Search found 4441 matches

by btenny
Mon Aug 13, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance investment
Replies: 8
Views: 945

Re: Inheritance investment

You need to provide us a lot more info on the details of her inheritance. Is it all in one account? In some real estate? In a ira? Or a mix? How is the money currently titled?
by btenny
Wed Aug 08, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 71
Views: 9409

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

I have a Lincoln Zephr that also has the passenger airbag issues. They did not have the part for 2+ years. But last week I got a letter from Ford/Lincoln that they now have the parts and I should schedule a repair. So I guess I will get mine fixed in the next month or so. Maybe you can get your cars...
by btenny
Tue Aug 07, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2304

Re: New Medicare cards. Get yours?

Edited the title. Thanks.
by btenny
Mon Aug 06, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2304

New Medicare cards. Get yours?

We have not gotten our new medicare cards. We got a note last week that they were mailed to our winter address. They should have been forwarded but they have not arrived at our summer place. Has everone got their new cards. Will they be forwarded?.

Thanks in advance.
by btenny
Mon Aug 06, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2497

Re: Medical expenses while on Medicare

I spend about $7k for two for everything Including insurance, medicare, deductables, drugs, glasses, and dental. Even with Max out of pocket we will not spend $10k. Both of us are in our 70s so this is 6 years of history. Maybe it will go up a llittle in the future due to inflation.
by btenny
Fri Aug 03, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2217

Re: Charitable giving strategy

I give a lot to DAV (disabled American vets). Recent conflicts have left a ton of badly wounded vets that need our help. I also give a lot to St Vincent de Paul food bank in Phoenix. Both of these are great charities.
by btenny
Tue Jul 31, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: RMD option online at WellsTrade
Replies: 7
Views: 320

Re: RMD option online at WellsTrade

You have to print out a rmd form and fill it out and fax it to wellstrade. The form has all the info on taxes and how much to withdraw and where to send the money. If you call them you will be told to print out the forms and what amount you need to withdraw to satisfy your rmd.
by btenny
Sat Jul 28, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: your advice on new oven
Replies: 22
Views: 1950

Re: your advice on new oven

We just bought a new electric kitchenaid oven. It does convection and conventional cooking. It cooks great and is easy to set and use. Wife loves it.
by btenny
Thu Jul 26, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: How to negotiate bills from hospital?
Replies: 22
Views: 1796

Re: How to negotiate bills from hospital?

Both of the Urgent Care places I have visited had nothing to do with the hospitals near them. The services offered were OK but DEFINITELY not a complete ER. They are fine for colds and ear aches and similar stuff, NOT kidney stones or bad falls and broken bones. And my urologist has a 2-4 week wait ...
by btenny
Thu Jul 26, 2018 10:56 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6033

Re: Hold one stock 25 years

I bought XOM in the late 1970s to hold long term. It has worked out great for the last 40 years. I think it will be fine for 25 or more years in the future. The key is they are not making oil any more and it makes up over 50% of the commodity index. https://finance.yahoo.com/quote/XOM/chart?p=XOM#ey...
by btenny
Thu Jul 26, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: If financial markets shut down, temporarily...
Replies: 42
Views: 3018

Re: If financial markets shut down, temporarily...

I have two separate bank checking accounts at two separate brick and mortar banks with local stores near me. I try to keep over $10k in each account at all times. I do this to protect against many different shutdown or bank or investment error situations. I think one of these will occur in my life t...
by btenny
Wed Jul 25, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Where can I rent a Volvo?
Replies: 21
Views: 1639

Re: Where can I rent a Volvo?

Try renting from a SIXT rental agency near you. This company specializes in high end special rental cars. They operate out of most major airports. I rented a Chevy Camero convertible from them in Florida for a week in April. It was $500ish for the week including a different drop off location. Here i...
by btenny
Mon Jul 23, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Coast to Coast 2-3 Week Road Trip
Replies: 16
Views: 1907

Re: Coast to Coast 2-3 Week Road Trip

I suggest a tour of a few great towns as you travel across the US. Go to Nashville first for all the good country western music. Then to Memphis for Beale street Jazz and the Elvis stuff. Then drive south to New Orleans for the street performers and Jazz and to get on I10 for the drive across the US...
by btenny
Mon Jul 23, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Strategy advice requested
Replies: 7
Views: 1168

Re: Retirement Strategy advice requested

My math says you have about $2.5M in savings and retirement accounts. That is enough to retire for most of us. You are both in your 60s and close to full retirement so further risk taking seems unnecessary. So I would move towards a 40% stocks/60% bonds given your ages and the high valuations in the...
by btenny
Mon Jul 23, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2582

Re: Rain shower

Thanks everyone for the info. For those that have two shower heads do you have them on opposing walls or the same walls? Do you use them so two people can shower at once?
by btenny
Sun Jul 22, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Wine chiller
Replies: 11
Views: 892

Re: Wine chiller

Put some steel balls in the freezer and use them for ice cubes in your wine. Chills the beverage fast and no dilution. See amazon for order info.
by btenny
Sat Jul 21, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2582

Rain shower

We are getting ready to redo our master shower. We are getting rid of the sunken tube and putting in a level floor and safety grab bars and a nice slide shower head. But I am thinking about adding a nice big rain shower as well. I am also planning on a wooden shower seat in lieu of a built in seat. ...
by btenny
Fri Jul 20, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 3975

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

Ashley is a terrible store. I had to do the credit card refusal dance a month ago to get a order cancelled that was messed up. It is too long and bad story to repeat here. They just do not care about product quality or the service or how they treat customers. Run run away from anything to do with th...
by btenny
Mon Jul 16, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5219

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: 14088

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: 5113

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: 60
Views: 5219

Re: Bears!!!

by btenny
Sun Jul 15, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5219

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: 5510

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: 5690

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: 1292

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: 3425

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: 1292

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: 2973

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: 3035

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: 2944

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: 1292

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: 1292

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: 1273

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: 890

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: 8580

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: 6122

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: 1471

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: 1084

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: 2792

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: 1471

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: 3397

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: 12462

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: 1471

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: 2809

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: 1684

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: 3950

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: 434

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: 1951

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: 1935

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+ ...