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Re: Just wondering how you personally calculate net worth

I don't calculate net worth. I'm concerned about whether my investments and savings plus growth will cover my expenses plus inflation for the rest of my life. But if I was going to calculate net worth I'd include the value of everything I own ... house, cars, personal property, saving and investmen...
by cheese_breath
Wed Oct 22, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 33
Views: 1728

Re: Just wondering how you personally calculate net worth

I don't calculate net worth. I'm concerned about whether my investments and savings plus growth will cover my expenses plus inflation for the rest of my life. But if I was going to calculate net worth I'd include the value of everything I own ... house, cars, personal property, saving and investment...
by cheese_breath
Wed Oct 22, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 33
Views: 1728

Re: 2015 Medigap plan changes

When did the politicians pay any attention to CBO estimates and recommendations anyway?
by cheese_breath
Wed Oct 22, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 561

Re: 2015 Medigap plan changes

kaneohe wrote:
caroljm36 wrote:I don't but expected to get the big Medicare book this year and didn't. is it related I wonder?


I got the big book about 2 wks ago.

I got mine a few weeks ago too. You didn't accidentally opt out of the printed version did you?
by cheese_breath
Wed Oct 22, 2014 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 561

Re: 2015 Medigap plan changes

Thank you for the link. This link: http://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html also shows the deductible changes for 2015. I was just wondering about the changes in the individual medigap plans in case plan F changed. Not sure what kind of changes you are thin...
by cheese_breath
Wed Oct 22, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 561

Re: Estimated SS COLA for 2015

CNBC just said it's 1.7%

http://www.cnbc.com/id/102098379
by cheese_breath
Wed Oct 22, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Estimated SS COLA for 2015
Replies: 17
Views: 1755

Re: 2015 Medigap plan changes

Have you seen this? It says the plan F high deductible increases from $2,140 in 2014 to $2,180 in 2015.

http://www.medicare.gov/supplement-othe ... digap.html
by cheese_breath
Wed Oct 22, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 561

Re: Meaning of Important note included in Medicare part D pl

I called back United American Insurance and was told this time that Walmart was a Preferred Pharmacy and pricing was the same as CVS. Guess it depends on who you talk too. I agree there Web Site is not much good. So I am looking elsewhere. Apparently it also depends on which plan you choose. Accord...
by cheese_breath
Tue Oct 21, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1830

Re: Meaning of Important note included in Medicare part D pl

I just learned yesterday on a call to United American that Medicare.gov lists Walmart as a preferred pharmacy when it is not. CVS is the preferred pharmacy and has the lowest prices. In my case CVS is 25 miles away where as Walmart is 2.5 miles. They said Medicare is to correct this error but did n...
by cheese_breath
Tue Oct 21, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1830

Re: You may be getting charged rent for a router/modem you o

Reminds me of the film serials I used to see at the movies every Saturday when I was a kid in the '50s. Anxiously awaiting the next chapter. :twisted:
by cheese_breath
Mon Oct 20, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 30
Views: 2940

Re: Best place (with warm weather) to raise children

Claremont, CA is surrounded by Oakland, CA. Claremont is nowhere near Oakland. It's east of LA. Pretty sure this person is referring to a neighborhood in Oakland. It is nice and borders Berkeley (and has a nice resort). They pretend they are separate from Oakland, hence the confusion. He doesn't kn...
by cheese_breath
Sun Oct 19, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 68
Views: 4290

Re: Best place (with warm weather) to raise children

caroljm36 wrote:
cheese_breath wrote:
cannondale wrote:Claremont, CA is surrounded by Oakland, CA.

Claremont is nowhere near Oakland. It's east of LA.


Lots of gangs out that way now too.

Claremont's fine. Just stay out of Pomona.
by cheese_breath
Sun Oct 19, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 68
Views: 4290

Re: POLL: How fulfilling is your retirement?

DW was suddenly disabled. I retired to be her full time caretaker . Is it fulfilling YES. Do I struggle YES. The poll seem slanted in favor of the able bodied/non disabled who have free choices. My position is similar. I retired early because of an ill spouse. (Actually, this gave me an unfortunate...
by cheese_breath
Sun Oct 19, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2979

Re: POLL: How fulfilling is your retirement?

I think when some talk about fulfilling retirements they're thinking of doing new things in retirement they weren't able to do before. I think there's another view too, not having to do things you had to do before. I tend to take the latter. I had no grand visions of new adventures in retirement, bu...
by cheese_breath
Sun Oct 19, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2979

Re: Health care tilt

I'm not a physician, and I don't play one on TV. But there have been many times since the '90s when I've heard 'experts' recommending health care as the place to invest, but it didn't pan out. Maybe you're right this time, but I'll stick with my TSM index fund.
by cheese_breath
Sat Oct 18, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 3643

Re: What tax software do you use and why

I use TT. I used Tax Cut for a couple years, but it didn't handle my property tax refund correctly and I had to manually override it every year. So I switched. Each program has it's own learning curve, and I'm just too lazy to learn another one when TT does the job. Admittedly that's a pretty lame r...
by cheese_breath
Sat Oct 18, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2517

Re: problem when sign up Vanguard roth IRA for my sister

I would change the settings on my laptop so it doesn't update automatically in the future. You can set it so it informs you when updates are available, and then you can choose when to process them later.
by cheese_breath
Fri Oct 17, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: problem when sign up Vanguard roth IRA for my sister
Replies: 6
Views: 572

Re: Market Slide Percentages?

