Search found 4738 matches

by cheese_breath
Wed Jul 29, 2015 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Strategies to reduce living costs for a single-person household?
Replies: 7
Views: 732

Re: Strategies to reduce living costs for a single-person household?

... but I feel I might have to delay my retirement or the quality of my retirement life might decline unless I find other ways to save... Have you established a target amount you will need to accumulate in order to retire, and do you have an investment plan? Saving on expenses is good, but it's onl...
by cheese_breath
Tue Jul 28, 2015 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies to reduce living costs for a single-person household?
Replies: 7
Views: 732

Re: Strategies to reduce living costs for a single-person household?

Transportation? Do you need a car? Drive a beater? Cable TV, Internet, cell phone? Do you need / use everything you pay for? Since you're cooking more do you buy store brand foods or name brand? Turn AC up a couple degrees in summer and furnace down a couple in winter? Pay yourself first through aut...
by cheese_breath
Tue Jul 28, 2015 5:04 pm
Forum: Investing - Theory, News & General
Topic: The forgotten inaccuracies of our small predictions
Replies: 16
Views: 1480

Re: The forgotten inaccuracies of our small predictions

With me it's more accurate memories and bad predictions. For example I spent my last 2 years of high school in small town CA. Left shortly after graduation and didn't return for 24 tears. Expected it to look just like it did 24 tears ago and was shocked at the changes. Or, spent a lot of time workin...
by cheese_breath
Tue Jul 28, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 109
Views: 5420

Re: wife got in wreck with Honda CRV - no collison coverage

Long ago, well, not that long long ago, my driving instructor said if you are doing 55 on a highway, ideally you want to have a 3 car minimum gap between you and the guy in front of you, otherwise you may not have enough time or space to stop your car before careening into the first car. It's been ...
by cheese_breath
Tue Jul 28, 2015 1:47 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 109
Views: 5420

Re: wife got in wreck with Honda CRV - no collison coverage

I'd want her to have a complete in-depth medical exam to make sure it's not something physical that's impairing her driving abilities. Brief blackouts? Impaired reaction times? Impaired vision? Problems with concentration? If there are physical problems she probably doesn't even realize it.
by cheese_breath
Tue Jul 28, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2622

Re: Can I reject a medical exam during insurance application without consequences?

I'm surprised this thread hasn't been locked by now. I think all OP's questions have been answered, and now we are debating permissible methods for deceiving insurance companies.
by cheese_breath
Tue Jul 28, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: A bit of gold?
Replies: 45
Views: 2171

Re: A bit of gold?

I doubt 2% is going to make that much difference one way or the other in your total portfolio.
by cheese_breath
Tue Jul 28, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2622

Re: Can I reject a medical exam during insurance application without consequences?

Seriously dude, you're lying upfront and already have plans to lie when you get caught. He's not actually lying if he doesn't know. I think the legal term for this is plausible deniability, remaining willfully ignorant so one doesn't have to lie. While this might work from a legal perspective, IMO ...
by cheese_breath
Tue Jul 28, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2622

Re: Can I reject a medical exam during insurance application without consequences?

Seriously dude, you're lying upfront and already have plans to lie when you get caught. He's not actually lying if he doesn't know. I think the legal term for this is plausible deniability, remaining willfully ignorant so one doesn't have to lie. While this might work from a legal perspective, IMO ...
by cheese_breath
Tue Jul 28, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2622

Re: Can I reject a medical exam during insurance application without consequences?

Maybe B and D are why insurance companies want medical exams. Would you buy a used car from someone who wouldn't let you check it out first?
by cheese_breath
Mon Jul 27, 2015 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2622

Re: Can I reject a medical exam during insurance application without consequences?

Why don't you just do a Google search for companies that sell insurance without a medical exam and only apply to them? But you can expect it to be more expensive than companies that require the exam because they take a greater risk by not knowing about your health.
by cheese_breath
Sun Jul 26, 2015 7:54 pm
Forum: Personal Consumer Issues
Topic: Durability of consumer goods
Replies: 43
Views: 2242

Re: Durability of consumer goods

5 years for tires would be fine for me but not for someone who puts a lot of miles on their vehicles.
by cheese_breath
Fri Jul 24, 2015 10:22 pm
Forum: Personal Consumer Issues
Topic: Name and address security [Shred mail received?]
Replies: 18
Views: 1316

Re: Name and address security [Shred mail received?]

