Search found 4740 matches

by btenny
Fri Feb 15, 2019 10:59 pm
Forum: Personal Consumer Issues
Topic: Composite Cedar Siding and Real Cedar Siding Maintenance
Replies: 1
Views: 127

Re: Composite Cedar Siding and Real Cedar Siding Maintenance

Where are you building? The materials used are very location sensitive in my experience. I am in Lake Tahoe at 6K feet in a real harsh environment. I have the whole house wrapped in red cedar siding with a semi clear stain. The stuff is a PIA. I need to stain and recoat about every 3 years on the so...
by btenny
Fri Feb 15, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: Where to stay for 3 nights in Phoenix
Replies: 5
Views: 410

Re: Where to stay for 3 nights in Phoenix

Old Town Scottsdale is nice and that is where the San Francisco Giants play spring BB. The stadium is right in downtown Scottsdale. There are lots of nice hotels close like the Hyatt or the Marriott or the Hilton or the W or ?? Look at Google for details. Everything is sort of close to the ballpark ...
by btenny
Fri Feb 15, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: What are your best retirement years?
Replies: 35
Views: 2459

Re: What are your best retirement years?

OP. My friends who are old and still ski a lot are long time Tahoe residents. They just love being outdoors. The spry 95er retired from the ski area at 70+. He lives about a block from the lift and skis for a hour or two each day at slow speed. He did 100 days last year. He hikes around up on the tr...
by btenny
Fri Feb 15, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: visiting Baltimore
Replies: 55
Views: 5081

Re: visiting Baltimore

I agree. Maryland Crab Cakes stuffed into a giant butterflied shrimp and then baked just right is an amazing meal. And it is only available in Baltimore and the surrounding area. Same for fresh clams or boiled blue crabs...

Good Luck....
by btenny
Fri Feb 15, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: What are your best retirement years?
Replies: 35
Views: 2459

Re: What are your best retirement years?

I have been retired 19 years, since I was 52. I have had a great time all the way to age 68 when my health started to get in the way of having fun. At 55 I could ski or hike all day and then go out to midnight partying. Yes I had some health issues along the way but they went away after a time. Now ...
by btenny
Fri Feb 15, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Options for Commuting to Work
Replies: 33
Views: 1072

Re: Advice Needed - Options for Commuting to Work

I suggest Option D. DO not take the job. Keep looking. I am sure there are better jobs. That big a commute for $75K is just crazy.......

Good Luck.
by btenny
Fri Feb 15, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: visiting Baltimore
Replies: 55
Views: 5081

Re: visiting Baltimore

I have not been in the Inner Harbor is 20 years but I used to really like doing stuff down there. I agree with going on the Camden Yard tour. Maybe get a room at the Hyatt that looks over the field. I suggest you go visit and tour the Torsk WWII attack submarine. It is right in the Inner Harbor. It ...
by btenny
Thu Feb 14, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Car shopping: Believe the ratings?
Replies: 10
Views: 1016

Re: Car shopping: Believe the ratings?

I like to look at percentages of good versus poor reviews of a car on sites like Edmunds. That tells me a lot about the car. If 70% or more of the reviews are 4-5 star then I figure the car is pretty good. If the reviews are 30% bad and 1-2 stars then I figure the car is poor or has issues. I also l...
by btenny
Thu Feb 14, 2019 6:43 pm
Forum: Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 39
Views: 3419

Re: TD Ameritrade Money Market Options

I just checked my stuff at TDA. I get daily interest. I got 2.26% for January 1st and then the rate gradually went down to 2.16% for the last day of January. Not sure what fund I have but it is not FDIC insured. It is some sort of Federated Money market fund. I also have another account at TDA that ...
by btenny
Wed Feb 13, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 330
Views: 29315

Re: Early retirees, how much did you leave on the table?

