Search found 2875 matches

Return to advanced search

Re: The Boglehead-prisoner’s dilemma.

Collectable sports cards.
by cheese_breath
Thu Jul 31, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: The Boglehead-prisoner’s dilemma.
Replies: 26
Views: 2570

Re: Kroger for Gasoline

Don't worry because it won't always be this way. New stations will typically have a lower ppg in order to attract new customers. Once the attraction is finished, the price will match demand. But you have contributed to the buzz to get people to try the new station out which is exactly what the lowe...
by cheese_breath
Thu Jul 31, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 14
Views: 957

Re: First time home buyer ?'s

3. Is it necessary to move all of our down payment money in to one account, separate of other accounts, prior to getting pre-approved? For example, take money out of taxable investment accounts? The only thing I would suggest is to have your down payment is something stable such as FDIC insured sav...
by cheese_breath
Wed Jul 30, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: First time home buyer ?'s
Replies: 15
Views: 866

Re: I don't think I can afford to die in Pennsylvania

Agree with jimb and runner. It's your life and your money. If you want to move to another state so they receive 100% it's your choice. If you want to stay in PA and they only get 85% that's your choice too. If they can't be grateful for getting 85% maybe you should choose different heirs.
by cheese_breath
Wed Jul 30, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: I don't think I can afford to die in Pennsylvania
Replies: 35
Views: 2983

Re: Public Speaking-help

.... One thing that helps me is to remember that I'm the one speaking because I'm the one who knows the most about the subject among the attendees.... I know it's easier said than done, but instead of focusing on the dread of speaking focus on the opportunity it gives you to show the audience what ...
by cheese_breath
Tue Jul 29, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 68
Views: 3352

Re: Permit for expanding existings deck

Ask the municipality where you live.
by cheese_breath
Sun Jul 27, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Permit for expanding existings deck
Replies: 10
Views: 677

Re: Buying a Home - Town permit records don't match disclosu

This has been a good thread to read and I have pariticpated in it. Reading the OPs last response (a few above this) and all of them, it is entirely unclear to me why he sought any advice as he has dismissed everything. That does not detract from the value of the thread to others of course and I hav...
by cheese_breath
Sun Jul 27, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3488

Re: Buying a Home - Town permit records don't match disclosu

wilked wrote:... My realtor ...

Is he really YOUR realtor? How much are you paying him? He gets a commission from the seller. It's in his best interest to get this house sold, but it might not be in your best interest to buy it.
by cheese_breath
Sun Jul 27, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3488

Re: Buying a Home - Town permit records don't match disclosu

We waived inspection as part of our offer (and while this might be crazy to many, I do believe it is the only reason we won the offer). I'm surprised I didn't notice this sooner because it stands out as a big red flag. Why would the sellers choose the offer that waived the inspection over the other...
by cheese_breath
Sun Jul 27, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3488

Re: best place to buy kitchen appliances

If you know the exact make and model you want you can probably buy it online and have it delivered for considerably less than the brick and mortar stores. Just make sure it carries the manufacturer's warranty in case you have any problems. We bought our last refrigerator online from Best Buy (yes Be...
by cheese_breath
Sun Jul 27, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: best place to buy kitchen appliances
Replies: 15
Views: 1107

Re: Buying a Home - Town permit records don't match disclosu

Rainier wrote:Not sure I would care. Might be able to use as a bargaining chip to get the price down.

If you really want the house this isn't going to change anything, you are still going to close.

Hope when OP gets ready to sell some years down the road his potential buyers will be as forgiving.
by cheese_breath
Sat Jul 26, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3488

Re: Buying a Home - Town permit records don't match disclosu

The town's records rules. Doesn't matter what the seller or contractors say. I would back out unless you can get the permits (if they ever existed) or get the town to waive them. I'd be really surprised if any town waived them. Usually the permits are granted subject to inspections (think electrica...
by cheese_breath
Sat Jul 26, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3488

Re: Buying a Home - Town permit records don't match disclosu

The town's records rules. Doesn't matter what the seller or contractors say. I would back out unless you can get the permits (if they ever existed) or get the town to waive them.
by cheese_breath
Sat Jul 26, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3488

Re: Rather be Home, Rather be at Work

I'm retired, and in my entire career I can't think of one day I'd rather have been at work than home.
by cheese_breath
Sat Jul 26, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 19
Views: 1902

Re: RMD's

How should her portfolio look to account for the fact that she is going to need to be with drawing money from it on a regular basis to satisfy the RMD requirement? Probably depends on where it is. Vanguard will prorate the RMD withdrawals from all the funds in my IRA so they remain in the same prop...
by cheese_breath
Sat Jul 26, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: RMD's [Required Minimum Distributions]
Replies: 11
Views: 1057

Re: A.C or No A.C?

