Search found 7896 matches

by cheese_breath
Fri Nov 16, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 33
Views: 1825

Re: Cremation seminar – with complimentary lunch

VictoriaF wrote:
Fri Nov 16, 2018 9:05 am
Do you get lunch before or after the cremation?

Victoria
They stuff a sandwich into your urn with you.
by cheese_breath
Fri Nov 16, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 33
Views: 936

Re: Home sale etiquette: wall repair

It's not a matter of etiquette. It's a matter of price the buyer is willing to pay for a house that needs that kind of fix-up. Might be a big deal to some, but not to others. In your case the buyer presumably already saw everything and accepted it as is, so you're under no obligation to do anything.
by cheese_breath
Fri Nov 16, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 33
Views: 1825

Re: Cremation seminar – with complimentary lunch

celia wrote:
Fri Nov 16, 2018 3:43 am
.... it cost us less than we were planning to spend on cremation anyway (about $3400 per person)....
How many people? Do they have group rates?
by cheese_breath
Thu Nov 15, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 33
Views: 1825

Re: Cremation seminar – with complimentary lunch

Teague wrote:
Thu Nov 15, 2018 10:30 pm
If you go, try not to think of the 1973 film Soylent Green.
If that's Aunt Betsy you're eating, then what's in her urn? Mouse droppings?
by cheese_breath
Thu Nov 15, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 33
Views: 1825

Re: Cremation seminar – with complimentary lunch

sport wrote:
Thu Nov 15, 2018 9:35 pm
GerryL wrote:
Thu Nov 15, 2018 9:09 pm
Is this a reasonable use of time or is it on par with a time-share presentation?
Well, we all will have a need for funeral arrangements. Few, if any, people need a time-share.
Could it be they sell time-shares for the best urn display slots in the mausoleums?
by cheese_breath
Thu Nov 15, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 33
Views: 1825

Re: Cremation seminar – with complimentary lunch

Smart Cremation? They burn you up and put what's left in a jar. How smart do they have to be to do that? Their website says it's up to 44% less than a burial. I believe that. MIL was cremated, and it was a lot cheaper than burying her. The funeral home handled the whole thing. We didn't need Smart C...
by cheese_breath
Thu Nov 15, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 99
Views: 7259

Re: Granddaughter needs $ help for university

Earl Lemongrab wrote:
Thu Nov 15, 2018 8:35 pm
...The time to evaluate all of that was when she was in high school, not freshman year.
Yes, but that time is past. This is a case of better late than never.
by cheese_breath
Wed Nov 14, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Structure of a Will. Accompanying Attorney's Fees. Also POA and HCP.
Replies: 3
Views: 510

Re: Structure of a Will. Accompanying Attorney's Fees. Also POA and HCP.

I'd suggest a trust with you both being settlors instead of wills.
by cheese_breath
Wed Nov 14, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing Medigap Policies - Need a Bit of Advice
Replies: 3
Views: 499

Re: Comparing Medigap Policies - Need a Bit of Advice

1. Is the nursing benefit an important one.... Like any benefit it's only important if you need it. But how do you know if you need it? DW needed it. She used 98 of the 100 day skilled nursing maximum for complications associated with her stroke, and her medigap plan paid the copay for days 21-98. ...
by cheese_breath
Wed Nov 14, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Opportunity Cost or Loss.
Replies: 8
Views: 555

Re: Opportunity Cost or Loss.

Your thinking is 180 degrees off base. Market downturns are opportunities to buy more stock cheap, not a time to jump out. The market will come back if you give it time. The OP had the same opinion one month ago. Unless you are adjusting your AA....you sit and wait and hope for a turn around. If th...
by cheese_breath
Wed Nov 14, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Opportunity Cost or Loss.
Replies: 8
Views: 555

Re: Opportunity Cost or Loss.

