Search found 4366 matches

by btenny
Thu Apr 26, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Medicare Denial- How to Proceed?
Replies: 4
Views: 513

Re: Medicare Denial- How to Proceed?

Medicare is a PIA about routine blood tests and doctor office visits in less that 1 year or so for normal illnesses that need to be monitored. They will pay for tests for a doctor to search for a new diagnosis but not for return tests for the same thing next year unless you wait for 1 years plus a d...
by btenny
Tue Apr 24, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Family trip, Southwest USA
Replies: 24
Views: 1620

Re: Family trip, Southwest USA

Look into visiting Mesa Verde national park and pueblo cliff dwellings near ABQ. It is really cool. Kids may like it more than grand canyon. Also visit Lowell observatory in Flagstaff for some star gazing. Also think about going to the Hopi Indian Reservation and 2nd or 3rd Mesa villages. They are o...
by btenny
Sat Apr 07, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3651

Re: Active Adult Retirement Communities

Look at Sun City and Sun City Grand and Sun City West in West Phoenix suburbs . All three are nice but each has different style homes. There is also Sun City Anthem way south near Florence. There are also several other communities in that area by Chandler and on down to Tucson. But beware it is real...
by btenny
Fri Apr 06, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Anything that Has Great Long Term Returns but Is Underperforming In the Current Cycle?
Replies: 7
Views: 978

Re: Anything that Has Great Long Term Returns but Is Underperforming In the Current Cycle?

Major oil companies like XOM and CVX and COP are under valued right now versus their long term previous trend. Raw oil prices have recovered a lot from previous lows so the majors are making money. Oil makes up a majority of the commodity index. But other parts of the commodity index like mining sto...
by btenny
Fri Apr 06, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6364

Re: Want/need some income in semi-retirement

I know this is not what you ask. But have you looked into doing a reverse mortgage on your home? I had a very good friend who did one of these back in 2003ish. He needed money and was too old to work. He got a small reverse mortgage loan and started receiving monthly payments. Every thing was great....
by btenny
Fri Apr 06, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 3984

Re: Undecided students and STEM majors

When my daughter was looking at UC schools they told us flat out that they had severe class crowding problems. This was in 1999 at UCB and UCSLO. The graduation time in those days was at 5 years for most degrees and sometimes 6 years for some engineering and architecture degrees. This was one of the...
by btenny
Thu Apr 05, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Second home [buy with retirement funds?]
Replies: 51
Views: 2973

Re: Second home [buy with retirement funds?]

I gave you the wrong info. The guy who lived in Vail is fishnskiguy.

Good Luck.
by btenny
Thu Apr 05, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Second home [buy with retirement funds?]
Replies: 51
Views: 2973

Re: Second home [buy with retirement funds?]

Oh and I wanted to point out a few issues with a sea level home and a high mountain home. Vail is 950 miles from San Diego. That is not a distance to do "spur of the moment" unless you own a Lear Jet. :D It is at least 15 hours by car and 6 to 9 hours or more by air line and $600ish. Pretty complex ...
by btenny
Thu Apr 05, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Second home [buy with retirement funds?]
Replies: 51
Views: 2973

Re: Second home [buy with retirement funds?]

I have a permanent home in Phoenix and a second home in Tahoe. We like to ski and boat so we use the Tahoe property in winter and summer. We like the big city and mild winters of Phoenix. We use both our homes a lot. We do not rent them out. But travel back and forth to each place is challenging due...
by btenny
Wed Apr 04, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6364

Re: Want/need some income in semi-retirement

Docent at one of the museums or other public facilities around the DC area.

Tour guide for the various tour companies.

School guard or school crossing guard.

Doctors or dentists office clerk or secretary.

Fast food worker.

Good Luck.
by btenny
Tue Apr 03, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 728
Views: 58768

Re: To take or not to take delivery of Tesla 3

Can someone please tell me why the Chevy Bolt does not do Super Charging? I read that that car can be charged only at 240V. That seems slow to me. Please explain.
by btenny
Mon Apr 02, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Replacing a deck
Replies: 14
Views: 1931

Re: Replacing a deck

My deck was slanted and crooked. I paid a carpenter guy to crawl under it and jack it up and set added beams in several places. He measured stuff and then went and bought some short 4X4 beams. Then he crawled back under the deck and put those beams in a few places. It is totally level now and is muc...
by btenny
Mon Apr 02, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time to retire
Replies: 23
Views: 3636

Re: Is it time to retire

Yes you have the $$ to fully retire immediately. But do you want to and do you have some serious hobbies or activities that you want to pursue? Most people want to travel and have a few hobbies. Do you? If you are unsure maybe you should discuss a leave of absence with your boss. Talk to him/her abo...
by btenny
Sat Mar 31, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 5261

Re: Should I loan my child money for college?

