Search found 7903 matches

by cheese_breath
Sat Nov 03, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Is it wise to give out credit card and driver's license in this situation?
Replies: 14
Views: 1495

Re: Is it wise to give out credit card and driver's license in this situation?

Every hotel I've ever stayed in has taken my credit card and DL information, so it doesn't strike me as unusual. Taken? Hotel front desks in the US tend to glance at my drivers license, but don’t capture the information. If not a hotel, what about your doctor? (S)he has photo copies of your drivers...
by cheese_breath
Sat Nov 03, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5896

Re: Deal fell through and didn't get escrow money.....

... That day came and went and the realtor released the $3000. back to the failed buyer who had purchased with a contingency that he sell his house.... Well, did the buyer sell his house? The contingency clause means the deal is off he couldn't sell it. But if he did sell it and then backed out of ...
by cheese_breath
Sat Nov 03, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding on a Catch-up Deferral Amount
Replies: 4
Views: 307

Re: Deciding on a Catch-up Deferral Amount

Your reference to index funds leads me to suspect you're concerned with your equity rather than fixed income assets. If that's the case I wouldn't do it. Let's look at two possibilities between now and the time you will need the money... (1) The market increases. If you leave the money where it is y...
by cheese_breath
Sat Nov 03, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5219

Re: People with older car, share your unusual repairs

bottlecap wrote:
Fri Nov 02, 2018 7:54 pm
I had to replace the garbage disposal in my 2000 Ford.

They sure don’t make them like they used to.

JT
Was that the Ford Badger model?
by cheese_breath
Fri Nov 02, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4171

Re: Extreme credit card debt

Delay the adoption until you deal with the debt. A child needs more than just basic necessities. and It's questionable if you can even afford those at the present time.
by cheese_breath
Thu Nov 01, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5219

Re: People with older car, share your unusual repairs

Older truck, 2000 Silverado. Had to have a crack in the frame welded due to hitting too many big potholes in the Michigan winters.
by cheese_breath
Thu Nov 01, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Moved old 401K to a rollover IRA with Schwab..in cash
Replies: 9
Views: 545

Re: Moved old 401K to a rollover IRA with Schwab..in cash

... The birdy in my ear is saying, don't time the market and just buy, but I also don't wanna be dumb and just load up and it takes another dump 20% by end of the year after elections... One thing common to all birdies is bird brains. Unless this birdy is the exception it has no way of knowing if t...
by cheese_breath
Thu Nov 01, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage Firm Stock!
Replies: 4
Views: 437

Re: Brokerage Firm Stock!

Just because it's a brokerage firm doesn't make its stock safer than other companies. Brokerage firms go out of business too.
by cheese_breath
Tue Oct 30, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for Medigap and Drug plans for the first time
Replies: 4
Views: 471

Re: Signing up for Medigap and Drug plans for the first time

First of all yes, if you want your prescription plan to be effective in December you need to sign up for a 2018 plan. Your 2018 plan will continue into 2019 if you don't cancel it or enroll in a different 2019 plan. Medigap doesn't have annual open enrollments like medicare advantage and prescriptio...
by cheese_breath
Tue Oct 30, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Save for home renovations or use HELOC
Replies: 2
Views: 291

Re: Save for home renovations or use HELOC

Personally I wouldn't do any unnecessary expensive updates just to make your house more saleable. The higher price you'll want might chase away a potential buyer who doesn't like your decorating choices and will want to tear it all out anyway.
by cheese_breath
Tue Oct 30, 2018 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: just retired facing RMD & diversivation issues
Replies: 10
Views: 1427

Re: just retired facing RMD & diversivation issues

So what's the question relative to RMDs?
by cheese_breath
Mon Oct 29, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Tire rotation - low mileage car
Replies: 36
Views: 1917

Re: Tire rotation - low mileage car

terran wrote:
Mon Oct 29, 2018 4:56 pm
Discount Tire will rotate your tires for free regardless of where you bought them (obviously with the hope that you buy from them next time).
I bought mine from Belle Tire in MI which gives free rotation and rebalancing, not knowing I'd be relocating to TX soon. Do all Discount locations do this?
by cheese_breath
Mon Oct 29, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Costco.com online orders and Mastercard Credit Card?
Replies: 3
Views: 360

Re: Costco.com online orders and Mastercard Credit Card?

