Search found 7705 matches

by cheese_breath
Thu Sep 20, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 15
Views: 874

Re: Simple-minded sayings?

Money is fungible.
by cheese_breath
Wed Sep 19, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 41
Views: 2080

Re: Moving to Dallas, how to establish residency

https://txdmv.gov/motorists/new-to-texas Update car insurance In Texas, you must show you have insurance coverage for a minimum of $30,000 per injured person, up to a total of $60,000 for everyone injured in an accident, and $25,000 for property damage Have vehicle inspected Bring your insurance car...
by cheese_breath
Wed Sep 19, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Social Security vs. pre-tax savings
Replies: 6
Views: 561

Re: Social Security vs. pre-tax savings

"Deferred compensation shouldn't affect Social Security benefits."

https://finance.zacks.com/deferred-comp ... 11598.html
by cheese_breath
Mon Sep 17, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Gas leak detector?
Replies: 21
Views: 1078

Re: Gas leak detector?

Canaries. :D
by cheese_breath
Sun Sep 16, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance asking to repay for services not provided
Replies: 20
Views: 2198

Re: Insurance asking to repay for services not provided

I am sorry I might not have been very clear. The dentist charged me $450 for the services that they did not provide and the insurance about $630. The dentist has repaid to me the $450 that I paid them, but has not paid the $630 to the insurance company. The dentist keeps telling me they will pay th...
by cheese_breath
Sun Sep 16, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does cash at Ally count in my asset allocation?
Replies: 22
Views: 1853

Re: Does cash at Ally count in my asset allocation?

If it's not your emergency fund I'd consider it part of your AA fixed assets.
by cheese_breath
Fri Sep 14, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs EJ
Replies: 16
Views: 970

Re: 3 fund vs EJ

Find out the front end loads and fees EJ is charging. They're not very transparent. http://kronstantinople.blogspot.com/p/edward-jones-saga.html Well he is not with EJ anymore so he is not paying any of the advisor fees. He will still pay a front end load but that doesn't seem to phase him as much ...
by cheese_breath
Fri Sep 14, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3337

Re: Buying a house 1 mile away from a municipal landfill

Can someone enlighten me because the last time I bought a house was in 1980. I don't remember home inspections being required then, so maybe this is a stupid question. But aren't inspections about the house? What inspection clause allows someone to back out of the deal because there's a landfill a m...
by cheese_breath
Thu Sep 13, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Compact Discs Cosmetic Defect?
Replies: 3
Views: 299

Re: Compact Discs Cosmetic Defect?

I purchased a two cd set that was advertised in very good condition and links below show photos of what I received. They play perfectly with no skips. I'm wondering if this is manufacturing error, cosmetic defect or do certain cd manufacturing companies' coatings have this pattern? http://tinypic.c...
by cheese_breath
Thu Sep 13, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3337

Re: Buying a house 1 mile away from a municipal landfill

sc9182 wrote:
Thu Sep 13, 2018 9:21 pm
If you work at/near the dump, your home location may be golden. The short commute, minimal odor compared to work. ...
Even better, get a job at the dump.
by cheese_breath
Thu Sep 13, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons
Replies: 21
Views: 1382

Re: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons

Isn’t residency training super rigorous? How would you find time to run subs much less swing your own hammer. +1 Even if you have X hours per week to to work on the house then will likely be at the wrong time since a contractor might need to meet you at 10:00 AM on Tuesday when you have other commi...
by cheese_breath
Thu Sep 13, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3136

Re: How to help teenager fix silly mistakes in math?

Have you ever considered the possibility that she may have dyslexia. The reason I say this is because I am dyslexic, and I see what appears to be symptoms of dyslexia in your daughter. Edited to add: I experienced most everything you described about your daughter. Even this, " I see the occasional ...
by cheese_breath
Thu Sep 13, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional to Roth conversion
Replies: 9
Views: 696

Re: Traditional to Roth conversion

slow n steady wrote:
Thu Sep 13, 2018 2:54 pm
I thought we weren’t able to recharacterize anymore.
Have to take your word for it. I didn't know that.
by cheese_breath
Thu Sep 13, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional to Roth conversion
Replies: 9
Views: 696

