Search found 405 matches

Return to advanced search

Re: Can you really know your AA until you've hit a bear mark

FWIW, I find I am comfortable with a 30/70 equity/bond-cd portfolio instead of the 50/50 I was originally aiming for, even though Vanguard's risk questionnaires recommends a 50/50.
by Gnirk
Sat Mar 28, 2015 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 74
Views: 5105

Re: Fish from Costco?

We buy both their frozen wild Halibut fillets (very good) and wild Alaska salmon fillets.
by Gnirk
Sat Mar 28, 2015 2:57 am
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5369

Re: Roommate problems

If the utilities are not already included in the rent, the girlfriend should pay 1/3 of the utilities. There will likely be an increase in the use of water and electricity. Female roommates usually, not always, take longer to dry their hair (more electricity) and may prefer baths to showers (more wa...
by Gnirk
Sun Mar 22, 2015 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 4166

Re: Which credit union are you a member of?

Edited: duplicate post
by Gnirk
Thu Mar 19, 2015 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 4663

Re: Travel Insurance

Yes, we purchase our travel insurance through tripinsurancestore.com, but always call and talk to Steve first. We've used it twice: in 2005 when we missed our connection and had to stay a night in London, and in 2010 while on a cruise from NY to Quebec City and I had a stroke. Spent five days in the...
by Gnirk
Fri Mar 13, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 20
Views: 1179

Re: Will you buy an Apple Watch?

No. I love my classic Concord watch.
by Gnirk
Wed Mar 11, 2015 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17861

Re: Vanguard Brokerage 1099 Available

My flagship rep says our Brokerage 1099 will be available on March 16th. Annoying, but not the end of the world. Just have to change our appointment with our CPA.
by Gnirk
Tue Mar 10, 2015 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 3305

Re: If you have $1 million...

We have $ x million IN SPITE of my DH buying new cars every now and then....well, it used to be more often before we retired. Now he buys nice USED cars.
But it's his only vice.....other than that, he is very frugal. Me? I buy a car, maintain it, and drive it until it dies.
by Gnirk
Thu Mar 05, 2015 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6251

Re: Where's your Will?

The original is in our safe at home, and our attorney has a copy.
by Gnirk
Mon Mar 02, 2015 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 46
Views: 2959

Re: Vanguard Brokerage 1099 Available

Lucky You!
Neither my DH nor my Brokerage 1099's are available, though my mother has hers. I was told today it could be as long as March 17th. The only holdings are individual tax-exempt, non-AMT Muni Bonds. And our appointment with the CPA is for March 6th.
Oh,well.
by Gnirk
Sat Feb 28, 2015 3:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 3305

Re: Vanguard brokerage tax forms changed to late Feb. questi

I just called Vanguard.....again! We've received the Brokerage 1099 for my mother's trust account, but we haven't received them for my account or my husband's account. When I spoke to them yesterday, the Flagship Rep said they would be available today. They weren't. I called today and they said Marc...
by Gnirk
Fri Feb 27, 2015 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 93
Views: 7545

Re: IRS Called and Asked for Personal Information

No, the IRS doesn't call taxpayers to verify or request information, according to their website. They communicate by snail-mail. I and some friends have also received these bogus phishing calls. In some case, the callers have been very threatening. It's difficult to report them, because they "s...
by Gnirk
Thu Feb 26, 2015 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Called and Asked for Personal Information
Replies: 16
Views: 1697

Re: Vanguard brokerage tax forms changed to late Feb. questi

I just checked, and our brokerage account 1099 statements are still not available :annoyed
by Gnirk
Tue Feb 24, 2015 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 93
Views: 7545

Re: Thoughts on replacing tires?

