Search found 6964 matches

by cheese_breath
Wed Feb 22, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 47
Views: 2356

Re: BH thoughts on Time shares

If you don't mind sitting through hours of high pressure sales pitches in a remote desert location miles from civilization, well OK. But be prepared to leave with a timeshare deed along with your free tickets.
by cheese_breath
Wed Feb 22, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and LTCG help please
Replies: 14
Views: 770

Re: Retirement and LTCG help please

... In any case, there needs to be some threat of leaving the 15% bracket in the future, otherwise, you won't get any value out of harvesting gains. Omitting consideration of social security and possible state taxes for simplicity of the discussion, harvesting gains as they occur might lessen the p...
by cheese_breath
Wed Feb 22, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and LTCG help please
Replies: 14
Views: 770

Re: Retirement and LTCG help please

... In any case, there needs to be some threat of leaving the 15% bracket in the future, otherwise, you won't get any value out of harvesting gains. Omitting consideration of social security and possible state taxes for simplicity of the discussion, harvesting gains as they occur might lessen the p...
by cheese_breath
Wed Feb 22, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: The relation between stocks, bonds, and interest rates
Replies: 12
Views: 527

Re: The relation between stocks, bonds, and interest rates

It's hard to gauge the effects of supply and demand in such a situation. But I will speculate that panic stock selling by some and fleeing to the relative safety of bonds would initially drive bond prices up. But as rebalancing bands of more rational investors and automatic rebalancing systems kick ...
by cheese_breath
Wed Feb 22, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 26
Views: 1276

Re: Does anyone own gold?

Not unless there's some gold stock in my TSM index fund.
by cheese_breath
Tue Feb 21, 2017 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on promotion opportunity
Replies: 4
Views: 545

Re: Advice on promotion opportunity

At the level you're shooting for forget the phrase "job creep". At that level the operative phrase is "whatever it takes". As noted above "you are the company".
by cheese_breath
Tue Feb 21, 2017 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and LTCG help please
Replies: 14
Views: 770

Re: Retirement and LTCG help please

15% of $50 = $7.50. I'm guessing the total value of these short term gain shares is less that $10K, in which case Vanguard will charge you a $20 service fee unless you enroll in E-delivery. (***) Personally I'd go ahead and do it anyway just to get rid of the extra record keeping for a 'measly' $7.5...
by cheese_breath
Tue Feb 21, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and LTCG help please
Replies: 14
Views: 770

Re: Retirement and LTCG help please

Can you quantify 'minimal'? You will pay 15% tax on any short term gains.
by cheese_breath
Tue Feb 21, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and LTCG help please
Replies: 14
Views: 770

Re: Retirement and LTCG help please

...why wouldn't I sell, take the 0% LTCG and then rebuy Total Stock after waiting 3 months for the frequent trading rule? ... Rather than waiting 3 months on the sidelines have you considered putting it in the S&P 500 Index? It's different enough to not be considered substantially identical, an...
by cheese_breath
Tue Feb 21, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments
Replies: 9
Views: 532

Re: Estimated tax payments

It's interesting how you find doing something three times easier than doing it once. :P (Or twelve times easier than four. :P ) But if you use EFTPS it's no problem. Just be sure you specify the correct quarter for each payment you submit.
by cheese_breath
Tue Feb 21, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Loss on Foreign Currency CD
Replies: 9
Views: 426

Re: Loss on Foreign Currency CD

I'm unfamiliar with this product, so forgive a dumb question. Was the interest paid to you. or was it reinvested in the CD. If it was reinvested then your basis should include the reinvested interest payments, and your loss would be greater than $2,250.
by cheese_breath
Mon Feb 20, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Taxes in a community property state
Replies: 5
Views: 283

Re: Taxes in a community property state

kaneohe wrote:...I don't know which is true but if you get married, you can file joint for the whole yr; you don't have to file single for part of the yr....

OP said she would be claimed by her parents for 2016.
by cheese_breath
Sat Feb 18, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Older parents advice.
Replies: 29
Views: 2602

Re: Older parents advice.

