Search found 7169 matches

by cheese_breath
Sat Jun 03, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: What Will Home Care Cost?
Replies: 25
Views: 2397

Re: What Will Home Care Cost?

... I have dealt with nursing homes and assisted living situations and though they may try hard, the staff is always over-worked and situations go untended for longer than you like (this is being charitable :( ). If you can find the right assisted living facility, it might also work for you and cou...
by cheese_breath
Fri Jun 02, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: What Will Home Care Cost?
Replies: 25
Views: 2397

What Will Home Care Cost?

This is a companion post to my “Different Flavor Should I Time the Market” post. It isn’t intended as a medical post, but of necessity will contain medical information so responders will have adequate information to formulate their responses… DW, age 70. Massive stroke to left brain. ….. Paralyzed o...
by cheese_breath
Fri Jun 02, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Different Flavor Should I Time the Market
Replies: 7
Views: 700

Different Flavor Should I Time the Market

DW (age 70) had a massive stroke to the left brain last April 6th. Since then she’s been alternating between hospitals and the rehab facility, but the time is nearing when I will need to take on her long term care. We took a chance to go without long term care insurance when we were young and lost t...
by cheese_breath
Sat Apr 29, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Am I in Trouble [Assets in cash, help requested]
Replies: 17
Views: 2574

Re: Am I in Trouble

shaks24 wrote:...I know better than to time market but plowing in to socks ... now seems crazy

Buy shoes instead. :P
by cheese_breath
Fri Apr 28, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: A Morbid Subject
Replies: 20
Views: 2638

Re: A Morbid Subject

I suspect it depends on what he thinks is on the other side.
by cheese_breath
Wed Apr 05, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2233

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

random_walker_77 wrote:... . A decade ago, for an in-town move, there was a place that provided 2 guys and a moving truck...

Now TWO MEN AND A TRUCK operates in 42 states and has 350 locations worldwide.
https://twomenandatruck.com/about-us
There's even one about 3 miles from I live, right next to the U-Haul.
by cheese_breath
Wed Apr 05, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7080

Re: Secretly entered two comma club

Easy Rhino wrote:...But the "dos comas" still made me feel better, I think. But I can't volunteer this news to my wife, because she'll want to take it as carte blanche to spend a bunch of money. :beer :confused

Que lastima.
by cheese_breath
Wed Apr 05, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K or Traditional 401K?
Replies: 21
Views: 1026

Re: Roth 401K or Traditional 401K?

What is your tax bracket?
by cheese_breath
Tue Apr 04, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2233

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

PODS are still good. You just need some strong men at each end of the trip to pack and unpack them. Good job for the local high school football team to keep them at shape. At the other end, investigate services that hire out day laborers to do the job.
by cheese_breath
Tue Apr 04, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5935

Re: Early retirees - how did you inform your loved ones and friends?

Other than discussing it with DW first I didn't inform anybody. She blabbed it all over to everybody. I don't think there was any method to her madness. To modify this post... I did accept an ERO from EDS, and everybody there knew about it. They gave me the standard retirement dinner. It was OK, bu...
by cheese_breath
Tue Apr 04, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5935

Re: Early retirees - how did you inform your loved ones and friends?

Other than discussing it with DW first I didn't inform anybody. She blabbed it all over to everybody. I don't think there was any method to her madness.
by cheese_breath
Mon Apr 03, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Lending a scooter to a friend for 3 months
Replies: 19
Views: 1765

Re: Lending a scooter to a friend for 3 months

By DMV you mean Department of Motor Vehicles? I'm not a lawyer and and don't play one on TV, but this is a legal question and I doubt they have the authority to do that. The legislature makes the laws, and the police and courts enforce them. The DMV is an administrative department, and as far as I k...
by cheese_breath
Mon Apr 03, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6821

Re: Weird house buying experience

Based on what I've seen in this thread, I don't think so. I know you were speaking rhetorically, but you'd obviously be miserable in sales. and probably not very good at it, since sales depends first and foremost on relationahips, which he seems prepared to nuke out of the water over literally 0.1%...
by cheese_breath
Sun Apr 02, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6821

Re: Weird house buying experience

Man I should go into sales.... Based on what I've seen in this thread, I don't think so. I know you were speaking rhetorically, but you'd obviously be miserable in sales. and probably not very good at it, since sales depends first and foremost on relationahips, which he seems prepared to nuke out o...
by cheese_breath
Sun Apr 02, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6821

Re: Weird house buying experience

Why did you start this thread? Your OP said you were seeking advice from Internet strangers, but it appears you already have your mind made up. By my last count you've made eleven posts including the original, and six of them were arguing with advice you received.
by cheese_breath
Sun Apr 02, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6821

Re: Weird house buying experience

Have you ever built a house before? If your confidence in this builder is shaken because of a $100 disagreement just wait until you get into construction. Regardless of who you select to build your home there will be issues that come up during construction you and your builder will have to deal with...
by cheese_breath
Sun Apr 02, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Help me respond to an angry insurance agent!
Replies: 38
Views: 4434

Re: Help me respond to an angry insurance agent!

