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Re: Wife doesn't want to retire - I do

It's fine for us to speculate on what your wife may be thinking and reassure you that you've worked hard and deserve to retire. But I fear unless you can learn now what's behind her body language it may come to bite you someday.
by cheese_breath
Sun Mar 01, 2015 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 45
Views: 3219

Re: Replacing exterior door ease?

...House was built early 80's. But was custom built for prior family/owner and solid/square construction around this particular door and remainder of house... With a custom built 30 or so year old house, if you're installing a pre-hung door make sure you measure the door opening to verify it's a st...
by cheese_breath
Sat Feb 28, 2015 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Replacing exterior door ease?
Replies: 10
Views: 638

Re: Wife doesn't want to retire - I do

Maybe your wife's unspoken concern (since she's not seen other relatives actually retired and not working) is that you truly can't afford to retire.... That was sort of my thought too. You need to have a heart-to-heart talk with her and find out exactly why she's uncomfortable with you not working....
by cheese_breath
Sat Feb 28, 2015 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 45
Views: 3219

Re: IRA balance goes to zero immediately triggers taxes?

My fun in the investment world is watching my net worth continue growing over time and knowing it will be enough to support me through the rest of my retirement. I don't trade on margin. I don't jump off bridges attached to bungee cords either, although that's probably safer than trading on margin....
by cheese_breath
Sat Feb 28, 2015 10:49 am
 
Forum: Investing - Theory, News & General
Topic: IRA balance goes to zero immediately triggers taxes?
Replies: 7
Views: 599

Re: IRA balance goes to zero immediately triggers taxes?

My fun in the investment world is watching my net worth continue growing over time and knowing it will be enough to support me through the rest of my retirement. I don't trade on margin. I don't jump off bridges attached to bungee cords either, although that's probably safer than trading on margin.
by cheese_breath
Sat Feb 28, 2015 9:35 am
 
Forum: Investing - Theory, News & General
Topic: IRA balance goes to zero immediately triggers taxes?
Replies: 7
Views: 599

Re: Roth IRA Basis for early withdrawal

Alan S and cheese_breath, do these rules apply in the case of a person who takes a Roth distribution after the age of 59.5? I ask because my wife made direct Roth contributions before we even knew each other, and she did not keep many records. Her Roth was at Ameriprise for a time, but that was not...
by cheese_breath
Sat Feb 28, 2015 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Basis for early withdrawal
Replies: 12
Views: 522

Re: Roth IRA Basis for early withdrawal

Every so often there's another thread started by someone looking for advice because (s)he didn't retain the necessary records. There's a lesson to be learned here. Keep everything pertaining to your taxes, financial transactions and investments for a long, long time. You never know in advance what y...
by cheese_breath
Sat Feb 28, 2015 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Basis for early withdrawal
Replies: 12
Views: 522

Re: Roth IRA Basis for early withdrawal

If you have kept your tax returns long enough, you can easily determine your conversions from Form 8606 in those returns. For your regular Roth contributions that do not get reported on your return, you will have to check with Vanguard for records they may have if you have not kept the 5498 forms t...
by cheese_breath
Fri Feb 27, 2015 11:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Basis for early withdrawal
Replies: 12
Views: 522

Re: Roth IRA Basis for early withdrawal

If you still have the 5498 forms from the years you did the Roth conversions that will take care of the last two. I've never contributed directly in a Roth, only conversions, so I can't help with the first two.
by cheese_breath
Fri Feb 27, 2015 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Basis for early withdrawal
Replies: 12
Views: 522

Re: Raise was only 2.44%?

MaddMaxx wrote:I work in the oil and gas industry in IT. Got my comp package today. 31% bonus, 6% pay increase, and 14.6% in Restricted Stock that vest annually over 3 years. No promotion... Best comp package I have ever had from a review.

I can see my gas bill going up. :twisted:
by cheese_breath
Fri Feb 27, 2015 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4513

Re: Property assessment increase after purchase

I thought a sale price isn't supposed to directly influence the assessment from the city #it will obviously have some influence#. The assessed value is under 50% of what I bought the home for, but if it was fully 50% the taxes would be ridiculously high for how much home I have purchased. Well, we ...
by cheese_breath
Fri Feb 27, 2015 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1646

Re: IRA investment after retirement?

