Search found 6695 matches

by cheese_breath
Wed Dec 07, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Linking bank accounts through a third party
Replies: 4
Views: 372

Re: Linking bank accounts through a third party

smalltown wrote:I would not give banking passwords to other institutions....

+1
IMO it's not worth the risk for the minor convenience it would provide.
by cheese_breath
Tue Dec 06, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: Should traders only BUY regardless of their TA ?
Replies: 9
Views: 646

Re: Should traders only BUY regardless of their TA ?

With respect, traders should stop trading and invest in broad based diversified index funds instead.
by cheese_breath
Tue Dec 06, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 16
Views: 1383

Re: Advice for Processing a Will

Here’s an update on MIL’s estate since my original post in July plus an outstanding question. Update: The entire estate consisted of a non-qualified annuity with designated beneficiaries, one IRA (not two as I originally thought) with a designated beneficiary, a checking account where DW had joint o...
by cheese_breath
Sat Dec 03, 2016 10:40 pm
Forum: Personal Consumer Issues
Topic: Cleaning Tile Grout?
Replies: 8
Views: 1074

Re: Cleaning Tile Grout?

RE-BATH Tub and Shower Cleaner with a toothbrush worked for me. Rinse with water when done because it makes the tile slippery otherwise.
by cheese_breath
Sun Nov 27, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Take the money or hold out?
Replies: 18
Views: 2221

Re: Take the money or hold out?

How long are you willing to hold out?
by cheese_breath
Thu Nov 24, 2016 4:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember
Replies: 12
Views: 2067

Re: A Thanksgiving to Remember

Lions 16, Vikings 13. A very happy Thanksgiving. :happy
by cheese_breath
Thu Nov 24, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Cashing a vanguard prime money market fund check
Replies: 9
Views: 951

Re: Cashing a vanguard prime money market fund check

... As far as not granting a checking account, maybe one could open a savings account as there is not a chance of bouncing checks.... Or possibly a credit union account. You might pay a $5.00 membership fee, but that might be less than the bank fees when you withdraw everything after the check clea...
by cheese_breath
Wed Nov 23, 2016 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing a vanguard prime money market fund check
Replies: 9
Views: 951

Re: Cashing a vanguard prime money market fund check

livesoft wrote:Some folks don't have bank accounts. What would one do in that case?

Open a bank account?
by cheese_breath
Wed Nov 23, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 2845

Re: Living near a Quarry

In response to your quarry query, I can't think of any upsides to it.
by cheese_breath
Wed Nov 23, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to park 43k
Replies: 7
Views: 897

Re: Best place to park 43k

Many of the online banks such as Ally will pay you about 1% on your 43K. It's not a lot, but it's better than your checking account pays.
by cheese_breath
Sat Nov 19, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for Widow, Tax Efficiency
Replies: 6
Views: 535

Re: Portfolio Help for Widow, Reducing Income

When you say reduce income don't you really mean shift it to tax free income? You could easily reduce your interest income by closing out the CDs and Ally account and putting the proceeds into a low interest money market. But you're also using that income for living expenses. I don't have a good ans...
by cheese_breath
Sat Nov 19, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 3 Percent [457 plan]
Replies: 10
Views: 809

Re: GUARANTEED 3 PERCENT

Who knows? Who can predict the future? I get a guaranteed 3% in a TIAA traditional annuity [that I am not locked into]. Over the long time, bonds have paid more than 3%, so I think I have lost money. You didn't lose anything. You just earned less. :P But in return you also reduce the risk. :happy
by cheese_breath
Sat Nov 19, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 3 Percent [457 plan]
Replies: 10
Views: 809

Re: GUARANTEED 3 PERCENT

Assuming there is a solid company standing behind the guarantee I'd do it. In fact I do in my TIAA IRA.
by cheese_breath
Sat Nov 19, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: IRS quarterly estimated tax payments
Replies: 19
Views: 1718

Re: IRS quarterly estimated tax payments

Are you in a 100% tax bracket? Let's say your loss is $3000. This will reduce your taxable income by $3000, but how much it reduces your tax depends on your tax bracket. For example, if you're in the 15% bracket a $3000 loss would reduce your tax by $450 (3000 x 15%). In this example you can reduce ...
by cheese_breath
Thu Nov 17, 2016 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8025

