Search found 7830 matches

by cheese_breath
Mon Oct 22, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 41
Views: 2453

Re: For those who paid off house - how did you do it?

I refinanced twice to get lower interest mortgages. I made only the required interest payments each month and used the rest of my income for living expenses and investments. Kept paying monthly until it was paid off. This was in my 3rd or 4th year of retirement.
by cheese_breath
Mon Oct 22, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 49
Views: 1698

Re: Car Dealer told us car was Certified, but it isnt

I would start by calling the dealership and tell them you want to make a complaint to the GM about dishonest sales tactic by their salesperson named XXX who told you you were buying a CPO Mazda. If that doesn't work call Mazda direct and complain. Might try their social media as well to see if they...
by cheese_breath
Mon Oct 22, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 49
Views: 1698

Re: Car Dealer told us car was Certified, but it isnt

Thegame14 wrote:
Mon Oct 22, 2018 1:25 pm
... a verbal contract is as good as written....
If you have witnesses willing to testify on your behalf.
by cheese_breath
Mon Oct 22, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3005

Re: Why are Carbon Offset Credits so cheap?

Why no mention of cows here? Everybody knows cows are the cause of global warming. :P :P :P And exercise... it makes people exhale more C02. I wonder if I stop exercising, if I can sell the difference for a carbon credit. Or you could carry a potted plant with you on your runs and breath onto the p...
by cheese_breath
Mon Oct 22, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3005

Re: Why are Carbon Offset Credits so cheap?

Why no mention of cows here? Everybody knows cows are the cause of global warming. :P :P :P
by cheese_breath
Sun Oct 21, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback requested on approximating total stock market
Replies: 9
Views: 689

Re: Feedback requested on approximating total stock market

Do the 401Ks offer a S&P 500 index option? That's close enough IMO.
by cheese_breath
Sun Oct 21, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3257

Re: Car servicing

How could you possibly spend $100 to change the antifreeze and ATF on a civic?? A gallon of Honda type 2 coolant is about $15. Maybe $20 at a full price dealer. Honda DW1 atf is a about $8/qt and the civic takes about 3 quarts on a change. I’ve done those jobs, takes less than an hour. To many peop...
by cheese_breath
Sun Oct 21, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5136

Re: 8 reasons why pensions are [good]

My pension is trash. I get $3750/mo after 40 yrs (about $93/mo/yr of service). No cola. Pension at 45k/yr in 2048. Income at 150k/yr. So that's only replacing 30% of income, and it doesn't go up for inflation either... so in 2048, it's probably feel like I am getting $1500/mo of today dollar. It's ...
by cheese_breath
Sun Oct 21, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5136

Re: 8 reasons why pensions are [good]

My pension is trash. I get $3750/mo after 40 yrs (about $93/mo/yr of service). No cola. Pension at 45k/yr in 2048. Income at 150k/yr. So that's only replacing 30% of income, and it doesn't go up for inflation either... so in 2048, it's probably feel like I am getting $1500/mo of today dollar. It's ...
by cheese_breath
Sun Oct 21, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5136

Re: 8 reasons why pensions are [good]

They're certainly not [good --admin LadyGeek] in Detroit or Central Falls, RI, where public workers lost significant benefits. They're not [good --admin LadyGeek] in Providence where they risk municipal bankruptcy. They won't be [good --admin LadyGeek] in many, many areas over the next several year...
by cheese_breath
Sun Oct 21, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1526

Re: First RMD is due last day of year

praxis wrote:
Sun Oct 21, 2018 9:56 am
Does my custodian file a different IRS form depending on whether my IRA withdrawal is intended as my RMD for a particular year or is it reported as any other IRA distribution?
Your 1099R does not distinguish between RMDs, QCDs or any other distributions.
by cheese_breath
Sun Oct 21, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5136

Re: 8 reasons why pensions are [good]

I wouldn't generalize your experience to all pensions, which is exactly what your thread title does.
by cheese_breath
Sat Oct 20, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Met with an FA today.
Replies: 12
Views: 2497

Re: Met with an FA today.

