Search found 2646 matches

by btenny
Sat Feb 13, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 59
Views: 5788

Re: Vacation Homes

I have owned a vacation home for 40 years or so. My wife and I have enjoyed every minute of that time. My kids also loved it a ton. We did not make much money, we made memories. I have tons of photos of my kids and half of those are skiing or at our vacation home. I owned part ownership in some ski ...
by btenny
Sat Feb 13, 2016 12:44 pm
Forum: Investing - Theory, News & General
Topic: Yellen: "We're taking a look at negative interest rates."
Replies: 56
Views: 5783

Re: Yellen: "We're taking a look at negative interest rates."

I think this is where the term "put your money under the mattress" came from. During the 1930s people kept a stash of money under the mattress because they were afraid of bank failures. My older relatives and parents all kept a good amount of money at home for this reason. Likewise people ...
by btenny
Fri Feb 12, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should my grandparents stay put or should they go?
Replies: 38
Views: 2043

Re: Should my grandparents stay put or should they go?

1987 aged homes need lots of "repairs" due to things just wearing out. The home is 29 years old so lots of stuff may need replacing. In general this age home needs a complete remodel or you just live with the old almost worn out stuff. AC and heater units need to be replaced. The windows a...
by btenny
Fri Feb 12, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Delta lost my luggage...
Replies: 22
Views: 1811

Re: Delta lost my luggage...

Some bags are not lost. They are stolen. My daughter had her custom big cheer leader bag stolen by someone who worked for the airline. She had it pulled by a stewardess at the last minute. She had planned to hand carry it but the attendant said no after she boarded the plane because the flight was f...
by btenny
Fri Feb 12, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 56
Views: 6050

Re: Costco AMEX Transition - Costco has no answers

I got tons of AMEX offers for a new card over the winter and last fall. So I called them in January. It took about 10 minutes on the phone to get a new card set up. Then I had to unfreeze my credit for a few days. They sent me a new card that is about the same as the old card with rebates etc.. They...
by btenny
Fri Feb 12, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: skiing after 70
Replies: 15
Views: 1596

Re: skiing after 70

Yes skiing is fine for older people if you enjoy it. I spend most of the winter in Tahoe so I can ski. I am 68. My wife is 69. We both ski 30-50 days a winter. We skied 100+ days a year when we first retired in our 50s. Now we are fair weather skiers. I have tons of friends in their 70-80-90s who sk...
by btenny
Tue Feb 09, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 68
Views: 3808

Re: Best Car for Family of 5?

Yes some full size vans are BIG and get poor MPG. The ones I owned drove OK but I learned to drive big trucks at 14 and liked it. Plus as everyone says, the kids love them and that alone makes traveling good. Just know they hold a ton of luggage and other stuff and 7-8 passengers with no issues. The...
by btenny
Tue Feb 09, 2016 3:39 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 68
Views: 3808

Re: Best Car for Family of 5?

Get some sort of van. I had two when my kids were young. They worked great. I had a big Ford van first followed by a big Chevy van. We kept each for 9 years or so. Both had three rows of seat and tons of extra space for hauling other "stuff". They are perfect for long trips with kids. You ...
by btenny
Tue Feb 09, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Sell truck and buy SUV?
Replies: 43
Views: 2731

Re: Sell truck and buy SUV?

Keep both your car and your current truck. Use you car for short trips as needed when you retire. Take some car/motel trips. It is much nicer on vacation if no one has too cook. Use your truck around town and the house to fix stuff, etc.. And after you retire I think you should rent a Motor Home RV ...
by btenny
Tue Feb 09, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Do we need to be physically in Costa Rica?
Replies: 19
Views: 1076

Re: Do we need to be physically in Costa Rica?

Yes you can just buy a big wash tub and fill it with sand and water and dream about the beach when you put your feet in the tub under your computer. Then you can look at pictures of people walking on the beach in CR and enjoy...... That way at least your feet will be wet.....
by btenny
Tue Feb 09, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Internet becoming "Small"
Replies: 23
Views: 2377

Re: Intenet becoming "Small"

My kids have canceled cable TV and now buy Hulu and Netflix and do streaming for TV. They like it much better and say it is much cheaper. I think they are getting a lot of bang for the buck from their internet connection. And both of them work from home a lot. So they get returns that way too. I kno...
by btenny
Tue Feb 09, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 44
Views: 3178

Re: White Kitchen Cabinets?

