Search found 1804 matches

by TRC
Wed Nov 15, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Maui Jim Sunglasses (or similar quality)
Replies: 14
Views: 1067

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: 1534

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: 2551

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: 107
Views: 6264

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: 328
Views: 34490

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: 328
Views: 34490

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: 4776

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: 2144

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: 4617

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: 1534

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: 3348

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: 1546

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: 1191

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: 1653

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: 3112

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: 1982

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: 839

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: 2537

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: 4913

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: 1284

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: 2758

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: 7001

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: 3450

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: 1726

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: 1279

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: 2913

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: 26
Views: 3196

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: 1571

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: 2604

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: 1826

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: 2502

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: 2480

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: 356

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: 2238

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: 1467

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: 5629

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: 3061

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: 3061

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: 3061

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: 8673

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: 5825

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: 4723

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: 1650

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: 599

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: 4992

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: 599

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: 2891

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: 3010

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?