Search found 5538 matches

by btenny
Thu Mar 25, 2021 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing to Build a Lake House. What to Look For?
Replies: 43
Views: 4930

Re: Preparing to Build a Lake House. What to Look For?

Electric. Put in several power panels. One main box for main shut off and downstairs stuff and outlets in the garage, one upstairs for upstairs stuff and kitchen and laundry room stuff and third panel for the dock and water side electric. This small panel is on my back steps. My dock has docking lig...
by btenny
Thu Mar 25, 2021 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing to Build a Lake House. What to Look For?
Replies: 43
Views: 4930

Re: Preparing to Build a Lake House. What to Look For?

Sixteen year California lake house person here. Lived in a condo and three houses over the years. Some suggestions. Floor Plan. Build a two story house that has two distinct living areas, one upstairs and one down stairs. The upstairs should be the main living space and contain the kitchen, dining r...
by btenny
Wed Mar 24, 2021 1:52 pm
Forum: Personal Consumer Issues
Topic: Do you have a gas log insert in your fireplace?
Replies: 21
Views: 1510

Re: Do you have a gas log insert in your fireplace?

I have a gas log heater insert in my home family room fireplace in Tahoe. We use it a lot to knock off the chill of cold winter evenings. It works great but takes about 10-15 minutes to get hot enough to warm the room. It has a power blower that is noisy if run on high. We do not notice a big $$ bum...
by btenny
Fri Mar 19, 2021 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: GRRR - - Vanguard Tax error
Replies: 1
Views: 392

GRRR - - Vanguard Tax error

I just received a revised 1099 from Wells Fargo. It tells me Vanguard Hi-Yld Tax Exempt fund tax numbers changed by $300 (about) for 2020. So I went and entered the new numbers into Turbo Tax. It now says I get $1 more IRS refund but owe the state $32 less. SO GRRR. I am not sure what to do. Do I ha...
by btenny
Tue Mar 16, 2021 7:46 pm
Forum: Personal Consumer Issues
Topic: What did you successfully downshift to?
Replies: 65
Views: 7354

Re: What did you successfully downshift to?

Alfaspyder, The way ski teaching kids is different than a normal job. You come to work 5-7 days a week at 8 am. You help the kids select skis and boots and helmets for that day. First timers go in age selected groups to the bunny hill. Beginner- intermediate skiers go to the beginner lift to take a ...
by btenny
Tue Mar 16, 2021 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tax E-File vs Mail file issue
Replies: 3
Views: 301

Tax E-File vs Mail file issue

I just filled my Fed and State taxes both by mail. I tried three times to E-file the federal taxes. But it was rejected three times by the IRS for Form 1116 issues. I tried the various fixes every else used but could not get it accepted. I have over $550 I am carrying over from years ago that I may ...
by btenny
Tue Mar 16, 2021 3:32 pm
Forum: Personal Consumer Issues
Topic: What did you successfully downshift to?
Replies: 65
Views: 7354

Re: What did you successfully downshift to?

I took a year off after early retirement from my Mega Corp. Then I became a ski instructor for five winters. I did mostly part time work except holidays and kids ski week specials when everyone worked. Job is physically demanding and harder than it looks. Teaching people to ski is physically complex...
by btenny
Sun Mar 14, 2021 12:39 pm
Forum: Personal Investments
Topic: Retirement: Help I want out!
Replies: 58
Views: 7196

Re: Retirement: Help I want out!

Can you go on DH health insurance plan until you are Medicare age? What is that cost?
Health insurance for you is key to any plans.

Good Luck.
by btenny
Sun Mar 14, 2021 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Squared Away: Does higher life expectancy make people retire later?
Replies: 45
Views: 3877

Re: Squared Away: Does higher life expectancy make people retire later?

Yes. My poor family longevity was one of the factors I considered when I decided to retire early. My older brother and some uncles died in their fifties. Others lived into their 80s-90s. My parents passed in their 60s. I read Paul and Viki Terhorst book about retiring young. A few years later my com...
by btenny
Thu Mar 11, 2021 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Solved - Turbo Tax not letting me use Form 1116 (Foreign Tax credit)
Replies: 12
Views: 1222

Re: Solved - Turbo Tax not letting me use Form 1116 (Foreign Tax credit)

Well that "fix" did not work for me. I checked the 1116 form and put in the 12/31/2020 date and resubmitted it. Then my e-file return was rejected by the IRS for the third time. I have no idea what to do or why it is wrong or what to change. I am only doing foreign tax credit carry over of...
by btenny
Wed Mar 10, 2021 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Solved - Turbo Tax not letting me use Form 1116 (Foreign Tax credit)
Replies: 12
Views: 1222

