Search found 4891 matches

by cheese_breath
Tue Sep 01, 2015 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare supplemental insurance
Replies: 10
Views: 507

Re: Medicare supplemental insurance

Does your employer share cover the Part B premium? If you go out on your own for a insurance it's currently $104.90 per month for current enrollees and may go higher for new enrollees. http://finance.yahoo.com/news/millions-facing-hefty-increase-medicare-101500900.html;_ylt=AwrC1zF6ZeRVZT0AIJHQtDMD...
by cheese_breath
Tue Sep 01, 2015 10:54 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 67
Views: 3475

Re: [forum running at] Slow speed

Leif wrote:
gkaplan wrote:Faster than a speeding bullet! More powerful than a locomotive!


Able to leap tall buildings at a single hop! :wink:

Eat whole watermelons in a single gulp.
by cheese_breath
Tue Sep 01, 2015 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Any bad experiences with Online banking?
Replies: 14
Views: 821

Re: Any bad experiences with Online banking?

runner9 wrote:Been with Ally only for 1 year. Can't deposit cash. That's the only downside I've found, only an issue after a garage sale (buy money order and mail in in prepaid envelope is way around it)

I just deposit it in my credit union and have Ally transfer it from there.
by cheese_breath
Tue Sep 01, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: Repair it? Or get something new? [Car]
Replies: 9
Views: 852

Re: Repair it? Or get something new?

What are the requirements the exhaust has to meet? Could it be repaired with some JB weld, hose clamps and exhaust repair couplers? ( i dont know if that is a fire hazard, haven't done the research so take that for what its worth) What do you mean the full exhaust? Up to the cylinders or from the c...
by cheese_breath
Tue Sep 01, 2015 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Any bad experiences with Online banking?
Replies: 14
Views: 821

Re: Any bad experiences with Online banking?

I've been an Ally customer since the days they were GMAC Bank, and I've never had any problems with them.
by cheese_breath
Tue Sep 01, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: How and when to rebalance
Replies: 8
Views: 618

Re: How and when to rebalance

You might want to wait a few weeks before doing anything. The way things are going the stock market may do the rebalancing for you without touching your bonds.
by cheese_breath
Mon Aug 31, 2015 10:06 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 67
Views: 3475

Re: Slow speed

I consider it an honor to be able to help out something as amazing as the BH forums. I wish you'd sticky this thread on the other boards so that others might be prompted to kick in. lol, my first attempt at writing this timed out... :D :sharebeer Things seem to be fixed now (at least for me). Let's...
by cheese_breath
Mon Aug 31, 2015 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Aspiration [Investment management company]
Replies: 14
Views: 849

Re: Aspiration

gkaplan wrote:In what context?

Maybe this context?
https://www.aspiration.com/
by cheese_breath
Mon Aug 31, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 56
Views: 4811

Re: Tire rotation

I never have my tires rotated, unless it is free. I would rather use the money to buy new tires. A new tire is better than a rotated tire. Besides, most of my tires were replaced due to road hazards. Could also save money on oil changes by simply allocating those dollars for a replacement engine......
by cheese_breath
Mon Aug 31, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Medicare supplemental insurance
Replies: 10
Views: 507

Re: Medicare supplemental insurance

Does your employer share cover the Part B premium? If you go out on your own for a insurance it's currently $104.90 per month for current enrollees and may go higher for new enrollees. http://finance.yahoo.com/news/millions-facing-hefty-increase-medicare-101500900.html;_ylt=AwrC1zF6ZeRVZT0AIJHQtDMD;...
by cheese_breath
Mon Aug 31, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: Proof that this summer was hotter than last summer
Replies: 11
Views: 1074

Re: Proof that this summer was hotter than last summer

Are all of your monthly readings actual, or are some of them estimated? My utility sometimes estimates usage for a month, and then it gets corrected the following month when they actually read the meter. Some estimates are too high, and some too low. Our city installed smart meters about two years ...
by cheese_breath
Mon Aug 31, 2015 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund re: severance, unemployment
Replies: 20
Views: 1103

Re: Emergency Fund re: severance, unemployment

ThankYouJack wrote:Sure it's not guaranteed but the OP said it's likely.

And if he's a high performer in a stable company it's likely he won't lose his job at all. How does that factor in?
by cheese_breath
Mon Aug 31, 2015 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund re: severance, unemployment
Replies: 20
Views: 1103

Re: Emergency Fund re: severance, unemployment

Agree with above. Possible and guaranteed aren't the same thing.
by cheese_breath
Sun Aug 30, 2015 11:02 pm
Forum: Personal Consumer Issues
Topic: Proof that this summer was hotter than last summer
Replies: 11
Views: 1074

Re: Proof that this summer was hotter than last summer

Just received my last bill a few days ago. Latest month's usage compared to previous year is up 28%.
by cheese_breath
Sun Aug 30, 2015 12:27 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 67
Views: 3475

Re: Slow speed

I'm guessing it's been slow all day. It was slow this morning before I went to church, and it is now too.
by cheese_breath
Sun Aug 30, 2015 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 45
Views: 3202

Re: Take a 0.74% car loan or pay with cash?

tomhole wrote:Maybe if I CAPITALIZE, BOLD, ITALIC, UNDERLINE AND MAKE MY OPINION IN RED EVERYONE WILL FINALLY AGREE WITH ME...

