Search found 1464 matches

by TRC
Mon Jan 25, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Another 100% stock thread!
Replies: 33
Views: 2811

Re: Another 100% stock thread!

If you're 100% stocks, how do you buy more stocks when the inevitable crashes happen? To me, having Bonds does two things:
#1 it stabilizes volatility in your portfolio
#2 Gives you a reserve to buy substantial chunks of the market when it goes on sale
by TRC
Thu Jan 14, 2016 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Convincing Dad to Fire the Firm
Replies: 31
Views: 2608

Re: Convincing Dad to Fire the Firm

Is he willing to share what funds he's in and what his returns have been after taxes?

Maybe you could draw up a simple 1 page document that compares the costs & returns of what he's in now to an index portfolio?
by TRC
Sun Jan 03, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Ariens Snowblower Conundrum
Replies: 30
Views: 2029

Re: Ariens Snowblower Conundrum

Get your money back and buy a Honda blower. Night and day difference.
by TRC
Sun Jan 03, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 1933

Re: Minivan or SUV?

Do you need the ground clearance? If not, minivan will serve your needs better with kids. Push button Sliding doors, lower step in hight & way more cargo room when you fold the 3rd row down.
by TRC
Thu Dec 31, 2015 7:34 pm
Forum: Personal Consumer Issues
Topic: Grass Fed Meats Question
Replies: 67
Views: 3369

Re: Grass Fed Meats Question

Do you know the farmer or butcher? I'd ask him or her for their opinion on how much. Personally I'd buy a little less and buy again in 3-6 months.
by TRC
Tue Dec 29, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Things to do in Costa Rica?
Replies: 22
Views: 1666

Re: Things to do in Costa Rica?

We did a zip line tour and it was awesome! Also, firefly restaurant in tamarindo was amazing.
by TRC
Fri Dec 25, 2015 4:59 pm
Forum: Personal Consumer Issues
Topic: Uncomfortable gift situations
Replies: 27
Views: 3037

Re: Uncomfortable gift situations

I would genuinely thank the person for spending their hard earned money and time to get me or my child a gift.
by TRC
Tue Dec 22, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 7383

Re: How much do you spend on groceries?

or spend a ton more on what is mostly food marketing gimmicks (organic, Paleo, assuming the produce at Whole Foods is somehow better than at the local market...). Avoiding as many pesticides as I can is not a gimmick, to me anyways. And Whole Foods produce may not be better than your local market b...
by TRC
Tue Dec 22, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 7383

Re: How much do you spend on groceries?

How much do you spend or budget on groceries? We are two adults here. Our budget for groceries is $250 a month. Can you give us a sample month of what this looks like and a typical day's food in take? I really can't fathom how this is even remotely possible. We are a family of 4 (2 adults and 2 kid...
by TRC
Tue Dec 22, 2015 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 12126

Re: Biggest lucky break in your personal finances?

I sell software. One year I had a "blue bird" where a partner placed a massive order where I did not even need to talk to the customer. What is usually a 1 - 2 year sales process took literally one phone call. It resulted in a $70K commission check. That was a nice one!
by TRC
Mon Dec 14, 2015 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: 32, just started 401k
Replies: 13
Views: 1662

Re: 32, just started 401k

Bad news is that you're behind the 8 ball on savings and missed a decade of investing.

Good news is you make bank and can catch up. You make 350K per year. Can you invest 1/3 of that or more to catch up?
by TRC
Fri Dec 11, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 6457

Re: BMW current and past owners -- how was the reliability and would you buy another?

I used to have a 2008 335XI - 4 door, manual. It was a rocket ship and total blast to drive. I only kept it till 28K miles before I sold it. Our family was growing and it was just too small of a car. While I owned it, I think there were 2 or 3 recalls that I had to take it back to the dealer for. My...
by TRC
Tue Dec 08, 2015 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Good way to track income and expense?
Replies: 28
Views: 1654

Re: Good way to track income and expense?

