Search found 5597 matches

by cheese_breath
Sat Feb 13, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: This is Your Brain On Investing
Replies: 13
Views: 1458

Re: This is Your Brain On Investing

At first I was going to say if I have TSM or S&P 500 index funds I can get as emotional watching the S&P go up or down as I would watching an individual stock. But after more thought I changed my mind as the individual stock may have more drastic volatility than the broader based index fund....
by cheese_breath
Fri Feb 12, 2016 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Cherry picking popular stocks: hedge funds vs. index funds
Replies: 6
Views: 322

Re: Cherry picking popular stocks: hedge funds vs. index funds

PyedPyper_ero wrote:.... Trading stocks looks easy... Before I enter into a trade, what are some things I should know?

Trading is easy. Making money from trading? Not so much.
by cheese_breath
Fri Feb 12, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $13 of hobby money?
Replies: 54
Views: 1856

Re: What to do with $13 of hobby money?

No, it's not the $2 bill. I got the money out of thoughtfulness and care in people's hearts, and want to appreciate and enjoy it in such a way that their kindness doesn't go unnoticed.... In that case it's not wasteful, and you shouldn't feel guilty about keeping it separate. The memories it provid...
by cheese_breath
Fri Feb 12, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $13 of hobby money?
Replies: 54
Views: 1856

Re: What to do with $13 of hobby money?

betterfinances wrote:It's bills. Twelve of them to be exact.

So one of them is a $2.00 bill. Is that what makes it special?
by cheese_breath
Fri Feb 12, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $13 of hobby money?
Replies: 54
Views: 1856

Re: What to do with $13 of hobby money?

SimonJester wrote:So is this a ten and three ones, a two fives and three ones, one five and and eight ones, or thirteen ones?
We need to know the denominations to give accurate advice.

Can we assume it's all bills? Any coins? I guess if someone gave me 1300 pennies I might consider it special.
by cheese_breath
Fri Feb 12, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: SS and Medicare taxes owed
Replies: 6
Views: 495

Re: SS and Medicare taxes owed

Don't your pay stubs tell you how much was withheld for those items each pay period? Maybe "pay stubs" is an obsolete term (?), but don't you get some kind of withholding statement every pay period?
by cheese_breath
Fri Feb 12, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $13 of hobby money?
Replies: 54
Views: 1856

Re: What to do with $13 of hobby money?

More details on what makes this $13 so special? If it has really special memories maybe you should keep it forever. Maybe frame it and hang it over the fireplace? The memories it will evoke every time you see it might compensate for 'wasting' $13. Otherwise buy some chips and beverage next time you'...
by cheese_breath
Thu Feb 11, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Gold on a tear
Replies: 10
Views: 1489

Re: Gold on a tear

...Did you notice that CNBC had an analysis dude on TV just the other night that said, Walt Disney stock would be the best stock to own now until you die. I wonder if he has past away yet. Yes he did a short time ago in 1966. Maybe he meant the analysis dude. :P Now I'm not sure who doesn't get the...
by cheese_breath
Thu Feb 11, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Gold on a tear
Replies: 10
Views: 1489

Re: Gold on a tear

mickroark wrote:...Did you notice that CNBC had an analysis dude on TV just the other night that said, Walt Disney stock would be the best stock to own now until you die. I wonder if he has past away yet.

Yes he did a short time ago in 1966.
by cheese_breath
Thu Feb 11, 2016 12:03 am
Forum: Personal Consumer Issues
Topic: Bear Meat
Replies: 37
Views: 2980

Re: Bear Meat

tetractys wrote:Depends on the cut. Not sure ribs are the greatest. Bear feet ....?

