Search found 1538 matches

by TRC
Fri Jul 29, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our beach house?
Replies: 5
Views: 563

Should we sell our beach house?

6 years ago we purchased a beach condo for personal enjoyment and a semi investment property. After the first summer, we decided to rent it more often to cover most of the costs, while still saving some weeks for personal use when the weather is nicest. Lately we’ve been contemplating on selling it ...
by TRC
Fri Jul 29, 2016 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Help appreciated: 90/10 AA too aggressive for us. Best way to change?
Replies: 34
Views: 1688

Re: Help appreciated: 90/10 AA too aggressive for us. Best way to change?

For what's it's worth, I'm in a similar boat, though at the opposite end of the spectrum. Our hide is paid off and we also have a portfolio about the same size. In our AA, we are 38 and hold our age in bonds. I'm thinking we may adjust and use age in bonds - 10.
by TRC
Mon Jul 25, 2016 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB [help using]
Replies: 8
Views: 708

Re: YNAB [help using]

You should post this question on the ynab forum.
by TRC
Mon Jul 25, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Do Realtors Find FSBOs?
Replies: 63
Views: 3889

Re: Do Realtors Find FSBOs?

Every realtor has approached me to sell the house under market value (I know this because recent houses sold for more) and it seems they just want fast sales vs. trying to get me the best value so I'm going to try FSBO out for a bit and if it doesn't work out get a realtor but keep the asking price...
by TRC
Mon Jul 25, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Do Realtors Find FSBOs?
Replies: 63
Views: 3889

Re: Do Realtors Find FSBOs?

Get your house on the MLS. Pretty sure you can do that for a flat fee of several hundred dollars. Offer to give the buyer's agent 2-3% of the sale price.
by TRC
Sun Jul 24, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement, House, Kids - How to afford all three?
Replies: 61
Views: 4755

Re: Retirement, House, Kids - How to afford all three?

Maybe this has to do with your location, but how on earth does a couple eat on a $150 a month grocery budget?
by TRC
Sun Jul 24, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: New car or not?
Replies: 39
Views: 2806

Re: New car or not?

Spend money on good set of SNOW Tires and you will be fine. You want new car and your mind is using these excuses. Suck it up. :) +1. get some blizzaks on a separate set of steel rims and run them during the winter. I don't put mine on till I see snow in the forecast as warm roads can wear out the ...
by TRC
Sat Jul 23, 2016 7:11 am
Forum: Personal Consumer Issues
Topic: Yet another new/used car post. Help me replace a car
Replies: 34
Views: 2421

Re: Yet another new/used car post. Help me replace a car

You can't go wrong with a Camry or Accord. If you feel like stepping it up, get into the Acura TL SHAWD or Lexus ES350. Personally I drive the TL and it's awesome. Certified used ones with relatively low miles can be found for mid 20's. FYI - I'm 6'1" and it fits me fine. The AWD is nice.
by TRC
Sat Jul 23, 2016 7:08 am
Forum: Personal Consumer Issues
Topic: Very strange discovery on Google [use tracking/privacy]
Replies: 23
Views: 3558

Re: Very strange discovery on Google

Is this an issue only if you have a Gmail account?
by TRC
Thu Jul 21, 2016 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Creating a Budget
Replies: 24
Views: 2216

Re: Creating a Budget

Use "you need a budget". It's awesome.
by TRC
Wed Jul 20, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7479

Re: Why did the car salesman stop replying to my emails

So i emailed a car salesman on friday about a special lease for a honda. I asked for a quote, and they first sent me a link to the car to confirm it, and i said yes that is correct. then they had their manager email me and ask me if i needed anything (so now an extra person unnecessarily emailing m...
by TRC
Wed Jul 20, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 59
Views: 4437

Re: Should I spend 5k annually on travel?

Yes. You never know when you're number is up. Memories and life experiences count a lot more than a pile of money in the big picture.
by TRC
Mon Jul 18, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 28431

Re: 23 year old... Can I afford a Rolex?

You don't need our permission to buy a Rolex. If you can afford it and really want it, go for it. Lord knows I've spent more than 5k in my lifetime in splurges.
by TRC
Mon Jul 18, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie (55 years old) investment planning help requested
Replies: 8
Views: 738

Re: Newbie (55 years old) investment planning help requested

You'll get more meaningful feedback if you post your question using this format: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 To answer your questions: 1) Bonds are a core tenant in the Boglehead philosophy. The % of bonds varies depending on your age and degree of a risk, but a tri...
by TRC
Fri Jul 15, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3178

Re: Raising a reader

I challenged my 9 and 6 year old to read 20 pages a day this summer every morning they wake up. If they do it, we agreed to buy any pair of "back to school sneakers" they want for up to $100 each. So far it seems to be working.
by TRC
Fri Jul 15, 2016 3:17 pm
Forum: Personal Consumer Issues
Topic: Recourse for a failed dental crown at 3 years
Replies: 22
Views: 1819

Re: Recourse for a failed dental crown at 3 years

I had to have a crown redone 3 times to the same tooth. On round 3 I finally went to a prosthodontist and had it done right. I didn't sue the first two dentists.
by TRC
Wed Jul 13, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: How much cash to give when invited to a wedding?
Replies: 73
Views: 4993

Re: How much cash to give when invited to a wedding?

