Search found 6847 matches

by cheese_breath
Tue Jan 17, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Loaning $$$ to Vendor
Replies: 24
Views: 864

Re: Loaning $$$ to Vendor

20% off would be until we use up the 20k ...] And that's it? You're giving them a $20K loan and for free? They should at least give you a long enough discount to compensate for the interest you would have earned if you left the money in the bank. No, if the stated "deal" and assumptions a...
by cheese_breath
Tue Jan 17, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Loaning $$$ to Vendor
Replies: 24
Views: 864

Re: Loaning $$$ to Vendor

jim_03 wrote:20% off would be until we use up the 20k ...]

And that's it? You're giving them a $20K loan and for free? They should at least give you a long enough discount to compensate for the interest you would have earned if you left the money in the bank.
by cheese_breath
Tue Jan 17, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is Insurance Rebate Taxable?
Replies: 8
Views: 303

Re: Is Insurance Rebate Taxable?

I'm not a tax expert, but to me a rebate seems like a retroactive premium reduction. I don't pay taxes on rebates I get from Staples or Norton when I buy their products.
by cheese_breath
Tue Jan 17, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Loaning $$$ to Vendor
Replies: 24
Views: 864

Re: Loaning $$$ to Vendor

jim_03 wrote:Vendor is a big time distributor and we have been doing business for atleast 5 years now...

Unfortunately that guarantees nothing. Go to Google, enter "bankrupt food distributors" and see what you get.
by cheese_breath
Tue Jan 17, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Loaning $$$ to Vendor
Replies: 24
Views: 864

Re: Loaning $$$ to Vendor

Happy New Year All! I have a situation and wanted to see what my fellow bogleheads would do and help me out with ideas. Me and my partner run a retail grocery store and one of our vendors have come up with a deal where he would give us discount in the below proportion over our invoices. If we loan ...
by cheese_breath
Mon Jan 16, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 20
Views: 3219

Re: Get $250 from Wells Fargo

As far as I know I haven't been caught up in any of the WF scams yet. Maybe that's because I don't have any accounts with them. Think I'll keep it that way.
by cheese_breath
Sun Jan 15, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 36
Views: 2723

Re: How High is Your TV?

Our's is at eye level when sitting on the couch. I took the vintage cabinet from a big enclosed 1960's TV (similar to this one, but nicer)... http://www.myrepurposedlife.com/wp-content/uploads/2013/11/old-tv-cabinet.jpg and repurposed it for my HDTV. Reinforced the top to hold extra weight, put in s...
by cheese_breath
Sun Jan 15, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: What is that gas / fume smell from furnace?
Replies: 15
Views: 782

Re: What is that gas / fume smell from furnace?

A few true facts: 1. Natural gas doesn't quite smell like rotten eggs, but it does have a distinctive and unpleasant smell.... "In its native state, natural gas is odorless, colorless and tasteless. Mercaptan, the harmless chemical that is added to natural gas, contains sulfur, which makes it ...
by cheese_breath
Sun Jan 15, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Retired, expenses covered but still growing portfolio, why?
Replies: 46
Views: 4244

Re: Retired, expenses covered but still growing portfolio, why?

friar1610 wrote:We could both die leaving more $ behind than we need to, but even if you can have regrets from the great beyond, I suspect we won't have many.

And even if you do have a regret or two I doubt they be about the money you didn't spend. :wink:
by cheese_breath
Sun Jan 15, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: What is that gas / fume smell from furnace?
Replies: 15
Views: 782

Re: What is that gas / fume smell from furnace?

You should call the gas company to investigate for leaks. Leaks could be from any supply pipe in your building, any part of your burner assembly even when turned off, or a leak in a service pipe or main under ground. Do not delay and do not mess around with furnace repairmen or the landlord. The ga...
by cheese_breath
Sun Jan 15, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Doing email with a Chromebook
Replies: 16
Views: 1180

Re: Doing email with a Chromebook

It doesn't have to be Gmail, but it need to have a web based interface.
by cheese_breath
Sun Jan 15, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Retired, expenses covered but still growing portfolio, why?
Replies: 46
Views: 4244

Re: Retired, expenses covered but still growing portfolio, why?

