Search found 11627 matches

by cheese_breath
Tue Mar 19, 2024 12:26 am
Forum: Personal Consumer Issues
Topic: Softest brand of cotton swabs?
Replies: 1
Views: 194

Re: Softest brand of cotton swabs?

Too bad the My Pillow guy doesn't make swabs. He uses the only best ultra-soft cotton from the fertile valley of the Nile River in Egypt.
:D :D :D
by cheese_breath
Tue Mar 19, 2024 12:10 am
Forum: Investing - Theory, News & General
Topic: Genius of the Financial Industry
Replies: 4
Views: 441

Re: Genius of the Financial Industry

Regal 56 wrote: Mon Mar 18, 2024 11:31 pm In what other industry is compensation so deeply imbedded in how much money the client has? ...
Three letters, IRS
by cheese_breath
Mon Mar 18, 2024 11:24 pm
Forum: Personal Investments
Topic: Mutual Fund Sales Charges
Replies: 4
Views: 234

Re: Mutual Fund Sales Charges

I don't know because I wouldn't buy those kinds of funds.
by cheese_breath
Mon Mar 18, 2024 10:54 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 4524
Views: 617306

Re: What frugal thing did you do today?

Went to a pizza party last night. Host bought more pizza than necessary, offered me some of the leftovers. I accepted.

Had some of the free leftover pizza for lunch today. Put the rest in the freezer so I can have a frugal lunch some other day.
by cheese_breath
Mon Mar 18, 2024 9:38 pm
Forum: Personal Investments
Topic: Nervous about giving out information
Replies: 30
Views: 2280

Re: Nervous about giving out information

sfmdk240 wrote: Mon Mar 18, 2024 9:37 pm
SmileyFace wrote: Sun Mar 17, 2024 9:01 pm Make sure your username is anonymous and has no relation to your real name or info.
In other words - if your real name is Cheryl Y and you were born in February 1979 you should change it. (
Go to your town clerk and have your name changed as well as your birth date. Alternatively change your username.
Out of curiosity, how does one got about changing their username on Bogleheads? There doesn’t seem to be an option to do so under account settings.
PM a moderator with your request.
by cheese_breath
Sun Mar 17, 2024 7:33 pm
Forum: Personal Investments
Topic: Nervous about giving out information
Replies: 30
Views: 2280

Re: Nervous about giving out information

That's why you use an anonymous user ID.
by cheese_breath
Fri Mar 15, 2024 11:16 pm
Forum: Personal Consumer Issues
Topic: Dumped from PT due to low Medicare reimbursements?
Replies: 59
Views: 3776

Re: Dumped from PT due to low Medicare reimbursements?

557880yvi wrote: Fri Mar 15, 2024 11:13 pm ....and I believe that they are only saying this so that they can replace my 3 hrs a week of PT with higher paying clients.
But unless you can prove this, you're just spitting into the wind.
by cheese_breath
Fri Mar 15, 2024 8:40 pm
Forum: Personal Consumer Issues
Topic: Dumped from PT due to low Medicare reimbursements?
Replies: 59
Views: 3776

Re: Dumped from PT due to low Medicare reimbursements?

DoubleComma wrote: Fri Mar 15, 2024 8:09 pm Under the impression that Medicare only covers $2,300-$2,400 annual for “therapy services”.

Have you reached your annual cap?
There is and there isn't a cap on how much Medicare will cover, and your numbers are correct. But the cap can be exceeded if your medical provider deems it necessary.

" There's no limit on how much Medicare pays for your medically necessary outpatient therapy services in one calendar year"

https://www.medicare.gov/coverage/physi ... y-services

You'll notice this reference seems to contradict itself. But I exceeded the cap last year and didn't pay anything because my doctor said it was neceassary.
by cheese_breath
Tue Mar 12, 2024 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Confused--Part D (Drug Plan) Much More for Certain Prescriptions than Originally Quoted
Replies: 15
Views: 1145

Re: Confused--Part D (Drug Plan) Much More for Certain Prescriptions than Originally Quoted

OnTrack2020 wrote: Tue Mar 12, 2024 9:28 am
Rex66 wrote: Mon Mar 11, 2024 8:53 pm Why would you assume the prices can’t change?
I'm betting that for the vast majority of plans that people sign with that they are choosing a plan based on those estimates that are given and are expecting the actual prescription prices to be fairly close in price to the original price quoted.
And that's what we all do. Hope the prices we end up with are close to what we expected when we signed up,
by cheese_breath
Mon Mar 11, 2024 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Confused--Part D (Drug Plan) Much More for Certain Prescriptions than Originally Quoted
Replies: 15
Views: 1145

Re: Confused--Part D (Drug Plan) Much More for Certain Prescriptions than Originally Quoted

one of mine went up 56% between January and March, from $3.84 to $6.00.

