Search found 1863 matches

by TRC
Wed Aug 01, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10172

Re: Peloton spin bike worth the high cost?

for that type of money, I'd buy a real road bike
by TRC
Sun Jun 03, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Have $2.5M at 30, career advice needed
Replies: 49
Views: 5494

Re: Have $2.5M at 30, career advice needed

Guessing you're in tech? Do you have the ability to both work remote full time? Why new move to a suburb outside the city and find a much lower cost of living area?
by TRC
Sat Jun 02, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 4146

Friends with an EJ Advisor

I've recently become good friends with an Edward Jones advisor. He knows I have a relatively high net worth for my age and I've made it clear that I got burned by an advisor in the past and am perfectly content with my simple 3 fund index portfolio. We've gotten into a few minor debates about active...
by TRC
Thu May 17, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Departed employee & final pay check
Replies: 9
Views: 1245

Re: Departed employee & final pay check

Read the fine print...but they probably were not obligated to pay out the last bonus. Most corporate incentives have disclaimers to avoid payment if terminated before the ending period. It was actually a commission check for deals I closed. I said bonus to simplify the story, but it was for deals I...
by TRC
Thu May 17, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Departed employee & final pay check
Replies: 9
Views: 1245

Re: Departed employee & final pay check

It seems like it, also consider going to your state's Department of Labor if the company does not resolve. But....health benefits are typically run on a monthly basis. The company paid the premium for February and you were covered for the entire month, even though somebody may have told you that yo...
by TRC
Thu May 17, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4688

Re: Bed Bugs

A long time ago I owned a multi-family that had a BAD flea problem after a renter departed. I set off some of those flea smoke bombs and it solved the problem. Not sure if they do the same for bed bugs, but it might be something to look into.
by TRC
Thu May 17, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Departed employee & final pay check
Replies: 9
Views: 1245

Departed employee & final pay check

Hi All, Earlier this year I resigned from a megacorp and my last official day was February 9th. I received my final salaried paycheck that week and had normal benefits taken out. February 9th was the last day that I was covered for medical & dental. 1 month later on March 9th I received my final bon...
by TRC
Wed May 16, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 7039

Re: Mortgage decision killing me

Personally I hate 30 year notes because early payments have such minuscule impact on principal. I'd go with the 15.
by TRC
Tue May 15, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 1492

Re: Helping someone with Cancer

Thank you for all the suggestions. To address the question of "how close am I to her?". We never really hung out outside of work and we never met each other's spouses. That being said, I think of her like a kid sister. I'm in Tech Sales and she was my technical side kick in all of our meetings. I th...
by TRC
Tue May 15, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Cape Cod Vacation
Replies: 11
Views: 1418

Re: Cape Cod Vacation

Mass resident. I've been to the vineyard a couple of times. It's fun, but it's a hassle getting to & from. That being said, if it were me and I didn't have any young kids, I'd rent a couple of scooters once there and zip around the island.
by TRC
Tue May 15, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 1492

Helping someone with Cancer

Hi Everyone, Sadly I just found out that a former and very close co-worker of mine has come down with stage 3 cancer. She's a young mother of 2 (literally had her 2nd baby a couple weeks of ago). She's having surgery this Friday and will undergo chemo afterwards. I'd like to do something for her and...
by TRC
Mon May 07, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Association - who pays for septic repair?
Replies: 19
Views: 1500

Re: Condo Association - who pays for septic repair?

Are you sure the backup was caused by negligence? A common source of backups is a crack in the line that lets roots grow into the pipe. And a septic backup can be a pretty unpleasant experience; unless there were well established procedures already in place for getting board approval *quickly*, I p...
by TRC
Mon May 07, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Association - who pays for septic repair?
Replies: 19
Views: 1500

Re: Condo Association - who pays for septic repair?

There has to be something that describes the common property as opposed to the individual property. Was it against the rules for the owner to act individually and not get multiple bids or something? Your association should have rules in place for routine issues such as this and consequences for not...
by TRC
Mon May 07, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Association - who pays for septic repair?
Replies: 19
Views: 1500

Re: Condo Association - who pays for septic repair?

There has to be something that describes the common property as opposed to the individual property. Was it against the rules for the owner to act individually and not get multiple bids or something? Your association should have rules in place for routine issues such as this and consequences for not...
by TRC
Mon May 07, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Association - who pays for septic repair?
Replies: 19
Views: 1500

Re: Condo Association - who pays for septic repair?

Probably the association but read the documents. There is nothing in any of your paperwork except what you quoted above? Normally plumbing issues beyond the fixture connections at the wall and floor are the association's responsibility unless they were altered by the owner during remodeling. It's s...
by TRC
Mon May 07, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Association - who pays for septic repair?
Replies: 19
Views: 1500

Re: Condo Association - who pays for septic repair?

Hi Everyone, I'm part of a small 4 unit condo association. My unit is mainly a summer rental. We had our annual meeting and one of the owners recently encountered a back-up in their unit's septic line. They had to call in a plumber to snake the line and clean out the obstruction. The obstruction of...
by TRC
Mon May 07, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Association - who pays for septic repair?
Replies: 19
Views: 1500

Condo Association - who pays for septic repair?

Hi Everyone, I'm part of a small 4 unit condo association. My unit is mainly a summer rental. We had our annual meeting and one of the owners recently encountered a back-up in their unit's septic line. They had to call in a plumber to snake the line and clean out the obstruction. The obstruction of ...
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: 3110

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: 280
Views: 20054

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: 2048

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: 859

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: 859

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: 859

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: 4949

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: 13894

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: 14014

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: 638

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: 146
Views: 15547

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: 2970

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: 5043

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: 3291

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: 9823

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: 8541

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: 747
Views: 210256

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: 11011

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: 5343

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: 14012

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: 2367

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: 2367

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: 2674

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: 920

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: 920

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: 1540

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: 1540

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: 1540

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: 720

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: 13145

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: 5313

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: 49
Views: 3950

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: 1903

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 ...