Search found 2977 matches

by btenny
Mon Aug 22, 2016 8:24 pm
Forum: Personal Consumer Issues
Topic: Honeymoon - Alaska or Greece
Replies: 22
Views: 1488

Re: Honeymoon - Alaska or Greece

Neither. I suggest Hawaii. Warm, fun great beaches. Easy.
Good luck
by btenny
Sat Aug 20, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 108
Views: 6238

Re: Favorite Restaurant Stop on Road Trips

Boy you people travel different than we do. We do some fast food but not much. We see road trips as our vacations so we "dine out". My wife gets a complete break from cooking and we like to find and try out good places in towns across the US. We stay in nice hotels but not luxury places an...
by btenny
Sat Aug 20, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 92
Views: 4695

Re: What is your system for dealing with coins?

What do you guys do with your foreign coins? I have a bunch from several countries when I traveled there before the Euro. Plus I just got a bunch more pound and two pound coins and various other coins from England. The local US banks will not change coins. Any suggestions?
by btenny
Sat Aug 20, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 92
Views: 4695

Re: What is your system for dealing with coins?

I carry a few coins most days so I can pay in exact change for small purchases. But many times I also end up with a lot of coins in my pocket from paying cash for stuff. So I put my left over coins in a big metal can I keep on my dresser. I put money in this many days. But sometimes I take out 30-40...
by btenny
Thu Aug 18, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund Admiral Shares
Replies: 9
Views: 852

Re: Vanguard Health Care Fund Admiral Shares

I bought a lot of it back when in my IRA. It has had a great run. Almost 400% returns in 10 years or so. But now I expect some sort of regulatory changes that will dramatically reduce the profits in the drug business. So I sold 75% of my holdings. We will see if that was a good decision. Good Luck.
by btenny
Mon Aug 15, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: real estate housing question/dilema
Replies: 13
Views: 1202

Re: real estate housing question/dilema

For your kids comfort I would suggest you stay in the house at least another year or more. Your kids get a lot of good feelings from staying put in their existing rooms and existing setups while you and your wife are splitting up. They are dealing with a lot of issues beyond their control and need s...
by btenny
Wed Aug 10, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Better to sell house ~ every 15 years?
Replies: 40
Views: 4886

Re: Better to sell house ~ every 15 years?

Yes houses cost money to maintain and lots of stuff just wears out around 15-20 years. Most people budget 2% or so per year for this stuff. So maybe $5K per year or $75K over 15 years. So maybe your list is about right. But quality and material selection and good installation is very important. I se...
by btenny
Wed Aug 10, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: How dangerous is Kids Gymnastics?
Replies: 38
Views: 2743

Re: How dangerous is Kids Gymnastics?

Snow skiing around here is what the kids do and that is very dangerous at the high levels. Think kids racing down steep icy mountains at 60 MPH. So yes kids sport that can be very tough. http://www.huffingtonpost.com/dr-jim-taylor/alpine-skiing_b_2624981.html Hope your boy is OK and heals well. Good...
by btenny
Tue Aug 09, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Medigap Insurance
Replies: 14
Views: 1307

Re: Medigap Insurance

I am on the computer now instead of the phone so easier typing. I have had Medicare High Deductible Part F for 4 years now. I pay about $480 per year for F-HD. I am saving about $1200 per year versus regular Plan F. It has worked great for me. I had low medical bills for three years and paid maybe $...
by btenny
Tue Aug 09, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Medigap Insurance
Replies: 14
Views: 1307

Re: Medigap Insurance

I have had F-HD. for 4 years. Had big bill last year. Everything worked fine. Very happy so far
Saved some $$.
by btenny
Mon Aug 08, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: Mounting on Cinder Block
Replies: 15
Views: 1322

Re: Mounting on Cinder Block

Mine are black plastic and glued to stucco. They are 16 years old
by btenny
Mon Aug 08, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 70
Views: 6143

Re: new potential tenants negotiating on rent

I am an old guy who rents. I absolutely negotiate rent and have several times. I am a good tenant. I pay the rent on time or early every month. I rent long term. I am a clean nut according to my friends and kids. I repair easy things for free. I keep the property in better shape than most owners. So...
by btenny
Mon Aug 08, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Swimming pool repair, cleaning issues
Replies: 25
Views: 1592

Re: Swimming pool repair, cleaning issues

I agree with the pool guy above. I think you need a new pool repair guy and helper. The current guy you have is not fixing things correctly nor helping you keep your pool clean and balanced. When he fixed the filter leak back when he should have also done a chemical test and filter test and told you...
by btenny
Sun Aug 07, 2016 8:40 pm
Forum: Personal Consumer Issues
Topic: Experience Living in an Old House?
Replies: 42
Views: 3433

Re: Experience Living in an Old House?