And your point is? Golly gee. I thought we were just people giving our opinions for OP to consider in deciding what (s)he wants to do. I didn't know we all had to agree.
by cheese_breath
Sat Aug 29, 2015 9:09 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 109
Views: 5474

Re: Aug 2015 correction: what Bogleheads did...

Other than reading a few Boglehead threads about the correction I did nothing.
by cheese_breath
Sat Aug 29, 2015 1:52 pm
Forum: Investing - Theory, News & General
Topic: Investing Money for Taxes
Replies: 20
Views: 1154

Re: Investing Money for Taxes

Being that this is money specifically for taxes (and not money that can go towards my financial future), why wouldn't I just put it into a Total MSo not really an arket Index Fund? Say we have a big downturn, and it looses 50% of it's value...don't I just sell at the end of the year anyway and get ...
by cheese_breath
Sat Aug 29, 2015 9:27 am
Forum: Investing - Theory, News & General
Topic: Plunge Protection Team (PPT)
Replies: 16
Views: 1175

Re: Plunge Protection Team (PPT)

The Working Group on Financial Markets apparently exists, and if you read the linked Wikipedia article you will know as much as I know. Of course the obvious answer is "Just think how much worse 2008-2009 would have been without the Plunge Protection Team!" Wikipedia actually links to an ...
by cheese_breath
Sat Aug 29, 2015 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 45
Views: 3202

Re: Take a 0.74% car loan or pay with cash?

What is the loan period? Right now the choices are close enough to be almost a wash. But if interest rates rise or other good deal comes along on savings during the loan period you might do a little better having the cash on hand to invest in it.
by cheese_breath
Fri Aug 28, 2015 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Friend's proposed RMD strategy--A little different
Replies: 55
Views: 4196

Re: Friends proposed RMD strategy--A little different

Good strategy for the current drop, but may not always work. While he's waiting for the market to drop it might go up instead. Then it would require less shares to satisfy the RMD.
by cheese_breath
Fri Aug 28, 2015 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Managed Accounts
Replies: 12
Views: 484

Re: Managed Accounts

Consider the possibility that your managed account might be mismanaged.
by cheese_breath
Fri Aug 28, 2015 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 5875

Re: If stocks dropped 30% next Monday, would you rebalance?

Assuming the drop took my AA outside my bands, I would rebalance to the extent I could without touching my TIAA Traditional. This leaves the possibility my equities might end up lower than my low band even after rebalancing. I would not sell any TIAA Traditional because I would lose the 3% guarantee...
by cheese_breath
Fri Aug 28, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: ROTH transfers after age 70
Replies: 3
Views: 480

Re: ROTH transfers after age 70

Now that I am 70 and have to take Minimum Required Distributions from my IRA, can I still do the same thing? If I am required to take $15,000 as a distribution can I just transfer it to ROTH and pay the taxes from other resources? Yes and no. You have to take RMDs from the traditional IRA, THEN, in...
by cheese_breath
Fri Aug 28, 2015 8:49 am
Forum: Investing - Theory, News & General
Topic: Do "valuations" affect your asset allocation?
Replies: 52
Views: 2200

Re: Do "valuations" affect your asset allocation?

All that stuff is too complicated for little old me. I just go by the value of my portfolio and keep about 30%-35% in stocks with the rest in fixed income and rebalance when needed.
by cheese_breath
Thu Aug 27, 2015 10:56 pm
Forum: Personal Consumer Issues
Topic: magazines for frequent-flyer miles ripoff
Replies: 20
Views: 2429

Re: magazines for frequent-flyer miles ripoff

... But you still can sue. That's the thing: you can always sue anyone for anything... And unfortunately that seems to be the first thing that too often comes to mind for too many people. Suing to overturn an agreement signed under duress is one thing. But I can't appreciate threads where people co...
by cheese_breath
Thu Aug 27, 2015 8:25 pm
Forum: Personal Consumer Issues
Topic: magazines for frequent-flyer miles ripoff
Replies: 20
Views: 2429

