Search found 8783 matches

by cheese_breath
Tue Nov 12, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Make donation through proxy (friend) and deduct?
Replies: 13
Views: 707

Re: Make donation through proxy (friend) and deduct?

I don't know about the legality but I wonder about the ethics of having your friend masquerade as the donor in order to obtain a match you aren't eligible for yourself.
by cheese_breath
Tue Nov 12, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Months Leading up to Retirement
Replies: 19
Views: 1721

Re: Months Leading up to Retirement

retiredjg wrote:
Tue Nov 12, 2019 8:49 am
Why would you need final medical and dental checkups?...
Maybe so (s)he might get any necessary work done while still under the employer's medical and dental insurance?
by cheese_breath
Tue Nov 12, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Distribution of principal from a bypass trust
Replies: 9
Views: 513

Re: Distribution of principal from a bypass trust

ChrisLA wrote:
Mon Nov 11, 2019 10:42 pm
cheese_breath wrote:
Mon Nov 11, 2019 10:12 pm
So then what's the problem with just leaving it like it is?
Unnecessarily high tax burden for the family.
OK, now I understand. Forgive me for my unfounded assumptions.
by cheese_breath
Mon Nov 11, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Distribution of principal from a bypass trust
Replies: 9
Views: 513

Re: Distribution of principal from a bypass trust

The only way any of the contingent beneficiaries would be cheated through my obviously nefarious machinations is if all twelve of my 83 yo mother's children, daughters in law, and grandchildren died before she did. If my mother believes the loss in income would be a problem she has the option and a...
by cheese_breath
Mon Nov 11, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Distribution of principal from a bypass trust
Replies: 9
Views: 513

Re: Distribution of principal from a bypass trust

My father passed away several years ago and half of our parents' estate went into a bypass trust whose income goes to my mother. ... ... Would "early" distribution of trust prinif you do this?cipal directly to my brothers and I be likely doable? The trust document doesn't address the topic, but I w...
by cheese_breath
Mon Nov 11, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback on specific Michigan/Midwest insurers
Replies: 11
Views: 627

Re: Feedback on specific Michigan/Midwest insurers

I had AAA Michigan for over 30 years and never had any problems except the annual price increases. Eventually switched to Safeco to save on premiums. But when I moved to Texas I found Safeco to be more expensive so now I'm with AAA Texas.
by cheese_breath
Mon Nov 11, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cleaning my (Financial) House
Replies: 8
Views: 1088

Re: Cleaning my (Financial) House

As important as what you keep and how much you keep is how you organize it. If you want to keep ten years of old phone bills (and I'm not suggesting you do) segregate them into a separate folder and name it something like "Phone Bills". Then your survivors will know they can ignore it.
by cheese_breath
Fri Nov 08, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 68
Views: 6938

Re: End of Support Chromebook

... I now have it link to guest networks and when I'm going to untrusted areas. I also only operate it in guest mode (don't log in.) It's still handy as an extra browsing system. If I'm going somewhere physically risky (like a beach or the pool), this is my go-to laptop. Do not use it for anything ...
by cheese_breath
Fri Nov 08, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 68
Views: 6938

Re: End of Support Chromebook

Google announced that it will give most Chrome OS devices one additional year of software support. https://www.androidpolice.com/2019/11/04/google-gives-most-chromebooks-an-extra-year-of-software-support/ Good news. Maybe that explains the September 26th build date on the one I'm using right now? I...
by cheese_breath
Thu Nov 07, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find social security deductions
Replies: 10
Views: 888

Re: Where to find social security deductions

Here's a thread I started last month I think you'll find helpful.

viewtopic.php?t=292267
by cheese_breath
Wed Nov 06, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Going small on a Windows PC
Replies: 17
Views: 1316

Re: Going small on a Windows PC

I've had a HP Slimline for about 4 months now and am happy with it so far.
by cheese_breath
Tue Nov 05, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 68
Views: 6938

