Search found 7402 matches

by cheese_breath
Thu Jun 21, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4057

Re: Do you cancel old credit cards?

I cancel old credit cards I don't use anymore. I don't cancel old credit cards I still use. :wink:
by cheese_breath
Wed Jun 20, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 118
Views: 6181

Re: gray hair

Not to turn this into a medical post. But vitamins are classified as food, not medicine. So I guess it's OK. When I was in my mid 30s I had one patch of gray coming out on the right side near my neck. About the same time I started taking 400 IU vitamin E for a different reason. But after awhile I no...
by cheese_breath
Tue Jun 19, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 76
Views: 3056

Re: Road trip Pennsylvania,Maryland,and DC

You may also want to consider flying into Harrisburg, PA (MDT). MDT is a very low stress airport compared to PHL, IAD, or BWI. Not to mention fewer delays. HIA (MDT) is now served by Delta, United, and American, but yes, flight choices are limited. Frontier is starting service in July. http://www.f...
by cheese_breath
Tue Jun 19, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Will or Trust?
Replies: 43
Views: 2612

Re: Will or Trust?

Something I don't understand in reading this thread. Some have stated their wills are written to direct their assets into trusts after they die. Why? One of the advantages of a trust is to avoid probate. But taking the approach they're using won't the wills need to be probated before the assets can ...
by cheese_breath
Tue Jun 19, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 49
Views: 3100

Re: "distilled" water for wife's CPAP machine

Something like this and you can recoup your investment after a couple hundred gallons...

http://www.h2olabs.com/p-50-convenient- ... rvior.aspx
by cheese_breath
Tue Jun 19, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 104
Views: 7880

Re: How much (green) cash at home for emergency ?

20 gals of drinking water in the garage - replaced every 3 weeks.... when the zombies attack, we can trade potable water for transportation. :D Just wondering why you replace the water every 3 weeks. Do you expect it to get stale or spoil? Depending on your religious views that water might be anywh...
by cheese_breath
Tue Jun 19, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 32
Views: 2486

Re: Marriott hotels using Alexa/Echo in guest rooms?

There better be a way to turn those things off when you don't want them listening. :D :D :D :D :D
by cheese_breath
Mon Jun 18, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 38
Views: 2583

Re: Chipmunk problem

We have 12 years experience. These fellas are so cute when they show up. But as they gorge on birdseed and our flower garden, they procreate and become a yard full of striped rats. They are pests in our yard. They are always into mischief like stripping wires and chewing up things to make nests. We...
by cheese_breath
Mon Jun 18, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will or Trust?
Replies: 43
Views: 2612

Re: Will or Trust?

Both. The will is to catch anything you forgot to put into the trust.
by cheese_breath
Mon Jun 18, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 38
Views: 2583

Re: Chipmunk problem

Rat poison in the holes. The green cube stuff. One cube per hole. Controls problem for a few weeks. I have a patio that is being tunneled under, and fear it will eventually collapse. So I am not gentle with the little beasts. I started with the traps, which made everyone feel good, but just weren’t...
by cheese_breath
Mon Jun 18, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Advisory Portfolios
Replies: 23
Views: 947

Re: Northwestern Advisory Portfolios

Monster99 wrote:
Mon Jun 18, 2018 11:28 am
Make sure that the benchmark index they use incudes the dividend - ins. co. like to use index benchmarks that make their funds look good....
They may be using a S&P price index.
by cheese_breath
Mon Jun 18, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA to Roth
Replies: 5
Views: 530

Re: Traditional IRA to Roth

Nothing wrong with letting it just sit there and grow for the next 30-40 years. It's just another piece of your portfolio.
by cheese_breath
Mon Jun 18, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: What is the largest charitable action you have performed in your life?
Replies: 10
Views: 796

Re: What is the largest charitable action you have performed in your life?

Dropped a nickel in a Salvation Army red kettle.

Is it really charity, or did I just purchase a nickel's worth of bragging time?
by cheese_breath
Mon Jun 18, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2347

Re: When most 401K savings are in one spouse's name

And here's my latest on my quest to get DW's address changed. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=250670&p=3977730#p3977730 It's even more complicated with SS because they don't recognize POAs. The SS is nothing if not bureaucratic; hopefully the doctor will come through quickly. ...
by cheese_breath
Sun Jun 17, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16080

Re: Should I take possession of a certified mail?

