Search found 7224 matches

by cheese_breath
Wed Dec 06, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: House Purchase question
Replies: 1
Views: 328

Re: House Purchase question

Put it in a different savings account with a better rate of return. For example, you could get an 18 month high yield CD paying 1.70% at Ally Bank right now.
by cheese_breath
Wed Dec 06, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10663

Re: Do people still use AAA?

I cancelled all my AAA insurances a couple years ago because they got too expensive, but I kept the membership for road service and the discounts. Any yes, I've called AAA to change tires. I'm too old to mess around with that.
by cheese_breath
Sat Dec 02, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10349

Re: Price of haircut?

pfrank wrote:
Sat Dec 02, 2017 7:42 am
Free. We have a Oster 76 ...
First thing I thought of when I saw this was a blender. :shock:
by cheese_breath
Fri Dec 01, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10349

Re: Price of haircut?

fishandgolf wrote:
Fri Dec 01, 2017 7:43 pm
No hair = no hair cut.............but I do pay $75.00 to have my grass cut :shock:
How much if you add shampoo and blow dry?
by cheese_breath
Fri Dec 01, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10349

Re: Price of haircut?

Before DW's stroke I was paying $14 plus $3 tip. Now that I'm having it done at her nursing home it's $19 plus $5 tip.
by cheese_breath
Fri Dec 01, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: How to track purchase/warranty information?
Replies: 9
Views: 566

Re: How to track purchase/warranty information?

Staple everything to the owner's manual and put it in the cabinet with all the other owners manuals. I don't need a complicated filing system for something I might access once or twice over the life of the item; just search through the cabinet for the one I want when I want it. If there's more than ...
by cheese_breath
Fri Dec 01, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing state tax payment & deduction in 2017
Replies: 5
Views: 789

Re: Maximizing state tax payment & deduction in 2017

If I understand the question... Yes and No. Assuming you pay the total $120K in 2017, you deduct the $120K state tax payment on the 2017 federal return. But since you overpaid by $22K you'll get a $22K refund from the state when you file your 2017 state income tax return in 2018. You might be able t...
by cheese_breath
Thu Nov 30, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: Which of these investments would you have wanted to hold?
Replies: 6
Views: 670

Re: Which if these investments would you have wanted to hold?

Not enough data. I wouldn't base my investment decisions on a past performance chart, especially one whose last data point is almost nine years ago.
by cheese_breath
Wed Nov 29, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Random package from Amazon - early warning of identity theft?
Replies: 19
Views: 2946

Re: Random package from Amazon - early warning of identity theft?

Think I'll use Amazon to send some anonymous cheap chocolates to my SOB BIL. :twisted:
by cheese_breath
Tue Nov 28, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Dentist refusing to refer to specialist?
Replies: 19
Views: 2693

Re: Dentist refusing to refer to specialist?

... The dentist himself said they would cooperate if we found another specialist, which is the case here, but after three calls to their office, they refuse talking to the specialist simply saying they "don't do that." .... Who is "They"? Possibly one of the office staff? Phone them back and tell t...
by cheese_breath
Sun Nov 26, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9415

Re: What did you do right?

Invested 15% into TIAA-CREF from 1968-1976 directing as much as they would allow into CREF stock. Then ignored it until I retired in 1997.
by cheese_breath
Sun Nov 26, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2539

Re: Are there ant unspoken rules to "keep in touch" with previous boss?

I don't know what rules the ants might have, but it couldn't hurt to keep him in your informal network. From your OP I get the impression he thinks highly of you.
by cheese_breath
Sat Nov 25, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9230

Re: Regrets for taking SS at 62 or waiting?

