Search found 1824 matches

by TRC
Thu Dec 07, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Re-inventing career in mid 30s? Law? Tech? Sales?
Replies: 18
Views: 2180

Re: Re-inventing career in mid 30s? Law? Tech? Sales?

IMO - tech sales is the most lucrative career you can get into with a 4 year degree (if you're good).
by TRC
Sat Dec 02, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Best small Drone
Replies: 11
Views: 701

Re: Best small Drone

My daughter started out with a small drone about $50, she had to practice before purchasing a bigger one for some of her work. I think there is some drones that can be controlled by GPS, this is to protect her from losing her expensive. Bottom line is you need some practice. I disagree. The DJI Mav...
by TRC
Sat Dec 02, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Best small Drone
Replies: 11
Views: 701

Re: Best small Drone

I was a first time drone user an purchased the DJI Mavic. It's incredible and folds up to the size of a water bottle.

I made this video from footage up in Maine: https://www.youtube.com/watch?v=FG_3MY6ILNQ&t=49s
by TRC
Sat Dec 02, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 888

Re: Buy Warranty for Bosch Appliances?

lakja wrote:
Sat Dec 02, 2017 4:16 pm
We have a Bosch microwave and dishwasher. Didn’t purchase one and no issues after 2 years. The dishwasher is insanely quiet.
This is really good to hear! We purchased the top of the line Bosch dishwasher since it gave us a 12% discount on all of the appliances.
by TRC
Sat Dec 02, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 888

Re: Buy Warranty for Bosch Appliances?

I would not. I just bought a Bosch dishwasher and did not entertain for one moment the thought of buying additional warranty protection. Some credit cards offer free additional warranty. Do yours? Good question LiveSoft. I honestly don't know. It's a Visa / Fidelity Card. I will look into this and ...
by TRC
Sat Dec 02, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 888

Buy Warranty for Bosch Appliances?

We're redoing our kitchen and are buying a set of Bosch appliances. Fridge, Electric Oven (induction), microwave and diswasher. The Fridge & Oven are the most expensive - about $2,800 a piece. They both come with a 1 year warranty and we have the option to buy an extended 5 year warranty for $440 a ...
by TRC
Sat Dec 02, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Considering Real Estate License
Replies: 7
Views: 514

Re: Considering Real Estate License

If you're not pursuing clients, what's the motivation to get your license? You can buy and sell houses without a license. In fact, you'll probably have more flexibility since you don't need to disclose you're a realtor when buying or selling. FWIW, I got my RE license years ago thinking I was going ...
by TRC
Fri Dec 01, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10239

Re: Price of haircut?

$0.00 I've been cutting my own hair for the last 20 years with clippers on the sides and scissors on the top. I have a "high & tight". I fade the sides, buzz the top / back half of my head with a longer attachment and then use scissors to keep the front a little longer. I cut it every 2 weeks since ...
by TRC
Thu Nov 30, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4567

Re: I Can "Afford" This Right? (New Car)

It is somewhat of a right of passage. I did it when I was 30. 2 years later I realized it was just a car that got me from point a to point b and I sold it. You can clearly afford it (i assume you’d be paying cash?). Once the thrill wears off, you’ll probably come to the same conclusion I did and sel...
by TRC
Fri Nov 24, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 24
Views: 1209

Re: Should I Pay Off My Mortgage When I Retire?

Pay it off and cross the retirement finish line completely debt free.
by TRC
Fri Nov 24, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1529

Re: Which model treadmill to buy

We bought the Sole Fitness S77 years ago and it's been a workhorse. Ordered it factory direct from Sole Fitness as it was a little higher quality than what was sold by Sole in retailers at the time. We only had 1 electrical issue with in the 8 years of ownership and they shipped us free replacement ...
by TRC
Wed Nov 22, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 49
Views: 2983

Re: Making collegebound Kid Financially Savvy Questions..

If you re-read your post there's a lot of "I have done this, I gave her this, we have done this for her, etc." It seems like you're doing a lot for her and she's not doing much on her own (yet). Nor does it sound like she's in an environment where she needs to. Does she have financial responsibiliti...
by TRC
Wed Nov 22, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 5267

Re: Advice to become wealthy

Get a high paying job and live below your means. If you can't get a high paying job, look for alternative ways of making money. They are out there if you're willing to put the time & energy into figuring it out. For me, I stumbled into my career of Software Sales back in 2000. It's been good to me, ...
by TRC
Wed Nov 22, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1550

Re: Anyone "re-door" their kitchen cabinets?

Why not just have your current doors painted? I don't have the name of the company now but a while back I needed some cabinet doors and I ordered them online for a fraction of the cost what I could get them for locally. They were not that hard to put up but I am somewhat handy. The cost of the new ...
by TRC
Wed Nov 22, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2712

Re: Christmas gifts for lots of kids (experiences or stock)?