Re: magazines for frequent-flyer miles ripoff

Are you sure it's a ripoff? Did you read the fine print? Maybe you did agree to auto renewal. Oh yes. I suspect I did agree. I assert that it's still a ripoff. When someone throws a barrage of fine print at you and says "please sign this" you can't honestly be expected to read the whole t...
by cheese_breath
Thu Aug 27, 2015 7:02 pm
Forum: Personal Consumer Issues
Topic: magazines for frequent-flyer miles ripoff
Replies: 20
Views: 2429

Re: magazines for frequent-flyer miles ripoff

Are you sure it's a ripoff? Did you read the fine print? Maybe you did agree to auto renewal. Nowadays it's not unusual to auto renew subscriptions unless you decline. Not saying I like it either, but it is what it is.
by cheese_breath
Thu Aug 27, 2015 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2708

Re: Kitces - Managing the Medicare B Premium Spike

In my wife's case COLA did not catch up, and it still hasn't caught up. In 2012 my part B premium increased by $3.40, but hers decreased by $15.50. Even this year she's only paying $104.90, nowhere near the $115.40 she paid in her first year. I guess it depends on your definition of "caught up...
by cheese_breath
Thu Aug 27, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2708

Re: Kitces - Managing the Medicare B Premium Spike

In my wife's case COLA did not catch up, and it still hasn't caught up. In 2012 my part B premium increased by $3.40, but hers decreased by $15.50. Even this year she's only paying $104.90, nowhere near the $115.40 she paid in her first year. I guess it depends on your definition of "caught up...
by cheese_breath
Thu Aug 27, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2708

Re: Kitces - Managing the Medicare B Premium Spike

If there is any good news for those affected it's the condition may not be permanent. In 2010 I was paying $96.50/mo for my part B. In 2011 there was no increase for me. I continued paying $96.50. But when DW came on Medicare that year her premiums were $115.40/mo. There was a small increase in 201...
by cheese_breath
Thu Aug 27, 2015 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2708

Re: Kitces - Managing the Medicare B Premium Spike

If there is any good news for those affected it's the condition may not be permanent. In 2010 I was paying $96.50/mo for my part B. In 2011 there was no increase for me. I continued paying $96.50. But when DW came on Medicare that year her premiums were $115.40/mo. There was a small increase in 2012...
by cheese_breath
Wed Aug 26, 2015 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: I'm afraid I'll regret this.
Replies: 8
Views: 2107

Re: I'm afraid I'll regret this.

If you're 35, you probably don't want to spend 20 years doing a job you hate, so maybe you should go for it. Other than the money it doesn't seem like she hates her job... vested pension and health benefits, more sick days and vacation than she can use, low stress, boss never around to bother her. ...
by cheese_breath
Wed Aug 26, 2015 11:03 pm
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 56
Views: 4811

Re: Tire rotation

SimonJester wrote:... I use discount tires for my tire purchases and they rotate for free...

Belle Tire does the same thing. But that doesn't address the rotations for the tires that come on the car when you buy it.
by cheese_breath
Wed Aug 26, 2015 10:59 pm
Forum: Investing - Theory, News & General
Topic: Wash Sale Quiz!
Replies: 38
Views: 2479

Re: Wash Sale Quiz!

Shouldn't he be saving up the $35K purchase price in something less volatile than stocks?
by cheese_breath
Wed Aug 26, 2015 6:50 pm
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 65
Views: 5850

Re: Ant Control

I'm somewhat surprised. Only 24 hours since I put out the baits, and there are no ants! Perhaps they are all over at my next door neighbor's place eating the Terro baits I gave him. gatorman Or maybe they're all back at the nest with tummy aches, telling themselves "what doesn't kill us makes ...
by cheese_breath
Wed Aug 26, 2015 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Dipping into the emergency fund for rebalancing purposes during market downturns?
Replies: 29
Views: 3272

Re: Dipping into the emergency fund for rebalancing purposes during market downturns?

I am considering taking half ($15,000) and using it to rebalance in the next few days. I prefer to rebalance using the 'buy only' method, without selling anything. I don't plan on reducing any of our regular contributions to 401(k)s, etc. The amount should be replenished in 6 weeks of income (minus...
by cheese_breath
Wed Aug 26, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 56
Views: 4811

Re: Tire rotation

I rotate on every oil change. I'm always able to find a coupon that gives a free rotation with the oil change. Last time I had my Impala rotated they noticed uneven wear on one tire which pointed to the need for a wheel alignment. If they weren't doing the rotation they probably wouldn't have notice...
by cheese_breath
Wed Aug 26, 2015 9:19 am
Forum: Investing - Help with Personal Investments
Topic: I made a mistake, how do I make the best of it? [Tax gain harvesting]
Replies: 18
Views: 2302

Re: I made a mistake, how do I make the best of it?

