Search found 9310 matches

by cheese_breath
Mon May 25, 2020 4:10 pm
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 17
Views: 912

Re: Air conditioner stocks

If everybody stays home then those big office buildings won't need as much AC. They can consolidate on the lower floors and close off the higher ones. Which AC companies do you propose we dump?
by cheese_breath
Sun May 24, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

... I finalized my account as directed on www.epicard.com and directed it to transfer the full amount of the stimulus funds to one of my bank accounts. When I directed the account to transfer the total amount it failed and stated that the amount was not allowed. The piece of printed mail included i...
by cheese_breath
Sun May 24, 2020 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

If you filed married, jointly, do both people get a separately mailed card, or just the head of household? My spouse got this mailing, but is out of town, unreachable by phone, and I don't know if I should open it to see if my name is on the card also. DW's and mine were combined onto one card with...
by cheese_breath
Sat May 23, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

.... The piece of printed mail included information as well as the online info about a $1000 limit when using the debit card. So, I tried again using $1000 and it worked leaving a balance of the remainder. I immediately did another transfer for that balance which was less than $1000 and it worked. ...
by cheese_breath
Sat May 23, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

BTW, there's more on this on the Government stimulus payments thread starting at my May 21st post...

viewtopic.php?f=2&t=311519&p=5266195#p5266195
by cheese_breath
Sat May 23, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here??

when it comes to situations like this, google is your friend. So is Bogleheads👍 If we didn't run Google searches for people or do Vanguard technical support, we might get a little bored. What? How can you be bored with endless new threads here on "why international" or "is it a good idea to pay off...
by cheese_breath
Sat May 23, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

Even the federal government doesn’t use checks anymore. Many people in the US are bank-less and typically only use cash. Debit cards like this are something useful to them. For folks with checking accounts and credit cards, these debit cards don't make much sense. How the US Treasury decided who wo...
by cheese_breath
Sat May 23, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here??

Anyone get a card with the wrong last name? My last name is diff than my spouse's - but we've filed the last 20 years of tax returns using both our full names - never been an issue before. Never changed anything that would confuse IRS. Now this card arrived with his first name and my last name. Sho...
by cheese_breath
Fri May 22, 2020 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here??

It's legit, but the website isn't working very good yet. Got my pin and created an account on the website, but needed to verify my Email address to finish the creation. It's one of those things where they send you a code, and you type the code into a page on the website. Took me forever. By the time...
by cheese_breath
Fri May 22, 2020 11:32 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 81
Views: 3785

Re: Tips to stick to a weight loss diet?

Instead of snacking drink a glass of water.
by cheese_breath
Thu May 21, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: help me decide if i should use roth funds for grad school
Replies: 6
Views: 327

Re: help me decide if i should use roth funds for grad school

gthupman wrote:
Wed May 20, 2020 9:37 pm

Also, it should be mentioned that I have no children, no spouse, no other debt or obligations, and approx. 6000k$ in savings. Upon graduation, my expected and realistic income in my area is 100-130k.
I assume you mean $6,000 not $6,000K.
by cheese_breath
Thu May 21, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27145

Re: [Government stimulus payments]

Received mine and DW's payments today on a MetaBank Visa debit card. Both payments on the same card. I suspected SCAM at first, but after checking it out it appears to be legitimate. What made it even more suspicious was Get My Payment says our checks will be mailed tomorrow, and I received the card...
by cheese_breath
Wed May 20, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 297
Views: 16723

Re: [On-going Scams - Post them here]

Not sure if this scam has been posted as I didn't read every post, but a friend of mine met a woman online and got to chatting. After a few weeks, things got a little more intimate and he shared some intimate videos of himself with her. Imagine his surprise three months later when she starts asking...
by cheese_breath
Wed May 20, 2020 2:02 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 2038

