Search found 7723 matches

by cheese_breath
Tue Sep 25, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Uniters “worry no more” furniture warranty added to price without me knowing
Replies: 9
Views: 765

Re: Uniters “worry no more” furniture warranty added to price without me knowing

The Chevy dealer tried to do something like this when I bought my Silverado some years ago. They slipped a bed liner into the order without telling me, but I caught it before I signed the contract. She said they always include the bed liner because she knew truck owners would need it. I told her I'd...
by cheese_breath
Tue Sep 25, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Investment types in a no-growth environment
Replies: 6
Views: 465

Re: Investment types in a no-growth environment

Hi everyone, I was discussing with a friend recently about investments strategies, more particularly in a world with limited future growth prospects and I would like to have your opinion. So let's make the assumption that Long term growth at the global level is limited or non-existent (given the sc...
by cheese_breath
Tue Sep 25, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: DIYers Taking a Toll
Replies: 47
Views: 5079

Re: DIYers Taking a Toll

He warned me that anyone can do well with index investing in a bull market but when/if it changes indexers will get crushed. seems like your son still has a lot to learn. Seems he's learned the company line pretty well. Let's pray this setback turns into an opportunity for him to get into an honest...
by cheese_breath
Mon Sep 24, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Don't try this at home?
Replies: 8
Views: 1934

Re: Don't try this at home?

I manage a portfolio of dough :moneybag all by myself. :happy So does the Dunkin Donuts baker... Anyone remember that commercial? It shows the baker coming in at 3:00am to make the donuts so we can have fresh ones in the morning. Now how did that pop into my mind decades after the commercial ran? :...
by cheese_breath
Mon Sep 24, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: An algorithm that decides whether it's worth trading to avoid a dividend
Replies: 15
Views: 1257

Re: An algorithm that decides whether it's worth trading to avoid a dividend

This is too long and complicated for me, but I do have one have one question. Does your algorithm protect against you trading into a dividend from the fund you're trading into?
by cheese_breath
Mon Sep 24, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5364

Re: Ripped off by a locksmith

Broken Man 1999 wrote:
Mon Sep 24, 2018 4:04 pm
If you have a garage, just hide a key somewhere and you will never be locked out again....
I had two keys in my garage because I forgot where I hid the first one. I wanted to put it somewhere nobody would find it, but then I couldn't find it either. :oops:
by cheese_breath
Mon Sep 24, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5364

Re: Ripped off by a locksmith

You should have called the company first. It's possible they might have made it good, or maybe not. I'm surprised the cc company didn't ask you if you called the company.
by cheese_breath
Sun Sep 23, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Can salt water kill weeds permanently?
Replies: 18
Views: 2805

Re: Can salt water kill weeds permanently?

Whatever weeds it kills, I can almost guarantee other ones will take their place. In MI where I lived until this year the winter salt trucks spray their salt all over the lawn by the street, and yet there's a new crop of weeds there every spring.
by cheese_breath
Sun Sep 23, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee
Replies: 2
Views: 291

Re: Trustee

Assuming you need a trust with no children, are there other close family members you would trust to manage the trust?
by cheese_breath
Sun Sep 23, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Don't try this at home?
Replies: 8
Views: 1934

Re: Don't try this at home?

Some people are more adept at certain things than others. You seem to be more adept at those things, but I wouldn't recommend everyone try doing them. There's a reason for the safeties on various tools; many less adept have been injured using them. I have a table saw but wouldn't think about trying ...
by cheese_breath
Sun Sep 23, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question
Replies: 10
Views: 369

Re: IRA Contribution Question

If your tIRA and Roth are both with the same custodian, most of them provide online processes for Roth conversions.
by cheese_breath
Sun Sep 23, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3509

Re: How to get rid of rabbits

They are cute and fluffy. So are moose. I eat those too. Bullwinkle? :shock: I figure that unless you're a vegetarian, you've got no moral argument to argue against hunting/eating wild game. Seems far more ethical to allow animals to live a full life in their natural environment before a few second...
by cheese_breath
Sat Sep 22, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3509

Re: How to get rid of rabbits

Dingos
by cheese_breath
Sat Sep 22, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2442

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

I bought a Chromebook a few years ago. I'm typing on it now. Can't think of anything else.
by cheese_breath
Sat Sep 22, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: Has anyone gone to a Retirement Wealth Academy seminar?
Replies: 17
Views: 1618

Re: Has anyone gone to a Retirement Wealth Academy seminar?

