Search found 7391 matches

by cheese_breath
Mon Jun 18, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Advisory Portfolios
Replies: 16
Views: 441

Re: Northwestern Advisory Portfolios

Monster99 wrote:
Mon Jun 18, 2018 11:28 am
Make sure that the benchmark index they use incudes the dividend - ins. co. like to use index benchmarks that make their funds look good....
They may be using a S&P price index.
by cheese_breath
Mon Jun 18, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA to Roth
Replies: 3
Views: 152

Re: Traditional IRA to Roth

Nothing wrong with letting it just sit there and grow for the next 30-40 years. It's just another piece of your portfolio.
by cheese_breath
Mon Jun 18, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: What is the largest charitable action you have performed in your life?
Replies: 13
Views: 570

Re: What is the largest charitable action you have performed in your life?

Dropped a nickel in a Salvation Army red kettle.

Is it really charity, or did I just purchase a nickel's worth of bragging time?
by cheese_breath
Mon Jun 18, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2184

Re: When most 401K savings are in one spouse's name

And here's my latest on my quest to get DW's address changed. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=250670&p=3977730#p3977730 It's even more complicated with SS because they don't recognize POAs. The SS is nothing if not bureaucratic; hopefully the doctor will come through quickly. ...
by cheese_breath
Sun Jun 17, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 138
Views: 13784

Re: Should I take possession of a certified mail?

The NEXT COUPLE OF DAYS??? :shock: We're hanging by our knuckles waiting to hear what's in the certified letter - and we have to wait a couple of days . . . :wink: I subscribed to this thread so I don't miss the stunning conclusion :) I have been known to go on vacation for several weeks . TravelGe...
by cheese_breath
Sun Jun 17, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2184

Re: When most 401K savings are in one spouse's name

Read https://www.nolo.com/legal-encyclopedia/how-can-i-safely-transfer-my-assets-get-medicaid-pay-long-term-care.html Pay special attention to the section Transfers for the Benefit of the Spouse with special, special attention to "Medicaid Annuities". And then see an elder law attorney to see if / ...
by cheese_breath
Sun Jun 17, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2184

Re: When most 401K savings are in one spouse's name

You definitely need POAs, both ways. You should have his, and he should have yours. Both financial and medical. Sorry to hear about your wife's stroke; glad she's recovering. I didn't realize POAs were needed for spouses. I was a court appointed guardian/conservator of my mother (when dad was too d...
by cheese_breath
Sun Jun 17, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Changing Address in Social Security
Replies: 15
Views: 1360

Re: Changing Address in Social Security

So here's the latest update on my quest. I phoned SS a couple weeks ago, explained I needed to become DW's representative payee so I could change her address, and asked what kind of documentation I should bring with me to the SS office. The SS rep said just bring documentation from the nursing home ...
by cheese_breath
Sun Jun 17, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 138
Views: 13784

Re: Should I take possession of a certified mail?

The NEXT COUPLE OF DAYS??? :shock: We're hanging by our knuckles waiting to hear what's in the certified letter - and we have to wait a couple of days . . . :wink: I subscribed to this thread so I don't miss the stunning conclusion :) I have been known to go on vacation for several weeks . TravelGe...
by cheese_breath
Sun Jun 17, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 26
Views: 1807

Re: Chipmunk problem

Put a screw in top of ramp underside and it acts as a hook to keep it from slipping off. 130 swimmers caught a few years back. Using special food from HD pest dept these days. Poison is such a harsh word for todays time! I broke my foot a few years back in a chippie hole so its been war ever since!...
by cheese_breath
Sun Jun 17, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2184

Re: When most 401K savings are in one spouse's name

You definitely need POAs, both ways. You should have his, and he should have yours. Both financial and medical. If one of you becomes incapacitated the other one needs legal authority to act in his / her name whether it's signing tax returns, selling jointly owned items, touching the other's retirem...
by cheese_breath
Sun Jun 17, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Mercantil Bank CD?
Replies: 3
Views: 220

Re: Mercantil Bank

Seems to me if it's FDIC insured it wouldn't matter if the parent company was on the moon.
by cheese_breath
Sun Jun 17, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 91
Views: 3661

Re: Which Supermarket are you?