I'm continuing to grow my portfolio because I don't believe my non-COLA pensions and SS will keep up with my costs of living increase over the long term. Actually, when I retired I expected to be supplementing them with portfolio withdrawals now. But with the lower than expected inflation my pension...
by cheese_breath
Sun Jan 15, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2029

Re: Recommendations for home paper shredder

I have one of these. http://www.staples.com/OMNITECH-14-SHEET-CROSS-CUT-SHREDDER/product_1051112 The cross cut produces confetti instead of strips. (Nobody will tape that back together . :D ) Note: Today (January 14) is the last day of the sale if you're interested..... Looks like the sale has been...
by cheese_breath
Sun Jan 15, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans in Virginia
Replies: 4
Views: 191

Re: Medigap Plans in Virginia

Do you know Plan F will be closed to new subscribers in 2020? Have you considered Plan G instead? There have been some discussions here concerning what might happen to Plan F premiums as the insured pool grows older because 'newer blood' won't be entering it anymore beginning in 2020. I recently swi...
by cheese_breath
Sat Jan 14, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2029

Re: Recommendations for home paper shredder

I have one of these. http://www.staples.com/OMNITECH-14-SHEET-CROSS-CUT-SHREDDER/product_1051112 The cross cut produces confetti instead of strips. (Nobody will tape that back together . :D ) Note: Today (January 14) is the last day of the sale if you're interested. edit: Looking at the reviews I se...
by cheese_breath
Fri Jan 13, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Let's say you are dying this year
Replies: 35
Views: 4344

Re: Let's say you are dying this year

Are they interested in donating the airline miles to charity?
http://wish.org/ways-to-help/giving/air ... 1kao23rd60

I don't think they're tax deductible, but at least they'll be put to good use.
by cheese_breath
Sun Jan 08, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Um, you seem to be missing the point. It is more about protecting the sister's business. There is risk to her depending on how deep the BIL's problems are and what exactly he has done. She doesn't need child support, she needs her business. Going on some misguided crusade against him may blow her u...
by cheese_breath
Sat Jan 07, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Sorry. This is just bad myopic advice. Unless the OP is interested in financially supporting his sister and rug rats. You need to understand the context of my comment, specifically the children. You don't want them learning one can escape consequences for bad behavior with smooth talk and bullying....
by cheese_breath
Sat Jan 07, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Disadvantage of Tax loss harvesting
Replies: 65
Views: 3410

Re: Disadvantage of Tax loss harvesting

I'm nowhere near $150K in losses so I won't get into that, but I did harvest about $4K this year. I plan to use $3K to offset 2016 ordinary income and carry the rest over to offset 2017 ordinary income.
by cheese_breath
Fri Jan 06, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: December Roth Conversion
Replies: 5
Views: 242

Re: December Roth Conversion

Yes you need to do it sooner. The December Roth conversion counts as 2106 income. You should submit an estimated tax payment by January 17th to cover it.
by cheese_breath
Thu Jan 05, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

The kid's welfare isn't very well served if they're taught by example that doing whatever they want is OK as long as they can escape the consequences. Obviously our opinions differ. I think teaching lessons is a priority among many, and rather less than others. You appear to think it is paramount, ...
by cheese_breath
Thu Jan 05, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Re: Cookies that don't go away

Thanks Tamales, I was thinking of buying a Chromebook, but not any more. I'm using firefox with ad block and I've never gotten ads or emails that won't go away...l I think Tamales comment was probably referencing Chrome on a WIndows machine. I'm on a Chromebook right now, and I've never had the pro...
by cheese_breath
Thu Jan 05, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

You need to understand the context of my comment, specifically the children. You don't want them learning one can escape consequences for bad behavior with smooth talk and bullying. The last thing OP's sister needs is one of the children adopting dear old dad as a role model because he got the best...
by cheese_breath
Thu Jan 05, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Too "old" to rent a car?
Replies: 6
Views: 1012

Re: Too "old" to rent a car?

atlnuke wrote:Age discrimination is legal. The under 25 fee, insurance rates....