When we replace tires, we go to Costco first for a quote, usually when they have Michelin's on sale. If the car is one we only drive locally, we use Costco. If the car is one we use for travel, we go to Discount Tire in Washington, and American Tire in California. They will match Coscto's prices, an...
by Gnirk
Sun Feb 22, 2015 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3591

Re: When 60/40 just isn't appropriate

Thank you, Rick, for your article. I finally realized I am just not comfortable with 50/50 or even 40/60, and I am striving to get my portfolio to a 35/65 AA (I was at 20/80 due to a windfall of Muni Bonds and CDs).

My DH, on the other hand, is quite happy with his 50/50 AA.
by Gnirk
Sat Feb 21, 2015 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 13523

Re: Market Top

I have no "play money"and I am retired. I am investing a windfall by DCA monthly, to get my AA to 35% stocks, 60% bonds, 5% cash. That isn't aggressive, but it's what I am comfortable with. The windfall was individual munis and CDs, so my stock portion was only 20%. I'm investing as they m...
by Gnirk
Sat Feb 21, 2015 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 5221

Re: Prorating Tax Refund with Dear Wife

My husband and I are both retired, it's our second marriage, and we keep our finances separate. His net worth and income are significantly more than mine, and he pays the majority of our expenses. We have XX% taken out of his RMD and SS for taxes, and the same percent taken out of my RMD, retirement...
by Gnirk
Wed Feb 18, 2015 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prorating Tax Refund with Dear Wife
Replies: 18
Views: 1771

Re: Selling older home with old knob and tube wiring

When my mom sold her father's home, with about the same amount of knob and tube wiring, she listed and sold it "as is". According to her, the bank (lender) made the loan contingent upon the buyer upgrading the wiring. He also had to pay to have the in-ground oil tank removed. He really wan...
by Gnirk
Tue Feb 17, 2015 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling older home with old knob and tube wiring
Replies: 34
Views: 2722

Re: Hospice vs Long Term Care

I am sorry to hear about you friend.I would suggest she read the policy. Usually if she is unable to do a specific number of Activities of Daily Living, she will qualify. Even if she's not there yet, she may want to file a claim anyway. All they can say is "no". Some policies allow in-home...
by Gnirk
Tue Feb 17, 2015 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Hospice vs Long Term Care
Replies: 13
Views: 1075

Re: Expecting a big inheritance - Should it change my life?

OP, what happens when your aunt needs 24/7 care that costs lots of $$$ and/or expensive medical care that drains her finances? She could live another 20 years--more and more people are living to be 100+. Don't expect to inherit ANYTHING and you won't be disappoinoted. Well, I understand that may ha...
by Gnirk
Sun Feb 15, 2015 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8224

Re: Expecting a big inheritance - Should it change my life?

NEVER count your chickens before they are hatched. If, or when, you inherit, take some time to devise a wise plan for investing your inheritance.
by Gnirk
Sun Feb 15, 2015 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8224

Re: Intermediate term tax-exempt bond fund

I am retired, and my IRA is approximately 10% of my portfolio (late start), so I hold VWIUX in my taxable account.
by Gnirk
Sun Feb 15, 2015 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax-exempt bond fund
Replies: 14
Views: 1337

Re: Costco Vacation Packages

We always use them for rental cars...have excellent rates. We used them to book an Alaska cruise several years ago. Just booked our Viking river cruise with them. Received on- board credit of $100, plus a nice cash back card at the end of our cruise.
by Gnirk
Sun Feb 15, 2015 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Costco Vacation Packages
Replies: 30
Views: 4899

Re: How to make this fair: gifting to kids with different me

We always keep it equal. I've seen too many hurt feelings when done otherwise.
by Gnirk
Fri Feb 06, 2015 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9169

Re: Vanguard Setup and Filing Taxes

Yes, contact your account representative. I have all of the following accounts linked, and am able to have my regular account, IRA, and brokerage account; my husbands regular account, his IRA and brokerage account; my mother's living trust accounts (I am the trustee) and my daughter's TIRA and ROTH ...
by Gnirk
Thu Feb 05, 2015 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Setup and Filing Taxes
Replies: 6
Views: 626

Re: POLL: How Will You Complete Your 2014 Taxes?