Price and location are my primary concerns although I occasionally need to go to Whole Foods to get DWs dairy free pudding.
by cheese_breath
Sun Jun 17, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2184

Re: When most 401K savings are in one spouse's name

Read https://www.nolo.com/legal-encyclopedia/how-can-i-safely-transfer-my-assets-get-medicaid-pay-long-term-care.html Pay special attention to the section Transfers for the Benefit of the Spouse with special, special attention to "Medicaid Annuities". And then see an elder law attorney to see if / h...
by cheese_breath
Sun Jun 17, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 26
Views: 1807

Re: Chipmunk problem

JeffAL wrote:
Sun Jun 17, 2018 8:48 am
In many municipalities it is illegal to “relocate” pests....
My BIL has been talking about moving for years. Now I know why it hasn't happened.
by cheese_breath
Sat Jun 16, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 138
Views: 13784

Re: Should I take possession of a certified mail?

vested1 wrote:
Sat Jun 16, 2018 11:48 am
brucebuck1010 wrote:
Fri Jun 15, 2018 2:22 pm
Waiting with baited breath!
Only if you had sardines for lunch. :)

It's bated (he yells out the widow while driving away in the spelling police cruiser)!
Waiting with cheese baited breath,
by cheese_breath
Fri Jun 15, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 26
Views: 1807

Re: Chipmunk problem

I just bought the Havahart trap a few days ago. So far the chipmunks have eaten the peanut butter and escaped four times, even though the trap was set off. Not sure how this is happening. My wife is keeping score and so far CHIPMUNKS - 4, MUNEMAKER - 0. I am about to lose my heart and go for the "c...
by cheese_breath
Fri Jun 15, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Seller Financing on Land Sale
Replies: 7
Views: 722

Re: Seller Financing on Land Sale

Personally I've never liked the idea of seller financing. It makes me wonder why he can't get the financing somewhere else.

Sell it on a land contract. When he gets his own financing he can buy out the contract.
by cheese_breath
Fri Jun 15, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Private Sale test drive
Replies: 13
Views: 1167

Re: Private Sale test drive

I think you'd have a hard time finding a buyer if you didn't let them test drive it first.

Valid point about you never know who is showing up. (Are you sure you want to be in the car with them?) If you're that worried maybe you'd just better take your lumps and sell it to a dealer.
by cheese_breath
Fri Jun 15, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3288

Re: Too much house vs. just enough

dm200 wrote:
Fri Jun 15, 2018 12:55 pm
Will (or can) the boys share a bedroom?
Are you implying OP and his DW have separate bedrooms? :twisted:
by cheese_breath
Fri Jun 15, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3288

Re: Too much house vs. just enough

Any possibility of someday becoming a family of five?

A fourth bedroom might be nicer than the couch on 'fight night'. :P
by cheese_breath
Fri Jun 15, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 138
Views: 13784

Re: Should I take possession of a certified mail?

I remember 35+ years ago when I was living in California getting the note that the P.O. had certified mail for me. Getting it required a special trip on the way home from work so a pain in the butt. Turned out to be a state-mandated notice from my home insurance company that I had a special 30-day ...
by cheese_breath
Thu Jun 14, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 33
Views: 2186

Re: Role of Annuity For Savers Who have 20+ years until Retirement

Here's what FINRA has to say about it... http://www.finra.org/investors/alerts/equity-indexed-annuities_a-complex-choice Note: They don't call them Equity Indexed annuities anymore. They call them Fixed Index annuities now because too many people were learning about the bad points of EIAs. But it's...
by cheese_breath
Thu Jun 14, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 33
Views: 2186

