Search found 4522 matches

by btenny
Wed Nov 14, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 25
Views: 1890

Re: Any space heaters that automatically maintain a temperature in a room!

I use one of these small electric fireplace heaters in my office. It has dial knob to adjust the temperature and a thermostat that shuts the heat off as the air temperature gets to the knob setting. It takes about 30 minutes to get my office to toasty 78 degrees and then the heater automatically cyc...
by btenny
Sun Nov 11, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9152

Re: retirement travel: RVs vs fly/drive/hotel

Oh I forgot. We also tried Van camping or class B camping (as it is now know) when my kids were little. I had a hippy van that had a bed in back and center area for kid sleeping and a camp stove and so forth. It was fun but challenging in lots of ways. We had to sleep in paid campgrounds and use the...
by btenny
Sun Nov 11, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9152

Re: retirement travel: RVs vs fly/drive/hotel

I am a long time car trip person. Started going on car trips with my dad as a kid. Loved riding and seeing stuff and talking about the sights as we drove along. In those days we mostly stayed with relatives. Now that I am retired and older I stay in my second home or with relatives and friends a lot...
by btenny
Sat Nov 10, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Alcohol related gift idea - nice glasses for drinking spirits?
Replies: 17
Views: 1465

Re: Alcohol related gift idea - nice glasses for drinking spirits?

I keep a set of these stainless steel balls in my freezer for those that like neat drinks and other people who like cold wine. I also use them when I forget to chill the white wine. They work great. https://www.amazon.com/Whiskey-Axe-Premium-Stainless-WhiskeySphere/dp/B076ZZXCC1/ref=sr_1_5?ie=UTF8&q...
by btenny
Thu Nov 08, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9649

Re: Favorite "free stuff"?

I get free bagpipe concerts about once a week at my library. The librarian is a piper and goes out and marches and plays at lunch all summer. I also get 2 or so free author lectures and readings at our branch library most summers. I used to give the library my old used paper books. But now I read mo...
by btenny
Thu Nov 08, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9649

Re: Favorite "free stuff"?

Fireworks show on July 4th Thursday evening free music concerts on the beach at Pat's Hotel Free wine sample at art walk evenings Free food samples at Costco Free food and wine samples at Frys Free wine tasting for me and friends at my favorite winery and associate wineries. Free Christmas music con...
by btenny
Thu Nov 08, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Anyone here retire in two homes
Replies: 24
Views: 3042

Re: Anyone here retire in two homes

Other things I have found about having two homes in retirement. 1. You cannot rent a good quality condo or home for only 3-6 months and expect to be able to rent it again next year. There is just too much competition for rentals from people who rent year round or vacation rent at really high prices ...
by btenny
Thu Nov 08, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Anyone here retire in two homes
Replies: 24
Views: 3042

Re: Anyone here retire in two homes

I have been retired for 19 years. I have had two homes for fifteen years. We summer in Tahoe and winter in Phoenix but also go back and forth other times. We love it and it has been wonderful and fun. It is expensive and time consuming to get stuff fixed and keep both places in good shape. We probab...
by btenny
Wed Nov 07, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead-ing with an Inherited Wells Fargo IRA
Replies: 5
Views: 526

Re: Boglehead-ing with an Inherited Wells Fargo IRA

Transfer the money to a Wells Trade self directed brokerage inherited IRA account. Buy VTI for the stock allocation and BND for the bond allocation with a 60/40 split. They are Vanguard ETFs that trade like stocks so the fee is $7 . Much cheaper and easier to manage than mutual funds for this small ...
by btenny
Tue Nov 06, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Issues
Replies: 5
Views: 1240

Re: IRS Issues

Thanks for the advice. I looked around at my travel files and found copies of the stuff I sent the IRS. So now all I need to do is figure out what to send in. After more reading of the instructions I think I need to do a 1040X for each year plus a form 5329. One form of each for each year I goofed u...
by btenny
Tue Nov 06, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Do older 4x4 vehicles hold higher salvage value?
Replies: 14
Views: 1211

Re: older 4x4 vehicles hold higher salvage value?

