Search found 6026 matches

by cheese_breath
Wed May 04, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: Buying a house, but sold as is?
Replies: 27
Views: 2162

Re: Buying a house, but sold as is?

Sorry Kosmo that is not how real estate sales really work in my experience. Many times real estate is sold "as is" both commercial and residential. Then the buyers get an inspection and finds issues. |The buyer wants to fix them. He finds a price for the fixes and asks for relief. The sel...
by cheese_breath
Wed May 04, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: How do 401k Contributions Affect Tax Rate?
Replies: 3
Views: 201

Re: How do 401k Contributions Affect Tax Rate?

Assuming your contributions are pre-tax your taxable income will decrease by the amount of the contributions. Why not use TaxCaster to model your taxes at different taxable income levels. But you will pay taxes on the contributions and earnings when you withdraw later, presumably in retirement at wh...
by cheese_breath
Wed May 04, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 69
Views: 1862

Re: Sci-Fi ... your favorite movies and episodes??

The mention of the Borg leads me to suggest a couple more honorable mentions... TV... Returning to the Enterprise Worf ends up in an alternate universe where Riker is captain of the Enterprise because Picard was killed in the Borg war, and Worf is married to Counselor Troi. Movie... Star Trek: FIrst...
by cheese_breath
Wed May 04, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 69
Views: 1862

Re: Sci-Fi ... your favorite movies and episodes??

wolf359 wrote:
midareff wrote:... the Star Trek Enterprise season end and start episodes where Picard becomes a Borg and is saved.


That's Star Trek: The Next Generation, episode "The Best of Both Worlds"

Hmm. Why do I know that? :D

You have been assimilated. :wink:
by cheese_breath
Wed May 04, 2016 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 28
Views: 2315

Re: Almost perfect credit score (FICO from Amex)

Check somewhere else. There's a 40 point difference between my credit union's free FICO score and my Discover free FICO score.
by cheese_breath
Wed May 04, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 69
Views: 1862

Re: Sci-Fi ... your favorite movies and episodes??

Valuethinker wrote:Mike Farrell, the actor who played BJ Honeycut in MASH....

Also the husband of Shelly Fabares (the girl all us teen age boys wished lived next door to us) on the Donna Reed show in the 50s.
by cheese_breath
Tue May 03, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 69
Views: 1862

Re: Sci-Fi ... your favorite movies and episodes??

6miths wrote:
GoldenFinch wrote:
Toons wrote:Movie-Santa Claus Conquers The Martians
:happy


Is this really a movie? :D


Yes voted one of the worst of all time but to each there own. I remember seeing it in the theatre.

So that's high class in Leafs country, eh? :P
by cheese_breath
Tue May 03, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 69
Views: 1862

Re: Sci-Fi ... your favorite movies and episodes??

Movies… Alien Alien Nation Apollo 13 Daybreakers Earth Girls Are Easy Enemy Mine Forbidden Planet I, Robot Jumper Planet of the Apes - 1960s version Predator RoboCop Silent Running Serenity Terminator - all Schwarzenegger versions The Matrix The Time Machine … both versions Tron War of the Worlds -...
by cheese_breath
Tue May 03, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage question for soon to be ex-husband
Replies: 12
Views: 1316

Re: Mortgage question for soon to be ex-husband

You should each go your separate ways financially and otherwise.
by cheese_breath
Tue May 03, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 43
Views: 4741

Re: I cannot stop buying... [Investing/Personal Finance Books]

Now, I like accumulating wealth. I enjoy it. My wife gets what she wants, and we go on vacations. My portion of our money goes into investing. I figure that when I die, she can spend it all. I can't wait to see what my "high score" will be! I'm glad you posted that because I feel the same...
by cheese_breath
Tue May 03, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

Time to reminisce some more. First wife and I saw 2001 at the Summit Theater in Detroit a few weeks after it opened. The Summit was one of two cinerama theaters in the city. Luxurious setting with a huge curved screen and over 1,000 seats. Going to the Summit was an event, and we dressed in our best...
by cheese_breath
Tue May 03, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