$200 from my wife and I. More if its an open bar and much more if it's close friends or family. Weddings aren't cheap.
by TRC
Sun Jul 10, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my rental and pay down primary mortgage
Replies: 17
Views: 1374

Re: Should I sell my rental and pay down primary mortgage

I sympathize with you. I owned a 3 family years ago and hated every minute of it. Landlording is a JOB. If you don't like it, cash out while you can. I learned my lesson the hard way by losing 30K.
by TRC
Sat Jul 09, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Bonds or Stocks?
Replies: 7
Views: 607

Roth IRA - Bonds or Stocks?

If I have room in my 401K to put all of my bond allocation in there, would I be better off using my Roth IRA for stocks instead of bonds? Currently I have both my wife's Roth and my Roth at 100% bonds and the stocks are in our 401K (along with some bonds) and Taxable Account (100% stock funds). I'm ...
by TRC
Sat Jul 09, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Pay off rental or not?
Replies: 17
Views: 1640

Re: Pay off rental or not?

I'm pretty much in the same situation. We have a rental property / vacation home that we break even on and we owe about 145K. It's break even right now, though only rented 8 weeks out of the year. We refinanced it 5 years ago to a 15 year note, with only 10 years left. We could pay it off, but frank...
by TRC
Wed Jul 06, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about son's finances/life
Replies: 41
Views: 7658

Re: Worried about son's finances/life

Is he living on his own with no financial assistance from you? If yes, be proud of his independence and let him find his own way. If he's living in your basement, than thats a different discussion.
by TRC
Wed Jul 06, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 30307

Re: What kind of car are you driving?

2014 Acura TL SHAWD. Came off a 2008 be 335xi and couldn't be happier with the Acura. It's a shame they stopped making the TL and now offer the downgraded TLX.
by TRC
Mon Jul 04, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: How to negotiate result of big item home inspection
Replies: 54
Views: 3174

Re: How to negotiate result of big item home inspection

Negotiate for a lower price and fix it yourself. The seller is going to look for the cheapest ways out if they have to fix it.
by TRC
Sun Jul 03, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Save Thousands on Dental Expenses!
Replies: 21
Views: 2673

Re: Save Thousands on Dental Expenses!

I've spent more hours, more money and more needles in my mouth than most people my age. Here's my go to for oral care that's finally made a difference in my checkups: - I ditched the electronic toothbrushesand now use a super SOFT manual tooth brush made by dr Collins. Every toothbrush in the stores...
by TRC
Sun Jul 03, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13135

Re: What do you spend your money on???

My kids.
by TRC
Sat Jul 02, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 3000

Re: What is the best home exercise equipment?

Bacchus01 wrote:Get P90X and some hand weights.

Done.


Agree 100%. My wife and I love this program. The only home equipment we have is a joist mounted pull-up bar and some Bowflex selecttech weights.
by TRC
Mon Jun 27, 2016 7:22 am
Forum: Personal Consumer Issues
Topic: Stand Up PaddleBoard Recommendation?
Replies: 15
Views: 1465

Re: Stand Up PaddleBoard Recommendation?

Personally I'd steer clear of an inflatable. I have a 11'6" Naish that I picked up from a surf shop. Agree on other posters of finding a surf shop and get fitted for a board. Big factors are your weight and what type of conditions you'll be in (i.e. Flat water, waves, chop).
by TRC
Thu Jun 16, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 5921

Re: Neighborhood kids setting up lemonade stand on my property

I think you're be a little paranoid on the liability issue. It's kids selling lemonade and in a few weeks they'll likely lose interest. How many cups have you bought? You should support their entrepreneurship.
by TRC
Mon Jun 13, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 43
Views: 4928

Re: Solar City Sales-pitch

They've been stalking me on the phone too. I finally told them to leave me alone. Bottom line is that 25% cost savings on electricity isn't compelling enough for me for the hassle and eye sore of installing solar.
by TRC
Fri Jun 10, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage today
Replies: 67
Views: 5926

Re: Paid off the mortgage today

"But what about your tax deduction!". I've heard that excuse so many times from my friends. "I need my mortgage to offset my taxes". I just shake my head.

Anyhow, congrats! It's an awesome feeling, isn't it?
by TRC
Sun Jun 05, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Did they build houses better in 07/08 ?
Replies: 58
Views: 4014

Re: Did they build houses better in 07/08 ?

Impossible to answer. I'm sure "some houses" were built better based on the builder, materials selected, etc.
by TRC
Mon May 30, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: Anyone convert a van for travel/camping?
Replies: 38
Views: 3594

Re: Anyone convert a van for travel/camping?

My buddy bought a Mercedes sprinter (diesel) work van and converted it into a camper. It's awesome and gets 20+ per gallon.
by TRC
Mon May 30, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 6510

Re: Private school? Any regrets?

