Search found 7269 matches

by cheese_breath
Sat Feb 24, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 37
Views: 3278

Re: How Secure Is Your Apartment

On the subject of safes, I think I'd prefer one big heavy one than multiple smaller ones. Any thoughts whether apartments would object to something around 300 pounds?

Also, how much heat builds up inside safes? Would it get hot or humid enough to damage electronic devices stored inside?
by cheese_breath
Sat Feb 24, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 37
Views: 3278

Re: How Secure Is Your Apartment

I have a condo, which I suppose is apartment like. Nobody has access to my door keys outside of myself and my wife. Not saying this is a bad idea , but you should know the risks. If there is an emergency situation and your on-site building manager (if you have one) doesn't have the keys, the fire d...
by cheese_breath
Fri Feb 23, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 37
Views: 3278

Re: How Secure Is Your Apartment

gretah wrote:
Fri Feb 23, 2018 12:02 am
... Don't use wifi for banking and financial dealings - even if password protected, even if on VPN....
Are you referring to the apartment complex wifi or my own wifi with my own password protected router?
by cheese_breath
Thu Feb 22, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 37
Views: 3278

Re: How Secure Is Your Apartment

... Any comments on the security of indoor self storage units? To expand on my own question. The U-Haul near us has a pretty nice setup with indoor self storage. The smaller units I'd want are on the second floor. I think I'd feel safe with that. Any comments on the U-Haul units? There's one near m...
by cheese_breath
Thu Feb 22, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 37
Views: 3278

Re: How Secure Is Your Apartment

Unfortunately my old ' keep everything because you never know what you might need years later ' habits are catching up with me. Houses with big basements provided the luxury of more storage space that I ever needed, and I have boxes of records going back many, many years. Much more than I could fit ...
by cheese_breath
Wed Feb 21, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 37
Views: 3278

How Secure Is Your Apartment

So after winter ends and the weather improves we're hoping to finally move DW to a nursing home in Texas to be near her daughter, grandchildren and great grandchildren. The plan is to sell the house, and I'll take an apartment near the new nursing home. I've never lived in an apartment before, so I'...
by cheese_breath
Wed Feb 21, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: When is Costco cash back coupon arriving?
Replies: 23
Views: 1863

Re: When is Costco cash back coupon arriving?

Mine was printed on the last page of my last bill.
by cheese_breath
Thu Feb 15, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Interest-only mortgage/HELOC as a refi? (retired and low income)
Replies: 12
Views: 734

Re: Interest-only mortgage/HELOC as a refi? (retired and low income)

Interest only mortgages enable people to purchase houses they can't afford. They might be OK for younger folks with rising incomes that will enable them to absorb the increased payments when the zero interest term ends, but not for older folks on fixed incomes. Seems like your friend is one of the l...
by cheese_breath
Thu Feb 15, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Friend with extremely high interest credit card debt
Replies: 20
Views: 1516

Re: Friend with extremely high interest credit card debt

Don't let her problem become your problem.
by cheese_breath
Thu Feb 15, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1440

Re: Keep crows off of chimney caps

Get a falcon to patrol the chimney caps.
by cheese_breath
Thu Feb 15, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy to sell a sought-after condo
Replies: 15
Views: 1001

Re: Strategy to sell a sought-after condo

There is a real estate agent in our area who seems to have the following M.O. during seller-friendly markets. Holds an open house over an upcoming weekend. Home is available for touring for a few hours on both Saturday and Sunday. (in addition to other times agreeable to seller leading up to the we...
by cheese_breath
Sat Jan 27, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 107
Views: 6892

Re: Who taught you about financial responsibility?

I suppose my parents. They started giving me a small weekly allowance and a piggy bank when I was very, very young. Once I spent my allowance I didn't get any more until the next week. But if I saved some in the piggy I could use it to pay for things I really wanted instead .
by cheese_breath
Sat Jan 27, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: One time big mortgage payment...
Replies: 4
Views: 743

Re: One time big mortgage payment...

The interest you pay is based on the outstanding balance of the loan. A big payment that reduces the outstanding balance sooner will result in less interest paid and quicker payoff of the loan. Whether it's worth doing depends on what you might have earned investing the $120K in something else inste...
by cheese_breath
Wed Jan 24, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance company wants money back
Replies: 45
Views: 4523

Re: Life insurance company wants money back

....The funeral home had offered to file the death benefit claim for him, and get paid from that. He brought up the date of birth discrepancy, but the funeral home employee said it would be best not to mention it to the insurance company and let them deny the claim or adjust the death benefit if/wh...
by cheese_breath
Sun Jan 21, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Excel for Personal Finance Accounting ?
Replies: 42
Views: 3464

Re: Excel for Personal Finance Accounting ?

