Search found 4423 matches

by btenny
Mon Jul 16, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 59
Views: 4539

Re: Bears!!!

Freezing your leftovers and cooking discards and coffee grounds is easy and does not take up much space in your refrigerator. Mine is about 1-2 gallon sized bags a week. You do not need a extra freezer. I do not freeze the other cartons and stuff that is normal trash. That stuff does not smell if ri...
by btenny
Mon Jul 16, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13069

Re: Early retirement

I retired early at 52 and experienced a lot of this negative feedback from others. It bothered me at first as I did not understand it but was too busy to discuss it at the time. I also got a good deal of advice saying I could not afford to retire or telling me I had to work somewhere. Again most of ...
by btenny
Sun Jul 15, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4898

Re: Where to get a $100 bill?

Walk into a B&M bank and withdraw money from your account using your ATM card. Ask for $100 bills instead of $20...
by btenny
Sun Jul 15, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 59
Views: 4539

Re: Bears!!!

by btenny
Sun Jul 15, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 59
Views: 4539

Re: Bears!!!

I live in Tahoe and we have bears in our yard about once a week. They are big clever animals who learn fast and are persistent. They always visit our yard on garbage day. They live right here with us so we have learned it takes special precautions to stop bear issues both with garbage, the house and...
by btenny
Fri Jul 13, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5149

Re: Would you trade experiences in your youth for early retirement

I sorta did this and I think many posters here did as well. I was driven as a kid to study and get good grades. I missed out on many things in the crazy 60s and 70s because I stayed home and studied and got a college degree at 20. Then a masters at 24. Plus I worked all through college so fun time w...
by btenny
Wed Jul 11, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5359

Re: Anyone take naps at work?

I had an older guy (60-70?) who worked in my group and on my project and other projects who took a short nap almost every day. He was a good guy and good employee. No one thought much about his napping. I never talked to him about it even when he worked directly for me. It was just what he did. He j...
by btenny
Wed Jul 11, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: RMD from Inherited IRA
Replies: 12
Views: 1242

Re: RMD from Inherited IRA

Ok. So I did the revised RMD calculations and I found I need to withdraw $126 more from the inherited IRA for three years of errors. :oops: :oops: It took me all afternoon to fill out three sets of forms. Now I have to take the extra $126 out of the IRA and write a letter. More paperwork!!! But I ha...
by btenny
Tue Jul 10, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3226

Re: Masterbath Remodel - Tub or No Tub ?

Get rid of the tub and make sure when you remodel to eliminate the shower entry lip. This reduces your chances of tripping and falling into or out of the shower. Also put in grab bars for the shower and toilet. They are easy safety features if you are already remodeling. I have been planning to remo...
by btenny
Tue Jul 10, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: RMD from Inherited IRA
Replies: 12
Views: 1242

Re: RMD from Inherited IRA

True. Thanks a lot. What does RC mean for us poor non tax people?
by btenny
Tue Jul 10, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: What's up with Wells Fargo
Replies: 27
Views: 2876

Re: What's up with Wells Fargo

My wife has a Roth account there that has not had a deposit or withdrawal for years. We check it regularly. No letter from Wells about that. But the stocks and bonds in the account do earn $$$$.
by btenny
Tue Jul 10, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 2949

Re: Management at Megacorp

Apply for and take a management job with your current company. I know you do not have the passion but many others do not. See if you like managing. The new role may change your views. Give it a year or so to get better.

Good Luck
by btenny
Tue Jul 10, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2848

Re: Rodents ate my car, and my insurance is ripping me off!

Your insurance is ripping you off. Repair costs are what is covered via comp insurance. They have to pay to fix the car whatever the money and then you pay the deductable. All this BS about depreciating parts and labor is bs. Tell them to fix your car!!!
by btenny
Mon Jul 09, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: RMD from Inherited IRA
Replies: 12
Views: 1242

Re: RMD from Inherited IRA

I see the issue you are talking about. That subtract 1 is buried deep in the 590 publication. That one line changes everything. I guess I have not done it right for a while. But I also looked back at 2017 taxes and my error is about $70 under withdrawal for this inherited RMD. (my guess) So this err...
by btenny
Mon Jul 09, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: RMD from Inherited IRA
Replies: 12
Views: 1242

