Search found 4152 matches

by btenny
Wed Dec 13, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Anyone own property used solely for Airbnb?
Replies: 9
Views: 901

Re: Anyone own property used solely for Airbnb?

I think you are confusing AirbNb with VBRO. AirbNb is mostly a room rental service for homeowners and city apartment owner to let out single rooms for a single night or two. Rentals of this sort are like hotel rooms and are designed to have the homeowner present at the property. VBRO is designed as ...
by btenny
Wed Dec 13, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 34
Views: 1466

Re: Concert Decision and Advice

I am not a big music guy but I love live music performances. It is just fun to watch the performers and the crowds and listen to the various songs. It is just a great way to spend some time. Go for it a few times and see what kinds of events you like and what kinds of music you like. You will find t...
by btenny
Tue Dec 12, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Microwave - Reliable built-in with vent?
Replies: 11
Views: 603

Re: Microwave - Reliable built-in with vent?

I have a 37 year old microwave and oven combo that is built into the kitchen cabinets. It looks fine. It works OK. But is so old it does not have a turntable and uses a mechanical twist timer dial. Because we only use this home part time I have been able to procrastinate replacing this setup for 15 ...
by btenny
Mon Dec 11, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Need advice
Replies: 16
Views: 803

Re: New Investor Need advice

I suggest you put 100% of your 401k money this year into the Fidelity sp500 index institutional fund with the .03% er. Then put your Emergency money in CDs or some Tax Free muni fund with a low er. Both count towards your Asset allocation. Do something similar with your Roth IRA money. Those three t...
by btenny
Mon Dec 11, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 43
Views: 5750

Re: For those retired at least 10 years, what about the money?

Northster. I really want to understand your plans and your motives. I have been having similar thoughts. How do you think giving your kids some money at middle age will effect there desire to work hard and save? Are they going to buy a bigger house? A better car? Or just go on a nice vacation? Do yo...
by btenny
Mon Dec 11, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 43
Views: 5750

Re: For those retired at least 10 years, what about the money?

The recent advent of joint replacement technology has created a ton of robust oldster who ride and play a lot in really old age. I know that back in the 1980s and before if you got a bad hip or bad knee you just lived with the pain and did not move around as much. So then they did not move around an...
by btenny
Mon Dec 11, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 43
Views: 5750

Re: For those retired at least 10 years, what about the money?

Wow you guys need to meet some robust oldsters. One friend is 96 and several others are 75 plus. They all ski 100 days or more every winter. Many times they ride the first chair. See below. https://www.tahoedailytribune.com/news/local/at-96-martin-hollay-still-skis-at-heavenly-in-lake-tahoe-now-the-...
by btenny
Mon Dec 11, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2038

Re: December 22 - Jan 1 vacation

I know you said warm but all the kids (and most of the adults) I know love snow and have a ball building snowmen and skiing and sledding and tubing and just playing in the snow. So I suggest a skiing and sledding winter fun vacation. Fly to Salt Lake or Whistler (in Canada) or Tahoe for some real wi...
by btenny
Mon Dec 11, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 43
Views: 5750

Re: For those retired at least 10 years, what about the money?

Now retired 18 years and will be starting RMDs soon. We have more now than when we retired. We spend about 3% to 4% of our money and live comfortably. I guess we will leave some to our charities and some $$$ to our kids unless some major issue occurs. I have mixed feelings about giving my kids a big...
by btenny
Mon Dec 11, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1549

Re: Best Parmesan Cheese for Salad

Beware some of the Kraft stuff in the green can is only part cheese and the rest is "filler". Yep they add sawdust and sell it as cheese. So I would not buy it. The way we buy Parmesan cheese is at Costco in block form. It is about $10 per pound but a good deal. Then we grate some for our meals. It ...
by btenny
Sat Dec 09, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 20
Views: 2296

Re: BH Volvo XC90 Review

Is yours AWD?
by btenny
Sat Dec 09, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3907

Re: Moto G5 Plus: Software updates?

I have had a Moto G3 for 2 years. It is a nice very easy to use phone but the camera quality is not that good. I use mine for phone calls, texting, music, web surfing, maps, games and some reading books. I do not do Email on my phone but I could. I do not do email due to security and small screen si...
by btenny
Sat Dec 09, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 3632

Re: Danger of being a helicopter pilot?