I can handle the increase, but it would be hard to stomach 56% if this had been an expensive drug in the first place.
by cheese_breath
Mon Mar 11, 2024 3:03 pm
Forum: Personal Consumer Issues
Topic: Dual majors and non big 50 colleges
Replies: 111
Views: 7178

Re: Dual majors and non big 50 colleges

goonie wrote: Mon Mar 11, 2024 1:46 pm ... And the only thing I'd consider right now with regards to the 7th grader is that I would want my spending on each kid to end up roughly in the same ballpark. So evaluate your finances accordingly.
I'd also consider the possibility inflation costing it more for the 7th grader to get a comparable education to the 10th grader.
by cheese_breath
Sun Mar 10, 2024 11:37 pm
Forum: Personal Consumer Issues
Topic: Dual majors and non big 50 colleges
Replies: 111
Views: 7178

Re: Dual majors and non big 50 colleges

Wannaretireearly wrote: Sun Mar 10, 2024 11:32 pm
cheese_breath wrote: Sun Mar 10, 2024 11:30 pm I think you're getting way ahead of the game. Give them some time in college to discover their interests and options. I changed my career aspirations twice from the time I entered college until I graduated, and ended up in a career that wasn't either of them.
Not directly relevant, but mind sharing the two you started and where you ended up? Curious!
#1 Military
#2 Ministry
Final Information Technology (or as we called it in those days, data processing)
by cheese_breath
Sun Mar 10, 2024 11:30 pm
Forum: Personal Consumer Issues
Topic: Dual majors and non big 50 colleges
Replies: 111
Views: 7178

Re: Dual majors and non big 50 colleges

I think you're getting way ahead of the game. Give them some time in college to discover their interests and options. I changed my career aspirations twice from the time I entered college until I graduated, and ended up in a career that wasn't either of them.
by cheese_breath
Sun Mar 10, 2024 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's your primary credit card?
Replies: 117
Views: 10239

Re: What's your primary credit card?

I have no 'primary'. I use AAA Visa for drug stores, grocery stores and AAA insurances; Costco Visa for gas, restaurants, and Costco purchases; Discover for anything else. Sometimes Discover will offer temporary 5% rebates on some services. If that overlaps the other two cards, then I use the Discover until the 5% expires.

edit: I also have a GM Mastercard. But I only use it for my Geelong AFL club membership, and that only to keep it active in case I need it for emergencies.
by cheese_breath
Sun Mar 10, 2024 6:05 am
Forum: Personal Consumer Issues
Topic: [Visiting Mackinac Island, Michigan with a small child]
Replies: 19
Views: 1471

Re: [Visiting Mackinac Island, Michigan with a small child]

bradinsky wrote: Sat Mar 09, 2024 10:24 pm ... If you have time for a side trip, the Soo Locks at Sault Ste. Marie, MI. are interesting. They are about 60 miles north of Mackinaw City. You can get an up close view of 1000 ft. freighters being raised & lowered on their trips to & from Lake Superior.
Way back in 1974 or thereabouts I took the boat tour through the locks. And to my surprise, they're still in business.

https://www.famoussoolocks.com/
by cheese_breath
Sat Mar 09, 2024 7:49 pm
Forum: Personal Consumer Issues
Topic: TurboTax asking for total IRA size
Replies: 4
Views: 736

Re: TurboTax asking for total IRA size

baconavocado wrote: Sat Mar 09, 2024 7:41 pm They always ask for this info, in my experience. Looking at my return, it shows up on some worksheets but I don't see it on the actual return.
My last Roth conversion was in 2020, and I don't recall them asking for it then.
by cheese_breath
Sat Mar 09, 2024 7:01 pm
Forum: Personal Consumer Issues
Topic: TurboTax asking for total IRA size
Replies: 4
Views: 736

Re: TurboTax asking for total IRA size

magicalThinking wrote: Sat Mar 09, 2024 5:48 pm Hello - First post!
I... Just started my 2024 taxes on TurboTax...
2023 taxes?
by cheese_breath
Sat Mar 09, 2024 6:59 pm
Forum: Personal Consumer Issues
Topic: TurboTax asking for total IRA size
Replies: 4
Views: 736

Re: TurboTax asking for total IRA size

I suspect this is probably some new IRS requirement. I did my first Roth withdrawal this year, and TT asked for my total conversions before 2018, and any conversions after that by year.

