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Re: Vinyl Siding over wood

dbCooperAir wrote:I never understood the concept of going over the old crap, its like doing a pile of bodywork on car, repainting it and never looking under the hood.

More like painting over rust.
by cheese_breath
Fri Oct 31, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Vinyl Siding over wood
Replies: 14
Views: 1166

Re: Can't View Thread

kaneohe wrote:interesting...I've seen locked threads which you can view but not post but never heard of removed ones. Didn't see anything that would have made me think it would be removed.

You can send a PM to the moderator if you would like an explanation of why it was removed.
by cheese_breath
Fri Oct 31, 2014 11:44 am
 
Forum: Forum Issues and Administration
Topic: Can't View Thread
Replies: 5
Views: 270

Re: Possibility of financial markets breakdown / transformat

Other... I'm hiding under my bed and hoping it doesn't happen.
by cheese_breath
Fri Oct 31, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Possibility of financial markets breakdown / transformation?
Replies: 8
Views: 750

Re: Question for AXA Financial Rep

My feeling is... unless you feel compelled to look intelligent in front of the other attendees don't say anything. Just sit through the presentation, and then go about your business as though it never happened.
by cheese_breath
Fri Oct 31, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: Question for AXA Financial Rep
Replies: 9
Views: 326

Re: Paying for new car with loan or IRA?

Do you really need a new car, or could you get by with a good used car?
by cheese_breath
Fri Oct 31, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: Paying for new car with loan or IRA?
Replies: 12
Views: 419

Re: Vinyl Siding over wood

What is the problem with attaching the vinyl to sound wood siding? The key word here is the word "sound". A lot of these companies want to attach the vinyl to whatever wood's there. I certainly don't have the expertise to inspect for all possible hidden problems, nor do I want to climb tw...
by cheese_breath
Fri Oct 31, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Vinyl Siding over wood
Replies: 14
Views: 1166

Re: What to ask for when negotiating a severance package?

... Similarly, you may have leverage power if they need to you "pass on" your work to co-workers i.e. explain the flow or other details.... Are you suggesting refusing to participate in work turn over tasks as a strategy to gain a better severance package? That strategy presents a danger ...
by cheese_breath
Thu Oct 30, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 20
Views: 1404

Re: Can't View Thread

When you get this message it usually means a moderator has removed the thread.

Maybe we can get a moderator to answer OP's question?
by cheese_breath
Thu Oct 30, 2014 10:05 pm
 
Forum: Forum Issues and Administration
Topic: Can't View Thread
Replies: 5
Views: 270

Re: What to ask for when negotiating a severance package?

Bacchus01 wrote:Severance will mean squat in the grand scheme if your life. Start looking for a job.

+1
That's probably the best comment in this thread so far. Even better than mine. :D
by cheese_breath
Thu Oct 30, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 20
Views: 1404

Re: What to ask for when negotiating a severance package?

My $0.02: If you are working on a special project or they need you to finish something that would require you stay for a certain amount of time after the layoffs are announced, you might have a little room for negotiation. As in "If I agree to stay long enough to wrap up project X what would y...
by cheese_breath
Thu Oct 30, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 20
Views: 1404

Re: What to ask for when negotiating a severance package?

…. Regardless, what does "less than favorable terms" mean and why should someone truly be concerned about that? I suspect that every employer would prefer that their no-longer-wanted (or needed) employees would simply leave on their own accord and that no severance package was paid out at...
by cheese_breath
Thu Oct 30, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 20
Views: 1404

Re: What to ask for when negotiating a severance package?

The only time I have ever heard of someone negotiating a severance package is a CEO who won't come in without a golden parachute. When you are hired and sought after is when you have the most negotiating power. Even one of two months severance is chump change. That's what your EF is for. I'd take w...
by cheese_breath
Thu Oct 30, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 20
Views: 1404

Re: What to ask for when negotiating a severance package?

You can ask for anything you want, but if you are laid off you have ZERO leverage to negotiate. This isn't necessarily true. Sometimes, the promise not to sue* is worth something... Well of course you can threaten to sue over anything. But unless you have good evidence you're be unfairly targeted c...
by cheese_breath
Thu Oct 30, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 20
Views: 1404

Re: Joint accounts or separate accounts for married couples?

Grt2bOutdoors wrote:I didn't know that the "law" dictates how much a married or unmarried couple is permitted to keep in joint accounts. :confused Must be some "new law" that is out there. :shock:

Things like IRAs are not permitted to be held jointly.
by cheese_breath
Thu Oct 30, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 35
Views: 1497

Re: Joint accounts or separate accounts for married couples?