Our CPA will be doing our taxes.
by Gnirk
Sat Jan 31, 2015 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4900

Re: Bringing up 529s to the grandparents

Have your spouse plant the seed about contributing to a 529 plan. Most of the grandparents we know, including us, brought up the subject ourselves to the parents. We always gave a small gift for them to open on their birthdays, and a check for the parents to deposit to the 529. Christmas was a bit m...
by Gnirk
Thu Jan 29, 2015 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 3248

Re: Elderly Mother in MI - Assisted Living transition

For what it's worth: In our area, there can be a great difference in the quality of personal care between most private pay homes and Medicaid homes. We are spending her money on the best care we can find. We sold her home, and the proceeds plus her savings, will pay for another 7 years of care in an...
by Gnirk
Sun Jan 25, 2015 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elderly Mother in MI - Assisted Living transition
Replies: 10
Views: 1060

Re: Grandfather wanting to transfer portfolio to kids. Ques

Apparently your grandpa is willing to pay for LTC from his own pocket. Someone should talk to him about becoming MEDICAID eligible. You should accompany your mother to an elder care attorney----its time he gave his trust to an attorney. What say you? Are you serious with this post? Do you really be...
by Gnirk
Fri Jan 23, 2015 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 3156

Re: Poll

Cremation, but interred in the ground because family (mom) already owns 4 cemetery plots (since 1949), and we can put two cremated remains in each plot. We refer to it as "The Family Condo". Kind of boring compared to what my friends have done: One friend, whose husband passed at 58 and wa...
by Gnirk
Thu Jan 22, 2015 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 718

Re: Parents spending on grandkids

Be happy that your parents are enjoying their retirement. It sounds like they have the means to do so. Be grateful they aren't like my parents, who also had very good retirement income and investments. My dad really wanted to travel, but my mother was extremely frugal and didn't want to spend the mo...
by Gnirk
Thu Jan 15, 2015 1:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Parents spending on grandkids
Replies: 23
Views: 1910

Re: Two Homes in Retirement?

A. Daughter may not stay in the area for long. Assuming she will attend College, she may be there for four years. After graduation, she will most likely leave the area for employment. B. Condos are not always easy to sell. Or to get financing, as previously mentioned. You will probably pay cash, but...
by Gnirk
Mon Jan 12, 2015 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Two Homes in Retirement?
Replies: 38
Views: 3585

Re: Moving ALL my accounts to Vanguard

My DH and I moved all of our investment accounts to Vanguard, and we're very happy.
by Gnirk
Sat Jan 10, 2015 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving ALL my accounts to Vanguard
Replies: 16
Views: 2236

Re: Vanguard Flagship

Re: customer service- I just finished my call to Vanguard Flagship, without delays or problems. After I went through voice verification, I was told my rep wasn't available, and talked to another rep who walked me through taking my first RMD. Also answered my many questions regarding other Vanguard b...
by Gnirk
Thu Jan 08, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship
Replies: 5
Views: 1359

Re: Michael Kitces on long-term care insurance

A significant majority of insured end up using their benefit. Under such circumstances it's hard to imagine it being cost effective to use the insurance rather than just saving the money yourself. Again I say, "tontine." My mother has been in LTC for over 7 years. Her LTCI paid for four y...
by Gnirk
Wed Jan 07, 2015 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Michael Kitces on long-term care insurance
Replies: 17
Views: 2107

Re: Do you usually order beverage at restaurants?

I order only water, because I like it, and because I don't like to pay $2-$3 for tea or iced tea. In some cities in southern California, you only get water if you order it, under city mandate. (Though they aren't charging for it.........yet)
by Gnirk
Sun Dec 28, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7739

Re: Fire Advisor & Simplify Mom's portfolio for long term ca

Can you transfer the account to Vanguard, in kind? If so, it will most likely cost you much less in commissions to sell some of those stocks. I assume you, and she, are happy with her Alzheimer's care facility? As for her life expectancy, that is the unknown. However, if she is otherwise healthy, sh...
by Gnirk
Fri Dec 26, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fire Advisor & Simplify Mom's portfolio for long term care?
Replies: 11
Views: 1022

Re: Why Is IRS Aksing For Information Update For Trust?

