Search found 7477 matches

by cheese_breath
Wed Jul 18, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: $500k Term Life- get new policy?
Replies: 6
Views: 338

Re: $500k Term Life- get new policy?

Do you NEED it? You NEED to provide for your child for maybe another 10 years, but current policy still has 12 years to run. Do you have enough to self insure and provide for spouse after that or will you NEED more? be aware premiums often go up significantly when you hit 50. At least they did for me.
by cheese_breath
Wed Jul 18, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 15
Views: 910

Re: Selling mom's house

When you say mom put the home in the childrens' names that means the deed now has your four names on it, and her's isn't. Yes? Then what she wanted has no legal bearing, and neither would a will. IMO I'd just sign my piece of the house over to the siblings and be done with it. The legal battles migh...
by cheese_breath
Mon Jul 16, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Wire transfers from internet banks (CapOne 360)
Replies: 5
Views: 404

Re: Wire transfers from internet banks (CapOne 360)

ALLY Bank does an excellent job with wire transfers. In fact, you can set it up online. I have used them and no problems. They will call for verification information so good with security. I used Ally wire transfer when I moved DW down to Texas by air ambulance. No problems at all. I think the fee ...
by cheese_breath
Sun Jul 15, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: want to improve returns by 1%/year on a portfolio
Replies: 6
Views: 776

Re: want to improve returns by 1%/year on a portfolio

My advice is she needs to either consider working longer, or lowering her standard of living if she wants to retire in seven years. When people get that close to retirement they should be moving toward a more conservative portfolio to protect what they already have rather than becoming more aggressi...
by cheese_breath
Sat Jul 14, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 54
Views: 6437

Re: Be Careful Using Mailboxes

My CPA says we are his only client who insists on NOT writing checks with our tax returns but always paying online thru e-check or CCard. It just feels safer NOT to write both our full SS#s on the check as IT’S required. ................................................. doesn't change your main pt ...
by cheese_breath
Fri Jul 13, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Another Trust Question
Replies: 12
Views: 994

Re: Another Trust Question

FIREChief... I'm not sure I made myself clear on the purpose of the trust. It's to provide a pot of money my successor trustee can spend as needed caring for my incapacitated spouse.... nursing home, prescription copays averaging $500 per month, etc. She is unable to manage the money herself due to...
by cheese_breath
Fri Jul 13, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 54
Views: 6437

Re: Be Careful Using Mailboxes

I never use a personal mail box for anything financial. Always deposit it in a USPS drop box.
by cheese_breath
Fri Jul 13, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Another Trust Question
Replies: 12
Views: 994

Re: Another Trust Question

FIREChief... I'm not sure I made myself clear on the purpose of the trust. It's to provide a pot of money my successor trustee can spend as needed caring for my incapacitated spouse.... nursing home, prescription copays averaging $500 per month, etc. She is unable to manage the money herself due to...
by cheese_breath
Fri Jul 13, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Another Trust Question
Replies: 12
Views: 994

Re: Another Trust Question

I’m presuming based on the answers received so far that my understanding of what will happen to the tIRA is correct, that is to say it will be taxed in its entirety just as if I had withdrawn it myself. A little on DW’s condition might help provide additional context to my responses to your comments...
by cheese_breath
Fri Jul 13, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Another Trust Question
Replies: 12
Views: 994

Re: Another Trust Question

FIREChief... I'm not sure I made myself clear on the purpose of the trust. It's to provide a pot of money my successor trustee can spend as needed caring for my incapacitated spouse.... nursing home, prescription copays averaging $500 per month, etc. She is unable to manage the money herself due to ...
by cheese_breath
Fri Jul 13, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 71
Views: 4588

Re: Tell me what's wrong with my strategy

magicrat wrote:
Fri Jul 13, 2018 11:34 am
Picking some random stocks without justification doesn't sound like a strategy to me. Good luck though.
Plus past performance is no guarantee of future results. I think I heard that somewhere before.
by cheese_breath
Fri Jul 13, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Do insurance agents add value? How?
Replies: 24
Views: 1438

Re: Do insurance agents add value? How?

