Search found 3603 matches

by btenny
Sun Mar 26, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park excess cash
Replies: 11
Views: 1708

Re: Where to park excess cash

I am retired so I have no income and I keep a lot of money in bonds. This is what I have found is best for my low risk taxable account money. I find this much easier to manage than CDs and the returns are better especially after taxes. I keep a good amount of money in Vanguard Limited Term Muni, VML...
by btenny
Sun Mar 26, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: AA after reaching your "freedom number"?
Replies: 39
Views: 3754

Re: AA after reaching your "freedom number"?

When I did my retirement planning I found that a return of 3% above inflation was necessary to support a 4% withdrawal without reducing my principle. So if inflation is about 2% right now I think you need to earn closer to 5% each year to keep up. I kept about 50% in stocks when I first retired 17 y...
by btenny
Fri Mar 24, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Winter Travel
Replies: 29
Views: 1903

Re: Winter Travel

Barefoot. Do your relatives know that it is cold in Paris in December on those streets with cold rain and overcast for days? Plus there is good potential for snow as well. So that means no outdoor cafes or street vendors or walking to places. It is just cold and wet with very little sunshine. See be...
by btenny
Tue Mar 21, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 7979

Re: Citi card Nightmare

See the topic below on the issues I had with the Amex to Citi Costco credit card changeovers. I had major issues that were not getting resolved. Then I got a special phone number for their Executive CC branch in that conversation. The people in that Executive group are good. They have access to lots...
by btenny
Tue Mar 21, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Winter Travel
Replies: 29
Views: 1903

Re: Winter Travel

I have three alternatives, Lake Tahoe or Phoenix or Las Vegas. I have done a family vacation in Tahoe for 5 days. It was great. I had all my kids and their kids and some of my nephews and their kids. We rented a second big home right near my home. We had 15 people all together. We skied and sledded ...
by btenny
Tue Mar 21, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Pre-Retirement Income & Post Retirement Expenses
Replies: 15
Views: 918

Re: Pre-Retirement Income & Post Retirement Expenses

I retired quite comfortably on 40 percent 18 years ago . We have slowly increased that for expenses but are still only at 80 percent of last year's income. Only thing special we did was downsize and pay off new home so we had no mortgage.

Good luck.
by btenny
Mon Mar 20, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16659

Re: gratuitous homeownership items

Having a whole second home.
by btenny
Sun Mar 19, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 2242

Re: What is ideal master bedroom size?

It depends on the home and the neighborhood. A small ranch house needs a small master to match. A big suburban home in a very good location needs a big bedroom and setting space and a big closet and a big bathroom. Plus in your case what can you afford and what do you want? Small is 13 x 13 or so. L...
by btenny
Sun Mar 19, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Risks of MLPs
Replies: 26
Views: 1588

Re: Risks of MLPs

I owned 500 shares of KMP (Kinder Morgan) for a decade or so. I did not make any money net over the whole period. Any money I made in dividends over the years was lost when they reorganized the company and the stock value crashed and the dividends were cut to 25% of previous payments. It was a major...
by btenny
Thu Mar 16, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Autonomous Vehicles and Drone Deliveries
Replies: 31
Views: 1607

Re: Autonomous Vehicles and Drone Deliveries

Certainly auto pilots for truck are close to going live and commercial. There is huge demand to get more drivers and reduce driver fatigue. This technology may help on both fronts. See below. But anything beyond a better cruise control for cars and trucks is just future talk hot air IMO. Crowded cit...
by btenny
Thu Mar 16, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Autonomous Vehicles and Drone Deliveries
Replies: 31
Views: 1607

Re: Autonomous Vehicles and Drone Deliveries

I think food delivery by drone will start happening this year or next year in the west as viable commercial thing. Nevada and Arizona are already doing trials for lots of applications already. Seven Eleven stores already are doing trials in Reno. See below. Lots of stores have issues with getting en...
by btenny
Thu Mar 16, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 537

Re: selling home/lease back/long escrow

Are you against buying your new home first and moving into it before you sell your existing home? I did this twice in my life and it worked well both times. I bought a new home and took 2 months or so to paint it and have it re-carpeted and so forth before we moved in. Then we moved part of our furn...
by btenny
Thu Mar 16, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 1396