My mother receives the same letter from one of her stocks......every year. Every year she fills it out, with a note that because it is a revocable living trust, it does not need a separate EIN, and uses he SS#. And still she receives a letter the following year. :annoyed
by Gnirk
Mon Dec 22, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Is IRS Aksing For Information Update For Trust?
Replies: 8
Views: 1430

Re: Series EE Bonds

Thank you.
by Gnirk
Mon Dec 22, 2014 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Series EE Bonds
Replies: 12
Views: 1895

Re: Series EE Bonds

I had 4 EE bonds, face value of $100 each mature a year ago. The maturity value of the bonds was $293.80 each, and of that, $243.80 was interest. Total value = $1175.20, total interest = $975.20. My tax bracket is 25%, so the taxes on the interest = $243.80. My mom has approximately $69,000 value of...
by Gnirk
Sun Dec 21, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Series EE Bonds
Replies: 12
Views: 1895

Re: Helping out family members

You sound like a compassionate and caring person to consider helping someone who has been cruel to you in the past. I guess I would want to know how this person came to this trouble? Otherwise you may be throwing good money after bad, and just postponing the inevitable. If you are asked for help, an...
by Gnirk
Mon Dec 15, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4889

Re: Suspicious House Odor

We've had that issue with a rarely, if ever, used shower in the downstairs bath. Running water into the drain for 5 minutes usually takes care of it.
I've also poured some white vinegar and baking soda down the drain.
by Gnirk
Mon Dec 08, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Suspicious House Odor
Replies: 22
Views: 3205

Re: Who Paid for the wedding?

I was first married in 1966, and my husband's parents paid for the rehearsal dinner at the local Elks club, and my parents paid for our very modest wedding (less than $1,000, including everything), compared to today's standard weddings. My second marriage was in 1995, we paid for it, and because it ...
by Gnirk
Mon Dec 08, 2014 12:29 am
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6821

Re: Anyone Had Experience with CIT Bank?

My DH has a CD with CIT, and I've had a CID with CIT.
Very easy.
by Gnirk
Sun Dec 07, 2014 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Had Experience with CIT Bank?
Replies: 5
Views: 472

Re: Am I being cheap?

I didn't have an engagement ring for either of my marriages. The first one we were 21, and couldn't afford an engagement ring. However, I designed my wedding band and had it made by a local jeweler, which cost much less and was beautiful, unique, and one-of-a-kind. The second marriage, which occurre...
by Gnirk
Sat Dec 06, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 9466

Re: A question about Merriman's Buy & Hold Bonds

I live in a state which has no state income tax. I hold tax-exempt bonds and bond funds in my taxable account. I hold Taxable Bond Funds, both corporate and government (but not tax-exempt municipal bond funds) in my IRA. If I held those in my taxable account, I would have to pay Federal Income tax o...
by Gnirk
Wed Dec 03, 2014 8:33 pm
 
Forum: Investing - Theory, News & General
Topic: A question about Merriman's Buy & Hold Bonds
Replies: 10
Views: 905

Re: Valuation of EE Savings Bonds

I value them based on TD current value. I also keep in mind their after tax value.
by Gnirk
Wed Nov 26, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 48
Views: 4404

Re: Brother wants me to co-sign a house with him

I see no advantage to the house or the business, but I see a lot of potential liabilities. And when all is said and done, if things go wrong, the OP will be left holding the bag.
by Gnirk
Tue Nov 25, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 5216

Re: Bogleheads, anyone doing "Black Friday"

lululu wrote:I plan on staying home with my cat and reading novels, and celebrating Buy Nothing Day.


+1
by Gnirk
Mon Nov 24, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 6412
Next

Return to advanced search