I retired early at 52. I thought staying in my same job was impossible long term. My MegaCorp needed to downsize a lot. I took the first RIF. After I left they did more RIFs and then sold my Group to another company. Most of the people had to move to the new company. Their pensions were frozen as we...
by btenny
Wed Feb 13, 2019 11:43 am
Forum: Personal Investments
Topic: Wellington & Wellesley Funds
Replies: 20
Views: 3181

Re: Wellington & Wellesley Funds

Your W allocation seems fine to me. So does keeping a chunk of cash. I have 5% in Wellesley. I also keep enough cash for a years spending in my taxable account and enough cash in my IRA to cover this years RMD. I also keep two years of $$ in limited term muni funds and another two years in intermedi...
by btenny
Tue Feb 12, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 33
Views: 2257

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

I have a HP Spectre 14 inch laptop with a high resolution screen. It is 2560 x 1440 high resolution screen. It is a shinny touch screen. It works great when I blow up text and read stuff like Bogleheads. Plus I can also read and use two big spread sheets side by side with small text as needed. I do ...
by btenny
Tue Feb 12, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 56
Views: 6838

Re: 2019 Subaru Outback 2.5 vs 3.6

I have a 2013 Outback 3.6R with the old fashioned 5 speed transmission. I live in South Tahoe part time and go up and down and all around the Sierras. It is a great car and runs really strong in the mountains and on road trips. I routinely go over big snow berms and two foot deep snow. On the highwa...
by btenny
Mon Feb 11, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Wasting Electricity for Fun and Profit
Replies: 58
Views: 5341

Re: Wasting Electricity for Fun and Profit

OP. I suggest you buy a nice beer cooler and or a nice wine chiller to go with your electric fireplace. They both store beverages that you should drink in front of that nice fireplace. And they run 24/7 to keep you stuff cool. So it should solve your power usage problem.

Good Luck......
by btenny
Sun Feb 10, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Corporate lease advice for car
Replies: 3
Views: 363

Re: Corporate lease advice for car

My math and assumptions say it is a wash with their payments being about $689 and $100 for mileage. BUT if they pay the insurance for you it saves about $150 or more per month. That is a big deal. Then if they cover the costs for rolling over the lease every 6-12 months that saves you at least $600 ...
by btenny
Sat Feb 09, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Wasting Electricity for Fun and Profit
Replies: 58
Views: 5341

Re: Consuming Electricity for Fun and Profit

The real issue is people do not understand electricity nor care about the giant machine needed to give them light and power. The US power grid is probably the largest system in the world. And physics controls electricity and requires the power company to balance the electric generated so that it exa...
by btenny
Sat Feb 09, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Wasting Electricity for Fun and Profit
Replies: 58
Views: 5341

Re: Consuming Electricity for Fun and Profit

Well guys there is a REALLY GOOD REASON Texas utilities are doing this. They have a huge problem maintaining quality power on their network due to various generators like wind and solar putting power on the grind over a day and various users turning on/off heaters and AC at different times. See the ...
by btenny
Fri Feb 08, 2019 7:19 pm
Forum: Personal Investments
Topic: question on an inherited IRA
Replies: 24
Views: 1435

Re: question on an inherited IRA

$200K is a lot of money to withdraw all at once from an inherited IRA. So NO do not just take it all out at once. You and your sister will get hit with a big tax bill. You need to go to Schwab or Fidelity or vanguard and get them to pull that IRA out of Ameriprise. Start now so you have many months ...
by btenny
Fri Feb 08, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 35
Views: 1629

Re: Tips/suggestions for skiing out west?

As I pointed out above Mammoth, Squaw Valley and Heavenly in California stay open later than April 15. I did some research and found some others areas like Alta and Snowbird that are open later. See below. I am pretty sure there are others. Enjoy.... https://www.snowpak.com/utah/salt-lake-city/alta/...
by btenny
Fri Feb 08, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 35
Views: 1629

Re: Tips/suggestions for skiing out west?