I used DIscover before I got the Costco Visa card, so I imagine Mastercard would be OK. Try it and see.
by cheese_breath
Sun Oct 28, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3869

Re: When to get a new toilet?

staythecourse wrote:
Sun Oct 28, 2018 11:54 am
Man, 28 years old? That is an old toilet....
The toilets in our house are the original ones from when the house was built... 1980.
by cheese_breath
Thu Oct 25, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Insignia TV Has Black Screen
Replies: 32
Views: 1654

Re: Insignia TV Has Black Screen

Today's tv's are fairly reliable and cheap. Send this one to the landfill and go buy a bigger, better model. I'm pretty sure electronics require special disposal. What a coincidence. Best Buy recycles old electronics. But I think they charge a fee for TVs. So they get you coming and going on your I...
by cheese_breath
Thu Oct 25, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Who profits from day to day market swings?
Replies: 13
Views: 1382

Re: Who profits from day to day market swings?

Let's hope it's not your FA / broker making commissions on every trade while (s)he's trying to time the market with your account.
by cheese_breath
Wed Oct 24, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Question about the 4% rule
Replies: 27
Views: 2427

Re: Question about the 4% rule

oldcomputerguy wrote:
Wed Oct 24, 2018 7:10 pm
The premise of the 4% rule does not predict that you likely will not spend any principal. It is that you likely will not spend all of it.
Also, not everybody says 4% anymore. Some recommend 3% or even 2.5%. So you're not alone in your concern for potential risks of 4%.
by cheese_breath
Wed Oct 24, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 61
Views: 3415

Re: "consultation fee": standard for preventative colonoscopy?

Yes. I had to go in for an office visit before my first one over two decades ago. You can't expect the gastro to just start pushing a tube up your behind without knowing anything about your medical condition or history.
by cheese_breath
Wed Oct 24, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: traditional IRA tax deduction, convert to ROTH
Replies: 3
Views: 296

Re: traditional IRA tax deduction, convert to ROTH

If he contributes to the tIRA this year and converts to the Roth next year, he taxable income will decrease $5,500 this year and increase $5,500 next year. Is that what he wants?
by cheese_breath
Wed Oct 24, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7706

Re: For those who paid off house - how did you do it?

We paid if off by making 360 monthly payments. When we refinanced, we kept the same term to pay off in the original 30 years. I don't understand people who refinance and keep starting over with another 30-year term. I refinanced in 2015 and went with another 30-year fixed. My reasoning was that if ...
by cheese_breath
Tue Oct 23, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of home - profit - and medicaid
Replies: 3
Views: 532

Re: Sale of home - profit - and medicaid

I don't pretend to know, but here's a site where you might get some informed opinions...

https://www.avvo.com/ask-a-lawyer#!
by cheese_breath
Tue Oct 23, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5383

Re: Car Dealer told us car was Certified, but it isnt

Kenkat wrote:
Tue Oct 23, 2018 8:28 pm
dealership tries to say that I've been riding the brakes going down mountain passes.
I mean, you are the MtnTraveler after all :happy
And I bet they say you've been riding the engine too much going up? :D
by cheese_breath
Tue Oct 23, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5383

Re: Car Dealer told us car was Certified, but it isnt

Agreed. I learned this when the dealer wanted to change the air in my tires and flush the headlight fluid. Is this a joke? My guess is he might have wanted to put nitrogen in the tires, for a hefty charge. And maybe he mean't headlight oil instead of fluid. Got to keep the center light mechanism lu...
by cheese_breath
Mon Oct 22, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7706

Re: For those who paid off house - how did you do it?

I refinanced twice to get lower interest mortgages. I made only the required interest payments each month and used the rest of my income for living expenses and investments. Kept paying monthly until it was paid off. This was in my 3rd or 4th year of retirement.
by cheese_breath
Mon Oct 22, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5383

Re: Car Dealer told us car was Certified, but it isnt

I would start by calling the dealership and tell them you want to make a complaint to the GM about dishonest sales tactic by their salesperson named XXX who told you you were buying a CPO Mazda. If that doesn't work call Mazda direct and complain. Might try their social media as well to see if they...
by cheese_breath
Mon Oct 22, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5383

Re: Car Dealer told us car was Certified, but it isnt

Thegame14 wrote:
Mon Oct 22, 2018 1:25 pm
... a verbal contract is as good as written....
If you have witnesses willing to testify on your behalf.
by cheese_breath
Mon Oct 22, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3331

Re: Why are Carbon Offset Credits so cheap?