Your thinking is 180 degrees off base. Market downturns are opportunities to buy more stock cheap, not a time to jump out. The market will come back if you give it time.
by cheese_breath
Tue Nov 13, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: When to follow up after job interview
Replies: 18
Views: 997

Re: When to follow up after job interview

This ^^^ Fred: Just wanted to drop you a quick note. I remain very interested in the ____ position with Acme Products. I hope to hear from you soon - and wish you and your colleagues a very Happy Thanksgiving. Sincerely, Looking For Other Jobs, You Need To Get Off Your Butt If You Want Me Good luck...
by cheese_breath
Tue Nov 13, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: When to follow up after job interview
Replies: 18
Views: 997

Re: When to follow up after job interview

I had a phone interview with a company that is in my current industry on November 2. I feel that the interview went well and had a good rapport with the hiring manager. At the end of the interview, I asked about "next steps and timing." He said that they were still interviewing people but wanted to...
by cheese_breath
Tue Nov 13, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 99
Views: 7259

Re: Granddaughter needs $ help for university

I can’t imagine paying that much for a degree in music / teaching. I would not do it. Community college for 2 years then transfer to a state school. OP might think that way, but for OP's granddaughter, that is a very tough pill to swallow. With a mother who does not understand finances and living b...
by cheese_breath
Tue Nov 13, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 99
Views: 7259

Re: Granddaughter needs $ help for university

There are a lot of red flags here. The timing of the request is also quite peculiar. A thought that keeps crossing my mind and hasn't been mentioned. Any chance the mother who you have mentioned is not good with money is behind this? It's quite reasonable based on the info given to assume there is ...
by cheese_breath
Tue Nov 13, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 99
Views: 7259

Re: Granddaughter needs $ help for university

How come nobody mentioned part time job yet? (At least I didn't see anything.) Admittedly it's been many decades since I was in college, but my college employed many students in jobs on campus and also had links into the local community. I ended up helping a guy paint his house through a lead provid...
by cheese_breath
Mon Nov 12, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3917

Re: Feeling uneasy about recent splurge

mortfree wrote:
Mon Nov 12, 2018 8:46 pm
I wouldn’t lose sleep over it.
:happy :-) :D :oops:
by cheese_breath
Mon Nov 12, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 99
Views: 7259

Re: Granddaughter needs $ help for university

You said this is your first grandchild attending college. Will there be others? Will you do the same thing for each of them? Can you afford it?
by cheese_breath
Mon Nov 12, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 99
Views: 7259

Re: Granddaughter needs $ help for university

How it works is if she doesn't pay back the loan, you do.

Assuming of course that it's really your grand daughter calling and not someone from central Europe.
by cheese_breath
Mon Nov 12, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1503

Re: Would you invest CC cashback into market??

I apply mine to Staples gift cards which I then use to buy ink and paper for my printers. But if I had $6K sitting around I doubt I'd buy that many cards. :happy
by cheese_breath
Mon Nov 12, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Regrets from canceling whole life insurance policy - anyone out there?
Replies: 27
Views: 2952

Re: Regrets from canceling whole life insurance policy - anyone out there?

hand wrote:
Mon Nov 12, 2018 10:22 am
Isn't this a classic example of suviorship bias? The people most likely to be "happy" not cancelling a whole life insurance policy are dead, and therefore unlikely to respond!
There might be a lot of dead people who were happy they cancelled it too.
by cheese_breath
Mon Nov 12, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Financial Engines thru Vanguard
Replies: 14
Views: 819

Re: Financial Engines thru Vanguard

Type Financial Engines in the search box at the upper right and find out.
by cheese_breath
Sun Nov 11, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6096

Re: Do I need more than Original Medicare?

As a side note - gap F and gap C will not be sold after 2020. You can keep it if you are in it, but it will be closed to new purchasers. The problem with buying that will be the effects of no younger people in the risk pool. Eventually the premiums will skyrocket more so than G because G will still...
by cheese_breath
Sat Nov 10, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Regrets from canceling whole life insurance policy - anyone out there?
Replies: 27
Views: 2952

Re: Regrets from canceling whole life insurance policy - anyone out there?

