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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: 13
Views: 441

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: 23
Views: 963

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: 1167

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: 17
Views: 1224

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: 1074

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: 677

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: 716

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: 71
Views: 4408

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: 71
Views: 4408

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: 1330

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: 1900

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: 1330

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: 1900

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: 2157

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: 2157

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: 2157

[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: 2157

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: 2288

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: 3037

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: 677

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: 1044

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: 1044

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: 2698

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: 2698

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: 2698

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: 1967

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: 4057

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: 353

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: 2698

Re: Strange Billing Practice by Medical Provider

I have no idea what's going on, but I would share your concerns about anyone who isn't following the normal PPO billing practices. Maybe everything is above board, but unless he's willing to submit the bills to the PPO first I wouldn't take a chance and would look for another provider.
by cheese_breath
Tue Sep 16, 2014 12:36 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2698

Re: Lump Sum Offer

Nobody can say for sure until you get the details. But when GM terminated my pension they offered the choice between a lump sum or three different annuities. I chose the annuity that exactly matched my existing pension benefit. (The other two would have provided smaller payments to me but more for m...
by cheese_breath
Mon Sep 15, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 20
Views: 1999

Re: Meetings over the lunch hour, taboo?

would you like to keep this client?
by cheese_breath
Mon Sep 15, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 3866

Re: Tiny house movement.

Have you asked your husband about this?
by cheese_breath
Mon Sep 15, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4057

Re: Tiny house movement.

fareastwarriors wrote:... 2 kids and 2 adults might be too tight in a 500sq ft place.

And she's talking 3-4 kids.
by cheese_breath
Mon Sep 15, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4057

Re: Tiny house movement.

more
bungalow10 wrote:... If you, your wife. ...

OP is the wife. Check out her previous threads. She's Asian so she may be more used to smaller accommodations than Americans, but I still think what she's considering is too small for a family of six.
by cheese_breath
Mon Sep 15, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4057

Re: Tiny house movement.

It can be done, but I wouldn't do it. My first wife and I started out in a two bedroom, one bathroom 510 square foot mobile home and had our first child there. The bedrooms were just barely big enough for the three of us, and you're considering six? You and your husband in one and four children in t...
by cheese_breath
Mon Sep 15, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4057

Re: Email security risk from staying logged in?

CountryBoy wrote:This is interesting:

https://www.cable.co.uk/news/staying-si ... 801743095/

Security on mobile devices isn't the same as PCs.
by cheese_breath
Sat Sep 13, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Email security risk from staying logged in?
Replies: 10
Views: 1113

Re: Email security risk from staying logged in?

My Email is logged on from the time I start up my computer in the morning until I shut it down before going to bed. Your biggest threat to Email hacking is if you leave your laptop unattended at Starbucks while you go to the counter to get another latte.
by cheese_breath
Sat Sep 13, 2014 12:43 am
 
Forum: Personal Consumer Issues
Topic: Email security risk from staying logged in?
Replies: 10
Views: 1113

Re: Angry when stock market is down

Maybe a little disappointed, but angry? No.
by cheese_breath
Fri Sep 12, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4026

Re: Neighborhood kid around 13 throwing rocks at my house

Criminal defense lawyer here: Please don't call the police. A charge, even a misdemeanor one like trespassing or criminal mischief, can have lifetime consequences for a kid who is probably just bored. Father whose stepson is a cop here: Calling the police for a first time minor infraction like this...
by cheese_breath
Fri Sep 12, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3109

Re: Suggestions /Advice for a fresh college graduate

- I wish I and specially DW could say to our graduating DS, live on the street for a few years till you could make enough to support yourself. -I myself used to think not so good things(who does?) about the boomerang kids living arrangements with their parents, but when it comes to your own son, em...
by cheese_breath
Fri Sep 12, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 29
Views: 1567

Re: Neighborhood kid around 13 throwing rocks at my house

You could either...

1) Meet the people who live in his house and talk to them about it
2) Call the police
3) Live with it
by cheese_breath
Fri Sep 12, 2014 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3109

Re: Where can I get a [toddler-friendly weekend] job? Update

It's important not to wear yourself out, either. I find that when I overwork/stress I end up getting sick - usually in the form of a cold. Health needs to be your first priority. +1 I noticed in your other threads you mentioned you are a hard worker and plan to work until you die or become too sick...
by cheese_breath
Fri Sep 12, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job? Update
Replies: 33
Views: 3640

Re: Suggestions /Advice for a fresh college graduate

He is the baby of the house and in a way I would want to see him be settled in what ever he wants to do, before I retire. How many years until you retire? Is he going to keep being the baby of the house until then? Maybe it's time for baby to grow up and take responsibility for himself. If he can't...
by cheese_breath
Thu Sep 11, 2014 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 29
Views: 1567

Re: Future direction of U.S. stock market

As far as I can tell the years always go from left to right.
by cheese_breath
Thu Sep 11, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Future direction of U.S. stock market
Replies: 23
Views: 2280

Re: Costco vs Amazon?

I like Costco's return policy. Take just about anything back to them for any reason, and they refund your purchase price. No return mailing involved.
by cheese_breath
Thu Sep 11, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4582

Re: Pension (When should we say to stay committed to plan)

Your wife and you should make this decision together as equal partners considering the needs and desires of both. Is she willing to make the sacrifices to her career in order to further yours? Are you willing to stay where you are if she wants to further her career?
by cheese_breath
Thu Sep 11, 2014 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension (When should we say to stay committed to plan)
Replies: 10
Views: 742

Re: What are the benefits of a good credit score?

.., don't need to rent, and have no need for mortgage/car/student/personal/etc. loans in the foreseeable future, are there other factors to consider? ... Does the credit score impact anything else that we haven't thought of? Emergencies and sudden unforeseen events that can't be paid out of your cu...
by cheese_breath
Wed Sep 10, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: What are the benefits of a good credit score?
Replies: 16
Views: 1235

Re: Medicare Out of Pocket worry (unnecessarily?)

In my experience there is quite typically medical underwriting associated with switching from a medigap to a medicare advantage plan after date of initial enrollment (i.e., age 65). I know it's difficult to switch from medicare advantage to medigap with underwriting , but I was under the impression...
by cheese_breath
Wed Sep 10, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Out of Pocket worry (unnecessarily?)
Replies: 16
Views: 941

Re: Retirement - Income Tax Savings - Calculator

Try TaxCaster https://turbotax.intuit.com/tax-tools/calculators/taxcaster/ using different numbers for your taxable wages. First time enter your wages as if you didn't contribute anything. Second time enter wages reduce by your contribution. The difference in the results is your tax savings. You rea...
by cheese_breath
Tue Sep 09, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement - Income Tax Savings - Calculator
Replies: 2
Views: 437
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