Very bad idea
Do you have huge cash for a museum piece? Can you say 25 different window sizes. High insurance. Can't fix without approvals.
Find a newer house say 40 years or less.
by btenny
Fri Aug 05, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: Family Europe Trip
Replies: 31
Views: 1988

Re: Family Europe Trip

I got some more time and wanted to tell you more about the Globus tour. It is a bus tour but is set up really really nice. They make 100% of the ground reservations for the entire Europe tour and do all the planning and arrangements. You just show up in London after your US flight and check in at th...
by btenny
Fri Aug 05, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Family Europe Trip
Replies: 31
Views: 1988

Re: Family Europe Trip

I recommend taking your teenagers and your family on a Europe wide tour with Globus. I did this with my family in the 1990s and it was wonderful and fun. We flew round trip from the western US to London to pick up the tour. We saw London, Paris, Rome, Venice, Nice, Geneva, Amsterdam, Lichtenstein an...
by btenny
Wed Aug 03, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Any Bogelheads Invest In Real Estate Notes?
Replies: 3
Views: 441

Re: Any Bogelheads Invest In Real Estate Notes?

Do you mean 2nd mortgages? If so a friend got taken for $100k and lost everything.
by btenny
Mon Aug 01, 2016 10:31 pm
Forum: Personal Consumer Issues
Topic: Changing mesh screen of patio sliding door
Replies: 8
Views: 782

Re: Changing mesh screen of patio sliding door

Local True Value hardware store. Ask them
by btenny
Mon Aug 01, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 43
Views: 3356

Re: Living in various places 4 months out of the year.

San Diego is just the opposite. Lots of places to rent in the winter when it is cooler and rainy a lot and the beach is cold. So you can get places for 8-9 months at the same price for a month as you might spend for a week in July. I suspect Spain might be similar. Cheap in the winter. I know that p...
by btenny
Mon Aug 01, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical Engineering OR Computer Science?
Replies: 52
Views: 2932

Re: Electrical Engineering OR Computer Science?

Well today I think it really matters if you want to do software you better have a BSCS. No longer can any BSEE person just get the good software jobs. Maybe 20 years ago those good software jobs went to any old BSEE person who could code but not any more. Back when there were just not enough BSCS pe...
by btenny
Mon Aug 01, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 43
Views: 3356

Re: Living in various places 4 months out of the year.

I started out like you. Now I have two houses now, one in Arizona and one in Tahoe. We spend part time in both. I retired in Arizona and wanted to ski for the winter. I rented a condo in Tahoe fully furnished and equipped. It had everything. It worked great. I stayed for about 6 months. I then went ...
by btenny
Mon Aug 01, 2016 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical Engineering OR Computer Science?
Replies: 52
Views: 2932

Re: Electrical Engineering OR Computer Science?

A BSEE degree with a specialization in Semiconductor design and related areas is heavy in Physics and Math which your son seems to like. It is a highly sought after degree with tons of potential all over the world. It is a hard degree to get with lots of study. Lots of very smart people work in this...
by btenny
Mon Aug 01, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6604

Re: Should I flip my neighbor's house to save the neighborhood?

Do you have the $$$ cash to do the purchase and the remodel? Are you going to finance or mortgage the property? How much money do you have in cash to do the remodeling above the down payment? I would guess it will take at last $100K for all the work and repairs you describe? The "flipping"...
by btenny
Mon Aug 01, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with excise tax on new cars?
Replies: 13
Views: 610

Re: Anyone familiar with excise tax on new cars?

Also when you lease a car there is 6% or so sales tax on the car value "bought" each month rather than the taxing the whole amount when you first lease the car. So that is why you pay a tax each month on top of your lease payment. In the lease case the car is not sold, it is leased and the...
by btenny
Mon Aug 01, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with excise tax on new cars?
Replies: 13
Views: 610

Re: Anyone familiar with excise tax on new cars?

