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Re: New HVAC

How bad would you be if you had to live without heat or cooling for awhile? A failed furnace in Minnesota or A/C in Texas would probably be considered an emergency, and you may have to pay a premium to get a replacement ASAP. OTOH there may be other parts of the country where you might be willing to...
by cheese_breath
Sat Apr 18, 2015 9:37 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC
Replies: 17
Views: 876

Re: Is this an index fund?

Agree with the other posters. This is an indexed annuity, and the FA (salesman) who called it an index fund is either ignorant or dishonest to call it an index fund. That's reason enough to stay away from him.
by cheese_breath
Sat Apr 18, 2015 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this an index fund?
Replies: 11
Views: 830

Re: System Risk

Don't you keep the quarterly statements and additional statements they send you for each transaction?
by cheese_breath
Fri Apr 17, 2015 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: System Risk
Replies: 5
Views: 615

Re: Speeding tickets and points

Ron wrote:Why don't you just call your insurance agent?...

That's a sure fire way to get a rate increase.
by cheese_breath
Thu Apr 16, 2015 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Speeding tickets and points
Replies: 10
Views: 997

Re: Is it ok to NOT have significant taxable investments?

... It seems to me there's no way to retire early without it but I'm still shooting for between 55 and 60 (I'm currently 38) Not necessarily. There's an exception to the 59 1/2 rule that may enable you to withdraw from your retirement accounts in a series of substantially equal periodic payments wi...
by cheese_breath
Thu Apr 16, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 4586

Re: Is it ok to NOT have significant taxable investments?

Well, if you want to retire early, it might be a good idea to have some money in taxable... That's what I did. Retired at 56 with one small pension and supplemented it with my taxable monies until second pension and SS kicked in. Spent the taxable down to near zero during that time where it stayed ...
by cheese_breath
Thu Apr 16, 2015 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 4586

Re: Do you wish you retired earlier?

Retired at 56, but if I could have I would have.
by cheese_breath
Wed Apr 15, 2015 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you wish you retired earlier?
Replies: 28
Views: 3510

Re: How to (diplomatically) challenge wife's active mgmt fun

When you find out how to (diplomatically) a wife on anything I'd like to know. I've been trying to figure that one out for several decades.
by cheese_breath
Wed Apr 15, 2015 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 87
Views: 4583

Re: Calculating LTCG for a long-term investment

Don't forget to include splits and reverse splits in your calculations. Actually if you knew how to program developing a program to calculate all this and spit out a report wouldn't be that difficult assuming the manual process was well understood. But if the data isn't in machine readable form it ...
by cheese_breath
Wed Apr 15, 2015 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating LTCG for a long-term investment
Replies: 5
Views: 361

Re: Calculating LTCG for a long-term investment

Don't forget to include splits and reverse splits in your calculations. Actually if you knew how to program developing a program to calculate all this and spit out a report wouldn't be that difficult assuming the manual process was well understood. But if the data isn't in machine readable form it w...
by cheese_breath
Wed Apr 15, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating LTCG for a long-term investment
Replies: 5
Views: 361

Re: Required minimum distribution and year end fund distribu

.... I glanced over something in this thread about a ROTH IRA. We are both retired with no earned wages. We are not eligible to open Roth IRA's are we?.... I believe you are, but not the way you think. You can't contribute to a Roth, but you can convert your tIRA to a Roth after you have satisfied ...
by cheese_breath
Wed Apr 15, 2015 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 1966

Re: [retired guy said] terrible crash is coming

Let us know when he announces the date.
by cheese_breath
Wed Apr 15, 2015 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 7904

Re: Combing Vanguard funds to purchase individual stocks

So what did you finally decide, Exxon or Haliburton?
by cheese_breath
Tue Apr 14, 2015 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Combing Vanguard funds to purchase individual stocks
Replies: 18
Views: 965

Re: Investing in stocks of companies in the same industry

In the opinions of many it is not a good practice to invest in individual stocks. Put your money in a diversified index fund such as TSM and you'll have Coke, Pepsi, Dr. Pepper and many more.
by cheese_breath
Tue Apr 14, 2015 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in stocks of companies in the same industry
Replies: 2
Views: 213

Re: 2015 tax effects of missed 2014 RMD

I hope you're young enough to take advantage of the 70 1/2 years old rule so you don't incur the missed withdrawal penalty. As you noted you saved on taxes in 2014, but will pay more in 2015. Without knowing any more about your total income my guess is it may be a wash. But the penalty is a whopper.
by cheese_breath
Tue Apr 14, 2015 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 tax effects of missed 2014 RMD
Replies: 7
Views: 541

Re: How does this site make money?

