Search found 4849 matches

by btenny
Fri Apr 19, 2019 11:38 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 27
Views: 1416

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Retired 20 years plus did lots of travel for work. Best places not most " ex iting".

Rome
Paris
Vail, Co
New Orleans
Key West
Valencia
Nashville
Lake Tahoe
Winter Olympics
Sydney
Panama Canal cruise
Niagara Falls
Washington DC
San Diego
London
NYC
by btenny
Fri Apr 19, 2019 4:37 pm
Forum: Personal Investments
Topic: Pensions and early retirement issues
Replies: 4
Views: 582

Re: Pensions and early retirement issues

Too far in future to tell that kind of detail. Job issues effect this a lot. Key is to keep saving to get to 25 times expenses point so you have the option to go early out at 50+.


Good luck
by btenny
Fri Apr 19, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 50
Views: 1535

Re: In search of a dishwasher that dries plastics well...

Bought a ultra quiet Kitchen Aide dish washer 1.5 years ago. It is really great. It dries good if you use the super dry mode. It is also very quiet. I rinse everything so I use express wash. If I want pot scrubbing it uses a long slooow cycle. Oh I do tilt glasses and cups to not retain water on top...
by btenny
Fri Apr 19, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Anyone running one?
Replies: 4
Views: 709

Re: Airbnb - Anyone running one?

Is it legal where this is located? OK with the hoa? Are you going to get it licensed with the city and pay taxes? You need to do this and find out city future plans. There is a lot of push back in many areas against these type of rentals. I have a few friends who do airbnb with spare rooms. They fin...
by btenny
Fri Apr 19, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 56
Views: 1774

Re: How far would you commute?

OK I get it now. New leader got some consultants to tell him to cut staff and decided to force new culture and cut staff in one motion. So they do not care who quits or complains. They want control over you and fewer people. So start looking for a new job now. Even if you take the job and commute yo...
by btenny
Fri Apr 19, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 56
Views: 1774

Re: How far would you commute?

I think 30 minutes is sort of ok. Have you ask why your job performance was OK for years when you worked at home versus requiring it be done in office now? So tell them to assign you to closer office (3 miles).

Or is this a riff in disguise? Is there enough work? Company reorg?
by btenny
Thu Apr 18, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 52
Views: 2241

Re: College admission inputs - Purdue vs local SJSU vs others

When you do the Purdue tour I suggest you also go visit Univ of Illinois Urbana. It is a great engineering school and probably better than Purdue in that field. It certainly has more Nobel people and more engineering options vs Purdue. But a FYI my daughter looked at both schools and did not like ei...
by btenny
Wed Apr 17, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7643

Re: I’m a Loser Stuck in a Dead End Job

You are doing amazing according to all I read. You are a good son. I would be proud of you if you were in my family. Yes you do not have the best job but you have done wonders with your life. Sometimes plugging along and working at a mediocre job is necessary in life. For a while. You helped your Da...
by btenny
Tue Apr 16, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9621

Re: seriously thinking about leaving S. CA but where to?

Some facts about Scottsdale and Phoenix Metro area that have been distorted above. 1. Summer runs from May 20th to about October 15. Long term desert rats leave for some of this time or travel a lot. Also everything is air conditioned and we wear shorts and sandals all the time so it does not bother...
by btenny
Mon Apr 15, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9621

Re: seriously thinking about leaving S. CA but where to?

Minden and Gardnerville Nevada are two very nice small towns right "over the hill" from Lake Tahoe. About 20 miles. This area is a nice small farming and ranching area right at the foothills of the Sierras. It snows there but not much and summers are cool at night and warm in the afternoon. Property...
by btenny
Mon Apr 15, 2019 12:40 pm
Forum: Personal Investments
Topic: Too much cash?
Replies: 9
Views: 1335

Re: Too much cash?

I split my bond allocation into intermediate muni bonds in taxable and intermediate investment grade bonds in my IRA. I also keep 10% or so of my bond funds (my cash) in short term treasuries (BIL) instead of a money market fund. I find this is very low risk and tax friendly. When I draw spending mo...
by btenny
Mon Apr 15, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9621

Re: seriously thinking about leaving S. CA but where to?

