Search found 4128 matches

by btenny
Fri Nov 17, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 1
Views: 94

Re: Timing if Medicare annual physical

One year plus a day for blood work and related stuff. I was told to wait this year for 1.5 months to make sure medicare would pay. That was for a doctor visit and then some blood work.

Good Luck.
by btenny
Fri Nov 17, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: portfolio review
Replies: 1
Views: 93

Re: portfolio review

1a/b. Overall you seem to be doing OK. But you cannot let up. You have about $1M saved. I did not do the details but did a little adding. Do either of you have any build up of pensions? How about social security or other long term stuff besides your savings? 1b. The big thing I see in each account i...
by btenny
Fri Nov 17, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unnveil
Replies: 51
Views: 2402

Re: Tesla truck unnveil

This dog and pony show was a joke IMO. Total vaporware or worse. It is not a product yet or even close. The truck does not work and will not tow any real heavy loads any significant distance because the design is not done. It is years away. The truck shown has no cooling or radiator for the power tr...
by btenny
Fri Nov 17, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about cash and retirement - isn't this really about market timing?
Replies: 3
Views: 283

Re: Confused about cash and retirement - isn't this really about market timing?

Since I retired I keep about 7% of my portfolio in real cash most of the time. I withdraw and spend about 3% of my portfolio over the year in addition to SS and pensions. But I also earn new dividends and interest of about 1% in my taxable accounts each year so I end the year at 5% or so cash depend...
by btenny
Fri Nov 17, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 93
Views: 5908

Re: Has used furniture dropped in value dramatically?

Dealing with a complete house full of "stuff" is hard. We spent about 6 weeks cleaning out and dealing with my father in laws home spread over 3 months when he passed away. Plus it took several additional weeks to clear out the garage and sell or move all his tools and stuff. It was just hard work. ...
by btenny
Fri Nov 17, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 93
Views: 5908

Re: Has used furniture dropped in value dramatically?

Yes I have priced pianos recently. Well 5 years ago recent. My wife plays the piano and we have always had a old (1902) upright grand piano that use to belong to her grandmother. It weighs a ton and is funny sounding but made of cast iron and solid walnut. So it is sort of antique so we keep it. But...
by btenny
Thu Nov 16, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 15
Views: 977

Re: Scottrade to TDA

Yes I am in a similar boat. I have been at Scottrade for a long time. But recently I have not been happy with how things are going at Scottrade. Especially in the last two years. But I am not sure I want to consolidate to one brokerage. Right now I have multiple accounts at two different brokers. An...
by btenny
Thu Nov 16, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Basement heating
Replies: 12
Views: 667

Re: Basement heating

I have one of the electric fireplace look heaters in my basement office. It works great. I close the door and turn on the heater switch and it heats the room fast. No fuss no muss. I set mine on two ceramic floor tiles for safety reasons. It has a built in thermostat so it shuts off/on and does not ...
by btenny
Thu Nov 16, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 1725

Re: RE sale: long close vs. bird-in-hand

The earnest money proposed by the buyer for Option A is too small IMO versus the time and effort involved. If you really like the person and the deal and want to do that option then counter the offer and ask for more earnest money. Get at least 10% of the sales price and make it unconditional. And m...
by btenny
Wed Nov 15, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 29
Views: 2829

Re: 55+ Early retirement offer.

I doubt that any ER package by a Fortune 500 company is going to get done by the end of this year. It is too late. These things take time to explain to the employees and then more time for the eligible people to make decisions and then more time to do all the exit interviews and paperwork. Think 3-4...
by btenny
Wed Nov 15, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 29
Views: 2829

Re: 55+ Early retirement offer.

Yes the first round of cuts and offers are usually the best. But unless you get some sort of health insurance from your employer to cover you from 55 to 65 you may have big issues. One year of Cobra is not a good offer. One year of Cobra that they pay for and then the ability to buy insurance on the...
by btenny
Wed Nov 15, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: When is the best time to buy...........
Replies: 4
Views: 596

Re: When is the best time to buy...........

Black Friday to Christmas is the best time to buy. But be prepared to pay up for higher end items that you must have. Those tend to not go on sale or not by much if they are popular. Then they sell out. But sometimes right before or after Christmas things get marked down even more if they are not al...
by btenny
Wed Nov 15, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 93
Views: 5908

Re: Has used furniture dropped in value dramatically?

