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Re: The slackening...

I can't say there were significant differences in their upbringing as regards money. There's some kind of addictive personality disorder related to excessive spending that kicks on some people but not others. Best way I can explain it... Yes, my DH has two adult children, both educated. One is very...
by Gnirk
Sun Apr 13, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 6581

Re: Why Americans are Retiring Overseas

Would never consider retiring outside of the US. Family means too much to us.
by Gnirk
Tue Apr 08, 2014 12:42 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9081

Re: advice for 83-year-old in-law with Alzheimer's

The SPIA will help, but his care costs will increase, and those increases may be substantial, so one should not assume he will not need the other half of his assets for care expenses. My mother has suffered from Alzheimer's for ten years, and has no other health issues. She requires full care. Fortu...
by Gnirk
Sat Apr 05, 2014 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: advice for 83-year-old in-law with Alzheimer's
Replies: 24
Views: 2687

Re: Death of co-worker

I'm sorry to hear of your co-worker's death. None of us know how long we'll be on this earth. My dad decided to retire early at 55 (he planned for it, because two of his brothers had passed in their early 50's of massive heart attacks.) Dad and Mom enjoyed ten great years of retirement, until he was...
by Gnirk
Mon Mar 31, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9296

Re: Need help with time share offer

You can take a lot of vacations for $48,000! In a nutshell, don't buy it. The reasons: You won't be able to sell it for anywhere near that price. You will be paying a hefty maintenance fee every year. They ALWAYS throw in extra points as an incentive. And even with the points system, you have no gua...
by Gnirk
Mon Mar 31, 2014 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help with time share offer
Replies: 22
Views: 1538

Re: Viking River Cruises

We've been on two Viking River Cruises, and enjoyed both of them, and prefer river cruising over ocean cruises. We've taken the Rhine River Cruise in May, and it rained the entire time……but was very enjoyable in spite of the crummy weather. We extended our trip in Amsterdam, and walked everywhere (t...
by Gnirk
Fri Mar 21, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Viking River Cruises
Replies: 26
Views: 2862

Re: best way to buy jewelry?

I would suggest taking a look at Costco's jewelry department. They have a range of prices. Costco also does not try to take advantage of their customers. I expect everything there to be a good value and fairly priced. They have a selection in the retail stores and another selection on-line. Jeff Go...
by Gnirk
Fri Mar 21, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: best way to buy jewelry?
Replies: 28
Views: 1857

Re: Children: Are they worth every penny?

Yes,they are worth every penny, every joy, every heartache. But we limited the number to two.
by Gnirk
Wed Mar 19, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4601

Re: Your thoughts on vacation home or second home

We have a second home, very modest but nice, which we bought in 1999. We didn't spend a ton of money, and didn't buy it for an investment, we bought it to get out of the rainy winters for 5 months of the year. However, we were both on board with the purchase. You don't have to invest $200,000 plus i...
by Gnirk
Tue Mar 18, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3617

Re: Vanguard CFP: Does the individual advisor matter?

We used the services of a Vanguard CFP. As Flagship members, there was no cost to us. After completing the questionnaire, they mailed us a plan that advised us to sell all our individual muni bonds, except the one held at Vanguard. All of the other muni bonds (high quality, paying 5% or more) are he...
by Gnirk
Mon Mar 17, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard CFP: Does the individual advisor matter?
Replies: 13
Views: 1176

Re: What premium items are least worth it?

Ged wrote:Jewelry.


Hmmm…are you related to my husband? :shock:
by Gnirk
Sun Mar 16, 2014 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 5656

Re: What premium items are least worth it?

Here's a stab: Vodka - a clear, flavorless drink. So why all the fuss? Alcohol when dining out Everyday items that aren't value-oriented: Bottled water Umbrellas Newsstand magazines Coffee house coffee when you're not staying for the ambiance. I agree with everything except umbrellas. In Western Wa...
by Gnirk
Sun Mar 16, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 5656

Re: Child Support... what counts?

