Search found 8493 matches

by cheese_breath
Fri Jul 19, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 48
Views: 3918

Re: Win 10 image backup software?

Actually, the built-in Windows 7 backup software works just fine. There's no need to install anything. Here's the Windows 7 backup and restore instructions, directly from Microsoft: Back up and restore your PC The only reason that Macrium is used is because Microsoft dropped support for full backup...
by cheese_breath
Fri Jun 07, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3714

Re: Does a big family need 2 big cars? Question for 3 kid+ families

In the long, long ago DW and I had 5 kids between us, a 3 seat station wagon, and a Camaro. And we got along just fine.
by cheese_breath
Wed Jun 05, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3714

Re: Does a big family need 2 big cars? Question for 3 kid+ families

You can get a loaner or rental if the van goes in the shop. For the miles you plan to drive, get the commuter car that works best for commuting. +1 You still need two cars no matter which one goes into the shop (one for commuting, one for family while you're at work). Just get a renter or loaner fo...
by cheese_breath
Wed Jun 05, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 337
Views: 26154

Re: Selling home- Demanding Buyer (Repairs)

Thanks Mlm. Don't see any issues with financing? It just adds more potential obstacles to get in the way on the path to settlement. I don't see how unless you signed an addendum to the purchase offer. I hope you didn't. This is their problem, not yours. You are under no obligation to accommodate th...
by cheese_breath
Wed Jun 05, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 337
Views: 26154

Re: Selling home- Demanding Buyer (Repairs)

Don't give in on the financing. The agreement was cash. How he comes up with the cash is his problem, not yours.
by cheese_breath
Tue Jun 04, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 48
Views: 3918

Re: Win 10 image backup software?

Thanks, but I'm not George. :D Congrats! :beer I recommend you do the actual restore, but that's up to you. Getting this far is a very good achievement. That's a scary thought, but I suppose it's best to find out now if something's wrong rather than waiting until i've got it loaded up with data. I ...
by cheese_breath
Tue Jun 04, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 48
Views: 3918

Re: Win 10 image backup software?

To cheese_breath: Don't let the above details scare you (again). It's a minor point. If you get stuck, post back here and we'll help you work through it. By George, I think I got it!! Created an image backup on portable hard drive Created rescue media on flash drive Booted from flash drive Went as ...
by cheese_breath
Tue Jun 04, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8159

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

What about great grandchildren? Should we leave something for them too? I have one grandchild on my side, age 11. DW has three grandchildren, the youngest being in his mid 20's. But she also has four great grandchildren, one of them being a couple months older than my one grandchild. How to divvy up...
by cheese_breath
Tue Jun 04, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Social Security deductions after maxing out Social Security benefit?
Replies: 23
Views: 2315

Re: Social Security deductions after maxing out Social Security benefit?

Right, but in this case I will have 35 years at the Social Security maximum. So, I believe it shouldn't be possible for a future year to "bump" a prior year since all 35 years are already max'ed out. You're right. But..... (1) You keep paying money you'll never collect on thereby helping to keep SS...
by cheese_breath
Tue Jun 04, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8159

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

I was an ONLY grandchild, and did not receive one dime. In fact everything my grandpa owned (house in nyc, grandmothers pension who passed in 1992, social security) all went to some random lady he met 10 years prior. I know my mom's parents had arrangements specifically to deal with this. If Grandp...
by cheese_breath
Tue Jun 04, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Social Security deductions after maxing out Social Security benefit?
Replies: 23
Views: 2315

Re: Social Security deductions after maxing out Social Security benefit?

In another year I will have worked for 35 full years at the maximum level for Social Security benefits. My understanding is that at that point my eventual Social Security benefit is "maxed" and cannot go any higher (other than for inflation adjustments)... You're "maxed" in the sense that only 35 y...
by cheese_breath
Tue Jun 04, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8159

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

DW and I leave nothing to the grandkids. We leave it to my and DW's kids in equal shares. If one of them dies before us, that share goes to his children in equal shares. If he has no children, then his share is divided equally among our remaining kids.
by cheese_breath
Tue Jun 04, 2019 7:48 am
Forum: Non-US Investing
Topic: Why house selling prices are generally not public?
Replies: 25
Views: 1872

Re: Why house selling prices are generally not public?