... I plan on buying the original funds back in 2 months... Do you intend to sell the VFIAX and VFWAX to get the money to do the buy back? Watch out it these funds go back up in the next 60 days. You could end up with some short term capital gains. I do. I suppose I could wait more than 1 year to a...
by cheese_breath
Wed Aug 26, 2015 8:49 am
Forum: Investing - Help with Personal Investments
Topic: I made a mistake, how do I make the best of it? [Tax gain harvesting]
Replies: 18
Views: 2302

Re: I made a mistake, how do I make the best of it?

overst33r wrote:... I plan on buying the original funds back in 2 months...

Do you intend to sell the VFIAX and VFWAX to get the money to do the buy back? Watch out it these funds go back up in the next 60 days. You could end up with some short term capital gains.
by cheese_breath
Tue Aug 25, 2015 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy individual stocks or stock funds
Replies: 9
Views: 719

Re: Should I buy individual stocks or stock funds

... I know the total market funds are the boring way to invest which is usually the smart way ... So you already know the answer. I was going to write something sarcastic like "only buy the individual stocks that will outperform the market" but I won't. Seriously though, you apparently al...
by cheese_breath
Tue Aug 25, 2015 11:55 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting always worth all the fuss?
Replies: 68
Views: 8476

Re: Is tax loss harvesting always worth all the fuss?

If I can reduce my tax bill by $1,000 a year with a few mouse clicks, it's a no brainer for me. Granted it will increase gains in the future, but we'll cross that bridge when the time comes (I may be in the 15% tax bracket when I retire, semi-retire or can donate shares).... If they don't change th...
by cheese_breath
Tue Aug 25, 2015 11:50 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting always worth all the fuss?
Replies: 68
Views: 8476

Re: Is tax loss harvesting always worth all the fuss?

No more fuss than loading the dishwasher after dinner, and it pays better.
by cheese_breath
Mon Aug 24, 2015 9:28 pm
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 65
Views: 5850

Re: Ant Control

livesoft wrote:Quite a few threads on ants and they all say, "Use Terro".

+1 Terro works better than any other ant trap I've tried. They really like that stuff.
by cheese_breath
Mon Aug 24, 2015 7:20 pm
Forum: Investing - Theory, News & General
Topic: Tax GAIN Harvesting TGH
Replies: 3
Views: 245

Re: Tax GAIN Harvesting TGH

This is seldom discussed on this forum..... Really? Have you searched the forum? Here's just a few threads... https://www.bogleheads.org/forum/viewtopic.php?t=103139 https://www.bogleheads.org/forum/viewtopic.php?t=113207 https://www.bogleheads.org/forum/viewtopic.php?t=84151 https://www.bogleheads...
by cheese_breath
Mon Aug 24, 2015 1:57 pm
Forum: Investing - Theory, News & General
Topic: Who's selling now?
Replies: 63
Views: 6771

Re: Who's selling now?

You should be selling if you have a TLH opportunity. Crazy not to. Unless you did LTCG harvesting earlier in the year. Crazy to waste your losses on LTCGs. But if it's still down by January, then I'll TLH. I guess I don't understand this. Why not take it now and possibly again in January? You know ...
by cheese_breath
Mon Aug 24, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: "There’s No Need to Fear Stock Market Corrections"
Replies: 15
Views: 2595

Re: "There’s No Need to Fear Stock Market Corrections"

"The only thing we have to Fear,...Is Fear itself ." FDR, 1941 .... 1933. There was a lot to fear in 1941 with Germany rampaging all over Europe and Japan doing the same in the Pacific. This quote is from FDR's first inaugural address during the depression. Probably somewhat apropos to th...
by cheese_breath
Mon Aug 24, 2015 11:34 am
Forum: Investing - Theory, News & General
Topic: Who's selling now?
Replies: 63
Views: 6771

Re: Who's selling now?

Bacchus01 wrote:You should be selling if you have a TLH opportunity. Crazy not to.

Unless you did LTCG harvesting earlier in the year. Crazy to waste your losses on LTCGs. But if it's still down by January, then I'll TLH.
by cheese_breath
Mon Aug 24, 2015 11:26 am
Forum: Investing - Theory, News & General
Topic: "FEAR" Is Here,...
Replies: 53
Views: 6932

Re: "FEAR" Is Here,...

SeeMoe wrote: " We have nothing to Fear, but Fear itself" said FDR just after WWII commended for the USA ,...

commended? Do you mean commenced?

Actually 1933 in FDR's first inaugural address.
by cheese_breath
Mon Aug 24, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: Scoring a deal on a boat
Replies: 31
Views: 3058

Re: Scoring a deal on a boat

I wonder how much HP I would need to pull a 180lb wakeskating...or slalom skier?... Mine was a 140HP Mercruser with a Chevy engine. Although I didn't pull skiers the guy I bought it from did, and he was a pretty big guy. OTOH he was selling it to get something bigger, so I guess I wouldn't go below...

Go to advanced search