I was in a similar situation way back when. My daughter was thinking about going to a expensive school out of state or a expensive private school. I had just early retired. We have a good in state school about 25 miles from our house. I could afford helping her out by paying her in state tuition and...
by btenny
Wed Mar 28, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 728
Views: 58768

Re: To take or not to take delivery of Tesla 3

TOO MANY PARTS. The whole advantage of electric is few parts. But Tesla ignored that with the crazy complex battery. So now the costs and production details are killing them. Surprise the design sucks.... How much money are they loosing on each model 3 made?

And now it is too late to fix it.
by btenny
Wed Mar 28, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Travel reservations for work on personal card
Replies: 10
Views: 541

Re: Travel reservations for work on personal card

Do not make plane reservations until May. Tell your boss you are waiting and do not want to float the air fare cost for a long time. Point out that the cost will be higher if you wait and there may be issues with getting good timely reservations. If he objects tell him you will make the reservations...
by btenny
Wed Mar 28, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 3953

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

I also paid my kids regularly via a Dad "paycheck" once a month. I gave them a prearranged college "spending money" amount every month for the first 2 years they went to college. Then they had to mange that money and make it last until they got paid the next month. I also gave them a semester tuitio...
by btenny
Wed Mar 28, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 3953

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

Teach your kid how to use a "bill pay log book". I taught my wife and both of my kids how to do this and it works great. I buy a steno pad and use it to track my house hold bills. I bought a separate pad for each of my kids to track their bills. I fill out a page for each month of the year and write...
by btenny
Sat Mar 24, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11212

Re: Underrated places to visit in U.S.?

If you are interested in air planes, Arizona has the best flying weather in the world and some of the best air museums in the world. You can see old WWI and WWII planes and tons of other cool old planes. Plus there are lots of old air liners and important planes to look at. Planes like the President...
by btenny
Tue Mar 20, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Anything I should know about new windows?
Replies: 10
Views: 1338

Re: Anything I should know about new windows?

I have Marvin vinyl windows and sliders in Phoenix. I went with standard frames instead of Tuscany to get bigger glass instead of bigger frames. I got double glass with argon filler. They are great at reducing plane and traffic noise. Plus they stop the cold and heat from outside. I have the one way...
by btenny
Sun Mar 18, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement - Fear of the Unknown
Replies: 34
Views: 3638

Re: Retirement - Fear of the Unknown

I retired younger than you. It was one of the best decisions of my life. My co-workers also thought I was nuts. They could not believe I was going to retire and not go somewhere else to work. They all thought I was going to go to Silicon Valley or Seattle to work. I had deep skills in communication ...
by btenny
Sun Mar 18, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: no health insurance as an early retirement strategy
Replies: 30
Views: 2078

Re: no health insurance as an early retirement strategy

I retired in December 1998. I got a cancer diagnosis on March of 2000. I spent the spring and summer getting tested and visiting doctors. Since I had insurance I was able to get 2nd opinions on various treatment plans. I went across the country to get treated in the fall of 2000. It took 12 weeks fo...
by btenny
Sun Mar 18, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Rent in Retirement
Replies: 35
Views: 3334

Re: Rent in Retirement

I agree you need to downsize your living accommodations now that the kids are gone. You certainly do not need a big home in retirement. So sell the big house. Then look around for what you like that is smaller and less expensive. Maybe renting a nice condo or a small apartment is what suits you. But...
by btenny
Fri Mar 16, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Modest stereo system
Replies: 57
Views: 3547

Re: Modest stereo system

Go get a Bose mini or the more recent version. They are great. We use ours all over, in the family room, in the car ,on the boat, etc.. we use it instead of the big power stereo as it is easier.
by btenny
Fri Mar 16, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?
Replies: 52
Views: 7614

Re: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?

I think you need to wait a while to get a better handle on your expenses and what you will spend on medical insurance. Your numbers would work IF you changed jobs to lower income but with medical and more enjoyable. So I would not quit for a few years unless you have a plan to work elsewhere. Good L...
by btenny
Fri Mar 16, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7830

Re: Need for Medicare supplemental plan?