We formerly lived in a town where the public schools weren't great. Rather than paying for private school (which was 14k per year / kid), we opted to move to a town with a much better public school system. A big factor for us was not only the teachers and state ranking, but also the type of kids at ...
by TRC
Sun May 29, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: Yoga or Pilates or Something Else?
Replies: 43
Views: 2865

Re: Yoga or Pilates or Something Else?

Check out p90x 3. At home, 30 minutes and a day, not much required in the way of weights and equipment. It includes yoga and Pilates. Great all round fitness program where you follow a trainer at home. It's up to ou to push play.
by TRC
Sun May 29, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 96
Views: 7385

Re: Do I want a house with a pool?

Nice pool, TRC. Looks like you have a Pebble Tec finish/liner. I have stamped concrete as my deck and thinking of replacing that. What type of pavers did you use for your deck? Thanks! We have pavers by unilock. To the comments about chemicals and upkeep, pool technology has come a long way since t...
by TRC
Sun May 29, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 96
Views: 7385

Re: Do I want a house with a pool?

Looking for a new home I was thinking we would be in an area with a community pool. Now it's looking like that won't be the case. Worrying about costs for upkeep and increased liability I was thinking it would be better not to have one. Now I'm wondering if I should be looking for a house with a po...
by TRC
Thu May 26, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 57
Views: 4130

Re: Advice on Mom's Fence / Neighbor

Your mom should get her lot surveyed and understand what the set back requirements are (if any) for a new fence. Like others said, she should not be required to do anything that's on her property.
by TRC
Fri May 20, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Is $2000 reasonable for bathroom permits?
Replies: 22
Views: 2634

Re: Is $2000 reasonable for bathroom permits?

1. Find out what the name/description of the permit(s) are.
2. Call your town's building department and ask what the cost is of said permit(s)
3. Decide if you want to continue with this contractor.

Personally I think you're getting ripped off big time.
by TRC
Fri May 20, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Acting like a boss!
Replies: 21
Views: 1796

Re: Acting like a boss!

My young one (high school junior) has complained to my significant other that I am acting like as boss in the home. I manage large team at work. Some of my habits may have come due to work and may have become second nature. Has any one experienced something similar? How do avoid it? How often are y...
by TRC
Thu May 19, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 4306

Re: When do you use cash, when a credit card?

Onion wrote:I try to use a credit card for everything.


Me too. I also track everything in YNAB, which is awesome BTW.
by TRC
Wed May 18, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 29
Views: 1952

Re: garden hose

Craftsman from Sears. Lifetime warranty and I've returned several without receipts with no questions asked.
by TRC
Sat May 07, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: Rebuilding a Deck
Replies: 15
Views: 1527

Re: Rebuilding a Deck

We rebuilt ours with azek 3 years ago. It's held up well,but has faded a little.
by TRC
Wed May 04, 2016 8:12 am
Forum: Personal Consumer Issues
Topic: Non-Compete Clause
Replies: 20
Views: 2471

Re: Non-Compete Clause

I was forced to sign a non-compete at my old company after working their for 10 years. They threatened not to pay out commissions if I didn't sign the comp plan (which included a non-compete). I reluctantly signed since my boss said "these are unenforceable in MA anyhow...don't worry about it!&...
by TRC
Wed May 04, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Pea gravel as paver patio alternative
Replies: 28
Views: 2710

Re: Pea gravel as paver patio alternative

vested1 wrote:Whatever you decide to place I would suggest a layer of professional grade weed block material (not plastic) under the ground cover. It will help to control the weeds


I tried this with a stone border around my shed and weeds still grow in the rocks in my experience.
by TRC
Thu Apr 07, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 9181

Re: I'm Addicted

It's about as addicting as watching grass grow.
by TRC
Wed Apr 06, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: 19 year old looking for guidance and advice
Replies: 28
Views: 2118

Re: 19 year old looking for guidance and advice

Kudos to you for taking personal responsability with your finances and doing it on your own two feet. You'll get lots of great feedback on this forum. My advice would be to: 1) Replenish your savings. Aim for 6-12 months of living expenses in a savings account and don't touch it unless there's an em...
by TRC
Sun Apr 03, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much house? (New England Market)
Replies: 18
Views: 1710

Re: How much house? (New England Market)

Mass is expensive depending where you live. $500k could buy you a really nice house or a shoebox depending on Location. What areas are you looking at?
by TRC
Sun Apr 03, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Tuxedo rental for prom?
Replies: 24
Views: 1806

Re: Tuxedo rental for prom?

What options has your son come up with? Great opportunity to start teaching financial decision making / independence and let him come up with the plan.
by TRC
Sun Apr 03, 2016 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Big spenders, anybody successfully downsized?
Replies: 30
Views: 4367

Re: Big spenders, anybody successfully downsized?

Mortgage is 3k per month, majority of which is principal as we have a 15 year mortgage. No second home. Vacations are easily 2.5k per month, which is an obvious place to spend less. 1 child and private school is 1.2k per month (another place to save as public schools are good). As we both work full...

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