I live in Phoenix proper right next to Scottsdale and Paradise Valley. I love it and have been in the area since the 1960s. The climate and living conditions are nice for 6-7 months a year but it is dry and not at all like Orange County. It is the desert so it is HOT HOT in the summer for about 5 mo...
by btenny
Sat Apr 13, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Medigap pricing and Medicare generally
Replies: 21
Views: 1151

Re: Medigap pricing and Medicare generally

1. There are lots of websites that tell you what each type of Medigap plan covers. Then you have to tell them your name etc to get pricing. Or you can call and talk to a SHIP adviser who can explain all the issue to you over the phone. It is really easy. https://www.shiptacenter.org/ 2. There is a o...
by btenny
Thu Apr 11, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3131

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

All these power options are convincing me I am old far* who does not know about the latest gadgets. The power adapter for the tongue lifter is neat. I am going to look into getting one of those for my boat. Debit. Make sure the trailer you buy has one of those electric jack lifters. Then get a good ...
by btenny
Wed Apr 10, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3131

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

Debit. Have you ever done camping by yourself? I know you can do the camping part fine but can you do your own trailer setup and tear down and trailer hook up and so forth? Are you good at trailer towing and backing it up and parking it? Do you have the driving skills to do this trailer setup in tig...
by btenny
Wed Apr 10, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3131

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

I suggest you go look at and drive a late model Jeep Grand Cherokee. It is a much more robust tow vehicle than the mid size SUVs you are considering. It is also a vary nice around town SUV that has great road manners when towing. There are lots of them used or new set up with factory tow packages. T...
by btenny
Sun Apr 07, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to get cash quickly
Replies: 102
Views: 5784

Re: How to get cash quickly

You people need to get a real bank. One that understands service and the purpose of "demand deposit". I bought a boat in 2005. It was a good deal at $14000 for a 23 foot Maxum with a 502 V8 in OK shape. I had to drive 160 miles or so to look at the boat. After looking at the boat in the sellers yard...
by btenny
Fri Apr 05, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: What happens if I put more than 30 bills into ATM?
Replies: 21
Views: 2556

Re: What happens if I put more than 30 bills into ATM?

I actually had that happen to me. The ATM gave me $180 for $200. One of the $20 so was folded over. I went into the bank and they said fine and gave me $20 more. It was totally painless. This was Wells Fargo.
by btenny
Thu Apr 04, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: Why are yields form tax free Muni Bonds so high?
Replies: 17
Views: 2468

Re: Why are yields form tax free Muni Bonds so high?

The reason NHMAX has such good return numbers recently is because the fund lost 40% in 2008 and 5% in 2007 and then recovered from that giant hole. So this muni bond fund lost more than the SP500 stock fund (VFIAX) for both 2007 and 2008. Yep the SP 500 went up 5% in 2007 and only down 37% on 2008. ...
by btenny
Thu Apr 04, 2019 1:14 pm
Forum: Investing - Theory, News & General
Topic: Why are yields form tax free Muni Bonds so high?
Replies: 17
Views: 2468

Re: Why are yields form tax free Muni Bonds so high?

Actually muni bond funds are actively managed so the bonds are sold before they mature and many times bought at a discount. For the last five years they have paid out better dividends than the SEC yield. I expect this to continue in the future. VWITX had paid out 2.8% interest over the last 12 month...
by btenny
Thu Apr 04, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have guaranteed replacement cost provision with your homeowners insurance?
Replies: 27
Views: 1768

Re: Do you have guaranteed replacement cost provision with your homeowners insurance?

You want to purchase guaranteed replacement cost insurance if you can get it at a reasonable cost. The issue is many times the cost to rebuild a home that is destroyed in a fire is much more than the cost to purchase it. I live in Tahoe part time. We had a big forest fire 12 years ago. 250 homes wer...
by btenny
Tue Apr 02, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)
Replies: 54
Views: 3844

Re: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)

Some questions? 1... Do you have family like your parents or her parents or other relatives in your current location? Who and how far and how old are they? 2... Will either of you be able to take early retirement from your current jobs at say 20 years if you stay? This is really a pension and move q...
by btenny
Sat Mar 30, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 257
Views: 20968

Re: "The best and worst U.S. states for retirement"

Grok, Any survey that ranks Minnesota as number 1 in Quality of life is just flawed IMO. How can you say it is wonderful to live in a place where it will freeze you or give you severe frostbite if you stay outside for 10 minutes. And the weather is like this for 5-6 months every winter. That is just...
by btenny
Sat Mar 30, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 257
Views: 20968

Re: "The best and worst U.S. states for retirement"

Arizona is down to 14 on this list which is fine by me. That will stop some from moving there. But I am surprised at their numbers as they seem wrong on affordability and quality of life vs say Virginia and Utah. Plus I see no reason why Minnesota is so much higher than Florida and Arizona in QOL. U...
by btenny
Sat Mar 30, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: I have a car problem - $100K+ Cars
Replies: 22
Views: 1765

