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Re: What age did you move out?

happymob wrote:... Struggled with depression ...

I know depression is serious, and hope I don't offend. But with the name 'happymob' I assume it's over.

Best wishes.
by cheese_breath
Wed Jan 28, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 90
Views: 3251

Re: IRA to Roth IRA - Taxed on all or contributions only?

Re #2... I'd open a separate Roth for the conversion but not for the reason you wonder about. If you decide to recharacterize the conversion it's easier if you don't have everything mixed together. After the recharacterization period has expired you can combine both Roths into one.
by cheese_breath
Wed Jan 28, 2015 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth IRA - Taxed on all or contributions only?
Replies: 5
Views: 278

Re: What age did you move out?

Returned home after graduating from college. Got married and moved out three weeks later.
by cheese_breath
Tue Jan 27, 2015 9:52 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 90
Views: 3251

Re: Ugh ...IRA tax question

Now you'e got my curiosity. What was your original post?
by cheese_breath
Tue Jan 27, 2015 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ugh ...IRA tax question
Replies: 1
Views: 332

Re: Google Chrome: is this a mega security problem?

Yes, with Chrome OS on a Chromebook you don't have the option of whether to sign in to Chrome (and thereby activate sync). You have to sign in order to use the Chromebook at all... That's not entirely true. You can enable guest browsing which allows you to use the Chrome browser without signing on....
by cheese_breath
Sun Jan 25, 2015 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6550

Re: Google Chrome: is this a mega security problem?

I haven't read the whole thread so maybe it's in here somewhere. But why didn't you just get a separate account for your Chromebook? That defeats the purpose of chrome browser,synchronization of all google your Google related data,,emails,Google documents,calendar,photos,,etc. Keep it simple and st...
by cheese_breath
Sun Jan 25, 2015 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6550

Re: Google Chrome: is this a mega security problem?

I haven't read the whole thread so maybe it's in here somewhere. But why didn't you just get a separate account for your Chromebook?
by cheese_breath
Sun Jan 25, 2015 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6550

Re: Roth IRA contribution from Brokerage Account

Thanks everyone for your help. As a retired police officer I still do some part -time security work and have earned income. So if I understand I can use the stock sale money and move it into the Roth IRA since I will make earned income from part time work. Yes, up to the point where you have enough...
by cheese_breath
Sat Jan 24, 2015 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contribution from Brokerage Account
Replies: 7
Views: 255

Re: Roth IRA contribution from Brokerage Account

... I ask this because I see under the Roth guidelines the money has to be earned income. Silly question but is this considered earned income by the IRS? ... I don't think so. http://www.irs.gov/Individuals/What-is-Earned-Income%3F But if you have any other income satisfying the IRS definition you ...
by cheese_breath
Sat Jan 24, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contribution from Brokerage Account
Replies: 7
Views: 255

Re: 2015 Roth IRA question

rkhusky wrote:You or a spouse have to have income.

Make that earned income. Interest from savings accounts for example isn't considered earned income by the IRS.

http://www.irs.gov/Individuals/What-is-Earned-Income%3F

But if you already have a traditional IRA you can convert it to a Roth.
by cheese_breath
Sat Jan 24, 2015 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: 2015 Roth IRA question
Replies: 5
Views: 435

Re: Anyone else love reading textbooks?

tludwig23 wrote:
lightheir wrote:Maybe was in school too longer in my earlier life...


Maybe a grammar text next? :D

Maybe he learned his grammar from his hillbilly grampa and grammar??? :D
by cheese_breath
Fri Jan 23, 2015 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Anyone else love reading textbooks?
Replies: 82
Views: 2772

Re: Question: Will Candles Heat up a Cold Room?

Interesting question. Some quick googling led to this reddit thread , which seems to have some good analysis. One candle can raise the temperature of the room ~1 degree F Heat required to maintain 71 F is ~ 40 W higher than that to maintain 70 F. Total load to heat the room is ~ 11,000 BTUH = 3250 ...
by cheese_breath
Thu Jan 22, 2015 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Question: Will Candles Heat up a Cold Room?
Replies: 21
Views: 1697

Re: Implied Rent as a consideration when deciding rent vs bu

...If I could buy the place for $500,000, why would I not do this?... Is it worth $500,000? From your opening paragraph it seems you think it's overpriced. Have you done any comps against comparable properties? I'm not even going to think about all your other comments until we learn if it's fairly ...
by cheese_breath
Thu Jan 22, 2015 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implied Rent as a consideration when deciding rent vs buy
Replies: 4
Views: 456

Re: Poll

Cemetery. The worms got to eat!
by cheese_breath
Thu Jan 22, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 698

Re: Keurig-cup coffee makers - why?

