Search found 6339 matches

by cheese_breath
Fri Jul 22, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1687

Re: Person Died, RMD Not Paid

Yes, as MarkNYC said. The custodian has to distribute the RMD first (sometimes these RMDs are setup to be drawn automatically (e.g. first week of December) so you may check whether this is going to be done this year anyway) and only then will they go through whatever internal processes and intermed...
by cheese_breath
Fri Jul 22, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1687

Re: Person Died, RMD Not Paid

The previous two posts are probably confusing the RMD required for the beneficiary of the inherited IRA and the RMD required for the original owner after they reach age 70.5. I assumed that it was the owner's RMD that was not taken, but must be taken. YES!!! That's what I've been trying to say. Whe...
by cheese_breath
Fri Jul 22, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1687

Re: Person Died, RMD Not Paid

Related question... The total of both IRAs is under 10K, and DW is considering just cashing them in (she's above 59 1/2) and using the money for some new furniture. If she instructed the bank to cash them out and give her the money, would that satisfy the RMD? Or would a safer approach be to convert...
by cheese_breath
Fri Jul 22, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1012

Re: Advice for Processing a Will

My personal experience, not in Michigan, has led me to some observations. Are you the type of person who does their own taxes and handles their own financial paperwork? If the answer is no, then you might need a lawyer to handle much of the process and a flat fee could be appropriate. On the other ...
by cheese_breath
Fri Jul 22, 2016 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1012

Re: Advice for Processing a Will

My personal experience, not in Michigan, has led me to some observations. Are you the type of person who does their own taxes and handles their own financial paperwork? If the answer is no, then you might need a lawyer to handle much of the process and a flat fee could be appropriate. On the other ...
by cheese_breath
Fri Jul 22, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1687

Re: Person Died, RMD Not Paid

Why are the IRAs in the estate at all? Presumably, they passed to the beneficiaries without even getting into the estate. I used the term 'estate' in a broad generalized sense to encompass all the assets. They're not subject to probate and do get passed on as you describe. But my question remains. ...
by cheese_breath
Fri Jul 22, 2016 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1687

Person Died, RMD Not Paid

As a slight tangent off my post on processing a will ( https://www.bogleheads.org/forum/viewtopic.php?f=2&t=195625 ) we just learned that DW is the sole beneficiary on MIL's IRAs, but the RMDs haven't been paid yet. Can we instruct the bank to pay the RMDs while the IRAs are still in MIL's estat...
by cheese_breath
Tue Jul 19, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 70
Views: 6160

Re: Why did the car salesman stop replying to my emails

Send them an Email and ask them. :happy
by cheese_breath
Tue Jul 19, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1012

Re: Advice for Processing a Will

Earl Lemongrab wrote:How small of an estate? Most states have a small-estate level where the process is much less complicated and set up for DIY.

Earl

It's pretty small. From what I can tell it look likes the MI breakpoint is only 15K, and it might be bigger than that.
by cheese_breath
Tue Jul 19, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1012

Re: Advice for Processing a Will

mouses wrote:Does she have a trust?

Nope. I wish. :D
by cheese_breath
Mon Jul 18, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1012

Advice for Processing a Will

MIL died last week and named DW and me a co-executors in her will. I’ve been scouring the Internet for information on processing wills, and my mind is a blur. I think I have a decent idea of what needs to be done, but zero clue on how to do it (i.e. wading through government bureaucratic processes)....
by cheese_breath
Sun Jul 03, 2016 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3367

Re: Ever Feel Unworthy of Growing income?

Ged wrote:If it really starts bothering you PM me and I'll provide an account you can transfer it to.

How do you know he won't transfer from it rather than to it?
by cheese_breath
Sun Jul 03, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3367

Re: Ever Feel Unworthy of Growing income?

Yes I felt unworthy of some sizeable raises, but I managed to reconcile myself to it within a few days.
by cheese_breath
Fri Jul 01, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: VCR / DVD Player Suggestion for older television
Replies: 9
Views: 815

Re: VCR / DVD Player Suggestion for older television

Try Walmart if you're willing to pay a premium price for a refurbished one. I picked up a refurbished Funai DVD Recorder / VCR from them for $99 a few weeks ago, and so far so good.
by cheese_breath
Tue Jun 28, 2016 10:50 pm
Forum: Investing - Theory, News & General
Topic: Is options trading ever a good idea for retirees?
Replies: 16
Views: 1103

Re: Is options trading ever a good idea for retirees?

happyisland wrote:... is there any way they're not being taken to the cleaner by RJ?

