Search found 7329 matches

by cheese_breath
Wed May 23, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Legally Exempt IRAs from Medigap Countable
Replies: 3
Views: 295

Legally Exempt IRAs from Medigap Countable

For those unfamiliar with my previous posts concerning DW’s massive stroke 13 months ago, I flipped the coin and lost in deciding whether to get long term care insurance so I’m paying out of pocket for her nursing home care. Others might recall in a post last October I wrote... ... in order to prote...
by cheese_breath
Wed May 23, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick
Replies: 27
Views: 1665

Re: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick

2003 Century with only 25K miles and perfect condition other than a little rust? Yes, spend the $1500. Then put it in the garage for 40 years, and then show off your brand new 2003 Buick Century in the Detroit Dream Cruise.
by cheese_breath
Tue May 22, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 1299

Re: Car wreck insurance settlement

You can expect him to give you a sheet of paper to sign releasing his company from all responsibility for any other bills or injuries. Talk to a lawyer before you sign anything.
by cheese_breath
Tue May 22, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: If you suddenly became a millionaire [exceed FDIC insurance limit]
Replies: 16
Views: 2197

Re: If you suddenly became a millionaire [exceed FDIC insurance limit]

Basing your investment decisions on the FDIC limit isn't a good approach. If you need more than $250K in cash open another account and put the rest in it. If you need less than $250K in cash, then only put what you need in the bank and invest the rest in line with your desired AA.
by cheese_breath
Tue May 22, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Does the IRS care about pennies?
Replies: 7
Views: 867

Re: Does the IRS care about pennies?

I'm no expert, but I would think you are safe since it would (I assume) round to the nearest dollar. You could always call the IRS and find out too...I hear they are actually quite helpful and nice. And if you call often you'll eventually find someone who will tell you exactly what you want to hear...
by cheese_breath
Tue May 22, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 27
Views: 1486

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

With AAA a guy with a big tow truck arrives to pull out of the ditch. With CEICO you get a little lizard in a Tonka.
by cheese_breath
Sun May 20, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9603

Re: done with Gmail

PFInterest wrote:
Sun May 20, 2018 9:04 pm
gmail is literally the best personal email client.
Gmail is a client???
by cheese_breath
Sat May 19, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: recruiter says you are the top candidate -- true?
Replies: 5
Views: 672

Re: recruiter says you are the top candidate -- true?

Even if it's true it only means you're the top candidate of the ones they've talked to so far.
by cheese_breath
Fri May 18, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 0% tax rate on capital gains
Replies: 18
Views: 1889

Re: Taking advantage of 0% tax rate on capital gains

not4me wrote:
Fri May 18, 2018 11:25 am
mdh52 wrote:
Thu May 17, 2018 6:37 pm
Hello, I am active duty military and my wife is attending graduate school and stopped working this year so we should be in the 12% tax bracket with about $15,000 to spare before the next bracket.
Thank you & your family for your sacrifice & service!
+1
by cheese_breath
Thu May 17, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 0% tax rate on capital gains
Replies: 18
Views: 1889

Re: Taking advantage of 0% tax rate on capital gains

I'm assuming (you know what happens when you assume) VTSAX is the Total Stock Market Index. I haven't memorized the 150 or so Vanguard mutual fund symbols yet. It would help if you spelled out each fund along with the symbols. Why not just transfer into the S&P 500 index? bill +1 Why would you want...
by cheese_breath
Thu May 17, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Renting storage unit
Replies: 24
Views: 1678

Re: Renting storage unit

No first hand experience, but I did some investigation recently. Recently moved my wife to Texas to be near her family and rented an apartment for myself near the nursing home. She has a BIG collection of teddy bears, dolls and celebrity memorabalia. I was trying to decide whether to put it in stora...
by cheese_breath
Mon May 14, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do I tell Social Security I retired?
Replies: 32
Views: 3923

Re: Do I tell Social Security I retired?