No regrets. DW and I both took ours at 62 and used it for living expenses instead of pulling money from our investments during some of the worst times to do that. Our situation may have been similar. After retiring and living solely off of our investments for 8 years we decided to both take at 62 i...
by cheese_breath
Fri Nov 24, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12106

Re: Help DW gets fired, but then next day her boss offers her job back

2pedals wrote:
Fri Nov 24, 2017 6:17 pm
Payoffhouse wrote:
Fri Nov 24, 2017 6:11 pm
Boss explained to her that he can no longer afford her salary.
What about the salary for everybody else?
Payoffhouse wrote:
Tue Nov 21, 2017 9:14 pm
.... Taking a 25% pay cut would be inline what someone in her position makes....
Does this mean she's currently overpaid?
by cheese_breath
Thu Nov 23, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to negotiate a layoff?
Replies: 22
Views: 2262

Re: Is it possible to negotiate a layoff?

Why would someone with Bllionaire alias have trouble getting lid off? Just buy the company and lay yourself off.
by cheese_breath
Thu Nov 23, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 143
Views: 15284

Re: Chromebooks- What is the lure?

I great a great deal from Symantic last week. Renewed my Norton Security Premium subscription for my Windows machine for only $29.99.

Know how much security software for my Chromebooks costs???? ..... Zero.
by cheese_breath
Thu Nov 23, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9230

Re: Regrets for taking SS at 62 or waiting?

No regrets. DW and I both took ours at 62 and used it for living expenses instead of pulling money from our investments during some of the worst times to do that.
by cheese_breath
Tue Nov 21, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12106

Re: Help DW gets fired, but then next day her boss offers her job back

Take the job and immediately start looking for another one. And when she finds another one give her boss the same 2 day notice he gave her... just to rub his nose in it. :twisted:
by cheese_breath
Sun Nov 19, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Do you record customer service interactions?
Replies: 23
Views: 1237

Re: Do you record customer service interactions?

You betcha... Especially with Blue Cross and Comcast where I can bombard them with a litany of their screwups since the previous call.
by cheese_breath
Sun Nov 19, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Insurance claim - what is my obligation?
Replies: 11
Views: 1043

Re: Insurance claim - what is my obligation?

Several years ago a carpet we bought developed a flaw. It was replaced under warranty, and the dealer took the old one back to return to the carpet company in order to verify the claim. In your case it's a moving company, but they might need the old mattress to prove to the insurance company that th...
by cheese_breath
Wed Nov 15, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3610

Re: Chromebook vs Windows 10?

Chromebooks take a completely different approach. The "system" is the Internet. The apps are on the web and the storage is in the cloud. The system doesn't slow down, because all the crap you might "install" do not drag down the performance. Stuff doesn't stop working, because the "version" you run...
by cheese_breath
Tue Nov 14, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 20
Views: 1924

Re: Mozilla Firefox Donations?

orlandoman wrote:
Tue Nov 14, 2017 1:08 pm
Mozilla also has a free email client called Thunderbird, which I use. I replaced Microsoft Oulook, which is a paid product. It is an ad free software program and I made a donation to Mozilla.
I think a lot of us here use Thunderbird. I moved to it when MS dropped Outlook Express.
by cheese_breath
Tue Nov 14, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3610

Re: Chromebook vs Windows 10?

Ok. 2 needs. One is printing. Seems like a non issue with a chromebook and wireless printer. Second (huge) is that i like to download my Google drive to a flash drive once a month just in case. Can that be done with a chromebook? Use the Chromebook Recovery Utility https://computers.tutsplus.com/tu...
by cheese_breath
Tue Nov 14, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3610

Re: Chromebook vs Windows 10?

That's hoew I do it when I'm at the nursing home (like now). I just use the Chromebook print function, and the printout is stored in the cloud. When I get home I turn on my PC and the printer, and out comes the printout. Do you have security concerns about doing this if what you want to print is co...
by cheese_breath
Tue Nov 14, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3610

Re: Chromebook vs Windows 10?

