Search found 3928 matches

by btenny
Mon Jul 17, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 59
Views: 5229

Re: Is it still worth buying a house in a state with insane property taxes

Sorry but there are lots of states and locations all over the US that have very high property taxes and lots of people just pay them. Plus in many places the property is also very expensive, much more than west Chicago burbs. I think Chicago overall has a MCOL, not real low COL but not HCOL either. ...
by btenny
Mon Jul 17, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Moving out of USA, How to optimize
Replies: 8
Views: 1115

Re: Moving out of USA, How to optimize

Welcome to Bogleheads. We need to understand your current citizen status to evaluate your future investment options. And we need to understand if you are planning on staying in India in the future and when you retire. We also need to know if you will be paying any US taxes and or FICA taxes due to w...
by btenny
Thu Jul 13, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: can a city mandate garbage & recycling service? is that legal?
Replies: 36
Views: 2264

Re: can a city mandate garbage & recycling service? is that legal?

I am pretty sure cities can bill you the property owner for services they provide and you have to pay for them. I guess it is their option how they collect the money. I know the City of Phoenix bills every homeowner on every property for all services. I get a single bill that includes water, trash p...
by btenny
Wed Jul 12, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Alternative to Bose Wave?
Replies: 8
Views: 984

Re: Alternative to Bose Wave?

I use a Bose Companion II that I use to listen to stuff on my laptop. The sound is great and I have about half my CDs on it. I can also play CDs direct. I also listen to CDs a little on my old boom box and on my big stereo with JBL 100s. I also have a Bose Mini that we use outside and at the beach. ...
by btenny
Wed Jul 12, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Home made "Trail mix"
Replies: 13
Views: 871

Re: Home made "Trail mix"

My wife has been making our own trail mix for use while skiing for decades. She buys most of the bulk stuff at Costco. She mixes walnuts, dried cranberries, raisins, white chocolate chips, almonds and pecans. We vary the content based on what is on sale and in our pantry.

Good Luck.
by btenny
Sun Jul 09, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: How to compromise on moving
Replies: 10
Views: 1006

Re: How to compromise on moving

Stem. Take your wife to Florida or Arizona or someplace warm next winter for 2-3 months. Rent a place with a pool or a place that has a common nice pool. Someplace like Sun City. She can set under the tree and read by the pool and you can go for long walks in the warm winter sun. Then go back to NYC...
by btenny
Sun Jul 09, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Moto G4 Memory
Replies: 10
Views: 749

Re: Moto G4 Memory

I have a Moto G3 and do not understand your issue. My phone has 1.9 GB memory for use by the CPU and I use 59% of it on average according to my screen. It says I have 794MB free for use on various applications. I never have any issues with not enough memory. Is this your concern? My phone also has a...
by btenny
Sun Jul 09, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: New Information, New Viewpoint on Investing?
Replies: 28
Views: 2403

Re: New Information, New Viewpoint on Investing?

I have been visiting here for a long time. I have always balanced each of my taxable and tax free accounts to my desired asset allocation for various reasons. So I have lots of bonds in each of my account types. I just liked the idea of tax free bonds in my taxable account so I did not have to sell ...
by btenny
Sun Jul 09, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 4664

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Try eating a small can of tuna and a small green salad with minimum dressing for lunch. Drink water. Great protean and good fiber. Buy a fresh packaged turkey breast at Costco and slice it up into 1 pound bunches. Seal each in plastic for use over time. Use this with good bread and other stuff for a...
by btenny
Sat Jul 08, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody retired and relocated + bought a new house?
Replies: 26
Views: 2511

Re: Anybody retired and relocated + bought a new house?

Why are you moving? Taxes, friends, hobbies? I suggest you not buy in the new place right away. Rent to try out the new city. Maybe rent a place there now to try it out while you are working. Then maybe I'm 1-2 years buy a second home there while you are employed. Getting a mortgage with no income i...
by btenny
Sat Jul 08, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1275

Re: Android phone, which one?

Moto G3 here. Good low cost easy to use.. more user friendly than wife's iPhone. And camera is easier to use but picture quality is so so versus good camera.

Good luck.
by btenny
Fri Jul 07, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10033

Re: Last 80 minutes of my career

Have fun. Think about sleeping in next Monday. Tell the people at your job thanks for the memories. It was nice working with them. (even if it was not) and be glad that working for $$ is over.

Good Luck
by btenny
Fri Jul 07, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?
Replies: 26
Views: 6325

Re: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?

