Search found 10338 matches

by cheese_breath
Mon Jun 21, 2021 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much property tax is too much?
Replies: 22
Views: 1399

Re: How much property tax is too much?

snackdog wrote: Mon Jun 21, 2021 5:44 pm Thoughts?
It is what it is. Rants here won't change it. If you don't like the taxes where you live move somewhere else where taxes are less, or rant to your local government.
by cheese_breath
Sat Jun 19, 2021 11:43 pm
Forum: Investing - Theory, News & General
Topic: Borrowing from 401k to reduce RMD
Replies: 9
Views: 1343

Re: Borrowing from 401k to reduce RMD

Do you think a 401K loan takes money out of your 401K account? It doesn’t. You may be confusing this for the COVID distribution from 2020 with 3 years to pay it back. That was an actual distribution where money is taken out of the 401K account. The value of your 401K is based on the value of what i...
by cheese_breath
Sat Jun 19, 2021 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: What should I do with extra overtime money?
Replies: 18
Views: 1387

Re: What should I do with extra overtime money?

Donate it to worthwhile charities, and maybe just a little to Bogleheads website maintenance.
by cheese_breath
Wed Jun 16, 2021 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Communal retirement
Replies: 6
Views: 856

Re: Communal retirement

Theoretical question, not "real advice" is going to get this thread locked in a hurry.
by cheese_breath
Tue Jun 15, 2021 6:23 pm
Forum: Personal Consumer Issues
Topic: Vacation in Michigan in August
Replies: 22
Views: 1791

Re: Vacation in Michigan in August

I'm a Michigan native. All-you-can-eat chicken at Frankenmuth is awesome (Zhender's restaurant).... Let's face it, whether it's Zehnder's or the Bavarian Inn, the chicken's nothing special. But if you're looking for a German themed town where you can spend hours in all the shops. you can't skip Fra...
by cheese_breath
Tue Jun 15, 2021 9:43 am
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 75
Views: 3393

Re: Rx home delivery?

Pharmacies in my area have drive through and delivery services if one is adverse to enter their facilities. My recent experiences with USPS are not good enough to entrust them with my Rxs. Thanks, it is more so about sitting still and waiting. Driver thru seemed slow also. You could sit and wait in...
by cheese_breath
Tue Jun 15, 2021 9:40 am
Forum: Personal Consumer Issues
Topic: Windows 11
Replies: 50
Views: 4244

Re: Windows 11

... I think I'll continue using 10 for as long as possible (until it won't update any more) before installing 11.... Ditto. I always do that. Used Win/95 even after it was out of support. Delayed going from XP to Win/7 until I had to replace my PC. Delayed going from Win/7 tp Win/10 until support e...
by cheese_breath
Mon Jun 14, 2021 11:05 pm
Forum: Personal Consumer Issues
Topic: Vacation in Michigan in August
Replies: 22
Views: 1791

Re: Vacation in Michigan in August

PoppyA wrote: Mon Jun 14, 2021 10:05 pm Petosky is beautiful. Many people like Makinac Island.
Suggest you change your base to west side of the state. In addition to the above there's more to see along Lake Michigan shoreline. Saugatuck, Sleeping Bear dunes, and more.
by cheese_breath
Mon Jun 14, 2021 1:24 pm
Forum: Personal Consumer Issues
Topic: Negotiating on a brand new vehicle in current environment. Seller's market?
Replies: 17
Views: 1601

Re: Negotiating on a brand new vehicle in current environment. Seller's market?

