Search found 10263 matches

by cheese_breath
Thu May 13, 2021 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Mother is looking to refinance and asking me to co-sign
Replies: 80
Views: 4623

Re: Mother is looking to refinance and asking me to co-sign

Marseille07 wrote: Thu May 13, 2021 9:51 am ... If she is expecting some inheritance, a reverse mortgage might not be terrible, provided it'd last until then.
I mentioned the inheritance above, but I wouldn't include it in any planning until it's actually paid out to her.
by cheese_breath
Thu May 13, 2021 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Mother is looking to refinance and asking me to co-sign
Replies: 80
Views: 4623

Re: Mother is looking to refinance and asking me to co-sign

chris319 wrote: Thu May 13, 2021 9:32 am Don't ignore the supposition that her sons may eventually own the house, either through inheritance or some other means.
Wouldn't ignore anything until we know the current state of Mom's finances. Apparently she thinks she'll be getting an inheritance. We need to know more about that too.
by cheese_breath
Thu May 13, 2021 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Mother is looking to refinance and asking me to co-sign
Replies: 80
Views: 4623

Re: Mother is looking to refinance and asking me to co-sign

How much is her mortgage payment and income? Could she sell the house, take the cash and bank it and live in a apartment that is less than her mortgage today? It has been mentioned several times in this thread that she is attached to the house and would likely be unwilling to move. We're talking ab...
by cheese_breath
Wed May 12, 2021 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mother is looking to refinance and asking me to co-sign
Replies: 80
Views: 4623

Re: Mother is looking to refinance and asking me to co-sign

max79 wrote: Wed May 12, 2021 11:18 pm ...
- Co-signing which I have all but ruled out (unless my name is on the deed but even then not a good idea). My brother may not like that too much though.
....
Speaking of your brother, is he involved in helping your mother? If he isn't, then what he thinks doesn't matter.
by cheese_breath
Wed May 12, 2021 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mother is looking to refinance and asking me to co-sign
Replies: 80
Views: 4623

Re: Mother is looking to refinance and asking me to co-sign

Your mother is the one that should be in this forum explaining her finances in detail and coming up with a plan to assess her current debt, her needed capital outlays, and her income and expenses moving forward. Until she takes responsibility for her current situation her financial life won’t impro...
by cheese_breath
Wed May 12, 2021 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mother is looking to refinance and asking me to co-sign
Replies: 80
Views: 4623

Re: Mother is looking to refinance and asking me to co-sign

Her income is less than her monthly expenses. She's demonstrating inflexibility in what jobs she will accept. Ergo, she can't afford the house. She should sell it and rent. You can help her with the rent payments. The thing is...her current mortgage is likely less than rent would be. She would like...
by cheese_breath
Wed May 12, 2021 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mother is looking to refinance and asking me to co-sign
Replies: 80
Views: 4623

Re: Mother is looking to refinance and asking me to co-sign

Before you go very far on the 'buy more time' options you and she need to develop a plan together for solving the problem. Otherwise she might end up in the same situation as she is now when the 'buy more time' money runs out.
by cheese_breath
Wed May 12, 2021 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Mother is looking to refinance and asking me to co-sign
Replies: 80
Views: 4623

Re: Mother is looking to refinance and asking me to co-sign

Her income is less than her monthly expenses. She's demonstrating inflexibility in what jobs she will accept. Ergo, she can't afford the house.

She should sell it and rent. You can help her with the rent payments.
by cheese_breath
Wed May 12, 2021 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How did you figure out what to Retire TO?
Replies: 35
Views: 2192

Re: How did you figure out what to Retire TO?

Didn't need any help figuring out I wanted to retire to the freedom to do whatever I wanted. And if I didn't want to do anything some days, that's fine too.
by cheese_breath
Tue May 11, 2021 9:11 pm
Forum: Personal Investments
Topic: What do people actually mean when they say "buy land" to build wealth?
Replies: 41
Views: 4353

Re: What do people actually mean when they say "buy land" to build wealth?

