Search found 1746 matches

by TRC
Sat Feb 25, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Another milestone post
Replies: 29
Views: 1283

Re: Another milestone post

Congrats! That must be a great feeling. Do you have any lessons learned to share with the younger generation? If possible always LBYM but don't wait until you retire to start living (good health is not guaranteed). Spend your money on what is important to you, not what is important to everyone else...
by TRC
Sat Feb 25, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Another milestone post
Replies: 29
Views: 1283

Re: Another milestone post

Congrats! That must be a great feeling.

Do you have any lessons learned to share with the younger generation?
by TRC
Sat Feb 25, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 67
Views: 4206

Re: Does anyone else have (possibly too much) fun dealing with finances?

It's fun watching it grow, especially in a record bull market like we're in now. It's not fun watching it shrink. These past 2 years have been pivotal for me as my gains are now outpacing my contributions. But as far as "dealing with finances", there's not much to deal with. Rebalancing oc...
by TRC
Thu Feb 23, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Ritz/Marriott vacation club - please share positive experience
Replies: 9
Views: 816

Re: Ritz/Marriott vacation club

You can easily rent one on VBRO or redweek. We rented a 2 BR condo at the Westin Villas in Maui last month from a timeshare owner. 11 nights for $4,300. Do not buy!
by TRC
Thu Feb 23, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Banks with 2 factor authentication?
Replies: 18
Views: 1160

Banks with 2 factor authentication?

I've taken some serious measures to increase my password hygiene on all my sites, using 2 factor authentication where ever possible. Sadly, our Bank does not offer 2 factor and their password complexity rules are pretty weak. We're thinking about switching to a bank that takes security seriously and...
by TRC
Thu Feb 23, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 76
Views: 4245

Re: Market Run Ups - Now vs. Then

You can't control what the market does. What you can control is:

- Continuing to invest during good times and bad.
- Rebalance when your asset allocation gets out of whack.
- Ignore the noise
by TRC
Wed Feb 22, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Drones in arizona
Replies: 34
Views: 2608

Re: Drones in arizona

I wonder how people would feel if the drones weren't so loud. Exactly the same I am guessing, because they are NOT loud! They sound like a swarm of bees when close to the ground, once they reach cruising altitude you can't even hear them. These things are battery powered folks. Nope. First time I e...
by TRC
Wed Feb 22, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Getting the snip: Should it be me or my partner?
Replies: 13
Views: 1433

Re: Getting the snip: Should it be me or my partner?

Happy wife, happy life.
by TRC
Tue Feb 21, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Drones in arizona
Replies: 34
Views: 2608

Re: Drones in arizona

I just ordered the DJI Mavic Pro. Haven't flown it yet, but it looks pretty awesome!
by TRC
Tue Feb 21, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6241

Re: Which puppy to buy: golden retriever or labrador retriever?

Wow, everyone is going easy on you. I posted a thread "what to ask a puppy breeder" last Friday and got lit up for even considering buying a puppy! viewtopic.php?f=11&t=211359&p=3244016#p3244016
by TRC
Mon Feb 20, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Cost of tax preparation
Replies: 43
Views: 3233

Re: Cost of tax preparation

Wow, I feel like we're getting a really good price considering what others are paying. Our return isn't very complex: - we both work - we own our primary residence and a rental property - we own a small business that produces a few thousand a year in passive income - outside of our 401ks we have a t...
by TRC
Mon Feb 20, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: economics of landlording
Replies: 46
Views: 4049

Re: economics of landlording

I'm in a similar situation and often ask myself the same question. Ours is a bit different though. We bought a beach condo about 2 hours from our house that we rent out in the summer. Purchase price in 2010 was $405K. It has not appreciated that much, probably worth $425K now based on the last one t...
by TRC
Sun Feb 19, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 29
Views: 5111

