Search found 4387 matches

Go to advanced search

by cheese_breath
Fri May 22, 2015 10:36 am
Forum: Investing - Theory, News & General
Topic: Quick question about tax harvesting
Replies: 4
Views: 102

Re: Quick question about tax harvesting

I don’t think so. In the 39.6% tax bracket your LTCG rate is 20%. If you take the $2,000 loss and apply it to your normal income your tax saving is 2000 x 39.6% = $727. But if you apply the same loss to your $2,000 LTCG your tax saving is only 2000 x 20% = $400.
by cheese_breath
Thu May 21, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much would home insurance on a 650k house in Chicago cost?
Replies: 7
Views: 489

Re: How much would home insurance on a 650k house in Chicago cost?

i'm not from Chicago, but I know the insurance price would depend on which part of the city the home is located. Can you be more specific for our Chicago friends?
by cheese_breath
Thu May 21, 2015 4:24 pm
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1440

Re: Malwarebytes Anti-Exploit

FuyuKei wrote:(From your post, I am unsure if you have real-time. Is your Norton constantly running, or only doing scheduled scans?)....

My Norton is real-time, plus it does a scheduled full system scan once per month. Malwarebytes and SUPERAntiSpyware are not.
by cheese_breath
Wed May 20, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Medicare Billing Question
Replies: 4
Views: 541

Re: Medicare Billing Question

Well, got the right hand done this morning. So now I'm typing with two fingers of my left hand. The billing person wasn't in today so I left a message about the coding question. Guess I'll wait a few days now and see what happens.
by cheese_breath
Wed May 20, 2015 1:02 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 3877

Re: Best Chromebook 2015

I used a couple Chromebooks for awhile to try them out: the Toshiba and the Samsung. I simply couldn't figure out why I would want to use one instead of my small Lenovo laptop. It was a pain to do the things I usually do on my laptop, so after fiddling with them for awhile I returned them. You can ...
by cheese_breath
Tue May 19, 2015 10:14 pm
Forum: Personal Consumer Issues
Topic: Sewer line replacement - who to call?
Replies: 21
Views: 1390

Re: Sewer line replacement - who to call?

Call your local water & sewer department and see if they have a list of approved contractors.
by cheese_breath
Tue May 19, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Converting garage into office space
Replies: 6
Views: 551

Re: Converting garage into office space

Look for any local regulations or subdivision restrictions that might prevent you from doing this. If you do it be sure to raise the office floor above the remaining garage floor to prevent runoffs from cars, tractors, whatever from damaging the office. Do you want A/C and/or heat in the office? May...
by cheese_breath
Tue May 19, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1440

Re: Malwarebytes Anti-Exploit

... To the OP, don't go overboard with protection. A real time Anti-Virus, MBAM either on demand or real-time. Maybe another on demand program or two. SUPERAntiSpyware is a good choice. Several others available for on demand scanning if neccessary, ESET, TrendMicro, Kaspersky etc. Safe surfing of c...
by cheese_breath
Tue May 19, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1440

Re: Malwarebytes Anti-Exploit

Spybot? Wow! I didn't know that was still around. I dumped it years ago when I went to Malwarebytes and SUPERAntiSpyware. Maybe I'll give it another try. Does it still run as long as it used to?
by cheese_breath
Tue May 19, 2015 9:14 am
Forum: Investing - Theory, News & General
Topic: The Benefits of Active Management for Investors
Replies: 17
Views: 1484

Re: The Benefits of Active Management for Investors

If you decide to go with active funds, you will most likely have to buy funds from various institutions and I wouldn't touch anything where the fund has not outperformed the market over the long run (10-20 years). Even though I'm not a big fan of Adam Bold I have to agree with his view that a fund'...
by cheese_breath
Tue May 19, 2015 7:42 am
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1440

Malwarebytes Anti-Exploit

Anyone using this software? Opinions on how good or bad it is?
by cheese_breath
Tue May 19, 2015 6:47 am
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 3877

Re: Best Chromebook 2015

What are the most common situations where you would need a regular computer and a chromebook would not do? Any time you want to run stand alone software that isn't available on the Chrome OS. Off the top of my mind Quicken Turbo Tax or TaxCut YNAB Photoshop AutoCAD Oracle MS Office at the power use...
by cheese_breath
Tue May 19, 2015 6:34 am
Forum: Personal Finance (Not Investing)
Topic: How to plan my transition to retirement...
Replies: 7
Views: 772

Re: How to plan my transition to retirement...