My wife and I tried the spreadsheet route several times and we'd stick with it for a few weeks, but then fall off the wagon. About a year ago we tried the free 34 day You Need a Budget (YNAB) trial and never looked back. We love it! You get out of what you put into it though. Watch the training vide...
by TRC
Tue Dec 08, 2015 8:31 pm
Forum: Personal Consumer Issues
Topic: Serta iComfort / Tempurpedic - Buying a Mattress
Replies: 40
Views: 2913

Re: Serta iComfort / Tempurpedic - Buying a Mattress

DO NOT PURCHASE A SERTA ICOMFORT!!! We spent several thousand on a serta icomfort from a reputable dealer and loved it at first. It lasted us a good 2 years before it began to sag tremendously. When we stripped the bed, you could literally see it sagging where we slept. When I slept it it, I felt l...
by TRC
Fri Dec 04, 2015 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS
Replies: 49
Views: 3560

Re: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS

I'd read some articles in the wiki and pick up a copy of The Boglehead's Guide to investing.
by TRC
Sat Nov 28, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 19
Views: 2758

Re: Toyota Tacoma owners?

My first "real" vehicle out of college was a black 1998 Tacoma SR5 extended cab. I loved that truck so much and it served me well in my early 20's. Only complaint is that it had no power on the high way (4 cyl). I REALLY want another one, but can't justify it as my daily driver. The new Ta...
by TRC
Thu Nov 26, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 50
Views: 3989

Re: Best Way to get rid of leaves

Mowing, mulching and letting them decompose on your lawn is one of the best things you can do for your lawn and soil.
by TRC
Thu Nov 19, 2015 10:35 pm
Forum: Personal Consumer Issues
Topic: Treehouse in Backyard - Liability Question
Replies: 30
Views: 2684

Re: Treehouse in Backyard - Liability Question

Boy have times changed....
by TRC
Thu Nov 19, 2015 10:34 pm
Forum: Personal Consumer Issues
Topic: Recommended Snow Tires
Replies: 42
Views: 2525

Re: Recommended Snow Tires

Another vote for Blizzaks.

A suggestion though, don't run them till its very cold out. The rubber is soft and warm temps will cause premature wear. I live in MA and usually run them from late Nov though mid-last march.
by TRC
Sun Oct 04, 2015 8:07 am
Forum: Personal Consumer Issues
Topic: Any one here live with parents or in laws for a long time?
Replies: 26
Views: 2955

Re: Any one here live with parents or in laws for a long time?

My dad is an annoying type of guy who is home all day and can make negative comments towards me and my wife , but every one who lives with in laws has to go through something. How does your wife feel about this statement? When I think of adults living at home, I think of recent college grads trying...
by TRC
Mon Sep 28, 2015 7:58 pm
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 3829

Re: Minivan or not?

Honda Odyssey. 2-3 year old might not be that cheaper than new though. We bought ours 6 years ago new and its still going strong. Planning to keep it for another 3-5 years before we get another one. I think we'll have a van till the kids are off to college. There just so versatile and handy to have.
by TRC
Fri Sep 18, 2015 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice. 24 yr/old young professional sold life insurance by NML.
Replies: 68
Views: 4893

Re: Looking for advice. 24 yr/old young professional sold life insurance by NML.

Investments are investments. Insurance is insurance. Don't commingle the 2.

Dump the whole life policy. You're getting ripped off.

And why on earth would you need life insurance till age 80????
by TRC
Sat Sep 12, 2015 12:53 am
Forum: Personal Consumer Issues
Topic: I am running out of excuses to not move out
Replies: 71
Views: 6428

Re: I am running out of excuses to not move out

To avoid this...."Want To come back and hang out in my parent's basement?"
by TRC
Thu Sep 10, 2015 6:35 am
Forum: Personal Consumer Issues
Topic: Hepa Air Purifier Recommendations?
Replies: 9
Views: 604

Hepa Air Purifier Recommendations?

For whatever reason, our house is extremely dusty. We dust once a week and it seems like the dust is back the next day. We mostly keep our windows closed (AC in the summer and pellet stove in the winter). It's odd because we never had this problem at our old house. In any event, I'm wondering if a c...
by TRC
Tue Sep 08, 2015 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation home. Can we afford it?
Replies: 41
Views: 4759

Re: Vacation home. Can we afford it?