Go to Phil Greenspun's website and read some of his blogs and maybe email him with some questions. He is licensed helicopter school trainer and school owner. He is also a prof at MIT and several other things. I am sure he will quote you tons of information and where to get trained and so forth. Good...
by btenny
Fri Dec 08, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 80
Views: 7082

Re: Jack Bogle Is Worried About U.S. Pensions

My wife has two pensions. One is already in trouble and does not have enough money. She is going to vote soon on the plan going forward. She has to choose one of three options, keep the current payouts and run out in 2020ish and then get a reduced Pension Guarantee payout or reduce her pension right...
by btenny
Fri Dec 08, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: What Bonds to Hold in Taxable?
Replies: 7
Views: 827

Re: What Bonds to Hold in Taxable?

I suggest you put some Tax Free muni bonds in your taxable account up to your bond stock allocation until you near retirement. This lets you use that money as a emergency fund at no tax risk if needed. I did this and then used that money during early retirement for spending. It has worked out great ...
by btenny
Sun Dec 03, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: About to take out Term Life Insurance - Questions for Bogleheads
Replies: 11
Views: 1070

Re: About to take out Term Life Insurance - Questions for Bogleheads

Buy two $ 1M policies on you. Buy each from different companies. Make sure $500k or so of one policy is convertible at policy end at higher price so you have something if needed way out in the future. The price you have is too high. Look around. Make sure both of you have disability insurance for si...
by btenny
Fri Dec 01, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: $7 flights on RyanAir
Replies: 39
Views: 4706

Re: $7 flights on RyanAir

Well we just got back from a trip to Spain on Ryan Air . I will never ride them again. We left from Stansted near London. The flights left on time and returned on time. The planes are old and poor and terrible. The pilots do poor scary takeoffs and landings. The ground crews are rude. They treat you...
by btenny
Fri Dec 01, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2137

Re: For Musk, an Energy Feat the Size of a Football Field

Is this where all the planned Model 3 batteries went? Really where did he find all the batteries so fast?
by btenny
Fri Nov 24, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to negotiate a layoff?
Replies: 22
Views: 2257

Re: Is it possible to negotiate a layoff?

Your boss really likes you.. I bet the consultants wanted to just lay you off to save more money. But your boss or his bigger boss thought you brought something to the table and said reduce your salary and keep you. So stay and be happy. But do get your resume updated. Things could change and you co...
by btenny
Wed Nov 22, 2017 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Plan F High Deductible
Replies: 18
Views: 1457

Re: Medicare Supplemental Plan F High Deductible

Plan F-HD is not going away. Just regular plan F. The gov't wants everyone the pay a little so no pay 100% plans.
by btenny
Mon Nov 20, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6205

Re: Drive it till it dies. It died.

Yes I have been in exactly your situation way back in the late 1980s. I had been looking at used cars at Hertz. They had told me they would give me $2K (as I recall) for my used Nissan Sentra wagon. Well a few days later the clutch went out on the Nissan. So the next day we went to Hertz and talked ...
by btenny
Mon Nov 20, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 50
Views: 6647

Re: 55+ Early retirement offer.

I wish you luck. What you are going through is very hard. I watched our software and systems people and their managers go nuts and do all kinds of things to deal with a situation like yours in the late 1990s. The high up managers thought they could just plug in cheaper labor and everything would be ...
by btenny
Sun Nov 19, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5786

Re: How much do you budget for vacation?

You need to ask a more detailed question and define if it is while you are working or in retirement. Many people have second homes or condos that they use a little or a lot. How do you figure those costs in your vacation budget? In my case that is huge number. I have had a second home (ski condo) wh...
by btenny
Sat Nov 18, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off? [OP Update]
Replies: 38
Views: 3575

Re: Volunteer to be laid off?

Take the layoff if you are ready financially. It sounds like you are ready mentally. Your boss and his boss may not want you to go but talk with them about you wanting to retire in a year or two. Once you make the decision be open with your desires and talk to all of them formally. Those conversatio...
by btenny
Fri Nov 17, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1337

Re: Timing if Medicare annual physical

One year plus a day for blood work and related stuff. I was told to wait this year for 1.5 months to make sure medicare would pay. That was for a doctor visit and then some blood work.