About the only thing I know about medicine is from a patient's point of view. But considering the advances being made how long would you think it would be until you become obsolete and unable to go back?
by cheese_breath
Mon May 18, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan my transition to retirement...
Replies: 7
Views: 772

Re: How to plan my transition to retirement...

Before pulling the plug I'd suggest doing a 50 year forecast of your financial resources and expenses to see if retirement even makes sense at your age. I retired at 56 but did a 40 year forecast first to make sure I wasn't dooming myself to a life of poverty in my latter years.
by cheese_breath
Mon May 18, 2015 6:14 pm
Forum: Investing - Theory, News & General
Topic: The Benefits of Active Management for Investors
Replies: 17
Views: 1484

Re: The Benefits of Active Management for Investors

On any given day a monkey throwing darts at the newspaper's stock pages might outperform a benchmark. But how many monkeys will be that lucky, or how many days?
by cheese_breath
Mon May 18, 2015 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Contribution - Appreciated Shares
Replies: 15
Views: 534

Re: Charitable Contribution - Appreciated Shares

I'm having a hard time figuring out how to track the basis for these shares.... The shares consist of both "covered" and "non-covered" shares. I've pulled the transaction details from Vanguard, so I know exactly how many shares I bought and how much I paid for them. However, eve...
by cheese_breath
Mon May 18, 2015 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Contribution - Appreciated Shares
Replies: 15
Views: 534

Re: Charitable Contribution - Appreciated Shares

mhc wrote:
cheese_breath wrote:Or you could consider pulling that old IBM 286 out of the basement or firing up Lotus Notes. :P

I still have a couple Symphony tax spreadsheets I converted to Excel eons ago.


Do you mean Lotus 1-2-3?

Yes I do. A person tends to forget these things after eons. :oops:
by cheese_breath
Mon May 18, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Revised 1099 for 2013
Replies: 4
Views: 216

Re: Revised 1099 for 2013

Don't take this as official, but I doubt the government would get upset if you let them keep the $1.50.
by cheese_breath
Mon May 18, 2015 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Contribution - Appreciated Shares
Replies: 15
Views: 534

Re: Charitable Contribution - Appreciated Shares

Or you could consider pulling that old IBM 286 out of the basement or firing up Lotus Notes. :P

I still have a couple Symphony tax spreadsheets I converted to Excel eons ago.
by cheese_breath
Mon May 18, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs for Retired Air Force (without degree)
Replies: 26
Views: 1554

Re: Jobs for Retired Air Force (without degree)

What did your friend do in the air force? I ask because my father in law work for the Coast Guard for roughly 30 years, and then went back to work for the Coast Guard a a civilian. This is what I am wondering as well. I find it really hard to believe that a 30 year Air Force veteran is having diffi...
by cheese_breath
Mon May 18, 2015 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Contribution - Appreciated Shares
Replies: 15
Views: 534

Re: Charitable Contribution - Appreciated Shares

What's the matter with an Excel spreadsheet? Unless you want something else you haven't told us you should be able to develop one tracking purchases, basis and donations in 15 minutes or less.
by cheese_breath
Mon May 18, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: Medicare Billing Question
Replies: 4
Views: 541

Re: Medicare Billing Question

I would call the surgery centers office and ask. Especially if there's an absence of the base surgery code in that grouping. Most of the Medicare contractors (those folks that send you the MSN's) have edits that will automatically kick out / deny bills etc that have add on codes without the base su...
by cheese_breath
Mon May 18, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: Benchmarking - Do you and what is your reference?
Replies: 13
Views: 726

Re: Benchmarking - Do you and what is your reference?

Being retired I consider it important to benchmark more than just my portfolio. When I retired in 1997 I developed a projection of my overall financial picture (income and investments minus spending) for the next 40 years. I've been been using this as my benchmark ever since and adjusting my assumpt...
by cheese_breath
Mon May 18, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: Medicare Billing Question
Replies: 4
Views: 541

Medicare Billing Question

A few weeks ago I had dupuytren's contracture surgery on my left hand with an incision running from about an inch above my wrist to my ring finger. I just checked the MyMedicare.gov site for my account, and it shows a MSN denying the Surgi Center charge. (I haven’t received a hard copy yet.) The ser...
by cheese_breath
Mon May 18, 2015 7:14 am
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2349

Re: Is the Post Office slowing down First Class Parcel delivery?

dolphinsaremammals wrote:....One thing USPS has never done is deliver something addressed to me to the wrong address....

