Search found 4397 matches

by btenny
Sat Jun 09, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2522

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: 1571

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: 3697

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: 404

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: 1822

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: 1800

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: 4184

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: 4184

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: 3854

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: 3153

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: 1469

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: 3006

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: 2682

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: 1067
Views: 84245

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: 17353

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: 1067
Views: 84245

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: 1192

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: 2447

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: 50
Views: 4186

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: 1704

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: 4870

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: 1704

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: 1432

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: 4870

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...
by btenny
Thu May 03, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5430

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

The 4Runner has a harsh ride. It has low quality interior fabrics and surfaces. Lots of plastic. It tows way less. It is reliable. It is good in snow and dirt and off road.
by btenny
Thu May 03, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5430

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Deikel.... You really do not understand much about people or why people really really like Jeeps. They are not a boring to drive nor look exactly like most other cars on the road. Jeep Wranglers are just FUN to drive and ride in with the doors off and out in the country or down the street or out for...
by btenny
Wed May 02, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Nontraditional Cruising
Replies: 21
Views: 2388

Re: Nontraditional Cruising

I just spent 14 days going through the Panama Canal from LA to Miami. It was a fantastic trip. We traveled with Norwegian. It was a medium sized cruise ship with 2300 mostly older adults. We visited 4 countries in Central America (Mexico, Costa Rico, Columbia and . We took the high end shore excursi...
by btenny
Wed May 02, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5430

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Your wife is right the Jeep Grand Cherokee is just cool and a great SUV. No other car SUV offers similar functionality. I own one now and used to own two. I will probably buy a third this summer They are just unbeatable for driving in bad weather with big snow or towing big boats or going out in the...
by btenny
Mon Apr 30, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: Mental elasticity as you age & free choice paradigm
Replies: 17
Views: 3028

Re: Mental elasticity as you age & free choice paradigm

In 2002 I took over my investments from my adviser like all good Bogleheads. I wanted 30% or so in international. At that time the best choices were good active funds. I went with Harbor funds for large foreign stocks. That has been a good choice for most of the past 18 years. But now the manager ha...
by btenny
Sat Apr 28, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Lake Tahoe
Replies: 28
Views: 2407

Re: Lake Tahoe

Spend at least one to two days on a round the lake sight seeing trip. Visit Emerald Bay, Sunny Side restaurant, North shore drive, Sand Harbor, one the the east shore hike to beaches, and the finally back to Zephyr Cove. You can really take a lot longer to just enjoy the lake by doing hikes and beac...
by btenny
Sat Apr 28, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 3054

Re: When would you replace a car?

I suggest you look around and find a nice used car for $10K or so after trading in your old Honda. You like the Subarus so look for a nice Forester or a Imprezza. You have all summer to find a good used car so you should be fine. I suggest taking the money from the extra house $$$.

Good Luck.
by btenny
Thu Apr 26, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Denial- How to Proceed?
Replies: 12
Views: 1769

Re: Medicare Denial- How to Proceed?

Medicare is a PIA about routine blood tests and doctor office visits in less that 1 year or so for normal illnesses that need to be monitored. They will pay for tests for a doctor to search for a new diagnosis but not for return tests for the same thing next year unless you wait for 1 years plus a d...
by btenny
Tue Apr 24, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Family trip, Southwest USA
Replies: 27
Views: 2265

Re: Family trip, Southwest USA

Look into visiting Mesa Verde national park and pueblo cliff dwellings near ABQ. It is really cool. Kids may like it more than grand canyon. Also visit Lowell observatory in Flagstaff for some star gazing. Also think about going to the Hopi Indian Reservation and 2nd or 3rd Mesa villages. They are o...
by btenny
Sat Apr 07, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3873

Re: Active Adult Retirement Communities

Look at Sun City and Sun City Grand and Sun City West in West Phoenix suburbs . All three are nice but each has different style homes. There is also Sun City Anthem way south near Florence. There are also several other communities in that area by Chandler and on down to Tucson. But beware it is real...
by btenny
Fri Apr 06, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Anything that Has Great Long Term Returns but Is Underperforming In the Current Cycle?
Replies: 7
Views: 1036

Re: Anything that Has Great Long Term Returns but Is Underperforming In the Current Cycle?

