Search found 3534 matches

by btenny
Tue Feb 21, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement on the Horizon & Asset Allocation
Replies: 8
Views: 835

Re: Retirement on the Horizon & Asset Allocation

If you have saved and invested enough to be ready to retire now then you have won the game. So WHY keep playing? Cut your risk and coast. That is what retirees and near retirees do. So I suggest you reduce your asset allocation to 50/50 right now before you retire. You seem to understand the risk is...
by btenny
Tue Feb 21, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Car Lease - Need Advice
Replies: 16
Views: 1057

Re: Car Lease - Need Advice

Go look up Petrocelli on this web site and PM him about leasing MB cars. As I recall he leases a new MB CXXX or EXXX every 3 years. He should have a lot of advice and good knowledge of the details. He posts occasionally and has the record for one of the longest posts for the $5000 watch. Good Luck.
by btenny
Fri Feb 17, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Best place to buy coil chain
Replies: 4
Views: 471

Re: Best place to buy coil chain

My local hardware store carries cheap chain for regular stuff like you are asking about. They have 2-3 sizes as I recall. The boat supply places in town also carry chain but it is more expensive and special for boats. The issues with chain is how it is welded and finished. You need special smooth we...
by btenny
Fri Feb 17, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Anyone using AT&T Mobile Share Advantage Plan
Replies: 5
Views: 437

Re: Anyone using AT&T Mobile Share Advantage Plan

We have two smart phones on ATT that we own. We are not under contract. We have unlimited text and talk and 4GB data with roll over. We never use all the data so now we have about 15GB?? data. We pay $94ish per month. We used to pay $72ish per month for 2Gb data but we added 2GB shared data when we ...
by btenny
Fri Feb 17, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 27
Views: 2151

Re: Cruise suggestions.

OP here. We are looking at a Viking Ocean Cruises trip to Israel and Greece with a departure from Rome plus stops in Naples and Cyprus. Viking has a good reputation with river cruises but ocean stuff is new for them so I am wondering about lots of stuff. There are no comments about this particular c...
by btenny
Thu Feb 16, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 3079

Re: Anxiety about buying used car

Wellllll... No matter what car you buy your insurance will go up a LOT. Having a third car will tell the insurance company that your teen is driving full time. So they will bill you a bundle for the car you tell them she is driving. Get used to the bill. It will not go away for a while. Sorry... Now...
by btenny
Thu Feb 16, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Planning for a long term trip
Replies: 14
Views: 958

Re: Planning for a long term trip

We mostly stay in the US so we don't get big amounts of meds in advance. But last year we were over seas for a month. That time I took enough meds for 6 weeks. I plan to do this again this fall. We buy all our meds from a mail in pharmacy (actually call them in by phone) so every prescription is goo...
by btenny
Thu Feb 16, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 27
Views: 2151

Cruise suggestions.

My wife and I are planning to take a 15 day long cruise around the Med this fall. We are starting in Italy and traveling to Greece and stopping in lots of other places along the way. We are paying a lot for this trip. So I am wondering what things I need to do to save money or precautions I need to ...
by btenny
Thu Feb 16, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Planning for a long term trip
Replies: 14
Views: 958

Re: Planning for a long term trip

I am a semi snow bird so we move around often. Here is my list. We put almost all of our bills on auto pay. We put almost all of our deposits on auto deposit. We keep $5K or so extra money in checking as a buffer for unexpected expenses. Anything that is not automatic we pay in advance for 3 months....
by btenny
Wed Feb 15, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Software for photo slideshow
Replies: 7
Views: 466

Re: Software for photo slideshow

My wife and I used Picassa to do a slide show with music for my daughters wedding in late 2015. It worked great. We had about 100 pictures or so set to music. We have Picassa already installed on our computers but it may not be down loadable any longer.

Good Luck.
by btenny
Wed Feb 15, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retire By 58, 59, 60??
Replies: 10
Views: 1681

Re: Retire By 58, 59, 60??

From a preliminary look you are doing great. You have saved enough already and are on a great glide path. When you pay off the house you will have even more to invest. Keep on trucking.

Good Luck.
by btenny
Tue Feb 14, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 59
Views: 3234

Re: New cars or Pool?