You might consider selling most of the furniture when you sell the old house. We sold my father in laws home and much of his furniture to the lady who was buying the house as a second home. She gave us $1000 as I recall for a lot of stuff. She wanted the twin beds and the dining table and sofa and c...
by btenny
Mon Nov 13, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Looking for a Catamaran
Replies: 21
Views: 1562

Re: Looking for a Catamaran

Since you are new to boating I will give you a pass. Do you realize how BIG a catamaran sailboat is and how hard it is to turn and manuever? Plus they cost a fortune, $120K or more is normal for a 33 footer. You should look around at normal 33 foot sail boats or similar size power cruisers. These ar...
by btenny
Mon Nov 13, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5583

Re: The Personal Black Swan

Think about what happened to the people in Greece since 2009? The peoples savings accounts were locked up and they could not withdrawn cash or move money out of the country or buy stuff they needed. Current spending was stopped to pay for over spending by the government in previous decades. So every...
by btenny
Mon Nov 13, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5583

Re: The Personal Black Swan

While we are talking about "diversification" do some of you own funds from more than one company. Should we split our Total Stock Market investment into two slices, one from Vanguard (VTI) and one from IShares or Fidelity? I know almost all of my money is in Vanguard funds held and tracked by two se...
by btenny
Sun Nov 12, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job with regular working hours after a long break?
Replies: 7
Views: 1004

Re: How to get a job with regular working hours after a long break?

Lots of corporations who build software systems need software (and game) test engineers who understand how to do integration and big software. This is not a IT job as those people also end up doing lots of systems support and installation. I am talking a 8 hour a day test person. It is very hard job...
by btenny
Sun Nov 12, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?
Replies: 7
Views: 542

Re: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?

We took a tour of the island by van for about $40 each. The driver acted as a tour guide. We drove by the Atlantis as well as several other big hotel properties. As I recall you can walk around and see parts of the property for free after you get a taxi over there. But you cannot get into the Atlant...
by btenny
Sat Nov 11, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 75
Views: 8373

Re: Retirees: I got this!!

It very much depends on circumstances. I retired in December 1998 at 52 for various reasons. I had some money in the market and some real estate. I was nervous for 13 years about having enough money to stay retired. I experienced just about every bad event and sequencing thing talked about here. I h...
by btenny
Fri Nov 10, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Where am I and where am I going?
Replies: 16
Views: 1733

Re: Where am I and where am I going?

Yes your expenses are met right now by your pensions plus a little from your portfolio. But what happens if your wife passes and her pension income goes down by 50%. So now you have less income and much higher taxes. In that case you need a lot more $$ from your portfolio. Same issue occurs if you p...
by btenny
Thu Nov 09, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Maximizing use of electrician - outlet repair/upgrades
Replies: 20
Views: 1397

Re: Maximizing use of electrician - outlet repair/upgrades

Put in GFI receptacles in the baths and the kitchen and where you have three wireless stuff now. No need to upgrade from 2 to 3 wire as that is hard and not necessary.

Good luck.
by btenny
Thu Nov 09, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Where am I and where am I going?
Replies: 16
Views: 1733

Re: Where am I and where am I going?

I think your asset allocation is way too risky. You are 75% stocks and you do not need to take the risk. You should reduce to 50% stocks or less. Say 35% us, 10% foreign and 5% reit stocks. Or maybe even down to 30% us, 5% foreign and 5% reit. The issue is you have plenty of money to last for your w...
by btenny
Wed Nov 08, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Benefits at 55
Replies: 7
Views: 1269

Re: Benefits at 55

You are now eligible to live in Sun City and get discount golf and low taxes.

Good luck
by btenny
Mon Nov 06, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19270

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

Is the big federal deduction of $7500 going away after 2017? Is the federal tax deduction going to change with the tax change and update?
by btenny
Mon Nov 06, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 73
Views: 8651

Re: Retirement in Arizona - Seeking Advice

It is wonderful today. I am setting by my open back screen door. It is about 65 outside and clear and cool. The weather will be nice every day until about next May before it starts getting hot again. I live in north Phoenix/Paradise Valley suburbs in the city of Phoenix. This area used to be the edg...
by btenny
Sun Nov 05, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 7392

Re: Preparing For "Early Retirement" In A Couple of Years

You do not have enough to really completely retire YET. If you were older and had paid up SS and a paid for home you could retire now. BUT you have not put enough money into Social Security or a annuity or a home to do that yet. The issue is you need inflation protection and health insurance for lon...
by btenny
Sun Nov 05, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1870

Re: Has anyone bought a Samsung Note 8?

