Search found 10199 matches

by cheese_breath
Tue Apr 13, 2021 8:43 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Funeral Assistance
Replies: 3
Views: 674

Re: COVID-19 Funeral Assistance

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.
by cheese_breath
Mon Apr 12, 2021 8:53 am
Forum: Personal Investments
Topic: CDs vs. Bonds in today's world
Replies: 15
Views: 1126

Re: CDs vs. Bonds in today's world

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...
by cheese_breath
Sun Apr 11, 2021 5:10 pm
Forum: Personal Consumer Issues
Topic: Medicare Claims Processing Question
Replies: 19
Views: 1138

Re: Medicare Claims Processing Question

... 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...
by cheese_breath
Sun Apr 11, 2021 4:26 pm
Forum: Personal Consumer Issues
Topic: Medicare Claims Processing Question
Replies: 19
Views: 1138

Re: Medicare Claims Processing Question

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...
by cheese_breath
Sun Apr 11, 2021 1:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6535
Views: 1449349

Re: What Movie Have You Recently Watched?

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.
by cheese_breath
Sat Apr 10, 2021 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Theory: The Only Four Situations Justifying Debt
Replies: 103
Views: 6983

Re: Theory: The Only Four Situations Justifying Debt

Near death so you won't have to repay it.
by cheese_breath
Sat Apr 10, 2021 2:55 pm
Forum: Investing - Theory, News & General
Topic: Using savings draw down instead of Roth conversion
Replies: 9
Views: 501

Re: Using savings draw down instead of Roth conversion

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...
by cheese_breath
Sat Apr 10, 2021 2:44 pm
Forum: Investing - Theory, News & General
Topic: Using savings draw down instead of Roth conversion
Replies: 9
Views: 501

Re: Using savings draw down instead of Roth conversion

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...
by cheese_breath
Fri Apr 09, 2021 2:57 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 53
Views: 4288

Re: The Great Swing Set Dilemma

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.
by cheese_breath
Fri Apr 09, 2021 12:26 pm
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2958

Re: Are you competitive? If so, how do you compete as you get older?

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...
by cheese_breath
Fri Apr 09, 2021 11:26 am
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2958

Re: Are you competitive? If so, how do you compete as you get older?

knibloe wrote: Fri Apr 09, 2021 11:21 am I argue with my wife :happy
If you're anything like me, you're completely outclassed. :happy
by cheese_breath
Fri Apr 09, 2021 10:49 am
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2958

Re: Are you competitive? If so, how do you compete as you get older?

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.
by cheese_breath
Fri Apr 09, 2021 10:14 am
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2958

Re: Are you competitive? If so, how do you compete as you get older?

Do you swim? Not hard on the body, and you can try out for Senior Olympics starting at age 50.
by cheese_breath
Tue Apr 06, 2021 5:00 pm
Forum: Personal Consumer Issues
Topic: Refilling printer cartridge with ink from another cartridge
Replies: 10
Views: 469

Re: Refilling printer cartridge with ink from another cartridge

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?
by cheese_breath
Tue Apr 06, 2021 4:52 pm
Forum: Personal Consumer Issues
Topic: Wife Beating Me Up over cost of Landscaping Job
Replies: 20
Views: 2534

Re: Wife Beating Me Up over cost of Landscaping Job

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.
by cheese_breath
Tue Apr 06, 2021 9:20 am
Forum: Personal Consumer Issues
Topic: Recommendation for simple home gym
Replies: 41
Views: 3275

Re: Recommendation for simple home gym

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...
by cheese_breath
Tue Apr 06, 2021 9:06 am
Forum: Personal Consumer Issues
Topic: Recommendation for simple home gym
Replies: 41
Views: 3275

Re: Recommendation for simple home gym

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.
by cheese_breath
Tue Apr 06, 2021 8:31 am
Forum: Personal Consumer Issues
Topic: Safe and secure car sale
Replies: 12
Views: 802

Re: Safe and secure car sale

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.
by cheese_breath
Tue Apr 06, 2021 8:18 am
Forum: Personal Investments
Topic: Mom's Legacy
Replies: 19
Views: 2846

Re: Mom's Legacy

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...
by cheese_breath
Tue Apr 06, 2021 8:05 am
Forum: Personal Consumer Issues
Topic: Recommendation for simple home gym
Replies: 41
Views: 3275

Re: Recommendation for simple home gym

As people have already suggested, walks. And resistance bands for a simple start, hopefully working herself up to dumbbells and weights later.
by cheese_breath
Sun Apr 04, 2021 11:59 pm
Forum: Personal Investments
Topic: Mom's Legacy
Replies: 19
Views: 2846

Re: Mom's Legacy

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...
by cheese_breath
Sun Apr 04, 2021 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming SS early or late for non-representative sub-populations
Replies: 14
Views: 1180

Re: Claiming SS early or late for non-representative sub-populations

You'd need to tell us the life expectancy in one of the states.
by cheese_breath
Sun Apr 04, 2021 8:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6535
Views: 1449349

Re: What Movie Have You Recently Watched?

The King of Staten Island on HBO. Took me awhile to get into it, but it wasn't bad.
by cheese_breath
Fri Apr 02, 2021 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to resolve tax disagreement with my CPA?
Replies: 28
Views: 4337

Re: How to resolve tax disagreement with my CPA?

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...
by cheese_breath
Fri Apr 02, 2021 2:12 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2743
Views: 273473

Re: [What TV Show Have You Recently Watched?]

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?
by cheese_breath
Fri Apr 02, 2021 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to resolve tax disagreement with my CPA?
Replies: 28
Views: 4337

Re: How to resolve tax disagreement with my CPA?