Re: Quiet Bedroom overhead fan

I have Hunter Douglas fans in most of my rooms in Arizona. They are quiet and slow. They were balanced when installed using standard balance weights. So I suggest you try to balance your fans with balance kit from Home Depot or Lowes. See below. I also have mine hooked though speed select wall switc...
by btenny
Thu Mar 16, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare and Costs after employer insurance ends
Replies: 28
Views: 1672

Re: Medicare and Costs after employer insurance ends

I have spent $5K or so for my wife and I each per year for the last few years on all my healthcare stuffsince we ewnt on Medicare. This costs includes medicare insurance and all the part a/b/d/drugs and deductibles and glasses and dental. Some years I spent less but then one year I spent more. So th...
by btenny
Tue Mar 14, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16659

Re: gratuitous homeownership items

The rock burglar targeted high end homes and neighborhoods. VP Dan Quale and other celebs and pro ball players were some of his targets. Some times he broke in when the people were home so the alarms were off. In Arizona the big homes are long with bedrooms on one end and family rooms on the other e...
by btenny
Tue Mar 14, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16659

Re: gratuitous homeownership items

IMO most alarms are worthless. I have been robbed twice by professional burglars. Alarms do not slow them down. The gotcha is the alarm is not set much. Plus the pros don't care as they are in and out so fast and in ways to not trip the alarm. Plus alarms don't work for vacations or snowbirds due to...
by btenny
Mon Mar 13, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Walkie-Talkie for 8-9 year old kids
Replies: 13
Views: 699

Re: Walkie-Talkie for 8-9 year old kids

Look for some Motorola radios like the ones below. They are great. Not cheap but waterproof and rugged. They offer long range, lots of channels and good battery life. http://www.globalindustrial.com/p/safety/communications/two-way-radios/motorola-talkabout-174-t605-waterproof-rechargeable-two-way-ra...
by btenny
Mon Mar 13, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Article--"Vanguard goes on hiring binge to support big boom in growth"
Replies: 12
Views: 1780

Re: Article--"Vanguard goes on hiring binge to support big boom in growth"

Good Luck Elsebet. They are clearly growing and that makes good place to work but there are other tradeoffs. Are you worried about low salaries vs other opportunities and the future possibility for raises? I assume you have read Glassdoor about the issue mentioned there by current employees?
by btenny
Mon Mar 13, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Increase W4 withholdings or make estimated tax payments
Replies: 12
Views: 673

Re: Increase W4 withholdings or make estimated tax payments

Adjust your W4 withholding to get the right taxes and forget about for now. But check back and revise your tax estimates in October or so. That way if you still need to have more taxes held out you can revise your W4 again for November or December to make a one time big tax payment to cover any taxe...
by btenny
Mon Mar 13, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Carrying case of Bose Sound Link Mini II
Replies: 2
Views: 173

Re: Carrying case of Bose Sound Link Mini II

No carrying case is needed. We carry ours around in the car and boat and on the beach and never have a problem. It is pretty rugged. We have had it for 3 years or more with no issues.

Good Luck.
by btenny
Sat Mar 11, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: The Big Short, FannyMae and VBMFX
Replies: 5
Views: 421

Re: The Big Short, FannyMae and VBMFX

Well you could do like some of us here and not invest in Total Bond Market for the reasons you stated. I think all this Fed interference in the bond market for the last 8ish years is totally goofy with regard to mortgage bonds and treasury bonds. So I own Intermediate Term Bonds and Muni bonds and s...
by btenny
Fri Mar 10, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Re-Balancing, but how? (& Retirement Questions)
Replies: 16
Views: 844

Re: Re-Balancing, but how? (& Retirement Questions)

You need to tell us your expenses are now and what you expect to spend in retirement. Then you need to forecast what you will need to withdraw from your accounts annually to live on. Are you planning on him taking SS next year when he retires or not taking SS for a while and spending more of your sa...
by btenny
Fri Mar 10, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Escrow
Replies: 10
Views: 586

Re: Mortgage Escrow

I would wait for them to send you a notice. They will tell you what options are available and where to send the check. If you send it early they may not put it in the right account or count it toward a reduction in principle or some other thing. So I would wait. This changing value for escrow accoun...
by btenny
Fri Mar 10, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22588

Re: How to Die

My family had a situation like the Shivo case. It was very tough on all involved. My wife's cousin was 75ish and very healthy. Her parents lived to their late 90s. She was single and lived alone. She had a stroke in her sleep but survived and stayed asleep until she was found the next day still in b...
by btenny
Fri Mar 10, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Asset Placement Turned Upside Down, Bonds in Taxable?
Replies: 51
Views: 3871

Re: Asset Placement Turned Upside Down, Bonds in Taxable?

