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Re: Detroit: up-and-coming technology city

Rocket Fiber may be the latest thing, but let's not forget the (formerly) staid old auto industry. I recently read a typical car may contain more than 50 computers, and auto technology keeps advancing. GM is headquartered in downtown Detroit, and Ford and Fiat-Chrysler headquarters are in the suburbs.
by cheese_breath
Mon Mar 30, 2015 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Detroit: up-and-coming technology city
Replies: 18
Views: 1233

Re: Detroit: up-and-coming technology city

I grew up about a mile from Henry Ford's Model T plant in Highland Park during the 50's and 60's. It was vastly different from what you see now. The city had peaked in population back in the '40's, and the de-industrialization had already begun, but at a slow pace. I don't know without looking, but...
by cheese_breath
Mon Mar 30, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Detroit: up-and-coming technology city
Replies: 18
Views: 1233

Re: Sued and won for drycleaner losing suit, suit now found.

livesoft wrote:Check the local thrift stores in a week. Buy the suit for $5.

And not knowing who has worn that $5 suit you better take it to the cleaners before the wife wears it. Know of a good one? :D
by cheese_breath
Mon Mar 30, 2015 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7722

Re: Investing in patio sliding doors; any guidance?

Where can you get a $7 door?
by cheese_breath
Mon Mar 30, 2015 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Investing in patio sliding doors; any guidance?
Replies: 7
Views: 681

Re: Sued and won for drycleaner losing suit, suit now found.

Glad you prevailed. I imagine you probable feel somewhat worn out after all the hassle, but the suit was probably worn out more.
by cheese_breath
Mon Mar 30, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7722

Re: Advice On Dealer's Offer to Exchange Old for new car

Unless you want a new car don't go to see them. This is a standard marketing ploy all the dealers use to sell new cars. I get a couple every year saying how desperate they are for Silverados and Impalas of my model year.
by cheese_breath
Mon Mar 30, 2015 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 20
Views: 1840

Re: Paying Taxes on Vanguard MISTAKEN Refund

In theory when you sold your shares your gain is reduced by sales expenses such as redemption fees. But if the shares were held in an IRA, then we should be talking about basis (maybe!) instead of gains, right? Of course, we don't yet know whether the sale occurred within an IRA or taxable account....
by cheese_breath
Mon Mar 30, 2015 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying Taxes on Vanguard MISTAKEN Refund
Replies: 7
Views: 595

Re: When did you take social security?

Wife and I both took ours at 62. I took mine in 2003 when the markets were near a low point, and we didn't want to draw down our investments while they were low. She took hers in 2008 when the markets were also near a low point, and we didn't want to draw down our investments while they were low
by cheese_breath
Mon Mar 30, 2015 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 150
Views: 10952

Re: Paying Taxes on Vanguard MISTAKEN Refund

In theory when you sold your shares your gain is reduced by sales expenses such as redemption fees. Consequently you paid less tax on your gain than you would have if there had been no redemption fee. So when the redemption fee is refunded you need to make up the unpaid tax. But where I have trouble...
by cheese_breath
Mon Mar 30, 2015 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying Taxes on Vanguard MISTAKEN Refund
Replies: 7
Views: 595

Re: MRD and charitable contributions

Even though the law hasn't been reinstated (yet) this year it still makes sense to do your charitable contributions from your IRA RMD in case they reinstate it later and make it retroactive. I got burned by not doing that last year. I paid my contributions out of my checking account not anticipating...
by cheese_breath
Sun Mar 29, 2015 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: MRD and charitable contributions
Replies: 10
Views: 645

Re: Sued and won for drycleaner losing suit, suit now found.

LadyGeek wrote:Please stay on-topic. I wouldn't want to see this thread unraveled.

I think we're all somewhat twisted.
by cheese_breath
Sat Mar 28, 2015 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7722

Re: Sued and won for drycleaner losing suit, suit now found.

... I'm glad you folks can see the humor in this, but I hope the OP doesn't cuff you for it. As for myself, this legal stuff is not my strong suit, and I usually expect this forum to have a more buttoned-down tone, but I just felt the need to vent about this thread before going back to thinking abo...
by cheese_breath
Sat Mar 28, 2015 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7722

Re: Sued and won for drycleaner losing suit, suit now found.

