Search found 5107 matches

by btenny
Mon Nov 18, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree couple seeking pointers on relocation
Replies: 7
Views: 775

Re: Retiree couple seeking pointers on relocation

I forgot another point about moving to live near your kids. Do you want to live near your kids or a few miles away or maybe 20 miles away? Think about how all the social issues of living near them will sort out. Do you want coffee together every morning? Dinner once week? Are you going to be a daily...
by btenny
Mon Nov 18, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Retiree couple seeking pointers on relocation
Replies: 7
Views: 775

Re: Retiree couple seeking pointers on relocation

You can get a mortgage on your new home but the rate will not be super low. Plus you will pay points and fees to the mortgage lender for this loan. So the loan will cost you several $K even if you pay it off inside a year. It will not be cheap. Plus you may have to move assets so they can be pledged...
by btenny
Thu Nov 14, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 32
Views: 4291

Re: What are the best jobs to downshift into?

SKI Instructor
SKI Patrol
MLB or minor league stadium usher
MLB or minor league stadium grounds keeper
Museum docent
Concert ticket taker
Golf caddie
Golf Marshal
Golf starter
Golf pro shop assistant

etc...

Good Luck.
by btenny
Thu Nov 14, 2019 11:26 am
Forum: Personal Investments
Topic: Closed End Funds Nuveen Safe?
Replies: 12
Views: 1078

Re: Closed End Funds Nuveen Safe?

CEF funds are poor investments IMO. They do lots of complex things to improve current payouts but then the values go down over time. They have very high expenses to pay for these investment strategies. They are very volatile and subject to major losses in down markets. Look at the value of them duri...
by btenny
Fri Nov 08, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D moving target
Replies: 2
Views: 294

Medicare Part D moving target

I have been analyzing various Medicare Part D insurance plans trying to select the best option for next year. In late October I found the Humana plans said they do not cover Chemotherapy Drugs. So I was going to ask questions about that issue. I do not have cancer but that blanket statement bothered...
by btenny
Sun Nov 03, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: Outdoor patio fountains
Replies: 6
Views: 497

Re: Outdoor patio fountains

We looked at local stores and bought on line from Wayfair. The fountain is 3 foot tall and 2 foot wide and looks like stacked stone.. Wife says it cost $330ish.
by btenny
Sun Nov 03, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Outdoor patio fountains
Replies: 6
Views: 497

Re: Outdoor patio fountains

I have had big fountains with big 3 tiers and auto fill and custom design. It was part of a big front patio and court yard. It looked great but was only viewed occasionly due to front door location. It fit with the big custom home. We had to pay to have it cleaned every two years. I now have a modes...
by btenny
Thu Oct 31, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7990

Re: Humana Part D - ILLINOIS - premiums up up up

I notice many of you are changing to Wellpoint Part D drug plans for 2020. Who on here has used Wellpoint before for 90 day mail orders drugs? How easy is the website and how are the services? I have Humana mail order drugs all figured out and it works great. We snowbird so we change delivery addres...
by btenny
Wed Oct 30, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 32
Views: 1778

Re: Ford Expedition - possible lemon claim and what to do?

I suggest you go look and test drive some big Ford vans. They can be set up for 7-15 passengers with 3-5 rows of seats. So get one with three rows of seats and lots of luggage space. I bet the dealer would work a trade for your Expedition. They are not as expensive.

Good luck
by btenny
Wed Oct 30, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3454

Re: Part D - thinking of shifting to Walmart

I did the comparisons with the Humana site. I do not want to put all my data into the Medicare site.
by btenny
Wed Oct 30, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3454

Re: Part D - thinking of shifting to Walmart

I just did a in depth analysis of the Humana Walmart Value and Humana Basic drug plans for 2020. I used the cost numbers that are shown online for each plan. I take a few meds and use a expensive inhaler. I buy every thing via the Humana mail order pharmacy. I have been doing the mail order thing fo...
by btenny
Tue Oct 22, 2019 4:47 pm
Forum: Personal Investments
Topic: Portfolio gut check for early retirement
Replies: 8
Views: 857

Re: Portfolio gut check for early retirement

Part 1... I don't think you are financially ready to retire yet. You are close IMO but I think you need to wait a few years and invest more and study investing more and get your expenses under control. What will you have for income in retirement? Please tell us. Have you looked up what you will get ...
by btenny
Mon Oct 21, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Enlarge shower to include bench, walk-in tub, or both?
Replies: 40
Views: 2644

Re: Enlarge shower to include bench, walk-in tub, or both?

