Search found 3228 matches

by btenny
Sun Dec 04, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: Need Advice on France for my son
Replies: 11
Views: 574

Re: Need Advice on France for my son

Euros. Good one. I am pretty dumb sometimes. Since England still uses pounds I forgot. I have not been back to France for a while. But the point is still valid. There are exchange rates and fees to change from Euros to dollars and back. And your bank will keep records in one currency. So you need to...
by btenny
Sun Dec 04, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "Retirement?"
Replies: 16
Views: 826

Re: How to define "Retirement?"

Yes to all of the above. There are lots of ways to enjoy life after work. Retirement is not having to go to work every morning to pay the bills and being worried about not having enough $$$ at the end of each month. Financial independence if having enough $$ to do what you want every morning. Do you...
by btenny
Sun Dec 04, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 23
Views: 2245

Re: Retirement with $8M in investments

Can you say YIPPIE and dance. You are wealthy by almost every standard. You have won the game. You live in a great area and own a great house. Take some of your investments and pay off the house completely. I would see about dramatically lowering your asset allocation to maybe 20-30% or less in stoc...
by btenny
Sun Dec 04, 2016 7:33 pm
Forum: Personal Consumer Issues
Topic: Any particular oven toaster you preffer????
Replies: 13
Views: 729

Re: Any particular oven toaster you preffer????

Nis, Fire hazards are why we only have the small toaster ovens. The size is small so it sets away from the wall and other flammable stuff. It does not take up much space and it is too small to cook big things. It only has two heating elements and two manual controls. I do not like the higher power b...
by btenny
Sun Dec 04, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 7
Views: 469

Re: Smartphone for a low techie

I would get him a older model IPhone 4 or 5c if his computer is a Apple product. If he is a PC/Windows person then I suggest a Android Moto 4G. The Moto 4G is cheap and easy to use IMO. I have one and I prefer it over the IPhone for many reasons. My wife uses IPhone. Go to Circuit City and get him t...
by btenny
Sun Dec 04, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable VS Non-Taxable Accounts
Replies: 11
Views: 629

Re: Taxable VS Non-Taxable Accounts

Do you have some sort of pension that will start right away or will you be spending cash from your taxable next year? If you have no pension then your tax bracket will be near zero as you have no wages or pensions so no income. Correct? Or is your wife still working so you tax bracket will be her ea...
by btenny
Sun Dec 04, 2016 6:14 pm
Forum: Personal Consumer Issues
Topic: Need Advice on France for my son
Replies: 11
Views: 574

Re: Need Advice on France for my son

We use Facebook messaging a lot for my daughter in England. If she is awake she is logged on. So this works well to send quick messages faster than a phone message. If we are logged on we can check if my daughter is logged and awake (in England) and an send her a quick note or ask a question. If we ...
by btenny
Sun Dec 04, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 22
Views: 984

Re: Help placing limit order for BND

Given your order size and the direction the BND fund price is moving I would suggest you string out your order over at least a week. Maybe try to buy a $100K of BND on Monday with a $80 limit order. Then IF you get your strike price of $80 great. But if the order does not fill then wait and maybe mo...
by btenny
Sun Dec 04, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save copies of your tax forms and supporting docs?
Replies: 18
Views: 896

Re: How do you save copies of your tax forms and supporting docs?

I keep electronic copies of my tax returns in PDF format so I can keep them and open them way in the future. I also keep a Turbo tax format version. I have been doing that for about 10-15 years. I keep some of the supporting docs in electronic form that I get via the internet. But I don't go to the ...
by btenny
Sun Dec 04, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Any particular oven toaster you preffer????
Replies: 13
Views: 729

Re: Any particular oven toaster you preffer????

I have a Black and Decker oven that works great. It's best feature is it small. So it does not use much counter space and there is limited hot metal to avoid while it cooks or cools off. Two knobs make it easy to use. It only has two heating rods so it is not fast to make toast but it does OK. We al...
by btenny
Sun Dec 04, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Need advice on a ski location
Replies: 21
Views: 1521

Re: Need advice on a ski location

The other thing you need to consider with skiing is the conditions you might expect for cold weather and altitude. Many people from the city have issues with it being too cold and stormy to enjoy themselves. It tends to snow in winter and at the altitude of these resorts it might only get to 20 degr...
by btenny
Sat Dec 03, 2016 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: How do you figure out your W4 withholding?
Replies: 24
Views: 3951

Re: How do you figure out your W4 withholding?

The W4 tools just miss from my experience. So I always just used my 4 allowed deductions, 2 for me and my wife and 2 kids every year. This ended up with less actual federal deductions than needed for most years and less state than needed as well. The IRS did not like this. So after a while I just di...
by btenny
Sat Dec 03, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: Cleaning Tile Grout?
Replies: 8
Views: 1011

Re: Cleaning Tile Grout?