MortgageOnBlack wrote: Mon Jun 14, 2021 1:21 pm... If I send an email to all of the Toyota dealers in my area asking for them to give their best out-the-door price, should I expect some laughs? ...
I'll ask a different question. What could it hurt?
by cheese_breath
Sat Jun 12, 2021 7:39 am
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1962

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

I would not bother"fixing it". Most copper lines develop this at the joints if all the flux, etc are not cleaned off after soldering. Someone is trying to make money off you. I have had some corrosion going on 25 years now. The tank is 32 years old. Works fine. +1 Just clean it off and ca...
by cheese_breath
Fri Jun 11, 2021 6:13 pm
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1962

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

QUESTION: What would you recommend: Repair the valve/pipe only ($250 - $395) or replace the water heater even though it is only 5 years old ($1695 to replace)? The first thing I would do would be to pursue the warranty or try to get the company that installed it to fix it .... From what we think we...
by cheese_breath
Fri Jun 11, 2021 3:59 pm
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1962

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

General Disarray wrote: Fri Jun 11, 2021 3:57 pm
cheese_breath wrote: Fri Jun 11, 2021 3:49 pm Next question. Is the output soldered or threaded into the pipe? It might be as simple as a misaligned nut leaking water.


I think it is crimped.
??? A water line crimped? I can't imagine that passing code.
by cheese_breath
Fri Jun 11, 2021 3:49 pm
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1962

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

From the Bogleheads FAQ: Why can’t I add attachments? [/i] Attachment permissions are granted on a per forum, per group, or per user basis. The board administrator may not have allowed attachments to be added for the specific forum you are posting in, or perhaps only certain groups can post attachm...
by cheese_breath
Fri Jun 11, 2021 3:13 pm
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1962

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

My gas water heater is only 5 years old. (Warranty is for 6 years.)... One of the companies did suggest that the water heater is under warranty and that if they were to replace my water heater, I could possibly save $600-700, since the water heater would be replaced under warranty. The other compan...
by cheese_breath
Fri Jun 11, 2021 11:44 am
Forum: Personal Finance (Not Investing)
Topic: HVAC / Landlord
Replies: 55
Views: 3413

Re: HVAC / Landlord

... If it is an AC, then I agree with the other posters, you should just move. There is very little incentive for the landlord to do much. It might be the law, but getting some level of code enforcement to enforce the statute would be very challenging, at least where I live. IANAL, but from OP's de...
by cheese_breath
Fri Jun 11, 2021 10:14 am
Forum: Personal Finance (Not Investing)
Topic: HVAC / Landlord
Replies: 55
Views: 3413

Re: HVAC / Landlord

I think your solution is to move.
by cheese_breath
Thu Jun 10, 2021 10:58 pm
Forum: Investing - Theory, News & General
Topic: Why so many funds in one account
Replies: 48
Views: 2836

Re: Why so many funds in one account

They were your advisor, there to advise you. Didn't you ever talk to them about why they had you buying these funds, what was the strategy, etc? Or did you do no diligence with your money? Think maybe their advice is may be as complicated as the portfolio, and you come out of the meeting with your ...
by cheese_breath
Thu Jun 10, 2021 6:16 pm
Forum: Investing - Theory, News & General
Topic: Why so many funds in one account
Replies: 48
Views: 2836

Re: Why so many funds in one account

blueberrypi wrote: Thu Jun 10, 2021 6:10 pm If only there were a way to build a diversified portfolio with a few simple funds... and a few minutes a year was all you needed to monitor and rebalance. Maybe someday! :)
Remember this one?

https://dilbert.com/search_results?terms=Index+Funds
by cheese_breath
Thu Jun 10, 2021 5:18 pm
Forum: Investing - Theory, News & General
Topic: Why so many funds in one account
Replies: 48
Views: 2836

Re: Why so many funds in one account

...I struggle with the idea that typical advisors, brokers, and generally financial services salesmen consciously operate to deceive their customers in order to take money out of people's pockets... Deceive may be a little strong. Put their interests above their client's interests may be more appro...
by cheese_breath
Thu Jun 10, 2021 2:10 pm
Forum: Investing - Theory, News & General
Topic: Why so many funds in one account
Replies: 48
Views: 2836

