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TRC

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?

TRC

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...

TRC

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...

TRC

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...

TRC

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.

TRC

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...

TRC

Personally I hate 30 year notes because early payments have such minuscule impact on principal. I'd go with the 15.

TRC

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...

TRC

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.

TRC

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...

TRC

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...

TRC

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...

TRC

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...

TRC

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...

TRC

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...

TRC

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 ...

TRC

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...

TRC

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.

TRC

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.

TRC

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...

TRC

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...

TRC

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...

TRC

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.

TRC

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...

TRC

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...

TRC

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...

TRC

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.

TRC

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.

TRC

Bonobos Tailored Fit.

TRC

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...

TRC

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.

TRC

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...

TRC

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...

TRC

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...

TRC

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...

TRC

"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.

TRC

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...

TRC

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...

TRC

IMO - tech sales is the most lucrative career you can get into with a 4 year degree (if you're good).

TRC

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...

TRC

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

TRC

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.

TRC

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 ...

TRC

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 ...

TRC

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 ...

TRC

$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 ...

TRC

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...

TRC

Pay it off and cross the retirement finish line completely debt free.

TRC

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 ...

TRC

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...

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