Search found 1846 matches

by TRC
Sun Feb 04, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: How much to spend on a backyard?
Replies: 35
Views: 2767

Re: How much to spend on a backyard?

If you're not planning to sell anytime soon, I wouldn't even think about it in terms of what it could add for value. Do what makes you happy. FWIW, we added a pool, paver deck, retaining walls, multiple patios, etc. Total cost was about 120K and we absolutely love it. We also didn't do this till our...
by TRC
Sun Feb 04, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 260
Views: 14243

Re: For BHs who actually like cars - what is your daily driver?

I have 2.

90% of the time I drive my 2017 Toyota Tacoma (quad cab, long bed). Love this thing!
10% of the time I drive my 2014 Acura TL SH AWD. Normally I drive this if I have meetings in the city.
by TRC
Fri Feb 02, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Trex Decking Without Fascia
Replies: 27
Views: 1560

Re: Trex Decking Without Fascia

Make sure they “picture frame” the deck to hide the butt ends of the trex. Google it.

FWIW - we rebuilt our deck with azek composite several years ago. It’s held up well, but faded quite a bit. My inlaws used a composite product called “kleer” composite and it’s hardly faded in their deck.
by TRC
Sat Jan 27, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Universal Studios FL - Express Pass?
Replies: 15
Views: 666

Re: Universal Studios FL - Express Pass?

It appears Saturday night is either much more popular or much more expensive. I did a quick look at a Friday night and it was $300 to $400 for regular rooms, Saturdays it was in the $2000's for a suite. No regular rooms available the Saturday night I looked at. Best of luck, great deal on the passe...
by TRC
Sat Jan 27, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Universal Studios FL - Express Pass?
Replies: 15
Views: 666

Re: Universal Studios FL - Express Pass?

The express passes will allow you to easily do all the attractions in both parks on a single day with lots of walking of course. Might not help in your situation but one tip is that if you stay at one of 3 on-site Universal Hotels (Hard Rock, Portofino, or Royal Pacific) for 1 night you get express...
by TRC
Sat Jan 27, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Universal Studios FL - Express Pass?
Replies: 15
Views: 666

Universal Studios FL - Express Pass?

Hi Everyone, We're headed to Orlando next week and will be hitting both Universal Studios Parks on Saturday, 2/3. For a family of 4, tickets will cost us $650. The optional Express Pass tacks on another $459. The Orlando Informer predicts this day to be slow and does not recommend buying Express Pas...
by TRC
Fri Jan 26, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Don't market time...i know, i know.
Replies: 34
Views: 4497

Re: Don't market time...i know, i know.

More than you need? Sure - move your age % to a total bond market index fund.

If you're in retirement and you have a 95 / 5 portfolio, now is the perfect time to move to a sensible asset allocation.
by TRC
Fri Jan 26, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12640

Re: Starting to feel like the late 1990s?

I work in tech and I agree - these tech IPOs and soaring Tech stocks scare me a tad. Unicorns that are going public have increasing Annual Recurring Revenue, but most are losing money hand over fist. It seems like Wall Street just cares about increasing ARR and doesn't factor in whether or not compa...
by TRC
Fri Jan 26, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12619

Re: When did the bad news start in 2008?

It sounds like you're trying to time the market. Don't do that - it's a loser's game. Decide on an AA strategy and stick to it, no matter what! Keep investing, no matter what. And tune out the noise. I've been investing since 2000 - through the dot com bust and the 2008 financial melt down. Both hap...
by TRC
Fri Jan 26, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Seeking Advice On Overall Portfolio and Higher Risk Investments
Replies: 4
Views: 366

Re: 25 Year Old Seeking Investment Advice

Keep it simple and do a 3 fund portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio I tried and true approach is to hold your age in a total bond index fund and the difference in a total stock market index fund and a total international index fund (70 % / 30% respectively. If you don't ha...
by TRC
Tue Jan 16, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 13147

Re: Can We Retire in Hawaii? Please Critique

Can't really comment on your financials, but did want to share my dream of eventually winter'ing in Maui November - April and living in Maine the rest of the year. We plan to do that in our early 50s. My plan is long term rentals for the first year or 2.
by TRC
Sat Jan 13, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Paid mortgage: Now what do I do?
Replies: 21
Views: 2700

Re: Paid mortgage: Now what do I do?