Re: End of Support Chromebook

Google announced that it will give most Chrome OS devices one additional year of software support. https://www.androidpolice.com/2019/11/04/google-gives-most-chromebooks-an-extra-year-of-software-support/ Good news. Maybe that explains the September 26th build date on the one I'm using right now? I...
by cheese_breath
Sun Oct 27, 2019 7:07 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11635

Re: Inside Fisher Investments

I have been hounded by Fishers mail and phone calls for years, did not take much research to decide it was terrible product I would never be interested in, I could care less what he says, I try to judge people by what they do, not what they say. If I find a good mechanic, he can say anything he wan...
by cheese_breath
Sun Oct 27, 2019 6:27 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11635

Re: Inside Fisher Investments

Fisher can't be blamed, he's of an older generation and his headstrong manner probably helped him to be successful in the first place. Does this logic also apply if his comments were racist instead? Fisher is 68 years old. At what age do we become responsible for our actions and our words? Without ...
by cheese_breath
Sun Oct 27, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11635

Re: Inside Fisher Investments

Forester wrote:
Sat Oct 26, 2019 8:10 pm
Fisher can't be blamed, he's of an older generation and his headstrong manner probably helped him to be successful in the first place.
Does this logic also apply if his comments were racist instead? Fisher is 68 years old. At what age do we become responsible for our actions and our words?
by cheese_breath
Fri Oct 25, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

https://flyingnursesintl.net The above is one of several companies that do this. Used once. Worked great. Way cheaper than air ambulance. ...Commercial flight with medical attendant is not an option as MIL needs to be able to have enough upper body strength to get herself in a plane seat...
by cheese_breath
Fri Oct 25, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

flarf wrote:
Fri Oct 25, 2019 9:22 am
bankle wrote:
Thu Oct 24, 2019 9:28 pm
The quotes I've received are about 10k for ground, and 20k for private plane.
What type of plane? There's a wide spectrum of noise and vibration in this price range.
In that price range I'd guess they're jets.
by cheese_breath
Fri Oct 25, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

First class is expensive, even for a multi-trillionaire like me. I struggled a lot hoping a cheaper alternative would be adequate before deciding DW's safety and comfort were more important than $17,900. (What I paid in 2018)
by cheese_breath
Fri Oct 25, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5170

Re: Who does your tax returns?

TomatoTomahto wrote:
Fri Oct 25, 2019 8:23 am
I don’t know why, but I use TurboTax to compute our taxes AND then have our CPA do the return and file....
Trust but verify?
by cheese_breath
Fri Oct 25, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5170

Re: Who does your tax returns?

TurboTax does mine. I help by providing the input data.

Then I double check it against my Excel spreadsheet.
by cheese_breath
Fri Oct 25, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

Are RVs Safe For Medical Transport? Did you know that RVs are not DOT approved for medical transportation? If an accident occurs, the RV can crush easily. RVs are basically built like a stick home on top of a truck chassis. RVs or Class A motorhomes are not subjected to the same extensive crash wor...
by cheese_breath
Fri Oct 25, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

atikovi wrote:
Fri Oct 25, 2019 7:31 am
What about renting an RV one way? There is a big bed in the back for her and 2 drivers can easily switch off.
May not be safe depending on the patient's condition. When I was reviewing the options 1 1/2 years ago there were many articles on the Internet concerning this.
by cheese_breath
Fri Oct 25, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

You will be sharing this thread with them won't you? An actual printout of the thread, not just your summary. I don't know MIL's condition and I hate to belabor my point, but to be blunt IMO the stress from an overland trip like that might be enough to kill some sick elderly people. Would MIL be one...
by cheese_breath
Thu Oct 24, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

Is the patient able to ask for help if needed, e.g., if the attendant is asleep? There's only going to be one nurse/medic for... what... 2 days straight? What size vehicle has room for 2 beds, plus the attendant plus a family member? RM Averaging 55 mph they could make the 1300 miles in one day non...
by cheese_breath
Thu Oct 24, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

Hello all, Just a quick update. The quotes I've received are about 10k for ground, and 20k for private plane. Commercial flight with medical attendant is not an option as MIL needs to be able to have enough upper body strength to get herself in a plane seat - not possible now (maybe in the future w...
by cheese_breath
Thu Oct 24, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Understanding Part D website info
Replies: 10
Views: 487

