Search found 1789 matches

by TRC
Mon Oct 23, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at Age 50?
Replies: 15
Views: 1032

Re: Bonds at Age 50?

I'm Age - 5 in bonds. Turning 40 in Dec, so we're about 35% bonds.

In a bull market like this, I think it's natural to second guess this type of AA strategy.
by TRC
Mon Oct 23, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 11
Views: 974

Re: FIL Stage 4 Cancer - Next steps

So sorry you have to deal with this. Stating the obvious, but I would try to identify any and all assets, liabilities, monthly bills, etc. and get account #s, passwords, and beneficiaries in order.
by TRC
Mon Oct 23, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 16
Views: 851

Re: Which minivan?

You can't go wrong with either a Sienna or Odyssey. We have a 2016 Odyssey EXL with DVD and love it. Prior to that we owned a 2010 Odyssey EXL with DVD that hit 100K miles with no issues. FWIW, we live in the North East and have nasty winters. We put snow tires on in the winter and it's fine, though...
by TRC
Thu Oct 19, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Late 20s -- Level-set on my Finances please
Replies: 5
Views: 781

Re: Late 20s -- Level-set on my Finances please

1) When I invest, I look at my Taxable and by 401K separately. I want to employ the same 70:30 strategy (stocks:bonds) within both categories – is this incorrect? Do I need to be looking at them both wholly? Wouldn't I want to separate them out because I can access taxable at anytime and non-taxabl...
by TRC
Mon Oct 16, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2420

Re: How do you outfit your feet?

Live in Mass I work from home and travel to clients for work. My priorities: 1. Sandals (may - October). Generally 3 pairs since I misplace them in various rooms. 2. 2-3 pairs of Bang up sneakers in the garage at any given time. 3. 4 pairs of nice dress shoes - Allen Edmonds and cole hans. 4. Dress ...
by TRC
Sun Oct 15, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4557

Re: Which Streaming Service/Live TV?

SuperSaver wrote:
Wed Oct 11, 2017 12:34 pm
...,We borrow families/friends Netflix, HBO, Amazon Prime logins for free. Our fave channels are Bravo, NBC, etc. Not sports-junkies.
"Borrow"?
by TRC
Fri Oct 13, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1232

Re: Building additional garage - recommendations?

Go Big! Kind of like a shed, it can't be big enough. We have a 3 car attached garage. The 3rd bay we use for bikes in the summer and my tractor & pellets in the winter. If I could have built it, I would have made it longer so my truck would fit more comfortably and wider so our doors have no chance ...
by TRC
Mon Oct 02, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2652

Re: camping trailer...need to change vehicle?

Have you looked into a Dodge Sprinter + Cricket Trailer combo?
by TRC
Tue Sep 26, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6848

Re: Tipping question....Applebees

This post is about an extra 58 cents to the server. :?
by TRC
Fri Sep 22, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3317

Re: Gaps in new hardwood flooring

This is crazy, because the exact same thing happened to us. We installed 5" wide Brazilian Koa in our house 4 years ago when we moved in. It was August here in the Northeast...so very hot and very humid. I bought the wood from Lumber Liquidators and hired a private installer that I knew. He said the...
by TRC
Mon Sep 18, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Home Equity Disproportionate to Investments
Replies: 18
Views: 1669

Re: Home Equity Disproportionate to Investments

Consider yourself lucky! A house is a consumption item and you're fortunate that it's increased in value.
by TRC
Wed Sep 13, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: How much should a part-time RN make in Denver?
Replies: 9
Views: 1222

Re: How much should a part-time RN make in Denver?

Here in the north east, most RNs are paid hourly. My wife is a per diem pediatric RN (i.e. No benefits). She has 17 years experience and makes $55/hr. This is before shift differential (she works nights) and if she's a charge nurse on her shift.
by TRC
Tue Aug 29, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Learning from loss
Replies: 23
Views: 2865

Re: Learning from loss

I lost $150,000 when selling my last house. Bought it for $445K at the height of the market in 2006. Put 50K into it and decided to sell in 2012 to get into a better school district. Luckily we owned it free & clear so we didn't need to bring money to the closing table. We purchased our new house fo...
by TRC
Mon Jul 31, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase Lake House for Primary
Replies: 25
Views: 2861

Re: Should I purchase Lake House for Primary

I grew up on a Lake year round and had the best childhood a kid could ask for. Had my own boat by 12 years old (12' aluminum boat with a 6 horse engine). By my teens I was using my parent's boat to waterski and wakeboard all summer. Winters were spent shoveling rinks and having neighborhood hockey g...
by TRC
Fri Jul 28, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Is this rental house/vacation property be worth considering?
Replies: 22
Views: 1528

Re: Is this rental house/vacation property be worth considering?