I think so. If you have so much income that you can't directly contribute to a Roth maybe you could do a back-door Roth instead? In retirement, with very nominal earned income, I am not able to contribute the max to Roth (6500$). I'm confused. Are you asking if because you don't have $6,500 in earn...
by cheese_breath
Thu Feb 26, 2015 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA investment after retirement?
Replies: 9
Views: 599

Re: Property assessment increase after purchase

... Those with assessed values far above their taxable values find that their taxes increase even though their houses decline in value, at least until the taxable value equals the assessed value. And what a squack that caused in my city during the housing bubble burst. People's taxes were rising ev...
by cheese_breath
Thu Feb 26, 2015 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1646

Re: Is a generator worth it?

That's up to you. Everyone's different. We just go to a motel when we lose power, but that's not for everyone. How expensive of a generator are you looking at?
by cheese_breath
Thu Feb 26, 2015 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 88
Views: 4202

Re: "The world's largest non-commercial financial forum".

walletless wrote:
Taylor Larimore wrote:"Bogleheads.org –- The world's largest non-commercial financial forum.
Investing advice inspired by Jack Bogle."

I like that! May be a disclaimer along the lines of "Active Traders & Market Timers may stay away". LOL

Active Traders & Market Timers come and learn.
by cheese_breath
Thu Feb 26, 2015 2:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 29
Views: 2141

Re: Raise was only 2.44%?

Talk to your manager.
by cheese_breath
Thu Feb 26, 2015 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4513

Re: Anyone still owns RadioShack?

If TSM survived Exxon, WorldCom, GM, etc. I guess it can survive Radio Shack.
by cheese_breath
Thu Feb 26, 2015 9:28 am
 
Forum: Investing - Theory, News & General
Topic: Anyone still owns RadioShack?
Replies: 5
Views: 951

Re: Need outside advice on new truck

A "good deal" isn't a good deal if you don't need what they're selling. I still have my 2000 Silverado and plan to keep it until it turns to dust even though the body style is 'dated'.
by cheese_breath
Thu Feb 26, 2015 9:21 am
 
Forum: Personal Consumer Issues
Topic: Need outside advice on new truck
Replies: 23
Views: 1106

Re: Need advice on where best to invest

… which I receive a monthly tax free stipend from the state. Since this money is tax free, I assume that it is not considered earned so that I cannot invest in an IRA, correct?? That would be my assumption as well. Here is a link to IRS Publication 590 which explains what is allowed compensation: h...
by cheese_breath
Wed Feb 25, 2015 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on where best to invest
Replies: 2
Views: 274

Re: Lower ER or better performance

The reason I ask is, when you have a lot of funds to choose from, which should be considered. Most people suggest to find the funds with lowest ERs. Almost no one suggest to look at the returns (sure, return only means past performance). fund performance is really hard to predict. Can you share how...
by cheese_breath
Wed Feb 25, 2015 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Lower ER or better performance
Replies: 16
Views: 893

Re: Lower ER or better performance

Fund picking is like stock picking at a higher level. Sometimes you get lucky, sometimes you don't. But just because you're lucky one year doesn't mean you will be the next. I see. The only one we can control is to reduce cost by choosing a lower ER fund, so this is why people recommend looking for...
by cheese_breath
Wed Feb 25, 2015 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Lower ER or better performance
Replies: 16
Views: 893

Re: Lower ER or better performance

Fund picking is like stock picking at a higher level. Sometimes you get lucky, sometimes you don't. But just because you're lucky one year doesn't mean you will be the next.
by cheese_breath
Wed Feb 25, 2015 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Lower ER or better performance
Replies: 16
Views: 893

Re: Guns for hunting/defense

Wham-O sling shot.
by cheese_breath
Wed Feb 25, 2015 12:12 am
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 121
Views: 6058

Re: [Is it worth getting an] AARP [membership]?

