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Re: Note from Experian: Change of name, address, or SS#

I think my name is spelled three different ways on one of my reports. The important thing though is all my account's information is correct, and there are no accounts or loans that weren't opened by me.
by cheese_breath
Mon Sep 29, 2014 11:50 pm
 
Forum: Personal Consumer Issues
Topic: Note from Experian: Change of name, address, or SS#
Replies: 1
Views: 256

Re: How to pay for Home Addition

Also consider the exterior appearance. I'm guessing a 1,000 sq. ft. addition on top would give OP's home the appearance of a normal colonial. Whereas a smaller addition (say 200 sq. ft. maybe?) might look out of place. The OP has a bungalow, not a colonial. Bungalows often have small top additions ...
by cheese_breath
Mon Sep 29, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 18
Views: 1395

Re: Emergency room consent

...In our area, there seems to be a lot of competition heating up for "urgent care" facilities, and a new one that opened up brags/claims that "Every patient will be seen by a board-certified emergency medicine physician..." No idea what this means but it does sound like "a...
by cheese_breath
Mon Sep 29, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 2942

Re: Emergency room consent

Now that I'm retired and on Medicare with Medigap I haven't thought about this for a long time. Back when I was still working and on HMO and PPO plans every one had in network and out of network copay rates. The out of network copay has higher, but none of them excluded out of network providers enti...
by cheese_breath
Mon Sep 29, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 2942

Re: POLL: When I gift/will shares to my relatives, I expect

I have no expectations at all. They can do what they want with it. However I could envision cases where someone might want to attach some strings to a 'gift'. For example if someone's child was addicted to drugs, (s)he might want to make the gift contingent on it being spent on treatment for the add...
by cheese_breath
Mon Sep 29, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 13
Views: 933

Re: favorite brand name products

Nabisco Pinwheel cookies. I've tried all the other marshmallow cookies, but none come close to the original.
by cheese_breath
Sun Sep 28, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2616

Re: Why do people buy annuities?

Do a post some time asking if getting a financial advisor at 1% is a good deal because it makes you happy not to have to worry about your portfolio, and you will not get very many supportive posts:) Paying an advisor doesn't keep you from worrying about your money. I'd probably worry more if I had ...
by cheese_breath
Sat Sep 27, 2014 3:54 am
 
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 50
Views: 3779

Re: Which company would you go with? (HVAC contractor)

Get a quote from company C and compare it to A and B.
by cheese_breath
Fri Sep 26, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Which company would you go with? (HVAC contractor)
Replies: 11
Views: 675

Re: Lump Sum Offer

Emphasize the "if appropriate". It could detract from the value if it puts you in a higher tax bracket than you would be when you withdraw from it. I expect to be in a lower tax bracket when I retire, which would be the withdrawl period. BFG Then in your case converting it to a Roth would...
by cheese_breath
Fri Sep 26, 2014 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 2811

Re: Lump Sum Offer

...I was thinking the only tax advantage for the lump sum would be to roll it over. The Roth conversion, if appropriate, can add substantial value. Emphasize the "if appropriate". It could detract from the value if it puts you in a higher tax bracket than you would be when you withdraw fr...
by cheese_breath
Fri Sep 26, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 2811

Re: Would you pay for these upgrades in a new construction h

Moen bath fixtures Kichler light fixtures I'm not familiar with Kichler, but Moen produces anywhere from basic low end to classy high end fixtures. I guess if you prefer another color to chrome now is the time to get it. I'm not sure the upgrade later would cost you about the same when you consider...
by cheese_breath
Fri Sep 26, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for these upgrades in a new construction house
Replies: 17
Views: 1280

Re: Why do people buy annuities?

With life annuities, the answer is "Making sure you don't run out of money before you die". Except in OP's case he was only talking about a 25 year guarantee rather than a lifetime guarantee. As long as he is certain to die in 25 years, I see no problem. :confused There are ways he can gu...
by cheese_breath
Fri Sep 26, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 50
Views: 3779

Re: Why do people buy annuities?

technovelist wrote:With life annuities, the answer is "Making sure you don't run out of money before you die".

