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Re: Cost to replace a side view mirror

And after you have the part here's a video on how to install it. (Note: I only watched about the first minute since I don't have a Camry.)

https://www.youtube.com/watch?v=SH7JwZ-27ww
by cheese_breath
Sun Apr 26, 2015 9:14 am
 
Forum: Personal Consumer Issues
Topic: Cost to replace a side view mirror
Replies: 9
Views: 219

Re: Spendy spouse

I agree with both the professor and the tomato. How's that for a whacky answer. :wink: That's a pretty whacky answer, but my favorite was a thread a while ago that you participated in, where the Mac and Cheese were disagreeing. That one got locked before I got to suggest some tomato slices with the...
by cheese_breath
Sun Apr 26, 2015 8:53 am
 
Forum: Personal Consumer Issues
Topic: Spendy spouse
Replies: 29
Views: 1293

Re: Spendy spouse

IMHO You need marital help, not financial advice and this is probably the worst place to get it. Yes, you need to work on your marriage. No, setting specific spending limits won't work, resentments will continue to increase for both of you, and asking about them here will get you some whacky answer...
by cheese_breath
Sun Apr 26, 2015 8:02 am
 
Forum: Personal Consumer Issues
Topic: Spendy spouse
Replies: 29
Views: 1293

Re: Marriage and splitting expenses

Professor Emeritus wrote:
cheese_breath wrote:Rugby??? Watch Australian Rules Football online instead. :P


Aussie rules exist so Aussies will have something to be good at.

Now hurling, there is a game !!

So long as we're referring to the Irish game and not the personal activity after drinking too much I agree with you on hurling.
by cheese_breath
Sun Apr 26, 2015 6:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6429

Re: does anyone have an hour commute (each way?)

I've had jobs which required long commutes and to me it depended on the character of the commute. I'd much rather spend an hour driving 70 miles on a freeway with good traffic flow than an hour driving 20 miles in stop and go traffic.
by cheese_breath
Sat Apr 25, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: [new position, facing an] hour commute (each way)
Replies: 36
Views: 1480

Re: Ethical

Professor Emeritus wrote:Since the managers know about it, it is hard to claim its an "ethical" violation. It is more of an intra-corporate power struggle....

I'm not sure managers having knowledge of this makes it ethical. More likely the managers are unethical too.
by cheese_breath
Sat Apr 25, 2015 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethical [Compensation based on sales]
Replies: 14
Views: 945

Re: Your experiences of high inflation periods

I was going to college in the late 70's and lived off the interest on a CD that was paying 17-18% interest! Were you living in another country? CD rates never reached that level in the U.S. Gill GM demand notes did. Those are unsecured notes, not CD's. Gill True. I wasn't suggesting they were, but ...
by cheese_breath
Sat Apr 25, 2015 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your experiences of high inflation periods
Replies: 53
Views: 1994

Re: Your experiences of high inflation periods

Gill wrote:
Skiffy wrote:I was going to college in the late 70's and lived off the interest on a CD that was paying 17-18% interest!

Were you living in another country? CD rates never reached that level in the U.S.
Gill

GM demand notes did.
by cheese_breath
Sat Apr 25, 2015 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your experiences of high inflation periods
Replies: 53
Views: 1994

Re: Can I have two Roth IRAs at Vanguard?

Setting it up was part of the Roth conversion process. You specified if you wanted to put the conversion into an existing Roth or create a new one. You couldn't do this sInce you're not converting anything, but it wouldn't surprise me if there's not some way to create and empty Roth on the website....
by cheese_breath
Sat Apr 25, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I have two Roth IRAs at Vanguard?
Replies: 8
Views: 721

Re: When to sell a mutual fund?

You don't. That's why we diversify over the whole market and different asset classes.
by cheese_breath
Sat Apr 25, 2015 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to sell a mutual fund?
Replies: 4
Views: 476

Re: Can I have two Roth IRAs at Vanguard?

Setting it up was part of the Roth conversion process. You specified if you wanted to put the conversion into an existing Roth or create a new one. You couldn't do this sInce you're not converting anything, but it wouldn't surprise me if there's not some way to create and empty Roth on the website. ...
by cheese_breath
Sat Apr 25, 2015 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I have two Roth IRAs at Vanguard?
Replies: 8
Views: 721

Re: Can I have two Roth IRAs at Vanguard?

