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by btenny
Mon May 25, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6259

Re: Sun City Arizona = Retirement help.

I agree Sun City used to be mostly very old "greatest generation folks" and it was a pretty quiet place and "sort of out of town". But time marches on and most of those people are gone and replaced by Baby Boomers today. So I see it changing culture a lot. Sun City is now in the ...
by btenny
Sun May 24, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6259

Re: Sun City Arizona = Retirement help.

Twenty five years ago the Phoenix area did not have water problem as they were only 1 million or so people living here. We had a big new canal (Central Arizona Project) and lots of water storage lakes. Well fast forward 25 years and Phoenix Metro is 4 Million folks and still growing and the southwes...
by btenny
Sun May 24, 2015 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 67
Views: 4282

Re: Medicare supplemental insurance

I recommend Medicare Gap plan F High Deductible. I Figure it has saved me over $3000 over the past 3 years total. My wife and I both have had this plan for 3 years. Right now the premiums are $40.47 per month. We get it from Blue Cross/Blue shield. It is very cheap but only provides catastrophe insu...
by btenny
Sun May 24, 2015 12:11 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 6962

Re: please confirm: early retirement

Retiring on $50K today at any age before 65 and Medicare is much more complicated than in the past. In todays market you need medical insurance that costs around $1K for a single person and $1.5K for a couple from what others here have said. Then you add on say $500 per year per person in actual med...
by btenny
Sat May 23, 2015 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 6962

Re: please confirm: early retirement

Yes you can travel and leave the wife and kid home but everyone sure gets lonely if you travel for long periods of say 3-6 months. I did it when I was in my early fifties when I taught skiing in the mountains a long ways from home. In my case our net expenses went up for lots of plane tickets to go ...
by btenny
Sat May 23, 2015 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 6962

Re: please confirm: early retirement

Sorry livesoft but I think traveling in this case costs extra. The OP says his COL is low and I agree it is enough to live on IF he stays home in a low COL area with the wife and kid. But if he wants to go traveling and leave them home, he has bigger transportation expenses, more entertainment expen...
by btenny
Sat May 23, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3778

Re: Put money down on new car, dealer wants color change

By the way most Nissan cars and SUVs are made in the south in a giant plant down there. So they are shipped by train to dealers in some areas and by truck in other areas and mixed in other areas. So figuring out when a particular car will arrive is a guess at best for dealers. They just order and wa...
by btenny
Sat May 23, 2015 11:49 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 6962

Re: please confirm: early retirement

By the way I am also not sure you have saved enough to fully retire this young. My issue is your budget is too low to support any playing and fun stuff when your wife retires in a few years. So when you guys are 55ish I think you will have money problems. At that time your kid will still be in colle...
by btenny
Sat May 23, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 6962

Re: please confirm: early retirement

I don't think you can "completely retire yet". You have addressed the $$ issues but not the time issues. But yes you can quit your current job and take some time off and recharge. But if your wife keeps working and you need to stay around town for your teenager you need something to do all...
by btenny
Fri May 22, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3778

Re: Put money down on new car, dealer wants color change

I bought (really leased) a new Subaru Outback in 2013. I did the purchase by phone and internet as all the dealers were 25-100 miles from my house. I decided what car I wanted two weeks before I finally got serious about making the purchase. Well the dealer that offered me the best price and deal wa...
by btenny
Fri May 22, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 38
Views: 1856

Re: Visiting Nashville during the summer

Take a sightseeing tour of a great National Park that starts in Nashville called the Natchez Trace. This is 444 mile long park and scenic road with no stop signs or lights or trucks or any civilization. It is just wonderful to see all the green trees and undisturbed wilderness like it was 200 years ...
by btenny
Fri May 15, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: House Insurance Site Similar to Term4Sale?
Replies: 11
Views: 895

Re: House Insurance Site Similar to Term4Sale?