I would get a no closing cost Home Equity Line of Credit (HELOC) so that in the event of an emergency, you can tap the money if you ever need it. Do this while you're employed. If you ever became disabled, it would be a lot more difficult to get to get this.
by TRC
Wed Jan 10, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4149

Re: Men's no iron dress shirt recommendations

Bonobos Tailored Fit.
by TRC
Fri Jan 05, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Water filtration system - worth it?
Replies: 37
Views: 2800

Re: Water filtration system - worth it?

Every few years I have to have the plumber come out and replace some faucets because white crud has accumulated on them and nothing removes it. I've tried wiping them dry after every use, but that gets old fast. Would a water filtration system prevent this? We have the same issue. For us, this is d...
by TRC
Thu Jan 04, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 8281

Re: Goodbye Capital One 360!!

I've also been using Capital One since the ING Direct Days back in the early 2000's. I use it for my Emergency fund and literally log in once or twice a year. No issues here.
by TRC
Thu Jan 04, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Paying off mortgage before investing at all?
Replies: 75
Views: 7832

Re: Paying off mortgage before investing at all?

No one has a crystal ball and each person is entitled to their own investment approach. He paid cash for a house while the stock market soared - "dude, what were you thinking?" He paid cash fora house while the stock market tanked - "you must be a genius!" Two things are certain: 1) I've never met a...
by TRC
Mon Jan 01, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 188592

Re: Share your net worth progression

This is a fun one. Started tracking in detail back in 2010: 2010 - 708K . Age 32, owned a house and bought an investment property that year. 2011 - forgot to track 2012 - $1,085,000 - paid off primary residence that year at age 34 2013 - $1,347,000 - moved and sold primary residence that was paid of...
by TRC
Sat Dec 30, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9439

Re: I Want to Buy a Horrible, Expensive Car

Look dude, let me say something. This year, my amazing father in law died suddenly of pancreatic cancer at age 61. poof gone Buy the car if you want the car. Life is worth living if it's worth living to you. The super frugal's will nay-say, even poke fun at you. Be reasonable with yourself, AND you...
by TRC
Wed Dec 27, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: The car dealership model needs to die
Replies: 85
Views: 4681

Re: The car dealership model needs to die

You may just need to find the right dealership. I recently purchased a Toyota Tacoma last April and didn't enter the dealership till I had the #s I wanted. I used USAA to get 3 quotes from various dealers near me (they picked). I emailed the lowest quote to the closest dealer to mea and asked them t...
by TRC
Sat Dec 23, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds
Replies: 97
Views: 12075

Re: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds

"Be fearful when others are greedy and greedy when others are fearful" - Warren Buffet

I'm 40 and hold 65% stocks and 35% bonds (age - 5). Stick to your asset allocation no matter what and tune out the noise.
by TRC
Wed Dec 20, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Question re: Funeral
Replies: 18
Views: 2166

Re: Question re: Funeral

Thank you all for the feedback. Fortunately the children are all grown, though they really lost contact with my sister years ago (long story). The husband is retired Military and my sister served 9 years. Luckily her burial is 100% covered by the military. I don't know his financial situation, but t...
by TRC
Tue Dec 19, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Question re: Funeral
Replies: 18
Views: 2166

Question re: Funeral

Edited to include "please consider" Sadly I'm in the process of planning a funeral for my sister. As a family we've decided we'd rather have people not spend money on flowers as we feel it's a waste. The options on the table we're contemplating for the obituary are either: 1) "In lieu of flowers, pl...
by TRC
Thu Dec 07, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Re-inventing career in mid 30s? Law? Tech? Sales?
Replies: 18
Views: 2339

Re: Re-inventing career in mid 30s? Law? Tech? Sales?