Re: Why so many funds in one account

He wants to impress you with how complex managing your finances is and how much he's doing for you. Plus it might benefit his income to have you in more funds, especially if some of them are load funds.
by cheese_breath
Thu Jun 10, 2021 2:04 pm
Forum: Personal Consumer Issues
Topic: Elder care robotics
Replies: 34
Views: 2171

Re: Elder care robotics

I wouldn't want a robot changing my diaper.
by cheese_breath
Wed Jun 09, 2021 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne Mastercard
Replies: 1
Views: 407

CapitalOne Mastercard

Just received an the following notification about my GM Mastercard (CapitalOne) Effective September 1, 2021, the following benefits are being discontinued: MasterRental® Coverage Extended Warranty Coverage Price Protection Travel Assistance Services Master RoadAssist® Service $100,000 Worldwide Auto...
by cheese_breath
Wed Jun 09, 2021 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Home seller (at-least initially) declined only offer at list price
Replies: 97
Views: 10484

Re: Home seller (at-least initially) declined only offer at list price

Will be interesting to see what seller's agent does... since a full price offer was received, I believe the agent is entitled to their commission even if the seller doesn't accept the offer I'd (or tell you friend) to sit tight and see what happens... if the seller declines a full price offer, so b...
by cheese_breath
Wed Jun 09, 2021 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Home seller (at-least initially) declined only offer at list price
Replies: 97
Views: 10484

Re: Home seller (at-least initially) declined only offer at list price

Is this through FSBO or realtor? IF FSBO he can do whatever he wants. If through realtor he might owe realtor a commission.
by cheese_breath
Tue Jun 08, 2021 11:27 am
Forum: Personal Consumer Issues
Topic: When did cars start good safety features?
Replies: 100
Views: 6019

Re: When did cars start good safety features?

.... I think the most significant safety features have been seat belts, air bags, antilock brakes, and electronic stability control. I think those were all standard by 2012. Improved body structures have also been a huge improvement, although its not something obvious. I think most cars from 2012 o...
by cheese_breath
Mon Jun 07, 2021 10:44 am
Forum: Personal Investments
Topic: Consolidating my MIL's funds
Replies: 22
Views: 1168

Re: Consolidating my MIL's funds

I have read the trust and have it in front of me. The Settlor and Trustee is my MIL. There is no mention of a bank in the document. So she is paying the bank to manage it for her. But her being the only trustee brings up a problem if her memory deteriorates to where she can't function as trustee an...
by cheese_breath
Sun Jun 06, 2021 11:36 pm
Forum: Personal Investments
Topic: Consolidating my MIL's funds
Replies: 22
Views: 1168

Re: Consolidating my MIL's funds

Do you have her POA, or are you just helping and she authorizes everything? If you don't have it you should get it while her memory is still working.
by cheese_breath
Thu Jun 03, 2021 1:35 pm
Forum: Personal Consumer Issues
Topic: ACA vs Medicaid
Replies: 6
Views: 576

Re: ACA vs Medicaid

LetsGoHiking wrote: Thu Jun 03, 2021 11:59 am ... she has some savings but the plan would be to not draw on these right now...
For Medicaid she might be required to spend down her savings.
by cheese_breath
Thu Jun 03, 2021 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Will Vs Living Trust
Replies: 17
Views: 1549

Re: Will Vs Living Trust

... 2) Cost of a trust is in the neighborhood of a few thousand $$ ... That must be one complicated trust or one expensive attorney. My attorney charged me $2,500 for revocable trust plus wills, durable POAs, medical POAs, HIPAA authorizations and physician directives for DW and myself two years ag...
by cheese_breath
Thu Jun 03, 2021 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Will Vs Living Trust
Replies: 17
Views: 1549

Re: Will Vs Living Trust

If your estate is small enough after disposing of all designated beneficiary assets you might qualify for small estate processing, and probating the will might not be necessary. https://michiganlegalhelp.org/self-help-tools/wills-life-planning/overview-of-small-estate-processes#which-process-is-righ...
by cheese_breath
Wed Jun 02, 2021 11:10 pm
Forum: Personal Consumer Issues
Topic: Hospital bed needed for Mom - any advice?
Replies: 20
Views: 1336

Re: Hospital bed needed for Mom - any advice?

