Search found 3902 matches

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: 926

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: 10
Views: 431

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: 69
Views: 4129

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: 69
Views: 4129

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: 37
Views: 3382

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...
by btenny
Tue Jun 20, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 37
Views: 3382

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

When I downsized (in 2001) we took almost a year to find a home we liked that fit our new needs. Our kid home was 3300 sq ft on 1.5 acres with 4 bdrms/3 baths. We lived there 21 years. That home had a giant detached garage and two huge grass yards and 30 trees and play courts and so forth. When our ...
by btenny
Mon Jun 19, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 95
Views: 9235

Re: Amazon Buys Whole Foods

Anyone have a guess who the other suitor is for Whole Foods? The market annalists think the price offered by Amazon is too low for Whole Foods and that one or two other big players will step in and bid for the company at a higher price.
by btenny
Mon Jun 19, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 37
Views: 3382

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

How are you going to downsize and not move twice? Do you have to sell your current home before buying you new smaller home? Or can you finance and cover a mortgage for the new home until you sell the old home? So I suggest you figure out your move plan first. Then I would sell the home as is. I migh...
by btenny
Mon Jun 19, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: California Vacation - Bay Area, So Cal, or Both (with coastal drive)?
Replies: 20
Views: 1260

Re: California Vacation - Bay Area, So Cal, or both (with coastal drive)?

As I said when you ask before I would not go to Northern California with this age kids now that Hwy 1 is blocked. The kids will get bored with just doing SF for a week. Adding some hiking or biking will only help a little. So I suggest you take the kids and go to Mission Bay in San Diego. Go to the ...
by btenny
Sun Jun 18, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 44
Views: 3038

Re: Fermenting Vegetables

Google chimchi and cancer. There are lots of references.
by btenny
Sun Jun 18, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 44
Views: 3038

Re: Fermenting Vegetables

Did you people go read the articles about Kimchi and other pickled vegetables? The scientific data is pretty clear that Kimchi raises the odds of getting cancer. I love the taste of the stuff but I will not go out and start eating a lot of it after reading this data.

Good Luck.
by btenny
Sun Jun 18, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Should I get a second vehicle?
Replies: 5
Views: 475

Re: Should I get a second vehicle?

Welcome to Bogleheads. I agree you are putting a lot of miles on your truck. But getting a second car for "fun" rather than just a used commuter car is not going to save you any money. Why do you have the truck other than towing your boat? Because I see the "stick shift car" and ...
by btenny
Sun Jun 18, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Deck needs replaced, what should I get?
Replies: 17
Views: 1415

Re: Deck needs replaced, what should I get?

Beware... Just because you are thinking Trex, you should understand the support structure for a composite deck has to be regular wood. Trex is not strong like regular wood. So you need to study how the contractors are putting in the new support structures. Are they setting the beams on cement piers?...
by btenny
Sat Jun 17, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: house or condo for a frequent traveling family?
Replies: 17
Views: 1653

Re: house or condo for a frequent traveling family?

What do you currently do with your stuff and the apartment while you are gone out of the country? I bet it is just easier and cheaper to rent a store room and put your stuff in it for the away periods and then drag it out for the home periods. Yes doing this storage thing is a PIA and you cannot get...
by btenny
Fri Jun 16, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 95
Views: 9235

Re: Amazon Buys Whole Foods

This will be very interesting. Whole Foods has started a development project in South Lake Tahoe for a new store. We already have four major grocery stores and two other smaller grocery stores for 30K people and some tourists. So we have lots of food stores. We were shocked when Whole Foods was anno...
by btenny
Wed Jun 14, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy and move?
Replies: 19
Views: 1369

Re: To buy or not to buy and move?

