Search found 2423 matches

by btenny
Fri Aug 28, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 37
Views: 6038

Re: Too good to be true? vgenx or vgpmx

Well guys I suggest that both of these sector funds are not really "representative of the real sectors". Both these funds leave out huge parts of their respective industries. Look at them. VGENX is supposed to represent the Energy Sector. Well it really only holds big oil company stocks fr...
by btenny
Thu Aug 27, 2015 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retired with cash...How to re-enter?
Replies: 13
Views: 1530

Re: Retired with cash...How to re-enter?

I did the same thing in 1998-1999 when I retired. I was 60-70% individual stocks inside my 401K because that is what my company offered. So I converted the entire 401K to cash first at my old company. Then I transferred the 401K (in all cash) to a outside manager. Then I rolled the 401K to a IRA. Bu...
by btenny
Thu Aug 27, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 1725

Re: Kitces - Managing the Medicare B Premium Spike

Well I am in another case not discussed. I am on Medicare Part B and taking SS on my wife's benefit and paying $104ish per month for part B with a deduction from that money. I have suspended my benefits and am not 70 yet so I did not want to start my SS this year. Anyone know how this will be handle...
by btenny
Wed Aug 26, 2015 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: VTI - "Market" order type
Replies: 25
Views: 1939

Re: VTI - "Market" order type

Open market order can sting you much worse that a few pennies. Look at what happened to folks on this past Monday AM when the market first opened. See below for the 5 day chart that includes trading over the weekend and early Monday AM. ETF stocks like VTI closed at $102ish on Friday at 4 PM. Pre ma...
by btenny
Wed Aug 26, 2015 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 17
Views: 1967

Re: Paying for a big ticket item on retirement?

English. Do you have pets that you want to take traveling with you? I did for years and tried the RV thing for a while. We found it too expensive and limiting. We had to "camp out in the boonies". That was a real problem for us. We wanted to stay and visit city centers like Washington DC o...
by btenny
Wed Aug 26, 2015 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 17
Views: 1967

Re: Paying for a big ticket item on retirement?

Have you investigated leasing a trailer? I am pretty sure you can lease a motor home RV so I would think you can lease a trailer. But the cost of used small RV trailers is pretty low so I would suspect you really can just pay cash. I know my BIL paid $12K or so for a really nice 23 footer last summe...
by btenny
Wed Aug 26, 2015 4:58 pm
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 43
Views: 3386

Re: Floss aversion

See here for some of the big floss handles. I use these big flossing handles as I have big fingers so the small individual floss sticks don't work for me. I use them with various kinds of floss. http://powerdental.com/flossaid-floss-holder-3pack.aspx?utm_medium=shoppingengine&utm_source=googleba...
by btenny
Tue Aug 25, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 59
Views: 3098

Re: Ant Control

If you can find the hive use Club Soda on it. Pour about a 1/2 liter onto the mound and surrounding areas. The ants pick up the soda water with carbonation and take it to the queen where she explodes from the carbonation. We do this outdoors near our deck and it works great for 2-3 months. Pour soda...
by btenny
Mon Aug 24, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: Kind of getting excited about energy stocks
Replies: 50
Views: 4330

Re: Kind of getting excited about energy stocks

Yes Great. Doing too many things at once is why I am really worried about XOM. They are drilling like mad, moving to 50% NG mix and going deep water all over and investing like mad in unstable countries like Russia. Can they really afford all this? They are now in debt $40B versus $0B a few years ag...
by btenny
Mon Aug 24, 2015 11:30 am
Forum: Investing - Theory, News & General
Topic: Kind of getting excited about energy stocks
Replies: 50
Views: 4330

Re: Kind of getting excited about energy stocks

Well as bad as oil stocks are today I guess I think they are going even lower. And some are going a lot lower IMO. So I would not be a buyer of the energy index yet. Maybe November or January next year, but not now. Likewise I said back when $72 or so was a good price for XOM but now that it is ther...
by btenny
Mon Aug 24, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Scoring a deal on a boat
Replies: 30
Views: 2210

Re: Scoring a deal on a boat

Another boat person here. I have owned several over the last 50 years. Presently own a 24 foot cuddy cabin that I use about 2 times a week. I agree with most of 2commas comments. But really old boats of 20 years or more can be fine IF they are taken care of and used in fresh water and stored with a ...
by btenny
Wed Aug 19, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28196

Re: Free Windows 10 Upgrade, Yes or No?

More data on Windows privacy issues here. According to this article Win 10 is key stroke logging and sending the data back to MS even if you deselect stuff. I guess I will not be using Win 10 for while. http://www.networkworld.com/article/2972248/microsoft-subnet/windows-10-privacy-contacts-microsof...
by btenny
Wed Aug 19, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Cancer (and expensive medical expenses) during early retirement
Replies: 29
Views: 3036

Re: Cancer (and expensive medical expenses) during early retirement

If you retire early you need good health insurance from somewhere and it should cover most expenses associated with a major illness. Many people get sick in their 50s and 60s and cannot work. The real issue is can you afford to retire and pay the health insurance.