The feet are great... http://i5.walmartimages.com/dfw/dce07b8 ... 2b6.v1.jpg
by cheese_breath
Wed Feb 10, 2016 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: delicate conversation with grandparents
Replies: 42
Views: 3591

Re: delicate conversation with grandparents

... Right or wrong, your spouse and his family don't discuss these things, so what's the point in forcing a discussion which these grandparents have chosen not to pursue ..... We don't know if that's a conscious choice or they just haven't mentioned it again. They told OP and hubby about it 10 year...
by cheese_breath
Wed Feb 10, 2016 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: delicate conversation with grandparents
Replies: 42
Views: 3591

Re: delicate conversation with grandparents

I guess all I can say is I'd hate to go to my grave wondering if my child might have been able to reduce his student loan debt by $250K if I hadn't been to afraid to talk to my parents.
by cheese_breath
Wed Feb 10, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: delicate conversation with grandparents
Replies: 42
Views: 3591

Re: delicate conversation with grandparents

Are we making a mountain out of a mole hill? Ten years ago grandparents told parents they had a life insurance policy that would pay each grandchild $250K when they both die. One child is thinking about studying to be a doctor. Parents would like to verify the insurance is still in force and where t...
by cheese_breath
Wed Feb 10, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: delicate conversation with grandparents
Replies: 42
Views: 3591

Re: delicate conversation with grandparents

My in-laws have given us a sheet of paper with the names of a couple of their financial advisors. They travel frequently, and they told us, "If anything happens to us, these are the people to call." I guess we will have to assume that these advisors will know all there is to know. I'm rea...
by cheese_breath
Wed Feb 10, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: delicate conversation with grandparents
Replies: 42
Views: 3591

Re: delicate conversation with grandparents

While I agree you shouldn’t don’t count your chickens before they’re hatched I don’t think you should ignore the matter either. DW’s father died at age 38 when she was only 16. Previously he told my MIL he had purchased an insurance policy to pay off the mortgage if he passed prematurely, but she wa...
by cheese_breath
Tue Feb 09, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 4194

Re: What is your opinion on the Federal goverment retirement plan?

One of the benefits wouldn't by chance be a better option than the Vanguard funds which has the same investment philosophy as the Vanguard Funds but the expense ratio is .029?
viewtopic.php?f=1&t=184124
by cheese_breath
Tue Feb 09, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: Math and Computer Science
Replies: 69
Views: 3241

Re: Math and Computer Science

Is it the science or the computer he likes? There are scores of IT positions in the business world that don't require the science part.
by cheese_breath
Tue Feb 09, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Do we need to be physically in Costa Rica?
Replies: 19
Views: 1072

Re: Do we need to be physically in Costa Rica?

I've read a lot of material about ice cream, reviews, etc. I've seen many beautiful pictures of ice cream... sundaes, floats, banana splits, etc. And I've even watched many YouTube videos of people eating all the different flavors. It seems I have known everything about ice cream. My question is: Do...
by cheese_breath
Tue Feb 09, 2016 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: How to respond to a siblings who gloats over a great stock pick?
Replies: 51
Views: 2926

Re: How to respond to a siblings who gloats over a great stock pick?

Take the high road and congratulate him on his good luck. And then be available to sympathize when his next pick doesn't work out so well.
by cheese_breath
Tue Feb 09, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Water/Rust stains on car
Replies: 2
Views: 222

Re: Water/Rust stains on car

I sure wouldn't use CLR on my car's paint. I don't know if a detail shop could take care of it or not, but he could ask them what they think.
by cheese_breath
Tue Feb 09, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 50
Views: 2864

Re: Rental car for weekend trip to save on miles on new car?

The only time I've rented a car other than it being too far to drive is to take a leisurely site seeing trip from home to New Orleans and then fly back home.
by cheese_breath
Mon Feb 08, 2016 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5224

Re: No guts to buy today!

I did a TLH from TSM to S&P 500 today, and I also bought some more S&P 500. It was time to rebalance, but I had to wait 31 days from last month's TLH from S&P 500 to TSM before I could buy more.
by cheese_breath
Mon Feb 08, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Quest for lower fees: Found lowest cost option yet. Go with it?
Replies: 23
Views: 1419

Re: Quest for lower fees: Found lowest cost option yet. Go with it?

I think many of us would like to know more about "the other place." If there's some reason why its name must be kept secret I'd be very suspicious of it.
by cheese_breath
Mon Feb 08, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3962

Re: What happens when car accident claim exceeds insurance limits?