I'm more than 20 years past 59 1/2, and my first Roth conversion was in 1998. The IRS probably knows all this anyway, so I just entered it into TT and went on with the return.
by cheese_breath
Sat Mar 09, 2024 2:45 pm
Forum: Personal Consumer Issues
Topic: NJ “unsafe lane change” law
Replies: 14
Views: 1325

Re: NJ “unsafe lane change” law

LaramieWind wrote: Sat Mar 09, 2024 2:42 pm I avoid having to move across more than one lane, but it does happen. When it does I signal, move into the first lane, turn my signal off for a few seconds. Check on traffic, turn my signal on and move into the third lane.
From OP's description, "I had to cross a couple lanes of traffic at an intersection to get to a gas station", it doesn't seem he moved lanes. He cut across lanes.
by cheese_breath
Sat Mar 09, 2024 2:18 pm
Forum: Personal Consumer Issues
Topic: NJ “unsafe lane change” law
Replies: 14
Views: 1325

Re: NJ “unsafe lane change” law

Doom&Gloom wrote: Sat Mar 09, 2024 2:12 pm I'm not saying that I've never done that, but I'd never be shocked if I were stopped and ticketed afterward.

It looks to me like that statute is written vaguely enough that you'll have an uphill battle if the cop shows up to testify in court.
Good luck!
There's another statute that makes it more clear. See my edited post above.
by cheese_breath
Sat Mar 09, 2024 1:58 pm
Forum: Personal Consumer Issues
Topic: NJ “unsafe lane change” law
Replies: 14
Views: 1325

Re: NJ “unsafe lane change” law

I'm guessing the officer is inferring you can't cross lanes to make a turn at an intersection. i.e. You must be in the farthest lane (left or right) before making making your turn. (b) Left turns on two-way roadways. At any intersection where traffic is permitted to move in both directions on each roadway entering the intersection, an approach for a left turn shall be made in that portion of the right half of the roadway nearest the center line thereof and by passing to the right of such center line where it enters the intersection and after entering the intersection the left turn shall be made so as to leave the intersection to the right of the center line of the roadway being entered. Whenever practicable the left turn shall be made in th...
by cheese_breath
Sat Mar 09, 2024 1:04 pm
Forum: Personal Consumer Issues
Topic: [Visiting Mackinac Island, Michigan with a small child]
Replies: 19
Views: 1471

Re: [Visiting Mackinac Island, Michigan with a small child]

Old Goat wrote: Sat Mar 09, 2024 11:56 am I would not worry about the ferry but if you're concerned the trip from St Ignace is shorter than from Mackinaw.
If you're coming from the south you'd cross the Straits on the Big Mac. That's an exprience in itself.
by cheese_breath
Sat Mar 09, 2024 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Using withholding on Roth conversion instead of estimated tax payment
Replies: 86
Views: 5894

Re: Using withholding on Roth conversion instead of estimated tax payment

Faith20879 wrote: Sat Mar 09, 2024 10:55 am
cheese_breath wrote: Sat Mar 09, 2024 9:50 am I see this thread is almost three weeks old with lots of replies already. But I'd like to chip in my two cents worth anyway. I've done lots of Roth conversions over the years, and I've always paid the taxes out of my taxable account. I'd rather reduce the balance of my taxable than reduce the balance of my Roth by withholding from the convesion.
I've always thought the same way you do. But after reading the OP (and poster twh's testimony) several times I finally understood how the mechanism works. Essentially he is swapping taxable money with tax-preferred money. The taxes are eventually still paid with taxable money. Quite clever... like someone upthread said, money is fungible.
Thank you. I reread OP's post and agree.
by cheese_breath
Sat Mar 09, 2024 10:54 am
Forum: Personal Consumer Issues
Topic: [Visiting Mackinac Island, Michigan with a small child]
Replies: 19
Views: 1471

Re: Mackinac Island, Michigan

familythriftmd wrote: Sat Mar 09, 2024 10:46 am
cheese_breath wrote: Sat Mar 09, 2024 10:08 am Vacationing with a one year old will be a challenge anywhere you go. Life on the island should be no harder than anywhere else. But the ferry to the island might be.

