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Re: Over-55 communities a ripoff?

So do garbage trucks. How do you tell if it's a medical or trash issue? Or maybe it's both? Do the chirps have different tones? There were rules against garbage pickup after midnight. If only they had had a similar rule against medical emergencies. So before midnight it's garbage, after midnight it...
by cheese_breath
Thu Apr 17, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2266

Re: Tried to get credit report - security questions don't ma

Some problem with Equifax for both myself and my wife. No problems with the other two agencies.
by cheese_breath
Thu Apr 17, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 47
Views: 5401

Re: Over-55 communities a ripoff?

Children, or lack thereof. I did not buy, but rented in an over-55 apartment complex. It was eerily quiet, the silence broken only by the sounds of the emergency vehicles coming after midnight to take away those who would never return (over 55 includes a lot of really over 55). If you like silence ...
by cheese_breath
Thu Apr 17, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2266

Re: Over-55 communities a ripoff?

I wonder why some people 'downsize' by selling their big inner city homes and moving to smaller, more expensive homes in the suburbs. Are the suburban homes ripoffs too? I was thinking of selling my big suburban home and being ripped off by buying a loft in downtown LA.... So what goes around comes...
by cheese_breath
Thu Apr 17, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2266

Re: Over-55 communities a ripoff?

I wonder why some people 'downsize' by selling their big inner city homes and moving to smaller, more expensive homes in the suburbs. Are the suburban homes ripoffs too?
by cheese_breath
Thu Apr 17, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2266

Re: Over-55 communities a ripoff?

People are free to buy or not buy as they choose. As long as they know what they're getting for the price they pay it's not a ripoff. If they don't think it's worth the price they don't have to buy.
by cheese_breath
Thu Apr 17, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2266

Re: The Unemployment Game Plan

You don't know how long you will be unemployed so I would say: 1) Kill the car loan, rest go into savings. Stop mid term investing as you may need it when unemployment benefits run dry. 2) Yes, again, you dont know how long you will be unemployed, if you gain employment soon you can catch back up 3...
by cheese_breath
Thu Apr 17, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: The Unemployment Game Plan
Replies: 12
Views: 807

Re: The Unemployment Game Plan

You don't know how long you will be unemployed so I would say: 1) Kill the car loan, rest go into savings. Stop mid term investing as you may need it when unemployment benefits run dry. 2) Yes, again, you dont know how long you will be unemployed, if you gain employment soon you can catch back up 3...
by cheese_breath
Thu Apr 17, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: The Unemployment Game Plan
Replies: 12
Views: 807

Re: Help select laptop

If you plan to keep it for awhile I'd recommend getting more PC than you need right now or think you'll need in the future. My experiences have been... ... Just about every software upgrade requires more PC resources than the previous version. ... Over time I find myself liking and using features I ...
by cheese_breath
Thu Apr 17, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 12
Views: 638

Re: Reinvesting dividends in securities individually?

Hello, I have a few stocks that I rolled into an IRA in a Vanguard brokerage services (VBS) account from Wells Fargo Advisors (WFA). The stocks were purchased by my WFA advisor at the time (before I was aware of indexing). They have lost some money so I am holding on to them until I can recover som...
by cheese_breath
Wed Apr 16, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends in securities individually?
Replies: 3
Views: 202

Re: Question regarding security door

Phineas J. Whoopee wrote:..... 2) How strong do the doors need to be to convince a determined breaker-and-enterer to use a window? ....

Are your windows as secure as your doors will be?
by cheese_breath
Tue Apr 15, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Question regarding security door
Replies: 11
Views: 777

Re: Can this 4% CD be trusted?

Sun Cities is specifically mentioned in this article...

http://www.wyll.com/finances/11708628/
by cheese_breath
Tue Apr 15, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: Can this 4% CD be trusted?
Replies: 21
Views: 2324

Re: financial advisor

How does he help them with their finances? Do they have anything to compare his performance against?
by cheese_breath
Tue Apr 15, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: financial advisor
Replies: 6
Views: 383

Re: I'm on a mission for more security

Get a good shredder. Install a good home security system and/or sign up for home security monitoring service. Once a thief gets into your house he can walk out with any financial records you have there.
by cheese_breath
Tue Apr 15, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1525

Re: Selling high buying high

If you sold high you probably had capital gains. If you're in the 10% or 15% tax brackets you won't have to pay any federal tax on them. Plus you established a new, higher basis when you bought the mutual funds.
by cheese_breath
Fri Apr 11, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling high buying high
Replies: 3
Views: 470

Re: Bannability Index

Does this mean your TI (tolerability index) is 10,644/10,875 = 0.97876? Not too shabby. My wife always tells me I'm intolerable, so I guess my TI = 0.0000.
by cheese_breath
Fri Apr 11, 2014 9:49 am
 
Forum: Forum Issues and Administration
Topic: Bannability Index
Replies: 10
Views: 718