... Additionally, he missed a scheduled appointment a year ago and never followed up after another agent sat in for him... So he was thoughtful enough to have someone sit in for him? Better than having you sit in the room with an empty chair. Did the other agent take care of everything that needed ...
by cheese_breath
Fri Jul 13, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Another Trust Question
Replies: 12
Views: 994

Another Trust Question

So I went to an estate planning / probate attorney and among the documents he put together is a revocable trust with both DW and myself as settlors. The intent is to fund the trust to pay for DW’s medical care if I should die first. When we’re both gone whatever remains in it will go to our children...
by cheese_breath
Tue Jul 10, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4283

Re: Which advanced tech is necessary in cars?

dm200 wrote:
Tue Jul 10, 2018 12:57 pm
While I believe that airbags provide increased safety and lower death and injury rates - I often winder "how much" vs. everyone always wearing seat/shoulder belts in modern cars.
Not much if they're Takata airbags. Never had a seat belt explode in my face.
by cheese_breath
Tue Jul 10, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3858

Re: Dow 40000 prediction for 2025

Should anybody make any investment decisions based on such long range predictions ? No. Because nobody can predict the future. :) Everyone can predict the future. Few can predict it with any accuracy. I can. Read my signature. Knowing the past isn't the same thing as predicting the future. Unless y...
by cheese_breath
Tue Jul 10, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3858

Re: Dow 40000 prediction for 2025

JoeRetire wrote:
Tue Jul 10, 2018 12:21 pm
willthrill81 wrote:
Tue Jul 10, 2018 12:20 pm
skor99 wrote:
Tue Jul 10, 2018 11:27 am
Should anybody make any investment decisions based on such long range predictions ?
No. Because nobody can predict the future. :)
Everyone can predict the future. Few can predict it with any accuracy.
I can. Read my signature.
by cheese_breath
Tue Jul 10, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Taken advantage of.
Replies: 7
Views: 1266

Re: Taken advantage of.

The General wrote:
Tue Jul 10, 2018 11:03 am
I have an email that proves I was lied to.
Then take it to a lawyer. (S)he should be able to give an opinion on whether you have a valid case or not.
by cheese_breath
Tue Jul 10, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: What's up with Wells Fargo
Replies: 27
Views: 2872

Re: What's up with Wells Fargo

mhalley wrote:
Tue Jul 10, 2018 10:09 am
Ditto. They are practically a criminal organization. This is a fine opportunity to move the account.
According to their commercials they just lost their way. Awww.
by cheese_breath
Tue Jul 10, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: What's up with Wells Fargo
Replies: 27
Views: 2872

Re: What's up with Wells Fargo

I suspect their definition of activity includes depositing or withdrawing money.

DW has two accounts in her own name which she hasn't been able to access since her stroke. So every 4 months or so I deposit a dollar in each one to keep them from being classified as abandoned.
by cheese_breath
Tue Jul 10, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9188

Re: Keeping a checkbook register

My reason for a checkbook register is to have something to write things on until I get time to enter them in my Excel spreadsheet. Otherwise I forget them.

Plus, if you ever go before Judge Judy you better have a checkbook register to show her. She doesn't accept Excel. :D :D :D
by cheese_breath
Sat Jul 07, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1638

Re: Checkbook balancing software?

You could create a check register in Excel in a matter of minutes. Just use a large font for them.
by cheese_breath
Sat Jul 07, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4044

Re: Is there a current car without a console between the front seats?

Can't you put the stuff in the trunk? My cat always objected to this. Who is the "boss" - you or the cat?? :sharebeer If you owned a cat you'd know. :wink: Maybe that is why I would have a dog - if my wife would let me ;) Substitute "if my cat would let me", then you'll understand. :D
by cheese_breath
Sat Jul 07, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4283

Re: Which advanced tech is necessary in cars?

ABS - works great in low traction conditions (ice/snow/rain). Only had to use it once or twice in dry conditions. After spending over three decades learning how to pump the brakes in various driving conditions I had a hard time adjusting to it. I still want to pump when I don't think the ABS is doi...
by cheese_breath
Sat Jul 07, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4283

Re: Which advanced tech is necessary in cars?

