Search found 4084 matches

by btenny
Mon Oct 23, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Cold feet
Replies: 19
Views: 1384

Re: Cold feet

Try some UGG shearling boots. They are great and warm and cover you up to your calf.

https://www.amazon.com/UGG-Classic-Shor ... gs+for+men
by btenny
Sat Oct 21, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Turn fridge off when gone or leave it running?
Replies: 40
Views: 48204

Re: Turn fridge off when gone or leave it running?

I have two homes. I go back and forth in the spring and fall. I leave both refrigerators running full time and full of stuff. I might not open them for 3-4 months at a time. I have never had a problem in 17 years. I keep lots of condiments and candles and some frozen stuff in it. Many of my neighbor...
by btenny
Fri Oct 20, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 4832

Re: I have to fire someone that I care about personally

Given your age I suggest you find a new person before you tell her she is being replaced. Finding a "personable good talent" for a band that is over 30 but not wanting her own band with her name and control will be really hard. I bet you cannot find someone who will fit. Finding and fitting the puzz...
by btenny
Thu Oct 19, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: medicare supplement
Replies: 29
Views: 1889

Re: medicare supplment

I have F-HD with Blue Cross Blue Shield. I have coverage in California and Arizona as I snowbird. It is cheap because it has a high deductible of $2K per year. So it is big problem insurance. My wife and I have had it for 5 years and only hit the limit once. It costs $43ish per month for each of us....
by btenny
Thu Oct 19, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Europe vacation, family of 5
Replies: 15
Views: 1367

Re: Europe vacation, family of 5

I suggest you take a guided bus trip. Companies like Globus provide the hotels and buses and tour guides and all the arrangements. It is a wonderful way to travel with teenagers. I took my kids and wife for a 20ish day Globus bus trip all over Europe when my kids were 14 and 19. The bus made it very...
by btenny
Thu Oct 19, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: How to rent a house? (I'm the renter.)
Replies: 9
Views: 571

Re: How to rent a house? (I'm the renter.)

Many good long term home rentals are handled by real estate companies and list the properties on the internet. You can see pictures and prices and so forth this way. This is the good news about this type of listings. The bad news is they charge the owner big $$$ for the listing so the price is highe...
by btenny
Sun Oct 15, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Help with retirement decision
Replies: 11
Views: 1446

Re: Help with retirement decision

Bonbon you need to be careful here. The issue is what happens in a few years if you lose your husband? How are you going to pay the bills on half income? Then 10 years after that with some inflation that pension is not so good. And you with only one ss check may need some income from your investment...
by btenny
Sat Oct 14, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: California Wild Fires
Replies: 8
Views: 1165

Re: California Wild Fires

As bad as these fires are they pale versus the hurricanes. The fires destroyed 5000 homes. But they lost 50000 homes in the Houston hurricane alone. That is 10X worse. Plus they have another 50k damaged. And then there all the places destroyed in Florida. Wow.. For calibration they only build 700K h...
by btenny
Sat Oct 14, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Next Steps for My Parents, Seeking Your Expertise
Replies: 5
Views: 670

Re: Next Steps for My Parents, Seeking Your Expertise

1. I think their AA is too aggressive given their age and needs. 50/50 seems better to me. 2. I would direct all the windfall to a special needs trust for the special kid. That way in 3 years or so he/she is set up and independent. 4. I am not sure about the rental real estate. Do they manage it now...
by btenny
Sat Oct 14, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Help with retirement decision
Replies: 11
Views: 1446

Re: Help with retirement decision

What amount of social security is he eligible for at 62, 66 and 70. Are you eligible for your own SS? It seems to me that it does not matter about the lump sum if you have ss. So please advise..
by btenny
Sat Oct 14, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: New Job [403(b) rollover questions]
Replies: 4
Views: 473

Re: New Job

Do not know the answer but bumping this so someone else will. You might change title to 401k rollover issues.
Good luck.
by btenny
Sat Oct 14, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Another Job Offer Dilemma
Replies: 13
Views: 1589

Re: Another Job Offer Dilemma

Job 2 is the best choive. Shorter commute and better job.
by btenny
Fri Oct 13, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2255

Re: How does the medical billing system work?