Anybody remember the pitch that we should buy land because the amount is limited? It's the only thing we can't make more of?

Technically that may be true, but we're not going out during our lifetimes.
by cheese_breath
Mon May 10, 2021 11:20 pm
Forum: Personal Consumer Issues
Topic: Windows 10 + Chrome = Slow and Sluggish
Replies: 90
Views: 3560

Re: Windows 10 + Chrome = Slow and Sluggish

...I keep Windows 10 updated religiously, so I've got the very latest version.... But do you keep Chrome updated religiously? Chromebooks update automatically, but I don't know about PC Chrome. Also I remember a notice about a month or so ago urging users to update to the latest version to fix a se...
by cheese_breath
Mon May 10, 2021 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Please Weigh In, Can't Ask Anyone Else - Burial Planning
Replies: 52
Views: 4264

Re: Please Weigh In, Can't Ask Anyone Else - Burial Planning

My grandfather purchased enough plots for his whole family to be buried together. My uncle (his son) made sure all the family who died before him were buried there. But he had served in the Marines, and he chose to have himself buried in a veterans cemetery.
by cheese_breath
Mon May 10, 2021 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: What prompted you to pull the plug and retire?
Replies: 116
Views: 10370

Re: What prompted you to pull the plug and retire?

As soon as I could afford it I was gone.
by cheese_breath
Mon May 10, 2021 11:44 am
Forum: Personal Investments
Topic: Beneficiary Change Ignored DPOA by Raymond James
Replies: 18
Views: 1769

Re: Raymond James account moved to ??

celia wrote: Mon Dec 28, 2020 8:11 pm
MishkaWorries wrote: Mon Dec 28, 2020 7:50 pm I'd have one of the memory care employees sign as a witness.
I don't think that they are allowed to be a witness to this.
It probably would need to be notarized.
by cheese_breath
Mon May 10, 2021 11:43 am
Forum: Personal Investments
Topic: Beneficiary Change Ignored DPOA by Raymond James
Replies: 18
Views: 1769

Re: Raymond James account moved to ??

When I had DW's POA it specifically stated in the POA that I couldn't change beneficiaries.
by cheese_breath
Thu May 06, 2021 5:16 pm
Forum: Personal Consumer Issues
Topic: Anyone hate where they live primarily because of the weather?
Replies: 155
Views: 10594

Re: Anyone hate where they live primarily because of the weather?

Hate? No. Sometimes I wish it was a little warmer, or a little colder, or it wouldn't rain so much, or we need some rain..... In TX now where the summer gets really warm, but I've lived in states where the winters are really cold with snow and ice. I just tell myself it will only be a few months, an...
by cheese_breath
Thu May 06, 2021 9:18 am
Forum: Personal Finance (Not Investing)
Topic: How to Use Power of Attorney for Checking Account
Replies: 17
Views: 1089

Re: How to Use Power of Attorney for Checking Account

Did anyone need to give the bank a doctor's opinion that the original person was incapacitated? What's to stop someone with POA from taking over the account much earlier even if original person thought they would only do so if incapacitated? It depends on how the POA is written. DW's POA gave me ve...
by cheese_breath
Wed May 05, 2021 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to Use Power of Attorney for Checking Account
Replies: 17
Views: 1089

Re: How to Use Power of Attorney for Checking Account

DW had a checking account at Chase, and I had her POA when she was in the nursing home. Made an appointment first and then went to Chase with the POA. They had someone review it and decided it was a valid POA. Then I filled out the Chase application in front of them and walked out about an hour late...
by cheese_breath
Wed May 05, 2021 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to Use Power of Attorney for Checking Account
Replies: 17
Views: 1089

Re: How to Use Power of Attorney for Checking Account

Phone BOA and ask them. You'll probably have to go to the bank with your POA papers, and if they like them they'll issue their own POA for the checking account. They you get new checks printed including your name as POA.
by cheese_breath
Wed May 05, 2021 2:42 pm
Forum: Personal Investments
Topic: 401k to Roth Rollover. Do I need to contribute the tax amount into Roth?
Replies: 26
Views: 1295

Re: 401k to Roth Rollover. Do I need to contribute the tax amount into Roth?