I am old enough to remember when cars did not "need" turn signals, outside rear view mirrors or backup lights. For example, you would indicate turns and backing up with hand/arm signals out the drivers window. No seat belts either - back then. Our family bought a new 1963 Plymouth - and it had the ...
by cheese_breath
Sat Jul 07, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4283

Re: Which advanced tech is necessary in cars?

I am old enough to remember when cars did not "need" turn signals, outside rear view mirrors or backup lights. For example, you would indicate turns and backing up with hand/arm signals out the drivers window. As am I old enough, and I remember those hand/arm signals didn't always work so good afte...
by cheese_breath
Sat Jul 07, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4283

Re: Which advanced tech is necessary in cars?

dm200 wrote:
Sat Jul 07, 2018 10:03 am
cheese_breath wrote:
Sat Jul 07, 2018 9:58 am
I thought necessary features were determined by the government.
The "government" and I often disagree (in both directions) about things that are "necessary" - not just cars. :confused
But who has the final word?
by cheese_breath
Sat Jul 07, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4283

Re: Which advanced tech is necessary in cars?

I thought necessary features were determined by the government.
by cheese_breath
Sat Jul 07, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3222

Re: Trying to hit grand slam with small % portfolio?

Isn't that what people here call their play money?

And no, I haven't.
by cheese_breath
Fri Jul 06, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: “We have a lot to do, and very little time, so we must work slowly.”
Replies: 21
Views: 3852

Re: “We have a lot to do, and very little time, so we must work slowly.”

We've got a long way to go and a short time to get there.
I'm east bound, just watch ol' Bandit run.

Jerry Reed
by cheese_breath
Fri Jul 06, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: how to diagnose problem with cable internet speed
Replies: 27
Views: 2205

Re: how to diagnose problem with cable internet speed

You can make sure your modem and router are the latest and greatest and are on the ISP's recommended list, but I doubt that's the problem. "Up to" isn't a promise of 50. I had the same problems before I left Comcast. I'll bet if nobody else was using their service you would get 50. Their whole netwo...
by cheese_breath
Fri Jul 06, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4044

Re: Is there a current car without a console between the front seats?

How often does this cat have to go to the vet? Is it really that big of an issue to put it in the passenger seat using the passenger door and then walk around to the driver door? It's not just the cat. I am always putting stuff in the passenger's seat Can't you put the stuff in the trunk? My cat al...
by cheese_breath
Fri Jul 06, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Capping Emergency Fund
Replies: 53
Views: 4743

Re: Capping Emergency Fund

In general the advice/target for an emergency fund is 6 months of expenses. I'm curious at what point in total assets this rule doesn't make sense. When you don't need it anymore. Think of the emergency fund as insurance. At some point you reach a point where it makes more sense to self-insure rath...
by cheese_breath
Fri Jul 06, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Teaching local communities how to save/invest
Replies: 12
Views: 910

Re: Teaching local communities how to save/invest

I was wondering about credentials too. They're likely to be more impressed by someone with "financial advisor" after his name than "Boglehead".
by cheese_breath
Fri Jul 06, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Party for 30
Replies: 15
Views: 1664

Re: Party for 30

A Honey Baked brand spiral-cut ham has been a hit at several of my parties. Later, I make a large pot of split pea soup with the ham bone and leftover meat. I split the soup into containers and freeze them. You'll love finding them in the freezer this fall when the weather gets chilly. +1 Make sure...
by cheese_breath
Thu Jul 05, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Cannot install hardwood on curved floor?
Replies: 15
Views: 1196

Re: Cannot install hardwood on curved floor?

Lynette wrote:
Thu Jul 05, 2018 7:14 pm
I think that all Home Depot installers are local. Each branch uses their own though some may share installers. Installers at another branch may be able to do it.
They subcontract out to local installers, if that's what you mean.
by cheese_breath
Thu Jul 05, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Cannot install hardwood on curved floor?
Replies: 15
Views: 1196

Re: Cannot install hardwood on curved floor?