Re: Solved - Turbo Tax not letting me use Form 1116 (Foreign Tax credit)

I am using Turbo tax deluxe and getting the Foreign tax error as well. My return has been bounced twice. TT generates a Form 1116 for me as I have Foreign tax credits of over $500 from 2013 that it keeps carrying forward and never finds anything but it generates the form anyway. It is not an error b...
by btenny
Wed Mar 10, 2021 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone had a TurboTax return that included a form 1116 accepted?
Replies: 200
Views: 10275

Re: E-filing form 1116 [FreeTaxUSA]

[Posts merged into here --admin LadyGeek] I am using Turbo tax deluxe and getting the Foreign tax error as well. My return has been bounced twice. TT generates a Form 1116 for me as I have Foreign tax credits of over $500 from 2013 that it keeps carrying forward and never finds anything but it gene...
by btenny
Tue Mar 02, 2021 12:47 pm
Forum: Personal Consumer Issues
Topic: Car suggestion for 70+ year-old mom
Replies: 160
Views: 8961

Re: Car suggestion for 70+ year-old mom

If your Mom wants the Buick you really should go look at slightly used cars. GM cars depreciate FAST. Here is a 2020 used Buick Encore Essence with 9.8K miles. It is priced at $22K from Carvana. I am sure there are lots of other slightly used Buicks. https://www.carvana.com/cars/buick-encore/essence
by btenny
Tue Mar 02, 2021 11:29 am
Forum: Personal Consumer Issues
Topic: snow plow pricing
Replies: 42
Views: 2965

Re: snow plow pricing

Yes you have a big driveway but $2400 seem really high. I think you should find another plow guy who is a lot cheaper. Call around and get some other quotes. i think $1500 to $1800 sounds like a more reasonable price. I live in Tahoe and we get a ton of snow. I have a medium sized two car driveway. ...
by btenny
Mon Mar 01, 2021 11:52 am
Forum: Personal Consumer Issues
Topic: Want to be a nomad but not sure about keeping a house
Replies: 44
Views: 4205

Re: Want to be a nomad but not sure about keeping a house

AirbNb and VRBOs are rented fully furnished. They can be rented for a few day or a few months. Some are designed as hotel rooms and some are full kitchenettes and studio and 2-3 bedroom apartments. You just have to look and shop around for places where you want to live. Read Lynne's blog on how to f...
by btenny
Mon Mar 01, 2021 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurer witholding claim payment till work invoiced?
Replies: 2
Views: 335

Re: Homeowners Insurer witholding claim payment till work invoiced?

Send your insurance company a letter from you and your lawyer saying your claim will be increasing as they have not paid you the full loss so you have not been able to firm up your real loss. Tell them you will be adding interest and home repair appreciation charges to your loss. Tell them your hous...
by btenny
Mon Mar 01, 2021 11:24 am
Forum: Personal Consumer Issues
Topic: Want to be a nomad but not sure about keeping a house
Replies: 44
Views: 4205

Re: Want to be a nomad but not sure about keeping a house

I suggest you read Lynne and Tim Martin's stories on her web site below. They sold their house and went world traveling and living out of suit cases for many years. She wrote a book and several articles for the Wall Street paper plus regular blog stories about their adventures and how they down size...
by btenny
Sun Feb 28, 2021 2:20 pm
Forum: Investing - Theory, News & General
Topic: VGENX/VGELX Transition
Replies: 18
Views: 1334

Re: VGENX/VGELX Transition

The big thing I see is Vanguard has decided to change VGENX away for VDE. Before both were big oil stock funds with similar holdings. Now VGENX has been changed to a go anywhere (including international) energy fund with 50% holdings in utility stocks (DUKE energy etc. ) and 50% in oil/NG resource s...
by btenny
Sat Feb 27, 2021 12:00 pm
Forum: Personal Consumer Issues
Topic: Car suggestion for 70+ year-old mom
Replies: 160
Views: 8961

Re: Car suggestion for 70+ year-old mom

The Lincoln MKX has a big touch screen in the dash like a Tesla that lets you adjust everything. It has controls for navigation, audio, phone, seats, climate, etc. It is a very easy user friendly interface. I can adjust the seats in all the different ways from this screen via a picture of each front...
by btenny
Sat Feb 27, 2021 11:45 am
Forum: Personal Consumer Issues
Topic: Car suggestion for 70+ year-old mom
Replies: 160
Views: 8961

Re: Car suggestion for 70+ year-old mom

I bought a nice used 2016 Lincoln MKX in 2019. It is much nicer and way more comfortable than any Subaru. It is a very nice car. It has 22 way power seats that are great. It has a quiet ride and all the latest safety features. My wife really loves it. She is like your Mom in age and tastes. You can ...
by btenny
Fri Feb 26, 2021 6:19 pm
Forum: Personal Consumer Issues
Topic: A gift for DW
Replies: 58
Views: 4224

Re: A gift for DW

Regarding pearls. There was a very famous lady named RBG who wore pearls a lot. She showed a lot of people how to achieve great things. So giving an accomplished lady some pearls sounds like a great idea to me.

