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Re: Hw many credit cards to own?

Three. I think it's good to have two backups in case one (or two) of them gets into wrong hands. This actually happened to me, a long time ago. Somehow the numbers on two of my cards fell into wrong hands at once. I was on vacation at the time, and fortunately I had the third one to get home on whil...
by cheese_breath
Mon Jul 21, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 54
Views: 2253

Re: how often do you look at your account

First day of the month and not much more.
by cheese_breath
Sun Jul 20, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3293

Re: NY Times Article - a case for index investing

A new study by S.&P. Dow Jones Indices has some fresh and startling answers. The study, “Does Past Performance Matter? The Persistence Scorecard,” provides new arguments for investing in passively managed index funds — those that merely try to match market returns, not beat them. New arguments?...
by cheese_breath
Sun Jul 20, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 13
Views: 1920

Re: Poll: Has your AA changed in the last 18 months

Rebalanced but haven't changed my target AA.
by cheese_breath
Sun Jul 20, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 46
Views: 1990

Re: Thoughts of a long-term investor

Cut-Throat wrote:I saw nothing when I clinked on the link....Maybe this is Genius, there is nothing to see.

Or maybe he couldn't think of anything worth mentioning in 47 years. :shock:
by cheese_breath
Sat Jul 19, 2014 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts of a long-term investor
Replies: 7
Views: 958

Re: Easy careers to last me to retirement?

Trophy husband?
by cheese_breath
Sat Jul 19, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13425

Re: Ways to lose money and destroy personal wealth by invest

Any free offer that's going to show you how to make money in the market.
by cheese_breath
Sat Jul 19, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9006

Re: Social Security Taxes?

Just because your SS may be taxed up to 85% doesn't mean the govt. takes 85% of the payment. For example, assume you are in the 15% bracket and 85% of your SS is taxed. The worst case actual tax on your SS payment is 0.15 x 0.85 = 12.75%. The govt. takes 12.75% of your payment. You get to keep the r...
by cheese_breath
Sat Jul 19, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2220

Re: The ultimate Boglehead exercise

Alternate exercise...

Fill two sturdy bags with 50 pounds of silver dollars each.
Attach bags to each end of sturdy pole.
Use pole for lifts and bench presses.
by cheese_breath
Sat Jul 19, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 21
Views: 2430

Re: USPS Shipping Problem Again

Don't know if this is true, but when I was [much] younger, we knew one of the curators at the Smithsonian. He claimed that when custody of the Hope Diamond was transferred, it was decided the best way was USPS in a "plain brown wrapper", no bells or whistles or publicity, no hint it was a...
by cheese_breath
Sat Jul 19, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 837

Re: USPS Shipping Problem Again

In many years of shipping many packages via USPS, domestic and international, I have never lost one. I use them for packages almost exclusively. However, one that was coming to me was lost. It was minor. I don't recall ever losing one either. But I have experienced many, many late deliveries. Pay e...
by cheese_breath
Sat Jul 19, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 837

Re: Market Timing vs. Market Opportunity

Thank you all for your input. I realize now that asking a market timing question on this board is akin to preaching atheism in a Baptist church. I have since decided to use most of my retirement money to open an ostrich farm in Arizona. That market has been down so long now it's bound to bounce bac...
by cheese_breath
Sat Jul 19, 2014 9:09 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 2854

Re: USPS Shipping Problem Again

I'm no USPS fan, but for many items they still seem to be the least expensive alternative, at least where I live. BUT anyone who doesn't insure expensive items for their full value is living dangerously.
by cheese_breath
Sat Jul 19, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 837

Re: Help me assess whether to refinance

(1) How long do you plan to stay in the current home, and (2) how long will it take to recoup your refinancing costs? If (1) is greater than (2) then refinance. Unless you're in a greater than 100% tax bracket the loss of the $3,358 tax deduction shouldn't matter. edit: Just because you refinance to...
by cheese_breath
Fri Jul 18, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me assess whether to refinance
Replies: 10
Views: 668

Re: A Romney Problem

I started doing Roth conversions from the day they came out. I'm taking RMDs now and am in the 15% bracket because I moved enough into Roths before I hit 70. As far as I know Mitt doesn't have any magic in his toolkit and will have to start taking RMDs too when he hits the required age.
by cheese_breath
Fri Jul 18, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Romney Problem
Replies: 16
Views: 1988

Re: If you own a car, do you have a car payment?

Own two vehicles outright. Last time I had a car payment was 1989, and I paid it off in four months. Before that my last car payment was 1973.
by cheese_breath
Fri Jul 18, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 98
Views: 4997

Re: Market Timing vs. Market Opportunity

So let's say from 1985 to current day without any foreknowledge of what would happen when would you have got out, and when would you have got back in?

