Search found 2933 matches

by btenny
Wed Jul 27, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 70
Views: 3763

Re: Interview in Silicon Valley - Suit?

The interviewer told the OP to "wear what he feels comfortable in." The interviewer is telling him to express how he feels about clothes and how he dresses normally. See my links above. The person is telling the OP to dress like he would to come to work. That means business casual to a lev...
by btenny
Wed Jul 27, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving "on or before work anniversary" and golden handcuffs
Replies: 22
Views: 2909

Re: Leaving "on or before work anniversary" and golden handcuffs

Give them one month more. Don't quit until you have worked there N years plus one month. Then they have no arguments. You fulfilled the agreement.

Good Luck.
by btenny
Wed Jul 27, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 70
Views: 3763

Re: Interview in Silicon Valley - Suit?

Again I suggest business casual but tuned to your personality and the job you seek. See answers from the internet. https://www.quora.com/Do-Silicon-Valley-startups-expect-you-to-wear-a-suit-to-an-interview-or-is-this-frowned-upon http://www.marketplace.org/2014/01/28/tech/silicon-valley-has-dress-co...
by btenny
Wed Jul 27, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 70
Views: 3763

Re: Interview in Silicon Valley - Suit?

I have a friend who works for a takeover company owned by IBM in the Bay area. He went to work there after IBM took over. He is old but very highly educated and specialized and earns great $$$. He wore a tie and business causal to the interview when he started a few years ago. He was told after he g...
by btenny
Mon Jul 25, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 50
Views: 3525

Re: My experience with "older" used car

I own an older car now and am going through the same issues. It is a 1999 Jeep Grand Cherokee with 119K miles and I have owned it for 13 years. It has been great. Almost zero repairs and a true do everything car. But now the small stuff is starting to just "wear out" from old age. The driv...
by btenny
Mon Jul 25, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Retirement for Women(?)
Replies: 34
Views: 3197

Re: Retirement for Women(?)

The biggest budget risk for women (and men ) is loosing your spouse early in retirement and the pensions that go with the spouse. Many couples can afford to retire and live pretty well on two pensions and some small savings. Things look great for many years. Then everything falls apart when the spou...
by btenny
Mon Jul 25, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: Passport Nightmare
Replies: 32
Views: 3850

Re: Passport Nightmare

Back in the late 1990s when I still worked we would send people who needed passports quickly to the Los Angeles Passport Office in person. They took there birth certificate and drivers license and other Id. The office would issue a passport in 2-3 days, They would address any issues. It worked great...
by btenny
Sun Jul 24, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Bose Soundlink speaker - question about powering it.
Replies: 7
Views: 567

Re: Bose Soundlink speaker - question about powering it.

Oh and you can buy a new battery for your sound link for $49 on Amazon according to Google. I checked my Sound link and the bottom comes off so you can replace the battery. So your friend is just generalizing.

Good Luck.
by btenny
Sun Jul 24, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Bose Soundlink speaker - question about powering it.
Replies: 7
Views: 567

Re: Bose Soundlink speaker - question about powering it.

I found no mention of battery failure on the Bose Sound Link Mini anywhere in Google. I did find a few discussion about "battery pole reversal" and a method to cure that. I know my Sound Link is 3+ years old and works great and sounds great and the battery lasts a long time. So I think you...
by btenny
Sun Jul 24, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 39
Views: 2882

Re: Buying a fairly new RV, suggestions.

IF you have to finance the RV and you are still working why do you really want one? I don't think an RV is a good deal for you at this time. You can only use it a few weeks a year. You will pay a ton to store it. You will pay a ton to insure it. You will be constantly fixing it and paying repair bil...
by btenny
Sat Jul 23, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 2572

Re: Should one upgrade to Windows 10? Free thru July 29?

I upgraded my Win 8.1 laptop yesterday. So far everything seems to be working good. The upgrade was fast and easy and took 2 hours total. So far I have found a few things that are funny but overall it is almost the same as Win 8.1. The print screen always go to the first page of the document no matt...
by btenny
Fri Jul 22, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11469

Re: Early retirees, how much did you leave on the table?

