Search found 6347 matches

by cheese_breath
Mon Aug 22, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Please, please advise...Health insurance terminated by insurance company
Replies: 40
Views: 2281

Re: Please, please advise...Health insurance terminated by insurance company

How did you not realize that $750/ month wasn't coming out of your account? :confused That is NOT a trivial sum. Well, the credit card itself was on auto pay from my checking account. The cc bill varies each month from 2500-3500, so it went unnoticed. I did not obsessively check each item.... IMO '...
by cheese_breath
Mon Aug 22, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Please, please advise...Health insurance terminated by insurance company
Replies: 40
Views: 2281

Re: Please, please advise...Health insurance terminated by insurance company

How did you not realize that $750/ month wasn't coming out of your account? :confused That is NOT a trivial sum. Well, the credit card itself was on auto pay from my checking account. The cc bill varies each month from 2500-3500, so it went unnoticed. I did not obsessively check each item.... IMO '...
by cheese_breath
Sun Aug 21, 2016 10:47 pm
Forum: Personal Consumer Issues
Topic: Best/safest/easiest way to send sensitive files to another person over the internet?
Replies: 39
Views: 2198

Re: Best/safest way to send sensitive files to another person over the internet?

Epsilon Delta wrote:.... [*]Copy the original file to a floppy, drive to the airport, fly to the recipients city and deliver it in person.[/list]

Stay home and let the recipient come to you to get it.
by cheese_breath
Thu Aug 18, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: TaxCaster Interface
Replies: 18
Views: 720

TaxCaster Interface

Has anyone seen TaxCaster's new user interface, and what do you think?

https://turbotax.intuit.com/tax-tools/c ... taxcaster/

I liked the old way better.
by cheese_breath
Tue Aug 16, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Medicare Part D
Replies: 17
Views: 1013

Re: Medicare Part D

Drug tiers and copays. And it's possible some of your medications might not be covered by some plans. It that case you pay the total cost for them.
by cheese_breath
Sun Aug 14, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 847

Re: Blue Cross Legacy Plan C Medigap

SpringMan wrote:... My understanding is we can switch plans during open enrollment without medical underwriting.....

Do you have a reference for this? To my knowledge they're not dropping the plan; just raising the premium.
by cheese_breath
Thu Aug 11, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest through parents?
Replies: 3
Views: 393

Re: Should I invest through parents?

Dockpp wrote:... we can inherit the account when she passes...

Assuming she doesn't disinherit you.
by cheese_breath
Thu Aug 11, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4007

Re: Request for recommendations: English Mystery TV series

It was only 3 episodes but the Masterpiece 1998 Heat of the Sun was a classic IMO.

https://www.amazon.com/Masterpiece-Heat ... B00E6731ZY
by cheese_breath
Fri Jul 22, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1767

Re: Person Died, RMD Not Paid

Yes, as MarkNYC said. The custodian has to distribute the RMD first (sometimes these RMDs are setup to be drawn automatically (e.g. first week of December) so you may check whether this is going to be done this year anyway) and only then will they go through whatever internal processes and intermed...
by cheese_breath
Fri Jul 22, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1767

Re: Person Died, RMD Not Paid

The previous two posts are probably confusing the RMD required for the beneficiary of the inherited IRA and the RMD required for the original owner after they reach age 70.5. I assumed that it was the owner's RMD that was not taken, but must be taken. YES!!! That's what I've been trying to say. Whe...
by cheese_breath
Fri Jul 22, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1767

Re: Person Died, RMD Not Paid

Related question... The total of both IRAs is under 10K, and DW is considering just cashing them in (she's above 59 1/2) and using the money for some new furniture. If she instructed the bank to cash them out and give her the money, would that satisfy the RMD? Or would a safer approach be to convert...
by cheese_breath
Fri Jul 22, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1072

Re: Advice for Processing a Will

My personal experience, not in Michigan, has led me to some observations. Are you the type of person who does their own taxes and handles their own financial paperwork? If the answer is no, then you might need a lawyer to handle much of the process and a flat fee could be appropriate. On the other ...
by cheese_breath
Fri Jul 22, 2016 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1072

