Search found 4168 matches

by btenny
Sun Dec 17, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 71
Views: 2573

Re: New job offer - background check

IMO you have to tell this future employer about this issue in writing fast. It should have been put in some of the employment background details already. IMO they might decline the offer already on the table because you did not tell them this information earlier. You seem like you are hiding stuff. ...
by btenny
Sat Dec 16, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade wrong IRA distribution
Replies: 9
Views: 591

Re: Scottrade wrong IRA distribution

Spirit and Live. I made a simple math adding error that the IRS found. This was before TT. The IRS used that as an excuse to detail review all my tax plans and all my receipts. In the 1970s rentals were dissected into various components and then various depreciation rates were used on each of the pa...
by btenny
Sat Dec 16, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 46
Views: 2503

Re: Buy home with structural issues

I am not a structural engineer but I do know that new houses settle and develop some cracks over time. This is normal. The ground moves a little and the house squirms and develops a few cracks. It is not major issue in most cases. Yes you can get excited about this and a foundation engineer will mak...
by btenny
Sat Dec 16, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 21
Views: 1455

Re: Single Purpose Device- Waffle Iron

Buy a waffle iron that has removable grates. My mom had one when I was a kid back in 1953ish. It had a set of smooth grates and a set of waffle grates. It was a old fashioned stainless steel round thing with a big spring cord between the halves. She made grilled cheese sandwiches and bacon and lots ...
by btenny
Sat Dec 16, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade wrong IRA distribution
Replies: 9
Views: 591

Re: Scottrade wrong IRA distribution

Livesoft you may not fear the IRS but they can sure be a PIA. Way back when I was a puppy in my early 20s I was doing lots of rental real estate. I got audited by the IRS. I made a simple adding mistake on my return. But they wanted a set down interview. They poked their nose into every record and r...
by btenny
Sat Dec 16, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Salomon Shift AT binding
Replies: 2
Views: 304

Re: Salomon Shift AT binding

Thanks for the note. I will forward it to some friends in Tahoe.
by btenny
Sat Dec 16, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 24
Views: 2280

Re: Takata Airbag Class Action Settlement

How about those of us who have cars that Takata is not repairing? My 2007 Lincoln Zephr has a bad passenger airbag. But it is registered in Arizona so they are not offering any repair. Maybe ever. Certainly not now or the near future. No one at Lincoln knows when or if Takata will ever provide a new...
by btenny
Sat Dec 16, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 39
Views: 1798

Re: Electric Energy Usage

You need to be careful turning the strip heater in your furnace to that low a temperature. It could cause the heat pump to fail. Heat pumps do not work well at low temperatures and can freeze up and die. I am not a heat pump guy so make sure you do talk to someone who has real in depth knowledge of ...
by btenny
Sat Dec 16, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 58
Views: 6170

Re: Uber vs Ambulance - HUGE cost difference

It is my personal experience that the slow arrival of EMTs and ambulances are a major deterrence to good medical care in many cases. Plus the cost is crazy high. I broke my arm badly in a store in 2004. The store people called 911 and EMTs were summoned. I asked the store people to get my friend to ...
by btenny
Sat Dec 16, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 39
Views: 1798

Re: Electric Energy Usage

You need to seriously think about getting a new dual fuel gas/electric heater and AC unit. The heat pump is just not that great in the cold Pennsylvania winters on many days. I bet your unit has some sort of electric strip heater that gobbles energy when it is colder than 38 outside. That is why you...
by btenny
Fri Dec 15, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: The 9.1 billion shares mystery of Googles IPO
Replies: 10
Views: 1778

Re: The 9.1 billion shares mystery of Googles IPO

This hard to understand offering is why I did not buy stock in Google when it was first offered. Back then I was doing some single stocks and other stuff but I refused Google. :oops: :oops: . My wife was furious with me for not buying some as she suggested. I guess she was right but I still do not u...
by btenny
Fri Dec 15, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade wrong IRA distribution
Replies: 9
Views: 591

Re: Scottrade wrong IRA distribution

Thanks for the information on the "rollover language". I will call them and make sure they do not report it and see if they agree. So TBD....
by btenny
Fri Dec 15, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 1962

Re: Lexus RX 350 - new vs. preowned

OP. Be very careful out there right now buying a used car. There are huge numbers of hurricane cars that are coming out of Texas. Many of those cars were totaled as they were totally submersed in water. So the electrical systems are very suspect. But a lot of shady dealers will dry out those cars an...
by btenny
Fri Dec 15, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: What is a Reasonable Retirement Cost of Living?
Replies: 31
Views: 3101

Re: What is a Reasonable Retirement Cost of Living?