1030danielle wrote:
Sat Sep 22, 2018 10:59 am
...they say they are not selling anything, but ....
But lunch costs $250,000
by cheese_breath
Fri Sep 21, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for sixty something sister
Replies: 22
Views: 2022

Re: Trustee for sixty something sister

TomatoTomahto wrote:
Fri Sep 21, 2018 6:33 pm
I would respect my parents’ wishes, even if it’s a PITA. It’s the least you can do.
+1
Distribute it over 10 years; don't accelerate. If you can't do that tell them to choose another trustee.
by cheese_breath
Fri Sep 21, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 2983

Re: Simple-minded sayings?

bloom2708 wrote:
Fri Sep 21, 2018 1:59 pm
.... Stupid is as stupid does....
Can't change stupid.
by cheese_breath
Fri Sep 21, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 2983

Re: Simple-minded sayings?

It ain't over till it's over.
by cheese_breath
Thu Sep 20, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 2983

Re: Simple-minded sayings?

Money is fungible.
by cheese_breath
Wed Sep 19, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2789

Re: Moving to Dallas, how to establish residency

https://txdmv.gov/motorists/new-to-texas Update car insurance In Texas, you must show you have insurance coverage for a minimum of $30,000 per injured person, up to a total of $60,000 for everyone injured in an accident, and $25,000 for property damage Have vehicle inspected Bring your insurance car...
by cheese_breath
Wed Sep 19, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Social Security vs. pre-tax savings
Replies: 6
Views: 597

Re: Social Security vs. pre-tax savings

"Deferred compensation shouldn't affect Social Security benefits."

https://finance.zacks.com/deferred-comp ... 11598.html
by cheese_breath
Mon Sep 17, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Gas leak detector?
Replies: 21
Views: 1111

Re: Gas leak detector?

Canaries. :D
by cheese_breath
Sun Sep 16, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance asking to repay for services not provided
Replies: 20
Views: 2231

Re: Insurance asking to repay for services not provided

I am sorry I might not have been very clear. The dentist charged me $450 for the services that they did not provide and the insurance about $630. The dentist has repaid to me the $450 that I paid them, but has not paid the $630 to the insurance company. The dentist keeps telling me they will pay th...
by cheese_breath
Sun Sep 16, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does cash at Ally count in my asset allocation?
Replies: 22
Views: 1891

Re: Does cash at Ally count in my asset allocation?

If it's not your emergency fund I'd consider it part of your AA fixed assets.
by cheese_breath
Fri Sep 14, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs EJ
Replies: 16
Views: 998

Re: 3 fund vs EJ

Find out the front end loads and fees EJ is charging. They're not very transparent. http://kronstantinople.blogspot.com/p/edward-jones-saga.html Well he is not with EJ anymore so he is not paying any of the advisor fees. He will still pay a front end load but that doesn't seem to phase him as much ...
by cheese_breath
Fri Sep 14, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3401

Re: Buying a house 1 mile away from a municipal landfill

Can someone enlighten me because the last time I bought a house was in 1980. I don't remember home inspections being required then, so maybe this is a stupid question. But aren't inspections about the house? What inspection clause allows someone to back out of the deal because there's a landfill a m...
by cheese_breath
Thu Sep 13, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Compact Discs Cosmetic Defect?
Replies: 3
Views: 311

Re: Compact Discs Cosmetic Defect?

