Search found 4645 matches

by cheese_breath
Fri Jul 03, 2015 11:56 pm
Forum: Forum Issues and Administration
Topic: ? about users online
Replies: 2
Views: 105

Re: ? about users online

Do you also wonder where the others who you don't even know about because they hide their online status might be too? :P
by cheese_breath
Fri Jul 03, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 26
Views: 1597

Re: Buying a new desktop computer

What's the best way to buy a new, basic desktop computer. I don't have exotic needs....web surfing, document prep, paying bills. I've had success in the past of buying a Dell online. Of course, am looking for a good deal. :happy Thanks Are your needs so non-exotic that you could get by with a Chrom...
by cheese_breath
Thu Jul 02, 2015 11:08 pm
Forum: Personal Consumer Issues
Topic: Lake Michigan Credit Union
Replies: 9
Views: 565

Re: Lake Michigan Credit Union

Nope. It's a little community paper put out by the city over on the east side of the state. We now have two offices over here. I suppose the ad is to attract us east siders who haven't dealt with LMCU before. And for 1.55% APY it's attracting me.
by cheese_breath
Thu Jul 02, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 23
Views: 1215

Re: Learning Spanish

You're in Dallas and you don't know where to learn Spanish? Go to any residential construction site and hang around with the workers for awhile.... But maybe some of those words you won't want to learn. :twisted:
by cheese_breath
Thu Jul 02, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: Lake Michigan Credit Union
Replies: 9
Views: 565

Lake Michigan Credit Union

Any LMCU members out there? What has been your experience with them? One of our little community papers has a LCMU ad offering a 12 month 1.55% APY CD. (Not open to everybody. Have to bring the ad to them to qualify.) I tried checking them out through the Internet, but the reviews are about equally ...
by cheese_breath
Thu Jul 02, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 80
Views: 13900

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls help

My question to the OP: why are you first investigating this now, instead of when you were making the decision to cosign? Here's what he said in his opening post... I know cosigning is big no-no for bogleheads but I did this before joining here.. My lack of financial knowledge...my misfortune :oops:...
by cheese_breath
Thu Jul 02, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 118
Views: 5564

Re: Obsessing towards zero balance on credit card.

I pay the statement balance in full once a month. My two paychecks are accounted for, my wive's are the wild cards: How many wives do you have? I haven't explored this idea as a means to financial independence yet, but am definitely open to the possibility... :D I've never understood this. Wouldn't...
by cheese_breath
Thu Jul 02, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Accrued Interest When Selling Home
Replies: 3
Views: 350

Re: Accrued Interest When Selling Home

FreddieG wrote:... In the big scheme of things, not a huge deal, but it irks me, since I did everything right...

Understandable, but as you pass though life you'll encounter lots of little irking things. Don't let them get to you.
by cheese_breath
Thu Jul 02, 2015 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting
Replies: 22
Views: 1332

Re: Tax Loss Harvesting

This isn't sounding as easy as it was presented in the wiki. This Tax Loss harvesting...there needs to be an easier wiki explanation. I have about $7700 in long term gains on a fund I'm getting out of: Dreyfus Appreciation Fund, Inc. Class Investor (DGAGX) I bought VTIAX in May and currently have a...
by cheese_breath
Thu Jul 02, 2015 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting
Replies: 22
Views: 1332

Re: Tax Loss Harvesting

Sorry...I'm going to exchange my VTIAX to VFWAX and record the loss. I'm doing some reallocation in my taxable account this year and will have substantial capital gains...so I'll use the loss to offset some of that. I'm on the right track now. Thx In case you are unaware of it, a usually better use...
by cheese_breath
Thu Jul 02, 2015 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Mom's Employer - Lots of Issues
Replies: 19
Views: 2369

Re: Mom's Employer - Lots of Issues

Back to the lawyer thing... You should be able to get a free consultation with a lawyer to determine if (s)he thinks it is worth pursuing a lawsuit.
by cheese_breath
Thu Jul 02, 2015 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 118
Views: 5564

Re: Obsessing towards zero balance on credit card.