The main drawback is that it is 6 hours away.... My wife and I own 1 vacation rental property that is 2 hours from our house. No way would I feel comfortable going any further. You're not providing enough information to look at this from a cash flow perspective. You should think about: Income: How ...
by TRC
Tue Jul 04, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: John Deere series 100 lawn tractors
Replies: 28
Views: 2565

Re: John Deere series 100 lawn tractors

Not sure what your needs are, but if it's a small yard and all you're doing is lawn cutting, you should be fine. I used to own a John Deere LA115 that was fine, though pretty chincy IMO. We moved to a new house and I ended up selling it to buy an X748 with snowblower and front end loader. If you eve...
by TRC
Thu Jun 29, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Lending people "things"
Replies: 28
Views: 1780

Lending people "things"

Updated to disclose what the item is. I have a utility trailor that I bought 5 years ago for personal use that cost me about $2,000. I don't use it much, but it is important to me and I spent my hard earned money on it. My half brother, whom I have a somewhat distant relationship with, likes to borr...
by TRC
Thu Jun 29, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 2449

Re: Pre-owned Acura's... Value of 'Certified'?

I've owned a 2012 TL and a 2014 TL. Not a single problem with either car. My current one is approaching 50K miles and running like a champ.

Foreign cars I think it pays to have CPO. For Honda's, I wouldn't pay a premium for it to be CPO.
by TRC
Mon May 29, 2017 7:14 am
Forum: Personal Finance (Not Investing)
Topic: High School Graduation Gifts
Replies: 21
Views: 2373

Re: High School Graduation Gifts

My niece is graduating high school and we plan to give her $100. And how lucky are we that we get to host her graduation party at our house because we have a pool?! (sarcasm intended).
by TRC
Mon May 22, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Changing Legal Guardian in a Will
Replies: 1
Views: 353

Changing Legal Guardian in a Will

Hello Bogleheads! My DW and I need to update our Will to change the legal guardianship of our children from 1 person to another. The attorney that initially wrote our will is deceased. Is there a cheap & easy way to do this without paying hefty attorney's fees? It's literally replacing one name for ...
by TRC
Mon Apr 24, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 2161

DIY Yard Tick Spray?

Ticks are in full effect here in Massachusetts and our newish puppy has been getting them weekly. We've been applying Frontline, but it doesn't seem to be working. Our neighborhood has had a particular problem with ticks for a long time and one of my neighbor's even had lyme disease. Does anyone hav...
by TRC
Mon Apr 10, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?
Replies: 10
Views: 1424

Re: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?

(2) be in a position to help my mom financially for things that are reasonable when she needs it. this part really scares me. She has no assets or savings or no financial sense. She spends every dollar she lays her hands on.... If you want to help your mom, I would try and treat the problem rather ...
by TRC
Fri Mar 17, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 5475

Re: Looking for a snazzy car

Pretty vague request.

2 door?
4 door?
Convertible?
Budget?

Help us help you!
by TRC
Fri Mar 17, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Vegetable Gardening - seeds vs seedlings?
Replies: 29
Views: 2966

Re: Vegetable Gardening - seeds vs seedlings?

I have been square foot gardening for several years and have about 200 sq ft in beds. You need about 100 sq ft per person. My garden feeds me and my husband with some left over for the neighbors. I followed Mel B's instructions for the first season but quickly discovered some of his gardening advic...
by TRC
Thu Mar 16, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Vegetable Gardening - seeds vs seedlings?
Replies: 29
Views: 2966

Re: Vegetable Gardening - seeds vs seedlings?

Urban Farmer here...Zone 6a. First take it slow, a bigger garden is not always the way to go. More work, weeding, and expense. You want to make it an enjoyable hobby not a chore. Our beds are approximately 200 square feet, enough produce for 2 and extra to give to family and friends. The only thing...
by TRC
Thu Mar 16, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Vegetable Gardening - seeds vs seedlings?
Replies: 29
Views: 2966

Vegetable Gardening - seeds vs seedlings?

Hello Bogleheads! After reading "All New Square Foot Gardening II: The Revolutionary Way to Grow More in Less Space" we're planning to take vegetable gardening very seriously this season! I had six 4'x4' Cedar Raised Garden Bed boxes built & delivered from a guy on Craiglist and I'm ex...
by TRC
Tue Mar 14, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Real estate investing the Boglehead way
Replies: 39
Views: 8472

Re: Real estate investing the Boglehead way

I owned a 3 family in a blue collar town. It was a mistake from day 1, but the cash flow was decent. However, the hassle and headaches were not worth it. You attract a certain type of renter with multifamilies. We sold it after 2 years of ownership for a loss. 7 years ago we purchased a beach condo ...
by TRC
Mon Mar 13, 2017 6:20 am
Forum: Personal Consumer Issues
Topic: What to do about a bad neighbor in same unit -- both renters of same landlord.
Replies: 43
Views: 5751

Re: What to do about a bad neighbor in same unit -- both renters of same landlord.

Sorry to hear about your situation. What's holding you back from moving?
by TRC
Sun Mar 12, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: How Do You Share Expenses?
Replies: 52
Views: 4637

Re: How Do You Share Expenses?

