Search found 5049 matches

by btenny
Thu Jul 18, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 64
Views: 4150

Re: Has anyone seen the documentary "Playing with FIRE?"

I lived through this FIRE stuff. I retired at 52 in 1998. I suffered through the 2000-2 recession and the 2008-9 recession. Both were scary and I had significant losses but stayed invested. Retiring early was one of the best decisions of my life. I retired because I discovered there is more to life ...
by btenny
Thu Jul 18, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Home Renovations Can We Afford Them?
Replies: 4
Views: 475

Re: Home Renovations Can We Afford Them?

You can afford all three. But if you are concerned I suggest you sequence out the upgrades over 2-3 years. Do the first set in one year and then wait for 1-2 years and do the next set. That way you are not spending more than $30K extra in any one year. Then if things get bad you can postpone things ...
by btenny
Thu Jul 18, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: If you own a sportfishing boat...when did you pull the trigger?
Replies: 9
Views: 405

Re: If you own a sportfishing boat...when did you pull the trigger?

I have a friend who owned a 26 foot sport fisher. He fishes about 5 days or more a week all summer off the coast of northern California. He is an amazing fisherman. He goes out about 20-40 miles and fishes for 3-4 hours and catches the limits for those on his boat. He catches linc cod and rock cod a...
by btenny
Thu Jul 18, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 49
Views: 2739

Re: Garage Organization

I organize my garage and yard stuff into 4 groups, yard stuff, house tool stuff, bigger misc stuff, and things like screws and nails. The yard stuff is stored outside. All the other garage stuff is stored inside on the three walls in cabinets and on shelves. I keep my bikes out side. When everything...
by btenny
Wed Jul 17, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: from Seattle (WA) to Inverness (Scotland) and back
Replies: 23
Views: 1341

Re: from Seattle (WA) to Inverness (Scotland) and back

Dover. Way back in 1996 I took a Hoover Craft from Calais to Dover as a return trip from Europe. It was a cool fun ride over rough seas but extremely noisy. That craft does not operate any more. We also rode a over night passenger ferry from England to Rotterdam. We had a room for sleeping but it wa...
by btenny
Wed Jul 17, 2019 7:02 pm
Forum: Personal Investments
Topic: Been reading/learning for some time. Joined recently. Hesitant to pull the trigger.
Replies: 23
Views: 1798

Re: Been reading/learning for some time. Joined recently. Hesitant to pull the trigger.

Congratulations. I think you can retire now and not worry about money. You have enough to withdraw 3% to 4% and have it last a lifetime. 52 is a good age to retire. I retired 20 years ago at 52. It has been wonderful. You are young enough to still have lots of energy and have fun doing things but ol...
by btenny
Wed Jul 17, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Working 4 days a week?
Replies: 39
Views: 2799

Re: Working 4 days a week?

You might also consider only working 4 days a week in the summer. Take a single vacation day every week for ten weeks of summer and go on long weekends with the family. I suggest you start doing this right now if your benefit plan allows it. You can do this with no salary or benefit cut. So just wor...
by btenny
Wed Jul 17, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 36
Views: 2917

Re: New Subaru Outback Engine Offering for 2020

I suggest you dig around and find out what transmissions they are planning for the 2019 and 2020 Outback models. That will effect how the car performs (and the reliability) as much as the new engine. The CVT is a fairly new design for better MPG but has lower performance. TBD how it will mate and wo...
by btenny
Tue Jul 16, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for extended illness?
Replies: 35
Views: 1720

Re: How to plan for extended illness?

If you have disability insurance I think that is about the best you can do. Check the terms of the insurance and make sure it will kick in after 3-6 months off work and doctors reports. Make sure you do not have to convince to many insurance company doctors you are really sick to get some sort of sa...
by btenny
Mon Jul 15, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2334

Re: Baking in the summertime?