1990? 1991? 1992? 1993? ...4...5...6...7?

http://finance.yahoo.com/q/bc?s=%5EGSPC ... z=l&q=l&c=
by cheese_breath
Fri Jul 18, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 2854

Re: Ways to lose money and destroy personal wealth by invest

Keeping all your money in savings accounts, CDs and savings bonds because the stock market because "is fixed."
by cheese_breath
Thu Jul 17, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9006

Re: Market Timing vs. Market Opportunity

... on the chance that the market will drop when QE3 ends. Chance is the key word here isn't it? Do you believe in establishing an AA to govern your investing? What is your target AA? Unless it's 100% stocks you'll probably be pulling some out of equities as they increase anyway. If it is 100% stoc...
by cheese_breath
Thu Jul 17, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 2854

Re: Purchasing Food at Work

Get yourself a big wide mouth thermos. I used to have one when I was working eons ago used it for soup, spaghetti, and the like. Make it at home and it stays hot for hours. Borrow a fork or spoon from the lunch room and eat right out of the thermos. Mine was plastic and worked great. I imagine the s...
by cheese_breath
Thu Jul 17, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 3916

Re: Keep house or sell

TP_Golf wrote:... Both my parents and my wifes live in the area and they could check in occasionally....

Are you leaving all your wives there, or are you taking one with you :?: :shock:
by cheese_breath
Thu Jul 17, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keep house or sell
Replies: 14
Views: 925

Re: Good Faith Deposit with Attorney or Realtor?

midareff wrote:Lawyer is good with it. Thinks it is lots safer in his trust account than in that of an unknown realtor.

Then if you trust him and his legal advice do what he says.
by cheese_breath
Wed Jul 16, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Good Faith Deposit with Attorney or Realtor?
Replies: 7
Views: 638

Re: Why I can't be a day trader.

Crow Hunter wrote:I definitely don't want to be a day trader. I know I can't overcome my own nature that much.

Do you get this worked up when toilet paper goes on sale the day after you just stocked up? This isn't a financial issue. If you can't control yourself maybe you should get professional counseling.
by cheese_breath
Wed Jul 16, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2925

Re: Good Faith Deposit with Attorney or Realtor?

What does your lawyer say you should do?
by cheese_breath
Wed Jul 16, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Good Faith Deposit with Attorney or Realtor?
Replies: 7
Views: 638

Re: boglehead botanists...is this poison ivy?

I don't think so, but that doesn't mean you couldn't be allergic to it anyway.
by cheese_breath
Tue Jul 15, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2426

Re: Builder Options and Property Tax?

If you did this post-construction how would the local government find out inorder to increase your property tax? I don't know about where you live, but in some areas the assessor has the right to come into your house if (s)he has reason to believe you've been doing secret upgrades. edit: Be careful...
by cheese_breath
Tue Jul 15, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Builder Options and Property Tax?
Replies: 9
Views: 615

Re: Builder Options and Property Tax?

When you build a house in a development your property tax valuation is set at what you ended up paying the builder correct? I suppose it depends on how punctual your local assessor is in assessing the property. But sooner or later (s)he will get around to doing a formal assessment, and then your ta...
by cheese_breath
Tue Jul 15, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Builder Options and Property Tax?
Replies: 9
Views: 615

Re: Have you quit your job because of your boss?

At least one response mentioned attempting to get justice on the bad boss with your resignation notice (or a widely circulated email). I strongly discourage that. It's nice to daydream about justice, but burning bridges rarely yields benefits and sometimes causes problems down the road. Real world ...
by cheese_breath
Tue Jul 15, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7038

Re: Have you quit your job because of your boss?

Long retired now, but in my entire career I only had one boss I couldn't put up with. Fortunately I worked for an IT services company so there were many organizations in need of my skills, and I was able to arrange a transfer to a different organization within the company. If that wasn't possible I ...
by cheese_breath
Mon Jul 14, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7038

Re: [Poll] Are you more risk averse than average?

Can you define an average investor? At age 73 I'm probably more risk averse that a 23 year old, but maybe not as much as a 83 year old.
by cheese_breath
Mon Jul 14, 2014 12:11 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2588

Re: Investing is starting to get boring

Boring can be exciting because it means everything's going as it should.
by cheese_breath
Sun Jul 13, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3834

Re: Cheapest Win7 image backup media solution?

$60 for external HD, but only willing to spend $10? This sounds penny-wise and pound-foolish to me. Get the HD and save yourself a lot of trouble down the road.
by cheese_breath
Sun Jul 13, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Win7 image backup media solution?
Replies: 8
Views: 557

Re: Verbal agreement for yard service gone bad: legal risk?

IMD801 wrote:The up front payment was in the hundreds of dollars - just like the previous year for the whole season's worth of lawn care.

There was no memo written on the check.

I'd say that's a pretty convincing argument for your case. But next year write a memo on the check too 'just in case'.
by cheese_breath
Sun Jul 13, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 26
Views: 3080

Re: Who else hates choosing a car?