The NEXT COUPLE OF DAYS??? :shock: We're hanging by our knuckles waiting to hear what's in the certified letter - and we have to wait a couple of days . . . :wink: I subscribed to this thread so I don't miss the stunning conclusion :) I have been known to go on vacation for several weeks . TravelGe...
by cheese_breath
Sun Jun 17, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2347

Re: When most 401K savings are in one spouse's name

Read https://www.nolo.com/legal-encyclopedia/how-can-i-safely-transfer-my-assets-get-medicaid-pay-long-term-care.html Pay special attention to the section Transfers for the Benefit of the Spouse with special, special attention to "Medicaid Annuities". And then see an elder law attorney to see if / ...
by cheese_breath
Sun Jun 17, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2347

Re: When most 401K savings are in one spouse's name

You definitely need POAs, both ways. You should have his, and he should have yours. Both financial and medical. Sorry to hear about your wife's stroke; glad she's recovering. I didn't realize POAs were needed for spouses. I was a court appointed guardian/conservator of my mother (when dad was too d...
by cheese_breath
Sun Jun 17, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Changing Address in Social Security
Replies: 15
Views: 1422

Re: Changing Address in Social Security

So here's the latest update on my quest. I phoned SS a couple weeks ago, explained I needed to become DW's representative payee so I could change her address, and asked what kind of documentation I should bring with me to the SS office. The SS rep said just bring documentation from the nursing home ...
by cheese_breath
Sun Jun 17, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16080

Re: Should I take possession of a certified mail?

The NEXT COUPLE OF DAYS??? :shock: We're hanging by our knuckles waiting to hear what's in the certified letter - and we have to wait a couple of days . . . :wink: I subscribed to this thread so I don't miss the stunning conclusion :) I have been known to go on vacation for several weeks . TravelGe...
by cheese_breath
Sun Jun 17, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 38
Views: 2583

Re: Chipmunk problem

Put a screw in top of ramp underside and it acts as a hook to keep it from slipping off. 130 swimmers caught a few years back. Using special food from HD pest dept these days. Poison is such a harsh word for todays time! I broke my foot a few years back in a chippie hole so its been war ever since!...
by cheese_breath
Sun Jun 17, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2347

Re: When most 401K savings are in one spouse's name

You definitely need POAs, both ways. You should have his, and he should have yours. Both financial and medical. If one of you becomes incapacitated the other one needs legal authority to act in his / her name whether it's signing tax returns, selling jointly owned items, touching the other's retirem...
by cheese_breath
Sun Jun 17, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Mercantil Bank CD?
Replies: 3
Views: 240

Re: Mercantil Bank

Seems to me if it's FDIC insured it wouldn't matter if the parent company was on the moon.
by cheese_breath
Sun Jun 17, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7231

Re: Which Supermarket are you?

Price and location are my primary concerns although I occasionally need to go to Whole Foods to get DWs dairy free pudding.
by cheese_breath
Sun Jun 17, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2347

Re: When most 401K savings are in one spouse's name

Read https://www.nolo.com/legal-encyclopedia/how-can-i-safely-transfer-my-assets-get-medicaid-pay-long-term-care.html Pay special attention to the section Transfers for the Benefit of the Spouse with special, special attention to "Medicaid Annuities". And then see an elder law attorney to see if / h...
by cheese_breath
Sun Jun 17, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 38
Views: 2583

Re: Chipmunk problem

JeffAL wrote:
Sun Jun 17, 2018 8:48 am
In many municipalities it is illegal to “relocate” pests....
My BIL has been talking about moving for years. Now I know why it hasn't happened.
by cheese_breath
Sat Jun 16, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16080

Re: Should I take possession of a certified mail?

vested1 wrote:
Sat Jun 16, 2018 11:48 am
brucebuck1010 wrote:
Fri Jun 15, 2018 2:22 pm
Waiting with baited breath!
Only if you had sardines for lunch. :)

It's bated (he yells out the widow while driving away in the spelling police cruiser)!
Waiting with cheese baited breath,
by cheese_breath
Fri Jun 15, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 38
Views: 2583

Re: Chipmunk problem

I just bought the Havahart trap a few days ago. So far the chipmunks have eaten the peanut butter and escaped four times, even though the trap was set off. Not sure how this is happening. My wife is keeping score and so far CHIPMUNKS - 4, MUNEMAKER - 0. I am about to lose my heart and go for the "c...
by cheese_breath
Fri Jun 15, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Seller Financing on Land Sale
Replies: 10
Views: 1013

Re: Seller Financing on Land Sale

Personally I've never liked the idea of seller financing. It makes me wonder why he can't get the financing somewhere else.

Sell it on a land contract. When he gets his own financing he can buy out the contract.
by cheese_breath
Fri Jun 15, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Private Sale test drive
Replies: 13
Views: 1203

Re: Private Sale test drive

I think you'd have a hard time finding a buyer if you didn't let them test drive it first.

Valid point about you never know who is showing up. (Are you sure you want to be in the car with them?) If you're that worried maybe you'd just better take your lumps and sell it to a dealer.
by cheese_breath
Fri Jun 15, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3355

Re: Too much house vs. just enough

dm200 wrote:
Fri Jun 15, 2018 12:55 pm
Will (or can) the boys share a bedroom?
Are you implying OP and his DW have separate bedrooms? :twisted:
by cheese_breath
Fri Jun 15, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3355

Re: Too much house vs. just enough

Any possibility of someday becoming a family of five?

A fourth bedroom might be nicer than the couch on 'fight night'. :P
by cheese_breath
Fri Jun 15, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16080

Re: Should I take possession of a certified mail?