Buy one of those portable pools that have metal fence edge and a plastic liner instead of a permanent in ground pool. They are cheap and easy to install. It is easy to drain and decommission for the winter. The kids will love it. They do not care if the pool is fancy. It is wet. You can take them ou...
by btenny
Tue Feb 14, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Heated floors in kitchen and baths
Replies: 19
Views: 1476

Re: Heated floors in kitchen and baths

I put electric mats in two bath tiled floors in Colorado ski country in 1996. They worked great for 10+ years while I still owned the place. Is was very nice to go into the bath to shower and step on the warm floors. As far as I know they are still working great after 20 years. The key we found was ...
by btenny
Tue Feb 14, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Question on car leases
Replies: 12
Views: 767

Re: Question on car leases

Are you sure there are no fees to buy out the "lease" when it comes time? These great deals sometimes have buried fees and gotchas. This happened to me on a furniture discount purchase deal back when. I bet there are others.

Good Luck.
by btenny
Tue Feb 14, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Question on car leases
Replies: 12
Views: 767

Re: Question on car leases

Car leases are usually with some bank like B of A and created jointly with some car manufacturer. The dealer does the paperwork. The lease deal is with the bank like any other loan. The lease paperwork spells out exactly the residual cost of $XX at lease end. You have to pay that amount to the bank ...
by btenny
Mon Feb 13, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2453

Re: Napa/Sonoma Recommendations

Napa and Sonoma are both still really fun and nice and offer great wine but only if you go in the off seasons. I agree that going wine tasting in the high summer season can be difficult. Success brings crowds and costs go up. But there are just so many more great wineries in northern California than...
by btenny
Mon Feb 13, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: UTMA transfer
Replies: 11
Views: 399

Re: UTMA transfer

I think your plan is fine. The key is the tuition you pay in cash should be more than the cost of the shares you transfer. And the two transactions should be close in time. I also assume this plan is OK with the Grand Parents. It not you need to discuss what they had in mind for the money. Good Luck.
by btenny
Sat Feb 11, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Two in One Year
Replies: 11
Views: 493

Re: RMD Two in One Year

I am in the same boat. I turn 70 in the 4th quarter this year. I read that I have to take my first RMD in 2018 but I can wait until 2019. BUT if i wait until 2019 I also have to take my second RMD in 2019 as well. So two RMDs in one year if I wait. Plus I will pay bigger taxes if I wait. I also read...
by btenny
Sat Feb 11, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4626

Re: Which luxury auto brand depreciates the most?

THY. Is your MKZ caught in the passenger side airbag recall? I ask because I have a 2006 Zephr (same as MKZ). It is caught in the airbag recall stuff with the passenger side airbag needing replacement. It has been under recall for a year now. The dealers have no idea when new airbag parts will be av...
by btenny
Sat Feb 11, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4626

Re: Which luxury auto brand depreciates the most?

Yes Spirit you are right about manual transmissions being low cost used cars. My sister in law likes manuals. She also likes BMWs. She is now driving a 8 (?) year old 331i 6 speed manual with 30K miles on it. Her husband bought it two years ago with 25K miles for $20K or so. A real bargain. This is ...
by btenny
Sat Feb 11, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 1833

Re: iPhone SE 16GB - is memory adequate?

CHW. You may be surprised how fast your wife learns to use the new capabilities of a good smart phone. These gals like these phones and really use them. They discover apps you and I never heard of. They install them. They love music. Photos. Recipes. Training routines. Dance stuff. Kid stuff. Grand ...
by btenny
Sat Feb 11, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Boats
Replies: 36
Views: 3056

Re: Boats

DO NOT BUY A BOAT THAT LEAKS. Never take out the plug unless you are doing repairs. Leaks are just a bad recipe for things to go wrong. If the bilge pump needs to run then you need to find and fix the leak. If any boat needs to have the drain plug pulled each time it is out of the water to drain it ...
by btenny
Sat Feb 11, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on setting up first Investment account
Replies: 14
Views: 456

Re: Need advice on setting up first Investment account

You need to ask the UN or somebody at your work to see if you are eligible to invest in a IRA or Roth IRA because of the pension they offer. Some of the pension plans limit other investment options you can use under US tax laws. So I do not know what you can invest in tax free. Do this ASAP. You and...
by btenny
Sat Feb 11, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 228
Views: 14317

Re: Why do you go to restaurants?

My wife and I go out to lunch or dinner often now that we are retired and have time and money. She does not have to cook and I do not have to clean that way. Plus we can get food that is good and mostly different than home cooked. Like last night. We went to a local place for their Friday evening sp...
by btenny
Sat Feb 11, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: 69 year old getting nervous
Replies: 12
Views: 4265

Re: 69 year old getting nervous

I also suggest you maybe change much of your taxable bond investments to Vanguard Muni Funds. I like VWIUX, Intermediate Term Muni. It pays 2.9% and is federal tax exempt so that is 3.8% effective rate . You did not talk about your tax brackets or stuff like that. But I suspect you are paying 25% or...
by btenny
Sat Feb 11, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: 69 year old getting nervous
Replies: 12
Views: 4265

Re: 69 year old getting nervous

Based on what you said above I calculate your overall asset allocation at about 50/50. Is this correct? I think you have done marvelous so far. Taking a 4% from your assets seems fine at this point so I would not slow down your withdrawals at this time. Live a little. You have earned it. Keep up the...
by btenny
Sat Feb 11, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on setting up first Investment account
Replies: 14
Views: 456

Re: Need advice on setting up first Investment account

Please tell us if you or your wife have a 401K or IRA at work? Did you ever have a Roth IRA or similar things at any of your previous jobs? If so please describe how much you contribute and how much your employer contributes or if nothing tell us that to.