Well Rainier you need to come to California. Things are different. I do not know about Aspen as we have not skied there. But we have skied at lots of other areas in Utah and Colorado. Our snow in Tahoe is different due to altitude and snow water content. And as benchmark I was born in Colorado and h...
by btenny
Fri Feb 08, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distributions from my IRA
Replies: 42
Views: 1841

Re: Qualified Charitable Distributions from my IRA

I used the 590 term as a generic name for the 501(c) requirements. Back in 2018 when I made the QCD donations I tried to look up each donation organization. And I could not find my exact church or the exact DAV group. I tried. I know the above states they are probably OK but I was wondering. So I di...
by btenny
Fri Feb 08, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Visiting Hawaii- Big Island - 8 days
Replies: 22
Views: 1445

Re: Visiting Hawaii- Big Island - 8 days

Go visit a nice black sand beach and the green sand beach and a white sand beach. Do some swimming and snorkeling. Go on a nice hike. Have a picnic. Drink some Kona beer. Get a sun tan. Eat some fresh fish. Enjoy.... https://www.lovebigisland.com/best-beaches-hawaii/ https://oct.co/travel/three-day-...
by btenny
Fri Feb 08, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distributions from my IRA
Replies: 42
Views: 1841

Re: Qualified Charitable Distributions from my IRA

On a side note how does everyone determine that a "charity is 590" and approved for donations? I tried to look up my church and could not find them on the 590 lists on the internet. The church is a big standard denomination church. They are a standard non profit church that also does all kinds of ch...
by btenny
Thu Feb 07, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 35
Views: 1629

Re: Tips/suggestions for skiing out west?

Before you commit to April skiing out west beware the modest skiing conditions. The temperature will be 50-70 degrees in the afternoons and 25-35 degrees at night. This makes the ski runs icy in the AM until about 10AM and then good for about two hours and then slushy for about 2 hours and peanut bu...
by btenny
Thu Feb 07, 2019 11:21 am
Forum: Personal Investments
Topic: Custodian for parents retirement money, please help me invest.
Replies: 21
Views: 589

Re: Custodian for parents retirement money, please help me invest.

You need to keep that money invested in your parents name until they pass away. If you invest it in your taxable account with your name it becomes a gift to you and that creates tax issues. You can set up the account so you can make trades and invest the money but still have your parents as the owne...
by btenny
Wed Feb 06, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: replacing tires on AWD cars do you have to do all 4
Replies: 83
Views: 3886

Re: replacing tires on AWD cars do you have to do all 4

Yes you have to replace all four tires to get them matched. If they are not matched in type and size and diameter (which changes with wear) they will cause the transfer case and differentials to break. How many miles are on the tires? On the spare? Are the tires and spare matched? If you had three n...
by btenny
Wed Feb 06, 2019 6:19 pm
Forum: Personal Investments
Topic: Can I retire now?
Replies: 32
Views: 6344

Re: Can I retire now?

You can retire now but why? What are you going to do all day? Your wife is working all day. Your kids are in school most of the day. And becoming a stay at home Dad and cleaning house and watching TV seems like a bad idea to me. You are still a good programmer. You could become even better with some...
by btenny
Wed Feb 06, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to volunteer for layoff?
Replies: 36
Views: 3356

Re: How to volunteer for layoff?

Companies operate two ways when they need to downsize. One method asks for volunteers and the other is a targeted layoff where they cut specific people and departments. Do you have any data on how your company has done layoffs in the past? Are the corporate bosses needing to cut but your local group...
by btenny
Wed Feb 06, 2019 11:53 am
Forum: Personal Investments
Topic: Looming retirement reality check
Replies: 9
Views: 1253

Re: Looming retirement reality check

I think your plan for 50/50 is fine for asset allocation for now. When you get to 70 you might go down to 40/60 if you hit your $400k target. I am not sure about the State Street ETFs you discuss as I am a Vanguard fund fan. So I prefer VTSAX or VTI and other Vanguard funds. I also have TDA accounts...
by btenny
Tue Feb 05, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distributions from my IRA
Replies: 42
Views: 1841