Re: Tracking progress to $1M portfolio and no mortgage by 40

Nice job! I'm also in Tech Sales, wife & I are both 39. We paid our house off by mid 30s and our portfolio is around 1.2M. We've learned to live off my base and invest the commissions & bonus checks. It's crazy how fast things can grow once you get near the 7 figure mark. Stay away from the ...
by TRC
Sat Feb 18, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2391

Re: New car for wife and what to do with old car

You don't gain much by going to a compact SUV over an accord for interior space. As others have said, an odyssey is the ultimate family vehicle. You really don't appreciate it though until you have kids and until you try other vehicles. The "aha" moment came for us when replaced my wife's ...
by TRC
Sat Feb 18, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 59
Views: 3258

Re: New cars or Pool?

We realize both are bad investments but torn between the two. We have 2 old, paid off cars which we are considering replacing with a new Toyota 4Runner and a Nissan Leaf for around town driving. The cars are showing their age and repairs are part of our budget around $175/mo. Our kids are 4 and 6 s...
by TRC
Sat Feb 18, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14776

Re: Why do you go to restaurants?

Yesterday was my wife's birthday and we went to OUTBACK steak house with our younger son. We ordered steaks and lobsters and paid about $78. The steaks were over-cooked and were not as good as what my wife cooked at home. My wife likes to go to restaurants, mostly with her girlfriends, since I do n...
by TRC
Sat Feb 18, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 35
Views: 4964

Re: The russians are hacking me

I have a LogMeIn.com account which I do not use and in which I have no stored passwords. I got an email this morning that an attempt had been made to try to access my LogMeIn account, here's the snippet: There was a failed login attempt to your LogMeIn account. LogMeIn ID: xxx@xxx.xxx Time of Event...
by TRC
Fri Feb 17, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1573

Re: What to ask puppy breeder?

hypo allergenic dog....The haters on this forum assume things way too quickly. I've heard of hypoallergenic hand lotion and earrings but dogs? Really? What happens when the dog is out for a walk and various allergy producing critters attach themselves to its fur? . So are you suggesting a chipmunk ...
by TRC
Fri Feb 17, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1573

Re: What to ask puppy breeder?

hypo allergenic dog....The haters on this forum assume things way too quickly. I've heard of hypoallergenic hand lotion and earrings but dogs? Really? What happens when the dog is out for a walk and various allergy producing critters attach themselves to its fur? . So are you suggesting a chipmunk ...
by TRC
Fri Feb 17, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1573

Re: What to ask puppy breeder?

Creating a market demand by buying bred dogs makes them breed more. If people stopped buying dogs from breeders, people would stop breeding them. Never going to happen. Some people will always want a specific breed and a puppy. It isn't nefarious. Especially when one is in need of a small / hypo al...
by TRC
Fri Feb 17, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1573

Re: What to ask puppy breeder?

Hello Bogleheads, My DW and I will be visiting a Cavapoo Puppy Breeder tomorrow in hopes of finding a new addition for our family. These are expensive dogs and a big decision for our family to make sure it's a right fit. What questions should we ask to verify the dog's health and well being? At thi...
by TRC
Fri Feb 17, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1573

Re: What to ask puppy breeder?

This post makes me very sad. Millions of dogs die in shelters every year and yet people breed more. Yup and people will continue to breed their dogs for puppies. They need a home too. Creating a market demand by buying bred dogs makes them breed more. If people stopped buying dogs from breeders, pe...
by TRC
Fri Feb 17, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1573

What to ask puppy breeder?

Hello Bogleheads, EDIT - I'm in the market for a small Hypo-Allergenic dog . Unfortunately these don't exist at my local animal adoption or animal rescue centers. I've searched extensively throughout New England . My DW and I will be visiting a Cavapoo Puppy Breeder tomorrow in hopes of finding a ne...
by TRC
Wed Feb 15, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: How to fund repairs for a rental property
Replies: 7
Views: 577

Re: How to fund repairs for a rental property

I had a HELOC on a rental property once. Have you shopped around?
by TRC
Tue Feb 14, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: 200K cash, should I pay off rental property or open taxable account?
Replies: 13
Views: 726

Re: 200K cash, should I pay off rental property or open taxable account?

