Thu Sep 22, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: What SUV for Sister in law?
Replies: 15
Views: 1196

Re: What SUV for Sister in law?

you should ask her which she would prioritize in terms of features/capabilities: - price - fuel economy - driving/handling - interior storage/conveniences (eg. cupholders, ergonomics, infotainment simplicity, etc.) - reliability - safety technology/features (advanced collision warning systems, lane...
by TRC
Thu Sep 22, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: What SUV for Sister in law?
Replies: 15
Views: 1196

What SUV for Sister in law?

Hi Everyone, My sister in law (recently divorced) is asking for help in shopping for her next vehicle. She's leasing an Odyssey now (lease is up), but wants to get a small SUV. She's single, two young kids and wants AWD since she's an RN and we live in New England. She's always leased, but she's ope...
by TRC
Wed Sep 21, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2387

Re: 2016 Honda Odyssey - which model?

Makes me think of plastic wrap on furniture from the 80s.

Loik098 wrote:Honda sells removable, washable car seat covers for both the second and third rows of the Odyssey for about $500.
by TRC
Mon Sep 19, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on mortgage principal prepayment
Replies: 16
Views: 1972

Re: Need advice on mortgage principal prepayment

We paid off our house in our mid 30s. It's a great feeling. If the rest of your house is in financial order, do it. Applying lump sums earlier in the mortgage amortization schedule has a bigger impact that doing it years down the road.
by TRC
Mon Sep 19, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 2651

Re: Advice on snowblower

Nothing beats a Honda. You'll pay more, but it will last a life time and will require MUCH less effort on your part.
by TRC
Sun Sep 18, 2016 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Am I saving enough to retire comfortably? See my Excel model
Replies: 19
Views: 3051

Re: Am I saving enough to retire comfortably? See my Excel model

Home equity should be removed from your $900k starting point if you're talking asset allocation.

I wouldn't over complicate it. You have a lot saved for your age. Keep saving, keep investing, but enjoy life and buy things that will make your family happy.
by TRC
Sun Sep 18, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2387

Re: 2016 Honda Odyssey - which model?

It's worth noting that Honda is looking to unload the 2016 Odysseys right now. The 2017 is an expected redesign. We got a really good deal on our 2016 exl with RES in April. The end of September is the end of their q3 as well (i.e. Sales quotas to hit).
by TRC
Sat Sep 17, 2016 9:40 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2387

Re: 2016 Honda Odyssey - which model?

EXL with rear entertainment has been a lifesaver for our family. I disagree that iPads are a better option. iPads die, they require syncing to load movies....they're not as convenient as having a sleeve of DVDs at your disposal and the wireless headphones to boot. We have iPads and kindles...the DVD...
by TRC
Sat Sep 10, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9151

Re: So being 40 is "old" in the high tech business?

This thread reminds me of the book "Disrupted". Very entertaining read if you are in tech. https://www.amazon.com/Disrupted-My-Mis ... =disrupted
by TRC
Fri Sep 09, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2095

Re: Any King Charles Cavalier Spaniel owners here?

I have always both loved dogs and been allergic to them. When the time came for our family to purchase a dog, we settled on a hypoallergenic shih-poo. Because I did not trust the hypoallergenic hype of any breed, prior to purchase I was able to take the prospective pup into a car with me, roll up t...
by TRC
Thu Sep 08, 2016 8:39 pm
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2095

Re: Any King Charles Cavalier Spaniel owners here?

My main concern is allergies. I am allergic to animals. Why would you consider it beyond this, especially when you can set expectations of your family now? What will you do if you are allergic? Did you read my entire post? I followed it by saying "Some dogs don't seem to bother me at all, whil...
by TRC
Thu Sep 08, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2095

Re: Any King Charles Cavalier Spaniel owners here?

Good points above, and also, you may want to research online on any breed you are considering because purebred dogs are liable to bred-in health issues, and the Cavalier is sadly one of the worst in that way - heart problems requiring long term medication. Even if you grew up with dogs, dog breeds ...
by TRC
Thu Sep 08, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2095

Re: Any King Charles Cavalier Spaniel owners here?