I suggest you rent a 2 bedroom apartment or small house very near your son right now. Do not sell your home so fast. Try out living in two places for a while. Go and live in the new place and stay near your son and help out with the new grand kid and see how you and they like it. See how much you mi...
by btenny
Wed Jun 14, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Genetic testing and insurance
Replies: 16
Views: 1281

Re: Genetic testing and insurance

And if insurance companies deny you coverage they have to tell you why. They may make it hard to find out why but if you ask in writing they have divulge the information.

Good Luck
by btenny
Wed Jun 14, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Genetic testing and insurance
Replies: 16
Views: 1281

Re: Genetic testing and insurance

Life insurance companies can use this data for rating purposes. Plus if the paperwork asks about the condition you have to tell them if you know you are likely to get it due to genetic vunerability. Same for medical insurance.. They want to know what you know so you have to tell them. So buy some te...
by btenny
Wed Jun 14, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1817

Re: Cooktop died, not repairable, need recommendations

GE Profile glass top 36 inch is good for us. The version we have has no knobs. It is all touch controls. We like it and it cooks good. It cleans up OK if you use the special glass stove cleaner and scrub it when dirty. Gas is better but that house is all electric We might do the induction version if...
by btenny
Tue Jun 13, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 32
Views: 2654

Re: Moving to Phoenix. Need advice.

Dom. I have no clue what you are talking about or is this just a jest? Maybe you are just trying to discourage more people from moving to Phoenix and making it even more crowded. Phoenix is a great city in lots of ways. It is good place to live and raise a family. The weather is great 6 months a yea...
by btenny
Tue Jun 13, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Requesting Feedback: Overall Portfolio | CA resident
Replies: 2
Views: 398

Re: Requesting Feedback: Overall Portfolio | CA resident

You seem to be doing great in almost everything except taxable. I suggest you sell all those small allocations and buy intermediate tax free muni bonds for 10% or so of your taxable funds. Then move all that cash you hold in your checking account for emergencies to tax free limited term muni bonds a...
by btenny
Tue Jun 13, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 226
Views: 34024

Re: Regret early retirement/downsizing

I retired early and immediately realized I could go skiing full time. I love to ski and all through the years from age 21 on I wanted to ski a lot but never had the $$ or time. So for the next 5 seasons I skied around 150 days a winter. I loved it. It took me six years to get enough. Now 18 years la...
by btenny
Mon Jun 12, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: condo maintenance - AC unit
Replies: 2
Views: 554

Re: condo maintenance - AC unit

Coils do not need service. Yes they need to be cleaned if the get really dirty but only then. The guy was trying to get extra service calls. Most modern AC units need no service unless they are broken.
by btenny
Mon Jun 12, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Renting Stuff [Renting out a boat dock]
Replies: 7
Views: 663

Re: Renting Stuff [Renting out a boat dock]

Thanks for the comments. I was sort of leaning the way you all discussed it and now I am sure I will not be renting to this person.

Good Luck.
by btenny
Mon Jun 12, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Renting Stuff [Renting out a boat dock]
Replies: 7
Views: 663

Renting Stuff [Renting out a boat dock]

I have a home on the water with a big boat dock. The dock can hold three boats and 1-2 wave runners if tightly packed. I have never rented any of the spaces. I use the dock for my boat and occasionally let a friend or relative use a space for few days. Now I am thinking I will rent one space for the...
by btenny
Sun Jun 11, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investment crossroads, which path to pick....please critique.
Replies: 11
Views: 1506

Re: Investment crossroads, which path to pick....please critique.

I suggest you put a lot of the inheritance into short and medium term tax exempt bonds funds in your taxable account. I suggest you adjust your asset allocation to 60/40 or maybe 55/45 so that means a lot of bonds in taxable. I like VWITX, Vanguard Intermediate Term Tax Exempt and VMLTX, Vanguard Li...
by btenny
Sun Jun 11, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Joint bank account w/parent or not?
Replies: 28
Views: 2037

Re: Joint bank account w/parent or not?