Re: Cannot get myself to spend my savings

When we're 6 feet under and pushing up daisies I doubt any of us will regret the money we didn't spend.
by cheese_breath
Thu Nov 17, 2016 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8025

Re: Cannot get myself to spend my savings

I'm retired, 61 years old and in excellent health, with longevity on both sides of my family. But every once in a while, I find myself thinking a little too much about my monthly budget numbers. I then force myself to consider the week's obituary pages, where at least half of the unfortunates are y...
by cheese_breath
Thu Nov 17, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8025

Re: Cannot get myself to spend my savings

It sounds like you need a 'spending advisor'. I nominate my wife. :D
by cheese_breath
Wed Nov 16, 2016 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5910

Re: Early retire considering Self-Insurance for healthcare

With over $7 million what's a 'measly' 23K to you? OTOH if you were to self-insure and experienced and accident or illness that run into 100s of K in medical expenses, I would think that might be a little more significant.
by cheese_breath
Wed Nov 16, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8025

Re: Cannot get myself to spend my savings

Do whatever you want so long as you can afford it.

Don't do what you don't want even if you can afford it.

There's no rule saying you have to spend everything just to get rid of it.
by cheese_breath
Wed Nov 16, 2016 9:21 am
Forum: Investing - Theory, News & General
Topic: "Comedians' best lines of financial wisdom"
Replies: 20
Views: 3492

Re: "Comedians' best lines of financial wisdom"

"Money honey, if you want to get along with me." From the 1950's version of the song (not the Lady Gaga lyrics) written by Jesse Stone (not the Tom Selleck character) You need to read the first stanza to understand how this applies to financial wisdom... http://www.azlyrics.com/lyrics/elvi...
by cheese_breath
Tue Nov 15, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurace
Replies: 12
Views: 1918

Re: Health Insurace

Thank you HInvestor. While the premiums are costly we have never had to pay for doctor visits (personal physician or specialists). We both have had numerous xrays and tests plus treatments and have never had to pay out of our pocket. I guess this helps justify the high cost premiums. However, I may...
by cheese_breath
Mon Nov 14, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: For ease of TLH, divide taxable & tax-advantaged between Fidelity and Vanguard?
Replies: 19
Views: 1144

Re: For ease of TLH, divide taxable & tax-advantaged between Fidelity and Vanguard?

I'll respond to Earl, only because newbie viewers may be reading. :wink: Folks, S&P500 Index funds held at different brokers are substantially identical. Wash sale rules apply. The IRS may never audit you and that's what you should hope for if you want to play fast and loose with the wash sale ...
by cheese_breath
Mon Nov 14, 2016 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 1707

Re: Should I change the job?

.... During the year review with my manager he told me that if I get a better rating then someone else should get a low one. Sounded very weird thou. I thought he wanted me to feel bad that my rating could hurt another colleague.... That makes about as much sense as this... (BTW, this isn't your bo...
by cheese_breath
Mon Nov 14, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 1707

Re: Should I change the job?

... At the end of the day , I always recommend finding a job where you are happy .... .... At the end of the day , it gets competitive if you're in a high performing group... Do you both mean "in the evening, when the sun goes down?" I suspect the time of day wouldn't make a difference. I...
by cheese_breath
Mon Nov 14, 2016 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: For ease of TLH, divide taxable & tax-advantaged between Fidelity and Vanguard?
Replies: 19
Views: 1144

Re: For ease of TLH, divide taxable & tax-advantaged between Fidelity and Vanguard?

It doesn't matter which brokerage firm holds your securities. For example, a S&P 500 index fund at Fidelity is the substantially the same (or maybe exactly the same) as a S&P 500 index at Vanguard. That is your opinion. There has never been any ruling from the IRS that this is the case. I c...
by cheese_breath
Mon Nov 14, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: Asset allocation and possible job loss
Replies: 17
Views: 1232

Re: Asset allocation and possible job loss

If you are really thinking of calling it quits if you're let go, then in IMO adjusting your AA would be appropriate. But don't you have an emergency fund that would cover 6 months or so unemployment? That would provide some cushion while you adjust the AA instead of doing it now when the future is s...
by cheese_breath
Mon Nov 14, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 1707

Re: Should I change the job?