I didn't choose an option because I agree there is no right or wrong answer. My wife and I keep everything in joint accounts, but I'm not about to tell others they should do the same.
by cheese_breath
Thu Oct 30, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 35
Views: 1497

Re: What to ask for when negotiating a severance package?

You can ask for anything you want, but if you are laid off you have ZERO leverage to negotiate. If you have a good relationship with your direct manager you might consider casually mentioning your concern to him. He may not cancel your layoff, but maybe a good word from someone at his level might he...
by cheese_breath
Thu Oct 30, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 20
Views: 1404

Re: Medicare Part D

An exception to the late enrollment penalty is if you have creditable coverage through another prescription plan (such as a retiree plan) and switch to a part D plan later. Note however, not all other plans are creditable. There are specific standards a plan must meet to be considered creditable.
by cheese_breath
Wed Oct 29, 2014 11:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D
Replies: 22
Views: 1158

Re: Brother-in-law w/ CC Debt

A drawback might be if he followed your advice and it blew up in his face later because the collection agency found the records, family picnics might be very uncomfortable in the future.
by cheese_breath
Wed Oct 29, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother-in-law w/ CC Debt
Replies: 36
Views: 3220

Re: Medicare Part D

Remember there is a penalty if you don't participate in Plan D (even if you have no prescriptions). I had no idea. Here it is: http://www.medicare.gov/part-d/costs/penalty/part-d-late-enrollment-penalty.html Actually the penalty only applies if you enroll in Part D later. If you never enroll there ...
by cheese_breath
Wed Oct 29, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D
Replies: 22
Views: 1158

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

Reminds me of the stories about the transition from having to rent a phone from "Ma Bell" and being able to buy your own phone. Many stories circulated about people not realizing they could buy their own phone and paying rental charges on antiquated phones for years. That was my MIL. One ...
by cheese_breath
Wed Oct 29, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3563

Re: Vinyl Siding over wood

I looked into replacing my wood siding with vinyl several years ago. They wanted to do it right over the wood and wouldn't even consider tearing it off first. We looked at some houses where they had installed the vinyl over wood and frankly the windows looked ugly. We decided forgo vinyl to keep the...
by cheese_breath
Tue Oct 28, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Vinyl Siding over wood
Replies: 14
Views: 1166

Re: 39.6% Tax Bracket :(

There are some very smart people on this forum. I'm not one of them, but I suspect with that kind of income they would suggest you see a CPA.
by cheese_breath
Tue Oct 28, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: 39.6% Tax Bracket :(
Replies: 24
Views: 4529

Re: Do you dream about retirement?

I would often day dream about retirement, but never when I was asleep. Now that I am retired I find I'm much younger in my dreams than I am when I'm awake.
by cheese_breath
Tue Oct 28, 2014 12:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 90
Views: 5880

Re: Tax repercussions of five separate 529 accounts.

I don't know anything about 529's, but this document http://www.irs.gov/uac/529-Plans:-Questions-and-Answers says If you contribute to a 529 plan, however, be aware that there may be gift tax consequences if your contributions, plus any other gifts, to a particular beneficiary exceed $14,000 during...
by cheese_breath
Tue Oct 28, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax repercussions of five separate 529 accounts.
Replies: 9
Views: 856

Re: Tax repercussions of five separate 529 accounts.

...Right now, the amounts are pretty minimal, however if in the future, a grandparent gave me several thousand dollars, would it be a bad idea to deposit it in my bank account and then push it to the 529? .... ...Also, if anyone knows, what should I be doing to maximize any tax benefit I could rece...
by cheese_breath
Mon Oct 27, 2014 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax repercussions of five separate 529 accounts.
Replies: 9
Views: 856

Re: If holding cash, do you want a Great Depression?

Surely if you hold cash you want the market to crash, a great depression would be even better. Speaking for myself (and possibly others on this forum) I find this statement extremely offensive. To assume anyone would want a depression so (s)he could profit off other's misery is the lowest form of t...
by cheese_breath
Mon Oct 27, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: If holding cash, do you want a Great Depression?
Replies: 50
Views: 3919

Re: How often do you change your car's oil?

livesoft wrote:How about continually? I just add some oil every couple of years when I see enough has leaked out.