It's Raymond James. What do you think?
by cheese_breath
Tue Jun 28, 2016 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a friend's student loans?
Replies: 21
Views: 2327

Re: Buying a friend's student loans?

It's a great deal for your friend. He stands to make an easy $50K.
by cheese_breath
Tue Jun 28, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Would you want to know if your doctor doesn't take your insurance?
Replies: 59
Views: 2871

Re: Would you want to know if your doctor doesn't take your insurance?

The hospital cannot just go out and "find" someone who takes insurance since the majority of those in my specialty don't take any insurance. It doesn't exist. There are no Medicare or insurance providers in my specialty because Medicare does not pay for 95% of what we do. Same for commerc...
by cheese_breath
Mon Jun 27, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Would you want to know if your doctor doesn't take your insurance?
Replies: 59
Views: 2871

Re: Would you want to know if your doctor doesn't take your insurance?

I suppose if I had a [nonspecific billionaire --moderator triceratop] 's bankroll I might not care. But personally I don't want to run the risk of having to liquidate half my portfolio to pay physicians out of pocket when others would accept my insurance instead. I'm having a problem understanding w...
by cheese_breath
Mon Jun 27, 2016 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Temp move 401k?
Replies: 4
Views: 306

Re: Temp move 401k?

I know everyone says don't touch your 401k - I'm in a Lifecycle - but can't I just "park" it in a bond or money market for a couple days and then move it back? Yes, you can but you probably shouldn't. I can't think of any reason to take money out of a Lifecycle fund and park it in bonds/m...
by cheese_breath
Sun Jun 26, 2016 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Temp move 401k?
Replies: 4
Views: 306

Re: Temp move 401k?

When people say "don't touch your 401K" they mean don't take your money out before it's needed in retirement. You can move your money between funds within your 401K, subject to any frequent trading restrictions. Whether you should do what you're thinking of is a different question.
by cheese_breath
Fri Jun 24, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: Boy, did someone at Fido ever jump the gun
Replies: 13
Views: 2708

Re: Boy, did someone at Fido ever jump the gun

Call_Me_Op wrote:
cheese_breath wrote:Maybe it's an unintended crossover form a parallel universe where Brexit was voted down.


Maybe I can buy in this universe, then cross-over and sell in that one?

As long as they don't pay you in anti-money.
by cheese_breath
Fri Jun 24, 2016 7:32 am
Forum: Investing - Theory, News & General
Topic: Boy, did someone at Fido ever jump the gun
Replies: 13
Views: 2708

Re: Boy, did someone at Fido ever jump the gun

Maybe it's an unintended crossover form a parallel universe where Brexit was voted down.
by cheese_breath
Thu Jun 23, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees >65 y/o: How much do you spend on health insurance?
Replies: 17
Views: 2215

Re: Retirees >65 y/o: How much do you spend on health insurance?

2016 Insurance premiums... ... $104.90 / month .... Medicare Part B (me) ... $104.90 / month .... Medicare Part B (DW) ... $121.22 / month .... BCBS MI Medigap (me) (*****) ... $121.22 / month .... BCBS MI Medigap (DW) (*****) ... $21.10 / month ... Medicare Part D (me) ... $69.10 / month ... Medica...
by cheese_breath
Thu Jun 23, 2016 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5586

Re: Should I express my inheritence thoughts to my father?

I do want to be clear that in no case would I be trying to ask for a greater share. That wouldn't be right of him as well as against my principles. Then what exactly do you want? Maybe a note in his will chastising your siblings for their lavish lifestyles and praising you for your more moderate on...
by cheese_breath
Thu Jun 23, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 556

Re: BJRConsultancy [user allowed remote access to PC]

Do you do full system backups regularly? If so restore your last backup prior to the incursion.
by cheese_breath
Thu Jun 23, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2469

Re: Replacing rotten stud in wall

How much do you save by doing a half ***ed job? Don't know where you live but offhand the price does not seem out of line. I expect sister ing the studs would be structurally fine. But I'd be concerned about residual mold. I expect once you have wall open and have to fix the underlying problems and...
by cheese_breath
Thu Jun 23, 2016 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5586

Re: Should I express my inheritence thoughts to my father?

