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Re: Giving back, charity, and similar

Church
Salvation Army
Wheels for the World (Joni and Friends ministry to provide wheelchairs to handicapped)
Annette Funicello Research Fund (MS research)
by cheese_breath
Thu Aug 21, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Giving back, charity, and similar
Replies: 16
Views: 1032

Re: Using Credit Card to Pay Off Student Loans

Exactly how much in interest will you save in 5 months? I would want to calculate that before I did it. In a perfect world assuming you are able to pay it off before the 0% APR expires any savings greater than zero would seem to be a good deal. But you don't want to stretch your budget to the limit...
by cheese_breath
Thu Aug 21, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Credit Card to Pay Off Student Loans
Replies: 24
Views: 978

Re: POLL: Age for Collecting Social Security Benefits

If you're concerned only about the breakeven point, you should study the second chart at the link below. A breakeven point is only a single moment in time--the time at which things start going the other way rapidly. The second chart at this link is for filing at 62 instead of 66, and it uses a PIA ...
by cheese_breath
Wed Aug 20, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 63
Views: 3606

Re: POLL: Age for Collecting Social Security Benefits

If you're concerned only about the breakeven point, you should study the second chart at the link below. A breakeven point is only a single moment in time--the time at which things start going the other way rapidly. The second chart at this link is for filing at 62 instead of 66, and it uses a PIA ...
by cheese_breath
Wed Aug 20, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 63
Views: 3606

Re: POLL: Age for Collecting Social Security Benefits

Sixty two. No sure thing I'll live to the break even point, and I'd like to conserve as much of my investments as possible to pass on to my children if I don't. That seems kind of backwards to me. The easiest path to shrinking the legacy you leave is to live a really long time without adequate inco...
by cheese_breath
Wed Aug 20, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 63
Views: 3606

Re: POLL: Age for Collecting Social Security Benefits

Sixty two. No sure thing I'll live to the break even point, and I'd like to conserve as much of my investments as possible to pass on to my children if I don't. Also (yes I gave in to the rumors) there was a lot of talk in Washington about changing the SS system at that time, and I wanted to be sure...
by cheese_breath
Wed Aug 20, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 63
Views: 3606

Re: Your biggest "Missed Money" event that still kills you?

Delaying my participation in TIAA-CREF. When I joined the University I was given the choice of signing up for TIAA-CREF immediately or waiting two years. I decided to wait two years and use my money for immediate gratification instead. Turns out the balance from the eight years I did participate has...
by cheese_breath
Wed Aug 20, 2014 1:33 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 96
Views: 6741

Re: 20 Year Old With 70k to Invest

Yes it's too much to expect, at least over the short term. Even though stocks are excellent over the long term they can be quite volatile for the short term. You might earn 30% one year and lose 30% the next.
by cheese_breath
Mon Aug 18, 2014 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old With 70k to Invest
Replies: 49
Views: 2362

Re: Options on Watching NFL Games

The NFL season is right around the corner, I would like the option of watching whatever games I want to and not be restricted to local programming. We currently have Comcast and I am pretty sure they do not offer the NFL package. Are there any other options for watching pro games on TV or even a mo...
by cheese_breath
Sun Aug 17, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: Options on Watching NFL Games
Replies: 22
Views: 1570

Re: Tracking Down Pension Info.

Mid 1970s to 1980.. I would be surprised if he has anything coming. Many companies had ten year vesting periods on their pensions way back then. But who knows? Maybe if you gave us the name of the company someone on the board might know something about it.
by cheese_breath
Sun Aug 17, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 16
Views: 1128

Re: Ortho/Dental Forced Financing Dilema

The terms should be specified in the contract, so instead of guessing what they might be go read the contract. After you have this information maybe we can give you better feedback. I don't think the ACH requirement is unrealistic. They've probably had some payment deadbeats in the past and want to ...
by cheese_breath
Sat Aug 16, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Ortho/Dental Forced Financing Dilema
Replies: 5
Views: 775