It's a choice of accepting the judgement or being taken to the cleaners. (Sorry, couldn't wait any longer. You guys are slow. :) ) Just saw this thread. Too late to alter your course now, OP. Collect payment! Your final decision might be hanging by a thread, but don't let this be that thread. Quit ...
by cheese_breath
Sat Mar 28, 2015 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7722

Re: 'Work from Home' Opportunities..?

Altephor wrote:
Hypersion wrote:If your gf is a good salesperson there is more money, much more money to be made elsewhere.



She actually works in a lab, this is more of a side project for her.

Well more power to her so long as she doesn't get her hopes up looking for easy money.
by cheese_breath
Sat Mar 28, 2015 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: 'Work from Home' Opportunities..?
Replies: 20
Views: 2187

Re: Whats a good multi vitamin?

I take Nature's Way Alive Once Daily Men's 50+ Whether it does me any good is up for debate, but it makes me feel better because my diet is not that much different from Warren Buffett. I know I should eat better, and I do try, but I love what I love. I don't eat as well as I should either and take ...
by cheese_breath
Sat Mar 28, 2015 11:03 am
 
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1199

Re: Buying a house to save on taxes?

Since you might move in the next 3 years, wait until then. Second that. Not to mention the time it might take, consider the expenses associated with selling a home compared to whatever tax savings you might get by deducting mortgage interest. There's no hard and fast rule, but some have said it's b...
by cheese_breath
Sat Mar 28, 2015 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house to save on taxes?
Replies: 18
Views: 1810

Re: Sued and won for drycleaner losing suit, suit now found.

anonyvestor wrote:.... But I would ask the wife if it were her suit.

But make sure she understands there's no way of knowing if and/or who might have worn it while it was 'lost'.
by cheese_breath
Fri Mar 27, 2015 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7722

Re: Boomer forced to retire (unemployed)

Apologies, but I'm getting more and more confused about your situation and your planning..... I think we convinced her that moving to the Philippines so her husband could retire early while she kept working to support him wasn't a good idea. Also, I seem to recall she recently moved to a lower payi...
by cheese_breath
Fri Mar 27, 2015 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boomer forced to retire (unemployed)
Replies: 34
Views: 3966

Re: Sued and won for drycleaner losing suit, suit now found.

LadyGeek wrote:It's a choice of accepting the judgement or being taken to the cleaners.

(Sorry, couldn't wait any longer. You guys are slow. :) )

Aren't you the one who's supposed to keep us on topic? :P
by cheese_breath
Fri Mar 27, 2015 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7722

Re: Reorganizing credit cards and accounts

... 1a) Locate the physical card ... This one causes me a bit of consternation. Are you implying you don't know where all the cards are? Hopefully that's not the case. But if it is it's questionable if you should have any credit cards. Meh if you have enough cards it is not uncommon to misplace a f...
by cheese_breath
Fri Mar 27, 2015 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 2786

Re: 'Work from Home' Opportunities..?

FredL wrote:I am not experienced in this. I think Avon is legitimate. I don't know the other two.

As long as there's an actual product being sold it should be legally legitimate.
by cheese_breath
Fri Mar 27, 2015 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: 'Work from Home' Opportunities..?
Replies: 20
Views: 2187

Re: 'Work from Home' Opportunities..?

... She claims the $100 is the only thing she needs to spend money on. The rest is just selling and collecting commission. And that's the rub. She works her butt off selling, sometimes door to door depending on the product, but she only gets to keep a fraction of the commission. The rest is shared ...
by cheese_breath
Fri Mar 27, 2015 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: 'Work from Home' Opportunities..?
Replies: 20
Views: 2187

Re: Boomer forced to retire (unemployed)

Agree more information is needed, but here are my knee jerk impressions anyway... 1) He's only 54. It's a little early to decide on when to take social security. It may take awhile to find a job, but don't assume he will be unemployed the next 8 years. Can he possibly find a part-time job in another...
by cheese_breath
Fri Mar 27, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boomer forced to retire (unemployed)
Replies: 34
Views: 3966

Re: Reorganizing credit cards and accounts

Cody wrote:...
1a) Locate the physical card
...