I pay the statement balance in full once a month. My two paychecks are accounted for, my wive's are the wild cards: How many wives do you have? I haven't explored this idea as a means to financial independence yet, but am definitely open to the possibility... :D I've never understood this. Wouldn't...
by cheese_breath
Thu Jul 02, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 118
Views: 5564

Re: Obsessing towards zero balance on credit card.

I save all my cc receipts and wait until I receive my monthly statement. It's approximately 3-4 weeks from the time I receive the statement until payment is due. During that time I verify the statement against the receipts and pay the entire amount billed through the cc's website on the Internet. Ev...
by cheese_breath
Thu Jul 02, 2015 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Mom's Employer - Lots of Issues
Replies: 19
Views: 2369

Re: Mom's Employer - Lots of Issues

She needs to hire the nastiest lawyer she can find. She should sign nothing, even if not signing means she gets no severance pay. She should document everything she can. I would expect everyone even remotely connected to the situation is going to be on the bad end of a settlement. Yes. They hound h...
by cheese_breath
Wed Jul 01, 2015 10:51 pm
Forum: Personal Consumer Issues
Topic: Medicare Billing Question
Replies: 10
Views: 1021

Re: Medicare Billing Question

I think their stupidity will eventually catch up with them, and that should be grief enough.

Both surgeries went great and healing well. I have to keep stretching the hands because they tighten up after a few hours if I don't, but I assume that will go away over time.
by cheese_breath
Wed Jul 01, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: Medicare Billing Question
Replies: 10
Views: 1021

Re: Medicare Billing Question

I'm only serious when it concerns my expenses. But given they ignored me before I guess I'll just stand aside until either... 1) they send me an unwarranted bill, or 2) someone in the Surgi Center discovers their biller has no clue about billing and fixes it on their own. Currently I'm not too conce...
by cheese_breath
Wed Jul 01, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional accumulation rate increase
Replies: 3
Views: 295

Re: TIAA Traditional accumulation rate increase

With the fully liquid versions, if you transfer out and then transfer back in within four months, you will still get your old rate. No! Not with the 3% guarantee Investment Solutions IRAs. That fund is closed. If you transfer out you can't get back in. If you try your money will be deposited in a 1...
by cheese_breath
Wed Jul 01, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

... Also, it is likely that the annuity offer will be better than what you can get on the open market.... Relaying more information from the GM buyout, GM actually gave Prudential an additional sum over and above the lump sum offer to purchase annuities providing comparable benefits to our pensions...
by cheese_breath
Wed Jul 01, 2015 8:43 am
Forum: Personal Consumer Issues
Topic: Medicare Billing Question
Replies: 10
Views: 1021

Re: Medicare Billing Question

On the chance someone might still be interested in this I thought I'd give a little update on what's happened since my last post. I notified the Surgi Center of their billing error for my left hand surgery and suggested they might use the base code (26123) instead of the add-on code (26125). Well ap...
by cheese_breath
Tue Jun 30, 2015 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to predict state taxes to help decide where to live
Replies: 20
Views: 1560

Re: How to predict state taxes to help decide where to live

And don't forget healthcare as you age. Not all states are equal.
by cheese_breath
Tue Jun 30, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Intentional 401k overcontribution to get new employer match
Replies: 31
Views: 1530

Re: Intentional 401k overcontribution to get new employer match

livesoft wrote:
nerdinvestor wrote: Why would they laugh at the request?

