Search found 4224 matches

by btenny
Mon Jan 22, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of living comparison (HCOL vs LCOL)
Replies: 31
Views: 1282

Re: Cost of living comparison (HCOL vs LCOL)

I agree a 50% salary reduction is too big to allow one to move to a LCOL state. But I bet you can find a good job that pays maybe 80% of your current salary in a nice LCOL state. I know the COL in Arizona is way lower than California. See below. Houses incur big property tax bills. You are forgettin...
by btenny
Sun Jan 21, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: What's a good file sync software?
Replies: 14
Views: 810

Re: What's a good file sync software?

Windows 10 has a good built in file backup software suite. Just go to Control Panel and then to Systems and Security and then to Backup. Then follow the prompts. I have used it fro 2 years or so. It works with the file modification date and puts the latest version on your backup disk/drive. Good Luck.
by btenny
Sun Jan 21, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 81
Views: 6343

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Active duty Army will not get paid during the government shutdown. My son in law is Army stationed over seas and has been told he will not get paid at the end of January or until this thing is settled. But his job is crucial so he has to work. My daughter also works for the government and has to wor...
by btenny
Sat Jan 20, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1610

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

The wife and I went to London from Phoenix via LAX and back in November on Norwegian air. We flew first class this time with everything included. The price for first class tickets was less than what we paid in 2016 for economy class in July. So dates matter. The flight time is 10.5 hours from LAX to...
by btenny
Sat Jan 20, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding acct to pull money for a new car?
Replies: 10
Views: 586

Re: Deciding acct to pull money for a new car?

Your situation is why I leased my Subaru in 2013 rather than pay cash. I was too young to have to do RMDs and did not want to pay big capital gains taxes if I withdrew the money from my Brokerage account. So I just did a ultra low cost lease rather than pay cash. I ran the numbers and in my case the...
by btenny
Fri Jan 19, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Someone Needs To Pay For What They Did (Advice sought)
Replies: 25
Views: 3822

Re: Someone Needs To Pay For What They Did (Advice sought)

Well you can ask the landlord for a discount for couple of months. Give them the documentation. Make sure it shows the bill being high for two months. I suggest you ask for $100 to $200 discount for two months. They may not agree but may offer alternatives or a lesser amount for other services. I ha...
by btenny
Fri Jan 19, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Gotta sell a boat - Looking for some advice
Replies: 16
Views: 1250

Re: Gotta sell a boat - Looking for some advice

It is easy to sell a boat but it does take work. You have to get the boat in showroom condition and then advertise it. Yes this means you polishing and shining the hull until it gleams. Plus you have to clean the interior and upholstery until it shines. Then open the engine compartments and anchor w...
by btenny
Wed Jan 17, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 1637

Re: London/Paris Trip Questions

Book plane tickets direct with the airline. I like Norweigen. Fly to London Gatwick and return from Paris or vice versa. There are also round trip methods via London. You just have see what works from your home town. We usually get to Los Angeles then fly out from there. That is cheaper than flying ...
by btenny
Wed Jan 17, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Lost Job. Retirement/Portfolio Advice
Replies: 46
Views: 4275

Re: Lost Job. Retirement/Portfolio Advice

Forget about that new job. Retire now. You have more $$$ than you will ever spend. You can spend 3% of your savings ($90K) per year forever and never run out of money. I do not know about the cref so I will not comment on transfers. I would reduce your asset allocation to 40% stocks and 60% bonds no...
by btenny
Wed Jan 17, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a change in asset allocation; tell me if I'm approaching this the right way
Replies: 10
Views: 836

Re: Considering a change in asset allocation; tell me if I'm approaching this the right way

I think you have too much equity. I think you should go to 65/35 or 70/30 at most. You are not 25 and just starting out so invest more conservative. And maybe buy 10 percent of the stock allocation in international.
So maybe 55/10/35 us stock, international stock, bonds.