ZIllow shows the date and price of my house which I sold in February.
by cheese_breath
Mon Jun 03, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Reliable Wireless Mouse?
Replies: 31
Views: 1474

Re: Reliable Wireless Mouse?

What kind of websites are you viewing? Maybe you're burning their little mouse eyes out. :twisted: ...I checked for prior threads here but it seems like most are over 3 years old and may not reflect current choices. It's hard for us people who've never had any problems with our wireless mice to comm...
by cheese_breath
Mon Jun 03, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8159

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

TravelforFun wrote:
Mon Jun 03, 2019 11:55 am
Each of our grand kids will get the same amount regardless how many siblings they have.

TravelforFun
:D :D :D
by cheese_breath
Mon Jun 03, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3769

Re: Invited to vacation house then surprised with expenses—what now?

Jack FFR1846 wrote:
Mon Jun 03, 2019 9:43 am
You do know that the next surprise is that your in-laws are going to decide to come visit you.......and then stay with you for 6 months...... :shock:
And not pay a penny toward their expenses because they're family.
by cheese_breath
Mon Jun 03, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3769

Re: Invited to vacation house then surprised with expenses—what now?

If you do decide to contest or even mention this be sure your spouse makes it crystal clear these are his feelings. Otherwise there's a real risk of you (the outsider) being labeled as the bad guy.
by cheese_breath
Mon Jun 03, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3769

Re: Invited to vacation house then surprised with expenses—what now?

What does your spouse say? They're his / her parents. If (s)he wants to do it to keep peace in the family, then do it. If not, then don't.

Either way, you know what to expect from the next invitation.
by cheese_breath
Sun Jun 02, 2019 7:44 pm
Forum: Personal Investments
Topic: Retired Friday!! tIRA withdrawal advise
Replies: 5
Views: 825

Re: Retired Friday!! tIRA withdrawal advise

And is the 4- 6% the total expense or how much additional you'll need after the pension payment?
by cheese_breath
Sun Jun 02, 2019 7:37 pm
Forum: Investing - Theory, News & General
Topic: Portfolio For Lottery Winner
Replies: 8
Views: 1358

Re: Portfolio For Lottery Winner

I think Sears is going to turnaround. Put it all into Sears now and wait for the boom.
by cheese_breath
Sun Jun 02, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: What personal finance metrics do you track?
Replies: 44
Views: 3418

Re: What personal finance metrics do you track?

catlady wrote:
Sun Jun 02, 2019 2:53 pm
cheese_breath wrote:
Sun Jun 02, 2019 12:13 pm
Portfolio balance and how long it is projected to last. Everything else is data inputs into developing these numbers.
Are you in the withdrawal phase?
Yes
by cheese_breath
Sun Jun 02, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: What personal finance metrics do you track?
Replies: 44
Views: 3418

Re: What personal finance metrics do you track?

Portfolio balance and how long it is projected to last. Everything else is data inputs into developing these numbers.
by cheese_breath
Sun Jun 02, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1352

Re: questions re new roof and house painting

Can the eaves and joists be painted adequately from the ground? Seems to me they'd miss a lot area to be painted. They certainly can't get to joints fully. No you can't paint everything from the ground. But I didn't say you could. I said most of it . But they can't spray the eves from the ground ei...
by cheese_breath
Sat Jun 01, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 2988

Re: Painting Cabinets - Is it that hard ?

How good are your cabinets, and how long do you want them to last? Makes a lot of difference. I painted our above average builder grade wood cabinets with a roller and latex paint some years ago and they still look good. I wasn't interested in refinishing the insides so I just took the doors off, pa...
by cheese_breath
Sat Jun 01, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1352

Re: questions re new roof and house painting

brandy wrote:
Sat Jun 01, 2019 1:56 pm
Three peaks (and eaves) are ~20 up.
Believe it or not, they could paint most of that 20 feet from the ground with a roller attached to a looong pole. I'd never seen them do it this way before the last time they did my house, and it actually turned out pretty good.
by cheese_breath
Sat Jun 01, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to get the lowest mortgage rate?
Replies: 29
Views: 3534

Re: How to get the lowest mortgage rate?

Phone them and ask.

