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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: 35
Views: 1853

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: 2779

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: 58
Views: 4170

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: 58
Views: 4170

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: 3392

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: 488

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: 6
Views: 1069

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 Finance (Not Investing)
Topic: What temperature for house for long winter absence?
Replies: 31
Views: 2868

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: 4112

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: 3255

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: 3749

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: 3749

Re: When do you buy a new home computer?

With my Dell products, they slowed down or had other issues by the time they were five years old and I replaced them then. Now I have a MacBook, which I bought three years ago. My daughter's MacBook is about six years old now. I never thought I'd go for the Apple products, but now I'm all in. Just e...
by Gnirk
Sat Nov 08, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4202

Re: Brother involved with golddigger

How long have they been in this relationship? Unless it's been several years, frankly, naming her as executor, MPOA, and beneficiary raises a bright red flag for me. It also makes me think he may, and please don't take offense at this, have some early mild cognitive impairment issues. Because if thi...
by Gnirk
Fri Nov 07, 2014 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8286

Re: How do you wash your car?

We use a car wash that has felt "brushes", because we just can't manage it ourselves any longer.
by Gnirk
Fri Oct 24, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7100

Re: Elder Law attorney (Trusts, Medicaid, nursing homes)

FYI: Often there are alternatives to nursing homes, which cost less and can provide higher quality and more personal care. My mother has dementia (never, ever thought she would have Alzheimer's) and has lived in a private care home for the past seven years. The care she receives is more personal tha...
by Gnirk
Fri Oct 24, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 2012

Re: Do you regret buying your home?

No, but I regret that my husband insisted on building on a nearly half-acre lot and a house with an UPSTAIRS Master Bedroom, even after I explained to him that his severe arthritis was only going to worsen as he aged. And it did. Unfortunately, there are no main floor bedrooms to utilize. And he lov...
by Gnirk
Thu Oct 23, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6971

Re: Gross Yearly Income needed in Retirement (Speculation)

We are retired and maintain a regular home and a modest snowbird home. Travel internationally maybe once every three years, but probably won't do more of that because of developing mobility issues. We fly across country to visit kids/grandkids every other year. And DH plays golf twice a week. Pretax...
by Gnirk
Tue Oct 21, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12933

Re: Market Slide Percentages?

Starting in May I have been dollar-cost averaging at the rate of $10,000-$20,000 per month into the equity market from matured CDs in order to get my AA to 40 stocks/60 bonds.(These were part of a windfall in 2012), I have subsequently "lost" most of that due to the recent market declines....
by Gnirk
Thu Oct 16, 2014 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1890

Re: What Do You Keep In Your Bank Safe Deposit Box?

Jewelry and savings bonds.
by Gnirk
Mon Oct 13, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2647

Re: What happens when there is no estate planning: reference

I was able to convince my mother to go to an attorney and draw up her will, Durable Power of Attorney for health care and financial, and Health Care Directive by telling her that I was doing this (true), because I wanted to be sure who would be making the decisions if something happened to me. For e...
by Gnirk
Mon Oct 13, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: What happens when there is no estate planning: reference?
Replies: 18
Views: 1168

Re: Couch Surfing

My daughter travelled Europe for 3 weeks by herself, and all but one of her stays in the six countries was through couch surfing. She said it was a great experience, she met wonderful people, and in turn has hosted a few at her own small condo in Seattle. Of course, she didn't tell me this until AFT...
by Gnirk
Thu Oct 09, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5890

Re: Things that you will not spend money on and most people

Bottled water, we have a Britta and fill our stainless water bottles from that. Much less expensive and doesn't fill up the land fill with plastic bottles. Fast "food"; it's cheap, but the long-term "side effects" aren't. Starbucks, or any other pricey coffee or latte drinks, tho...
by Gnirk
Wed Oct 08, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4179

Re: New B of A visa chip card, no pin needed?

Thank you for all the info. We are heading to Europe next fall, and I'd hoped this card would act like an EMV card. :annoyed
by Gnirk
Wed Oct 08, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2667

Re: New B of A visa chip card, no pin needed?

"simply tell the merchant your card only requires a signature" Yeah best of luck with that.... The crap that sprouts from US banks is amazing on this topic. They need to catchup with the 1990's already. It's country specific...... It will work a lot of the time and other times you're just...
by Gnirk
Tue Oct 07, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2667

New B of A visa chip card, no pin needed?