IMO, yes for most of them as the suv or truck can be sold off piece meal as parts. This is because there is strong market for the used parts to repair old 4WD suvs and trucks. Where as the market for used parts to repair older 2WD cars is more limited. Those cars are usually scraped as they get older.
by btenny
Tue Nov 06, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 7938

Re: Teaching kids there is an ample amount of money

One of my neighbors in Tahoe lives primarily in San Diego where housing prices are crazy expensive. Both his kids are new teachers with very modest salaries. So he has committed to "helping" each kid buy a home in San Diego. So the kids are buying $1.xM homes as that is what nice homes near him cost...
by btenny
Mon Nov 05, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance
Replies: 10
Views: 1310

Re: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance

Big fan of Hartford insurance. Great service and low cost. Have had claims and they were settled fast and pain less. Friends lost whole house in forest fires and were treated great. Same for lots of their neighbos. So Hartford does good by customers. Call them or go to AARP and they will route you t...
by btenny
Sun Nov 04, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 7938

Re: Teaching kids there is an ample amount of money

I witnessed this many years ago. One of my rich neighbors was teaching his son how to invest in the stock market when he was ten or so. He took his son to the brokerage and showed him the ticker tape and how stuff was priced and when the market was open and some other data. Then he made him read the...
by btenny
Sun Nov 04, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Issues
Replies: 5
Views: 1240

IRS Issues

Well I guess I goofed again. Back in July I found out I had not withdrawn enough from my wife's inherited IRA. I did the math wrong by a little so I needed to take out about $130 more for three previous years, 2015-2017. So I filled out forms 5329 but used the 2017 form with the date crossed out abo...
by btenny
Fri Nov 02, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5203

Re: People with older car, share your unusual repairs

Unusual repairs for old cars. Way back when I had a 1972 Oldsmobile 442 convertible. Wonderful fun car but was constantly braking. One day I am driving and suddenly hot water and cooling fluid starts running out of the dash on my feet. It is so bad I cannot put on the brakes or gas without getting b...
by btenny
Wed Oct 31, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4718

Re: Vehicle recommendations for long commutes in CO mountains

When I bought my Subaru one of the major issues I had was finding a car with good fog lights. In 2013 a lot of SUVs had no special fog lights or poor fog lights so were a no go for me. If you have ever driving for any time in a white out storm you know you need good fog lights. And I also wanted som...
by btenny
Tue Oct 30, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: just retired facing RMD & diversivation issues
Replies: 10
Views: 1426

Re: just retired facing RMD & diversivation issues

You need to sell all those individual stocks over this year and next and buy some total stock market or other index fund. Next year you will have RMD and even bigger taxes. You have huge single stock risk of a big loss. You can do the work or pay Vanguard but you do need to make some changes. You ha...
by btenny
Tue Oct 30, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Camping in late December-January, SW US
Replies: 16
Views: 1145

Re: Camping in late December-January, SW US

It gets into the low 30s for a week or more in Phoenix every winter in January. Plus it will only be in the 40s for all of December and January at night. You will experience this cold weather all over the southwest. So camping out in a RV with no heat at some place is going to be really cold at nigh...
by btenny
Tue Oct 30, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4718

Re: Vehicle recommendations for long commutes in CO mountains

Dustin you are right and wrong at the same time in my experience. Modern SUV do not have enough ground clearance to run in deep snow if they are too heavy. They bottom out and bog down with snow hitting the whole under carrage. So AWD and good tires does not help. Then you have to use a shovel to di...
by btenny
Tue Oct 30, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4718

Re: Vehicle recommendations for long commutes in CO mountains

Researcher. I am getting my info from first hand personal experience and observations of my neighbors. I live in Lake Tahoe (18 years) about 5 miles from 2 ski resorts and close to 5 other ski hills. We get 15 to 20 feet of snow most winters. Winter 2016/17 we got 45 feet of snow and most of that fe...
by btenny
Sun Oct 28, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Sound reduction in large house
Replies: 17
Views: 2069

Re: Sound reduction in large house

Before office cube farms we had open office bullpens. Then we bought padded stand up wall dividers like show below to make cubes to reduce the noise and give people privacy. So I suggest you put some cube partitions in your house to partition the great room into spaces for a special play area for yo...
by btenny
Sun Oct 28, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4718

Re: Vehicle recommendations for long commutes in CO mountains

Most of you guys/gals are missing why Subarus work so well in snow. The car is light and has wide big tires and has lot of road clearance. So it gets up on top of the big snow and runs shallow so it does not bog down like most other cars. Likewise the big tires let it go over big snow berms and big ...
by btenny
Sat Oct 27, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4718

Re: Vehicle recommendations for long commutes in CO mountains

HI Chin I do not think you need another winter car. I live in Tahoe and everyone I know has at least two cars, one for winter and one for summer. SO I think you need to buy a second car for summer and spring and fall. Buy something like a Lexus RX350 that you can use when the weather is nice or even...
by btenny
Thu Oct 25, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Has anyone had success getting reimbursed for repairs later covered under a Recall?
Replies: 7
Views: 693

Re: Has anyone had success getting reimbursed for repairs later covered under a Recall?

