Search found 2750 matches

by btenny
Tue May 03, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 132
Views: 8763

Re: Vanguard Customer Service

James SFO and others. . There are two faces at Wells Fargo for stocks and mutual funds etc.. Wells Trade - A low cost self directed on line brokerage group. You do your own trades via the internet. No advisors. All kinds of low cost funds including Vanguard Funds and etfs are available. Same feature...
by btenny
Tue May 03, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Buying a house, but sold as is?
Replies: 27
Views: 2138

Re: Buying a house, but sold as is?

Sorry Kosmo that is not how real estate sales really work in my experience. Many times real estate is sold "as is" both commercial and residential. Then the buyers get an inspection and finds issues. |The buyer wants to fix them. He finds a price for the fixes and asks for relief. The sell...
by btenny
Tue May 03, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Buying a house, but sold as is?
Replies: 27
Views: 2138

Re: Buying a house, but sold as is?

Accept his offer that he wants to sell "as is" but revise your offer to being contingent on your acceptance and final approval of a home inspection, an acceptable full walk through of the property and completed and accepted disclosure statements. Give him a time line that says you will tak...
by btenny
Tue May 03, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 50
Views: 3566

Re: WOW fantastic Cars in the Wild

Maybe the car belonged to this guy. He lives close and seems to like Ferraris.

http://luxurylaunches.com/transport/fer ... ulator.php
by btenny
Mon May 02, 2016 10:17 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 101
Views: 6499

Re: I bought the wrong car - know it after 15 days

BE REALLY CAREFUL. The other car may not be a lot better than the Acura. I did not find the Lexus SUV much better than the Acura SUV. All the newer model cars have hard small seats IMO. I've looked at tons of cars and am very frustrated. The older model cars from the 1990s and early 2000s have good ...
by btenny
Mon May 02, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 178
Views: 21050

Re: Tesla X

Good point Tomato, That air filter is the one great feature beside the electric drive that seems awesome to me. I was going to point out how nice it must be to set in downtown NYC or Chicago or LA and enjoy the nice fresh air inside the car versus the stinky city air loaded with the diesel and exhau...
by btenny
Mon May 02, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 178
Views: 21050

Re: Tesla X

Maybe most of what I did not like was the dull gray color. It was not silver. Plus the car I saw had steel gray wheels and no chrome. And that total dark pallet mated with the large glass area cabin seemed to be all off to my senses. I guess that makes me an old curmudgeon since the ones in these pi...
by btenny
Mon May 02, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 50
Views: 3566

Re: WOW fantastic Cars in the Wild

I don't know. Going for a ride in one of these exotic cars might be as good. Think about spending a day at this Las Vegas racing school and car adventure. It might be as much fun as your BMW bike. I know two of my friends have done this and both said it was a blast. And both of them (husband and wif...
by btenny
Mon May 02, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 178
Views: 21050

Re: Tesla X

Tomato What color is your Model X. I saw my first Model x yesterday in traffic. Is was a dull grey with grey wheels. It was UGLY. To me. I was startled by how bad that car looked. It is taller that the Model S and bulkier and fatter. It looked like a pregnant car trying to waddle down the road. So t...
by btenny
Mon May 02, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9406

Re: Soapbox (car safety features)

Yes Stein I would agree with the auto stop stuff and other safety stuff for teenagers. Both my kids would have really appreciated it. My daughter rear ended another kid going to school in her brothers car. It was totaled. She was lucky she did not get hurt. Her brother still razzes her about that wr...
by btenny
Mon May 02, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9406

Re: Soapbox (car safety features)

Probably the other thing no one has talked about is age effects on safety and driving ability. I know as I get older I am not as good a driver as I once was. My eyesight is not as good. My attention to detail and objects around me is not as good. I miss things. I get tired easier. And YES my wife so...
by btenny
Sun May 01, 2016 10:42 pm
Forum: Personal Consumer Issues
Topic: Any Jeep auto buyers recently
Replies: 10
Views: 1078

Re: Any Jeep auto buyers recently

I own a 1999 Jeep Grand Cherokee now and have owned two other Jeeps before in addition to my current car. I use it like a Jeep and I really like the car. I live in deep snow country in the winter and drive in the deep snow. I also do a little off road trail and dirt road driving. I tow a big 5500 po...
by btenny
Sun May 01, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Conflicted about retirement withdrawal strategy
Replies: 11
Views: 2055

Re: Conflicted about retirement withdrawal strategy

I am not sure your tax guy is the right person to consult. You need real wealth financial planner(s) and you need to spend time with this person and his/her team now before you retire. You have a lot of money and you need estate planning for the long term now. You need money account strategies now t...
by btenny
Sun May 01, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 50
Views: 3566