I agree with Turbo. A regular oven heats up the kitchen in the very hot summer conditions. So it just makes a lot of sense to move the toaster oven out to the porch. Many here in Phoenix do that. My BIL does it. I do it. Plus we just do not use our regular oven during the summer. We grill outside. W...
by btenny
Mon Jul 15, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: from Seattle (WA) to Inverness (Scotland) and back
Replies: 23
Views: 1341

Re: from Seattle (WA) to Inverness (Scotland) and back

You can also book a non stop flight from London Gatwick direct to Inverness. There are two flights a day and the cost is low. I do not know how the connections will work. The carrier is Easy Jet which is one of the ultra low cost airlines so the seats are cramped and the service is not good. I have ...
by btenny
Mon Jul 15, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: from Seattle (WA) to Inverness (Scotland) and back
Replies: 23
Views: 1341

Re: from Seattle (WA) to Inverness (Scotland) and back

Fly direct on Norwegian Air from Seattle to London Gatwick. Then take the subway (Tube) from Gatwick to Kings Cross and then catch a train to Inverness. I have done this trip from Oakland to St Andrews. It is easy but long. Make reservations for First Class on the train to Scotland as they run the t...
by btenny
Sat Jul 13, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Android storage leaks?
Replies: 5
Views: 448

Re: Android storage leaks?

Look around. I bet you have a lot of temp storage from old files. Delete them.
by btenny
Fri Jul 12, 2019 9:44 pm
Forum: Personal Investments
Topic: Engineer to Potato farmer? What are retirement options?
Replies: 11
Views: 1632

Re: Engineer to Potato farmer? What are retirement options?

From what little I know about farming this sounds like too many bosses (one Dad boss and three sorta boss brothers) and not enough workers for 1200 acres. It probably would work a lot better with only one brother and your Dad and some workers from a profit and income basis. And maybe your Dad needs ...
by btenny
Thu Jul 11, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: 2016 Car with only 11,000 miles?
Replies: 32
Views: 2906

Re: 2016 Car with only 11,000 miles?

I bet it is just a low use owner. There are lots of older owners who lease or buy a new car every few years because they want a new car. But they really do not drive much. I know I bought a 2016 Lincoln MKX in January that only had 19K miles. The first owner just did not drive much. I think I got a ...
by btenny
Wed Jul 10, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 87
Views: 4235

Re: Automatic Watches

I bought my wife a Seiko solar watch about 4 years ago. It is pretty fancy but was not too expensive. It has not been adjusted or changed in all that time and still shows the correct time. I know she will eventually need to change a battery but they say it will last 10-20 years. So some of them are ...
by btenny
Wed Jul 10, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: my best new travel tip only $2 per day more [airport parking]
Replies: 59
Views: 5977

Re: my best new travel tip only $2 per day more [airport parking]

ON a side note about a long true story. Has anyone else lost their car in remote parking when traveling? My wife and I went to England and Europe 2 years ago for 4 weeks. We left Tahoe by car and drove to the Oakland airport for low cost over seas travel. We reserved and paid in advance for off airp...
by btenny
Wed Jul 10, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: my best new travel tip only $2 per day more [airport parking]
Replies: 59
Views: 5977

Re: my best new travel tip only $2 per day more [airport parking]

My friends use the Reno airport and live in Tahoe. So it is a 40 mile drive to the airport. They take long trips so parking is expensive. They could take a community shuttle van but that has issues and is not cheap and only runs until 6 PM or so. So not a good option. The Lexus dealer is close to th...
by btenny
Wed Jul 10, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 43
Views: 2520

Re: Friend's car caught in flood ?

