Search found 6481 matches

by cheese_breath
Tue Sep 27, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: latest scandal has me thinking of leaving Wells Fargo
Replies: 23
Views: 2434

Re: latest scandal has me thinking of leaving Wells Fargo

Use your credit union......or likely ANY credit union, even if you're not a member. There are more credit union branches in the US than any big bank. Most credit unions work together, so walk into a random credit union and you can do whatever you could do at your own credit union. Try that at Bank ...
by cheese_breath
Tue Sep 27, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Old employer moved 401k to IRA; I may exceed contribution limit
Replies: 3
Views: 286

Re: Old employer moved 401k to IRA; I may exceed contribution limit

What you describe as movement sounds like a direct rollover to me. This shouldn't affect your contribution limits.
by cheese_breath
Tue Sep 27, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Computer backup options
Replies: 21
Views: 1002

Re: Computer backup options

I back up my entire system twice a month using different external drives for the start of month and middle of month backups. I back up a few folders (financial folder, documents folder, and a couple others) at the end of each day. I also use Norton Security with Backup to backup the same folders in ...
by cheese_breath
Mon Sep 26, 2016 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: latest scandal has me thinking of leaving Wells Fargo
Replies: 23
Views: 2434

Re: latest scandal has me thinking of leaving Wells Fargo

Use your credit union......or likely ANY credit union, even if you're not a member. There are more credit union branches in the US than any big bank. Most credit unions work together, so walk into a random credit union and you can do whatever you could do at your own credit union. Try that at Bank ...
by cheese_breath
Mon Sep 26, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Christine's article today on RMD's...a question to bogleheads
Replies: 22
Views: 2101

Re: Christine's article today on RMD's...a question to bogleheads

heartwood wrote:...I had no idea who Christine is and would not have found the article without the link. Is she like Cher or Bono?

Aguilera. They're both blonds. :D
by cheese_breath
Mon Sep 26, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Were these microwave oven potentially harmful?
Replies: 7
Views: 836

Re: Were these microwave oven potentially harmful?

Is is non-ionizing radiation harmful to humans? I don't know, and I don't care. I just wouldn't take a chance. And even if it's safe why would you even consider keeping something of such shoddy workmanship?
by cheese_breath
Mon Sep 26, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: Christine's article today on RMD's...a question to bogleheads
Replies: 22
Views: 2101

Re: Christine's article today on RMD's...a question to bogleheads

...I've also wondered about her comment about the qualified charitable move of some of the RMD. I already itemize and so my charitable donations count tax wise. It is just interesting to me that this is the second time she has mentioned the benefit of this direct RMD donation to charity versus givi...
by cheese_breath
Sun Sep 25, 2016 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Term insurance cost after initial term - typical increase?
Replies: 6
Views: 573

Re: Term insurance cost after initial term - typical increase?

My experience with my group policy at work was my premium jumped significantly the month I turned 50. I'm 75 now, and I'm not going to dig through the old records for an exact number, but I remember it was a big jump.
by cheese_breath
Sun Sep 25, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: latest scandal has me thinking of leaving Wells Fargo
Replies: 23
Views: 2434

Re: latest scandal has me thinking of leaving Wells Fargo

... Why should a bank make money on someone taking $20, $40, $100 bucks from an ATM? It's immoral in my opinion.... The original justification for ATMs was to reduce expenses by reducing the number of tellers. You can pay to use the ATM or stand in long lines inside because they're not enough telle...
by cheese_breath
Sun Sep 25, 2016 9:54 pm
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 2804

Re: Selling in October

Yes, you understand the question. I can't rebalance, I am 100% stocks. I am following John Bogle's advice. He suggests that you include any pensions as part of your bond portfolio. If I use a 4% SWR for my Roth and traditional IRA they will payout the same as my pension. Assuming I have the same am...
by cheese_breath
Sun Sep 25, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Do you have a "his car" and "her car" in your household?
Replies: 8
Views: 1072

Re: Do you have a "his car" and "her car" in your household?