Contrary to most of the posts above, I think it's actually a good idea to give them a stock or maybe even some shares of the Total Stock Market index IN ADDITION TO a fun gift they an open and play with. Each year, you could include a short note to start teaching them about investing and the value o...
by TRC
Tue Nov 21, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retention Bonus
Replies: 7
Views: 1067

Re: Retention Bonus

I would talk to an accountant. If you give back the after tax money, your W2s aren't going to shrink. If it were me and I did not sign the acceptance letter, I would probably wait and see how many times they asked me to pay the money back before I took action. For a contract to be valid, there has t...
by TRC
Tue Nov 21, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4117

Re: Trip to Hawaii - what do I need to know

We went on our honeymoon there 15 years ago and did Maui and Kauai. We went back this past January with our 2 kids and did just Maui. IMO - Maui is where it's at. If you spend time island hopping, you burn precious time. That being said, winter is the most expensive time of the year to visit. To put...
by TRC
Tue Nov 21, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1550

Anyone "re-door" their kitchen cabinets?

Hi Everyone, We're looking to update our kitchen and 1st floor living area by refinishing our hardwood floors to a dark walnut and we'd like to update our kitchen cabinets to be a white (currently maple / cherry color). The cabinets are in very good shape and are only 15 years old (Kraftmaid brand)....
by TRC
Tue Nov 21, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Honeymoon Suggestions
Replies: 26
Views: 1814

Re: Honeymoon Suggestions

Another vote for maui. But for a week, I would budget $7-10k.
by TRC
Mon Nov 20, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Newly built home. sell or rent?
Replies: 29
Views: 1879

Re: Newly built home. sell or rent?

Speaking from experience, being an out of state landlord is a really, really bad idea.
by TRC
Wed Nov 15, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Maui Jim Sunglasses (or similar quality)
Replies: 14
Views: 1155

Re: Maui Jim Sunglasses (or similar quality)

I was in Maui this year (twice actually) and invested in a pair of MJ's. They are awesome and worth the price.
by TRC
Mon Nov 13, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1621

Re: Anyone Tried Soylent?

"If man made it, don't eat it". But seriously, I wouldn't touch it. I'd much rather focus on eating alive food, not stuff that's made in a lab that's dead on arrival
by TRC
Sun Nov 12, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Another "Can We Afford This House" ?
Replies: 28
Views: 2630

Re: Another "Can We Afford This House" ?

White Coat Investor wrote:
Sun Nov 12, 2017 2:52 am
5 months in this market without selling? Yea it's too expensive. Or there's something really wrong with it.
Agreed.
by TRC
Sat Nov 11, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7795

Re: Do you meditate?

Sometimes, but I've never really done it consistently. When I do meditate, I use the Guided Meditation app called Headspace.
by TRC
Wed Nov 08, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37670

Re: Did you tell anyone you paid off your mortgage?

I paid off my previous home and told everyone. Good and valuable lesson. Next time I wont tell anyone. Top secret. So just curious, for those who have told others, and regretted it, what was the cause of the regrets? My guess would be moochers. I think this largely depends on your age. If your in y...
by TRC
Wed Nov 08, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37670

Re: Did you tell anyone you paid off your mortgage?

We paid ours off in our mid 30s. I only told 1 friend, and he’s of similar economic status / mindset. When people ask me about our mortgage rate, I just say I don’t know and my wife has the details.
by TRC
Wed Nov 08, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 4991

Re: what pickup truck

What are your requirements?
by TRC
Sun Nov 05, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting with significant other
Replies: 26
Views: 2233

Re: Budgeting with significant other

I don't think there is a norm. When my wife and I got engaged, we merge all of our accounts. There was no more "my money". It became "our money". That being said, if it ain't broke, don't fix it.
by TRC
Sat Nov 04, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4730

Re: This is why I'm glad I started investing at 23

Amen! I’ve heard this is called “F U money”? I’m in a similar boat. Started investing at 22 and and about to turn 40. House paid for, no debt other than an investment property that will be paid off in 7 years. Started contributing to my 401k and Roth IRA right out of college. I was very fortunate th...
by TRC
Fri Nov 03, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: How many funds do I need?
Replies: 21
Views: 1593

Re: How many funds do I need?

Why not ask for some portfolio review? viewtopic.php?f=1&t=6212
by TRC
Sun Oct 29, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3486

Re: Breaking point to get a new to newish car

I had nearly the exact same car - it was a Silver 335XI manual. LOVED that car, but traded it after 2 years for an Acura TL SH AWD. Not quite as thrilling to drive compared to the BMW, but bigger and not a single thing has gone wrong with it. If it were me, I'd stay away from German cars if you care...
by TRC
Thu Oct 26, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Fix or replace my vehicle
Replies: 33
Views: 1587

Re: Fix or replace my vehicle

Replace it.

If you're single and looking for a girlfriend / boyfriend, replace it tomorrow.
by TRC
Tue Oct 24, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Lastpass on iPhone easy to use?
Replies: 16
Views: 1224

Re: Lastpass on iPhone easy to use?

