Search found 8071 matches

by cheese_breath
Sun Jan 13, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1859

Re: ROI calc on grocery expenses

Broken Man 1999 wrote:
Sun Jan 13, 2019 10:03 am
....Horrible confession: I prefer the mac&cheese that has the dry "cheese" (or whatever the heck it really is) in a packet, with the straight pasta....
I grew up before the boxes with the pasta and cheese powder. We got ours from a can. I think the cheese powder version is much better.
by cheese_breath
Sat Jan 12, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1859

Re: ROI calc on grocery expenses

20 years is a long time to keep something without some kind of damage. Do you need to insure it?
by cheese_breath
Sat Jan 12, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1859

Re: ROI calc on grocery expenses

Is this name brand or Kirkland?
by cheese_breath
Sat Jan 12, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5006

Re: Diagnosing Knee Problems over the Phone - Medicare

This is why Medicare is called an "entitlement". Only certain people call Medicare an entitlement, the ones who like to ignore the fact that people have been taxed for it all their working lives. Not every taxpayer pays enough to cover their healthcare consumption.... That's the same with any type ...
by cheese_breath
Sat Jan 12, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Career counseling
Replies: 5
Views: 552

Re: Career counseling

Tell us more, and I guarantee you'll get lots of career counseling right here. And it's free.
by cheese_breath
Sat Jan 12, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5006

Re: Diagnosing Knee Problems over the Phone - Medicare

This is why Medicare is called an "entitlement". Only certain people call Medicare an entitlement, the ones who like to ignore the fact that people have been taxed for it all their working lives. Not every taxpayer pays enough to cover their healthcare consumption.... That's the same with any type ...
by cheese_breath
Fri Jan 11, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2287

Re: How do you manage credit card use with monthly budget

schutzk21 wrote:
Fri Jan 11, 2019 2:38 pm
....Is there a certain threshold in your checking account that you don't like to be below?
I like to keep mine above 3 digits, just in case I overlooked something such as an autaomatic withdrawal that only happens quarterly or semi-annually.
by cheese_breath
Fri Jan 11, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5006

Re: Diagnosing Knee Problems over the Phone - Medicare

I had a knee issue way back in '97 or '98 and didn't have any problem getting in to see a specialist while on Medicare. It also depends on how long the doc has been practicing, i.e., where they are in the growth curve of their practice. A younger guy/gal starting out is more likely to take all come...
by cheese_breath
Fri Jan 11, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5006

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by cheese_breath
Fri Jan 11, 2019 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 162
Views: 10306

Re: Biggest Investment Mistake

Held onto too much of employer's stock too long.
by cheese_breath
Thu Jan 10, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 25
Views: 2018

Re: Discounted Postage Stamps

What do you all think is a good discounted price to pay for non-forever postage stamps? A neighbor has 200 various postage stamps ranging in denominations from 22c to 44c that he is willing to sell for 60% of FV (which is 40% off). A family member told me that deal is like free money because buying...
by cheese_breath
Thu Jan 10, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2287

Re: How do you manage credit card use with monthly budget

Mine is a simplistic method and won't work if you want to track when you committed to spend something, but I just count the credit card spending in the month I pay the bill. So it's actually a month behind, but that's OK with me.
by cheese_breath
Thu Jan 10, 2019 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed for a young person
Replies: 6
Views: 410

Re: Advice needed for a young person

Will he be willing to read any books that conflict with his preconceptions?
by cheese_breath
Thu Jan 10, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5006

Re: Diagnosing Knee Problems over the Phone - Medicare

I guess times have changed. I had a knee issue way back in '97 or '98 and didn't have any problem getting in to see a specialist while on Medicare.
by cheese_breath
Wed Jan 09, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Another Generic Medicare / Social Security Question Part 2
Replies: 11
Views: 839

Re: Another Generic Medicare / Social Security Question Part 2

Cheese and DM thanks. We called Kaiser after the previous post and replies part 1. We were in fact double paying for Kaiser Senior Advantage. I was paying with bill pay. Soc Sec was deducting it from her benefits. From the phone call, I feel 100% Kaiser rep and wife and I were on the same page. Tha...
by cheese_breath
Wed Jan 09, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Another Generic Medicare / Social Security Question Part 2
Replies: 11
Views: 839

Re: Another Generic Medicare / Social Security Question Part 2

Here’s another nuance to chew on.
… Nine months of her Medicare Advantage plan @ $25 per month = $225.
… Refund check from Kaiser = $225.

If I were you I’d get on the phone and verify Kaiser didn’t cancel her Medicare Advantage plan.
by cheese_breath
Wed Jan 09, 2019 3:29 pm
Forum: Investing - Theory, News & General
Topic: Why did RAD stock fall so much?
Replies: 15
Views: 920

Re: Why did RAD stock fall so much?