You must have a good letter carrier. I often get mail addressed to others delivered to my house, so I'm guessing my mail sometimes might get delivered to others as well.
by cheese_breath
Sun May 17, 2015 10:16 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 3877

Re: Best Chromebook 2015

patelbhavesh wrote:One thing I would highly recommend before buying a chromebook is to play with the touchpad as the low end models have really bad touchpad/trackpad and can actually hurt your hand.

OTOH a mouse works just fine.
by cheese_breath
Sun May 17, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: money purchase plan opt out
Replies: 8
Views: 700

Re: money purchase plan opt out

Are you unionized or have some other form of employment contract?
by cheese_breath
Sat May 16, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2349

Re: Is the Post Office slowing down First Class Parcel delivery?

Last Thursday we mailed a graduation card to our grandson in 1300 miles away in Texas and a Mother's day card to my MIL in our same zip code. The gradation card got there early this week. The Mother's day card got there yesterday.
by cheese_breath
Sat May 16, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: A/C Service Deals
Replies: 11
Views: 815

Re: A/C Service Deals

It is now 4 years old and we are on our 3rd blower motor (motor in air handler). All the techs are amazed that the coil is still not leaking; they tell us we must have got a "good one". I would take that as a con job myself.... Or the brand. My SIL has an Amana that crapped out after two ...
by cheese_breath
Sat May 16, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: A/C Service Deals
Replies: 11
Views: 815

Re: A/C Service Deals

My only annual maintenance is squirting the grill out with the hose each spring to remove any leaves or other crud that may have accumulated in it.
by cheese_breath
Sat May 16, 2015 7:20 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 157
Views: 9089

Re: How much does social security factor into your retirement income?

Age 74, retired 18 years. Estimate this year SS will be about 55% of income, scaling down to about 25% in 20 years. May not be an issue for me, but wife will still be in her 80s then. edit: It occurred to me after posting this that the answer depends on how we define income. For my purposes I'm cons...
by cheese_breath
Thu May 14, 2015 10:07 pm
Forum: Investing - Theory, News & General
Topic: The upside of living longer
Replies: 11
Views: 2206

Re: The upside of living longer

You're not dead. :thumbsup
by cheese_breath
Thu May 14, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2349

Re: Is the Post Office slowing down first class parcel delivery?

My wife does a lot of shopping online, and we've stopped paying extra for first class because it never arrives within the expected time.
by cheese_breath
Wed May 13, 2015 7:55 pm
Forum: Personal Consumer Issues
Topic: Received Comcast equipment at our house which we did not order
Replies: 25
Views: 1454

Re: Received Comcast equipment at our house which we did not order

... Whether obligated or not that's a lot easier than trying to remove an unwarranted Comcast bill from your credit report. How could this affect OP's credit report? OP is not a customer and Comcast does not have OP's name. When OP called Comcast he might have given him his name. Or... since they h...
by cheese_breath
Wed May 13, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: Received Comcast equipment at our house which we did not order
Replies: 25
Views: 1454

Re: Received Comcast equipment at our house which we did not order

Under US consumer law, if a company mails you something in error, that’s their problem, not yours — you are legally entitled to keep it, and you are not obligated to deliver it back to them. Their legal department knows this, and should know not to ask for it back.... You have a lot more faith in C...
by cheese_breath
Wed May 13, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: capital gains to pay off mortgage
Replies: 10
Views: 718

Re: capital gains to pay off mortgage

On another note, if your joint AGI is under 74,900 you should look to do some tax gain harvesting in the 0% LTCG rate. In other words, it could be wise to pull some or all of the earned interest money out if we can stay under the 74,900 AGI, and then if I like simply reinvest it? Isn't there a more...
by cheese_breath
Wed May 13, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond ETF vs Total Bond Admiral Fund
Replies: 10
Views: 924

Re: Vanguard Total Bond ETF vs Total Bond Admiral Fund

You can trade ETFs like stocks. Depending on one's perspective that may be a good thing or a bad thing.
by cheese_breath
Wed May 13, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Received Comcast equipment at our house which we did not order
Replies: 25
Views: 1454