... which is not to say there were not a lot of really good sci-fi movies prior to 2001, but even the best of them were geared and marketed to teenage boys- example, Forbidden Planet with "Robby the Robot"... Robby became quite a celebrity and appeared on a number of different TV shows af...
by cheese_breath
Mon May 02, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

... which is not to say there were not a lot of really good sci-fi movies prior to 2001, but even the best of them were geared and marketed to teenage boys- example, Forbidden Planet with "Robby the Robot"... Robby became quite a celebrity and appeared on a number of different TV shows af...
by cheese_breath
Mon May 02, 2016 11:11 pm
Forum: Personal Consumer Issues
Topic: Buying a house, but sold as is?
Replies: 27
Views: 2162

Re: Buying a house, but sold as is?

I wouldn't consider buying any used house unless the seller supplies a disclosure statement disclosing all the known defects. And I wouldn't buy it without having an inspection performed. Once you have these in hand you can decide whether you want to buy it or negotiate with the seller to repair som...
by cheese_breath
Mon May 02, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

Actually it was Anne Francis, but I do appreciate your comments and analysis. And the idea of HAL constantly monitoring the astronauts, sometimes even showing the view through his perspective gives one the creeps. Yep. But hey, Ann Francis, Ann-Margaret, what's the diff? (hoping you are laughing......
by cheese_breath
Mon May 02, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

For my generation, growing up in a time when space travel was just a fantasy to being just a year away from putting a man on the moon, a movie such as 2001 was wonderful. It combined our optimism for future advances in space with 'what if' type worries over a computer takeover. And the story didn't...
by cheese_breath
Mon May 02, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: How Much Does Medicare Pay For DME Supply Drugs
Replies: 6
Views: 459

Re: How Much Does Medicare Pay For DME Supply Drugs

Good news. The claim just appeared on MyMedicare. Medicare approved the whole thing and applied it to DW's deductible. Even though the pharmacy made me pay up front I should be able to get it reimbursed after her Medigap plan pays their share.
by cheese_breath
Mon May 02, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 43
Views: 4741

Re: I cannot stop buying... [Investing/Personal Finance Books]

Investing/Personal Finance Books Am I the only one? Oh I found my twin. My wife has warned me several times not to buy anymore. The best is I have over a dozen I haven't read. I also went beyond and became a collector of books with John Bogle, Charlie Munger and Warren Buffett's autograph on ebay. ...
by cheese_breath
Mon May 02, 2016 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Potential Employer was excited to hire me! Then silence... What did I do?
Replies: 59
Views: 5268

Re: Potential Employer was excited to hire me! Then silence... What did I do?

Since they're both in the same district is it possible there may some belt tightening going on in the district, and the positions either have been eliminated or hiring put on hold for awhile?
by cheese_breath
Sun May 01, 2016 11:44 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

As for 2001: ASO, I totally understand the reasons you gave for why you liked it then . The problem for me is that so much of the movie was basically "Hey, look at these cool special effects! Aren't they cool! We're going to show scenes of the space station rotating for the next 10 minutes, an...
by cheese_breath
Sun May 01, 2016 9:41 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 83
Views: 6723

Re: Selling in May and Walking Away?

Last night on PBS, Bob Pisani showed that selling in May actually makes sense. Most money really has been made between November and April. At the same time, it is not recommended for most investors. And who knows if it will hold true in the future? No one. So the most money is made between November...
by cheese_breath
Sun May 01, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

Grogs wrote:
cheese_breath wrote:...

... it's easy to ignore the cheesy effects....

You're accusing cheese_breath of liking cheesy effects? :D :D :D
by cheese_breath
Sun May 01, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is this possible? [Reinvesting retirement account withdrawal funds]
Replies: 16
Views: 1143

Re: Is this possible?

Thank you all. For a moment I thought I was going to save big dollars :) For a moment you were trying to not pay your fair share. I don't think that's a fair statement. OP was asking if his idea was a valid tax strategy. Aren't we all interested in minimizing our taxes by using whatever 'breaks' th...
by cheese_breath
Sun May 01, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is this possible? [Reinvesting retirement account withdrawal funds]
Replies: 16
Views: 1143

Re: Is this possible?