Don't laugh, Papito, I'm sure that Amazon will, sooner or later, get into the pizza delivery business, and that individually wrapped slices will appear. Back to the Keurig economics: Cheapskate that I am, I re-use the Keurigs. Run it through the machine on the medium sized cup (need space for the m...
by cheese_breath
Thu Jan 22, 2015 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 67
Views: 4740

Re: Keurig-cup coffee makers - why?

I bought a new Keurig Elite 45 for $79.00 last month. When I use my own coffee in the Keurig cups, the cost is $.09 per cup. When I shop the internet deals for Keurig K-cups, it can find what I like for about $.50 per cup. No waste, no mess. Before, I was buying a pound of coffee a week for $8.99 a...
by cheese_breath
Thu Jan 22, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 67
Views: 4740

Re: Keurig-cup coffee makers - why?

Convenience and cost! It is true a cost/cup brewing is $.10 vs. $.60 KCUP, however how many people make a pot and drink a cup or 2 then pour the remaining down the drain? I hope not many. Because it is not that difficult to figure out how much coffee you want to drink. If someone is not able to fig...
by cheese_breath
Thu Jan 22, 2015 10:59 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 67
Views: 4740

Re: Malware problem on new PC

If you install from http://www.google.com/chrome/ you should be OK. Just make sure you read all the options and don't select anything you don't need.
by cheese_breath
Thu Jan 22, 2015 10:44 am
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2609

Re: Keurig-cup coffee makers - why?

My only problem with making ordinary coffee is my own clumsiness. Maybe once every fifty pots I'm not careful putting the filter in, and it folds over giving me a pot of grounds with my coffee. Then I have to pour it all out and make another pot. Horrors!!!
by cheese_breath
Thu Jan 22, 2015 10:37 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 67
Views: 4740

Re: Malware problem on new PC

tc101 wrote:
However, they had a problem a year or two ago where people running it had their computers bricked.


What does it mean to have a computer bricked?

http://www.howtogeek.com/126665/htg-exp ... vice-mean/
by cheese_breath
Thu Jan 22, 2015 10:27 am
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2609

Re: Real 3% (CPI plus 3% guaranteed)

A lot of people would 'kill' for that deal, especially if you are feeling fairly conservative. Some bond funds may do better right now, but whenever interest rates begin rising 3% + CPI should be hard to beat.
by cheese_breath
Wed Jan 21, 2015 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Real 3% (CPI plus 3% guaranteed)
Replies: 21
Views: 1809

Re: Malware problem on new PC

Googling "pro pc cleaner" will give you several links about removing it. Here are a few... http://malwaretips.com/blogs/pro-pc-cleaner-removal/ http://www.shouldiremoveit.com/Pro-PC-Cleaner-109567-program.aspx https://www.youtube.com/watch?v=H4PJxXSFNiU Disclaimer: I have not reviewed or v...
by cheese_breath
Wed Jan 21, 2015 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2609

Re: Checklist for buying a new car

The last time I bought a car, the sales agreement included a clause specifying arbitration and I would be giving up my right to sue them. Although I have never sued anyone, and have no expectation of suing a car dealer, I objected to giving up my legal rights. They insisted that I could not cross o...
by cheese_breath
Wed Jan 21, 2015 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Checklist for buying a new car
Replies: 21
Views: 1789

Re: Need a good place to store my cash

would rather have some money available to buy stocks when they are cheap If I could time the market I'd rather have it all in stocks until the peak and then sell it all just before the drop. I would make so much it wouldn't matter where I was holding it while I was waiting for the bottom. But alas ...
by cheese_breath
Wed Jan 21, 2015 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a good place to store my cash
Replies: 20
Views: 1316

Re: Keurig-cup coffee makers - why?

I told myself I would never buy a Keurig coffee maker as I could not justify the cost as you have pointed out( I also did the math). Well my spouse wanted one for Xmas so we purchased one from Amazon. We have 2 coffee pots in the kitchen ,Keurig and a drip coffee maker that I like for Folgers Black...
by cheese_breath
Wed Jan 21, 2015 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 67
Views: 4740

Re: Need a good place to store my cash

Michael_Fisher1 wrote:And when you have everything invested and you lose your principle? ;)



surfstar wrote:I recommend the Total Stock Market.