My experience is the HD installers don't want to do anything out of the ordinary. I had an experience with french doors to the patio where the HD guy said it couldn't be done. Hired my own guys, and they did it.
by cheese_breath
Thu Jul 05, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Main Residence Tax Question for Widow
Replies: 10
Views: 421

Re: Selling Main Residence Tax Question for Widow

Welcome to the forum. Sorry for your loss. I googled around and found a site that discussed this in some detail (is a Google search more authoritative than an anonymous forum???). The controlling issue appears to be that both spouses must have lived in the home for 2 of the last 5 years to claim th...
by cheese_breath
Thu Jul 05, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4044

Re: Is there a current car without a console between the front seats?

... You have never met my cat or previous cats. They live in terror in the car. One used to pant like she couldn't breathe... So there must be some common cause if they all didn't like going in the car, something bad. Do you take them anywhere other than to the vet? I wouldn't want to go in the car...
by cheese_breath
Thu Jul 05, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4044

Re: Is there a current car without a console between the front seats?

.... It's like every time I want to open the back door now, I have to unlock the front door, push unlock and then open the back door. Every time I do that I wish the back door accepted a key.... I got an answer for that one anyway. Get a car with remote keyless door locks. I press my key fob once, ...
by cheese_breath
Thu Jul 05, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor: Jazz Wealth (CRD #282807)
Replies: 21
Views: 983

Re: Financial Advisor: Jazz Wealth (CRD #282807)

https://adviserinfo.sec.gov/Firm/282807 https://www.jazzwealth.com/ https://www.youtube.com/channel/UCCFkdk7tmcgvgTe9G0lrmUA HA! Their registration date is 2018! How exactly can they report a 5-year performance? Are they just "guessing" what they would have gotten if they had been around for 5 year...
by cheese_breath
Thu Jul 05, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor: Jazz Wealth (CRD #282807)
Replies: 21
Views: 983

Re: Financial Advisor: Jazz Wealth (CRD #282807)

59 Google reviews, a great number of them within the past month, and not one less than 5 stars. Does that make anyone suspicious?
by cheese_breath
Thu Jul 05, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4044

Re: Is there a current car without a console between the front seats?

mouses wrote:
Thu Jul 05, 2018 11:04 am
barnaclebob wrote:
Thu Jul 05, 2018 10:31 am
How often does this cat have to go to the vet? Is it really that big of an issue to put it in the passenger seat using the passenger door and then walk around to the driver door?
It's not just the cat. I am always putting stuff in the passenger's seat
Can't you put the stuff in the trunk?
by cheese_breath
Thu Jul 05, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Party for 30
Replies: 15
Views: 1664

Re: Party for 30

Any parks nearby with sheltered picnic areas you can rent? They usually have built in grills. You and DD could do the grilling yourselves or hire someone do do it. And the kids won't be destroying the house.
by cheese_breath
Thu Jul 05, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4044

Re: Is there a current car without a console between the front seats?

Prior generation Chevy Impala, many of the base trim level cars had a bench seat, they made these cars until 2016 or so as a fleet-only model, plenty of used ones around and they are relatively cheap and reliable. But even then the bench seat cost more than the console. When we got ours DW wanted b...
by cheese_breath
Thu Jul 05, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4044

Re: Is there a current car without a console between the front seats?

Prior generation Chevy Impala, many of the base trim level cars had a bench seat, they made these cars until 2016 or so as a fleet-only model, plenty of used ones around and they are relatively cheap and reliable. But even then the bench seat cost more than the console. When we got ours DW wanted b...
by cheese_breath
Thu Jul 05, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18038

Re: Morningstar: prepare for a lost decade for U.S. stocks

Jordan4FI wrote:
Thu Jul 05, 2018 8:41 am
Sure hope not, this is supposed to be my final 10 years of working...
Well then doesn't mean you'll have 10 years of buying cheap before the next surge?
by cheese_breath
Wed Jul 04, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 61
Views: 5014

Re: Chipmunk problem

Miriam2 wrote:
Mon Jul 02, 2018 4:29 pm
munemaker wrote: When I release the chippees (about 3 miles away), they seem to be delighted with their new environment. They can catch up with their relocated friends.
A heartwarming story - see, we can all get along :D
A chippie expat community. Who wouldda thought.