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...
by cheese_breath
Thu Apr 01, 2021 10:09 pm
Forum: Investing - Theory, News & General
Topic: Monthly or Yearly Withdrawals in Retirement
Replies: 38
Views: 3678

Re: Monthly or Yearly Withdrawals in Retirement

Withdraw when / if I need it.
by cheese_breath
Wed Mar 31, 2021 7:49 pm
Forum: Personal Consumer Issues
Topic: Johnson &Johnson and Apple Heartline
Replies: 6
Views: 856

Re: Johnson &Johnson and Apple Heartline

nisiprius wrote: Wed Mar 31, 2021 6:59 pm "Heartline," eh? Anyone else remember Mary Hartline on TV...
Mary Heartline and Super Circus.
by cheese_breath
Wed Mar 31, 2021 6:39 pm
Forum: Personal Consumer Issues
Topic: Johnson &Johnson and Apple Heartline
Replies: 6
Views: 856

Re: Johnson &Johnson and Apple Heartline

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....
by cheese_breath
Tue Mar 30, 2021 5:16 pm
Forum: Investing - Theory, News & General
Topic: For those using a Roth IRA since the beginning (1998?), what's your balance? (Come on, we're anonymous)
Replies: 68
Views: 6390

Re: For those using a Roth IRA since the beginning (1998?), what's your balance? (Come on, we're anonymous)

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.
by cheese_breath
Tue Mar 30, 2021 1:23 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2743
Views: 273473

Re: [What TV Show Have You Recently Watched?]

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"
by cheese_breath
Mon Mar 29, 2021 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Cancer, Heart Attack & Stroke Insurance
Replies: 9
Views: 809

Re: Cancer, Heart Attack & Stroke Insurance

As long as you meet the three day in hospital requirement you've probably already got better than that with your Medicare & medigap.
by cheese_breath
Mon Mar 29, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Is a "fiduciary" Worth it?
Replies: 10
Views: 755

Re: Is a "fiduciary" Worth it?

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.
by cheese_breath
Sun Mar 28, 2021 9:08 am
Forum: Personal Finance (Not Investing)
Topic: POA questions
Replies: 7
Views: 458

Re: POA questions

It all depends on what the POA allows. Read it.
by cheese_breath
Sun Mar 28, 2021 8:24 am
Forum: Personal Consumer Issues
Topic: Ethical question about PayPal transaction
Replies: 16
Views: 1329

Re: Ethical question about PayPal transaction

... 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...
by cheese_breath
Sat Mar 27, 2021 2:22 pm
Forum: Personal Consumer Issues
Topic: Car in Hawaii For One Year
Replies: 35
Views: 2264

Re: Car in Hawaii For One Year

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.
by cheese_breath
Sat Mar 27, 2021 12:19 pm
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3916

Re: exipred / obsolete propane jugs

Ask them.
by cheese_breath
Fri Mar 26, 2021 11:48 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Funeral Assistance
Replies: 3
Views: 674

COVID-19 Funeral Assistance

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...
by cheese_breath
Fri Mar 26, 2021 10:29 am
Forum: Personal Investments
Topic: Trading in Roth IRA
Replies: 11
Views: 922

Re: Trading in Roth IRA

Why do you want to do weekly trades? Perhaps market timing?
by cheese_breath
Fri Mar 26, 2021 9:46 am
Forum: Personal Investments
Topic: Portfolio for Elderly Parent
Replies: 12
Views: 1453

Re: Portfolio for Elderly Parent

...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...
by cheese_breath
Thu Mar 25, 2021 3:07 pm
Forum: Personal Consumer Issues
Topic: Repairs without authorization
Replies: 16
Views: 1131

Re: Repairs without authorization

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.
by cheese_breath
Thu Mar 25, 2021 7:42 am
Forum: Personal Investments
Topic: Portfolio for Elderly Parent
Replies: 12
Views: 1453

Re: Portfolio for Elderly Parent

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...
by cheese_breath
Thu Mar 25, 2021 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Do Beneficiaries know the % others received?
Replies: 12
Views: 1677

Re: Do Beneficiaries know the % others received?

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?
by cheese_breath
Thu Mar 25, 2021 7:24 am
Forum: Personal Investments
Topic: Portfolio for Elderly Parent
Replies: 12
Views: 1453

Re: Portfolio for Elderly Parent

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...
by cheese_breath
Thu Mar 25, 2021 7:20 am
Forum: Personal Investments
Topic: Portfolio for Elderly Parent
Replies: 12
Views: 1453

Re: Portfolio for Elderly Parent

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 ...
by cheese_breath
Wed Mar 24, 2021 11:54 pm
Forum: Personal Investments
Topic: Transferring entire 500k taxable account to Bitcoin?
Replies: 169
Views: 9580

Re: Transferring entire 500k taxable account to Bitcoin?

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.
by cheese_breath
Wed Mar 24, 2021 11:39 pm
Forum: Personal Investments
Topic: Portfolio for Elderly Parent
Replies: 12
Views: 1453

Re: Portfolio for Elderly Parent

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.
by cheese_breath
Wed Mar 24, 2021 11:08 pm
Forum: Personal Consumer Issues
Topic: Folly to ask for a reworking of a new HVAC?
Replies: 6
Views: 826

Re: Folly to ask for a reworking of a new HVAC?

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.
by cheese_breath
Wed Mar 24, 2021 5:15 pm
Forum: Personal Consumer Issues
Topic: Shower remodel: Floor is uneven and pools water
Replies: 8
Views: 539

Re: Shower remodel: Floor is uneven and pools water

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.)
by cheese_breath
Wed Mar 24, 2021 5:08 pm
Forum: Personal Consumer Issues
Topic: Shower remodel: Floor is uneven and pools water
Replies: 8
Views: 539

Re: Shower remodel: Floor is uneven and pools water

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...