Search found 3947 matches

by btenny
Fri Aug 18, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Draperies or Honey Comb Shades/Blinds?
Replies: 10
Views: 630

Re: Draperies or Honey Comb Shades/Blinds?

I have the honey comb shades on two patio doors and they have worked OK for 15 years. They are lightly used so they are still in good condition. They keep out the cold in winter and the sun in summer. Mine are opaque white so I have to raise them to see out the door. When they are closed they let in...
by btenny
Thu Aug 17, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 44
Views: 2319

Re: Non-fiction bucket list

Talking Straight by Lee Iaccoca -- https://www.amazon.com/dp/0553052705 Just Do It by Donald Katz -- https://www.amazon.com/Just-Do-Donald-Katz-ebook/dp/B003XREHTW/ref=sr_1_1?ie=UTF8&qid=1503024916&sr=8-1&keywords=just+do+it+book#customerReviews Where have all the leaders Gone by Lee Iaccoca -- http...
by btenny
Tue Aug 15, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6219

Re: Is $9000 too much for a sectional sofa ?

Yes that is huge.
by btenny
Sun Aug 13, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1091

Re: Alternatives/choices with ambulance or rescue squad

It has been my experience that if you call 911 and the paramedics think you need to go to the hospital they will force you to ride in the ambulance they order to the nearest hospital that they pick. You will not have any choice on the hospital or any choice on transportation mode. So unless you refu...
by btenny
Sat Aug 12, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Folding Electric Bike
Replies: 37
Views: 1849

Re: Folding Electric Bike

MY BIL has two folding regular bikes. They work great and are light weight and easy to ride. He carries them in the back of his truck. I think they weight about 15 pounds so they are easy to handle and load and so forth. I have other friends who carry their regular road or mountain bikes on car rack...
by btenny
Sat Aug 12, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Progress, thanks, and seeking advice on 2nd careers
Replies: 20
Views: 2331

Re: Progress, thanks, and seeking advice on 2nd careers

I retired from big tech and my fortune 500 job at 52. I did engineering for part of my career and then moved to management and system design and new business generation. I was burned out from all the travel and long hours and politics and so forth. I planned to take a year off then go back to work. ...
by btenny
Fri Aug 11, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2156

Re: Laptop suggestions pls

I have two HP Spectre 13 inch multi mode laptops. I really like the light weight and good performance. It is a aluminum hard case laptop with good specs, I7 processor, hi-res touch screen, good keyboard, 512GB SSD disk, and 16GB RAM and the battery is good for 6-9 hours. It runs windows 10 well and ...
by btenny
Wed Aug 09, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 16256

Re: Life at crossroads. What would you do ?

David. Please go find and get some life coaching help. It will change your life. You obviously have a good education and a have great resume so you have a lot of knowledge and skills. But since you have had "dozens of in person interviews" and not gotten one job offer something is wrong BIG TIME. Yo...
by btenny
Wed Aug 09, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 16256

Re: Life at crossroads. What would you do ?

I am sorry this is so personal but you need to hear this. Your attitude sucks and you are not listening to anything all these smart people are telling you. No wonder you have not found a new job. You say no no no no to almost everything. Your mind is so closed and negative that all potential employe...
by btenny
Sun Aug 06, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Do I have enough to retire-retire from the military
Replies: 42
Views: 3526

Re: Do I have enough to retire-retire from the military

I think you are probably fine IF your $90K expense estimate includes your rent and taxes. The key is you will not have a lot of margin to purchase big items like cars or homes. So you will have to buy/rent and live in a LCOL area to keep your housing costs within your budget. Likewise you will not b...
by btenny
Sat Aug 05, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Do I want a landscape architect? If not, what?
Replies: 8
Views: 846

Re: Do I want a landscape architect? If not, what?

Lots of people build "Sun Rooms" in Colorado and many other places. A Sun Room seems a natural for that size and space location. They are a really nice add on to homes and if set up right can be used year round. Is this what you are thinking or are you just thinking about changing the grass to some ...
by btenny
Sat Aug 05, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Grocery prices crazy for the last five months?
Replies: 19
Views: 1979

Re: Grocery prices crazy for the last five months?

Yes did you or your wife buy a patio set or a TV at the grocery store and then include the total "grocery bill" in your spending. I know Frys near me sells all kinds of stuff.
by btenny
Sat Aug 05, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 15087

Re: Tesla - next big lottery ticket ?

