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Re: Dilbert Mints

jimb_fromATL wrote:When things don't go well, disappoint-mints.

jimb

And embarrass-mints too.
by cheese_breath
Thu Apr 24, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Dilbert Mints
Replies: 14
Views: 651

Re: Dilbert Mints

dl7848 wrote:Enforce-mints - LadyGeek has a whole stash of these ready to disseminate into threads

Enforcing the guidelines of the forum's govern-mint?
by cheese_breath
Wed Apr 23, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Dilbert Mints
Replies: 14
Views: 651

Re: Dilbert Mints

Fallible wrote:I've never been able to come up with clever wordplay like this, but it's fun to watch so I'll just enjoy what you all are coming up with. :)

It's easy. Just take some words and experi-mint.
by cheese_breath
Wed Apr 23, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Dilbert Mints
Replies: 14
Views: 651

Re: Dilbert Mints

Leeraar wrote:Pay-Mints

Late pay-mints can lead to garnish-mints and possible harass-mints, and that's no imaginary fig-mint.
by cheese_breath
Wed Apr 23, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Dilbert Mints
Replies: 14
Views: 651

Re: Where would you retire, if $ were no object?

U.S. - Santa Barbara, CA
Overseas - suburban Melbourne, Australia
by cheese_breath
Wed Apr 23, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 60
Views: 3218

Re: What to say to financial planners/insurance brokers

as to the personal relationships. I would simply say that it is my practice to not mix business with friends, neighbors and relatives. investor As to the rest... There's no way to stop them. If it's a phone call just say "Not interested thank you." and hang up. If it's an Email delete it.
by cheese_breath
Tue Apr 22, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to financial planners/insurance brokers
Replies: 11
Views: 792

Re: Sell, trade, or keep 2nd car?

You say you don't need a car, but then you might need one to putt around town when wife is using hers. I'm going on the premise that you don't need a car. This rules out trading the BMW in for a Civic. So do you keep it, or sell it? I haven't been in this exact situation, but I have been in situatio...
by cheese_breath
Tue Apr 22, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Sell, trade, or keep 2nd car?
Replies: 9
Views: 515

Re: POLL: If Eligible For Social Security .....

There seem to be so many discussions focused on age and lifespan that I think some people forget there are other factors to consider when making the decision on taking SS. For example, do you need additional money for living expenses? And if so where do you get it from, SS or someplace else? That wa...
by cheese_breath
Mon Apr 21, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3175

Re: POLL: If Eligible For Social Security .....

Wife and I both took ours at 62, as soon as we were eligible.
by cheese_breath
Sat Apr 19, 2014 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3175

Re: Help select laptop

OK, I will probably not get MS Office. What is a good target for memory, processor? Something that is adequate. For what you say you want to do, not using MS Office and storing everything in the cloud, I could accomplish that on my 2 gig Chromebook. But to reiterate my previous recommendation, get ...
by cheese_breath
Sat Apr 19, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1427

Re: POLL: why carry cash?

sscritic wrote:And no one has yet mentioned cocaine? And what about just old fashioned germs and dirt? ....

Not to turn this into a medical discussion, but what doesn't kill you makes you stronger.
by cheese_breath
Sat Apr 19, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7427

Re: POLL: why carry cash?

gvsucavie03 wrote:I think time savings is the silliest excuse of all to pay with a credit card... 15 seconds, really? Is your livelihood/standard of living based on a measly 15 seconds? ....

+1 It takes me at least 15 seconds per CC receipt to reconcile them to my monthly statement.
by cheese_breath
Sat Apr 19, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7427

Re: POLL: why carry cash?

Sometimes I'll pay cash for minor purchases like a newspaper or cup of coffee. Otherwise I use my CC for just about everything.
by cheese_breath
Sat Apr 19, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7427

Re: Over-55 communities a ripoff?

So do garbage trucks. How do you tell if it's a medical or trash issue? Or maybe it's both? Do the chirps have different tones? There were rules against garbage pickup after midnight. If only they had had a similar rule against medical emergencies. So before midnight it's garbage, after midnight it...
by cheese_breath
Thu Apr 17, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2711

Re: Tried to get credit report - security questions don't ma

Some problem with Equifax for both myself and my wife. No problems with the other two agencies.
by cheese_breath
Thu Apr 17, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 53
Views: 6115

Re: Over-55 communities a ripoff?

Children, or lack thereof. I did not buy, but rented in an over-55 apartment complex. It was eerily quiet, the silence broken only by the sounds of the emergency vehicles coming after midnight to take away those who would never return (over 55 includes a lot of really over 55). If you like silence ...
by cheese_breath
Thu Apr 17, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2711

Re: Over-55 communities a ripoff?

I wonder why some people 'downsize' by selling their big inner city homes and moving to smaller, more expensive homes in the suburbs. Are the suburban homes ripoffs too? I was thinking of selling my big suburban home and being ripped off by buying a loft in downtown LA.... So what goes around comes...
by cheese_breath
Thu Apr 17, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2711

Re: Over-55 communities a ripoff?