Re: Qualified Charitable Distributions from my IRA

Those words in Pub 590 about the custodian sending the check directly to the Qualified Charity is why TDA said they would do the work. Their form includes addresses for the charity and the name. When I talked to the representative he said they do this all the time. I did not attach a letter to inclu...
by btenny
Tue Feb 05, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distributions from my IRA
Replies: 42
Views: 1841

Re: Qualified Charitable Distributions from my IRA

Thanks guys. I guess Turbo Tax should take care of the QCDs. I will see when I do my taxes next month. I probably will attach check images to the tax return and a note explaining the deductions. I hope that is sufficient for IRS questions. Last year I had TDA send the checks direct but I have no way...
by btenny
Mon Feb 04, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 35
Views: 1629

Re: Tips/suggestions for skiing out west?

OP. I stand corrected. As Rainier has noted you can take your family to Colorado resorts or Salt Lake Resorts for about $4000. You have to buy the Ikon pass or the EPIC ski pass for your family in the late spring or early summer for the next ski season. Then you can go skiing out west for around $18...
by btenny
Mon Feb 04, 2019 8:14 pm
Forum: Personal Investments
Topic: New to the board, Looking for review/ advice/ guidance
Replies: 13
Views: 743

Re: New to the board, Looking for review/ advice/ guidance

So to summarize you are mid 30s and have $166K or so saved and invested. You live in a HCOL area and make $170K +-. You are doing OK. Not great but not bad either. I think you are limited by living costs in a HCOL area so you probably cannot invest very much annually at your current incomes. I think...
by btenny
Mon Feb 04, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distributions from my IRA
Replies: 42
Views: 1841

Qualified Charitable Distributions from my IRA

I started Required Minimum Distributions (RMD) in 2018. I made three large Qualified Charitable Donations from my IRA first to three charities. I had TD Ameritrade write those checks and send them to three charities. I had TDA take out taxes based on the whole RMD amount and pay that to the IRS and ...
by btenny
Mon Feb 04, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 35
Views: 1629

Re: Tips/suggestions for skiing out west?

You will need to spend $500 per person or $2K for air fare to get "out west" to Tahoe or Salt Lake or Canada. Lodging will run you at least $300 or more per day for four people. Lift tickets will run at least $80 per day or more so another $360 for four people. Then if I assume you have you own skis...
by btenny
Mon Feb 04, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Please Help Me Find a Travel Group for My 70-Year-Old Mom
Replies: 30
Views: 1854

Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom

I suggest your Mom look around her area for some clubs that hike or ski or bike as groups. You need to encourage her to expand her hobbies and to get out to some club events where where she lives. I live in Phoenix and used to spend tons of weekends going on trips with the Phoenix Ski club or Scotts...
by btenny
Sun Feb 03, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Helping widowed mother come up with a plan
Replies: 21
Views: 1436

Re: Helping widowed mother come up with a plan

Just so I am clear. I too was a big real estate investor when I was younger. It was good to me and I made good returns. The key for me was doing my own maintenance and improvements. That does not work for me now that I am old. I cannot do the roof fixes or cabinets refinishing and plumbing fixes and...
by btenny
Sun Feb 03, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Helping widowed mother come up with a plan
Replies: 21
Views: 1436

Re: Helping widowed mother come up with a plan

I do not know where you live but a way to get her more comfortable with stock investing is to take her to lunch with some older Bogleheads. I bet there are some older Bogleheads who live near you. I live in Scottsdale/Phoenix Arizona area and could go meet your Mom and talk about stocks investing fo...
by btenny
Sun Feb 03, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Tawny Port (Not Vintage Port): Sandeman or Taylor Fladgate?
Replies: 12
Views: 1090

Re: Tawny Port (Not Vintage Port): Sandeman or Taylor Fladgate?

I suggest you look up V Sattui Madeira wine. It is wonderful rich port that comes with a red wax seal. You can drink it right away or let it age for years. IMO it is just a lot better than most of the regular ports. See below for reviews. You buy it at the winery or via website. Good Luck https://ww...
by btenny
Sun Feb 03, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 4677

Re: Mazda Miata as Daily Commute Fun Car?