Do you have the option to tell them not to withhold taxes? Regards, No, I don't have that option in this particular case. Maybe if you roll the 401k into a traditional IRA first, then convert that new traditional IRA to Roth IRA you'd have that option. I have a IRA and Roth IRA at Vanguard and when...
by cheese_breath
Wed May 05, 2021 1:58 pm
Forum: Personal Investments
Topic: 401k to Roth Rollover. Do I need to contribute the tax amount into Roth?
Replies: 26
Views: 1295

Re: 401k to Roth Rollover. Do I need to contribute the tax amount into Roth?

Are you over 59 1/2? If not I believe you'll be charged an extra 10% penalty on the money withdrawn to pay the conversion tax.

You can contribute to the Roth to bring the balance back up to the original amount if you have enough earned income. But you don't have to.
by cheese_breath
Mon May 03, 2021 8:59 am
Forum: Personal Consumer Issues
Topic: Who will install non-OEM parts I bought for my car?
Replies: 51
Views: 3249

Re: Who will install non-OEM parts I bought for my car?

galawdawg wrote: Mon May 03, 2021 6:21 am
brokendirtdart wrote: Mon May 03, 2021 6:08 am Of course I say that after donating blood and a part to a 16 day old truck yesterday replacing headlight bulbs :annoyed .
Sixteen DAY old truck??? :shock:

Must be a Dodge. :wink:
Or a FIAT (Fix It Again Tony)
by cheese_breath
Sun May 02, 2021 2:20 pm
Forum: Personal Consumer Issues
Topic: Who will install non-OEM parts I bought for my car?
Replies: 51
Views: 3249

Re: Who will install non-OEM parts I bought for my car?

I doubt a Nissan dealer would do it. Check the auto repair shops, not body shop.
by cheese_breath
Sat May 01, 2021 4:43 pm
Forum: Personal Investments
Topic: Midterm Taxable
Replies: 30
Views: 1958

Re: Midterm Taxable

I've been a busy beaver, but these are all unrelated threads. For the mid term, say more than 3 years, but less than 10, think saving for a house down payment, where's the best place to park money that's taxable? On first blush, not much seems to be better than a fully liquid, high yield savings ac...
by cheese_breath
Fri Apr 30, 2021 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs for which you are mostly qualified
Replies: 26
Views: 2053

Re: Applying for jobs for which you are mostly qualified

Apply. Even if you're not totally qualified, you still might be the most qualified of all the applicants.
by cheese_breath
Fri Apr 30, 2021 3:30 pm
Forum: Personal Consumer Issues
Topic: Home Security Questions
Replies: 4
Views: 399

Re: Home Security Questions

If at all possible, IMO your best home security measure is to live in a safe neighborhood. People who live in the neighborhoods with steel doors and bars on every window still need to leave the house at times. I'm in an apartment now, but I lived in houses for the first 75 years of my life and never...
by cheese_breath
Wed Apr 28, 2021 7:00 pm
Forum: Personal Consumer Issues
Topic: Online store suggestions for progressive lenses?
Replies: 28
Views: 2058

Re: Online store suggestions for progressive lenses?