Re: Question Owner Financing

I've been poking around the Internet and it appears you can gift your spouse any amount tax free, but I can't find the specific IRS rule for this. So I suggest you don't do anything until one of the experts posts something.
by cheese_breath
Thu Apr 10, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Question Owner Financing
Replies: 11
Views: 552

Re: Question Owner Financing

You can't write four checks because that would be four gifts from you and none from your spouse. This part I'm not sure of so I'm hoping someone else will chime in and correct me where I'm wrong. I don't think you can write two checks to hubby because that would be gifting him $28,000, which would r...
by cheese_breath
Thu Apr 10, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Question Owner Financing
Replies: 11
Views: 552

Re: Question Owner Financing

IMO loaning money to family members is fraught with dangers, even in the best families. I won't go into details because there are lots of other threads here that give many examples. But I would ask, what would happen if your military SIL gets transferred? Would they want to sell the house, keep it, ...
by cheese_breath
Thu Apr 10, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Question Owner Financing
Replies: 11
Views: 552

Re: Alternative to a car

Does her retirement community or local senior center have a shuttle bus service she could use? Just about every afternoonI I go to Kroger's there is a senior's shuttle bus letting them off to do their grocery shopping or loading them to take them back home.
by cheese_breath
Wed Apr 09, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 31
Views: 1893

Re: New TV or Sound bar?

I have a Panasonic Viera TH50PX80U 50" Plasma HDTV. The picture still looks great but the sound (especially with movies) often sounds muffled to the point where it needs to be turned up pretty loud to hear what people are saying. In most of the new sets today the sound either comes out of the ...
by cheese_breath
Tue Apr 08, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2027

Re: New TV or Sound bar?

It also only has two HDMI ports on the back and I have 4 devices to connect (DVD player, Uverse set top box, XBox and Chromecast) so I'm occasionally switching cords. Mine also has only two HDMI ports. I ended up buying a HDMI switch from Monoprice so I didn't have to keep switching cables. http://...
by cheese_breath
Tue Apr 08, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2027

Re: Reel Lawn Mowers

Many years ago I bought a power reel mower when my rotary mower gave up the ghost because I heard reels are less damaging to the grass. My experience was it did an OK job but wasn't as good on thick grass as the rotary models. Granted this was many years ago, but I doubt the basic technologies have ...
by cheese_breath
Tue Apr 08, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Reel Lawn Mowers
Replies: 19
Views: 881

Re: Merrill Lynch

bottlecap wrote:Why in the world would you believe a Merrill Lynch salesperson? :oops:

JT

Do you believe in the tooth fairy too?
by cheese_breath
Mon Apr 07, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch
Replies: 19
Views: 1690

Re: temp power of attorney for specific purpose of selling h

While it's possible MI may have changed their laws, when my family moved to CA many decades ago parents gave my grandfather POA for selling their MI house.
by cheese_breath
Sun Apr 06, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: temp power of attorney for specific purpose of selling house
Replies: 7
Views: 384

Re: Do Advisors Help or Hinder?

Advisors help .... themselves.
by cheese_breath
Sun Apr 06, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Do Advisors Help or Hinder?
Replies: 7
Views: 586

Re: Time for Internet Explorer 11?

whaleknives wrote:You're obviously not married to a Luddite.

She used to be until she discovered eBay, doll and teddy bear forums, American Bandstand fan club, et. all.
by cheese_breath
Sun Apr 06, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1139

Re: Time for Internet Explorer 11?

whaleknives wrote:Do you have a way of test driving 11 for the sites you (meaning your wife) use?

Unfortunately Google is her friend. Whenever she gets something new in her mind she goes to Google, and who knows where that will take her.
by cheese_breath
Sun Apr 06, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1139

Time for Internet Explorer 11?

I don’t like to be a pioneer when it comes to installing new software releases. (You can always tell the pioneers. They’re the ones with the arrows in their backs.) But now that IE 11 has been out for several months I’m wondering if the bugs have been worked out, and it’s time to upgrade from IE 10....
by cheese_breath
Sun Apr 06, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1139

Re: Buying for someone who "has everything"

Donate to your favorite charity in your name.
by cheese_breath
Fri Apr 04, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2289

Re: "78%" Of course ?

And, of course, 78% of all internet-posted statistics are made up. GD: Where did you find the "78%" figure? Thank you and best wishes. Taylor I quote: "78% of all internet-posted statistics are made up." - Abraham Lincoln. That ought to put a bow on this little debate. And Abe d...
by cheese_breath
Fri Apr 04, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Please help identify quote: I'm richer than he because...
Replies: 28
Views: 2747

Re: Best TV Shows and YouTube channels related to money?