I don't know about the last six days, but at the start of the month I was... 32.10% equities 67.90% fixed income As of this posting I am... 30.93% equities 69.07% fixed income Overall down 1.58% since Oct. 1 I'm really tempted to throw some more into equities in the hope the market will recover (mar...
by cheese_breath
Fri Oct 17, 2014 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1859

Re: Best place (with warm weather) to raise children

cannondale wrote:Claremont, CA is surrounded by Oakland, CA.

Claremont is nowhere near Oakland. It's east of LA.
by cheese_breath
Thu Oct 16, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 68
Views: 4290

Re: Meaning of Important note included in Medicare part D pl

Or the doctor's staff screws up. The script never gets sent in or sent to the wrong place, you're waiting for your refill, and you have to scramble to get another script to take to the drug store.

Don't say get another doctor, 'cause my wife has made It clear she's not switching
by cheese_breath
Thu Oct 16, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1830

Re: Filing complaint against a mortgage lender

Send letters to your state's regulatory board and attorney general.
by cheese_breath
Wed Oct 15, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Filing complaint against a mortgage lender
Replies: 12
Views: 1155

Re: Most "efficient" order to see multiple physicians?

With Medicare and a medigap plan that covers part B coinsurance and deductible it makes no difference from a financial standpoint because I don't pay anything.
by cheese_breath
Wed Oct 15, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Most "efficient" order to see multiple physicians?
Replies: 4
Views: 817

Re: Your personal risk level: Got your flu shot yet?

Got mine last week when I was in for my cholesterol test. They don't always help, but they've never hurt me.
by cheese_breath
Wed Oct 15, 2014 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2957

Re: Index usage error in Mortgage Document.

LongerPrimer wrote:This carp needs to end.

Yes. There's definitely something fishy going on here.
by cheese_breath
Wed Oct 15, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Index usage error in Mortgage Document.
Replies: 13
Views: 731

Re: Owning property jointly with family member

Is he in agreement with this? The first base to cover is to reach an agreement you both can live with. If you can't do this all the standard language in the world is useless unless you want to fight it out in court.
by cheese_breath
Wed Oct 15, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Owning property jointly with family member
Replies: 15
Views: 1229

Re: Meaning of Important note included in Medicare part D pl

I just learned yesterday on a call to United American that Medicare.gov lists Walmart as a preferred pharmacy when it is not. CVS is the preferred pharmacy and has the lowest prices. In my case CVS is 25 miles away where as Walmart is 2.5 miles. They said Medicare is to correct this error but did n...
by cheese_breath
Wed Oct 15, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1830

Re: Clothes Dryer drying very slowly

I used to have a plastic dryer vent hose that was about 10 feet long.I would take a leaf blower every six months a clean it out.That solved the slow drying issue for us. :happy Glad you said "used to have" because plastic hoses can catch fire. Dryer vent pipes should always be metal. disc...
by cheese_breath
Wed Oct 15, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 1933

Re: Meaning of Important note included in Medicare part D pl

In my zip there are 26 diff. Part D plans offered. I don't recall seeing anything called United American Essential but could be mistaken. I am in a very rural area so we don't even get the luxury of getting any good MA plans, either. No Kaiser, no Humana, just a Brand X that I understand ( when I l...
by cheese_breath
Wed Oct 15, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1830

Re: Meaning of Important note included in Medicare part D pl

Thanks. That's what I kinda figured on. Easiest thing for me to do is just stroll up to my local Walgreen's and verify they are on board for Humana Walmart Rx. Then call Humana and just ask if they can give me an idea of how much more I would pay. Percentage-wise. Since I have no long list of maint...
by cheese_breath
Wed Oct 15, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1830

Re: Meaning of Important note included in Medicare part D pl

Where I live, and probably where you live too, it seems all the drugstore chains, supermarkets, and various others such as Target and K-Mart are in their network. In addition to mail order there are two cost sharing models... preferred retail cost sharing and standard retail cost sharing. At a prefe...
by cheese_breath
Tue Oct 14, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1830

Re: Meaning of Important note included in Medicare part D pl

It means for those drugs (normally generics) you only pay a copay rather than full price even though the deductible hasn't yet been met. So if you only take those drugs you don't have to worry about the deductible.
by cheese_breath
Tue Oct 14, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1830

Re: Ebola preparation

I this a financial or medical question?
by cheese_breath
Tue Oct 14, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2224

Re: Does your ROTH hold risky or stable items?

asset_chaos wrote:Por que no los dos?

