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Re: HOA lawyer sends threatening letter, need advice

Op, This is nuts. [OT comments removed by admin LadyGeek] Now you solved it by paying off that bill but you still have not learned how to deal with your HOA. When you have issues you talk to people!! Now you need to call someone and ask what the $225 trash can fee is for. I suspect your HOA hired a ...
by btenny
Wed Mar 19, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: HOA lawyer sends threatening letter, need advice
Replies: 46
Views: 4227

Re: Diff between prev HC, health care and workers comp?

Everyone needs some sort of regular medical insurance that covers them for accidents and medical issues should they occur. You and or your employer should pay for it. Here is what happened to two of my friends this winter. One guy was skiing along a trail and a snow boarder turned and ran him over a...
by btenny
Wed Mar 19, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Diff between prev HC, health care and workers comp?
Replies: 5
Views: 274

Re: retire early AA and SWR plan

I suggest you change your portfolio as follows. 1. Change Cal Muni fund to Intermediate Term Muni fund (VWIUX) as it offers more diversification at a small increase in state taxes and dramatic decrease in risk. 2. Change all your cash from VMMXX to VMLUX for better return with almost no increase in ...
by btenny
Tue Mar 18, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: retire early AA and SWR plan
Replies: 2
Views: 408

Re: Your thoughts on vacation home or second home

I have always had a second home/condo. I think they are great but there are issues. Two homes are expensive. They need repairs, sometimes a lot. They need upkeep and you can never keep up so something is always in need of repair or updating. This can be bothersome if you are a Type A person. Today i...
by btenny
Tue Mar 18, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3600

Re: Using Life Expectancy Tables for RMD

My wife understands percentages while dividing by some factor leaves here asking questions. So to save time and not spend hours in explanation I did the division for her and told her she had to take out 5.38% or slightly more. And yes I know they are not the same because of rounding but I suspect lo...
by btenny
Tue Mar 18, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using Life Expectancy Tables for RMD
Replies: 22
Views: 1419

Re: New 2013 Ford Edge Sport Should I Buy?

Yep maybe the Sport version that is being offered has all those extras and toys that run the price up to crazy heights. Come on, does anyone really want 22 inch wheels on a car if they are not a RAP musician? Can you even imagine what it will cost to replace a tire for one of those? Yes I am sure so...
by btenny
Tue Mar 18, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Final Dealer Offer Good Enough?
Replies: 19
Views: 898

Re: Using Life Expectancy Tables for RMD

SScritic

I guess that confounded rounding error I made might get me if we did not take out slightly more than needed. So I guess the absolutely correct factor is 1/18.6 or 5.38% (rounded properly this time) for those that want a percentage.
by btenny
Tue Mar 18, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using Life Expectancy Tables for RMD
Replies: 22
Views: 1419

Re: New 2013 Ford Edge Sport Should I Buy?

If you like the Ford Edge why not look around and buy a slightly used one. See below for some used Edges out by me that are around $21K for a 1-2 year old car with 24K miles. Since there are so many for sale I expect you can pick and choose what model and color you want and even negotiate a lower pr...
by btenny
Tue Mar 18, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Final Dealer Offer Good Enough?
Replies: 19
Views: 898

Re: What premium items are least worth it?

Trophy wives....
by btenny
Mon Mar 17, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 5626

Re: The Intelligent Investor

I think you will find most people here stick close to a fixed Asset Allocation of their age in bonds or their age -10% and never change it much over time. So if you are about 40 you would have asset allocation of 60% stocks/40% bonds for your age in bonds and 70% stocks/30% bonds for your age in bon...
by btenny
Mon Mar 17, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: The Intelligent Investor
Replies: 27
Views: 3290

Re: fixed fee advisers

There are tons of them. Larry Swedloe on this site is one fixed fee advisor. See below for discussion of others. http://www.google.com/url?sa=t&rct=j&q=&esrc=s&frm=1&source=web&cd=2&cad=rja&uact=8&ved=0CCwQFjAB&url=http%3A%2F%2Fwww.bogleheads.org%2Fforum%2Fvie...
by btenny
Mon Mar 17, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: fixed fee advisers
Replies: 7
Views: 469

Re: Using Life Expectancy Tables for RMD

For your math issues 5.37% is the same as 1/18.6. So yes the numbers are the same. My wife is going to take $2000 out of the account this week for the 2014 RMD. This is more than the minimun by a $140ish. She is going to spend it I guess. She is putting the money in her checking account. Thanks..
by btenny
Mon Mar 17, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using Life Expectancy Tables for RMD
Replies: 22
Views: 1419

Re: Could I retire…. next week?

