Search found 4306 matches

by btenny
Sun Feb 18, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: condo rental and emotional support animals issues
Replies: 5
Views: 425

Re: condo rental and emotional support animals issues

Charge more PER DAY for ADA or ESA animals plus ask for additional deposits and cleaning fees for their animals. Grade the extra costs based on the animal size. Ask for a ton more $$ for any animal over 30 pounds. Ask for huge extra $$$ for a 60-80 pound or larger animal. It is the cost of doing bus...
by btenny
Sun Feb 18, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 57
Views: 5076

Re: Single People and Retirement Question

Being single or widowed in old age is one of the key attractions of Sun City. Many people who move there love all the clubs and recreation centers and volunteer opportunities available. Plus all of your neighbors are older and many are in you same position. So you get to know each other and help eac...
by btenny
Sun Feb 18, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: What home related expenses do I need to think of?
Replies: 4
Views: 194

Re: What home related expenses do I need to think of?

New window coverings in a new condo. New furniture for the new condo. New refrigerator. Monthly parking fees and garage expenses. Plus all the utilities mentioned above.

Good Luck.
by btenny
Sun Feb 18, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding tax rate in retirement
Replies: 3
Views: 200

Re: Question regarding tax rate in retirement

You will most likely be in the 0% or maybe the 15% in early retirement. This is the ideal time to do big IRA to Roth IRA conversions. This will let you convert a lot of your IRA money to Roth IRA money at low cost.

Good Luck.
by btenny
Sat Feb 17, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 31
Views: 2888

Re: $12,000 Refrigerator?

My wife and I go tour high end homes sometimes in Scottsdale and Tahoe. My wife drools at all the fancy stuff in the kitchens. It is routine to see a giant super wide (four doors) cabinet like refrigerator. Yep the thing looks like a walk in closet but cold for food storage. It is built into the wal...
by btenny
Sat Feb 17, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: World Travelers: What's the local economy look like?
Replies: 10
Views: 994

Re: World Travelers: What's the local economy look like?

I spent a week in England last fall. Everything seeming like it was going great. Lots of people were out buying stuff and shopping for Christmas and just spending money. No vacant stores. No Amazon effect there. Trains were busy but not over crowded. Lots of building was happening on the roadways an...
by btenny
Sat Feb 17, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Medical records - saved me money, time, trouble and XRay exposure :)
Replies: 12
Views: 1197

Re: Medical records - saved me money, time, trouble and XRay exposure :)

My wife and I both keep folders of our med records and try to understand the details in them. Both of us have things in our history that would cause lots of extra testing and need further"evaluation" if we did not tell each new provider NO that is normal for me. Now that I am older I bet a huge perc...
by btenny
Fri Feb 16, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 18
Views: 1629

Re: Transition from house to apartment

You might look into buying a mobile home in SoCal. You fit the demographic and life style of people for this type of home. They re usually a lot nicer than a standard apartment. There are handful of over 55 Mobile home parks in the Torrence and Redondo Beach area. These are low cost properties as yo...
by btenny
Fri Feb 16, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - 2 day business trip
Replies: 22
Views: 1468

Re: Scottsdale, AZ - 2 day business trip

Here is the City government web site. It is NOT your typical government web site. Look at it and you will get a good feel for the city and how different it is from many other places.

http://www.scottsdaleaz.gov/home

Enjoy.
by btenny
Fri Feb 16, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - 2 day business trip
Replies: 22
Views: 1468

Re: Scottsdale, AZ - 2 day business trip

I agree the MIM is very cool but it takes a whole day to see it. And even with a whole day you will not see it all and get tired. Plus the best way to see it is to go to an evening concert in the music hall after touring the museum. Plus you will not get a feel for Scottsdale by going to see a bunch...
by btenny
Fri Feb 16, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - 2 day business trip
Replies: 22
Views: 1468

Re: Scottsdale, AZ - 2 day business trip

I always take people to downtown Old Town Scottsdale for a tour and a walk around the Civic Center Mall area and City Hall and the art Museum and the love sign and the nice park there. See below. Then we drive through the shops and art galleries and the clubs and restaurants in the 5th avenue area a...
by btenny
Thu Feb 15, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1383

Re: Keep crows off of chimney caps

Get a pellet gun and shot at them. You do not have to hit the birds. Hitting the metal cover while they are setting there will scare them off. If you do this regularly for a while they will leave your spot alone. Birds are smart and leave areas where they have issue alone. I had similar issue with g...
by btenny
Thu Feb 15, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2900