I remodeled my bath last year and took out the oversize custom sunken bathtub and put in a expanded walk in shower. It is great and we really love the new design. It has a large hand held spray shower head with a 5 foot hose and a separate rain shower head. We put in new glass doors with no lips and...
by btenny
Fri Oct 18, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Coordinating a retirement move/shipment of belongings
Replies: 2
Views: 324

Re: Coordinating a retirement move/shipment of belongings

My kid and I did the pack and store thing with U HAUL twice. You pick up a storage box on a trailer and take it home and fill it. Then you return it to U HAUL and tell them where to ship it and when you need it. They take charge and move it and store as needed along the route. This was low cost and ...
by btenny
Thu Oct 17, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Empty Nester Move from House to Apartment
Replies: 27
Views: 4298

Re: Retired Empty Nester Move from House to Apartment

I had no issues renting as I told landlord my taxable income for last three years and had cash for three months rent to start. First, last and deposit, satisfied them. But big company landlords and corporate rentals were not good for us. They had too many rules and rent raises to work well for me. P...
by btenny
Thu Oct 17, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Empty Nester Move from House to Apartment
Replies: 27
Views: 4298

Re: Retired Empty Nester Move from House to Apartment

My kids live in other cities so when they visit they stay with me. We have three bedrooms. One is a guest bedròom plus a couch for kids. That works for most visits. But when we aĺl get together we rent a VBRO or a hotel room nearby. We have done this twice, 13 years ago and 5 years ago and I am tryi...
by btenny
Wed Oct 16, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Empty Nester Move from House to Apartment
Replies: 27
Views: 4298

Re: Retired Empty Nester Move from House to Apartment

I down sized from 3.3k to 2K feet at 54 when I retired. Retirement house is a city home with small yard and no pool and limited landscape. So easy to lock and leave. We leave for months and travel and go to our second home or other places. We rent all places but our primary home. Have been doing thi...
by btenny
Wed Oct 16, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: How do I store a boat this winter?
Replies: 20
Views: 1468

Re: How do I store a boat this winter?

Standard I/O drives do not drain the water when on land. Then that water will freeze and break the engine when Temps go below 32. So you have to put antifreeze in it and store it for the winter. As far as covers you can put lumber braces under covers or shrink wrap to ease rain run off. I think you ...
by btenny
Sun Oct 13, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: 1 week camping tour, Phoenix-El Paso, suggestions?
Replies: 21
Views: 1232

Re: 1 week camping tour, Phoenix-El Paso, suggestions?

Kitt peak observatory west of Tucson is great.
Tombstone is a fun western town and home to OK corral.
Copper Queen mine tour near Bisbee.
Kirchner caverns cave by Tucson.
Carlsbad caverns cave near El Paso.
Winery tours near Sonoita and Elgin
PIMA air and space museum near Tucson
by btenny
Sat Oct 12, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in a ski in / ski out condo?
Replies: 50
Views: 5309

Re: Should I invest in a ski in / ski out condo?

Buy a ski in/ski out time share for a week in March at your favorite hill.. Then use it as desired. Stay at your relatives during the summer. Make sure the time share you buy is from a previous owner to get good price. Invest the $300K.

Good luck.
by btenny
Fri Oct 11, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5270

Re: Anyone buying PG&E stock?

Do you realize that PG&E is in bankruptcy now (2019) and was also bankrupt in 2001 (the power deregulation mess) and almost bankrupted in 2010 due to the San Bruno NG explosion? They are just a mess of a company that never seems to do things right. See the links below. They regularly cause big fires...
by btenny
Fri Oct 11, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3717

Re: Seiko Watch

I bought my wife a solar Seiko at Penny's a few years ago. She loves it and it never needs a new battery like her old standard Seiko. So I vote for the solar version but that price seems low. Check you are getting a real Seiko version and not some knock off.

Good Luck.
by btenny
Mon Oct 07, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: New Car vs Fixing old car
Replies: 11
Views: 1023

Re: New Car vs Fixing old car

I think you need to talk to your mechanic (or another mechanic since the current quote is crazy expensive) to find a way to repair the car for a lot less $$$. A engine with 104 K miles is not old or worn out. I see no reason why you need a very expensive totally rebuilt motor. You should be able to ...
by btenny
Mon Oct 07, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?
Replies: 16
Views: 1490

Re: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?