Re: Advice for Processing a Will

My personal experience, not in Michigan, has led me to some observations. Are you the type of person who does their own taxes and handles their own financial paperwork? If the answer is no, then you might need a lawyer to handle much of the process and a flat fee could be appropriate. On the other ...
by cheese_breath
Fri Jul 22, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1767

Re: Person Died, RMD Not Paid

Why are the IRAs in the estate at all? Presumably, they passed to the beneficiaries without even getting into the estate. I used the term 'estate' in a broad generalized sense to encompass all the assets. They're not subject to probate and do get passed on as you describe. But my question remains. ...
by cheese_breath
Fri Jul 22, 2016 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Person Died, RMD Not Paid
Replies: 17
Views: 1767

Person Died, RMD Not Paid

As a slight tangent off my post on processing a will ( https://www.bogleheads.org/forum/viewtopic.php?f=2&t=195625 ) we just learned that DW is the sole beneficiary on MIL's IRAs, but the RMDs haven't been paid yet. Can we instruct the bank to pay the RMDs while the IRAs are still in MIL's estat...
by cheese_breath
Tue Jul 19, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7614

Re: Why did the car salesman stop replying to my emails

Send them an Email and ask them. :happy
by cheese_breath
Tue Jul 19, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1072

Re: Advice for Processing a Will

Earl Lemongrab wrote:How small of an estate? Most states have a small-estate level where the process is much less complicated and set up for DIY.

Earl

It's pretty small. From what I can tell it look likes the MI breakpoint is only 15K, and it might be bigger than that.
by cheese_breath
Tue Jul 19, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1072

Re: Advice for Processing a Will

mouses wrote:Does she have a trust?

Nope. I wish. :D
by cheese_breath
Mon Jul 18, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1072

Advice for Processing a Will

MIL died last week and named DW and me a co-executors in her will. I’ve been scouring the Internet for information on processing wills, and my mind is a blur. I think I have a decent idea of what needs to be done, but zero clue on how to do it (i.e. wading through government bureaucratic processes)....
by cheese_breath
Sun Jul 03, 2016 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3454

Re: Ever Feel Unworthy of Growing income?

Ged wrote:If it really starts bothering you PM me and I'll provide an account you can transfer it to.

How do you know he won't transfer from it rather than to it?
by cheese_breath
Sun Jul 03, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3454

Re: Ever Feel Unworthy of Growing income?

Yes I felt unworthy of some sizeable raises, but I managed to reconcile myself to it within a few days.
by cheese_breath
Fri Jul 01, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: VCR / DVD Player Suggestion for older television
Replies: 9
Views: 840

Re: VCR / DVD Player Suggestion for older television

Try Walmart if you're willing to pay a premium price for a refurbished one. I picked up a refurbished Funai DVD Recorder / VCR from them for $99 a few weeks ago, and so far so good.
by cheese_breath
Tue Jun 28, 2016 10:50 pm
Forum: Investing - Theory, News & General
Topic: Is options trading ever a good idea for retirees?
Replies: 16
Views: 1157

Re: Is options trading ever a good idea for retirees?

happyisland wrote:... is there any way they're not being taken to the cleaner by RJ?

It's Raymond James. What do you think?
by cheese_breath
Tue Jun 28, 2016 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a friend's student loans?
Replies: 21
Views: 2369

Re: Buying a friend's student loans?

It's a great deal for your friend. He stands to make an easy $50K.
by cheese_breath
Tue Jun 28, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Would you want to know if your doctor doesn't take your insurance?
Replies: 59
Views: 2951

Re: Would you want to know if your doctor doesn't take your insurance?

The hospital cannot just go out and "find" someone who takes insurance since the majority of those in my specialty don't take any insurance. It doesn't exist. There are no Medicare or insurance providers in my specialty because Medicare does not pay for 95% of what we do. Same for commerc...
by cheese_breath
Mon Jun 27, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Would you want to know if your doctor doesn't take your insurance?
Replies: 59
Views: 2951

Re: Would you want to know if your doctor doesn't take your insurance?

I suppose if I had a [nonspecific billionaire --moderator triceratop] 's bankroll I might not care. But personally I don't want to run the risk of having to liquidate half my portfolio to pay physicians out of pocket when others would accept my insurance instead. I'm having a problem understanding w...
by cheese_breath
Mon Jun 27, 2016 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Temp move 401k?
Replies: 4
Views: 323

Re: Temp move 401k?

