Search found 10220 matches

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: 141
Views: 11916

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: 1464

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: 526

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: 796

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: 2228

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: 6583
Views: 1452769

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. ...
by cheese_breath
Thu Apr 15, 2021 5:46 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1268

Re: Hoover Vacuum Problem

SrGrumpy wrote: Thu Apr 15, 2021 5:38 pm Crikey. It's almost as old as some of my socks..
Do you patch your socks? :happy
by cheese_breath
Thu Apr 15, 2021 5:17 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1268

Re: Hoover Vacuum Problem

Are you keeping this for it's antique value? Get a new one with a HEPA filter.
by cheese_breath
Thu Apr 15, 2021 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7212

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

I DREAM of the day when credit scores are irrelevant to me. I'm almost there... Cheers Almost irrelevant. I'm retired 24 years, and except for credit cards never used any credit since then. But I've still had at least two hard pulls. One when I opened a checking account at a different credit union,...
by cheese_breath
Thu Apr 15, 2021 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Employer retirement plan withdrawal restrictions
Replies: 3
Views: 380

Re: Employer retirement plan withdrawal restrictions

OP, most folks will need more details info in order to provide any meaningful advices. Without any numbers such as your current salary, how much is in the account, how long you have worked in the current company as well as vesting schedule for your retirement account.... As well as some indications...
by cheese_breath
Wed Apr 14, 2021 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7212

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

I didn't read the previous posts. But if i was a dealer and someone walked in with $40K in cash to buy a car (is this in twenties?) I'd want to see something good to ease my suspicions.
by cheese_breath
Wed Apr 14, 2021 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Employer retirement plan withdrawal restrictions
Replies: 3
Views: 380

Re: Employer retirement plan withdrawal restrictions

.... I probably should've filed for bankruptcy before things got this far.... You're considering leaving your job (only source of current income?) so you can raid your pension (only source of retirement income?) Do I have this tight? If you should have filed for bankruptcy before, why aren't you co...
by cheese_breath
Wed Apr 14, 2021 9:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6583
Views: 1452769

Re: What Movie Have You Recently Watched?

Watched "Tina" last night, HBO's documentary on Tina Turner. Very nicely done. Saw it on HBO Max. https://www.hbo.com/documentaries/tina Just watched this and loved Tina and her amazing voice, dancing and moves. Disappointingly it's 90+% talking (yes, it's a documentary), a lot not by her...
by cheese_breath
Wed Apr 14, 2021 6:52 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2781
Views: 276014

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

Queen of the South. I saw the first season in 2016, but then missed seasons 2-4 due to DW's stroke. Just caught the first episode of season 5 last week.
by cheese_breath
Wed Apr 14, 2021 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer of funds from a joint account to an individual account
Replies: 7
Views: 377

Re: Transfer of funds from a joint account to an individual account

I've written checks for hundreds of thousands of dollars to myself when the institutions would not facilitate an electronic transfer of funds. Aside from the the long wait for the check to clear, it has proven to be the simplest way to move large sums from one account to another. The only potential...
by cheese_breath
Wed Apr 14, 2021 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Transfer of funds from a joint account to an individual account
Replies: 7
Views: 377

Re: Transfer of funds from a joint account to an individual account

Are both accounts at the same financial institution? You can probably just transfer from one to another. If at different institutions, just write a check to yourself from the joint account. and deposit it in the individual account.
by cheese_breath
Tue Apr 13, 2021 4:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6583
Views: 1452769

Re: What Movie Have You Recently Watched?

Watched Joker last night. Mixed feelings on this one. Interesting trying to determine what was real and what was fantasy as the movie went on. But the ending where we learn the whole thing is fantasy was a real downer. I didn't have this kind of downer with the St. Elsewhere finale where we learn th...
by cheese_breath
Tue Apr 13, 2021 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Funeral Assistance
Replies: 9
Views: 1264

Re: COVID-19 Funeral Assistance

Anyone know if there is an income limit that qualifies one for this benefit? Don’t see anything online but the recording says you need to provide your gross income. I don't know, and I didn't ask. I provided the gross from my 2020 tax return, but told her that included withdrawals from my IRA to pa...
by cheese_breath
Tue Apr 13, 2021 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Funeral Assistance
Replies: 9
Views: 1264

Re: COVID-19 Funeral Assistance

Hooray, I got in. Mariah collect some basic information from me and verified my identity. Next step is I wait for a letter or Email asking me to send in all the required documentation... death certificate, expenses. etc.
by cheese_breath
Tue Apr 13, 2021 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Parent's 3 unit property after move to nursing home
Replies: 3
Views: 430

Re: Parent's 3 unit property after move to nursing home

Are they still mentally competent? If yes, it's up to them. If no, do you have their POA?
by cheese_breath
Tue Apr 13, 2021 10:22 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Funeral Assistance
Replies: 9
Views: 1264

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. My GF has tried a few t...
by cheese_breath
Tue Apr 13, 2021 8:43 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Funeral Assistance
Replies: 9
Views: 1264

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: 1197

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: 22
Views: 1413

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: 22
Views: 1413

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: 6583
Views: 1452769

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: 7043

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: 510

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: 510

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: 56
Views: 4579

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: 2993

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: 2993

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: 2993

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: 2993

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: 470

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: 2549

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: 3330

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: 3330

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: 803

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: 2850

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: 3330

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: 2850

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: 1181

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: 6583
Views: 1452769

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: 4370

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: 2781
Views: 276014

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: 4370

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: 39
Views: 3983

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: 871

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: 871

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....