Seems to outperform cash over time [AND timing].

If you're invested in TSM you won't lose your principal unless you bail out during a downturn. Just give it time to recover.
by cheese_breath
Wed Jan 21, 2015 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a good place to store my cash
Replies: 20
Views: 1316

Re: Need a good place to store my cash

Do you expect different answers than the ones you got to your similar question last October?

viewtopic.php?f=1&t=149149
by cheese_breath
Wed Jan 21, 2015 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a good place to store my cash
Replies: 20
Views: 1316

Re: Unsolicited VISA card from tigo ?

Always check Wiki

http://en.wikipedia.org/wiki/Millicom

And if you Google Tigo you can explore some of their verious country websites.

Maybe you have the honor of being their first foray into North America.
by cheese_breath
Wed Jan 21, 2015 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unsolicited VISA card from tigo ?
Replies: 1
Views: 245

Re: Ethics of an advisor "handing you off" to a colleague

Forget what the company says it prides itself on. It doesn't. It's business, and your (former) FA has more lucrative business than you provide him.
by cheese_breath
Wed Jan 21, 2015 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethics of an advisor "handing you off" to a colleague
Replies: 38
Views: 2910

Re: Home-owners insurance - Bundle with auto insurance?

If you're only considering homeowners and auto I'm unaware of any other advantages to bundling, and I'd go wherever you get the best deals. But if you're also considering other products too bundling might help. For example some companies won't sell you an umbrella policy unless you have your homeown...
by cheese_breath
Wed Jan 21, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: Home-owners insurance - Bundle with auto insurance?
Replies: 7
Views: 641

Re: Checklist for buying a new car

... Sign the paperwork -- what does this involved?... It involves signing and dating the paperwork where it says to. But before signing read it thoroughly to make sure it's what you agreed to, and make sure you get a copy for yourself. Are you getting a new plate or transferring a plate from anothe...
by cheese_breath
Wed Jan 21, 2015 10:15 am
 
Forum: Personal Consumer Issues
Topic: Checklist for buying a new car
Replies: 21
Views: 1789

Re: Is my employer's 'retiree' practice common?

Pretty common I think. When I retired at 56 GM considered me a former employer until I started taking my pension. During that time I was ineligible for the retiree discount on GM cars, but became eligible when I began drawing the pension.
by cheese_breath
Wed Jan 21, 2015 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my employer's 'retiree' practice common?
Replies: 16
Views: 2469

Re: Google Chrome: is this a mega security problem?

VictoriaF wrote:
cheese_breath wrote:
VictoriaF wrote:....P.S. I have just realized that this thread is about Browser having an issue with another browser.

So this is all about browser envy? He's jealous because we're using a different browser? :P


The OP Browser is more suitable to this Forum, because he is capitalized.

Victoria

Capital idea!!
by cheese_breath
Tue Jan 20, 2015 11:20 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6550

Re: Google Chrome: is this a mega security problem?

VictoriaF wrote:....P.S. I have just realized that this thread is about Browser having an issue with another browser.

So this is all about browser envy? He's jealous because we're using a different browser? :P
by cheese_breath
Tue Jan 20, 2015 10:44 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6550

Re: Google Chrome: is this a mega security problem?

Personally I like the idea that I can keep my Chrome browsers on my PC and my Chromebook synched without having to manually do it myself. But if this concerns some maybe they shouldn't store anything in the cloud where others might get at it.
by cheese_breath
Tue Jan 20, 2015 10:16 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6550

Re: Capital Gains help

Are these long or short term gains, and what tax bracket are you in?
by cheese_breath
Mon Jan 19, 2015 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 18
Views: 948

Re: spousal or partner frugality comparison poll

Winds and tides. When I was still working I was the frugal one, saving and investing for retirement. But now that I'm retired she's the frugal one, fearful of outliving our assets. That won't happen, but I'm afraid if of her turning back into a frivolous one if I tell her we have nothing to worry ab...
by cheese_breath
Mon Jan 19, 2015 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: spousal or partner frugality comparison poll
Replies: 18
Views: 1811