You guys are missing a important issue that has been around for more than 8 years. Tax exempt bonds yield (VWITX) is the same or more than intermediate term bonds (VFICX) and better than treasuries. So for a very long time just owning tax exempt bonds was a better deal than owing total bonds or trea...
by btenny
Thu Mar 09, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 2654

Re: Clawback of sales commissions earned

Take it up the ladder and soon. Talk to your bosses boss or the top guy ASAP. Read his thinking on your pay and commissions. I suspect the push back is from the owner or the next highest person. Many times in small companies (or divisions) guys like yourself end up making as much or more than the CE...
by btenny
Tue Mar 07, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Drones in arizona
Replies: 39
Views: 3395

Re: Drones in arizona

New sport. Drone hunting and shooting with my 12 gage. :) :D
by btenny
Sat Mar 04, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Nice portable Bluetooth speakers
Replies: 17
Views: 901

Re: Nice portable Bluetooth speakers

Bose Mini II is very good
by btenny
Sat Mar 04, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Personal assistants for work
Replies: 20
Views: 1256

Re: Personal assistants for work

High level Admin Assistants are actually paid well (not great) if they move into big law or big corp or big gov't main offices where lots of big $$ is at stake. Many admin people back when who did law work evolved into paralegals over time. They learned enough to have the skills of a lawyer but no f...
by btenny
Sat Mar 04, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Personal assistants for work
Replies: 20
Views: 1256

Re: Personal assistants for work

One of my most valuable people was my Administrative Assistant when I worked at Big Corp back when. I had three over the course of 20 years when I was doing big projects of 15 or more people. Mine were young ladies with high school degrees and good computer skills and good filing and organizations s...
by btenny
Thu Mar 02, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Cheapest hotspot option
Replies: 10
Views: 776

Re: Cheapest hotspot option

Most modern smart cell phones have a hotspot setting. You turn it on and the phone turns on the wifi connection and the data port of the phone so you get internet service via the phone. You just sync the computer to your phone wifi instead of your home wifi. No need for a special hot spot device. It...
by btenny
Thu Mar 02, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1731

Re: Medigap F vs F High Deductible decision

Mayo clinic does not accept Medicare B so there are lots of billing issues. Having excess coverage gets some of those bills covered. I have never experienced this but I have read about it.

Good Luck.
by btenny
Wed Mar 01, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1731

Re: Medigap F vs F High Deductible decision

The actual cost of Anthem BC/BS in California has not gone up at all in 5 years. It is the same price for me at 70 year old as it was to start at 65 years old.





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by btenny
Wed Mar 01, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: How Much to Stretch for "Forever Home"
Replies: 42
Views: 3914

Re: How Much to Stretch for "Forever Home"

This is not a good Idea IMO. You do not have enough cash or retirement savings yet. There is no such thing as a forever home. There is just a right now home. You will not need this kind of home in 20 years. The kids will be in college and you will want something smaller so you can spend the money he...
by btenny
Wed Mar 01, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 6591

Re: Climate and happiness revisited

Yes I get the not playing hockey thing. I wonder if we made the right decision to let him play. Only one of my grandsons plays hockey. He is the super aggressive one who is also very athletic. His older brother did not want to play. He lives in Chicago and watched the Blackhawks and talked about hoc...
by btenny
Wed Mar 01, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 6591

Re: Climate and happiness revisited

Are your kids old enough to play hockey yet? My son built a ice rink in his back yard for practice sessions with his kids. He helped the neighborhood kids build a rink in the park down the street. So lots of kids use that one. He is learning to play hockey. He is having fun in the cold. He moved to ...
by btenny
Wed Mar 01, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 4634

Re: What Car Should I Buy My Daughter as a Graduation Present

I bought my son a small Nissan pickup when he graduated from school. He loved it. He used it a ton for work and fun. He hauled his bikes and toys and all kinds of stuff. I bought my daughter a Chrysler convertible when she graduated from school. She loved that car. She drove it everywhere with the t...
by btenny
Wed Mar 01, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 15513

Re: Possibly Financially Independent and Feeling Miserable

Are you including your home in this $$ number? Do you have any kids? How many years have you paid Social Security? Please advise as this effects your calculations a lot. Congratulations!!! I think your worrying and suffering from achievement success. Many people have issues after they reach a life l...
by btenny
Wed Mar 01, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: Mom & Pop investors piling in. Bad Sign/Good sign?
Replies: 36
Views: 6648

Re: Mom & Pop investors piling in. Bad Sign/Good sign?