1. Because they know it was not an excess deferral when the money was being contributed.
2. Because they can.

And from their perspective it's not an excess contribution. The excess contribution is with the new employer.
by cheese_breath
Tue Jun 30, 2015 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Intentional 401k overcontribution to get new employer match
Replies: 31
Views: 1530

Re: Intentional 401k overcontribution to get new employer match

Don't try gaming the system. You're liable to get burned.
by cheese_breath
Tue Jun 30, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Fair compensation for change of delivery date without been notified
Replies: 19
Views: 1573

Re: Fair compensation for change of delivery date without been notified

You're not alone. Unfortunately that kind of thing happens all too often. I wouldn't expect dollars either. I imagine the best they might offer is a discount on a future purchase or maybe the gift card as mentioned above.
by cheese_breath
Mon Jun 29, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

I don't know the specifics of this Lucent offer, but my personal opinion is that companies offer pension buyouts because it will save them money, on average. Why else would they make the offer? By getting that obligation off their books it makes them more credit worthy in case they want to borrow m...
by cheese_breath
Mon Jun 29, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

I'd be interested in the best way to run the numbers on the cost of purchasing an annuity with similar provisions to an existing pension. That would allow a better comparison of the value of staying with the Lucent annuity vs. taking the lump sum that is offered, IMO. If you know the amount of the ...
by cheese_breath
Mon Jun 29, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

I don't know the specifics of this Lucent offer, but my personal opinion is that companies offer pension buyouts because it will save them money, on average. Why else would they make the offer? By getting that obligation off their books it makes them more credit worthy in case they want to borrow m...
by cheese_breath
Mon Jun 29, 2015 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

Mitchell777 wrote:For very old pensioneers, with no spouse and enough money to live on either way, wouldn't it often be best to take the lump sum since the pension cannot be passed on to non-spouse hiers?

Sounds reasonable, but I'd still want to run the numbers before making a decision.
by cheese_breath
Mon Jun 29, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

Here's the paradox. Despite the fact that people don't want to buy annuities - preferring to be their own amateur investment managers - when offered the choice between keeping their current defined benefit pension vs. going to a 403(b) public employees in several states have strongly preferred the ...
by cheese_breath
Mon Jun 29, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

I believe he said that the letter stated that the annuity would be transferred to an insurance carrier outside the purview of Lucent's employee benefits program. I don't know for sure how these things work in the first place, but I'm assuming that company pensions for retirees are probably administ...
by cheese_breath
Mon Jun 29, 2015 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Financial Support for Parents
Replies: 36
Views: 3588

Re: Financial Support for Parents

What happens when a parent dies with $400k negative net worth? Did you end up paying all your mother's creditors? How can you have $400k negative net worth? I'm not being argumentative, just interested in specific examples. I'd like some examples too. That's an awful lot of debt. But to the questio...
by cheese_breath
Mon Jun 29, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

My brother-in-law is a retired manager from Lucent and told me today that he received a letter indicating that Lucent intends to terminate it's corporate pension program. As a previously retired employee he will be offered the option of a lump sum buyout of his pension or an annuity to be managed b...
by cheese_breath
Mon Jun 29, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

If the buyout amount is fair, he can always turn around and purchase his own annuities with that money (multiple, to spread out the risk among institutions). The annuity from the pension plan will probably pay more than one that he can buy from an insurance company, though it won't be diversified a...
by cheese_breath
Mon Jun 29, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 2940

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

We had an old 27" TV in a very nice cabinet complete with closing doors. When the TV gave out many years ago I took it out of the cabinet and disposed of it. (That was when you could still put them in the trash.) Put in a floor where the wire mesh was on the bottom and a back on it and used it ...
by cheese_breath
Mon Jun 29, 2015 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

Thank you, cheese_breath, it's good to know. Victoria Remember, there's no guarantee Lucent will do it the same way GM did. GM and Prudential handled the details of the financial transfer so the money went directly from GM to Pru without me ever touching it. If I had taken the lump sum and bought a...
by cheese_breath
Mon Jun 29, 2015 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

This thread may be of interest to your brother-in-law.. Thank you for the reference, it is in fact of great interest. One difference between the two threads is that g$$'s discussion is focused on the initial decision , in which a retiring employee is choosing between a lump sum and the company's pe...
by cheese_breath
Sun Jun 28, 2015 11:12 pm
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 13
Views: 1571

Re: Is your home owner insurance going up 27% this year?