Taylor is an excellent market timer, and all his profits go toward supporting the site. :P :twisted: :wink:
by cheese_breath
Tue Apr 14, 2015 5:40 pm
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5351

Re: [How long to] Wait For Employment Offer

...The position is in sales, and I am hestitant about going out and scheduling future events in my current sales position in the event I leave... Not to put a damper on your hopes, but have you considered the possibility you might not be their first choice and they're stringing along until they get...
by cheese_breath
Tue Apr 14, 2015 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: [How long to] Wait For Employment Offer
Replies: 12
Views: 1037

Re: taxable account advice needed

How big a pull back? 1%? 5%? 15%?

Pull back from when? Today's close? Next Friday's close (not knowing what that will be)? End of month close (not knowing what that will be)?
by cheese_breath
Tue Apr 14, 2015 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: taxable account advice needed
Replies: 10
Views: 1029

Re: [How long to] Wait For Employment Offer

I wouldn't wait. Keep interviewing with other companies. If their offer comes through before you get a good offer from someone else, fine. If not take the other offer.
by cheese_breath
Tue Apr 14, 2015 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: [How long to] Wait For Employment Offer
Replies: 12
Views: 1037

Re: Investing 150k in the short term

Amortie wrote:...So I want to put 75% of the total to work for a potentially higher return than a savings account. Thanks.

I'd keep anything I might need in less than 5 years in FDIC insured savings and CDs.
by cheese_breath
Tue Apr 14, 2015 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing 150k in the short term
Replies: 7
Views: 730

Re: Am I missing a retirement savings vehicle?

Yes. It's called a taxable account. My parents used it to fund their retirement.
by cheese_breath
Tue Apr 14, 2015 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I missing a retirement savings vehicle?
Replies: 3
Views: 597

Re: Investing 150k in the short term

What do you define as 'short term' and how much of the 200K might you need in the 'short term'? I would keep at least that much in an FDIC insured savings account paying the best interest rate you can find (currently about 1%). If you think you might need 200K, then I'd keep the entire 200K in FDIC ...
by cheese_breath
Tue Apr 14, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing 150k in the short term
Replies: 7
Views: 730

Re: Tax Preparer Guarantees

From one perspective I suppose if they don't charge you any extra for the guarantee, then it's worth it. From another perspective if they prepare your taxes correctly, then there's no need for the guarantee. Personally I would be comfortable with the TT verification processes. But whoever you use to...
by cheese_breath
Tue Apr 14, 2015 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Preparer Guarantees
Replies: 11
Views: 1097

Re: Talking to People About Retirement

It's funny...my employer offers financial workshops through Fidelity. One is for people that don't know how to get started saving for retirement, one is for people looking for portfolio advice, and another is for people getting ready to transition to retirement and want advice on how to start gener...
by cheese_breath
Mon Apr 13, 2015 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 6322

Re: Talking to People About Retirement

Just tell them you've been saving for a long time so you could do this.
by cheese_breath
Mon Apr 13, 2015 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 6322

Re: Record keeping with Excel

I have set of Excel spreadsheets I use to manage my expenses and track my investments. It's probably more than you are looking for, but it may give you some ideas for constructing your own spreadsheets. I'd be happy to send you some conceptual models with fictitious numbers if you will PM me with yo...
by cheese_breath
Sun Apr 12, 2015 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: Record keeping with Excel
Replies: 19
Views: 1545

Re: How should I name my home Wi-Fi network?