I got my off white grout cleaned 3 times over the years. The first two were done by a lady on her knees with some sort of cleaner and small brushes scrubbing the grout. When she finished the grout was sort of clean but had darker and light areas. It needed staining to make it look new. So then she s...
by btenny
Sat Dec 03, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 70
Views: 8563

Re: [favorite] Boglehead quotes

For the folks out there trying to save for the future I wanted to quote a great American about life, Warren Miller, Ski film maker and outdoor enthusiast.

"You don't have to have lot of money to live a great life." Warren Miller.

https://en.wikipedia.org/wiki/Warren_Miller_(director)
by btenny
Sat Dec 03, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Need advice on a ski location
Replies: 21
Views: 1521

Re: Need advice on a ski location

After skiing a weekend at Mt Snow when I was young I never complained again about ice or Sierra cement or Colorado hard pack. I got cat clawed all over my back at Snow when I fell going down a black run. That's right, I was cut by the ice through my sweater. I had on a loose knit sweater and the ice...
by btenny
Fri Dec 02, 2016 7:35 pm
Forum: Investing - Theory, News & General
Topic: Adding SCV Tilt...placement and fund choice
Replies: 10
Views: 812

Re: Adding SCV Tilt...placement and fund choice

I hold VBR in my taxable account. It is 10% of my stock allocation.

Good Luck.
by btenny
Fri Dec 02, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: Need advice on a ski location
Replies: 21
Views: 1521

Re: Need advice on a ski location

My wife says we stayed in Lionshead in Vail a "million years ago" at a condo that had a pool like you describe. I do not know the name. I have been back to Vail several times since. We stayed at other places. The skiing is great at Vail with tons of blues and many levels of black and fun g...
by btenny
Fri Dec 02, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit a large check long distance?
Replies: 30
Views: 3260

Re: How to deposit a large check long distance?

This kind of stuff is why I bank with two large nation wide banks. I use Wells Fargo and US bank an have money in both places for checking. I also use Wells Fargo as a brokerage account instead of Vanguard. I hold all my Vangurd mutual funds and etfs at Wells. Then my checking account and brokeage a...
by btenny
Fri Dec 02, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Logistics of getting a new car when moving across country
Replies: 16
Views: 572

Re: Logistics of getting a new car when moving across country

No issues with PO box for temp address for DL in California that I know about but check with Texas. Lots of places have issues with PO boxes. Credit card companies and banks hate PO Boxes but mostly accept them but most places also want a physical address as well as a mailing address. So ask each pl...
by btenny
Fri Dec 02, 2016 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is This Insane?
Replies: 28
Views: 3403

Re: Is This Insane?

My son invested 100% in Emerging Markets when he first started at 22ish. I told him about age in bonds etc. He said he could handle the risk and knew about the issues from business classes. He did great for 5 years and had about doubled his money plus all his additions. He had accumulated some real ...
by btenny
Fri Dec 02, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Logistics of getting a new car when moving across country
Replies: 16
Views: 572

Re: Logistics of getting a new car when moving across country

For simplicity I would rent a car in Texas when you first get there and start your new job. Then get going on the new Id process. I would also rent a PO Box in Texas before you move. Maybe when you visit the new company. If you cannot do this in person talk to the HR people at your new company . The...
by btenny
Fri Dec 02, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: More help with parent assets on the fixed income side
Replies: 10
Views: 920

Re: More help with parent assets on the fixed income side

I hold Wellesley in my tax free account but I also hold other pure bond funds and pure stock funds in my taxable and IRA accounts. So when I rebalance I sell some of those as needed. I also hold what I call a "balanced portfolio". I have about 40/60 in taxable and 40/60 in my IRA. So I hol...
by btenny
Thu Dec 01, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Best vendor to purchase the latest Apple Macbook Pro?
Replies: 17
Views: 1622

Re: Best vendor to purchase the latest Apple Macbook Pro?

I have used up 100GB or so of my 500GB. I have a ton of pictures and some music and a few short videos. When I bought my PC I looked around to decide between 256G and 512G. I found the key break point was saving long videos. They are just huge files. But the extra cost for me was $200ish. So I decid...
by btenny
Thu Dec 01, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Best vendor to purchase the latest Apple Macbook Pro?
Replies: 17
Views: 1622

Re: Best vendor to purchase the latest Apple Macbook Pro?