We used to before I retired and she was still able to drive. Usually after a few years her car became my car, an she got a new car.
by cheese_breath
Sun Sep 25, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Relocating from place with no state tax to a place with state tax
Replies: 9
Views: 1160

Re: Relocating from place with no state tax to a place with state tax

It took me about 15 seconds to find this on Google... "Income earned by an individual while they are not a resident of Colorado will be taxed in Colorado only if it is considered Colorado-source income and is included in their modified federal adjusted gross income" https://www.colorado.go...
by cheese_breath
Sun Sep 25, 2016 10:09 am
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 2804

Re: Selling in October

MEA wrote:
LAlearning wrote:Uh, why would this pay off?

You must not have the same fear of October that I have.

And what's the cause of this irrational fear of October? Are you afraid the Cubs will win the World Series, and the world will end?
by cheese_breath
Fri Sep 23, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 3236

Re: Would you buy this house in a flood zone? HELP!

I wouldn't knowingly buy a house in a flood zone. Even if it hasn't flooded in decades, there's still a reason why it's called a flood zone. Why take the risk when there are so many other options available?
by cheese_breath
Fri Sep 23, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 1996

Re: IRA CD question

A related question.... If you use CDs - regardless of whether brokered or bank - in your IRA and you are of RMD age, how do you take your RMDs? I assume you just keep enough in more liquid assets, such as a bond fund, to cover your RMDs until the CDs come due. Is that all there is to it? I don't kn...
by cheese_breath
Fri Sep 23, 2016 4:54 pm
Forum: Personal Consumer Issues
Topic: Minor fender bump question
Replies: 17
Views: 1339

Re: Minor fender bump question

Go to the police station and file a report describing the incident and damage to get it on the record in case this is a scammer.
by cheese_breath
Fri Sep 23, 2016 2:47 pm
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 5138

Re: I guess we better peek when it comes to Vanguard

Update, I didn't need to call. I checked again this morning and it had the right amount.... My guess is your request to transfer your money generated input transactions to two batch update jobs. The job to add the money to the new fund runs before the job to subtract the money from the old fund. Te...
by cheese_breath
Fri Sep 23, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Should I appeal dental claim denial?
Replies: 27
Views: 1670

Re: Should I appeal dental claim denial?

They are different to me... and I think more people on BH are more precise than the general population. I count myself more among general population. Under 9 or until the child *turns* 9 or until the child's 9th birthday or up to 9 years and 0 days old are clear to me. To me, "up to age 9"...
by cheese_breath
Fri Sep 23, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 1996

Re: IRA CD question

I believe all you have to do is open an IRA with Ally, and then you should be able to transfer part of your VG IRA into the Ally IRA.
by cheese_breath
Fri Sep 23, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Can adult child gift money back to parent?
Replies: 31
Views: 3449

Re: Can adult child gift money back to parent?

This has been discussed in other threads. Use the Google box in the upper right corner to search the forum. I believe the conclusion was...

If it looks like a loan, and walks like a loan, and quacks like a loan, it's a loan. And I believe there is a minimum interest rate to be charge for it.
by cheese_breath
Fri Sep 23, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: "Boglehead path" derailed
Replies: 26
Views: 5161

Re: "Boglehead path" derailed

Forgive the crude comment to follow, but I don't know how to say this tactfully. Unless you expect to pass on soon all you're doing is trading immediate comforts for an even worse financial future. I can relate to your condition (partially) as my wife is nearly homebound with severe health problems ...
by cheese_breath
Fri Sep 23, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Tenant responsible for appliances?
Replies: 20
Views: 1167

Re: Tenant responsible for appliances?

Don't forget the blender and can opener. :D
by cheese_breath
Fri Sep 23, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvest to set up future tax loss harvest?
Replies: 14
Views: 617

Re: Tax gain harvest to set up future tax loss harvest?