Danger Will Robinson!
by cheese_breath
Sat Oct 20, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Rule of thumb for how much to spend on rent?
Replies: 24
Views: 2195

Re: Rule of thumb for how much to spend on rent?

I've never operated by rules of thumb myself. I consider all my other expenses, both current and projected and choose a number I can afford. I use the same idea when determining my retirement spending. No 4% 'SWR for me.
by cheese_breath
Sat Oct 20, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3005

Re: Why are Carbon Offset Credits so cheap?

Better question I think is, why are there carbon credits at all? Not that I agree with all the anti-pollution regulations, but if I did I would ask why should someone with more money be allowed to put more pollution into the atmosphere than he would if he had less money. If one was really serious ab...
by cheese_breath
Fri Oct 19, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: special needs family member approved for Medicaid coverage, need advice
Replies: 11
Views: 634

Re: special needs family member approved for Medicaid coverage, need advice

Can't you tell your employer now the date you want the coverage terminated? I certainly wouldn't want to terminate it before the Medicaid coverage starts.
by cheese_breath
Fri Oct 19, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: 401k Question whose name is best
Replies: 3
Views: 255

Re: 401k Question whose name is best

Flyer24 wrote:
Fri Oct 19, 2018 8:57 am
An IRA can only be in one person’s name. The spouse can be the designated beneficiary.
Plus your spouse's rollover has to go into her own IRA. It can't go into yours.
by cheese_breath
Thu Oct 18, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3257

Re: Car servicing

Own a 2010 Honda Civic and the dealer seems to keep finding new problems and each service runs me 500 or so. Thinking of switching dealers. Any suggestions on where to take my car? Currently I use a Honda dealer. Can you list the problems you've had (describe them) and the ones the dealer found? Ho...
by cheese_breath
Wed Oct 17, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3257

Re: Car servicing

Find a good local mechanic! A 2010 Civic shouldn't have needed anything but regular oil changes and a couple of brake fluid flushes by now. It may have come due for one radiator and transmission fluid change depending on how many miles you put on. Spark plugs may be coming up soon (105k) Spending m...
by cheese_breath
Wed Oct 17, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3257

Re: Car servicing

Find a good, local independent mechanic. Do the maintenance per recommendation by the manual. Unless something is broken, you do not need to do more than that. I am lucky enough to find a local trusted shop that I started to bring our Civic to then when it was brand new. The manual specifically say...
by cheese_breath
Wed Oct 17, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3257

Re: Car servicing

With an independent repair shop it's helpful to be more proactive about repairs. If you need brake work TODAY because your spouse can't stand the squeeks your primary choice might be the dealership emergency room. Naw. There are lots of muffler shops that also do brakes and fluid changes. Just get ...
by cheese_breath
Wed Oct 17, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3257

Re: Car servicing

Dealers always find problems where there are none. If you did everything they recommend it would cost you $500 every visit. Oh wait, you do and it does.
by cheese_breath
Tue Oct 16, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 1786

Re: Job Offer – bonus details provided after acceptance

Gainfully employed but have a job offer to join a new firm. Negligible (2 – 3%) increase in base but new target bonus is 55% of base whereas current target bonus is 20% of base. Prospective employer sketchy on details for how this significant bonus is determined and offer letter says details will b...
by cheese_breath
Tue Oct 16, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplements
Replies: 9
Views: 1246

Re: Medicare Supplements

IMO no. The benefits are the same, and they can't change them. The only thing one or the other might do someday is discontinue offering Plan G, and in that case you have the right to go somewhere else without underwriting.
by cheese_breath
Tue Oct 16, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Monthly vs. Annual Withdrawals
Replies: 15
Views: 1105

Re: Monthly vs. Annual Withdrawals

I was going to make a comment regarding beginning vs. end of year but you three beat me to it.
by cheese_breath
Mon Oct 15, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2349

Re: How do you buy a mattress ?