I do want to be clear that in no case would I be trying to ask for a greater share. That wouldn't be right of him as well as against my principles. Then what exactly do you want? Maybe a note in his will chastising your siblings for their lavish lifestyles and praising you for your more moderate on...
by cheese_breath
Thu Jun 23, 2016 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5586

Re: Should I express my inheritence thoughts to my father?

I do want to be clear that in no case would I be trying to ask for a greater share. That wouldn't be right of him as well as against my principles. Then what exactly do you want? Maybe a note in his will chastising your siblings for their lavish lifestyles and praising you for your more moderate on...
by cheese_breath
Wed Jun 22, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2469

Re: Replacing rotten stud in wall

I'm not a carpenter or a building inspector, but IMHO the only correct thing to do is replace all the damaged studs. Again, not a carpenter but $3K doesn't seem out of line to me considering all that needs to be done to do it right. But I suggest you get a couple more bids just to be sure.
by cheese_breath
Wed Jun 22, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Crickets chirping at night
Replies: 23
Views: 2212

Re: Crickets chirping at night

... OP - you need a predator for your crickets. Google says many creatures eat crickets - and would possibly solve your problem - including spiders, tarantulas, birds, snakes (before you use snakes, be sure to ask LadyGeek first), iguanas, frogs, rodents such as rats and mice, and bearded dragons. ...
by cheese_breath
Wed Jun 22, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Crickets chirping at night
Replies: 23
Views: 2212

Re: Crickets chirping at night

tooluser wrote:They get into my house at three locations in some way I cannot figure out. Not always one or two crickets, mind you, but sometimes whole herds....

A group of crickets is called an orchestra, not a herd. :P
by cheese_breath
Wed Jun 22, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice (ego, startup, San Francisco Bay Area)
Replies: 52
Views: 5440

Re: Very tough career choice (ego, startup, San Francisco Bay Area)

You can make your own decision. But I'll tell you you're not the first person to miss out on a position you thought you deserved, and you won't be the last. The founder's reasoning makes perfect sense to me.
by cheese_breath
Wed Jun 22, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5586

Re: Should I express my inheritence thoughts to my father?

To me it seems you're jealous of your siblings because they haven't been as frugal as you, and they won't be punished for their lavish lifestyle as the inheritance will wipe away their debts. I don't understand how you receiving an equal part of the inheritance will negate your efforts to build your...
by cheese_breath
Wed Jun 22, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Simplifying paying bills
Replies: 39
Views: 3059

Re: Simplifying paying bills

I use autopay too. Making interest free loans to all my utilities and insurance providers doesn't appeal to me that much.
by cheese_breath
Wed Jun 22, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Crickets chirping at night
Replies: 23
Views: 2212

Re: Crickets chirping at night

I used to enjoy the sound of crickets chirping at night when I was growing up before air conditioning. I miss it now that we have to keep all the windows closed because of DW's allergy conditions.
by cheese_breath
Wed Jun 22, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 3197

Re: Will there ever be a better time to sell off my international stake?

Seems to me waiting for a mere 5% drop in international is small potatoes. Why not ask you boss to cut your pay 50%. Then you can really save on taxes.
by cheese_breath
Wed Jun 22, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 3197

Re: Will there ever be a better time to sell off my international stake?

Yes!!! Sell it all today!!! If you wait it might go up, and then you'd have to pay more taxes.

Hint: Paying more taxes means you made more money. Even after you pay the higher tax you'll still have more left in your pocket. :greedy
by cheese_breath
Wed Jun 22, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: 100k+ with 2 year window, how to invest?
Replies: 16
Views: 962

Re: 100k+ with 2 year window, how to invest?

Why the 2 year window? Is it fixed or flexible? What would be the effect of +20% or -20% on the funds to this 2 year window? The usual number thrown out to invest in riskier assets is 5 years, but if the 2 years could be somewhat longer, or you have some flexibility and want to take a chance, consi...
by cheese_breath
Wed Jun 22, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: 100k+ with 2 year window, how to invest?
Replies: 16
Views: 962

Re: 100k+ with 2 year window, how to invest?