Speaking from experience (we own a vacation home), I think the bigger question is "is it really worth it". We bought a vacation home 5 years ago at the beach, about 2 hours from where we live. The first 1/2 of the summer we owned it was great, sort of like a honeymoon. Then like anything n...
by TRC
Mon Sep 07, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 280
Views: 33296

Re: Question for the Bogleheads Millionaires

For me it was getting into software sales. IMO - sales (especially high tech) is the one of the most lucrative careers you can get into with just a 4 year degree. That being said, it's hard and you will work longer and harder than your peers. But the payoff can be huge.
by TRC
Sat Jun 27, 2015 8:04 pm
Forum: Personal Consumer Issues
Topic: Learning Guitar
Replies: 30
Views: 3852

Learning Guitar

Hi Everyone, I'm thinking of learning guitar as a new hobby and a way to de-stress. I toyed with the guitar as a kid and took it as an elective in college, so I'm not a total beginner, but pretty close. Currently I can play some chords and can finger pick my way through a few songs. I'm in my late 3...
by TRC
Sat May 23, 2015 4:50 pm
Forum: Personal Consumer Issues
Topic: Questioning a dental hygienist ?
Replies: 14
Views: 2084

Re: Questioning a dental hygienist ?

[Medical advice removed by admin LadyGeek. See my post earlier in the thread.]
by TRC
Sun Apr 26, 2015 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Nice Round Number reached tonight
Replies: 32
Views: 5399

Re: Nice Round Number reached tonight

Nice!!!! That's very impressive for 41.
by TRC
Sun Apr 26, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Is the 1% Cost of Managing Money Worth It?
Replies: 53
Views: 5479

Re: Is the 1% Cost of Managing Money Worth It?

Only if the person doesn't have the know how or discipline to stay the course when the market goes crazy.
by TRC
Sun Apr 26, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Spendy spouse
Replies: 110
Views: 11939

Re: Spendy spouse

Start using You Need a Budget (YNAB) immediately. Get her on board though and have her watch the training videos with you. It only works if both spouses do it. Then make a point to sit down once a week and review spending & what's left for the month.
by TRC
Wed Apr 22, 2015 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 9505

Re: What's your average monthly expense???

dreamer wrote:Grocery: $250 - $300


How on earth is this even remotely possible for a family of 2 in CA? Are you eating out a lot?
by TRC
Tue Apr 21, 2015 12:25 pm
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 99
Views: 11839

Re: “Entry level” luxury cars under 40k

Look for a leftover or slightly used Acura TL SHAWD. Larger than the cars you mentioned and way more reliable.
by TRC
Tue Apr 21, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: Taking Care Of Leaves
Replies: 18
Views: 1546

Re: Taking Care Of Leaves

I just mulch them in with regular mowing. After I stop mowing for the year, I just let the wind blow them around as it desires. They blow off downwind and get replaced by someone else's leaves from up wind. After the first mowing of the spring, everything looks good again. Total extra cost is $0. T...
by TRC
Tue Apr 21, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 13659

How much do you pay in Property Taxes?

Our annual property tax bill just eclipsed $10,000 annually here in Central Massachusetts. We own a 4 BR / 3.5 BA / 2,600 sq foot home on 4.6 acres in a town that has a good to great school system (top 1/3 in the state). Fortunately we own our house outright, but that quarterly payment of $2,500+ st...
by TRC
Tue Apr 21, 2015 6:14 am
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 52
Views: 3682

Re: Car for teenager

A car is a great first step into adulthood for a teenager, both for the financial responsibility of saving for it as well as maintaining it (insurance, repairs, has, etc).

You'll get a better response once we know the budget she has set aside. How much has she saved up?
by TRC
Sun Apr 12, 2015 7:22 pm
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 5124

Re: Input wanted from BMW OWNERS

They are expensive to maintain and repair. Do you have other more specific questions?
by TRC
Sun Apr 05, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: smartphones
Replies: 24
Views: 2718

Re: smartphones

bowtie wrote:Yet, a look around will tell you that smartphones are clearly addictive to most....