Of course. Everyone knows people under 25 can't drive safely. :D
by cheese_breath
Thu Jan 05, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Re: Cookies that don't go away

Have you tried something like CCleaner to delete all cookies?

Or maybe it isn't a cookie. Have you tried something like Malwarebytes?
by cheese_breath
Thu Jan 05, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Too "old" to rent a car?
Replies: 6
Views: 1012

Re: Too "old" to rent a car?

To old is when you can't drive safely anymore. IMO unless she was exhibiting some kind of physical or mental condition at the rental counter which would impair her ability to drive, this most likely is age discrimination.
by cheese_breath
Thu Jan 05, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

She needs to stay strong and not let BIL off the hook if for no other reason that the children's sake. Although it might be painful they need to see that actions like this can have bad consequences. Letting BIL slide by with few or no consequences might teach them an entirely different lesson. I ag...
by cheese_breath
Thu Jan 05, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: How will the market perform in 2017?
Replies: 45
Views: 3136

Re: How will the market perform in 2017?

I think it will either go up or down, either a little or a lot. I'm risking everything by staying the course.
by cheese_breath
Thu Jan 05, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Glad it seems to be progressing well, but I'd like to remind you of my previous comment regarding your sister. Even though you shouldn't be legally involved in her case you still need to be there to provide her with moral support. She needs to stay strong and not let BIL off the hook if for no other...
by cheese_breath
Wed Jan 04, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 8451

Re: Ally Bank 1.25% 11 month with no EWP

pasadena wrote:This CD is now down to 0.87% APY.

Whoa! I guess those of us who got in early should consider ourselves lucky.
by cheese_breath
Wed Jan 04, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

... Also, he wants to move out of the house, but he is demanding my sister to give him money for expenses because he has none. .... This would be funny, if it wasn't so sad. Exactly. While I agree with other posters that your mother should be your primary focus, your sister is family too. While her...
by cheese_breath
Wed Jan 04, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

NotWhoYouThink wrote:...You have never clarified what her cognitive capability is. Can she talk with the lawyer, or do you need to start the process of having her declared legally incompetent?....


Yes he did...

phatkev wrote:... Some of the issues with my mother's POA is that she is completely mentally incompetent now...
by cheese_breath
Wed Jan 04, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

I hope the stories about all doctors being rich are true (I know they're not), because you are likely to incur significant legal costs before this is resolved. For example, the answer to many of your 'how do I get access to' type questions is you will need a court order, and your lawyer may be the p...
by cheese_breath
Tue Jan 03, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Exterior Paint vs. Vinyl Siding
Replies: 24
Views: 1238

Re: Exterior Paint vs. Vinyl Siding

We faced the same decision two paint jobs ago and took a tour of the vinyl resided homes in our area. They didn't look too bad except around the windows. What had been attractive wood window trim was encased in boxy vinyl trim. Sort of reminded me of prison windows, so we stayed with the wood. We ju...
by cheese_breath
Tue Jan 03, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

...That BIL is still lying to you, in the current situation, makes BIL is not a good source of reliable information. Your mother needs an experienced professional to recover her financial situation and/or advise on how to help her navigate the remainder of her days in the screwed up U.S. elder care...
by cheese_breath
Tue Jan 03, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Tracking mileage with non-working odometer
Replies: 19
Views: 870

Re: Tracking mileage with non-working odometer

Maybe you could pay someone with a working odometer to follow you around on your route? :P

Seriously though... If you drive the same route every day and measure it once to get an accurate reading I would think you could make a 'retroactive' daily mileage log if the IRS requires one.
by cheese_breath
Mon Jan 02, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do you recommend using credit karma's tax product?
Replies: 12
Views: 818

Re: Do you recommend using credit karma's tax product?

haranoth wrote:... So, wondering do you guys plan to use creditKarma given that I think it's their first year in the tax software/service business.
What are your thoughts...

