Search found 4006 matches

by btenny
Wed Sep 20, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade pain coming...
Replies: 14
Views: 1787

Re: Scottrade pain coming...

Not true. I can still buy most Admiral shares of Vanguand funds at Wells Fargo. I did this exact test last year when I rebalanced. I purchased Wellesley Admiral at Wells but could not at Scotrade. Oh and I suspect the reason this is Ok at Wells is because they do some back office stuff for Vanguard....
by btenny
Wed Sep 20, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 14
Views: 367

Re: Oil - Price & Supply/Demand Conundrum

The world runs on oil via planes, trains and ships. That is not going to change in the next 20 years so oil demand will not go down. Yes we may do more electric cars and heating and electric generation other ways. But natural gas will be a big part of that as well. So I see total demand for oil prod...
by btenny
Wed Sep 20, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: online security questions and some comments
Replies: 14
Views: 784

Re: online security questions and some comments

Where and how do you get 2fa on your email?
by btenny
Wed Sep 20, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: online security questions and some comments
Replies: 14
Views: 784

Re: online security questions and some comments

Was at the SF Giants game Sunday and watched a guy running a cell phone cloner through the big crowds. It was totally obvious he was using a tablet to scan. When we all pointed at him he walked away but he had been walking by 500 people so he was full anyway. So getting your phone cloned and the num...
by btenny
Wed Sep 20, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Scottrade pain coming...
Replies: 14
Views: 1787

Re: Scottrade pain coming...

I am a long time Scottrade holder. They seem to be going downhill fast to me. No longer can I buy many vanguard admiral funds. Still pay nothing on cash and no way to buy money market funds. Now they have put two factor security on hold until ?...
by btenny
Tue Sep 19, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 25
Views: 1360

Re: Convertible in Florida or not...

Buy a Lexus convertible and get the best of both worlds. Lexus makes two convertible types, a two passenger SC model and a four passenger IS model. See below for the link to the used versions. The slick thing about the Lexus convertibles is they are a hardtop and a convertible. So the hardtop opens ...
by btenny
Mon Sep 18, 2017 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 64
Views: 4532

Re: Getting over emotional attachment to house

I did almost exactly what you propose in 1998 to 2001. I retired early in late 1998 and needed to sell our big house and land to fund the early thing or go back to work. Last kid was off to college in 99 so empty nest. Both kids were raised there so we were attached. But house was big (3k feet) and ...
by btenny
Fri Sep 15, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6668

Re: Account security - Hackers gain access to mobile and then break havoc

Yes I see they might charge stuff to Amazon and ebay and maybe some other web site stuff that they find from my email history. But even those require social engineering and phone calls to reset the passwords. So it is not easy and the $$ risk is not that large IMO. I see this Equifax data loss as ea...
by btenny
Fri Sep 15, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: 2017-18 Outback MPG
Replies: 19
Views: 962

Re: 2017-18 Outback MPG

I have a 2013 Outback with the 3.6R and a real 5 speed transmission. Mine is sort of fun as it is fast and zippy around town and out on the highway. It gets 21-22 MPG in town and 26-28 MPG on the highway. But when I drove the 2016/17 Outback with 2.5i engine and the CVT it had poor acceleration and ...
by btenny
Fri Sep 15, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6668

Re: Account security - Hackers gain access to mobile and then break havoc

Please explain to me how this stealing of my phone number and my email account leads to a Id theft of my bank accounts or investment accounts? Just because they can receive my calls and my email does not give them the account user ids or account passwords at my bank or brokerage. So they can call th...
by btenny
Thu Sep 14, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2706

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

Yes pools and spas are expensive . I spend $50 to $80 per month for my spa at my other place. It is heated with electric. If I turn it to 103 degrees in the winter the bill goes up to $100 or so. I bet much of your power use is for your spa. Try turning it down for a month to 80 for part of the summ...
by btenny
Thu Sep 14, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2706

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

I am caught in that APS rate mess where they want to force everyone to go to time of day power rates. I figure it will cost me maybe double as my summer bills are $50 as we turn up the temp to 85ish. But I have no way to stop my two AC-units from running at the same time or in peak periods. So I exp...
by btenny
Thu Sep 14, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2706