Re: WOW fantastic Cars in the Wild

Wildebeaste I am sure you would notice if you parked next to this Ferrari. It was bright red and had lines like a posed panther. It looked like it was going 100 MPH setting still. And then the inside was just cool. All butter looking leather seats contoured to fit with deep side bolsters and tons of...
by btenny
Sun May 01, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 50
Views: 3566

Re: WOW fantastic Cars in the Wild

Yes where I live in Phoenix is near the high rent district and lots of rich ball players and celebrities and business people live near by. Not sure that was the case with the Ferrari. It said Beverly Hills Ferrari on the Arizona license plate. It is very common to see BMWs and MB and so forth driven...
by btenny
Sun May 01, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 50
Views: 3566

Re: WOW fantastic Cars in the Wild

I probably blew it by not staying around my car and seeing who was driving. I probably missed the golden paparazzi photo shot and maybe big bucks reporting a star "slumming at Costco".....
by btenny
Sun May 01, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 50
Views: 3566

WOW fantastic Cars in the Wild

I went to Costco yesterday to shop and have lunch here in Phoenix. When I pulled into the parking lot I parked next to a very stunning car. It was a bright red Ferrari coupe right there in the regular folks parking. It was a stunning beautiful car and I gazed at it for while. All the time I was bein...
by btenny
Sun May 01, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 132
Views: 8763

Re: Vanguard Customer Service

I should also point out that customer service at Wells Fargo and Scottrade is different depending on the type of account. I have and IRA and so does my wife. Both are handled a lot different if I want to do withdrawals than our regular taxable accounts. The taxable investment accounts can have check...
by btenny
Sun May 01, 2016 1:40 pm
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 1 — Asset Allocation and Time Horizon
Replies: 46
Views: 4655

Re: Classic Bernstein — Asset Allocation and Time Horizon

Reason why I tell my kids to do 60/40 even at a younger age. They will stay the course and stay invested through thick and thin.

Good Luck
by btenny
Sun May 01, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1346

Re: anyone with experience with car with frontal collision alert?

kir_royle , What kind of car did you have these issues with? Can you describe the drive way in more detail and the things that seem to set off the alarm? I am torn on buying a car with one of these systems. The adaptive cruise control and back up alerts seem good but I am worried about the auto stop...
by btenny
Sun May 01, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Roof replacement and insurance coverage for hail damage
Replies: 30
Views: 1483

Re: Roof replacement and insurance coverage for hail damage

Well out west in Arizona we get hail that will destroy a car or roof in minutes if it happens to occur at your location. The mid west is much worse. I got my foam roof pitted badly and my AC grills bent up badly. The hail was about marble size and went on for 5 minutes or so. It made the ground look...
by btenny
Sun May 01, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Visiting Napa Valley, CA
Replies: 18
Views: 1406

Re: Visiting Napa Valley, CA

I forgot to mention Scomas in Sausalito as a great place to have lunch or diner on the way back to SFO. This is neat sea food diner right over the water looking at San Francisco and all the bay. It is very accessible right off the 101 highway on your drive down to SFO. Parking is tight so don't wast...
by btenny
Sun May 01, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Using Bose Soundlink Mini/Setting up a home audio system (basic)
Replies: 7
Views: 593

Re: Using Bose Soundlink Mini/Setting up a home audio system (basic)

We have one of the Bose Mini Sound links like shown here. We got it at the Bose store in Nashville for $150ish so look for a sale somewhere if you decide to buy one. We use it a lot at home or on trips in the car or in hotels or at the beach or on the boat. Basically all over. It has great sound and...
by btenny
Sat Apr 30, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: remodel: energy-independent house!
Replies: 25
Views: 1675

Re: remodel: energy-independent house!

Are you spending $500 per month on electricity and gas? WOW. That is crazy high from my experience for retirees. I spend about $350 for TWO houses and two refrigerators and two wine fridges and so forth. My Arizona house only costs me $100 or so per month year round (we don't stay in the summer so w...
by btenny
Sat Apr 30, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Change of Lifestyle in Retirement/Mobility
Replies: 9
Views: 1473

Re: Change of Lifestyle in Retirement/Mobility

It took me two years to downsize from my big kid friendly home and get rid of "stuff" and buy a nice small easy to care for retirement home. I got rid of the pool. I got rid of the big property and lots of landscaping. I got rid of my expensive work clothes and a lot of my wife's work clot...
by btenny
Sat Apr 30, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 1 — Asset Allocation and Time Horizon
Replies: 46
Views: 4655