Re: Rant about relocation mortgage assistance, and a question

Good Luck. Talk to your mortgage broker about a personal signature loan.
by btenny
Thu Feb 15, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2900

Re: Rant about relocation mortgage assistance, and a question

Re the mortgage. The mortgage companies are just crazy funny about requiring steady monthly income STREAMS. They just do not care if you have the cash in the bank. They want a paycheck or annuity to prove you can afford the payment. This is double true for long term 15-30 year permanent loans. But i...
by btenny
Thu Feb 15, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2900

Re: Rant about relocation mortgage assistance, and a question

RE. Renting with a big dog. You can buy very good renter insurance now days to offset the risk of the big dog and the related dog issues. See below. Look for single family homes from private renters or a high end rental agency. Then do not tell the landlord how big your dog is right away. Then after...
by btenny
Thu Feb 15, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2900

Re: Rant about relocation mortgage assistance, and a question

Wow. I am kinda surprised you are moving. From your previous posts I thought you were at your current spot for the long count. I guess the new job must be fantastic for your wife and a good challenge. Regarding the home. I do not think you should buy a big expensive home at this new location. Yes I ...
by btenny
Wed Feb 14, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 33
Views: 2402

Re: Used Chevy Volt - Which year should I look at?

What is the self discharge rate of the battery? The issue is what happens to the car/battery if you do not plug it in for maybe 3 months? I want a car that I can leave for months unattended at my second home. Or suppose I leave it plugged in for 3 months charging and never drive it? What does this d...
by btenny
Wed Feb 14, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Short Term Tax Free Bond ETF
Replies: 9
Views: 740

Re: Short Term Tax Free Bond ETF

Vanguard Limited Term Muni (VMLUX) currently yields 1.66% and has pretty low volatility. This is the Admiral version so the regular version will be slightly less. But both are less than inflation so they are loosing money over time.

Good Luck.
by btenny
Wed Feb 14, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter’s College & Grad School Expenses -Nurse Practitioner
Replies: 51
Views: 3215

Re: Daughter’s College & Grad School Expenses -Nurse Practitioner

I am confused. If your daughter is going to have a nursing degree ( BSN ???) why not go and get a two year Physician Assistant degree after that? I am under the impression those are worth a ton and there is lots of demand for PAs with BSN degrees under them. Why go to all the trouble of 4 plus years...
by btenny
Tue Feb 13, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3719

Re: Home buying: how to send postcards to neighborhood we want to live in?

Drive around the neighborhood and find 2-3 homes you really like. Then look them up on Zillow and find a good price and any related information on each. Decide what price you would pay for each home. Then drive over to the homes and knock on the doors of each house. Talk to the owner in person. Intr...
by btenny
Tue Feb 13, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage recommendation
Replies: 11
Views: 534

Re: Brokerage recommendation

Wells Trade (Wells Fargo on line brokerage) is pretty good IMO. Low cost and good internet interface and easy to use. It also is fully integrated with their banking stuff and credit cards so you see all your stuff in one location and can move between accounts easily. Good security as well with two f...
by btenny
Tue Feb 13, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1033

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

Why fix it? Is the noise driving you crazy? Most times the grinding noise is a transmission that is getting old and wearing but not broken. The issue is the agitator back and forth rotation is making noise. Replacing it will cost you almost as much as buying a new washer. So do not fix it until it c...
by btenny
Mon Feb 12, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3843

Re: Going Paperless Issues

I am doing this to eliminate all the paper that comes in the mail box. We move around a lot and travel a good deal and all that paper is a PIA. Some of it is always getting lost and unless we go paperless the various companies will not let us review the bill online. So we are trying to automate it a...
by btenny
Mon Feb 12, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3843

Going Paperless Issues

My wife and I are trying to go completely paperless for our bills and payments and all our expenses. We are trying to get rid of all the bills that come in the mail and convert them to e-bill and e-pay of some sort. But this is proving harder than we expected. So now we have question how to do vario...
by btenny
Mon Feb 12, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7072

Re: I’m not renewing my Costco membership.

We are founding members of "Price Club" that has evolved into Costco for those that did not know. We love the store and have one about a mile from our home in AZ. The prices are low and they carry good stuff. We get food there (love the $1.50 hot dog and drink deal for a fast lunch) and groceries an...
by btenny
Sun Feb 11, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: 2 yrs to retirement - asset allocation?
Replies: 19
Views: 2188

Re: 2 yrs to retirement - asset allocation?