Good Luck.
by btenny
Fri Feb 10, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Newer SUV, high milage vs older SUV with low milage
Replies: 8
Views: 702

Re: Newer SUV, high milage vs older SUV with low milage

Are you really ready for the BIG MB repairs and maintenance bills. Or is this a done deal as far as brand and your wife is sure this is the only car she will accept? This not what you ask but are you sure? Because if not I would look at used Acura MDXs or the Lexus RX350s for sure. Both are much mor...
by btenny
Fri Feb 10, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: 2 Days in Nashville - What to see
Replies: 16
Views: 966

Re: 2 Days in Nashville - What to see

If you are a country music fan go down to Broadway by the river and just walk down the street and listen to the music. The sound is fantastic. There are so many choices and they are mostly all good. There are maybe 100 different bars and music venues in that 4-5 block area with live music all day lo...
by btenny
Fri Feb 10, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 1833

Re: iPhone SE 16GB - is memory adequate?

No 16GB it is not enough memory for an Iphone. Get the 64GB model as a minimum. My wife has the 64Gb Iphone 6 Plus version and she is running out of space. She is looking for an external drive to hold her music and picture collection so she has room enough for more APPs. She does not want her person...
by btenny
Fri Feb 10, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Extended Globus Europe Tour - Thoughts?
Replies: 13
Views: 968

Re: Extended Globus Europe Tour - Thoughts?

I wanted to talk some more about the great Globus tour my family and I took back when. Did I say it was wonderful enough? I am grateful to this day for that great trip. Please read this list of Tour 101 Facts from the Globus website. It is so spot on and true about how easy touring with Globus is ve...
by btenny
Fri Feb 10, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Extended Globus Europe Tour - Thoughts?
Replies: 13
Views: 968

Re: Extended Globus Europe Tour - Thoughts?

I traveled with Globus in 1995 with my wife and two teenage kids. We went to 10 countries in 17ish days. Wife says 18-20 days. I do not remember exactly. I do know that when we got back to London at the end of the trip I wanted off the bus. But we all had a wonderful time and still talk about things...
by btenny
Fri Feb 10, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Payment Method for Private Used Car Sale
Replies: 43
Views: 2371

Re: Payment Method for Private Used Car Sale

Tell the buyer to meet you at your bank and bring cash to make the purchase. Do the transaction in the bank lobby. Go there before your meeting with the buyer and get the title out of your safe deposit box. Sign the title in front of the buyer and give the title to the buyer and take the cash for th...
by btenny
Fri Feb 10, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 5924

Re: Terrible negotiation - need help with words to use

Did you get quotes from several dealers for with car you are looking at? Do you have a quote from another dealer? What is that price? Maybe not the color you want but mostly the car you want? If so post these price quotes and let us help you work the issues.

Good Luck.
by btenny
Thu Feb 09, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 8643

Re: Saved too much? What do you splurge on?

Take your kids and grand kids on a big trip each year in a big group. Some of my friends do this by taking everyone to Maui every year. They bought a time share years ago and started going for a week vacation every year. Then they started taking one kid and then two kids and then everyone. Then they...
by btenny
Thu Feb 09, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Boats
Replies: 36
Views: 3056

Re: Boats

Do NOT buy a 2 stroke engine. They are totally banned on many lakes out west and other places. Yes you might find them cheaper but they may be unusable in a few years. Beside the four strokes are usually quieter. I suggest you add a small "kicker" motor to your regular boat to make it good...
by btenny
Wed Feb 08, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Boats
Replies: 36
Views: 3056

Re: Boats

The pontoon boats get passengers wet if there are any waves at all. They are great on flat water or slight chop and good for lots of people. So they would work great for your family and the kids to fish and hang out on. And if you get one with a big motor you can tow tubers and wake boarders so your...
by btenny
Wed Feb 08, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Boats
Replies: 36
Views: 3056

Re: Boats

Maybe a pontoon with a 200hp motor and swivel chairs in front for fishing and a kicker for trolling and a big bar in back to tow a skier or tubber. A couple we used to know had one of these. It was nice on no/low wind days where the water was sorta smooth. But it was poor on big wave days on Tahoe.....
by btenny
Wed Feb 08, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2453

Re: Napa/Sonoma Recommendations

Well about Sterling. Did you people really go to the same winery I did ? Have you read some of the reviews on Yelp? Yes the views from the top are nice but everything else was terrible. I hated the place and the wine and the whole experience. I felt totally cheated after going there. First they char...
by btenny
Wed Feb 08, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5285

Re: Hardwood floors vs Wood Look Tile?

