Search found 3027 matches

by btenny
Sat Sep 24, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: has anyone leased a luxury/sport car to get it out of their system?
Replies: 14
Views: 1294

Re: has anyone leased a luxury/sport car to get it out of their system?

Several of my friends have sports cars. All of them are retired. They all love their sports cars and drive them a lot. Two have Lexus SC430 (?) convertibles. One drives his a ton. He goes back and forth across country twice a year to enjoy the long highway drives and he and his wife drive it around ...
by btenny
Sat Sep 24, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: Fuel eco tires
Replies: 5
Views: 337

Re: Fuel eco tires

I bought a set of Michelin Energy Saver Plus tires from TireRack back in 2010. They were a very bad deal. They were pretty expensive ($140 per tires++) and advertised to improve gas mileage. They did not change the mpg on the car. I got 27ish before with the factory tires and I got 27ish with the ne...
by btenny
Thu Sep 22, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 29
Views: 2354

Re: closet organizing system

I did my own master closet using the white wood shelving and rods (similar to closet maid) from Home Depot back in 2001. My wife designed the arrangements and I put in the material. I also put in a back wall in cedar planking before we put in the organizers to make the closet smell nice. It looks gr...
by btenny
Thu Sep 22, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees living off Wellesley Income Fund: how do you manage the nuts and bolts?
Replies: 8
Views: 1626

Re: Retirees living off Wellesley Income Fund: how do you manage the nuts and bolts?

I do stuff like Taylor. I own some Wellesley in my IRA. I reinvest all the distributions from that fund back into that fund in that account. So far I have not sold any of that fund or taken any money from that IRA as I am not at the RMD phase. I own muni bond funds and other stock stuff in my taxabl...
by btenny
Thu Sep 22, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: camino de santiago
Replies: 3
Views: 439

Re: camino de santiago

I think Victoria has walked this route. If she does not comment soon PM her. Good Luck.
by btenny
Wed Sep 21, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Stolen Medical Data
Replies: 9
Views: 1122

Re: Stolen Medical Data

Well the notice I received was from the hospital management group and did not say where the loss occurred. So i am just repeating what they said and wondering.

I am also sure many of these groups do not comply with HIPPA completely for various reasons.
by btenny
Wed Sep 21, 2016 6:52 pm
Forum: Personal Consumer Issues
Topic: Which Vehicle Should We Buy?
Replies: 20
Views: 1481

Re: Which Vehicle Should We Buy?

Why buy anything. The LS460 is a great car and yours has lots of good miles left in it. Plus buying any SUV will be a step down in ease of entry and comfort.

Good Luck
by btenny
Wed Sep 21, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Stolen Medical Data
Replies: 9
Views: 1122

Re: Stolen Medical Data

How do you prevent people from stealing and using your ID for medical stuff? I see that as the most likely risk or reason someone might steal Medical records. They have the SSN numbers and Medicare numbers and second insurance cards and so forth. So they can make fake cards and use those to get medi...
by btenny
Wed Sep 21, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a point when a used car is too used to be worth buying?
Replies: 43
Views: 3148

Re: Is there a point when a used car is too used to be worth buying?

Probably the other point that has been ignored in the above discussions about new versus used is financing. I have found it is easy and very low cost to finance or lease a new car. You can get zero or nearly zero money IF you buy a new car. BUT if you buy a used car you usually have to pay cash for ...
by btenny
Wed Sep 21, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Stolen Medical Data
Replies: 9
Views: 1122

Stolen Medical Data

I got a notice last week from the big medical group I use about my data being stolen. It seems that the groups computers were hacked and all their patients data was stolen. They got everything according to the letter including SSN, full ID data, addresses and medical records. They also have some of ...
by btenny
Wed Sep 21, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Small smartphone recommendation? Anyone use a BLU?
Replies: 27
Views: 1945

Re: Small smartphone recommendation? Anyone use a BLU?

I bought a Moto G3 Unlocked version in June for $179 at Best Buy. It works great and does all the stuff I need. I got the 16G memory version but I can add a extra memory card as needed. These also come int eh G4 versions. See here for the Moto G4 and G3 specs and cost at Best Buy right now. http://w...
by btenny
Tue Sep 20, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis? [Consumer related]
Replies: 103
Views: 9974

Re: Did you have a Mid Life Crisis? [Consumer related]

Oh I don't agree. Crisis (? plural) can be caused by lots of things out of control of the individual. Many times people get into a field and situation they love and then life happens and the field they are an expert in changes or the market collapses. Or the boss changes. Things just change. Layoffs...
by btenny
Tue Sep 20, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Yup, another pension buyout offer...
Replies: 20
Views: 2996

Re: Yup, another pension buyout offer...