Re: Traditional to Roth conversion

Open a new Roth in case you want to recharacterize later. You can combine both Roths into one after the recharacterization period has passed.
by cheese_breath
Thu Sep 13, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2786

Re: Toilet Makes A Flushing Sound Occasionally

Mine makes this sound every time I push the little lever. ... Sorry. Couldn't resist. Thanks for the giggle, Bryanm! That was my first thought too when I saw the thread title, but didn't have the guts to say so. OP, I'm no pro so I defer to others, but I'm guessing it's a simple flapper issue as ot...
by cheese_breath
Wed Sep 12, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2786

Re: Toilet Makes A Flushing Sound Occasionally

Another possibility is the chain attached to the flapper might have a kink in it stopping it from closing completely.
by cheese_breath
Wed Sep 12, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3337

Re: Buying a house 1 mile away from a municipal landfill

I used to live about a mile from a landfill and never experienced any problems from it. But I was there before the land became a landfill. I wouldn't intentionally buy that close to one.
by cheese_breath
Wed Sep 12, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Roth @ a Financial Advisor
Replies: 33
Views: 1732

Re: Wife's Roth @ a Financial Advisor

bigdawgwill44 wrote:
Wed Sep 12, 2018 4:54 pm
...She is skeptical moving from this guy (who she has never met) because the account seems to have done well....
Compared to what? The whole stock market's done well for the past few years. What's she measuring her Roth's increase against?
by cheese_breath
Tue Sep 11, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5662

Re: Using your home as old age care self-insurance?

snipped ... Have you ever spent time in a nursing home? Yes I agree with financial sense. I have DW there right now because I can't afford better. But 24/7 professional help and personal sense? Yes, you get a bed and three meals per day if you can stomach the same menu week after week. DW has been ...
by cheese_breath
Mon Sep 10, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6659

Re: I think my father has a gambling problem

sawhorse wrote:
Sun Sep 09, 2018 1:43 pm
He said he does it for fun and isn't addicted. He said he doesn't have an addictive personality as he's never been addicted to anything in his life, which is true.
Addictive personality means nothing. Different people have different addictions. I think he has a problem too.
by cheese_breath
Mon Sep 10, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Between these two index funds - which one is best?
Replies: 9
Views: 1279

Re: Between these two index funds - which one is best?

On a scale of 1-100 I'd give S&P 98 and TSM 99 just because TSM is a teeny weeny bit more diversified. IMO the difference in returns is negligible. I've had both in my portfolio, switching between the two when tax loss harvesting.
by cheese_breath
Mon Sep 10, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5662

Re: Using your home as old age care self-insurance?

Well, how about paying for home health? In 1) works okay to a point, until you realize that you have the option of either 24x7 help (well over 100k a year) or maybe just 8 or 16 hours of help per day, but well, you never sleep because the person needing help wanders (at night .... at random times ....
by cheese_breath
Sun Sep 09, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5662

Re: Using your home as old age care self-insurance?

Well, how about paying for home health? In 1) works okay to a point, until you realize that you have the option of either 24x7 help (well over 100k a year) or maybe just 8 or 16 hours of help per day, but well, you never sleep because the person needing help wanders (at night .... at random times ....
by cheese_breath
Fri Sep 07, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2571

Re: How do you handle Healthcare costs in retirement

I'm curious on how others on this board are handling healthcare costs in retirement. Specifically two questions; (1) For those on Medicare, do you find you need supplemental insurance and is it expensive ? (2) For those retiring earlier than 65 , not on medicare but possibly enrolling in ACA, do yo...
by cheese_breath
Fri Sep 07, 2018 3:16 am
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2437

Re: Certified Pre-Owned Cars (CPO): Is this normal?

It is false advertising. It probably was a certified car -- they just made you pay for it twice. "Rusty Jones" all over again. You want the "out-the-door price" when negotiating; everything else is fiction. I would have made a stink and, rather than walk away, would have insisted that they honor th...
by cheese_breath
Fri Sep 07, 2018 3:08 am
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5662

Re: Using your home as old age care self-insurance?

I'm planning to sell the house if I go into care. If I go into care, I'll obviously be too infirm to maintain a house when I get out. So the house should go, even if I have loads of other assets I could use. I hope you've given someone your POA so they can do it for you if you're incapacitated.
by cheese_breath
Fri Sep 07, 2018 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5662

Re: Using your home as old age care self-insurance?