This is a very good point. If you don't need one of your work / profession, I'd say don't get one if you don't really want or need one.
by TRC
Sun Apr 05, 2015 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college student or rent?
Replies: 34
Views: 3835

Re: Buy a condo for college student or rent?

Have a daughter that has 2 yrs left at a college in the city of Chicago. She doesn't want to live in dorm. Dorm housing now is around 10,000.00. Thinking instead of renting for around 1200.00 a month, buy a 1 bedroom for around 250,000.00 Monthly cost for this with mort. And all other costs about 1...
by TRC
Sun Apr 05, 2015 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Buy more expensive house to improve financial situation?
Replies: 37
Views: 5584

Re: Buy more expensive house to improve financial situation?

….(and is likely to continue to do better) than where I am located. The key word is likely, not "definitely", not "100% certainly". Take the experts advise from Bogle and others. Live below your means and invest for the long term in a well diversified index/tax efficient portfol...
by TRC
Sat Apr 04, 2015 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property purely for tax-saving reasons
Replies: 15
Views: 1646

Re: Rental property purely for tax-saving reasons

The more you make (salary) the fewer tax deductions you can take against rental properties. We are j the highest tax bracket and our rental property provides us with very little, if any, tax benefits.
by TRC
Sat Apr 04, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: VRBO rental gone awry- recourse for security deposit?
Replies: 50
Views: 6863

Re: VRBO rental gone awry- recourse for security deposit?

What does the rental agreement say regarding your checkout responsibilities / check list and their right to withhold your security deposit? I own a vacation rental and use homeaway / vbro. If I had to drive two hours each way to pick up a renters trash that was likely ripped apart by animals, receiv...
by TRC
Sun Mar 29, 2015 6:22 pm
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 14262

Re: Hate where we live, do we make major changes?

My wife & I hate where we live (upper NY)….remain indoors for 7 months of the yr, are tired of being cold/snowblowing/etc, and summers are too short and unpredictable. I live in MA so I feel your pain. Coming off of one of the worst winters in record doesn't help either. I do have a question th...
by TRC
Wed Mar 25, 2015 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need Some Advice-Recovered from Great Recession
Replies: 12
Views: 2044

Re: Need Some Advice-Recovered from Great Recession

Congrats on getting your financial house in order! Sounds like you've come a long way since 2008. To answer your question about renting vs. buying, I think it depends on how much we're talking about for a condo purchase. In theory, owning is better than renting in the long run assuming values don't ...
by TRC
Tue Mar 24, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 6376

Re: Where do I learn how much one SHOULD spend on a home?

What does your budget allow based on your current income after all other expenses? Ignore the "this is what you can afford rules". Look at your income and monthly expenses.
by TRC
Sun Mar 22, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rental properties
Replies: 25
Views: 3498

Re: Rental properties

We own 1 vacation rental (condo) at the beach. We rent it out for 8 weeks in July and Jaugustand just about break even. Way easier than long term rentals in my experience, since all the money is paid up front and they're only in there for a week. We also charge a lot ($3,300/week), so the price tend...
by TRC
Thu Mar 19, 2015 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Recruiters asking for current compensation
Replies: 54
Views: 5753

Re: Recruiters asking for current compensation

Am I justified in continuing to withhold my current comp? Do I have anything to lose by doing this? I don't think you should withhold comp details. This is sort of a 101 question for job searching. I've had a bunch of recruiters call me and I tell them up front what I'm making and what I'd need to ...
by TRC
Wed Mar 18, 2015 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Career Advice needed!
Replies: 20
Views: 2317

Re: Help! Career Advice needed!

Tech sales (software). She could probably start out as an inside sales rep making 50-70k in year 1. Field sales takes more time, but base salary is usually 6 figures and on target earning are multiple six figures. It's a hard job, but very lucrative if done correctly.
by TRC
Wed Mar 18, 2015 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property vs. REIT
Replies: 38
Views: 3787

Re: Rental property vs. REIT

One is a job. One is not.

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