This one causes me a bit of consternation. Are you implying you don't know where all the cards are?

Hopefully that's not the case. But if it is it's questionable if you should have any credit cards.
by cheese_breath
Fri Mar 27, 2015 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 2786

Re: Sued and won for drycleaner losing suit, suit now found.

Gee, what a coincidence. They just found the suit. I wonder how many parties it's been to in the last three months. So today is the appeal deadline. Wait and see if they appeal. If not the judgment is yours, and the suit is theirs. Given their track record I might be concerned with their willingness...
by cheese_breath
Fri Mar 27, 2015 10:02 am
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7722

Re: New Orleans Destinations

Oak Alley Plantation http://www.oakalleyplantation.com/ about an hour west of NO at Vacherie. Parts of several movies including Interview With a Vampire were filmed here.
by cheese_breath
Thu Mar 26, 2015 3:07 pm
 
Forum: Personal Consumer Issues
Topic: New Orleans Destinations
Replies: 21
Views: 1409

Re: Wise move to move some $ to cash before bear market?

I knew I would get these responses. Market timing. But, it sure seems if somebody took out 30% and put it in cash at the right time, he would be sitting pretty. I know, at the right time... Why just 30%? Why not move everything into cash "at the right time''? Because that would be blatant Mark...
by cheese_breath
Thu Mar 26, 2015 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 101
Views: 9875

Re: My deployed soldier is coming home!

ShiftF5 wrote:As Mel said please thank your son for his dedication and service. It is much appreciated.

+2
by cheese_breath
Thu Mar 26, 2015 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: My deployed soldier is coming home!
Replies: 24
Views: 2581

Re: My deployed soldier is coming home!

The first piece of advice is to have him put it all in an online savings account or short term CD while you both explore the other options. Don't jump into anything you might regret later.
by cheese_breath
Thu Mar 26, 2015 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: My deployed soldier is coming home!
Replies: 24
Views: 2581

Re: Wise move to move some $ to cash before bear market?

riptide wrote:I knew I would get these responses. Market timing. But, it sure seems if somebody took out 30% and put it in cash at the right time, he would be sitting pretty.
I know, at the right time...

Why just 30%? Why not move everything into cash "at the right time''?
by cheese_breath
Thu Mar 26, 2015 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 101
Views: 9875

Re: Building a new house. Any recommendations?

- Lots of extra electrical outlets... Especially outside. My house only has one in the back, and anytime I want to do something in the front I have to run an extension cord from the garage. Also if it hasn't already been mentioned a plug for your garage door opener. I had to run an extension cord f...
by cheese_breath
Wed Mar 25, 2015 10:43 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 51
Views: 4441

Re: Building a new house. Any recommendations?

Heated toilet seat for those cold CT mornings? :D
by cheese_breath
Tue Mar 24, 2015 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 51
Views: 4441

Re: Notice Requirement in Employment Contract

Not a lawyer, but here's my opinion... What could they do and what would they do are two different questions. They could sue him for breach of contract, and then a judge would rule on whether it is enforceable or not and possibly assess penalties. (I can't imaging any penalties would be very big. Ma...
by cheese_breath
Tue Mar 24, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Notice Requirement in Employment Contract
Replies: 2
Views: 523

Re: External Hard Drive?

obgraham wrote:Those folks claiming external HD's aren't the way to go: I've had half a dozen of them, zero failures.

I've had two fail over the last 11 years so that's not bad... An Iomega and a Western Digital
by cheese_breath
Mon Mar 23, 2015 10:54 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2326

Re: Budget ?

P_Bennett wrote:Chesse -

Thanks. That's exactly how I do it now. It's labeled that in my budget, and I have a separate online savings account that I direct the money to.

Note. I edited my comment to provide additional clarification just about the same time you were commenting.
by cheese_breath
Mon Mar 23, 2015 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Budget ? [Household budget, how to manage gap in income?]
Replies: 8
Views: 1210

Re: Budget ?

