Search found 1493 matches

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: 8074

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: 1801

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: 1562

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: 1610

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: 4085

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...
by TRC
Sun Apr 03, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: Cars with low profile tires
Replies: 23
Views: 1548

Re: Cars with low profile tires

I had a bmw 335xi with 19" rims and low profile summer tires. Looked awesome and handled amazing on smooth pavement. Terrible on bumpy roads. You could buy some OEM or aftermarket rims and tires.
by TRC
Sat Apr 02, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord requiring copies of SSN
Replies: 73
Views: 4502

Re: Landlord requiring copies of SSN

duplicate
by TRC
Sat Apr 02, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord requiring copies of SSN
Replies: 73
Views: 4502

Re: Landlord requiring copies of SSN

I would never consider renting from a landlord that required my SSN. I agree that that seems like an identity theft problem waiting to happen. So how exactly should a landlord perform a credit check without your SSN? Just take your word that you can afford to pay? I would also object to the credit ...
by TRC
Sat Apr 02, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord requiring copies of SSN
Replies: 73
Views: 4502

Re: Landlord requiring copies of SSN

I would never consider renting to a prospective tenant (or adding one to a lease) without running a credit check. As far as I know, the SSN is required to do that. +1. I used to own a 3 family it was my standard practice to run a credit check (requires SSN), require copies of pay stubs, and ask for...
by TRC
Sat Apr 02, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Real estate investing for retirement
Replies: 15
Views: 1475

Re: Real estate investing for retirement

Speaking from experience, being a landlord is a job.
by TRC
Tue Mar 29, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 3727

Re: Bro Trip suggestions?

White water rafting in Maine.
by TRC
Sun Mar 27, 2016 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Unwanted cold call from Mass Mutual agent
Replies: 45
Views: 3256

Re: Unwanted cold call from Mass Mutual agent

You're enraged over one cold call? What would two do to you? As others have already said, don't answer it if you don't know who it is. And even if you do know, you're still under no obligation to answer it. If I got enraged over every unwanted call we get I'd probably be dead by now. Life's too sho...
by TRC
Wed Mar 23, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord issues
Replies: 7
Views: 1036

Re: Landlord issues

Supposedly this guy is now or will be incarcerated for a long time. First he should find out is he in jail now or going to be going to jail? If it's M2M lease, he should send him a letter now telling him that he's decided to terminate the lease and it's time to move on. I'd have him talk to the ren...
by TRC
Tue Mar 22, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: 2012 Lexus ES350 vs. 2013 or 2014 Acura TSX
Replies: 6
Views: 723

Re: 2012 Lexus ES350 vs. 2013 or 2014 Acura TSX

Have you test drove both yet? Why not take each one for a long ride yet?
by TRC
Sun Mar 20, 2016 4:31 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 4247

Re: Want to buy 2014 Acura TSX - turned in lease

I love my TSX. You don't really need the tech package these days with GPS apps on smartphones, but it's nice to have for the backup camera. Also worth looking at a CPO Infiniti G37, Lexus IS, Lexus ES. I prefer Acura, though. Agreed. I have a 2014 TL SHAWD and honestly, the navigation is garbage. I...
by TRC
Sun Mar 20, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Importance of parental involvement in education.
Replies: 31
Views: 2386

Re: Importance of parental involvement in education.

My husband and I will move to another town in about 10 years. You already know that you will be moving and to where - 10 years down the road? How does that happen? I agree. A LOT can (and will) happen in 10 years. Seems silly to be worrying about this right now and if it's really that bothersome to...
by TRC
Fri Mar 18, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Saved half of income last year - struggling to see the point
Replies: 62
Views: 10871

Re: Saved half of income last year - struggling to see the point

I guess I'd just like to hear your perspective. How to continue self-motivating? Is there some avenue for spending this "extra" money that would actually improve my life? Should I set goals just to get a feeling of satisfaction from achieving them? Or am I just having a premature midlife ...
by TRC
Sun Mar 13, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: How to convince high NW father to dump his financial advisor?
Replies: 69
Views: 6439

Re: How to convince high NW father to dump his financial advisor?