I got this link from a fairly current thread on Chromebooks: https://support.google.com/chrome/answer/1069693?visit_id=1-636460080533999729-1202817328&p=settings_cloud_print&rd=1 That's hoew I do it when I'm at the nursing home (like now). I just use the Chromebook print function, and the printout ...
by cheese_breath
Mon Nov 13, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3610

Re: Chromebook vs Windows 10?

Ok. 2 needs. One is printing. Seems like a non issue with a chromebook and wireless printer. Second (huge) is that i like to download my Google drive to a flash drive once a month just in case. Can that be done with a chromebook? Use the Chromebook Recovery Utility https://computers.tutsplus.com/tu...
by cheese_breath
Mon Nov 13, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3610

Re: Chromebook vs Windows 10?

... My 2 chromebooks each lasted only 2 years before dying. I think this is important to factor into price considerations. Although I would assume cheap Windows laptops to have similar build quality.... My 2 Chromebooks... one is 4 years old, one is 2 years old. Both are still going fine, although ...
by cheese_breath
Sun Nov 12, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3610

Re: Chromebook vs Windows 10?

I have two Acer Chromebooks. I'm using one right now for this post. I use this one for Internet surfing, Email and occasional YouTube viewing. My older one is permanently HDMI cable attached to a HDTV so I can watch streaming sports events on the big screen. They're great for what I use them for, bu...
by cheese_breath
Tue Nov 07, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: sell bonds to pay off boat?
Replies: 12
Views: 630

Re: sell bonds to pay off boat?

Are the bonds part of your retirement savings? I'd hesitate to take money out of my retirement savings to pay for current pleasures.
by cheese_breath
Mon Nov 06, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Dividends make up for high mutual fund fees
Replies: 31
Views: 2126

Re: Dividends make up for high mutual fund fees

Tell him you can create your own dividends whenever you want by selling a few shares of your low fee index fund.
by cheese_breath
Fri Nov 03, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8541

Re: Should I decline Grand Prize trip because of taxes on winnings?

Would they be willing to give you something else that you might enjoy more instead? Years ago my MIL won a trip for 2 to Las Vegas, but didn't want to go. She tried giving it to DW and me, but we didn't want to go either I asked her to see if they'd be willing to give her 2 plane tickets to Californ...
by cheese_breath
Thu Nov 02, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7749

Re: Does Retirement Make You Lazier?

No. I was already lazy.
by cheese_breath
Wed Nov 01, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Easy Way to Change Guardians in Will
Replies: 8
Views: 553

Re: Easy Way to Change Guardians in Will

Our child(ren) are grown now, so this is not relevant to us. As I clearly recall (when it was relevant), your will does NOT establish guardianship for minor children in case of your death(s); that is done by a court. There may be lots of things you might put in a will - but that does not mean they ...
by cheese_breath
Tue Oct 31, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15453

Re: What was the main reason you retired?

Because I wanted to. Retirement was always my career objective.
by cheese_breath
Wed Oct 25, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Best VPN for Chromebook
Replies: 6
Views: 483

Re: Best VPN for Chromebook

BolderBoy wrote:
Wed Oct 25, 2017 10:22 am
Not familiar with a Chromebook. What OS does it use? ...
Chrome OS
by cheese_breath
Wed Oct 25, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Best VPN for Chromebook
Replies: 6
Views: 483

Best VPN for Chromebook

For the past 6 months my little Chromebook has been a constant companion as I stay with DW at the various hospitals and nursing homes, but I've been careful not to use it on anything other than Internet surfing, non-sensitive Emails, and occasional YouTube videos because of the non-secure WI-FIs. So...
by cheese_breath
Thu Oct 19, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D Service Area
Replies: 1
Views: 212

Medicare Part D Service Area

Assuming there are some out there with loved ones in nursing homes and using Medicare Part D for their prescription plan, do you use your home address for their Part D address or do you use the nursing home address? Reason I ask is I’m investigating taking DW from MI to a TX nursing home in December...
by cheese_breath
Thu Oct 19, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: medicare supplement
Replies: 29
Views: 2123