Yes. I had three at one time. I wanted to keep some Roth conversions separate to make it easier to recharacterize them if needed. Later on I merged them all into one.
by cheese_breath
Sat Apr 25, 2015 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I have two Roth IRAs at Vanguard?
Replies: 8
Views: 721

Re: Your experiences of high inflation periods

Graduated from college in 1964 and lived through it all. It may sound scary in retrospect, but even though prices were skyrocketing so was my paycheck. Instead of the 2% or 3% raises they give today I was getting 15%-20% increases. Fortunately I was in data processing (what we called IT back in thos...
by cheese_breath
Sat Apr 25, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your experiences of high inflation periods
Replies: 53
Views: 1994

Re: Marriage and splitting expenses

5. Since you're married and (hopefully) joined for life you pool your incomes and pay everything from the $210K pot. It's no longer my money and spouse's money. It's our money. Yes, I agree with this except it much easier if both spouses don't have account constantly to the other re personal type e...
by cheese_breath
Sat Apr 25, 2015 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6429

Re: Co-sign on spouse's student loans?

Family can have multiple definitions depending on the context. Within the scope of this thread family is appropriate. Well for that matter so can roommates so your juxtaposition of the two was largely unhelpful. Anyway as can be seen in this thread, whether or not someone should take on additional ...
by cheese_breath
Sat Apr 25, 2015 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 36
Views: 1901

Re: Retiring August 31, Company terminating pension plan

Another data point -- my pension has been paid to me monthly in the form of an annuity from Prudential since I retired 10 years ago. Thankfully I had no lump sum option or I might have been tempted to take it. However, PBGC still lists my employer as eligible for coverage. It's a nonprofit funded m...
by cheese_breath
Sat Apr 25, 2015 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 16
Views: 2353

Re: Retiring August 31, Company terminating pension plan

The company may certainly buy an annuity that will pay you your expected benefits, and you do not have a choice about accepting it, unless you want a lump sum and they are offering it. HOWEVER, this does not let the company off the hook with respect to your pension. Your employment contract was wit...
by cheese_breath
Sat Apr 25, 2015 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 16
Views: 2353

Re: taking break from computer use - to avoid back pain

Is there an easy way to raise your workstation so you can occasionally work standing up?
by cheese_breath
Sat Apr 25, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 512

Re: Co-sign on spouse's student loans?

I think not. It's about family vs. roommates. Even though you retracted it, I'll just note that your comment wasn't particularly helpful. Children, parents and siblings are family not roommates and we routinely counsel against cosigning for loans for them. The comment was within the context of a sp...
by cheese_breath
Sat Apr 25, 2015 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 36
Views: 1901

Re: Co-sign on spouse's student loans?

I think not. It's about family vs. roommates. Even though you retracted it, I'll just note that your comment wasn't particularly helpful. Children, parents and siblings are family not roommates and we routinely counsel against cosigning for loans for them. The comment was within the context of a sp...
by cheese_breath
Sat Apr 25, 2015 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 36
Views: 1901

Re: Loaning $$ [to a friend]

pinhead wrote:I didnt loan money to a very close friend and now our relationship is destroyed too.
Sigh. Such is human nature

If the friendship was destroyed because you didn't loan the person money, then (s)he wasn't a very close friend.
by cheese_breath
Sat Apr 25, 2015 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Loaning $$ [to a friend]
Replies: 20
Views: 1434

Re: Retiring August 31, Company terminating pension plan

... I can control my retirement date and am thinking about delaying it until I get a clear picture of the whole situation. I'm leaning toward the monthly payment, if, and a BIG IF, the insurance in in excellent financial shape... I suppose it couldn't hurt to hang around a few more months if it mad...
by cheese_breath
Sat Apr 25, 2015 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 16
Views: 2353

Re: Loaning $$ [to a friend]

... What I failed to mention was that this person has always repaid her loans to me in the past... Obviously we don't know this person, but be aware scammers will frequently accept several small loans from innocent victims and pay each one back in order to build trust before going for the big one t...
by cheese_breath
Sat Apr 25, 2015 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Loaning $$ [to a friend]
Replies: 20
Views: 1434