You could name it Kim Kardashian if you're looking to get a lot of hits.
by cheese_breath
Sun Apr 12, 2015 2:21 pm
 
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4464

Re: Free Chromecast with Toshiba Chromebook

This thread is now in the Personal Consumer Issues forum (Chromecast offer). cheese_breath - Today is 4/12, the offer is good until 4/17. You may want to update your post. Thanks. Today hasn't been a good day for that post. I've had to correct it twice so far. :( But maybe it'll be a good day for t...
by cheese_breath
Sun Apr 12, 2015 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Free Chromecast with Toshiba Chromebook
Replies: 6
Views: 465

Re: How should I name my home Wi-Fi network?

Out of Order Try Later
by cheese_breath
Sun Apr 12, 2015 12:35 pm
 
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4464

Re: Free Chromecast with Toshiba Chromebook

TradingPlaces wrote:Deleted to remove personal info. cheese_breath, you might want to do the same in the post you quoted me.

Done. Double thanks.
by cheese_breath
Sun Apr 12, 2015 10:40 am
 
Forum: Personal Consumer Issues
Topic: Free Chromecast with Toshiba Chromebook
Replies: 6
Views: 465

Re: Free Chromecast with Toshiba Chromebook

Corrected link. Thanks.
by cheese_breath
Sun Apr 12, 2015 10:22 am
 
Forum: Personal Consumer Issues
Topic: Free Chromecast with Toshiba Chromebook
Replies: 6
Views: 465

Re: Live in house free or buy it?

There seem to be a lot of factors we don't know about. Does the person want to stay in that location permanently? How old is he or she? How much do they like the house? How does the cost factor into their spending?... Glad you glad it that way. I was sitting here trying to think of all the things t...
by cheese_breath
Sun Apr 12, 2015 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Live in house free or buy it?
Replies: 12
Views: 1236

Free Chromecast with Toshiba Chromebook

Staples is offering a free Chromecast until 4/17 with purchase of a Tohsiba Chromebook.

http://www.staples.com/keywords/cat_BI995351

edit: fixed link.

edit 2: Corrected expiration date.
by cheese_breath
Sun Apr 12, 2015 9:37 am
 
Forum: Personal Consumer Issues
Topic: Free Chromecast with Toshiba Chromebook
Replies: 6
Views: 465

Re: regret and depression...how to deal with it

Treating depression isn't the forte of the members here, but there are professionals in that field who may be able to help you.
by cheese_breath
Sat Apr 11, 2015 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 67
Views: 5109

Re: Price for new furnance & AC unit

Lennox is good quality, but the black sheep of the hvac world. Please explain this comment. Thanks. Don't know if this is still true, but at the time I was looking in 2009 Lennox was reputed to be more expensive to fix if you had a problem. OTOH, before I got my new Carrier I had a Lennox for over ...
by cheese_breath
Sat Apr 11, 2015 11:11 am
 
Forum: Personal Consumer Issues
Topic: Price for new furnance & AC unit
Replies: 21
Views: 1371

Re: Price for new furnance & AC unit

How much work is actually involved? What is a days work worth for the right person? What does the Lennox badge offer in cost vs reward? With 30 seconds of searching I can find 15 Seer, 96% efficient hybrid fuel systems online, not one of which costs over 3K. There are many qualified and/or skilled ...
by cheese_breath
Sat Apr 11, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: Price for new furnance & AC unit
Replies: 21
Views: 1371

Re: Price for new furnance & AC unit

Watty wrote:....If your hot water heater is older and next to your furnace then ask about getting that replaced too....

That reminds me... If your water heater vents into the existing brick chimney be sure to have a chimney liner installed if you don't already have one.
by cheese_breath
Sat Apr 11, 2015 8:00 am
 
Forum: Personal Consumer Issues
Topic: Price for new furnance & AC unit
Replies: 21
Views: 1371

Re: Fund a Roth without earned income question

You can't convert your RMD to a Roth, but you can convert the rest of your tIRA (some or all) to Roth after the RMD has been taken. Assuming we're talking Vanguard tIRA and Roth you can do it online at the Vanguard website.
by cheese_breath
Sat Apr 11, 2015 7:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Fund a Roth without earned income question
Replies: 1
Views: 328

Re: Has Anyone had a Credit Card Cancelled for not Using It

I'm sure we had store cards cancelled for that reason but were never notified. Back in the old days my wife had a purse full of individual store cards, but as the national cards began offering rewards I phased her off them. I'm sure they're gone because they don't appear on out credit reports. Now w...
by cheese_breath
Sat Apr 11, 2015 7:39 am
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3538

Re: Price for new furnance & AC unit

HardKnocker wrote:The real question is whether you want a Lennox brand unit or not and if the installer is reputable and will do a good job.

