Search found 3845 matches

by btenny
Fri May 26, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 37
Views: 4229

Re: anyone ever live/living on a boat?

You are way over estimating how big a 50 foot boat is and how easy it works for more than 2 people. That size boat is fine for 1-2 people but no more. Yes setting on the boat back deck watching the sunset is great. So is going out fishing or over to Catalina or some other island for a few days. So I...
by btenny
Wed May 24, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help My Dad Retire
Replies: 21
Views: 2042

Re: Help My Dad Retire

Did your Dad contribute to any Union pension during his working career? Any possibility of a small Union pension somewhere in his past? Maybe some jobs where he did union work?

Good Luck.
by btenny
Tue May 23, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 7281

Re: The dot com "do over" bull market?

I think we are way over computerized for too much stuff with little security or hacking protection. We are just one coordinated cyber attack from people not having enough to eat or correct medical treatment or correct bank accounts. We are being complacent all over the place. Yes most of the people ...
by btenny
Tue May 23, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: New to the forum and retiring this fall
Replies: 37
Views: 3206

Re: New to the forum and retiring this fall

Welcome to Bogleheads. Hope we can give you some help. Do you have a good handle on what your current expenses are per year? We really need to know that to help you understand how to proceed. It sounds like you are OK if you spend from your saving for few years. But you need to use FIREcalc to see h...
by btenny
Mon May 22, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 50
Views: 3678

Re: Mexican Pacific Beaches

Re digestive issues in Mexico. It is know as the Mexican two step. Ha ha. Seriously tons of people from Arizona go to Mexico every year and almost no one gets sick anymore. It is very rare and cleanliness has gotten much better. Plus gringos have learned how to eat and drink in Mexico. The issue is ...
by btenny
Sun May 21, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on new home construction - end of year or begin of next year?
Replies: 2
Views: 353

Re: Closing on new home construction - end of year or begin of next year?

The points and the origination fees are tax deductable. So if you close this December you can take those off taxes for this year. Then take the payments for the mortgage off next year. Or wait until Jan and take both next tax year. The gotcha is if you rush for December the builder may try to get go...
by btenny
Sun May 21, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2676

Re: Chandler, AZ

p14275. Actually Parts of Scottsdale are totally green. See McCormick and Gainey ranch and the railroad park and the longggg bike path. Same for Phoenix Arcadia area and other places. Oh and the Indian bend wash green belt area with multiple golf courses and parks run from PHX through Scottsdale for...
by btenny
Sun May 21, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4328

Re: Risks of electronic access

Credit cards are different than banking accounts and different than stock investment accounts. In this modern world everyone has to use CC in lieu of cash for most transactions. It is just hard to not use them. But I treat CC carefully and have had them lost or hacked several times. We have multiple...
by btenny
Sun May 21, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: tesla's valuation
Replies: 15
Views: 1101

Re: tesla's valuation

If I owned Tesla stock I would be more worried about his short attention span. He is now doing a different thing with tunneling in LA. Where is the focus to complete something or build batteries or cars? Tesla needs a leader. He is just not focusing. So Tesla will fire him when they hit the wall aro...
by btenny
Sun May 21, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Offline Puzzle or Brain Teaser/Training Apps
Replies: 3
Views: 345

Re: Offline Puzzle or Brain Teaser/Training Apps

I like Kirkastan Majong fo my Moto phone. It has about 900 different boards. My wife has a puzzle game for her laptop. She does big picture puzzles on it. We also both play the Spider solitaire card game.

Have fun.
by btenny
Sun May 21, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 22
Views: 1771

Re: Why ETF settlement happens on T+3?

Grabiner. Thanks the data about rule T. I had it explained to me the way I said above. If you do trades my way it always works. So a person does not need to try to remember the variations. The Dole case is wild. I read most of that report and am floored how the numbers of shares got all goofed up. I...
by btenny
Sat May 20, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Removing a Large TV - projector?
Replies: 7
Views: 603

Re: Removing a Large TV - projector?

The projection TVs I have seen are not that bright so they have to be in dark rooms or shaded rooms. They are not that small. They need separate sound amplifiers and other extras. There major feature is the ability to project very large 80-150 inch pictures. The people I know use them in Theater set...
by btenny
Sat May 20, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 22
Views: 1771

Re: Why ETF settlement happens on T+3?