I know everyone says don't touch your 401k - I'm in a Lifecycle - but can't I just "park" it in a bond or money market for a couple days and then move it back? Yes, you can but you probably shouldn't. I can't think of any reason to take money out of a Lifecycle fund and park it in bonds/m...
by cheese_breath
Sun Jun 26, 2016 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Temp move 401k?
Replies: 4
Views: 323

Re: Temp move 401k?

When people say "don't touch your 401K" they mean don't take your money out before it's needed in retirement. You can move your money between funds within your 401K, subject to any frequent trading restrictions. Whether you should do what you're thinking of is a different question.
by cheese_breath
Fri Jun 24, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: Boy, did someone at Fido ever jump the gun
Replies: 13
Views: 2729

Re: Boy, did someone at Fido ever jump the gun

Call_Me_Op wrote:
cheese_breath wrote:Maybe it's an unintended crossover form a parallel universe where Brexit was voted down.


Maybe I can buy in this universe, then cross-over and sell in that one?

As long as they don't pay you in anti-money.
by cheese_breath
Fri Jun 24, 2016 7:32 am
Forum: Investing - Theory, News & General
Topic: Boy, did someone at Fido ever jump the gun
Replies: 13
Views: 2729

Re: Boy, did someone at Fido ever jump the gun

Maybe it's an unintended crossover form a parallel universe where Brexit was voted down.
by cheese_breath
Thu Jun 23, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees >65 y/o: How much do you spend on health insurance?
Replies: 17
Views: 2254

Re: Retirees >65 y/o: How much do you spend on health insurance?

2016 Insurance premiums... ... $104.90 / month .... Medicare Part B (me) ... $104.90 / month .... Medicare Part B (DW) ... $121.22 / month .... BCBS MI Medigap (me) (*****) ... $121.22 / month .... BCBS MI Medigap (DW) (*****) ... $21.10 / month ... Medicare Part D (me) ... $69.10 / month ... Medica...
by cheese_breath
Thu Jun 23, 2016 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5830

Re: Should I express my inheritence thoughts to my father?

I do want to be clear that in no case would I be trying to ask for a greater share. That wouldn't be right of him as well as against my principles. Then what exactly do you want? Maybe a note in his will chastising your siblings for their lavish lifestyles and praising you for your more moderate on...
by cheese_breath
Thu Jun 23, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 582

Re: BJRConsultancy [user allowed remote access to PC]

Do you do full system backups regularly? If so restore your last backup prior to the incursion.
by cheese_breath
Thu Jun 23, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2521

Re: Replacing rotten stud in wall

How much do you save by doing a half ***ed job? Don't know where you live but offhand the price does not seem out of line. I expect sister ing the studs would be structurally fine. But I'd be concerned about residual mold. I expect once you have wall open and have to fix the underlying problems and...
by cheese_breath
Thu Jun 23, 2016 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5830

Re: Should I express my inheritence thoughts to my father?

I do want to be clear that in no case would I be trying to ask for a greater share. That wouldn't be right of him as well as against my principles. Then what exactly do you want? Maybe a note in his will chastising your siblings for their lavish lifestyles and praising you for your more moderate on...
by cheese_breath
Thu Jun 23, 2016 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5830

Re: Should I express my inheritence thoughts to my father?

I do want to be clear that in no case would I be trying to ask for a greater share. That wouldn't be right of him as well as against my principles. Then what exactly do you want? Maybe a note in his will chastising your siblings for their lavish lifestyles and praising you for your more moderate on...
by cheese_breath
Wed Jun 22, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2521

Re: Replacing rotten stud in wall

I'm not a carpenter or a building inspector, but IMHO the only correct thing to do is replace all the damaged studs. Again, not a carpenter but $3K doesn't seem out of line to me considering all that needs to be done to do it right. But I suggest you get a couple more bids just to be sure.
by cheese_breath
Wed Jun 22, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Crickets chirping at night
Replies: 23
Views: 2254

Re: Crickets chirping at night

... OP - you need a predator for your crickets. Google says many creatures eat crickets - and would possibly solve your problem - including spiders, tarantulas, birds, snakes (before you use snakes, be sure to ask LadyGeek first), iguanas, frogs, rodents such as rats and mice, and bearded dragons. ...
by cheese_breath
Wed Jun 22, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Crickets chirping at night
Replies: 23
Views: 2254

Re: Crickets chirping at night

tooluser wrote:They get into my house at three locations in some way I cannot figure out. Not always one or two crickets, mind you, but sometimes whole herds....