It doesn't really matter who's right. Just shred them to keep the wife happy.
by cheese_breath
Thu Jul 23, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Do you take taxes into account when deciding your AA?
Replies: 6
Views: 720

Re: Do you take taxes into account when deciding your AA?

I've never even thought of that before so obviously my answer is "no". But now that you mentioned it my answer is still "no". Although you probably want to consider tax implications when deciding what to sell when rebalancing.
by cheese_breath
Thu Jul 23, 2015 12:57 pm
Forum: Investing - Theory, News & General
Topic: Gambling with Commodities
Replies: 15
Views: 1632

Re: Gambling with Commodities

Egg futures? :P

http://www.imdb.com/title/tt0641755/

To impress a girl, Dobie invests more than he should in his economics class project. He buys stock in an egg company and ends up with a room full of eggs.
by cheese_breath
Thu Jul 23, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1658

Re: House sale financial question.

What does the Borg think? The Borg think resistance is futile. More important, what does your brother think? Even though he's not in a position to execute the sale he's not mentally incapacitated is he? Can he keep up with the expenses while he's in prison? ps: My gut agrees with yours. It's only a...
by cheese_breath
Thu Jul 23, 2015 8:30 am
Forum: Personal Consumer Issues
Topic: Truck Stolen
Replies: 30
Views: 2927

Re: Truck Stolen

... but 93K on a 25 year old truck? Sorry if I'm skeptical. Not likely, but it is possible. I only have 80K on my 2000 Silverado due to extenuating circumstances. Wife hasn't driven for the past 12-13 years due to illness, leaving me with my truck and her car which we replaced by a new one in 2009....
by cheese_breath
Wed Jul 22, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Title Insurance for a new home?
Replies: 21
Views: 1649

Re: Title Insurance for a new home?

If you have a mortgage the lender will insist on it. If you own it outright and want to take the risk that something in the property's history could cause you to lose the whole thing, then no. The insurance for the lender has zero protection for the OP. He or she needs a separate title insurance po...
by cheese_breath
Wed Jul 22, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Title Insurance for a new home?
Replies: 21
Views: 1649

Re: Title Insurance for a new home?

If you have a mortgage the lender will insist on it. If you own it outright and want to take the risk that something in the property's history could cause you to lose the whole thing, then no.
by cheese_breath
Wed Jul 22, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals?
Replies: 41
Views: 4039

Re: What are your financial goals?

At 74 and retired my short term and long term goals are the same... to maintain sufficient financial resources to continue supporting my and wife's current lifestyle until check-out time.
by cheese_breath
Wed Jul 22, 2015 4:24 am
Forum: Investing - Help with Personal Investments
Topic: Huge Mistake, Bought PBYI, Now What?
Replies: 26
Views: 3428

Re: Huge Mistake, Bought PBYI, Now What?

I don't have any advice relative to what to do with this stock. My advice is remember you said this was your gambling money. When you gamble you can't expect to win every game. Sometimes you lose big time. Maybe this is one of those times.
by cheese_breath
Mon Jul 20, 2015 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 11032

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

My State exempts a large portion of Pension Income, I don't think Insurance Annuity Income would get the same favorable treatment. Depends on your state's rules and whether it's a qualified or non-qualified annuity. My Pru annuity created from my GM pension is qualified and exempt in MI. Your case ...
by cheese_breath
Mon Jul 20, 2015 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 11032

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

FiveDriver wrote:My State exempts a large portion of Pension Income, I don't think Insurance Annuity Income would get the same favorable treatment.

Depends on your state's rules and whether it's a qualified or non-qualified annuity. My Pru annuity created from my GM pension is qualified and exempt in MI.
by cheese_breath
Mon Jul 20, 2015 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Auto Div Reinvesting. Really so bad?
Replies: 33
Views: 3400

Re: Auto Div Reinvesting. Really so bad?

Lafder wrote:... and count on Vanguard to track the cost basis.

Good luck with that. As I've mentioned before, and I believe others have had similar experiences, I've had problems with Vanguard lumping multiple lots together and treating them as average cost basis even though my account is set up as spec ID.
by cheese_breath
Sun Jul 19, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Rx Savings Card - Too Good to Be True?
Replies: 23
Views: 1717

Re: Rx Savings Card - Too Good to Be True?