IMO - tech sales is the most lucrative career you can get into with a 4 year degree (if you're good).
by TRC
Sat Dec 02, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Best small Drone
Replies: 11
Views: 776

Re: Best small Drone

My daughter started out with a small drone about $50, she had to practice before purchasing a bigger one for some of her work. I think there is some drones that can be controlled by GPS, this is to protect her from losing her expensive. Bottom line is you need some practice. I disagree. The DJI Mav...
by TRC
Sat Dec 02, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Best small Drone
Replies: 11
Views: 776

Re: Best small Drone

I was a first time drone user an purchased the DJI Mavic. It's incredible and folds up to the size of a water bottle.

I made this video from footage up in Maine: https://www.youtube.com/watch?v=FG_3MY6ILNQ&t=49s
by TRC
Sat Dec 02, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 1023

Re: Buy Warranty for Bosch Appliances?

lakja wrote:
Sat Dec 02, 2017 4:16 pm
We have a Bosch microwave and dishwasher. Didn’t purchase one and no issues after 2 years. The dishwasher is insanely quiet.
This is really good to hear! We purchased the top of the line Bosch dishwasher since it gave us a 12% discount on all of the appliances.
by TRC
Sat Dec 02, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 1023

Re: Buy Warranty for Bosch Appliances?

I would not. I just bought a Bosch dishwasher and did not entertain for one moment the thought of buying additional warranty protection. Some credit cards offer free additional warranty. Do yours? Good question LiveSoft. I honestly don't know. It's a Visa / Fidelity Card. I will look into this and ...
by TRC
Sat Dec 02, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 1023

Buy Warranty for Bosch Appliances?

We're redoing our kitchen and are buying a set of Bosch appliances. Fridge, Electric Oven (induction), microwave and diswasher. The Fridge & Oven are the most expensive - about $2,800 a piece. They both come with a 1 year warranty and we have the option to buy an extended 5 year warranty for $440 a ...
by TRC
Sat Dec 02, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Considering Real Estate License
Replies: 7
Views: 589

Re: Considering Real Estate License

If you're not pursuing clients, what's the motivation to get your license? You can buy and sell houses without a license. In fact, you'll probably have more flexibility since you don't need to disclose you're a realtor when buying or selling. FWIW, I got my RE license years ago thinking I was going ...
by TRC
Fri Dec 01, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 11250

Re: Price of haircut?

$0.00 I've been cutting my own hair for the last 20 years with clippers on the sides and scissors on the top. I have a "high & tight". I fade the sides, buzz the top / back half of my head with a longer attachment and then use scissors to keep the front a little longer. I cut it every 2 weeks since ...
by TRC
Thu Nov 30, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4876

Re: I Can "Afford" This Right? (New Car)

It is somewhat of a right of passage. I did it when I was 30. 2 years later I realized it was just a car that got me from point a to point b and I sold it. You can clearly afford it (i assume you’d be paying cash?). Once the thrill wears off, you’ll probably come to the same conclusion I did and sel...
by TRC
Fri Nov 24, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 24
Views: 1345

Re: Should I Pay Off My Mortgage When I Retire?

Pay it off and cross the retirement finish line completely debt free.
by TRC
Fri Nov 24, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1685

Re: Which model treadmill to buy

We bought the Sole Fitness S77 years ago and it's been a workhorse. Ordered it factory direct from Sole Fitness as it was a little higher quality than what was sold by Sole in retailers at the time. We only had 1 electrical issue with in the 8 years of ownership and they shipped us free replacement ...
by TRC
Wed Nov 22, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 49
Views: 3246

Re: Making collegebound Kid Financially Savvy Questions..

If you re-read your post there's a lot of "I have done this, I gave her this, we have done this for her, etc." It seems like you're doing a lot for her and she's not doing much on her own (yet). Nor does it sound like she's in an environment where she needs to. Does she have financial responsibiliti...
by TRC
Wed Nov 22, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 5684

Re: Advice to become wealthy

Get a high paying job and live below your means. If you can't get a high paying job, look for alternative ways of making money. They are out there if you're willing to put the time & energy into figuring it out. For me, I stumbled into my career of Software Sales back in 2000. It's been good to me, ...
by TRC
Wed Nov 22, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1691

Re: Anyone "re-door" their kitchen cabinets?