Trading is different depending on account type. Cash accounts use margin and are taxable. These are called brokerage accounts. You can buy and sell stuff simultaneously in these accounts. You can take cash in or out of these accounts as it is after tax money. These accounts can have positive or nega...
by btenny
Sat May 20, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate Asset Allocation
Replies: 8
Views: 395

Re: Evaluate Asset Allocation

Given your age and low need for growth from your assets I suggest you reduce your allocation to 50/50 or even down to 40% stocks and 60% bonds. You have won the game so quit playing. All you need now is protection from inflation. So a lower stock allocation is better. So I suggest it is time to lowe...
by btenny
Sat May 20, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 20
Views: 2833

Re: NJ Lemon Law 2017 Honda CRV

Lexus has had the same problem on and off for years on several car types. Google parasitic drain. They eventually figured it out and improved it somewhat. But many Lexi still die if left unused for more than a few days. New cars with all the gadgets and computers do not get fully turned off when you...
by btenny
Sat May 20, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2676

Re: Chandler, AZ

For those who live elsewhere half the working guys in Phoenix become widowers for the summer when there wives and kids go to San Diego for the summer.
by btenny
Sat May 20, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: tesla's valuation
Replies: 15
Views: 1101

Re: tesla's valuation

And the other issue with Tesla is the charging formats. I think they are blowing it in the "standards game". They should have driven their charging format to be the "open" industry standard. Their Super Chargers apparently work great but are proprietary. But by not being a indust...
by btenny
Sat May 20, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: tesla's valuation
Replies: 15
Views: 1101

Re: tesla's valuation

Yes I remember Sun. I worked with them. But not the quote exactly. Lots of tech stuff was way overvalued in 1998-99 and lots of individuals including me felt many companies stock was way over valued. Companies like Sun and Cisco and Compaq are a few. Then it all crashed in 2000. A few still exist bu...
by btenny
Fri May 19, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2676

Re: Chandler, AZ

OP/Retired. Have you been out to Arizona or Phoenix for any extended period of time? The reason I ask is many people from the mid west or east coast are very shocked with the "look" of homes and houses and neighborhoods out west. Phoenix in particular shocks many people. The whole Phoenix ...
by btenny
Thu May 18, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: Is it possible to patch a blanket?
Replies: 6
Views: 489

Re: Is it possible to patch a blanket?

Take it to a good dry cleaner and laundry shop near you. They will most likely have a seamstress that does repairs of clothes and other things. He/she will tell you the cost to fix the blanket and if it is repairable.

Good Luck.
by btenny
Thu May 18, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 111
Views: 8664

Re: Resigning from a job: best practices and advice?

No you are not burning bridges IMO. But there is always someone unhappy when a person quits. So you will likely find your boss or his boss is not too pleased. Especially if they find out that you planned to quit and then did not tell them until after you took 2 weeks vacation. I am also not sure of ...
by btenny
Thu May 18, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 10010

Re: Question for you high net worth individuals...

I know three people who are very high net worth of at least 8 figures. All three made their money in real estate, two in California and one in Arizona. They are all old and made highly leveraged bets on properties in the 1970-80s and then continued to invest the resulting cash flow. I am not sure th...
by btenny
Thu May 18, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Annual house maintenance costs
Replies: 30
Views: 2141

Re: Annual house maintenance costs

I have a 35 year old house that is worth about $400K. It is in good shape and not too dated. When I bought it I spent 2 months fixing stuff inside and repainting. That cost $6K plus a lot of my labor. I did not need to fix anything or spend anything for the next 6 years. But I have been updating and...
by btenny
Thu May 18, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1601

Re: Tire Puncture - plug from outside or patch and plug from inside

A patch from the inside should be fine. But after patching and remounting the tire it needs to be rebalanced. So the process is not cheap. If you just plug the hole from the outside there are good odds that a piece of the thing that punctured the tire is still inside the tire and will roll around an...
by btenny
Wed May 17, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?
Replies: 23
Views: 2274

Re: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?

Can she live with you? I know that has issues but it provides a lot of improvement over the current situation. Plus she could help with your son/daughter after school. It would give her something to do if she was there to talk to her grand kid. She could help with the cooking and cleaning. I bet you...
by btenny
Wed May 17, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3049

Re: What are the powers of HR in a company?