Si. My Vanguard ROTH is all TSM index. MY TIAA-CREF Roth is all TIAA Traditional.
by cheese_breath
Tue Oct 14, 2014 12:01 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3337

Re: You may be getting charged rent for a router/modem you o

I was rightfully being charged for renting a modem way back in the day. Imagine my surprise when I found out you could buy one and it costs less than about six months worth the fee. I have been using the same one since, over 6 years now. If only I had bought my own sooner... You don't still rent yo...
by cheese_breath
Mon Oct 13, 2014 11:43 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 30
Views: 2940

Re: When people put all their eggs in the wrong basket

VictoriaF wrote:
cheese_breath wrote:
VictoriaF wrote:When people put all their eggs in the wrong basket, the eggs turn into goose eggs.

Victoria

My experience is eggs turn rotten if you hold onto them too long.


The case of rotten eggs is a basket case.

Victoria

I guess that's what I get for egging you on.
by cheese_breath
Mon Oct 13, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 216
Views: 20713

Re: When people put all their eggs in the wrong basket

VictoriaF wrote:When people put all their eggs in the wrong basket, the eggs turn into goose eggs.

Victoria

My experience is eggs turn rotten if you hold onto them too long.
by cheese_breath
Mon Oct 13, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 216
Views: 20713

Re: How would one negotiate with daycare?

Do you have a written contract with them specifying a starting date for your child? No? Is there a shortage of daycare providers in your area? Yes? Then what is their incentive for giving you a discount unless you can play the sympathy card? Who are you currently using for daycare? What hardships ha...
by cheese_breath
Mon Oct 13, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 33
Views: 2891

Re: Securities lending

Fidelity is paying you 0.75% so they can loan your investment out for 1.5%, and they have no risk? Sounds like a good deal for Fidelity. Doesn't every bank pay you interest and then loan out your money to someone else at a higher interest? It is a good deal for the bank but it doesn't mean you shou...
by cheese_breath
Sun Oct 12, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Securities lending
Replies: 16
Views: 823

Re: Need Help Responding to Debt Collector (for invalid requ

Right now you're speculating the client is Windham. I would send them a letter asking them to identify their client because according to your records you have no overdue obligations to anyone. Also Google "Pinnacle Recovery". SInce you think your issue may be connected with a timeshare, he...
by cheese_breath
Sun Oct 12, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Need Help Responding to Debt Collector (for invalid request)
Replies: 11
Views: 965

Re: You may be getting charged rent for a router/modem you o

When I signed up with Comcast a few years ago my first bill included a cable modem rental charge even though I had my own. I immediately called them and gave them all my modem information and after two more months of invalid rental charges and a few more phone calls they eventually got it straighten...
by cheese_breath
Sun Oct 12, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 30
Views: 2940

Re: Clothes Dryer drying very slowly

dpc wrote:As mentioned, check the outside vent opening to make sure it is clear.

Also check the vent cover isn't bent. My SIL had the same problem in his new house, and it turned out a workman had put his ladder against the vent cover and bent it partially shut so the flap couldn't open all the way.
by cheese_breath
Sun Oct 12, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 1933

Re: Securities lending

Fidelity is paying you 0.75% so they can loan your investment out for 1.5%, and they have no risk? Sounds like a good deal for Fidelity.
by cheese_breath
Sun Oct 12, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Securities lending
Replies: 16
Views: 823

Re: When people put all their eggs in the wrong basket

I receive a couple solicitations a year to participate in investment related class action suits. I filled out the first few, and then realized I would get $100 and the lawyers would get millions...so I just throw them away now. I am not going to be a party to such nonsense. I still fill them out. $...
by cheese_breath
Sun Oct 12, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 216
Views: 20713

Re: Retired and end of month checking account balance?

I don't have a specific number, but it's usually somewhere around $800 - $1,000 'just in case'.
by cheese_breath
Sun Oct 12, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 1861

Re: Roth and IRA

3) You want to use a conversion strategy for which the conversions should be made to separate accounts for recharacterization purposes. As example I once had three ROTHs open with Vanguard at the same time, my primary Roth and two more from conversions I did different times of the year. There turne...
by cheese_breath
Sun Oct 12, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth and IRA
Replies: 6
Views: 507

Re: Problem with 401K rollover

Michael_Fisher1 wrote:RE: Cheese_breath - looks like they deducted the gains as well

Right. They make it look as though they never gave you the match. Hence you can't keep gains on a match they 'never' gave you.
by cheese_breath
Sun Oct 12, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Problem with 401K rollover
Replies: 20
Views: 919

Re: Roth and IRA

Yes. In fact you can have several Roths and several tIRAs. Next question?
by cheese_breath
Sun Oct 12, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth and IRA
Replies: 6
Views: 507

Re: Calculating RMDs

Christine_NM wrote:
chaz wrote:Vanguard computes the RMD for me.


+1

Any other IRA custodian should provide the same service. This is not supposed to be a DIY calculation.

But if you do want to DIY just Google "Calculate RMD" and it will give you links to lots of sites that can calculate it for you.
by cheese_breath
Sun Oct 12, 2014 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Calculating RMDs
Replies: 14
Views: 1453
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