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

I am caught in that APS rate mess where they want to force everyone to go to time of day power rates. I figure it will cost me maybe double as my summer bills are $50 as we turn up the temp to 85ish. But I have no way to stop my two AC-units from running at the same time or in peak periods. So I exp...
by btenny
Thu Sep 14, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2706

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

We pay $100 -$150 in the winter for 2140 Sq ft in Phoenix with electric heat. We leave for the summer so I have no data for that. We paid $230 this past June for electric for may.
Good Luck.
by btenny
Thu Sep 14, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 3563

Re: The true cost of Luxury

$1000 apple iPhone 10
by btenny
Wed Sep 13, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Nature of fraud (or, what I was afraid of)
Replies: 8
Views: 1660

Re: Nature of fraud (or, what I was afraid of)

Yes I know my Id can still be hacked and used for things and cause me a lot of grief. But I do not see any way out of this situation currently. The data is just out there and the crooks can get it so I am at risk. I guess this is just a part of modern living. So I am not going to set around worrying...
by btenny
Wed Sep 13, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: New or used Lexus ES300h?
Replies: 25
Views: 2141

Re: New or used Lexus ES300h?

Spectec. I thought the ES300 was supposed to get 40 MPG. You said yours is only getting 32 MPG. That seems pretty poor for a hybrid in summer driving. Any reason you are getting so low a number?

Good Luck...
by btenny
Tue Sep 12, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Late starters trying to reduce skew between taxable & tax deferred
Replies: 21
Views: 2470

Re: Late starters trying to reduce skew between taxable & tax deferred

Many high paid employees ask their boss or company to let them become to "contract workers ". This makes them independent and paid differently per the IRS rules. You lose some benefits but gain others. Plus you can make huge tax free retirement investments. So there are trade offs. See White Coat In...
by btenny
Tue Sep 12, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2628

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

I also wanted to note that my FIL had total 100% supplemental insurance coverage above medicare. So taking care of his medical bills was a breeze even though he was in and out of the hospital 2-3 times in the last few months. Medicare paid part and the insurance company paid the rest. So NO extra bi...
by btenny
Tue Sep 12, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2628

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

When my wife and I went through this back when with my FIL we found making my wife a co-signer on his stuff was the best solution. She was on his checking account and his safe deposit box. He did his own taxes and messed them up several years but she was sort of helping so she was aware. So she had ...
by btenny
Tue Sep 12, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Nature of fraud (or, what I was afraid of)
Replies: 8
Views: 1660

Re: Nature of fraud (or, what I was afraid of)

In my experience doctors offices now take a picture of me when I go there if I am a new patient. They require me to show them other ID like a drivers license and then they compare the pictures. They repeat this check sometimes when I go back after a long time lapse. They did the same thing when I we...
by btenny
Mon Sep 11, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 75 year old
Replies: 4
Views: 891

Re: Advice for 75 year old

At your age and with that much in assets you do not need to take a lot of risk. I suggest you reduce your IRA asset allocation to 35% US stocks and convert that money to Total Bonds. Then I suggest you buy 25% more US stocks for 35% total in your taxable account and 40% Tax free bonds for 50% total ...
by btenny
Sat Sep 09, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1784

Re: Two Factor Authentication and One Time Passwords

I had a RSA token back when for work. I was always leaving it in the office. So when I needed to do a transaction or set up a secure link remotely I did not have the token. And then there was the difficulty of setting up a link. It did not work very easy. It was generally a PIA. So I am wondering ho...
by btenny
Fri Sep 08, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 609
Views: 34455

Re: Equifax says info stolen. What's my best course of action?

I ask this question two years ago when I had my data stolen in another breach. The bank said they ask extra questions about recent bank transactions and credit card transactions. So I had to go look up what I charged recently and what I thought my bank balance was. Then after I told them this data t...
by btenny
Fri Sep 08, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 609
Views: 34455

Re: Equifax says info stolen. What's my best course of action?

I am worried about this stuff but don't see any significant or change in risk to my $$ accounts. Please tell me if I am wrong. All my on line account use special user names and passwords that are different than my SSN number and my name. So how can the Equifax thieves use the data they got to hack m...
by btenny
Thu Sep 07, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Company Sold, Now does this make sense?
Replies: 13
Views: 2061

Re: Company Sold, Now does this make sense?

