Search found 1871 matches

by TRC
Sat Oct 06, 2018 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4725

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: 1227

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: 3683

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: 4014

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: 1491

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: 1546

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: Investing - Help with Personal Investments
Topic: Does it make sense to take some cash out now
Replies: 8
Views: 1214

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: 3891

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: 90
Views: 10714

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: 5735

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: 4347

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: 1274

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: 1274

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: 4844

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: 1274

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: 7221

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: 1546

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: 1470

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: 1546

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: 1555

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: 1555

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: 1555

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: 1555

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: 1555

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: 1555

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: 3342

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: 21066

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: 2214

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: 892

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: 892

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: 892

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: 5117

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: 14277

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: 14417

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: 733

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: 16057

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: 3016

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: 5531

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: 3558

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: 10295

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: 8785

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: 216412

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: 11608

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: 5544

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: 14780

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: 2419

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: 2419

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: 2756

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: 965

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: 965

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