Re: Individual stock for son's birthday

I was thinking of something "fun." My son already has a diversified ETF portfolio. Any ideas for individual stocks? Although I get your idea of giving your son something "fun" and I'm not saying you shouldn't to it, here's a true story: My Dad helped me invest the first $100 I earned from my paper ...
by cheese_breath
Tue May 19, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1831

Re: Financial Considerations: Marriage in your 50s/60s

Colorado13 wrote:
Tue May 19, 2020 9:50 am
... I am quite a bit more of a saver while SO is more of a spender. SO will earn more pension income than I will...
I hardly ever recommend this, but... keep your finances separate.
by cheese_breath
Tue May 19, 2020 1:37 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 2038

Re: Individual stock for son's birthday

Someone gave my son a share of stock in a company my son was familiar with and we ran into some inconvenience when it came time to sell it. Because of capital gains? Sounds like a good problem to have. Seems to me the best inconvenience would be if the stock had lost value or was worthless. That wo...
by cheese_breath
Tue May 19, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Does a Trust have to be registered in Texas?
Replies: 1
Views: 157

Re: Does a Trust have to be registered in Texas?

What kind of trust? According to this lawyer... "It is not necessary to register a living trust in any court or county in Texas."

https://texaswillsandtrustslaw.com/2011 ... -in-texas/
by cheese_breath
Tue May 19, 2020 12:57 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 2038

Re: Individual stock for son's birthday

Someone gave my son a share of stock in a company my son was familiar with and we ran into some inconvenience when it came time to sell it. Because of capital gains? Sounds like a good problem to have. Seems to me the best inconvenience would be if the stock had lost value or was worthless. That wo...
by cheese_breath
Tue May 19, 2020 12:36 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 2038

Re: Individual stock for son's birthday

retired@50 wrote:
Tue May 19, 2020 12:23 pm
How about a few shares of the Vanguard Total Stock Market ETF... VTI

Regards,
+1 Don't give him any ideas about investing in individual stocks. Those aren't good ideas. Train him in indexing.
by cheese_breath
Tue May 19, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Private Mortgage Insurance
Replies: 13
Views: 433

Re: Private Mortgage Insurance

So if my math is right... If he put 20% down, that would be approximately an additional $17,667 on the down payment. Instead, he wants to finance that $17,667 @ 3.499% plus an extra $28 per month.
by cheese_breath
Tue May 19, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: IRS Private Delivery Service Question
Replies: 3
Views: 304

Re: IRS Private Delivery Service Question

Why? If you send it by USPS certified mail you can track it online. And if you want you can also request a return receipt proving the return was delivered.
by cheese_breath
Tue May 19, 2020 10:30 am
Forum: Personal Investments
Topic: Advice on Mom's retirement accounts
Replies: 14
Views: 964

Re: Advice on Mom's retirement accounts

Did he also offer to handle it all for you? If he didn't he will, for a fee.
by cheese_breath
Mon May 18, 2020 3:38 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 32
Views: 2178

Re: Requesting advice: Ed Jones to Vanguard for folks in mid-90s

At their ages I'd leave things as they are for now. You don't want to risk making changes that might upset them. Plus you might be in the middle of the reorganization and find yourself without authority to complete it if they pass on first. But you can start familiarizing yourself with everything an...
by cheese_breath
Mon May 18, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2929

Re: Choices of and precautions at hotels in this summer

adamthesmythe wrote:
Mon May 18, 2020 11:16 am
... Definitely I will go with better chains. Certainly not a Motel 9...
Isn't a Motel 9 50% better that a Motel 6? Don't they leave two lights on for you? :P
by cheese_breath
Sun May 17, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Beach Vacation Suggestions
Replies: 31
Views: 2386

Re: Beach Vacation Suggestions

Look a little further up the coast, Wildwood - Cape May area.
by cheese_breath
Sun May 17, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrade of apt bldg during pandemic
Replies: 7
Views: 725

Re: Electrical upgrade of apt bldg during pandemic

Get second opinion from another electrician or maybe two who can actually inspect the situation.
by cheese_breath
Thu May 14, 2020 12:44 pm
Forum: Investing - Theory, News & General
Topic: "Expected Return" ?
Replies: 44
Views: 2637

Re: "Expected Return" ?