I wonder why some people 'downsize' by selling their big inner city homes and moving to smaller, more expensive homes in the suburbs. Are the suburban homes ripoffs too?
by cheese_breath
Thu Apr 17, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2711

Re: Over-55 communities a ripoff?

People are free to buy or not buy as they choose. As long as they know what they're getting for the price they pay it's not a ripoff. If they don't think it's worth the price they don't have to buy.
by cheese_breath
Thu Apr 17, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2711

Re: The Unemployment Game Plan

You don't know how long you will be unemployed so I would say: 1) Kill the car loan, rest go into savings. Stop mid term investing as you may need it when unemployment benefits run dry. 2) Yes, again, you dont know how long you will be unemployed, if you gain employment soon you can catch back up 3...
by cheese_breath
Thu Apr 17, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: The Unemployment Game Plan
Replies: 12
Views: 946

Re: The Unemployment Game Plan

You don't know how long you will be unemployed so I would say: 1) Kill the car loan, rest go into savings. Stop mid term investing as you may need it when unemployment benefits run dry. 2) Yes, again, you dont know how long you will be unemployed, if you gain employment soon you can catch back up 3...
by cheese_breath
Thu Apr 17, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: The Unemployment Game Plan
Replies: 12
Views: 946

Re: Help select laptop

If you plan to keep it for awhile I'd recommend getting more PC than you need right now or think you'll need in the future. My experiences have been... ... Just about every software upgrade requires more PC resources than the previous version. ... Over time I find myself liking and using features I ...
by cheese_breath
Thu Apr 17, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1427

Re: Reinvesting dividends in securities individually?

Hello, I have a few stocks that I rolled into an IRA in a Vanguard brokerage services (VBS) account from Wells Fargo Advisors (WFA). The stocks were purchased by my WFA advisor at the time (before I was aware of indexing). They have lost some money so I am holding on to them until I can recover som...
by cheese_breath
Wed Apr 16, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends in securities individually?
Replies: 3
Views: 211

Re: Question regarding security door

Phineas J. Whoopee wrote:..... 2) How strong do the doors need to be to convince a determined breaker-and-enterer to use a window? ....

Are your windows as secure as your doors will be?
by cheese_breath
Tue Apr 15, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Question regarding security door
Replies: 11
Views: 795

Re: Can this 4% CD be trusted?

Sun Cities is specifically mentioned in this article...

http://www.wyll.com/finances/11708628/
by cheese_breath
Tue Apr 15, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: Can this 4% CD be trusted?
Replies: 21
Views: 2423

Re: financial advisor

How does he help them with their finances? Do they have anything to compare his performance against?
by cheese_breath
Tue Apr 15, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: financial advisor
Replies: 6
Views: 395

Re: I'm on a mission for more security

Get a good shredder. Install a good home security system and/or sign up for home security monitoring service. Once a thief gets into your house he can walk out with any financial records you have there.
by cheese_breath
Tue Apr 15, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1561

Re: Selling high buying high

If you sold high you probably had capital gains. If you're in the 10% or 15% tax brackets you won't have to pay any federal tax on them. Plus you established a new, higher basis when you bought the mutual funds.
by cheese_breath
Fri Apr 11, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling high buying high
Replies: 3
Views: 472

Re: Bannability Index

Does this mean your TI (tolerability index) is 10,644/10,875 = 0.97876? Not too shabby. My wife always tells me I'm intolerable, so I guess my TI = 0.0000.
by cheese_breath
Fri Apr 11, 2014 9:49 am
 
Forum: Forum Issues and Administration
Topic: Bannability Index
Replies: 10
Views: 744

Re: Question Owner Financing

I've been poking around the Internet and it appears you can gift your spouse any amount tax free, but I can't find the specific IRS rule for this. So I suggest you don't do anything until one of the experts posts something.
by cheese_breath
Thu Apr 10, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Question Owner Financing
Replies: 11
Views: 562

Re: Question Owner Financing

You can't write four checks because that would be four gifts from you and none from your spouse. This part I'm not sure of so I'm hoping someone else will chime in and correct me where I'm wrong. I don't think you can write two checks to hubby because that would be gifting him $28,000, which would r...
by cheese_breath
Thu Apr 10, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Question Owner Financing
Replies: 11
Views: 562

Re: Question Owner Financing

IMO loaning money to family members is fraught with dangers, even in the best families. I won't go into details because there are lots of other threads here that give many examples. But I would ask, what would happen if your military SIL gets transferred? Would they want to sell the house, keep it, ...
by cheese_breath
Thu Apr 10, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Question Owner Financing
Replies: 11
Views: 562

Re: Alternative to a car

Does her retirement community or local senior center have a shuttle bus service she could use? Just about every afternoonI I go to Kroger's there is a senior's shuttle bus letting them off to do their grocery shopping or loading them to take them back home.
by cheese_breath
Wed Apr 09, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 34
Views: 2227

Re: New TV or Sound bar?