Why not just have your current doors painted? I don't have the name of the company now but a while back I needed some cabinet doors and I ordered them online for a fraction of the cost what I could get them for locally. They were not that hard to put up but I am somewhat handy. The cost of the new ...
by TRC
Wed Nov 22, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2955

Re: Christmas gifts for lots of kids (experiences or stock)?

Contrary to most of the posts above, I think it's actually a good idea to give them a stock or maybe even some shares of the Total Stock Market index IN ADDITION TO a fun gift they an open and play with. Each year, you could include a short note to start teaching them about investing and the value o...
by TRC
Tue Nov 21, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retention Bonus
Replies: 7
Views: 1155

Re: Retention Bonus

I would talk to an accountant. If you give back the after tax money, your W2s aren't going to shrink. If it were me and I did not sign the acceptance letter, I would probably wait and see how many times they asked me to pay the money back before I took action. For a contract to be valid, there has t...
by TRC
Tue Nov 21, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4453

Re: Trip to Hawaii - what do I need to know

We went on our honeymoon there 15 years ago and did Maui and Kauai. We went back this past January with our 2 kids and did just Maui. IMO - Maui is where it's at. If you spend time island hopping, you burn precious time. That being said, winter is the most expensive time of the year to visit. To put...
by TRC
Tue Nov 21, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1691

Anyone "re-door" their kitchen cabinets?

Hi Everyone, We're looking to update our kitchen and 1st floor living area by refinishing our hardwood floors to a dark walnut and we'd like to update our kitchen cabinets to be a white (currently maple / cherry color). The cabinets are in very good shape and are only 15 years old (Kraftmaid brand)....
by TRC
Tue Nov 21, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Honeymoon Suggestions
Replies: 26
Views: 2016

Re: Honeymoon Suggestions

Another vote for maui. But for a week, I would budget $7-10k.
by TRC
Mon Nov 20, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Newly built home. sell or rent?
Replies: 29
Views: 2015

Re: Newly built home. sell or rent?

Speaking from experience, being an out of state landlord is a really, really bad idea.
by TRC
Wed Nov 15, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Maui Jim Sunglasses (or similar quality)
Replies: 14
Views: 1268

Re: Maui Jim Sunglasses (or similar quality)

I was in Maui this year (twice actually) and invested in a pair of MJ's. They are awesome and worth the price.
by TRC
Mon Nov 13, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1785

Re: Anyone Tried Soylent?

"If man made it, don't eat it". But seriously, I wouldn't touch it. I'd much rather focus on eating alive food, not stuff that's made in a lab that's dead on arrival
by TRC
Sun Nov 12, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Another "Can We Afford This House" ?
Replies: 28
Views: 2831

Re: Another "Can We Afford This House" ?

White Coat Investor wrote:
Sun Nov 12, 2017 2:52 am
5 months in this market without selling? Yea it's too expensive. Or there's something really wrong with it.
Agreed.
by TRC
Sat Nov 11, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 10703

Re: Do you meditate?

Sometimes, but I've never really done it consistently. When I do meditate, I use the Guided Meditation app called Headspace.
by TRC
Wed Nov 08, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 39198

Re: Did you tell anyone you paid off your mortgage?

I paid off my previous home and told everyone. Good and valuable lesson. Next time I wont tell anyone. Top secret. So just curious, for those who have told others, and regretted it, what was the cause of the regrets? My guess would be moochers. I think this largely depends on your age. If your in y...
by TRC
Wed Nov 08, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 39198

Re: Did you tell anyone you paid off your mortgage?

We paid ours off in our mid 30s. I only told 1 friend, and he’s of similar economic status / mindset. When people ask me about our mortgage rate, I just say I don’t know and my wife has the details.
by TRC
Wed Nov 08, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5491

Re: what pickup truck

What are your requirements?