Search found 2855 matches

by btenny
Wed May 25, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 59
Views: 9254

Re: Comfortable Vehicle Front Seats

I am waiting until the 2017 models come out before buying something else. I was able to extend my Subaru lease for 6 more months so now I have until December to trade my car or buy it outright. GM has already redesigned and introduced several new mid size SUVs for 2017. So I went and looked at the C...
by btenny
Tue May 24, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Las Vegas in July
Replies: 34
Views: 2911

Re: Las Vegas in July

For those that have never been to Las Vegas here are some pictures of the "pool scene". Vegas now has moved the wild nightclub stuff outdoors to the pool area in the summer. From June to October most of the pools in Vegas are full time parties with loud music and tons of 20-30 something's ...
by btenny
Tue May 24, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Canada driving [Oregon US to Novia Scotia - What to see?]
Replies: 25
Views: 1665

Re: Canada driving

My point of reference is mostly around Ottawa and 16 years old so maybe not accurate any longer...


Good Luck
by btenny
Tue May 24, 2016 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of renting Florida place for a month
Replies: 15
Views: 1409

Re: Cost of renting Florida place for a month

I have been to south Florida for very long vacations twice. Both times we ended up staying in hotels for most of the trip. It worked out well. About $130 per night for a good hotel including breakfast. We went by car and moved around and stayed lots of places so it worked fine. We also stayed in one...
by btenny
Tue May 24, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: OMG - The Tell Tale Chart - '08 & the Fed
Replies: 11
Views: 1540

Re: OMG - The Tell Tale Chart - '08 & the Fed

Actually Money Market funds are finally getting off zero. Vanguard Money Market (VMMXX) is now up to .45% for the seven day yield. So maybe we are finally getting back to normal We shall see how it works in June or so when the gov't raises the rates little more. I know this flat chart is why I do no...
by btenny
Mon May 23, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Monsanto-BayerAG
Replies: 16
Views: 1217

Re: Monsanto-BayerAG

It depends. Do you have big capital gains in the stock? Is the offer a big premium over the previous stock price? Is the offer a cash offer for your stock or an exchange of Bayer stock shares for shares of Monsanto stock? The issues are usually complex and not clear at first. So I would read the mes...
by btenny
Mon May 23, 2016 7:11 pm
Forum: Personal Consumer Issues
Topic: Canada driving [Oregon US to Novia Scotia - What to see?]
Replies: 25
Views: 1665

Re: Canada driving

1. Obey the speed limits. Canada is strict about speeding. They think the limit should be how fast you drive and not any faster. 2.. Go see and stay a day or so in Quebec city and go to old town and enjoy the town and the food and the outdoor café scene. Look around at the old European architecture....
by btenny
Mon May 23, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on house
Replies: 12
Views: 1119

Re: Advice on house

If you are 90% sure the power lines are going in I would sell now or as soon as the noise about the lines dies down. The key is to get out before construction starts or some law suits about the lines start and so forth. If any of that happens it will dampen your resale value and maybe kill any sale ...
by btenny
Mon May 23, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: How to buy a good used grand piano?
Replies: 30
Views: 1657

Re: How to buy a good used grand piano?

Amazonchic.

Please tell us if the lighted key teaching thing on electronic keyboards and pianos is a good deal for students or not? I saw some of these features on some instruments and was not sure if they were a good idea or bad.
by btenny
Mon May 23, 2016 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: ETF mechanics question
Replies: 6
Views: 234

Re: ETF mechanics question

The price of the ETF is only determined by what someone will pay for it. The ETF is a stock asset that is traded between buyers and seller at a agreed to ETF price. However the ETF is backed by a group of other stocks. So the prices are "interconnected". Also be aware that the high frequen...
by btenny
Sun May 22, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 5964

Re: Arrgghhh !!! Windows 10 installed overnight

We will see. I don't care if we all signed the declaration of guilt. There are tons of gotcha clauses added to all kinds of agreements every year and judges routinely disagree with them. We both know this is not the way that any normal person or company can be treated nor will anyone accept it. Oh a...
by btenny
Sun May 22, 2016 6:54 pm
Forum: Personal Consumer Issues
Topic: How to buy a good used grand piano?
Replies: 30
Views: 1657

Re: How to buy a good used grand piano?

Oh and I forgot. If you put the piano in the living room where it gets a lot of sun that will dry out the sound board and mechanisms and kill the sound over time. Good pianos need shade and cool air and some moisture in the air. My SIL has her concert grand in a bedroom with curtains over the window...
by btenny
Sun May 22, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Painting stucco home. Any experience?
Replies: 3
Views: 510

Re: Painting stucco home. Any experience?