Are you on Medicare? A lot of these cards can't be used with Medicare prescription benefits. Read the fine print.
by cheese_breath
Sat Jul 18, 2015 2:27 pm
Forum: Personal Consumer Issues
Topic: Best Place to Buy Quality Bathroom Scale
Replies: 11
Views: 950

Re: Best Place to Buy Quality Bathroom Scale

How high quality do you want? How long do you expect it to last? What kind of features are you looking for? I buy the cheapos that only tell my weight, and am on my 3rd one since wife and I married 39 years ago.
by cheese_breath
Sat Jul 18, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Advisors
Replies: 12
Views: 1143

Re: Advisors

When I was (much) younger and married my second wife I 'inherited' 3 additional children. That was long before everyone had their own PCs, and software like TurboTax didn't exist. So I had a tax preparer do my taxes to insure wife and I were covered to claim the 'new three' as dependents rather than...
by cheese_breath
Fri Jul 17, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking guidance on how to sell my Car quickly ( in different a state)
Replies: 8
Views: 469

Re: Seeking guidance on how to sell my Car quickly ( in different a state)

njay73 wrote:.... 5) I have one friend....

And your one friend happens to live in CA? What a stroke of luck. :P
by cheese_breath
Fri Jul 17, 2015 9:10 am
Forum: Personal Finance (Not Investing)
Topic: After the Mortgage is Paid Off
Replies: 17
Views: 1527

Re: After the Mortgage is Paid Off

I was already retired when I paid off my mortgage, and the only change I made was to stop making mortgage payments.
by cheese_breath
Thu Jul 16, 2015 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Convert IRA to Roth While Working to Save on Taxes
Replies: 15
Views: 1125

Re: Convert IRA to Roth While Working to Save on Taxes

Your strategy is sound. I don't know if anybody is in the exact same situation, but many of us are in similar situations, converting to Roths early to avoid RMDs bumping us out of the 15% bracket. I'm in the RMD stage of my life now, and because I did conversions over many years I've moved enough ou...
by cheese_breath
Wed Jul 15, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Truck Stolen
Replies: 30
Views: 2927

Re: Truck Stolen

surfhb wrote:
I feel like Tom Hanks in Castaway when his volleyball goes floating away :)

You mean Wilson? I hope you didn't name your truck Brad. :)
by cheese_breath
Wed Jul 15, 2015 11:36 am
Forum: Personal Consumer Issues
Topic: HomeDepot hardwood flooring issue
Replies: 9
Views: 1089

Re: HomeDepot hardwood flooring issue

I'm not a big fan of HD, but they did agree to replace the bad wood. I don't think your suspicion that the replacement wood migh t be bad is reason enough to give you a refund. I doubt any retailer would agree to let you take your business somewhere else and them pay for it. You may have a valid com...
by cheese_breath
Wed Jul 15, 2015 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Employer 401k company change
Replies: 3
Views: 200

Re: Employer 401k company change

As johnubc noted, there are no tax consequences of changing the funds since they are in a 401K. I think you need to identify the funds you currently hold that don't have counterparts in the new plan and decide where you want to put that money.
by cheese_breath
Wed Jul 15, 2015 7:21 am
Forum: Personal Finance (Not Investing)
Topic: I have a dilemma? Should I provide a concession?
Replies: 20
Views: 2789

Re: I have a dilemma? Should I provide a concession?

How badly do you want to sell? Assuming the purchase contract with the buyers was signed before the damage they have the right to walk away if the condo isn't in the same condition as when it was signed. They're offering you a choice. Either restore the condo to it's condition when the contract was ...
by cheese_breath
Tue Jul 14, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: Do i need to save old credit reports?
Replies: 7
Views: 761

Re: Do i need to save old credit reports?