Last time I went, several years ago, we took tne Arnold Ferry Line, and that boat was very noisy. I suspect the others might be as well. That and the possibility of rough seas might be disturbing to a baby.
Shepler's Ferry has a lower deck, so that could work.
We were on the lower deck with Arnolds. The noise came from the engines, not from the wind. And rough seas would be felt regardless of which deck you're on.

ps: I've been to the island three times. The first two were pleasant rides on the ferry's upper decks. Last one was a rough sea on the lower deck.
by cheese_breath
Sat Mar 09, 2024 10:46 am
Forum: Personal Consumer Issues
Topic: [Visiting Mackinac Island, Michigan with a small child]
Replies: 19
Views: 1471

Re: [Visiting Mackinac Island, Michigan with a small child]

Mackinac is my FAVORITE place in the US! I've only been once, but would love to go again. Where are you coming from? I think that Mackinac would be just fine with a child. Probably easier if you STAY on the island, but you could easily stay near the ferry terminal in Mackinaw City (Lower Peninsula) or St. Ignace (Upper Peninsula). I would stay LP if you're coming from the south, and stay UP if you're coming from the UP itself or from Wisconsin. That would be much cheaper than staying on the island and then just stay the day on the island. Very walkable in the village even with a baby. We stayed at the Baymont in Mackinaw City. Very Spartan, but no complaints otherwise. It was also 10 minute walk or less to the ferry. For that matter, depen...
by cheese_breath
Sat Mar 09, 2024 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Using withholding on Roth conversion instead of estimated tax payment
Replies: 86
Views: 5894

Re: Using withholding on Roth conversion instead of estimated tax payment

dknightd wrote: Sat Mar 09, 2024 10:18 am
cheese_breath wrote: Sat Mar 09, 2024 9:50 am I see this thread is almost three weeks old with lots of replies already. But I'd like to chip in my two cents worth anyway. I've done lots of Roth conversions over the years, and I've always paid the taxes out of my taxable account. I'd rather reduce the balance of my taxable than reduce the balance of my Roth by withholding from the convesion.
I tried to set up an account with IRS to pay estimated taxes. It was more bother than it was worth. I have taxes withheld at the end of the year. Seems simpler that way
You don't need to set up an account if you use IRS Direct Pay
by cheese_breath
Sat Mar 09, 2024 10:24 am
Forum: Personal Consumer Issues
Topic: [Visiting Mackinac Island, Michigan with a small child]
Replies: 19
Views: 1471

Re: Mackinac Island, Michigan

bradpevans wrote: Sat Mar 09, 2024 10:11 am ... Mackinac Grand is the top end hotel on the island.
Trivia, the movie Somewhere in Time with Jane Seymour and Christopher Reeve was filmed at the Grand Hotel. Last time I was there that beautiful picture of Jane was still hanging in the same place it was in the movie.
by cheese_breath
Sat Mar 09, 2024 10:08 am
Forum: Personal Consumer Issues
Topic: [Visiting Mackinac Island, Michigan with a small child]
Replies: 19
Views: 1471

Re: Mackinac Island, Michigan

Vacationing with a one year old will be a challenge anywhere you go. Life on the island should be no harder than anywhere else. But the ferry to the island might be.

Last time I went, several years ago, we took tne Arnold Ferry Line, and that boat was very noisy. I suspect the others might be as well. That and the possibility of rough seas might be disturbing to a baby.
by cheese_breath
Sat Mar 09, 2024 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Using withholding on Roth conversion instead of estimated tax payment
Replies: 86
Views: 5894

Re: Using withholding on Roth conversion instead of estimated tax payment

I see this thread is almost three weeks old with lots of replies already. But I'd like to chip in my two cents worth anyway. I've done lots of Roth conversions over the years, and I've always paid the taxes out of my taxable account. I'd rather reduce the balance of my taxable than reduce the balance of my Roth by withholding from the convesion.
by cheese_breath
Thu Mar 07, 2024 11:41 pm
Forum: Personal Investments
Topic: 16 yr old - how can I best take on high risk?
Replies: 65
Views: 5234

Re: 16 yr old - how can I best take on high risk?

If you want risk,
.... Tape a list of penny stocks to the wall
... Get a dart
... Blindfold yourself
... Throw the dart at the wall.
... Load up on the stock closest to where the dart sticks
That's about as much risk as you can get. You'll probably lose it all, but you might get lucky and hit the jackpot.

Or you could just invest in a boring total stock index fund. That will give you a good head start over those who wait until they're adults to begin investing.
by cheese_breath
Thu Mar 07, 2024 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Your Original Medicare OR Advantage Experience: Nightmare or Sublime?
Replies: 156
Views: 9916

Re: Your Original Medicare Experience: Nightmare or Sublime?