Beverly Hillbillies? They had money and their banker (Mr. Drysdale) as their next door neighbor. Just about every episode had something to do with their money.
by cheese_breath
Fri Apr 04, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1047

Re: Preventing Office Theft of Food and Other Stuff

In "Predictably Irrational" Dan Ariely describes experiments with different tempting items put into college-dorm refrigerators. When a bundle of Coca-Cola cans was placed in, all the cans have disappeared fairly quickly. When a plate with one-dollar bills was placed in (of equivalent valu...
by cheese_breath
Fri Apr 04, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 4986

Re: Preventing Office Theft of Food and Other Stuff

Never had anything of value other than a few Pepsis from the refrigerator.
by cheese_breath
Fri Apr 04, 2014 7:45 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 4986

Re: Banks With Higher Interest Rate Savings Accounts/MMA

Ally ever since it was GMAC Bank. No problems ever.
by cheese_breath
Thu Apr 03, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Banks With Higher Interest Rate Savings Accounts/MMA
Replies: 6
Views: 529

Re: "78%" Of course ?

And, of course, 78% of all internet-posted statistics are made up. GD: Where did you find the "78%" figure? Thank you and best wishes. Taylor I quote: "78% of all internet-posted statistics are made up." - Abraham Lincoln. That ought to put a bow on this little debate. And Abe d...
by cheese_breath
Thu Apr 03, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Please help identify quote: I'm richer than he because...
Replies: 28
Views: 2747

Re: Preventing Office Theft of Food and Other Stuff

I don't think people realize that even something as silly as this is grounds for immediate dismissal at some (most) workplaces. It would be an awfully stupid way to lose one's job. And it's good grounds too. Not that swiping a Pepsi is a big loss to the owner, but it reveals a lot about the swiper'...
by cheese_breath
Thu Apr 03, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 4986

Re: Preventing Office Theft of Food and Other Stuff

For a while, a co-worker put a lock box in the refrigerator to protect his cream. Unfortunately, in a large office setting whatever is not locked up or locked down will eventually be stolen. 9 years at a large office. Been shifted between various buildings and various groups. I've had one soda go m...
by cheese_breath
Thu Apr 03, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 4986

Re: Investment amount instead of allocation percentage

Being retired I go the other way by saying I want at least X years of living expenses in fixed income regardless of market conditions, but I've never (yet)reached the point where X has affected my AA.
by cheese_breath
Thu Apr 03, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Investment amount instead of allocation percentage
Replies: 21
Views: 1520

Re: Migrating from XP to Win 7

I only upgrade about once every 8 years, and rather than moving apps I view this as my opportunity to install the latest versions. As far as migrating data I do it myself. All kinds of junk builds up over 8 years so this is my opportunity to clean up my data by moving only what I want. Copy it to an...
by cheese_breath
Thu Apr 03, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Migrating from XP to Win 7
Replies: 10
Views: 550

Re: Preventing Office Theft of Food and Other Stuff

My step son used to work for a company where food often disappeared from the communal refrigerator. He solved the problem by spiking some brownies with a heavy dose of Ex Lax and leaving them in the fridge. They soon discovered who the perp was.
by cheese_breath
Thu Apr 03, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 4986

Re: Check hold for 40 days? Outrageous?

Yes, 40 days is outrageous.
by cheese_breath
Wed Apr 02, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Check hold for 40 days? Outrageous?
Replies: 11
Views: 1335

Re: Lending money to family

If Call_Me_Op is correct you would also be committing income tax fraud by not charging the market interest rate, which would be taxed as income to you. There is no fraud in not charging interest. The fraud is in not reporting the interest you didn't charge that you could have (the imputed interest)...
by cheese_breath
Wed Apr 02, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family
Replies: 25
Views: 1908

Re: Lending money to family

Hello All, If necessary, we will provide a letter to the bank saying that the money we are giving is a gift.. Now, is there anything we need to know if my sister-in-law plans to repay it back in the next year or two? Thanks all again for your response. You both need to know that this would be commi...
by cheese_breath
Wed Apr 02, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family
Replies: 25
Views: 1908

Re: Lending money to family

Hello All, Thank you all for the comments. I am glad that I posted this questions as I didn't realize there are potential complications with giving interest free loan to family. I am not from this country and back home lending money to help someone, especially immediately family, is very common. Ou...
by cheese_breath
Wed Apr 02, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family
Replies: 25
Views: 1908

Re: Laid off today... TODO list?

Budget... Look for ways to reduce spending.
by cheese_breath
Wed Apr 02, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9513

Re: Lending money to family

Hello, We are planning to lend about 30K to my sister-in-law's family to help with their home purchase. We are giving it as a gift and do not expect any interest on it.... Are you saying you're doing an interest free loan but want to pretend it's a gift (for whatever reason)? If it's really a loan ...
by cheese_breath
Tue Apr 01, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family
Replies: 25
Views: 1908

Re: credit report

Even if you never need to check your score you should check your report regularly to make sure nobody is opening accounts in your name.
by cheese_breath
Mon Mar 31, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: credit report
Replies: 12
Views: 484

Re: Is The US Stock Market Rigged? ~ 60 Minutes March 30, 20

I saw the 60 Minutes show. A good reason to use index funds and avoid market timing. The rapid traders were front running and skimming a little bit off of every trade made. Even if you held only index funds, you were still impacted, although the low turnover of index funds would lead to fewer trans...
by cheese_breath
Mon Mar 31, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"
Replies: 70
Views: 2490
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