Search found 1890 matches

by TRC
Tue Apr 09, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Broadly Written Non-Competes
Replies: 12
Views: 1144

Broadly Written Non-Competes

Hello, My company that I've worked for for over a year is now requiring all sales people sign a non-compete. The non-compete specifically mentions direct competitors that we cannot go work for (which I'm okay with), but also references a very broad industry as a whole that is complimentary to what w...
by TRC
Sun Feb 24, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Home/Rental Property
Replies: 18
Views: 1571

Re: Vacation Home/Rental Property

We own a 2nd home at the beach that we've been renting for 9 years this summer. Here are some considerations: - How far are you willing to go? Ours is a 2 hour drive. I would not want to be any further away. Many times we have needed to get up there on a moment's notice for some emergency (luckily f...
by TRC
Sat Feb 23, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 49
Views: 5939

Re: Aging Parents & Finances

I expect on the financial side, you're not going to get your father to go to anyone. You can try if you want. On the diabetes side, if your father isn't on an insulin pump, it might be a priority to get him to consider one. This helps because it can help in regulation 24/7, unlike remembering to ch...
by TRC
Sat Feb 23, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 49
Views: 5939

Re: Aging Parents & Finances

I'd like to thank all of you for your very helpful suggestions. Seems like reading the fine print on the LTC policy, meeting with an eldercare attorney and figuring out short term Diabetic management plans are the most pressing items to focus on. On a side note, I spoke with my sister this morning a...
by TRC
Sat Feb 23, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 49
Views: 5939

Re: Aging Parents & Finances

I expect on the financial side, you're not going to get your father to go to anyone. You can try if you want. On the diabetes side, if your father isn't on an insulin pump, it might be a priority to get him to consider one. This helps because it can help in regulation 24/7, unlike remembering to ch...
by TRC
Sat Feb 23, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 49
Views: 5939

Re: Aging Parents & Finances

I have 2 other siblings and spouses that are very concerned for their wellbeing. Though they are becoming more vocal to me about them feeling they need to sell their house and move all their assets to us in the event they end up in a nursing home. I for one don't think that's going to be received v...
by TRC
Thu Feb 21, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 49
Views: 5939

Aging Parents & Finances

Hi Everyone, As I type this, I'm sitting in Maui while my family & parents are asleep up stairs. While this trip has been awesome, it's caused me to realize my parents (age 75 and 78) are not in a prime decision making capacity anymore. My mom is showing very significant signs of early dementia and ...
by TRC
Sat Dec 22, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Electric scooter for 10y old?
Replies: 17
Views: 800

Re: Electric scooter for 10y old?

I think 10 is safe for one. My in-laws got one for my son when he was 6 and we stored it in in the basement till he was ready. Though when my son was able to use it, he quickly lost interest in it and he's been more into the razor scooters with the big wheels. I like the manual ones better because i...
by TRC
Thu Nov 29, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2658

Guy's Western US Ski Trip - suggestions?

Hi All, I'm planning a guy's ski trip out west for February where about 6 of us will be flying in from all over the US. Last time we did this we stayed slope side at Snowbird. While it was fun, the nightlife and restaurant scene was virtually non-existent. Here's our criteria: - Terrain for all abil...
by TRC
Sat Nov 17, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 58
Views: 4060

Re: which snow blower ?

Honda
by TRC
Sun Nov 04, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Diagnosed Non-curable Cancer -- what now?
Replies: 54
Views: 10788

Re: Spouse Diagnosed Non-curable Cancer -- what now?

So sorry to hear about your situation. I'm sure your heads are spinning, but I'd encourage you to check out https://www.chrisbeatcancer.com/
by TRC
Sun Nov 04, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Buy house without agent
Replies: 55
Views: 4714

Re: Buy house without agent

One very useful aspect of working with a buyer's agent is to ensure you're not over paying and get a true comp before finalizing on a price. Are you sure the house is priced right? If yes, then you try to negotiate 5-6% less than the true market price since the seller doesn't have to pay a commissio...
by TRC
Fri Nov 02, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Tick Prevention for Dogs
Replies: 10
Views: 716

Tick Prevention for Dogs

Lately I've been taking my beloved Standard Poodle for a 30 minute daily walk in the woods. It's the only place I can let him off leash (outside of our fenced in yard) where he runs to his heart's delight. It's the highlight of his day! Sadly here in Mass, the ticks are still out in force. We're pul...
by TRC
Fri Nov 02, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 4317

Re: Thoughts on the New Macbook Air?