Good Luck.
by btenny
Tue Aug 18, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 1798

Re: Medicare Part B Supplement - Down to Few Options

Same as Greying Duke. Wife and I both have had F high deductible for 3+ years in California with Anthem BC/BS. Had one year with quite a few doctors bills and a minor surgery but did not hit the $2K deductible. I estimate we have saved around $2500 net over the 3 years. Every year we pay $500 or so ...
by btenny
Tue Aug 18, 2015 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Money Movement into Escrow
Replies: 8
Views: 649

Re: Money Movement into Escrow

Go to Wells Fargo and talk to the senior banker in detail about your plans. He/she can advise you on exactly what can be done and the schedule. I suspect there are other rules besides the FICA ones about "money ageing" and "money sources" if the amount is over $100K. I had to wai...
by btenny
Tue Aug 18, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: should we keep a mortgage in retirement
Replies: 17
Views: 1672

Re: should weI keep a mortgage in retirement

I did the math way back in 2002 or so on my retirement home mortgage. I figured I could invest the money I used to pay off the loan at 2% or so more than my mortgage. I figured my mortgage payments were partly tax deductible. I used Turbo Tax to calculate the taxes between the two cases. The net &qu...
by btenny
Mon Aug 17, 2015 1:46 pm
Forum: Investing - Theory, News & General
Topic: Short-Term Investment Grade Corporate Bond Funds
Replies: 10
Views: 1434

Re: Short-Term Investment Grade Corporate Bond Funds

I am long time retired so I have a low risk portfolio and a big percentage of bonds in my asset allocation. Plus I am worried about earning more than inflation. So yes I keep about 5 years of money in short term investment grade as part of my sort of cash pile. I also keep about 1-1.5 years of money...
by btenny
Sun Aug 16, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2295

Re: Cell Phone Reception

IF you truly travel "out in the boonies" a lot and need phone service you should look into a satellite phone like Iridium. The service is not as good as cellphones and more expensive but you always have a connection. See here. https://www.iridium.com/default.aspx A sat phone is good anywhe...
by btenny
Sun Aug 16, 2015 11:43 am
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2295

Re: Cell Phone Reception

In the Sierras out west around Tahoe, ATT is king for much better coverage than Verizon. We can use our phone in the car in places with no dropped calls and in our home and downstairs. Verizon customer have to stand in the street to get connections and have no connections at all out on the highways....
by btenny
Sun Aug 16, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 39
Views: 2772

Re: Laptop Recommendation

I bought a new HP Spectre about a month ago. It is a 2 in 1 laptop with a high resolution 13 inch touch screen with windows 8.1 and a Intel I7 CPU. I added options for 500GB of SSD and 8GB of ram. It boots up in 5 seconds and runs all the standard Windows programs. The laptop has battery life of 9+ ...
by btenny
Sat Aug 15, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Finding good Term-Insurance Policy ... need to sign tomorrow. Who do I trust? Plz Help
Replies: 23
Views: 1165

Re: Finding good Term-Insurance Policy ... need to sign tomorrow. Who do I trust? Plz Help

My son is an independent agent. He says lots of companies offer low cost low value policies of $300K-500K with no medical underwriting. I am not sure if those are the lowest cost but they offer you one data point. He can price those over the phone to a exact $$ amount and put them in force immediate...
by btenny
Tue Aug 11, 2015 7:42 pm
Forum: Personal Consumer Issues
Topic: The case of the exploding vehicle sunroofs
Replies: 31
Views: 2499

Re: The case of the exploding vehicle sunroofs

Cars in Arizona have always had issues with exploding windows or windshields or back windows when they were new and closed up in the summer. The cars were new and almost airtight so the heat in the car pushed out the windows when they were in direct sunlight and caused them to explode. So all Arizon...
by btenny
Tue Aug 11, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: AT&T contract: keep or move to Next?
Replies: 8
Views: 447

Re: AT&T contract: keep or move to Next?