Re: SS question

Thanks much.
by cheese_breath
Sat Aug 16, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1329

Re: Vanguard Agent Authorization

Obviously they trust your wife more than they trust you. Hmmmm.
by cheese_breath
Sat Aug 16, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 36
Views: 2160

Re: Who sells fresh coffee that is not as strong as Starbuck

... I like Peet's Coffee... They opened some Peet's in the former Caribous near us. I only tried it once and didn't like it. I probably should have given it more than one chance. Now they've closed all the Pete's they just opened in the old Caribous less than a year ago. There used to be a Biggby a...
by cheese_breath
Sat Aug 16, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2232

Re: SS question

dickenjb wrote:
It is not "if" I die but "when"

As in "When I die, if she survives me, she can draw the benefit I currently receive".

Or, "If I die before my wife...."


Stop. You're killing me. OK, "when I die", but not today please. :wink:
by cheese_breath
Sat Aug 16, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1329

Re: Moving after retirement.

Not everyone moves when they retire. I didn't. You present a pretty compelling case for staying where you are if you can afford it. And if you can't afford to stay where you are all those reasons you give for not moving are Irrelevant.
by cheese_breath
Sat Aug 16, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 3560

Re: SS question

So just to make sure I understand this right.... ... I took my SS at age 62. ... My wife isn't eligible for SS on her own. She took spousal benefit based on my earnings at age 62. ... We are both past FRA now. So if I die she can stop the spousal benefit and begin receiving what I currently receive ...
by cheese_breath
Sat Aug 16, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1329

Re: How to value house with unwanted tennis court

JonnyDVM wrote:You could also turn it into a basketball court, but it doesn't sound like that would be a palatable option for you.

Or you could turn it into a huge patio with a big fire pit at one end, but that's probably not you either.
by cheese_breath
Sat Aug 16, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2103

Re: How to value house with unwanted tennis court

celia wrote:Suppose it was an overgrown tangle of weeds (or something else that was not wanted) instead of a tennis court.

I don't think there's any comparison between plowing up a tangle of weeds and removing a hard surface tennis court and disposing of it.
by cheese_breath
Fri Aug 15, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2103

Re: Good place to park ~$500k for house remodel/teardown?

perfin wrote:.... it seems like a waste to keep in a savings account or CD & only get 1%.

..... I realize the funds could lose value. But short of some massive event, I don't see them dropping more than 10%. (I'd be okay with that.....

So you'd be OK with losing 10%, but not OK with earning 1% ???
by cheese_breath
Fri Aug 15, 2014 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good place to park ~$500k for house remodel/teardown?
Replies: 17
Views: 2426

Re: How to value house with unwanted tennis court

Removal of fencing will add to the cost
Also are there any trees that might have to be removed? If I ever had a problem like that they'd have to remove trees next to my house to get to the back yard.
by cheese_breath
Fri Aug 15, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2103

Re: Who sells fresh coffee that is not as strong as Starbuck

rec7 wrote:Other than McDonald's who has the cheapest coffee when a person is traveling.

Burger King. If you're old enough senior coffees are free. And they're worth every cent.
by cheese_breath
Fri Aug 15, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2232

Re: Who sells fresh coffee that is not as strong as Starbuck

thedayisbrave wrote:... Dunkin is good. I'm a huge fan of Caribou Coffee...

Dunkin's not bad (unlike their donuts). But the closest one to me is 10 miles from home. Caribou was my favorite but they closed almost all of them in MI, and now the closest to me is about 50 miles away at the airport.
by cheese_breath
Fri Aug 15, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2232

Re: The (un)freshness of Starbucks bakery products

... My former roommate used to be a part-time baker at Panera and she said they started baking in the wee hours of the morning (she went to work at 3 AM) to get their pastries ready for the morning crowd and that's how it should be done... And they're still good the next day. Our local Panera gives...
by cheese_breath
Fri Aug 15, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4379

Re: The (un)freshness of Starbucks bakery products

My complaint about our local Panara is in between meal times they let the coffee sit for hours. They'll brew more if you ask, but I'd prefer not having to wait long for fresh coffee.
by cheese_breath
Thu Aug 14, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4379

Re: The (un)freshness of Starbucks bakery products

I'll get coffee at Starbucks, but for pastry I go to the local independent donut shop. Fresh baked on site every morning.
by cheese_breath
Thu Aug 14, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4379

Re: When did you downsize?

sdsailing wrote:We are collectors...

