Search found 1699 matches

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: 1625

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: 2442

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: 4873

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...
by TRC
Sun Jan 15, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage
Replies: 14
Views: 1491

Re: Paying off mortgage

Go for it! The "I need a mortgage tax deduction" is a bit of a misnomer. You’re effectively paying the bank a dollar to save a quarter.
by TRC
Fri Jan 13, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Bonded Leather
Replies: 12
Views: 1076

Re: Bonded Leather

We had a bonded leather ottoman that fell apart shortly after we bought it. We really liked the piece, so we had it re-upholstered.
by TRC
Fri Jan 13, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: downhill skiing
Replies: 32
Views: 2255

Re: downhill skiing

My mom did at 75 because she had a heart attack with me the last time she skied.
by TRC
Thu Jan 12, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Doing an intra-family loan
Replies: 18
Views: 975

Re: Doing an intra-family loan

The cons outweigh the pros in loaning money to family members.
by TRC
Wed Jan 11, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 2596

Re: Trip to Kona, Hawaii - Suggestions

If you've got asthma, be aware of VOG: http://www.konaweb.com/vog/ It's real and forced us to end our vacation on Kona early, two years ago. I'll second this. I'm on Maui now wrapping up a 2 week vacation and my allergies (and allergy induced athsma) have never been this bad. I wasn't sure what it ...
by TRC
Tue Jan 10, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3313

Re: Teeth whitening

After years of drinking iron-rich well water, my teeth are kind of yellow. I am thinking about getting a teeth whitening at my dentist's office. But I have heard mixed results. So please let me know if you have done a teeth whitening, did it work and what method/brand did your dentist use? I think ...
by TRC
Tue Jan 10, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Acura/ Honda Airbag Recall - Tired of waiting
Replies: 12
Views: 916

Re: Acura/ Honda Airbag Recall - Tired of waiting

Call them; they won't call you. I finally called in December and the dealer immediately said, "come on down, we have parts" That's for sure. I have a 2014 Acura TL and received a notice MONTHS ago. My wife just reminded me that we've recieved nothing further from them or my dealer, so I g...
by TRC
Fri Dec 30, 2016 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any benefits to achieving "great wealth"?
Replies: 106
Views: 8004

Re: Are there any benefits to achieving "great wealth"?

That is an issue that shows up in Bogleheads. Great wealth seems to still mean spending as little as possible. I don't really understand the grip some here have on their money. I don't mean one should spend wildly and out of control. But, someone with millions of dollars.... a $50k car is nothing. ...
by TRC
Fri Dec 30, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Are there any benefits to achieving "great wealth"?
Replies: 106
Views: 8004

Re: Are there any benefits to achieving "great wealth"?

OK Bogleheads, I have achieved what I consider "great wealth". I am not Donald Trump wealthy, nor CEO wealthy, nor San Francisco wealthy. But for a person who doesn't fit the previously listed criteria, I have achieved "great wealth". I'm in the 99th percentile by age, according...
by TRC
Fri Dec 30, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Mass residents switching to Fidelity 529?
Replies: 3
Views: 229

Re: Mass residents switching to Fidelity 529?

I live in MA and don't plan to switch.
by TRC
Fri Dec 30, 2016 8:33 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6444

Re: Affordable home exercise

Any suggestions on low cost in-home exercise equipment? My budget is tight and my joints are young so I don't need anything fancy. I live in a rough neighborhood and sadly can't jog/bike/walk outdoors too safely, and have a budget of about $150, total. I'm not into weights (though I have a few) and...
by TRC
Thu Dec 29, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help Parents Again?
Replies: 63
Views: 4475

Re: Help Parents Again?

You're in a lose / lose situation. If you're going give them money again, treat it as a gift and set the expectation that this is the LAST bailout. Giving them money again would be the absolute last option in my opinion. They obviously don't know how to manage their money and can't crop their spendi...
by TRC
Wed Dec 28, 2016 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Sell or Keep the rental?
Replies: 5
Views: 466

Re: Sell or Keep the rental?

beingzero wrote:...Need help figuring out to sell or keep a rental we own in a different state:


For me, I would never own a rental that I could not easily get to.
by TRC
Wed Dec 28, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 10777

Re: At what age, income, and NW would you buy a $50k car?

I bought a 2008 335XI new back in 2007 when I was 30. I think I paid 48K cash. That year I probably made ~400K and it was a celebration gift for a big deal I closed. I sold it a few years later since we had kids.
by TRC
Mon Dec 26, 2016 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Real Estate Vs. Stocks - all-time returns
Replies: 19
Views: 2379

Re: Real Estate Vs. Stocks - all-time returns

Real Estate values are totally dependent on local conditions. As an example, in 2010 we bought a 4BR/3BA beach house / summer rental property in Maine at the beach for 405K. We put down 200K with a 15 year note. 6 years later, we owe about 150K and it's only worth about 420K. Had we invested 200K in...
by TRC
Mon Dec 26, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: 16 yo, first book on investing
Replies: 28
Views: 1611

Re: 16 yo, first book on investing

Automatic Millionaire by David Bach is a great "all around" personal finance book that talks about the value of living below your means, saving, investing, good debt vs. bad debt. Personally I'd have him read this before any type of "how to invest" book.
by TRC
Mon Dec 26, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Snowblower: lubricating discharge chute?
Replies: 20
Views: 2106

Re: Snowblower: lubricating discharge chute?