We have had painted white cabinets in our home for 15 years or so. They are nice. They never go out of style. Yes they show dirt but that is fine as the enamel is easy to clean. But the other great thing is when the enamel paint gets a chip we just break out the paint and redo them in a few spots. T...
by btenny
Tue Feb 09, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2850

Re: Planning a High-Value Wedding Regardless of Cost

Two of the most affordable weddings I have been to were POT luck wedding reception setups. There were tons of people at both these wedding receptions but all the guests brought food and drinks for themselves and some to share. So no big food and drink bill. Plus the actual weddings in both cases wer...
by btenny
Tue Feb 02, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: New Car - Compact SUV or Sedan
Replies: 36
Views: 3033

Re: New Car - Compact SUV or Sedan

I live in the Tahoe mountains part time. Lots of snow and cold weather. Tons of people here drive Subaru's of all types and so do I . I prefer the Outback as it has more nice features and creature comforts. The Outback is also quieter and better handling than the Forester or the RAV or the CRV. Ther...
by btenny
Tue Feb 02, 2016 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley vs Indexing
Replies: 10
Views: 1889

Wellesley vs Indexing

I started rebalancing last year and got sidelined part way through due to health issues. I am OK now but I am trying to decide how to complete the task. I am also thinking about simplifying by doing more indexing with fewer funds or if I should stay with better performance active funds that I curren...
by btenny
Tue Feb 02, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 276110

Re: What Movie Have You Recently Watched?

Watched Draft Day over the weekend. It a very good movie especially if you like sports. It is an inside look at how Professional football teams select new players. The story is about the Cleveland Browns General Manger (Kevin Costner) and how he goes about selecting players with good talent and all ...
by btenny
Wed Jan 27, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Best way to make a free slideshow with music?
Replies: 10
Views: 443

Re: Best way to make a free slideshow with music?

My wife did a slide show with Picasa by Google for our daughter's wedding. The DJ provided the music. But she said you can put music in with the slides as well. She selected the pictures she wanted from her total collection. She also uses Picasa to manage all her pictures. The slide show worked great.
by btenny
Mon Jan 25, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: [Computer] Backup Date issues
Replies: 16
Views: 833

Re: [Computer] Backup Date issues

Thanks for all the info. I will try some of these next week on my wife's Windows 7 computer. Right now my wife's computer is out at Best Buy Geek squad getting "fixed". We got a 3 computer repair deal for $49 when I bought my new HP machine there last fall. They saved me a ton of time by s...
by btenny
Sun Jan 24, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: [Computer] Backup Date issues
Replies: 16
Views: 833

Re: [Computer] Backup Date issues

LadyGeek. Thank you. I tried the Windows built in File History backup last night. It seems to only run in the background so there is little data showing about progress. Just a line saying X%. It took a long time to run but that was the first time so I get that. It saved all my files and shows the fi...
by btenny
Sat Jan 23, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3341

Re: What 55" TV to Buy

Here is a review of three standard 1080P 55 inch TVs side to side. Sort of the Honda of TVs IMO. LG and Samsung and VIzio. The cost are $639 to $899 according to this article. I suggest you go to a store like Best Buy or Costco and view each and select which you like better. I personally bought a 45...
by btenny
Sat Jan 23, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: [Computer] Backup Date issues
Replies: 16
Views: 833

[Computer] Backup Date issues

I used a new Seagate Backup utility (came free on the 1TB drive I bought) yesterday instead of copy and paste. It changed the dates on all the files it backed up to yesterdays date. So I lost all the dates when files were created and saved in my history on this backup copy. I have done manual backup...
by btenny
Sat Jan 23, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5402

Re: What was the 2000 crash like in real time?

I worked in Internet Security Technology and was in my 50s in 1998. I worked for a Fortune 500 big corp. My company was hitting all time stock highs but was having new product release issues along with big future sales issues. I had lived thru two previous bad downturns with this company. The compan...
by btenny
Sat Jan 23, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead Way of Employment
Replies: 82
Views: 6643

Re: The Boglehead Way of Employment

This is a very hard question. Many people are meant to lead Boglehead lives, some are not. Some are meant for greatness and some are meant for ordinary things. Here is what I have learned in 68 years about how to achieve a happy and stable life. 1. You have to work to make money so pick a career fie...
by btenny
Fri Jan 22, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7291

Re: What was your biggest unexpected home expense?

Twice (two different homes) I came home after a big rain storm and found my roof leaking around the AC unit. Both times the AC unit had to be removed and the roof repaired under the unit. Then the rest of the flat roof had to be redone and reroofed as well. Both homes were in Arizona where tons of h...
by btenny
Wed Jan 20, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Notice / Counter Offer Situation
Replies: 61
Views: 5116

Re: Insane Notice / Counter Offer Situation

Back before the PC era of today there were tons of bad companies and bad bosses who just abused people openly and regularly. Back when it was very important as a young person to avoid these bad companies and find a "good company" to work for as we tended to stay forever. Lots of bad compan...
by btenny
Tue Jan 19, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: Phoenix/Scottsdale golf trip
Replies: 6
Views: 509