I am sort of planning on obtaining a reverse mortgage if one of us winds up needing long term care. We have a fully paid off house and it is unlikely that anyone would sell us long term care insurance at a reasonable price. What if both of you simultaneously need long-term care? The reverse mortgag...
by cheese_breath
Thu Sep 06, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8096

Re: Scaring the Old Folks

John88 wrote:
Thu Sep 06, 2018 7:28 pm
Duplicate don't know how to delete
Once someone's posted after you, you can't delete anymore.
by cheese_breath
Thu Sep 06, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8096

Re: Scaring the Old Folks

I've had 6 restaurant-prepared meals just this week for $22. You must eat like a mouse, livesoft! :P I would like to know what those meals were :-) Yes. Details, please. :D Maybe...2 Whoppers @$6.00 three times equals $18.00 for six meals. Free senior coffees. Still leaves $4.00 for splurges. :D ed...
by cheese_breath
Thu Sep 06, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8096

Re: Scaring the Old Folks

I've had 6 restaurant-prepared meals just this week for $22. You must eat like a mouse, livesoft! :P I would like to know what those meals were :-) Yes. Details, please. :D Maybe...2 Whoppers @$6.00 three times equals $18.00 for six meals. Free senior coffees. Still leaves $4.00 for splurges. :D
by cheese_breath
Thu Sep 06, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Dad's Finacial Paperwork
Replies: 8
Views: 1054

Re: Dad's Finacial Paperwork

My MIL never threw anything out. That's good and bad. I eventually found everything I needed, but I had to go through scores of trash bags filled with everything from processed checks and bank statements back to the creation of time to grocery receipts from 1966. Managed to skinny it all down to one...
by cheese_breath
Thu Sep 06, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dad's Finacial Paperwork
Replies: 8
Views: 1054

Re: Dad's Finacial Paperwork

I would at least keep a digital copy of the tax returns. I would also keep the death certificates. I just used one to claim $16 in a random account belonging to my dad who passed 10 years ago. I just used one of MIL's death certificates (died over 2 years ago) to become POA on a Chase checking acco...
by cheese_breath
Thu Sep 06, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2076

Re: Phone Calls from Windows saying computer has Malware

Thegame14 wrote:
Thu Sep 06, 2018 10:22 am
.... He said no this is not a scam, this is Microsoft support, I said how did you know to call me. He said my computer notified them of the issues....
You should have said, that was just my computer downloading the malware onto yours.
by cheese_breath
Thu Sep 06, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2076

Re: Phone Calls from Windows saying computer has Malware

... I imagine half the people on this forum have received similar calls. I remember one when I started asking the guy with the foreign accent some questions, and his only reply was "are you near your computer." That went on about five times before I hung up on him. ... The person in the conversatio...
by cheese_breath
Thu Sep 06, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2076

Re: Phone Calls from Windows saying computer has Malware

I dont think Microsoft (maker of Windows) is staffed enough to run diagnostics on your machine and then link the machine to your phone to call and let you know about it. If they could get into your machine to do diagnostics, why not just fix the problem while they're in there? I imagine half the pe...
by cheese_breath
Wed Sep 05, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 6746

Re: Men’s Underwear recommendation

I think they called them manziers on Seinfeld. They had a discussion about manziers, but I think the name they finally settled on for the product was the "Bro". :happy You're right... https://en.wikipedia.org/wiki/The_Doorman "At George's, Kramer and Frank think about going into the bra business wi...
by cheese_breath
Tue Sep 04, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Tax Deductions
Replies: 46
Views: 3443

Re: Charitable Tax Deductions

My cost of charity this year has effectively increased significantly. Has the total of your taxes plus charitable contributions increased or decreased? My annual charity includes a few $k in aviation fuel for dog rescues and Angel flights. Haven't yet filed, but charitable contributions will be abo...
by cheese_breath
Tue Sep 04, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Tax Deductions
Replies: 46
Views: 3443

Re: Charitable Tax Deductions

My cost of charity this year has effectively increased significantly. Has the total of your taxes plus charitable contributions increased or decreased? My annual charity includes a few $k in aviation fuel for dog rescues and Angel flights. Haven't yet filed, but charitable contributions will be abo...
by cheese_breath
Tue Sep 04, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Mom had no idea she had over a mil in her Portfolio. What now?
Replies: 25
Views: 5184

Re: Mom had no idea she had over a mil in her Portfolio. What now?