I have a Panasonic Viera TH50PX80U 50" Plasma HDTV. The picture still looks great but the sound (especially with movies) often sounds muffled to the point where it needs to be turned up pretty loud to hear what people are saying. In most of the new sets today the sound either comes out of the ...
by cheese_breath
Tue Apr 08, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2229

Re: New TV or Sound bar?

It also only has two HDMI ports on the back and I have 4 devices to connect (DVD player, Uverse set top box, XBox and Chromecast) so I'm occasionally switching cords. Mine also has only two HDMI ports. I ended up buying a HDMI switch from Monoprice so I didn't have to keep switching cables. http://...
by cheese_breath
Tue Apr 08, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2229

Re: Reel Lawn Mowers

Many years ago I bought a power reel mower when my rotary mower gave up the ghost because I heard reels are less damaging to the grass. My experience was it did an OK job but wasn't as good on thick grass as the rotary models. Granted this was many years ago, but I doubt the basic technologies have ...
by cheese_breath
Tue Apr 08, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Reel Lawn Mowers
Replies: 19
Views: 971

Re: Merrill Lynch

bottlecap wrote:Why in the world would you believe a Merrill Lynch salesperson? :oops:

JT

Do you believe in the tooth fairy too?
by cheese_breath
Mon Apr 07, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch
Replies: 19
Views: 1694

Re: temp power of attorney for specific purpose of selling h

While it's possible MI may have changed their laws, when my family moved to CA many decades ago parents gave my grandfather POA for selling their MI house.
by cheese_breath
Sun Apr 06, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: temp power of attorney for specific purpose of selling house
Replies: 7
Views: 393

Re: Do Advisors Help or Hinder?

Advisors help .... themselves.
by cheese_breath
Sun Apr 06, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Do Advisors Help or Hinder?
Replies: 7
Views: 617

Re: Time for Internet Explorer 11?

whaleknives wrote:You're obviously not married to a Luddite.

She used to be until she discovered eBay, doll and teddy bear forums, American Bandstand fan club, et. all.
by cheese_breath
Sun Apr 06, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1141

Re: Time for Internet Explorer 11?

whaleknives wrote:Do you have a way of test driving 11 for the sites you (meaning your wife) use?

Unfortunately Google is her friend. Whenever she gets something new in her mind she goes to Google, and who knows where that will take her.
by cheese_breath
Sun Apr 06, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1141

Time for Internet Explorer 11?

I don’t like to be a pioneer when it comes to installing new software releases. (You can always tell the pioneers. They’re the ones with the arrows in their backs.) But now that IE 11 has been out for several months I’m wondering if the bugs have been worked out, and it’s time to upgrade from IE 10....
by cheese_breath
Sun Apr 06, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Time for Internet Explorer 11?
Replies: 19
Views: 1141

Re: Buying for someone who "has everything"

Donate to your favorite charity in your name.
by cheese_breath
Fri Apr 04, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2307

Re: "78%" Of course ?

And, of course, 78% of all internet-posted statistics are made up. GD: Where did you find the "78%" figure? Thank you and best wishes. Taylor I quote: "78% of all internet-posted statistics are made up." - Abraham Lincoln. That ought to put a bow on this little debate. And Abe d...
by cheese_breath
Fri Apr 04, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Please help identify quote: I'm richer than he because...
Replies: 28
Views: 2782

Re: Best TV Shows and YouTube channels related to money?

Beverly Hillbillies? They had money and their banker (Mr. Drysdale) as their next door neighbor. Just about every episode had something to do with their money.
by cheese_breath
Fri Apr 04, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1101

Re: Preventing Office Theft of Food and Other Stuff

In "Predictably Irrational" Dan Ariely describes experiments with different tempting items put into college-dorm refrigerators. When a bundle of Coca-Cola cans was placed in, all the cans have disappeared fairly quickly. When a plate with one-dollar bills was placed in (of equivalent valu...
by cheese_breath
Fri Apr 04, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5203

Re: Preventing Office Theft of Food and Other Stuff

Never had anything of value other than a few Pepsis from the refrigerator.
by cheese_breath
Fri Apr 04, 2014 7:45 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5203

Re: Banks With Higher Interest Rate Savings Accounts/MMA

Ally ever since it was GMAC Bank. No problems ever.
by cheese_breath
Thu Apr 03, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Banks With Higher Interest Rate Savings Accounts/MMA
Replies: 6
Views: 540

Re: "78%" Of course ?

And, of course, 78% of all internet-posted statistics are made up. GD: Where did you find the "78%" figure? Thank you and best wishes. Taylor I quote: "78% of all internet-posted statistics are made up." - Abraham Lincoln. That ought to put a bow on this little debate. And Abe d...
by cheese_breath
Thu Apr 03, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Please help identify quote: I'm richer than he because...
Replies: 28
Views: 2782
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