Re: Classic Bernstein — Asset Allocation and Time Horizon

I am not sure I agree. The 5 year chart shows me that you get lower return deviation with lower stock mixes and thus lower risk of having a really bad year or few years if your investment horizon is short (5 years). Thus low stock/high bond ratios gives you a much smoother "ride" and a mor...
by btenny
Sat Apr 30, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 90
Views: 4197

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Now I mostly drink wine and beer. But I have an occasional Margarita or a bourbon and seven up. Before I retired I used to drink 7 & 7 a lot when I traveled on planes a lot. Good unwind drink and much better than cheap plane wine. Now I drink Crown Royal and 7 Up occasionally.

Good Luck
by btenny
Sat Apr 30, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Atlanta in August -- worth it?
Replies: 51
Views: 2527

Re: Atlanta in August -- worth it?

I spent 7 weeks in Atlanta way back when in the late summer, September and October. It was not that hot but I am from Phoenix. I thought it was mostly humid in the middle of the day. But I stayed in the shade or inside. Then it cooled off some after dark to semi walk around level. With AC everywhere...
by btenny
Sat Apr 30, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Visiting Napa Valley, CA
Replies: 18
Views: 1406

Re: Visiting Napa Valley, CA

Wine tasting at Sterling is a disaster IMO. I will never go there again. They treat you like a trained rat. You ride the cheap gondola up a hill for 5 minutes in the open air. Then they route you around on a self guided tour to look through windows at their wine stuff and let you read a place card. ...
by btenny
Sat Apr 30, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Visiting Napa Valley, CA
Replies: 18
Views: 1406

Re: Visiting Napa Valley, CA

I like Sebastiani winery in Sonoma best of all the places in Napa/Sonoma. They offer medium priced wines in all the flavors. We especially like the Dolcino Rosso as our go to wine. It is an inexpensive sweet red that is great with dinners of all kinds. We also like their moderate priced cabs and cha...
by btenny
Sat Apr 30, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 132
Views: 8763

Re: Vanguard Customer Service

I just went and looked up the cash returns at Scottrade. I currently earn 0.01% so basically nothing on my cash held at Scottrade. The cash return at Wells is similar. I see that Vanguard is currently paying 0.43% on Vanguard Money Market so I suspect that I could earn that amount on my cash if I mo...
by btenny
Sat Apr 30, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 132
Views: 8763

Re: Vanguard Customer Service

Back when I decided to hold almost 100% Vanguard funds in my portfolio. They are the best provider of low cost mutual funds and etfs available. But I also decided to NOT move that money to Vanguard directly due to limited customer support. I hold all my money at Wells Fargo and Scottrade because the...
by btenny
Sat Apr 30, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 1 — Asset Allocation and Time Horizon
Replies: 46
Views: 4655

Re: Classic Bernstein — Asset Allocation and Time Horizon

Until I got and read Asset Allocation by Gibson back when I really did not understand the "market". I had been investing for 20+ years in stocks and bonds and mutual funds so this was really enlightening. I had read many books before that one but did not "get it" on how bonds/sto...
by btenny
Fri Apr 29, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: landlord problem
Replies: 29
Views: 2526

Re: landlord problem

Old ovens are a problem. I have an old oven in my home and it costs $3000 to replace but it still works for now. Plus it costs more to install it and modify the cabinet and hook up the electrical wiring. A new oven is big $$$. Your landlord is looking at the same kind of issue. He wants to fix what ...
by btenny
Fri Apr 29, 2016 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is 7% in cash too much?
Replies: 13
Views: 1767

Re: Is 7% in cash too much?

I keep about 10% cash but I am retired and old and only 38% stocks, I keep that much for spending during the year and for a second and third year in case something goes wrong and I don't want to sell other stuff and need more spending money. I also have it spread over several accounts. So it depends...
by btenny
Fri Apr 29, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: Trip to Southern California next week - things to do?
Replies: 19
Views: 1261

Re: Trip to Southern California next week - things to do?

You cannot do SoCal without going to the beach for a day. We love Mission Bay in San Diego. Then just set on the beach or play paddle ball or rent a sail boat and go sailing or rent a stand up paddle board and ride around a little. Mission Bay is one of the worlds best bays and has wonderful beaches...
by btenny
Fri Apr 29, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: Wiper blade types?
Replies: 9
Views: 880

Re: Wiper blade types?

