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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: 527

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: 24
Views: 1219

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: 36
Views: 1622

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: 24
Views: 1578

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: 40
Views: 3137

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: 877

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: 971

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: 269

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: 824

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: 824

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: 824

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: 109
Views: 4827

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: 3951

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: 24
Views: 1219

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: 24
Views: 1219

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: 24
Views: 1219

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: 24
Views: 1219

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: 24
Views: 1219

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: 24
Views: 1219

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: 794

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: 1484

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: 249

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: 1034

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: 259

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: 1291

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: 1291

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: 8439

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: 1251

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: 1407

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: 457

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: 1407

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: 437

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: 2322

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: 1407

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: 1118

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: 512

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: 3647

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: 15
Views: 1490

Re: Problems with Internet Explorer

There's always issues with IE. What was the one that pushed you over the edge?

My latest was the menu bar disappearing from the top of the page. Took awhile Googling to find out how to get that back. I have IE, Firefox, and Chrome but can't get DW to leave IE.
by cheese_breath
Sat Feb 21, 2015 10:48 am
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1562

Re: Shouldn't bond fund holders celebrate if rates go up?

Yes, no, and maybe. The immediate effect would be a decrease in the fund's value. But as the lower interest bonds mature and are replaced by those paying higher rates the fund would eventually recover and increase. From a personal investor's viewpoint it may depend on whether (s)he is in the accumu...
by cheese_breath
Fri Feb 20, 2015 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 4930

Re: Excluding oneself from a class action lawsuit?

I don't know why you'd want unless you plan on filing a separate suit yourself. You will probably get a few bucks from the settlement. Maybe even enough for a few Starbucks, but it's better than nothing. Besides how would the lawyers eat if everyone excluded themselves from class action suits?
by cheese_breath
Fri Feb 20, 2015 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excluding oneself from a class action lawsuit?
Replies: 8
Views: 641

Re: self-directed IRA loan for mortgage to a family member

Since he's 63 he won't have to pay any penalty on the withdrawal. But in order to buy a house he will have to withdraw a significant amount. Depending on his current tax bracket there's a good chance it could drive him into a higher bracket, thereby increasing his tax compared to what it would have ...
by cheese_breath
Fri Feb 20, 2015 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: self-directed IRA loan for mortgage to a family member
Replies: 10
Views: 542

Re: What is your favorite consumer product?

Bmac wrote:Soylent Green. Accept no substitute.

Not in production... yet
by cheese_breath
Fri Feb 20, 2015 12:14 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 144
Views: 8116

Re: self-directed IRA loan for mortgage to a family member

So you were carrying two mortgages concurrently; one you’ve had for two years and still have, and the one that was foreclosed one year ago. If you don’t mind me asking, why was the one foreclosed? (a) You got caught in the housing bubble and were underwater with the loan, so you walked away from it?...
by cheese_breath
Fri Feb 20, 2015 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: self-directed IRA loan for mortgage to a family member
Replies: 10
Views: 542

Re: self-directed IRA loan for mortgage to a family member

How long ago was the foreclosure? You won't like this answer, but lenders don't make money by not lending it. There are usually good reasons when they won't, and while a previous foreclosure doesn't help you there may be more behind their reluctance. They need to be satisfied you can keep up the pay...
by cheese_breath
Fri Feb 20, 2015 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: self-directed IRA loan for mortgage to a family member
Replies: 10
Views: 542

Re: Do you invest in Blackstone?

:
reason-logic wrote:Yes, great management.

Then why didn't you vote Yes? :P
by cheese_breath
Fri Feb 20, 2015 1:32 am
 
Forum: Investing - Theory, News & General
Topic: Do you invest in Blackstone?
Replies: 5
Views: 915

Re: A House Deal: To Move Or Not To Move

My gut feel without even looking at the numbers is this is the kind of arrangement that could potentially destroy a friendship. What experience have you had overseeing historical restorations? What if she's not satisfied with your oversight of the restoration after she sees the finished product? Or ...
by cheese_breath
Fri Feb 20, 2015 1:30 am
 
Forum: Personal Finance (Not Investing)
Topic: A House Deal: To Move Or Not To Move
Replies: 14
Views: 1001

Re: Car Battery in Unusual Cold

If you feel you need to go out and run the car when you really want to be warm inside, wouldn't it be worthwhile to just buy a new battery? Yes, I plan to. Problem is - I am not in a big urban area like the others where you can just run down to Sears, Walmart, Pep Boys, whatever and get your new ba...
by cheese_breath
Thu Feb 19, 2015 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3647

Re: Help me find my friend !

Do you know what schools or colleges (s)he attended?

http://www.classmates.com
by cheese_breath
Thu Feb 19, 2015 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3198
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