Search found 7251 matches

by cheese_breath
Tue Jan 16, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1427

Re: FlipPhone

Our main phone is a land line, but have an AT&T flip phone as backup. I don't know what the phone itself cost as it was a Christmas gift from granddaughter. She was afraid the car might break down somewhere in Bubba land on one of our trips between MI and TX and wanted for us to have a way to call f...
by cheese_breath
Tue Jan 16, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3089

Re: How long do you save tax returns?

When in doubt, throw it Out! We keep a couple years only. +1 Having had to go through a deceased relative's 40 years of paper work and determine what needed to be shredded and what needed to be kept, do your heirs a favor and clean up. It took WEEKS to shred everything and we still had three banker...
by cheese_breath
Sun Jan 14, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3745

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Flobes wrote:
Sun Jan 14, 2018 1:25 pm
Global100 wrote:
Sun Jan 14, 2018 11:28 am
What types of unexpected emergencies for individuals would require a larger amount of instant cash available immediately that cannot wait for a wire of funds or next business day transfer?
Funeral.
The funeral home took credit cards when my MIL died in 2016.
by cheese_breath
Sun Jan 14, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3089

Re: How long do you save tax returns?

Gill wrote:
Sun Jan 14, 2018 2:44 pm
... Have my returns back to the first one I filed in 1963...
Mine go back ro 1959. Anyone earlier, or do I win the contest? :happy
by cheese_breath
Sun Jan 14, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1220

Re: Replacement Suggestions For Microwave Oven

The Google Maps street view of our house shows the GE service truck in the driveway. :annoyed Street View of my house shows a pile of rubbish waiting for the rubbish pickup folk. Really, Google ought to give people some advance notice :-) Street view of my house is half blocked by a big tree. If th...
by cheese_breath
Sun Jan 14, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1220

Re: Replacement Suggestions For Microwave Oven

The Google Maps street view of our house shows the GE service truck in the driveway. :annoyed Street View of my house shows a pile of rubbish waiting for the rubbish pickup folk. Really, Google ought to give people some advance notice :-) Street view of my house is half blocked by a big tree. If th...
by cheese_breath
Fri Jan 12, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1220

Re: Replacement Suggestions For Microwave Oven

I’ve had a few microwaves over the years with lots of features like auto reheat and popcorn or pizza settings. I never used any of these. So when my last expensive microwave bit the dust I bought the cheapest thing I could find. $99 for an over the range microwave. Even had a turntable. It was not ...
by cheese_breath
Tue Jan 02, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: [How much should I give to charity?]
Replies: 17
Views: 1533

Re: Generosity

There once was a charity called the Community Chest many decades ago. Apparently it morphed into today's United Way. Anyhow they used "Give untill it hurts" as their slogan. Once as they were collecting in our elementary school one of the teachers said "Don't give untill it hurts. Give untill it fee...
by cheese_breath
Tue Jan 02, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5790

Re: Long Term House—Any Regrets on things you didn’t do?

I was too frugal and wouldn't pay the few extra bucks the builder wanted to install an outside electrical outlet at the front of the house. Now I have to run extension cords from the garage or out the front door to do anything there.
by cheese_breath
Mon Jan 01, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: No earned income, how do you pay tax for pensions, SS and RMDs
Replies: 43
Views: 3579

Re: Retirees: No earned income, how do you pay tax for pensions, SS and RMDs

All my income (pensions, SS, IRA withdrawals) goes into my checking account. From there some is used to pay living expenses, some goes into savings & investments, and some goes to pay quarterly estimated taxes. I don't have anything withdrawn from anything. It all goes into the checking account, and...
by cheese_breath
Mon Jan 01, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5717

Re: Keeping a checkbook register

scrabbler1 wrote:
Fri Dec 29, 2017 10:36 am
I keep a checkbook register but also have a spreadsheet which replicates the paper register and does a lot more than the register itself.
Ditto.
by cheese_breath
Mon Jan 01, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Are you generous? If so, why?
Replies: 7
Views: 1156

Re: Are you generous? If so, why?

I'm a lot more generous since three ghosts visited me one night.
by cheese_breath
Sun Dec 31, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 314
Views: 22625

Re: What frugal thing did you do today?

Ate leftovers.
by cheese_breath
Sun Dec 31, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: 2018 RMD - appropriate action or investment
Replies: 2
Views: 204

Re: 2018 RMD - appropriate action or investment

I can't answer your question, but I'll give you another one. Should you just withdraw it right now and invest it in taxable accounts? Even a basic FDIC insured savings account in many online banks will earn more than the Prime money market fund. Note: If you intend to do any QCDs during the year, re...
by cheese_breath
Fri Dec 29, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15609

Re: Do people still use AAA?