The big question I would ask is if you take Option 3 is can you change your mind about age? For instance can you start drawing your pension at 62 at a reduced rate. Says $2100 per month instead of waiting? That would make it a great option. But as others have said I would wait until next year to tak...
by btenny
Tue Sep 20, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a point when a used car is too used to be worth buying?
Replies: 43
Views: 3148

Re: Is there a point when a used car is too used to be worth buying?

I am a Jeep fan. Go buy your wife a nice used Jeep Grand Cherokee with Summit or similar top end trim. I would look for model years 2013-2015 and low mileage. I suggest the gas version with the V6 or V8 depending on how much power she wants. There are tons of them off lease and priced at good value....
by btenny
Tue Sep 20, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a point when a used car is too used to be worth buying?
Replies: 43
Views: 3148

Re: Is there a point when a used car is too used to be worth buying?

I would not buy anything older than 10 years or 80K miles to get a good used car since I want a reliable car that needs minimum upkeep. Modern cars will go at least 120K miles and 12-15 years before things start breaking a lot. Many Toyotas and Hondas seem to go a lot longer but I have no personal e...
by btenny
Tue Sep 20, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 2617

Re: Advice on snowblower

Gardener. That new blower looks fine for your needs. But I am not sure how you turn this blower when it is plowing? Does it have hand brakes for each tire to turn it? I cannot tell from the pictures and the discussion does not say. Likewise it does not say the tires are driven by the motor. How is i...
by btenny
Mon Sep 19, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: More on Scouting Retirement Locations
Replies: 35
Views: 2745

Re: More on Scouting Retirement Locations

BFG you might consider this option. Some friends of our moved to central Florida 5 years ago or so and bought a mobile home in a community near the beach. They paid less than $20K for a older mobile home. It is small but nice. They completely remodeled it themselves. It is around 1000 square feet. T...
by btenny
Mon Sep 19, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: Never invest in ....... ?
Replies: 53
Views: 5066

Re: Never invest in ....... ?

Stay away from Non-public traded limited partnerships of all types. These used to be done a lot to buy big plots of land or commercial properties and similar real estate things. Most of them do make money. But they might not make much (or any ) money for the limited partners. The gotcha is the manag...
by btenny
Mon Sep 19, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 2617

Re: Advice on snowblower

In our town there are several "mechanic shops" that fix all kinds of stuff with medium and small engines. They fix snow blowers and snow cats and snow mobiles and motorcycles and other stuff all year round. The local ACE hardware store also sells blowers and fixes them as well. Good Luck.
by btenny
Mon Sep 19, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 2617

Re: Advice on snowblower

Turns and tracked snow blowers. My Yardman and the Hondas I have used all turn great IF you learn to use the single track brakes. These small hand switches on each grip make it easy to turn by stopping a single track while the other track keeps running. This turns the machine. No need to put in manu...
by btenny
Mon Sep 19, 2016 12:15 pm
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis? [Consumer related]
Replies: 103
Views: 9974

Re: Did you have a Mid Life Crisis? [Consumer related]

I have actually experienced both of these issues. When I was in my early twenties (just married and a beginning engineer) I went skiing with my new wife and some friends for a week in Utah. During that week I was offered a job as a ski instructor. But the job paid almost nothing and required I live ...
by btenny
Mon Sep 19, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 2617

Re: Advice on snowblower

I live in Tahoe and we have big snow every winter, at least 150 inches. The go to blower here is a Honda 28 inch tractor tread drive so it will go up and over and through big snow berms and steep drive ways and so forth. It has a 8-10 HP motor and starts with electric battery but has a pull cord bac...
by btenny
Sun Sep 18, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: More on Scouting Retirement Locations
Replies: 35
Views: 2745

Re: More on Scouting Retirement Locations

Many people are not aware that there are many Sun City towns in the southwest, some in Arizona, some in California and one in Las Vegas. See below for links to some of them. I have relatives that have lived in the original Sun City in west Phoenix for decades. They love the place and I think it is g...
by btenny
Sun Sep 18, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Sawzall and Batt Operated tools questions?
Replies: 25
Views: 1064

Re: Sawzall and Batt Opertated tools questions?