I would suggest you go and look at a Mac Air with the 13.3 screen. I bet she would love it given the useage you describe. I have been completely converted to smaller screens and long battery life and light weight. I have a Ultrabook HP machine. It is like the Mac Air, about 3 pounds with long batter...
by btenny
Thu Dec 01, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: More help with parent assets on the fixed income side
Replies: 10
Views: 920

Re: More help with parent assets on the fixed income side

I am not fan of Tips at the current rate of zero percent plus inflation. You are guaranteed to loose a little money over time at the best case. Gov't inflation figures for Tips have been lower than retired age actual inflation. So I would suggest not buying a lot of TIPs at the current yields, maybe...
by btenny
Wed Nov 30, 2016 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of going solo
Replies: 24
Views: 2393

Re: Thinking of going solo

If you were doing it your self or with a fee only adviser you would have earned about 5% or more in the last 10 years. I earned even more and so did most on this board. I have five accounts, two taxable, one IRA (merged from two previous IRAs) for me, one IRA for my wife and one Roth for my wife. We...
by btenny
Wed Nov 30, 2016 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do others handle their withdrawals or distributions
Replies: 17
Views: 1775

Re: How do others handle their withdrawals or distributions

I spend about 2.5% of my assets annually beyond SS and pensions. So far I have not spent any of my IRA. All of my spending comes from dividends in my taxable account and the rest comes from stock and/or bond sales when I rebalance annually. When I rebalance I set aside one years money in cash in my ...
by btenny
Wed Nov 30, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 6565

Re: Investing in the 80's when CD rates were 17%?

IRAs did not exist until 1975 and had very low limits, $1500 - $2000 so they were not very helpful. 401Ks did not exist until 1980 and then were not well understood for years. So very few companies offered them. Most of us used company sponsored pension plans to invest tax free. And most pension pla...
by btenny
Wed Nov 30, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 6565

Re: Investing in the 80's when CD rates were 17%?

I bought a home in the summer of 1980 and got a $150K mortgage at 10% to 12% interest. The big issue we dealt with was making sure the mortgage allowed it to be paid off early. Some mortgages in those days were fixed term so any early payoff had big penalties. I know we refinanced a few years later ...
by btenny
Wed Nov 30, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Miami- be very careful buying RE here
Replies: 25
Views: 2825

Re: Miami- be very careful buying RE here

How is that high tide thing working in New Jersey? Some of those towns lost a bunch of beach in Sandy and now the high tide line has moved into the street. But the houses themselves are elevated a little so they do not get wet regularly. Yes they were trashed in Sandy but many were still standing an...
by btenny
Wed Nov 30, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Miami- be very careful buying RE here
Replies: 25
Views: 2825

Re: Miami- be very careful buying RE here

The gov't owns the land up to high tide. So anyone can access "wet sand" pretty much all over the US. Many states and teh gov't also own lot of parks and related land like tidal estuaries that are next to the beaches.

See below.
http://www.kqed.org/w/coastalclash/recreation.html
by btenny
Tue Nov 29, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 8244

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

I'm sorry but I do not think electric cars in the current configurations are going to get that much market acceptance. Lets look at the facts. Electric cars are just not being widely accepted nor rolled out fast to many people in any country. The first modern electric car was the GM EV1. It was buil...
by btenny
Tue Nov 29, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to help sister?
Replies: 71
Views: 5817

Re: Best way to help sister?

Some people are just not willing to put in the work to support themselves. They are not disabled. They are not slow. They just want to spend more and play more and expect their relatives and kids and friends and parents to provide for them. This happens in many families. The issue then comes down to...
by btenny
Tue Nov 29, 2016 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Are we on the right track for retirement?
Replies: 14
Views: 1536

Re: Are we on the right track for retirement?

As a minimum I suggest you invest at your job in your new 401K plan up to the max allowed and for sure up to the company match of $9K. If I understand what you are saying that will give you $18K invested per year for you. When your husband goes to work will he have a 401K? Has he gotten a job yet? I...
by btenny
Tue Nov 29, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6603

Re: Why does the car dealer say leasing is cheaper than buying?

NIs. I leave my cars parked sometimes for months. Last year I got back and started the car after being away for the summer. I did not see how the tires looked. After it warmed up I drove it around the neighborhood. I walked around the car when I got home. The back right rear tire was ruined. I guess...
by btenny
Tue Nov 29, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6603

Re: Why does the car dealer say leasing is cheaper than buying?

My son-in-law leases cars. He is in the Army and moves every three years. His previous deployment was to Seattle. He leased a car when he got to Seattle. Then when he deployed back overseas he turned it in the day he shipped out. No worrying about selling a car when he leaves. Known costs for the ca...
by btenny
Mon Nov 28, 2016 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaires living in lower end neighborhood by choice? Do we move?
Replies: 17
Views: 3263

Re: Millionaires living in lower end neighborhood by choice? Do we move?

It sounds to me like you already have the ideal situation, a good home in a good location with good schools. You seem to like your neighbors. The kids like the place. Since you home is paid for you can save enough in the next few years to fund your kids college and still save money for retirement. A...
by btenny
Mon Nov 28, 2016 3:11 pm
Forum: Investing - Theory, News & General
Topic: When to exchange munis for treasuries in retirement?
Replies: 13
Views: 1338

Re: When to exchange munis for treasuries in retirement?