I agree. I think you should buy the IPhone 6 Plus or the IPhone 7 Plus. These still have the Home button and the ear phone plug and no finger print stuff found it the 8 and X. Both have big nice screens and good cameras. Get the biggest memory available vs price that you are willing to pay. My wife ...
by btenny
Sat Nov 04, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 5601

Re: College student... Financial mess... Need advice...

It is cheaper to keep her. You really have no financial alternatives. You cannot afford to pay for her lease and a new place for you and some credit card bills. Move back in with your girl friend for at least 7 months until the lease is over. Do what ever you have to to make up with her for now. "Yo...
by btenny
Thu Nov 02, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3353

Re: Help me understand the Used Car Dealership perspective

They paid a bunch for that car and need a big price to cover it. They hope to find a buyer... Who knows they might.

Look elsewhere.
by btenny
Thu Nov 02, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: "What's Your Uncertainty/Humility Score?"
Replies: 17
Views: 2439

Re: "What's Your Uncertainty/Humility Score?"

Good article about a hard subject. People are constantlying asking about precise $xx.xx earnings or contributions issues on this Web site. But many of us know it is just impossible to forecast that well. Then they also do not know their budget or how much it can be adjusted up or down. I have found ...
by btenny
Thu Nov 02, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Warning Buffet Indicator?!?
Replies: 31
Views: 2478

Re: Warning Buffet Indicator?!?

Been eating at cafeterias while working and then lots of buffets with FIL for decades. I have found the salad bar downright dangerous. Have been sick several times and now I just don't do most salad bars. The stuff is not washed enough and all that creamy stuff is not cold so germs abound. But I als...
by btenny
Wed Nov 01, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: House damaged by tree, next steps?
Replies: 8
Views: 982

Re: House damaged by tree, next steps?

When this happened to me in 2010 the insurance guy came after 1 week and took 2 weeks to finish his bid and mail me a check for $8k. He did not care how the work was done. So I hired a roofer who did all demo and new structure and new roof. I also got some glass repaired. But not new window frames a...
by btenny
Wed Nov 01, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: House damaged by tree, next steps?
Replies: 8
Views: 982

Re: House damaged by tree, next steps?

Take pictures of tree where it fell and on your house. Make sure you keep them and write a set of notes to go with each picture right now that describes the damage and any other issues. Cal your yard gup and get him to remove tree leaning on home and blocking stuff. Get him to put tarps over holes i...
by btenny
Mon Oct 30, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2546

Re: When the cold wind comes, I go where the dahlias bloom

Taking care of two homes and managing the upkeep is our major challenge with snow birding. There are always things that we want to improve or change or to make some repair. We stayed in Tahoe late this fall to handle bat infestations. I had to find the right bat pest person and get quotes and schedu...
by btenny
Mon Oct 30, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1615

Re: Barcelona Trip

Thanks for all the comments. We have decided to go ahead and go for now. I really want to see the city and the Sagrada Familia church and the Gaudy stuff etc.. We are not leaving for two weeks so this could change but it is a go for now.

Good Luck.
by btenny
Mon Oct 30, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2546

Re: When the cold wind comes, I go where the dahlias bloom

You guys are ill informed about politics. It is all local. I live in Arizona and Lake Tahoe northern California and have homes in both places. My Arizona neighborhood is very liberal and many of my California friends are gun toting conservatives. We never talk politics and I will not talk it here. W...
by btenny
Sat Oct 28, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Hotels/Resorts on the beach in San Diego
Replies: 15
Views: 1228

Re: Hotels/Resorts on the beach in San Diego

Well JPA you have been getting lots of confusing and conflicting advice. California is giant beautiful state with great beaches along its whole length from Crescent City to San Diego. See below for examples. I have been going to these beaches for 65 years and have personally been to dozens of them. ...
by btenny
Fri Oct 27, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1615

Barcelona Trip

My wife and I are traveling to England to met my daughter and her husband for Thanksgiving. We planned to stay in England for a few days and then travel to Barcelona Spain and vicinity for 4 days in early December together. We have paid reservations and air tickets and so forth. We made these plans ...
by btenny
Fri Oct 27, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19270

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

Latest reports out of Fremont suggest Tesla is having big league troubles with the Model 3. They are turning off parts orders big time instead of ramping up production. See below. And if you read the worst into this report this car may crash the cash flow and the whole company. https://seekingalpha....
by btenny
Thu Oct 26, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Hotels/Resorts on the beach in San Diego
Replies: 15
Views: 1228

Re: Hotels/Resorts on the beach in San Diego

The Hyatt and the Bahia are two nice hotels right on the bay side beaches of Mission bay. There are also several others nice hotels right on the water in Mission bay. That is the nicest beach area of San Diego IMO. You can stay on the ocean side or the bay side depending on your style. You can also ...
by btenny
Thu Oct 26, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: What are snowbirds doing for health insurance?
Replies: 12
Views: 1445

Re: What are snowbirds doing for health insurance?