Google and sites such as www.bankrate.com
by cheese_breath
Sat Jun 01, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1352

Re: questions re new roof and house painting

Thanks! A few (read many) years ago, I might have tried it myself. Age and condition no longer allow such antics, the youngsters can handle all that now! :happy I do not know how other companies handle it, I watched the fellow do hers. He sprayed. I will be getting estimates, thus my question as to...
by cheese_breath
Sat Jun 01, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1352

Re: questions re new roof and house painting

Thanks! A few (read many) years ago, I might have tried it myself. Age and condition no longer allow such antics, the youngsters can handle all that now! :happy I do not know how other companies handle it, I watched the fellow do hers. He sprayed. I will be getting estimates, thus my question as to...
by cheese_breath
Sat Jun 01, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1352

Re: questions re new roof and house painting

First question: Why spray? Use a roller. They make rollers for all different kinds of surfaces.
by cheese_breath
Sat Jun 01, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Driveway Stain - What is it?
Replies: 11
Views: 1147

Re: Driveway Stain - What is it?

Radiator coolant? Brake fluid?

I'd let him know just in case his truck might be damaged by losing too much of whatever it is.
by cheese_breath
Fri May 31, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Home Health Care Benefit- Anybody?
Replies: 2
Views: 403

Re: Medicare Home Health Care Benefit- Anybody?

Is this what you're referring to?

https://www.medicare.gov/coverage/home-health-services

I was under the impression her doctor will determine what your mother needs and coordinate everything with Medicare.
by cheese_breath
Fri May 31, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Liability Releases
Replies: 8
Views: 667

Re: Liability Releases

I think it's in the contract I signed with DW's nursing home. It's simple, you either sign the contract or your kid doesn't play.

I don't like it, but it is what it is.
by cheese_breath
Wed May 29, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 16555

Re: Fun paid jobs after FIRE

Walmart greeter
Gate guard at high class marina
Pool boy for Mrs. Robinson
by cheese_breath
Wed May 29, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1671

Re: How does TIAA-CREF work?

If you live near a TIAA local office you might want to schedule a visit and talk everything over in person. To see if they have a local office lear you... Go to the TIAA Website TIAA.org Scroll down the page until you see the yellow Contact Us on the left See "Find a local office directly underneat...
by cheese_breath
Wed May 29, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1671

Re: How does TIAA-CREF work?

If you live near a TIAA local office you might want to schedule a visit and talk everything over in person. To see if they have a local office lear you... Go to the TIAA Website TIAA.org Scroll down the page until you see the yellow Contact Us on the left See "Find a local office directly underneath...
by cheese_breath
Wed May 29, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11166

Re: Paying Kids For Good Grades -- do you do it?

....Taking school seriously is expected as is brushing their teeth daily.... Not all kids brush their teeth every day either. Speaking personally again, if my parents hadn't rewarded me for good grades I never would have got into college and wouldn't have the career I had. Rewarding me in the lower...
by cheese_breath
Wed May 29, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11166

Re: Paying Kids For Good Grades -- do you do it?

Stale or not, all I can say is my parents paid me for good grades. And I know I got better grades than I would have otherwise. Presumably that means I worked harder to get them than I would have otherwise. (Probably true because I was a lazy kid).
by cheese_breath
Wed May 29, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Elderly Parent's Home In Need of Major Repairs
Replies: 44
Views: 4031

Re: Elderly Parent's Home In Need of Major Repairs

Hope this isn't too intrusive, but did he and your mother his wife live in the house 2 out of the last 5 years? And is he filing jointly with your mother his wife in 2019? That's the only way I know where he could exclude $500K in capital gains from his income. If there's something else I'd like to...
by cheese_breath
Tue May 28, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly Parent's Home In Need of Major Repairs
Replies: 44
Views: 4031

Re: Elderly Parent's Home In Need of Major Repairs

Hope this isn't too intrusive, but did he and your mother his wife live in the house 2 out of the last 5 years? And is he filing jointly with your mother his wife in 2019? That's the only way I know where he could exclude $500K in capital gains from his income. If there's something else I'd like to ...
by cheese_breath
Tue May 28, 2019 8:20 am
Forum: Investing - Theory, News & General
Topic: Setting bond allocation as (years x living expenses)? Does it make sense?
Replies: 8
Views: 643

Re: Setting bond allocation as (years x living expenses)? Does it make sense?