My wife has been seeing a trusted optometrist for years and twice new glasses with progressives have been delivered that were essentially unusable -- despite the careful measurements that were obtained... Twice for me too, but with different providers. In fact, the pair I'm wearing now had to be re...
by cheese_breath
Wed Apr 28, 2021 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Townhome sale not going as expected, advice please
Replies: 71
Views: 7664

Re: Townhome sale not going as expected, advice please

Jsdi7873hd wrote: Wed Apr 28, 2021 12:26 pm Just an update here, thanks everyone for their help! Just got an offer at asking! woot!
:thumbsup :sharebeer
by cheese_breath
Tue Apr 27, 2021 11:19 am
Forum: Personal Consumer Issues
Topic: duct cleaning and other cleaning
Replies: 9
Views: 645

Re: duct cleaning and other cleaning

Much depends on the condition of your ducks. Every home is different so get several estimates and looks at your system first. For us, our home’s ducks were extremely dirty and smelled when we bought the home. A German company called Gezundheit Duck Cleaning did an extensive job on the entire system...
by cheese_breath
Sat Apr 24, 2021 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: RMD coming.....
Replies: 131
Views: 13407

Re: RMD coming.....

Thank your lucky stars. Most people would love to have your problem.
by cheese_breath
Sat Apr 24, 2021 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Townhome sale not going as expected, advice please
Replies: 71
Views: 7664

Re: Townhome sale not going as expected, advice please

You never told us why you're selling. Some potential buyers might ask that question. I hope you have a better answer than, "It's too noisy."
by cheese_breath
Sat Apr 24, 2021 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Townhome sale not going as expected, advice please
Replies: 71
Views: 7664

Re: Townhome sale not going as expected, advice please

It's about 9% higher than what I purchased for, I just want to break even . To be fair, I only lived there 18 months. I purchased it from an owner and I do not want to be a landlord, so I really want to sell. Prepare yourself for the chance that might not be possible. Besides it maybe be priced too...
by cheese_breath
Sat Apr 24, 2021 10:14 am
Forum: Personal Investments
Topic: Where do you store your cash part of retirement?
Replies: 24
Views: 4109

Re: Where do you store your cash part of retirement?

TIAA Traditional IRA and Roth.

Ally Bank.

One month's expenses in credit union.
by cheese_breath
Sat Apr 24, 2021 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Townhome sale not going as expected, advice please
Replies: 71
Views: 7664

Re: Townhome sale not going as expected, advice please

I'm no expert, but even to me it seems obvious. It's been on the market for one week? Give it some time. And if that doesn't work, lower the price until it becomes attractive enough for someone willing to put up with the noise for the bargain comes along. Not the answer you wanted to hear, I'm sure.
by cheese_breath
Thu Apr 22, 2021 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 322
Views: 40737

Re: What Were Your Regrets after Retiring? (serious question)

+1 Eulogy building.. that's a sobering goal! But a valuable one. A few weeks into the nursing home lockdown I began thinking I should develop a eulogy for DW in case she didn't make it. I had the whole funeral planned out, including the music before she passed on. I spent three years with her inclu...
by cheese_breath
Thu Apr 22, 2021 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 322
Views: 40737

Re: What Were Your Regrets after Retiring? (serious question)

DurangoWino wrote: Thu Apr 22, 2021 3:28 pm Retirement is like recess at school.
As long as you don't lick the flag pole in the winter.
by cheese_breath
Thu Apr 22, 2021 3:26 pm
Forum: Personal Consumer Issues
Topic: Struggling with car purchase
Replies: 31
Views: 1786

Re: Struggling with car purchase

I am currently driving a 2014 Prius. Car is paid off, has 85K miles, runs great. But I want more as I moved to Alaska and this car is just not suitable for much of the summer adventures... ...I don't need the 4Runner, I want the 4Runner.... Is there a less expensive vehicle that could accommodate t...
by cheese_breath
Thu Apr 22, 2021 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 322
Views: 40737

Re: What Were Your Regrets after Retiring? (serious question)

I’m 65 - retired at 59.5 after 30 years as a surgeon. The last two years in practice I was hit with prostate cancer surgery, a back fusion, and the death of my 95 year old father. So, I was ready to quit when an offer materialized. My only minor regret is not keeping up my medical license. It would...
by cheese_breath
Thu Apr 22, 2021 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 322
Views: 40737