Medical Device Depot carries hospital beds, both sales and rentals.

https://www.medicaldevicedepot.com/Hosp ... s/3061.htm

I never got a hospital bed from them, but did purchase a couple nebulizers for DW and was satisfied with their products and service.
by cheese_breath
Tue Jun 01, 2021 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Big Tax Bill because of Missing Paperwork on IRA Rollover
Replies: 23
Views: 1455

Re: Big Tax Bill because of Missing Paperwork on IRA Rollover

When you directed them to move the money did you use the word "transfer", or did you use the word "rollover"? If they transferred it (cashed it out), then you should have a non-qualified annuity and shouldn't pay taxes on the return of your principal.
by cheese_breath
Tue Jun 01, 2021 1:56 pm
Forum: Personal Investments
Topic: "Premium online" savings account at PenFed - is there a catch?
Replies: 6
Views: 1409

Re: "Premium online" savings account at PenFed - is there a catch?

I suppose one 'catch' is you can do just as good or better at an online bank. And you'll notice the premium account isn't accessible through ATMs.
by cheese_breath
Mon May 31, 2021 11:02 pm
Forum: Personal Investments
Topic: Help for Veteran on Hospice
Replies: 5
Views: 986

Re: Help for Veteran on Hospice

90+YO and on hospice. Who are you planning to help, him or his beneficiaries?
by cheese_breath
Mon May 31, 2021 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Opening safe deposit box
Replies: 13
Views: 2345

Re: Opening safe deposit box

hudson wrote: Mon May 31, 2021 4:57 am ... Bottom Line: Each state is different....
So if OP would tell us which state he's in he might get better answers.
by cheese_breath
Sun May 30, 2021 11:44 pm
Forum: Non-US Investing
Topic: Companies that are unlikely to pay dividends in the future [Germany]
Replies: 12
Views: 1332

Re: Companies that are unlikely to pay dividends in the future

Because I can not invest in a tax sheltered account, I am thinking of investing in a company or a selection of companies that try to reinvest their profits or simply buy back shares and never pay out dividends. Berkshire comes to mind. But can they eternally reinvest capital and grow with the marke...
by cheese_breath
Fri May 28, 2021 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Car Payoff Question
Replies: 8
Views: 521

Re: Car Payoff Question

...My question is- Couldn't I just make a lump some payment for just shy of the final bill, and have next month's automatic payment cover the remaining couple hundred dollars and be done with it?... If you do this are, how confident are you it would take exactly the correct amount amount still owin...
by cheese_breath
Fri May 28, 2021 11:08 am
Forum: Non-US Investing
Topic: Donating investments to your children(?) [UK]
Replies: 19
Views: 2108

Re: Donating investments to your children(?)

I don't think you are going to find a lot of folks familiar with UK tax law in the US forum. not a tax question per se. More like 'giving a donation now vs leaving out wealth to them after we die' question But not knowing UK tax laws does influence what we might recommend. How do gift taxes compare...
by cheese_breath
Thu May 27, 2021 4:05 pm
Forum: Personal Investments
Topic: Monthly vs Annual Retirement Distributions?
Replies: 15
Views: 1796

Re: Monthly vs Annual Retirement Distributions?