My brother swears by WD40.

Personally I ditched my walk behind snowblower and picked up a John Deere Diesel Garden Tractor with 47" shaft driven blower that is a tank!
by TRC
Sat Dec 24, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Real Estate - buying my first investment property in Charleston, SC
Replies: 11
Views: 1298

Re: Real Estate - buying my first investment property in Charleston, SC

I would never own a rental property that was out of reach for me to drive to in a pinch. No one (including a property manager) will care more about a rental property than the owner. FYI - I own an summer rental investment property 2 hours from where we live. While it's been a great investment for us...
by TRC
Fri Dec 23, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 6980

Re: Hard Endeavor/Exercise in Middle Age

I'm 39 years young. Mt biking and kitesurfing are my passion. Crazy adrenaline rushes and I don't feel like I'm exercising when I do them.
by TRC
Thu Dec 22, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $10k bonus
Replies: 16
Views: 1796

Re: What to do with $10k bonus

I'd pay off the auto loan. Then take that monthly payment and put it towards your student loan.
by TRC
Thu Dec 22, 2016 7:31 am
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 2248

Re: Shoes for flat-footed over-pronators

For casual shoes, Toms are unbelievably comfortable: http://www.toms.com/
by TRC
Thu Dec 22, 2016 7:20 am
Forum: Investing - Theory, News & General
Topic: What are the REAL reasons to avoid international?
Replies: 71
Views: 5240

Re: What are the REAL reasons to avoid international?

Everyone seems to think international has higher expected returns going forward than the US. That is enough for me to avoid it. What does your long term asset allocation plan indicate for your international allocation? Is international in it? If so, what %? It sounds like you're listening to the &q...
by TRC
Tue Dec 20, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 61
Views: 5643

Re: Honda Pilot vs Toyota Highlander?

If it were me, I'd be looking at a pre-owned MDX or Lexus - 2012 - 2014. Probably not that much more money compared to a Highlander or Pilot.
by TRC
Mon Dec 19, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two weeks notice around the holidays
Replies: 58
Views: 4359

Re: Giving two weeks notice around the holidays

Have you officially signed the offer letter and received a starting date in writing? If not, I'd hold off on giving our notice till you get that.

Every company is different, but the times i've given my 2 week notice they've never kept me on the network doing work past 1 week.
by TRC
Mon Dec 19, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Coach bag for wife - how to buy
Replies: 73
Views: 5253

Re: Coach bag for wife - how to buy

Find a coach outlet. You can buy them much cheaper there.
by TRC
Sat Dec 17, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7233

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

I'm an advocate of snow tires. Though I'm literally in Portland, ME today with our new Honda Odyssey (no snow tires yet) and it dumped 5" today. The roads were terrible, but we made out fine with FWD and all seasons. I think there's a lot of technique driving in snow...ie. don't pass one the hi...
by TRC
Sat Dec 17, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Disney World vacation recommendations
Replies: 10
Views: 963

Re: Disney World vacation recommendations

Mouse Savers is worth looking at
by TRC
Fri Dec 16, 2016 8:30 am
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 70
Views: 77625

Re: What temperature for house for long winter absence?

We own a beach house in Maine that's seldom used in the winter. For the last 6 winters, we've left the thermostat at 50 degrees and have had no issues. Note, we do not drain the pipes or do any type of winterization.
by TRC
Thu Dec 15, 2016 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 37
Views: 3119

Re: 4runner vs. Highlander?

4runner is an awesome vehicle, but it's getting a bit "long in the tooth" and is long overdue for a makeover. That also means its legendary reliability can be counted upon. You're always rolling the dice with revamped models. 4 runner has had several major revisions over the years: First ...
by TRC
Thu Dec 15, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 37
Views: 3119

Re: 4runner vs. Highlander?

4runner is an awesome vehicle, but it's getting a bit "long in the tooth" and is long overdue for a makeover. That also means its legendary reliability can be counted upon. You're always rolling the dice with revamped models. 4 runner has had several major revisions over the years: First ...
by TRC
Thu Dec 15, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 37
Views: 3119

Re: 4runner vs. Highlander?

4runner is an awesome vehicle, but it's getting a bit "long in the tooth" and is long overdue for a makeover. Rumor has it 2018 could be the year.
by TRC
Mon Dec 12, 2016 10:11 am
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 138
Views: 10376

Re: How Did You Become A Boglehead? What Led You Here?