I am sorry for your loss. I hope you have healed enough to start looking around and see there is a lot more life left to live and enjoy. As far as money stuff. Have you really moved all your money and accounts to Vanguard with all those various mutual funds? Is your wifes' friend and advisor still h...
by btenny
Mon Mar 17, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Could I retire…. next week?
Replies: 13
Views: 2782

Re: What "annual" retirement income are you hoping to achiev

I am pretty sure the question and pole are set up wrong. I suspect most people answered it as "household income". I know I did. So a Boglehead who answered $130K was saying he and his wife are living on $65K each. This is not that much money for two people living in retirement and paying t...
by btenny
Mon Mar 17, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What "annual" retirement income are you hoping to achieve?
Replies: 70
Views: 4156

Re: "Getting Real About Retirement"

Quite a few people retire early due to illness or layoff or family issues etc.. All these people did not have 1-3 years leading up to retirement to figure out how much they were going to spend in retirement or if they had enough saved. They just had to retire. Thus a lot of people need to really do ...
by btenny
Sun Mar 16, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Getting Real About Retirement"
Replies: 27
Views: 3044

Re: Using Life Expectancy Tables for RMD

Thanks guys.

From your answer I guess the RMD for 2014 is 5.37% of the 2013 year end balance and IRS life expectency is 18.6 years. So I will take out that amount and put a note for my taxes accordingly.
by btenny
Sun Mar 16, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using Life Expectancy Tables for RMD
Replies: 22
Views: 1419

Using Life Expectancy Tables for RMD

My wife needs to take a RMD from a Inherited IRA from her Dad. He passed away last year at age 88. We moved the IRA to her name last year and now she needs to take her first RMD this year (2014) from this IRA. So I was trying to figure out the right amount and had a question. She is 67 now but will ...
by btenny
Sun Mar 16, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using Life Expectancy Tables for RMD
Replies: 22
Views: 1419

Re: Transmission broke on the "good" car! Need advice

I'm sorry but changing fluids only helps a little after around 100K miles in car automatic transmisions. The inside of those things are very hot and the parts just wear out in my experience. And lots of stop and go driving in city commuter traffic just wears them out even faster. That is why many ca...
by btenny
Fri Mar 14, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Transmission broke on the "good" car! Need advice
Replies: 18
Views: 1299

Re: Transmission broke on the "good" car! Need advice

What exactly seems to be broken in the transmission with the Muarano? Is the car AWD? Can you tell us some more details? The reason for the questions is lots of people have issue with the Murano AWD transfer case that is part of the transmission. The transfer case drives the rear wheels in a AWD suv...
by btenny
Fri Mar 14, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Transmission broke on the "good" car! Need advice
Replies: 18
Views: 1299

Re: Mouse/Rat traps

I suspect no one here has a rat problem inside. Rats are BIG animals (13 inches long or more, see below) and in most case live outside and in trees and other places with lots of food. I had roof rats once where we lived and had to seal the underneath of AC unit with screen to keep them from nesting ...
by btenny
Tue Mar 11, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 1767

Re: Admiral shares at non-Vanguard brokerages: share info

I hold Admiral shares of several different funds at Scottrade and three at Wells Fargo. I bought the Admiral funds at Scottrade back when. I did all those purchases on line quickly and easily with no issue and no phone calls by selling Investor shares and buying Admiral shares. I have added to those...
by btenny
Mon Mar 10, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral shares at non-Vanguard brokerages: share info
Replies: 28
Views: 5364

Re: Inherited trust

You need to meet with a CPA Tax Accountant and discuss your tax options and conversion options to moving this money to mutual funds. How are the stocks held at this time and for the last 4 years? Are the stocks in the name of the trust or your personal name or still in your step moms name? The issue...
by btenny
Mon Mar 10, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited trust
Replies: 3
Views: 381

Re: RightSource--Mail Order Drugs

Well you guys may like RightSource (Humana mail order) but I am having fits. I switched on Jan 1, 2014 to RightSource and started using them. I ordered my first perscription in early Jan for one generic med I use. This med needed a new script from my doctor but they said they would call/fax the doct...
by btenny
Mon Mar 10, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: RightSource--Mail Order Drugs
Replies: 10
Views: 702

Re: AT&T Mobile Users: Check your plans

Well we are apparently unusual cell phone customers. We keep our phones for years. My wife is still happy with her IPhone 3S for texting and talking and so forth although it does not work with one of her applications that was updated. I just upgraded to a Blackberry from a old flip phone that is 4is...
by btenny
Sun Mar 09, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6176

Re: HUGE retirement decision.

I second what Sometimes said. Please look carefully into getting some Term Life Insurance to provide cash for income replacement if one of you should pass away early. I did this to provide Social Security protection for my wife and I and pension protection for my wife when I took the 100% option. In...
by btenny
Sun Mar 09, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 5996

Re: Any Subaru owners out there?