Reminds me of a beater I had a long time ago. Every gas station stop, top off the gas and top off the oil. Oil was cheap then, and I carried a 2 gallon can of the cheapest I could find in the trunk.
by cheese_breath
Thu Oct 23, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6235

Re: Buying a home / renting it to a friend

.... I know a lot of you will jump at the opportunity to say DON'T RENT TO A FRIEND, as it can cause bad relations.... So you already know the answer. What's the problem with his financial / credit situation? What is he doing to improve it? Why do you think making it "Very clear" will pre...
by cheese_breath
Thu Oct 23, 2014 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a home / renting it to a friend
Replies: 20
Views: 918

Re: How often do you change your car's oil?

Every 4,000-5,000 miles. This is less than the manufacturer's recommendations, but after a couple bad experiences following their recommendations I figure being a little on the safe side is worth a few extra bucks per year.
by cheese_breath
Thu Oct 23, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6235

Re: Spousal benefit question

I took my SS at 62, and my wife took her spousal benefits at 62 also. Of course both our benefits were reduced because we weren't FRA yet, but we both took them at 62. What I wonder is if you take yours at 62 and your wife takes spousal at 66, will hers be reduced any?
by cheese_breath
Thu Oct 23, 2014 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spousal benefit question
Replies: 1
Views: 260

Thunderbird [e-mail client] Question

After years of not trusting Google for my Email I've finally decided to make the switch from Comcast Email to Gmail. I want to set up T-Bird as client to both the Comcast and Gmail accounts during the transition. I've used T-Bird for multiple POP accounts before, but can it also handle POP (Comcast)...
by cheese_breath
Thu Oct 23, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Thunderbird [e-mail client] Question
Replies: 4
Views: 686

Re: VCR Head Cleaning

Except the cover's a little different that's the same thing we used back in VCR days. Did it help? I don't know. I couldn't tell the difference. But we never let it get dirty enough to tell the difference.
by cheese_breath
Thu Oct 23, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: VCR Head Cleaning
Replies: 13
Views: 1027

Re: Just wondering how you personally calculate net worth

I don't calculate net worth. I'm concerned about whether my investments and savings plus growth will cover my expenses plus inflation for the rest of my life. But if I was going to calculate net worth I'd include the value of everything I own ... house, cars, personal property, saving and investmen...
by cheese_breath
Wed Oct 22, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3724

Re: Just wondering how you personally calculate net worth

I don't calculate net worth. I'm concerned about whether my investments and savings plus growth will cover my expenses plus inflation for the rest of my life. But if I was going to calculate net worth I'd include the value of everything I own ... house, cars, personal property, saving and investment...
by cheese_breath
Wed Oct 22, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3724

Re: 2015 Medigap plan changes

When did the politicians pay any attention to CBO estimates and recommendations anyway?
by cheese_breath
Wed Oct 22, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 635

Re: 2015 Medigap plan changes

kaneohe wrote:
caroljm36 wrote:I don't but expected to get the big Medicare book this year and didn't. is it related I wonder?


I got the big book about 2 wks ago.

I got mine a few weeks ago too. You didn't accidentally opt out of the printed version did you?
by cheese_breath
Wed Oct 22, 2014 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 635

Re: 2015 Medigap plan changes

Thank you for the link. This link: http://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html also shows the deductible changes for 2015. I was just wondering about the changes in the individual medigap plans in case plan F changed. Not sure what kind of changes you are thin...
by cheese_breath
Wed Oct 22, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 635

Re: Estimated SS COLA for 2015

CNBC just said it's 1.7%

http://www.cnbc.com/id/102098379
by cheese_breath
Wed Oct 22, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Estimated SS COLA for 2015
Replies: 17
Views: 1818

Re: 2015 Medigap plan changes

Have you seen this? It says the plan F high deductible increases from $2,140 in 2014 to $2,180 in 2015.

http://www.medicare.gov/supplement-othe ... digap.html
by cheese_breath
Wed Oct 22, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 635

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

I called back United American Insurance and was told this time that Walmart was a Preferred Pharmacy and pricing was the same as CVS. Guess it depends on who you talk too. I agree there Web Site is not much good. So I am looking elsewhere. Apparently it also depends on which plan you choose. Accord...
by cheese_breath
Tue Oct 21, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1980

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
Tue Oct 21, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1980

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: 34
Views: 3563

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: 73
Views: 5225

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: 73
Views: 5225

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: 34
Views: 3009

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: 34
Views: 3009

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: 77
Views: 3799

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: 54
Views: 2569

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: 585

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: 1870
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