OP/bogle. I guess you are in NJ so I will let go your view that this is the US and we will not let discrimination happen here. Well guess what!!! Vagrant discrimination by Indian companies and India H2B workers is rampant in Silicon Valley. They hire very few women or US citizens. It is a major trou...
by btenny
Wed May 17, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3049

Re: What are the powers of HR in a company?

English and Scottish friends and some relatives who are living and working there and have been for two years. The relative has experienced all of these things.
by btenny
Wed May 17, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3049

Re: What are the powers of HR in a company?

Oh and I forgot to mention that labor law in Europe and England is much different than the US. Workers are sort of contract workers in Europe with all sorts of work condition regulations and rules so the HR department has lots more power than in the US. And women in general are not treated as equals...
by btenny
Wed May 17, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3049

Re: What are the powers of HR in a company?

It is really funny how the views on this board are so US centric. Overseas European companies routinely discriminate against women all over England and Europe. The salaries are depressed for women vs men and so are the working conditions. Thus the HR department person that conducted the recent inter...
by btenny
Wed May 17, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Building a deck
Replies: 16
Views: 1691

Re: Building a deck

If you are going to build the deck at ground level use a cement base and then cover it with tile or brick or pavers of your choice. It will last forever. You clean it with a water hose. If the deck is going to be little off the ground say, 5-12 inches you can put in a small perimeter footing of ceme...
by btenny
Tue May 16, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 6751

Re: Anyone else agree with my logic on silicon valley housing?

MY brother used to live in Cupertino. His backyard looked out at the Apple campus. His house cost $250K as I recall for small 4/2 rancher in 1985ish when he moved there. He lived various places before moving there for work. His kids went to high school there and then went off the college. One ended ...
by btenny
Tue May 16, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 23
Views: 2210

Re: Privacy vs $$$$

how do you reconcile credit cards with fake data?
by btenny
Tue May 16, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 23
Views: 2210

Privacy vs $$$$

Yesterday I went to the paint store for a quart of paint. I was told it was $26 on the phone when I called ahead. So when I get there they start asking me for my email address and my name and home address. I said I was paying cash and they did not need that data. The clerk said it was "standard...
by btenny
Tue May 16, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fee help
Replies: 11
Views: 755

Re: Fee help

It seems you are paying $100ish per year for fees for your account. I have no idea if that is a good deal or terrible deal or if the account earns nothing or big bucks. Please tell us what $$ are in the account and how much it has earned per year in the last two years. Then we can comments more. Goo...
by btenny
Tue May 16, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: How much house? How large of a down payment? Infinite permutations are driving me batty
Replies: 36
Views: 3062

Re: How much house? How large of a down payment? Infinite permutations are driving me batty

Klang is right about fencing off part of a big house to protect toddler. Too big a house will need fencing off. We had to fence off our house and close doors to stop my daughter from wandering all over at 9 months. She started walking at 9 months and went from scooting to crawling to walking in abou...
by btenny
Tue May 16, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 6267

Re: What Will Burst the Next Bubble?

I have no clue what will cause the next crash but there are lots of indicators that $$$ things are way out of hand. So I suggest we will see a crash late in the first year or the second year of our new Republican president. It has happened lots of time before and likely will happen again. But I am n...
by btenny
Mon May 15, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 6751

Re: Anyone else agree with my logic on silicon valley housing?

I agree completely with your logic. I stayed in Phoenix for my entire career due to the lower COL and low cost real estate and a better quality of life. I tried the start up stuff when I was young. It was OK but sort of a crazy work load and not that good pay wise. And in my case there was no great ...
by btenny
Mon May 15, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: How much house? How large of a down payment? Infinite permutations are driving me batty
Replies: 36
Views: 3062

Re: How much house? How large of a down payment? Infinite permutations are driving me batty

Given your thoughts about going back to school are you sure you really want to own a home that ties you to Boston? Is your new job that secure and long term? How will your home needs change if you need to go to grad school in Chicago or Pennsylvania or NY? So I suggest you wait a while and get more ...
by btenny
Mon May 15, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance in older age?
Replies: 12
Views: 1593

Re: Term life insurance in older age?