You can retire and live OK on $50k with a paid off home if you have low property tax and do not do expensive stuff in retirement. But most people need $80K to $120K to have a nice retirement where you travel some and help your kids occasionally and drive nice cars and do not skimp. At $150K and abov...
by btenny
Thu Dec 14, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 56
Views: 5914

Re: Reached 50X annual spending. Now what?

I think your asset allocation is just fine and I would not change a thing. You are holding about your age in bonds which is very reasonable. Enough risk in stocks to keep up with inflation and grow some but not so much to cause you to bail in a bad market. BUT I do suggest you reconsider taking that...
by btenny
Thu Dec 14, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Scottrade wrong IRA distribution
Replies: 9
Views: 591

Scottrade wrong IRA distribution

Well Scottrade made a major error this week. I asked them to cut me a check from my IRA for my church for $1K and gave them detail paperwork to do this last week. On Tuesday I got a check in the mail made out to me for $10K. Scottrade took out the wrong amount and made the check out to me instead of...
by btenny
Wed Dec 13, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Anyone own property used solely for Airbnb?
Replies: 9
Views: 1054

Re: Anyone own property used solely for Airbnb?

I think you are confusing AirbNb with VBRO. AirbNb is mostly a room rental service for homeowners and city apartment owner to let out single rooms for a single night or two. Rentals of this sort are like hotel rooms and are designed to have the homeowner present at the property. VBRO is designed as ...
by btenny
Wed Dec 13, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2283

Re: Concert Decision and Advice

I am not a big music guy but I love live music performances. It is just fun to watch the performers and the crowds and listen to the various songs. It is just a great way to spend some time. Go for it a few times and see what kinds of events you like and what kinds of music you like. You will find t...
by btenny
Tue Dec 12, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Microwave - Reliable built-in with vent?
Replies: 11
Views: 704

Re: Microwave - Reliable built-in with vent?

I have a 37 year old microwave and oven combo that is built into the kitchen cabinets. It looks fine. It works OK. But is so old it does not have a turntable and uses a mechanical twist timer dial. Because we only use this home part time I have been able to procrastinate replacing this setup for 15 ...
by btenny
Mon Dec 11, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Need advice
Replies: 16
Views: 859

Re: New Investor Need advice

I suggest you put 100% of your 401k money this year into the Fidelity sp500 index institutional fund with the .03% er. Then put your Emergency money in CDs or some Tax Free muni fund with a low er. Both count towards your Asset allocation. Do something similar with your Roth IRA money. Those three t...
by btenny
Mon Dec 11, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 43
Views: 5899

Re: For those retired at least 10 years, what about the money?

Northster. I really want to understand your plans and your motives. I have been having similar thoughts. How do you think giving your kids some money at middle age will effect there desire to work hard and save? Are they going to buy a bigger house? A better car? Or just go on a nice vacation? Do yo...
by btenny
Mon Dec 11, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 43
Views: 5899

Re: For those retired at least 10 years, what about the money?

The recent advent of joint replacement technology has created a ton of robust oldster who ride and play a lot in really old age. I know that back in the 1980s and before if you got a bad hip or bad knee you just lived with the pain and did not move around as much. So then they did not move around an...
by btenny
Mon Dec 11, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 43
Views: 5899

Re: For those retired at least 10 years, what about the money?

Wow you guys need to meet some robust oldsters. One friend is 96 and several others are 75 plus. They all ski 100 days or more every winter. Many times they ride the first chair. See below. https://www.tahoedailytribune.com/news/local/at-96-martin-hollay-still-skis-at-heavenly-in-lake-tahoe-now-the-...
by btenny
Mon Dec 11, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2088

Re: December 22 - Jan 1 vacation

I know you said warm but all the kids (and most of the adults) I know love snow and have a ball building snowmen and skiing and sledding and tubing and just playing in the snow. So I suggest a skiing and sledding winter fun vacation. Fly to Salt Lake or Whistler (in Canada) or Tahoe for some real wi...
by btenny
Mon Dec 11, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 43
Views: 5899

Re: For those retired at least 10 years, what about the money?