This grossly over stated MSRP is how hospitals get giant tax write offs and maintain their non profit status. They treat uninsured and then write off this giant non collectable fee on their tax bill. So by magic they have no profit!!!!?
by btenny
Fri Oct 13, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: California Wild Fires
Replies: 8
Views: 1165

Re: California Wild Fires

The other big risk is zoning laws change. So in some cases homes cannot be rebuilt AT ALL. Or may be they can rebuilt but much smaller like 20 fout height limits or lot coverage limits. So rebuilding is not simple or easy.
by btenny
Fri Oct 13, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: California Wild Fires
Replies: 8
Views: 1165

Re: California Wild Fires

Probably the biggest risk is smoke damage. The insurance companies want to spray some air freshener in the house and call it good. But that does not work well if the whole area is burned and the smoke saturated the house. So there are big arguments over how to fix this. I know of two houses that did...
by btenny
Fri Oct 13, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4743

Re: Sonoma in October

Sixty I am going to give away a local secret. There are great wines in El Dorado county around Plymouth. This is way over east of Sacremento. They do great old vine zinfidels and other reds. Places like Sobon, Terra d'oro, Shenendoah, and others. Then drive up to Apple Hill and pick apples off the t...
by btenny
Thu Oct 12, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1296

Re: Voiceprint technology (for authentication)

Voice prints are like signatures. They vary a lot over time and circumstances so they are not really accurate. Plus they can be copied and mimicked by others. So they are like a second password, better security but not fool proof.
by btenny
Thu Oct 12, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: What is the process for liquidating inherited individual stocks?
Replies: 17
Views: 1123

Re: What is the process for liquidating inherited individual stocks?

You actually need a TIN (tax ID number) right now. This is set up via the IRS and your accountant to cover gains and losses and so forth for the estate. The tax person will charge $1-2k for estate tax work. Save that much in the checking long term. Meet with the accountant and executor to verify thi...
by btenny
Thu Oct 12, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston
Replies: 35
Views: 6274

Re: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston

I am not sure that the sales are any different than homes in a big fire. I know when we had a big fire here in Tahoe in 2007 many peo0le were not insured. They lost everything. Plus the gov'the charged them to clean off the debris after the fire and the banks wanted full payment of the mortgage. It ...
by btenny
Thu Oct 12, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: What is the process for liquidating inherited individual stocks?
Replies: 17
Views: 1123

Re: What is the process for liquidating inherited individual stocks?

I suspect your relative was a customer at AG Edwards or Wachovia back when. Then in the 2008 meltdown those people and businesses got bought by Wells Fargo and turned into Wells Fargo full service brokers. They are full service and walk in and have 1% plus sales charges and various investment plans....
by btenny
Thu Oct 12, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2533

Re: A good value wine I found...

I suggest you stock up right now. Then sell to your neighbors or save for your use. Next year the price will go up a lot. The fires will let drive prices way up...

Good luck.
by btenny
Thu Oct 12, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5623

Re: Made a career mistake- advice/next steps

Taking the wrong job happens a lot. That is why they have trial periods for new empolyees. I bet your new boss knows this is not working out. Go look for another job asap. Then move on asap. Moving back to your old company is fine if they offer you a better deal but make sure it is Ok with all the b...
by btenny
Thu Oct 12, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: What is the process for liquidating inherited individual stocks?
Replies: 17
Views: 1123

Re: What is the process for liquidating inherited individual stocks?

Wells trade is a very good low cost brokerage. You can tell the sales guy to set up an account for each beneficiary in Wellstrade. Then have him distribute the benefit split to both parties on the same day 50/50. Then after the split the beneficiaries can sell stocks and funds as needed on Wellstrad...
by btenny
Wed Oct 11, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2360

Re: cash and landlines in disasters

I am sorry but a pots phone or stashed cash in a drawer does not work in a burned up home. Same for tornadoes and earthquakes. These disasters happen in minutes and destroy your home and the phone and your cash. Your only safety net is something you can carry in your wallet like a few hundred dollar...
by btenny
Wed Oct 11, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4743

Re: Sonoma in October

ALL and I mean 100% of Napa and Sonoma and all the wineries and most of the hotels etc. are closed due to the fire. Everyone is scrambling to house the evacuees and their pets. Tourist should not go there. It is not clear when these places will open again. For now we should be praying for their safe...
by btenny
Wed Oct 11, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2052

Re: Are we taking too much risk with Bonds in our AA?