RMD from Inherited IRA

My wife has a small IRA she inherited from her Dad in 2013. He had been withdrawing RMDs from it and paying taxes for years. We have it invested as a Inherited IRA and have been taking RMDs each year according to what I read in Pub 590. Previously I have done the calculations to determine the necess...
by btenny
Thu Jul 05, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Boat Towing
Replies: 14
Views: 1206

Re: Boat Towing

I live on Lake Tahoe and my Towboat US costs $75 per year. It covers towing back to the dock. I have used it 2-3 times over the last 15 years. One of those tows was pretty hazardous and next to a lot of big rocks in the wind. The Boat US guy was a real pro and got me away from the rocks with ease. I...
by btenny
Tue Jul 03, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing question: smaller house or interim rental
Replies: 15
Views: 837

Re: Downsizing question: smaller house or interim rental

When I downsized in 2001 after I retired I carried two homes and two mortgages at once for about 1.5 years. I spent a little more than normal for that time while I fixed up the new house to our specifications and moved and sold the old house. I got a mortgage loan on the new house with a 30 year ter...
by btenny
Sun Jun 24, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 8454

Re: Retirees: When you cut spending, what do you cut?

I retired in late 1998 at a young age. We did not have a lot of money. I suspected we were headed for a Dot Com stock market crash. So I went from 65% stocks to 50% or so stocks and stayed there until 2003ish. I kept my spending down until about 2005 when I was sure of my retirement income and my do...
by btenny
Sun Jun 24, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 5982

Re: So much angst

Yes your approach is simple and easy. But it has issues like lots of other approaches. Those trade offs are what is constantly debated here. Your plan uses two target date funds. Those are not very tax efficient in a taxable account. Plus why not just one target date fund? That it even simpler? Or w...
by btenny
Sun Jun 24, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Dual king mattress
Replies: 14
Views: 1426

Re: Dual king mattress

Do any of you king bed owners turn your mattress upside down or just side to side? My issue is longevity and wear and tear. My current modern mattress cannot be turned and is canoed badly after about 10 years of wear. So we have to buy something new. My reason for asking is my wife owned a latex mat...
by btenny
Sun Jun 24, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Cell Phone - 5G?
Replies: 8
Views: 1066

Re: Cell Phone - 5G?

You need to go to your carrier and see if they can find out why your phone is rebooting. It sounds like the phone needs fixing. I would not expect much 5G rollout or service for 3 years from now and a big price premium to use it. So if you need or want a new phone get one with 4G features. Good Luck.
by btenny
Sun Jun 24, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2731

Re: Cheap simple tablets?

I am typing on a Samsung Tab 7. It cost $139 at Best Buy. I recommend she buy one of these. It is really easy to use and fully Google compatible out of the box. The store sales person can help her set it up. The setup takes about 5 minutes. I love mine. I use it mostly for reading e-books and web su...
by btenny
Fri Jun 22, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Dual king mattress
Replies: 14
Views: 1426

Re: Dual king mattress

I sleep pretty good. My wife has issues. My snoring and the night light disturb her. We like sleeping next to each other and have for 50 years so we are worried about the split mattresses.

Does anyone have experience with any type of adjustable bed?
by btenny
Fri Jun 22, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3313

Re: 3 nights in Vegas

Just spent a night there early this month. We stayed at Planet Hollywood as a moderate cost place. We had a great room. It was $130 including the resort fee. The pool is great and so were the shows. We did the Elvis impersonator and would have done Jennifer Lopez but the show was dark on Tuesday. We...
by btenny
Fri Jun 22, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 12186

Re: Retire at 50: Should I?