Except in OP's case he was only talking about a 25 year guarantee rather than a lifetime guarantee.
by cheese_breath
Fri Sep 26, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 50
Views: 3779

Re: Would you pay for these upgrades in a new construction h

Excluding color considerations are the fixtures considered high end or low end? Some chrome fixtures look really nice, but others look really cheap.
by cheese_breath
Fri Sep 26, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for these upgrades in a new construction house
Replies: 17
Views: 1280

Re: Any disadvantages of filing for unemployment?

More from a Tax liability perspective, are there any major disadvantages filing for unemployment? We live in Texas. You pay federal income tax on unemployment just like you would on regular wages. No more, no less. I don't live in TX, but I would guess since TX doesn't have an income tax there woul...
by cheese_breath
Fri Sep 26, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2136

Re: Indoor rowing machine - worth it?

Anyway, my own feeling is, don't depend on a machine; depend on yourself. +1 I think we can all agree on that one. Establish a schedule for your exercise and stick to it. When I was working I scheduled my time for an hour after dinner. After I retired I moved to a morning schedule, after I had fini...
by cheese_breath
Thu Sep 25, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 48
Views: 1904

Re: Indoor rowing machine - worth it?

Great exercise for the upper body and cardio system. I'm on my 3rd one although I don't use it as often as when I was younger. But you should also consider a treadmill or stepper to give the legs a better workout. Although you do a lot of pushing with them on the rowing machine there isn't a lot of...
by cheese_breath
Thu Sep 25, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 48
Views: 1904

Re: What did you always wish for but never got?

When I was little in the 1940s I wanted a pony. Never got it.

When I got older I wanted a supermodel wife. Came close. My wife was pretty hot when she was younger, certainly more than I deserved.
by cheese_breath
Wed Sep 24, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5052

Re: Indoor rowing machine - worth it?

Great exercise for the upper body and cardio system. I'm on my 3rd one although I don't use it as often as when I was younger. But you should also consider a treadmill or stepper to give the legs a better workout. Although you do a lot of pushing with them on the rowing machine there isn't a lot of ...
by cheese_breath
Wed Sep 24, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 48
Views: 1904

Re: Is tax loss harvesting ever a bad idea?

If you're always in the 15% bracket or lower you can harvest losses and get your tax reduction one year and then tax gain harvest to raise your basis back up in succeeding years, possibly with no additional federal tax liability so long as you don't go above the 15% bracket. But if you're collecting...
by cheese_breath
Wed Sep 24, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 17
Views: 939

Re: Sale of a home between boyfriend and girlfriend.

Just a quick update. First off thank you for all the responses, it has really helped her decide what to do. She listed the house today with a realtor for $360,000.00 and they paid $240,000.00 two years ago. I told her to make sure this listing price is in line with comp's in the area, so that he do...
by cheese_breath
Tue Sep 23, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5515

Re: Is tax loss harvesting ever a bad idea?

Yes, if you are in a very low tax bracket, it probably doesn't pay to tax loss harvest, especially if you have gains the same year that would go in the 0% LTCG bracket. Agree with the second half, but I wonder about the first half. I wonder if you're basing this on the idea that a loss in a low bra...
by cheese_breath
Tue Sep 23, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 17
Views: 939

Re: Why don't you do Financial Planning?

I think the problem is that it would be hard to charge much for telling people to save as much as possible and use index funds. :greedy And they wouldn't believe it because it's too simple. People want something really complicated so they will think they're getting their money's worth from the advi...
by cheese_breath
Tue Sep 23, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3197

Re: Blocking Your Own Name & Home Phone Number?

dbr wrote:It is not possible to place a call from a number to the same number, as far as I know, and who would it be anyway if I know I am not calling anyone?

"If the phone doesn't ring it's me"
by cheese_breath
Mon Sep 22, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: Blocking Your Own Name & Home Phone Number?
Replies: 16
Views: 1296

Re: How to pay for Home Addition

Do you really need 1000 sq feet extra? I am thinking one bedroom and a bathroom. 1000 sq feet is a lot of room for that. Bigger extensions tend to cost less per square foot. Say roughly 1/3rd of the cost is materials and 2/3rds manpower, then on a bigger project the fixed costs for the contractor g...
by cheese_breath
Mon Sep 22, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 18
Views: 1395

Re: How to clean an acrylic tub?