As we've witnessed again the past few months a lot of what goes on in the markets is based on emotions, not calculated expectations.
by cheese_breath
Wed May 13, 2020 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Problems applying for IRS Identity Protection PIN
Replies: 7
Views: 474

Re: Problems applying for IRS Identity Protection PIN

I have the same problem, but I just gave up after trying the different ways of entering it.
by cheese_breath
Tue May 12, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Salary ranges, grades, and layoffs
Replies: 11
Views: 2027

Re: Salary ranges, grades, and layoffs

Each department head is told to reduce workforce by 20%.
Each department head comes back with his/her list of people to let go. How the lists are developed is left to the individual department heads.
by cheese_breath
Tue May 12, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Scams that make me laugh -- what are you favorites?
Replies: 105
Views: 13866

Re: Scams that make me laugh -- what are you favorites?

That could be a big problem if they put up a spiked fence.
by cheese_breath
Tue May 12, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Scams that make me laugh -- what are you favorites?
Replies: 105
Views: 13866

Re: Scams that make me laugh -- what are you favorites?

Most recently I saw an ad where I could buy 1 sqft of land in Scotland for $49 and would now have the right to use Lord in my title. Even would get a certificate saying such. Not really a scam but incredibly over priced like a pet rock. That guy was brilliant. He was selling acres for over $2 milli...
by cheese_breath
Tue May 12, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5431
Views: 1349300

Re: What Movie Have You Recently Watched?

About Time A klutzy young man learns from his father that the men in his family can travel back in time. He uses this ability multiple times to "fix" things he has messed up.... If you haven't already seen it The Butterfly Effect with Ashton Kutcher is a very good movie about unintended consequence...
by cheese_breath
Tue May 12, 2020 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Equities and Pay off Mortgage or wait ?
Replies: 36
Views: 1793

Re: Sell Equities and Pay off Mortgage or wait ?

Nobody knows what the stock market is going to do between now and December 2021. Some people will tell you what they expect, but any opinion is at best is a coin flip. +1 What's the interest rate on your mortgage? While totally agree with JoMoney all I can say is I'd be more tempted to pay it off i...
by cheese_breath
Tue May 12, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Got divorced how to get most value for exes wedding ring
Replies: 42
Views: 5075

Re: Got divorced how to get most value for exes wedding ring

How did you get it from her? I would donate it to charity. Bad mojo to do anything else. I wonder if you could deduct the assessed value this way (that usually comes with the ring). AFAIK a 10k ring retail is probably worth 1k trying to sell, and might not even be easy to sell at that. 10k deductio...
by cheese_breath
Mon May 11, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Will Question
Replies: 3
Views: 383

Re: Will Question

Greetings Bogleheads! First off would like to say wife and I are set to hit the 50k in net worth mark by the end of the week.... market willing.... Huge thanks to Dave Ramsey for getting us out of debt and huge thanks to everyone on this forum that guided me to the boglehead way of investing! With ...
by cheese_breath
Mon May 11, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Got divorced how to get most value for exes wedding ring
Replies: 42
Views: 5075

Re: Got divorced how to get most value for exes wedding ring

nigel_ht wrote:
Mon May 11, 2020 12:08 pm
whodidntante wrote:
Sat May 09, 2020 11:32 pm
I suggest an epic hike to send it to the fire of Mount Doom in Mordor.
Eagles. Eagles solve all of our problems.
Or squirrels.
by cheese_breath
Mon May 11, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Got divorced how to get most value for exes wedding ring
Replies: 42
Views: 5075