Painting a stucco house is fine. Mine and most of the other stucco homes in Arizona are painted. I have hired my home painted and done it myself when I was younger. The key is good surface preparation via power washing and scrubbing the old paint with a big broom and scrub brush. Blisters and peelin...
by btenny
Sun May 22, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: How to buy a good used grand piano?
Replies: 30
Views: 1657

Re: How to buy a good used grand piano?

Yamaha is a good brand for both regular pianos and digital pianos. You can find all kinds and version on EBay from all types of sellers. See below for a sample of listings. Personally I own a Yamaha Clavinova CDP-309P digital grand piano and digital keyboard. We bought ours used about 5 years ago fr...
by btenny
Sat May 21, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 5964

Re: Arrgghhh !!! Windows 10 installed overnight

When someone dies or has a bad medical emergency due to this nonsense will MS listen? This is not communist Russia where we are ordered around. Cable companies did stuff like this back in the 1980s and got sued and lost big bucks. They now face lots of competition for all those years of customer bad...
by btenny
Sat May 21, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrades new game
Replies: 20
Views: 2747

Re: Scottrades new game

Livesoft Here is my old guy story. I knew about the mutual fund mail thing back in the 1970-90s when I worked. Some people talked about mutual funds a little. But not much. My company did not do mutual funds at all for our retirement accounts. They did lots of single stocks and our company stock. Th...
by btenny
Sat May 21, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 77
Views: 2160

Re: series/ movies filmed in your home town?

I guess there was a very large set built in the Yuma Sand dunes for Star Wars Episode VI, Return of the Jedi. They filmed the sand skimmer and the sand pit and Sarlacc creature stuff there. This scene is where Jabba the Hutt is trying to feed Luke and Hans and Chewbacca to the creature. They also us...
by btenny
Sat May 21, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: surface street or freeway commute?
Replies: 32
Views: 1497

Re: surface street or freeway commute?

Well I think the surface street commute is shorter and will use less gas and not need a freeway type car. You can use a total electric car. Plus IMO over a long time line (many years) this commute will stay stable at around 25 minutes. It may even get better if you go at off times. Plus if there is ...
by btenny
Sat May 21, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 5964

Re: Arrgghhh !!! Windows 10 installed overnight

Is my windows 8.1 computer susceptible to this auto download nonsense? MS just became a member of the most hated company list IMO. Most companies never recover from a arrogant bad mistake like this . They may make money but they are never the same. Think about what this forced unscheduled update con...
by btenny
Sat May 21, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 5964

Re: Arrgghhh !!! Windows 10 installed overnight

Well my wife just got her computer totaled with Win 10. She absolutely did not schedule it or let MS do anything about scheduling this work. She was typing along and working on some Quicken stuff and the computer stopped. It said it was downloading Windows 10.... Just like that no warning or no stop...
by btenny
Sat May 21, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrades new game
Replies: 20
Views: 2747

Re: Scottrades new game

Well guys I have been with Scottrade for 13-14 years or so. The issue is sometimes you have to talk to an advisor if you want something. I find that they usually work with me and get me what I wanted. I then make the trades on line. They never charge me a big fee. Just the standard $7 - $16. I wante...
by btenny
Sat May 21, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: insuring landscaping, hardscaping, pools and patios, etc
Replies: 1
Views: 313

Re: insuring landscaping, hardscaping, pools and patios, etc

Talk to AARP/Hartford. I have 2 friends who lost their homes in a big forest fire in Tahoe back when. They love Hartford. They lost everything, their home, two extra cars, tons of business stuff and a pet and all the landscaping including tons of big pine trees. Then to make matters even worse the c...
by btenny
Sat May 21, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4167

Re: Amazon has no head to head competitors?

I actually think Amazon has over stretched and is now over charging. I am buying stuff from two different internet vendors that were 20% or more higher through Amazon for the same things. So I see good sellers actually growing due to people looking and finding stuff on Amazon (??? free advertising) ...
by btenny
Fri May 20, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 77
Views: 2160

Re: series/ movies filmed in your home town?

A lot of what movie audience see as real places and towns are actually miniature move sets that are used to simulate the real size things. I was surprised how this stuff is done until my daughter worked for one of these studios for a while and gave me grand tour one afternoon. See below. https://www...
by btenny
Fri May 20, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to retire - what to do with portfolio
Replies: 13
Views: 881

Re: Ready to retire - what to do with portfolio

Srf. Make sure you read and understand and comply with all the details about the tax break for selling GD in your 401k BEFORE you do any transactions in that account. See the link above and here. https://www.fidelity.com/viewpoints/personal-finance/company-stock And make sure you pay estimated taxes...
by btenny
Fri May 20, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 77
Views: 2160

Re: series/ movies filmed in your home town?