Welcome to Bogleheads. I guess you are thinking these portfolios will provide you income over a LONG retirement. Correct? If so can you give us a guess what your needs will be for income (short term and long term) from these portfolios? Why so large a tilt (70/30) to stocks? At your age and planning...
by btenny
Thu Sep 07, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2277

Re: Wine in laptop

I did some more thinking about this situation and need some more information. Does anyone know how the "tablet mode" works in these 2-1 laptops? I suspect that the "switch" in the laptop that tells the machine it is folded is shorting out sometimes (due to the wine) and telling the machine it is in ...
by btenny
Wed Sep 06, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2277

Re: Wine in laptop

Yes Hyper my wife and I both are going to Best Buy and Costco next week to look at tablets for general surfing, etc. This may help reduce our dependence on the laptops so much. But I am not sure keeping more electronics up to date and having another device is the cure. We shall see. I know in my cas...
by btenny
Wed Sep 06, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 61
Views: 5051

Re: To take or not to take delivery of Tesla 3

This is really funny. The "the great $35K Tesla car is really $60K". Plus this is really a small economy car and not plush. I will be amazed to see how many orders stay on the books. This is the ultimate bate and switch. Sort of like the crazy IPhone prices. And then there are all the unknowns like ...
by btenny
Wed Sep 06, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: NYT > Under ‘Observation,’ Some Hospital Patients Face Big Bills
Replies: 23
Views: 2658

Re: NYT > Under ‘Observation,’ Some Hospital Patients Face Big Bills

I am not sure there is anything you can do about this stuff. The hospitals and insurance companies and Medicare go round and round and do what is in each groups best interest. We are just pawns and are obliged to pay the bills that result. Same for the "procedures" they charge us for and the prices ...
by btenny
Wed Sep 06, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Ideas to use a large flat space in yard
Replies: 26
Views: 2685

Re: Ideas to use a large flat space in yard

I love water features of all types. A pond or small stream and pool or a fish pond would add lots of character and look great. All kinds of people here in Tahoe have them as do my neighbors in Arizona. See below for some examples. The key is you already have the slope so you just add some plastic an...
by btenny
Wed Sep 06, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2277

Re: Wine in laptop

Well not good news on the repair front. There are NO HP walk in service centers anywhere on the west coast. None in San Francisco or Sacramento even though HP has all their offices here. I have to take the laptop to a third party seller like Best Buy or Staples who then pack up the laptop and ship i...
by btenny
Wed Sep 06, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2277

Re: Wine in laptop

Also thanks for the suggestion on looking for factory replacement parts on EBay. I found a link to "memory4less" on there. They show a HP SPectre 13 inch replacement keyboard for $128. So I guess there are parts out there to buy and try to fix the laptop. Oh and I agree with you Lack the connector o...
by btenny
Wed Sep 06, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2277

Re: Wine in laptop

Thanks for all the info everyone. It has been really helpful. I am surprised how many of you have had similar issues. I just watched that YouTube video on replacing the keyboard. HP has made it really really hard. Basically you have to take the whole laptop apart and remove every connector and there...
by btenny
Tue Sep 05, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2277

Wine in laptop

My wife spilled some wine on her laptop keyboard near the upper left corner. She did not tell me for 2 days. During that time she cleaned out the keyboard with a towel and then used canned air to blow out any left over moisture. She also started and rebooted the laptop several times. Most times the ...
by btenny
Mon Sep 04, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3331

Re: Wanting a Portable Auto GPS

My Motorola phone cost $150 total. It is a very good smart phone with similar features to the IPhone but way less $$. I spend about $30 a month for phone service on my wife's plan. She spends $45 as the primary account holder. I agree I do not have to have a portable smart phone but it sure is conve...
by btenny
Mon Sep 04, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3331

Re: Wanting a Portable Auto GPS

We use our phones in our car for maps and directions. They work better than a car or stand alone GPS and you can look up stuff and automatically get directions or phones numbers and link them. I have a Moto phone and use Google maps and my wife has a Iphone and uses Waze. I also have a 6 year old Ga...
by btenny
Mon Sep 04, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Service organizations/Dinner clubs?
Replies: 10
Views: 927

Re: Service organizations/Dinner clubs?

