Search found 1836 matches

by TRC
Tue Jan 16, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 125
Views: 9057

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: 2587

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: 3955

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: 2679

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: 7992

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: 7580

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: 708
Views: 182741

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: 9213

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: 4472

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: 96
Views: 11269

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: 2099

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: 2099

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: 2307

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: 749

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: 749

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: 978

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: 978

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: 978

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: 560

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: 10841

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: 4765

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: 1268

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: 1613

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: 3109

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: 5529

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: 1600

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: 2872

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: 1115

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: 4215

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: 1600

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: 1900

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: 1959

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: 1211

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: 1687

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: 2781

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: 10318

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: 38457

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: 38457

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: 5308

Re: what pickup truck

What are your requirements?
by TRC
Sun Nov 05, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting with significant other
Replies: 26
Views: 2348

Re: Budgeting with significant other

I don't think there is a norm. When my wife and I got engaged, we merge all of our accounts. There was no more "my money". It became "our money". That being said, if it ain't broke, don't fix it.
by TRC
Sat Nov 04, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4905

Re: This is why I'm glad I started investing at 23

Amen! I’ve heard this is called “F U money”? I’m in a similar boat. Started investing at 22 and and about to turn 40. House paid for, no debt other than an investment property that will be paid off in 7 years. Started contributing to my 401k and Roth IRA right out of college. I was very fortunate th...
by TRC
Fri Nov 03, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: How many funds do I need?
Replies: 21
Views: 1703

Re: How many funds do I need?

Why not ask for some portfolio review? viewtopic.php?f=1&t=6212
by TRC
Sun Oct 29, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3612

Re: Breaking point to get a new to newish car

I had nearly the exact same car - it was a Silver 335XI manual. LOVED that car, but traded it after 2 years for an Acura TL SH AWD. Not quite as thrilling to drive compared to the BMW, but bigger and not a single thing has gone wrong with it. If it were me, I'd stay away from German cars if you care...
by TRC
Thu Oct 26, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Fix or replace my vehicle
Replies: 33
Views: 1736

Re: Fix or replace my vehicle

Replace it.

If you're single and looking for a girlfriend / boyfriend, replace it tomorrow.
by TRC
Tue Oct 24, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Lastpass on iPhone easy to use?
Replies: 16
Views: 1324

Re: Lastpass on iPhone easy to use?

It's how I use it too. I set mine up for 2 factor authentication with Google Authenticator as well.
by TRC
Mon Oct 23, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 1793

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: 28
Views: 3305

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: 25
Views: 2192

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...