+1 Lennox is a good brand, but it's not the only good brand out there. There are several threads discussing furnace and a/c brands.
by cheese_breath
Sat Apr 11, 2015 7:27 am
 
Forum: Personal Consumer Issues
Topic: Price for new furnance & AC unit
Replies: 21
Views: 1371

Re: Mailing tax returns

I e file my federal taxes 'cause TT does it free. I mail my state taxes 'cause e-file isn't free. A couple weeks later I check on my state website to verify they've received it.
by cheese_breath
Thu Apr 09, 2015 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 54
Views: 3395

Re: Concerns about not tilting to certain sectors

No. I'd be more concerned about what I might miss out on if I tilted in the wrong direction.
by cheese_breath
Thu Apr 09, 2015 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Concerns about not tilting to certain sectors
Replies: 10
Views: 734

Re: Required minimum distribution and year end fund distribu

dc81584 wrote:cheese_breath: love the user name.

I used to call my wife that because she's a big fan of Annette Funicello and the old Mickey Mouse club. But then I decided it's too neat to waste on her and appropriated it for myself.
by cheese_breath
Thu Apr 09, 2015 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 1966

Re: Required minimum distribution and year end fund distribu

Is the RMD in the same index fund within the IRA as you plan to use in the taxable account? Assuming we're referring to a stock index fund and stocks usually increase in value more than they lose value it might be beneficial to take the RMD early. Waiting until year end means any gains will be taxe...
by cheese_breath
Wed Apr 08, 2015 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 1966

Re: Required minimum distribution and year end fund distribu

Is the RMD in the same index fund within the IRA as you plan to use in the taxable account? Assuming we're referring to a stock index fund and stocks usually increase in value more than they lose value it might be beneficial to take the RMD early. Waiting until year end means any gains will be taxe...
by cheese_breath
Wed Apr 08, 2015 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 1966

Re: Cheapest way to get Credit Card cash advance.

Hi. I have a need to get a cash advance (about $1000) from one of my credit card accounts. This is a onetime need - I need to pay for something where CC's are not accepted. BTW, I need to be able to have the cash in hand. I can't pay by check. Is your only problem that you can't pay by CC or check,...
by cheese_breath
Wed Apr 08, 2015 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to get Credit Card cash advance.
Replies: 24
Views: 1804

Re: Required minimum distribution and year end fund distribu

I don’t mind paying quarterly taxes. With two pensions, social security, and RMDs trying to get all the withholdings just right so I don’t go too far over or too far under my total tax liability would be more of a hassle than just doing the quarterly estimated tax payments.
by cheese_breath
Wed Apr 08, 2015 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 1966

Re: Which mortgage is better to pay off?

I go for the comfort of paying off the space I live in. If it ever came to a position where you faced foreclosure on one I'd rather lose the rental property than my home.
by cheese_breath
Wed Apr 08, 2015 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage is better to pay off?
Replies: 18
Views: 1471

Re: Required minimum distribution and year end fund distribu

Is the RMD in the same index fund within the IRA as you plan to use in the taxable account? Assuming we're referring to a stock index fund and stocks usually increase in value more than they lose value it might be beneficial to take the RMD early. Waiting until year end means any gains will be taxed...
by cheese_breath
Wed Apr 08, 2015 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 1966

Re: anyone have experience with water softeners?

Do you know if there are any disadvantages to a Kinetico or other water powered systems? I had one of those (not sure of brand, but it wasn't Kinetico) from the late '70s through the early '90s and had no problems with it. Regen was adjustable based on the amount of water that passed through it. I ...
by cheese_breath
Tue Apr 07, 2015 10:41 am
 
Forum: Personal Consumer Issues
Topic: anyone have experience with water softeners?
Replies: 41
Views: 1754
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