This is simply a matter of comparison shopping. We do it all the time... TVs, cars, insurance policies. Any agent who thinks he's guaranteed a sale before the contract is actually signed has another think coming.
by cheese_breath
Sat Apr 01, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 12417

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

It won't change a thing. The guy is trying to make a living. Most people have to. Just so happens he is in sales. Move on :happy +1 as always, Toons is right on the money! :beer Agree completely. Not everyone loves their job and for all you know this guy hates EJ and is a boglehead. I'd try to sell...
by cheese_breath
Sat Apr 01, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retired 5 to 10 years? How has this bull changed your spending?
Replies: 13
Views: 1570

Re: Retired 5 to 10 years? How has this bull changed your spending?

Chip wrote:I'm working hard to spend more. My wife is helping. :D ....

Be careful not to get overconfident. I retired 20 years ago during the last bull market. Fortunately it didn't change my spending because remember what began in 2000.
by cheese_breath
Fri Mar 31, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 12417

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

afan wrote:...Of course, EJ could CALL their salespeople financial analysts to try to obfuscate what they really do...

Yup. Just like half the people in the banks are vice presidents.
by cheese_breath
Fri Mar 31, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Get a 0% loan just to keep credit score high?
Replies: 31
Views: 1946

Re: Get a 0% loan just to keep credit score high?

I haven't had a mortgage or auto finance loan in over twenty years (bought current residence and all autos with cash). I haven't had a balance on a credit card since Lincoln was president. My FICO score is 813. +1 Last auto loan I had was 1989, and I paid it off in a few months. Since then all I do...
by cheese_breath
Thu Mar 30, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: August Vacation With Kids
Replies: 31
Views: 2476

Re: August Vacation With Kids

If you're planning the vacation for the kids then a kiddy amusement park like Disney or the beach would be fine. If you're planning it for yourselves and dragging the kids along, then leave them with the grandparents and go off on another international trip or whatever suits your adult desires.
by cheese_breath
Thu Mar 30, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 3422

Re: House buying- How to think about property taxes?

Certainly you can draw a line in the sand. Just buy a less expensive house with lower taxes. You can't dine at the Ritz and expect to pay McDonalds prices.
by cheese_breath
Thu Mar 30, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Glucosamine for joint pain?
Replies: 8
Views: 716

Re: Glucosamine for joint pain?

DW swears by it.
by cheese_breath
Thu Mar 30, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting vs Tracking Expenses?
Replies: 42
Views: 3659

Re: Budgeting vs Tracking Expenses?

If you need to spend more than planned one month, then cut back the next month to compensate. If there's absolutely no place you can cut back (highly doubtful), then increase your income.
by cheese_breath
Wed Mar 29, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11675

Re: When do you plan to die?

It's really when I plan for DW to die. She's younger than me, and I'm planning for her to be around until age 90. (I hope to be here too.) She's currently 70, and I'm 76. Our assets are still increasing right now, but I project they will begin declining around 2023 and hopefully will last longer tha...
by cheese_breath
Wed Mar 29, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4669

Re: What's your personal criteria for deciding whether or not to rent a car?

FYI: We will rent the car for $80 to take the 7 hour trip next week. My wife and I will be the only ones going, so we will do the same thing we did last time and get a compact. Could you explain the rationale you used? You didn't say how many miles the 7 hour road trip will be. I'm going to guess a...
by cheese_breath
Wed Mar 29, 2017 12:26 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 5099

Re: anyone factor in future inheritance?

Rupert wrote:... new spouse with expensive tastes...

Gramps wanting one last bit of whoopie before he goes marries 23 yo mail order bride and leaves her everything.
by cheese_breath
Wed Mar 29, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 5099

Re: anyone factor in future inheritance?

bertilak wrote:As the saying goes, "Don't count your chickens..."

The rest is left as an exercise for the reader. :happy

Possible answer: "... before they cross the road!

Until they're in the pot? Preferably a chicken in every pot. :D
by cheese_breath
Wed Mar 29, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 5099

Re: anyone factor in future inheritance?

It's been discussed before, but quite awhile ago. IMO you can never be safe assuming an inheritance until it's legally yours.
by cheese_breath
Wed Mar 29, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Dividends from index funds?
Replies: 4
Views: 895

Re: Dividends from index funds?

rkhusky wrote:Expenses are paid from some source, so if the fund has no loads or other external fees, then they come from dividends and cap gains.

Aren't the expenses deducted from the fund's assets? Even if a fund has no dividends or cap gains it still has expenses.
by cheese_breath
Wed Mar 29, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4669

Re: What's your personal criteria for deciding whether or not to rent a car?