I go to Walmart, find the size I want, buy it,take it home, take it out of the box, and let it self-inflate.
by cheese_breath
Mon Oct 15, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3929

Re: How Much Is Your Sewer Bill?

Sewer bill is dependent on water usage. More flushes = higher sewer bill.
by cheese_breath
Mon Oct 15, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Convert TIRA to Roth, nondeductible
Replies: 19
Views: 1119

Re: Convert TIRA to Roth, nondeductible

....Consider how the taxes work. If you put $5,500 into tIRA you will pay tax on the front end ..... ????? This poster is not eligible to make a deductible contribution to IRA. So the money is taxed now. I guess I would have known that if I'd paid attention to the thread title. :oops: :oops: :oops:
by cheese_breath
Mon Oct 15, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5767

Re: What the heck is growing in my yard?

...I eat stuff I find in my neighborhood all the time. Paw paws, apples, oyster mushrooms, hen of the woods, morels, plums, etc... What about by the side of the road? :D You jest, but been there, done that. A few years ago I was about 1/2 mile from home when a truck just in front of me hit a deer. ...
by cheese_breath
Mon Oct 15, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Convert TIRA to Roth, nondeductible
Replies: 19
Views: 1119

Re: Convert TIRA to Roth, nondeductible

retiredjg wrote:
Mon Oct 15, 2018 1:51 pm
....Consider how the taxes work. If you put $5,500 into tIRA you will pay tax on the front end.....
?????
by cheese_breath
Mon Oct 15, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5767

Re: What the heck is growing in my yard?

...I eat stuff I find in my neighborhood all the time. Paw paws, apples, oyster mushrooms, hen of the woods, morels, plums, etc... What about by the side of the road? :D You mean, like, Road Kill Jerky ? Exactly. Bogleheads live within their means and never waste dead animals. Have to make some Roa...
by cheese_breath
Mon Oct 15, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5767

Re: What the heck is growing in my yard?

MI_bogle wrote:
Mon Oct 15, 2018 10:01 am
...I eat stuff I find in my neighborhood all the time. Paw paws, apples, oyster mushrooms, hen of the woods, morels, plums, etc...
What about by the side of the road? :D
by cheese_breath
Mon Oct 15, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Convert TIRA to Roth, nondeductible
Replies: 19
Views: 1119

Re: Convert TIRA to Roth, nondeductible

AstroGirl wrote:
Mon Oct 15, 2018 7:43 am

....tax bracket 33%....

...Or should I wait several years until my income is less, after partial retirement?...

...Prefer paying taxes up front...
Do you really prefer paying 33% in taxes now if you might be able to pay a lesser rate later?
by cheese_breath
Sun Oct 14, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5767

Re: What the heck is growing in my yard?

Get rid of them quick!!! That picture with the tape measure looks like two of them about to mate.
by cheese_breath
Sun Oct 14, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5093

Re: Need new email address. Gmail or ???

Gmail is fine, especially if you couple it with a pc client such as Thunderbird. Isn't using Thunderbird for Gmail just adding another layer of complexity? I can just log onto Gmail with any browser, from anywhere. What benefit does Thunderbird (or any computer-resident email program) add? I find T...
by cheese_breath
Sun Oct 14, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: 1950s home. Replace drywall and insulation or repair it
Replies: 19
Views: 1674

Re: 1950s home. Replace drywall and insulation or repair it

Just make sure it's drywall, and not plaster. You're probably right on the cusp when drywall began replacing plaster. Personally, if it's drywall I'd do it. I don't know if the insulation would save $1,000, or how long it would take. You're only talking one room, but you don't want to be eating Than...
by cheese_breath
Sat Oct 13, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5093

Re: Need new email address. Gmail or ???

m@ver1ck wrote:
Sat Oct 13, 2018 10:22 pm
I would go with microsoft's outlook.com account. With Google, you're the product. With Microsoft, email is the product.
With Microsoft you're the cow they milk all the time.
by cheese_breath
Sat Oct 13, 2018 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1887

Re: Get rid of my Roth IRA?