I just received my renewed Visa card from B of A. It now has a chip in it, which they say offers more security. However, it is still a "swipe" and sign card. The literature says that if we use it outside the U.S., to "simply tell the merchant your card only requires a signature"....
by Gnirk
Tue Oct 07, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2667

Re: POA Reporting Requirements to Family

I have the durable power of attorney for my mother, both medical and financial.While I am not required to report anything to my sibling, I do confer on medical decisions, though I legally have the final say. I also keep detailed spreadsheets of income and expenses, which I haven't shared, other than...
by Gnirk
Sat Oct 04, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: POA Reporting Requirements to Family
Replies: 24
Views: 1697

Re: See both financial advisor and elder law lawyer for Mom?

With the OPs mother's level of income, she might wish to explore an alternative to SNF/Medicaid if/when she needs care. In our area, and many others, there are Adult Family Homes, licensed by the state to provide 24 hour care. It is less expensive than the nursing homes in our area. Some, as the one...
by Gnirk
Mon Sep 29, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: See both financial advisor and elder law lawyer for Mom?
Replies: 45
Views: 2573

Re: POLL: When I gift/will shares to my relatives, I expect

My parent gifts to my daughters each year, with the intent that they invest it in their Roth IRAs. Which they do.
If/when my daughters inherit my investments, then I hope they will liquidate and invest according to their needs.
by Gnirk
Mon Sep 29, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 24
Views: 1720

Re: See both financial advisor and elder law lawyer for Mom?

Gambler, My mother is in a non-medicaid nursing home. My sister in law's mother is in a medicaid nursing home. The differences between the two facilities could not be starker. My sister in law's mother would not be in the medicaid facility if she had a choice. Your mother can afford to self pay a g...
by Gnirk
Mon Sep 29, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: See both financial advisor and elder law lawyer for Mom?
Replies: 45
Views: 2573

Re: Obese airline passenger

i think its hard to understand just how physically miserable it is to have only half a seat to sit in because the very large person next to you pulls up the armrest and spills over onto half, or more, of your seat, cramming you up against the other armrest. My husband and I had this happen when a hu...
by Gnirk
Sun Sep 28, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4948

Re: Car Accident Responsibility for Borrowed Cars

Car insurance follows the cars, not the drivers. Buy 10 cars and you'll get 10 premiums even if you say "But I can only drive one at a time!" Yup, that's our experience. five cars, not ten, and have to pay an additional $50 per vehicle for our umbrella policy….even though only two cars wi...
by Gnirk
Mon Sep 22, 2014 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Responsibility for Borrowed Cars
Replies: 13
Views: 957

Re: Elder & I Seeking Advice for Elder's Plan

I don't have any investment advice. But, please be sure the elder has his/her legal papers in place. These include a Durable Power of Attorney for Financial, a Durable Power of Attorney for Healthcare, a Healthcare Directive, and a will. The DPOAs are especially important if the elder is starting to...
by Gnirk
Wed Sep 17, 2014 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Elder & I Seeking Advice for Elder's Plan
Replies: 3
Views: 334

Re: Any success stories of ppl who never made >$50,000?

My parents never made anywhere near $50,000 per year, probably not even $25,000 per year, between them. And they retired in 1976. They saved, invested wisely, paid off their home, didn't believe in keeping up with the Joneses, whoever they are, were frugal and kept their cars until they died. They d...
by Gnirk
Tue Sep 16, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10312

Re: The Roosevelts, PBS special

Watched it last night, and we are "taping" it tonight (DVR), so DH can watch baseball.
by Gnirk
Mon Sep 15, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8704

Re: Gifting planning for upper 60s widowed.

If your mom is in her 60's, I don't think she should be gifting large amounts at this point. First of all, it looks like her expenses = income, right now. Does her pension have an automatic COLA? Is it locked in, or can the legislature remove the COLA if it so desires? It's great that she has LTCI, ...
by Gnirk
Fri Sep 12, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 30
Views: 2340

Re: Guidance moving to Seattle

I talked to my daughter, who lives in Seattle, about the "Seattle Freeze". Not so sure it isn't the same everywhere: people on their cells or tablets, listening to music, etc while riding the bus---so no conversations. However she suggested going to Meetup.com, and there's actually a group...
by Gnirk
Wed Sep 10, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance moving to Seattle
Replies: 21
Views: 2002

Re: Poll: Which iPhone 6?