Re: I have a car problem - $100K+ Cars

Please tell me what model of car that costs $100k and does not need lots of maintenance and special storage and will not depreciate? I see collecter cars and vettes for $40k to $80k that are OK to drive and OK to take care of but anything over $100k is a park it and look at it car.
by btenny
Thu Mar 28, 2019 11:28 am
Forum: Personal Investments
Topic: Mutual Fund vs Index Fund
Replies: 8
Views: 682

Re: Mutual Fund vs Index Fund

I suggest you buy VTI etf index fund. It is low cost, generates small annual dividends and no capital gains. It can be bought and sold almost everywhere so no worry about changing brokerages in the future. The Fidelity mutual funds lock you to them. Not a good situation IMO. Since I suspect your mon...
by btenny
Wed Mar 27, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: I suspect I may have equity in my car lease. Help?
Replies: 31
Views: 1963

Re: I suspect I may have equity in my car lease. Help?

Penny. Please provide number details if you say there is no equity....
by btenny
Wed Mar 27, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: I suspect I may have equity in my car lease. Help?
Replies: 31
Views: 1963

Re: I suspect I may have equity in my car lease. Help?

Trade your lease car in at a Mazda dealer on a new car. The dealer will give you credit for your lease car equity. But you have to do your homework to make sure you understand what you have in equity. Then you can decide how to pay for for the extra cost of the new car. You can lease the next car or...
by btenny
Wed Mar 27, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 8569

Re: I would like a boat. I also know nothing about boats

Here is a You Tube Video of a boat similar to mine on the water. They still sell for about $10K to $15K as shown in the second video from 2015. I am sure you can find newer models for more money but less wear and tear. https://www.youtube.com/watch?v=4U-rB1AJ8iQ https://www.youtube.com/watch?v=Wp645...
by btenny
Wed Mar 27, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 8569

Re: I would like a boat. I also know nothing about boats

I have had three boats over 60 years. I do not spend a lot on my boats and we use the current one 3 times per week all summer. I see boating as a good low cost hobby that we all enjoy. My first boat was really my uncles fishing boat. He kept it beached at a lake near my house. And he let me use it w...
by btenny
Wed Mar 27, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: The real impact of inflation on Retired Folks?
Replies: 101
Views: 7880

Re: The real impact of inflation on Retired Folks?

I figure my real cost of living has about doubled in my 20 years of retirement. So maybe 3.5% inflation is what I have experienced. More than what the government has shown but not too dramatic. In my case I sort of planned for a this so it has not hurt me too bad. BUT I am sure other retirees are no...
by btenny
Wed Mar 27, 2019 11:50 am
Forum: Personal Investments
Topic: Advice needed for offloading some old stocks
Replies: 11
Views: 593

Re: Advice needed for offloading some old stocks

I suggest you sell them all off over the next year or two as your taxes will allow. We all suspect that the market is near all time highs and we also know that the current economy is doing good. BUT we also know the whole thing is over due for a big crash. So sell out as much as your taxes will tole...
by btenny
Tue Mar 26, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)
Replies: 32
Views: 1628

Re: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)

You might look into driving up to Cortez, Colorado and go see Mesa Verde National park. This park is a really cool cliff dwelling city that was built by the Indians back in 1100 or so. It is just outside of Cortez which is sort of on the way from Flagstaff to Texas. The drive to Cortez will take you...
by btenny
Mon Mar 25, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund: take the cash or apply to next year's estimates?
Replies: 12
Views: 1476

Re: Tax refund: take the cash or apply to next year's estimates?

Take half the cash as a refund and apply the rest to this years taxes. Then forget about filing Q1 and Q2 estimated taxes and save a few bucks at the CPA. Then make sure you pay and figure out what you owe by year end and pay Q3 taxes and Q4 taxes.

Good Luck.
by btenny
Mon Mar 25, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1096

Re: yard service questions

Hire someone to put a hard deck or cover over the pool. It will not be cheap but well worth the $$. This will give you more setting area and improve the safety issues and stop the water from getting in the pool. If you do not cover the pool and stop the water from pooling you will get mold and bugs ...
by btenny
Mon Mar 25, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple accounts for large portfolios
Replies: 11
Views: 856

Re: Multiple accounts for large portfolios

The only reason I know to split accounts is to avoid potential cyber security fraud or hacking. So if you get one account hacked or the bank gets hacked you can still get some $$ at your other bank or brokerage.

Good Luck.
by btenny
Mon Mar 25, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Those of You Having Medigap Plan F More than 5 Years
Replies: 40
Views: 2237

Re: Those of You Having Medigap Plan F More than 5 Years

I have had Medigap Plan F-HD for six years. It started at $38 as I recall. It is up to $48. The annual deductible is now $2300. It used to be $1920. So both have gone up a little but not much. The biggest issues I have is that Plan F or Plan F-HD are not going to be sold after next year due to some ...
by btenny
Mon Mar 25, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Sell old home, keep renting, buy?
Replies: 11
Views: 1196

Re: Sell old home, keep renting, buy?