I suggest you stay with the Munis in your taxable account. Right now they are yielding more than the Treasuries at face value and in your tax bracket they are yielding a lot more after taxes.

Good Luck.
by btenny
Mon Nov 28, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Citi Amex Costco credit card problems.....
Replies: 23
Views: 2508

Re: Citi Amex Costco credit card problems.....

Thanks all for the great information. I called the Executive Response Unit that Jags provided. They were extremely helpful and knowledgeable. The person there got right on the problem and looked around for a few minutes and came up with the right account. She understood what happened and corrected i...
by btenny
Mon Nov 28, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 8244

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

The problem with solar is it does not work with little or no sun. So you need big batteries for most locations and giant batteries in other locations. Maybe the electric cars Musk is going to sell us will provide some of these batteries. I am sure this is part of his vision. But I am not sure places...
by btenny
Mon Nov 28, 2016 12:12 pm
Forum: Investing - Theory, News & General
Topic: Commodities in your assets allocation
Replies: 22
Views: 964

Re: Commodities in your assets allocation

Yes I have a commodities allocation. I think they provide nice inflation protection and good returns if you buy the right things. They are a part of my stock allocation. The key is to own great stocks instead of some funny futures fund. Most commodity funds are actually 50% to 80% energy stocks. So ...
by btenny
Sun Nov 27, 2016 10:22 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 83
Views: 29545

Re: Honda CRV or Subaru Outback?

Not all Subie Outbacks are the same. Some designs are very good and very reliable. I have the 2013 Outback Limited with the H6 engine and the 5 speed auto transmission. So no CVT issues or 4 cylinder engine problems. I also got it without the Eyesight system and fancy cruise control or lane departur...
by btenny
Sun Nov 27, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 57
Views: 4841

Re: Why do reviewers love the Dell XPS 13 but users don't?

I can say some things about this issue. I bought a HP Spectre notebook with almost the same specs as the Dell last year. It is a much better machine than the Dell machine. It has a full aluminum case. It has a great keyboard that is back lit. It has a HDMI port and 3 full size USB ports. This year I...
by btenny
Sun Nov 27, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 215
Views: 20612

Re: What is your favorite consumer product?

My favorite consumer item is a library book from the local city library. The old fashioned paper kind. The book is free and I get to read the Wall Street for free as well when I go to get other books once a week or so. Plus when I am traveling I go to the local library for free reliable hacker free ...
by btenny
Sun Nov 27, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 215
Views: 20612

Re: What is your favorite consumer product?

Tomato my wife likes your story. She still has 2 new pair of her favorite Addidas shoes in the closet. She bought them 5+ years ago. She bought 5 pair or so when they discontinued her shoe and has been slowly using them up. Regarding New Balance shoes has she tried other types of NB shoes? Different...
by btenny
Sun Nov 27, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6603

Re: Why does the car dealer say leasing is cheaper than buying?

Yes I guess for some new cars it may be cheaper to lease due to manufacture discounts on leases. I see how the manufacturer might give out these discounts to postpone the loss of value on the new car to a later date. So they offer a lease only discount and company financing to postpone the loss on t...
by btenny
Sun Nov 27, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Equally good shock absorbers in stock correction? Short term bond funds vs muni funds vs inter. term bond funds
Replies: 5
Views: 451

Re: Equally good shock absorbers in stock correction? Short term bond funds vs muni funds vs inter. term bond funds

See below for Portfolio Style and risk properties of each fund. These show the portfolios of each fund. Study the style charts. The shorter the term of bond funds the lower the risk due to interest rate changes. So VFSTX is low maturity risk because it is all short term bonds. And VTBFX is medium ma...
by btenny
Sun Nov 27, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Patio Fire Place
Replies: 9
Views: 1044

Re: Patio Fire Place

I have a Chiminea on my deck in Tahoe. I burn wood in it on summer and fall cool evenings. It works Ok. You have to set close. You have to set them on fire proof tiles or bricks. I also have a screen cover to limit sparks. We use ours to make s'mores and hot marsh mellows. I also use it to burn my o...
by btenny
Sun Nov 27, 2016 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 6565

Re: Investing in the 80's when CD rates were 17%?

Well guys I lived through those times as a young adult. I did well by buying real estate. But that took a lot of extra work. I do not remember any CDs being offered with terms longer than 2 years with high rates. Maybe there were CDs with 5 year periods but they had escape clauses and adjustable rat...
by btenny
Sun Nov 27, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6603

Re: Why does the car dealer say leasing is cheaper than buying?

Just completed paying off and buying my first leased car. Things I found out. 1. Leasing is around $500 or so more expensive overall than buying a new car and paying cash. 2. Car leases allow you to have lower car payments per month than buying the new car with a car loan. 3. You cannot lease a car ...

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