I could be all wet, but my view of Un/under insured coverage was that it only covered car accident related things. I planned on my health insurance covering medical bills.... As noted previously, some health insurance plans exclude coverage for injuries resulting from auto accidents. Check your pol...
by cheese_breath
Mon Feb 08, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3962

Re: What happens when car accident claim exceeds insurance limits?

Can someone kindly explain the uninsured/under-insured driver issue? Is this insurance to protect you in case you are injured by an uninsured/under-insured driver? Correct. If the other driver does not have insurance and is at fault for an accident, and you carry uninsured driver's insurance, your ...
by cheese_breath
Sun Feb 07, 2016 10:45 pm
Forum: Investing - Theory, News & General
Topic: Will the Super Bowl Theory Hold Up This Time?
Replies: 27
Views: 4975

Re: Will the Super Bowl Theory Hold Up This Time?

Payton won! I'm glad, whatever the theory says. Normally I root for the NFC team, but this time I rooted for Payton to go out on top. Of course if he doesn't retire that ruins my theory.
by cheese_breath
Sun Feb 07, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: World-class Worrier Trying to Reassure Another
Replies: 27
Views: 1997

Re: World-class Worrier Trying to Reassure Another

What do you think? She equates this situation to jumping off a cliff while being pursued by wild animals hoping to eat her alive (imagine those dreams). I think it is more likely that wild animals run in fear from mankind since they fear being eaten.... Depends on what kind of animals. Some are eat...
by cheese_breath
Sun Feb 07, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3962

Re: What happens when car accident claim exceeds insurance limits?

First I'm not a lawyer so this isn't legal advice. But I believe the injured party would collect from your insurance company first, and if they believe the amount is insufficient they could sue you for more. Has the total liability been set by the court, or is it still in question?
by cheese_breath
Sun Feb 07, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3962

Re: What happens when car accident claim exceeds insurance limits?

If you're responsible the other party could to go after you for the rest. That's why we have umbrella policies.
by cheese_breath
Sun Feb 07, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Water Usage and Super Bowl
Replies: 2
Views: 842

Re: Water Usage and Super Bowl

I still have 1980 vintage toilets, but even my bowels aren't that big.
by cheese_breath
Sun Feb 07, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: World-class Worrier Trying to Reassure Another
Replies: 27
Views: 1997

Re: World-class Worrier Trying to Reassure Another

Mintee wrote:... While some of this is discretionary, most is not (e.g., they help to support a disabled parent)...

Trying not to be morbid, but if they're both 62 the disabled parent must be nearing end of life. That should reduce their financial needs significantly.
by cheese_breath
Sun Feb 07, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: World-class Worrier Trying to Reassure Another
Replies: 27
Views: 1997

Re: World-class Worrier Trying to Reassure Another

... They have accumulated about $4M and have a 50%/50% allocation. They estimate spending to be about $125K per year, including taxes.... Do they realize $4M at $125K per year would last 32 years even if they stuffed it under the mattress and earned nothing? But they're not stuffing it under the ma...
by cheese_breath
Sun Feb 07, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Made tax payments in 2015, confused about 2015 return
Replies: 8
Views: 407

Re: Made tax payments in 2015, confused about 2015 return

As TT leads you through its process it will eventually ask you whether you've paid estimated taxes for the year. You reply 'yes', and it will take you to a screen where you enter them.
by cheese_breath
Sat Feb 06, 2016 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Long time lurker, first time poster
Replies: 8
Views: 1174

Re: Long time lurker, first time poster

Briar Rabbit... Any relation to Brer Rabbit?
https://www.earlymoments.com/upload/Ear ... riends.jpg

edit: Revised link to picture.
by cheese_breath
Sat Feb 06, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: Raw Honey?
Replies: 34
Views: 2556

Re: Raw Honey?

LAlearning wrote:You shouldn't drink raw milk.
http://www.cdc.gov/foodsafety/rawmilk/r ... swers.html

+1 There's a reason we pasteurize milk.

http://www.fda.gov/Food/ResourcesForYou ... 079516.htm
by cheese_breath
Sat Feb 06, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should You Work Longer ?
Replies: 10
Views: 1504

Re: Should Your Work Longer ?