Enjoy and Good Luck
by btenny
Fri Feb 26, 2021 10:54 am
Forum: Personal Consumer Issues
Topic: A gift for DW
Replies: 58
Views: 4224

Re: A gift for DW

Buy her a expensive and nice bottle of perfume, something like Chanel No. 5. Most women love this stuff even the frugal ones. Plus it does smell nice and will be a nice reminder of your love and her hard work every time she uses it for years.

Good Luck.
by btenny
Wed Feb 24, 2021 12:23 pm
Forum: Personal Consumer Issues
Topic: Where would you live in Phoenix if you could WFH
Replies: 125
Views: 8281

Re: Where would you live in Phoenix if you could WFH

Lexx and Work. I know my palate is not that refined. I grew up in Arizona and ate my Moms southern style cooking and dined out on Mexican mostly. But I worked and traveled all over for over 30 years and ate some great meals. Have you tasted Kangaroo steak in Adelaide, Australia? Or done San Antonio ...
by btenny
Wed Feb 24, 2021 11:46 am
Forum: Personal Consumer Issues
Topic: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...
Replies: 40
Views: 1957

Re: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...

JD you really need to look at "luxury" cars or SUVs like a Lexus or Lincoln or Volvo or similar make. The key is big multi way adjustable power seats and a smooth quiet ride. My wife and I found that most economy/mid size car models have OK power driver seats but poor passenger seats with ...
by btenny
Tue Feb 23, 2021 7:59 pm
Forum: Personal Consumer Issues
Topic: Where would you live in Phoenix if you could WFH
Replies: 125
Views: 8281

Re: Where would you live in Phoenix if you could WFH

Lexx. You really need to expand where you dine in Phoenix. I live in the Paradise Valley area of north east Phoenix. I have very nice Italian and Chinese and Mexican restaurants all within a mile of my house. Each are run by ethnic owners and chefs. Each serves good food, Maybe not MICHELIN rated bu...
by btenny
Sat Feb 13, 2021 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Logistically how do I pay LTCG
Replies: 10
Views: 872

Re: Logistically how do I pay LTCG

Many brokerage houses offer a way to withhold taxes from a sale or transfer of money. I have done this at Wells Fargo and TD Ameritrade. I suggest you call your broker and ask them if they can pay Fed Tax for you based on your recent stock sale. If not you will have to fill out and file a estimated ...
by btenny
Sat Feb 13, 2021 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering Physics as a major
Replies: 92
Views: 4594

Re: Engineering Physics as a major

Electrical engineer here. Got a BSEE and MSEE a very long time ago from a big state university. My school offered lots of choices. Back then physics was a core part of a BSEE degree. I studied semi-conductor physics and communications. Those study areas both used lots of physics and math and still d...
by btenny
Sat Feb 13, 2021 12:30 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade contact method is a joke
Replies: 15
Views: 1599

Re: TD Ameritrade contact method is a joke

I have not called them in a year or more. The response then was fast but I have a special number for high account value customers. They have also called me 2 times or so in the last year to say one of my local offices was closing and representatives were being let go. They did say that they still ha...
by btenny
Sat Feb 13, 2021 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Should we buy this house - Relocating/Working From Home
Replies: 3
Views: 6344

Re: Should we buy this house - Relocating/Working From Home

Maybe you can afford it but is it the right move? I think it depends a lot on all the details if this will work with your particular job (both jobs). Because of Covid right now all the bosses are saying OK just work from home. But I am pretty sure long term most jobs (and any very high paying job) a...
by btenny
Thu Feb 11, 2021 11:45 am
Forum: Personal Consumer Issues
Topic: I sold my boat today
Replies: 41
Views: 8111

Re: I sold my boat today

Arizona is nice. I hope you learn to like it. It is a lot different than other places in many ways. Phoenix used to be small then millions of people came here so now it is like LA, just huge. The weather in the desert half of the state is cold for 6 weeks each winter and nice or hot the rest of the ...
by btenny
Tue Feb 09, 2021 12:05 pm
Forum: Personal Consumer Issues
Topic: I sold my boat today
Replies: 41
Views: 8111