Your fine. Retire next year. Yes medical insurance will be expensive but you can cover it. You will need to watch expenses. How much equity do you have in your house above the $1M in investments? I suggest you set aside that equity money in a separate account and then be very careful if you buy agai...
by btenny
Tue Jul 04, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2158

Re: Bogleheads - how about an outdoor chair recommendation!

I have two blue Strong Back folding chairs that I have used all summer for 4 years or so. They are strong and easy to fold and heavy duty. They fit in one of those canvas bags when folded so you can carry then easily. My SIL paid about $70 each for our two and her two. They are great for the beach a...
by btenny
Tue Jul 04, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12770

Re: Bogleheads: you should be buying 10-year old cars

Actually I have lots of first hand shopping experience that says new cars are NOT any where near as comfortable as older cars. Yep almost every new car suffers from hard seats with little padding and limited spring in the seats. And unless you buy a luxury brand they are limited in adjustments. Ever...
by btenny
Tue Jul 04, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12770

Re: Bogleheads: you should be buying 10-year old cars

I have a 4 year old Subaru Outback, a 10 year old Lincoln Zephr and a 18 year old Jeep GC. So our cars are right on the 10 year average. I think this works great for us and is pretty economical. We drive the Subaru the most and for all our long trips over 100 miles. It is safe and comfortable and ge...
by btenny
Tue Jul 04, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: When to leave a job?
Replies: 11
Views: 1881

Re: When to leave a job?

Well you have a tough problem. You are right at the age where you are very knowledgeable about your job but getting very expensive salary wise. And in 2-3 years you will be over that old man age of 50 but not ready to retire yet. But the worst thing I see about your job is the not starting new proje...
by btenny
Mon Jul 03, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 7 years into retirement - reallocation
Replies: 9
Views: 999

Re: Investing 7 years into retirement - reallocation

I let my ratio run down gradually from 50/50 at 55 to 37/63 at 70. Given your family age and health issues I think you need to get down to 40/50/10. Yep carry some cash. I also do not see why you need the risk of a lot in stocks.

Good Luck.
by btenny
Fri Jun 30, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 2963

Re: Buying a $520k House in LCOLA

Your kids are close in age to each other. They can play together on their land and ride bikes and play tag and build a fort and all kinds of out door stuff on that much space. Plus in a "close track home community" they cannot do most of this stuff. In that situation they set in side and p...
by btenny
Thu Jun 29, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Getting a new cooktop, gas vs electric?
Replies: 72
Views: 3643

Re: Getting a new cooktop, gas vs electric?

I suggest you pay a plumber to put in the gas line and then buy a moderate cost gas stove. Cooking with gas is just a lot better and the stove clean up is a lot easier. I know first hand. I have gas in one home and a electric glass cook top in our other home. Cooking with electric is just more chall...
by btenny
Thu Jun 29, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11831

Re: How did you handle the costs of your child's wedding?

We helped both kids through college with no debt. Then DS got married (13 years ago) in a big church wedding and dinner party reception, etc.. I paid $4K or so for a nice rehearsal dinner and party for 40 or so the day before. The brides' Dad paid for the wedding and reception, etc.. When my DD got ...
by btenny
Mon Jun 26, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Won an ATV in a raffle...now what?
Replies: 39
Views: 3294

Re: Won an ATV in a raffle...now what?

Donate it back the college for use in the next raffle if they will take it. You will get the FMV as a tax deduction and save some $$ in taxes. This may be the best way to proceed since you do not want the thing and may not need the small extra income due to selling it. This is what happens to much o...
by btenny
Mon Jun 26, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Best Practices for Managing Paper Receipts
Replies: 28
Views: 2180

Re: Best Practices for Managing Paper Receipts

Old guy here but wanted to mention keeping multiple credit cards for different stuff. I traveled a ton for work and had one credit card I used exclusively for company travel stuff. Then I kept those receipts in a separate envelope in my briefcase and checked them against the bill as needed when I fi...
by btenny
Sun Jun 25, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance with allocations please???
Replies: 5
Views: 499

Re: Assistance with allocations please???