Don't invest in individual stocks. You might want to read this before posting more questions https://www.bogleheads.org/wiki/Getting_started Welcome to Bogleheads! Im asking out of curiosity, not as advice to invest in their stock. How did you even know what happened to RAD? Why were you tracking t...
by cheese_breath
Wed Jan 09, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Why did RAD stock fall so much?
Replies: 15
Views: 920

Re: Why did RAD stock fall so much?

I consider both CVS and Walgreens better places to shop then Rite Aid for my prescriptions and medical supplies. If others feel the same way that could contribute to its stock price slide.
by cheese_breath
Wed Jan 09, 2019 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Another Generic Medicare / Social Security Question Part 2
Replies: 11
Views: 839

Re: Another Generic Medicare / Social Security Question Part 2

And another thought just came to me. When you talked to Kaiser before did you verify THEY had your wife in two plans? Is it possible she is enrolled in a Part D plan with a different company? Look at the MyMedicare.gov ( site https://www.mymedicare.gov/ ). If it's up to date I believe it should show...
by cheese_breath
Wed Jan 09, 2019 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Another Generic Medicare / Social Security Question Part 2
Replies: 11
Views: 839

Re: Another Generic Medicare / Social Security Question Part 2

OH MY GOSH!!! I just thought of something.... $225 (the amount of your refund) is evenly divisible by $25 (the premium for your Advantage plan). Call Kaiser right away and make sure they didn't cancel the wrong plan.
by cheese_breath
Wed Jan 09, 2019 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Another Generic Medicare / Social Security Question Part 2
Replies: 11
Views: 839

Re: Another Generic Medicare / Social Security Question Part 2

You’re referring to the 2018 SSA-1099 I assume Net benefits $15,312… You’ll need to tell us if this is correct Medicare Part B deduction $1,206… Probably OK, but this is dependent on two variables. We know she wasn’t enrolled for the entire year. How many payments did she receive in 2018? For a new ...
by cheese_breath
Tue Jan 08, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 4865

Re: Social Security question hindsight

Without trying to generalize my specific experience, all I can say is I'm happy DW and I both took ours at 62. I took mine in early 2003 right after a big market decline. Because of the extra income from SS I didn't have to withdraw anything from my investments for living expenses and was able to fu...
by cheese_breath
Mon Jan 07, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: $100 Christmas gift
Replies: 14
Views: 1732

Re: $100 Christmas gift

If your friend had given you hockey skates instead of $100 would you be asking if you should get a refund? Just consider yourself as a guy who bought hockey skates for your friend so he could give them to you.
by cheese_breath
Sun Jan 06, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to set up an irrevocable trust?
Replies: 7
Views: 490

Re: Cheapest way to set up an irrevocable trust?

I don't think you want the management company to be the beneficiary. Maybe the trustee though.
by cheese_breath
Sun Jan 06, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 69
Views: 5051

Re: Strategies to combat or justify lifestyle creep

You don't need a strategy, just use your common sense.
by cheese_breath
Sun Jan 06, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5891

Re: How do you view a savings surplus in retirement?

I'd view it as a contingency fund to protect against unexpected expenses.
by cheese_breath
Sun Jan 06, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a co-op buyer!
Replies: 11
Views: 1186

Re: Help me choose a co-op buyer!

Can you submit both to the board and get their choice before you decide?
by cheese_breath
Sun Jan 06, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Clark Howard looks at new 1040 tax form for 2018
Replies: 28
Views: 3752

Re: Draft 8606 for 2018 taxes

Turbo29 wrote:
Sun Jan 06, 2019 8:26 pm
cheese_breath wrote:
Sun Jan 06, 2019 8:16 pm

Timex and IBM/360 take a lickin and keep on ticken.
https://youtu.be/_NHq3Yze6s0
I remember that commercial well.
by cheese_breath
Sun Jan 06, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Clark Howard looks at new 1040 tax form for 2018
Replies: 28
Views: 3752

Re: Draft 8606 for 2018 taxes

...I hate to mention it for those who suffered angst last year, but there doesn’t appear to be a Form 8606... And the IRS is one of the agencies affected by the shutdown. I've read that if you use home tax-prep software to file, it won't really be filed--the tax prep company will just hold your fil...
by cheese_breath
Sun Jan 06, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6580

Re: USPS price increase on 1/27/19

For folks that think this is a huge money saver - what is it that you are mailing? Even if you are still sending Christmas cards and Thank-you notes via snail mail that shouldn't be very often. If you still mailing bills via snail-mail you shouldn't be. It is less secure and costing you money. We s...
by cheese_breath
Sun Jan 06, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2309

Re: best cheap printer

The only problem I've had with inkjets, other than the price of the ink was the ink absorbers filling up. Before her stroke DW printed almost everything she saw on the Internet, and I went through two printers that way. But the printers are cheap compared to the cost of the ink.
by cheese_breath
Sat Jan 05, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: Used car purchase
Replies: 9
Views: 792