I own a rental property that I could pay off today if I want. I break even and have no intentions of paying it off early because: - It only has 9 years left on the 15 year note - It's 3% interest - It's other people's money paying off the rental - I get a tax deduction with other people's money - Ou...
by TRC
Thu Feb 09, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 2066

Re: Deal on 2016 CPO Honda Odyssey

We bought a new 2016 EXL w/ RES new, out the door for 34K. I would look for new for peace of mind. That being said, if you can get that one for 25K, I'd be tempted. Also, do you like / need NAV? I have the same Nav in my Acura TL and it's tedious to put an address in and does not take into considera...
by TRC
Sat Feb 04, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: 100k- to invest or put toward mortgage?
Replies: 20
Views: 3101

Re: 100k- to invest or put toward mortgage?

I think this depends on 2 questions: How much do you think you'll need for retirement? Are you on track to hit that mark? When do you plan to retire? I'm a fan of paying off the house (we did in our 30s), but at age 48 retirement is not too far off. If you feel your retirement nest egg is underfunde...
by TRC
Sat Feb 04, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comfortable car seat
Replies: 19
Views: 1098

Re: Seeking comfortable car seat

If you want to stick with a Sedan, I'd check out the Toyota Avalon or Lexus ES. VERY comfy seats.
by TRC
Fri Feb 03, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Stress & The Mind/ Brain & Sleep & Behavior Modfication
Replies: 19
Views: 1811

Re: Stress & The Mind/ Brain & Sleep & Behavior Modfication

I hope this thread doesn't get locked as I've also battle chronic insomnia for months at a time. My issue was waking in the middle of the night and not being able to fall back asleep....literally EVERY, SINGLE, NIGHT. It was debilitating. I tried every natural thing you can think of and finally reso...
by TRC
Tue Jan 31, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Another can I afford this $2M house thread...
Replies: 70
Views: 6961

Re: Another can I afford this $2M house thread...

Personally I would not borrow from mom and dad. Too many potential complications to list, not to mention the fact that you are independent professionals who are more than qualified for a bank loan.
by TRC
Tue Jan 31, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Building Forever House - Can we afford it? Should We?
Replies: 20
Views: 1858

Re: Building Forever House - Can we afford it? Should We?

Will it be the most expensive house in the neighborhood? Will it be the most expensive house in your town? Give us an idea of surrounding values.
by TRC
Sun Jan 29, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 5189

Re: Please tell me if I can afford this Porsche

You can afford it, but you have a massive amount of debt. Why not pay off your debt and reward yourself with a Porsche? At your income level, you should be able to do it very quickly.
by TRC
Sun Jan 29, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 3826

Re: Humble brag finally got admiral shares in taxable account

Congrats! As others have said, stay the course and keep investing. It's astonishing how much our portfolio has grown in the last 9 years.
by TRC
Sun Jan 29, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: 529 plan for unborn child
Replies: 22
Views: 1702

Re: 529 plan for unborn child

We did this with our first child and had my wife as the beneficiary. After my son was born, we changed the beneficiary to him.
by TRC
Sat Jan 28, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Calculating Net Worth
Replies: 20
Views: 2960

Re: Calculating Net Worth

Ron Scott wrote:
Would you really list all your assets in a statement to a condo board if you had more than needed? (Why do they need to know?)



Unless they're financing your loan, this is none of their business. I would never give this to them.
by TRC
Sat Jan 28, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Car Guy question
Replies: 61
Views: 5813

Re: Car Guy question

I had a new BMW 335XI but traded it just before the warranty was up. Since then I've only owned Acura or Lexus.
by TRC
Sat Jan 28, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 5983

Re: where to retire?