Thanks for your response. So does that mean tax free muni bonds are taxable in 401k but not in other accounts. In which accounts are they tax free? This may sound twisted, but they're tax free in taxable accounts. :happy Actually it's not that the muni bonds themselves are taxable in a 401K, 403B, ...
by cheese_breath
Sun May 01, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Investing in Africa
Replies: 11
Views: 732

Re: Investing in Africa

I am thinking about doing direct investing in Africa thru an account over there. Does anyone have any experience with investing directly in another country? Is it safe? I'm thinking the upside could be worth it. ... The internet has arrived, as our inboxes all show ;-).... So maybe partnering with ...
by cheese_breath
Sun May 01, 2016 8:28 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting: in rare occasions for the boglehead?
Replies: 17
Views: 1551

Re: Tax loss harvesting: in rare occasions for the boglehead?

I am not discussing the merit of TLH, just its place in a Boglehad's approach to investing..... I cannot shake the feeling that there is somehting "un-boglehead" in that strategy and that this "similar but not exactly the same" has some potential cost. I would prefer for my inve...
by cheese_breath
Sat Apr 30, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Africa
Replies: 11
Views: 732

Re: Investing in Africa

Meerkat pet farm? :D
by cheese_breath
Sat Apr 30, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1349

Re: anyone wiht experience with car with frontal collision alert?

Get a wife. She'll alert you to everything whether you need it or not. :wink:
by cheese_breath
Sat Apr 30, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 43
Views: 4741

Re: I cannot stop buying...

Are they helping any? I learned about index funds in Investing for Dummies and that's serving me OK.
by cheese_breath
Sat Apr 30, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 83
Views: 6723

Re: Selling in May and Walking Away?

Last night on PBS, Bob Pisani showed that selling in May actually makes sense. Most money really has been made between November and April. At the same time, it is not recommended for most investors. And who knows if it will hold true in the future? No one. So the most money is made between November...
by cheese_breath
Sat Apr 30, 2016 7:01 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting: in rare occasions for the boglehead?
Replies: 17
Views: 1551

Re: Tax loss harvesting: in rare occasions for the boglehead?

<snip> Then you hope you either hold that asset until your death or use it for a future charitable donation. But it's nice to put up against $3K of earned income each year ( basically paying capital gains rates in the future on what you get to deduct at your marginal rate today ) even if you do hav...
by cheese_breath
Fri Apr 29, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 47
Views: 2793

Re: Investment Fee's [too high?]

Hi Everyone. Was wondering...Is 1% fee to my advisor and 2% to the actively managed fund he hooked me up with too much to pay on a annual basis? $405K is what I rolled over from my employment 401K when I retired last July. Yes. It's about 20X too high! :oops: IMO, high cost investing is madness! Ar...
by cheese_breath
Fri Apr 29, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 90
Views: 4205

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Nothing stronger than Pepsi..
by cheese_breath
Fri Apr 29, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding cost basis methods
Replies: 7
Views: 394

Re: Question regarding cost basis methods

I am somewhat of a novice Boglehead. I have a question regarding cost basis methods. Up until this point, I have used the Average Cost Method. I have read about Average cost, First In First Out, and Specific Identification on the Vanguard website. I know that if you are tax loss harvesting, probabl...
by cheese_breath
Fri Apr 29, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: Why does the market have alarms?
Replies: 4
Views: 488

Re: Why does the market have alarms?