Your young wife should have a asset allocation of about 60% stock and 40 % bonds. You should have about 40% stocks and 60% bonds. All your investment accounts seem too complex to me with too many funds. You need to think about totally redoing your accounts. They are not set up with taxes in mind. Bu...
by btenny
Sun Jun 25, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: Good Article on Bubbles and Staying the Course
Replies: 27
Views: 3262

Re: Good Article on Bubbles and Staying the Course

Very good article. I liked how they talked about flippers only wanting to own a home for 6 months driving the home prices up. Then the article showed the percentage of homes ownership periods spiking in 2006. And then the regular buyers trying to do the flip things and getting hammered. Like the NFL...
by btenny
Sat Jun 24, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: 58 years old and laid off seeking advices
Replies: 43
Views: 5542

Re: 58 years old and laid off seeking advices

I think you are in good shape. You have a lot of money saved to live on. Your capital gains taxes will be much lower if you are not working for a salary so you can sell some stocks each year to live on until you get to 65ish. Then you will need to decide if you want to take Social Security or wait l...
by btenny
Fri Jun 23, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Is there "better" time of year to buy older used car?
Replies: 6
Views: 1100

Re: Is there "better" time of year to buy older used car?

Start looking before and around Christmas and close the deal by New Years has worked well for me. There are a few old model year cars still available to buy if you want a new car and lots of used cars and everything is on sale. The key is dealers need to track and reduce inventory by year end. Good ...
by btenny
Fri Jun 23, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: HP Laptop - Black Screen - Help
Replies: 14
Views: 957

Re: HP Laptop - Black Screen - Help

One of the option buttons at the top of the keyboard turns on outboard screens and second screens and turns off the laptop screen. Try pushing that button and selecting other options.

Good Luck.
by btenny
Thu Jun 22, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4953

Re: What is your car's average cost ownership?

Good data The Dan. But when I review this data I am very confused by the giant $11.6K maintenance costs for the 1999 Nissan Altima. This item totally drives the costs on that car. What happened to create so big a repair bill? All your other cars were $1.4K or so. So why would you spend that much on ...
by btenny
Thu Jun 22, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4953

Re: What is your car's average cost ownership?

I purchased a slightly used Lincoln Zephr in 2009 for $14K plus taxes etc. or $14.9K out the door. It had 11K miles. Today it has 84K miles and I have spent about $1.5K in maintenance for oil changes and two sets of tires and a battery in 8 years of ownership. I could sell it now for $3-5K or keep i...
by btenny
Tue Jun 20, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3937

Re: Want to downsize, see "to do" list. What to tackle first?

I also wanted to tell you I sold my old kid home my self to a builder. I did some renovation prior to selling but nothing major. I did most of this work my self so the costs were just materials. The sale was complicated as the first builder did not complete the sale. So I had to sell it a 2nd time t...
by btenny
Tue Jun 20, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3937

Re: Want to downsize, see "to do" list. What to tackle first?

When I downsized (in 2001) we took almost a year to find a home we liked that fit our new needs. Our kid home was 3300 sq ft on 1.5 acres with 4 bdrms/3 baths. We lived there 21 years. That home had a giant detached garage and two huge grass yards and 30 trees and play courts and so forth. When our ...
by btenny
Mon Jun 19, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 10897

Re: Amazon Buys Whole Foods

Anyone have a guess who the other suitor is for Whole Foods? The market annalists think the price offered by Amazon is too low for Whole Foods and that one or two other big players will step in and bid for the company at a higher price.
by btenny
Mon Jun 19, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3937

Re: Want to downsize, see "to do" list. What to tackle first?

How are you going to downsize and not move twice? Do you have to sell your current home before buying you new smaller home? Or can you finance and cover a mortgage for the new home until you sell the old home? So I suggest you figure out your move plan first. Then I would sell the home as is. I migh...
by btenny
Mon Jun 19, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: California Vacation - Bay Area, So Cal, or Both (with coastal drive)?
Replies: 24
Views: 1743

Re: California Vacation - Bay Area, So Cal, or both (with coastal drive)?

As I said when you ask before I would not go to Northern California with this age kids now that Hwy 1 is blocked. The kids will get bored with just doing SF for a week. Adding some hiking or biking will only help a little. So I suggest you take the kids and go to Mission Bay in San Diego. Go to the ...
by btenny
Sun Jun 18, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3476

Re: Fermenting Vegetables

Google chimchi and cancer. There are lots of references.
by btenny
Sun Jun 18, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3476

Re: Fermenting Vegetables

Did you people go read the articles about Kimchi and other pickled vegetables? The scientific data is pretty clear that Kimchi raises the odds of getting cancer. I love the taste of the stuff but I will not go out and start eating a lot of it after reading this data.

Good Luck.
by btenny
Sun Jun 18, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Should I get a second vehicle?
Replies: 5
Views: 537

Re: Should I get a second vehicle?