Yes you can retire tommorow. You have enough money and you seem to understand the risks. Yes health care is a risk. So is getting terminal cancer next week. So is getting bored in retirement and wanting to go back to work. That is life and we need to manage the issues as they occur. I retired at 51 ...
by btenny
Fri Jun 22, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Dual king mattress
Replies: 14
Views: 1426

Dual king mattress

We are talking about buying a new mattress and looking at the adjustable base dual king. My wife thinks the raise feature will help my snoring and let us sleep better. I am bothered by the split mattress. We have had a California King for decades. Anyone have some thoughts?
by btenny
Sat Jun 09, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2723

Re: Foreign language immersion daycare

Be very careful of nannies or day care drivers. My son was hurt badly in a car wreck when he was 8. He was going to school from his day care school. The lady driver ran a stop sign and was broad sided. She was a very nice lady and was great with kids but not a great driver (I did not know this part)...
by btenny
Sat Jun 09, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need motivation - how much did you lower expenses by downsizing ( if you did)
Replies: 11
Views: 1657

Re: Need motivation - how much did you lower expenses by downsizing ( if you did)

We downsized two years after I retired. We moved about 2 miles away but still in the same area and school districts. Our new home has 3 bedrooms and 2 baths and a small city lot and small yard. It is single story with no pool and is suited nicely for ageing in place. Our old home was 4/4 with a gian...
by btenny
Sun Jun 03, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 3885

Re: Can a physician work in tech while practicing as well?

I know of a few doctors that had good medical engineering ideas they wanted to pursue. ALL of them hired engineers to do the grunt work of electrical and software design to create the products. They just provided money (remember that big salary) and product direction and medical testing and ended up...
by btenny
Sun Jun 03, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Medigap trap: does this new strategy work?
Replies: 2
Views: 425

Re: Medigap trap: does this new strategy work?

I think you can switch to Medigap Plan F High Deductible with no issues or no qualifying. It is lesser coverage plan. Mine costs $48 a month but has a $2100 annual deductible. I have found it is cheaper including the deductible amounts than F or G over the long haul.

Good Luck.
by btenny
Sun Jun 03, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 1911

Re: Tool board for basement - plywood or pegboard?

Pegboard mounted on the wall with furring strips is the best way to go. Mount it above a work bench or a old bedroom dresser with drawers for stuff. Then put some open shelves near this setup for bigger items.

Good Luck.
by btenny
Sun Jun 03, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Men's Health on Medicare
Replies: 19
Views: 1897

Re: Men's Health on Medicare

I am a eighteen year prostate cancer survivor. Mine was detected by a PSA test (4.1 reading) and subsequent biopsy and found to be aggressive. I had radiation therapy and have limited side effects. The regular PSA test is not that useful. Many men have readings of 4 or greater all the way up to 10+ ...
by btenny
Sat Jun 02, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4356

Re: Travel advice for an engineer

In my travels I have been intrigued by how city planning has evolved and drives the culture of the cities. Think about it. Some cities were actually planned and layed out with nice buildings and wide sidewalks and good street grids so the traffic and people move well. These places have great outdoor...
by btenny
Sat Jun 02, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4356

Re: Travel advice for an engineer

Sagrada Familia in Barcelona. https://www.google.com/search?rlz=1C1CHBD_enUS689US689&biw=1463&bih=693&tbm=isch&sa=1&ei=Db0SW6m5JOG1tgXkj5HQDA&q=sagrada+familia&oq=segrada&gs_l=img.1.0.0i10k1l10.261150.263123.0.267314.7.7.0.0.0.0.138.666.6j1.7.0....0...1c.1.64.img..0.7.664...0j0i67k1.0.MXT2Tuu9oXc Va...
by btenny
Tue May 29, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best retirement places for shy senior singles
Replies: 32
Views: 3951

Re: Best retirement places for shy senior singles

Find a community college near you and look at the course schedule. I bet you can take tennis or yoga or painting or video filming or several other classes. Sign up for two of these. Then go to the classes. Meet others in the class. Force yourself to ask one classmate out for coffee after each class....
by btenny
Sat May 19, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: If RMD are large should you still defer into 401k
Replies: 32
Views: 3195

Re: If RMD are large should you still defer into 401k

You should probably put current savings in your taxable accounts instead of your 401K at your age. Then in a few years you can withdraw that money tax free and spend it and not raise your taxable income. The issue is when you start RMDs you will have big taxes and maybe extra Medicare taxes as well ...
by btenny
Thu May 17, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Mechanics
Replies: 17
Views: 1504

Re: Asset Allocation Mechanics

Sell all or most of your stocks in tax deferred and buy bonds. This will not cause any tax events. Review AA if you only do this single step and do nothing to taxable account. I am pretty sure this will reduce you AA to a more modest number and solve the problem. I recommend you go to 60/40 AA or so...
by btenny
Thu May 17, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3225