I just signed up for AAA Plus a few days ago, which included notary service, which is why we went there in the first place. Thought that was nice. Just as FYI in my area notary service is very easy to find. My local bank, local insurance agent, etc. all have registered notaries as a free community ...
by cheese_breath
Mon Dec 25, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Buy a home or invest at 5%
Replies: 26
Views: 1700

Re: Buy a home or invest at 5%

.....The decision of whether to buy a home or invest is mostly independent of a decision whether to invest at all. Do you want to own a home? Will you be able to afford the mortgage payments and the cost of maintenance? How long do you expect to stay in the home? (You lose about 10% to transaction ...
by cheese_breath
Mon Dec 25, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Saga of the travels of a US Postal Service Shipment
Replies: 9
Views: 1504

Re: Saga of the travels of a US Postal Service Shipment

Be thankful the tracking system is working. I've mailed important letters with certified mail where the tracking information stopped about halfway to the destination. Fortunately they all got where they were supposed to go, but you'd never know it from the tracking information.
by cheese_breath
Sun Dec 24, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15609

Re: Do people still use AAA?

My parents used to go to AAA to get the giant book of maps, and the "triptik" where the person would highlight the interstate routing etc, and all the "books" for each state with the hotels etc. That is all dinosaur stuff today when we carry smartphones. I have never, and will never, carry along a ...
by cheese_breath
Thu Dec 21, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4033

Re: Different ways to order coffee

Only two ways, drive through or at the counter.
by cheese_breath
Thu Dec 21, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48544

Re: Can I pre-pay 2018 mortgage and deduct interest on 2017 taxes?

I don't understand why you're so gung ho to pay interest early when you only get a portion of it refunded. How much depends on your tax bracket. If you have extra money put it toward paying down the principal where 100% of it reduces your outstanding balance.
by cheese_breath
Thu Dec 21, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do you include your house in your net worth if you own it outright?
Replies: 89
Views: 6435

Re: Do you include your house in your net worth if you own it outright?

I have read several articles and opinions on this through the years. Some say yes and others say no. Thoughts? I think you will get several opinions where some say yes and others say no. On Monday, Wednesday, and Friday...I include it. On Tuesday, Thursday, and Saturday...I don't. And you don't wor...
by cheese_breath
Tue Dec 19, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Any last minute shopping ideas for a spouse?
Replies: 22
Views: 2180

Re: Any last minute shopping ideas for a spouse?

Plane tickets and hotel reservations for two at a nice getaway location so she can use the nice luggage you will give her.
by cheese_breath
Tue Dec 19, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3006

Re: Hotel $50-500/night Expectations

For $50 I hope for a solid door with good locks and windows with iron bars.
by cheese_breath
Wed Dec 06, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: House Purchase question
Replies: 1
Views: 344

Re: House Purchase question

Put it in a different savings account with a better rate of return. For example, you could get an 18 month high yield CD paying 1.70% at Ally Bank right now.
by cheese_breath
Wed Dec 06, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15609

Re: Do people still use AAA?

I cancelled all my AAA insurances a couple years ago because they got too expensive, but I kept the membership for road service and the discounts. Any yes, I've called AAA to change tires. I'm too old to mess around with that.
by cheese_breath
Sat Dec 02, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10840

Re: Price of haircut?

pfrank wrote:
Sat Dec 02, 2017 7:42 am
Free. We have a Oster 76 ...
First thing I thought of when I saw this was a blender. :shock:
by cheese_breath
Fri Dec 01, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10840

Re: Price of haircut?

fishandgolf wrote:
Fri Dec 01, 2017 7:43 pm
No hair = no hair cut.............but I do pay $75.00 to have my grass cut :shock:
How much if you add shampoo and blow dry?
by cheese_breath
Fri Dec 01, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10840

Re: Price of haircut?

Before DW's stroke I was paying $14 plus $3 tip. Now that I'm having it done at her nursing home it's $19 plus $5 tip.
by cheese_breath
Fri Dec 01, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: How to track purchase/warranty information?
Replies: 9
Views: 604

Re: How to track purchase/warranty information?

Staple everything to the owner's manual and put it in the cabinet with all the other owners manuals. I don't need a complicated filing system for something I might access once or twice over the life of the item; just search through the cabinet for the one I want when I want it. If there's more than ...
by cheese_breath
Fri Dec 01, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing state tax payment & deduction in 2017
Replies: 13
Views: 1857

Re: Maximizing state tax payment & deduction in 2017

If I understand the question... Yes and No. Assuming you pay the total $120K in 2017, you deduct the $120K state tax payment on the 2017 federal return. But since you overpaid by $22K you'll get a $22K refund from the state when you file your 2017 state income tax return in 2018. You might be able t...
by cheese_breath
Thu Nov 30, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: Which of these investments would you have wanted to hold?
Replies: 6
Views: 699

Re: Which if these investments would you have wanted to hold?