Yes if your commute is mostly city streets where speed is low so if a crash happens you might be OK. BUT a big no way if your commute has any freeway or high speed big city thru fare road and 45-55 speed limits. That car is very small and will fold up like a taco and you will get hurt bad if hit by ...
by btenny
Sun Feb 03, 2019 11:08 am
Forum: Personal Investments
Topic: Turning 40 and evaluating things.
Replies: 13
Views: 991

Re: Turning 40 and evaluating things.

Put the money in Vanguard Intermediate Term Muni Fund, VWIUX. Right now it is paying 2.88% tax free. The money is easily withdrawn while still giving you a OK return. At your income level I am pretty sure you need to invest in Municipal bond funds for the best returns. It is not totally risk free bu...
by btenny
Sat Feb 02, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Helping widowed mother come up with a plan
Replies: 21
Views: 1436

Re: Helping widowed mother come up with a plan

So if I understand it, your Mom is good with real estate risk? Correct? She knows she can get a bad tenant that will trash her condo and do $30K of damage in a week and then disappear. Right? She knows the tenant may just stop paying rent and not move out for months. Or she may not be able to rent t...
by btenny
Sat Feb 02, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Helping widowed mother come up with a plan
Replies: 21
Views: 1436

Re: Helping widowed mother come up with a plan

How much cash and CDs does she have that needs to supply the $2K per month? Did you count the rental property value and her home value in her net worth?
by btenny
Sat Feb 02, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7085

Re: Building a house in rural mountains

All this talk about medical issue with remote locations reminded me of a friend who lost his daughter to an asthma attack. Yes she died when the road (California Highway 1) she lived near had a big mud slide and she could not drive out direct. She could drive around but that took hours and the helic...
by btenny
Sat Feb 02, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7085

Re: Building a house in rural mountains

I know a lady and her husband who built a big home and barn on a remote 20 acre piece north of Lake Tahoe. It is about 5 miles outside a very small town. It is really remote. They spent about 4 years building it. They lived on it with their dogs and horses for 5 years. Then the husband passed away. ...
by btenny
Sat Feb 02, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Helping widowed mother come up with a plan
Replies: 21
Views: 1436

Re: Helping widowed mother come up with a plan

Is any of her nest egg in Roth or IRA? You did not say. I am not sure you should suggest she do anything beyond making sure that cash is in a ladder of CDs. I bet some part of her current $$ is invested in stocks. So find out what $$ are invested in what and where first. I do not think paying off th...
by btenny
Fri Feb 01, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 71
Views: 30095

Re: Convince me to choose a Suburban over a Sequoia

In a word. BUY A FORD. They are cheaper and bigger than a Sequoia and almost as reliable. They are better than a Suburban. They are great for snow and fit your exact needs. A big Ford Expedition is actually the same size as a Suburban but tows more (9K pounds) and hauls more and is more reliable. I ...
by btenny
Wed Jan 30, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 211
Views: 12955

Re: Which Compact SUV Should I Buy?

Random. We could argue this for days. We just see things differently. Do you really believe a BMW or MB is more of a American car than a Lincoln? Really? Try convincing a Texan from Dallas who drives a F150 of that view. Really try to convince yourself of that view. Yes some BMW and MB are assembled...
by btenny
Wed Jan 30, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 211
Views: 12955

Re: Which Compact SUV Should I Buy?

OK Meg. When are you actually going to go out and test drive some of these choices? I still recommend you go and try out a late model (2015ish) Lincoln MKX. It is a very nice car. I think it meets all your desires in a nice pretty prestigious package. Plus it is AMERICAN made which is a key factor f...
by btenny
Tue Jan 29, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best combo of brokerage/checking for elderly AL resident?
Replies: 5
Views: 405

Re: Best combo of brokerage/checking for elderly AL resident?

I use Wells Direct brokerage and Wells Fargo checking as linked accounts. They have offices all over the west. I am not sure if they are in NC. I do all my stuff on line through their website. It is very easy to use and it is simple to move money around. They offer lots good checking account options...