Re: Received Comcast equipment at our house which we did not order

> I don't care what Comcast said. Don't throw it out!!! Shortly after you do they'll come looking for it, and they'll charge you if you can't produce it. I believe that the OP has done more than he needed to do. If he keeps this stuff for later return it is only out of the goodness of his heart. My...
by cheese_breath
Wed May 13, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: capital gains to pay off mortgage
Replies: 10
Views: 718

Re: capital gains to pay off mortgage

Is any of that 2.2K reinvested dividends? If you reinvested dividends, the dividends themselves may have short gains associated with them. Although probably minuscule compared to the entire 2.2K any short term gains would be taxed at your regular tax rate.
by cheese_breath
Wed May 13, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Received Comcast equipment at our house which we did not order
Replies: 25
Views: 1454

Re: Received Comcast equipment at our house which we did not order

I don't care what Comcast said. Don't throw it out!!! Shortly after you do they'll come looking for it, and they'll charge you if you can't produce it. Return it all to Comcast, but be sure to get a receipt itemizing everything returned.
by cheese_breath
Mon May 11, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: Paying or Not Paying Extra for Amazon Delivery
Replies: 19
Views: 1921

Re: Paying or Not Paying Extra for Amazon Delivery

I'm willing to wait for the standard delivery, but sometimes my wife freaks out thinking an item is lost. Then I have to show her it still hasn't reached the standard delivery time yet.
by cheese_breath
Mon May 11, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3461

Re: Do banks take loose coinage?

I used to have a bank that only accepted rolled coins. It was so stupid, because I watched them walk to a machine behind the counter and break open all the rolls into a coin sorter, after they watched me sit in the lobby and roll the coins. ARGH! :oops: Thankfully I don't bank with them anymore. Th...
by cheese_breath
Mon May 11, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: New car, lease or buy?
Replies: 33
Views: 1300

Re: New car, lease or buy?

fund wrote:Is anyone able to speak to the legal justification for a state charging sales tax on the full purchase price of a vehicle that is leased, rather than charging tax on only the portion (value) of the vehicle that you are leasing? ...

I guess the legal justification is the state makes the laws.
by cheese_breath
Mon May 11, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: New car, lease or buy?
Replies: 33
Views: 1300

Re: New car, lease or buy?

brucesprings wrote:... I was never someone who ever thought leasing was a good option but salesman made it sound like better deal....

... for the salesman.
by cheese_breath
Sun May 10, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional question
Replies: 18
Views: 854

Re: TIAA Traditional question

IRA (issued on or after 10/11/2010) -- 1.00% -- IRA contracts allow for transfers and withdrawals IRA (issued prior to 10/11/2010) -- 3.00% -- IRA contracts allow for transfers and withdrawals I'll jump in with a question about this. I opened TIAA-CREF IRAs before 10/11/2010 (and later transferred ...
by cheese_breath
Sun May 10, 2015 1:39 pm
Forum: Investing - Theory, News & General
Topic: Skeptical of consistent dividend growth
Replies: 18
Views: 1622

Re: Skeptical of consistent dividend growth

Good or not there are people who like stocks that pay high dividends. You can bet the financial industry won't turn away their business. For example Vanguard has high dividend funds (VHDYX) and ETFs (VYM).
by cheese_breath
Sun May 10, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3461

Re: Do banks take loose coinage?

. . . my credit union still does. The difference is they've moved the counting machine out of the teller area into the customer area. We load the coins in ourselves, and it prints a receipt. We then take the receipt to the teller to make the deposit. One more move toward increasing employee product...
by cheese_breath
Sat May 09, 2015 10:53 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3461

Re: Do banks take loose coinage?

I don't know about banks, but my credit union still does. The difference is they've moved the counting machine out of the teller area into the customer area. We load the coins in ourselves, and it prints a receipt. We then take the receipt to the teller to make the deposit. One more move toward incr...
by cheese_breath
Sat May 09, 2015 2:31 pm
Forum: Forum Issues and Administration
Topic: Am I the only one not getting notifications?
Replies: 11
Views: 1085

Re: Am I the only one not getting notifications?

No you're not the only one. I'm waiting for them to eventually bust loose and flood my inbox.
by cheese_breath
Sat May 09, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3943

Re: Brand Loyalty

I am completely disloyal.

Go to advanced search