Wife and I have always keep our money matter separate. Long story short version: 1990 - I bought house with mortgage 1992 - Married. She paid 20% piti for 20% ownership 2011 - Separated and sold house. She got 20% of proceeds. 2013 - Reconciled. Moved back in to the house she bought. Paid $500/mont...
by TRC
Sun Mar 12, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: How Many Of You Listen To The Noise?
Replies: 19
Views: 1620

Re: How Many Of You Listen To The Noise?

I sometimes listen to the noise, but more so for amusement than anything. I am smart enough no to let it affect any of my financial decisions. However, it is entertaining to listen to these pseudo financial experts from time to time. So my question to you is. How many of you listen to the noise pur...
by TRC
Sun Mar 12, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Outdoor Cedar - how to treat?
Replies: 3
Views: 592

Re: Outdoor Cedar - how to treat?

Loik098 wrote:Look up Eco Wood Treatment. Alternatively, you could line the inside, bottom, and outer bottom edge with gravel.


This is good suggestion. I was thinking about lining the ground with gravel where the wood touches.
by TRC
Sat Mar 11, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 4863

Re: Zero-Turn Mowers

MildlyEccentric wrote:I've had a Hustler Raptor for about a year and I've been happy with it so far. It is available from Lowes.


I also have the raptor and it's great. Fabricated deck, Kawasaki engine. There's a newer raptor out now that has a hydraulic deck that flips up for super easy cleansing and blade swap out.
by TRC
Sat Mar 11, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Outdoor Cedar - how to treat?
Replies: 3
Views: 592

Outdoor Cedar - how to treat?

Hello Bogleheads, I'm planning my first "square foot" vegetable garden and just had six 4'x4'x12" raised garden beds constructed and delivered. I know that Cedar is more rot resistant than other types of wood, but with the amount of money I spent, I'd like to see if there's anything e...
by TRC
Sat Mar 11, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Fincancial checklist for becoming a landlord in the future
Replies: 35
Views: 2809

Re: Fincancial checklist for becoming a landlord in the future

Also, I'm wondering what else we should be thinking about...... What else are we not thinking about, that we should be? I'm a Landlord. It sounds like you have the right financial evaluation, but are you considering the lifestyle and emotional impact that being a landlord will have on your marriage...
by TRC
Sat Mar 04, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: New Investor – Novice Jitters
Replies: 32
Views: 2987

Re: New Investor – Novice Jitters

You sound like a nervous nellie. Maybe investing in stocks isn't for you? Perhaps you can just stockpile savings in CDs?
by TRC
Sat Mar 04, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Organic Alternatives for Lawn and Garden Care
Replies: 35
Views: 2746

Re: Organic Alternatives for Lawn and Garden Care

You may want to plant some clover. It tends to grow naturally in my lawn and is always green, super thick and tends to crowd out other weeds. It also stays green when the rest of my lawn gets burned in August.
by TRC
Sat Mar 04, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Second home or not ready
Replies: 56
Views: 5234

Re: Second home or not ready

How far is it from your house? Do you have kids and do they have sports / friends activities on weekends? Do you plan to rent it? We bought a beach condo 2 hours from our house back in 2010. Our primary residence was paid off, our investments were very high and we put down 50%. That being said, afte...
by TRC
Sat Mar 04, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Free ynab? [You Need A Budget]
Replies: 20
Views: 3088

Re: Free ynab? [You Need A Budget]

I've seen ynab mentioned multiple times here. It looks interesting, but is there a free version of a competitor that people have tried and would recommend? Or is ynab the only way to go, despite the cost? There's a free 34 day trial version of YNAB. Have you tried it? YNAB is the best IMO and you t...
by TRC
Fri Mar 03, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Rental Property Mortgage?
Replies: 3
Views: 367

Re: Payoff Rental Property Mortgage?

Depends...how much money will you have left over? Is this a small part of the cash you have on the sidelines or the bulk of it? If it's the latter, I personally wouldn't risk tying it up in an illiquid asset to save a few months of interest.
by TRC
Mon Feb 27, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate vs debt payments
Replies: 34
Views: 2837

Re: Real estate vs debt payments

Could you buy and build an investment property for weekly rentals in the summer?
by TRC
Sun Feb 26, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 9388

Re: Used German Luxury vs New Japanese

Former BMW owner. I now drive an Acura. Haven't visited a dealership since I bought it 3 years ago.
by TRC
Sun Feb 26, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2574

Re: Caribbean vacation with 3 kids

Atlantis would be perfect for your kids (and you two). It's pricey, but one of the funnest vacations we've ever had as a family.
by TRC
Sun Feb 26, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 3588

Re: moving from landscaper/snow plower to diy in retirement

total overkill, but investing in a solid garden tractor that can accomodate a shaft driven snowblower, mower deck and front end loader would fit the bill and is totally awesome! I own a John Deere Diesel X748 and it's a beast! Here's me snow blowing a blizzard of 2+ feet. It's like a hot knife slici...
by TRC
Sat Feb 25, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Another milestone post
Replies: 29
Views: 2073

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: 2073

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: 69
Views: 6237

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: 1110

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: 2622

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: 88
Views: 7597

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: 39
Views: 4128

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...