When my father in law passed away in 2013 he had my wife on his checking account as a joint owner and signer. She had been to the bank with him and met his banker and also was on his safe deposit box. That dual ownership worked great. He had $50K or so in the checking account, so a lot of cash. This...
by btenny
Sun Jun 11, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22684

Re: Tesla Model 3 or Chevy Bolt?

How does a charging cycle count in a Tesla? Does it like to the charged and plugged in every day even if it is not driven? I am thinking about older people like me who do not commute owning a Tesla 3 and charging it after going to the store for 3 miles and then doing that every day. Does that use up...
by btenny
Sat Jun 10, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Fence Dilemma
Replies: 31
Views: 2567

Re: Fence Dilemma

Ask her about replacing the fence and offer her the option of paying for half the lumber costs. Tell her you are getting a deal on the labor so you will cover that. That gives her some ownership of the result and not too big a bill. Then go ahead and replace the fence and don't get bothered if she n...
by btenny
Sat Jun 10, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22684

Re: Tesla Model 3 or Chevy Bolt?

Well the Model 3 is getting closer. I saw a Model 3 in the wild driving south on HWY 395 near Bishop. That is south of Reno and in the mountains. I guess they are testing the car for various issues. So maybe they will start limited production next month or the next month. Good luck to those that are...
by btenny
Sat Jun 10, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2106

Re: Naming boat

My Assets Here
Fun Floats
Margaritaville
Dear Wife's name
Dear Daughter's name
More Than Enough
Money Floats
by btenny
Thu Jun 08, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel credit card?
Replies: 8
Views: 828

Re: Cancel credit card?

If you have not used it in years I am pretty sure it is void and no longer can be used. If you want to keep your credit score up you need to have a few working credit cards and no charges on them. So periodically charge something to each card you want to keep. Like once a year. So if you do not want...
by btenny
Thu Jun 08, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Electric Razor
Replies: 17
Views: 1419

Re: Electric Razor

I have used Norelco electrics for about 55 years. Now days I have the rechargeable kind that is corded or cordless as needed. It provides a good soft shave. I have a lite beard so it works great. I really don't remember how long it has been since I bought this, maybe 8-15 years ago. So they last a l...
by btenny
Thu Jun 08, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 1583

Re: New Construction Buying Advice

Can you tell us a little about what kind of home and subdivision you are buying into? The issue is is lots of things that apply to $800K houses are not important for $300K condo? And why are you buying a new home versus a older home with full decorations and landscaping? So tell us more. Good Luck.
by btenny
Thu Jun 08, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 32
Views: 2654

Re: Moving to Phoenix. Need advice.

I guess I do find a place that looks OK in north Central Phoenix at 33 W Missouri that is in the Madison school district. It is shown below. It is a mile north of the Camelback and Central train station. So you could walk or ride your bike to the train that short distance even in the heat. But I hav...
by btenny
Thu Jun 08, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 32
Views: 2654

Re: Moving to Phoenix. Need advice.

I can tell you are not a Phoenix native or previous visitor. It is crazy HOT in Phoenix in the summer. No ones bikes anywhere in the summer except at 4 AM in the dark. And those people get run over by our bad drivers in Phoenix. And they still sweat their a**es off as it will be 85ish at 4 AM and 95...
by btenny
Thu Jun 08, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 32
Views: 2654

Re: Moving to Phoenix. Need advice.

Another long time Phoenix resident here. Welcome to town. My son in law is also Army and former recruiter but now over seas. See the listing below on 60th street for sample housing. This unit is in south Scottsdale or east Phoenix depending on how you define stuff. People mix names of areas here a l...
by btenny
Wed Jun 07, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5790

Re: Pimp my DW's ride.

My wife would settle for one day per week for leaf blowers rule and love it versus every day now.
by btenny
Wed Jun 07, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Real wood and carpet in a hot house
Replies: 13
Views: 1052

Re: Real wood and carpet in a hot house

85 is ok for furniture 95 is not. Also toilets stay ok at 85. At 89 or so the evaporation is too fast.
by btenny
Tue Jun 06, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation, mortgage, etc... please.
Replies: 6
Views: 596

Re: Help with asset allocation, mortgage, etc... please.