The car has been flooded and should be totaled. It will probably never run and work right again. He should call his insurance company and get them involved. They will total the car and give him replacement value. Good Luck. PS. A similar thing happened to my son. His car was parked near his lake con...
by btenny
Tue Jul 09, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: my best new travel tip only $2 per day more [airport parking]
Replies: 59
Views: 5977

Re: my best new travel tip only $2 per day more

Some friends of mine travel extensively and use the Lexus car dealer near the airport to store and park their car when they travel. Many times they also get free rides from the dealer to the airport and vice versa. So a real bargain. And yes they own two Lexus SUVs and get them serviced at that deal...
by btenny
Mon Jul 08, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any place you can buy a house for 50k west of Kansas?
Replies: 27
Views: 3718

Re: Is there any place you can buy a house for 50k west of Kansas?

Here is a very nice Mobile Home in Las Vegas for $30K with a lot rent of $722. There are lots of them for about this price all over the US in various towns. https://www.zillow.com/homedetails/1111-N-Lamb-Blvd-SPACE-127-Las-Vegas-NV-89110/243060663_zpid/? Here is another MH in Mesa Arizona for $35K. ...
by btenny
Sun Jul 07, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Hybrid Water Heater
Replies: 22
Views: 1425

Re: Hybrid Water Heater

Yes I could put in a Mini Split and forget about the HPWH. But that creates a problem in where to locate the condenser and compressor unit. My garage has a flat roof. It faces east and the south side wall faces my neighbors yard and is about 15 feet or so from his living room. That wall is where my ...
by btenny
Sun Jul 07, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Hybrid Water Heater
Replies: 22
Views: 1425

Re: Hybrid Water Heater

Bernies Dad. I have lived in southwest Arizona for 65 plus years. In that time I have traded several cars that were poor looking due to heat destruction and UV rays. They were also getting old and had lots of miles. So I traded before the sun rot got too bad. But now that I am old I do not drive as ...
by btenny
Sun Jul 07, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Hybrid Water Heater
Replies: 22
Views: 1425

Re: Hybrid Water Heater

Tomato. Thank you. Those noise and recirculating water issues are exactly some of the things I was worried about besides the cooling effect. This home is my retirement home. It only has a attached garage and no separate utility closet. So the water heater is in the garage and about 10 feet from the ...
by btenny
Sat Jul 06, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 82
Views: 4599

Re: 50-60k boat purchase??

I say no newer boat for now. But yes in 5-6 years. Plus that time will give you time to save up the money to pay cash. My issue is boat prices are crazy high right now and way beyond reason. Plus I think your boating needs will change (maybe a lot) in the next 4 years as your kids get older. When yo...
by btenny
Sat Jul 06, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: HVAC possibly damaged by lightening
Replies: 10
Views: 649

Re: HVAC possibly damaged by lightening

I suggest you buy a total new AC unit and totally replace your old unit. If lightning killed those two things it is likely there is damage to many other things that will die soon. Since the unit is 11 years old already it is not likely to last past 15 years. So I suggest you just pay the bill and ge...
by btenny
Sat Jul 06, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Banking for Nomads
Replies: 26
Views: 2412

Re: Banking for Nomads

I am a snowbird and constant traveler and have been for 19 years. I am a very long term Wells Fargo client who uses all their services. I have used their services all over the US and the world. I have never paid a ATM fee even when I travel out of the country and make withdrawals at foreign ATMs. Th...
by btenny
Fri Jul 05, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3262

Re: Does this car exist? Sexy convertible with a backseat

And for all you old guys the Olds 442 Convertible for model years 1970-72 was a great car. Probably one the best convertibles ever made. But is was not very reliable. Only fast and fun. It had a real back seat and a giant trunk. I owned one for years. Mine was the 455 V8 with the Hurst shifter. http...
by btenny
Fri Jul 05, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3262

Re: Does this car exist? Sexy convertible with a backseat

OP. You really need to go look at and drive the MB E350. It is a really cool car with a ton of features and nice driving. It has a big backseat. It has a big trunk. It has good suspension and rides nice and is quiet with the top up. It comes in a ton of exterior and interior colors. There are lots o...
by btenny
Fri Jul 05, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Hybrid Water Heater
Replies: 22
Views: 1425

Re: Hybrid Water Heater

Tomato. Why are you unhappy with your HPWH? Does it not work well or is it too slow to recover?