Let someone else pioneer the new products. How can you identify the pioneers? They're the ones with arrows in their backs.
by cheese_breath
Mon Jan 02, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

... There are many illegal things my brother-in-law has done so far, including forging my sister's signature on loan applications and tax returns... I completely overlooked this tidbit in the original post. If there was any question of whether the law should be brought into this mess, this answers ...
by cheese_breath
Mon Jan 02, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Mechanic crashed car on delivery. Who's responsible to make whole?
Replies: 29
Views: 4035

Re: Mechanic crashed car on delivery. Who's responsible to make whole?

The mechanic is responsible from the time he accepts the vehicle into his custody until he returns it to the customer. However I believe he is only responsible for the Blue Book value, not what the owner valued it at.
by cheese_breath
Mon Jan 02, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

My BIL is a very arrogant, controlling person, who hid this from my sister. She definitely takes some of the blame for her ignorance of the situation, but she was trying to get the information for years, but didn't press very hard because things had been ok for 18 years of marriage, and she was mar...
by cheese_breath
Mon Jan 02, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Movies have taught us that evil people are mustache-twirling puppy kickers. Actual evil people are exactly like you and me, but they do evil things. And they get away with it because we have such a hard time identifying them for what they are. In the case of BIL he makes a living coaxing people out...
by cheese_breath
Mon Jan 02, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

I, for one, would give him the benefit of the doubt until shown otherwise. With up to 15 vacations a year (or at least one a month!), they WERE spending too much, so it was easy to let things get out of hand. [I know of one case where a family left town often until they finally moved far away--and ...
by cheese_breath
Mon Jan 02, 2017 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund In A Money Market Account?
Replies: 13
Views: 1450

Re: Emergency Fund In A Money Market Account?

Use an online Bank FDIC insured savings account instead. I use Ally which currently pays 1%, but there are others that are just as good. Right now Ally is offering an 11 month no penalty paying 1.25%.

https://www.ally.com/bank/no-penalty-cd/
by cheese_breath
Mon Jan 02, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28766

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

... I was planning to meet with my BIL to "hand off the POA" to me, or at least get all the financial information handed over to me. But he's been avoiding me, dodging my calls, and I'm convinced that he's not going to talk with me anymore. ... The big problem is that this is much more co...
by cheese_breath
Sun Jan 01, 2017 9:31 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Holidays 2016 and Thank you!
Replies: 20
Views: 925

Re: Happy Holidays 2016 and Thank you!

You're back!!!

Happy new year.
by cheese_breath
Sat Dec 31, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6419

Re: Affordable home exercise

shmidds wrote:Get an Amazon Echo Dot and ask Alexa to enable the "7 Minute Workout".


Or this .. https://www.amazon.com/Jane-Fondas-Work ... orkout+dvd :D
by cheese_breath
Sat Dec 31, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting a Leave of Absence
Replies: 25
Views: 1932

Re: Requesting a Leave of Absence

Haven't had a break since leaving college? Don't they give you vacations at that place?

Anyway to second others, you need a new employer not a leave of absence. You're not the first one who had a miserable job, but most tough it out until they can find something better.
by cheese_breath
Sat Dec 31, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distribution: "public charity" definition
Replies: 15
Views: 584

Re: Qualified Charitable Distribution: "public charity" definition

So you actually had the QCD notation on Line 15 with an amount and the IRS still sent you a letter? Interesting! Yes, but I'm thinking it might have been due to a change in my spending pattern. 2013 was the first year I became aware of QCDs. Prior to that I had paid my charities with after tax doll...
by cheese_breath
Sat Dec 31, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distribution: "public charity" definition
Replies: 15
Views: 584

Re: Qualified Charitable Distribution: "public charity" definition

Does one need a receipt? I have QCDs where I forwarded the check(s) asking for a receipt and got no response. Fido however did confirm the checks were received and cashed. It couldn't hurt if you're audited as I was in 2013. Does FIDO provide documentation that the checks were cashed, or was it jus...

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