..... How good or bad of an idea might it be to simplify my portfolio more by liquidating my Roth IRA and put the funds into my taxable account? .... Bad, bad, bad, bad, bad for reasons already given. Simplify your portfolio by leaving it in TSM and ignoring it for 40 years. Then come back and look...
by cheese_breath
Sat Oct 13, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5093

Re: Need new email address. Gmail or ???

Gmail is fine, especially if you couple it with a pc client such as Thunderbird.
by cheese_breath
Sat Oct 13, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1887

Re: Get rid of my Roth IRA?

..... How good or bad of an idea might it be to simplify my portfolio more by liquidating my Roth IRA and put the funds into my taxable account? .... Bad, bad, bad, bad, bad for reasons already given. Simplify your portfolio by leaving it in TSM and ignoring it for 40 years. Then come back and look...
by cheese_breath
Sat Oct 13, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1887

Re: Get rid of my Roth IRA?

..... How good or bad of an idea might it be to simplify my portfolio more by liquidating my Roth IRA and put the funds into my taxable account? .... Bad, bad, bad, bad, bad for reasons already given. Simplify your portfolio by leaving it in TSM and ignoring it for 40 years. Then come back and look...
by cheese_breath
Sat Oct 13, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5936

Re: Neighbor discussing finances with me

I agree with the others. Don't give advice unless asked. Although I'm curious if this 'bond fund' might really be an annuity where you 'experience the upside while being protected from the down side.'
by cheese_breath
Sat Oct 13, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4703

Re: Keep a backup hot water heater?

DaftInvestor wrote:
Thu Oct 11, 2018 1:48 pm
Get one with a lifetime warranty.
Whose lifetime? His or the water heater's?
by cheese_breath
Sat Oct 13, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Balance Billed Illegally?
Replies: 14
Views: 1002

Re: Medical Balance Billed Illegally?

MJT7665 wrote:
Sat Oct 13, 2018 12:38 pm
But yes, lesson learned. I just want my money back and to be done with this.
That's the right attitude. Get your money back and move on. I can't tell you how many problems I've had with Blue Cross. But if I let them fester in my mind forever I'd go crazy.
by cheese_breath
Sat Oct 13, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Balance Billed Illegally?
Replies: 14
Views: 1002

Re: Medical Balance Billed Illegally?

I'd suggest from now on when you get your claims reports, EOBs or whatever your insurer calls them that you check them over right away rather than waiting for the collection agency to tell you. There's a reason they send you those reports.
by cheese_breath
Sat Oct 13, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Balance Billed Illegally?
Replies: 14
Views: 1002

Re: Medical Balance Billed Illegally?

Have you talked to them, see if possibly they made an error?
by cheese_breath
Sat Oct 13, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2451

Re: What would you do with some bulk silver?

This is a reply I meant for this thread that I erroneously put in a different thread a couple days ago. Some of you might have already seen it in the other thread... "This is the second thread in the past 2 or 3 weeks where a father or grandfather has given directions of what he wants done with his ...
by cheese_breath
Fri Oct 12, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank lost beneficiary paperwork, says must go through probate
Replies: 18
Views: 2511

Re: Bank lost beneficiary paperwork, says must go through probate

Did FIL have more than one account at the bank? DW inherited an IRA from her mother when she died and assumed sole ownership of their joint checking account. I was at the bank with DW when she filled out beneficiary forms leaving both (we thought) to her children when she passed. With DW now in a nu...
by cheese_breath
Fri Oct 12, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1744

Re: Census

The next census is slated for 2020, and it is supposed to make more use of the Internet than before. Do they start collecting the data two years early? I don't know. But the fact that the follow-up letter came so soon after the first one makes me a little suspicious.