Is there a Re Bath franchise near you. They sell a special cleaner for Re Bath tubs and showers. It might be worth trying on your acrylic.
by cheese_breath
Sun Sep 21, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 1148

Re: Detroit Area Bogleheads - Master Thread

Enjoyed my first meeting of the Detroit Bogleheads. I had a question I did not ask to the people that are currently retired. Does anyone use Blue Cross Legacy Plan C for their Medicare gap / supplement insurance? If so, any news on what going to happen to the plan when the price freeze ends on Aug ...
by cheese_breath
Sat Sep 20, 2014 7:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 8
Views: 702

Re: Handling a car crash (non-injury)

I don't understand what you mean by "not accepting the AAA tow". You said she called AAA to tow the car. Regarding where to store it... Your home? What would the neighbors say about a totaled car sitting in your driveway? What would the city say? Body shop? Doesn't that informally imply yo...
by cheese_breath
Sat Sep 20, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Handling a car crash (non-injury)
Replies: 9
Views: 740

Re: Sale of a home between boyfriend and girlfriend.

I don't see why lawyers have to get involved in this matter. People should behave like responsible, ethical adults (and not waste vast sums on legal fees either, which is what will happen as soon as there is anger involved.) I agree with your ideal (people should behave like responsible, ethical ad...
by cheese_breath
Sat Sep 20, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5515

Re: Sale of a home between boyfriend and girlfriend.

VINNY wrote:Her mom lent her money for the roof and she did not have to repay her.

So does she have any intention of repaying it? Is it a loan or a gift?
by cheese_breath
Sat Sep 20, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5515

Re: Preparing for job rejection?

surfstar wrote:I'd rather just retire to a tropical island :D

That was also discussed in another thread. We talked her out of it for valid reasons.
by cheese_breath
Fri Sep 19, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing for job rejection?
Replies: 16
Views: 1347

Re: Medicare Plan D Tail Of Whoa!

Although I do try to get her more expensive meds refilled on the first day the refill is allowed and spread out the cheaper ones in the hope that maybe we will be able to sneak one more expensive on in while she is still one the stage 1 copay. Sometimes it works, sometimes it doesn't I am not sure ...
by cheese_breath
Fri Sep 19, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 1955

Re: Preparing for job rejection?

... You both applied for for a position that pays what you currently make?... No, it pays the same as she made in her old job. She took a 30K pay cut from her old job to get into the government job. OP. Just wait and see. Maybe good words have spread around about the extra things you have done. Eve...
by cheese_breath
Fri Sep 19, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing for job rejection?
Replies: 16
Views: 1347

Re: Medicare Plan D Tail Of Whoa!

My wife also goes into the donut hole about this time every year. Her last two refills were donut hole refills. Basically, we just plan for it and tough it out. Although I do try to get her more expensive meds refilled on the first day the refill is allowed and spread out the cheaper ones in the hop...
by cheese_breath
Fri Sep 19, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 1955

Re: Part D Sticker Shock

Do you have the Humana Walmart RX Plan available? At medicare.com it shows it's $12.60 mth but that is for the rest of the year. It isn't clear to me what it will be in 2015. That plan is available to me, but it has a$310 deductible. To my way of thinking it was better to pay an extra $3.50 monthly...
by cheese_breath
Fri Sep 19, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2208

Re: Part D Sticker Shock

Find an independent Medicare insurance broker and let him research offerings for you. This process is inevitable this time each year. Google MedicareBob as a starting point. Not necessary. I can wait until Medicare updates their website with all the 2015 plans and choose the best plans then I was j...
by cheese_breath
Fri Sep 19, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2208

Re: Part D Sticker Shock

My wife and I both received the 2015 information for our Medicare Part D plans. Wife's Humana Enhanced plan premium increases from $45.60 to $49.30, retaining the zero deductible. Not too bad. OTOH, my WellCare Classic plan premium increases from $16.10 to $29.80, and the deductible increases from ...
by cheese_breath
Fri Sep 19, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2208