We know for fact that most bond funds lost money after inflation for many years during the 1970s. But so did investing in the stock market in most cases. I am not sure if stable value funds existed back then. The major way people made out back then was leveraged real estate.

Good Luck.
by btenny
Wed Oct 11, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 172212

Re: Tesla S

"A top fuel dragster accelerates from a standstill to 100 mph in as little as 0.8 seconds (less than one third the time required by a production Porsche 911 Turbo to reach 60 mph)[1] and can exceed 280 mph in just 660 feet. This subjects the driver to an average acceleration of about 39 m/s2 (4.0 g0...
by btenny
Wed Oct 11, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13815

Re: [Boglehead vs Mr Money Mustache philosophies]

People have been talking about living frugally and the road to riches for centuries or longer. MMM and BHs are not the first, just the latest. Ben Franklin was probably the first "blogger" who talked about frugality and life virtues with his "Poor Richard's Almanac" published in 1732. For those that...
by btenny
Tue Oct 10, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Care by Volvo
Replies: 14
Views: 1266

Re: Care by Volvo

I suspect they are just trying to compete with the Lexus dealers. I have friends who absolutely love the Lexus brand due to the hand holding and free stuff they get from the dealer. They drive two Lexus, his and hers. They like that the dealer lets them park in their back lot when they travel for da...
by btenny
Tue Oct 10, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2025

Re: Moving Stroke Victim Out of State

Cheese. Why a nursing home in Texas vs one locally where you live now in Michigan? Are there some family dynamics that I do not see? Or is moving to Texas so you have help taking care of your wife via your daughter also part of the plan? Just thinking. Hope things go better for you in the future. Go...
by btenny
Tue Oct 10, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2025

Re: Moving Stroke Victim Out of State

Do not change your drivers license or car tags right away. Keep your residence in Michigan for now. Your wife's medical situation is complicated and may change. So do not lock yourself into Texas until you are sure. That leaves your tax stuff in Michigan for now and does not open the Medicare and Me...
by btenny
Tue Oct 10, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2025

Re: Moving Stroke Victim Out of State

Cheese sorry to hear about your wife. Hope things go better in the future. As far as snow birding I have been doing that for 13 years or so. I go back and forth between Arizona where I own my home (paid for) and Lake Tahoe where I rent. So I pay for and keep two homes year round. I have found that f...
by btenny
Tue Oct 10, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Has Vanguard hired Computershare to administer proxy voting?
Replies: 7
Views: 972

Re: Has Vanguard hired Computershare to administer proxy voting?

I voted on line for all the funds I own and the joint account funds my wife and I own. I got emails telling me about the issues and how to go online and vote. As I recall all that voting on line is done via some proxy service company (??? which name). I got tons of emails about this stuff. But appar...
by btenny
Mon Oct 09, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Please look at my financial situation and give me your insights
Replies: 21
Views: 2231

Re: Please look at my financial situation and give me your insights

No IMO your wife cannot retire yet. But she can take more time off work for the next few years and take more vacations with you. So all is not lost. The issue is she is a spender plain and simple. And since she has no SS income and high expenses and no savings to cover her expenses you will go nuts ...
by btenny
Sun Oct 08, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 1687

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

2-3 weeks is all you can expect your team to do without your inputs and help. So taking more will be a burden. Plus if you take more and the team gets along well your boss will see he does not need you that much. But if your wife has to go back to work in 2-4 weeks then there are tradeoffs. What is ...
by btenny
Sun Oct 08, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3419

Re: Daughter's auto repair shop problems, what should we do now?

Please let your daughter deal with this. She needs to learn about getting cars fixed and getting written estimates before letting anyone work on her car. It took my daughter 1.5 cars and 5 years or so to learn about car fixes and going to good garages after college. Yours is at the first learning ex...
by btenny
Sat Oct 07, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5736

Re: Roof shingles do not match - Neighbor sent notice

I had a similar problem back when we had a tree fall on my roof. We had to replace some tiles with ones that did not match. My contractor went to the store and bought 2-3 colors of caned spray paint. He tried them and picked the one that matched our old tiles. Then he painted 4-5 new tiles to match ...
by btenny
Sat Oct 07, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: RE tax question
Replies: 10
Views: 498

Re: RE tax question

He could also flip the triplex over into a bigger property via a 1031 exchange and still take out some cash. If he did this there would be zero taxes. Plus with his history and skillset he could finance most of the new rentals. I bet he could do a bigger property that would be positive cash flow.
by btenny
Sat Oct 07, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: RE tax question
Replies: 10
Views: 498

Re: RE tax question

He could do an installment sale and spread the payout over two years for lower per year income. See the IRS website for installmental sales.