It seems to me that every few months a thread presumably starts with "questions" about AARP but it quickly evolves into AARP bashing. The same complaints get rehashed again and again. What gives? I guess when someone starts a new thread that most likely means he hasn't seen the previous o...
by cheese_breath
Tue Feb 24, 2015 8:42 am
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3974

Re: Property assessment increase after purchase

livesoft wrote:Look on the bright side: You can now run for political office in your new location and get the tax rules changed. :)

In MI it's in the constitution to protect it from the politicians. :wink:
by cheese_breath
Mon Feb 23, 2015 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1646

Re: Property assessment increase after purchase

Well, I was under the assumption the reset was only bumping the taxable up to the assessed/sev value, not bumping up the assessed value up 15% which will now increase my tax base going forward next year. I think my main issue is just the idea that now I will be paying 15% more (at least) than my ne...
by cheese_breath
Mon Feb 23, 2015 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1646

Re: Property assessment increase after purchase

Yeah, I think I will at least try to appeal, but as livesoft said I probably won't have a leg to stand on. The only angle I would have is if my neighbor's house stayed at the lower assessment as well, as his home is almost identical. Appreciate the feedback, and yeah if it's an over all increase I ...
by cheese_breath
Mon Feb 23, 2015 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1646

Re: Property assessment increase after purchase

I get it, taxes and operating costs for a city will increase over time due to inflation. It's just hard to believe that in one year the city now deserves to get paid 15% more because the real estate market is rebounding, really? Where is my 15% increase in services, last time I checked that is a bi...
by cheese_breath
Mon Feb 23, 2015 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1646

Re: Property assessment increase after purchase

Yeah, ideally I would be able to see the 2015 assessment data on the website, but it appears only the 2014 is available thus far. If the increase is part of a broader overall increase then it makes more sense. It just appeared the city is taking the opportunity to jack up the assessed value because...
by cheese_breath
Mon Feb 23, 2015 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1646

Re: Property assessment increase after purchase

You really have two questions here, assessment and taxes. Michigan reassesses every year, plus whenever the property changes ownership. If you just bought your home you did it just about the time the reassessment was in process anyway. I just received my new assessment last week and mine went up 11%...
by cheese_breath
Mon Feb 23, 2015 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1646

Re: Aprilaire Humidifer - won't get above 22%

I have a Carrier humidifier on my furnace, but it looks just like pictures of the Aprilaire so I'm guessing it's the same thing. As of right now it's 6 degrees outside here, and my indoor humidity is 23%. I know mine is working because every time I go near the furnace I hear the water running down t...
by cheese_breath
Mon Feb 23, 2015 10:44 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 810

Re: Glasses turn around time and cost

People who are older and have cataracts should consider that cataract eye surgery. After that you no longer need glasses, including backup, except for the $1.50 (50% sale) reading glasses at your favorite Dollar store. I did that! I have 5 pairs of those reading glasses around the house and the car...
by cheese_breath
Mon Feb 23, 2015 10:25 am
 
Forum: Personal Consumer Issues
Topic: Glasses turn around time and cost
Replies: 19
Views: 1493

Re: buying a stock and hold, as an option of Roth IRA invest

If you have a Roth brokerage account you can buy as many individual stocks as you like and hold them as long as you like or until they go belly-up.
by cheese_breath
Mon Feb 23, 2015 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: buying a stock and hold, as an option of Roth IRA investment
Replies: 3
Views: 254

Re: Air Quality Testing for home inspection?

The air quality may be fine, maybe not. Allergens may not bother anyone now, but sometimes people without allergies develop them later in life. My DW is a prime example of that. As far as mold, not all are dangerous. But I've seen and/or heard too many accounts of black mold making people so ill the...
by cheese_breath
Mon Feb 23, 2015 9:16 am
 
Forum: Personal Consumer Issues
Topic: Air Quality Testing for home inspection?
Replies: 21
Views: 1042

Re: Contributing to Vanguard Roth IRA from Australia?