Re: Giving Vanguard VTSMX as a Wedding Gift

... This forum is a great resource for information when people don't get too uptight :happy Aw c'mon. Getting uptight is half the fun. :wink: Seriously though, sometimes some of us may offer counter suggestions and opinions to raise points the poster may not have considered. And yes sometimes we mi...
by cheese_breath
Sat Apr 25, 2015 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2428

Re: Retiring August 31, Company terminating pension plan

I guess you can start with the four ratings agencies... A.M. Best, Fitch, Moody’s and Standard & Poor’s.
by cheese_breath
Sat Apr 25, 2015 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 16
Views: 2353

Re: deadbeat in group

You can't control management, and you can't control the deadbeat. If you can't live with that it's time to look for another job.
by cheese_breath
Fri Apr 24, 2015 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: deadbeat in group
Replies: 7
Views: 2136

Re: Giving Vanguard VTSMX as a Wedding Gift

She... "Gee honey, look at all the wonderful wedding gifts. I wonder what's in this envelope. Maybe it's a nice big check so I can buy something really special to wear on our honeymoon." He... "I'll open it and see... (pause)... It's stock certificates." She... " (censored)...
by cheese_breath
Fri Apr 24, 2015 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2428

Re: Loaning $$

John3754 wrote:
Gbean wrote:Any ideas?


Yes, don't do it.

+1 Double that. There's a good possibility it won't end well for you.
by cheese_breath
Fri Apr 24, 2015 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loaning $$ [to a friend]
Replies: 20
Views: 1434

Re: Retiring August 31, Company terminating pension plan

Gleops2 wrote:If you start to collect the pension in 2015, I don't think that means in 2016 you'd have to take an insurance company annuity.....

Not necessarily. I was already collecting my GM pension when they terminated the plan, and that included current retirees.
by cheese_breath
Fri Apr 24, 2015 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 16
Views: 2353

Re: Retiring August 31, Company terminating pension plan

I faced the same situation as a GM retiree. In my case GM gave me a personalized letter offering several choices including lump sum and three different annuity options. I chose the annuity providing the same benefits and payments as my GM pension. Certainly the insurance company they choose could ha...
by cheese_breath
Fri Apr 24, 2015 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 16
Views: 2353

Re: dollar cost averaging

I don't think there is any ideal unless you're contributing from your employment income. Then it's every paycheck.
by cheese_breath
Fri Apr 24, 2015 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 17
Views: 865

Re: Giving Vanguard VTSMX as a Wedding Gift

She... "Gee honey, look at all the wonderful wedding gifts. I wonder what's in this envelope. Maybe it's a nice big check so I can buy something really special to wear on our honeymoon." He... "I'll open it and see... (pause)... It's stock certificates." She... " (censored) ...
by cheese_breath
Fri Apr 24, 2015 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2428

Re: Marriage and splitting expenses

87 Posts - not one comment or response from the OP. Any wonder? :twisted: OP has responded twice. Yes, early on in the posting, nothing since yesterday at 12:41am. Agreed! Your response was #88 on the thread, so I wondered if you had missed his responses. Maybe a) he is in agreement with the majori...
by cheese_breath
Fri Apr 24, 2015 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6429

Re: Giving Vanguard VTSMX as a Wedding Gift

You have got to be kidding. Only if it's on the wedding registry. I can't think of a more impersonal gift. Whether it's personal or impersonal depends on the recipient. However, given that the recipient doesn't have a Vanguard account It's probably not a good fit (though the recipient could be inve...
by cheese_breath
Fri Apr 24, 2015 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2428

Re: Advise For Buying A House From A Big-Box Builder

I'm not familiar with the term big-box-builder, but I'm guessing you're referring to someone who is building a whole subdivision. Typically they will offer a few standard house designs with some standard upgrade options. They are able to offer such good prices because everything is standardized incl...
by cheese_breath
Thu Apr 23, 2015 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice For Buying A House From A Big-Box Builder
Replies: 9
Views: 1385

Re: Co-sign on spouse's student loans?

Maybe you should read this thread... https://www.bogleheads.org/forum/viewtopic.php?f=2&t=164281&newpost=2467780 That thread talks more about assets than debt. How to treat income and whatnot. When neither spouse is in debt, pooling income seems like a no-brainer to me. But pooling debt is ...
by cheese_breath
Thu Apr 23, 2015 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 36
Views: 1901

Re: Co-sign on spouse's student loans?

