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Re: You may be getting charged rent for a router/modem you o

Reminds me of the film serials I used to see at the movies every Saturday when I was a kid in the '50s. Anxiously awaiting the next chapter. :twisted:
by cheese_breath
Mon Oct 20, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 23
Views: 2285

Re: Best place (with warm weather) to raise children

Claremont, CA is surrounded by Oakland, CA. Claremont is nowhere near Oakland. It's east of LA. Pretty sure this person is referring to a neighborhood in Oakland. It is nice and borders Berkeley (and has a nice resort). They pretend they are separate from Oakland, hence the confusion. He doesn't kn...
by cheese_breath
Sun Oct 19, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 63
Views: 3561

Re: Best place (with warm weather) to raise children

caroljm36 wrote:
cheese_breath wrote:
cannondale wrote:Claremont, CA is surrounded by Oakland, CA.

Claremont is nowhere near Oakland. It's east of LA.


Lots of gangs out that way now too.

Claremont's fine. Just stay out of Pomona.
by cheese_breath
Sun Oct 19, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 63
Views: 3561

Re: POLL: How fulfilling is your retirement?

DW was suddenly disabled. I retired to be her full time caretaker . Is it fulfilling YES. Do I struggle YES. The poll seem slanted in favor of the able bodied/non disabled who have free choices. My position is similar. I retired early because of an ill spouse. (Actually, this gave me an unfortunate...
by cheese_breath
Sun Oct 19, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 24
Views: 1717

Re: POLL: How fulfilling is your retirement?

I think when some talk about fulfilling retirements they're thinking of doing new things in retirement they weren't able to do before. I think there's another view too, not having to do things you had to do before. I tend to take the latter. I had no grand visions of new adventures in retirement, bu...
by cheese_breath
Sun Oct 19, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 24
Views: 1717

Re: Health care tilt

I'm not a physician, and I don't play one on TV. But there have been many times since the '90s when I've heard 'experts' recommending health care as the place to invest, but it didn't pan out. Maybe you're right this time, but I'll stick with my TSM index fund.
by cheese_breath
Sat Oct 18, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 49
Views: 2213

Re: What tax software do you use and why

I use TT. I used Tax Cut for a couple years, but it didn't handle my property tax refund correctly and I had to manually override it every year. So I switched. Each program has it's own learning curve, and I'm just too lazy to learn another one when TT does the job. Admittedly that's a pretty lame r...
by cheese_breath
Sat Oct 18, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 44
Views: 1847

Re: problem when sign up Vanguard roth IRA for my sister

I would change the settings on my laptop so it doesn't update automatically in the future. You can set it so it informs you when updates are available, and then you can choose when to process them later.
by cheese_breath
Fri Oct 17, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: problem when sign up Vanguard roth IRA for my sister
Replies: 6
Views: 568

Re: Market Slide Percentages?

I don't know about the last six days, but at the start of the month I was... 32.10% equities 67.90% fixed income As of this posting I am... 30.93% equities 69.07% fixed income Overall down 1.58% since Oct. 1 I'm really tempted to throw some more into equities in the hope the market will recover (mar...
by cheese_breath
Fri Oct 17, 2014 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1846

Re: Best place (with warm weather) to raise children

cannondale wrote:Claremont, CA is surrounded by Oakland, CA.

Claremont is nowhere near Oakland. It's east of LA.
by cheese_breath
Thu Oct 16, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 63
Views: 3561

Re: Meaning of Important note included in Medicare part D pl

Or the doctor's staff screws up. The script never gets sent in or sent to the wrong place, you're waiting for your refill, and you have to scramble to get another script to take to the drug store.

Don't say get another doctor, 'cause my wife has made It clear she's not switching
by cheese_breath
Thu Oct 16, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 24
Views: 1517

Re: Filing complaint against a mortgage lender

Send letters to your state's regulatory board and attorney general.
by cheese_breath
Wed Oct 15, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Filing complaint against a mortgage lender
Replies: 12
Views: 1136

Re: Most "efficient" order to see multiple physicians?

With Medicare and a medigap plan that covers part B coinsurance and deductible it makes no difference from a financial standpoint because I don't pay anything.
by cheese_breath
Wed Oct 15, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Most "efficient" order to see multiple physicians?
Replies: 4
Views: 814

Re: Your personal risk level: Got your flu shot yet?

Got mine last week when I was in for my cholesterol test. They don't always help, but they've never hurt me.
by cheese_breath
Wed Oct 15, 2014 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2934

Re: Index usage error in Mortgage Document.

LongerPrimer wrote:This carp needs to end.