Re: Understanding Part D website info

...So what I'm asking and may have to in a separate post is what insurance do you use for Part D and and what carrier for Part B - supplemental and why? You don't get a choice for Part B. That's part of Medicare and provided by the government. I use Plan G for my medigap supplement because I think ...
by cheese_breath
Thu Oct 24, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Understanding Part D website info
Replies: 10
Views: 487

Re: Understanding Part D website info

Seasonal wrote:
Thu Oct 24, 2019 7:15 am
... Is there anything to be done other than check each plan's web site? The applicable web site doesn't show retail, but has sensible values for the other entries...
One thing you can do is just wait awhile for them to correct the data. You have until Dec 7 to select a plan.
by cheese_breath
Thu Oct 24, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11635

Re: Inside Fisher Investments

I'd be curious to hear from someone who was actually a Ken Fisher client. We see a lot of posts from refugees fleeing Ed Jones, Raymond James, Merrill Lynch, Wells Fargo advisors. I don't recall anyone posting about their Ken Fisher experience. Maybe his clients are so satisfied they don't leave or...
by cheese_breath
Thu Oct 24, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: How to get quicker hot water
Replies: 45
Views: 2486

Re: How to get quicker hot water

A post like this reminds me of how blessed we are in America. We worry about getting instant hot water while much of the world worries about getting drinkable water. Yes, BUT some of us worry about wasting water while waiting for it to heat up. As I explained to our plumber when I increased the pow...
by cheese_breath
Thu Oct 24, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: How to get quicker hot water
Replies: 45
Views: 2486

Re: How to get quicker hot water

A post like this reminds me of how blessed we are in America. We worry about getting instant hot water while much of the world worries about getting drinkable water.
by cheese_breath
Wed Oct 23, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Spending Money - Surprising Low Fun Return
Replies: 58
Views: 6235

Re: Spending Money - Surprising Low Fun Return

The idea isn't to spend money because you got it. Spend it on things you would really lust for if you didn't have the money to buy them.

Would you lust for the truck or the bikes if you couldn't afford them?
by cheese_breath
Wed Oct 23, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Cost of my medicare drug plan is doubling
Replies: 24
Views: 2086

Re: Cost of my medicare drug plan is doubling

To answer your question... Yes, you should start shopping for a new plan. In fact you should shop for a new plan every year around this time. Plans change every year, and there's no guarantee the best plan for you in 2020 will be the best in 2021.
by cheese_breath
Wed Oct 23, 2019 9:42 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11635

Re: Inside Fisher Investments

I'd be curious to hear from someone who was actually a Ken Fisher client. We see a lot of posts from refugees fleeing Ed Jones, Raymond James, Merrill Lynch, Wells Fargo advisors. I don't recall anyone posting about their Ken Fisher experience. Maybe his clients are so satisfied they don't leave or...
by cheese_breath
Wed Oct 23, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Possible Structural Issues in a House
Replies: 21
Views: 1637

Re: Possible Structural Issues in a House

An inch of settling isn't unusual in a 45 year old house. If it was 3 inches, then I'd start worrying about it.

edit: My house constructed in 1980 settled about an inch in the first few years, and then never went any farther.
by cheese_breath
Wed Oct 23, 2019 7:44 am
Forum: Personal Investments
Topic: QCDs in first year of RMDs
Replies: 10
Views: 855

Re: QCDs in first year of RMDs

GerryL wrote:
Tue Oct 22, 2019 6:50 pm
A QCD is an RMD.
In the situation OP describes his QCDs would be part of his RMD. But you can also take QCDs after the RMD has been satisfied. In fact you can take up to $100,000 per year in QCDs.
by cheese_breath
Wed Oct 23, 2019 7:28 am
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5866

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

A company that has a questionable culture may have other really bad things that can come to light and affect the company negatively. On the other hand, Boeing is much larger than selling one aircraft model, or even selling aircraft. Boeing is also more than just the specific controls engineering gr...
by cheese_breath
Tue Oct 22, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7866