Please advise...
by btenny
Fri Jul 05, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Hybrid Water Heater
Replies: 22
Views: 1425

Re: Hybrid Water Heater

I agree a regular small AC unit would cool the garage better. But to install a AC unit is big deal in my garage. I need a new power setup and holes in my wall or my roof for new AC unit. So a lot of work and a lot of money. Most likely $5K or more. Plus I still need to insulate the garage door and m...
by btenny
Fri Jul 05, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Hybrid Water Heater
Replies: 22
Views: 1425

Re: Hybrid Water Heater

Thanks for the responses everyone. Based on the pricing I have done so far I estimate mine it going to cost about $2K. I think I will get that back in 8 years or less. I am going to add a second valve to the heater to dump hot water to my irrigation line. That way I can set the heater to low and dum...
by btenny
Thu Jul 04, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Hybrid Water Heater
Replies: 22
Views: 1425

Hybrid Water Heater

I live in Phoenix and am thinking about changing out my electric storage water heater for a new hybrid heat pump water heater type. I want to make some changes for multiple reasons but need some advice on the costs and issues and what exactly to do. 1. My garage is very hot and needs some type of co...
by btenny
Wed Jul 03, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3262

Re: Does this car exist? Sexy convertible with a backseat

The Mercedes E class is a great 4 seat convertible. The older ones are E350 and E550. The newer ones are E400 and E450. All are good looking nice driving cars with room for four adults via a real back seat. Price is $28k or less for 6 year old and up from there to $60k for new. Older ones need airba...
by btenny
Tue Jul 02, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new home before putting current home on the market?
Replies: 25
Views: 1521

Re: Buy new home before putting current home on the market?

I did the two houses route when I downsized two years after I retired. I took out a regular home mortgage with slightly higher mortgage rates that was a "stated income loan". I did this as I was no longer working but had many investments and I did not want to liquidate lots of stock and pay capital ...
by btenny
Sun Jun 30, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Bahamas Cruise in July
Replies: 13
Views: 1099

Re: Bahamas Cruise in July

Hello. I know this sounds good to you but IMO this is just a bad idea for your Mom for lots of reasons. I suggest a stay at a good hotel or resort near your Moms home. Choose one with a good activities pool for the kids and wheel chair rooms for your Mom and a great buffet and restaurant where every...
by btenny
Sun Jun 30, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4599
Views: 1182728

Re: What Movie Have You Recently Watched?

We just watched Men In Black International on the big screen. This third installment in the series was fun and fast with tons of action like the first shows. But it lacked the humor of the space aliens and the humor of Will Smith and his partner. So much less entertaining. I give it a 3/5 grade. Any...
by btenny
Sun Jun 30, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: Is anyone else worried about tech becoming too big/overvalued?
Replies: 54
Views: 4210

Re: Is anyone else worried about tech becoming too big/overvalued?

I am more worried about the PE ratio of 56 for the whole healthcare sector. Some sub sectors have PE of 150. This could drop a lot for lots of reasons. Right now everyone wants to work in the field. Tons of people are making giant salaries that can go nowhere but down...... Similar issues exist for ...
by btenny
Sun Jun 30, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking Through Buying a Property
Replies: 10
Views: 1025

Re: Thinking Through Buying a Property

I like option 3 with a commute of 20 minutes or less for 2-3 years. Save some $$ for now. Then buy if job works out good. By then you will know new city and good locations and good commute paths. Do not buy right now. You have too many unknowns in this new city.

