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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: 31
Views: 1838

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: 86
Views: 5667

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: 1623

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: 86
Views: 5667

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: 3401

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: 13029

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: 4916

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: 1704

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: 2613

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: 1025

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: 7882

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: 7882

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: 1273

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: 4832

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: 8886

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: 622

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: 4756

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: 3194

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: 1041

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: 3130

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: 711

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: 1885

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: 3525

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: 2202

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: 1351

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: 2072

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: 7679

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: 1015

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: 1415

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: 1875

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: 1875

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: 4821

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: 3171

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: 6742

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: 464

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: 9342

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: 890

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: 4195

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: 4788

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: 6397

Re: Bogleheads, anyone doing "Black Friday"

I've never shopped the day after Thanksgiving. However, I used to always shop the day after Christmas, buying gifts at deep discounts for the following year, but not any more. Now, I usually give "experiences", such as live theater tickets, or concert tickets, yoga classes, golf lessons, o...
by Gnirk
Mon Nov 24, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 6397

Re: Jim Cramer dad & LTCI

I've heard too many stories like Jim Cramer's. It makes me so grateful for the experience we had with Genworth, though I'm sure ours may not be the typical experience. My mom's LTC policy was a Nursing Home only policy that restricted coverage to a skilled nursing facility, outlining how many hours ...
by Gnirk
Sat Nov 22, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3825

Re: Standard questions on found stock certificate

Disney stock split in 1986, 1992, and 1998. So if he never sold the original shares, you have much more than 48 shares. 1986 split 4 for 1. 1992 split 4 for 1 1998 split 3 for 1. Today's share price is $89.10. But if he still owned them, he should have been receiving dividends. If he doesn't own the...
by Gnirk
Fri Nov 21, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Standard questions on found stock certificate
Replies: 10
Views: 795

Re: Today is Thanksgiving Day for my family

Happy to hear your kids are safe.
by Gnirk
Thu Nov 20, 2014 2:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Today is Thanksgiving Day for my family
Replies: 7
Views: 1590

Re: What temperature for house for long winter absence?

We live in the Pacific Northwest and leave for five months in fall/winter and set the thermostat to 60 degrees.
by Gnirk
Thu Nov 20, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 7636

Re: Your favorite classic toys for kids

A stuffed Pooh Bear, the Game of Life, Monopoly, and for little kids Chutes and Ladders (if they're still around).
by Gnirk
Sat Nov 15, 2014 1:34 am
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 5618

Re: Who is mailing Holiday Cards this year?

I still believe in sending cards and writing personal notes and thank you notes. I think all the electronics we enjoy these days have removed so much of personalized communication.

Texting "Merry Christmas" or Happy Birthday" seems so impersonal, but I know adults who do that.
by Gnirk
Sat Nov 15, 2014 1:32 am
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 4644

Re: Obligation to Parents?

I come from an Asian background and my husband is white. My parents were frugal and managed to save up over a million for retirement on a blue collar salary. So yes, you could say there were responsible. However, due to my sibling basically defrauding them of all their money, and then some serious ...
by Gnirk
Thu Nov 13, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4372

Re: Obligation to Parents?

I am worried that this thread is seriously off topic for the forum I will note that a few states are seriously expanding the legal expectation to support parents (I'm talking litigation not legislation) Dealing with the optimum methods of providing support is, I think a legitimate topic I think the...
by Gnirk
Thu Nov 13, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4372
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