Re: Phoenix/Scottsdale golf trip

Your better bet for golf is to move the trip to mid-April sometime. Booking in February is touch and go even in Tucson. It will be crowded in February and Tucson is colder than Phoenix. Plus it is likely to be rainy as we are in a major El Nino and maybe cold. It usually snows one day in the AM for ...
by btenny
Mon Jan 18, 2016 8:24 pm
Forum: Personal Consumer Issues
Topic: Phoenix/Scottsdale golf trip
Replies: 6
Views: 509

Re: Phoenix/Scottsdale golf trip

There are 185 courses in the Phoenix/Scottsdale metro area. Many of these are public and semi public. See here for the list and where they are located and other info. http://www.phoenixgolfsource.com/default.htm As already stated March is baseball month in Phoenix so prices and rates for everything ...
by btenny
Mon Jan 18, 2016 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any here invested in individual stocks?
Replies: 36
Views: 2297

Re: Any here invested in individual stocks?

I invested a lot in individual stocks in my taxable account for many years with not much success back in the 1980s. Some stocks went up and then the broker told me to sell so I did. Others went down and he said sell so I did. But that was what brokers did and all I knew and all I had time to do. I a...
by btenny
Mon Jan 18, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: [Investing] Things that would/will never happen in your lifetime
Replies: 43
Views: 5188

Re: Things that would/will never happen in your lifetime

I am 68 now. But I remember tons of bargains that I don't think will ever be repeated in my lifetime. When I was kid I would drive to a Mexico town near my home for the afternoon. I would fill up my car with PEMEX gas for 10 cent a gallon. Then I would get a haircut for 25 cents. Then I would go dow...
by btenny
Sat Jan 16, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: CNN article on Chinese economy, currency, and markets
Replies: 2
Views: 476

Re: CNN article on Chinese economy, currency, and markets

Those with a short memory should read about the 1989 Tiananmen massacre and resulting fallout. That event ended up effecting my Fortune 500 company a lot at the time and later. Now China is a huge part of the world economy but it is still a Communist country that is driven from the top for good or b...
by btenny
Sat Jan 16, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: early retirement, alternative lifestyles, etc, with kids
Replies: 9
Views: 1560

Re: early retirement, alternative lifestyles, etc, with kids

I decided to retire at 52 from the long hours and grind of high technology. I spent a huge amount of time helping my youngest select a college and learning about investing and how much $$ it takes to retire and stay retired. I did lots of FireCalc like analysis. I did not find M* or Bogleheads for m...
by btenny
Sat Jan 16, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4127

Re: Pizza Stone / Homemade Pizza Advice

This is my next purchase for my grill next summer. A "pizza box". The key thing is it has hot covers above and below so it cooks from all sides like a real pizza oven. We have tried the single sided inside oven pizza stone and weber one sided pizza stone and both cook the pizza mostly from...
by btenny
Fri Jan 15, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6051

Re: Best place to live in CA for a young family

You will be hard pressed to find ANY home in California that is 1/2 hour or less from the beach for $500K that is also a nice neighborhood and close to work. Those homes cost more like $700K to $1M or more. Just reality. Yes you can get some homes in various places all over that are $500K but they a...
by btenny
Fri Jan 15, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard tax exempt bond fund recommendations
Replies: 22
Views: 1359

Re: vanguard tax exempt bond fund recommendations

I am retired and have been for a long time. I keep $50K cash in my taxable account and transfer $5K or so increments as needed to checking as the year goes by. I rebalance my portfolio annually and replenish this $50K. How do you guys in retirement get cash?

Good Luck.
by btenny
Fri Jan 15, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard tax exempt bond fund recommendations
Replies: 22
Views: 1359

Re: vanguard tax exempt bond fund recommendations

Taylor. Excuse me for misquoting you about HELCs. I remembered you saying "used" but I guess you said "recommend". Old age forgetfulness here. But then I am not sure what you recommend doing if you need to buy a new car or help out you kid with unexpected expenses. Where would yo...
by btenny
Fri Jan 15, 2016 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard tax exempt bond fund recommendations
Replies: 22
Views: 1359

Re: vanguard tax exempt bond fund recommendations

I guess I think this may be OK depending how you are spending money from this account and how fast you are drawing this account down. In my case I keep a good deal of money in Limited Term as my emergency fund for market insurance. Once a year I rebalance and move my yearly money needs to cash in my...
by btenny
Fri Jan 15, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Tell me about Expected Family Contribution for college
Replies: 59
Views: 3348

Re: Tell me about Expected Family Contribution for college

There are tons of issues with selecting and putting kids through college. Money is just one issue. Selecting a good college and getting admitted is also complicated. I suggest you just save as much money as you can for each child but keep the money in your name. Do not do a 529 (restricts you to a c...
by btenny
Wed Jan 13, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: How Am I Doing? 18 Years of Data
Replies: 47
Views: 5122

Re: How Am I Doing? 18 Years of Data

How did you keep a 60% stock portfolio from only going down 1.73% in 2001 and 3.67% in 2002? The Total Stock market lost 15% and 22% respectively in 2001,2. Likewise how did you get your 60/40 portfolio to go up 20.62% in 2009 when the total stock index only went up 28%? Also I note that Vanguard RE...
by btenny
Wed Jan 13, 2016 4:07 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 4011

Re: Can someone simplify the Asset Location debate?