I retired very early at 52. I left on my terms and my selection. I gave up a lot of $$$ I am sure, maybe 30-50% or more in my retirement portfolio. But I am not sure I would have lived through 10 more years of working and travel stress at my big corporation job. I know I would have been much worse o...
by btenny
Thu Jul 21, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: London theatre tickets
Replies: 10
Views: 669

Re: London theatre tickets

We went to see The Spoils a week ago when we were in London. It was nice. The show is very intense. Jesse Eisenberg was great and so was the supporting cast. See the reviews. The show is not for everyone. The theatre is small and so are the seats and you will be packed in like sardines. So be prepar...
by btenny
Tue Jul 19, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Most economical overseas travels
Replies: 22
Views: 1927

Re: Most economical overseas travels

See here for tips from Paul Terhorst a early retirement pioneer. He has lots of suggestions. He buys airline tickets overseas via an out of country travel agent. He uses foreign carriers. He travels between foreign ports. See his web site and his writing for details. I also know right now short hop ...
by btenny
Mon Jul 18, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6861

Re: HOA Swimming Pool Trespassing Issue

Guard dog service. You may need big help to start but after word gets out not much.

Other choice is a hard full pool cover that is automated.

But you have to do something more than camera. If some kid gets hurt big lawsuits will follow.
by btenny
Mon Jul 18, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: at milestone - help please
Replies: 4
Views: 787

Re: at milestone - help please

What is your income after your wife retires? Do you have life insurance on you and your wife? Disability insurance? Have you evaluated pension alternatives with and without life insurance? I bought life insurance and took 100 percent option on my pension. If payout is more than 5ish per cent pension...
by btenny
Fri Jul 08, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Anyone Else Purchase a "Killer Jeep"?
Replies: 30
Views: 3691

Re: Anyone Else Purchase a "Killer Jeep"?

MB have similar stick shifter. I don't like that one either. This mess is similar to key fob mess where car is still running hours later. TOO much new untested electronics with bad human factors and poor safety and tons of beta software.

Oh ya we now have killer air bags as well.
by btenny
Fri Jul 08, 2016 7:45 am
Forum: Personal Consumer Issues
Topic: Simpliest Maintenance Single Family Home (AZ)
Replies: 24
Views: 2264

Re: Simpliest Maintenance Single Family Home (AZ)

Buy a house near where your family lives. Get no pool Minimim carpet. 2/3 bdrms 2 baths. 100%. rock landscaping. Few plants and auto watering. No or minimum hoa. Watet shutoff for house when you leave. Lots of choices like this in Sun City. But renting may be better for you. Landlord fixes stuff ins...
by btenny
Fri Jul 08, 2016 7:32 am
Forum: Personal Consumer Issues
Topic: Dealers list used cars way above KBB value, why?
Replies: 25
Views: 2463

Re: Dealers list used cars way above KBB value, why?

Used car prices are local and brand dependent like houses. So some cars are really sold at high prices for used cars. In Arizona slightly used cars sell high due to Canada buyers importing used cars to avoid tax. Likewise used 4 wheel drives are cheap. So things vary.
by btenny
Tue Jul 05, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: stocks + oil = same return w/ less stand. deviation??
Replies: 26
Views: 1266

Re: stocks + oil = same return w/ less stand. deviation??

I have owned XOM in my portfolio at 8% or so for decades. That has worked well for me. I count it as commodities but also have big single stock risk. I am not sure if it reduced my risk. I think it reduced my returns slightly in recent years. In previous times it was great.
by btenny
Tue Jul 05, 2016 4:34 am
Forum: Investing - Theory, News & General
Topic: stocks + oil = same return w/ less stand. deviation??
Replies: 26
Views: 1266

Re: stocks + oil = same return w/ less stand. deviation??

The problem ls how to hold oil. XOM or CNP or. OIL or. ?
by btenny
Wed Jun 29, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16260

Re: Actionable advice in a Brexit scenario

Traveling to England and visiting from the US is now much cheaper. So very actionable. :happy :happy

Have Fun...
by btenny
Mon Jun 27, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 3589

Re: Loans to Friends

The fact that he ask for this MUCH money by email is astonishing to me. This kind of request by any means but in person or phone should alarm you as to his poor approach to money and life in general. I hope you recognize how poor manners this is and respond accordingly. Tell him NO by email that you...
by btenny
Fri Jun 24, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Coaches?
Replies: 52
Views: 3828

Re: Retirement Coaches?

My Big Corp offered a set of benefits to help all the employees learn about "life and retirement plans". It was very useful. Basically they gave us money to pay for consultants. Then the company set up appointments with various consultants to help us understand things like retirement savin...
by btenny
Thu Jun 23, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice (ego, startup, San Francisco Bay Area)
Replies: 52
Views: 5465

Re: Very tough career choice (ego, startup, San Francisco Bay Area)

Well you have a problem. Unless this company grows like mad they cannot afford your big salary and this new guys big salary. One of you has to go. Plus you centered the engineering team in Sacto and they probably wanted it is SF but have never came out and told you that. So I suspect you have bigger...
by btenny
Sat Jun 18, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 4799