Now retired 18 years and will be starting RMDs soon. We have more now than when we retired. We spend about 3% to 4% of our money and live comfortably. I guess we will leave some to our charities and some $$$ to our kids unless some major issue occurs. I have mixed feelings about giving my kids a big...
by btenny
Mon Dec 11, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1651

Re: Best Parmesan Cheese for Salad

Beware some of the Kraft stuff in the green can is only part cheese and the rest is "filler". Yep they add sawdust and sell it as cheese. So I would not buy it. The way we buy Parmesan cheese is at Costco in block form. It is about $10 per pound but a good deal. Then we grate some for our meals. It ...
by btenny
Sat Dec 09, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 20
Views: 2353

Re: BH Volvo XC90 Review

Is yours AWD?
by btenny
Sat Dec 09, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 83
Views: 4452

Re: Moto G5 Plus: Software updates?

I have had a Moto G3 for 2 years. It is a nice very easy to use phone but the camera quality is not that good. I use mine for phone calls, texting, music, web surfing, maps, games and some reading books. I do not do Email on my phone but I could. I do not do email due to security and small screen si...
by btenny
Sat Dec 09, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 3726

Re: Danger of being a helicopter pilot?

Go to Phil Greenspun's website and read some of his blogs and maybe email him with some questions. He is licensed helicopter school trainer and school owner. He is also a prof at MIT and several other things. I am sure he will quote you tons of information and where to get trained and so forth. Good...
by btenny
Fri Dec 08, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 85
Views: 8293

Re: Jack Bogle Is Worried About U.S. Pensions

My wife has two pensions. One is already in trouble and does not have enough money. She is going to vote soon on the plan going forward. She has to choose one of three options, keep the current payouts and run out in 2020ish and then get a reduced Pension Guarantee payout or reduce her pension right...
by btenny
Fri Dec 08, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: What Bonds to Hold in Taxable?
Replies: 7
Views: 842

Re: What Bonds to Hold in Taxable?

I suggest you put some Tax Free muni bonds in your taxable account up to your bond stock allocation until you near retirement. This lets you use that money as a emergency fund at no tax risk if needed. I did this and then used that money during early retirement for spending. It has worked out great ...
by btenny
Sun Dec 03, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: About to take out Term Life Insurance - Questions for Bogleheads
Replies: 11
Views: 1079

Re: About to take out Term Life Insurance - Questions for Bogleheads

Buy two $ 1M policies on you. Buy each from different companies. Make sure $500k or so of one policy is convertible at policy end at higher price so you have something if needed way out in the future. The price you have is too high. Look around. Make sure both of you have disability insurance for si...
by btenny
Fri Dec 01, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: $7 flights on RyanAir
Replies: 39
Views: 4709

Re: $7 flights on RyanAir

Well we just got back from a trip to Spain on Ryan Air . I will never ride them again. We left from Stansted near London. The flights left on time and returned on time. The planes are old and poor and terrible. The pilots do poor scary takeoffs and landings. The ground crews are rude. They treat you...
by btenny
Fri Dec 01, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2146

Re: For Musk, an Energy Feat the Size of a Football Field

Is this where all the planned Model 3 batteries went? Really where did he find all the batteries so fast?
by btenny
Fri Nov 24, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to negotiate a layoff?
Replies: 22
Views: 2267

Re: Is it possible to negotiate a layoff?

Your boss really likes you.. I bet the consultants wanted to just lay you off to save more money. But your boss or his bigger boss thought you brought something to the table and said reduce your salary and keep you. So stay and be happy. But do get your resume updated. Things could change and you co...
by btenny
Wed Nov 22, 2017 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Plan F High Deductible
Replies: 18
Views: 1461

Re: Medicare Supplemental Plan F High Deductible

Plan F-HD is not going away. Just regular plan F. The gov't wants everyone the pay a little so no pay 100% plans.
by btenny
Mon Nov 20, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6212

Re: Drive it till it dies. It died.

Yes I have been in exactly your situation way back in the late 1980s. I had been looking at used cars at Hertz. They had told me they would give me $2K (as I recall) for my used Nissan Sentra wagon. Well a few days later the clutch went out on the Nissan. So the next day we went to Hertz and talked ...
by btenny
Mon Nov 20, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10601

Re: 55+ Early retirement offer.