I have found since retiring that keeping each account sort of set at a good asset allocation is the best approach. I keep my IRA at around 40% stocks/60% bonds and my taxable accounts at around 40% stocks/60% bonds. We also have a small Roth that is set at 60% stock and 40% bonds. This approach allo...
by btenny
Mon Jan 11, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Subaru VIP program question
Replies: 9
Views: 1385

Re: Subaru VIP program question

Make sure you test drive a 3.6R six cylinder Outback. That version of the car drives much better and is quieter and accelerates a lot better. Plus if you drive over many mountains you will really appreciate the extra get up and go. The six also has no oil usage issues that seems to pop up on lots of...
by btenny
Mon Jan 11, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 168
Views: 20188

Re: Who's buying Oil stocks?

As I said on the other thread some analysts think oil is going down to $20 this year and likely to stay in the $10 to $35 range long term.
by btenny
Mon Jan 11, 2016 7:39 pm
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 8840

Re: How common is this

I have been retired 16 years. I only have good records back to 2002 but since then I have more than I started with. I have been withdrawing about 3.5-4% for 13 years. My asset allocation started at 55% stocks in 2002 and I gradually ramped it down to 40% in 2014 and then to 33% as of December. I may...
by btenny
Mon Jan 11, 2016 7:16 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 157
Views: 9947

Re: Large Energy stocks - why not?

This analyst say oil is going down a lot further for lost of reasons. He thinks it will hit $20 before the end of 2016. See here. http://valuentumbrian.tumblr.com/post/137103917690/valuentum-bye-bye-energy-mlps He also says that $10 to $35 is really the inflation adjusted long term price of oil and ...
by btenny
Sat Jan 09, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: Gas fireplace for heat
Replies: 26
Views: 2485

Re: Gas fireplace for heat

I owned a condo in ski country that was 100% electric when I bought it. It had a wood burning fireplace and electric strip heat that was OK but had tons of cool spots in various areas. Then in 1985ish natural gas was put into the complex. That year we converted our wood fireplace to a sealed NG fire...
by btenny
Sat Jan 09, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Functional front yard ideas
Replies: 7
Views: 671

Re: Functional front yard ideas

Way back when I owned a big home for kids and had a large lot and we redid the front landscaping. I put in a big half circle driveway that came in off the street on the left side of my home and went out the right side at my car driveway. I also widened the car driveway when it went up next to the ga...
by btenny
Sat Jan 09, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: 2000-2005 Retirees please share your wisdom
Replies: 8
Views: 1234

Re: 2000-2005 Retirees please share your wisdom

I retired early in December of 1998 in my 50s. I got a large severance package from my big company and continued medical at company prices by taking early retirement. I also got a small pension that would kick in later. I had a good amount saved and invested but I did not have enough cash to fully r...
by btenny
Fri Jan 08, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo -- Can't Purchase/Hold Vanguard Funds?
Replies: 5
Views: 397

Re: Wells Fargo -- Can't Purchase/Hold Vanguard Funds?

Wells Fargo Advisors is very high cost brokerage company completely owned by Wells Fargo bank. These people are recommended by the bank employees when you go to a local branch. But the actual Wells Advisors people are located at separate fancy offices. Their operating method is selling you high cost...
by btenny
Fri Jan 08, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11584

Re: Tough Frugal Decisions

When I was senior in college I ate mostly left over frozen hamburgers from my roommates Dad. He gave us 2-3 cases of them to use after some local fund raiser party. We found tons of ways to fix burger into good food for pennies. We would also buy 10 bean burrows or tacos for a dollar on Saturday mor...
by btenny
Fri Jan 08, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: helping a creative child grow
Replies: 40
Views: 1945

Re: helping a creative child grow

She is the perfect age to start learning about computer programming and related technology areas. Maybe buy her a home build computer where she has to build it herself and load the software herself. This will address the tinkerer in her. Bill Gates started programming at 9ish. My daughter has a BSCS...
by btenny
Mon Jan 04, 2016 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Which tax-exempt bond fund ??
Replies: 37
Views: 5591

Re: Which tax-exempt bond fund ??

Did anyone look up the various "bad state" or "bad city" holdings in the index ETF versus those holdings in the mutual fund? I know when I looked a few years ago when I bought VWIUX muni funds I was very happy that the Vanguard fund owned almost no bonds from Illinois and Puerto ...

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