You don't have to tell them you have no income. They'll know. They know everything.
by cheese_breath
Sun May 13, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5154

Re: Buying land in central FL

bob60014 wrote:
Sun May 13, 2018 6:35 pm
Sinkholes, swampland and zoning issues come to mind.
alligators?
by cheese_breath
Sun May 13, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5154

Re: Buying land in central FL

moneywise3 wrote:
Sun May 13, 2018 6:01 pm
...Some face water...
Central FL facing the water? Just make sure that doesn't mean facing the water while looking up.
by cheese_breath
Sun May 13, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: About to fire advisor, lagging. Comments?
Replies: 17
Views: 1125

Re: About to fire advisor, lagging. Comments?

livesoft wrote:
Sun May 13, 2018 11:11 am
Why do you need any approval to do this from the peanut gallery? Did you ask for our approval when you signed up with this outfit in the first place?
WOW, somebody got up on the wrong side of the bed this morning. :D :D :D :D
by cheese_breath
Sun May 13, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 368

Re: Selling shares from taxable, do lot choices matter?

If your tax bracket is low enough that you don't pay taxes on the LTCGs, then I'd sell off the ones with the most gains as long as it doesn't move you into a higher bracket. Conversely, if you're in a higher bracket then I'd sell the ones with the least gains.
by cheese_breath
Sun May 13, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Texas Medicaid - questions and Legal help
Replies: 12
Views: 817

Re: Texas Medicaid - questions and Legal help

Asking for a friend.... Looking for someone in Houston that specializes in the area of Medicaid in Texas. Would proceeds from selling the house (primary and only residence) affect Medicaid status or possibly getting penalized by required to pay back past medical expenses paid for by Medicaid? Not s...
by cheese_breath
Sun May 13, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Texas Medicaid - questions and Legal help
Replies: 12
Views: 817

Re: Texas Medicaid - questions and Legal help

In Michigan, and it wouldn't surprise me if Texas is similar, be sure to keep the house out of probate. Because then it becomes part of the estate, and when the Medicaid patient passes the state will go after it to repay what it's spend for his/her Medicaid.
by cheese_breath
Sun May 13, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: About to fire advisor, lagging. Comments?
Replies: 17
Views: 1125

Re: About to fire advisor, lagging. Comments?

Their products are highly complex for a reason... To convince you that investing is too complex to do it yourself. After all, how could they justify 0.8% to put you into index funds.
by cheese_breath
Fri May 11, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16045

Re: most compelling TV character ever

Vena Ray (Rocky Jones, Space Ranger)

Most of you have never heard of Vena Ray, but she sure was compelling to a certain teenage boy in full puberty in the 1950s.
by cheese_breath
Tue May 08, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16045

Re: most compelling TV character ever

Ross Poldark (Poldark)

Lone Ranger (The Lone Ranger)
by cheese_breath
Tue May 08, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16045

Re: most compelling TV character ever

Since this is a trip down memory lane I don't feel too badly about going off track for a personal story. As a youngster, one of my favorite westerns was "Have Gun, Will Travel." (Saw an episode of it within the past few days on over-the-air tv). For years, I was puzzled by the main character's name...
by cheese_breath
Mon May 07, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16045

Re: most compelling TV character ever

but dragon wasn’t as central to the show as that horse was... and I didn’t mention Beanie & Cecil either (I think that was early reruns in earlier to mid -60’s) (am I showing my age?) Yes, you're showing how young you are. Reruns in the 60s? That must have been the animated series. I watched the or...
by cheese_breath
Mon May 07, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16045

Re: most compelling TV character ever

Nestegg_User wrote:
Mon May 07, 2018 7:51 pm
... AFA the thread, might as well put in Mr Ed :mrgreen: ...
Well then you might as well put in Oliver J. Dragon from Kukla, Fran and Ollie
by cheese_breath
Mon May 07, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16045

Re: most compelling TV character ever

Monk, Lou Grant, Emma Peel
by cheese_breath
Mon May 07, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5935

Re: When to buy new underwear?