I've used Excel for over 2 decades. It might not have all the fancy bells and whistles of some packages, but it enables me to do what I want.
by cheese_breath
Wed Jan 17, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased mother's Financial Advisor wants $500+ to convert to bene IRA
Replies: 31
Views: 2599

Re: Deceased mother's IRA co wants $500+ to convert to bene IRA

James2 wrote:
Wed Jan 17, 2018 3:14 pm
When my wife inherited a Trad IRA and Roth IRA, there were no fees to setup the beneficiary accounts...
Even Chase Bank converted an IRA DW inherited from her mother at no charge.
by cheese_breath
Tue Jan 16, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1582

Re: FlipPhone

Our main phone is a land line, but have an AT&T flip phone as backup. I don't know what the phone itself cost as it was a Christmas gift from granddaughter. She was afraid the car might break down somewhere in Bubba land on one of our trips between MI and TX and wanted for us to have a way to call f...
by cheese_breath
Tue Jan 16, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3278

Re: How long do you save tax returns?

When in doubt, throw it Out! We keep a couple years only. +1 Having had to go through a deceased relative's 40 years of paper work and determine what needed to be shredded and what needed to be kept, do your heirs a favor and clean up. It took WEEKS to shred everything and we still had three banker...
by cheese_breath
Sun Jan 14, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8100

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Flobes wrote:
Sun Jan 14, 2018 1:25 pm
Global100 wrote:
Sun Jan 14, 2018 11:28 am
What types of unexpected emergencies for individuals would require a larger amount of instant cash available immediately that cannot wait for a wire of funds or next business day transfer?
Funeral.
The funeral home took credit cards when my MIL died in 2016.
by cheese_breath
Sun Jan 14, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3278

Re: How long do you save tax returns?

Gill wrote:
Sun Jan 14, 2018 2:44 pm
... Have my returns back to the first one I filed in 1963...
Mine go back ro 1959. Anyone earlier, or do I win the contest? :happy
by cheese_breath
Sun Jan 14, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1316

Re: Replacement Suggestions For Microwave Oven

The Google Maps street view of our house shows the GE service truck in the driveway. :annoyed Street View of my house shows a pile of rubbish waiting for the rubbish pickup folk. Really, Google ought to give people some advance notice :-) Street view of my house is half blocked by a big tree. If th...
by cheese_breath
Sun Jan 14, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1316

Re: Replacement Suggestions For Microwave Oven

The Google Maps street view of our house shows the GE service truck in the driveway. :annoyed Street View of my house shows a pile of rubbish waiting for the rubbish pickup folk. Really, Google ought to give people some advance notice :-) Street view of my house is half blocked by a big tree. If th...
by cheese_breath
Fri Jan 12, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1316

Re: Replacement Suggestions For Microwave Oven

I’ve had a few microwaves over the years with lots of features like auto reheat and popcorn or pizza settings. I never used any of these. So when my last expensive microwave bit the dust I bought the cheapest thing I could find. $99 for an over the range microwave. Even had a turntable. It was not ...
by cheese_breath
Tue Jan 02, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: [How much should I give to charity?]
Replies: 17
Views: 1594

Re: Generosity

There once was a charity called the Community Chest many decades ago. Apparently it morphed into today's United Way. Anyhow they used "Give untill it hurts" as their slogan. Once as they were collecting in our elementary school one of the teachers said "Don't give untill it hurts. Give untill it fee...
by cheese_breath
Tue Jan 02, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5982

Re: Long Term House—Any Regrets on things you didn’t do?

I was too frugal and wouldn't pay the few extra bucks the builder wanted to install an outside electrical outlet at the front of the house. Now I have to run extension cords from the garage or out the front door to do anything there.
by cheese_breath
Mon Jan 01, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: No earned income, how do you pay tax for pensions, SS and RMDs
Replies: 43
Views: 3695

Re: Retirees: No earned income, how do you pay tax for pensions, SS and RMDs

All my income (pensions, SS, IRA withdrawals) goes into my checking account. From there some is used to pay living expenses, some goes into savings & investments, and some goes to pay quarterly estimated taxes. I don't have anything withdrawn from anything. It all goes into the checking account, and...
by cheese_breath
Mon Jan 01, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5904

Re: Keeping a checkbook register

scrabbler1 wrote:
Fri Dec 29, 2017 10:36 am
I keep a checkbook register but also have a spreadsheet which replicates the paper register and does a lot more than the register itself.
Ditto.
by cheese_breath
Mon Jan 01, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Are you generous? If so, why?
Replies: 7
Views: 1183

Re: Are you generous? If so, why?