I purchased a two cd set that was advertised in very good condition and links below show photos of what I received. They play perfectly with no skips. I'm wondering if this is manufacturing error, cosmetic defect or do certain cd manufacturing companies' coatings have this pattern? http://tinypic.c...
by cheese_breath
Thu Sep 13, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3401

Re: Buying a house 1 mile away from a municipal landfill

sc9182 wrote:
Thu Sep 13, 2018 9:21 pm
If you work at/near the dump, your home location may be golden. The short commute, minimal odor compared to work. ...
Even better, get a job at the dump.
by cheese_breath
Thu Sep 13, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons
Replies: 21
Views: 1402

Re: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons

Isn’t residency training super rigorous? How would you find time to run subs much less swing your own hammer. +1 Even if you have X hours per week to to work on the house then will likely be at the wrong time since a contractor might need to meet you at 10:00 AM on Tuesday when you have other commi...
by cheese_breath
Thu Sep 13, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3199

Re: How to help teenager fix silly mistakes in math?

Have you ever considered the possibility that she may have dyslexia. The reason I say this is because I am dyslexic, and I see what appears to be symptoms of dyslexia in your daughter. Edited to add: I experienced most everything you described about your daughter. Even this, " I see the occasional ...
by cheese_breath
Thu Sep 13, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional to Roth conversion
Replies: 9
Views: 712

Re: Traditional to Roth conversion

slow n steady wrote:
Thu Sep 13, 2018 2:54 pm
I thought we weren’t able to recharacterize anymore.
Have to take your word for it. I didn't know that.
by cheese_breath
Thu Sep 13, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional to Roth conversion
Replies: 9
Views: 712

Re: Traditional to Roth conversion

Open a new Roth in case you want to recharacterize later. You can combine both Roths into one after the recharacterization period has passed.
by cheese_breath
Thu Sep 13, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2826

Re: Toilet Makes A Flushing Sound Occasionally

Mine makes this sound every time I push the little lever. ... Sorry. Couldn't resist. Thanks for the giggle, Bryanm! That was my first thought too when I saw the thread title, but didn't have the guts to say so. OP, I'm no pro so I defer to others, but I'm guessing it's a simple flapper issue as ot...
by cheese_breath
Wed Sep 12, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2826

Re: Toilet Makes A Flushing Sound Occasionally

Another possibility is the chain attached to the flapper might have a kink in it stopping it from closing completely.
by cheese_breath
Wed Sep 12, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3401

Re: Buying a house 1 mile away from a municipal landfill

I used to live about a mile from a landfill and never experienced any problems from it. But I was there before the land became a landfill. I wouldn't intentionally buy that close to one.
by cheese_breath
Wed Sep 12, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Roth @ a Financial Advisor
Replies: 33
Views: 1752

Re: Wife's Roth @ a Financial Advisor

bigdawgwill44 wrote:
Wed Sep 12, 2018 4:54 pm
...She is skeptical moving from this guy (who she has never met) because the account seems to have done well....
Compared to what? The whole stock market's done well for the past few years. What's she measuring her Roth's increase against?
by cheese_breath
Tue Sep 11, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5700

Re: Using your home as old age care self-insurance?

snipped ... Have you ever spent time in a nursing home? Yes I agree with financial sense. I have DW there right now because I can't afford better. But 24/7 professional help and personal sense? Yes, you get a bed and three meals per day if you can stomach the same menu week after week. DW has been ...
by cheese_breath
Mon Sep 10, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6701

Re: I think my father has a gambling problem

sawhorse wrote:
Sun Sep 09, 2018 1:43 pm
He said he does it for fun and isn't addicted. He said he doesn't have an addictive personality as he's never been addicted to anything in his life, which is true.
Addictive personality means nothing. Different people have different addictions. I think he has a problem too.
by cheese_breath
Mon Sep 10, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Between these two index funds - which one is best?
Replies: 9
Views: 1288

Re: Between these two index funds - which one is best?

On a scale of 1-100 I'd give S&P 98 and TSM 99 just because TSM is a teeny weeny bit more diversified. IMO the difference in returns is negligible. I've had both in my portfolio, switching between the two when tax loss harvesting.
by cheese_breath
Mon Sep 10, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5700

Re: Using your home as old age care self-insurance?