I never bothered calculating how much more I would have if I worked longer. As soon as I had enough to retire I did.
by cheese_breath
Thu Feb 04, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5349

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

Currently almost 100% is covered except for large purchases like a new car. But since neither of my pensions is COLA adjusted this will change as inflation ramps up. As far as my portfolio is concerned I just plan for covering any remaining expenses after pensions and SS have paid their part.
by cheese_breath
Thu Feb 04, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Tax refund - paper check or direct deposit?
Replies: 13
Views: 763

Re: Tax refund - paper check or direct deposit?

If the tax return gets into the hands of bad guys you have a lot more to worry about than your tax refund. They will have everything they need to steel your identity, and the refund will look like small change compared to what they can do with your identity. Use DD. edit: Most likely your pay check ...
by cheese_breath
Thu Feb 04, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6070

Re: Sibling's destination wedding?

I've never been in that situation, but there may be a fourth choice... Sibling pays for part (or all) of invited family's travel and lodging expenses since (s)he chose the wedding location.
by cheese_breath
Thu Feb 04, 2016 12:13 am
Forum: Personal Consumer Issues
Topic: Best Tips for Packing & Moving?
Replies: 14
Views: 1281

Re: Best Tips for Packing & Moving?

Last time we moved about 10 miles we still had a station wagon. For the hanging clothes we just put the back seats down, spread a clean sheet on the floor, and laid the clothes on top of each other. This should be OK if you have a SUV with fold down seats or pickup with enclosed bed. This isn't long...
by cheese_breath
Wed Feb 03, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6425

Re: What age did you retire

OK we need to be honest in this thread. If your spouse works, your not "retired". You are a single income family. It doesn't count if someone else is paying your bills. I used to work but don't anymore. Wife never worked outside the house. So does that mean I'm retired? Oh wait a minute. ...
by cheese_breath
Tue Feb 02, 2016 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6425

Re: What age did you retire

56. Would have done it sooner if I could.
by cheese_breath
Tue Feb 02, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Silent Investor Owed Lots of Money
Replies: 33
Views: 2372

Re: Silent Investor Owed Lots of Money

VictoriaF wrote:
supersharpie wrote:Sounds like a storyline to an episode of American Greed.


It's not uniquely American. Recently, a friend told me about his 80-year old relative in a different country who's spent tens of thousands of dollars on his girlfriend's breast enlargement.

Victoria

Did you mean that to be singular?
by cheese_breath
Tue Feb 02, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: 67% Expense Ratio?
Replies: 10
Views: 1921

Re: 67% Expense Ratio?

They must be reading this thread because it's fixed now.
by cheese_breath
Tue Feb 02, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: DH just now noticed VALIC didn't distribute RMDs last year
Replies: 10
Views: 881

Re: DH just now noticed VALIC didn't distribute RMDs last year

wit $33K at age 77 the RMD can't be that much. Maybe somewhere around $1500? So you might owe around $750? I know $750 isn't chickenfeed, but at least he didn't have a $300K IRA.
by cheese_breath
Tue Feb 02, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retired - do you still save?
Replies: 24
Views: 1978

Re: Retired - do you still save?

I don't consciously save, but I plan. Most months my pensions and SS cover all my expenses, but I don't spend any extra just to spend it all. So I guess you might call that saving. But I don't consciously reserve any of it for any specific purpose. I just plan ahead for all my known upcoming expense...
by cheese_breath
Tue Feb 02, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15759

Re: Unwinding day old terrible car deal for mother-in-law

I agree you have no leverage. The GM could have held MIL to the original contract, so just get the best deal he'll give you and live with it. You have some leverage. In addition to possible bad publicity, if the GM holds the MIL to the original deal, you can let her default (possibly immediately), ...
by cheese_breath
Tue Feb 02, 2016 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Nearing retirement but annual contribution still very significant
Replies: 41
Views: 3488

Re: Nearing retirement but annual contribution still very significant

It's all relative. I don't recall you giving your age anywhere, but for sake of discussion let's say your ERO package gives you retirement at age 60. The contributions you put in at age 25 will have had 30 more years to grow than the ones you put in at 55. So in that sense the earlier ones are more ...

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