Re: Got divorced how to get most value for exes wedding ring

How did you get it from her? I would donate it to charity. Bad mojo to do anything else. I wonder if you could deduct the assessed value this way (that usually comes with the ring). AFAIK a 10k ring retail is probably worth 1k trying to sell, and might not even be easy to sell at that. 10k deductio...
by cheese_breath
Mon May 11, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Scams that make me laugh -- what are you favorites?
Replies: 105
Views: 13866

Re:

The Goldman Sachs Nigerian email scam. http://blogs.wsj.com/deals/2011/01/05/you-decide-goldmans-facebook-pitch-or-nigerian-email-opportunity/ I got one of those last month. Recycled the letter, but love the Kenya stamp! Paul So the tip off that it was a scam was they're purported to be Nigerian, b...
by cheese_breath
Mon May 11, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Scams that make me laugh -- what are you favorites?
Replies: 105
Views: 13866

Re:

Buy a star, name a star, buy acreage on the moon. -Bill I've got not only a star named after my spouse, but he has acreage on both the moon and Mars. Not to mention the coffee mugs we bought as reminders. Great Christmas presents, I had the deeds framed. So far, not one word from our tenants. Lunar...
by cheese_breath
Mon May 11, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage lender asking for copy of parents trust
Replies: 12
Views: 791

Re: Mortgage lender asking for copy of parents trust

I haven't refinanced a home in decades, but assuming yours and wife's financial lives are completely separated from her parents' finances I don't understand the request either.
by cheese_breath
Mon May 11, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Unemployment Claim against my name
Replies: 7
Views: 1210

Re: Fraudulent Unemployment Claim against my name

... an unemployment claim was recently filed with the state using your name and Social Security Number (SSN) .... ..... Action taken so far: 1. Responded to my employer that I did not file any unemployment claim 2. Reported the Fraud with the state umemployment Fraud website ... If someone has your...
by cheese_breath
Mon May 11, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Funding a personal revocable living trust
Replies: 5
Views: 281

Re: Funding a personal revocable living trust

Go to another bank. I use my SS number on my revocable trust account with Ally Bank.
by cheese_breath
Sun May 10, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6582

Re: Has Your Spending Changed Since The Shutdown?

I'm spending $900 less per week because the caregiver I used to have come in to work with DW is locked out of the nursing home. Not the way I want to save money. :(
by cheese_breath
Sat May 09, 2020 11:03 pm
Forum: Personal Consumer Issues
Topic: Got divorced how to get most value for exes wedding ring
Replies: 42
Views: 5075

Re: Got divorced how to get most value for exes wedding ring

How did you get it from her? That's what I would like to know. Every divorced woman I know (including my ex) kept the ring. That was a good reminder for me to not buy an expensive one the second time around. I can't imagine her just giving it back I have visions of her throwing it in his face. Othe...
by cheese_breath
Sat May 09, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 2961

Re: IE, Chrome or Firefox, that is the question.

Originally I liked Firefox better because its user interface is similar to IE. But I had to learn Chrome when I got my first Chromebook, so I use it everywhere now for consistency.
by cheese_breath
Sat May 09, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Time Horizon
Replies: 8
Views: 567

Re: Time Horizon

... But what is one's time horizon when you're talking about paying for retirement? If you retire in 5 years but you expect to be retired for 25 years or whatever, is your "time horizon" 5 years, 30 years, or what? To me at least, that refers to when you've accumulated enough such that, based on as...
by cheese_breath
Sat May 09, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: Time Horizon
Replies: 8
Views: 567

Re: Time Horizon

To me at least, time horizon refers to when you will need the money. If you're planning to buy a car in two years, that's the time horizon for the money you intend for that purchase, or at least the down payment if you're financing it. Buying a new house in five years? That's the time horizon for th...
by cheese_breath
Fri May 08, 2020 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Transfer
Replies: 31
Views: 1105

Re: Trust Transfer

Just got a copy of the trust, going to read through it tomorrow. The issue is all about treating your kids differently, the value of the farm was going to make things equal amongst the 4 kids. Like I mentioned, it’s a long story. The sibling that passed away has a couple kids but after being suppor...