The market is in the "buy the rumor" phase IMO. Lots of people are getting into stocks based on the hope that congress and the new administration will lower taxes and reduce red tape and generally make it much easier to do business. So I think we have a ways to go before the "sell the...
by btenny
Wed Mar 01, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1731

Re: Medigap F vs F High Deductible decision

Actually the deductible has not gone up that much. It is linked to the government CPI-U index per the table below. It was $2000 in 2010 and 2011 when I started and sold for $43ish per month. In 2017 the deductible is $2200 and the cost is $42. So no price increase and only a 10% deductible increase ...
by btenny
Wed Mar 01, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Work injury and disability
Replies: 10
Views: 785

Re: Work injury and disability

Are you eligible for SS on top of your pension?
by btenny
Wed Mar 01, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1731

Re: Medigap F vs F High Deductible decision

F-HD is not changing. Only full F. Prices for F-HD have gone down but deductables have gone up.
by btenny
Tue Feb 28, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 119
Views: 8750

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

Travel to and stay in Giglio Italy. It is small island off the coast of Tuscany from Florence. The island is wonderful and has good beaches and small towns and wonderful people. I have never been there but a good friend's parents and uncles and cousins and relatives are all from there. The place sou...
by btenny
Tue Feb 28, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1731

Re: Medigap F vs F High Deductible decision

Is there a question in here? Have you selected a plan? I know in my case I selected F-HD for my wife and I and it has saved us a bundle for the 5 years we have been on it. I have had one year where we spent the deductible for one of us and four years where we spent a little. So 9/10 policy years we ...
by btenny
Tue Feb 28, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Warning & Advice Requested
Replies: 19
Views: 1199

Re: Warning & Advice Requested

This kind of stuff has been common in lots of places since 911 and the Patriot Act. Especially with large sums over $100K. I had a large home in escrow when 911 happened. It was a cash deal from a builder. He canceled the deal and forfeited his earnest money. His backer could not move his funds in a...
by btenny
Mon Feb 27, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Help Please, My Identity is at Risk
Replies: 26
Views: 3134

Re: Help Please, My Identity is at Risk

Fix the locks on your door and maybe install some security screen doors with double special locks. Notify your boss and your wife's boss in writing of the theft. Freeze your credit at the credit bureaus. Report the theft to your insurance company so they will flag your files and home and the related...
by btenny
Mon Feb 27, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Sellers disclosure form has sections not marked
Replies: 26
Views: 1911

Re: Sellers disclosure form has sections not marked

As some say there are no coincidences in life. They are just intentionally avoiding something. I am pretty sure there is something wrong big time with this property. You suspect it but may not have the resources to find out what. So I suggest you put something in writing into the the escrow file imm...
by btenny
Mon Feb 27, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3043

Re: Outdoor grill: gas or electric?

I have a electric grill in my stove in the house. It is a 220V unit. It is worthless. It takes about 30 minutes to get warm. It never gets hot. It will cook meat but VERY slowly. It smokes terribly as it has no cover and the drip pan is right under the cal rods. We also have a propane outdoor grill ...
by btenny
Mon Feb 27, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: New car or hand down used car to college student?
Replies: 19
Views: 1274

Re: New car or hand down used car to college student?

Your older Honda is an ideal car for a young kid IF you ignore the recent improvement in safety things. It is low cost and easy on gas and OK size wise for her. It is relatively new so it has many safety features. So I would let her use it and and get the oil pump fixed. Honda's are reliable and you...
by btenny
Mon Feb 27, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 3249

Re: Cruise suggestions.

I looked up the insurance on the above website and found it much cheaper than Viking. About $530 vs $1200 for two people. Was this site that cheap when other used it? I also do not understand all the language about pre-existing conditions. I am an old guy with some medical things wrong that I take m...

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