Homer you are way off about GM sales. See below. GM only sell 3M cars a year in the US and more importantly they only sell 170K Cadillacs. Plus they are not driving electric car technology so they are at major risk of loosing market share as Tesla moves into the mainstream market. Yes Tesla has a lo...
by btenny
Sat Aug 05, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Grocery prices crazy for the last five months?
Replies: 19
Views: 1979

Re: Grocery prices crazy for the last five months?

I live in northern California part time and I have seen a major increase in prices in general over the last two years in most everything. Inflation is real and a BIG number up here. Gov't inflation figures up here are a joke. Homes are routinely selling for $850K or more in my neighborhood vs a few ...
by btenny
Fri Aug 04, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7819

Re: Are we house poor?

I think you are doing great. NO you are not house poor. You have paid off the house and are now investing a ton of $$ every year. So you are on a glide path to financial independence in a few years. I bet if you add your current savings and how much you are adding to the pot and then forecast forwar...
by btenny
Fri Aug 04, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: multi-location restaurant owner needs advice
Replies: 9
Views: 762

Re: multi-location restaurant owner needs advice

This being Bogleheads I think you need to focus for a while on setting up and funding a good sized retirement portfolio for you and your wife. I mean at least $500K right now. Then keep investing in this portfolio for the next 10 years or so. So I suggest you pull some money from the businesses for ...
by btenny
Tue Jul 25, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 68
Views: 3847

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

I have a 2013 Outback with 3.6 r engine and the 5 speed . It has tons of power and great reliability and drives nice. AWD works great. Mine does not have the eyesight so my windshield was $220 after a rock broke it. It would sell for $20k. I highly recommend it.
Good luck.
by btenny
Mon Jul 24, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Best value used sailboat 22-27 feet
Replies: 10
Views: 1087

Re: Best value used sailboat 22-27 feet

I live in Tahoe part time and have several friends who are sailors. They break into two camps, big boats with fixed keels and small boats with swing keels. All the swing keel people have old Catalina 22s. The love them and sail them all over. They all run small outboards for power. The boats are alm...
by btenny
Mon Jul 24, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Should I purchase Lake House for Primary
Replies: 25
Views: 2720

Re: Should I purchase Lake House for Primary

How many other full time lake people do you actually know who live at the lake? You need to study where and how your home will be located versus rental properties and the local schools. Picking your neighbors is extremely important. I live in a tourist town on a lake and we have lots of issues with ...
by btenny
Mon Jul 17, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 96
Views: 9228

Re: Is it still worth buying a house in a state with insane property taxes

Sorry but there are lots of states and locations all over the US that have very high property taxes and lots of people just pay them. Plus in many places the property is also very expensive, much more than west Chicago burbs. I think Chicago overall has a MCOL, not real low COL but not HCOL either. ...
by btenny
Mon Jul 17, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Moving out of USA, How to optimize
Replies: 8
Views: 1176

Re: Moving out of USA, How to optimize

Welcome to Bogleheads. We need to understand your current citizen status to evaluate your future investment options. And we need to understand if you are planning on staying in India in the future and when you retire. We also need to know if you will be paying any US taxes and or FICA taxes due to w...
by btenny
Thu Jul 13, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: can a city mandate garbage & recycling service? is that legal?
Replies: 36
Views: 2366

Re: can a city mandate garbage & recycling service? is that legal?

I am pretty sure cities can bill you the property owner for services they provide and you have to pay for them. I guess it is their option how they collect the money. I know the City of Phoenix bills every homeowner on every property for all services. I get a single bill that includes water, trash p...
by btenny
Wed Jul 12, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Alternative to Bose Wave?
Replies: 8
Views: 1031

Re: Alternative to Bose Wave?

I use a Bose Companion II that I use to listen to stuff on my laptop. The sound is great and I have about half my CDs on it. I can also play CDs direct. I also listen to CDs a little on my old boom box and on my big stereo with JBL 100s. I also have a Bose Mini that we use outside and at the beach. ...
by btenny
Wed Jul 12, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Home made "Trail mix"
Replies: 13
Views: 923

Re: Home made "Trail mix"

My wife has been making our own trail mix for use while skiing for decades. She buys most of the bulk stuff at Costco. She mixes walnuts, dried cranberries, raisins, white chocolate chips, almonds and pecans. We vary the content based on what is on sale and in our pantry.