Not enough data. I wouldn't base my investment decisions on a past performance chart, especially one whose last data point is almost nine years ago.
by cheese_breath
Wed Nov 29, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Random package from Amazon - early warning of identity theft?
Replies: 19
Views: 3072

Re: Random package from Amazon - early warning of identity theft?

Think I'll use Amazon to send some anonymous cheap chocolates to my SOB BIL. :twisted:
by cheese_breath
Tue Nov 28, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Dentist refusing to refer to specialist?
Replies: 19
Views: 2760

Re: Dentist refusing to refer to specialist?

... The dentist himself said they would cooperate if we found another specialist, which is the case here, but after three calls to their office, they refuse talking to the specialist simply saying they "don't do that." .... Who is "They"? Possibly one of the office staff? Phone them back and tell t...
by cheese_breath
Sun Nov 26, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9696

Re: What did you do right?

Invested 15% into TIAA-CREF from 1968-1976 directing as much as they would allow into CREF stock. Then ignored it until I retired in 1997.
by cheese_breath
Sun Nov 26, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2630

Re: Are there ant unspoken rules to "keep in touch" with previous boss?

I don't know what rules the ants might have, but it couldn't hurt to keep him in your informal network. From your OP I get the impression he thinks highly of you.
by cheese_breath
Sat Nov 25, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9460

Re: Regrets for taking SS at 62 or waiting?

No regrets. DW and I both took ours at 62 and used it for living expenses instead of pulling money from our investments during some of the worst times to do that. Our situation may have been similar. After retiring and living solely off of our investments for 8 years we decided to both take at 62 i...
by cheese_breath
Fri Nov 24, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12335

Re: Help DW gets fired, but then next day her boss offers her job back

2pedals wrote:
Fri Nov 24, 2017 6:17 pm
Payoffhouse wrote:
Fri Nov 24, 2017 6:11 pm
Boss explained to her that he can no longer afford her salary.
What about the salary for everybody else?
Payoffhouse wrote:
Tue Nov 21, 2017 9:14 pm
.... Taking a 25% pay cut would be inline what someone in her position makes....
Does this mean she's currently overpaid?
by cheese_breath
Thu Nov 23, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to negotiate a layoff?
Replies: 22
Views: 2384

Re: Is it possible to negotiate a layoff?

Why would someone with Bllionaire alias have trouble getting lid off? Just buy the company and lay yourself off.
by cheese_breath
Thu Nov 23, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 17963

Re: Chromebooks- What is the lure?

I great a great deal from Symantic last week. Renewed my Norton Security Premium subscription for my Windows machine for only $29.99.

Know how much security software for my Chromebooks costs???? ..... Zero.
by cheese_breath
Thu Nov 23, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9460

Re: Regrets for taking SS at 62 or waiting?

No regrets. DW and I both took ours at 62 and used it for living expenses instead of pulling money from our investments during some of the worst times to do that.
by cheese_breath
Tue Nov 21, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12335

Re: Help DW gets fired, but then next day her boss offers her job back

Take the job and immediately start looking for another one. And when she finds another one give her boss the same 2 day notice he gave her... just to rub his nose in it. :twisted:
by cheese_breath
Sun Nov 19, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Do you record customer service interactions?
Replies: 23
Views: 1279

Re: Do you record customer service interactions?

You betcha... Especially with Blue Cross and Comcast where I can bombard them with a litany of their screwups since the previous call.
by cheese_breath
Sun Nov 19, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Insurance claim - what is my obligation?
Replies: 11
Views: 1075

Re: Insurance claim - what is my obligation?

Several years ago a carpet we bought developed a flaw. It was replaced under warranty, and the dealer took the old one back to return to the carpet company in order to verify the claim. In your case it's a moving company, but they might need the old mattress to prove to the insurance company that th...
by cheese_breath
Wed Nov 15, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3882

Re: Chromebook vs Windows 10?

Chromebooks take a completely different approach. The "system" is the Internet. The apps are on the web and the storage is in the cloud. The system doesn't slow down, because all the crap you might "install" do not drag down the performance. Stuff doesn't stop working, because the "version" you run...
by cheese_breath
Tue Nov 14, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 20
Views: 2049

Re: Mozilla Firefox Donations?

orlandoman wrote:
Tue Nov 14, 2017 1:08 pm
Mozilla also has a free email client called Thunderbird, which I use. I replaced Microsoft Oulook, which is a paid product. It is an ad free software program and I made a donation to Mozilla.
I think a lot of us here use Thunderbird. I moved to it when MS dropped Outlook Express.