There is sales tax on cars when they are bought regardless of age in California. That figure is around 6% of the purchase price. So the sales tax when purchasing a new $30K car would be about $1800. But this is one time only tax and is only due when you buy a car. Plus there is license fee that is p...
by btenny
Mon Aug 01, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Super Saver Close to Distribution Phase and Seeks Collective Wisdom/Advice
Replies: 21
Views: 1799

Re: Super Saver Close to Distribution Phase and Seeks Collective Wisdom/Advice

I would retire NOW. Not next week. Yes you will leave money on the table. We all did. Take a 3-4 week vacation that you have never had time for before. Yes you may miss out on that bonus. But that is why they call stuff like that Golden Handcuffs. They keep you there One More Year. Life after work i...
by btenny
Mon Aug 01, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Real Estate Deal
Replies: 22
Views: 1154

Re: Advice on Real Estate Deal

Not a good idea. You live too far away to do upkeep and the update you plan. Real estate takes hands on management to do well. You have young kids too that take your time. So just say thanks and pass


Just my two cents.
by btenny
Mon Aug 01, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Roof/deck ideas?
Replies: 15
Views: 632

Re: Roof/deck ideas?

Mine is 30 years old and has never leaked. It has been redone twice most recently this summer with rubber roofing stuff called bitch-a-thane. This stuff has a thick sealer and then a rubber film. It is tough stuff. Then the carpet protects the rubber from the chair feet.

Good luck
by btenny
Mon Aug 01, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Roof/deck ideas?
Replies: 15
Views: 632

Re: Roof/deck ideas?

Mine is also slooped 4 inches down so it drains well. The deck edge stop at the end of the house so all the water runs off.
by btenny
Mon Aug 01, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Roof/deck ideas?
Replies: 15
Views: 632

Re: Roof/deck ideas?

I have. a deck like that off my kitchen. We put indoor outdoor carpet on it. It looks nice and is soft on the feet. Ours was designed as a deck so it is structured to hold the weight.
by btenny
Sun Jul 31, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Super Saver Close to Distribution Phase and Seeks Collective Wisdom/Advice
Replies: 21
Views: 1799

Re: Super Saver Close to Distribution Phase and Seeks Collective Wisdom/Advice

I would suggest you talk to your wife about retiring tomorrow. You have more than enough money but you can never get back the time. Take her on a tour of Europe or Australia and New Zealand or some place you like. Get going. Stop worrying about taxes. You and most everyone on this board is going to ...
by btenny
Sun Jul 31, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: Hazardous Tree
Replies: 7
Views: 761

Re: Hazardous Tree

I would get one of those golf range finders and measure how tall the tree is and then measure the distance to your house. Then you can be sure some part of the tree will hit your house when it falls. Then put this information into a letter to the HOA President and send it to him registered mail. Tel...
by btenny
Sun Jul 31, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 30
Views: 3820

Re: Carpeting-Costco or Home Depot?

I found Home Depot and Lowes both to have higher prices and less selection than the big wholesale dealer in Phoenix. That store is called Pro Source. A small business guy in Phoenix referred me to them. They are only open to other small dealers and their buyers. I bet there is whole sale store like ...
by btenny
Sun Jul 31, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Canopy replacement top
Replies: 6
Views: 470

Re: Canopy replacement top

Try looking at Lowes. They have replacement tops for the stuff they sell. But as I recall the prices were about what you paid for your whole canopy. Maybe they are bigger or better quality.

Good Luck.
by btenny
Sun Jul 31, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6256

Re: New Tipping Practice?

For those that have not been to England lately the no tipping practice seems to be going away. Many restaurants now have TIP jars. And the bills now include a line for a tip at most places. And a small tip is expected by some of waiters and bar helpers but not by others. It is obvious who wants a ti...
by btenny
Sat Jul 30, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Old School alarm/table clock
Replies: 15
Views: 951

Re: Old School alarm/table clock

We have one of these IPhone clock radio and docking stations. It is OK and the alarm is OK. It came on all at once. We stopped using it when Apple changed their plugs with the new connector to charge the phone. We went back to our old school plain clock radio. Se we are retired so we almost never us...
by btenny
Sat Jul 30, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Question about joint survivor for pension
Replies: 23
Views: 1436

Re: Question about joint survivor for pension

Back in 1999 I had to make this tradeoff. My pension would be cut to 50-70% if joint and taken at 55 as I recall. My wife's pension would have been cut a lot as well if she chose the 100% survivor option. We found life insurance that cost $400ish on my wife and $800ish on me. This more than covered ...
by btenny
Fri Jul 29, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What does a real estate oil bust look like
Replies: 18
Views: 1996

Re: What does a real estate oil bust look like

The bust in the 1980s caused lots of oil guys to quit the business completely. My friend in Colorado has a PhD in Geology and was doing great until the oil bust back then. He quit the business completely it got so bad. He became a ski instructor and appliance repair guy and general real estate perso...
by btenny
Fri Jul 29, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our beach house?
Replies: 11
Views: 1655

Re: Should we sell our beach house?