Good Luck.
by btenny
Sun Jul 09, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: How to compromise on moving
Replies: 10
Views: 1059

Re: How to compromise on moving

Stem. Take your wife to Florida or Arizona or someplace warm next winter for 2-3 months. Rent a place with a pool or a place that has a common nice pool. Someplace like Sun City. She can set under the tree and read by the pool and you can go for long walks in the warm winter sun. Then go back to NYC...
by btenny
Sun Jul 09, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Moto G4 Memory
Replies: 10
Views: 771

Re: Moto G4 Memory

I have a Moto G3 and do not understand your issue. My phone has 1.9 GB memory for use by the CPU and I use 59% of it on average according to my screen. It says I have 794MB free for use on various applications. I never have any issues with not enough memory. Is this your concern? My phone also has a...
by btenny
Sun Jul 09, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: New Information, New Viewpoint on Investing?
Replies: 28
Views: 2528

Re: New Information, New Viewpoint on Investing?

I have been visiting here for a long time. I have always balanced each of my taxable and tax free accounts to my desired asset allocation for various reasons. So I have lots of bonds in each of my account types. I just liked the idea of tax free bonds in my taxable account so I did not have to sell ...
by btenny
Sun Jul 09, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5017

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Try eating a small can of tuna and a small green salad with minimum dressing for lunch. Drink water. Great protean and good fiber. Buy a fresh packaged turkey breast at Costco and slice it up into 1 pound bunches. Seal each in plastic for use over time. Use this with good bread and other stuff for a...
by btenny
Sat Jul 08, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody retired and relocated + bought a new house?
Replies: 26
Views: 2593

Re: Anybody retired and relocated + bought a new house?

Why are you moving? Taxes, friends, hobbies? I suggest you not buy in the new place right away. Rent to try out the new city. Maybe rent a place there now to try it out while you are working. Then maybe I'm 1-2 years buy a second home there while you are employed. Getting a mortgage with no income i...
by btenny
Sat Jul 08, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1300

Re: Android phone, which one?

Moto G3 here. Good low cost easy to use.. more user friendly than wife's iPhone. And camera is easier to use but picture quality is so so versus good camera.

Good luck.
by btenny
Fri Jul 07, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10237

Re: Last 80 minutes of my career

Have fun. Think about sleeping in next Monday. Tell the people at your job thanks for the memories. It was nice working with them. (even if it was not) and be glad that working for $$ is over.

Good Luck
by btenny
Fri Jul 07, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?
Replies: 26
Views: 6414

Re: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?

Your fine. Retire next year. Yes medical insurance will be expensive but you can cover it. You will need to watch expenses. How much equity do you have in your house above the $1M in investments? I suggest you set aside that equity money in a separate account and then be very careful if you buy agai...
by btenny
Tue Jul 04, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2251

Re: Bogleheads - how about an outdoor chair recommendation!

I have two blue Strong Back folding chairs that I have used all summer for 4 years or so. They are strong and easy to fold and heavy duty. They fit in one of those canvas bags when folded so you can carry then easily. My SIL paid about $70 each for our two and her two. They are great for the beach a...
by btenny
Tue Jul 04, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13293

Re: Bogleheads: you should be buying 10-year old cars

Actually I have lots of first hand shopping experience that says new cars are NOT any where near as comfortable as older cars. Yep almost every new car suffers from hard seats with little padding and limited spring in the seats. And unless you buy a luxury brand they are limited in adjustments. Ever...
by btenny
Tue Jul 04, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13293

Re: Bogleheads: you should be buying 10-year old cars

I have a 4 year old Subaru Outback, a 10 year old Lincoln Zephr and a 18 year old Jeep GC. So our cars are right on the 10 year average. I think this works great for us and is pretty economical. We drive the Subaru the most and for all our long trips over 100 miles. It is safe and comfortable and ge...
by btenny
Tue Jul 04, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: When to leave a job?
Replies: 11
Views: 1930

Re: When to leave a job?

Well you have a tough problem. You are right at the age where you are very knowledgeable about your job but getting very expensive salary wise. And in 2-3 years you will be over that old man age of 50 but not ready to retire yet. But the worst thing I see about your job is the not starting new proje...
by btenny
Mon Jul 03, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 7 years into retirement - reallocation
Replies: 9
Views: 1037

Re: Investing 7 years into retirement - reallocation

I let my ratio run down gradually from 50/50 at 55 to 37/63 at 70. Given your family age and health issues I think you need to get down to 40/50/10. Yep carry some cash. I also do not see why you need the risk of a lot in stocks.

Good Luck.
by btenny
Fri Jun 30, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 3021

Re: Buying a $520k House in LCOLA

Your kids are close in age to each other. They can play together on their land and ride bikes and play tag and build a fort and all kinds of out door stuff on that much space. Plus in a "close track home community" they cannot do most of this stuff. In that situation they set in side and p...
by btenny
Thu Jun 29, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Getting a new cooktop, gas vs electric?
Replies: 72
Views: 3878

Re: Getting a new cooktop, gas vs electric?