Mine in MI went up about 17% last year. But it's still 34% less with Safeco now than it was 2 years ago with AAA .
by cheese_breath
Sun Jun 28, 2015 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's your net worth break down? What's ideal?
Replies: 44
Views: 6413

Re: What's your net worth break down? What's ideal?

74 years old - Approximately 0.55% ….Stock - tIRA 20.03% ….Stock - Roth 2.33% ….Stock - Taxable 34.52% ….Fixed Income - tIRA 8.73% ….Fixed Income - Roth 7.22% ….Fixed Income - Taxable 23.66% ….Home Equity 2.96% ….Personal Property (cars, home furnishings, collectables, etc.) edits: No debt. Pensions...
by cheese_breath
Sun Jun 28, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

If the buyout amount is fair, he can always turn around and purchase his own annuities with that money (multiple, to spread out the risk among institutions). The annuity from the pension plan will probably pay more than one that he can buy from an insurance company, though it won't be diversified a...
by cheese_breath
Sun Jun 28, 2015 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4928

Re: Lucent offering pension buyout to retirees: what to do?

How can he weigh the pros and cons before he knows the specifics?

As a GM retiree I was faced with the same choice. I chose the annuity, but not before I knew the specifics.
by cheese_breath
Sun Jun 28, 2015 4:32 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5270

Re: Squirrel nemesis

peppers wrote: When the squirrel went after the herb plants, he crossed the Rubicon.

As I said, squirrels love a challenge. Are you up to it? :P
by cheese_breath
Sun Jun 28, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: No gain in 9 months of investment
Replies: 23
Views: 4344

Re: No gain in 9 months of investment

Keep your long term focus. There will most likely come a time when your portfolio actually will be down and probably a by lot more than 2%. But if you stay the course you can expect it to recover over time and more than make up for the temporary downturn. If you start jumping from fund to fund tryin...
by cheese_breath
Sun Jun 28, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2259

Re: Upgrading to Windows 10?

wander wrote:I wouldn't upgrade to anything unless some specific programs require software upgraded to run.

Or if you do decide to upgrade anyway I'd wait at least 6 months for them to get the bugs worked out first.
by cheese_breath
Sat Jun 27, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 2940

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

Check out the antique malls around you. I bet one of the vendors would want it. Tell them they can have it free if they come and get it.

Take a picture with you.
by cheese_breath
Sat Jun 27, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5270

Re: Squirrel nemesis

Squirrel vs. chihuahua... Hmmm. Too close to call.

I was thinking of something more like a Rottweiler.
by cheese_breath
Sat Jun 27, 2015 10:06 am
Forum: Forum Issues and Administration
Topic: Can we put up to vote if forum members want to see topics that are financial but related to politics
Replies: 22
Views: 1368

Re: Can we put up to vote if forum members want to see topics that are financial but related to politics

I'd prefer to keep it just the ways it is. There are other forums where one can discuss politics and speculate all he wants.
by cheese_breath
Sat Jun 27, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5270

Re: Squirrel nemesis

Squirrels love a challenge. They'll go after the guarded plants and leave the unprotected ones alone. :)
by cheese_breath
Fri Jun 26, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 21
Views: 2542

Re: Fish in the refrigerator

I heard it is best to remove leftovers from the can because once open the metal of the can reacts with air and more of it leaches into the food. I would transfer to an airtight container, tupperware of glass. Though putting the whole can into a bag or container would help seal the smell.... I heard...
by cheese_breath
Fri Jun 26, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5270

Re: Squirrel nemesis

jane1 wrote:I have been fighting squirrels this season. They started with a Basil plant.

Maybe they were looking for the oregano for their tomato, basil & oregano bruschettas ???
by cheese_breath
Fri Jun 26, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: tap IRA to pay off CC debt?
Replies: 31
Views: 3142

Re: tap IRA to pay off CC debt?

If I pay it off from my 401K I feel I can break the pattern and start saving up cash reserves immediately. I am still not buying this... Me neither. Unless you're already living at the poverty level I have a hard time believing you couldn't cut back on living expenses enough to have the whole thing...

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