Here's a similar thread from 2 years ago...

viewtopic.php?f=10&t=110773

Just remember your AU dollars need to be converted to US dollars.
by cheese_breath
Sun Feb 22, 2015 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contributing to Vanguard Roth IRA from Australia?
Replies: 4
Views: 269

Re: external hard drive - Windows 8 - need assitance

Maybe it's a defective drive? Do you have access to another computer you could try attaching it to?
by cheese_breath
Sun Feb 22, 2015 6:45 pm
 
Forum: Personal Consumer Issues
Topic: external hard drive - Windows 8 - need assitance
Replies: 20
Views: 1317

Re: external hard drive - Windows 8 - need assitance

Try rebooting the system with the drive turned on. You shouldn't have to do this, but what can it hurt to try.
by cheese_breath
Sun Feb 22, 2015 6:10 pm
 
Forum: Personal Consumer Issues
Topic: external hard drive - Windows 8 - need assitance
Replies: 20
Views: 1317

Re: What age do you guys plan to retire?

I was planning on somewhere between 60-65, but an ERO came up and I was able to throw it in at 56.
by cheese_breath
Sun Feb 22, 2015 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8537

Re: Whats the best Bank to have on the west coast?

I guess it would depend where on the west coast you go, but there are a lot of Chase branches out there. Have you checked their locations?
by cheese_breath
Sun Feb 22, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whats the best Bank to have on the west coast?
Replies: 21
Views: 1259

Re: Car Accident Question

SteadyWins wrote:I don't think there was a police report. Is there a way to check?

Just ask the police department in the local where the accident happened.
by cheese_breath
Sun Feb 22, 2015 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Question
Replies: 27
Views: 1445

Re: How to get more done

I saved a few seconds just by not reading the number. Unfortunately I used them all up, plus a few more, doing this post.
by cheese_breath
Sun Feb 22, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: How to get more done
Replies: 3
Views: 465

Re: Car Accident Question

Kind of up to you if you want to pursue it or let it go. I am leaning towards letting it go since I do have full coverage for uninsured motorists and a small deductible. The concern then becomes, should I worry about rate increases? My driving record is squeaky clean so I'd hate for something I did...
by cheese_breath
Sun Feb 22, 2015 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Question
Replies: 27
Views: 1445

Re: What to Include in Total Assets

Personally I wouldn't include any of the parent's assets until I actually receive them. All kinds of things might happen that could interfere with this assumption. Also, I would feel more or less comfortable about the real estate if I knew which country it was in.
by cheese_breath
Sun Feb 22, 2015 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: What to Include in Total Assets
Replies: 5
Views: 441

Re: how best to supplement heat with heat pump

Loon11 wrote:... For now, small space heaters are what we tell them to use...

I'm not a lawyer, but I wonder if this advice might be opening yourself up to potential liability that might not be covered by your insurance. Every winter several space heater related fires are reported on my local news stations.
by cheese_breath
Sun Feb 22, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 2383

Re: Car Accident Question

My personal opinion... Yes, I would be concerned about pursuing a character like that to court. But do you have to pursue him to court? Won't your insurance company handle your damages and take any court action they deem necessary to recover their costs from him? (If you have a deductible, maybe the...
by cheese_breath
Sun Feb 22, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Question
Replies: 27
Views: 1445

Re: Returning a taxable gift.

I am not encouraging or suggesting anyone violate the tax code but why can't you just forget about it once you redeposit the money in your mother's account? That's his first question. I believe it's illegal to access anyone else's financial accounts without their permission. What's the big deal? If...
by cheese_breath
Sat Feb 21, 2015 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Returning a taxable gift.
Replies: 16
Views: 1128

Re: Unknown Roth IRA Basis

You've already satisfied the 5 year rule, so if you don't make any withdraws before 59 1/2 it won't matter.

How did you make these contributions? If they were through payroll deduction they should be recorded on your pay stubs. Do you still have them?
by cheese_breath
Sat Feb 21, 2015 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unknown Roth IRA Basis
Replies: 6
Views: 518

Re: Car Battery in Unusual Cold

jebmke wrote:Where is Nisi with his 5,000 Duracells?

Or 5000 Eveready bunnies. You can make a fur coat if the car doesn't start. :P
by cheese_breath
Sat Feb 21, 2015 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3694

Re: Creating Net Worth Line Graph

Excel can do this. It used to be easy in the earlier versions, but I haven't tried figuring it out in 2010.
by cheese_breath
Sat Feb 21, 2015 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating Net Worth Line Graph
Replies: 21
Views: 2250
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