Re: medicare supplment

Only difference between F and N is plan N doesn't pay part B deductible or part B excess charge. DW had a stroke last April, and her plan N has forked out over $100K for her care. My AARP UHC Plan N specifies that I pay up to a $20 fee for office visits. Deciding on N vs F or G should consider the ...
by cheese_breath
Thu Oct 19, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: medicare supplement
Replies: 29
Views: 2123

Re: medicare supplment

Only difference between F and N is plan N doesn't pay part B deductible or part B excess charge. DW had a stroke last April, and her plan N has forked out over $100K for her care.
by cheese_breath
Sun Oct 15, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7642

Re: What are you driving? And would you buy your current ride again?

2000 Chevrolet Silverado 1500 short cab 4.3L V-6... Yes
2009 Chevrolet Impala LS 3.5L V-6... Yes
by cheese_breath
Wed Oct 11, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2186

Re: Moving Stroke Victim Out of State

BL wrote:
Wed Oct 11, 2017 5:45 am
I have no advice but want to wish you the best in this difficult journey.
Thanks. It hasn't been easy, but I trust in the Lord that it will all work out in the end.
by cheese_breath
Tue Oct 10, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2186

Re: Moving Stroke Victim Out of State

I...On my ACA health plan changing my address outside of my county would change my health insurance rates and what plans are available to me. I assume you are on Medicare and it's probably different, but you should check on this... Medicare isn't a problem; it's the same wherever. But medigap is a ...
by cheese_breath
Tue Oct 10, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2186

Re: Moving Stroke Victim Out of State

I'm sorry to hear you are going through this rough time. I rolled my entire VG Roth into my TIAA Roth and put it into the new TIAA Traditional currently paying 2.25%. Could you explain this better? Does this mean you transferred a VG Roth to a TIAA Roth, then moved it into a traditional IRA at TIAA...
by cheese_breath
Tue Oct 10, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2186

Re: Moving Stroke Victim Out of State

Cheese. Why a nursing home in Texas vs one locally where you live now in Michigan? Are there some family dynamics that I do not see? Yes, partially. DW still cannot talk and is paralyzed on the right side, and can't call for help if she needs it. Basically she is helpless without someone here to be...
by cheese_breath
Tue Oct 10, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2186

Moving Stroke Victim Out of State

I wanted to provide an update to my previous threads https://www.bogleheads.org/forum/viewtopic.php?f=2&t=220279 and https://www.bogleheads.org/forum/viewtopic.php?f=2&t=220287 and ask pose some additional questions. First, in order to protect against possible market downturns I’ve converted all my ...
by cheese_breath
Wed Sep 27, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Naming a temporary power of attorney
Replies: 9
Views: 532

Re: Naming a temporary power of attorney

I'm not a lawyer, but I don't think you can hand the POA off to another person.
by cheese_breath
Wed Sep 27, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: GM Master Card Site
Replies: 7
Views: 783

Re: GM Master Card Site

I tried it, and it didn't know me. So I wrote a check, and I guess I'll wait till next month to see if it's any smarter by then.
by cheese_breath
Tue Sep 26, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: GM Master Card Site
Replies: 7
Views: 783

GM Master Card Site

I went to the GM Master Card site (Capital One) yesterday to pay my bill, and when I tried to logon a screen displayed saying the site had changed and I’d need to update my login credentials, and directing me to complete a one-time enrollment process. When I pressed the Enroll Now button a different...
by cheese_breath
Sun Sep 03, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Maximum Medical Deduction
Replies: 8
Views: 801

Re: Maximum Medical Deduction

I'm paying for a private room so I can stay with her overnight and she won't be bothered by roommate's noisy visitors. I'm assuming the IRS won't allow me to deduct the private room cost, but will allow me to deduct the cost of the lowest priced double room in the same facility instead. Is this corr...