My wife and I needed pension and SS loss protection in our late 50s and 60s if one of us passes early. So I bought $150K of 20 year term insurance for my wife when she retired. It was very cheap. I tried to get term insurance on me at the same time but flunked the physical. So I converted $150K term...
by btenny
Mon May 15, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do i still need Term Life Insurance ?
Replies: 14
Views: 1227

Re: Do i still need Term Life Insurance ?

I suggest you figure out how to keep $150K or so term insurance going forward. The key is lots of things can change between now and say age 70. So I would try to keep some insurance that goes to say age 70 or so. This gives your wife some protection if you pass early and she needs extra funds for an...
by btenny
Mon May 15, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: From selling to renting - what to do with proceeds?
Replies: 8
Views: 911

Re: From selling to renting - what to do with proceeds?

I would put the sales proceeds in a taxable investment account with a 60/40 allocation. I suggest VTEB as the tax fee bond part and VTI as the stock part. You will pay a little tax on the dividends from VTI but not much. Since NYC is a new home area for you I would not do anything with this money fo...
by btenny
Sun May 14, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Been lurking, finished reading Boglehead's Guide to Investing, now looking for advice regarding my situation
Replies: 4
Views: 632

Re: Been lurking, finished reading Boglehead's Guide to Investing, now looking for advice regarding my situation

1. Yes replace the freedom fund with sp500/total bond in 80/20 ratio to get the lower er rates. Later maybe in a few years you can add some international or have different options. 2. Put the Roth money in VTI, Total Stock market if that is an option. If not then more sp500 and limit the total betwe...
by btenny
Sun May 14, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 7080

Re: How Old Habits Can Sabotage Retirement

Do you guys spend all your MRDs. We are at MRD time and have always spent only taxable money before and our taxable funds were more than enough. But now we are at MRD time. So I am wondering if I should up my spending or just pay the taxes and put the rest in my taxable account. Oh and yes I am goin...
by btenny
Sat May 13, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 7080

Re: How Old Habits Can Sabotage Retirement

Companionship drastically effects this. Lots of people lose a spouse and do not travel or vacation much because they are by themselves. They have enough money but just do not go anywhere or do much. They have lost their best friend and have not found a second life after losing their spouse. So they ...
by btenny
Sat May 13, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Interested in lake property
Replies: 36
Views: 3798

Re: Interested in lake property

I think you can afford it. I think second homes or vacation homes are great for family time and fun. If they are close to your main home that makes them even better and more useful. But I think you might want to buy a complete condo or home. Taking the time and effort to build a second home will tax...
by btenny
Fri May 12, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4147

Re: Best cities for older tech workers?

Reno Nevada is exploding with data centers and tech work that is leaving California. I am retired so I do not have the details but I sure suggest you look there. Tesla, Microsoft and Apple are a few of the companies with big centers there. Plus the COL is low and the living conditions are great. I a...
by btenny
Fri May 12, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3011

Re: Price for brakes and rotors?

It is just funny about how people on here argue for days about the latest safety features on cars. We spend thousands for auto stop improvements but now we are talking about cheap skating the stopping power of the brakes. Do you guys really want to go with the low bidder for the brakes???? Then I wa...
by btenny
Fri May 12, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3011

Re: Price for brakes and rotors?

Great. 4-5 hours is about the right time including all the labor to completely rebuild each caliper and replace the fluid in the whole system and bleed the brakes and so forth. I mean a complete full brake job. Not a throw some new pads on the existing calipers and do nothing to the rotors and hope ...
by btenny
Fri May 12, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences/vacations - how much do people do
Replies: 24
Views: 2101

Re: Experiences/vacations - how much do people do

Some people tire of traveling for a while. They travel for work and travel for fun and feel they have traveled all over the world. They want to sleep in their own bed and have home made coffee and read a good book in there backyard. At least for a while. Most likely your wife feels she has traveled ...
by btenny
Fri May 12, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3011

Re: Price for brakes and rotors?

The price is very dependent on the type of parts used and where you get the work done and how many parts need replacing. I have a old 1999 Jeep Grand Cherokee. It has 122K miles on the original brakes. They are Mercedes ceramic setups as the car was designed and built when MB and Jeep were all one c...

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