Did he ask for your help or are you doing this on your own initiative? Is he content with his lifestyle, and will his current portfolio enable him to live out his life that way? If so why try to fix what ain't broke? I think sometimes young people fail to appreciate the oldsters views and want to in...
by cheese_breath
Sat Feb 18, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Is the free AAA identity theft protection a good idea, or is there a catch?
Replies: 7
Views: 786

Re: Is the free AAA identity theft protection a good idea, or is there a catch?

I use the free AAA ProtectMyID, and it's fine for what it does. Like most free software it doesn't do everything the paid subscription version does, but what it does is it does fine. No catches.
by cheese_breath
Sat Feb 18, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 6650

Re: Need advice on girlfriend debt/finances

We have already agreed on not having kids. So, if you haven't had a vasectomy, better schedule one now. *You* are the only person who can make that agreement true. Actually she could too, but it's more complicated. Well, he cannot force her to use BC. Mybe I should have said "You are the only ...
by cheese_breath
Sat Feb 18, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 6650

Re: Need advice on girlfriend debt/finances

Sandi_k wrote:
cachemoney wrote:We have already agreed on not having kids.


So, if you haven't had a vasectomy, better schedule one now. *You* are the only person who can make that agreement true.

Actually she could too, but it's more complicated.
by cheese_breath
Sat Feb 18, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Sears maintenance/extended service agreement?
Replies: 13
Views: 862

Re: Sears maintenance/extended service agreement?

I previously never bought those agreements, thinking that if it paid the manufacturer to sell it, it paid me not to buy it. BUT just bought a KitchenAid dishwasher from Lowes. $139 for a five year contract - bought that one! First year overlaps the mfgr warranty, then 4 more years. I figured one se...
by cheese_breath
Sat Feb 18, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 6650

Re: Need advice on girlfriend debt/finances

So my girlfriend and I live in my house I bought in 2010. She isn't much of a saver and never really has planned or budgeted. I have been trying to encourage her to payoff debt, but that hasn't gone well and is a stress/anxiety source for us both ..... She only works 25hrs/week which is concerning ...
by cheese_breath
Sat Feb 18, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: How important is 401k/403b's greater protection against creditors?
Replies: 15
Views: 879

Re: How important is 401k/403b's greater protection against creditors?

Not important at all if you don't default on your bills. ... And provided you also never have any financial setbacks such as accident, injury, illness, lawsuits or judgments or other claims against your assets that you cannot easily afford to pay out of petty cash. jimb Those would create more bill...
by cheese_breath
Sat Feb 18, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Ignorant question regarding delayed 1099
Replies: 7
Views: 461

Re: Ignorant question regarding delayed 1099

...From my ignorant point of view, once things were sold in April there was nothing new that happened that effected me directly, so the information should be available on time. However, I know there is a lot I don't understand about this situation..... Yes the information should be available on tim...
by cheese_breath
Sat Feb 18, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 57
Views: 3100

Re: Long Day Trip: Drive Old Car or Rent Car?

Either way this isn't a big financial issue. Just do whichever you want and don't waste time overanalyzing minute details.
by cheese_breath
Sat Feb 18, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Ignorant question regarding delayed 1099
Replies: 7
Views: 461

Re: Ignorant question regarding delayed 1099

Sometimes companies just screw up. In that case it makes no difference if you would have sold in April or December. Sometimes there may be more serious problems diverting their attention. Either way I know of nothing you can do to speed up their processing.
by cheese_breath
Sat Feb 18, 2017 12:51 am
Forum: Investing - Help with Personal Investments
Topic: How important is 401k/403b's greater protection against creditors?
Replies: 15
Views: 879

Re: How important is 401k/403b's greater protection against creditors?

The thing you need to understand, and you probably already do, is reasonably confident is not a guarantee. Are you willing to take the risk of an unexpected financial surprise demolishing your finely laid plans? I don't know anybody who can answer that question but you. I'm reasonably confident, and...
by cheese_breath
Fri Feb 17, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Sears maintenance/extended service agreement?
Replies: 13
Views: 862

Re: Sears maintenance/extended service agreement?

That water softener could last longer than Sears does.
by cheese_breath
Fri Feb 17, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1556

Re: What to ask puppy breeder?

hypo allergenic dog....The haters on this forum assume things way too quickly. I've heard of hypoallergenic hand lotion and earrings but dogs? Really? What happens when the dog is out for a walk and various allergy producing critters attach themselves to its fur? . So are you suggesting a chipmunk ...
by cheese_breath
Fri Feb 17, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1556

Re: What to ask puppy breeder?