I have high deductable plan f that costs $42 per month. It limits my maximum out of pocket to $2K per year. I have had it for six years. It paid a little one year when I had to have a surgery that cost about $10K but has paid nothing otherwise. But if I had big bills like a $100K for a long hospital...
by btenny
Fri Mar 16, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14313

Re: Large life style creep that was completely worth it

Moved up to two homes in retirement. Spend a bundle for the second place but love spending five to six months a year at that place. But now that we are getting old we wonder where to settle, summer place or winter place?

Thanks
by btenny
Thu Mar 15, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Scottrade/TD Ameritrade merger - Yuck!
Replies: 19
Views: 4455

Re: Scottrade/TD Ameritrade merger - Yuck!

I got more information today on the TD accounts. I called and logged on to my accounts. I found that TD has now posted three (yes 3 ) account statements for the month of February, one for TD Ameritrade for February 26-28, one for Scottrade for Feb 1 to 26 and one for Scottrade for the end of Februar...
by btenny
Wed Mar 14, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Scottrade/TD Ameritrade merger - Yuck!
Replies: 19
Views: 4455

Re: Scottrade/TD Ameritrade merger - Yuck!

Well guys I bet the dividends are there but included in your cash account. Go check the cash balance shown by TD at Feb end of month vs Scottrade at Jan month end. I just got through checking three account statements and all my dividends are there. BUT the TD statement does not show the dividends as...
by btenny
Wed Mar 14, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to retire Jan. 2, 2019, can I do it?
Replies: 37
Views: 3452

Re: Would like to retire Jan. 2, 2019, can I do it?

Yes you can retire as soon as tomorrow but you can wait until next Jan 2019 if you want. You have plenty of money. I see that you are 65. How old is your significant other? The issue is to make sure both of you are covered by medical insurance or medicare. How much do you have to add to your 401K to...
by btenny
Sun Mar 11, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 31
Views: 3665

Re: Balsamic vinegar?

My wife and I try to buy balsamic from the Jacuzzi winery store when we are in Sonoma California. Jacuzzi is a old fashioned winery that sells Italian wine varieties and lots other stuff like olive oil and balsamic vinegar. The store is called the Olive Press. They specialize is local grown olive oi...
by btenny
Sun Mar 11, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: HELP PLEASE: Home Finance Strategy Decision
Replies: 6
Views: 744

Re: HELP PLEASE: Home Finance Strategy Decision

I would not get in to much hurry to sell your rental or pay down your mortgage right away. This new big house may be great for your kids and family for now. BUT when the kids are grown and leave and you are totally retired you may want a smaller place with less maintenance. A lock and leave place. I...
by btenny
Fri Mar 09, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: [Just retired, would like help with portfolio]
Replies: 6
Views: 1072

Re: [Just retired, would like help with portfolio]

I think you need to spend the next few months working on your retirement finances. Do not go back to work. Become a expert in how you will invest and pay taxes over the next few years. You probably have more than enough to fully retire so go play. Maybe move tax free stuff to Vanguard funds. Maybe r...
by btenny
Fri Mar 09, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 4762

Re: Consumer Reports Auto Issue Out now

Another jeep lover here. Have a 1999 grand Cherokee that has been great. 120K miles and still runs and looks good. Not many repairs in 15 years of ownership. Plus this jeep pulls my 6000 pound boat and goes over 2 foot snow berms and rides nice for 4 people out to dinner. No other suv does this unle...
by btenny
Fri Mar 09, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 94
Views: 10970

Re: HOA vs No-HOA

My hoa has some rules that are pretty tough. We do not allow any airbnb or VBRO or other short term rentals. This is keeping out investors who want rentals like ours. So in some people opinions this rule is hurting values. Others think this rule is making the area good for families and owner. My wif...
by btenny
Fri Mar 09, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Car Subscriptions
Replies: 22
Views: 2310

Re: Car Subscriptions

There are lots of retirees who snow bird from Canada or the frozen Midwest to Florida or Arizona every year. Most of them drive and take their car. But they would fly if car lease periods and price fit their needs.
by btenny
Thu Mar 08, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Garage door extra remote solution
Replies: 15
Views: 1541

Re: Garage door extra remote solution

Why do you want a key chain garage remote? Are you using the remote when you go out for runs or bike rides or neighbor visits? I put in a wireless keypad remote that works great. No need for any remote. Just punch in the number and the door opens. See here. https://www.amazon.com/Chamberlain-KLIK2U-...
by btenny
Tue Mar 06, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: New tax law and QCD's - article
Replies: 18
Views: 1657