Welcome to Bogleheads. I agree you are putting a lot of miles on your truck. But getting a second car for "fun" rather than just a used commuter car is not going to save you any money. Why do you have the truck other than towing your boat? Because I see the "stick shift car" and ...
by btenny
Sun Jun 18, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Deck needs replaced, what should I get?
Replies: 17
Views: 1514

Re: Deck needs replaced, what should I get?

Beware... Just because you are thinking Trex, you should understand the support structure for a composite deck has to be regular wood. Trex is not strong like regular wood. So you need to study how the contractors are putting in the new support structures. Are they setting the beams on cement piers?...
by btenny
Sat Jun 17, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: house or condo for a frequent traveling family?
Replies: 17
Views: 1741

Re: house or condo for a frequent traveling family?

What do you currently do with your stuff and the apartment while you are gone out of the country? I bet it is just easier and cheaper to rent a store room and put your stuff in it for the away periods and then drag it out for the home periods. Yes doing this storage thing is a PIA and you cannot get...
by btenny
Fri Jun 16, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 10897

Re: Amazon Buys Whole Foods

This will be very interesting. Whole Foods has started a development project in South Lake Tahoe for a new store. We already have four major grocery stores and two other smaller grocery stores for 30K people and some tourists. So we have lots of food stores. We were shocked when Whole Foods was anno...
by btenny
Wed Jun 14, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy and move?
Replies: 19
Views: 1495

Re: To buy or not to buy and move?

I suggest you rent a 2 bedroom apartment or small house very near your son right now. Do not sell your home so fast. Try out living in two places for a while. Go and live in the new place and stay near your son and help out with the new grand kid and see how you and they like it. See how much you mi...
by btenny
Wed Jun 14, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Genetic testing and insurance
Replies: 18
Views: 1759

Re: Genetic testing and insurance

And if insurance companies deny you coverage they have to tell you why. They may make it hard to find out why but if you ask in writing they have divulge the information.

Good Luck
by btenny
Wed Jun 14, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Genetic testing and insurance
Replies: 18
Views: 1759

Re: Genetic testing and insurance

Life insurance companies can use this data for rating purposes. Plus if the paperwork asks about the condition you have to tell them if you know you are likely to get it due to genetic vunerability. Same for medical insurance.. They want to know what you know so you have to tell them. So buy some te...
by btenny
Wed Jun 14, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1958

Re: Cooktop died, not repairable, need recommendations

GE Profile glass top 36 inch is good for us. The version we have has no knobs. It is all touch controls. We like it and it cooks good. It cleans up OK if you use the special glass stove cleaner and scrub it when dirty. Gas is better but that house is all electric We might do the induction version if...
by btenny
Tue Jun 13, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 33
Views: 3107

Re: Moving to Phoenix. Need advice.

Dom. I have no clue what you are talking about or is this just a jest? Maybe you are just trying to discourage more people from moving to Phoenix and making it even more crowded. Phoenix is a great city in lots of ways. It is good place to live and raise a family. The weather is great 6 months a yea...
by btenny
Tue Jun 13, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Requesting Feedback: Overall Portfolio | CA resident
Replies: 2
Views: 421

Re: Requesting Feedback: Overall Portfolio | CA resident

You seem to be doing great in almost everything except taxable. I suggest you sell all those small allocations and buy intermediate tax free muni bonds for 10% or so of your taxable funds. Then move all that cash you hold in your checking account for emergencies to tax free limited term muni bonds a...
by btenny
Tue Jun 13, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 37719

Re: Regret early retirement/downsizing

I retired early and immediately realized I could go skiing full time. I love to ski and all through the years from age 21 on I wanted to ski a lot but never had the $$ or time. So for the next 5 seasons I skied around 150 days a winter. I loved it. It took me six years to get enough. Now 18 years la...
by btenny
Mon Jun 12, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: condo maintenance - AC unit
Replies: 2
Views: 580

Re: condo maintenance - AC unit

Coils do not need service. Yes they need to be cleaned if the get really dirty but only then. The guy was trying to get extra service calls. Most modern AC units need no service unless they are broken.
by btenny
Mon Jun 12, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Renting Stuff [Renting out a boat dock]
Replies: 7
Views: 706

Re: Renting Stuff [Renting out a boat dock]

Thanks for the comments. I was sort of leaning the way you all discussed it and now I am sure I will not be renting to this person.

Good Luck.

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