That's what my wife said. And, boy has she collected. :(
by cheese_breath
Thu Aug 14, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3236

Re: How important is my insurance agent?

Weird. I've never had an agent. What does he do that can't be done by phone? Maybe I've been spoiled by USAA. If want to go into Canada and don't have a Canadian proof of insurance for your car your local agent can make one for you, and you swing by his office to pick it up on your way to the bridg...
by cheese_breath
Thu Aug 14, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2088

Re: When did you downsize?

Didn't. Wife just started buying stuff to fill up the empty space.
by cheese_breath
Thu Aug 14, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3236

Re: How important is my insurance agent?

Weird. I've never had an agent. What does he do that can't be done by phone? Maybe I've been spoiled by USAA. If want to go into Canada and don't have a Canadian proof of insurance for your car your local agent can make one for you, and you swing by his office to pick it up on your way to the bridg...
by cheese_breath
Thu Aug 14, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2088

Re: I don't have enough cash for index funds

First, don't choose just any index fund because you can get into it for $2,500. Determine the right index fund for you and then build up the required minimum balance in a FDIC insured bank account. Then contribute it into your Roth. You can get a little higher interest rate at an online bank, but fo...
by cheese_breath
Thu Aug 14, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 3567

Re: Selling Stock for Down Payment on a House

I don’t know where you came up with $53 per share, because it looks like PG price ranged from the mid to high $40’s in Sept. ’93. You need to find out what the share price was on the day you inherited the stock. But for sake of argument let’s assume it was $53. Then when you inherited it your cost b...
by cheese_breath
Wed Aug 13, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling Stock for Down Payment on a House
Replies: 5
Views: 525

Re: Robin Williams

In spite of all his great movies I still liked Mork and Mindy best.
by cheese_breath
Wed Aug 13, 2014 12:27 am
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4614

Re: Dealership wants to buyback my car

Unless you want to buy a new car ignore this. Even then you can probably get more selling your used one yourself than the dealer will give you on trade in.
by cheese_breath
Mon Aug 11, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 3371

Re: Chosing which company to analyze?

But i have another question how then do people develop large fortunes largely based on stock investments? i assume mutual funds chose mostly the same stocks for all of their clients, don't they all then make just about the same interest? In order to make a lot in the stock market you also need to i...
by cheese_breath
Mon Aug 11, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Chosing which company to analyze?
Replies: 25
Views: 1218

Re: Chosing which company to analyze?

Ok from what ive understood so far when investing in a mutual fund your share depends on your contribution and the way the fund earns money is by also getting a share if their investments for you is successfull. am i correct? Yes, but there are managed funds and there are index funds. With managed ...
by cheese_breath
Mon Aug 11, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Chosing which company to analyze?
Replies: 25
Views: 1218

Re: How important is my insurance agent?

When I was looking to switch my auto and homeowners insurance a couple years ago I received an Email from a SF agent wanting to give me a quote. As soon as he learned my wife had life insurance through another SF agent he said SF agents don't encroach on other agents' clients. BTW I didn't go with S...
by cheese_breath
Mon Aug 11, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2088

Re: Chosing which company to analyze?

I'm trying to teach myself how to invest intelligently and i'm a simple person who likes to do things in a simple chronological order.... I'm a simple person who likes to do things simply too. That's why I only invest my equities in broad based index funds such as S&P 500 and Total Stock Market...
by cheese_breath
Mon Aug 11, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Chosing which company to analyze?
Replies: 25
Views: 1218

Re: Most Hated Brokerage Firm?