1. Your math does not work. I only see 95% of the assets mentioned in your AA. That is a big error. Where is the rest? You need to get control of what you have and where and understand it perfectly. 2. How much do you have in individual stocks? From your comments I suspect you have too much. So I su...
by btenny
Sun Feb 11, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 57
Views: 5076

Re: Single People and Retirement Question

I have a older single friend who is a retired academic. He moved to Lake Tahoe (from LA) to ski and play in retirement. He teaches snow skiing part time for fun and to keep busy. He meets lots of people that way so he is pretty plugged into the local area. He is a member of the summer sailing league...
by btenny
Sun Feb 11, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6260

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

Go for it. Take some mental health days off. Go lay out by the pool and enjoy the sun. See some baseball. Play some golf. Go out to a club or two. Enjoy life. Go with some friends if you can. Take some pictures. Buy some souvenirs. Make some memories. You are only young once and then it is gone. Yes...
by btenny
Sun Feb 11, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 4690

Re: Family expecting “comps”

It sounds like your family members are being unreasonable. Some people are just difficult. I suggest you discuss it with some other family members like your Mom or Dad or old uncle or aunt. Then let them tell you how they see it. See if they have ideas. Then maybe they can use some "back door talk o...
by btenny
Sun Feb 11, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Help Sell FIRE to spouse
Replies: 31
Views: 3523

Re: Help Sell FIRE to spouse

I retired early before my wife/family had a chance to object. I was just fed up at work and did it. My wife kept working. Then I did some part time work and traveled a lot for the next three years. I showed her the $$ issues would be fine and we could both retire. After three years she saw how thing...
by btenny
Sun Feb 11, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Can’t decide if we’re getting close to FIRE without knowing health care costs
Replies: 30
Views: 2241

Re: Can’t decide if we’re getting close to FIRE without knowing health care costs

JJ you are spending a fortune on med and dental stuff for sure. I see that and am floored. I used to spend $12K to $14K all in costs for the two of us. This was before we went on Medicare in 2013. And I had some claims and issues. I thought that was crazy expensive. Do you have records of the hard c...
by btenny
Sun Feb 11, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: 2 yrs to retirement - asset allocation?
Replies: 19
Views: 2188

Re: 2 yrs to retirement - asset allocation?

I still cannot tell what your asset allocation is right now. Plus I have no idea how your plan works across two households and the withdrawal rate and so forth. I see lots of issues. I would think you should be at 50/50 or even down to 40% stocks /60% bonds due to your anxiety with lots of cash due ...
by btenny
Sat Feb 10, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Just how safe is a short-term corporate bond fund?
Replies: 33
Views: 2902

Re: Just how safe is a short-term corporate bond fund?

You should also look at VMLUX, Limited Term Muni. It yields 1.66% and still only has a 2.5 year duration so it is low risk in a raising rate environment. I have moved some of my tax free money to this as well.

Good Luck.
by btenny
Sat Feb 10, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Just how safe is a short-term corporate bond fund?
Replies: 33
Views: 2902

Re: Just how safe is a short-term corporate bond fund?

I have been using VWSTX (short term muni) for decades as my emergency fund and part to my bond allocation. I do this in my taxable account so the money is available immediately at no tax risk if needed. It does not pay as well as the corporate fund but is much lower risk and also tax free. And until...
by btenny
Sat Feb 10, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: What to invest in ?
Replies: 8
Views: 761

Re: What to invest in ?

I live in Phoenix and the climate is conducive to storing old cars and planes and all sorts of stuff. Collectors around here do very well. Have you thought about collecting old cars? So one of my neighbors is a car guy. He loves old cars and he is handy with a wrench. So about once a year he buys an...
by btenny
Fri Feb 09, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6217

Re: Financially secure, horrible workplace but just can't FIRE

Sorry about your situation. But if your finances are good why not just quit. You can get another job at lower or the same pay if you want it. There is just no reason to stay at a place you hate. There are not enough good qualified workers in the health fields so I am sure you can get another job. So...
by btenny
Fri Feb 09, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4397

Re: Choosing muni bond funds

Fidelity is not your friend. Both of these funds have 4.75% front end loads and then ongoing 1% carrying loads. They will most likely lose money for years as the loads will eat all the earnings for years. The returns you see are before loads are subtracted. https://finance.yahoo.com/quote/MEMTX/prof...
by btenny
Fri Feb 09, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5819