There's another option. Take it when you need it, and if you haven't taken it all by December take the rest then.
by cheese_breath
Wed May 26, 2021 4:55 pm
Forum: Personal Consumer Issues
Topic: Evaluating (comparing/choosing) hospitals
Replies: 35
Views: 2887

Re: Evaluating (comparing/choosing) hospitals

Are there good/reasonable approaches for a lay-person to compare amongst different hospitals? I'm particularly thinking of trying to evaluate emergency care options, to some reasonable extent, in advance. Emergency rooms run wildly variable shifts that rotate among doctors/staff and has a fairly hi...
by cheese_breath
Wed May 26, 2021 2:13 pm
Forum: Personal Consumer Issues
Topic: Evaluating (comparing/choosing) hospitals
Replies: 35
Views: 2887

Re: Evaluating (comparing/choosing) hospitals

psteinx wrote: Wed May 26, 2021 11:05 am Are there good/reasonable approaches for a lay-person to compare amongst different hospitals?

I'm particularly thinking of trying to evaluate emergency care options, to some reasonable extent, in advance.
IMO In a real emergency, distance to the nearest hospital takes priority.
by cheese_breath
Wed May 26, 2021 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Turn down promotion?
Replies: 50
Views: 5049

Re: Turn down promotion?

What will the bosses think? In some companies you can get away with this without hurting your future. In others, that's the last promotion you'll ever be offered if you refuse.
by cheese_breath
Tue May 25, 2021 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Helping MIL possibly downsize
Replies: 19
Views: 2092

Re: Helping MIL possibly downsize

She needs professional help, and I don't mean a realtor.
by cheese_breath
Mon May 24, 2021 1:46 pm
Forum: Personal Consumer Issues
Topic: Hospital bill - worth haggling?
Replies: 76
Views: 6352

Re: Hospital bill - worth haggling?

To me, what the insurance (should) pay is almost un-parseable. It's really hard to understand all the different interactions of co-pays, discounts, part-pays, etc. Maybe if I made a deeper dive... Why would I *want* to haggle? $8,8xx isn't chump change - it's half or a third of the price of a car (...
by cheese_breath
Mon May 24, 2021 1:15 pm
Forum: Personal Consumer Issues
Topic: Hospital bill - worth haggling?
Replies: 76
Views: 6352

Re: Hospital bill - worth haggling?

Pay the bill for the service you received. Simple as that. Payment plan or lump sum is up to you and can be discussed with the hospital billing department. Not as simple as that. I've experienced several instances where providers and/or insurance companies have screwed up. If I hadn't pursued getti...
by cheese_breath
Mon May 24, 2021 12:05 pm
Forum: Personal Consumer Issues
Topic: Hospital bill - worth haggling?
Replies: 76
Views: 6352

Re: Hospital bill - worth haggling?

Before we qualified for Medicare, DW and I were on HMOs and PPOs. In one instance the insurance company paid the contracted amount for a very expensive procedure. But a *itch in the billing department wasn't satisfied and wanted me to pay the rest. It took an in-person visit to the hospital by me to...
by cheese_breath
Mon May 24, 2021 11:13 am
Forum: Personal Consumer Issues
Topic: Hospital bill - worth haggling?
Replies: 76
Views: 6352

Re: Hospital bill - worth haggling?

... admitted to the main hospital, for continued anti-biotics, pain meds, and monitoring. Released next day, about 32 hours after arriving at hospital... I'm on Medicare, so I don't know how your insurance works. But with Medicare this would be considered kept for observation, not admittance. Check...
by cheese_breath
Mon May 24, 2021 9:01 am
Forum: Personal Consumer Issues
Topic: How do you justify family vacation costs?
Replies: 198
Views: 13219

Re: How do you justify family vacation costs?

I always funded vacations from discretionary income after all necessary expenses were met. Then it was just based on emotion. Did it want it more than the other stuff I might want?
by cheese_breath
Sun May 23, 2021 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Do You Know Anyone Who Went BK in Retirement - Why? [Bankrupt]
Replies: 100
Views: 12335

Re: Do You Know Anyone Who Went BK in Retirement - Why? [Bankrupt]

Anyone who requires long term care in a facility will end up technically bankrupt and totally dependent on Medicaid unless they have possibly a million or more in assets. This is particularly true for those with certain terminal diseases such as Alzheimers that progressively get worse over a decade...