Good Luck.
by btenny
Fri Nov 17, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: portfolio review
Replies: 4
Views: 492

Re: portfolio review

1a/b. Overall you seem to be doing OK. But you cannot let up. You have about $1M saved. I did not do the details but did a little adding. Do either of you have any build up of pensions? How about social security or other long term stuff besides your savings? 1b. The big thing I see in each account i...
by btenny
Fri Nov 17, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8865

Re: Tesla truck unnveil

This dog and pony show was a joke IMO. Total vaporware or worse. It is not a product yet or even close. The truck does not work and will not tow any real heavy loads any significant distance because the design is not done. It is years away. The truck shown has no cooling or radiator for the power tr...
by btenny
Fri Nov 17, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about cash and retirement - isn't this really about market timing?
Replies: 38
Views: 3150

Re: Confused about cash and retirement - isn't this really about market timing?

Since I retired I keep about 7% of my portfolio in real cash most of the time. I withdraw and spend about 3% of my portfolio over the year in addition to SS and pensions. But I also earn new dividends and interest of about 1% in my taxable accounts each year so I end the year at 5% or so cash depend...
by btenny
Fri Nov 17, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8807

Re: Has used furniture dropped in value dramatically?

Dealing with a complete house full of "stuff" is hard. We spent about 6 weeks cleaning out and dealing with my father in laws home spread over 3 months when he passed away. Plus it took several additional weeks to clear out the garage and sell or move all his tools and stuff. It was just hard work. ...
by btenny
Fri Nov 17, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8807

Re: Has used furniture dropped in value dramatically?

Yes I have priced pianos recently. Well 5 years ago recent. My wife plays the piano and we have always had a old (1902) upright grand piano that use to belong to her grandmother. It weighs a ton and is funny sounding but made of cast iron and solid walnut. So it is sort of antique so we keep it. But...
by btenny
Thu Nov 16, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 1958

Re: Scottrade to TDA

Yes I am in a similar boat. I have been at Scottrade for a long time. But recently I have not been happy with how things are going at Scottrade. Especially in the last two years. But I am not sure I want to consolidate to one brokerage. Right now I have multiple accounts at two different brokers. An...
by btenny
Thu Nov 16, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Basement heating
Replies: 12
Views: 781

Re: Basement heating

I have one of the electric fireplace look heaters in my basement office. It works great. I close the door and turn on the heater switch and it heats the room fast. No fuss no muss. I set mine on two ceramic floor tiles for safety reasons. It has a built in thermostat so it shuts off/on and does not ...
by btenny
Thu Nov 16, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 2008

Re: RE sale: long close vs. bird-in-hand

The earnest money proposed by the buyer for Option A is too small IMO versus the time and effort involved. If you really like the person and the deal and want to do that option then counter the offer and ask for more earnest money. Get at least 10% of the sales price and make it unconditional. And m...
by btenny
Wed Nov 15, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 50
Views: 6647

Re: 55+ Early retirement offer.

I doubt that any ER package by a Fortune 500 company is going to get done by the end of this year. It is too late. These things take time to explain to the employees and then more time for the eligible people to make decisions and then more time to do all the exit interviews and paperwork. Think 3-4...
by btenny
Wed Nov 15, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 50
Views: 6647

Re: 55+ Early retirement offer.

Yes the first round of cuts and offers are usually the best. But unless you get some sort of health insurance from your employer to cover you from 55 to 65 you may have big issues. One year of Cobra is not a good offer. One year of Cobra that they pay for and then the ability to buy insurance on the...
by btenny
Wed Nov 15, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: When is the best time to buy...........
Replies: 4
Views: 648

Re: When is the best time to buy...........

Black Friday to Christmas is the best time to buy. But be prepared to pay up for higher end items that you must have. Those tend to not go on sale or not by much if they are popular. Then they sell out. But sometimes right before or after Christmas things get marked down even more if they are not al...
by btenny
Wed Nov 15, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8807

Re: Has used furniture dropped in value dramatically?

