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by cheese_breath
Sat May 30, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving a Company
Replies: 30
Views: 2535

Re: Leaving a Company

I wouldn't be surprised if management found something for you to do that they considered more pressing than documenting procedures. Just do whatever they tell you during those two weeks, and if the documentation doesn't get done c'est la vie. You need to watch out for number one first. You can't be ...
by cheese_breath
Sat May 30, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Water puddling around house
Replies: 5
Views: 428

Re: Water puddling around house

If "inspector (somewhat biased)" means what I think it means why are you using that inspector? Did the real estate company recommend him? You need an inspection by an unbiased inspector.
by cheese_breath
Sat May 30, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: Can this be possible? [Not lose money during 2008 crash]
Replies: 25
Views: 1989

Re: Can this be possible?

z3r0c00l wrote:The most likely answer is that they are lying.

Or they've fallen prey to a crooked FM who's lying to them.
by cheese_breath
Sat May 30, 2015 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 51
Views: 4613

Re: Can my husband retire yet?

anonforthis wrote:My husband will go back to work IF he gets his dream job according to him....

What IS his dream job? Will he know it if he sees it?
by cheese_breath
Sat May 30, 2015 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 51
Views: 4613

Re: Can my husband retire yet?

anonforthis wrote: He is not good being with kids 10 hours a day. He is so cranky if he is home with them more than 10 hours. He just can't handle the crying thing.

anonforthis wrote:He plays with the kids all the time and really really good to them.

Sounds like the grandfather to me.
by cheese_breath
Sat May 30, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: suggestions for sydney, cairns, and aukland
Replies: 4
Views: 180

Re: suggestions for sydney, cairns, and aukland

Take in a Swans game if they're at home when you're there. Australian Rules football is a unique game than has to be seen at least once.

And climb the Coathanger.
by cheese_breath
Sat May 30, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 20
Views: 880

Re: Anyone Trying to Login to Vanguard?

I think Vanguard must be making changes or having problems with the site. I didn't clear my IE cache yet, but just tried it one more time to see what would happen. This time I got as far as the Enter Password page (farther than I got before), but it didn't recognize my password.
by cheese_breath
Sat May 30, 2015 7:47 am
Forum: Investing - Theory, News & General
Topic: Can this be possible? [Not lose money during 2008 crash]
Replies: 25
Views: 1989

Re: Can this be possible?

Yes it's possible. They may have indexed annuities where the investments are guaranteed against loss. But these guarantees can extract a heavy price in terms of fees, restrictions on upper gains, and other expenses.
by cheese_breath
Sat May 30, 2015 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 20
Views: 880

Re: Anyone Trying to Login to Vanguard?

Thanks. I can't get in through IE. But thanks to your replies I tried Firefox and it works fine. So it must be my IE settings.
by cheese_breath
Sat May 30, 2015 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 51
Views: 4613

Re: Can my husband retire yet?

Barefootgirl wrote:The central issue of this thread is not primarily financial.

Unfortunately this appears to be the case in many of OP's threads. :(
by cheese_breath
Sat May 30, 2015 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 20
Views: 880

Anyone Trying to Login to Vanguard?

Anyone trying to login to Vanguard right now? The site does not appear to be up.
by cheese_breath
Fri May 29, 2015 5:01 pm
Forum: Personal Consumer Issues
Topic: Time Management
Replies: 9
Views: 1201

Re: Time Management

I'll get back to you on that later. :wink:
by cheese_breath
Fri May 29, 2015 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 51
Views: 4613

Re: Can my husband retire yet?

JamesCletus wrote:We have no idea ... if you are supporting kids in college, etc...

Their youngest one won't be old enough for college for 14 years.
by cheese_breath
Fri May 29, 2015 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving a Company
Replies: 30
Views: 2535

Re: Leaving a Company

No you shouldn't feel guilty. If anybody should feel guilty it's your boss for not developing a backup after you warned him of the need. And don't worry about the old company. You're not as indispensable as you think. There may be a couple bumps in the road, but it will get along without you. Experi...
by cheese_breath
Fri May 29, 2015 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 51
Views: 4613

Re: Can my husband retire yet?