Insurance companies must comply with federal, state and local laws that are set by each based on circumstances. So in California (where we have big wild fires that destroy lots of homes in a area) a home insurance policy must provide enough money to rebuild the home on the existing lot aand the home...
by btenny
Fri Apr 03, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 11027

Re: Closing out my first 'snowbirding' winter

I have been reverse snow birding for 12 years or so. I live and am a resident of Arizona. But I also go the Lake Tahoe for part of the winter to snow ski and for part of the summer to get out of the Arizona heat. As far as residency, California asked if I was a resident once when I forgot and got so...
by btenny
Fri Apr 03, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 2743

Re: Gearing up for big replacement windows project

I would try to get at least one installer to come out and do some detail estimating. I suspect your window job is gigantic in cost. Maybe $40K or more. I also suspect that Pella windows are just too expensive versus your home value. IMO if you spend that much it will be mostly sunk costs that you wi...
by btenny
Wed Apr 01, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 11027

Re: Closing out my first 'snowbirding' winter

Most states take "domicile" or "residency" to mean you live there 6 months per year plus you vote there, you own your home there, you have drivers license and other government documents from that state, you earn your money there if working and you pay taxes in that state if appli...
by btenny
Wed Apr 01, 2015 8:21 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 11027

Re: Closing out my first 'snowbirding' winter

Lilly, Do you stay in Florida for any part of the "summer". Say June or July?
by btenny
Wed Apr 01, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: Tesla to start making Batteries for Home Solar
Replies: 61
Views: 4576

Re: Tesla to start making Batteries for Home Solar

Phoenix has been using a big industrial sized power and cooling energy storage system for over 12 years that is much better than batteries and more efficient as well. The design basically centrally stores ice and chilled water from low cost nuclear power at night and then distributes that stored col...
by btenny
Tue Mar 31, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: Looking for Location Leads
Replies: 8
Views: 562

Re: Looking for Location Leads

Look at Utah all around Salt Lake north and south. There are tons of big towns and small towns that should fit your parameters. Also look at Reno Nevada and surrounding areas. That also fits your parameters. Both states have booming populations and good 4 season climates and low taxes.

Good Luck.
by btenny
Tue Mar 31, 2015 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Jeep owners? ("real Jeep's")
Replies: 51
Views: 2940

Re: Boglehead Jeep owners? ("real Jeep's")

Yea it was fun watching that guy abuse his Jeep. He really needs to take some snow driving lessons. All he had to do was back up with wheels slightly turned until he got out on the clear street. And no a stock Jeep Wrangler equipped with cheap factory street tires would NOT have done any better. I h...
by btenny
Tue Mar 31, 2015 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Jeep owners? ("real Jeep's")
Replies: 51
Views: 2940

Re: Boglehead Jeep owners? ("real Jeep's")

I own a 99 Jeep Grand Cherokee true 4x4 with a true two speed transfer case and the full auto lock differentials (Limited version). So it will do full off road stuff just like your CJ. I live in the mountains and have had the Jeep off road in some very big back country in south western Colorado and ...
by btenny
Sun Mar 29, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 2488

Re: Buying a house, not new, what to look for/wish you had

Find a good location near your work and your wife's work and near schools in a good neighborhood. Find a house you like with good "bones" and then fix it and remodel it as necessary. Don't worry if it needs work. You can fix a lot. Remember location, location. We bought 2800 square feet wi...
by btenny
Wed Mar 25, 2015 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 6014

Re: Any situations car leasing makes sense?

You can get good lease terms on all kinds of luxury cars and well equipped standard cars. The deal is dealers want to sell those slightly used cars at nearly new prices so they make good lease deals to keep a steady flow of used cars coming. They make a little ($500 or so) on the new car lease and a...
by btenny
Tue Mar 24, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4175

Re: [Neighbor violating HOA rules by using] VBRO and Airbnb

Serious, I hope you are right and this person quits renting his home. Yes renting may add value to a home. I don't care. It makes commercial property out of homes and makes raising kids and having old folks in the same neighborhood very difficult. I don't want to live in a hotel. My single neighbor ...
by btenny
Mon Mar 23, 2015 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4175

Re: VBRO and Airbnb versus property values

These are SFR but all are in a big Planned Area Development where HOA owns and maintains streets and several commons areas and facilities. So the HOA does a lot of stuff. How do you tell if they have this power?
by btenny
Mon Mar 23, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4175

Re: VBRO and Airbnb versus property values

Both probably. I suspect the guy would say I was libel for the things I said and liable for the valuation reduction since he cannot rent his home.
by btenny
Mon Mar 23, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4175