I don't know about Subaru but apparently Volvo is going to put a fully automatic traffic jam system in the 2014 car and include auto steering as well as auto braking and auto acceleration. See here.. http://www.digitaltrends.com/cars/volvo-traffic-jam-assistance/#!y2oTQ http://wot.motortrend.com/no-...
by btenny
Sat Mar 08, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 4029

Re: House going to auction. Should I make offer?

At a minimum go look at the house ASAP and do a detailed walk through and evaluation of the fixtures and plumbing and appliances, etc.. Use a check list if possible. This will tell you a lot about what kind of shape the house is in and if it will need some or a lot of renovation. This is good inform...
by btenny
Sat Mar 08, 2014 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: House going to auction. Should I make offer?
Replies: 25
Views: 1688

Re: Any Subaru owners out there?

Bought a 2013 Outback with the big 3.6R engine in March 2013. Have 10K miles so far. No service besides 2 oil changes. Love the car. Runs great, corners great, is very fast even at passing speed. With the 3.6R engine the car is very quiet. Does great in deep snow. Leather heated seats are nice but p...
by btenny
Sat Mar 08, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 4029

Re: Retirees: About your retirement

I never consciously thought about retiring until I was about 40 and in the middle of a long tiring road trip when I encountered "Cashing in on the American Dream by Paul and Viki Terhorst" at a airport book store. See here. https://sites.google.com/site/paulvicgroup/ I had worked really ha...
by btenny
Sat Mar 08, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 5493

Re: How do discount brokers make money from passive investor

These discount brokers like Wells Fargo are really trying to find ways to make more money when cheap guys like us have accounts there. I have had a Wells Trade account for 10+ years since they first started the on line stuff. The account has always had a good deal of money in it. I also bank with We...
by btenny
Sat Mar 08, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: How do discount brokers make money from passive investors?
Replies: 19
Views: 1885

Re: Want to buy but can't find the "right" vehicle - what to

Browser I looked at SUVs for over 2 years while I drive my old Jeep GC up to 145K miles. Then I moved up to the 2013 model Outback with the 3.6R bigger engine and 5 speed automatic because it addresses all the issue you discussed. In 2013 Subaru completely redesigned the suspension and steering gear...
by btenny
Thu Mar 06, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3387

Re: Want to buy but can't find the "right" vehicle - what to

Chris. Are you waiting for a Subaru Outback Diesel? I sure would like to drive one and maybe own one. I bet they would be great in the snow and mountains... Will the new 2015 Outback have a diesel engine option in the US?
by btenny
Wed Mar 05, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3387

Re: Want to buy but can't find the "right" vehicle - what to

Browser you will find steering issues with some of the Subaru Outback 2010-2011 models as well. So be careful if you shop for a used one. That is why I moved to the new 2013 model with the 3.6R engine. It is much quieter and has a lot more pep and drives wonderful in turns versus the 4 banger. But i...
by btenny
Wed Mar 05, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3387

Re: Adventurous Grand Canyon Trip

Hike down to Supai Village at the bottom of the Havasui river area inside the Grand Canyon. This area is a indian reservation in the west end of the Grand Canyon with tons of water falls and water pools and neat stuff. It follows the Havasui river when it goes into the Colorado. The hike is around 8...
by btenny
Wed Mar 05, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Adventurous Grand Canyon Trip
Replies: 18
Views: 1081

Re: Lump Sum Investing in this Market

Yes I agree I am vascillating on what to do and how. That is why I am talking to you guys. And yes the VCA approach is complicated. And I am already worried about too much complexity for my wife if something would happen to me.
by btenny
Wed Mar 05, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investing in this Market
Replies: 14
Views: 1227

Re: VWIUX - reinvest dividends if used as EF?

Well I use Limited Term Muni (VMLUX) for my emergency/working fund in my taxible accounts and take the dividends/cap gains as cash that I spend. But I also own a good amount of VWIUX Intermediate Term as well. Then once a year or so I rebalance to make sure I have enough cash for the next year. That...
by btenny
Wed Mar 05, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWIUX - reinvest dividends if used as EF?
Replies: 10
Views: 440

Re: Want to buy but can't find the "right" vehicle - what to

Well Chris not wanting a CVT may get a lot more complicated very soon. I know I bought a 2013 model 3.6R Outback with the 5 speed aoutomatic for the good mountains performance as well. But more and more car makers are moving to CVTs and doing away with normal 4-5 speed automatics for better MPG and ...
by btenny
Wed Mar 05, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3387