Re: Role of Annuity For Savers Who have 20+ years until Retirement

Here's what FINRA has to say about it... http://www.finra.org/investors/alerts/equity-indexed-annuities_a-complex-choice Note: They don't call them Equity Indexed annuities anymore. They call them Fixed Index annuities now because too many people were learning about the bad points of EIAs. But it's ...
by cheese_breath
Wed Jun 13, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 2867

Re: death certificates...hospice and 911

coffeehubcap wrote:
Wed Jun 13, 2018 10:44 am
Bad choice of words on my part. I won't be calling 911 if I die at home. Thanks for all who shared.
But you might be if you die somewhere else??????
by cheese_breath
Tue Jun 12, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease for parents
Replies: 37
Views: 2489

Re: Car Lease for parents

Alexa9 wrote:
Sat Jun 09, 2018 4:40 pm
Your parents are at about the too old to drive age honestly. I'd be looking at nursing homes, not a new car.
I spend 20+ hours per day with DW in her nursing home. Unless you plan to do the same you might as well take them out behind the barn and shoot them. It would be more merciful.
by cheese_breath
Tue Jun 12, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 138
Views: 13784

Re: Should I take possession of a certified mail?

tim1999 wrote:
Tue Jun 12, 2018 2:10 pm
If he actually filed a suit against the OP, the paperwork on that would come from the court, not the handyman...
The official paperwork. But if this guy's a loony as OP would have us believe who know what he might send?
by cheese_breath
Tue Jun 12, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 138
Views: 13784

Re: Should I take possession of a certified mail?

Just hypothetically, let's say he's hired a lawyer to sue you for (whatever), and he's sending you the mail to tell you. Wouldn't you want to know that before his attorney summons you into court.
by cheese_breath
Tue Jun 12, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Can anyone help me with a 1960's music trivia question
Replies: 5
Views: 747

Re: Can anyone help me with a 1960's music trivia question

No idea. Is it possible this was just a local hit, and nobody else in the country ever heard it?
by cheese_breath
Tue Jun 12, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 2867

Re: death certificates...hospice and 911

Is the question who prepares the death certificate? Or where can you get it?

https://www.nolo.com/legal-encyclopedia ... icate.html
by cheese_breath
Mon Jun 11, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 2867

Re: death certificates...hospice and 911

MIL died in hospice in our home almost two years ago. DW's daughter's family had come from Texas and was staying with us because they knew the end was imminent. At the end we were giving her morphine every two hours. I found her dead when it was my turn at 3:00am. First I woke DW so she could spend ...
by cheese_breath
Sun Jun 10, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3472

Re: The effect of a difficult last name on employment prospects...

obafgkm wrote:
Sun Jun 10, 2018 3:45 pm
cheese_breath wrote:
Sun Jun 10, 2018 3:28 pm
Lee Iacocca's last name is four syllables.... but then he got fired too. :wink:
"If you can find a better name, change it!"
:D :D :D :D :D
by cheese_breath
Sun Jun 10, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3472

Re: The effect of a difficult last name on employment prospects...

Lee Iococca's last name is four syllables.... but then he got fired too. :wink: Seriously though, I wouldn't discount the possibility. I once knew a man who changed his last name because he thought upper management was discriminating against his polish last name. On the other hand have you considere...
by cheese_breath
Sun Jun 10, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Credit Union CDs in my IRA
Replies: 4
Views: 364

Re: Credit Union CDs in my IRA

First you need to be 59 1/2 to do an in-service rollover. Then you need to find out if your employer will allow it. If they do, then your credit union should be able to handle the rest.
by cheese_breath
Sat Jun 09, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Private sector pensions/multiple income streams- value?
Replies: 4
Views: 420

Re: Private sector pensions/multiple income streams- value?