Value, Almost all the film sequences were shot in areas near Yuma Arizona where I lived as kid. The town has about the best flying weather in the world. About 350 days a year. Plus lot of clear air and big runways (13300 foot) The sand dunes for the film are just outside town. http://www.azcentral.c...
by btenny
Fri May 20, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 77
Views: 2160

Re: series/ movies filmed in your home town?

They filmed Flight of the Phoenix in the sand dunes outside my home town when I was kid. The film crew stayed at the hotel where I worked. I had a ball and made a ton of $$ as a bell hop and general gofer. The crew had "per diem" for food and drinks and tips. So they made sure to spend it ...
by btenny
Fri May 20, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Ready to retire - what to do with portfolio
Replies: 13
Views: 881

Re: Ready to retire - what to do with portfolio

Well if I read your stuff right you have about 30% or more of your whole portfolio in General Dynamics stock. Correct? That is a huge undiversified risk. Then you also have some more GD stock in certificates. That makes the GD risk even bigger. Are they also the provider of your pension? If they are...
by btenny
Wed May 18, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?
Replies: 94
Views: 7577

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?

I'm sorry you lost your Dad so quickly. I have some questions that might help trigger a path to proceed and some help. What was your Dad and Moms living situation? I gather they rented and now your Mom cannot afford the rent. Correct? Is you Mom's rent paid and for how long? Is her place under lease...
by btenny
Wed May 18, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: A situation to consider leasing a car?
Replies: 16
Views: 1203

Re: A situation to consider leasing a car?

Leasing is flexible if you have good credit. You can lease a car for say 36 months and then turn it in early at say 30 months with minimum penalty or ask for any extension of up to six months to total of 42 months. Most people say to not lease longer than 3 years for the initial lease due to car war...
by btenny
Wed May 18, 2016 11:10 am
Forum: Investing - Theory, News & General
Topic: re-investing dividends in withdrawal phase taxable
Replies: 8
Views: 929

Re: re-investing dividends in withdrawal phase taxable

I don't reinvest dividends on any distribution from my stock funds in my taxable accounts. It makes a mess at tax time or if I sell. I prefer to let the distributions add up and spend them now that I am retired. But back when I worked I would buy specific funds with any new money about once a year t...
by btenny
Wed May 18, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 3725

Re: Did your children ever completely move out?

We downsized and got ride of most of their clothes and bedroom stuff. But we still have several boxes of "stuff" from our kids, things like a big box of toys and dolls and sports equipment. Oh and we have bikes, a trike and a riding horse. Plus some of my daughters skating dresses and form...
by btenny
Wed May 18, 2016 10:44 am
Forum: Investing - Theory, News & General
Topic: Investing passively in inefficient markets
Replies: 11
Views: 879

Re: Investing passively in inefficient markets

I think back when maybe 10-20 years ago foreign markets were way less efficient. So active foreign stock funds had significantly better performance than index funds. But things changed with the creation of a modern world wide internet and lots of full disclosure data. No longer can a few people find...
by btenny
Tue May 17, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: Las Vegas in July
Replies: 34
Views: 2911

Re: Las Vegas in July

July 4th is a Monday so there will be a giant party in Vegas all weekend along with some big fireworks shows and other special events. Prices will be high for all the nice hotels for all nights from Thursday thru Monday. It will be crowded and busy and hot. Think about 105 degrees at 4PM and maybe c...
by btenny
Tue May 17, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 29
Views: 1761

Re: garden hose

My hoses are about like the one below but mine are 20ish years old. They are a good high quality thick rubber and nylon. They still work well but I keep mine on a hanging hose tray near the faucet. The key thing is the hose is heavy duty rubber with brass fittings and I always unwind it when I use i...
by btenny
Tue May 17, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Military retirement upcoming; suggested retirement location?
Replies: 19
Views: 2933

Re: Military retirement upcoming; suggested retirement location?

Why wait until retirement to go sailing. When you get back to Virginia buy a sail boat and go sailing. The Potomac is right there next door to your home in Virginia. I know it is not warm in the winter but it is fine to sail there at least 6-9 months a year. GO for it now. Enjoy life now. Don't wait...
by btenny
Mon May 16, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7648

Re: Is it common for a step mother to inherit everything?

It is not common but it happens often. And many times there is a lot more $$ at stake than here.

https://www.caring.com/questions/stepmo ... ers-estate
by btenny
Mon May 16, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Some days still not sure I made the right choice
Replies: 49
Views: 7726

Re: Some days still not sure I made the right choice

I retired early to do something different and to get out of Big Corporation politics and constant pressure. I took a year off and worked on my portfolio and my finances and my house. Do you have a few honey do projects and house improvement chores? Does your house run on auto pilot? Can you leave if...
by btenny
Mon May 16, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: What was your hardest retirement transition?
Replies: 61
Views: 8849

Re: What was your hardest retirement transition?