Does he read? Maybe you should give him books periodically and let me come to his own conclusions? The one that woke me up and caused me to fire my financial advisor was Jack Bogle's The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns.
by TRC
Fri Mar 11, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: Grocery budget too high? Are there threads here on this? I tried searching
Replies: 62
Views: 4871

Re: Grocery budget too high? Are there threads here on this? I tried searching

We consistently spend $1,200 a month for a family of 4 (2 young kids). This does not include household or cleaning goods. Though we pride ourselves in buying high quality food that's not factory farmed. You only got one body! Feed it with the highest quality fuel sources you can find.
by TRC
Fri Mar 11, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Dogs & my mailbox
Replies: 37
Views: 2385

Dogs & my mailbox

It appears as though my mailbox and nicely landscaped area has become the public bathroom for all of my neighborhood dogs. I work from home and watch various owners walk their dogs past my driveway and every single one of them stops to do their business. I'm guessing it's a scent / territory thing t...
by TRC
Sun Mar 06, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 26
Views: 1741

Re: Riding Lawn Mower

Yooper - good call on the zero turn. I actually ended up getting zero turn end of last summer and now keep my deere tractor dedicated for blowing snow in the winter and put a loader on it during in the summer. I'm sure you know this, but using a zero takes some skill and there's a learning curve. I ...
by TRC
Sun Mar 06, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 26
Views: 1741

Re: Riding Lawn Mower

Getting ready to pull the trigger on a John Deere X390 with 48 inch deck (new) riding lawn mower. Total I have about 5.6 acres of grass to cut in the summer (beginning of May through late September - almost once a week during the peak growing season). Currently there's a $300 rebate through 14 Marc...
by TRC
Sun Feb 21, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24487

Re: Don't understand nutrition and exercise

The reality is that no one knows for sure Bunk. Everyone knows. It's not complicated. Don't eat lots of fatty and sugary processed food, eat lots of veggies, don't eat too much, do some exercise (pretty much all kinds are great). That's it. Not so fast. Fat doesn't make you fat. http://time.com/966...
by TRC
Sun Feb 21, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24487

Re: Don't understand nutrition and exercise

I like following beachbody programs and their nutrition plans. If you want to get lean and lose the gut, I recommend trying P90X3 or T25.
by TRC
Wed Feb 17, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for 100 jobs, no callbacks. What's up?
Replies: 103
Views: 8571

Re: Applied for 100 jobs, no callbacks. What's up?

I'd suggest taking a different approach. Find an "in" to the company you want to work for. LinkIn with that person, then introduce yourself and see if they can refer you into the process. Or target the hiring manager and contact that person directly. Or work with a recruiter. A "spray...
by TRC
Mon Feb 15, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a new bed recently? [Mattress]
Replies: 49
Views: 4635

Re: Anyone bought a new bed recently?

Not sure where you live, but if you're in New England, check out "Gardner Mattress". We ended up throwing out our 2 year old Serta Icomfort after it became more saggy than a hammock. Gardner is made local, the old fashioned way.
by TRC
Mon Feb 15, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 12924

Re: Guns for hunting/defense

martin7 wrote:What guns do you own and what would you like to own either for hunting or for self defense?


It depends. How many situations have you been in where you needed a gun for self defense?
by TRC
Sat Feb 13, 2016 10:34 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 12677

Re: Weight Loss Plans?

Eat real food 90% of the time. Limit the bad food and alcohol to one day a week. Exercise moderately for 30 minutes a day, or just go for a brisk walk.
by TRC
Wed Feb 10, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: Motivation to do Yoga / stretch more
Replies: 32
Views: 2317

Re: Motivation to do Yoga / stretch more

I try to do Yoga once a week. It really does wonders for my back. I've tried lots of DVDs and classes. Honestly, the best Yoga progam I've done is from P90X (Tony Horton). It's long - like 90 minutes, but I usually split it up and so that I do half of the program. It's truly an amazing yoga workout.
by TRC
Mon Jan 25, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Another 100% stock thread!
Replies: 33
Views: 2983

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: 2783

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: 2133

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: 2031

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: 3581

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: 1760

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: 3131

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: 7850

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: 7850

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: 12807

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: 1788

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: 7225

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: 1781

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: 3256

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: 3871

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: 56
Views: 6320

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: 4268

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: 2855

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: 2758

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: 3032

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...

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