Hypoallergenic generally refers to dog breeds that have hair not fur and do not shed (much). The King Charles Cavalier Spaniel definitely has fur and sheds a LOT. Now, the amount of shedding does not necessarily correlate to your likely allergic reaction. Personally, I love these dogs, but they are...
by TRC
Thu Sep 08, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2095

Re: Any King Charles Cavalier Spaniel owners here?

Many people favor poodles or poodle mixes because they don't shed **at all** (you have to pay for a haircut 4-6 times a year). We have a 1 yo mini-labradoodle (20 lbs), smart as a whip (poodle brain) and sweetest creature ever (lab personality). Unlike every other dog I have ever seen, I have never...
by TRC
Thu Sep 08, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2095

Any King Charles Cavalier Spaniel owners here?

Hi Everyone, Our family is considering getting a King Charles Cavalier Spaniel as a pet and I'm curious if anyone here has one? Our kids are 6 & 9 and they've fallen in love with one in our neighborhood (we have too). My wife and I both grew up with dogs, so we know what's involved with dog owne...
by TRC
Tue Sep 06, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change Did I Make The Right Move?
Replies: 14
Views: 1991

Re: Career Change Did I Make The Right Move?

I think you're at a great age to make the career change. I personally know several people in law enforcement & prison operations and I know it can be a very mentally draining job. I think the sweet spot for you will happen if you eventually can open up your own plumbing business and work with ho...
by TRC
Mon Sep 05, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Apps for spendings tracking
Replies: 7
Views: 691

Re: Apps for spendings tracking

We religiously use ynab after trying many other options. It works.
by TRC
Mon Sep 05, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: payoff my mortgage ?
Replies: 18
Views: 1784

Re: payoff my mortgage ?

62k is a pretty small nut, though 5% is high for an interest rate given current rates.

I think the bigger question you should be asking is "can we retire in 3 years"?
by TRC
Sun Sep 04, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 43
Views: 4603

Re: Anyone else drive a Tacoma?

I used to drive a 98 SR5 pickup, manual / 4 banger when I graduated from college. I'm giving serious thought to picking up a Tacoma, 4 door, long bed as a 3rd vehicle. I miss having a truck like crazy. That being said, I don't think I could have a Tacoma as my daily driver. I have an Acura TL and it...
by TRC
Sat Sep 03, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 2764

Re: Help with potential lawsuit

A friend of mine was recently in an accident and got rear ended. He was stopped in traffic and the person slammed into him going 50 mph. Initially he felt fine, but major back injuries followed weeks later. Not sure how serious your accident was , but sometimes injuries legitimately do not appear ti...
by TRC
Thu Sep 01, 2016 6:58 am
Forum: Personal Consumer Issues
Topic: How Does Your money Make Money?
Replies: 43
Views: 5077

Re: How Does Your money Make Money?

We own a rental property.
by TRC
Wed Aug 31, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 45
Views: 3248

Re: How Much Cash for Wedding Gift?

Interesting question. I would say $200 sine you're a couple. If it were my best friend, I'd give more.
by TRC
Tue Aug 30, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Purchase Threshold
Replies: 9
Views: 942

Re: Real Estate Purchase Threshold

So my question is fairly simple, would you ever buy a house whose price exceeds the affordability metric of 3X your income? I Where did this bizarre rule of thumb come from? Income means nothing if you don't factor in your debt and other monthly expenses. Subtract all your expenses (loan payments, ...
by TRC
Sun Aug 28, 2016 7:32 am
Forum: Personal Consumer Issues
Topic: Options For a Second, Seasonal home?
Replies: 11
Views: 1734

Re: Options For a Second, Seasonal home?