Fido. After the hassle they gave me rolling my GM 401K over to a non-Fidelity IRA I'll never do business with them.
by cheese_breath
Sun Aug 10, 2014 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7151

Re: Where do you buy clothes?

Walmart for jeans, underwear, and the like. Occasionally something a little nicer at Kohls on senior discount day, but that's mostly il. Being retired I don't have to cater to fashion whims and can get a lot of mileage out of old clothes. When they too ratty they become work clothes for painting, wo...
by cheese_breath
Sun Aug 10, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8785

Re: More Tax Loss Harvesting Questions

2. I have VTSAX (Vanguard Total Stock Index) and a tax-exempt bond fund in my Taxable account. I have an S&P500 fund and a bond fund in my Tax Deferred account. Let’s say I want to sell $5k of VTSAX in order to TLH. I don’t want to stay out of the market, but also don’t want to purchase another...
by cheese_breath
Sat Aug 09, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: More Tax Loss Harvesting Questions
Replies: 11
Views: 744

Re: Your Favorite charity organization...? please

You already named my favorite... Salvation Army.
by cheese_breath
Fri Aug 08, 2014 8:50 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4088

Re: Legality of sending personal information via email

dodecahedron wrote:
cheese_breath wrote:I guess if the IRS can do it, why can't your lawyer?


The IRS does not do this. The efile acknowledgement system does not work via email but rather by secure encrypted portals.

Oops. My bad. I missed that it was an email. I was thinking USPS mail.

That changes my comment a lot.
by cheese_breath
Thu Aug 07, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Legality of sending personal information via email
Replies: 38
Views: 1986

Re: Legality of sending personal information via email

I guess if the IRS can do it, why can't your lawyer?
by cheese_breath
Thu Aug 07, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Legality of sending personal information via email
Replies: 38
Views: 1986

Re: What do you think? Medical Coverage Cost / Coercion ?

I'm for it. 8-) Why should I should I pay for emergency care for someone else when that care could have been detected and treated in routine-annual exams. Why should I pay for my coworkers poor lifestyle habits? Does anyone think that the extra premium that tobacco users pay, pays for the entire ri...
by cheese_breath
Thu Aug 07, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1764

Re: December RMD Withdrawal Timing Question

Generally I'm in the do it early group. I have my Vanguard RMD (all stock) performed on Jan 2nd. RMDs are taxed as normal income, and there's no way you could do any worse tax-wise if you reinvest the RMD in the same funds in a taxable account. And if you have LTCG and/or qualified dividends you sho...
by cheese_breath
Thu Aug 07, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1415

Re: [If over 50] Do you prepare for long term care

This poll is designed to look at how people prepare for long term care Medicare is a typo for medicaid Good you brought this to our attention because Medicare " does not pay the largest part of long-term care services or personal care " (from referenced link below) http://longtermcare.gov...
by cheese_breath
Thu Aug 07, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2073

Re: How Often to Look for Rebalancing Opportunities?

I update my financial planning spreadsheet with my new account balances first day of each month. I rebalance if the numbers show I'm out of my AA bands, otherwise I don't.
by cheese_breath
Thu Aug 07, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: How Often to Look for Rebalancing Opportunities?
Replies: 20
Views: 1041

Re: Confused about conflicting information

1) ... Yes conversions before 59 1/2 will cost you not only taxes on the ordinary income but a 10% penalty ... I can't speak for 401Ks, but this is not true for IRAs. if under 59 1/2 you still pay taxes on the conversion, but not an early withdrawal penalty. The one exception is if you use part of ...
by cheese_breath
Thu Aug 07, 2014 1:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Confused about conflicting information
Replies: 6
Views: 605

Re: Best way to handle estimated taxes on unequal income?

Turbo Tax worked just fine for me when I had unequal income a couple years ago. I decided to do an extra Roth conversion in December of that year. Good thing too 'cause I never could figure out the form myself if I had to do it manually.
by cheese_breath
Thu Aug 07, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to handle estimated taxes on unequal income?
Replies: 24
Views: 1364
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