Oh and to further prove my case I actually use doctors and hospitals in three states regularly. I live part time in Arizona and part time in South Lake Tahoe which is right next to Nevada. So we have doctors in Nevada, California and Arizona. So sometimes I drive to Nevada to see a doctor and then g...
by btenny
Thu Oct 26, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: What are snowbirds doing for health insurance?
Replies: 12
Views: 1445

Re: What are snowbirds doing for health insurance?

I have been a snowbird for years. Blue Cross Blue Shield covers me in Arizona and California. I specifically ask that question 2-3 times on a recorded line back when I signed up. I have Plan F-HD and Medicare and everything is fine. I have full coverage as long as the doctors I see and the hospitals...
by btenny
Wed Oct 25, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Medicare Supplement Plan F or Plan F High Deductible
Replies: 14
Views: 1216

Re: Medicare Supplement Plan F or Plan F High Deductible

Mitchell. I have had Plan F-HD for 5 years. It has saved me and the wife a good deal of money over regular Plan F. But the paper work is somewhat a PIA. You get lots of bills from the hospital and various doctors and clinics, etc. if you have to have a lot of stuff done. Your example is about what I...
by btenny
Tue Oct 24, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Very social, impactful, fun job ideas?
Replies: 8
Views: 1199

Re: Very social, impactful, fun job ideas?

I taught snow skiing for 6 years after retirement from my corp 500 job. I taught kids to ski all winter for the first 4 years and then adults for the next 2 years. The job was hard work as it started at 7 AM and did not end until 4 PM. But it was fun and I learned a ton about skiing and kids and tea...
by btenny
Mon Oct 23, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Cold feet
Replies: 23
Views: 2357

Re: Cold feet

Try some UGG shearling boots. They are great and warm and cover you up to your calf.

https://www.amazon.com/UGG-Classic-Shor ... gs+for+men
by btenny
Sat Oct 21, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Turn fridge off when gone or leave it running?
Replies: 40
Views: 50125

Re: Turn fridge off when gone or leave it running?

I have two homes. I go back and forth in the spring and fall. I leave both refrigerators running full time and full of stuff. I might not open them for 3-4 months at a time. I have never had a problem in 17 years. I keep lots of condiments and candles and some frozen stuff in it. Many of my neighbor...
by btenny
Fri Oct 20, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 5198

Re: I have to fire someone that I care about personally

Given your age I suggest you find a new person before you tell her she is being replaced. Finding a "personable good talent" for a band that is over 30 but not wanting her own band with her name and control will be really hard. I bet you cannot find someone who will fit. Finding and fitting the puzz...
by btenny
Thu Oct 19, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: medicare supplement
Replies: 29
Views: 2051

Re: medicare supplment

I have F-HD with Blue Cross Blue Shield. I have coverage in California and Arizona as I snowbird. It is cheap because it has a high deductible of $2K per year. So it is big problem insurance. My wife and I have had it for 5 years and only hit the limit once. It costs $43ish per month for each of us....
by btenny
Thu Oct 19, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Europe vacation, family of 5
Replies: 15
Views: 1436

Re: Europe vacation, family of 5

I suggest you take a guided bus trip. Companies like Globus provide the hotels and buses and tour guides and all the arrangements. It is a wonderful way to travel with teenagers. I took my kids and wife for a 20ish day Globus bus trip all over Europe when my kids were 14 and 19. The bus made it very...
by btenny
Thu Oct 19, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: How to rent a house? (I'm the renter.)
Replies: 11
Views: 935

Re: How to rent a house? (I'm the renter.)

Many good long term home rentals are handled by real estate companies and list the properties on the internet. You can see pictures and prices and so forth this way. This is the good news about this type of listings. The bad news is they charge the owner big $$$ for the listing so the price is highe...