Good luck
by btenny
Wed Jan 10, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Noise in my attic
Replies: 307
Views: 77513

Re: Noise in my attic

I grew up and have lived in southern Arizona for 60+ years. As a kid I lived about 1.5 miles from the Air Force base and the end of the run way. Sonic booms occurred all the time. F100s routinely "went ballistic" at the end of the runway. It was fantastic watching those big jets hit the after burner...
by btenny
Mon Jan 08, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: takata air bag inflator recall
Replies: 2
Views: 317

Re: takata air bag inflator recall

Oh and I would also look around and join some of the air bag lawsuits. There are several class action suits working their way through the courts.
by btenny
Mon Jan 08, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: takata air bag inflator recall
Replies: 2
Views: 317

Re: takata air bag inflator recall

Call around to several dealers and ask if you can bring in your car for repair. Keep a call long and notes of each call. Tell each shop about your situation. Also ask each dealer for the name of the higher up GM service representative. Then call that GM person and complain. TBD if it will do any goo...
by btenny
Mon Jan 08, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: any success buying a car at lease end?
Replies: 25
Views: 1945

Re: any success buying a car at lease end?

I leased a 2013 Subaru Outback Limited in March 2013. The original lease was for 39 months or June 2016. I extended the lease six months (45 months total) to December 2016 when I paid off the note and bought the car. The total transaction was easy and totally painless. The note was with Subaru Leasi...
by btenny
Sat Jan 06, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 3607

Re: E-reader for ebooks - Pros and Cons

I get it about the paper white but I strongly suggest there are better alternatives. I have a Samsung Tab A 7 inch tablet. It is just great for lots of things. I use mine for book reading, reading email and for some web browsing. I loaded mine up with a ton of music and lots of my old pictures. So I...
by btenny
Sat Jan 06, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6634

Re: Chip architecture vulnerability in pretty much everthing

How do we know that these vulnerabilities have NOT been exploited already????? If some hacker has used this before I am pretty sure he/she is not telling anyone......
by btenny
Fri Jan 05, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade Question
Replies: 19
Views: 1173

Re: Scottrade Question

I think some of the above data is wrong. I know for a fact that Scottrade has always had a check option on brokerage accounts. I have this option and it is much easier to use than a ACH transfer. I just write a Scottrade check to move money as needed to another account. Then I deposit the check in t...
by btenny
Fri Jan 05, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Real Estate vs Land vs REIT
Replies: 6
Views: 495

Re: Real Estate vs Land vs REIT

If you are not a handyman who enjoys fixing and repairing houses and buildings you should not be in the rental business. Likewise if you are not farmer or a son of farmer you have no idea what is needed to farm or how much to charge and so forth. So why buy one? So keep investing simple. Buy some mo...
by btenny
Fri Jan 05, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6634

Re: Chip architecture vulnerability in pretty much everthing

Intel bought McAfee security in August of 2010 with the specific plan to improve security. They announced at that time the merger would help them improve their chip architecture and software security. See here. https://www.reuters.com/article/idUS372474677420100819 So the way I see it Intel has had ...
by btenny
Thu Jan 04, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6634

Re: Chip architecture vulnerability in pretty much everthing

Maybe we need to back track to human speed and human interaction for some processes!!!!! And maybe we need to install big air gaps between other processes. Just thinking.
by btenny
Wed Jan 03, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: What strategy do you use to reduce sequence of returns risk in retirement?
Replies: 117
Views: 7307

Re: What strategy do you use to reduce sequence of returns risk in retirement?

I retired in December 1998. I was pretty sure we were going to see some sort of stock market crash due to the Dot Com craziness that was going on at that time. I also knew my big corp stock was likely to crash as well. So I sold off stocks and reduced my asset allocation from 65/35 down to 50/50 in ...
by btenny
Wed Jan 03, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Any real estate lawyers here?
Replies: 13
Views: 836

Re: Any real estate lawyers here?

Just because it is non buildable today does not mean it is non buildable forever. I live in Tahoe part time. There were 1000 or more home building lots around our area that had been declared unbuildable for environmental reasons back when. My neighbor had a lot like that next to him. It was vacant a...
by btenny
Wed Jan 03, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 131
Views: 12125

Re: Embarrassment Preventing Retirement Work: A factor for you?

Ah that good old scheduling freedom issue. That is the thing that makes so many great retirement jobs not so great. I quit teaching skiing after 5 winters of working too much over Christmas and New Years. My friends are no longer golf marshals as they have to commit for the full summer. Same thing f...
by btenny
Tue Jan 02, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 131
Views: 12125

Re: Embarrassment Preventing Retirement Work: A factor for you?

Cruise I get where you are coming from. I "retired early" to get out of the work life pressure at my Fortune 50 company. I was one of the key rain makers. I was constantly traveling and in meetings all day with lots of politics and issues. Plus the company was going to go through giant changes. So I...
by btenny
Mon Jan 01, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Want adequate filter to discharge clothes drier indoors
Replies: 24
Views: 2328

Re: Want adequate filter to discharge clothes drier indoors

My daughter has one of those ventless dryers in England. It does not work in winter. The clother never get dry. It works poorely in the summer. She now mostly uses a Ikea rack to dry stuff. She hates the dryer.