Option C. And keep renting in the Bay area.

Good Luck.
by btenny
Mon Mar 25, 2019 4:25 pm
Forum: Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 73
Views: 8131

Re: TD Ameritrade Money Market Options

In 2008 I owned some Pimco Closed End municipal bond funds. These are leveraged bonds funds that pay above market rates by using leverage to boost bond ownership to 120% or so of face value. These are very good funds that have been around for decades and work great for small investors if bought at d...
by btenny
Mon Mar 25, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 8569

Re: I would like a boat. I also know nothing about boats

I am sorry for all the do not own a boat advice here. I love my boat (third one) and have a ton of fun ever summer using it. Both my kids and my grand kids and my wife love boating as well. It is a great family activity. All these non boat people just do not get it. Since you have not been out in a ...
by btenny
Mon Mar 25, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance of Trad IRA
Replies: 40
Views: 1841

Re: Inheritance of Trad IRA

Something does not add up with your information. I think your CPA and your estate lawyer are making some mistakes. I think your Moms estate should result in you owning a Inherited IRA for $100K. Then the inherited IRA will generate about $4K in required RMD income this year and a little more next ye...
by btenny
Fri Mar 22, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 1590

Re: Minivan or SUV?

A nice Subaru Forester will work great for everything you want to do. It is AWD all the time. It will haul two kids and two adults and two big dogs in the back . Set it up with a small hitch for your trailer and it will work fine for big farm stuff. You can put small farm stuff on the rubber mat in ...
by btenny
Wed Mar 20, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Patent an idea and find investors.
Replies: 31
Views: 1750

Re: Patent an idea and find investors.

Create a "poor mans patent" by writing the product description and taking pictures of what you have built (a paper/cardboard prototype) and the drawings that describe the item. Show this paper to a trusted friend and get him/her to sign each page. Then sign each page yourself. Then put all this pape...
by btenny
Wed Mar 20, 2019 12:47 pm
Forum: Personal Investments
Topic: Advice on allocation/ER
Replies: 7
Views: 418

Re: Advice on allocation/ER

You have a big problem for 3.5 years until you turn 59.5. IRA withdrawals cannot start until you are 59.5. I do not see any after tax money to live on beyond your $85K in pensions? So I see a $30K shortfall each year. So can you do the "rule of 55" withdrawals from your current 401K to cover you or ...
by btenny
Tue Mar 19, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 72
Views: 4767

Re: College for average kids

Remember C students still graduate. The issue with college is can and will your kid work hard enough to get Cs or better in all his/her classes. And remember that John McCain graduated 894 out of 899 from the Naval Academy. https://en.wikipedia.org/wiki/Early_life_and_military_career_of_John_McCain#...
by btenny
Tue Mar 19, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 72
Views: 4767

Re: College for average kids

Yes when he came home after that first college semester he was pretty sad and goofed off a lot. I said he had to get a job at least part time to pay for his fun $$ and register for school somewhere. As I recall it took him about 2-3 weeks to find his a job. He is very personable and can talk to peop...
by btenny
Tue Mar 19, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 72
Views: 4767

Re: College for average kids

The auto mechanic and diesel schools in Phoenix are very good according to lots of people. Many young guys and gals end up being life long big rig and equipment repair people who go to that school. I know some of these guys first hand and they make good $$$. Think snow cats and boat repairs and heav...
by btenny
Tue Mar 19, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 72
Views: 4767

Re: College for average kids

MY oldest rebelled at school from age 10 on. He just did not like setting and listening to teachers. He got Bs and Cs. He did not have any idea what he wanted to do after high school. He go into our state school out of town but goofed off and got bad grades. So he went on probation and came home. I ...
by btenny
Tue Mar 19, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 126
Views: 7621

Re: Tesla Model Y

I looked into buying a Tesla Model 3. It seems like an OK car but it just did not work for us. Cost were crazy and reliability was unknown for anyone who travels much and is retired and lives a snow bird lifestyle. The costs were $55K for the car plus $2.5K times 2 for two garage chargers. So $60K f...
by btenny
Tue Mar 19, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare advice needed for snowbirds / travelers
Replies: 7
Views: 555

Re: Medicare advice needed for snowbirds / travelers

I too snowbird and have for years. I spend time in Arizona and in California. When I signed up for Medicare I was very careful to get it and my Medigap Plan F-HD in California for good reasons including lower costs. I talked at length with all kinds of insurance and Medicare people. They all said th...