Re: Humana Part D - ILLINOIS - premiums up up up

I saw one drug highlighted at the bottom of the covered drug for Premier (but not Value): Sildenafil Citrate, which is generic Viagra. With a GoodRX coupon, those are available for 50 cents a tablet. You're going to need a lot of "happy times" to make that worth it. :D And you know the GoodRX price...
by cheese_breath
Tue Oct 22, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

At that distance across the Southwest US, I would only consider air transport. Even without any problems such as a mechanical breakdown, both the care your MIL would require during that time and her comfort would suggest to me that a "road trip" would not be best. Definitely a concern, thanks. FWIW...
by cheese_breath
Tue Oct 22, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11548

Re: Ok to go without health insurance?

sleepysurf wrote:
Tue Oct 22, 2019 10:50 am
You're physicians, and seriously considering this? :confused

Certainly you've both seen catastrophic accidents or unanticipated bad diagnoses!
+1
You beat me to it.
by cheese_breath
Tue Oct 22, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7866

Re: Humana Part D - ILLINOIS - premiums up up up

I got one too, and my premium only went up $4.00. But I'm more interested in total cost than in premium.
by cheese_breath
Tue Oct 22, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

Seems like a 2-day van trip from Detroit to Dallas would also entail much more risk than a transfer by air. (minor or major accident, enroute medical emergency, mechanical breakdown, road construction, weather, etc). Just curious about what the cost of the van might have been, since the true cost o...
by cheese_breath
Tue Oct 22, 2019 7:33 am
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5866

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

If a company has a bad PR crisis such as Boeing with the 737 max, is that a good time to invest after the stock dips. What are some good things to look at that may help predict if the stock will recover. When a company uses stolen competitor documents in a procurement competitions, that is a PR cri...
by cheese_breath
Tue Oct 22, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

TheDDC wrote:
Mon Oct 21, 2019 11:04 pm
... Two days is also quite a haul and I don't know how that would work exactly when an overnight is involved....
When I looked at these out 2 years ago the ones I checked carried two drivers so they could drive straight through stopping only for meals.
by cheese_breath
Mon Oct 21, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

TheDDC wrote:
Mon Oct 21, 2019 10:06 pm
...You should be able to speak with the "receiving" facility to get a recommendation on long haul medical transport services....

-TheDDC
The social worker at our sending facility was quite helpful in this respect.
by cheese_breath
Mon Oct 21, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

DW and I are both in our 70s so I guess we're elderly. I transported her from a nursing home near Detroit to one near Dallas by Air Ambulance Worldwide ( https://www.airambulanceworldwide.com ) about a year and a half ago. They were first class, handled everything from the door of one NH to the door...
by cheese_breath
Mon Oct 21, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3203

Re: Executor for parent in Florida seeking guidance

Contact the probate court in the jurisdiction where his estate might need to be probated. (Probate might not even be required if the estate is small enough.) They might have documented procedures for executors to help you through the process. The probate court where my MIL's will was did.
by cheese_breath
Mon Oct 21, 2019 3:15 pm
Forum: Personal Investments
Topic: Investing in equities in EDJ as cheaply as possible
Replies: 21
Views: 1306

Re: Investing in equities in EDJ as cheaply as possible

I know it is better to be in a less expensive investment, but I am trying to remain on this EDJ agent's good graces because he looked out for my interests in even inheriting this account and he said he would testify in court to my rights if it came to that... So you need to keep in his good side, o...
by cheese_breath
Mon Oct 21, 2019 1:27 pm
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12087

Re: High income earner waiting for a bear market to start investing

How long have you been waiting? Some people have been waiting for years, and they're still waiting.
by cheese_breath
Sun Oct 20, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D provider help-Wellcare Wellness
Replies: 39
Views: 2802

Re: Medicare Part D provider help-Wellcare Wellness

Hi. I've been on Wellcare this past year. No problems. I use one generic regularly, no mail order. I will check prices for the coming year and go with whoever is cheapest. Even though our prescription needs are vastly different from each other's, unless something changes in the planning tool it loo...