Re: What Were Your Regrets after Retiring? (serious question)

My 2 cents - My sister died two years ago of a rare cancer at age 52. She died with millions in retirement accounts she never got to enjoy. That same year, a friend died of a heart attack at 49. Not everyone is gifted with longevity. I was forced to retire early due to Covid cutbacks. I had a high ...
by cheese_breath
Thu Apr 22, 2021 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 322
Views: 40737

Re: What Were Your Regrets after Retiring? (serious question)

My 2 cents - My sister died two years ago of a rare cancer at age 52. She died with millions in retirement accounts she never got to enjoy. That same year, a friend died of a heart attack at 49. Not everyone is gifted with longevity. I was forced to retire early due to Covid cutbacks. I had a high ...
by cheese_breath
Thu Apr 22, 2021 8:33 am
Forum: Personal Consumer Issues
Topic: Bathroom fan question
Replies: 21
Views: 1832

Re: Bathroom fan question

You probably can do it yourself. If not, any handyman can. Just run a flexible vent line from the fan to the attic wall. Cut a hole in the wall and install an exhaust dryer vent.
by cheese_breath
Thu Apr 22, 2021 8:25 am
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 322
Views: 40737

Re: What Were Your Regrets after Retiring? (serious question)

24 years into retirement and haven't regretted it yet. One of the best days of my life was the last day I walked out the office door.
by cheese_breath
Wed Apr 21, 2021 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Moving money between 2 banks?
Replies: 14
Views: 1085

Re: Moving money between 2 banks?

How long will it take your mobile (check) deposit to clear?
by cheese_breath
Tue Apr 20, 2021 10:24 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 172
Views: 15299

Re: How quickly did you receive your 2020 tax refund?

E-filed Feb 19th. (Mine was in the bunch that IRS delayed processing) Credit union site shows my 'refund' will be deposited tomorrow, April 21. Although it isn't a refund. It's the rest of my 2020 stimulus payment. I never get a refund.
by cheese_breath
Sun Apr 18, 2021 5:18 pm
Forum: Personal Consumer Issues
Topic: Protective Coating on New Subaru?
Replies: 18
Views: 1525

Re: Protective Coating on New Subaru?

My general rule is, if the dealer is trying to sell you something other than the car, you probably don't need it.
by cheese_breath
Sat Apr 17, 2021 4:27 pm
Forum: Personal Consumer Issues
Topic: 3 day to cancel contract question
Replies: 5
Views: 548

Re: 3 day to cancel contract question

You can cancel it today and be within whatever three day limit they choose.
by cheese_breath
Sat Apr 17, 2021 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Should I bother my insurance agent every renewal?
Replies: 6
Views: 819

Re: Should I bother my insurance agent every renewal?

I don't do this personally, but I don't see anything wrong with it. The agent's job is to take care of his customers, not just writing up insurance contracts. You're the customer.
by cheese_breath
Sat Apr 17, 2021 9:03 am
Forum: Personal Finance (Not Investing)
Topic: I usually use electronic bank transfers to send money
Replies: 26
Views: 2463

Re: I usually use electronic bank transfers to send money

When I send money from Vanguard to Bank of America or the reverse I use electronic bank transfers (ACH). But I've heard wiring money is free and faster. So should I switch to wiring? What do you use? Free? Depends. My credit union does it free, but Ally charges $20 each time. I've only wired money ...
by cheese_breath
Thu Apr 15, 2021 5:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6694
Views: 1463829

Re: What Movie Have You Recently Watched?

Jane Got a Gun , on Blu-ray DVD. A Western romance action film with Natalie Portman. Meh. What's a DVD It's an optical disc that you buy to play at in your home. You own it, and it can't be taken away from you, and playing it is not dependent on your internet connection. Far superior to streaming. ...