Never had problem with Medicare for 18 years. But I did have issues with my first medigap provider. My before-Medicare coverage was with the same company, and they kept confusing my Medicare claims with the previous plan.
by cheese_breath
Thu Mar 07, 2024 5:08 pm
Forum: Personal Consumer Issues
Topic: Home phone (copper) solution for parents
Replies: 26
Views: 2493

Re: Home phone (copper) solution for parents

Are they mobile? They could go to a FedEx and use their fax machines.
by cheese_breath
Wed Mar 06, 2024 10:33 am
Forum: Personal Finance (Not Investing)
Topic: When have you stopped saving for retirement?
Replies: 40
Views: 3889

Re: When have you stopped saving for retirement?

On the day I received my last check from my last employer.
by cheese_breath
Sun Mar 03, 2024 10:44 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 5973
Views: 689970

Re: [What TV Show Have You Recently Watched?]

Don't watch much TV anymore, except I still watch Blue Bloods and Resident Alien.
by cheese_breath
Sun Mar 03, 2024 10:35 pm
Forum: Personal Consumer Issues
Topic: At what point in a car’s life do you try miracle elixir fixes?
Replies: 36
Views: 3321

Re: At what point in a car’s life do you try miracle elixir fixes?

Waste of money. I tried various concoctions when I was much younger, and the cars had lower engine compressions. Didn't work then, won't work now.
by cheese_breath
Sun Mar 03, 2024 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Helping mom with finances - how do I get access?
Replies: 48
Views: 3872

Re: Helping mom with finances - how do I get access?

rossington wrote: Sun Mar 03, 2024 9:52 pm
Hi OP,
You really don’t have a choice.
In order to accomplish your goal here you need legal authorization to access her accounts. I am sure you will need both POA and Full Agent authorization.
Since she is not able to these things on her own you will more than likely have to pay her a visit or two.
A lawyer may be needed for the POA among other reasons. The brokerage paperwork will likely need to be notarized. You will have to visit the banks.
Hopefully big banks, so they might have branches near you?
Does she have will?
The whole process takes time (even if she lived next door it would) so plan on that.
I would not trust an outside “financial advisor” to handle you Mom’s assets as you have outlined here.
Couldn't agree more.
by cheese_breath
Sun Mar 03, 2024 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Helping mom with finances - how do I get access?
Replies: 48
Views: 3872

Re: Helping mom with finances - how do I get access?

Thanks. I do not have POA. She is in all respects still herself, that just happens to include a complete aversion to this stuff. I suppose the only answer may be full transactional access to her accounts (The phrase "agent authorization" is opening up a lot of search results). I've shied away from this on principle. I am of course trustworthy, but it just seems somehow like a bad practice. Maybe my own bias to overcome. If she didn't have a trusted family member, how would this work with a financial advisor? Consolidating her accounts, which I agree should happen, will involve maybe a dozen transactions that she would never be able to set up on her own. I think we're assuming YOU are the trusted family member. If a financial advi...
by cheese_breath
Sun Mar 03, 2024 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Helping mom with finances - how do I get access?
Replies: 48
Views: 3872

Re: Helping mom with finances - how do I get access?

Thanks. I do not have POA. She is in all respects still herself, that just happens to include a complete aversion to this stuff. I suppose the only answer may be full transactional access to her accounts (The phrase "agent authorization" is opening up a lot of search results). I've shied away from this on principle. I am of course trustworthy, but it just seems somehow like a bad practice. Maybe my own bias to overcome. If she didn't have a trusted family member, how would this work with a financial advisor? Consolidating her accounts, which I agree should happen, will involve maybe a dozen transactions that she would never be able to set up on her own. I think we're assuming YOU are the trusted family member. If a financial advi...
by cheese_breath
Sun Mar 03, 2024 9:04 pm
Forum: Personal Investments
Topic: I want to pay off car using money from Roth IRA
Replies: 40
Views: 4473

Re: I want to pay off car using money from Roth IRA

MoolaGrow wrote: Thu Feb 29, 2024 5:55 pm I'm glad someone finally sees the logic.
I see the logic because I did almost the same thing. My car was totaled by a hail storm last year, and I took 40K out of my Roth to buy a new one.
by cheese_breath
Sun Mar 03, 2024 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Helping mom with finances - how do I get access?
Replies: 48
Views: 3872

Re: Helping mom with finances - how do I get access?

She needs to give you her Power of Attorney.

Not knowing the POA laws in your state, I suggest she go to a local attorney to have it written. Then send it to you.