You might consider selling most of the furniture when you sell the old house. We sold my father in laws home and much of his furniture to the lady who was buying the house as a second home. She gave us $1000 as I recall for a lot of stuff. She wanted the twin beds and the dining table and sofa and c...
by btenny
Mon Nov 13, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Looking for a Catamaran
Replies: 21
Views: 1780

Re: Looking for a Catamaran

Since you are new to boating I will give you a pass. Do you realize how BIG a catamaran sailboat is and how hard it is to turn and manuever? Plus they cost a fortune, $120K or more is normal for a 33 footer. You should look around at normal 33 foot sail boats or similar size power cruisers. These ar...
by btenny
Mon Nov 13, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5848

Re: The Personal Black Swan

Think about what happened to the people in Greece since 2009? The peoples savings accounts were locked up and they could not withdrawn cash or move money out of the country or buy stuff they needed. Current spending was stopped to pay for over spending by the government in previous decades. So every...
by btenny
Mon Nov 13, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5848

Re: The Personal Black Swan

While we are talking about "diversification" do some of you own funds from more than one company. Should we split our Total Stock Market investment into two slices, one from Vanguard (VTI) and one from IShares or Fidelity? I know almost all of my money is in Vanguard funds held and tracked by two se...
by btenny
Sun Nov 12, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job with regular working hours after a long break?
Replies: 7
Views: 1082

Re: How to get a job with regular working hours after a long break?

Lots of corporations who build software systems need software (and game) test engineers who understand how to do integration and big software. This is not a IT job as those people also end up doing lots of systems support and installation. I am talking a 8 hour a day test person. It is very hard job...
by btenny
Sun Nov 12, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?
Replies: 11
Views: 770

Re: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?

We took a tour of the island by van for about $40 each. The driver acted as a tour guide. We drove by the Atlantis as well as several other big hotel properties. As I recall you can walk around and see parts of the property for free after you get a taxi over there. But you cannot get into the Atlant...
by btenny
Sat Nov 11, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9870

Re: Retirees: I got this!!

It very much depends on circumstances. I retired in December 1998 at 52 for various reasons. I had some money in the market and some real estate. I was nervous for 13 years about having enough money to stay retired. I experienced just about every bad event and sequencing thing talked about here. I h...
by btenny
Fri Nov 10, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Where am I and where am I going?
Replies: 16
Views: 1818

Re: Where am I and where am I going?

Yes your expenses are met right now by your pensions plus a little from your portfolio. But what happens if your wife passes and her pension income goes down by 50%. So now you have less income and much higher taxes. In that case you need a lot more $$ from your portfolio. Same issue occurs if you p...
by btenny
Thu Nov 09, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Maximizing use of electrician - outlet repair/upgrades
Replies: 20
Views: 1486

Re: Maximizing use of electrician - outlet repair/upgrades

Put in GFI receptacles in the baths and the kitchen and where you have three wireless stuff now. No need to upgrade from 2 to 3 wire as that is hard and not necessary.

Good luck.
by btenny
Thu Nov 09, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Where am I and where am I going?
Replies: 16
Views: 1818

Re: Where am I and where am I going?

I think your asset allocation is way too risky. You are 75% stocks and you do not need to take the risk. You should reduce to 50% stocks or less. Say 35% us, 10% foreign and 5% reit stocks. Or maybe even down to 30% us, 5% foreign and 5% reit. The issue is you have plenty of money to last for your w...
by btenny
Wed Nov 08, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Benefits at 55
Replies: 7
Views: 1317

Re: Benefits at 55

You are now eligible to live in Sun City and get discount golf and low taxes.

Good luck
by btenny
Mon Nov 06, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 319
Views: 23222

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

Is the big federal deduction of $7500 going away after 2017? Is the federal tax deduction going to change with the tax change and update?
by btenny
Mon Nov 06, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 73
Views: 8776

Re: Retirement in Arizona - Seeking Advice

It is wonderful today. I am setting by my open back screen door. It is about 65 outside and clear and cool. The weather will be nice every day until about next May before it starts getting hot again. I live in north Phoenix/Paradise Valley suburbs in the city of Phoenix. This area used to be the edg...
by btenny
Sun Nov 05, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 7639

Re: Preparing For "Early Retirement" In A Couple of Years

You do not have enough to really completely retire YET. If you were older and had paid up SS and a paid for home you could retire now. BUT you have not put enough money into Social Security or a annuity or a home to do that yet. The issue is you need inflation protection and health insurance for lon...