Search found 4999 matches

by btenny
Sat Jun 15, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark
Replies: 17
Views: 1202

Re: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark

We installed MiIgard Style Line windows on our home in Phoenix. They are double pane with solar tinting and argon for better sound and thermal insulation. They look nice and meet the HOA rules. The installer was very good and low cost. He matched our stucco and sealed everything up great. I do not k...
by btenny
Sat Jun 15, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 86
Views: 8014

Re: How safe are pensions in the U.S.?

I have a small private company pension. It was one of those back loaded pensions that only worked and paid out well if you worked to 65. It was cut drastically for every year you retired early. It was funded at around 75%. My company moved the liability to a Mega Insurance company and now the insura...
by btenny
Tue Jun 11, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: Careers that combine art/design and science?
Replies: 36
Views: 1505

Re: Careers that combine art/design and science?

Take her to visit and tour a minitures movie studio in LA or SF. These studios do amazing art and use lots of physics and software and computers to make movies. It is really cool stuff and talent is all that matters..

Look up New Deal studios or 32 ten studios other minitures movirs.

Good luck
by btenny
Tue Jun 11, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Its a Jeep thing?
Replies: 40
Views: 3367

Re: Its a Jeep thing?

Yes holding value is a jeep thing especialy for older Wranglers. The key is those small jeeps are just great in hard 4x4 mode.

But as you know they are not easy to drive or quiet or easy riding. So mostly a weekend car.

Good luck
by btenny
Mon Jun 10, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3553

Re: Toaster ovens - safe? better alternative?

All this "which circuit and current analysis stuff" is why I think just buying any old high power Toaster Oven may cause issues. Even if you have a brand new house and kitchen, the toaster oven may overload the circuits. SO BE CAREFUL where you plug in that new toaster oven vs the other appliances. ...
by btenny
Sun Jun 09, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3553

Re: Toaster ovens - safe? better alternative?

I said the 10-12 amps draw for a toaster oven stresses the wiring. Well it does because most modern kitchens have a coffee pot or two and a microwave oven and now a toaster over and a refrigerator and several other gadgets. In most kitchens most of these appliances are hooked up to one 20 amp circui...
by btenny
Sun Jun 09, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Car door leaking water - cost and places to fix
Replies: 5
Views: 312

Re: Car door leaking water - cost and places to fix

I had the rear door seals on my Jeep GC replaced a few years ago. Both had shrunk over time and were leaking air and water. They were $120 for both as I recall. Maybe a little more. I know it was really cheap. I got them done at a big collision repair body shop. It took 2 hours including check in an...
by btenny
Sat Jun 08, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Repairing Jacuzzi Tub Faucet
Replies: 7
Views: 382

Re: Repairing Jacuzzi Tub Faucet

I agree with doing the repair and replacing the faucet. Then get a good tile guy to install some new tile to cover the repair spot. And if you cannot match the tile put in some different color tile that acts as a accent piece..

Good Luck.
by btenny
Fri Jun 07, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

I bought a slightly used off lease Lincoln MKX Reserve in January. It is 3 years old and had 19K miles. It is a wonderful luxury SUV. It has a lot of room for 5 people and a lot of luggage space. Plus the 18 way power and massaging seats are really nice and way better on long trips than any budget S...
by btenny
Fri Jun 07, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3553

Re: Toaster ovens - safe? better alternative?

I have had several toaster ovens over the years. We use ours constantly for toast and heating stuff. We have the Black & Decker stainless small ovens now. We like the small size and simple controls. They cost $44 or so. https://www.target.com/p/black-decker-4-slice-natural-convection-toaster-oven-st...
by btenny
Wed Jun 05, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 92
Views: 7226

Re: Walking Cities, potential for retirees

I did some more research on walking distances around my neighborhood in PV mall area of Phoenix. I used Google maps to calculate distances. It uses streets to calculate distance instead of sidewalks and short cutting through alleys and going in back doors and so forth so I figure it is worst case. H...
by btenny
Wed Jun 05, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 92
Views: 7226

Re: Walking Cities, potential for retirees

I think these walking score evaluaters versus a specific neighborhood are just not very accurate. Especially for suburban modern cities. As I said about Phoenix, it is a car city. BUT certain small locations near major shopping centers are very walkable. My PV Mall area house gets a walking score of...
by btenny
Wed Jun 05, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4760

Re: Company requiring salaried employees to clock in?