It depends entirely on your expenses. Heck, if you can get them low enough, both of you could retire now. :sharebeer Another option might be semi-retirement for your husband. That is, he finds a fun, low-stress job that doesn't necessarily have to pay that much and/or is part-time. That way you won...
by cheese_breath
Fri May 29, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 5517

Re: Still make sense to have AAA membership?

Part of the advantage of the AAA membership is in intangible benefits that can't be measured financially. The convenience of only having to call one number for road service wherever you may be instead of searching through a phone book, either hard copy or online. The convenience of not having to pay...
by cheese_breath
Thu May 28, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: "Retiring" and Age Discrimination
Replies: 24
Views: 2459

Re: "Retiring" and Age Discrimination

I'll bet these folks were targeted (I do not have one shred of evidence to back this up, just a gut feeling) .... Targeted is a rather harsh term IMO. The ultimate purpose of a commercial business is to make money. That necessitates identify and eliminating ineffectiveness and inefficiency wherever...
by cheese_breath
Thu May 28, 2015 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Things Change(? - Getting Married)
Replies: 8
Views: 829

Re: Things Change(? - Getting Married)

At my age I don't have the attention span to read your entire post, but I did notice this while through scanning it... "Tax Filing Status: Single, to be wed in ~6 months and file jointly next year" When do you intend to get married? If you marry by December 31st of this year you are consid...
by cheese_breath
Thu May 28, 2015 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Retiring" and Age Discrimination
Replies: 24
Views: 2459

Re: "Retiring" and Age Discrimination

I'll bet these folks were targeted (I do not have one shred of evidence to back this up, just a gut feeling) .... Targeted is a rather harsh term IMO. The ultimate purpose of a commercial business is to make money. That necessitates identify and eliminating ineffectiveness and inefficiency wherever...
by cheese_breath
Thu May 28, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 5517

Re: Still make sense to have AAA membership?

From my perspective the good thing about the AAA hotel discounts is that I can drive as far as I like in an day, and when I feel like quitting I can get the discount just by walking in the door of almost any hotel at the next freeway exit.
by cheese_breath
Thu May 28, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 34
Views: 2625

Re: How to sell a large statue?

If you read my words, I did not suggest doing anything illegal or unethical. Good to know. So I have an old car I can't sell. I'll just park by the side of the road where they're cutting down trees and let the lumberjacks know I wouldn't be too upset if a tree fell on it. Then if it happens I claim...
by cheese_breath
Thu May 28, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 34
Views: 2625

Re: How to sell a large statue?

livesoft wrote:[OT suggestion removed by admin LadyGeek]

Surely you jest. I don't know if fraud is the legal term, but I would question the morality and legality of this.
by cheese_breath
Thu May 28, 2015 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: "Retiring" and Age Discrimination
Replies: 24
Views: 2459

Re: "Retiring" and Age Discrimination

I'm not going to speculate on how HR operates, but when my employer offered me early retirement they went above and beyond in documenting both the 'fairness' of the offer and my voluntary right to accept or decline it in order to protect themselves against any legal actions. Given my age and salary ...
by cheese_breath
Thu May 28, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 5517

Re: Still make sense to have AAA membership?

On a dead battery I used to have AAA come out and start my car so I could drive to Belle Tire and wait a couple hours there to save a couple bucks on a battery. Now I prefer to just have AAA install a new battery while they're there and save my time instead.
by cheese_breath
Thu May 28, 2015 9:01 am
Forum: Personal Consumer Issues
Topic: Good e-mail manager?
Replies: 10
Views: 801

Re: Good e-mail manager?

You can use T-Bird and Gmail together. I have T-Bird on my Windows machine, but use the Gmail web interface on my Chromebook. If you set your T-Bird for IMAP rather than POP it will synchronize the activity I do on either machine.
by cheese_breath
Wed May 27, 2015 11:10 pm
Forum: Investing - Theory, News & General
Topic: Any impartial advocates for the other point of view?
Replies: 31
Views: 2419

Re: Any impartial advocates for the other point of view?