Tell us your spending and then we will tell you how you are doing. From what you have said between the lines I think you should sell the big house and downsize to a condo for less money. Then invest the rest in passive stuff. Why does a single person need a big $2.75M house? You are paying huge expe...
by btenny
Tue Jun 06, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5790

Re: Pimp my DW's ride.

Tomato I am glad you do not have a HOA. Many of us do have a HOA and I think they serve their purpose. Think about all the HOA boards on buildings in NYC that review potential tenets and reject rock stars due to noise. My HOA and their nosiness is sort of like that. I pay them $100 per month to take...
by btenny
Tue Jun 06, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Real wood and carpet in a hot house
Replies: 13
Views: 1052

Re: Real wood and carpet in a hot house

I live in Phoenix and have left for summers for many years. I do NOT turnoff my AC. I do set it up to 85-88 and my summer electric bills are $40 a month. I turn off my water inside the house and leave it turned on for the yard. I turnoff the water heater and I have no live house plants. I do have si...
by btenny
Tue Jun 06, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits?
Replies: 49
Views: 2269

Re: Trailer Towing Tidbits?

Get a two axle trailer from U-Haul. They tow much better and easier. Many of them also come with spare tires so try to get one with a spare. When you go to pick up the trailer hook it up and try to move the trailer on the hitch. Many U-Haul hitches are over sized versus your ball size so the hitch m...
by btenny
Tue Jun 06, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5790

Re: Pimp my DW's ride.

Tomato. The more difficult question regarding matte car finishes and the "ghetto look" (my word) is how your HOA will perceive this "style"? I know my HOA people would go nuts if I parked a car like that in my driveway. They are fierce about advertising signs on cars and other ve...
by btenny
Tue Jun 06, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5790

Re: Pimp my DW's ride.

I am with you about having a car you like. Around my neighborhood there are tons of fancy cars. None of them can be driven anywhere near their capabilities in this suburban area. It is common to see a pro ball player or his pretty wife in a fancy MB or some other exotic. It is also common to see old...
by btenny
Mon Jun 05, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Timing – Update
Replies: 9
Views: 1396

Re: Early Retirement Timing – Update

If you have any great hobbies or desires I suggest you retire tomorrow. You have enough money to quit. So go find and do what you want and pursue your passions. Live life while you are young and strong.

Good Luck.
by btenny
Mon Jun 05, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 70
Views: 7876

Re: Help me choose an EXPENSIVE* red wine for a gift

Oh and I would not buy any of the European wines from some store. They may be as good but who knows their history and handling. There are lots of complications with shipping wine and storing it before it is opened. So buying a wine from a store with unknown history is taking a big chance. The wine m...
by btenny
Mon Jun 05, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 70
Views: 7876

Re: Help me choose an EXPENSIVE* red wine for a gift

Buy your friend any red wine that suits you from the Stag's Leap cellars. His wife will know you have good taste in wine and know the label. I suggest you buy two bottles and then open one and taste and drink it and give your friend the other bottle(s). If you want to splurge buy him two bottles of ...
by btenny
Mon Jun 05, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 6763

Re: Flying first class, business, versus economy.

Wife and I are looking at this trade off now for a trip later this year. We are looking at $3k for two of us in Premium seats from the west to England. This includes one checked bag each, free food and free drinks and good seats that recline and have a lot more legroom. If we fly total cheap seat ec...
by btenny
Mon Jun 05, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5790

Re: Pimp my DW's ride.

Car and Driver complete review of the Bentley SUV including off roading in Moab. C & D really liked the car. But it is really a lot more expensive than a Range Rover so don't show it to your wife unless you are ready to spend this much.

http://www.caranddriver.com/bentley/bentayga

Good Luck.

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