I assume you're referring to the 3-4 questions to verify it's you requesting the report? They've never asked me one I didn't know the answer to, but if you're having trouble remembering these things you need to have them written down somewhere. Might as well save the old reports.
by cheese_breath
Tue Jul 14, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: Issues with new flooring
Replies: 2
Views: 487

Re: Issues with new flooring

"user issue for not having appropriate shade" ??? I'm sorry. If this wasn't so pathetic it would be funny. That stuff sounds like crap, but I'm not sure what to do either.
by cheese_breath
Tue Jul 14, 2015 6:37 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4535

Re: Builder wants to put a retaining wall on my property

One thing I still don't know... OP, do you WANT a retaining wall, or are you happier with the way it is now? A free wall that you don't want is no bargain.
by cheese_breath
Tue Jul 14, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4535

Re: Builder wants to put a retaining wall on my property

What happens if you say NO? Can you be forced into it? If so, I agree with the easement approach, plus they pay for the wall, plus a significant amount more for your loss of view.
by cheese_breath
Tue Jul 14, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Truck Stolen
Replies: 30
Views: 2927

Re: Truck Stolen

... Has anyone here had this experience with a positive outcome? Namely in the So Cal region? I wonder if there are statistics available on stolen vehicle recovery? .... I can't speak to your problem, but Huntington Beach sparks a memory. I lived in Pomona and Claremont when I was in high school in...
by cheese_breath
Tue Jul 14, 2015 10:27 am
Forum: Investing - Theory, News & General
Topic: Shouldn't riskier stocks have better returns?
Replies: 20
Views: 1450

Re: Shouldn't riskier stocks have better returns?

Higher risk does not necessarily mean higher return. But rather, investors should demand higher return for investing in higher risk investments. Higher risk means that you may or may not see the higher return, and your chance of not seeing the higher return increases with the higher risk. Or possib...
by cheese_breath
Tue Jul 14, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4083

Re: Cost of Routine Dental Cleanings

miles monroe wrote:150. no xrays. i also decline the flouride rinse because i don't believe it is worth the $6 which is not covered by insurance. consider doing it at home if you believe in the benefits of flouride rather than 2x a year at the dentist.

Check your toothpaste. It probably has fluoride in it anyway.
by cheese_breath
Tue Jul 14, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 749

Re: IRS tax forms

BTDT wrote:Have you looked into TurboTax, or similar programs>

+1
by cheese_breath
Tue Jul 14, 2015 8:03 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4083

Re: Cost of Routine Dental Cleanings

In MI with DentalPlans.com it's $67 for cleaning and exam, $106 if you include bitewings. The dentist wasn't there my last cleaning, just the technician so there was no exam. It was $49.
by cheese_breath
Tue Jul 14, 2015 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 32
Views: 2749

Re: Lake Michigan Credit Union

Thanks all. Ally did a test transfer to verify my LMCU checking, and it worked perfectly. It also counted as a direct deposit as you said it would. So I just got off the Ally website after submitting a $15,200 transfer to start earning 3% with $200 more do do my debit cards.
by cheese_breath
Mon Jul 13, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: Airvoice starts call charge as soon you dial even before connecting..
Replies: 1
Views: 234

Re: Airvoice starts call charge as soon you dial even before connecting..

So that's the way they work. They don't care what the other carriers do. What are you going to do? Take it, or go away? I wouldn't waste my life trying to change them.
by cheese_breath
Mon Jul 13, 2015 7:56 am
Forum: Investing - Theory, News & General
Topic: If EU breaks up does that affect International stocks
Replies: 6
Views: 788

Re: If EU breaks up does that affect International stocks

Why do you think the EU might break up? Greece? Letting Greece go probably wouldn't have much more impact on the EU than letting Mississippi go would have on the U.S. It's all scare tactics.
by cheese_breath
Sun Jul 12, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: House Layout: Where to put Dining Table?
Replies: 23
Views: 1733

Re: House Layout: Where to put Dining Table?

We put our dining room table in the dining room, but we only use it on special occasions such as large dinners. Do you entertain much, and who do you entertain? Family and close friends would probably be OK, but it might not be appropriate to have some guests (like your boss for example?) having to ...
by cheese_breath
Sat Jul 11, 2015 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: An email to my employer I almost sent, but then deleted
Replies: 26
Views: 3992

Re: An email to my employer I almost sent, but then deleted

I think when sending messages to people above one in the organizational food chain a little more tact might be in order.
by cheese_breath
Sat Jul 11, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house to my friend
Replies: 3
Views: 444

Re: Selling house to my friend

Assuming you haven't signed with an agent yet and aren't obligated to pay any commissions I'd might go half of what the commission would have been if you'd used an agent. Seems like a win for the seller and a win for the buyer.

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