Re: I sold my boat today

Sorry for your loss. What kind and size of boat did you have? Selling stuff that brings us great pleasure is hard. Maybe you will find renting a jet ski or a boat occasionally to be good enough. Or maybe you just need to travel to a lake/beach regularly and go swimming. I am curious where was your l...
by btenny
Mon Feb 08, 2021 12:43 pm
Forum: Personal Consumer Issues
Topic: 2021 Jeep Grand Cherokee
Replies: 35
Views: 2494

Re: 2021 Jeep Grand Cherokee

I love Jeeps. I have owned one for 22 years. They are great in big snow and big snow berms and bad roads. They have huge ground clearance. The front seats are very nice and comfy. The driver controls and AC and the heater etc. are just great. The back seat is tight for two adults but works great for...
by btenny
Sat Feb 06, 2021 1:07 pm
Forum: Personal Consumer Issues
Topic: Ski racks?
Replies: 8
Views: 316

Re: Ski racks?

Skip the ski rack if traveling by air. Rent a mid size or larger SUV and put the skis inside in the back. Most modern skis are not that long so they fit if put in at an angle. Or lay down one of the back seats and put the skis over that area. If going local I suggest you also skip the ski rack. I do...
by btenny
Wed Feb 03, 2021 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house - not buying another - invest the $ ???
Replies: 6
Views: 624

Re: Selling house - not buying another - invest the $ ???

Sorry for your situation. Try to enjoy what time you have left together. I suggest you keep the house money in the bank for a few years. You may need to provide proof of money available to pay medical costs to some clinic or hospital in the near term. Break the money up into $50K or $100K chunks and...
by btenny
Wed Feb 03, 2021 12:20 pm
Forum: Investing - Theory, News & General
Topic: No T. Rowe Price?
Replies: 74
Views: 7196

Re: No T. Rowe Price?

Way back when before I found Bogleheads I bought some TRP Capital Appreciation fund (PRWCX ). It has done very well for 18 years so I have kept it. But I also own some Vanguard Wellesley and Vanguard Total Stock market.

I hold these in a TDA Ameritrade account.
by btenny
Wed Feb 03, 2021 11:54 am
Forum: Personal Investments
Topic: Did I win the game? What shall I do with this money?
Replies: 58
Views: 6362

Re: Did I win the game? What shall I do with this money?

Buy the boat but do not go quite so big. I suggest maybe getting a nice used 23-25 footer. This size is big enough to handle well on medium rough water (2-3 foot waves) and OK in bigger 4-5 foot waves but small enough to run fast with a single I/O or twin outboards. Keep the engine hours under 500 o...
by btenny
Mon Feb 01, 2021 3:02 pm
Forum: Personal Investments
Topic: Suddenly, life "retired" us! How should I position my portfolio for the future?
Replies: 46
Views: 9137

Re: Suddenly, life "retired" us! How should I position my portfolio for the future?

Enjoy this new phase of life. I think you can retire from working for money. Go find some good activities and have fun. Do not buy a house right away. Rent for now. Find out where and what you want to do for the next few years first. I suggest you invest $500K or so of that cash in short and interme...
by btenny
Mon Feb 01, 2021 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone still file fed taxes by mail? Why?
Replies: 104
Views: 6666

Re: Does anyone still file fed taxes by mail? Why?

In the past I paper filed because e-filing gave the government all kinds of extra Turbo Tax information and extra forms and extra data beyond what was needed for calculating my taxes. I preferred they only store and enter the minimum data by hand from the few paper forms I submit. I was especially w...
by btenny
Mon Feb 01, 2021 2:04 pm
Forum: Investing - Theory, News & General
Topic: We are NOT in a bubble
Replies: 165
Views: 21528

Re: We are NOT in a bubble

This chart says stock are expensive vs PE ratios and history. I do not know if this is a bubble about to pop or just a high PE due to low interest rates and cheap money.

https://www.macrotrends.net/2577/sp-500 ... ings-chart
by btenny
Mon Feb 01, 2021 1:34 pm
Forum: Personal Consumer Issues
Topic: Trips from Scottsdale in April
Replies: 29
Views: 1942

Re: Trips from Scottsdale in April

Or take a 2-3 hour tour of Old Town Scottsdale and the Civic Center mall and park and then all the old shops and stores and then over to Fashion Square and the canal area. Go by a Segway tour or a Golf cart tour. Be careful to keep your wife's credit cards so she does not spend too much at all the f...
by btenny
Mon Feb 01, 2021 1:19 pm
Forum: Personal Consumer Issues
Topic: Trips from Scottsdale in April
Replies: 29
Views: 1942

Re: Trips from Scottsdale in April

Take a day trip to Papago Park and the Phoenix Zoo and east Phoenix and see all kinds of animals. Kids will love the reptiles and lizards and lions etc.. https://www.phoenixzoo.org/explore/animals/ Or only use part of the day at the Zoo so you have time to climb the red rocks mountain and see the ho...
by btenny
Mon Feb 01, 2021 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Quest Labs and Medicare-require credit card before drawing blood?
Replies: 26
Views: 1536

Re: Quest Labs and Medicare-require credit card before drawing blood?

