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cheese_breath

As I expected the FEMA phone lines are overloaded. They went from busy signals to 'circuits overloaded' messages yesterday to an IRS like message this morning. Heavy call volume. Please call back at a later time. So I'll just keep trying, and maybe I'll get through some day.

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Many conservative investors favor fixed annuities these days. They pay much better than bank accounts, money market funds, CD and other low-risk fixed income investments. A fixed annuity is an insurance contract that pays a fixed rate of interest for a "set term", usually ranging from one...

cheese_breath

... I am POA for my learning-disabled brother who began on Medicare last year, he turned 65 in March 2020. He lives with my sister who is his primary caregiver, and I handle the admin work. We are many states apart. He was covered by a Publix grocery BC PPO plan through the end of 2020... ... His M...

cheese_breath

Did you cancel his PPO plan? You can't have a medigap plan and the PPO plan at the same time. Did you tell the doctors he's now on Medicare so they will know when to stop billing the PPO? Here's how Medicare/medigap should work. The doctor bills Medicare for his services. Medicare pays it's share an...

cheese_breath

Goodbye, Mister Chips (1939 version) on TCM (Turner Classic Movies) I'd seen the Peter O'Toole version before and wondered how the original would be. It was actually pretty good.

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Near death so you won't have to repay it.

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We want to retire in 5 years. (Though I might work a couple more). We would need to draw down our retirement accounts for 5 years before my DW pension and our Social Security kicks in. If use the money from our Traditional IRA's (401k, SEP and Trad IRA) accounts. Would that act technically as a Rot...

cheese_breath

We want to retire in 5 years. (Though I might work a couple more). We would need to draw down our retirement accounts for 5 years before my DW pension and our Social Security kicks in. If use the money from our Traditional IRA's (401k, SEP and Trad IRA) accounts. Would that act technically as a Rot...

cheese_breath

runner3081 wrote: ↑Fri Apr 09, 2021 2:54 pm Go without the bridge. If the kids gets hurt on the bridge, your life is over

Just what I was thinking.

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Apparently unlike everyone else here I was never competitive. As a kid I was the worst or nearly worst at everything I did: always in the bottom 20% or so academically and worse at sports. In college I did a little better academically but didn't participate in any sports.... You're not Bill Gates a...

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knibloe wrote: ↑Fri Apr 09, 2021 11:21 am I argue with my wife

If you're anything like me, you're completely outclassed.

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CFM300 wrote: ↑Fri Apr 09, 2021 10:47 am
2Scoops wrote: ↑Fri Apr 09, 2021 6:34 am As competitive sports become less and less a part of my life I was thinking about how I’ll continue to fuel the competitive fire. I’m looking for ideas. How do you stay competitive?
Masters division.

+1 Good one.

cheese_breath

Do you swim? Not hard on the body, and you can try out for Senior Olympics starting at age 50.

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SlowMovingInvestor wrote: ↑Tue Apr 06, 2021 9:22 am To my annoyance, I recently bought the wrong cartridge pack (Black and CL) for my Canon inkjet printer.

SlowMovingInvestor wrote: ↑Tue Apr 06, 2021 9:37 am It's Staples, but I bought it nearly a year ago

So you bought it recently a year ago?

cheese_breath

Looks like just about everybody here agrees with you, but so what? Do you intend to show this to her, and rub her nose in it? That wouldn't be a smart move.

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Basic female (non injury) "fitness", does not have to be "Rocky or super gym guy level. Obviously, nobody must be "super gym guy", but I think women are often sold short by society and the fitness industry and told they can't (or shouldn't) do higher intensity training or s...

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UpperNwGuy wrote: ↑Tue Apr 06, 2021 8:22 am Don't let her spend a dime on any equipment until she proves her commitment by doing a program of walking and other equipment-free exercises for a least two months.

+1 except for some inexpensive resistance bands which I've already recommended to get started.

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bluebolt wrote: ↑Tue Apr 06, 2021 8:26 am ... Meet at bank and have them draw cashier's check in front of you..

And if they don't have an account at a national bank with a branch near you (Chase, Comerica, etc.) ask them to open one with the payment before they come.

cheese_breath

we have to do something, its better than 0 interest bank bearing account Thanks Boulous So is an Ally Bank online account, 0.5% online savings and 0'6% CDs. Another option to keep it from 'dwindling' might be MYGA's (Multi Year Guaranteed Annuities). They're like CDs but are issued by insurance com...

cheese_breath

As people have already suggested, walks. And resistance bands for a simple start, hopefully working herself up to dumbbells and weights later.

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Hi Bogleheads We lost our Mom in August from natural causes, and we miss her a lot, Mom left us a 5 figure cash amount, among other assets, the cash is in a bank account earning 0 interest, we don't need the money, but would like to see it grow to keep Mom's fund from dwindling down, what advise an...

cheese_breath

You'd need to tell us the life expectancy in one of the states.

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The King of Staten Island on HBO. Took me awhile to get into it, but it wasn't bad.

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I wouldn't trust anything the IRS says. Call them five times, and you'll get seven different answers. But I do agree with what you say here. 1) If my accountant isn't comfortable with something I plan to do, then we probably shouldn't work together. 2) If my accountant is basically ignoring me, the...

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Sunflower wrote: ↑Tue Mar 30, 2021 7:03 pm ... Tomorrow is the Resident Alien season finale! ...