Mason's do lots of good works and offer brotherhood too many. The Commonwealth Club in San Francisco has great programs on current events. You might look into one of these.

Good luck.
by btenny
Sun Sep 03, 2017 2:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: There are many roads to ... Baile Átha Cliath? [Dublin...]
Replies: 3
Views: 508

Re: There are many roads to ... Baile Átha Cliath? [Dublin...]

I have two friends who are 8 digit rich and both did real estate. No stocks. So not Bogleheads at all but well off so they did a different road. I did stocks and real estate and some pensions. So a different road. There are many ways to earn financial independence.

Good Luck.
by btenny
Sat Sep 02, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Primary residence and capital gains
Replies: 11
Views: 936

Re: Primary residence and capital gains

If you subtract all your improvements and then put the rest in your taxes you will be fine. Your net gains will be only $150k or less so maybe $10k taxes. Not bad IMO.

The real challenge will be to buy a retirement house at moderate cost.

Good Luck
by btenny
Fri Sep 01, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Satellite Phone with data plan
Replies: 4
Views: 357

Re: Satellite Phone with data plan

Here is a link to Irridium phones that will do SMS text messages and voice calls to almost anywhere on the planet. No email.

http://www.satphonestore.com/airtime/ir ... rtime.html

Good Luck.
by btenny
Thu Aug 31, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Golf course recommendations in Phoenix area
Replies: 10
Views: 732

Re: Golf course recommendations in Phoenix area

Stone Creek, Troon, Papago, orange tree. Tee off at 6-7 AM.
Good luck.
by btenny
Tue Aug 29, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 36
Views: 1803

Re: ICE, hybrid, Phev, electric for short trips

A used Nissan Leaf would be ideal for you. Gets good effective mpg with ok range for your needs and cheap to buy.
Good Luck.
by btenny
Sat Aug 26, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Computer Backup Software With Accompanying External Drive
Replies: 10
Views: 773

Re: Computer Backup Software With Accompanying External Drive

Windows 10 has a built in backup program and it works fine with a external hard drive.
Good luck
by btenny
Fri Aug 25, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 45
Views: 3544

Re: Soliciting personal recommendations for a Barcelona trip

Safety on vacation is a funny thing. I live in Tahoe and about 4-6 times a summer a tourist drowns while having fun. Yep it makes the local news but it is routine. Sad but true. It just happens every summer. The lake is big and cold and pretty and clear but the people refuse to wear life vests. So t...
by btenny
Fri Aug 25, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 45
Views: 3544

Re: Soliciting personal recommendations for a Barcelona trip

This discussion is great information. I was going to post question about this stuff. Sorry if I am diverting the conversation. We are going to Barcelona in late November. How is the weather that time of year. I know it will be cool but will it be that wet? How about stuff being closed for the "seaso...
by btenny
Thu Aug 24, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car in Spain
Replies: 14
Views: 630

Re: Rental car in Spain

Why not trains and taxis and no car? That is my plan for 4 days in November.
by btenny
Thu Aug 24, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 6668

Re: Retirement anxiety- emotionally and financially

I retired at 52 with less than you have 18 years ago. It worked out fine. So I am sure you have enough $$. But are you really emotionally ready to stop working? So the only question you need to answer is if you want to stick around your work for the new owner to help them. They will want your help b...
by btenny
Wed Aug 23, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Used True SUV recommendations
Replies: 17
Views: 1452

Re: Used True SUV recommendations

I don't know much about the Pathfinder. No one out here has one and I don't see them driving around Tahoe. I know I tried out the new Pathfinder back in 2013 when I got my Subaru Outback and did not like it at all. It was way under powered and pretty basic. I liked the Highlander a lot better. And I...
by btenny
Tue Aug 22, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Overextended in Bay Area housing?
Replies: 37
Views: 3760

Re: Overextended in Bay Area housing?

I think you are OK and doing great. Those big expenses are just the reality of living in a HCOL area. Yes you are not paying off those school loan that fast but I hope the interest rate is low. Likewise I hope you are getting retirement pensions above your $11K income correct? As far as having a sec...