Yes. There's definitely something fishy going on here.
by cheese_breath
Wed Oct 15, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Index usage error in Mortgage Document.
Replies: 13
Views: 727

Re: Owning property jointly with family member

Is he in agreement with this? The first base to cover is to reach an agreement you both can live with. If you can't do this all the standard language in the world is useless unless you want to fight it out in court.
by cheese_breath
Wed Oct 15, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Owning property jointly with family member
Replies: 15
Views: 1162

Re: Meaning of Important note included in Medicare part D pl

I just learned yesterday on a call to United American that Medicare.gov lists Walmart as a preferred pharmacy when it is not. CVS is the preferred pharmacy and has the lowest prices. In my case CVS is 25 miles away where as Walmart is 2.5 miles. They said Medicare is to correct this error but did n...
by cheese_breath
Wed Oct 15, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 24
Views: 1517

Re: Clothes Dryer drying very slowly

I used to have a plastic dryer vent hose that was about 10 feet long.I would take a leaf blower every six months a clean it out.That solved the slow drying issue for us. :happy Glad you said "used to have" because plastic hoses can catch fire. Dryer vent pipes should always be metal. disc...
by cheese_breath
Wed Oct 15, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 1926

Re: Meaning of Important note included in Medicare part D pl

In my zip there are 26 diff. Part D plans offered. I don't recall seeing anything called United American Essential but could be mistaken. I am in a very rural area so we don't even get the luxury of getting any good MA plans, either. No Kaiser, no Humana, just a Brand X that I understand ( when I l...
by cheese_breath
Wed Oct 15, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 24
Views: 1517

Re: Meaning of Important note included in Medicare part D pl

Thanks. That's what I kinda figured on. Easiest thing for me to do is just stroll up to my local Walgreen's and verify they are on board for Humana Walmart Rx. Then call Humana and just ask if they can give me an idea of how much more I would pay. Percentage-wise. Since I have no long list of maint...
by cheese_breath
Wed Oct 15, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 24
Views: 1517

Re: Meaning of Important note included in Medicare part D pl

Where I live, and probably where you live too, it seems all the drugstore chains, supermarkets, and various others such as Target and K-Mart are in their network. In addition to mail order there are two cost sharing models... preferred retail cost sharing and standard retail cost sharing. At a prefe...
by cheese_breath
Tue Oct 14, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 24
Views: 1517

Re: Meaning of Important note included in Medicare part D pl

It means for those drugs (normally generics) you only pay a copay rather than full price even though the deductible hasn't yet been met. So if you only take those drugs you don't have to worry about the deductible.
by cheese_breath
Tue Oct 14, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 24
Views: 1517

Re: Ebola preparation

I this a financial or medical question?
by cheese_breath
Tue Oct 14, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2219

Re: Does your ROTH hold risky or stable items?

asset_chaos wrote:Por que no los dos?

Si. My Vanguard ROTH is all TSM index. MY TIAA-CREF Roth is all TIAA Traditional.
by cheese_breath
Tue Oct 14, 2014 12:01 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 49
Views: 2646

Re: You may be getting charged rent for a router/modem you o

I was rightfully being charged for renting a modem way back in the day. Imagine my surprise when I found out you could buy one and it costs less than about six months worth the fee. I have been using the same one since, over 6 years now. If only I had bought my own sooner... You don't still rent yo...
by cheese_breath
Mon Oct 13, 2014 11:43 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 23
Views: 2285

Re: When people put all their eggs in the wrong basket

VictoriaF wrote:
cheese_breath wrote:
VictoriaF wrote:When people put all their eggs in the wrong basket, the eggs turn into goose eggs.

Victoria

My experience is eggs turn rotten if you hold onto them too long.


The case of rotten eggs is a basket case.

Victoria

I guess that's what I get for egging you on.
by cheese_breath
Mon Oct 13, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 213
Views: 19744

Re: When people put all their eggs in the wrong basket

VictoriaF wrote:When people put all their eggs in the wrong basket, the eggs turn into goose eggs.

Victoria

My experience is eggs turn rotten if you hold onto them too long.
by cheese_breath
Mon Oct 13, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 213
Views: 19744

Re: How would one negotiate with daycare?

Do you have a written contract with them specifying a starting date for your child? No? Is there a shortage of daycare providers in your area? Yes? Then what is their incentive for giving you a discount unless you can play the sympathy card? Who are you currently using for daycare? What hardships ha...
by cheese_breath
Mon Oct 13, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 33
Views: 2882

Re: Securities lending

Fidelity is paying you 0.75% so they can loan your investment out for 1.5%, and they have no risk? Sounds like a good deal for Fidelity. Doesn't every bank pay you interest and then loan out your money to someone else at a higher interest? It is a good deal for the bank but it doesn't mean you shou...
by cheese_breath
Sun Oct 12, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Securities lending
Replies: 16
Views: 820

Re: Need Help Responding to Debt Collector (for invalid requ

Right now you're speculating the client is Windham. I would send them a letter asking them to identify their client because according to your records you have no overdue obligations to anyone. Also Google "Pinnacle Recovery". SInce you think your issue may be connected with a timeshare, he...
by cheese_breath
Sun Oct 12, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Need Help Responding to Debt Collector (for invalid request)
Replies: 11
Views: 962

Re: You may be getting charged rent for a router/modem you o

When I signed up with Comcast a few years ago my first bill included a cable modem rental charge even though I had my own. I immediately called them and gave them all my modem information and after two more months of invalid rental charges and a few more phone calls they eventually got it straighten...
by cheese_breath
Sun Oct 12, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 23
Views: 2285

Re: Clothes Dryer drying very slowly

dpc wrote:As mentioned, check the outside vent opening to make sure it is clear.