Why no mention of cows here? Everybody knows cows are the cause of global warming. :P :P :P And exercise... it makes people exhale more C02. I wonder if I stop exercising, if I can sell the difference for a carbon credit. Or you could carry a potted plant with you on your runs and breath onto the p...
by cheese_breath
Mon Oct 22, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3331

Re: Why are Carbon Offset Credits so cheap?

Why no mention of cows here? Everybody knows cows are the cause of global warming. :P :P :P
by cheese_breath
Sun Oct 21, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback requested on approximating total stock market
Replies: 9
Views: 767

Re: Feedback requested on approximating total stock market

Do the 401Ks offer a S&P 500 index option? That's close enough IMO.
by cheese_breath
Sun Oct 21, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3516

Re: Car servicing

How could you possibly spend $100 to change the antifreeze and ATF on a civic?? A gallon of Honda type 2 coolant is about $15. Maybe $20 at a full price dealer. Honda DW1 atf is a about $8/qt and the civic takes about 3 quarts on a change. I’ve done those jobs, takes less than an hour. To many peop...
by cheese_breath
Sun Oct 21, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5640

Re: 8 reasons why pensions are [good]

My pension is trash. I get $3750/mo after 40 yrs (about $93/mo/yr of service). No cola. Pension at 45k/yr in 2048. Income at 150k/yr. So that's only replacing 30% of income, and it doesn't go up for inflation either... so in 2048, it's probably feel like I am getting $1500/mo of today dollar. It's ...
by cheese_breath
Sun Oct 21, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5640

Re: 8 reasons why pensions are [good]

My pension is trash. I get $3750/mo after 40 yrs (about $93/mo/yr of service). No cola. Pension at 45k/yr in 2048. Income at 150k/yr. So that's only replacing 30% of income, and it doesn't go up for inflation either... so in 2048, it's probably feel like I am getting $1500/mo of today dollar. It's ...
by cheese_breath
Sun Oct 21, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5640

Re: 8 reasons why pensions are [good]

They're certainly not [good --admin LadyGeek] in Detroit or Central Falls, RI, where public workers lost significant benefits. They're not [good --admin LadyGeek] in Providence where they risk municipal bankruptcy. They won't be [good --admin LadyGeek] in many, many areas over the next several year...
by cheese_breath
Sun Oct 21, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1678

Re: First RMD is due last day of year

praxis wrote:
Sun Oct 21, 2018 9:56 am
Does my custodian file a different IRS form depending on whether my IRA withdrawal is intended as my RMD for a particular year or is it reported as any other IRA distribution?
Your 1099R does not distinguish between RMDs, QCDs or any other distributions.
by cheese_breath
Sun Oct 21, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5640

Re: 8 reasons why pensions are [good]

I wouldn't generalize your experience to all pensions, which is exactly what your thread title does.
by cheese_breath
Sat Oct 20, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Met with an FA today.
Replies: 12
Views: 2622

Re: Met with an FA today.

Danger Will Robinson!
by cheese_breath
Sat Oct 20, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Rule of thumb for how much to spend on rent?
Replies: 24
Views: 2284

Re: Rule of thumb for how much to spend on rent?

I've never operated by rules of thumb myself. I consider all my other expenses, both current and projected and choose a number I can afford. I use the same idea when determining my retirement spending. No 4% 'SWR for me.
by cheese_breath
Sat Oct 20, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3331

Re: Why are Carbon Offset Credits so cheap?

Better question I think is, why are there carbon credits at all? Not that I agree with all the anti-pollution regulations, but if I did I would ask why should someone with more money be allowed to put more pollution into the atmosphere than he would if he had less money. If one was really serious ab...
by cheese_breath
Fri Oct 19, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: special needs family member approved for Medicaid coverage, need advice
Replies: 11
Views: 687

Re: special needs family member approved for Medicaid coverage, need advice

Can't you tell your employer now the date you want the coverage terminated? I certainly wouldn't want to terminate it before the Medicaid coverage starts.
by cheese_breath
Fri Oct 19, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: 401k Question whose name is best
Replies: 3
Views: 277

Re: 401k Question whose name is best

Flyer24 wrote:
Fri Oct 19, 2018 8:57 am
An IRA can only be in one person’s name. The spouse can be the designated beneficiary.
Plus your spouse's rollover has to go into her own IRA. It can't go into yours.
by cheese_breath
Thu Oct 18, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3516

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: 48
Views: 3516

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: 48
Views: 3516

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: 48
Views: 3516

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: 48
Views: 3516

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: 1861

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: 1349

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: 22
Views: 2227

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: 2451

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.