Go to the ATT store and cancel your plan and have your phones unlocked by them. Then change to a own your own device month to month set up and unlocked phones with unlimited minutes and texts and say 6G of data. We pay $35 per smart phone and $20 (about) for this set up with ATT. I think our total b...
by btenny
Wed Aug 05, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 78
Views: 5358

Re: Aloha Shirt: Yes or No

Well I have several of them in various colors and fabrics. I love the bright look and since I am of that age and fully retired they sort of fit the "retired look". But there are tons of variation in look and material. So I wear a different look shirt depending on the event or what I am doi...
by btenny
Mon Aug 03, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: Asset Class Returns and Climate Change, 2015-2050
Replies: 30
Views: 1489

Re: Asset Class Returns and Climate Change, 2015-2050

Well I have allocation to oil and XOM and KMI due to legacy and tax reasons. I like owning "commodity like " stocks that are good hard assets. They have been good to me for decades. But now the price of oil (and those stocks) is falling and may fall further for various reason including the...
by btenny
Sun Aug 02, 2015 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: would-be semi-retirees, could you find part-time work?
Replies: 15
Views: 1956

Re: Poll: would-be semi-retirees, could you find part-time work?

I worked as a ski instructor for 5 winters after I retired. The job is part time by definition. It starts in November and ends in April. The hours are funny. Some weeks you work 50+ hours for 10-14 days straight. Some weeks you work maybe 20 hours. Depends of the snow and time of year and customers ...
by btenny
Sun Aug 02, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 35
Views: 4217

Re: Is Being a Private Banking Client Worth it?

See here for Wells Fargo story. http://online.barrons.com/articles/SB52784017629588234037504580174300766097966 Some higher end people have very limited time and need the abilities of a private banker. Same with lots of small business owners. They need special services like revolving credit lines and...
by btenny
Sun Aug 02, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Enough is enough
Replies: 51
Views: 14871

Re: Enough is enough

I choose to retire early at 52 with a reduced pension and lower long term $$ due to less savings and investing time. Two financial planners said I might not have enough money. I chose time over money and decided to downsize at the same time. It was the best decision I ever made. Looking back after 1...
by btenny
Sun Aug 02, 2015 11:36 am
Forum: Personal Consumer Issues
Topic: [looking] for car suggestions
Replies: 60
Views: 3740

Re: look for car suggestions

Another Subaru fan here but also own a Jeep Grand Cherokee. Both are great in the deep Sierra snow and packed ice and snow berms that I see at 6200 feet. Either one would work great for your situation. Neither are luxury cars/SUVs. I have a 2013 Subaru 3.6R Limited without the Eyesight stuff. It is ...
by btenny
Wed Jul 29, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Need car for 6 months a year. Best ideas?
Replies: 16
Views: 1286

Re: Need car for 6 months a year. Best ideas?

I would just keep an older car and not use it 6 months a year. That is the cheapest way. But when you "put it away" each year you will need to do a few things. I would put stabilizer in the gas, disconnect the battery, change the oil and air up the tires to maximum. Store the car in a gara...
by btenny
Sun Jul 26, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13429

Re: Would you look down on a co-worker for driving a beater?

Depending on where and what you do for living you would instantly qualify for a job in middle management. Bosses look on people who drive older cars as people who know how to conserve money and not spend it frivolously. One of the most respected senior guys at my company rode a 35 year old Honda 75 ...
by btenny
Sun Jul 26, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 2628

Re: How much does Property Tax factor in home purchase?

How many here have full recourse loans?
by btenny
Sun Jul 26, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 2628

Re: How much does Property Tax factor in home purchase?

I guess they went down for now. They were 5% from 2011 thru 2014. Will they really stay down?

http://www.revenue.state.il.us/TaxRates ... rYears.htm
by btenny
Sat Jul 25, 2015 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 2628

Re: How much does Property Tax factor in home purchase?

I would not suggest you buy a home in Illinois at this time. There are just too many property and tax issues with buying in that state right now. But if you are willing to make a probable life long commitment to the area and the taxes as you find them, then I would proceed very carefully but otherwi...
by btenny
Sat Jul 25, 2015 12:03 pm
Forum: Personal Consumer Issues
Topic: Home Window Replacement - Recommendations (Southwest)?
Replies: 13
Views: 899

Re: Home Window Replacement - Recommendations (Southwest)?

We did our whole house window replacement back in 2010 in two segments. We did the back first after some storm damage and then the front the next year. We did our with Milgard Vinyl windows designed for the desert. We live in Phoenix. These windows are great IMO. The company has a regional factory i...
by btenny
Thu Jul 23, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: solar energy in new england
Replies: 32
Views: 1957

Re: solar energy in new england

Do you use lights in the winter? I bet since you are so smart your home still uses NG Lights? Does your NG heater use a air blower and electric starter? Does your furnace have electric interlocks? Does your home have electric garage door opener? How about that dishwasher? How about that computer you...
by btenny
Thu Jul 23, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: solar energy in new england
Replies: 32
Views: 1957

Re: solar energy in new england

Rude personal insults are really wonderful and appreciated on this board. They show your intelligence about the topic and how you are unwilling to listen to opposing views.

PS. I was building LSI chips before you existed and have the patents to prove it. How many do you have?
by btenny
Thu Jul 23, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 93
Views: 16148

Re: Downsize, Reduce, Simplify.