Get a vented dryer or use a clothes line. Good luck..
by btenny
Sun Dec 31, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Re: Appliance Install Issues

Well I went out and bought a Kill-a-watt meter. I just hooked it up to my various appliances. First the good news. I hooked it up to my counter top toaster oven to test it. That toaster draws nothing when not turned on. It draws 9.76 Amps when running or 1175 watts per the meter. The label on the to...
by btenny
Sun Dec 31, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Re: Appliance Install Issues

Chip. That is great idea. I will go to the store this PM and get one and see what all this stuff draws. Then I can make a really educated decision instead of guessing. Did you measure what your refrigerator draws when it starts up? Was the power draw during start up for the compressor a lot higher? ...
by btenny
Sat Dec 30, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Re: Appliance Install Issues

Those heat issues is part of why I did not buy a new oven all these years. My old oven worked fine including the self cleaning cycle. It got hot and baked and broiled stuff fine. Plus the self cleaning high heat set up worked great. It always cleaned all the surfaces inside fine. It did not over hea...
by btenny
Sat Dec 30, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Looking to vacation in San Diego
Replies: 16
Views: 1134

Re: Looking to vacation in San Diego

See these old discussions. San Diego is great place to visit. But in April the San Diego weather will not be all that warm, maybe 65 in the day and down to 55 at night. And the ocean will be to cold to get wet or swim. But it will be a lot nicer than New England. Good Luck. https://www.bogleheads.or...
by btenny
Sat Dec 30, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Re: Appliance Install Issues

Mouse I know what you mean. I bought this house as a retirement downsize home in 2001. It is a nice house but like all homes has some issues. One of those was the old oven/microwave combo. I put off replacing it for years because the old oven and microwave both still worked OK. But it was 35 years o...
by btenny
Sat Dec 30, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Re: Appliance Install Issues

How about we move the new microwave plug to a different 15 amp circuit wall plug? This circuit is different than the refrigerator circuit. It is on the other side of the microwave and is used now for my two coffee pots. I need to check the panel to see if the circuit breaker for this plug supports o...
by btenny
Sat Dec 30, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Re: Appliance Install Issues

Well a new circuit is for sure a really nice plan but in my case really crazy I suspect. I have a flat roof house (in that area) with the house electric panel out on the garage outside wall. It is 20 feet away from the kitchen in a house with no attic near where the wiring is needed. Plus the AC uni...
by btenny
Sat Dec 30, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Re: Appliance Install Issues

Can I just get a electrician to rewire the 220 circuit behind the oven and make that setup a 220 oven socket and a 110 microwave socket? That will mean taking the oven out for a day and then getting a electrician to come out and do the electric and then getting the installer to redo the oven install...
by btenny
Sat Dec 30, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Re: Appliance Install Issues

Part of the purchase price was a $370 charge for the install and removal of the old stuff. That fee went directly to the installers per the dealer. So I paid for the work. I did not expect a full certified electrician. But I did expect a safe and correct install. I thought the installers did enough ...
by btenny
Sat Dec 30, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Re: Appliance Install Issues

The old microwave was part of a dual oven setup. Everything was all connected together into one unit, a oven on the bottom and a microwave on top. The whole thing ran on 220. The new setup is two separate units. A microwave that runs on 110. And a single oven that runs on 220. They hooked the new ov...
by btenny
Sat Dec 30, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2037

Appliance Install Issues

I bought my wife a new wall oven and microwave for Christmas. Plus other stuff. :happy They installed them yesterday. They hooked the new wall oven to the old wall oven 220 electric. Then they routed the new microwave 110 electric over to the refrigerator socket and hooked it to that outlet. The ins...
by btenny
Fri Dec 29, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9317

Re: Plow Guy Raised Rates

I would shop around for a cheaper guy. I think you are over paying for this service unless you have a giant driveway. I live in Tahoe part time. I only pay $25 for my driveway if I get it done special. But mostly I pay $400 for the whole winter. This gets the drive plowed by 10AM on snow days with m...
by btenny
Fri Dec 29, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Spain Trip: Barcelona & Girona + Cycling
Replies: 11
Views: 653