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

There is absolutely something wrong with your car. A good car battery should last several years unless something in the car is killing the batteries. I suggest you go to the dealer today and ask to talk to the Service Manager. Make an appointment if necessary. Then go into this guys office and set d...
by btenny
Wed Jun 15, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 251
Views: 20441

Re: Flaunt Your High-Mileage Car

Cindy. You are mistaken, I take care of my cars as necessary. I fix things that break as needed. I change oil as necessary and replace things that are due to be changed. But I do not drive $45K sedans in the city where wear and tear is minimized. Lexus cars are reliable city cars that last but are e...
by btenny
Wed Jun 15, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 251
Views: 20441

Re: Flaunt Your High-Mileage Car

rpl3000. I suggest you take your GOLF to the garage and have them look at the exhaust systems for a collapsed catalytic converter. My daughters VW Cabrio had similar symptoms to your car. No get up and go. Hers finally quit completely on a road trip. She broke down out in the desert. After some dete...
by btenny
Wed Jun 15, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Leisure Time versus Thriftiness
Replies: 100
Views: 7092

Re: Leisure Time versus Thriftiness

Yes retirement wear and lifestyle is much different than working wear and style. I now understand why many old guys (rich and otherwise) looked sort of "bum like" when I was younger. When I retired I gave my good suits and cold weather overcoats (no more winter travel to east) to my son. I...
by btenny
Tue Jun 14, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Leisure Time versus Thriftiness
Replies: 100
Views: 7092

Re: Leisure Time versus Thriftiness

We shop around for some stuff. We are retired so we have time to do comparison shopping. I find price is not my main tradeoff. I find that I have to spend a lot time looking for the features I want in a product. The internet has improved that a ton. But my wife just likes to shop. Both Internet or r...
by btenny
Mon Jun 13, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: Help! Microsoft kills WIN Live Mail-2012
Replies: 22
Views: 1739

Re: Help! Microsoft kills WIN Live Mail-2012

Please clarify. I did not get any message from Microsoft. So I am wondering if I am effected? Is Microsoft Outlook reader that I use to access a email account from another internet company going to quit working? I have used it for years with Windows 7 and we still use it on two computers that have t...
by btenny
Sun Jun 12, 2016 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Medigap plan worth it, with our assets?
Replies: 27
Views: 2020

Re: Is a Medigap plan worth it, with our assets?

The full Medigap Plan F that covers everything you have is very expensive. Have you price shopped it versus the Plan F from other companies? Plan F in California is around $151 per person or $302 for two. So that is some savings. But I prefer Medigap Plan F High Deductible. In California Plan F - HD...
by btenny
Sat Jun 11, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to best afford IVF
Replies: 53
Views: 4517

Re: How to best afford IVF

Before you go for some multiple try approach be aware that some women have real medical and related issues with IVF and stop after 2-3 tries. So make sure if you do the multiple try approach that you still get a refund of some sort if you elect to stop early without a successful birth. This happened...
by btenny
Sat Jun 11, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Encyclopedia, World Book, Complete Set, 1960 Ed.
Replies: 37
Views: 2777

Re: Encyclopedia, World Book, Complete Set, 1960 Ed.

I had to trash a full set of World Book encyclopedia from 1985ish. They were fantastic books with tons of pictures and good indexing and articles. My kids used them a lot with they were in grade school. I used them many times. I was downsizing so I needed to get rid of them. My kids did not have gra...
by btenny
Sat Jun 11, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 8769

Re: Crazy housing market

I spent a long afternoon on Memorial Day talking with a guy who works for a developer on mid rise condo and office buildings. I ask about the giant number of cranes in downtown Seattle. He said there are 60+- cranes actively working projects now in Seattle. He has been doing a lot of work on some pr...
by btenny
Thu Jun 09, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: England Trip
Replies: 12
Views: 1284

England Trip

We are going to England and Scotland this summer. So after reading all the other answers I am still not sure how to buy meals at restaurants or train tickets when traveling and so forth. I have the normal US based credit cards with chips and mag strips and a PIN number. But I have no idea if the PIN...
by btenny
Wed Jun 08, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are Rentals As Bad As Some Make Them Out To Be?
Replies: 66
Views: 5592

Re: Are Rentals As Bad As Some Make Them Out To Be?