Neither. I like the size of my iPhone 5. I don't want a larger phone.
by Gnirk
Tue Sep 09, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3276

Re: Guidance moving to Seattle

'Seattle Freeze"? First I've heard of it so had to Google it. Wow. My adult daughters both live/work there,and moved to Seattle from where they grew up,(the state capitol) , and have had no problems making friends. That is the craziest thing I've ever heard. Disclosure: I was born and raised in...
by Gnirk
Mon Sep 08, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance moving to Seattle
Replies: 21
Views: 2002

Re: Credit Card Account [Automatically Closed] due to inacti

I had a Nordstrom credit card for 40 years, but seldom used it in recent years because they no longer had a store that was convenient to us. Imagine my disappointment when I visited their flagship store in Seattle, and presented my credit card for my purchase, only to be told it was no longer valid ...
by Gnirk
Sun Sep 07, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Account [Automatically Closed] due to inactivity
Replies: 29
Views: 2050

Re: Think like a rich person

Zabar wrote:• Buying something "on sale" is not saving money; it's spending money.


WIsh I could teach that to my step-daughter!
by Gnirk
Sat Sep 06, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4230

Re: POLL: Has a financial firm made a mistake with your mone

Yes, my online savings account was debited to pay somebody's land-line phone bill in Arkansas. I had to go through every hoop you can imagine to "prove" to them that I didn't do it. I've never paid a bill from the account. And I've never even been in Arkansas, much less had a land-line pho...
by Gnirk
Sat Sep 06, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2821

Re: Where can I go to get a signature guarantee or Medallion

My credit union does Medallion Guarantee, up to $500,000, at no cost. Only the branch managers and assistant managers can do it, and you must be a credit union member.
by Gnirk
Fri Sep 05, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 34
Views: 3138

Re: Do I Even Need a Trust?

California has expensive probate based on value of the estate and with the price of real estate there and the lack of TOD title it sounds like a good candidate for a trust. We placed our California snowbird home into a Revocable Living Trust because of the high probate costs in California, and we l...
by Gnirk
Thu Sep 04, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 2037

Re: Checklist of info to have on elderly parent?

Search for any and all insurance policies, including Long Term Care Insurance. If she has one, you don't want it to lapse because she forgot to pay it. If she has a safe deposit box, ask her to add your name to it. If your mom doesn't have her legal papers in order (durable power of attorney medical...
by Gnirk
Tue Sep 02, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Checklist of info to have on elderly parent?
Replies: 16
Views: 1537

Re: Alzheimer's and Prenup

I understand your dilemma. I am not an attorney, but may I offer a word of advice? Please change your legal documents NOW, and choose new people for your Durable Power of Attorney for both financial and medical, because he will be unable to act in that capacity. And perhaps a visit to someone who sp...
by Gnirk
Mon Sep 01, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's and Prenup
Replies: 20
Views: 3081

Re: Attitudes toward inheritances.

It's sad how people behave when there is an inheritance involved. When my widowed, childless great-aunt (M) died without a will, one of her sisters, Aunt C (another great-aunt) managed to get herself declared executor of the estate. However, before her sister died (she had terminal cancer and was &q...
by Gnirk
Sun Aug 31, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 11514

Re: Do you mix inheritance and earned money?

I will keep any inherited money separate. Second marriage, and whatever I don't need during my lifetime will be left to my two daughters from my first marriage.
by Gnirk
Sat Aug 30, 2014 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Do you mix inheritance and earned money?
Replies: 25
Views: 2319

Re: POLL: Breaking up with advisor

My advisor was a long-time friend, over 30 years. I turned to her many years ago when I had about $25,000 to invest. She bought some good individual stocks. She ended up selling those and buying some CEFs that turned out to be the worst ever, and I subsequently sold those. My husband and I then held...
by Gnirk
Sat Aug 30, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 47
Views: 3367

Re: Anyone used Vanguard Flagship Services With Portfolio $1

One of the nice features of being a Flagship client is the ability to have other family members under your "Flagship Umbrella", which means they also get Flagship perks even though they don't have the $1mm invested at Vanguard. Yes, our daughters' Roth and TIRAs are linked, so no annual a...
by Gnirk
Sat Aug 30, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4450
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