I'm a lot more generous since three ghosts visited me one night.
by cheese_breath
Sun Dec 31, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 450
Views: 35529

Re: What frugal thing did you do today?

Ate leftovers.
by cheese_breath
Sun Dec 31, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: 2018 RMD - appropriate action or investment
Replies: 2
Views: 219

Re: 2018 RMD - appropriate action or investment

I can't answer your question, but I'll give you another one. Should you just withdraw it right now and invest it in taxable accounts? Even a basic FDIC insured savings account in many online banks will earn more than the Prime money market fund. Note: If you intend to do any QCDs during the year, re...
by cheese_breath
Fri Dec 29, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18711

Re: Do people still use AAA?

I just signed up for AAA Plus a few days ago, which included notary service, which is why we went there in the first place. Thought that was nice. Just as FYI in my area notary service is very easy to find. My local bank, local insurance agent, etc. all have registered notaries as a free community ...
by cheese_breath
Mon Dec 25, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Buy a home or invest at 5%
Replies: 26
Views: 1823

Re: Buy a home or invest at 5%

.....The decision of whether to buy a home or invest is mostly independent of a decision whether to invest at all. Do you want to own a home? Will you be able to afford the mortgage payments and the cost of maintenance? How long do you expect to stay in the home? (You lose about 10% to transaction ...
by cheese_breath
Mon Dec 25, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Saga of the travels of a US Postal Service Shipment
Replies: 9
Views: 1534

Re: Saga of the travels of a US Postal Service Shipment

Be thankful the tracking system is working. I've mailed important letters with certified mail where the tracking information stopped about halfway to the destination. Fortunately they all got where they were supposed to go, but you'd never know it from the tracking information.
by cheese_breath
Sun Dec 24, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18711

Re: Do people still use AAA?

My parents used to go to AAA to get the giant book of maps, and the "triptik" where the person would highlight the interstate routing etc, and all the "books" for each state with the hotels etc. That is all dinosaur stuff today when we carry smartphones. I have never, and will never, carry along a ...
by cheese_breath
Thu Dec 21, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4201

Re: Different ways to order coffee

Only two ways, drive through or at the counter.
by cheese_breath
Thu Dec 21, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51153

Re: Can I pre-pay 2018 mortgage and deduct interest on 2017 taxes?

I don't understand why you're so gung ho to pay interest early when you only get a portion of it refunded. How much depends on your tax bracket. If you have extra money put it toward paying down the principal where 100% of it reduces your outstanding balance.
by cheese_breath
Thu Dec 21, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do you include your house in your net worth if you own it outright?
Replies: 89
Views: 6582

Re: Do you include your house in your net worth if you own it outright?

I have read several articles and opinions on this through the years. Some say yes and others say no. Thoughts? I think you will get several opinions where some say yes and others say no. On Monday, Wednesday, and Friday...I include it. On Tuesday, Thursday, and Saturday...I don't. And you don't wor...
by cheese_breath
Tue Dec 19, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Any last minute shopping ideas for a spouse?
Replies: 22
Views: 2230

Re: Any last minute shopping ideas for a spouse?

Plane tickets and hotel reservations for two at a nice getaway location so she can use the nice luggage you will give her.
by cheese_breath
Tue Dec 19, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3067

Re: Hotel $50-500/night Expectations

For $50 I hope for a solid door with good locks and windows with iron bars.
by cheese_breath
Wed Dec 06, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: House Purchase question
Replies: 1
Views: 358

Re: House Purchase question

Put it in a different savings account with a better rate of return. For example, you could get an 18 month high yield CD paying 1.70% at Ally Bank right now.
by cheese_breath
Wed Dec 06, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18711

Re: Do people still use AAA?

I cancelled all my AAA insurances a couple years ago because they got too expensive, but I kept the membership for road service and the discounts. Any yes, I've called AAA to change tires. I'm too old to mess around with that.
by cheese_breath
Sat Dec 02, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 11324

Re: Price of haircut?

pfrank wrote:
Sat Dec 02, 2017 7:42 am
Free. We have a Oster 76 ...
First thing I thought of when I saw this was a blender. :shock:
by cheese_breath
Fri Dec 01, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 11324

Re: Price of haircut?

fishandgolf wrote:
Fri Dec 01, 2017 7:43 pm
No hair = no hair cut.............but I do pay $75.00 to have my grass cut :shock:
How much if you add shampoo and blow dry?