Two of the richest people I know are landlords. I am talking 8 figures. They started small when they were young and just kept renting the properties and buying more properties over time. Pretty soon they had big money and tons of paid off rentals. They are now old and making TONS of money from cash ...
by btenny
Tue Jun 07, 2016 10:34 pm
Forum: Personal Consumer Issues
Topic: Visiting Napa Valley, CA
Replies: 20
Views: 1850

Re: Visiting Napa Valley, CA

Today I am not a fan of the $30 and up wine at BV either. Same for some other brands that are over $50. I don't taste the extra $$$. Some of my friends love them. Not me. I prefer the $15-$20 wines from vineyards like Sebastiani. Back when I used to love cheap wine like White Zinfandel and cheap bee...
by btenny
Tue Jun 07, 2016 10:14 pm
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 3885

Re: Best AWD Sedan/Coupe?

I suggest a good late model used Lincoln MKZ sedan with AWD. You can select from many lightly used cars depending on what you want to spend and how many miles are on the car. A good sample of 2013 MKZ AWD cars is shown below. All are under $28K. It is a nice good looking sedan with most of the creat...
by btenny
Sun Jun 05, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with retirement
Replies: 13
Views: 1666

Re: What to do with retirement

How much of your pension is indexed to inflation? How much percent of your VA income is indexed to inflation? Remember $82K now will be like $41K in 15 years or so. So your income needs to grow over time. Also wanted to ask you if you need more $$ for special activities like a new car or home repair...
by btenny
Sat Jun 04, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: When a fiduciary is not acting in your best interest...
Replies: 39
Views: 2786

Re: When a fiduciary is not acting in your best interest...

Well I saw very similar things from my financial advisor back in 2000-2. I lost serious money in the downturn. I fired him. I spent 5 years or so learning about investing and getting smart while I invested my money in a self directed account. I also looked into "legal recourse". Basically ...
by btenny
Sat Jun 04, 2016 1:19 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 76
Views: 9768

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

When I worked I carried a big mortgage on a big kid friendly house to get the extra tax deductions. When I bought the home I never planned to keep that home into retirement. I used high leverage to get more investment return during my holding period. When I bought inflation was high and so were inte...
by btenny
Sat Jun 04, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Amex preferred cash card
Replies: 22
Views: 2183

Re: Amex preferred cash card

We got the new AMEX cash back card in March. It is a stand alone card not tied to Costco. We used it for some airline tickets and got $350 back right away. We are still using it for that purpose and bought a second set of tickets and got some money credited. So far we are very happy with the account...
by btenny
Sat Jun 04, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Quality Coffee Maker?
Replies: 54
Views: 5045

Re: Quality Coffee Maker?

+2 My BUNN coffee maker is great. I have had it for 10+ years and it is still going strong. Makes a full pot in 3 minutes.
by btenny
Fri Jun 03, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 12146

Re: Early retirement and opportunity cost, by Harry Sit

I am one of the guys that retired early at 52. I did not plan on it way in advance but I had been saving and investing a lot for a long time. I had enough $$$. I had many reasons to want to stop working. When my company offered a parachute to all senior people I took it. Many of my co-workers did no...
by btenny
Thu Jun 02, 2016 5:50 pm
Forum: Personal Consumer Issues
Topic: Self Driving Cars
Replies: 51
Views: 2186

Re: Self Driving Cars

Protagionist. The car companies (and many other industries) have already learned how to deal with unknown failure risks. Way back in the 1980s they were starting to put computer modules in car engines to control various things. My company was supplying some of those modules. The car companies spent ...
by btenny
Thu Jun 02, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: Self Driving Cars
Replies: 51
Views: 2186

Re: Self Driving Cars

I think a good test case for SDC would be running it on these snow covered streets with pedestrians and other cars to contend with. This is just normal stuff all over the world in winter. https://www.google.com/search?q=snow+covered+street+in+denver&rls=com.microsoft:en-US:IE-Address&tbm=isc...
by btenny
Thu Jun 02, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: neighbor issue - do I need a fence?
Replies: 90
Views: 6897

Re: neighbor issue - do I need a fence?

Put up a fence in the back yard of a kind you prefer. Put the fence on the property line or maybe 1-2 inches inside the line on your side. Pay for the fence 100%. I like iron because it is still keeps a open view and can be used to support plants for nice edging of a yard. If his flower bed in on th...
by btenny
Thu Jun 02, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Self Driving Cars
Replies: 51
Views: 2186

Re: Self Driving Cars

Actually cell phones were first proposed in 1947. So smart phones really had a very long development curve. It took the FCC and government and technologists 26 years to define the laws for those smartphone radios and build the first prototypes in 1973. Then it took an additional 10 years to commerci...
by btenny
Thu Jun 02, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Self Driving Cars
Replies: 51
Views: 2186

Re: Self Driving Cars

To those that actually read the article thank you. To those that did not, the 2014 article and the 2016 article pointed out that human drivers have lots of stored knowledge about how other humans move and look that allows us to make regular driving decisions. This big background of data that all hum...

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