Cheer up Janey. You can still ski a little and hike a little and do some boating. Some people cannot do any. My BIL cannot ski or hike as he gets bad leg cramps due to surgery closing off leg veins. Another friend has skied all her life. She skies amazing. She has had maybe 10 knee surgeries. There ...
by btenny
Mon May 16, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Am I on the right track for building dream house in LCOL area?
Replies: 14
Views: 1569

Re: Am I on the right track for building dream house in LCOL area?

Now a rough guess at a expense forecast for two retirees for a LCOL place with a paid off home. We spend about $68K in living and travel costs and one home. See below. So I think a $88K budget is more than enough to enjoy nice a retirement and many here have a good retirement on much less. My wife a...
by btenny
Mon May 16, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Am I on the right track for building dream house in LCOL area?
Replies: 14
Views: 1569

Re: Am I on the right track for building dream house in LCOL area?

Lots of moving parts in your question but here goes a partial answer. $100K income in todays dollars will fund a very nice middle class retirement. You will need to pay taxes out of that amount and in a LCOL area that would leave you with $88K or so to spend. ($6K fed, $2K state, $2K real estate). B...
by btenny
Sun May 15, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20803

Re: Rich But Middle Class

What happens to your lifestyle and house situation if the market crashes next year and your day trading job goes away?? Are you sure you can get another day trading job? If the market crashes and you are unemployed how does your budget work? What expenses can you cut and still not spend savings? I k...
by btenny
Sun May 15, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: Electric toothbrushes and Irrigators
Replies: 7
Views: 908

Re: Electric toothbrushes and Irrigators

I have a Sonicare brush that I use at night and Oral B brush that I use the AM. This routine was suggested by my Dentist. Both work good. When we travel I only take one. But more important than either is the need to floss at least once a day. I use a flow holder that makes it easy.

Good Luck
by btenny
Sat May 14, 2016 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: how do you track and view your asset allocation?
Replies: 27
Views: 2064

Re: how do you track and view your asset allocation?

I have TWO spreadsheets of all my investments that I keep on my computer, one for investment accounts and one for asset allocation for each month of the year. No off site storage or cloud storage. Just Excel files in my computer. I update these spreadsheets ever month or two and always at year end. ...
by btenny
Sat May 14, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Food budget and frequent visitors who stay at our home
Replies: 43
Views: 2925

Re: Food budget and frequent visitors who stay at our home

We also plan the first night menu BEFORE the guests arrive. We do this arranging when the company calls to say they are coming to visit. Or if that subject does not come up my wife calls them back and does detail first night dinner planning. We ask them what they like to eat. So then in your case yo...
by btenny
Sat May 14, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Food budget and frequent visitors who stay at our home
Replies: 43
Views: 2925

Re: Food budget and frequent visitors who stay at our home

It depends who is coming for dinner and for how long are they staying. My nephew is well off and sometimes he comes for dinner and a visit. He usually brings 2 or 3 of his kids and his girl friend and 1-2 of her kids. So maybe 5-7 people. He knows his tribe costs a lot to feed so he brings the food ...
by btenny
Sat May 14, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do you move after your home has appreciated by $500K?
Replies: 38
Views: 3543

Re: Do you move after your home has appreciated by $500K?

Prop 13 is even better than that if you have lived in California for a long time. Kids can inherit property that has low property taxes and low assessment value direct from their parents. They can then use the property for years with this low tax basis. But there are complications and lots of loop h...
by btenny
Sat May 14, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you move after your home has appreciated by $500K?
Replies: 38
Views: 3543

Re: Do you move after your home has appreciated by $500K?

See below for Turbo Tax answer. Selling after a spouse dies is great for all jointly owned assets in many states. The inheriting spouse gets full market value step up for the asset at data of death. So you could sell at that cost or up to $500k more and pay no taxes. Or sell later and take a capital...
by btenny
Sat May 14, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you move after your home has appreciated by $500K?
Replies: 38
Views: 3543

Re: Do you move after your home has appreciated by $500K?

I did way back when as I wanted to downsize after I retired. I also always planned to sell that big house when the kids were grown. All three things occurred at once. It was a good decision for me.

Good Luck
by btenny
Sat May 14, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: What was your hardest retirement transition?
Replies: 61
Views: 8849

Re: What was your hardest retirement transition?

The thing that is starting to bother me even more than spending money is a need for change. I have been retired now for 16 years and need something new. When I worked I got to start on a new project at least every 2 years. So I could dive in and meet new people and study new technology and work with...

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