Also check the vent cover isn't bent. My SIL had the same problem in his new house, and it turned out a workman had put his ladder against the vent cover and bent it partially shut so the flap couldn't open all the way.
by cheese_breath
Sun Oct 12, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 1926

Re: Securities lending

Fidelity is paying you 0.75% so they can loan your investment out for 1.5%, and they have no risk? Sounds like a good deal for Fidelity.
by cheese_breath
Sun Oct 12, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Securities lending
Replies: 16
Views: 820

Re: When people put all their eggs in the wrong basket

I receive a couple solicitations a year to participate in investment related class action suits. I filled out the first few, and then realized I would get $100 and the lawyers would get millions...so I just throw them away now. I am not going to be a party to such nonsense. I still fill them out. $...
by cheese_breath
Sun Oct 12, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 213
Views: 19744

Re: Retired and end of month checking account balance?

I don't have a specific number, but it's usually somewhere around $800 - $1,000 'just in case'.
by cheese_breath
Sun Oct 12, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 1838

Re: Roth and IRA

3) You want to use a conversion strategy for which the conversions should be made to separate accounts for recharacterization purposes. As example I once had three ROTHs open with Vanguard at the same time, my primary Roth and two more from conversions I did different times of the year. There turne...
by cheese_breath
Sun Oct 12, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth and IRA
Replies: 6
Views: 496

Re: Problem with 401K rollover

Michael_Fisher1 wrote:RE: Cheese_breath - looks like they deducted the gains as well

Right. They make it look as though they never gave you the match. Hence you can't keep gains on a match they 'never' gave you.
by cheese_breath
Sun Oct 12, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Problem with 401K rollover
Replies: 20
Views: 915

Re: Roth and IRA

Yes. In fact you can have several Roths and several tIRAs. Next question?
by cheese_breath
Sun Oct 12, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth and IRA
Replies: 6
Views: 496

Re: Calculating RMDs

Christine_NM wrote:
chaz wrote:Vanguard computes the RMD for me.


+1

Any other IRA custodian should provide the same service. This is not supposed to be a DIY calculation.

But if you do want to DIY just Google "Calculate RMD" and it will give you links to lots of sites that can calculate it for you.
by cheese_breath
Sun Oct 12, 2014 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Calculating RMDs
Replies: 14
Views: 1433

Re: Cleaning Up Acorns

Can someone tell me the difference between the Nut Wizard http://www.thenutwizard.com/ and the Weasel Nut Gather http://www.gardenweasel.com/garden-weasel-products/garden-weasel-tools/weasel-nut-gatherer/ ? Yes. The difference is $17. As for the merits of the product - that was all covered in earli...
by cheese_breath
Sat Oct 11, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 2166

Re: Cleaning Up Acorns

Google "picking up acorns" and see what you get. Can someone tell me the difference between the Nut Wizard http://www.thenutwizard.com/ and the Weasel Nut Gather http://www.gardenweasel.com/garden-weasel-products/garden-weasel-tools/weasel-nut-gatherer/ ? Must be good. AFter all they're on...
by cheese_breath
Sat Oct 11, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 2166

Re: Relocating to a tax free state with good weather need ad

There's no such thing as a tax free state. Texas has no income tax, but property taxes are high compared to some other states.

Here's a good place to start investigating ...

http://www.retirementliving.com/taxes-by-state
by cheese_breath
Sat Oct 11, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3608

Re: Problem with 401K rollover

Michael_Fisher1 wrote:hope i didnt just [(removed) --admin LadyGeek] myself out of $4k

If you did it's not the end of the world, even though it might seem like it now. Most of us have made bigger goofs than that.
by cheese_breath
Sat Oct 11, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with 401K rollover
Replies: 20
Views: 915

Re: Problem with 401K rollover

Ok think i figured it out under the 401K transaction history it says "realized G/L" and "forfeitures" = thats where the money went. so should i have left the money in the 401K? did i just [(removed) --admin LadyGeek] myself out of 4k? Sort of looks that way, but I'd still phone ...
by cheese_breath
Sat Oct 11, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Problem with 401K rollover
Replies: 20
Views: 915

Re: Problem with 401K rollover

Well I left that job in May so im assuming that was taken care of at the time of my termination. any reason why that would only show up after a rollover? also the 401k rep at my previous company did not make me aware of any unvested contributions Definition of assume.. [OT comment removed by admin ...
by cheese_breath
Sat Oct 11, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Problem with 401K rollover
Replies: 20
Views: 915

Re: Problem with 401K rollover

Is there any kind of vesting period on your company match (assuming there was a match)? If any of the company contributions weren't vested yet they would go back to the company, not to your IRA.
by cheese_breath
Sat Oct 11, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Problem with 401K rollover
Replies: 20
Views: 915

Re: Cleaning Up Leaves

My private garbage service will take them bagged, but I discovered we have a "leaf thief" that comes at night and carts them off before morning. I think it might be a farmer using them possibly in his hen house or someone who wants some fine mulch. See, I said these were desirable to gard...
by cheese_breath
Fri Oct 10, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 2984
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