The only possible regret I can think of would be if you're so sick no other company will sell you a term policy to replace the one you cancelled. That's why I still have a universal life policy on my wife instead of cancelling it.
by cheese_breath
Sat Nov 10, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Medicare part D- Wellcare
Replies: 10
Views: 531

Re: Medicare part D- Wellcare

PinotGris wrote:
Fri Nov 09, 2018 10:23 pm
We are considering switching our plan to WellCare prescription plan. I take only one medication and my husband gets 2 or 3. ...
BTW, you realize don't you that you don't both have to sign up for the same plan? One might sign up for WellCare, but a different plan might be better for the other.
by cheese_breath
Sat Nov 10, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Medicare part D- Wellcare
Replies: 10
Views: 531

Re: Medicare part D- Wellcare

ddb1419 wrote:
Sat Nov 10, 2018 10:01 am
I have had Wellcare Plan D before. Every now and then, they offer the best costs available, to lure you in....
So what? You just change plans next year. I've changed plans several times over the years to save on costs.
by cheese_breath
Sat Nov 10, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Medicare part D- Wellcare
Replies: 10
Views: 531

Re: Medicare part D- Wellcare

You didn't say which Wellcare plan, so I'm assuming you're asking about the company rather than a specific plan they offer. DW and I have both had Wellcare plans in the past and had no problems with them.
by cheese_breath
Thu Nov 08, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 874

Re: HIPPA Information available to out of town ER or not?

HIPAA is Federal legislation. It's understandable why your physician would be reluctant to give your information out to anyone without your signed permission.

https://www.truevault.com/resources/com ... -cost.html
by cheese_breath
Thu Nov 08, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: capital loss from stock reducing income
Replies: 5
Views: 528

Re: capital loss from stock reducing income

does it make a difference if my income (before this sale) is below 10K for the year and in that case my taxable income would be zero in the first place so there is nothing to reduce and this loss would carry forward as a capital loss? "Unfortunately, the IRS will not allow you to skip a year. Even ...
by cheese_breath
Tue Nov 06, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Documents
Replies: 32
Views: 2622

Re: estate Documents

... You won't understand everything and that's why you need an estate attorney to give you guidance and advice and explain your options. I constantly marvel at people I know who use 'form fillers' to create estate and trust documents. They may get it 80% right but how critical is the other 20%? The...
by cheese_breath
Tue Nov 06, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 87yo widowed Mom.
Replies: 13
Views: 995

Re: Portfolio for 87yo widowed Mom.

When you say expenses, does that include taxes? If so, she could afford to lose everything and still get by. So my question is... what's the purpose of the portfolio? Is it for herself or her heirs? Some would argue it's not unreasonable for portfolios invested for the heirs to have high equity allo...
by cheese_breath
Tue Nov 06, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Estate Documents
Replies: 32
Views: 2622

Re: estate Documents

I live in California. Here are the estate planning documents that have been created for my wife and me. Last Will and Testament Living Trust Durable Power of Attorney for Property Health Care Directive (including Power of Attorney for Health Care) HIIPPA release .... Got the same thing in TX except...
by cheese_breath
Mon Nov 05, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6096

Re: Do I need more than Original Medicare?

OP... My DW had a stroke 1 1/2 years ago at age 71. That's only 6 years older than you. So far her Medigap plan has paid over $100K in expenses. The prescription copays on her Part D plan are running about $500 per month. I can't imagine what my cost would be if I had to pay full price. If you want ...
by cheese_breath
Mon Nov 05, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Documents
Replies: 32
Views: 2622

Re: estate Documents

I wouldn't trust templates for something as serious as this. IMO it's worth paying an attorney to do it right. You don't get a second chance to fix any mistakes after you're gone.
by cheese_breath
Mon Nov 05, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6096

Re: Do I need more than Original Medicare?

kay8bee wrote:
Sun Nov 04, 2018 6:19 pm
...I can afford, and do not mind paying, Part A and Part B deductibles....
If you can afford Part A and B deductibles, then you can afford Medigap and Part D premiums or Medicare Advantage premiums. Don't be foolish over a few extra dollars.
by cheese_breath
Sun Nov 04, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: Buy Unpopular Stocks?
Replies: 9
Views: 1111

Re: Buy Unpopular Stocks?