With only one exception I've never rented a car for personal use. That one time was a vacation trip where we drove to New Orleans taking in other sites along the way, and returned home by plane.
by cheese_breath
Tue Mar 28, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3542

Re: RMD in 2018

Take all of the RMD immediately except the part of the RMD I will donate to charity . That part went into a MM fund to be doled out as QCDs over the course of the year. I'd rather spread the QCDs over the entire year rather than have the charity receiving it all at once. Saving it in the MM fund pr...
by cheese_breath
Tue Mar 28, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3542

Re: RMD in 2018

I agree with cheese breath & will take RMDs the first business day of the January, then take additional distributions as needed. Actually I need to modify what I wrote on this one. That was before I became aware of QCDs. I modified my behavior a little after that. I'd move whatever I planned to...
by cheese_breath
Tue Mar 28, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 12417

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

This "problem" can be solved with a simple "No, thank you." as the door is being closed. Or the same response as you hang up the phone.... I did get a visit from one a couple years ago. I saw his nice EJ folder, and before he got a word out of his mouth I told him I do all my in...
by cheese_breath
Tue Mar 28, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Small tax error
Replies: 11
Views: 825

Re: Small tax error

...In the absence of an SSA-1099 from Social Security, we filed our MFJ tax return using a benefit amount for DW based on verbal information from SS on the size of her benefit... Hints for next time?? Rather than relying on verbal information she should have been able to print a SSA-1099 from the s...
by cheese_breath
Tue Mar 28, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Small tax error
Replies: 11
Views: 825

Re: Small tax error

...In the absence of an SSA-1099 from Social Security, we filed our MFJ tax return using a benefit amount for DW based on verbal information from SS on the size of her benefit... Hints for next time?? Rather than relying on verbal information she should have been able to print a SSA-1099 from the s...
by cheese_breath
Tue Mar 28, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3542

Re: RMD in 2018

I agree with cheese breath & will take RMDs the first business day of the January, then take additional distributions as needed. Actually I need to modify what I wrote on this one. That was before I became aware of QCDs. I modified my behavior a little after that. I'd move whatever I planned to...
by cheese_breath
Tue Mar 28, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 12417

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I am no fan of EJ or any other high cost provider, but I see a lot of hate directed at them here. Folks should remember that not everyone is as informed or steady as the boglehead community. My father in law is a great example. He could never put back a penny. It was just impossible for him to have...
by cheese_breath
Mon Mar 27, 2017 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 12417

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I didn't realize EJ does door to door solicitation... In both cases, the sales reps that visited me had just lost their previous jobs and were doing the EJ thing to put food on the table. They had absolutely no financial advising experience whatsoever. Write him a vacuum salesman came by just befor...
by cheese_breath
Mon Mar 27, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6901

Re: Weathering sell-off days like today

IMHO funds are like fruit trees and the portfolio is an orchard of diverse fruit bearing trees. I matters not what the current price of fruit trees is. What matters is that the diverse trees in my orchard continue to bear fruit and accept that sometime they will bear more fruit than at other times....
by cheese_breath
Mon Mar 27, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6901

Re: Weathering sell-off days like today

I remind myself of the good old days of October 1987. We didn't have internet then - we had to listen to the panic in the voices of the talking heads on the wireless and watch for falling stock investors when walking in the financial district. I will always remember Black Monday. For better or wors...
by cheese_breath
Mon Mar 27, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6901

Re: Weathering sell-off days like today

The day's not even half over yet. What if you sell at 11:00 and it recovers before 4:00?
by cheese_breath
Mon Mar 27, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6901

Re: Weathering sell-off days like today

What are the odds you'll know when to get back in if you bail out today?
by cheese_breath
Sun Mar 26, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3542

Re: RMD in 2018

1. Reinvest it to keep your AA in balance. 2. Your choice. You specify what you want when you set up the withdrawal. 3. No. When I was taking RMDs out of my Vanguard TSM I took the RMD on Jan 2 and immediately reinvested it back into taxable TSM. Now that I'm taking it out of my TIAA Traditional I'm...
by cheese_breath
Sun Mar 26, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7672

Re: Massive Student Loan Debt - Girlfriend

I see a whole field of red flags. Even if you aren't actually committed to each other yet it's never too soon to begin tactfully bring up discussions about finances. If she expects her future hubby to pay, or even chip in on paying her debt you should know now before it gets more serious.
by cheese_breath
Sun Mar 26, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2859

Re: Administration of relative's estate

...I was able to find a certificate of sale for the apt. online: it lists the bank as plaintiff vs. "the unknown heirs, beneficiaries, ..., and all others who may claim an interest in the estate of --- " as defendants.... Just wondering here, but is it possible the mortgage holder could g...
by cheese_breath
Sat Mar 25, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: Does your asset allocation derate tax-deferred holdings to account for future tax liability?
Replies: 163
Views: 8119

Re: Does your asset allocation derate tax-deferred holdings to account for future tax liability?

In addition to my previous comment I might add, I also intentionally over-estimate my effective tax rate a few points to provide some additional contingency in my projections.
by cheese_breath
Sat Mar 25, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: Does your asset allocation derate tax-deferred holdings to account for future tax liability?
Replies: 163
Views: 8119

Re: Does your asset allocation derate tax-deferred holdings to account for future tax liability?

I suppose you could say I do the opposite. I treat everything as though it will be taxed, including my Roths. That provides a little extra slop/contingency in my projections to protect against unforeseen expenses.

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