Since you're in the 15% bracket your LTCGs will be taxed at 0%. When you TLH you can write up to $3,000 per year off your ordinary income, assuming you don't take any gains that year. By raising my basis in previous years as you are suggesting I was able to TLH approximately $4,000 this year. I'll ...
by cheese_breath
Fri Sep 23, 2016 7:19 am
Forum: Investing - Theory, News & General
Topic: Understanding cliches we hear often for the newbie investor
Replies: 7
Views: 691

Re: Understanding cliche's we hear often for the newbie investor

As far as "NOT a time to watch the paint dry" it's never that time for the financial networks. They need excitement to keep their audience so they try to promote it.
by cheese_breath
Fri Sep 23, 2016 7:03 am
Forum: Investing - Theory, News & General
Topic: Ric Edelman thinks a Financial Planner is needed to buy Term Insurance
Replies: 9
Views: 1307

Re: Ric Edelman thinks a Financial Planner is needed to buy Term Insurance

"Financial professionals" in his terms clearly meant his firm, or firms like it. SelectQuote or other similar sites would work too, and for free. My beef with him is that his first answer to everything financial is to consult a financial planner/advisor/professional (and pay their fees), ...
by cheese_breath
Thu Sep 22, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Supervisor - Involve Union?
Replies: 37
Views: 3395

Re: Bad Supervisor - Involve Union?

Among employees, there tends to be a bit of anti union sentiment (even toward our own) that I've never understood. That was part of my caution. It's a typically "right leaning" group of professionals and the union typically leans left. You can't let other peoples' feelings deter you from ...
by cheese_breath
Thu Sep 22, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Supervisor - Involve Union?
Replies: 37
Views: 3395

Re: Bad Supervisor - Involve Union?

Your union is there for your protection. Use it.
by cheese_breath
Thu Sep 22, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: Should I appeal dental claim denial?
Replies: 27
Views: 1670

Re: Should I appeal dental claim denial?

I would very much appeal. Your child is Age 9 until they are not, and will be age 10. I think we have some math-challenged people around here. The contract says "less than" but you want it to say "less than or equal to". It's not that we are math challenged. What was the exact w...
by cheese_breath
Thu Sep 22, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Should I appeal dental claim denial?
Replies: 27
Views: 1670

Re: Should I appeal dental claim denial?

"Up to age 9"is different that "thru age 9'". I doubt you'll win, but there's nothing to be lost by appealing.
by cheese_breath
Thu Sep 22, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 20
Views: 2616

Re: Aging and Spending

Nope.
by cheese_breath
Thu Sep 22, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Warm January Vacation?
Replies: 19
Views: 1686

Re: Warm January Vacation?

South Padre Island, Texas ??
by cheese_breath
Wed Sep 21, 2016 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 29
Views: 2003

Re: Contribution to satisfy RMD

Gill wrote:No, the amount paid to charity is excluded from gross income.
Gill

Right. I stand corrected.
by cheese_breath
Wed Sep 21, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 29
Views: 2003

Re: Contribution to satisfy RMD

Call Vanguard and have them do all of the work. First request a Qualified Charitable Distribution (QCD) from your IRA. Vanguard will send a check to you made out to the charity of your choice that you can pass on to the charity. I think this needs to be done with a phone call to VG. After the QCD h...
by cheese_breath
Wed Sep 21, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: capitol gains on home sale
Replies: 7
Views: 426

Re: capitol gains on home sale

Perhaps OP is stuck in the '90s when you could defer capital gains by buying a more expensive home?

http://www.investopedia.com/terms/defer ... f-home.asp
by cheese_breath
Wed Sep 21, 2016 5:24 pm
Forum: Investing - Theory, News & General
Topic: Ric Edelman thinks a Financial Planner is needed to buy Term Insurance
Replies: 9
Views: 1307

Re: Ric Edelman thinks a Financial Planner is needed to buy Term Insurance

I get some chuckles from Rick too as he speels out all the different things an investor has to worry about when most of them could be covered by a VTI and BND purchase.
by cheese_breath
Wed Sep 21, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Spare Tire Replacement
Replies: 17
Views: 1076