Re: Live / work in California - Technology Career

Technology wise Seattle is almost as go go as the Bay area. It has tons of start up tech companies and tons of mature tech companies. Like wise Austin and Chandler/Phoenix and several other metro areas have lots of tech companies and lots of tech jobs. So your focus on California seems misguided to ...
by btenny
Fri Feb 09, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 2832

Re: Not happy where we live

What is DR and BS 5/6? And the answer is mixed. Poor financial security is bad for kids. But less money is usually not bad and many people get along fine with much less than most here in the US. And since I retired and worked some very low wage jobs I have meet many people who worked hard all their ...
by btenny
Fri Feb 09, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Conundrum
Replies: 8
Views: 548

Re: Stock Conundrum

I would sell it all right now. You have no tax issues with selling it all. So just get out now and get more diversified. The stock has not been a good performer for a long time. Are you aware of some good new thing they are doing that would make the income or return improve? If so please tell us. Go...
by btenny
Fri Feb 09, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: tax brackets, taxable accounts, & bond funds
Replies: 3
Views: 515

Re: tax brackets, taxable accounts, & bond funds

Investing in Vanguard Tax Free intermediate term muni fund in taxable accounts is almost always the best approach. The key is munis have been paying good high yield in absolute terms for a very long time. This has been the situation for years. When the government started the bail out business way ba...
by btenny
Thu Feb 08, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4082

Re: Who has had a pool?

I do not have a pool now that I am old and retired and do not spend the summers in Phoenix. Not having a pool to take care of was a key factor is selecting our retirement home. When I was younger we always had a pool. We built the pool in our first home (in my twenties) before we had our first kid. ...
by btenny
Wed Feb 07, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 2636

Re: How to short TSLA?

See here for Fidelity note on how the process works. Note you have to have a margin account and call your brokerage and find out what interest rate they will charge you to borrow TSLA shares and what percent of the sale price they will hold back. https://www.fidelity.com/learning-center/trading-inve...
by btenny
Wed Feb 07, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on non retirement & retirement accounts
Replies: 16
Views: 545

Re: 75k Cash sitting in wellsfargo

Put it all in Vanguard Wellesley, VWINX is the easiest solution. This is a modest stock bond blend with a 40/60 asset allocation. It works best in a tax free account but is OK in a taxable account as well. The fund pays taxable dividends and cap gains and has had great performance for decades. If th...
by btenny
Tue Feb 06, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2105

Re: Visiting SAN FRANCISCO

Good lunch food and great day out is driving across the Golden Gate bridge to Sausalito on the north side of the bridge. Drive there and get off the 101 and go to Scomas for lunch or early dinner. Make reservations. It will be hard to park but there are tons of pay parking lots near there. The food ...
by btenny
Tue Feb 06, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: what to do with patent plaques and other work awards?
Replies: 45
Views: 2762

Re: what to do with patent plaques and other work awards?

Mine are in a box in the garage along with some coaching trophies. I keep a lot of kid stuff (sports trophies) out there as well. Someday I may toss it all if I am forced to declutter. But once in a while I look at them when we are searching for stuff. It is fun to think about those good times. Oh a...
by btenny
Tue Feb 06, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help for the helpless please?
Replies: 11
Views: 1311

Re: Help for the helpless please?

Consolidate all your taxable and tax free bond allocation in your taxable account to two funds, Intermediate Term Muni (VWIUX) at about 15% and Limited Term Muni (VMLUX) at about 15%. I did not do the exact math but this is about what I would aim for. You do not want total bond or international bond...
by btenny
Tue Feb 06, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Eclipse of the Public Corporation or Eclipse of the Public Markets?
Replies: 5
Views: 586

Re: Eclipse of the Public Corporation or Eclipse of the Public Markets?

Go read Chaos Monkeys to get some insight into the tech world of small companies and start up tech firms. It shows how they are currently funded in the US with private money. No one in that area is willing or eager to go public too early and do all the financial and related things needed to be a pub...
by btenny
Tue Feb 06, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 26
Views: 1504

Re: Vacation options for wide age-range of children?

You might take the kids and their backpacks and bikes to Telluride for a week of fun. Stay in town near the San Miguel river. Rent a condo or a home. The older kids can fish from the river banks in town. You can go with them or just stay with your wife and the baby. The kids can ride their bikes all...