Search found 7812 matches

by cheese_breath
Thu Oct 18, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 37
Views: 1881

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: 37
Views: 1881

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: 37
Views: 1881

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: 37
Views: 1881

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: 37
Views: 1881

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: 1769

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: 1134

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: 1085

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: 2310

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: 3869

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: 1104

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: 5742

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: 1104

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: 5742

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: 5742

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: 1104

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: 5742

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: 5042

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: 1660

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: 5042

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: 1870

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: 5042

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: 1870

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: 1870

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: 5889

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: 4674

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: 994

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: 994

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: 994

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: 2433

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: 2499

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: 1722

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.
by cheese_breath
Fri Oct 12, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3042

Re: Home Purchase - Sellers Request Help with Repairs

Walk away. These aren't the kind of people you want to deal with. Chip in for the septic system, and that won't be the last of it.
by cheese_breath
Fri Oct 12, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3125

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

123 wrote:
Fri Oct 12, 2018 11:08 am
A Volvo with 70,000 miles is barely into puberty.
And when they reach that stage do they start sniffing around Mazda tailpipes? :shock:
by cheese_breath
Fri Oct 12, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1712

Re: Morse Code Glide Path

oldcomputerguy wrote:
Fri Oct 12, 2018 11:06 am
cheese_breath wrote:
Fri Oct 12, 2018 9:30 am
When I saw Morse Code I was expecting dots and dashes. :D
You mean dits and dahs?
:wink:
OK for sound. But the forum doesn't have sound features, ergo dots and dashes here. :D
by cheese_breath
Fri Oct 12, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Will or Trust?
Replies: 9
Views: 876

Re: Will or Trust?

When you went to the attorney did you ask him or her? What did (s)he say?
by cheese_breath
Fri Oct 12, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3125

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

Whenever the destination is within reasonable driving distance I drive my own car. That's why I have one. Yes - as long as your car meets the needs of the trip. Good point. I wouldn't drive a MINI Cooper cross country, but then I don't own a MINI Cooper. I've always bought my vehicles assuming they...
by cheese_breath
Fri Oct 12, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1712

Re: Morse Code Glide Path

Morse Code wrote:
Fri Oct 12, 2018 9:38 am
cheese_breath wrote:
Fri Oct 12, 2018 9:30 am
When I saw Morse Code I was expecting dots and dashes. :D
Yeah. I thought that subject line would pique some curiosity, get more views. :D
Well it worked, at least for me. :happy
by cheese_breath
Fri Oct 12, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3125

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

Whenever the destination is within reasonable driving distance I drive my own car. That's why I have one.
by cheese_breath
Fri Oct 12, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1712

Re: Morse Code Glide Path

Interesting, I am doing something in a similar fashion, though I don't have a formula. For a $1.5 million portfolio, my max equity balance would be $750K. I check balances quarterly. Anything over $750K goes to bonds. If its under do nothing. Once bond balance gets to $750K allow both to grow equal...
by cheese_breath
Fri Oct 12, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1712

Re: Morse Code Glide Path

When I saw Morse Code I was expecting dots and dashes. :D
by cheese_breath
Fri Oct 12, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contri's vs Trad 401k vs Roth 401k
Replies: 23
Views: 866

Re: After Tax 401k Contri's vs Trad 401k vs Roth 401k

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 money or materials, and the person entrusted to carry out his wishes comes here to seek out other options. Why not just do what he asked you to do period. You don't h...
by cheese_breath
Thu Oct 11, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contri's vs Trad 401k vs Roth 401k
Replies: 23
Views: 866

Re: After Tax 401k Contri's vs Trad 401k vs Roth 401k

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 money or materials, and the person entrusted to carry out his wishes comes here to seek out other options. Why not just do what he asked you to do period. You don't ha...
by cheese_breath
Thu Oct 11, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Copy/paste from sister's Living Trust?
Replies: 18
Views: 1478

Re: Copy/paste from sister's Living Trust?

Unless you understand every single word in her trust and your situation is exactly like hers down to the last minute detail I think you need a lawyer. Actually I think you need a lawyer anyway. This is too serious a matter to pinch pennies on.
by cheese_breath
Thu Oct 11, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3111

Re: Budget Coffee

Whatever's on sale at Krogers.
by cheese_breath
Thu Oct 11, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 38
Views: 1802

Re: Route-66 trip recommendations

Been there done that. 1965, before the song and the interstate . LA to Chicago in non air conditioned Buick Roadmaster with parents and three siblings and family dog, pulling pop up trailer which we slept in at night. I was teenager just got license so did lots of driving. My memories, lots of gas ...
by cheese_breath
Thu Oct 11, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2433

Re: What would you do with some bulk silver?

How close is grandpa to the kids. Maybe he wants the kids to have something to remember him by. Old folks have done stranger things than give silver for remembrances.
by cheese_breath
Thu Oct 11, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 38
Views: 1802

Re: Route-66 trip recommendations

Well, I'm a standing on a corner in Winslow, Arizona and such a fine sight to see It's a girl, my Lord, in a flatbed Ford slowin' down to take a look at me Best bet is to buy a picture book showing the old 66 towns and attractions and spend some time with it on the couch. I had one but think it got ...
by cheese_breath
Thu Oct 11, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4674

Re: Keep a backup hot water heater?

You probably should keep a backup furnace too to protect against those cold winter days, or backup AC if you live down South. Maybe a backup stove for holiday dinners? (That actually happened to me. The coil started sparking inside the oven, and we ended up buying already baked turkey breasts from t...
by cheese_breath
Wed Oct 10, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: invest in sears bond maturing next week 10/15 , trading at 58c on the $
Replies: 18
Views: 2560

Re: invest in sears bond maturing next week 10/15 , trading at 58c on the $

You've been a forum member closing in on eleven years and have 648 posts. What do you think?