Well, how about paying for home health? In 1) works okay to a point, until you realize that you have the option of either 24x7 help (well over 100k a year) or maybe just 8 or 16 hours of help per day, but well, you never sleep because the person needing help wanders (at night .... at random times ....
by cheese_breath
Sun Sep 09, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5700

Re: Using your home as old age care self-insurance?

Well, how about paying for home health? In 1) works okay to a point, until you realize that you have the option of either 24x7 help (well over 100k a year) or maybe just 8 or 16 hours of help per day, but well, you never sleep because the person needing help wanders (at night .... at random times ....
by cheese_breath
Fri Sep 07, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2593

Re: How do you handle Healthcare costs in retirement

I'm curious on how others on this board are handling healthcare costs in retirement. Specifically two questions; (1) For those on Medicare, do you find you need supplemental insurance and is it expensive ? (2) For those retiring earlier than 65 , not on medicare but possibly enrolling in ACA, do yo...
by cheese_breath
Fri Sep 07, 2018 3:16 am
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2460

Re: Certified Pre-Owned Cars (CPO): Is this normal?

It is false advertising. It probably was a certified car -- they just made you pay for it twice. "Rusty Jones" all over again. You want the "out-the-door price" when negotiating; everything else is fiction. I would have made a stink and, rather than walk away, would have insisted that they honor th...
by cheese_breath
Fri Sep 07, 2018 3:08 am
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5700

Re: Using your home as old age care self-insurance?

I'm planning to sell the house if I go into care. If I go into care, I'll obviously be too infirm to maintain a house when I get out. So the house should go, even if I have loads of other assets I could use. I hope you've given someone your POA so they can do it for you if you're incapacitated.
by cheese_breath
Fri Sep 07, 2018 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5700

Re: Using your home as old age care self-insurance?

I am sort of planning on obtaining a reverse mortgage if one of us winds up needing long term care. We have a fully paid off house and it is unlikely that anyone would sell us long term care insurance at a reasonable price. What if both of you simultaneously need long-term care? The reverse mortgag...
by cheese_breath
Thu Sep 06, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8138

Re: Scaring the Old Folks

John88 wrote:
Thu Sep 06, 2018 7:28 pm
Duplicate don't know how to delete
Once someone's posted after you, you can't delete anymore.
by cheese_breath
Thu Sep 06, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8138

Re: Scaring the Old Folks

I've had 6 restaurant-prepared meals just this week for $22. You must eat like a mouse, livesoft! :P I would like to know what those meals were :-) Yes. Details, please. :D Maybe...2 Whoppers @$6.00 three times equals $18.00 for six meals. Free senior coffees. Still leaves $4.00 for splurges. :D ed...
by cheese_breath
Thu Sep 06, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8138

Re: Scaring the Old Folks

I've had 6 restaurant-prepared meals just this week for $22. You must eat like a mouse, livesoft! :P I would like to know what those meals were :-) Yes. Details, please. :D Maybe...2 Whoppers @$6.00 three times equals $18.00 for six meals. Free senior coffees. Still leaves $4.00 for splurges. :D
by cheese_breath
Thu Sep 06, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Dad's Finacial Paperwork
Replies: 8
Views: 1068

Re: Dad's Finacial Paperwork

My MIL never threw anything out. That's good and bad. I eventually found everything I needed, but I had to go through scores of trash bags filled with everything from processed checks and bank statements back to the creation of time to grocery receipts from 1966. Managed to skinny it all down to one...
by cheese_breath
Thu Sep 06, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dad's Finacial Paperwork
Replies: 8
Views: 1068

Re: Dad's Finacial Paperwork

I would at least keep a digital copy of the tax returns. I would also keep the death certificates. I just used one to claim $16 in a random account belonging to my dad who passed 10 years ago. I just used one of MIL's death certificates (died over 2 years ago) to become POA on a Chase checking acco...