Realizing I was getting ripped and under performing the market off with my "advisor" at Smith Barney. I bought some books on Index Funds...the one that hit home was Jack Bogle's "Common Sense Investing". That book led be to Bogleheads in 2008 after the financial meltdown. Hard to...
by TRC
Mon Dec 12, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Any way to improve single stage snowblower?
Replies: 19
Views: 1336

Re: Any way to improve single stage snowblower?

I have no experience with a single stage blower, but if your driveway is big enough, you may want to look into a heavy duty garden tractor with a snowblower attachment. It makes snowblowing amazingly easy. Plus you can get a mower deck for the summer and some even accommodate a front end bucket / lo...
by TRC
Sun Dec 11, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any problems with index fund with low assets < 100 mil?
Replies: 9
Views: 1214

Re: Any problems with index fund with low assets < 100 mil?

If it's a true index fund, I don't see why the total funds invested matters.
by TRC
Fri Dec 09, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2269

Re: HELP: salary negotiation

I took a negotiation class with the FBI's #1 hostage negotiatior. His "go to question" for all negogotioans is to say the following: "how am I supposed to do that?"
by TRC
Fri Dec 09, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: Where to purchase tea
Replies: 13
Views: 1319

Re: Where to purchase tea

Lipton? :wink:
by TRC
Wed Dec 07, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: What to get a 13 Y/O who's interested in money?
Replies: 32
Views: 1620

Re: What to get a 13 Y/O who's interested in money?

Hi TRC, I recommend getting him a copy of "The Teenage Investor" by Tim Olsen. Tim wrote the book and had it published at age 13. It's the perfect book for a young Boglehead. Used copies and the Kindle edition are still available. Tim was on the Morningstar Vanguard Diehards Forum when he...
by TRC
Wed Dec 07, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: What to get a 13 Y/O who's interested in money?
Replies: 32
Views: 1620

Re: What to get a 13 Y/O who's interested in money?

How about a baseball glove or a pocket knife? :| I agree. Thirteen today, fifty tomorrow. :( I think this is misguided. I'd have loved to have learned about money and finances in my teens and wish someone would have taught me. Instead, I made terrible decisions throughout my 20's and still am barel...
by TRC
Wed Dec 07, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: What to get a 13 Y/O who's interested in money?
Replies: 32
Views: 1620

What to get a 13 Y/O who's interested in money?

My nephew who's 13 years old is very interested in money and developing wealth. He's won a number of sales contests at his school selling raffle tickets, charitable donations, etc. As a sales person myself (tech sales), I think he's going to go very far in life financially and I'd like to take him u...
by TRC
Tue Dec 06, 2016 9:12 am
Forum: Investing - Help with Personal Investments
Topic: How much risk do we need to take? Retired at age 47.
Replies: 56
Views: 6302

Re: How much risk do we need to take? Retired at age 47.

I don't have advice for you, but I'd love to hear your story as to how you amassed this much and retired early. Care to share your story and lessons learned?
by TRC
Tue Dec 06, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2384

Re: Lost: Could really use some advice on our next round of financial goals

I think you are undervaluing the importance of tax advantaged investment space, especially at your ages/income level. I would prioritize: 1.) max both 401ks 2.) max backdoor Roth IRAs +1. This is a no brainer IMO. Then it depends on your priorities after this. I'm a firm believer in balance....be f...
by TRC
Mon Dec 05, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 7149

Re: Men's Fashion - Best Bang for Buck

+1 for Charles Tyritt dress shirts. I prefer the slim fit, non iron. Best fitting shirts I've ever had. I just picked up 4 for $33 a piece!
by TRC
Thu Dec 01, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: Time to buy a vehicle - New vs Used Math Sanity Check
Replies: 24
Views: 2831

Re: Time to buy a vehicle - New vs Used Math Sanity Check

OP - I'm also looking at 4Runners in the age range you researched. A couple questions for you. What trim are you looking at and what were the defining characteristics of that particular trim? Toyota is known for their durability and low maintenance. Any concerns with the 4Runner? Former 2014 sr5 4R...
by TRC
Wed Nov 30, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 10587

Re: Feeling like you've "made it"

Go easy on yourself, though I'm guilty of the same self-criticism. If it makes you feel any better, my NW was about the same back in 2009 when I was 31. I'm about to turn 39 and it's just crossed 2.1M. It's amazing how quickly it can grow if you stay diligent to your habits.
by TRC
Thu Nov 24, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 3247

Re: Living near a Quarry

Depends how close you're talking. We live near a quarry - probably about 1 mile as the crow flies. The only negative I would say is the occasional blast that sounds like some thunder in the distance. Doesn't bother us one bit. If you drive on the main road down near the quarry, there is dust on the ...
by TRC
Mon Nov 21, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: Guys Long Weekend
Replies: 11
Views: 1281

Re: Guys Long Weekend

Pretty sure any major city fits the bill for what you're looking for.

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