Re: Lump Sum Investing in this Market

Thanks all for your insight especially that stuff on Value Cost Averaging (VCA). VCA seems very interesting and really applicable to large lump sums versus the more normal DCA over 30+ years of a normal investment lifetime. I agree nothing should change my asset allocation even though we have more n...
by btenny
Wed Mar 05, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investing in this Market
Replies: 14
Views: 1227

Lump Sum Investing in this Market

My wife inherited a good deal of money last year from her father. We invested a bunch of it at the end of last summer during the big stock run up and are pleased with the performance. Well we sold the house last month and now we have some more to invest. So the question is should we buy stocks at th...
by btenny
Tue Mar 04, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investing in this Market
Replies: 14
Views: 1227

Re: Want to buy but can't find the "right" vehicle - what to

I am a long time SUV guy from several different angles. I owned a Jeep CJ in 1960s and my brother owned a Scout and then a Wagoneer. We hunted and really used the off road capability. Until the Wagoneer we almost never drove our SUVS in town. Too noisy etc.. Fast forward to 2013. I still own one Jee...
by btenny
Tue Mar 04, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3387

Re: need help with shades/blinds

Oh ya I forgot one thing I also did in our master bedroom. We have a big high semicircle window in there as well. In that room we put up a fan shaped opaque blind facing the window backed by a piece of rigid foam insulation and than a second fan blind facing the room. This three piece sandwich block...
by btenny
Sun Mar 02, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 635

Re: need help with shades/blinds

My irregular shaped windows are half moon pieces above retangular windows. The half moon pieces are covered with regular half moon shutters with a fan of individual slats. Each slat is a truncated triangle shape. Since they are only about 6.5 feet in the air I adjust them by hand into a circle fan s...
by btenny
Sun Mar 02, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 635

Re: Concerns re: Relocating to Illinois (Chicago)

If you would not buy a house in a state why would you move there or take a job there? I am very confused... From the Forbes article you posted I see Illinois and Ohio as being the number 1/2 targets moving forward for big trouble. Forbes does not like CAL and NY as well. I disagree. Cal has huge nat...
by btenny
Sun Mar 02, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concerns re: Relocating to Illinois (Chicago)
Replies: 40
Views: 2687

Re: Time for a new car?

You need a newer car. I suggest you buy a nice used car and sell your old car for junk. I have a LIncoln Zephr 2006 that is a wonderful upscale nice car. The newer (2007-2014) version of this car is a Lincoln MKZ. It is very reliable and is good on gas and holds 4 people in comfort and has a huge tr...
by btenny
Sun Mar 02, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new car?
Replies: 26
Views: 1263

Re: Vacuum cleaner advice

We specailize at my house. We have three vacuums for various purposes plus a dust swiffer. My wife does not like vacuuming the tile and wood floors. She prefers a dust swiffer for ease and speed so she can clean those floors often, sometimes twice a day but at least every other day. Then she mops ab...
by btenny
Sun Mar 02, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 1895

Re: How are retirees from 2000 doing today ?

Back when I also made a lot of use of a program called Quicken Financial Planner (Windows 95 program) for projecting my income and expenses and investment returns and so forth. I found it really really helpful in designing how much I could spend and how much I should put in stocks vs bonds etc.. The...
by btenny
Sun Mar 02, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: How are retirees from 2000 doing today ?
Replies: 30
Views: 3627

Re: washing machine - front loader or HE top loader?

A huge number of the front load machines suffer from mildew issues. See below for the various giant class action law suits that have been going on. So I would not buy one of those under any conditions. http://articles.chicagotribune.com/2014-02-24/business/chi-supreme-court-front-loading-washing-mac...
by btenny
Sun Mar 02, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 2756

Re: need help with shades/blinds

Grok, I have two suggestions. 1. I have solid wooden 2 inch wide shutters in my home in Arizona on almost all the windows. These are retangular in shape and made in panels. Each panel has grouped slates that slide up to close and down to open. The full panels can also be opened like doors to access ...
by btenny
Sun Mar 02, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 635

Re: How are retirees from 2000 doing today ?

I "early retired" in December 1998 and so did several of my work associates from Megacorp. As far as I know 100% of us are doing fine. Most of us were 50ish to 60ish. In our case all of us had some pension and a IRA and all of us got OK priced (not cheap but full coverage with 20% co-pays)...
by btenny
Sat Mar 01, 2014 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: How are retirees from 2000 doing today ?
Replies: 30
Views: 3627

Re: Buying a new house while selling current one

Sorry to ask question versus answers but I need more info to fully answer you. Are you single? Do you have tons of stuff or not much? The issue is how easy is it for you to move and how "emotional" are you about your current place and the difficulty or ease of moving? I know when I was you...
by btenny
Sat Mar 01, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a new house while selling current one
Replies: 5
Views: 728
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