Re: Spare Tire Replacement

I didn't realize they still made full size spares. 'Back in the days' when they were common tire rotations included all 5 tires. Pickup trucks generally have full sized spares but if you have aluminum wheels, the spare won't match as it is a steel wheel.... I forgot about that as I've only had a co...
by cheese_breath
Wed Sep 21, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Free housing vs 30k bonus to purchase home
Replies: 16
Views: 1814

Re: Free housing vs 30k bonus to purchase home

First thing I thought of when I read this was that the Hospital may be looking to eliminate the free housing option, and are testing the waters by "buying people out" for $30k. If they decide to sell the space, or start charging to use it, you may wish you had taken the money. My thought ...
by cheese_breath
Wed Sep 21, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Federal fund rate and retirees
Replies: 7
Views: 661

Re: Federal fund rate and retirees

Everyone has this 4% withdrawal rate from their retirement account No they don't. That's a guideline (not a rule) developed when rates were higher. Some experts are recommending around 3% now in recognition of the lower interest rate environment. Personally, I don't use any withdrawal rate. I use a...
by cheese_breath
Wed Sep 21, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 52
Views: 3959

Re: Edward Jones exodus from American Funds?

The new fiduciary rule is forcing changes in everyone's accounts. It will change to fee based advice structure. 1.3% annually on total account value. I won't go into all of the problems I have with this change, but I have one question based on something my adviser told me today. Edward jones is hea...
by cheese_breath
Wed Sep 21, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: Spare Tire Replacement
Replies: 17
Views: 1076

Re: Spare Tire Replacement

I didn't realize they still made full size spares. 'Back in the days' when they were common tire rotations included all 5 tires.
by cheese_breath
Wed Sep 21, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Free housing vs 30k bonus to purchase home
Replies: 16
Views: 1814

Re: Free housing vs 30k bonus to purchase home

... Free is nice, that's for sure... But it isn't free. It comes with a lot of expenses such as home maintenance, utilities, property taxes, etc. that will soon eat up your $30K. Sorry, it was too early before coffee on my last post. I should've separated the thoughts. By "free is nice" I...
by cheese_breath
Wed Sep 21, 2016 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 52
Views: 3959

Re: Edward Jones exodus from American Funds?

I don't intend to imply whether American funds are good or bad, but if I was an EJ client (which I'm not) I'd be very disturbed by an advisor telling me he had to sell all my funds to comply with the new fiduciary standard. That's the same thing as admitting he wasn't acting in my best interest befo...
by cheese_breath
Wed Sep 21, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Free housing vs 30k bonus to purchase home
Replies: 16
Views: 1814

Re: Free housing vs 30k bonus to purchase home

Radjob4me wrote:... Free is nice, that's for sure...

But it isn't free. It comes with a lot of expenses such as home maintenance, utilities, property taxes, etc. that will soon eat up your $30K.
by cheese_breath
Tue Sep 20, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Idea for an App ?
Replies: 7
Views: 764

Re: Idea for an App ?

One do-all and do-everything app so we would never have to ask for another one.
by cheese_breath
Tue Sep 20, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Free housing vs 30k bonus to purchase home
Replies: 16
Views: 1814

Re: Free housing vs 30k bonus to purchase home

You've got a good thing going. Don't trade it for $30K and a lot of hassle.
by cheese_breath
Tue Sep 20, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Please - Help with Allocation Across Accounts
Replies: 4
Views: 168

Re: Please - Help with Allocation Across Accounts

You don't have to worry about tax efficiency since everything is in IRAs. And since everything is with VG you can spread it any way you want so long as the total comes out right... that is until you reach the age when you have to start taking RMDs. edit: I forgot to mention I would put the funds I e...
by cheese_breath
Mon Sep 19, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Organizations That Help The Poor
Replies: 14
Views: 653

Re: Charitable Organizations That Help The Poor

Google "rescue mission" followed by your city's name.
by cheese_breath
Mon Sep 19, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 2657

Re: Advice on snowblower

The Wizard wrote:Electric start is practically mandatory, I would say...

I suppose it depends on the size of the blower. Mine has electric start, but I find it more trouble to drag out and plug in the extension cord than just pull the rope a couple times.

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