You should read my post "should we sell our beach condo" https://www.bogleheads.org/forum/viewtopic.php?t=196388 We decided to keep it (for now) because we truly do love it and spent more than a month there this summer. That being said, we have a strong stream of rental income to offset th...
by TRC
Thu Aug 25, 2016 9:56 pm
Forum: Personal Consumer Issues
Topic: Question about employee development
Replies: 28
Views: 1368

Re: Question about employee development

Be blunt about your dissatisfaction. Can you transfer her to another role in a efferent dept? Last, and probably least resort....you could make his job unpleasant so he voluntarily leaves.
by TRC
Sun Aug 21, 2016 6:44 am
Forum: Personal Finance (Not Investing)
Topic: How to fund down payment on second home.
Replies: 14
Views: 1609

Re: How to fund down payment on second home.

If you can get your current house sold, you'll be in a much stronger position to make a compelling offer on your new house.
by TRC
Sun Aug 21, 2016 6:36 am
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 4083

Re: Tips for a 1000 miles car trip with toddler and baby

Our kids are older (ages 6 and 9), but we did a 14 hour road trip his past April from mass to the outer banks. We drove 10 hours the first day and 4 the next. iPads and lots of movies kept everyone entertained. A 10 month old is a wild card though. Good luck!
by TRC
Fri Aug 19, 2016 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 299
Views: 39186

Re: Self-made Millionaires: how did hitting 7 figures change you?

For me, yes I was excited when I hit $1m, yes I was excited when I hit $2m, yes I was excited when I hit $10m. However, by and large nothing has changed except I stress differently ..... As you can see from the above post, being a part of this community also tends to motivate one to get "more&...
by TRC
Fri Aug 19, 2016 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Large amount of home equity - tempting to cash out and FIRE?
Replies: 57
Views: 4304

Re: Large amount of home equity - tempting to cash out and FIRE?

You'll make new friends wherever you go. How much would a new house cost to your standards in a LCOL area? 400k-600k? This would leave you with 500-700k profit (then subtract realtor and relocations fees) to invest. If I weren't "married" to the area, i'd strongly consider moving if I were...
by TRC
Sun Aug 14, 2016 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: what to buy when stock market is a new high?
Replies: 37
Views: 5377

Re: what to buy when stock market is a new high?

As others have said, buy according to your asset allocation strategy. By the sound of your post, it's sounds like you don't have one. Do you need assistance establishing one?
by TRC
Sun Aug 14, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 5829

Re: Joint Accounts - How do you use it?

If you used you need a budget (ynab) it would allow you to have "virtual spening accounts" without actually having to maintain a bunch of different accounts.
by TRC
Sun Aug 14, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 44
Views: 2929

Re: Building a Pool

Thank you for all the replies. To the cost question I came up with the $200k "15 year cost" based on $45,000 initial outlay and $3,000 yearly maintenance related to the pool. If I earned 7% on that money it's like 199k. Maybe $3,000 is too high, but even if it's $0/yr maintenance it's sti...
by TRC
Sun Aug 14, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 44
Views: 2929

Re: Building a Pool

We installed a pool 3 years ago and we live it! Ours cost more than double the numbers you're talking. Modern / well constructed pools are easy to maintain.
by TRC
Sun Aug 14, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Can landlord specify 6 month inspection in California?
Replies: 16
Views: 1580

Re: Can landlord specify 6 month inspection in California?

Can you make an excuse to swing by to fix something or make an improvement?
by TRC
Sun Aug 14, 2016 5:05 am
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3798

Re: HOA Ruling

We also love in a neighborhood with covenants that prohibits certain things (including large sheds) , but they really aren't enforced. I built a 16 x 20 shed and just cleared it with my immediate neighbor since it was near the property line. How active is your hoa? I would build the bigger one and i...
by TRC
Mon Aug 08, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: How dangerous is Kids Gymnastics?
Replies: 38
Views: 2837

Re: How dangerous is Kids Gymnastics?

Did you see the French gymnast break his legs in the Olympics over the weekend? I hear he broke the other leg previously. Yes, that was horrific. I showed my wife the video and she said our sons arm looked similar after his break. The X-rays should two complete (and I mean complete) breaks all the ...
by TRC
Mon Aug 08, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: How dangerous is Kids Gymnastics?
Replies: 38
Views: 2837

How dangerous is Kids Gymnastics?