I suggest you pay a plumber to put in the gas line and then buy a moderate cost gas stove. Cooking with gas is just a lot better and the stove clean up is a lot easier. I know first hand. I have gas in one home and a electric glass cook top in our other home. Cooking with electric is just more chall...
by btenny
Thu Jun 29, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 12374

Re: How did you handle the costs of your child's wedding?

We helped both kids through college with no debt. Then DS got married (13 years ago) in a big church wedding and dinner party reception, etc.. I paid $4K or so for a nice rehearsal dinner and party for 40 or so the day before. The brides' Dad paid for the wedding and reception, etc.. When my DD got ...
by btenny
Mon Jun 26, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Won an ATV in a raffle...now what?
Replies: 39
Views: 3375

Re: Won an ATV in a raffle...now what?

Donate it back the college for use in the next raffle if they will take it. You will get the FMV as a tax deduction and save some $$ in taxes. This may be the best way to proceed since you do not want the thing and may not need the small extra income due to selling it. This is what happens to much o...
by btenny
Mon Jun 26, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Best Practices for Managing Paper Receipts
Replies: 28
Views: 2284

Re: Best Practices for Managing Paper Receipts

Old guy here but wanted to mention keeping multiple credit cards for different stuff. I traveled a ton for work and had one credit card I used exclusively for company travel stuff. Then I kept those receipts in a separate envelope in my briefcase and checked them against the bill as needed when I fi...
by btenny
Sun Jun 25, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance with allocations please???
Replies: 5
Views: 517

Re: Assistance with allocations please???

Your young wife should have a asset allocation of about 60% stock and 40 % bonds. You should have about 40% stocks and 60% bonds. All your investment accounts seem too complex to me with too many funds. You need to think about totally redoing your accounts. They are not set up with taxes in mind. Bu...
by btenny
Sun Jun 25, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: Good Article on Bubbles and Staying the Course
Replies: 27
Views: 3313

Re: Good Article on Bubbles and Staying the Course

Very good article. I liked how they talked about flippers only wanting to own a home for 6 months driving the home prices up. Then the article showed the percentage of homes ownership periods spiking in 2006. And then the regular buyers trying to do the flip things and getting hammered. Like the NFL...
by btenny
Sat Jun 24, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: 58 years old and laid off seeking advices
Replies: 43
Views: 5681

Re: 58 years old and laid off seeking advices

I think you are in good shape. You have a lot of money saved to live on. Your capital gains taxes will be much lower if you are not working for a salary so you can sell some stocks each year to live on until you get to 65ish. Then you will need to decide if you want to take Social Security or wait l...
by btenny
Fri Jun 23, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Is there "better" time of year to buy older used car?
Replies: 6
Views: 1143

Re: Is there "better" time of year to buy older used car?

Start looking before and around Christmas and close the deal by New Years has worked well for me. There are a few old model year cars still available to buy if you want a new car and lots of used cars and everything is on sale. The key is dealers need to track and reduce inventory by year end. Good ...
by btenny
Fri Jun 23, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: HP Laptop - Black Screen - Help
Replies: 14
Views: 1012

Re: HP Laptop - Black Screen - Help

One of the option buttons at the top of the keyboard turns on outboard screens and second screens and turns off the laptop screen. Try pushing that button and selecting other options.

Good Luck.
by btenny
Thu Jun 22, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 5158

Re: What is your car's average cost ownership?

Good data The Dan. But when I review this data I am very confused by the giant $11.6K maintenance costs for the 1999 Nissan Altima. This item totally drives the costs on that car. What happened to create so big a repair bill? All your other cars were $1.4K or so. So why would you spend that much on ...
by btenny
Thu Jun 22, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 5158

Re: What is your car's average cost ownership?

I purchased a slightly used Lincoln Zephr in 2009 for $14K plus taxes etc. or $14.9K out the door. It had 11K miles. Today it has 84K miles and I have spent about $1.5K in maintenance for oil changes and two sets of tires and a battery in 8 years of ownership. I could sell it now for $3-5K or keep i...
by btenny
Tue Jun 20, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 4061

Re: Want to downsize, see "to do" list. What to tackle first?

I also wanted to tell you I sold my old kid home my self to a builder. I did some renovation prior to selling but nothing major. I did most of this work my self so the costs were just materials. The sale was complicated as the first builder did not complete the sale. So I had to sell it a 2nd time t...