I did but had to take GM to small claims court to get my money back for clear coat paint and front alignment issues with an ASTRO van. Latter I also had big oil leak issues (bad gaskets) with a Pontiac and got no response from GM. I just forgot it that time and swore I would ever own a GM car again.
by btenny
Wed Oct 24, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: ACH Transfer Times
Replies: 8
Views: 738

Re: ACH Transfer Times

At Wells Fargo it depends. I got a 4.5 day ACH transfer time when I sent my kid some money when she was in England. The bank said the money had to go through Germany and then back to England for some reason. The bank said this extra day was caused by her English bank being head quartered in Germany ...
by btenny
Tue Oct 23, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 36
Views: 2841

Re: How often does Costco have the deals on 4 Michelin tires?

The Costco by me has them on sale for $130 off right now. I bought a set of four for my Subaru last week. That was Carson City Nevada.
by btenny
Mon Oct 22, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25612

Re: PSA: Don't buy a big house

Sunny. I bet your power bill will go up significantly this winter when you have to heat that space and next summer when you have to cool that space. Plus you will add more power intensive stuff to fill all that space. I bet many new toy things like a wine cooler and a extra freezer and a pool and a ...
by btenny
Sun Oct 21, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Globus Journeys - tour group
Replies: 8
Views: 600

Re: Globus Journeys - tour group

I took a Europe wide tour with my teenagers and wife back in 1995ish with Globus. It was great but fast. It was 20 days for 8 countries as I recall. The tour included the bus and a English channel ferry and the hotels and many meals. The ride along tour guide was great. He was a English boarding sch...
by btenny
Sat Oct 20, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: New early retiree, looking to start this off correctly
Replies: 5
Views: 1543

Re: New early retiree, looking to start this off correctly

I do my taxes in March and then take my rmds and rebalance all my investment accounts in June. When I do this rebalance I put 2 years of spending in cash in taxable. I also put 3 years of spending in limited term muni funds as well. I do not reinvest dividends or interest in my taxable account. I mo...
by btenny
Sat Oct 20, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Received strange letter from IRS
Replies: 14
Views: 2792

Re: Received strange letter from IRS

I got a similar letter when I revised my return for some added income. I had to take a little more rmds from a inherited ira. I was told this is normal and to not expect further correspondence. The letter is to tell you they are looking at the return. Did you revise your 1040? Or do some other stuff...
by btenny
Sat Oct 20, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: “The Worst Kind of Bear Market”
Replies: 23
Views: 4666

Re: “The Worst Kind of Bear Market”

This inflation issue is why many old timers are big fans of dividend stocks like utilities and reits. They hold the line on value in inflation and pay you a nice dividend to hold them. They also hold more value in down markets due to these dividends vs non dividend stocks. Many guys like Warren Buff...
by btenny
Wed Oct 17, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 1859

Re: Sneakers with good arch support

I had lots of feet issues starting in my 40s from walking constantly on hard cement floors at work. I changed to New Balance walking shoes with a "Roll Bar" and special arch support. My feet loved them. I buy a pair or so per year and have for the last 20 years or so. They make the Roll Bar versions...
by btenny
Wed Oct 17, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 79
Views: 4925

Re: Personal Adventure - recommendations

Buy a boat and cruise the canals of Europe for a summer or a year or more. Or buy another boat and cruise the Carribean islands. https://www.french-waterways.com/practicalities/canal-route-mediterranean/ https://www.amazon.com/gp/product/B00IGCVGG6/ref=as_li_tf_tl?ie=UTF8&camp=1789&creative=9325&cre...
by btenny
Wed Oct 17, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 79
Views: 4925

Re: Personal Adventure - recommendations

You obviously like boats so I second the recommendation to take a long boat trip around the "Great Loop". It takes 2-12 months or even multiple years if you do the loop in segments. It takes a lot of planning. It is fun single handed or for couples or families. You can spend a lot of time on board o...
by btenny
Sat Oct 13, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5532

Re: Weigh in on our Marital Argument =)-- HCOL edition

You need to stay where you are while your husband looks for a new job out of NYC. The HCOL in a very small apartment in NYC is killing your life and it will only get worse as your kids get bigger. You both can take big pay cuts to live somewhere else that is cheaper and more conducive to real family...
by btenny
Sat Oct 13, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1788

Re: Census

Thanks for the responses. I did some more digging and found the following. The request is the American Community Survey from the census bureau. Answering it is required by law. It does not ask for my SS number. But it does ask for lot of very intrusive data. I guess I have to do this survey or at le...
by btenny
Fri Oct 12, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1788

Census [Received form in mail]

I got a form in the mail last week that looks like it is from the federal govt. It asks me to log onto a website and provide detailed census data and my social security number and other details. It says response is required by law. I got a follow up form today asking again for the data. Did anyone g...
by btenny
Mon Oct 08, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3458

Re: What are your strategies when shopping for a house?