Maybe you should read this thread... https://www.bogleheads.org/forum/viewtopic.php?f=2&t=164281&newpost=2467780 That thread talks more about assets than debt. How to treat income and whatnot. When neither spouse is in debt, pooling income seems like a no-brainer to me. But pooling debt is ...
by cheese_breath
Thu Apr 23, 2015 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 36
Views: 1901

Re: What is a Boglehead?

Thrifty dedicated investor.
by cheese_breath
Thu Apr 23, 2015 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 50
Views: 2196

Re: Marriage and splitting expenses

mptfan wrote:
lowerleisureclass wrote:We have separate bank/brokerage/business/IRA/401K accounts...

You really don't have a choice when it comes to IRA and 401k accounts, there are no such things as joint IRAs or joint 401ks.

But you should be naming each other as primary beneficiaries unless you both agree on someone else.
by cheese_breath
Thu Apr 23, 2015 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6429

Re: Should I paint the house next door?

A couple of years ago I was hired by my co-worker (who does landscaping on the side) to paint a house. I assumed that the owner of this house was the one who asked for this to be done, but I found out later that I was actually painting my co-worker's next-door-neighbor's house (unbeknownst to the n...
by cheese_breath
Thu Apr 23, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I paint the house next door?
Replies: 17
Views: 2228

Re: Marriage and splitting expenses

... And how does this "my money" and "your money'" work with a stay at home parent, or one spouse/partner working very part time... Maybe (s)he should unionize and strike for better benefits. It does seem to be a business arrangement rather than a partnership after all. Hmmm.......
by cheese_breath
Thu Apr 23, 2015 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6429

Re: Is this a reasonable request for broker?

Unless he's part of a big brokerage firm that has it's own IT people I suspect it would be as difficult for him as it is for you. But you're the client so I don't see how it could hurt to ask. How big is your account? The more you have invested with him the more likely he is to put in the extra effo...
by cheese_breath
Thu Apr 23, 2015 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1099

Re: Marriage and splitting expenses

ResearchMed wrote:... And how does this "my money" and "your money'" work with a stay at home parent, or one spouse/partner working very part time...

Maybe (s)he should unionize and strike for better benefits. It does seem to be a business arrangement rather than a partnership after all.
by cheese_breath
Thu Apr 23, 2015 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6429

Re: Giving Vanguard VTSMX as a Wedding Gift

alpenglow wrote:I had BRK.A on my registry, but it didn't pan out.

Too expensive. You should have asked for a toaster. :D
by cheese_breath
Thu Apr 23, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2428

Re: Giving Vanguard VTSMX as a Wedding Gift

You have got to be kidding. Only if it's on the wedding registry. I can't think of a more impersonal gift. A do it yourself prenuptial agreement guide might be more impersonal. :D But hopefully you'd give this before the wedding (maybe at the wedding shower?) so it's not technically a wedding gift....
by cheese_breath
Thu Apr 23, 2015 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2428

Re: Marriage and splitting expenses

Trying not to be offended by the comments that if people don't wallow in the same bank account they are headed for divorce court. I suspect the wallowers are young, or got married young. Those of us who prefer some independence, I suspect, have seen more, learned some. The only one here with an off...
by cheese_breath
Thu Apr 23, 2015 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6429

Re: Marriage and splitting expenses

Trying not to be offended by the comments that if people don't wallow in the same bank account they are headed for divorce court. I suspect the wallowers are young, or got married young. Those of us who prefer some independence, I suspect, have seen more, learned some. 74 year old wallower here wit...
by cheese_breath
Thu Apr 23, 2015 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6429

Re: cleaning plastic eyeglass lenses

For a quick dusting I'll just use a soft cotton cloth. But for smudges I use Zeiss wipes I get at Walmart.
by cheese_breath
Thu Apr 23, 2015 8:48 am
 
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1420

Re: Marriage and splitting expenses

.... We both do basically whatever we want. None of this "checking in" nonsense. I cringe when I see these "I need to check with my spouse" posts; who the heck wants to live like that? .... It's not about asking permission. It's about courtesy and showing respect to your spouse....
by cheese_breath
Thu Apr 23, 2015 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6429
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