Re: Hot food flavoring (sauces, spices and peppers)

Go to a good farmers market or a good Mexican market and buy a selection of chili's. Learn the various kinds of chili's. Buy a few of each type. See below. Read some recipes. Put them in your food raw or cooked. Eat some of each type. Beware of the seeds in the chili's as that is where the heat is c...
by btenny
Thu May 17, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2731

Re: What would you do? takes 6 months to fix a Tesla Model S

Lots of cars take 3 months or more to fix and many are totaled for simple things. Not just Tesla. My sister in law has a older BMW M3 something with very low mileage. They are going to total the car for a deployed passenger side air bag. The back story. She was driving along the highway back in Febr...
by btenny
Sun May 13, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103956

Re: To take or not to take delivery of Tesla 3

Tesla does not suck. They are good cars with some good features. But IMO there seems to be an issue with how they are implementing auto stop features. A good auto stop features works in all road conditions including standard streets with lots of stops lights and obstacles. For sure Subaru and other ...
by btenny
Sun May 13, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 17675

Re: What Percentage CASH are you?

Retired going on 19 years. Definitely an old guy now but planning on a lot more good years. Have lived through 2 very big recessions in retirement and cash was king both times. I keep about 8% in cash in various accounts. This is 2+ years spending money plus our SS and pensions. I spend out of this ...
by btenny
Sun May 13, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103956

Re: To take or not to take delivery of Tesla 3

Tesla has auto pilot and auto braking trouble IMO. See below. Another model S was involved in a bad car wreck in Utah and there is no indication that the brakes were ever applied. Something is certainly fishy. https://www.usatoday.com/story/news/nation/2018/05/12/tesla-autopilot-slams-into-truck-sto...
by btenny
Sun May 13, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: About to fire advisor, lagging. Comments?
Replies: 17
Views: 1221

Re: About to fire advisor, lagging. Comments?

Before you leave tell us about the "complex investments" he has you in currently. Can you move this stuff to Vanguard or other low cost broker or do you have to sell it all first? How much capital gains and other issues does selling this stuff do to your taxes? Will there be back end fees for sellin...
by btenny
Sun May 13, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2538

Re: Subaru Crosstrek vs Outback

You should look at and drive the 3.6R Outback. That is the best car for your plans by far. It has two good features that drive this. You can get the 3.6R engine in the Outback which is much better going up mountain grades in Colorado. The second key feature is the back seat in the Outback folds down...
by btenny
Fri May 11, 2018 3:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 53
Views: 4924

Re: Arizona Chapter

Count me in
by btenny
Wed May 09, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1771

Re: Another Vehicle Question

I don't know about the Ford but here are several nice Lincoln Navigators with low mileage and almost new for $50K or less. So why buy new? https://www.autotrader.com/cars-for-sale/vehicledetails.xhtml?listingId=484119601&zip=85028&referrer=%2Fcars-for-sale%2Fsearchresults.xhtml%3Fzip%3D85028%26start...
by btenny
Wed May 09, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 5022

Re: Buying a Boat

Dan you must mean $4K a year in expenses. Correct?
by btenny
Wed May 09, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1771

Re: Another Vehicle Question

I suggest your rent a Expedition (or a Lincoln Navigator) for at least a week or two and get your wife to drive it full time. Make sure she goes shopping and to places where she has to park and maneuver the big SUV. Get her to drive it in the snow if possible. Expeditions are just giant vehicles. Th...
by btenny
Tue May 08, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Family Vacation in Late Feb
Replies: 30
Views: 1478

Re: Family Vacation in Late Feb

Key West actually does not have any beaches. One resort trucks in some sand for a small beach next to their bar. The rest show pictures of the sea over some jetty or rock wall to claim beach front. Key West is more about bars and fishing boats. Better to go to other keys if you want beaches. Maybe M...
by btenny
Sun May 06, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 5022

Re: Buying a Boat

I second the issue of making sure you get a signed pink slip and a sales title transfer document with the sellers name before handing over the cash. I bought my current boat and paid cash (over $14K). Then the buyer said they did not have the title in their name. When they bought the bought the boat...