That should get the ball rolling, but some companies might require their own POAs. If you ask, they'll tell you.
by cheese_breath
Thu Feb 29, 2024 10:56 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax and estimated tax payments
Replies: 10
Views: 1968

Re: TurboTax and estimated tax payments

lstone19 wrote: Thu Feb 29, 2024 10:25 am
cheese_breath wrote: Wed Feb 28, 2024 10:18 pm Those TT estmated tax forms are useless. TT has no way of knowing what your income or deductions will be next year. As you discovered, all it can do is make assumptions based on what you do this year.
I agree. TT will let you tell it what your income will be but it assumes (and I have found no way to change this) that your withholding will be the same as the previous year. I use that part of TT for estimating what the tax will be on the income but handle calculating how much to pay for estimated taxes in my own spreadsheet.
I also use my own spreadsheet as I know more about what my income and deductions will be than TT does.
by cheese_breath
Wed Feb 28, 2024 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax and estimated tax payments
Replies: 10
Views: 1968

Re: TurboTax and estimated tax payments

Those TT estmated tax forms are useless. TT has no way of knowing what your income or deductions will be next year. As you discovered, all it can do is make assumptions based on what you do this year.
by cheese_breath
Wed Feb 28, 2024 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: When did your Net Worth surpass your lifetime earnings?
Replies: 93
Views: 11639

Re: When did your Net Worth surpass your lifetime earnings?

Probably around 3 to 4 years old when my grandma gave me a nickle. Other than that I haven't kept track.
by cheese_breath
Sun Feb 25, 2024 10:58 pm
Forum: Personal Consumer Issues
Topic: Spray paint for plastic shutters?
Replies: 15
Views: 1951

Re: Spray paint for plastic shutters?

When I painted mine I took them down and used a good quality paint with a Wagner spray gun. Twice. DW decided a few years later she wanted a different color.

edit: She changed the color both times, so I couldn't just buy new ones.
by cheese_breath
Sun Feb 25, 2024 2:29 pm
Forum: Personal Consumer Issues
Topic: Front License Plate Mount
Replies: 29
Views: 2742

Re: Front License Plate Mount

Try Amazon. I found one matching my Impala when I moved to Texas.
by cheese_breath
Fri Feb 23, 2024 7:49 am
Forum: Personal Investments
Topic: Northwestern Mutual IRA Exit Strategy
Replies: 8
Views: 816

Re: Northwestern Mutual IRA Exit Strategy

I like many on here got into an IRA and life insurance as well from a friend when I started my career because I thought I needed to start investing. I have a pension that I have ten more years of work until I can get to. I have the IRA that I've been maxing out of the last 10 years in addition to some other investments and the cash available from the term life insurance. I've been reading a lot lately and feel like I would be much better suited with a Charles Schwab investment account with an IRA in index funds. I feel like I'm probably paying alot in fees. I've read a few other posts on here but would like some help with y'all's thoughts and experiences. Go to Schwab. Put in a transfer request. Wait about 5 business days. Enjoy the freedo...
by cheese_breath
Mon Feb 19, 2024 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Guilt about having to spend Roth IRA money
Replies: 33
Views: 5335

Re: Guilt about having to spend Roth IRA money

mtwhmemn wrote: Wed Feb 14, 2024 4:33 pm ... I guess what I'm saying is why should I feel guilty about this? It's our money, what am I saving the specific Roth accounts for? Use it when necessary seems to be my situation....
Yes, that's the solution. You save and invest so you'll have it when you need it.

I withdrew $40K out of my Roth to buy a new car after a hail storm totaled my old one last May. That's what it was there for, to spend when I needed it.
by cheese_breath
Mon Feb 19, 2024 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Determining the size for a LTC Buffer?
Replies: 28
Views: 3056

Re: Determining the size for a LTC Buffer?

I wanted to see what others think about how to we are planning for the potential need for LTC in retirement. We are both age 63 and healthy this year and plan on retiring in 3-years. We own a traditional LTC policy that will partially cover us. Our LTC Policy: Up to $206/day, 180 day Elimination Period, Up to 1,095 days each insured and An additional shared 1,095 days, 3% inflation rider So in today’s dollars that is up to $75,190/year or $225,570/1,095 days or a total of $676,710 for the full 3,285 days. Cost of Skilled Nursing Care: The two areas of the country that we are considering retiring are Boise and Colorado Springs. I looked at the Genworth Survey (2021) to get a sense of the regional median cost for a skilled nursing care facil...