Re: New tax law and QCD's - article

Does a QCD qualify for MAGI (Medicare Adjusted Gross Income) deductions? Many of us are close to the $170K limit for higher Medicare premiums when we do RMDs. So I am wondering if we make enough donations via QCDs to get below the limit do they count? Example: Current AGI = $115K Tax Free Income = $...
by btenny
Mon Mar 05, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: When do you book your vacation? [Skiing]
Replies: 8
Views: 625

Re: When do you book your vacation? [Skiing]

I would book by early September. That gets you the best prices at most places. But if you want to go to Vail you need to book close in hotel rooms or condos right now for the best dates. The good places get booked up in advance.
by btenny
Mon Mar 05, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: advice on my retirement
Replies: 11
Views: 2213

Re: advice on my retirement

Roll over your Roth to Vanguard and invest all 100% of it in a low cost bond fund. Something like VBTLX, Total Bond Market Admiral. Then change your work 401K allocation to 50% Ishares SP500 (BSPIX) and 50% Extended Market Index (VEXAX). This will give you about $355K in stocks and $60K in bonds or ...
by btenny
Mon Mar 05, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: The 12% Solution
Replies: 4
Views: 1357

Re: The 12% Solution

All these market timing books have been proven worthless when used in real time over some reasonable period of time. These books taught some method and show how it worked on "past performance" but fail to talk about how it fails to compete with standard buy and hold portfolios. Everyone at Boglehead...
by btenny
Sat Mar 03, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable allocation review
Replies: 6
Views: 441

Re: Taxable allocation review

Where and how much $$$ are you holding for emergencies? Most people I know have a savings account that pays low/no interest or have some tax free muni funds for their emergency fund. This $$ needs to be in a taxable account so there are no taxes to be paid if the money is needed fast. . And as far a...
by btenny
Sat Mar 03, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 4498

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

Well way back in 1980ish I went to Fidelity and got the same treatment as above for my "new IRA " . Their FA gave me terrible advice even though they had some really great mutual fund products at that time. I made a little money and they made a lot on what they sold me. Thankfully I wised up around ...
by btenny
Sat Mar 03, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house
Replies: 2
Views: 680

Re: Buying a house

Can you tell us why the home you like is $900K versus the rest of the neighborhood is at $700K? Is is a lot bigger? A bigger lot? Or is the house a full custom home with lots of extra features versus the rest of the homes being more pedestrian?

Please advise?
by btenny
Sat Mar 03, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Please evaluate portfolio
Replies: 8
Views: 499

Re: Please evaluate portfolio

How do you want to invest going forward? Right now you have a mix of Vanguard funds that are OK but over complicated in type and cost. It seems to me going to a simpler 3 fund portfolio would help you a lot. So I would change both the Vanguard and Fidelity accounts to much simpler approaches. Right ...
by btenny
Sat Mar 03, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 4498

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

If this is what the Fidelity adviser put you into, he/she has created a real mess. Why so many funds? Plus many of them are really expensive and you are paying them a 1% fee to sell you this mess. Shame on them. I agree with Twisted. You should sell all your funds and go to a simple 3 fund portfolio...
by btenny
Fri Mar 02, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring Early
Replies: 22
Views: 6290

Re: Retiring Early

Yes you can retire now IF and ONLY IF you have a paid for home and no mortgage. But if you are still paying off a home mortgage you need to keep working. The issue is you will need to spend big $$$ for health insurance for many years until Medicare so that will reduce what you can spend. So I think ...
by btenny
Fri Mar 02, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 7338

Re: Kitchen features

I have a kitchen sink faucet and a second sink hose (one of those pullout squirters) and a soap dispenser. I use all three and like all three. Plus I do most of the dishes so that is the way I set up our kitchen. My wife only wants a single faucet and never uses the hose or the soap things. She also...
by btenny
Fri Mar 02, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ratio of minimum vs discretionary retiree couple expenses
Replies: 51
Views: 3064

Re: Raio of minimum vs discretionary retiree couple expenses

When I first retired in 1998 I kept my expenses very low for a few years. I only spent about 40% or so of my pre-retirement gross income. We did not have a big nest egg and we were young so we moved carefully for a few years. We kept our spending that low because we were worried about the impending ...
by btenny
Fri Mar 02, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 7338

Re: Kitchen features

Well what you are asking is really hard to do well for lots of reasons. But this is what I recommend if you have the room and time. DO MORE than a simple kitchen remodel if possible. Add separate work spaces away from the central kitchen. And set up your central kitchen for two workers if possible. ...