... So her tax bill will already be something to consider, but maybe not because of the long term capital gains tax only affecting those with an income higher than hers correct?... Unfortunately, maybe not correct. LTCGs are income too and count in determining tax brackets. I don't have time to get...
by cheese_breath
Mon Sep 03, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2377

Re: Medicare Open Enrollment Period Coming Soon

Medicare does not cover care out of the United States except in very few situations. Medicare Advantage Plans and most supplemental plans cover care out of the United State for emergencies and urgent situations only. If one travels out of the United States one should look into plans for travelers, ...
by cheese_breath
Mon Sep 03, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2377

Re: Medicare Open Enrollment Period Coming Soon

I'm "lucky." Advantage doesn't really exist in my area. and since I don't take any drugs, my only decision is whether to keep my "cheapest I could find" placeholder as a catastrophic plan or drop Part D entirely and deal with the penalty if I need to get back in. What's your philosophy on auto insu...
by cheese_breath
Mon Sep 03, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2377

Re: Medicare Open Enrollment Period Coming Soon

IMO its better to go without a medicare supplement then without part D because the 20% B charges usually do not amount to much but god forbid you get prescribed a tier 5 drug that can cost 1-10k per month....... Go without a supplement? Well, god forbid you have to be hospitalized. DW's Blue Cross ...
by cheese_breath
Mon Sep 03, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: Investing in the food industry
Replies: 13
Views: 845

Re: Investing in the food industry

Dairy products. I can eat enough ice cream so they all turn a profit. :D I have seen estimates that the majority of people on this planet cannot, as adults, digest cow's milk. It's unusual for one species to be able to digest the milk of another. Or to digest milk at all in adulthood. The gene whic...
by cheese_breath
Mon Sep 03, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Buy new (likely new to me) car while I can afford it?
Replies: 14
Views: 831

Re: Buy new (likely new to me) car while I can afford it?

I don't know how to address hoarding, but if you can get a few more years out of the CRV with new brakes and tires that's what I'd do. But save your new car money so you'll have it when you really need a new car. Looking down the long tunnel of time I predict you might need another 2 or 3 cars befor...
by cheese_breath
Sun Sep 02, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Investing in the food industry
Replies: 13
Views: 845

Re: Investing in the food industry

Dairy products. I can eat enough ice cream so they all turn a profit. :D
by cheese_breath
Sun Sep 02, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5662

Re: Using your home as old age care self-insurance?

And there's at least one more possibility... Both spouses need LTC concurrently. Then either the children or the state take over and liquidate everything.
by cheese_breath
Sat Sep 01, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5662

Re: Using your home as old age care self-insurance?

We plan to die at home.... But things don't always go according to plan. MIL wanted to die in her apartment but ended up in the hospital instead. Social services wouldn't let her live alone anymore, so when the hospital released her we took her into our home where she died in hospice. Otherwise she...
by cheese_breath
Sat Sep 01, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5662

Re: Using your home as old age care self-insurance?

Average stay in assisted living is about three years. In Cali, the cost of a nice assisted living facility is about $5000 per person per month. That's about $180k. Assisted living is one thing, but long term nursing home care can be twice as much for a nice facility. The one I have DW in now in Tex...
by cheese_breath
Sat Sep 01, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5662

Re: Using your home as old age care self-insurance?

I'm presently paying for DW's LTC nursing home from my retirement funds and am getting the paid-off house ready to sell. When it sells I'll just add the proceeds to the pot to give her a few more years. No, I hadn't planned it that way, but that's the plan now.
by cheese_breath
Sat Sep 01, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: Are CDs considered an investment?
Replies: 75
Views: 3962

Re: Are CDs considered an investment?

... whereas as investment entails taking on some risk of that you will lose your money in exchange for some chance of increasing in value... Just like at the track or casino? I should have expressly included the common denominator that separates both savings and investments from things like wagers:...