I am bothered here big time by your request. We suggested you to get a chains saw pole trimmer that works great for stuff up to about 12-14 feet. The pole trimmer will let you trim whole trees in minutes while you are cutting one limb with your bow saw. You said you want to trim trees and then said ...
by btenny
Sun Sep 18, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: avalon hybrid
Replies: 32
Views: 1949

Re: avalon hybrid

How hard are the seats in the Avalon? Are they big enough to be comfortable on long trips? When my wife and I looked at them last year the seats seemed really small and hard so we did not even take a test drive. We like big cushy sets so maybe that is just our thing. But I wonder.
by btenny
Sun Sep 18, 2016 11:40 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8800

Re: Disappointing News Wells Fargo

I have several accounts with Wells and a PMA relationship and a big investment account. I have been a customer for 45+ years. Last year I closed a old savings account I had owned for years. I think it had $215 or so in it. There was no service charge. They just closed it. I did get a statement showi...
by btenny
Sat Sep 17, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis? [Consumer related]
Replies: 103
Views: 9974

Re: Did you have a Mid Life Crisis?

Yes. I bought a new Jeep at 50. Then a year later I early retired at 51 due to my big company making a retire early offer. Then a year after that I left the big city for a skiing job after 30 years as an engineer and manager. Have not looked back. Sold the big house and some rental property to finan...
by btenny
Sat Sep 17, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Sawzall and Batt Operated tools questions?
Replies: 25
Views: 1064

Re: Sawzall and Batt Opertated tools questions?

I think you need to buy a Pole mounted GAS chain saw like shown here. It works great for trimming trees from the ground so no need for a ladder. My yard guy uses this all the time on my trees. He also has a second small chain saw that can be operated with one hand for cutting limbs and other things ...
by btenny
Sat Sep 17, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding (avoiding penalties)
Replies: 3
Views: 222

Re: Withholding (avoiding penalties)

You might want to consider doing what I did when I was working. I did one estimated tax calculation around the end of September that included all my extra expected income (I had real estate rentals) and my salary and bonuses for the year. Then I would adjust my withholding for the month of December ...
by btenny
Fri Sep 16, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 5450

Re: Which city for part time home during retirement?

As I said earlier I think Davis California meets all your requirements. See below for the links. Davis is a very liberal town. Ranks 91 out of 5300+ on your scale. A college town so lots of things to do. The school is home to one of the best oenology departments in the world, so great wine and peopl...
by btenny
Wed Sep 14, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: How to fix doors that don't close after new carpet installation
Replies: 36
Views: 2428

Re: How to fix doors that don't close after new carpet installation

Call a carpenter or handy man. He will take off each door and saw off the bottom of the door a little. He will use a very fine saw blade so the door will not need painting or paint touchup. It is easy with the right tools. The guy doing the work will have the right tools. Tell him over the telephone...
by btenny
Tue Sep 13, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Questions -Helping a Friend
Replies: 12
Views: 765

Questions -Helping a Friend

My friend wants a set and forget portfolio with low risk and low costs so he can go do other stuff and not learn about the stock market. He has a very large one time investment to make to support him for a long time. He is very worried that the market is near a all time high and will crash in the ne...
by btenny
Mon Sep 12, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 32
Views: 2247

Re: 2016 Murano or 2016 Acura MDX

I have a 2013 Outback 3.6R Limited. It is a good car with lots of features. The 6 cylinder engine is very peppy and works great in the mountains since it is linked to the 5 speed transmission. This is a very reliable setup and does not have any oil issues or timing chain issues. The steering is tigh...
by btenny
Sun Sep 11, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Subaru window treatment
Replies: 9
Views: 914

Re: Subaru window treatment

I bought used Lincoln Zephyr years ago. It is a great car. But it has limo tint in all the windows, front side windows, back seat side windows and the back window. The car is great in the daylight. It is cool inside. We use in in Arizona and California. But it is bad at night. You cannot read signs ...
by btenny
Sun Sep 11, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Volvo & Audi SUV owners step in here
Replies: 26
Views: 2193

Re: Volvo & Audi SUV owners step in here

Have you really looked at the Toyota Highlander Hybrid AWD version? Some of my friends have these and they love them. I think it looks great and it really is a great car. It has 3 rows of seats and they fold into lots of configurations for ease and utility. It gets good MPG and it is tops in reliabi...
by btenny
Sun Sep 11, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9107

Re: So being 40 is "old" in the high tech business?

That "time estimate" was the key reason program managers loved to use junior engineers for lots of tasks. The junior people would guess 100 hours to do a 400 hour task and then spend nights and weekends trying to finish the job when it ran over their estimate. They usually took 400 hours t...
by btenny
Fri Sep 09, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9107

Re: So being 40 is "old" in the high tech business?

I live in Lake Tahoe but I am retired. A huge percentage of the people who visits here are from SV. I see and talk to people from SV all the time. I worked in communications tech for 35 years in various areas all out west. The big issue that all the companies in SV are struggling with is cost to hir...
by btenny
Fri Sep 09, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Gas station - good business?
Replies: 69
Views: 5292

Re: Gas station - good business?