I have been searching for a mild climate to retire. I live 1/2 mile from the beach in Southern California so looking for the good lifeCriteria: Excellent weather- don't care for much rain and no snow Seattle Washington Scottsdale, AZ Austin TX Bend, OR Portland, OR Albequerque, NM Hawaii but where?...
by TRC
Wed Jan 25, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner with Investment Questions
Replies: 6
Views: 645

Re: Beginner with Investment Questions

What fund options are available in yours and hers 401k?

If it were me, I'd:

Max out both 401ks. Or at least contribute to get the maximum match.
Max out Roth IRAs
If money left over, contribute to a taxable account.
by TRC
Wed Jan 25, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 63
Views: 7502

Re: Carribean island most like Hawaii

We just got back from a 2 week vacation in Maui and it's in a league of its own. Our family is also east coast and we've been to the Caribbean 10+ times. So glad we went back to Hawaii....though it was a long flight! That being said, I can't think of any Caribbean islands that stack up. I will say t...
by TRC
Tue Jan 24, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 41
Views: 5648

Re: Biting the bullet and getting off the roof.

A lot of the leaf guard gimmicks can promote ice damns in the winter. Just hire someone to clean them for you.
by TRC
Mon Jan 23, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 3911

Re: Is Little League Slowly Dying?

The participation trophy, everyone is a winner zealots have tried to ruin it. LOL. Guessing you've never been a part of this process. It's a cheap plastic medal that get's tossed by the wayside in less than an hour. The fact that it's slow and at times tedious (and boring) sport that now has more c...
by TRC
Mon Jan 23, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 3911

Re: Is Little League Slowly Dying?

Definitely dying in our town. My son played coach pitch & baseball from preschool through second grade. He really didn't enjoy it either. 3rd grade he played Lacrosse instead and LOVES it.
by TRC
Mon Jan 23, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Hoping to retire within 20 years - advice/comments appreciated!
Replies: 8
Views: 1648

Re: Hoping to retire within 20 years - advice/comments appreciated!

How much will you need for retirement? What's your anticipated spending? Do you have kids? Do you plan to have them?
by TRC
Sun Jan 22, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Expense tracking app
Replies: 5
Views: 636

Re: Expense tracking app

You need a budget (ynab)
by TRC
Sun Jan 22, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Roto-molded cooler suggestions, like Yeti
Replies: 20
Views: 1974

Re: Roto-molded cooler suggestions, like Yeti

We've tried a bunch of coolers an finally bit the bullet and bought a yeti. It's a beast and is amazing in terms of performance and build quality. This should last my entire adult life and then some. You get what you pay for.
by TRC
Sat Jan 21, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 36
Views: 5041

Re: Instant Pot - your favorite uses?

They recently legalized pot here in MA. I haven't tried "instant pot" before. What's it like?
by TRC
Fri Jan 20, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: AA advice requested for married couple 37 yrs old
Replies: 17
Views: 1856

Re: AA advice requested for married couple 37 yrs old

I think you’re doing well, though I’m not sure your next egg is where it needs to be to retire at 55. Doing some simple math: You’re current nest egg is $116K. Future contributions of $36,500 per year for 18 years (till age 55) gives you the following: At 4% return - $1.2M, withdrawing 3% gives you ...
by TRC
Thu Jan 19, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Never had a credit card, should I get one?
Replies: 71
Views: 2883

Re: Never had a credit card, should I get one?

I used to use my Debit Card for everything. I was very anti credit card. Then our debit card account # got compromised and we lost money. We eventually got it back, but it was a hassle. Now we primarily use our credit card and get 2% cash back.
by TRC
Wed Jan 18, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity [Customer Service Reputation]
Replies: 73
Views: 5312

Re: Vanguard vs. Fidelity [Customer Service Reputation]

I just transferred 50% of my IRA from Vanguard to Fidelity, to take advantage of Fidelity's cash bonus offer. It's just been a few days, but already I am impressed with the increased amount of communication from Fidelity compared to what I get from Vanguard. Does Fidelity have a better reputation f...

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