... I expect to be at this new job for a long time as the compensation is going to be in the 90s.... Don't be surprised if after a couple years living a $90K lifestyle you find yourself lusting after that job you heard about paying $120K. Not saying there's anything wrong with that, just saying...
by cheese_breath
Fri Jun 08, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Changing Address in Social Security
Replies: 15
Views: 1360

Re: Changing Address in Social Security

DW's only income is social security based on my work record. My income from pensions, social security and RMDs is roughly seven times hers. Current medical expense for nursing home and prescriptions is about ten times her income so I guess it's safe to keep using our joint account. Do I have to noti...
by cheese_breath
Fri Jun 08, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Changing Address in Social Security
Replies: 15
Views: 1360

Re: Changing Address in Social Security

I went through this several years ago with a disabled relative. I was tempted to make the online account but decided against it due to the many warnings. I ended up becoming representative payee. You should look into becoming her SSA approved representative payee. My experience has been that the ap...
by cheese_breath
Wed Jun 06, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 3680

Re: Fixed Income investments too conservative?

My first thought is if you have enough to last you through retirement it really doesn't matter unless you want to leave the excess to someone specific.
by cheese_breath
Sun Jun 03, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 273
Views: 12398

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

... 1. Would law schools decline to accept me because of my age? 2. If I attended a top-tier school with the goal of becoming a law professor, would universities decline to hire me because of my age (assuming my credentials were very competitive in every other way)?... 4. If it would be important t...
by cheese_breath
Sat Jun 02, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 3900

Re: Friends with an EJ Advisor

Pancakes-Eggs-Bacon wrote:
Sat Jun 02, 2018 6:34 pm
Seems like it'd be easier to prey on the financially illiterate people to become EJ clients than to prey on people who DIY and know what index funds are. This guy must be clueless.
Most financially illiterate people might not have the money OP has.
by cheese_breath
Sat Jun 02, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: A silver coin
Replies: 8
Views: 1290

Re: A silver coin

Here's a couple. All I did for the first was type 25 year silver coin into eBay. All I did for the second was type 25 year silver coin into Google. https://www.ebay.com/itm/Walt-Disney-World-Silver-Metal-Coin-25-Year-Anniversary-Mickey-Mouse-Original/123095980645?hash=item1ca9179a65:g:-28AAOSwbq9a3i...
by cheese_breath
Sat Jun 02, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 3900

Re: Friends with an EJ Advisor

Learn to be direct with him. Tell him directly you're not interested in becoming an EJ client. If he's really your friend he'll respect your wishes. If he keeps after you he's not really your friend and is only interested in signing up another client.
by cheese_breath
Sat Jun 02, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13246

Re: Best Advice You Never Took

You have too much in company stock. This was EDS shortly before the spin-off from GM, and the stock was in the low 60s. First earnings report after the spin-off was awful and it lost nearly half it's value in one day.
by cheese_breath
Sat Jun 02, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Changing Address in Social Security
Replies: 15
Views: 1360

Re: Changing Address in Social Security

I went through this several years ago with a disabled relative. I was tempted to make the online account but decided against it due to the many warnings. I ended up becoming representative payee. I was seriously thinking about doing that too, but a thought just popped into my head this morning (pra...
by cheese_breath
Fri Jun 01, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Changing Address in Social Security
Replies: 15
Views: 1360

Re: Changing Address in Social Security

Can she speak on the telephone? Years ago my mom in Florida was handling my Nevada uncle’s money for him. (He was a compulsive gambler.) She was not his guardian, just did this informally. Somehow his SS address got switched to Florida and the only way we could get it changed back was to have him c...
by cheese_breath
Fri Jun 01, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3533

Re: My Medigap Plan G went from 115 to 251

My Transamerica plan G went from $165 to $175.
by cheese_breath
Fri Jun 01, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 40
Views: 2534

Re: Sherwin Williams paint

I'll only ever use Sherwin-Williams or Benjamin Moore paint again.... We used to use BM, but we sweared off it when they started charging to borrow their wallpaper books. I'm not talking about deposits that are refunded when you bring the book back. I'm talking about 'renting' the books out without...