You don't have to make the decision today. Check out the job market to get an idea of your options with other potential employers first.
by cheese_breath
Mon Nov 14, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union HSA
Replies: 4
Views: 480

Re: Lake Michigan Credit Union HSA

On a separate note, LMCU max checking is fantastic for cash/emergency fund. 3% up to $15k per person - you can do one each for you and your spouse. It requires direct deposit and minimum monthly debit/online uses but that's been an easy $900/year for us. ~Big Dutch The direct deposit doesn't have t...
by cheese_breath
Sun Nov 13, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: For ease of TLH, divide taxable & tax-advantaged between Fidelity and Vanguard?
Replies: 19
Views: 1144

Re: For ease of TLH, divide taxable & tax-advantaged between Fidelity and Vanguard?

For what it's worth, I'm skeptical the IRS would consider Fidelity's Total Stock Market fund much different than Vanguard's Total Stock Market fund. I don't know that, of course, but I'd hate to be sitting at the table with the IRS agent when he puts the performance graphs on top of each other, and...
by cheese_breath
Sun Nov 13, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 3262

Re: CVS Caremark sends unauthorized prescriptions

Asking for 1/3 of the money back probably won't work unless you give back 1/3 of the product AND the price per dose is the same, whether you order 30, 60, or 90 days worth. I doubt giving back 1/3 of the product is an option. I have been told by a pharmacist that returning a prescription is against...
by cheese_breath
Sun Nov 13, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 3262

Re: CVS Caremark sends unauthorized prescriptions

Maybe you should switch pharmacies. I think my pharmacists care. I use CVS and I can't remember when there have been more than two people ahead of me. Most new prescriptions and refills are called in ahead of time by phone. But if by rare chance I do have a paper script they take care of it immedia...
by cheese_breath
Sun Nov 13, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: Confused about Winter Tire Road Hazard Warranty
Replies: 9
Views: 713

Re: Confused about Winter Tire Road Hazard Warranty

SimonJester wrote:Also I dont think I have ever has a tire re-balanced unless it lost one of the weights

Agree, but don't you have them check the balance when the rotate the tires as a precaution?
by cheese_breath
Sun Nov 13, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Confused about Winter Tire Road Hazard Warranty
Replies: 9
Views: 713

Re: Confused about Winter Tire Road Hazard Warranty

Tire rotation is simply taking the wheels off and putting them back on in different places. How would they know? Why would you need to rebalance your tires? If you did for some reason, again, how would they know? Presumably OP would keep the receipts from the places that did it, and could show them...
by cheese_breath
Sun Nov 13, 2016 3:17 pm
Forum: Personal Consumer Issues
Topic: Holiday Shopping List & Deals
Replies: 4
Views: 521

Re: Holiday Shopping List & Deals

Nope. I already have about everything I want. That really bugs DW at Christmas and birthday time. She always asks what she should get me, and I never can think of anything. We end up agreeing if see something I want later that will be my Christmas or birthday present.
by cheese_breath
Sun Nov 13, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 3262

Re: CVS Caremark sends unauthorized prescriptions

this is why you should go to a local pharmacy. I'm a retail pharmacist, and I get to hear people complain everyday about how the mail order joint screwed things up. They eventually come to the store to get what they actually need, and they end up losing money in the end. Do you really think the guy...
by cheese_breath
Sat Nov 12, 2016 8:38 am
Forum: Personal Finance (Not Investing)
Topic: 2017 Medicare Premiums and Deductibles
Replies: 6
Views: 996

Re: 2017 Medicare Premiums and Deductibles

In this announcement, it says Because of the low Social Security COLA, a statutory “hold harmless” provision designed to protect seniors, will largely prevent Part B premiums from increasing for about 70 percent of beneficiaries. Among this group, the average 2017 premium will be about $109.00, com...
by cheese_breath
Fri Nov 11, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Equivalent "Do Not Call" List for Wireless?
Replies: 15
Views: 1234

Re: Equivalent "Do Not Call" List for Wireless?