I wish you luck. What you are going through is very hard. I watched our software and systems people and their managers go nuts and do all kinds of things to deal with a situation like yours in the late 1990s. The high up managers thought they could just plug in cheaper labor and everything would be ...
by btenny
Sun Nov 19, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5809

Re: How much do you budget for vacation?

You need to ask a more detailed question and define if it is while you are working or in retirement. Many people have second homes or condos that they use a little or a lot. How do you figure those costs in your vacation budget? In my case that is huge number. I have had a second home (ski condo) wh...
by btenny
Sat Nov 18, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off? [OP Update]
Replies: 38
Views: 3598

Re: Volunteer to be laid off?

Take the layoff if you are ready financially. It sounds like you are ready mentally. Your boss and his boss may not want you to go but talk with them about you wanting to retire in a year or two. Once you make the decision be open with your desires and talk to all of them formally. Those conversatio...
by btenny
Fri Nov 17, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1344

Re: Timing if Medicare annual physical

One year plus a day for blood work and related stuff. I was told to wait this year for 1.5 months to make sure medicare would pay. That was for a doctor visit and then some blood work.

Good Luck.
by btenny
Fri Nov 17, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: portfolio review
Replies: 4
Views: 500

Re: portfolio review

1a/b. Overall you seem to be doing OK. But you cannot let up. You have about $1M saved. I did not do the details but did a little adding. Do either of you have any build up of pensions? How about social security or other long term stuff besides your savings? 1b. The big thing I see in each account i...
by btenny
Fri Nov 17, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8887

Re: Tesla truck unnveil

This dog and pony show was a joke IMO. Total vaporware or worse. It is not a product yet or even close. The truck does not work and will not tow any real heavy loads any significant distance because the design is not done. It is years away. The truck shown has no cooling or radiator for the power tr...
by btenny
Fri Nov 17, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about cash and retirement - isn't this really about market timing?
Replies: 38
Views: 3164

Re: Confused about cash and retirement - isn't this really about market timing?

Since I retired I keep about 7% of my portfolio in real cash most of the time. I withdraw and spend about 3% of my portfolio over the year in addition to SS and pensions. But I also earn new dividends and interest of about 1% in my taxable accounts each year so I end the year at 5% or so cash depend...
by btenny
Fri Nov 17, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8843

Re: Has used furniture dropped in value dramatically?

Dealing with a complete house full of "stuff" is hard. We spent about 6 weeks cleaning out and dealing with my father in laws home spread over 3 months when he passed away. Plus it took several additional weeks to clear out the garage and sell or move all his tools and stuff. It was just hard work. ...
by btenny
Fri Nov 17, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8843

Re: Has used furniture dropped in value dramatically?

Yes I have priced pianos recently. Well 5 years ago recent. My wife plays the piano and we have always had a old (1902) upright grand piano that use to belong to her grandmother. It weighs a ton and is funny sounding but made of cast iron and solid walnut. So it is sort of antique so we keep it. But...
by btenny
Thu Nov 16, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 1973

Re: Scottrade to TDA

Yes I am in a similar boat. I have been at Scottrade for a long time. But recently I have not been happy with how things are going at Scottrade. Especially in the last two years. But I am not sure I want to consolidate to one brokerage. Right now I have multiple accounts at two different brokers. An...
by btenny
Thu Nov 16, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Basement heating
Replies: 12
Views: 785

Re: Basement heating

I have one of the electric fireplace look heaters in my basement office. It works great. I close the door and turn on the heater switch and it heats the room fast. No fuss no muss. I set mine on two ceramic floor tiles for safety reasons. It has a built in thermostat so it shuts off/on and does not ...
by btenny
Thu Nov 16, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 2020

Re: RE sale: long close vs. bird-in-hand

The earnest money proposed by the buyer for Option A is too small IMO versus the time and effort involved. If you really like the person and the deal and want to do that option then counter the offer and ask for more earnest money. Get at least 10% of the sales price and make it unconditional. And m...
by btenny
Wed Nov 15, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10601

Re: 55+ Early retirement offer.

I doubt that any ER package by a Fortune 500 company is going to get done by the end of this year. It is too late. These things take time to explain to the employees and then more time for the eligible people to make decisions and then more time to do all the exit interviews and paperwork. Think 3-4...