Just buy S&P 500 or TSM and you get the popular and unpopular.
by cheese_breath
Sun Nov 04, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5894

Re: Deal fell through and didn't get escrow money.....

I wonder if the buyer had a contingency that the seller didn't know about? Was the "we must sell our house" contingency actually in the contract? If yes, I'd guess your friends are out of luck. Normally that would be in the purchase offer. I don't know how there could be a secret contingency unless...
by cheese_breath
Sun Nov 04, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5894

Re: Deal fell through and didn't get escrow money.....

.... Selling another property, securing financing, various inspections, those are all common contingencies.... Yes. I made the rash assumption that the buyer couldn't sell his house, but it might be any one of these or even something else. Whatever it was, the buyer submitted an offer specifying th...
by cheese_breath
Sun Nov 04, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5894

Re: Deal fell through and didn't get escrow money.....

From a practical standpoint, a contract contingent on the sale of the buyer's house is only half a contract anyhow. +1 These types of contingency clauses are put into contracts to benefit the buyer, not the seller. The seller might try adding clauses of his own, but it could result in the buyer wal...
by cheese_breath
Sun Nov 04, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5894

Re: Deal fell through and didn't get escrow money.....

From a practical standpoint, a contract contingent on the sale of the buyer's house is only half a contract anyhow. +1 These types of contingency clauses are put into contracts to benefit the buyer, not the seller. The seller might try adding clauses of his own, but it could result in the buyer wal...
by cheese_breath
Sat Nov 03, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is an MBA worth it these days?
Replies: 53
Views: 6298

Re: Is an MBA worth it these days?

An MBA can open up opportunities you wouldn't have otherwise. It's what you make of these opportunities that determines if it's worth it.
by cheese_breath
Sat Nov 03, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Is it wise to give out credit card and driver's license in this situation?
Replies: 14
Views: 1494

Re: Is it wise to give out credit card and driver's license in this situation?

Every hotel I've ever stayed in has taken my credit card and DL information, so it doesn't strike me as unusual. Taken? Hotel front desks in the US tend to glance at my drivers license, but don’t capture the information. If not a hotel, what about your doctor? (S)he has photo copies of your drivers...
by cheese_breath
Sat Nov 03, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5894

Re: Deal fell through and didn't get escrow money.....

... That day came and went and the realtor released the $3000. back to the failed buyer who had purchased with a contingency that he sell his house.... Well, did the buyer sell his house? The contingency clause means the deal is off he couldn't sell it. But if he did sell it and then backed out of ...
by cheese_breath
Sat Nov 03, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding on a Catch-up Deferral Amount
Replies: 4
Views: 307

Re: Deciding on a Catch-up Deferral Amount

Your reference to index funds leads me to suspect you're concerned with your equity rather than fixed income assets. If that's the case I wouldn't do it. Let's look at two possibilities between now and the time you will need the money... (1) The market increases. If you leave the money where it is y...
by cheese_breath
Sat Nov 03, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5207

Re: People with older car, share your unusual repairs

bottlecap wrote:
Fri Nov 02, 2018 7:54 pm
I had to replace the garbage disposal in my 2000 Ford.

They sure don’t make them like they used to.

JT
Was that the Ford Badger model?
by cheese_breath
Fri Nov 02, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4168

Re: Extreme credit card debt

Delay the adoption until you deal with the debt. A child needs more than just basic necessities. and It's questionable if you can even afford those at the present time.
by cheese_breath
Thu Nov 01, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5207

Re: People with older car, share your unusual repairs

Older truck, 2000 Silverado. Had to have a crack in the frame welded due to hitting too many big potholes in the Michigan winters.
by cheese_breath
Thu Nov 01, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Moved old 401K to a rollover IRA with Schwab..in cash
Replies: 9
Views: 544

Re: Moved old 401K to a rollover IRA with Schwab..in cash

... The birdy in my ear is saying, don't time the market and just buy, but I also don't wanna be dumb and just load up and it takes another dump 20% by end of the year after elections... One thing common to all birdies is bird brains. Unless this birdy is the exception it has no way of knowing if t...