I had a similar issue back when with a broken elbow. I did not go to the ER right away. Then when I went to the doctor three days later his office had trouble getting approval for a emergency surgery with my insurance and what they would pay. They wanted to slow roll it sometime in the next 2 weeks ...
by btenny
Thu Sep 26, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Resources for dealing with very! difficult employees
Replies: 13
Views: 1603

Re: Resources for dealing with very! difficult employees

When I was younger person and managed teams in Mega Corp there were always bad employees. Some were just not suited to a particular job, some were lazy, and some were trouble makers and so forth. I mostly tried moving people within the team to get better performance and a better attitude. I also pro...
by btenny
Mon Sep 23, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8134

Re: First car for child

Well in Phoenix (and everywhere out west) it is illegal to have any person ride back in the open bed back of a pickup. They stopped letting people ride back there a long time ago after some bad wrecks. My oldest kid (over 40 now) drove a small sedan and wrecked that when someone pulled out in front ...
by btenny
Sun Sep 22, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8134

Re: First car for child

I second or third the hand me down car idea if you have older cars. Give your kid the old car and buy yourself a new car. This gives them transportation for a few years and teaches them thrift. But if you need to buy a car for your kid I am a big fan of small 2 door pickups for young kids. Small tru...
by btenny
Sun Sep 22, 2019 1:28 pm
Forum: Personal Investments
Topic: I am being asked to retire. Am I ready?
Replies: 84
Views: 10685

Re: I am being asked to retire. Am I ready?

You should retire now. You have saved a ton of money and are all set financially. Yes you will have to pay some attention to your spending and keep investing but you have plenty of money to last for your lifetime. SO let your company lay you off and give you that riff package. Talk to them and see i...
by btenny
Wed Sep 18, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8192

Re: Alternatives to Subaru Outback?

I am a big fan of the older model Outbacks with the 6 cylinder engine and 5 speed transmission. I have a 2013 model and really like it. It has great acceleration and drive-ability and is great in the Tahoe snow and mountains. It is more of a utility wagon. The drivers seat is good but the passenger ...
by btenny
Tue Sep 17, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Retirees that have hobbies that make money - what are they?
Replies: 26
Views: 3328

Re: Retirees that have hobbies that make money - what are they?

I taught snow skiing for 6 years after I early retired. I earned a fair amount of money each winter and got in great physical shape with all the outdoor exercise. I taught kids for 4 years and adults for two years. Both jobs were a lot of fun. I also got free skiing lessons when I was not working an...
by btenny
Sat Sep 14, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Selling an old player piano and lots of song rolls
Replies: 17
Views: 1353

Re: Selling an old player piano and lots of song rolls

There is a museum in Phoenix Arizona called the Music Instrument Museum (MIM). They have a huge collection of player pianos and paper rolls and related materials. Try calling them. They might want your old piano or the paper rolls or both.

https://mim.org/

Good Luck
by btenny
Tue Sep 10, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can this girl "go wild?"
Replies: 33
Views: 5264

Re: Can this girl "go wild?"

Yes you can go wild and spend some extra. You have huge excess income. So spend a little and enjoy life. But be careful doing big purchases. Expensive new sports cars or expensive antique furniture or airplanes etc. could bust your budget. We are in a similar situation with more income available to ...
by btenny
Wed Sep 04, 2019 11:28 am
Forum: Personal Investments
Topic: Retirement reserve help
Replies: 8
Views: 883

Re: Retirement reserve help

I keep several years of $$ in muni bonds in my taxable account at all times. I draw from this for living expenses. I did this in my 50s to keep income low and do Roth conversions.
by btenny
Sat Aug 31, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Advice for after getting high income
Replies: 46
Views: 6270

Re: Advice for after getting high income

I suggest you spend some time with your parents and talk about their finances and home situation. If possible I think you should help them buy and pay off a nice permanent home. Maybe pay off their current mortgage or help them remodel their home so it is real nice for their retirement and still 100...
by btenny
Sat Aug 10, 2019 6:11 pm
Forum: Personal Investments
Topic: Laid Off - Need Advice
Replies: 48
Views: 3803

Re: Laid Off - Need Advice

Do not hire a expensive adviser . You have done fine on your own so far. You have about 45% or so in stocks and 55% in cash. Modest risk but not bad. Do not worry about these until you solve the job or retire issue and the long term insurance issue. I suggest talking to a Vanguard adviser after you ...
by btenny
Sat Aug 10, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3171

Re: Medicare vs Eye Docs

Thanks everyone. Your comments have helped me understand the situation a lot better. I have decided to slow down and only see a new Optometrist soon. He comes highly recommended by several people and is located right in my small town. I will ask him lots of questions and follow his advice and move s...
by btenny
Sat Aug 10, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency medical insurance (Helicopter transport, etc)
Replies: 32
Views: 3167

Re: Emergency medical insurance (Helicopter transport, etc)

My wife and I both have Air Care insurance for emergency transport. I think we pay about $60 per year. It covers a lot of small towns all over the US. We live in Tahoe part time and buy insurance in case we need a helicopter ride of 50-100 miles to a big hospital. A few of our friends have used the ...
by btenny
Tue Aug 06, 2019 5:47 pm
Forum: Personal Investments
Topic: Closing Wells Fargo Advisor Account - Fundsource Program
Replies: 8
Views: 579