Re: VBRO and Airbnb versus property values

Additional point is this guy just bought this property last year. And in our area the HOA rules are required to be distributed to a home buyer as part of any property sale and signed off on before sales closing. So I know the guy had a copy of the rules. Maybe he did not read them but he had them an...
by btenny
Mon Mar 23, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4175

Re: VBRO and Airbnb versus property values

MY HOA passed a amendment to the CCRs back in 2001 covering all sorts of rental situations. That rule change was voted in by 60-75% of the home owners at that time. Those rules specifically allow long term rentals of 90 days (I think but may be more) but disallow shorter rental periods and specifica...
by btenny
Sun Mar 22, 2015 9:05 pm
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 6109

Re: One Level or Two Level House

I suggest no to the ranch type thing. A split bedroom plan with family and living and kitchen in the middle is a lot better. The key is quiet and separation of bedrooms for visitors. Your kids can come and visit (or live with you) and come in late at night and you don't care.
by btenny
Sun Mar 22, 2015 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4175

Re: VBRO and Airbnb versus property values

Yes it is my fight. I also have some previous experience with vacation rentals so I wanted to ask this community about their opinion. My other rental experience is from my second home. It is located in a small mountain town near lots of tourist stuff. So the whole town is about vacations. 1800 house...
by btenny
Sun Mar 22, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4175

[Neighbor violating HOA rules by using] VBRO and Airbnb

The house across the street where I live has become a short term vacation rental property. But my HOA is very clear this is a not allowed activity and is asking for my help to stop this activity. So I have several questions. If I help my HOA in documenting these activities am I libel for some sort o...
by btenny
Sun Mar 22, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 6109

Re: One Level or Two Level House

I have a single story home and a two story vacation home. As I age the single level is much better from a physical standpoint but it has some drawbacks. My wife's knees love it and I don't have to worry about her holding to the railing climbing up and down or hurting from the climb. I also like the ...
by btenny
Fri Mar 20, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 6014

Re: Any situations car leasing makes sense?

Yes there are circumstances where leases make sense. But they are limited. I did a lease in 2013 for the following reasons. I needed a new car as my old one had 140k miles. I had limited taxable money that I wanted to spend but enough money in tax free accounts. I am in the 25% tax bracket. So a big...
by btenny
Tue Mar 17, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 18805

Re: What are some common misconceptions found in this forum?

That buying a house to live in is not investing!!! Wrong... Many of our younger generations are still in deep trouble from buying over priced real estate. So beware over paying for stuff. A $500K (or $1M ) house is still a ton of money that can take a lifetime to repay.
by btenny
Tue Mar 17, 2015 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 106
Views: 11869

Re: Who's buying Oil stocks?

As I said back in Feb I would not be buying XOM Exxon at the $89 then for several reasons. Nor would I be a buyer at the current price of $84. Be patient it probably will go a lot lower IMO. Maybe low enough to yield 3.5% to 4% dividends, or $70-$77. Yea I know that is terrible but that is what I su...
by btenny
Mon Mar 16, 2015 10:25 am
Forum: Personal Consumer Issues
Topic: Having a tree removed
Replies: 19
Views: 2099

Re: Having a tree removed

I paid $3300 for removal of a giant eucalyptus tree that was too close to my house last year. The tree was about 40-60 feet tall and 40 inches at the base. I used a fully insured and licensed tree company that does this work for the forest service and state and lots of private stuff as well. They br...
by btenny
Sat Mar 14, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Retirement Dreams on the Water
Replies: 17
Views: 3099

Re: Retirement Dreams on the Water

Some first hand observations. My good friend owned a 49 foot Grand Banks trawler with twin diesels that he lived aboard for 12-14 years on the west coast. He sold it 4 years ago due to the high cost of travel. It got like one mile per gallon of diesel. So a trip out fishing or to Catalina was $250 o...
by btenny
Wed Mar 11, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 9974

Re: Subaru and Consumer Reports ratings

Well I have a 2013 Outback with the 3.6L 6 cylinder engine. It runs great in the snow and rain and climbs over the mountains easily. I live in the Sierra mountains and we have lots of snow and it really works great in bad conditions. It climbs over snow berms easily and has good ground clearance. It...
by btenny
Tue Feb 24, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on Kinder Morgan Stock sale
Replies: 8
Views: 2506