Gas stations have a HUGE environmental risk with them. They have huge tanks and lots of plumbing buried in the ground that may be leaking gas and other chemicals into the local ground water. Most stations have older pipes and tanks and no one knows how they have been maintained or if they have previ...
by btenny
Fri Sep 09, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9107

Re: So being 40 is "old" in the high tech business?

Hey Victoria based on my experience you will be getting job offers and calls from head hunters for at least 5-8 years after your retire. They will have lots of interesting propositions. I did security and systems work and got calls for that long after I retired. There are just not enough people who ...
by btenny
Fri Sep 09, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9107

Re: So being 40 is "old" in the high tech business?

Well I am really old now but when I retired from a technology career old was relative. Over 55 was what we considered old in those days. But we had people over 55 in lots of different roles. Many of these 55+ people were in senior roles of managing the business or supervising 100 people or doing ver...
by btenny
Thu Sep 08, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 141
Views: 10264

Re: Should I lease a Tesla?

You should NOT get a Tesla or any other new expensive car at this time IMO for three reasons. First you have not saved enough IMO. Yes you can pay the lease right now and you have saved $300K. BUT what happens in 2 years when you want to buy a home and you need to spend $300K for the home down payme...
by btenny
Thu Sep 08, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2086

Re: Any King Charles Cavalier Spaniel owners here?

My in laws have King Charles dogs. They shed a lot and are prone to early demise due to heart disease. They lost one dog this summer at age 11 with little warning. Their second dog is also sickly with a heart condition that takes medicine and lots of pampering. Both dogs need lots of coat combing an...
by btenny
Sun Sep 04, 2016 3:32 pm
Forum: Investing - Theory, News & General
Topic: Scottrade two-factor authentication
Replies: 4
Views: 483

Re: Scottrade two-factor authentication

I thought using a long user name or number and a long password was sort of a factor and a half authentication. This is what all the sites I use offer, Wells Fargo and Scottrade. Neither has great security as you point out. I do not know any brokerage that really does some sort of really tough securi...
by btenny
Thu Sep 01, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mother, retired, newly widowed, finding a path ahead (also example of what not to do)
Replies: 20
Views: 2946

Re: Mother, retired, newly widowed, finding a path ahead (also example of what not to do)

Sorry for your loss. I think you need to work closely with your Mom to figure out her income and bills for a few months. Give her some help to transition to single life. Give her your time. This extra time will give her emotional support and give you some time to find our her needs. Then I also sugg...
by btenny
Thu Sep 01, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Options For a Second, Seasonal home?
Replies: 11
Views: 1730

Re: Options For a Second, Seasonal home?

If you are single I suggest you seriously look into buying a big RV trailer or Motor home. There are lots of good well appointed used RVs for $40K to $60K depending on features. Then you can move it to your dad's back 40 and live there for a while. Yes you will need to get some power and sewer and w...
by btenny
Fri Aug 26, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Do I need a real estate agent as a buyer?
Replies: 58
Views: 3381

Re: Do I need a real estate agent as a buyer?

I also did not sign any buyer agreement with my agent. I just used her services and called her as needed to look at properties. We did a ton of sorting and looking on the internet for our last home with out our agent. We also did a lot of just driving around and looking and writing down home address...
by btenny
Fri Aug 26, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Do I need a real estate agent as a buyer?
Replies: 58
Views: 3381

Re: Do I need a real estate agent as a buyer?

You can try this but you may get a lot of kickback from the agent. Most agents work for brokers and the contract that most sellers sign specifies that full amount of the sales fee is payable on property sale regardless of the number of agents. And the broker wants both halves of the fee in your case...
by btenny
Fri Aug 26, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Sites/Blogs for Perpetual Travelling Vs. Travel from Home Base
Replies: 6
Views: 490

Re: Sites/Blogs for Perpetual Travelling Vs. Travel from Home Base

Here are a few sites I have links to that might give you some insight. Good Luck. http://suitcasestories.com/lets-get-off-our-high-horses-full-time-travel-isnt-the-only-way-to-travel/ http://www.liveandinvestoverseas.com/retirement-living/how-to-travel-in-remote-rural-china-oct-9-2012.html http://ho...
by btenny
Fri Aug 26, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fear and Trembling (Aug. 31st is my last day at work)
Replies: 77
Views: 9257

Re: Fear and Trembling (Aug. 31st is my last day at work)

Relax. Everything will work out. Yes you are in for big changes and that thought is hard to accept. But there are tons of fun times and things to do on the other side without going to work every day. Think about al those cool bands and concerts you want to listen to and work with. How about teaching...

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