Most home buyers miss the location location issue big time and flop around a lot by looking in the wrong places. Finding a good home takes time and effort. Look at a lot of homes and be patient. I took over a year each time I moved and bought my next home. Both times we used the process below to sel...
by btenny
Mon Oct 08, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: shingles or metal roof and open cell foam or cellulose
Replies: 2
Views: 352

Re: shingles or metal roof and open cell foam or cellulose

I live in Tahoe part time and there are lots of metal roofs. I see lots of issues with them. They are not 30 year roofs, more like 10 years. Metal roof paint dries out and wears off to shinny metal after a few years. Metal roofs rust around the screw holes. Both conditions look bad. No fix is availa...
by btenny
Mon Oct 08, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19113

Re: Talk me out of buying a Tesla Model 3

I am sorry but IMO you do not have enough money saved to justify spending that much for a car. If you were making say $300K and had savings of say $2M to $3M then I would say go for it. But you just are not that rich for a guy who is 45. Go buy a lower cost car and keep saving that $700 per month. G...
by btenny
Sun Oct 07, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Retired 66 year old
Replies: 10
Views: 2253

Re: Retired 66 year old

Please tell us your spending in detail if possible. The issue with your safe plan and not spending any of your investments is inflation. The $48k you are budgeting may be too low to support you in 10-15 years or so as inflation cuts your effective income in half.... Or what happens to your budget wh...
by btenny
Sun Oct 07, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: David Stein Money For the Rest of Us, and the Shrinking stock market
Replies: 2
Views: 783

Re: David Stein Money For the Rest of Us, and the Shrinking stock market

Clearly the number of companies that are public is going down dramatically. See below. I am not an economist so I have no idea about the reasons why. But I do know from personal experience that there is just a ton more readily available private money to fund small companies. In the 1970s I did a sma...
by btenny
Sun Oct 07, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement health insurance from employer
Replies: 9
Views: 1102

Re: Early retirement health insurance from employer

I retired in 1998 and paid in $150 per month for my employer health insurance. When I went on medicare 12 years later I was paying $950ish. So expect significant cost increases and benefit changes and plan accordingly.
by btenny
Sat Oct 06, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3397

Re: Garage Shelving?

Go to some garage sales around town. Buy a old bedroom dresser that has 4-6 drawers for $25 and put that in your garage. Put various junk in each drawer. Screws stuff drawer 1, nail stuff drawer two, electrical stuff drawer 3, plumbing stuff drawer 4, big tool box on top plus extra space for a work ...
by btenny
Thu Oct 04, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3292

Re: Opinion's: Best time to withdraw RMD's when required to do so.

I did several QCDs to selected charities in june. Then I took the rest of the rmds in july. Had a lot of taxes deducted from the rmds, both irs and state. Was 70.5 in March and did taxes then as well so wanted to make sure that was done before doing rmds. Did not want to wait till December and be pr...
by btenny
Thu Oct 04, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial land for sale, agent and seller are one
Replies: 6
Views: 401

Re: Commercial land for sale, agent and seller are one

The seller is negotiating. He is in no hurry to sell and he thinks waiting and slow rolling will bring a better offer.
by btenny
Sun Sep 30, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Now or Wait
Replies: 18
Views: 1631

Re: Retirement Now or Wait

I suggest you aim for retirement at 2018 year end. You have plenty of money to support your life style on just your savings. In fact your savings will support your lifestyle and a good deal of added fun money in retirement. Plus I suspect you are eligible for Social Security so you will never spend ...
by btenny
Fri Sep 28, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: cleaning lady stealing
Replies: 49
Views: 7481

Re: cleaning lady stealing

Snack. I do not know your friends but IF I encountered them rifling through my medicine cabinet and taking out pills I would yell and scream at them and throw them out. Likewise I would also yell and scream at them if I witnessed them doing this to any of my friends or other persons home. I suggest ...
by btenny
Fri Sep 28, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: cleaning lady stealing
Replies: 49
Views: 7481

Re: cleaning lady stealing

Be thankful they only stole a few pills. My baby sitter stole my 50 silver dollars when she ran off with her boyfriend. They were old and mostly real sliver so major $$ and keep sakes from my Dad. Or another time my male housekeeper of 6 years left a hard porn tape in my VCR that my kids turned on a...