Re: Taxes on Kinder Morgan Stock sale

Thanks Alvin and Cuzz. I have decided to file a extension until October for my taxes this year. That will give me time over the spring and summer to research this issue in depth and figure out what to do in detail. I will talk to my accountant and get into the weeds with him on where and how to proc...
by btenny
Tue Feb 24, 2015 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Mom Asked Me For Help - I Need Your Help
Replies: 7
Views: 963

Re: Mom Asked Me For Help - I Need Your Help

Do you have any brothers or sisters or favorite cousins that your Mom may want to leave money to in the future? Besides you of course. My reason for this question is it looks to me like your Mom is trying to start a discussion with you about what she should do with her money now (what investments) a...
by btenny
Tue Feb 24, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on Kinder Morgan Stock sale
Replies: 8
Views: 2506

Re: Taxes on Kinder Morgan Stock sale

Well.... Now that you point it out I see that good old Turbo Tax never ask me questions about my capital account since way back when. And I never knew to go to the forms version and enter that data manually. I was very careful and put in all the other K-1 data as required. I even talked to my accoun...
by btenny
Tue Feb 24, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 9074

Re: Buy and Hold Forever Stocks

I would not be buying Exxon here and now for several reasons. Yes it is cheaper now than it has been in a while BUT it has serious issues. The company has not been performing very well for at least 5+ years and it shows in the annual reports and related data. That is why the company is rated a sell ...
by btenny
Tue Feb 24, 2015 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Scottrade Question
Replies: 6
Views: 631

Re: Scottrade Question

I'm curious. Why are you leaving Scottrade?
by btenny
Tue Feb 24, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Taxes on Kinder Morgan Stock sale
Replies: 8
Views: 2506

Re: Taxes on Kinder Morgan Stock sale

Cuzz, I did not report Cap Gains on anything but stuff I sold. So is this bad or ?
by btenny
Mon Feb 23, 2015 8:59 pm
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 9074

Re: Buy and Hold Forever Stocks

I hold a block of Exxon Mobil (XOM) and have held it for 30+ years, way before I became a Boglehead or even knew about mutual funds etc.. The stock has split 3-4 times over the years and way outpaced the SP500. That single stock paid my kids way through college and now pays me more in dividends annu...
by btenny
Mon Feb 23, 2015 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on Kinder Morgan Stock sale
Replies: 8
Views: 2506

Taxes on Kinder Morgan Stock sale

Has anyone actually completed their 2014 taxes that includes the KMP stock sale? Can you provide some directions for those of us who are trying to do the same thing? The issue is where to put in the various $$ and in which forms. I handled the K1 stuff before and did it again this year. That stuff i...
by btenny
Sat Feb 21, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2794

Re: Maintenance free landscaping a front yard

I have one each yellow, purple, red and orange Lantana plant all mixed up in my yard. I also have two big Jasmine out front and a whole row out back. Mine are the one with the big orange cone flowers. We also have some small and large purple flowering plants. Together with the bushes in the back and...
by btenny
Sat Feb 21, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2794

Re: Maintenance free landscaping a front yard

I am not sure. We planted desert spring flowers from seeds a few times and they came up and bloomed wonderfully and covered an area of 30 sq ft or so the first spring but then died back to brown looking stubs and dead flowers by summer. I did not pull them as I wanted them to reseed the area. Well I...
by btenny
Fri Feb 20, 2015 10:43 pm
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2794

Re: Maintenance free landscaping a front yard

When you select someone to do the work make sure you go out and look at 2 or more of his jobs. Ask some neighbors who have nice looking stuff for who did their work. Try to understand what look you want. But be careful, many of the "licensed landscape architects" are not very good at actua...
by btenny
Fri Feb 20, 2015 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Do you include an inflation estimate in your portfolio?
Replies: 17
Views: 1499

Re: Do you include an inflation estimate in your portfolio?

I took inflation into account when I first retired and really tried to figure out my budgeting and long term plan. I retired young and was not sure if I could support my needs long term without going back to work for a few more years. I used a calculator tool from Intuit called Investment Advisor. I...
by btenny
Fri Feb 20, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2794

Re: Maintenance free landscaping a front yard

Live and others. Xeriscaping is not cactus landscaping. It is putting in low water use plants and minimum or no turf/grass or high water use plants that are compatible with the local fauna and climate. It is just as applicable in Northern California or Texas where it rains a ton many times a years a...

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