Major oil companies like XOM and CVX and COP are under valued right now versus their long term previous trend. Raw oil prices have recovered a lot from previous lows so the majors are making money. Oil makes up a majority of the commodity index. But other parts of the commodity index like mining sto...
by btenny
Fri Apr 06, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6791

Re: Want/need some income in semi-retirement

I know this is not what you ask. But have you looked into doing a reverse mortgage on your home? I had a very good friend who did one of these back in 2003ish. He needed money and was too old to work. He got a small reverse mortgage loan and started receiving monthly payments. Every thing was great....
by btenny
Fri Apr 06, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 4330

Re: Undecided students and STEM majors

When my daughter was looking at UC schools they told us flat out that they had severe class crowding problems. This was in 1999 at UCB and UCSLO. The graduation time in those days was at 5 years for most degrees and sometimes 6 years for some engineering and architecture degrees. This was one of the...
by btenny
Thu Apr 05, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Second home [buy with retirement funds?]
Replies: 51
Views: 3222

Re: Second home [buy with retirement funds?]

I gave you the wrong info. The guy who lived in Vail is fishnskiguy.

Good Luck.
by btenny
Thu Apr 05, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Second home [buy with retirement funds?]
Replies: 51
Views: 3222

Re: Second home [buy with retirement funds?]

Oh and I wanted to point out a few issues with a sea level home and a high mountain home. Vail is 950 miles from San Diego. That is not a distance to do "spur of the moment" unless you own a Lear Jet. :D It is at least 15 hours by car and 6 to 9 hours or more by air line and $600ish. Pretty complex ...
by btenny
Thu Apr 05, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Second home [buy with retirement funds?]
Replies: 51
Views: 3222

Re: Second home [buy with retirement funds?]

I have a permanent home in Phoenix and a second home in Tahoe. We like to ski and boat so we use the Tahoe property in winter and summer. We like the big city and mild winters of Phoenix. We use both our homes a lot. We do not rent them out. But travel back and forth to each place is challenging due...
by btenny
Wed Apr 04, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6791

Re: Want/need some income in semi-retirement

Docent at one of the museums or other public facilities around the DC area.

Tour guide for the various tour companies.

School guard or school crossing guard.

Doctors or dentists office clerk or secretary.

Fast food worker.

Good Luck.
by btenny
Tue Apr 03, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84245

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

Can someone please tell me why the Chevy Bolt does not do Super Charging? I read that that car can be charged only at 240V. That seems slow to me. Please explain.
by btenny
Mon Apr 02, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Replacing a deck
Replies: 14
Views: 2053

Re: Replacing a deck

My deck was slanted and crooked. I paid a carpenter guy to crawl under it and jack it up and set added beams in several places. He measured stuff and then went and bought some short 4X4 beams. Then he crawled back under the deck and put those beams in a few places. It is totally level now and is muc...
by btenny
Mon Apr 02, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time to retire
Replies: 23
Views: 3745

Re: Is it time to retire

Yes you have the $$ to fully retire immediately. But do you want to and do you have some serious hobbies or activities that you want to pursue? Most people want to travel and have a few hobbies. Do you? If you are unsure maybe you should discuss a leave of absence with your boss. Talk to him/her abo...
by btenny
Sat Mar 31, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 5515

Re: Should I loan my child money for college?

I was in a similar situation way back when. My daughter was thinking about going to a expensive school out of state or a expensive private school. I had just early retired. We have a good in state school about 25 miles from our house. I could afford helping her out by paying her in state tuition and...
by btenny
Wed Mar 28, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84245

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

TOO MANY PARTS. The whole advantage of electric is few parts. But Tesla ignored that with the crazy complex battery. So now the costs and production details are killing them. Surprise the design sucks.... How much money are they loosing on each model 3 made?

And now it is too late to fix it.
by btenny
Wed Mar 28, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Travel reservations for work on personal card
Replies: 10
Views: 622

Re: Travel reservations for work on personal card

Do not make plane reservations until May. Tell your boss you are waiting and do not want to float the air fare cost for a long time. Point out that the cost will be higher if you wait and there may be issues with getting good timely reservations. If he objects tell him you will make the reservations...
by btenny
Wed Mar 28, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 4259

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

I also paid my kids regularly via a Dad "paycheck" once a month. I gave them a prearranged college "spending money" amount every month for the first 2 years they went to college. Then they had to mange that money and make it last until they got paid the next month. I also gave them a semester tuitio...
by btenny
Wed Mar 28, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 4259

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

Teach your kid how to use a "bill pay log book". I taught my wife and both of my kids how to do this and it works great. I buy a steno pad and use it to track my house hold bills. I bought a separate pad for each of my kids to track their bills. I fill out a page for each month of the year and write...
by btenny
Sat Mar 24, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11720

Re: Underrated places to visit in U.S.?

If you are interested in air planes, Arizona has the best flying weather in the world and some of the best air museums in the world. You can see old WWI and WWII planes and tons of other cool old planes. Plus there are lots of old air liners and important planes to look at. Planes like the President...