This is a tough decision as you know. Your kids will soon be an age where they will love the beach as much as you. I bet they already like the beach, both summer and winter. You already like the kite boarding stuff and I bet you will teach your kids to do this soon. Don't you use the place at all in...
by btenny
Fri Jul 29, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1889

Re: Never owned a cell phone.

I had to get a modern cell phone so my kids could text me. I always carried a plain flip cell phone for voice only. Then I moved to a Blackberry Q10 with a keyboard and that got me hooked. Now I have Moto G with a touch keyboard and 5 inch screen so the numbers are pretty big. My kids text me a lot ...
by btenny
Fri Jul 29, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1889

Re: Never owned a cell phone.

Kat. I suggest you go down to Best Buy or Walmart or similar store with one of your grandkids and try out some phones. Modern cellphones really are marvels of technology and they do wonderful things. Yes some of them are small but the newer versions available now are much better and bigger. They are...
by btenny
Fri Jul 29, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Ford Air Bag Recall
Replies: 4
Views: 429

Ford Air Bag Recall

Well I guess I am now in the air bag recall group. My Lincoln Zephyr is being recalled for a defective passenger air bag. The notice says they have no idea when replacement parts will be available. The car is 10 years old and has 82K miles on it. But it runs great and is in good shape so I have no i...
by btenny
Fri Jul 29, 2016 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is retirement a serious option for me?
Replies: 14
Views: 2048

Re: Is retirement a serious option for me?

I think you need to keep working for a few more years to get your total funds closer to $1M. $600K is not enough to support your current budget. And I think your budget will actually go up for the next few years if you are not working. You need health insurance and that costs big $$ until you start ...
by btenny
Fri Jul 29, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 5687

Re: Interview in Silicon Valley - Suit?

This has been a very interesting thread. Most everyone who is west coast told the OP to not wear a suit and to dress business casual, maybe even wear jeans. But many other people from the Midwest and East coasts said a suit was OK and showed putting your best foot forward. Does anyone else beside me...
by btenny
Wed Jul 27, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 5687

Re: Interview in Silicon Valley - Suit?

The interviewer told the OP to "wear what he feels comfortable in." The interviewer is telling him to express how he feels about clothes and how he dresses normally. See my links above. The person is telling the OP to dress like he would to come to work. That means business casual to a lev...
by btenny
Wed Jul 27, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving "on or before work anniversary" and golden handcuffs
Replies: 30
Views: 4778

Re: Leaving "on or before work anniversary" and golden handcuffs

Give them one month more. Don't quit until you have worked there N years plus one month. Then they have no arguments. You fulfilled the agreement.

Good Luck.
by btenny
Wed Jul 27, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 5687

Re: Interview in Silicon Valley - Suit?

Again I suggest business casual but tuned to your personality and the job you seek. See answers from the internet. https://www.quora.com/Do-Silicon-Valley-startups-expect-you-to-wear-a-suit-to-an-interview-or-is-this-frowned-upon http://www.marketplace.org/2014/01/28/tech/silicon-valley-has-dress-co...
by btenny
Wed Jul 27, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 5687

Re: Interview in Silicon Valley - Suit?

I have a friend who works for a takeover company owned by IBM in the Bay area. He went to work there after IBM took over. He is old but very highly educated and specialized and earns great $$$. He wore a tie and business causal to the interview when he started a few years ago. He was told after he g...
by btenny
Mon Jul 25, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 59
Views: 4945

Re: My experience with "older" used car

I own an older car now and am going through the same issues. It is a 1999 Jeep Grand Cherokee with 119K miles and I have owned it for 13 years. It has been great. Almost zero repairs and a true do everything car. But now the small stuff is starting to just "wear out" from old age. The driv...
by btenny
Mon Jul 25, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Retirement for Women(?)
Replies: 34
Views: 3371

Re: Retirement for Women(?)

The biggest budget risk for women (and men ) is loosing your spouse early in retirement and the pensions that go with the spouse. Many couples can afford to retire and live pretty well on two pensions and some small savings. Things look great for many years. Then everything falls apart when the spou...

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