To prevent another 1987 Black Monday.
by cheese_breath
Fri Apr 29, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 48
Views: 2349

Re: Off to Australia - need advice

[...] Even in the most embellished stories told by Australians, there is always a core of truth that it is unwise to ignore. [...] They think "Woolloomooloo" is a perfectly reasonable name for a place,that "Wagga Wagga" can be abbreviated to "Wagga", but "Woy Woy&...
by cheese_breath
Fri Apr 29, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Stem Cell Donation
Replies: 4
Views: 442

Re: Stem Cell Donation

Hi all - I've recently been notified that I'm the best match for a patient for a Peripheral Blood Stem Cell donation. In fact, I'm lining up dates with the donation center in parallel to this thread. I wanted to understand 2 components: 1. Given the procedure, would I be able to utilize Short Term ...
by cheese_breath
Fri Apr 29, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: The 1 website you'd recommend
Replies: 27
Views: 3736

Re: The 1 website you'd recommend

Google. You can find anything you need from Google.
by cheese_breath
Fri Apr 29, 2016 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Required Minimum Distributions - Advice
Replies: 3
Views: 408

Re: Required Minimum Distributions - Advice

I suggest putting the whole taxable in Vanguard TSM. Whether admiral or investor shares depends on how much you invest. Reallign to 401K to increase the bonds there and thereby maintain the same overall equity - bonds balance as you had before.
by cheese_breath
Fri Apr 29, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 48
Views: 2349

Re: Off to Australia - need advice

TRUTH about S'tralia The following is by Douglas Adams of "Hitchhiker's Guide to the Galaxy" fame. "Australia is a very confusing place, taking up a large amount of the bottom half of the planet. It is recognizable from orbit because of many unusual features, including what at first l...
by cheese_breath
Fri Apr 29, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

The main innovation that I don't remember (not even in William Gibson's Neuromance of 1984) is the mobile phone. The original Star Trek had communicators. But we've already gone past them by now. In the 23rd century, they're still using those crummy flip phones? :shock: What they needed to do was t...
by cheese_breath
Thu Apr 28, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 83
Views: 6723

Re: Selling in May and Walking Away?

Is there any data based analysis that supports this strategy? Data says to stay in, based on results over very long-term periods. Analytically, this "strategy" makes little sense. Emotionally/non-logically, though, to me it seems like things are setting up for a volatile six months. I am ...
by cheese_breath
Thu Apr 28, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvested Dividends? - I think I'm missing something
Replies: 4
Views: 395

Re: Reinvested Dividends? - I think I'm missing something

My guess is when you sold the old funds the proceeds sat in a money market fund for a couple days before you bought the new funds. This would be the interest earned while in the money market fund.
by cheese_breath
Thu Apr 28, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: A/C outside unit suggestions
Replies: 9
Views: 774

Re: A/C outside unit suggestions

We had a Lennox for over 20 years, and it was still doing the job when we replaced it with a more efficient two stage Carrier a few years ago. The Carrier is doing a good job of doing the job too.
by cheese_breath
Wed Apr 27, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

Valuethinker wrote:... The studio execs thought the "launch window" (that Walter Koenig aka Ensign Chekov was using) was like a window on the ship that slid open ;-)....

DId the window have wipers in case the Arc ran into a solar storm? :D
by cheese_breath
Wed Apr 27, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Auto Hail Damage Claim
Replies: 4
Views: 443

Re: Auto Hail Damage Claim

I don't know about Geico, but sometimes the insurance companies and repair shops will talk to each other and come to a number they're both happy with. DW was run off the road several years ago, and the insurance estimator overlooked some damage when preparing his estimate. The repair shop worked it ...
by cheese_breath
Wed Apr 27, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 48
Views: 2349

Re: Off to Australia - need advice

silentfaith wrote:skip australia and go to tasmainia , rent a motor home and enjoy the sites.

Technically Tasmania is Australia. It's a state just like Victoria. NSW, SA, etc.
by cheese_breath
Wed Apr 27, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

Thinking about the disappointing Starlost series got me thinking about what was my favorite sci-fi TV series. And the one that immediately came to mind was Firefly , sent to a premature death by Fox executives. But at least the full length Serenity movie gave us one last taste of the quality before ...
by cheese_breath
Wed Apr 27, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 48
Views: 2349

Re: Off to Australia - need advice

I made over 20 trips to Oz in a little more than 3 years. I much prefer Brisbane to Sydney - Sydney is a great, world class city but it is first and foremost a big city. Brisbane is much smaller and livable. There are free public swimming lagoons on the South Bank. A short walk to Kangaroo Point th...

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