Re: Closing Wells Fargo Advisor Account - Fundsource Program

Neither Wells Advisors or Wells Direct are a part of Wells Banking. Both are separate companies under the Wells brand. They are stock brokers. Please explain this to your sister. If you go into a WF bank and ask for stock advice or mutual fund advice the banker will get on the internet and phone to ...
by btenny
Tue Aug 06, 2019 5:01 pm
Forum: Personal Investments
Topic: Closing Wells Fargo Advisor Account - Fundsource Program
Replies: 8
Views: 579

Re: Closing Wells Fargo Advisor Account - Fundsource Program

I do not remember if My FIL had a WF Fund Source program. This was 6 years ago. I do know he had three different accounts with three different investment strategies. One account was all WF special mutual funds. They had about 5 funds in that account. We had to sell all of them and go to cash as they...
by btenny
Tue Aug 06, 2019 4:39 pm
Forum: Personal Investments
Topic: Closing Wells Fargo Advisor Account - Fundsource Program
Replies: 8
Views: 579

Re: Closing Wells Fargo Advisor Account - Fundsource Program

My FIL also had a Advisors account at WF. The fees as you describe were very high. We set up a meeting with them and they transferred all the stocks and all the $$ directly to our separate Wells Direct account. We already had that account and had been long time self directed WF customers. As I recal...
by btenny
Tue Aug 06, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 2191

Re: Shed foundation

OP. A solid cement poured foundation is the best solution. But it takes a lot of work and concrete mixing and pouring and then finishing. If you can do that it is the best solution. But it is really not necessary. A fence block foundation is also very good. The big fence blocks will not move IF you ...
by btenny
Tue Aug 06, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3171

Re: Medicare vs Eye Docs

Dame and others. Thank you for all your comments. I will now ask the Ophthalmologist nurse what the appointment includes. I am not sure if this Doc does glasses check or cataract check. But I will ask. My old Optometrist did glaucoma checks and some other stuff as well as the glasses prescription. R...
by btenny
Tue Aug 06, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 2191

Re: Shed foundation

I suggest you put in concrete fence blocks for your shed foundation instead of cement or patio pavers. They are 4-6 inches thick and designed for uses like this. They are easy to install for DIY person. See below. Just dig out the sod area a little bigger than the shed and lever the ground (see belo...
by btenny
Sun Aug 04, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3171

Medicare vs Eye Docs

I am an old guy with droopy eyelids and old glasses in need of direction. This is mostly a medicare coverage and money question so I am thinking it is OK to ask here. Please let me know if I am incorrect. Can some of you Doctors or knowledgeable people on here point me in the right direction so I do...
by btenny
Sun Aug 04, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 4924

Re: Dental implant... almost done! COMPLETE!

Boy are you so right about new unplanned dental costs. I had to have three implants due to teeth failure caused by other medical treatments 3 years after I retired. Lucky for me I was still on my corporate medical and dental plan. So my insurance paid 80% of the costs. It was around $20K and 18 mont...
by btenny
Sat Aug 03, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: For long time retirees, do you use a spreadsheet?
Replies: 37
Views: 2960

Re: For long time retirees, do you use a spreadsheet?

I have been retired for 20 years. I keep two monthly spreadsheets. One for all my accounts added up to networth and one for asset allocation across all accounts. Each is one page of data. I cross check them against each other to verify the numbers. I update them about 4 times a year. Then at year en...
by btenny
Wed Jul 31, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 157
Views: 10450

Re: Ethics of "bonus payback" when quitting a job

Have your Dad send a letter to his employer. In the letter notify them he is giving giving them four weeks notice of leaving. Tell them he was happy to help the company out by staying until November. But now they are asking for return of his bonus. So they are asking him to work an extra 2 months an...
by btenny
Wed Jul 31, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Recurring QCDs?
Replies: 7
Views: 789

Re: Recurring QCDs?

Get vanguard to issue you a checkbook for your IRA. Then write a regular check to your charity when you want. Very easy.

Good luck.
by btenny
Fri Jul 26, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Costco Citi Visa?
Replies: 34
Views: 4542

Re: Experience with Costco Citi Visa?

Works fine now. Use it only at Costco. Never other places. Had terrible trouble when moving from AMEX to CITI. They lost two amex charges for months and tried to claim extra late fee $$ when they found these old charges that were not billed and then billed me for their error. It took me two months t...
by btenny
Mon Jul 22, 2019 4:16 pm
Forum: Personal Investments
Topic: we need much less money to retire
Replies: 50
Views: 7401

Re: we need much less money to retire

I suspect that your wife will find working remote from Europe is a lot harder than she thinks. Doing internet data transfers to remote computers across international borders is hard. It takes bandwidth that is limited across oceans. It takes agreement on how to do data encryption and handle security...