Floors need to be smooth to clean easily. Many times these fancy new wood look tiles and vinyl floors are "textured" so they collect dirt in the floor groves. This makes them tough to clean. So what ever you buy make sure it is smooth. This is why wood floors are so nice when new. They are...
by btenny
Wed Feb 08, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 40
Views: 3518

Re: Rule of Thumb for Getting Rid of Car

German cars tend to get old fast in wet climates. VWs are the worst but BMWs and other German makes are similar. The rubber parts just wear out as they age independent of car mileage. Age just kills them. So antennas and wipers and window seals etc. die as the car ages. Yours seems like it is in tha...
by btenny
Tue Feb 07, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2453

Re: Napa/Sonoma Recommendations

I suggest you break your trip into 3 smaller trips. Wine tours for one day in Sonoma, one day in Napa and one day on the Silverado Trail. And then a final day trip to sample Sparkling Wine and Champagne for the last day. This is a lot of wine tasting all stacked in a row. Most people burn out at 2-3...
by btenny
Tue Feb 07, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5285

Re: Hardwood floors vs Wood Look Tile?

I just put in regular porcelain ceramic tile in my house in Arizona. It is bullet proof and looks great. It is cool to the touch which is important in Arizona. We went with big 20 inch tiles and ultra small grout lines. It looks fantastic. It was low cost. It is simple to maintain and clean. We did ...
by btenny
Tue Feb 07, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2453

Re: Napa/Sonoma Recommendations

Late summer or early fall is the best time to visit the wineries. The weather is fantastic. But it is also the busiest. The wine people are all out in the fields picking grapes and making wine. From about August 15 to October 15 they are just doing lots of stuff. If you can afford it, arrange to vis...
by btenny
Tue Feb 07, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Insights for Long Distance Grandparents
Replies: 23
Views: 1263

Re: Insights for Long Distance Grandparents

Forget the camera. Go with phones for your kids and use Facetime/Hangout/Skype for video calls. Buy them a good phone with good cameras to use if they do not have high end phones. Encourage Facebook chat and pictures. Then call as often as they have time. You should travel to your kids and stay with...
by btenny
Tue Feb 07, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Making infrequent estimated tax payments - recommendations?
Replies: 8
Views: 291

Re: Making infrequent estimated tax payments - recommendations?

I have taxes deducted from my pension and my Social Security to about what I owe each year. I had to increase those deductions as my income increased when I started my SS versus my wife's SS. But a few times since I retired I have had to pay at year end. I do estimated taxes like you using Turbo tax...
by btenny
Tue Feb 07, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2689

Re: College kids driving cars (to live off campus)

If your son is a freshman I suggest you limit him driving to summers for now and let him use or borrow your car occasionally. He needs to learn the school and how to study enough and manage his time for now. Yes a car would be nice and fun and easy to get around. But very expensive. Plus if he has a...
by btenny
Mon Feb 06, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Too good to be true? [Bogleheads' model of index investing]
Replies: 48
Views: 5599

Re: Too good to be true?

The vast majority of people do not believe that a Index fund will beat a active fund run by a smart stock picker. They want the active fund and are convinced that the high expense ratios give them a good performance deal. They think "index funds are too good to be true". Many of them also ...
by btenny
Mon Feb 06, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: What direction to go in?
Replies: 6
Views: 804

Re: What direction to go in?

Welcome to Bogleheads. It looks like you have your finances in control and are doing fine. I suggest you add the $450 a month you are saving to your emergency fund for year or so to get that account up to $25K or so. That way you can have a bad situation at your job or some other unknown for 6 month...
by btenny
Mon Feb 06, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Attending Banff Mountain Film Festival
Replies: 37
Views: 2349

Re: Attending Banff Mountain Film Festival

Free TV and videos. See below. You can get your outdoor video fix every day. Tahoe has a local TV station that does full time local broadcasting. Their outdoor segments are fun with skiing and biking and other cool stuff. Enjoy. http://www.laketahoetelevision.net/ http://www.laketahoetelevision.net/...

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