I remember 35+ years ago when I was living in California getting the note that the P.O. had certified mail for me. Getting it required a special trip on the way home from work so a pain in the butt. Turned out to be a state-mandated notice from my home insurance company that I had a special 30-day ...
by cheese_breath
Thu Jun 14, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 32
Views: 2264

Re: Role of Annuity For Savers Who have 20+ years until Retirement

Here's what FINRA has to say about it... http://www.finra.org/investors/alerts/equity-indexed-annuities_a-complex-choice Note: They don't call them Equity Indexed annuities anymore. They call them Fixed Index annuities now because too many people were learning about the bad points of EIAs. But it's...
by cheese_breath
Thu Jun 14, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 32
Views: 2264

Re: Role of Annuity For Savers Who have 20+ years until Retirement

Here's what FINRA has to say about it... http://www.finra.org/investors/alerts/equity-indexed-annuities_a-complex-choice Note: They don't call them Equity Indexed annuities anymore. They call them Fixed Index annuities now because too many people were learning about the bad points of EIAs. But it's ...
by cheese_breath
Wed Jun 13, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 2907

Re: death certificates...hospice and 911

coffeehubcap wrote:
Wed Jun 13, 2018 10:44 am
Bad choice of words on my part. I won't be calling 911 if I die at home. Thanks for all who shared.
But you might be if you die somewhere else??????
by cheese_breath
Tue Jun 12, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease for parents
Replies: 37
Views: 2529

Re: Car Lease for parents

Alexa9 wrote:
Sat Jun 09, 2018 4:40 pm
Your parents are at about the too old to drive age honestly. I'd be looking at nursing homes, not a new car.
I spend 20+ hours per day with DW in her nursing home. Unless you plan to do the same you might as well take them out behind the barn and shoot them. It would be more merciful.
by cheese_breath
Tue Jun 12, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16080

Re: Should I take possession of a certified mail?

tim1999 wrote:
Tue Jun 12, 2018 2:10 pm
If he actually filed a suit against the OP, the paperwork on that would come from the court, not the handyman...
The official paperwork. But if this guy's a loony as OP would have us believe who know what he might send?
by cheese_breath
Tue Jun 12, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16080

Re: Should I take possession of a certified mail?

Just hypothetically, let's say he's hired a lawyer to sue you for (whatever), and he's sending you the mail to tell you. Wouldn't you want to know that before his attorney summons you into court.
by cheese_breath
Tue Jun 12, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Can anyone help me with a 1960's music trivia question
Replies: 5
Views: 756

Re: Can anyone help me with a 1960's music trivia question

No idea. Is it possible this was just a local hit, and nobody else in the country ever heard it?
by cheese_breath
Tue Jun 12, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 2907

Re: death certificates...hospice and 911

Is the question who prepares the death certificate? Or where can you get it?

https://www.nolo.com/legal-encyclopedia ... icate.html
by cheese_breath
Mon Jun 11, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 2907

Re: death certificates...hospice and 911

MIL died in hospice in our home almost two years ago. DW's daughter's family had come from Texas and was staying with us because they knew the end was imminent. At the end we were giving her morphine every two hours. I found her dead when it was my turn at 3:00am. First I woke DW so she could spend ...
by cheese_breath
Sun Jun 10, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3508

Re: The effect of a difficult last name on employment prospects...

obafgkm wrote:
Sun Jun 10, 2018 3:45 pm
cheese_breath wrote:
Sun Jun 10, 2018 3:28 pm
Lee Iacocca's last name is four syllables.... but then he got fired too. :wink:
"If you can find a better name, change it!"
:D :D :D :D :D
by cheese_breath
Sun Jun 10, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3508

Re: The effect of a difficult last name on employment prospects...

Lee Iococca's last name is four syllables.... but then he got fired too. :wink: Seriously though, I wouldn't discount the possibility. I once knew a man who changed his last name because he thought upper management was discriminating against his polish last name. On the other hand have you considere...
by cheese_breath
Sun Jun 10, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Credit Union CDs in my IRA
Replies: 4
Views: 373

Re: Credit Union CDs in my IRA

First you need to be 59 1/2 to do an in-service rollover. Then you need to find out if your employer will allow it. If they do, then your credit union should be able to handle the rest.
by cheese_breath
Sat Jun 09, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Private sector pensions/multiple income streams- value?
Replies: 4
Views: 422

Re: Private sector pensions/multiple income streams- value?

... I expect to be at this new job for a long time as the compensation is going to be in the 90s.... Don't be surprised if after a couple years living a $90K lifestyle you find yourself lusting after that job you heard about paying $120K. Not saying there's anything wrong with that, just saying...
by cheese_breath
Fri Jun 08, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Changing Address in Social Security
Replies: 15
Views: 1422

Re: Changing Address in Social Security

DW's only income is social security based on my work record. My income from pensions, social security and RMDs is roughly seven times hers. Current medical expense for nursing home and prescriptions is about ten times her income so I guess it's safe to keep using our joint account. Do I have to noti...