Caduceus wrote:
Mon May 07, 2018 5:40 am
...My partner says underwear has to be changed out every year...
Maybe she just wants you to keep up with the latest styles. :wink:
by cheese_breath
Sun May 06, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Natural Life Expectancy
Replies: 17
Views: 1381

Re: Natural Live Expectancy

How can this question not lead to a religious discussion? The Bible identifies several people living 700, 800, 900 years before the flood. But not everyone believes the Bible.
by cheese_breath
Sun May 06, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7890

Re: What career for smartest kid in the class?

munemaker wrote:
Sun May 06, 2018 7:54 pm
Grt2bOutdoors wrote:
Sun May 06, 2018 3:46 pm
...
Fighter pilot
A fighter pilot with a decade of military flying can earn $90,000. So you are risking your life for that? Wondering why it is on your list?
Maybe he's not doing it for the money.
by cheese_breath
Sun May 06, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7890

Re: What career for smartest kid in the class?

MBA isn't a career. It's a degree that could open the door to multiple different careers.
by cheese_breath
Sat May 05, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 45
Views: 3395

Re: Long term care insurance

... Our current plan is that one of us would take care of the other if needed.... We don't have LTC insurance, and our plan was to die quickly after maybe a few days in the hospital. Didn't work out that way. DW had a massive stroke 13 months ago. I had the foolish notion I'd take her home and care...
by cheese_breath
Sat May 05, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Moving - Move Financial Documents or Send via UPS?
Replies: 7
Views: 664

Re: Moving - Move Financial Documents or Send via UPS?

No answers, but I would share your concerns. I came to TX from MI last month and took mine in a U-Haul with other stuff I was bringing. I was concerned about possible 'less than ethical' movers opening the boxes.
by cheese_breath
Thu May 03, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Technical Questions About Dumping Comcast Internet
Replies: 9
Views: 922

Re: Technical Questions About Dumping Comcast Internet

Currently have Windows/7 and Chromebooks. Had AT&T installed a couple days ago so I’m ready to close my Comcast account. But before I do I want to make sure I don’t overlook anything that might bite me in the transition. I know my Comcast Email will go away and will save any messages I want first. ...
by cheese_breath
Thu May 03, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Technical Questions About Dumping Comcast Internet
Replies: 9
Views: 922

Re: Technical Questions About Dumping Comcast Internet

samsoes wrote:
Thu May 03, 2018 8:25 am
Before you calll, remove any automatic payment information (cc#, checking account, etc.) you may have set-up with The Evil Empire - um I mean Comcast.

Let them send you a final bill.
That is a good one I hadn't thought of.
by cheese_breath
Thu May 03, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Technical Questions About Dumping Comcast Internet
Replies: 9
Views: 922

Technical Questions About Dumping Comcast Internet

Currently have Windows/7 and Chromebooks. Had AT&T installed a couple days ago so I’m ready to close my Comcast account. But before I do I want to make sure I don’t overlook anything that might bite me in the transition. I know my Comcast Email will go away and will save any messages I want first. I...
by cheese_breath
Mon Apr 30, 2018 2:48 am
Forum: Personal Finance (Not Investing)
Topic: Maximum Medical Deduction
Replies: 9
Views: 1154

Re: Maximum Medical Deduction

...Your spouse is fortunate to have a dedicated partner to be there at times when NH staff may be low. There's much we can learn from your experience if you are willing to report back as time passes... Well it’s been over a year now since DW’s stroke (April 6, 2017), and I’m back with a few comment...
by cheese_breath
Tue Apr 10, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Interstate transfer of car title using POA
Replies: 3
Views: 358

Re: Interstate transfer of car title using POA

There might be a 3rd issue... are you abusing your POA by enriching yourself at your mother's expense? Why aren't you selling the car and adding the money to her account?
by cheese_breath
Mon Apr 02, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Right time for a LISA
Replies: 7
Views: 795

Re: Right time for a LISA

I think the time for a Lisa is long gone...

http://www.mac-history.net/apple-histor ... apple-lisa
by cheese_breath
Mon Mar 26, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2419

Re: Any hand written letter services out there that write and mail on your behalf?