Re: Land - Me or my Neighbor

When the subdivision was first put in, land clearers came onto my property and cut 2 acres of trees before being noticed. What happened about that? Funny coincidence. Several years ago my wife noticed people cutting down trees in the woods behind us for firewood, panicked and called 911. The cops w...
by cheese_breath
Mon Jan 19, 2015 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3411

Re: Land - Me or my Neighbor

Also, if one of you (OP or neighbor) just puts a board saying it is private property and if then someone falls and files claim, can they be counter sued for trespassing a private property? I'm not sure OP has the authority to put a 'Private Property' sign on his neighbor's property. But let's assum...
by cheese_breath
Mon Jan 19, 2015 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3411

Re: Land - Me or my Neighbor

Leeraar wrote:... You've been maintaining it for 33 years. Why worry now?...

You have to be kidding. I haven't made a claim on my homeowners insurance for 33 years. Guess I might as well cancel it. Why worry now?
by cheese_breath
Mon Jan 19, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3411

Re: Land - Me or my Neighbor

IANAL, but: If you maintain it for your own aesthetics, that should be OK. Others using the property, that is your neighbor's problem. That should also not be much of an issue, unless the land contains an attractive hazard, such as a pond or playground equipment. Talk to your insurance agent. If yo...
by cheese_breath
Mon Jan 19, 2015 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3411

Re: Land - Me or my Neighbor

IANAL, but: If you maintain it for your own aesthetics, that should be OK. Others using the property, that is your neighbor's problem..... If I was injured, maybe by something as simple as tripping over a rock, I might be tempted to sue everybody I could think of including the property owner and th...
by cheese_breath
Mon Jan 19, 2015 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3411

Re: Land - Me or my Neighbor

mtcyenom wrote:...the land is closer to me. it is land I view daily from my back window.

it is in the back of my neighbors property. Im concerned that my neighbor will not maintain the property. out of sight, out of mind to them.

Are privacy fences allowed where you live? Have you considered one?
by cheese_breath
Mon Jan 19, 2015 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3411

Re: Land - Me or my Neighbor

If you're going to continue maintaining it check with your insurance company to see if you're covered in case someone is injured and sues you. I doubt your homeowner's would cover it since it's not your property. Do you have umbrella insurance? I slipped on wet grass once and twisted my knee when I ...
by cheese_breath
Mon Jan 19, 2015 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3411

Re: Land - Me or my Neighbor

My non-legal opinion is unless you've filed an adverse possession claim the land still belongs to your neighbor. But I'd let him maintain it from now on so someone doesn't blame you for an injury claiming improper maintenance of the property.
by cheese_breath
Mon Jan 19, 2015 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3411

Re: Account disclosure requirements for refinance

I didn't ask them for their reason, but I do know that they have worked with the same mortgage broker lady for every mortgage they have ever done, and apparently their previous disclosure requirements have been far less so they were shocked by these requirements. Well that happens sometimes. Were t...
by cheese_breath
Mon Jan 19, 2015 12:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Account disclosure requirements for refinance
Replies: 20
Views: 905

Re: Account disclosure requirements for refinance

Even though your friends may have a single account that can cover the loan 2-3 times over I wonder if the lender is looking for other places to recover his money from if they stop paying and empty that account. Rather than hiding information maybe it's best for them to discuss this with the lender, ...
by cheese_breath
Mon Jan 19, 2015 12:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Account disclosure requirements for refinance
Replies: 20
Views: 905

Re: Account disclosure requirements for refinance

If I was a loan officer I might be suspicious of what might be lurking in the accounts they refuse to disclose. Hmmm, I'm not sure I'm following your train of thought. Any examples of suspicious things you had in mind? Absolutely no idea, but when someone keeps secrets it tends to make people suspi...
by cheese_breath
Sun Jan 18, 2015 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Account disclosure requirements for refinance
Replies: 20
Views: 905

Re: Account disclosure requirements for refinance

I don't know of any law that says they have to disclose these things, but OTOH the lender isn't required to approve the loan if they don't. Will they be informing the lender there are other accounts they don't wish to share? If I was a loan officer I might be suspicious of what might be lurking in a...
by cheese_breath
Sun Jan 18, 2015 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Account disclosure requirements for refinance
Replies: 20
Views: 905

Re: What was your costliest investment mistake?

Thinking my company stock would keep going up because it had a great run for the last ten years.
by cheese_breath
Sun Jan 18, 2015 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9584
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