Where do you live? A high humidity area would have different requirements than one with lower humidity. I never lived in an air conditioned house until 1984 (MI and CA) and didn't have any floor problems.
by cheese_breath
Sat Jul 26, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: A.C or No A.C?
Replies: 12
Views: 848

Re: Public Speaking-help

You have to face the problem head on, not think of ways to avoid it as some posters suggest. This probably won't be the last time you're asked to speak before a large group, and you can't avoid them all. Investigate the solutions already suggested (except the one suggesting drugs) and then suck it u...
by cheese_breath
Sat Jul 26, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 68
Views: 3352

Re: Fraudulent Charges Mystery

Every time your card leaves your physical possession, for example waiters at restaurants, there's a possibility someone will copy the numbers off them.
by cheese_breath
Sat Jul 26, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Charges Mystery
Replies: 21
Views: 2662

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

seamonkey wrote:What not to do:

"Go to bogleheads.com."

Why not? Don't they empower the individual investor? :shock:
by cheese_breath
Fri Jul 25, 2014 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16115

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

"Expenses don't matter. It's what ends up in your pocket that counts."

Ah, if it only turned out that way.
by cheese_breath
Fri Jul 25, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16115

Re: Obtaining Legal Counsel?

Definitely need a lawyer. You don't know what was in the syringe or who the needle has been in. Have yourself and the syringe thoroughly examined, but under the direction of a good lawyer to make sure all the legal procedures are followed in doing it.
by cheese_breath
Fri Jul 25, 2014 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Obtaining Legal Counsel?
Replies: 51
Views: 3094

Re: Steps to take to prevent ID theft?

I'd be more concerned with the Credit Karma than the credit card. Somebody might have your SSN. Run all three credit reports and institute freezes on all three. Hopefully it's overkill, but better to be safe than sorry.
by cheese_breath
Thu Jul 24, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Steps to take to prevent ID theft?
Replies: 22
Views: 1959

Re: Old Mortgage about to 'fall off' credit report - now wha

I paid off my home in 2001, and my credit report only shows credit cards plus one utility. I don't know why the utility is there, but I always pay it each month so it can't hurt. According to Discover my FICO is above 800. I always charge at least one item to each card every month, and the CR shows ...
by cheese_breath
Thu Jul 24, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Old Mortgage about to 'fall off' credit report - now what?
Replies: 13
Views: 1413

Re: Advice: Switched Job, New Company has no 401k Till Octob

October 1 is less than 2 1/2 months away. Unless your current 401K is really, really miserable I'd just wait until the new plan comes on line. Even then it isn't a given you'd want to roll your current 401K into the new one. Evaluate all your options before doing anything.
by cheese_breath
Wed Jul 23, 2014 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice: Switched Job, New Company has no 401k Till October
Replies: 2
Views: 281

Re: AAA worth it? I have Allstate

I know how to change a tire too, but one of the benefits of old age is having AAA do it for you.
by cheese_breath
Tue Jul 22, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 3107

Re: Buying in ok neighborhood vs good neighborhood

I'd also be concerned about either neighborhood being too close to the "crime part of town" if you plan staying there 18 years. If history repeats, and it usually does, in 18 years either or both might well be in the "crime part of town." But given the likelihood that you probabl...
by cheese_breath
Tue Jul 22, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1694

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: 69
Views: 4141

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: 3589

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: 23
Views: 2932

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: 58
Views: 3529

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: 989

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: 13707

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: 9256

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: 2277

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: 30
Views: 3773

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: 878

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: 878

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: 2965

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: 878

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: 679

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: 2023

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: 112
Views: 7295

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: 2965

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: 9256

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: 2965

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: 3972

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: 941

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: 644

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: 2968

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: 644
Next

Return to advanced search