Re: Used car purchase

You know, of course GM is killing the Volt in March.
by cheese_breath
Sat Jan 05, 2019 11:29 am
Forum: Forum Issues and Administration
Topic: How do I make a avatar
Replies: 5
Views: 668

Re: How do I make a avatar

I see from your OP you've figured it out. Good choice. He was a great man.
by cheese_breath
Sat Jan 05, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6580

Re: USPS price increase on 1/27/19

OH MY GOSH!!! :shock: :shock: :shock: WHAT AM I GONNA DO??? First Starbucks and now USPS. :( :( :(
by cheese_breath
Fri Jan 04, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4429

Re: Retirees: any major goals for 2019?

Ring in 2020.
by cheese_breath
Thu Jan 03, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2309

Re: best cheap printer

https://www.walmart.com/ip/Canon-PIXMA-MG2522-All-in-One-Inkjet-Printer/108208974 :happy Be aware the 2522 is USB connection only, no wireless. https://www.consumerreports.org/products/all-in-one-printer/canon-pixma-mg2522-387990/overview/ I made the mistake of buying a 2520 because it was cheap, a...
by cheese_breath
Tue Jan 01, 2019 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do?
Replies: 11
Views: 1333

Re: What would you do?

Ally 2 year Raise Your Rate CD is currently paying 2.6%.

https://www.ally.com/bank/raise-your-rate-cd/
by cheese_breath
Tue Jan 01, 2019 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Orphaned Roth IRA
Replies: 19
Views: 1354

Re: Orphaned Roth IRA

If you found a savings account that you forgot about with $35K balance, what would do with it? I guess we just aren't understanding each other. Thanks for the input, everyone. How's this for understanding? You found some new money that happens to be in a Roth IRA that you won't be contributing to a...
by cheese_breath
Tue Jan 01, 2019 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Orphaned Roth IRA
Replies: 19
Views: 1354

Re: Orphaned Roth IRA

If you found a savings account that you forgot about with $35K balance, what would do with it?
by cheese_breath
Tue Jan 01, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2493

Re: Snow Plowing

Until we came to TX from MI a few months ago I did it all myself... snow blowing, lawn cutine, basic landscaping.
.
by cheese_breath
Tue Jan 01, 2019 8:54 am
Forum: Investing - Help with Personal Investments
Topic: annuity payout
Replies: 5
Views: 649

Re: annuity payout

Just ask HR the same questions you asked in your OP.
by cheese_breath
Mon Dec 31, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Low maintenance yard - new home and HOA
Replies: 27
Views: 2145

Re: Low maintenance yard - new home and HOA

Rocks and artificial turf.
by cheese_breath
Mon Dec 31, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax: Deluxe or Premier?
Replies: 8
Views: 798

Re: TurboTax: Deluxe or Premier?

xerxes101 wrote:
Mon Dec 31, 2018 11:04 am
I do not trust TT right now because I think they are intentionally making everything very confusing....
If you don't trust TT because of this why do you trust them with something as important as your tax return? Switch to different program.
by cheese_breath
Mon Dec 31, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: What are the issues with "odd tax lots" & cost basis tracking when auto-reinvesting dividends?
Replies: 2
Views: 187

Re: What are the issues with "odd tax lots" & cost basis tracking when auto-reinvesting dividends?

To me the biggest issue is keeping track of all the little lots created by by reinvesting. Yes I know the broker or custodian is supposed to do that for you, but I don't trust them to always do it right. I'd rather keep my own records so I can verify theirs.

And yes, this applies to mutual funds.
by cheese_breath
Sun Dec 30, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8930

Re: How to afford a sports car?

The year is 2030. Two college students are strolling the campus late at night… She: Who owns that ratty old beat up sports car in the parking lot? He: Some 35 year old fossil. He’s taking courses at night to earn his degree. She: What does he do in the daytime? He: He works twelve hour shifts six da...
by cheese_breath
Sun Dec 30, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8930

Re: How to afford a sports car?

You are 24 and want to have your cake and eat it too. You want to be the fly guy with a nice car. Maybe get the girls with it. Throw the nice car fact out in conversation. Be one up on your friends driving their poor cars. SHOW your succes. Don't try to be Mr Big. A car is the easiest way to do tha...
by cheese_breath
Sun Dec 30, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8930

Re: How to afford a sports car?

Why do you need a sports car? Closest thing to a sports car I ever had was a Camaro. I was in my late 30's then, and I survived. When you get to the point you can afford a sports car you won't need to ask how.
by cheese_breath
Sat Dec 29, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Social Security question.....
Replies: 12
Views: 729

Re: Spousal Social Security question.....

She will be able to draw SS based on your work record when she turns 62. Whether she should, or whether she should wait would require more information than you've given us.