Many contracts for government work (of all kinds) require employers to track how many hours people work and what the cost is for that hour of work. So employers have to put in place some sort of system to prove they know who is working what hours and where so the billing is correct. The issue is con...
by btenny
Wed Jun 05, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3092

Re: Refrigerator Advice

Talk to your wife at about the side by side style versus the bottom freezer style. Lots of people we know are not happy with their bottom freezer setups. The ice makers do not work very well. And they are so poor people end up putting store ice in the freezer and making drinks from there. It is hard...
by btenny
Tue Jun 04, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 92
Views: 7226

Re: Walking Cities, potential for retirees

I live in the PV mall area of Phoenix. Everything in the city is close. It is not exactly walkable in the classic case but very convenient. We are maybe 3 blocks from three grocery stores and about 30 restaurants in one direction. Then we are 5 blocks in the other direction from a big clothing mall ...
by btenny
Tue Jun 04, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8210

Re: Costco or Sam's Club?

The Costco stores by us are crowded on the weekends. They serve all kinds of free food samples on those days so there are just a lot of people browsing around and eating. In fact my wife and I can avoid buying lunch by eating the various samples while we shop. :happy :happy I also like the hot dogs ...
by btenny
Mon Jun 03, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3689

Re: Havasupai, Have a Sticker Shock

Yes it is a very cool place with lots of natural falls and pools to see and experience. In October the water should be good for swimming. I have been twice back when i was young. We camped and carried our stuff in and out. We went with a group of friends. My wife rode a horse in and out once because...
by btenny
Sun Jun 02, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4105

Re: Santa Fe real estate

SC I am confused. You say Flagstaff is too snowy and Prescott (that also gets snow) is too far from skiing. Do you want to ski a lot or have a warm winter place? Tahoe and Salt Lake have good skiing and nice summer but snowy winters.

Please advise.
by btenny
Sun Jun 02, 2019 11:39 am
Forum: Personal Investments
Topic: AZ (State of Arizona) Municipal Bond Ideas?
Replies: 12
Views: 576

Re: AZ (State of Arizona) Municipal Bond Ideas?

Look around NAZ or MZA. Both are closed end AZ muni funds. Also you might look at FSAZX or ETAZX mutual funds. I do not know much about them except Google says they are az specific funds.
by btenny
Sat Jun 01, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2063

Re: Autos and transportation near retirement

What car you drive in retirement is mostly driven by emotion IMO. Most of us really only need one car in retirement. We go almost everywhere together. We travel together. We go to the store together. If one of us has an appointment most times the other tags along. In our case we snow bird and can af...
by btenny
Fri May 31, 2019 7:28 pm
Forum: Personal Investments
Topic: 6 months to go for 1/2 of couple to retire
Replies: 5
Views: 983

Re: 6 months to go for 1/2 of couple to retire

How much of the $2.2M is tied up in the rental properties and how much is stocks and bonds and cash? You did not talk about drawing on the stocks.

What are you going to do all day in retirement while your spouse works? Key hobbies? Sports? Grand kids?

Please advise.
by btenny
Fri May 31, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14873

Re: Fun paid jobs after FIRE

Any musicians out there? My brother in law is a rock and roll drummer. He is pretty good and does that now in retirement. He works a day a week or more with one band depending on needs. His band plays 60s and 70s R&R stuff. So they do VFWs and RV parks and other places that want a fun night or after...
by btenny
Fri May 31, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: Does one need a bank account anymore?
Replies: 60
Views: 4273

Re: Does one need a bank account anymore?

I am at TDA Ameritrade for some investments. I have checking on those accounts but they limit the checks to $500 minImum and less than 5 checks per month. I think these are the numbers. I am also at Wells Fargo for other investments but have a linked checking so everything works together.
by btenny
Fri May 31, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Stone Flooring
Replies: 6
Views: 593

Re: Stone Flooring

We redid our ceramic tile floor 4 years ago in north Phoenix. We jack hammered out the old tile and grout. It was messy but worth it. We moved to a hotel for a week while they did the work. It cost about $2.2K to take out all tile and carpet in 2200 foot house. We had to do some leveling and cement ...
by btenny
Fri May 31, 2019 10:40 am
Forum: Investing - Theory, News & General
Topic: Does one need a bank account anymore?
Replies: 60
Views: 4273

Re: Does one need a bank account anymore?

Yes a physical bank and a bank account are necessary for
- safe deposit box
- checking account (checks less than $500)
- cash withdrawal more than $300
- checks for yard guy
- check for pool lady
- check for small garbage company
- kid and grand kid presents

So I think it is still needed.
by btenny
Thu May 30, 2019 7:12 pm
Forum: Personal Investments
Topic: General Retirement Portfolio Review & Questions
Replies: 15
Views: 1463

Re: General Retirement Portfolio Review & Questions

I am sorry but your adviser is scr**ing you bad. Your portfolio is way too complex. You are invested in high cost funds. He/she has you set up so you cannot see where things are going or how to understand what you own. Fire them tomorow. If your TDA is TDA Ameritrade you can make the changes yoursel...
by btenny
Thu May 30, 2019 6:59 pm
Forum: Personal Investments
Topic: Should I buy a house now in full or do something else with my money?
Replies: 12
Views: 1262

Re: Should I buy a house now in full or do something else with my money?