I use the all weather type on my Subaru and my Jeep as we do Tahoe in the winter. Those have big rubber sleeves that covers the wipers arms so they don't get packed with ice. But from my experience they still get iced up some if you are driving long periods in a snow storm. They also cost more. Prob...
by btenny
Thu Apr 28, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9406

Re: Soapbox (car safety features)

:D :D :D Great stuff

"my normal driving habits scare the crap out of this car".
by btenny
Thu Apr 28, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9406

Re: Soapbox (car safety features)

Probably the other very IMPORTANT thing we do not do in the US is in depth driver education. Getting a drivers license in Germany and the UK is expensive and hard and takes time. A German license costs $1400 to $2000 spread over several tasks. You have to go to a state licensed school for 37-57 hour...
by btenny
Thu Apr 28, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9406

Re: Soapbox (car safety features)

Look at the traffic death data above posted by corn. It shows the US is at 11 deaths while all of the European countries are at 6 or below. Sweden is at 3 and the UK is at 4 and Canada is at 7. As I ask and discussed above the UK and Sweden have very strict and harsh penalties for "distracted d...
by btenny
Wed Apr 27, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 51
Views: 2799

Re: Honda Accord or Subaru Legacy

I live in Tahoe part time and some friends bought a Legacy for the AWD to replace a BMW in 2013. They like it BUT it is not that good in snow. It has a low ground clearance that causes it to get high centered on the snow berms. They get stuck backing out or pulling into there driveway. My friend als...
by btenny
Wed Apr 27, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Upgrading car stereo speakers
Replies: 11
Views: 531

Re: Upgrading car stereo speakers

You need to take your car down to the local car stereo shop near you. I am sure there are several within driving distance of your home. All those thumper cars get upgraded there and so do all the standard cars that just need a car stereo fixed. I got my old Jeep GC speakers fixed there and my boat s...
by btenny
Wed Apr 27, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Who's used Extended Stay hotels?
Replies: 27
Views: 2162

Re: Who's used Extended Stay hotels?

Rob why don't you use your cellphone as a hot spot? My wife and I use one of our cell phones all the time now as a hot spot. It uses very little data if you are just doing a few things and not watching video a bunch. We might use 3GB for 2 weeks of traveling. Doing this eliminates the risk of hacker...
by btenny
Mon Apr 25, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9406

Re: Soapbox (car safety features)

Reactive armor would be sort of like getting hit by a "professional car crasher". My wife got broadsided at a yellow light in the 1990s by a car that had been "armored" to withstand front end crashes. The car was an old big long hooded Lincoln with a giant bumper that had been re...
by btenny
Mon Apr 25, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 97
Views: 8126

Re: Relocating to a tax free state with good weather need advice

Southeastern Arizona and central New Mexico have several small towns that would be great places to retire if you like quiet and low costs. East of Tucson Arizona the mountains go up a little to small towns like Tombstone and Sierra Vista which are at higher elevations. So the weather is cooler in th...
by btenny
Mon Apr 25, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Who's used Extended Stay hotels?
Replies: 27
Views: 2162

Re: Who's used Extended Stay hotels?

I have stayed in lots of extended stay type places over 30 years. Sometimes it would just be me when I traveled for work a very long time ago. But I have also stayed in them a few times lately when I traveled with my wife. Many of the resort type places advertise as hotels but are really set up and ...
by btenny
Mon Apr 25, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 135
Views: 16130

Re: Who else hates choosing a car?

I guess I am not worried about "hard to use safety features". I misspoke. But other may not be as flexible. My friends have a 2013 Subaru Legacy and they leave the safety stuff mostly turned off as it "bugs them and is hard to get used too". And I am worried about those safety fe...
by btenny
Mon Apr 25, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 135
Views: 16130

Re: Who else hates choosing a car?

Well middle class cars like the Jeep GC, Chevy and Ford used to have big deep padded front seats with big deep springs for both the driver and passenger. Then we go on this safety kick (which I like) and the start reducing seat size to save weight. Well time goes by and my 1997 Jeep GC has 141K mile...
by btenny
Mon Apr 25, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Advice for post retirement career
Replies: 53
Views: 2713

Re: Advice for post retirement career

Yes Fort you need to go do a detail analysis of future earnings and job plans with a CFP that knows the details of SS and Colorado teacher pensions etc.. You seem like the classic person who could benefit. I would start NOW so you have time to find and pursue alternatives. Maybe you can just change ...
by btenny
Mon Apr 25, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9406

Re: Soapbox (car safety features)

Excuse my curmudgeon ignorance but what is AED? Are you talking about the automatic braking systems like the Subaru Eyesight stuff? I am asking because the Subaru auto braking system is on all the time unless specifically turned off and has suffered some very dangerous "auto stops" where i...

Go to advanced search