So would you buy a bond fund, like VBILX? Or an actual bond with a 2 year window? Also, anyway to lower fees or gain an advantage with a $100K purchase? For instance, VBILX has 10k minimum. Anything with a 100k minimum? Thanks I wouldn't unless you're willing to risk some loses. In two years a bond...
by cheese_breath
Wed Jun 22, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Using toll roads without transponder?
Replies: 19
Views: 1555

Re: Using toll roads without transponder?

I don't know about the states you mention, but we visit Texas occasionally. They identify us from our out of state license plate and send a bill to our home address.
by cheese_breath
Mon Jun 20, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Internet/WiFi speeds and costs
Replies: 54
Views: 3594

Re: Internet/WiFi speeds and costs

30 Mbps is a fine speed. No way does a home need >100 Mbps. Devil is in the details. When they state 30 MBPS, that is usually the peak bandwidth. The sustained bandwidth will be much less, perhaps as little as 20% of peak. Sustained is what you care about when HD video streaming. Most vendors will ...
by cheese_breath
Mon Jun 20, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 1884

Re: Good place to buy new washer dryer

Since not many liked my mom and pop store suggestion... I got a new fridge online about 3 years ago. Home Depot, Lowes and Best Buy all had the same fridge within $3 of each other's prices. I chose Best Buy to get their reward points. Plus Discover gave me 5% back for accessing BB through the Discov...
by cheese_breath
Mon Jun 20, 2016 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Does Magic Formula works or ever worked for you?
Replies: 18
Views: 1969

Re: Does Magic Formula works or ever worked for you?

When I saw "Magic Formula" in the title I thought this might be another weight loss product. And maybe it is after all. You could end up with a lighter wallet when you're done with it.
by cheese_breath
Sun Jun 19, 2016 3:47 pm
Forum: Investing - Theory, News & General
Topic: Why has congress prevented us from maxing Roth and traditional?
Replies: 6
Views: 962

Re: Why has congress prevented us from maxing Roth and traditional?

It seems like discrimination against those of us with no access to a 401k or other employer sponsored and tax sheltered retirement programs. Why can someone working for Delta or some other huge corporation get $47k in tax advantaged programs and my family only gets $11K? You're asking us to explain...
by cheese_breath
Sun Jun 19, 2016 3:39 pm
Forum: Personal Consumer Issues
Topic: Vanguard change of address policies
Replies: 13
Views: 1693

Re: Vanguard change of address policies

usaar33 wrote:.... this is the worse problem I've ever run into).

Then you must live a fairy tale life.
by cheese_breath
Sat Jun 18, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Internet/WiFi speeds and costs
Replies: 54
Views: 3594

Re: Internet/WiFi speeds and costs

Crimsontide wrote:Just a pet peeve here.

M= Mega or 1,000,000
m= milli or .001

mbps= is indescribably slow....

When discussing DL/UL times please use Mbps.

Sorry, engineers are just anal like this :happy

I just got a free upgrade from 50 mbps to 50 Mbps. Hooray. :D
by cheese_breath
Sat Jun 18, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 1884

Re: Good place to buy new washer dryer

An appliance store. Which is a better option Sears, Lowes, Home depot? Possibly your local mom and pop appliance store may be a better choice from the service aspect. Their prices will probably be higher than the big box stores, but they may be more willing to go the extra mile for your business. T...
by cheese_breath
Fri Jun 17, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a company to sell software?
Replies: 51
Views: 2069

Re: Do I need a company to sell software?

Long story short, after building several websites or coding somethibg passionately for months and figuring out it has no sale value, I finally decided to do something I work in my primary job. So I wrote an automated code review utility for a niche tool based platform that has several clients. I fi...
by cheese_breath
Fri Jun 17, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: What financial/insurance product to sell?
Replies: 12
Views: 1270

Re: What financial/insurance product to sell?

How about selling something people really need such as home or auto insurance. Term life would be OK too. As far as anything classified as financial / insurance... NO. Insurance is not an investment. Don't mix the two. Stay away from things like whole life, universal life, variable / indexed annuiti...

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