It's how I use it too. I set mine up for 2 factor authentication with Google Authenticator as well.
by TRC
Mon Oct 23, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 1689

Re: Bonds at Age 50?

I'm Age - 5 in bonds. Turning 40 in Dec, so we're about 35% bonds.

In a bull market like this, I think it's natural to second guess this type of AA strategy.
by TRC
Mon Oct 23, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3171

Re: FIL Stage 4 Cancer - Next steps

So sorry you have to deal with this. Stating the obvious, but I would try to identify any and all assets, liabilities, monthly bills, etc. and get account #s, passwords, and beneficiaries in order.
by TRC
Mon Oct 23, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 2031

Re: Which minivan?

You can't go wrong with either a Sienna or Odyssey. We have a 2016 Odyssey EXL with DVD and love it. Prior to that we owned a 2010 Odyssey EXL with DVD that hit 100K miles with no issues. FWIW, we live in the North East and have nasty winters. We put snow tires on in the winter and it's fine, though...
by TRC
Thu Oct 19, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Late 20s -- Level-set on my Finances please
Replies: 5
Views: 865

Re: Late 20s -- Level-set on my Finances please

1) When I invest, I look at my Taxable and by 401K separately. I want to employ the same 70:30 strategy (stocks:bonds) within both categories – is this incorrect? Do I need to be looking at them both wholly? Wouldn't I want to separate them out because I can access taxable at anytime and non-taxabl...
by TRC
Mon Oct 16, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2621

Re: How do you outfit your feet?

Live in Mass I work from home and travel to clients for work. My priorities: 1. Sandals (may - October). Generally 3 pairs since I misplace them in various rooms. 2. 2-3 pairs of Bang up sneakers in the garage at any given time. 3. 4 pairs of nice dress shoes - Allen Edmonds and cole hans. 4. Dress ...
by TRC
Sun Oct 15, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 5499

Re: Which Streaming Service/Live TV?

SuperSaver wrote:
Wed Oct 11, 2017 12:34 pm
...,We borrow families/friends Netflix, HBO, Amazon Prime logins for free. Our fave channels are Bravo, NBC, etc. Not sports-junkies.
"Borrow"?
by TRC
Fri Oct 13, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1344

Re: Building additional garage - recommendations?

Go Big! Kind of like a shed, it can't be big enough. We have a 3 car attached garage. The 3rd bay we use for bikes in the summer and my tractor & pellets in the winter. If I could have built it, I would have made it longer so my truck would fit more comfortably and wider so our doors have no chance ...
by TRC
Mon Oct 02, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2809

Re: camping trailer...need to change vehicle?

Have you looked into a Dodge Sprinter + Cricket Trailer combo?
by TRC
Tue Sep 26, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 7107

Re: Tipping question....Applebees

This post is about an extra 58 cents to the server. :?
by TRC
Fri Sep 22, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3505

Re: Gaps in new hardwood flooring

This is crazy, because the exact same thing happened to us. We installed 5" wide Brazilian Koa in our house 4 years ago when we moved in. It was August here in the Northeast...so very hot and very humid. I bought the wood from Lumber Liquidators and hired a private installer that I knew. He said the...
by TRC
Mon Sep 18, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Home Equity Disproportionate to Investments
Replies: 18
Views: 1754

Re: Home Equity Disproportionate to Investments

Consider yourself lucky! A house is a consumption item and you're fortunate that it's increased in value.
by TRC
Wed Sep 13, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: How much should a part-time RN make in Denver?
Replies: 9
Views: 1298

Re: How much should a part-time RN make in Denver?

Here in the north east, most RNs are paid hourly. My wife is a per diem pediatric RN (i.e. No benefits). She has 17 years experience and makes $55/hr. This is before shift differential (she works nights) and if she's a charge nurse on her shift.
by TRC
Tue Aug 29, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Learning from loss
Replies: 23
Views: 2978

Re: Learning from loss

I lost $150,000 when selling my last house. Bought it for $445K at the height of the market in 2006. Put 50K into it and decided to sell in 2012 to get into a better school district. Luckily we owned it free & clear so we didn't need to bring money to the closing table. We purchased our new house fo...
by TRC
Mon Jul 31, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase Lake House for Primary
Replies: 26
Views: 3247

Re: Should I purchase Lake House for Primary

I grew up on a Lake year round and had the best childhood a kid could ask for. Had my own boat by 12 years old (12' aluminum boat with a 6 horse engine). By my teens I was using my parent's boat to waterski and wakeboard all summer. Winters were spent shoveling rinks and having neighborhood hockey g...
by TRC
Fri Jul 28, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Is this rental house/vacation property be worth considering?
Replies: 22
Views: 1587

Re: Is this rental house/vacation property be worth considering?

The main drawback is that it is 6 hours away.... My wife and I own 1 vacation rental property that is 2 hours from our house. No way would I feel comfortable going any further. You're not providing enough information to look at this from a cash flow perspective. You should think about: Income: How ...