[Medicare] Part D Sticker Shock

My wife and I both received the 2015 information for our Medicare Part D plans. Wife's Humana Enhanced plan premium increases from $45.60 to $49.30, retaining the zero deductible. Not too bad. OTOH, my WellCare Classic plan premium increases from $16.10 to $29.80, and the deductible increases from z...
by cheese_breath
Fri Sep 19, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2208

Re: House broken into--please help

Medical insurance cards, especially Medicare card since it may have your SS# on it.
by cheese_breath
Fri Sep 19, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2331

Re: A safe full of cash

Define what you mean by Armageddon. Depression? Government collapse? Nuclear war? Depends on what it is whether your cash would help you any. In Germany in the 1920s your $50MM might have bought you a couple loves of bread.
by cheese_breath
Thu Sep 18, 2014 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 3063

Re: Detroit Area Bogleheads - Master Thread

Hi to all you Detroiters out there. I was born and raised in Detroit; lived near McNichols and Livernois. I've been gone a long time, but Detroit will always be my home and 'where I'm from...' Peace! So you lived near U of D. I grew up one the east side, but my grandfather lived on Santa Rosa a cou...
by cheese_breath
Wed Sep 17, 2014 11:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 8
Views: 702

Re: No taxes when selling stocks in an Inherited IRA?

If I'm understanding this correctly, basically I can use an IRA as the perfect playground to practice buying and selling stocks without tax consequences? Well you can trade stocks without tax consequence in an IRA. However if your trading should result in a gain your gains will be taxed at ordinary...
by cheese_breath
Wed Sep 17, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: No taxes when selling stocks in an Inherited IRA?
Replies: 12
Views: 1048

Re: No taxes when selling stocks in an Inherited IRA?

If I'm understanding this correctly, basically I can use an IRA as the perfect playground to practice buying and selling stocks without tax consequences? Trading stocks as a playground can be expensive fun. Gill But at least there will be less taxes to pay when he does withdraw from the IRA. :oops:
by cheese_breath
Wed Sep 17, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: No taxes when selling stocks in an Inherited IRA?
Replies: 12
Views: 1048

Re: Strange Billing Practice by Medical Provider

Thanks for the replies. To answer questions, we are not Medicare, we pay for blue cross PPO. The request is not a copay. Provider wants us to write a check at time service is rendered for the amount he would get from PPO. Then going back to my earlier comment, the onus is on you to do whatever you ...
by cheese_breath
Tue Sep 16, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2721

Re: Strange Billing Practice by Medical Provider

the provider either does not want to go through the hassle of billing (which is not that big a deal really) or is afraid the patient will not pay the balance or does not want to pay his biller. Collecting up front is fine, but I would still request that the provider submit the claim. That way the p...
by cheese_breath
Tue Sep 16, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2721

Re: Strange Billing Practice by Medical Provider

aude wrote:... The provider is saying that he will take a check for what our PPO would otherwise pay him....

Just noticed this. He want's you to pay what the PPO would normally pay? Why would you want to do this? That's what you have the insurance for.
by cheese_breath
Tue Sep 16, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2721

Re: How often do YOU rebalance and when?

I rebalance when/if I'm outside my allocation bands. 30% stocks plus or minus 5%. That means I don't rebalance much.
by cheese_breath
Tue Sep 16, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1976

Re: Tiny house movement.

Why not just try it out? Empty out all the rooms where you live now except 500 sq ft, block off the space or lock the doors to prevent cheating, and see what happens. Anything you don't want to discard until you commit goes into a locked room and is inaccessible. It might not be totally realistic, ...
by cheese_breath
Tue Sep 16, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4073

Re: Avoiding Credit Collectors

I've never had a doctor say "no charge", but I like your idea of getting a "no charge" receipt. There was probably a communication breakdown between the doctor and his billing staff, and getting a "no charge" receipt should make them aware that they shouldn't charge it....
by cheese_breath
Tue Sep 16, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding Credit Collectors
Replies: 3
Views: 356

Re: Strange Billing Practice by Medical Provider

Maybe it's not as bad as I originally thought. You should get a statement from your PPO plan for every bill the doctor submits. If their statement matches what the doctor charges you then it's probably OK. He's just asking you to pay your deductible at the time of service, like he would ask for your...
by cheese_breath
Tue Sep 16, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2721
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