And did you see the beginning of it where we discover it wasn't the hairdresser who killed Sam?

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I wouldn't trust anything the IRS says. Call them five times, and you'll get seven different answers. But I do agree with what you say here. 1) If my accountant isn't comfortable with something I plan to do, then we probably shouldn't work together. 2) If my accountant is basically ignoring me, then...

cheese_breath

Withdraw when / if I need it.

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nisiprius wrote: ↑Wed Mar 31, 2021 6:59 pm "Heartline," eh? Anyone else remember Mary Hartline on TV...

Mary Heartline and Super Circus.

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RadAudit wrote: ↑Wed Mar 31, 2021 5:07 pm
Mapmaker wrote: ↑Wed Mar 31, 2021 4:52 pm Would you volunteer for the study?
No. Not from an unsolicited e-mail.

No, not even if I was sure the request was valid. All it takes in one "bad apple" in the bunch who see your information, and....

cheese_breath

I won't divulge my Roth balance, but I will say it's considerably more than $105,000. 1998 was the only time I made a direct contribution to it. (Taxes were spread over four years, so it wasn't so painful.) Everything else came from IRA conversions.

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Sunflower wrote: ↑Tue Mar 30, 2021 1:16 pm
FedGuy wrote: ↑Sat Mar 20, 2021 11:34 am
cheese_breath wrote: ↑Thu Mar 18, 2021 5:02 pm Resident Alien on SYFY
Agreed. Dark humor, but very funny.
A positively bright spot during this time and will be remembered for that. Absolutely fell in love with the lead actor.

If ever you saw Firefly you might remember Alan Tydyk played "Wash"

cheese_breath

As long as you meet the three day in hospital requirement you've probably already got better than that with your Medicare & medigap.

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I talked to an advisor once who claimed to be a fiduciary, and then tried to sell me whole life insurance He kept pushing it, but I didn't bite.

edit: It was a fixed index annuity.

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It all depends on what the POA allows. Read it.

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... I have not heard anything from the seller since the initial transaction last month. Should I be reaching out to him? My plan was to basically just wait to see if he says anything to me. If he does, I will of course send him his money. However, if he doesn't, I don't really feel why it is my res...

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Brianmcg321 wrote: ↑Sat Mar 27, 2021 2:19 pm
ncbill wrote: ↑Sat Mar 27, 2021 1:24 pm Just ask Higgins if you can borrow the Ferrari...
Lol. Now that was funny.

Higgins is fictional, but maybe Sandtrap would loan him a car.

cheese_breath

Ask them.

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Hopefully this won't apply to many of you. (I think it will to me). "Under the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 and the American Rescue Plan Act of 2021, FEMA will provide financial assistance for COVID-19-related funeral expenses incurred after January 20...

cheese_breath

Why do you want to do weekly trades? Perhaps market timing?

cheese_breath

...I will look into they MYGA... Here are some threads discussing MYGAs. It's been awhile since I accumulated this list so there may be others by now. The basic idea is they're like CDs but offered by insurance companies, and currently pay higher interest rates. Recommend you only use the agents id...

cheese_breath

Isn't the additional $50 labor? Maybe he should have asked your permission first (what does the service order you signed say?), but if you got a needed $200 repair for $50, I'd thank my lucky stars and him, and let it go.

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It's unfortunate that you chose a facility where she won't be able to remain once Medicaid takes over payments. If it's not too late, you may wish to reconsider that decision. Then, your strategy may change. Is it possible OP might want to place her in a nicer place for quality of life purposes unt...

cheese_breath

I can't imagine they would be unless the person leaving the inheritance told them. Wouldn't be a violation of the custodian's fiduciary responsibility to spread this information around?

cheese_breath

It's unfortunate that you chose a facility where she won't be able to remain once Medicaid takes over payments. If it's not too late, you may wish to reconsider that decision. Then, your strategy may change. Is it possible OP might want to place her in a nicer place for quality of life purposes unt...

cheese_breath

Off topic, but does the AL/MC facility accept Medicaid after a period of private pay? Whether the facility does or not, her countable assets must be spent down first. Medicaid determines when a person is eligible for Medicaid, not the nursing home. On topic: if her assets as currently situated are ...

cheese_breath

bigguy8437 wrote: ↑Wed Mar 24, 2021 8:46 pm I really do think Bitcoin can hit 500k in the next 20 years.

And I think the Lions can win the Super Bowl in the next 20 years. In fact I've been thinking that ever since Super Bowl I.

cheese_breath

Hypothetically, if you converted everything to cash how long would it pay her assisted living expenses? She's still young enough to buy MYGAs, so one possibility might be to keep 2-3 years in cash in an online savings account and convert the rest to a MYGA ladder.

cheese_breath

Wrestling filters into grates located in high ceilings at your age would be asking for trouble. Let the professionals who installed it fix it. I doubt yours is the first one they ever had to modify.

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lthenderson wrote: ↑Wed Mar 24, 2021 5:13 pm The only permanent "hands free" solution is to bust out the tile, properly slope the bedding and have it re-tiled. Been there done that on my first shower tiling job.

Hands free? OP could push the water to the drain with his foot. (I actually used to do that.)

cheese_breath

Wipe it up with a towel after every shower until you're ready to demo. Welcome to tub and shower day here at bogleheads. Yeah, this might be the expedient solution. Or- in Europe they have this long-handled squeegee thing that you use to scrape water into the drain. But that might not get it out of...

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