I have a Macbook Air for work and an Macbook Pro for personal use. The Retina Display alone is worth it to me on the pro. Keyboard feel is better too.
by TRC
Tue Oct 30, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2864

Re: Luxury Sedans for around $25k used with lower miles? AWD?

If you're concerned about expensive maintenance - eliminate MB, BMW and Volvo from the list. Acura or Lexus would be my vote. I've owned an Acura TL SHAWD for 60k miles and not a single issue. It's a 2014 and last I checked it's value, it's probably worth 20K. Infiniti could also be an option, but I...
by TRC
Mon Oct 29, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 5304

Re: Should I co-sign for relative?

A close relative of mine has asked me to co-sign for them, lets assume defaulting was not a big risk but the necessity for a co-signer is due to unestablished credit. Would you co-sign this? The co-sign is for a vehicle lease of about $900/month Not a chance. If you feel compelled to help, gift the...
by TRC
Wed Oct 24, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a House - Mortgage or Cash?
Replies: 16
Views: 2221

Re: Buying a House - Mortgage or Cash?

If you can pay cash and close quickly, I'd shop for a house above your price range and make an all cash offer well below listing price to see if you can find a deal. Look for something that's been on the market for a while or any signs of a motivated seller in the listing (estate sale, divorce, "mot...
by TRC
Wed Oct 24, 2018 8:02 pm
Forum: Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7959

Re: Reaction to Market

I didn't realize the market dropped till I saw this post. I've guess I've really tuned out the noise lately.
by TRC
Sat Oct 06, 2018 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 5069

Re: Sellers remorse - selling business

I'd say sell it, keep the wife happy, win the game. Then try retirement and if you're not happy, start up another venture.

We all require self-actualization.
by TRC
Sat Oct 06, 2018 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re Sell or Keep house
Replies: 19
Views: 1373

Re: Need advice re Sell or Keep house

Speaking from experience (both good and very, very bad), being a Landlord is a JOB.
by TRC
Mon Sep 10, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: $25K car
Replies: 39
Views: 4070

Re: $25K car

If you like Honda, I'd throw an Acura TL in the mix. My 2014 TL SHAWD just turned 60K miles and is probably worth about 17-20K. It's a rocket ship, handles like a dream and still drives like it was the day I drove it off the lot when I paid ~40K. They stopped making the TL in 2014. Opt for the AWD v...
by TRC
Tue Sep 04, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4230

Re: Neighbor Fencing question

Whose property is the fence on? That is the owner of the fence and that's the person who should bear the cost of repairing / replacing it.
by TRC
Fri Aug 31, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Any advice if I should buy this Used Minivan?
Replies: 21
Views: 1789

Re: Any advice if I should buy this Used Minivan?

I'd really aim for a Honda Odyssey or Toyota Sienna.
by TRC
Sun Aug 26, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Help with basement issues
Replies: 16
Views: 1623

Re: Help with basement issues

We recently had a water issue in our basement from an AC unit pump failing. We had to dry it out by ripping up the carpet, removing the carpet padding, then running a turbo drier and a heavy duty de-humidifier to dry out the carpet.. If you have water behind finished walls, I would expose them to dr...
by TRC
Sun Aug 26, 2018 8:08 pm
Forum: Personal Investments
Topic: Does it make sense to take some cash out now
Replies: 8
Views: 1274

Re: Does it make sense to take some cash out now

What does your asset allocation strategy tell you to do? Is it time to sell stocks and buy bonds or sell bonds and buy stocks?
by TRC
Sun Aug 19, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 4345

Re: Sheraton Kauai timeshare

If you don't want to sit through a sales pitch, pay retail price. Why not hear the sale pitch out and see if it makes sense? Sounds like you like Hawaii?
by TRC
Wed Aug 01, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 15161

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: 7230

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: 4682

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: 1384

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: 1384

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: 5361

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: 1384

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: 7611

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: 1876

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: 1627

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: 1876

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: 1820

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: 1820

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: 1820

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: 1820

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: 1820

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: 1820

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: 3685

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: 23556

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: 2740

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: 1120

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: 1120

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: 1120

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...