Good luck.
by btenny
Sun Jun 30, 2019 11:47 am
Forum: Personal Investments
Topic: Optimum distribution strategy after retirement in 2022
Replies: 21
Views: 1387

Re: Optimum distribution strategy after retirement in 2022

When I first early retired I was not taking SS or my pension so I withdrew $3K or so every month to pay my bills. I manually moved this money from my taxable investment account money market cash to my checking account. I kept a years worth of cash in this taxable investment account. I replenished an...
by btenny
Sun Jun 30, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Medical Evacuation Insurance
Replies: 14
Views: 1200

Re: Medical Evacuation Insurance

We have Cal Star (now Air Med Care evacuation) insurance. It works great. We buy it for $65 for two of use to allow fast transport to a major hospital from Tahoe. There is a small local hospital but if you are bad hurt it is a 40-60 miles drive to a major hospital. And yes it pays and is good all ov...
by btenny
Sun Jun 30, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: What's tripping the trap now?
Replies: 12
Views: 1664

Re: What's tripping the trap now?

In Arizona large rats in citrus tree locations are usually roof rats. They live above the ground in nests in the tree branches and eat the fruit. If you have downed fruit with holes in them this is the likely culprit. Or they come down and eat your dogs food. These rats are harder to catch and smart...
by btenny
Sun Jun 30, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: What's tripping the trap now?
Replies: 12
Views: 1664

Re: What's tripping the trap now?

Some birds like peanut butter and know that pecking the trap will set it off. After the trap is sprung they take their time to eat the bait. So set the trap under a bush or down a mouse hole so it is more difficult for them.

Good Luck.
by btenny
Wed Jun 26, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Hiring landscapers that do a great job
Replies: 18
Views: 1401

Re: Hiring landscapers that do a great job

I live out west and have had several homes. I have had about 8-10 lawn guys over the years. I have never had one who was actually a good gardener. The lawn guys want to blow and mow and go. They treat everyone the same. For this service I pay $55 per trip to clean up my whole front and back yards on...
by btenny
Mon Jun 24, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Re Buying a higher miles but higher end used vehicle... where?
Replies: 19
Views: 2342

Re: Re Buying a higher miles but higher end used vehicle... where?

My BIL has been buying and driving older luxury vehicles for 15 years or more. He and his wife do not drive long commutes so his mileage per year is low. He shops all over the US but factors shipping or fly to pickup costs in the price. He uses the internet to find cars and then plays twenty questio...
by btenny
Sat Jun 22, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Wintering Over 2020
Replies: 14
Views: 1742

Re: Suggestions for Wintering Over 2020

After the New Years I would go down to the Florida Keys for a month or two to fish and boat and walk the beach and set on the beach. It is wonderful down there in mid winter. It is warm even in January. Look around now for rentals. Go to the middle keys and Key West. Then in March I would rent a pla...
by btenny
Sat Jun 22, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4262

Re: Anyone moved cross country. How did you manage to do it without going nuts??

Please get a written job offer for your wife for the So Cal job and a firm start date. Make sure that letter covers offer details and moving expense details and benefit details. Then build your plan around that letter. You could be really messed up if you sell your home and move and then have no job...
by btenny
Thu Jun 20, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Another Can I retire Post? - Age 58
Replies: 22
Views: 3023

Re: Another Can I retire Post? - Age 58

Yes you can retire now. You have enough saved and invested to drawn down about $40K per year (3%) plus your $46K pension. This is more than your budget. But this includes two assumptions. Your kids are young and need your support for a lot longer. How much will you need to spend per year and for how...
by btenny
Wed Jun 19, 2019 7:10 pm
Forum: Personal Investments
Topic: Topic: tiny house + property good or bad investment?
Replies: 39
Views: 3260

Re: Topic: tiny house + property good or bad investment?

Many places will let you store a RV or boat or a trailer in your yard for long periods. BUT if you let some one live in the RV it is illegal and probably violates the city or county ordinances.
by btenny
Wed Jun 19, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Recommendations for nice but affordable rugs
Replies: 3
Views: 365

Re: Recommendations for nice but affordable rugs

My wife likes the At Home store. We shop for many different home items there. We bought a nice family room rug there for $140 for a 8 x 10 size. So very low cost but OK quality.

https://www.athome.com/rugs/

Good Luck.