My experience is they're pretty much ignoring the law for land lines now too. It was pretty good for a couple years though.
by cheese_breath
Fri Nov 11, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: A Medicare part D puzzle, finally solved
Replies: 53
Views: 3453

Re: A Medicare part D puzzle, finally solved

2. Generics will be inexpensive and the deductible only applies to brand name drugs. I take a generic that costs me about $1400 a year. My experience is deductible can also apply to generics. At least it does to one of the generics I take It all depends on the plan. Some plans omit deductibles for ...
by cheese_breath
Fri Nov 11, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: Honor our Vets
Replies: 0
Views: 401

Honor our Vets

Today is Veterans Day. Make it a point to speak to some veterans today and thank them for their service to our country and their protection of us all, and the same to those currently on active duty.
by cheese_breath
Thu Nov 10, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on aerobic exercise equip.
Replies: 55
Views: 2332

Re: Looking for recommendations on aerobic exercise equip.

livesoft wrote:...is there a consensus to what constitutes aerobic exercise? Thanks

You'll know it when you feel it. And after you get past the first few minutes of getting the heart going and maybe getting a little sweaty it feels good.
by cheese_breath
Thu Nov 10, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 3262

Re: CVS Caremark sends unauthorized prescriptions

...It shouldn't be this difficult and I never authorized auto refill with CVS.... We use CVS auto refill for DW's medicines in case I forget to refill a script myself. But the success has been spotty so I monitor it closely. When the doctor sends in a script with several refills it works OK. When i...
by cheese_breath
Thu Nov 10, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 3262

Re: CVS Caremark sends unauthorized prescriptions

This is why I prefer to pay a little more and buy my prescriptions locally rather than get them via mail order. True.. this prescription requires a written prescription either for mail-order or from in-pharmacy. I would also prefer the in-pharmacy, but for my prescription plan, CVS only allows 1 mo...
by cheese_breath
Thu Nov 10, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Would a Computer Science certificate benefit my career?
Replies: 29
Views: 1813

Re: Would a Computer Science certificate benefit my career?

…While I'm really happy with the job that I have now, I am thinking it might be time for a career change in 5 years, and I am thinking computer science might be the next step in my journey… …The program is free (paid for by my employer). I haven't done much programming…. Since you haven’t done much...
by cheese_breath
Thu Nov 10, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 3262

Re: CVS Caremark sends unauthorized prescriptions

I think your time is worth more than $70, and I doubt you'd win anyway. Why do you think the price will go back down by the time you use 2 months worth?
by cheese_breath
Thu Nov 10, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Wife's Colleague Scratched our car with his car
Replies: 30
Views: 3806

Re: Wife's Colleague Scratched our car with his car

Everyone knows you have to count down from 10 for it to be legal. :D
by cheese_breath
Thu Nov 10, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations on aerobic exercise equip.
Replies: 55
Views: 2332

Re: Looking for recommendations on aerobic exercise equip.

...I am thinking of a stationary bike or a rowing machine. What do you folks recommend?... Both. Also, I don't think they make these anymore (at least not this brand), but I still have one I bought many, many years ago. It still works. Maybe you could find one on eBay. https://www.youtube.com/watch...
by cheese_breath
Wed Nov 09, 2016 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: End of year '16 tax planning for Trump 2017
Replies: 5
Views: 1922

Re: End of year '16 tax planning for Trump 2017

Not a moderator, but I suspect it's not OK. All we can do now is speculate based on what he said he would do. No way of knowing what will really happen.
by cheese_breath
Wed Nov 09, 2016 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: "No Referral Needed" Medicare speak
Replies: 32
Views: 1605

Re: "No Referral Needed" Medicare speak

Although I'm on medigap I think it's only the HMO MAs that require referrals. And the HMO MAs tend to have the lowest premiums. I believe the reason they are able to keep their premiums lower than PPO MAs is because they restrict access to specialists whenever the PCP is able to treat the problem. I...
by cheese_breath
Wed Nov 09, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: "No Referral Needed" Medicare speak
Replies: 32
Views: 1605

Re: "No Referral Needed" Medicare speak

sport wrote:I have a Medicare Advantage plan and referrals are not required. The only difference between a PCP appointment and a specialist appointment is that the copay is less for the PCP.

I'll bet you have a PPO. HMOs require referrals, but PPOs don't.

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