Hello Bogleheads, My son (now age 9) has been in gymnastics since he was 4 years old. He plays a lot of sports (Soccer, Basketball, Lacrosse and skiing), but this is the sport he appears to be taking to most. He was recently invited to be on the team, which competes at the Level 4 and Level 5. This ...
by TRC
Sun Aug 07, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: How do you screen income for potential renters?
Replies: 6
Views: 1225

Re: How do you screen income for potential renters?

When I was a landlord, I'd ask for copies of recent paychecks, recent statements on checking / savings accounts, credit card balances and summary of their monthly bills. Sometimes I had to explain higher income earners that they could afford our place once all their other bills were paid.
by TRC
Sun Aug 07, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 11182

Re: Suckered into Marriott Kauai Timeshare Presentation

"Suckered"? You are getting a great deal for something that you proactively signed up for. If you don't want to sit through the sales pitch, cancel and pay retail price.
by TRC
Sun Aug 07, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 72
Views: 6739

Re: new potential tenants negotiating on rent

I used to be a landlord. I would view their attempted negotiation as potential red flag on what type of tenant they'll be (ie. high maintenance).
by TRC
Sun Aug 07, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 5421

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

Honda salesman told me he would consider knocking off $1,000 off sticker because they are so hard to keep in stock! This is a line. Were there Honda Pilots on the lot? If so, he's lying too you. Once you decide what you want, I would submit an inquiry on truecar.com to get 3 quotes. Then take the l...
by TRC
Thu Aug 04, 2016 11:12 pm
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 5421

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

Former 4Runner owner here. What model 4R are you looking at? The suspension and ride quality are pretty different between the SR5, trail or limited edition. My wife and I have had a 99, 2007 and most recently a 2014 SR5. I traded the 2014 SR5 pretty quickly as I really needed a car. If I were to get...
by TRC
Thu Aug 04, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mini retirement- RV around country
Replies: 21
Views: 2183

Re: Mini retirement- RV around country

I think it's an awesome idea, but definitely test it for a weekend first, then a week, etc. Kids in long car rides at those ages can be tough.
by TRC
Thu Aug 04, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Vanguard - is touch ID less secure?
Replies: 12
Views: 708

Vanguard - is touch ID less secure?

I recently enabled Touch ID authentication from my Iphone into my Vanguard account. It's a really great feature and allows a much more streamlined way of accessing my account. I used to login with my password and the 2 factor authentication (SMS text with passcode). Is the Touch ID authentication me...
by TRC
Wed Aug 03, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: please help me help my daughter
Replies: 21
Views: 2233

Re: please help me help my daughter

I think one of the biggest ways you can help her is to have her take some ownership on this process and become financially literate. Can you encourage her to create an account on Bogleheads and have her ask the question?
by TRC
Mon Aug 01, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6869

Re: Should I flip my neighbor's house to save the neighborhood?

Hazardous materials problems you might have to deal with: A house that old will have lead and asbestos issues that will increase the renovation cost if handled correctly. Mold could be an issue. Worse yet would be if the former occupants were cooking meth. I have read of houses that had to be demol...
by TRC
Mon Aug 01, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6869

Re: Should I flip my neighbor's house to save the neighborhood?

I've flipped a few houses in my day. I couldn't have done them successfully without the help from an experienced flipper who has done it before. I never undertook a big rehab bough. Most of the time it was paint, carpet and elbow grease from people entering foreclosure. It's all about buying at the ...
by TRC
Mon Aug 01, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Real Estate Deal
Replies: 22
Views: 1194

Re: Advice on Real Estate Deal

We would snatch it up now and rent it out until we are ready to make the jump there full time (5 years most likely). - this is an area we would like to move to in 5-15 years. RED FLAG #1 - we have two young children. We are 40. RED FLAG #2 - city is about 8 hours from our current home. I’d hire som...

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