You're asking a bunch of people who are partial towards getting rid of your advisor to recommend impartial reading materials? Good luck. I doubt such a thing exists anyway.
by cheese_breath
Wed May 27, 2015 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: pension vs variable annuity
Replies: 10
Views: 778

Re: pension vs variable annuity

(1) Who would you like the money to go to after your death? Typical pension plans have options that allow you to continue payments to the spouse after your death albeit at a lower amount that if the pension was for you alone. (2) Even if your pension does eventually end up being transferred to an in...
by cheese_breath
Wed May 27, 2015 7:20 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my extended car warranty?
Replies: 10
Views: 509

Re: Should I cancel my extended car warranty?

freelancer wrote:I will probably cancel it. Is there any way to make them pro rate it differently so I get more back?

Read the contract. The cancellation pro rate rules may be in there.
by cheese_breath
Wed May 27, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 5517

Re: Still make sense to have AAA membership?

Even though I moved my auto, homeowner and umbrella insurances to Safeco I retained my AAA membership for the road service and discounts. even though? I signed up for AAA because it got me a discount on Safeco auto; it's paying for itself in lower premiums. I just need to remember to check them nex...
by cheese_breath
Wed May 27, 2015 5:19 pm
Forum: Personal Consumer Issues
Topic: Is grease inside a kitchen exhaust fan a fire hazard?
Replies: 12
Views: 845

Re: Is grease inside a kitchen exhaust fan a fire hazard?

OP, does your NuTone 830 look like this? http://www.storeforparts.com/NuTone/830 Then maybe you could replace it with this? http://www.amazon.com/Nutone-8310-Side-Discharge-Utility/dp/B001POBPQ8 Assuming it fits, then it seems like spending $74 for a new one might be a better deal than spending $50...
by cheese_breath
Wed May 27, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 24
Views: 848

Re: Money and cell phones when traveling to Canada

I haven't been over there in quite awhile, but doesn't Canada require chip & pin cards now?
by cheese_breath
Wed May 27, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Is grease inside a kitchen exhaust fan a fire hazard?
Replies: 12
Views: 845

Re: Is grease inside a kitchen exhaust fan a fire hazard?

Strange every fan I have ever seen in a kitchen has been over the stove. You want to make 100% sure that this fan is indeed ducting into the outside of the building and not just up into the attic. Could be a MUCH worse situation with humidity, mold, and grease if its just going into the attic. If t...
by cheese_breath
Wed May 27, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Is grease inside a kitchen exhaust fan a fire hazard?
Replies: 12
Views: 845

Re: Is grease inside a kitchen exhaust fan a fire hazard?

OP, does your NuTone 830 look like this? http://www.storeforparts.com/NuTone/830 Then maybe you could replace it with this? http://www.amazon.com/Nutone-8310-Side-Discharge-Utility/dp/B001POBPQ8 Assuming it fits, then it seems like spending $74 for a new one might be a better deal than spending $50 ...
by cheese_breath
Wed May 27, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 31
Views: 2310

Re: Best way to re-key locks on new house?

financial.freedom wrote:Will look into the drill attachment for the deadbolt installation.

Be VERY careful when you do it. Follow the instructions carefully and measure, measure, and measure again. You don't want to get the holes in the wrong place.
by cheese_breath
Wed May 27, 2015 1:47 pm
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 5517

Re: Still make sense to have AAA membership?

Even though I moved my auto, homeowner and umbrella insurances to Safeco I retained my AAA membership for the road service and discounts. even though? I signed up for AAA because it got me a discount on Safeco auto; it's paying for itself in lower premiums. I just need to remember to check them nex...
by cheese_breath
Wed May 27, 2015 12:43 pm
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 5517

Re: Still make sense to have AAA membership?

So lightheir is one post for each time? Good thing you didn't call them seven times. :P
by cheese_breath
Tue May 26, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Is grease inside a kitchen exhaust fan a fire hazard?
Replies: 12
Views: 845

Re: Is grease inside a kitchen exhaust fan a fire hazard?

Give your tenant a treat and put a shiny new fan in for them. Since the wiring is already there you should be able to install it yourself.
by cheese_breath
Tue May 26, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 5517

Re: Still make sense to have AAA membership?