I'd suggest you postpone your decision until you have a chance to talk to more people knowledgeable about with the breed. Not all 'breeders' are as knowledgeable as others, nor as honest. Some are nothing more than amateurs or small scale puppy mills. When I had St. Benards I belonged to the St. Ber...
by cheese_breath
Wed Feb 15, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Enroll employer insurance and then resigning
Replies: 7
Views: 871

Re: Enroll employer insurance and then resigning

IMO while you're still employed there and paying the premiums there's nothing wrong with using the insurance. Not unethical at all. I remember when I transitioned from GM to EDS. The GM dental insurance covered wisdom tooth extractions. The EDS insurance didn't. I had all 4 pulled just before the tr...
by cheese_breath
Wed Feb 15, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvesting
Replies: 21
Views: 1563

Re: Tax gain harvesting

When harvesting capital gains, one does not need to buy a similar investment. One can buy exactly the same investment immediately after selling it. I'm currently in the 15% bracket due to retirement, but there's a possibility that RMDs in a few years could push me out, so I'm considering tax gain h...
by cheese_breath
Mon Feb 13, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Small Retirement Distribution Without 1099-R
Replies: 9
Views: 284

Re: Small Retirement Distribution Without 1099-R

Since the MIL died in July and the check was paid in December, the income does not belong on your MIL's final year individual income tax return. It should be "other income" on her estate income tax return Form 1041, assuming such a tax return is required to be filed. Even though it was ac...
by cheese_breath
Mon Feb 13, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Small Retirement Distribution Without 1099-R
Replies: 9
Views: 284

Re: Small Retirement Distribution Without 1099-R

Since the MIL died in July and the check was paid in December, the income does not belong on your MIL's final year individual income tax return. It should be "other income" on her estate income tax return Form 1041, assuming such a tax return is required to be filed. Even though it was ac...
by cheese_breath
Mon Feb 13, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Small Retirement Distribution Without 1099-R
Replies: 9
Views: 284

Re: Small Retirement Distribution Without 1099-R

clydewolf wrote:MIL is over age 59-1/2? There would be no early redemption penalty....

Oh Yes. Waaaay over. She was 92 when she passed.
by cheese_breath
Mon Feb 13, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Small Retirement Distribution Without 1099-R
Replies: 9
Views: 284

Re: Small Retirement Distribution Without 1099-R

Epsilon Delta wrote:Add it directly to line 15b or 16b. If your software won't allow this use different software.

I'll use TurboTax. It gets the info from the 1099-R, but maybe it will let me get by with a Skeleton 1099-R (?) I'll check
by cheese_breath
Mon Feb 13, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Small Retirement Distribution Without 1099-R
Replies: 9
Views: 284

Small Retirement Distribution Without 1099-R

Late last December Chase Bank sent my deceased MIL a small check to correct an error in calculating the interest on a CD within her IRA. They sent the check because the IRA was closed by the time they discovered their error. (DW inherited the IRA upon MIL’s death in July and closed it shortly therea...
by cheese_breath
Mon Feb 13, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: When to Convert T-IRA to Roth and Pay Estimated Tax?
Replies: 8
Views: 494

Re: When to Convert T-IRA to Roth and Pay Estimated Tax?

Do you have a penalty even when using the Annualized Income Installment Method? Using that approach might eliminate the penalty in your situation (large income chunk at the end of the year)... You're referring to form 2210 right? I used that when I did a large 4th quarter conversion in 2012, and it...
by cheese_breath
Mon Feb 13, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Power of attorney question
Replies: 13
Views: 765

Re: Power of attorney question

Your brother is not executor of your aunt's estate. Her will nominates him for the position. Although the nomination carries a lot of weight weight with the court, the court is not compelled to approve it. If the court judges your brother unfit to perform the executorship duties it may choose someon...
by cheese_breath
Mon Feb 13, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2320

Re: Need quick advice: Pay full year's rent or large security deposit?

Eagle4Life wrote:Find a more affordable apartment with reasonable deposit requirements.