If you don't mind putting it in the envelope and adding the stamp why not just type it into something like Word using an appropriate font?

Oops, I forgot. You also need to sign it yourself.
by cheese_breath
Sun Mar 25, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: The Single Greatest Predictor of Future Stock Market Returns
Replies: 40
Views: 10143

Re: The Single Greatest Predictor of Future Stock Market Returns

You want to know the single greatest predictor of future stock market returns?

See my signature.
by cheese_breath
Sun Mar 25, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Should a Power of Attorney be Local?
Replies: 9
Views: 391

Re: Should a Power of Attorney be Local?

This is a question to ask the lawyer when you see him or her.
by cheese_breath
Sun Mar 25, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Reporting Interest on Schedule B
Replies: 14
Views: 850

Re: Reporting Interest on Schedule B

I report the total from the 1099 INT.
by cheese_breath
Sun Mar 25, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Vehicle liability issue
Replies: 5
Views: 526

Re: Vehicle liability issue

MrMojoRisin wrote:
Sun Mar 25, 2018 10:08 am
...Mom signed the title over and handed it to my brother, no one is listed on the title as buyer....
Mom still owns the car until the title is registered in someone else's name. The fact that it's in your brother's possession with her permission doesn't change her liabilities.
by cheese_breath
Thu Mar 22, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Hire CPA or do my own Tax
Replies: 7
Views: 482

Re: Hire CPA or do my own Tax

You should file both AZ and MD tax returns. AZ for what you earned in AZ, and MD for what you earned in MD. TurboTax can handle it. You just need to add two state returns to the federal program.
by cheese_breath
Thu Mar 22, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Fuel additives
Replies: 21
Views: 1382

Re: Fuel additives

Waste of money.
by cheese_breath
Thu Mar 22, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Power of attorney for a particular asset that supersedes power of attorney listed in will
Replies: 86
Views: 3811

Re: Power of attorney for a particular asset that supersedes power of attorney listed in will

I wasn't aware that you could have a power of attorney in your will. I thought all POAs ended with your death.

In any event, whether you can or can't I see no reason why you should change your POA (do you mean executor???) simply because Ameriprise wants you to.
by cheese_breath
Tue Mar 20, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Ways to Reset the Capital Gains Exclusion on Primary Residence
Replies: 12
Views: 770

Re: Ways to Reset the Capital Gains Exclusion on Primary Residence

If you live in your home and don't sell you have no capital gains to contend with. If you sell, but have lived in your home for 2 of the last 5 years then a married couple can exclude $500K of capital gains. What problem are you trying to solve? I'm missing something in your post. :?: The OP alread...
by cheese_breath
Fri Mar 16, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: How does everyone here earn so much?
Replies: 131
Views: 7282

Re: How does everyone here earn so much?

Maybe the high earners boast more about it than us others. There are many of us with 'normal' incomes but decent size investment portfolios because we've resisted the 'get rich quick' temptations.
by cheese_breath
Fri Mar 16, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Check, deceased payee
Replies: 15
Views: 1521

Re: Check, deceased payee

Were either you or sister on a joint bank account with your mother? DW was on her deceased mother's account, and the bank recommended we keep deceased MIL's name on the account for that very reason. And sure enough, some checks made out to MIL came later and we were able to deposit them into the joi...
by cheese_breath
Mon Mar 12, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Please post your completed 8606 for backdoor roth for 2017
Replies: 10
Views: 1533

Re: Please post your completed 8606 for backdoor roth for 2017

This isn't going to do me any good unless you include your name, address and SS#.