A group of crickets is called an orchestra, not a herd. :P
by cheese_breath
Wed Jun 22, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice (ego, startup, San Francisco Bay Area)
Replies: 52
Views: 5532

Re: Very tough career choice (ego, startup, San Francisco Bay Area)

You can make your own decision. But I'll tell you you're not the first person to miss out on a position you thought you deserved, and you won't be the last. The founder's reasoning makes perfect sense to me.
by cheese_breath
Wed Jun 22, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5830

Re: Should I express my inheritence thoughts to my father?

To me it seems you're jealous of your siblings because they haven't been as frugal as you, and they won't be punished for their lavish lifestyle as the inheritance will wipe away their debts. I don't understand how you receiving an equal part of the inheritance will negate your efforts to build your...
by cheese_breath
Wed Jun 22, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Simplifying paying bills
Replies: 39
Views: 3109

Re: Simplifying paying bills

I use autopay too. Making interest free loans to all my utilities and insurance providers doesn't appeal to me that much.
by cheese_breath
Wed Jun 22, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Crickets chirping at night
Replies: 23
Views: 2254

Re: Crickets chirping at night

I used to enjoy the sound of crickets chirping at night when I was growing up before air conditioning. I miss it now that we have to keep all the windows closed because of DW's allergy conditions.
by cheese_breath
Wed Jun 22, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 3243

Re: Will there ever be a better time to sell off my international stake?

Seems to me waiting for a mere 5% drop in international is small potatoes. Why not ask you boss to cut your pay 50%. Then you can really save on taxes.
by cheese_breath
Wed Jun 22, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 3243

Re: Will there ever be a better time to sell off my international stake?

Yes!!! Sell it all today!!! If you wait it might go up, and then you'd have to pay more taxes.

Hint: Paying more taxes means you made more money. Even after you pay the higher tax you'll still have more left in your pocket. :greedy
by cheese_breath
Wed Jun 22, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: 100k+ with 2 year window, how to invest?
Replies: 16
Views: 997

Re: 100k+ with 2 year window, how to invest?

Why the 2 year window? Is it fixed or flexible? What would be the effect of +20% or -20% on the funds to this 2 year window? The usual number thrown out to invest in riskier assets is 5 years, but if the 2 years could be somewhat longer, or you have some flexibility and want to take a chance, consi...
by cheese_breath
Wed Jun 22, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: 100k+ with 2 year window, how to invest?
Replies: 16
Views: 997

Re: 100k+ with 2 year window, how to invest?

So would you buy a bond fund, like VBILX? Or an actual bond with a 2 year window? Also, anyway to lower fees or gain an advantage with a $100K purchase? For instance, VBILX has 10k minimum. Anything with a 100k minimum? Thanks I wouldn't unless you're willing to risk some loses. In two years a bond...
by cheese_breath
Wed Jun 22, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Using toll roads without transponder?
Replies: 19
Views: 1586

Re: Using toll roads without transponder?

I don't know about the states you mention, but we visit Texas occasionally. They identify us from our out of state license plate and send a bill to our home address.
by cheese_breath
Mon Jun 20, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Internet/WiFi speeds and costs
Replies: 54
Views: 3688

Re: Internet/WiFi speeds and costs

30 Mbps is a fine speed. No way does a home need >100 Mbps. Devil is in the details. When they state 30 MBPS, that is usually the peak bandwidth. The sustained bandwidth will be much less, perhaps as little as 20% of peak. Sustained is what you care about when HD video streaming. Most vendors will ...
by cheese_breath
Mon Jun 20, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 1918

Re: Good place to buy new washer dryer

Since not many liked my mom and pop store suggestion... I got a new fridge online about 3 years ago. Home Depot, Lowes and Best Buy all had the same fridge within $3 of each other's prices. I chose Best Buy to get their reward points. Plus Discover gave me 5% back for accessing BB through the Discov...

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