Old guy here with a few medical issues. I need regular cholesterol and lipid and PSA tests. Before Medicare I used to get blood tests every 6 months to check stuff due to previous issues (not diabetes). On Medicare I have to wait one year and one day after the previous test to get blood test cost co...
by btenny
Sun Jan 31, 2021 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Quality Of Life Change After Transitioning To Part Time?
Replies: 28
Views: 1698

Re: Quality Of Life Change After Transitioning To Part Time?

Yes try the part time thing. You have saved a ton for your age. Who knows it may make you a lot happier. Or it may not change things lot. So I suggest you set a firm time line of say 3-12 months to decide if part time is better or the job is just not that fulfilling any longer.

Good Luck.
by btenny
Sun Jan 31, 2021 1:22 pm
Forum: Investing - Theory, News & General
Topic: "Retirees--Are You Spending Too Much?"
Replies: 46
Views: 5885

Re: "Retirees--Are You Spending Too Much?"

I retired year end 1998 from a Mega Corp. I was worried about a stock market bubble and not having enough money to stay retired but I wanted a new job or life style. I only spent about 4% per year for many years. I was able to stay retired by doing a few key things. First. I downsized out of my larg...
by btenny
Thu Jan 28, 2021 2:00 pm
Forum: Personal Investments
Topic: 1999 – 2009 “The Lost Decade” experience
Replies: 52
Views: 3070

Re: 1999 – 2009 “The Lost Decade” experience

I retired at year end 1998. I took a golden parachute out of my Mega Corp as I could see things going bad in the near future at my company and tech companies in general. In 1999 I sold all my Mega Corp stock options and reduced my stock asset allocation to 50/50. In 2000 I started selling out my 35%...
by btenny
Thu Jan 28, 2021 11:55 am
Forum: Personal Investments
Topic: Do you see any benefit to these portfolio changes recommended by Vanguard PAS
Replies: 27
Views: 2577

Re: Do you see any benefit to these portfolio changes recommended by Vanguard PAS

I split my taxable bond holdings into three parts in my taxable account. I hold 3 years spending $$ in limited term munis to give me low risk bonds that are available to sell in crisis as emergency money. I also hold 1-2 years spending money in BIL 3 month tbill fund. I hold 4 years additional money...
by btenny
Tue Jan 26, 2021 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh Fidelity! May have to leave!
Replies: 92
Views: 8377

Re: Ugh Fidelity! May have to leave!

You people are finally understanding why I quit Fidelity back in 1999ish. Lousy customer service. Go somewhere so you have a real person you can talk to in person about issues. Move your money to TDAmeritrade or Wells Fargo.

Good Luck.
by btenny
Sun Jan 24, 2021 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding
Replies: 78
Views: 4770

Re: Wedding

The best wedding I have ever attended was in Green Bay Wisconsin. It lasted about 12 hours for all the events. The wedding was held in a small chapel at noon and attended by 10 or so witnesses. The groom wore a nice suit. No tie. The bride wore a nice long white dress. No expensive wedding gown. The...
by btenny
Sat Jan 23, 2021 12:34 pm
Forum: Personal Consumer Issues
Topic: Recommendation(s) for Banks or CU's in Scottsdale, AZ
Replies: 7
Views: 504

Re: Recommendation(s) for Banks or CU's in Scottsdale, AZ

I bank at US Bank and Wells Fargo to have brick and mortar money management and real people for issues as the come up. Both have lots of offices all over the Phoenix area and all over the western states. Both do mortgages. I also know Guaranteed Rate mortgage company handles all kinds of new mortgag...
by btenny
Sat Jan 23, 2021 12:04 pm
Forum: Personal Consumer Issues
Topic: Best State and National Parks in the Southeast
Replies: 54
Views: 3918

Re: Best State and National Parks in the Southeast

My wife and I had a great time driving across Everglades national park. Stopped at 2-3 places and looked at the trees and alligators and birds and swamp stuff. Took a long air boat ride and tour to describe what we were seeing. Ate some gator tail and fries for lunch. https://www.nps.gov/ever/index....