I retired and downsized many years ago and loved it. Bought a small home and paid cash. Got rid of a ton of stuff. Now we had time to do fun things. We love not having all the big home/yard to take care of. Loved the old place but also loved seeing it go. Together with retiring early was the best de...
by btenny
Thu Jul 23, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 93
Views: 16148

Re: Downsize, Reduce, Simplify.

Big parties can be held in small spaces. It just takes planning. Several of our friends have moved into smaller homes and townhouses. So now they hold parties outdoors in the summer. The weather is nice now and so they set up several tables in the back yard (or common area) and put on table clothes ...
by btenny
Thu Jul 23, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 1704

Re: Ross Root Feeder

I have one that I use pretty regularly in Arizona to feed my big trees. It works pretty good. The City of Phoenix also does tree feeding and watering with a perforated drain pipe like you describe. They put one perforated pipe per big tree in the ground and then put a sprinkler inside it. Then the p...
by btenny
Thu Jul 23, 2015 12:28 pm
Forum: Investing - Theory, News & General
Topic: Hard assets are having some very hard times
Replies: 16
Views: 1896

Re: Hard assets are having some very hard times

Oil is down over 50 percent and still falling. Some are saying $20 is possible. So a drop of 80 percent. I cannot imagine what the company CEOs are talking about behind closed doors today. I worry about my XOM and KMI investments. The bigger question is will this precipitous drop cause deflation and...
by btenny
Thu Jul 23, 2015 12:22 pm
Forum: Personal Consumer Issues
Topic: Problem w/ vehicle, dealership shrugs shoulders
Replies: 24
Views: 2309

Re: Problem w/ vehicle, dealership shrugs shoulders

That is a good part of the reason I did not buy the latest "eyesight" system from Subaru when it first came out on my 2013 Outback. Besides the big expense. I was and am still worried about bugs and defects and hacking issues that are know and unknown in these complex electronic cars. I th...
by btenny
Thu Jul 23, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Hard assets are having some very hard times
Replies: 16
Views: 1896

Re: Hard assets are having some very hard times

I have long held a percentage of my investments in Exxon (XOM) because I bought that stock decades ago and have held it since. I now collect more in dividends each year than the initial investment. I added a chunk of KMP a few years ago to round up my asset allocation to "Commodities " to ...
by btenny
Thu Jul 23, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Bogle backfire?
Replies: 66
Views: 7863

Re: Bogle backfire?

Well.... I have two friends who used to be married. He is a swing for the fences guy and she is conservative quiet type. He got lucky after they divorced and a made ton of money in real estate. But his second wife passed away early so he is now rich and old and lonely. He plays a lot of golf. His ex...
by btenny
Thu Jul 23, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Problem w/ vehicle, dealership shrugs shoulders
Replies: 24
Views: 2309

Re: Problem w/ vehicle, dealership shrugs shoulders

My cousin is a very senior mechanic with GM/Chevrolet. He spends about sixty percent or more of his days driving around in cars/trucks to get them to fail in some funny mode. He said it is a real problem to find errors or failure modes today. I also know that creating special "test cases" ...
by btenny
Wed Jul 22, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: solar energy in new england
Replies: 32
Views: 1957

Re: solar energy in new england

New Grid Fees for solar customers may be coming your way. http://thinkprogress.org/climate/2015/02/27/3627891/arizona-utility-adds-50-dollar-rooftop-solar-fee/ http://www.mprnews.org/story/2015/06/18/grid-fees http://www.mass.gov/eea/energy-utilities-clean-tech/electric-power/grid-mod/grid-moderniza...
by btenny
Wed Jul 22, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: solar energy in new england
Replies: 32
Views: 1957

Re: solar energy in new england

Well guys everything I said stands. You need more power in the cold winter months and solar will not provide that. Yes you can install solar "right now" and make the numbers work. See below. http://atomicinsights.com/power-new-england-prices-increasing-rapidly/ http://www.wbur.org/2015/03/...
by btenny
Tue Jul 21, 2015 7:58 pm
Forum: Personal Consumer Issues
Topic: solar energy in new england
Replies: 32
Views: 1957

Re: solar energy in new england

Well with the federal rebate and various Mass rebates paying everyone over 50-60% of the costs of panels I guess there are lots of installers. But I suggest these solar panels will not really pay for themselves in less than 15 years due to snow issues. That is not an investment I want to make. Pleas...
by btenny
Tue Jul 21, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: solar energy in new england
Replies: 32
Views: 1957

Re: solar energy in new england

New England is too far north and too cloudy and stormy to get enough sun to make solar electric work well. So no one that I know of sells the panels or installs them there. Plus solar works the best in summer when New Englanders don't need much energy. You guys need lots of energy in the winter for ...

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