I'd basically do what your proposing except I'd label that line as 'summer savings' to distinguish it from 'real' savings. In effect during the months while your wife's working it is an expense and would have a positive value. During the summer when you're drawing it out it would have a negative val...
by cheese_breath
Mon Mar 23, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Budget ? [Household budget, how to manage gap in income?]
Replies: 8
Views: 1210

Re: Urgent Care Centers - When should they be used?

I find they're a handy substitute for my primary care doctor when he's so booked up with appointments that I'd have to wait a week to get in. If I have a flu or rash for example I can get a doctor to examine me and write the necessary prescriptions right away. The one's I've used do have diagnostic ...
by cheese_breath
Sun Mar 22, 2015 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3664

Re: External Hard Drive?

A possible failing drive isn't the only reason you should do backups. If a virus ever invades your system it's nice to have a system backup made before the virus got in.
by cheese_breath
Sun Mar 22, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2326

Re: External Hard Drive?

... Also, if it's Windows, consider downloading the no-cost version of Acronis Drive Monitor which does a decent job of presenting the S.M.A.R.T. status of your internal drive... Can Acronis monitor external drives too? I've never had an internal drive failure, but I have had two external drives fa...
by cheese_breath
Sun Mar 22, 2015 9:31 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2326

Re: External Hard Drive?

Any recommended external HD's? Would a a solid state drive be an option (sorry, don't know much about them)? Thanks again, Ryan Seagate and Western Digital are good brands if you go the external HD route. Be sure to get enough storage capacity to hold multiple backups. I just ordered another Seagat...
by cheese_breath
Sun Mar 22, 2015 8:40 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2326

Re: External Hard Drive?

I use two external hard drives. The primary drive is always connected to my system. I back up my data files daily and the entire system monthly on it. The secondary drive is portable, and I do another monthly backup on it.
by cheese_breath
Sun Mar 22, 2015 8:32 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2326

Re: Lump sum - how to invest it now and sleep at night?

sawhorse wrote:...
Oh, and don't go around broadcasting your windfall. You will become the target of everything from begging friends and relatives to ambulance chaser attorneys to crooks making big promises.

Not to mention relatives you never knew you had.
by cheese_breath
Sat Mar 21, 2015 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - how to invest it now and sleep at night?
Replies: 27
Views: 3229

Re: Splitting a Food Tab on a Combined Birthday Lunch

The other three guys pay a third each. You pay nothing.
by cheese_breath
Sat Mar 21, 2015 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3754

Re: Hearse as daily driver?

And if you can get a couple flags from a funeral parlor you won't have to stop for red lights.
by cheese_breath
Sat Mar 21, 2015 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3757

Re: Restaurant tipping

Louis Winthorpe III wrote:
lcs wrote:I'm only 24, and I remember when 10% was considered standard.


I'm quite a bit older than you are, and 10% was never standard.

Maybe I'm older that you Louis because I remember when 10% was standard.
by cheese_breath
Sat Mar 21, 2015 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11880

Re: Lump sum - how to invest it now and sleep at night?

My first answer would have been to invest it according to your AA. After all, you'll probably have about 35-40 years to let it run before you withdraw anything. But since you've ruled that out I guess FDIC insured CDs and bank savings accounts might let you sleep at night, even though you will be lo...
by cheese_breath
Sat Mar 21, 2015 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - how to invest it now and sleep at night?
Replies: 27
Views: 3229

Re: Restaurant tipping

... I can't remember anytime I can think of that the service was bad enough to cut the tip. If that were to happen I would send a clear message such as no tip at all... I can. One time. After the waitress left out food the only other time she came near our table was to leave the bill. She spent the...
by cheese_breath
Sat Mar 21, 2015 9:49 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11880

Re: Restaurant tipping

I base my tip on the service.
by cheese_breath
Sat Mar 21, 2015 8:25 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11880

Re: Purchasing mutual funds

jwelton2 wrote:So you never know the actual price/share what you bought until after the close of trading and after the purchase of a mutual fund).

That's true. But over the course of holding the fund 20-30 years how much difference does it make??
by cheese_breath
Fri Mar 20, 2015 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Purchasing mutual funds
Replies: 6
Views: 420

Re: Hearse as daily driver?

Does it have a lifetime guarantee?
by cheese_breath
Fri Mar 20, 2015 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3757
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