Re: Spain Trip: Barcelona & Girona + Cycling

I just got back from a week in Spain. It is a wonderful country. We had a ball. We are not bikers so we mostly walked and took cabs and tours. In addition to all the stuff in Barcelona I also recommend doing the Montserrat tour and seeing that wonderful area and the church up on the mountain. I bet ...
by btenny
Thu Dec 28, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Upsizing Real Estate for Location/Ease
Replies: 14
Views: 1179

Re: Upsizing Real Estate for Location/Ease

I would go for it. Yes it will be difficult in the short term with moving and a new mortgage But I think you will find you both love the easy commute and the easy to go anywhere location. Plus you can walk or bike or drive a electric car to work to save even more. This feature will only get better o...
by btenny
Thu Dec 28, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Buying a car advice - what's new since 1994?
Replies: 43
Views: 3157

Re: Buying a car advice - what's new since 1994?

Go down to the Nissan dealer and try out the base Nissan Titan crew cab pickup truck. It comes equipped with a 40/20/40 split front bench seat and a full size back seat. These seats fold into all kinds of different configurations. Most of the pictures show the center front seat folded down but if yo...
by btenny
Mon Dec 25, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Saga of the travels of a US Postal Service Shipment
Replies: 9
Views: 1509

Re: Saga of the travels of a US Postal Service Shipment

Merry Christmas Sheep and other Bogleheads. I am just thankful we have a good postal service and good address system that allow us to ship stuff with a high certainty it will eventually arrive all across the US. Many places in the world the shipping price is much higher and the delivery is uncertain...
by btenny
Sat Dec 23, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Ever tempted to shut it down once you have “enough”?
Replies: 37
Views: 4238

Re: Ever tempted to shut it down once you have “enough”?

Last year when I got to 70 and started full SS along with my other pensions and my investments I realized I had more than enough to live well for my remaining years. My asset allocation was 60/40 at 52 when I first retired. I reduced it to 50/50 soon after that for security and then slowly to 38/62 ...
by btenny
Sat Dec 23, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Naval Officer looking ahead to retirement
Replies: 10
Views: 1095

Re: Naval Officer looking ahead to retirement

I think you need to go on a taxable savings binge for the next two and a half years until you retire. You will probably need at least $100K or so in savings to bridge to a good job. So I think you need to save a lot more. I suspect you are like the other military guys I know who have retired, you wi...
by btenny
Sat Dec 23, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 47
Views: 3478

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

I have 2006 Lincoln Zephr that is in the same situation. It has a bad passenger airbag and there is no date from Ford when or if they will ever replace the thing. The car has 86K miles so we have mostly stopped driving it when both of us needs to be in the car. We used to drive the car all summer an...
by btenny
Thu Dec 21, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Charged a High Management Fee at Wells Fargo
Replies: 49
Views: 2972

Re: Getting Charged a High Management Fee at Wells Fargo

I know Wells has been in the news a lot lately but they did not go broke like all the other banks in 2008. They are not that crazy or high risk despite what some might think. I have never had any issues with them in 40+ years and lots of different transactions and account types. They have good servi...
by btenny
Thu Dec 21, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the house...
Replies: 9
Views: 866

Re: Paying off the house...

I suggest you put about $60K in a self directed taxable investment account. Then invest that $$ in intermediate term muni bonds, something like VFICX. Then use the other $60K to pay off part of your mortgage. Then set up some sort of auto pay system where you put $5K per month in the investment acco...
by btenny
Thu Dec 21, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 11759

Re: A meal with friends yields a financial revelation

Keno. We ate at the Punjab restaurant in the theater district. It is advertised as the oldest and and one of the best Indian food places In London. It has full 4-5 star reviews on Yelp and other review sites. My kids selected the spot. They were introduced to the place by a friend who lives in Londo...
by btenny
Wed Dec 20, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3017

Re: Hotel $50-500/night Expectations

Oh and one of the worst hotels we have ever stayed at was the Disney Sports Experience (???) hotel in Orlando. We paid $200 for that lousy place. We stayed one night and left early. The beds were terrible. There are no carpets or rugs in the rooms so the floors are hard and cold. It was a 1/4 mile w...
by btenny
Wed Dec 20, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3017

Re: Hotel $50-500/night Expectations

$100 is possible but not likely for a decent hotel. The only time I find this low a price is way off season or in way out of the way locations. I know we paid $100ish Euro in Valencia Spain for a nice hotel in late November but also know that spot is $200-$300 Euros in the summer. Likewise I have pa...