Or a roommate to share expenses.
by cheese_breath
Sun Feb 12, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 58
Views: 3893

Re: Kitchen cabinets

Dated is a concept created by cabinet sales interests and decorators to make perfectly good items seem like they need replaced..... +1 That's what I was trying to say, but you said it a lot better. Back to one of OP's questions... Yes, white cabinets do get dirty and get stains from food spilled on...
by cheese_breath
Sun Feb 12, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 58
Views: 3893

Re: Kitchen cabinets

'Dated' is in the eye of the beholder. Are you concerned enough about what other people think to spring for new cabinets so you can keep up with the latest trend? If you are you'll probably be replacing them again in a few years when the 'in-fashion' changes.I still have the original cabinets that c...
by cheese_breath
Sat Feb 11, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 101
Views: 8397

Re: How Much Cash Do You Actually Hold?

I'm in retirement living of my and DW's social security plus my two small non-COLA pensions. So far I haven't made any significant withdrawals to my investment portfolio, but that day will come. Currently I'm about 34% in equities, 55% in TIAA Traditional 3% guaranteed IRAs (instead of bonds), and 1...
by cheese_breath
Sat Feb 11, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Paid Up Additions life insurance
Replies: 2
Views: 204

Re: Paid Up Additions life insurance

Seems like this is a question for the agent.
by cheese_breath
Sat Feb 11, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: House Flipping Question
Replies: 4
Views: 776

Re: House Flipping Question

...I would never consider such an arrangement unless I had the time to visit the worksite daily and had a lot of previous construction and real estate knowledge so I could play a prominent role in decisions. And even then, I can think of much less risky things to do with my money.... +1 Tarek and C...
by cheese_breath
Fri Feb 10, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14563

Re: Why do you go to restaurants?

So someone else can do the cooking and after dinner cleanup.
by cheese_breath
Fri Feb 10, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Wise Care 365
Replies: 5
Views: 504

Re: Wise Care 365

There are several free programs available right now on that site....I suggest that you sign up for their emails as there are free programs available on a weekly basis...I did not have problem with nag ware in regards to this program....another good site similar to this one is giveawayoftheday.com.....
by cheese_breath
Fri Feb 10, 2017 9:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 250
Views: 8904

Re: Your USER NAME...what does it mean?

It means the forum rules won't let you change your user name... oh well. If you mean this forum, only moderators or site admins can change someone's username. "Lady" - My gender (female). "Geek" - I'm an engineer, no further explanation is needed. Lots of explanation needed cons...
by cheese_breath
Fri Feb 10, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Wise Care 365
Replies: 5
Views: 504

Re: Wise Care 365

I have used it and it works for me......if you want a free legit copy of the Pro version (not the free version) ....it happens to be the free giveaway today at this site https://sharewareonsale.com/ Thanks. I'm on my Chromebook right now, but I'll grab copy on my PC later this afternoon. I just sta...
by cheese_breath
Thu Feb 09, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Car for Business Travel
Replies: 15
Views: 759

Re: Personal Car for Business Travel

What is your occupation, and what is your client's business? MIght that influence your choice? For example, if you're in sales it might be preferable to drive a newer car to impress the client. Or if your client is an auto manufacturer it might be advisable to drive their brand. I'm in accounting/a...
by cheese_breath
Thu Feb 09, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Car for Business Travel
Replies: 15
Views: 759

Re: Personal Car for Business Travel

What is your occupation, and what is your client's business? MIght that influence your choice? For example, if you're in sales it might be preferable to drive a newer car to impress the client. Or if your client is an auto manufacturer it might be advisable to drive their brand.
by cheese_breath
Thu Feb 09, 2017 4:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 250
Views: 8904

Re: Your USER NAME...what does it mean?

Surprise!!! Mine has nothing to do with cheese. DW is a big fan of Annette Funicello and the MIckey Mouse club, and I used to call her cheese breath as a reference to the mice. Then I decided it was such a cool name I stole it for myself to use on this forum.
by cheese_breath
Wed Feb 08, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 2452

Re: Worth it to get 300 Mbps internet?

58 Mbps is more than twice what I get on speed tests, and I never have any problems streaming. Have you considered the possibility your ISP might be the problem? It doesn't matter how fast your connection is if the ISP isn't pushing the data out fast enough.

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