Yes housing in Phx is high right now. But it has been this high before. So it might go down or got even higher. We don't know. But your money will earn you a good return of imputed rent.. So in the long run of ten years or more you will be fine. So I suggest you buy a nice home and enjoy it. Good Lu...
by btenny
Wed May 29, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: having work done on car before you buy it
Replies: 7
Views: 482

Re: having work done on car before you buy it

I would wait and look at car and drive it first. Then stay 1-2 days and get repairs done. So it costs $300 extra for a hotel room. This is not much versus a $30K car. But i am curious why the repair will not wait for you to drive home. Please advise.

Good luck.
by btenny
Wed May 29, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14873

Re: Fun paid jobs after FIRE

I was a ski instructor for five winters in my 50s after I retired from Mega-Corp. I called it play work but I did get paid. I had a ball even though it was hard work and many times in poor weather conditions. I got a hourly wage plus head count and tip $$ and a free ski pass. My wife and kids got fr...
by btenny
Wed May 29, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Group Ownership of a Car (partnership)
Replies: 20
Views: 1376

Re: Group Ownership of a Car (partnership)

A group of us did it way back when on a car and some condos in Colorado. We put all five names on the title for the car and the condo deeds. I used my SSN for taxes and some other stuff and put all five names when we filed. We had separate partnership papers to talk about percentage shares and selli...
by btenny
Wed May 29, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: TV Speakers/sound bar/bose wave
Replies: 7
Views: 549

Re: TV Speakers/sound bar/bose wave

IF you can put your TV in a corner space so the the sound from those back speakers is reflected into the room the native TV sound is pretty good. Even better than a sound bar IMO. I say this because I have two identical 65 inch 4K LG TVs. One is situated on a flat wall and hooked up to a sound bar. ...
by btenny
Tue May 28, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Using Your Mini-Split in the Summer
Replies: 3
Views: 650

Re: Using Your Mini-Split in the Summer

I am not sure how the thermostat on your mini-split works. I have a regular heat pump AC/heater unit. In the winter my thermostat has to be set to heat and then the temperature set. Then the unit runs as needed. In the summer the thermostat has to be set to cool and then the temperature set. In the ...
by btenny
Mon May 27, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: M/39/Single - need to take a career break to address mental health; looking for advice on provided financial situation
Replies: 33
Views: 4028

Re: M/39/Single - need to take a career break to address mental health; looking for advice on provided financial situati

I think you need to put the US condo on the market and sell it. Do not try for max value so you can sell quickly. This will give you relief from $$ stress and let you take a nice long vacation and tour . It should also help your mental health. Act fast while the real estate market is still hot shoul...
by btenny
Sun May 26, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Life happens, now what?
Replies: 19
Views: 4461

Re: Life happens, now what?

I get not wanting to work in your current field. You are probably burned out. So find a play job or a charity non profit job. There are lots of lower pay jobs that are fulfilling and fun. Think part time. One of those jobs and some mister mom time should give a lot of fun and a little money. You als...
by btenny
Sun May 26, 2019 3:30 pm
Forum: Personal Investments
Topic: I need help building my Portfolio accross multiple accounts, please
Replies: 10
Views: 1013

Re: I need help building my Portfolio accross multiple accounts, please

Close both of the Schwab accounts and put that $17 K and the $200/month into your Vanguard brokerage account. I also am not a big fan of stand alone IBonds unless the interest rate is more than 1%. So I suggest you sell your Ibonds and move the money to Vanguard. This will simplify stuff some. Plus ...
by btenny
Sun May 26, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Life happens, now what?
Replies: 19
Views: 4461

Re: Life happens, now what?

Does your pension have a COLA?
by btenny
Sun May 26, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Life happens, now what?
Replies: 19
Views: 4461

Re: Life happens, now what?

Welcome to the Bogleheads. You are a brave person adopting three kids. I am not sure retiring while the kids are young and need lots of stability is a great idea. Most kids do well going to school all day and coming home at night and doing homework and going across the street to visit their friends....
by btenny
Sun May 26, 2019 10:20 am
Forum: Investing - Theory, News & General
Topic: Can commercial real estate replace fixed income in assest allocation?
Replies: 7
Views: 605

Re: Can commercial real estate replace fixed income in assest allocation?