It is a fine strategy except that as one spends down their bond funds in a bear market, what is happening to the stock:bond asset allocation? As bonds are spent, does the stock percentage go up? Is one buying more stocks while equities are on sale by exchanging from bond funds to stock funds (i.e. ...
by cheese_breath
Tue May 28, 2019 8:04 am
Forum: Investing - Theory, News & General
Topic: Setting bond allocation as (years x living expenses)? Does it make sense?
Replies: 8
Views: 643

Re: Setting bond allocation as (years x living expenses)? Does it make sense?

Are you retired or close to retirement? If yes, then it makes perfect sense. I've had my TIAA Traditional funded for about 15 years of living expenses since I retired in 1996, and it served me well during the first decade of this century. But if you're in the early or middle accumulation stages you ...
by cheese_breath
Mon May 27, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly Parent's Home In Need of Major Repairs
Replies: 44
Views: 4031

Re: Elderly Parent's Home In Need of Major Repairs

...For rental purposes he thinks the upstairs is much nicer. The upstairs is fine, but dated. He comes back for a few weeks about once every three months So as a potential renter how would you feel about walking on eggshells a few weeks of every three months so you don't tick off the owner in the b...
by cheese_breath
Mon May 27, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Using blacklight for cleaning
Replies: 13
Views: 1430

Re: Using blacklight for cleaning

mariezzz wrote:
Mon May 27, 2019 12:09 pm
Depends on how OCD you are. Seems excessive to me.
Unless you're trying to get rid of the evidence. :D
by cheese_breath
Mon May 27, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 48
Views: 3918

Re: Win 10 image backup software?

To cheese_breath: Don't let the above details scare you (again). It's a minor point. If you get stuck, post back here and we'll help you work through it. Yes, you’re probably right. I’m probably overreacting. But I know you’re aware of my time constraints spending most of it at DW’s nursing home an...
by cheese_breath
Mon May 27, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Elderly Parent's Home In Need of Major Repairs
Replies: 44
Views: 4031

Re: Elderly Parent's Home In Need of Major Repairs

He would like to make the necessary changes but does not want to take on another loan in order to do so because he is debt averse. There's a difference between "like to" and "want to". If he doesn't "want to" badly enough to do what's necessary to pay for it himself, then leave it as it is. Because...
by cheese_breath
Mon May 27, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Elderly Parent's Home In Need of Major Repairs
Replies: 44
Views: 4031

Re: Elderly Parent's Home In Need of Major Repairs

Old people often lose the ability to accept changes needed with age and circumstances, and are sometimes perfectly happy to let others go crazy trying to give them a life exactly as they'd wish it regardless of practicality. Decide what you all can do and how far you're willing to go to accommodate...
by cheese_breath
Sun May 26, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 48
Views: 3918

Re: Win 10 image backup software?

LadyGeek wrote:
Sun May 26, 2019 1:14 pm
Macrium Reflect strongly suggests making a bootable recovery drive from the same PC that will be used to restore the image. There should be no need to change the BIOS boot settings....
This sounds like my kind of answer. :D :D :D
by cheese_breath
Sun May 26, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1671

Re: How does TIAA-CREF work?

It probably depends on his employer's requirements. I was able to roll my stock over into an IRA, but I had to have my employer sign an authorization form first.... BUT, this was about 20 years ago. Things might have changed since then. I'd start with having him ask his employer's HR. Also, do you r...
by cheese_breath
Sun May 26, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 48
Views: 3918

Re: Win 10 image backup software?

I was referencing the start-up options, not changing the BIOS itself. Every PC has a way to boot from a start-up menu. When the built-in drive doesn't respond, that's how you get things going. Usually, you hold down a key, such as 'Esc' or 'Delete'. The info will be in your PC owner's manual or use...
by cheese_breath
Sun May 26, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 48
Views: 3918

Re: Win 10 image backup software?

Thanks. I've always used Norton Ghost and just assumed it would work because it's Norton. Fortunately it did because I've had to restore a few times over the years.

Now, any advice on what and how to change the BIOS? I've always been afraid to mess with it.