Good luck.
by btenny
Fri Oct 06, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7390

Re: How useful is a home security system?

You Arizona guys need to think again. I am a Arizona resident who was a early victim of the "rock burglar". He robbed homes in Scottsdale and Paradise Valley for 12 or more years. He focused on high end homes. He was a winter visitor. Many of the places he robbed were alarmed and empty. But some wer...
by btenny
Fri Oct 06, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2764

Re: Garage door opener on last leg

My old opener died early this summer. I found out I had to replace everything. I needed 3 new wall remotes and a head unit and a new belt drive and two new optical safety sensors. The old wall switches and outside keypad don't talk to the new opener so you have replace them. I needed two new car ope...
by btenny
Fri Oct 06, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating merit scholarships
Replies: 32
Views: 2044

Re: Negotiating merit scholarships

Have you asked your nephew where he wants to go? Each of those schools is vastly different in atmosphere and other students. My kids hated UCB atmosphere but liked UCLA and USC. They were not impressed with U of A. The other issue is can your nephew commute at one of the UCAL schools? If he can live...
by btenny
Thu Oct 05, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 30
Views: 2692

Re: RMD Question

Thanks all. I guess I can start taking my RMD on Jan 1 2018 instead of later in the year.
by btenny
Wed Oct 04, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 30
Views: 2692

Re: RMD Question

OK JW you have told me I am wrong but I did NOT find the answer in IRS pub 590. I looked before I posted and I just read it again in depth. I have read all the data in IRS Pub 590 and cannot find this detail. Everything I see says wait until you are 70.5 to take any distributions to make them count ...
by btenny
Wed Oct 04, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 30
Views: 2692

Re: RMD Question

Your need to check the IRS website for more details on IRA withdrawals before you are 70.5. I am pretty sure you CANNOT take out any rmd money in the year you are 70.5 before that date and count it as rmd... So if you withdraw $10k before you are 70.5 it is taxable but does not count toward your rmd...
by btenny
Wed Oct 04, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2466

Re: Circumstances in which a freeze needs to be lifted

I buy cable from Cox in Arizona. I never unlock my credit when we turn on the cable. They try to do a credit check every time I turn it on. That fails so they add a security deposit of $50 to my bill. I pay the bill with a autopay credit card. They do this every time even though I have had cable wit...
by btenny
Wed Oct 04, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2466

Re: Circumstances in which a freeze needs to be lifted

I have had my credit frozen for years. I have to put down $50 extra when I turn on the cable at my second home because they cannot check my credit even though I have had an account with them for a 30 years. So I do that and get the money back when I turn off the cable 3 months later. I had to turn o...
by btenny
Wed Oct 04, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2652

Re: camping trailer...need to change vehicle?

I love Jeep Grand Cherokees and have one now that I tow a big boat with. It works great pulling and OK stopping but going down big mountains is too hard. I live in Tahoe. My boat weighs about 5500 pound all in and it is very tense towing that with the jeep if I go down hills, up is fine. Plus JGCs h...
by btenny
Tue Oct 03, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9251

Re: Senior citizens can lose everything [to professional guardians via court rulings]

This kind of stuff has been going on legally for years all across the US. Here are stories from Arizona and Tennessee and other states. The Forbes article recommends a good Durable Power of Attorney and Medical Directive filed before need with a "trusted right person" who will watch over your needs ...
by btenny
Mon Oct 02, 2017 6:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4083

Re: Retirement Class of 1998 (Sheepdog's Experience)

Cheers Sheepdog. :sharebeer I too retired in December 1998. It was one of the best decisions of my life to retire early. I discovered Morningstar in 2003 when I fired my adviser and went to self directed investing. I learned a ton over the years on that board and this board. I spent about 4% of my s...