I love choosing cars. I buy them so infrequently choosing a new one is a great pleasure. I used to hate haggling with the salesmen before I joined GM. But now as a GM retiree that's a thing of the past so long as I stay with GM cars, and there's enough variety in their models to keep me happy.
by cheese_breath
Sun Jul 13, 2014 12:17 am
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6248

Re: Verbal agreement for yard service gone bad: legal risk?

Did you write anything on the check confirming your verbal agreement?
by cheese_breath
Sun Jul 13, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 26
Views: 3080

Re: close to retirement investment question

What if you couldn't earn 6%? Would you be willing to work longer, live on less income, or possibly take part time jobs in retirement? The reason I ask is as you move closer to retirement you should be moving towards a more conservative portfolio increasing fixed income investments and reducing your...
by cheese_breath
Sat Jul 12, 2014 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: close to retirement investment question
Replies: 6
Views: 1301

Re: POLL: Walmart vs Amazon

Mostly Walmart because of returns convenience if clothes don't fit or electronics don't work.
by cheese_breath
Sat Jul 12, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7886

Re: Marriage - Asset Allocation Question

Marriage AA is as follows...

Your assets are hers. Her assets are hers. It's that simple.
by cheese_breath
Fri Jul 11, 2014 11:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Marriage - Asset Allocation Question
Replies: 11
Views: 1242

Re: High end purses

I've never bought an expensive pure for my wife, and she's never bought one either. But she does have one Coach her grandson gave her for Christmas a couple years ago. The kid saved up his own money from his part time job to pay for it. She only uses it on very, very special occasions.
by cheese_breath
Fri Jul 11, 2014 10:39 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 9722

Re: The (unsung) top 5 list of things to take care of.

No problems with 1,2, and 3 but... 4. Although you might want to downsize for ease of living, not everyone needs to downsize for financial reasons. Some might, but others may have the resources to stay in their current homes the rest of their lies. 5. I don't understand the obsession with spending e...
by cheese_breath
Fri Jul 11, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: The (unsung) top 5 list of things to take care of.
Replies: 5
Views: 1355

Re: List of Worst financial advice (what not to do):

Plastics ... from The Graduate.
by cheese_breath
Fri Jul 11, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 121
Views: 12492

Re: List of Worst financial advice (what not to do):

Call for my free ______ (book, DVD, lesson, etc.) that will teach you how to make thousands with no risk.
by cheese_breath
Thu Jul 10, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 121
Views: 12492

Re: Disclosing Financial Position

Are you asking if you should keep it a secret forever? Or until AFTER you're married? Or until AFTER you're engaged? Or until AFTER you're serious (dating only each other, the "L" word has been spoken, and "boyfriend/girlfriend" is used during introductions) My opinion: I wouldn...
by cheese_breath
Wed Jul 09, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disclosing Financial Position
Replies: 13
Views: 1163

Re: Munchies ?

Dry seaweed sheets intended for making sushi but eaten plain. See for example Sushi Nori Seaweed Sheets from Amazon.com. They are low-calorie and reasonably healthy. The only drawback is that they easily crumb and thus are somewhat messy. Victoria Dry seaweed... Reminds me of dulse when I was a kid...
by cheese_breath
Wed Jul 09, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Munchies ?
Replies: 22
Views: 2054

Re: Disclosing Financial Position

Way to start things off on the wrong foot, keeping secrets from the get-go. Why marry her if you don't trust her? Would it be OK for her to keep secrets from you too?
by cheese_breath
Wed Jul 09, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disclosing Financial Position
Replies: 13
Views: 1163

Re: Dishwasher relacement

Assuming you haven't built the floor up outside the dishwasher (this might make it difficult to get the old one out), and there's no floor damage under the current DW it's not that bad. But before doing anything verify your intended new DW will fit in the current opening. Then... Turn off H2O and e...
by cheese_breath
Wed Jul 09, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Dishwasher replacement
Replies: 11
Views: 1346

Re: Dishwasher relacement

Assuming you haven't built the floor up outside the dishwasher (this might make it difficult to get the old one out), and there's no floor damage under the current DW it's not that bad. But before doing anything verify your intended new DW will fit in the current opening. Then... Turn off H2O and el...
by cheese_breath
Wed Jul 09, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Dishwasher replacement
Replies: 11
Views: 1346

Re: List of Worst financial advice (what not to do):

From various 'investment advice' programs...

If you're going to be in the market you might as well be in the best funds.

You're protected on the downside and participate in the upside.

You need a financial advisor.
by cheese_breath
Wed Jul 09, 2014 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 121
Views: 12492

Re: List of Worst financial advice (what not to do):

.... I could not get my "Wealth Manager" to articulate an overall plan or strategy his advice fit into. He didn't even seem to understand what I was asking for. Actually, I didn't make it to Bogleland right away. I simply jumped ship into deep waters and had to splash around on my own for...
by cheese_breath
Wed Jul 09, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 121
Views: 12492

Re: List of Worst financial advice (what not to do):

"Superior portfolio performance will more than pay my fees" ... Financial Advisor
by cheese_breath
Tue Jul 08, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 121
Views: 12492
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