Even though I moved my auto, homeowner and umbrella insurances to Safeco I retained my AAA membership for the road service and discounts.
by cheese_breath
Mon May 25, 2015 7:42 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 31
Views: 2310

Re: Best way to re-key locks on new house?

As far as drilling the holes for the new deadbolt I would suggest having someone who knows what he's doing handle that. Misplace a hole you may be looking at a price for replacing the door. You should be able to do the rest yourself.
by cheese_breath
Mon May 25, 2015 7:02 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 31
Views: 2310

Re: Best way to re-key locks on new house?

If you do not have deadbolts now, then re-keying will not make them appear magically. I don't quite understand what this deadbolt discussion is about because if you have deadbolts now, new deadbolts will very likely fit in the same holes. And you can use the same Phillips head you used for the othe...
by cheese_breath
Mon May 25, 2015 7:00 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 854

Re: Outside a/c fan isn't running (10 yr old system)

Ah, see that box and all looks ok but I don't have a way here to test the fuses. FWIW, it's a 10 Seer, 3 ton unit. I'm guessing I'd see a large efficiency improvement with a new unit, since 10 SEER seems to be quite poor.new Take them out and clean the contacts real good. Put them back in and see i...
by cheese_breath
Mon May 25, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 31
Views: 2310

Re: Best way to re-key locks on new house?

Tools? All you need with most door knobs & locks today is a Phillips head screwdriver.
by cheese_breath
Mon May 25, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 854

Re: Outside a/c fan isn't running (10 yr old system)

Thanks all. I'll hope for a fuse, I have poor vision so can't check those myself. All wires look to be connected snuggly.... The fuses I'm referring to (maybe the same thing as the start capacitors Kosmo is referring to?) are typically located in a box outside the house near the A/C, not in your in...
by cheese_breath
Mon May 25, 2015 6:17 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 854

Re: Outside a/c fan isn't running (10 yr old system)

Have you checked the outside fuses? Maybe they just need replacement.
by cheese_breath
Mon May 25, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: [Portfolio size] / [Dream Car] ratio
Replies: 5
Views: 487

Re: [Portfolio size] / [Dream Car] ratio

$ Cadillac < 2 * ($ Chevrolet)
If true: Cadillac
else: Chevrolet + CD
by cheese_breath
Mon May 25, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1290

Re: Just bought new car, should I buy extended warranty?

... So, I decided to try something brand new and was not too certain about the reliability of Hyundais. Well, I decided to purchase the "no deductible" plan and it turned out to be a very wise decision.... To each his own I guess. But if I was concerned about the reliability of a vehicle ...
by cheese_breath
Mon May 25, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1290

Re: Just bought new car, should I buy extended warranty?

... So, I decided to try something brand new and was not too certain about the reliability of Hyundais. Well, I decided to purchase the "no deductible" plan and it turned out to be a very wise decision.... To each his own I guess. But if I was concerned about the reliability of a vehicle ...
by cheese_breath
Mon May 25, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 34
Views: 2625

Re: How to sell a large statue?

mmcmonster wrote:(.... (I was able to convince them to possibly add it to the sale of the house, for a modest extra cost.) ....

They might get lucky and find a taker. But if it was me I'd be asking them to take it with them and lower the price they wanted for the house.
by cheese_breath
Mon May 25, 2015 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 4713

Re: Medicare supplemental insurance

There are different flavors of MA plans ranging from HMO types which require referrals for nearly everything, to PPO types that may allow self-referral within the plan's network, to private fee-for-service plans. You need to investigate the specifics of whatever plans you are interested in before ma...
by cheese_breath
Mon May 25, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1290

Re: Just bought new car, should I buy extended warranty?

In a word, NO. In a few more words.. Why would you think a car than "ranks 4 out of 18 Upscale Midsize Cars" ( http://usnews.rankingsandreviews.com/cars-trucks/Hyundai_Genesis/ ) needs an extended warranty? Aha, I know. Because the dealer said so. Tip.. don't believe the dealer. These warr...

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