I am sorry but as described above commercial real estate is not a bond or a stock. It is real estate. It has expenses and needs some looking after and management. It has many risks and some advantages. From what you have described it will make up 50% or so of your retirement income plan. That is hug...
by btenny
Sat May 25, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: is A in accelerated better than B in honors for undergrad application.
Replies: 22
Views: 1776

Re: is A in accelerated better than B in honors for undergrad application.

The highest and hardest classes are the best selection IF the student can keep up and do the work. The kid will learn the most. BUT beware if the student is getting a C or even a low B in this hard class they should probably go back to the easier class. Also beware that many high school AP classes a...
by btenny
Fri May 24, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2157

Re: Weber vs Broil King Grills

Both my Weber four burner and my BK 3 burner get really hot fast. They get to 450 degrees or hotter in about 5 minutes. So I turn on every thing to start then I have to turn off 2 burners on the Weber and set the other two at half power to keep the temperature to 375 to 400. Likewise on the BK I tur...
by btenny
Thu May 23, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Windows for Noise Reduction
Replies: 36
Views: 2577

Re: Windows for Noise Reduction

I am in central Phoenix so I get traffic noise and air plane noise and yard guy noise and barking dogs etc. etc. I had single pane windows when I started my home upgrades about 9 years ago. We looked at Anderson and Milgard and 2 other brands. We went with Milgard double pane with argon and solar ti...
by btenny
Thu May 23, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2157

Re: Weber vs Broil King Grills

I actually own one of each. I think the Weber is slightly better built and works better if you have the space and more $$$. I have a Weber Genesis four burner in Arizona. It heats fast and cooks great. It has a large cooking space and a second cooking shelf and a side burner. It is big enough to coo...
by btenny
Wed May 22, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6104

Re: Best small AWD to 'drive into the ground'

There seems to be lot of noise on here about how stopping going down hill in a AWD Subaru works. I am sure the Subaru AWD features make the car safer than a 2WD car. The Subaru has a serious traction control mode that slows the car and activates the brakes on individual wheels to keep the car from s...
by btenny
Wed May 22, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Getting a margin loan - for a second house
Replies: 10
Views: 1026

Re: Getting a margin loan - for a second house

With a margin loan you are subject to margin calls. So when the market drops by 20% you now have a stock balance of $560K and can only borrow $280K. So you have to come up with $70K cash to reduce you $350K loan and cover the lost margin ratio. Most people who get caught in this situation end up sel...
by btenny
Wed May 22, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6104

Re: Best small AWD to 'drive into the ground'

There are two 4wd alternatives to a Subaru that I can think of that be good for your needs. A small used Toyota 4x4 pickup would be a great vehicle for a college kid. It is a good 4WD system. It hauls lots of stuff for all those moves and helping those girls move. And you can expect it to last for 2...
by btenny
Mon May 20, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Chiminea, fire pit or nothing?
Replies: 26
Views: 1781

Re: Chiminea, fire pit or nothing?

I have had a Chiminea for years at our mountain home. It works well for cool evenings all summer. It sets on 6 large ceramic floor tiles for heat protection. Ours sets on a deck made of Trex. It provides a lot of heat when it is cool so we set close in some chairs. It cost about $80 plus $10 for the...
by btenny
Mon May 20, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2634

Re: When to buy a vacation home

I am a retired snowbird and find having a second home is wonderful. We use our second home about 5+ months a year. We use it all summer and a month or so each winter. We also take other vacations to other locations. In our case we actually long term rent a home year round so we can use it when we wa...
by btenny
Mon May 20, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2634

Re: When to buy a vacation home

At your age you will not get a lot of use of a second home. So rent. But if you find a very very cheap price on a second home then buying is ok. But paying normal coat now is not a good idea.

Good luck.
by btenny
Sun May 19, 2019 1:33 pm
Forum: Personal Investments
Topic: Help with estimating expenses in retirement
Replies: 16
Views: 1569

Re: Help with estimating expenses in retirement

You are missing some big stuff in your budget. Are you really going to retire and not work at 48? That seems young. Most people that young find part time or play work at that age and then wait to 55-59 for full retirement even if they have enough money. College tuition and college living expenses Ho...
by btenny
Sun May 19, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Another Inherited IRA question
Replies: 11
Views: 896

Re: Another Inherited IRA question

Go read government publication 590 on IRA. I think you need to start ira rmds this year and use Table 1 for your age. So I think you need to take a rmd of 1/48.5 or slightly more than 2%. Read carefully. Pay attention to see when first year rmd is required vs date of death. Sorry for your loss.