In most states it doesn't matter what you and the other parent agree on regarding child support, there are child support guidelines the judge has to follow and the primary variables are the incomes of the two parties (most the time you'll be ordered to submit income verification such as your taxes ...
by Gnirk
Wed Mar 12, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Support... what counts?
Replies: 27
Views: 1436

Re: Money issues - people take me for granted

You sound like a really nice guy. And sometimes people take advantage of nice guys. So, it's time to "just say no". Don't give excuses or reasons, just nicely say no, with a smile. Once you say it to one moocher, it will be easier to say no to the others. And as my parents told me, never l...
by Gnirk
Sun Mar 09, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money issues - people take me for granted
Replies: 74
Views: 4934

Re: Savers remorse ?

I find that in retirement it is actually hard to spend money. (well not THAT hard, but it still bothers me. ) Well, my DH saved like mad (which is what you do when you are self-employed) during his working years. He still saves, and doesn't feel comfortable spending money. We live off earnings, nev...
by Gnirk
Thu Mar 06, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11185

Re: Ameriprise fee to transfer account out

Thank you all for the info. It's helpful to hear from those who have transferred out. I currently hold EEP, plus 9 individual high-rated muni bonds which I inherited the last of which will mature in 2018. I don't mind paying $100 to get out of Ameriprise, but would hate to have to pay $100 per holdi...
by Gnirk
Wed Mar 05, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ameriprise fee to transfer account out
Replies: 6
Views: 473

Re: Ameriprise fee to transfer account out

DSInvestor wrote:Ameriprise brokerage fees:
http://www.ameriprise.com/financial-pla ... e-fees.asp

Thank you....I'm hoping that $100 transfer fee refers to the account, not to each holding in the account.
by Gnirk
Wed Mar 05, 2014 2:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Ameriprise fee to transfer account out
Replies: 6
Views: 473

Ameriprise fee to transfer account out

How much does Ameriprise charge when you transfer your account to Vanguard?
Most of our investments are at Vanguard, but we each still have an account at Ameriprise...the "advisor" is a friend, though may not be such a good friend after we leave.
by Gnirk
Wed Mar 05, 2014 1:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Ameriprise fee to transfer account out
Replies: 6
Views: 473

Re: What was your dumbest financial decision?

[quote Just envision a scenario where you take a woman out for a lovely dinner and then pull out a two for one coupon with your credit card to pay. A boglehead compatible woman would be impressed; this could be a good screening mechanism to eliminate incompatible partners AND save money.[/quote] Thi...
by Gnirk
Sun Mar 02, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8393

Re: What was your dumbest financial decision?

It was before I had heard of Jack Bogle, or the Bogleheads, and thought that a Financial Advisor's recommendation and guidance would be in my best interest.....especially because they were a friend. Oh, how naïve was I. Now I know, friend or not, Financial Advisors act only in their own best interes...
by Gnirk
Sat Mar 01, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8393

Re: Anyone ever buy Masters tickets in Augusta?

My friend sold his extra tickets in Augusta, for face value, the day before the practice around, outside the parking area at Augusta. You may also be able to buy them on eBay, which is where we sold our two extra tickets, but that was several months before the round. BTW, my husband and I prefer goi...
by Gnirk
Sat Mar 01, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Anyone ever buy Masters tickets in Augusta?
Replies: 17
Views: 1526

Re: Layover in Amsterdam

Although popular (and scaled for many visitors) I think the Anne Frank house is worthwhile as you realize the enormous price paid to save the beautiful canal lined streets you've just walked along. Definitely. We only had two days in Amsterdam, and walked along the canals. In addition to the Anne F...
by Gnirk
Wed Feb 26, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Layover in Amsterdam
Replies: 23
Views: 1041

Re: Inheriting money, then leaving it to your kids

cheese_breath wrote:I would just consider it part of my total wealth. When I pass the kids will get whatever's left whether it's more or less than the inheritance.

Same here.
by Gnirk
Tue Feb 25, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting money, then leaving it to your kids
Replies: 23
Views: 1929

Re: Skip IRA for 1 year to buy engagement ring

I say skip the engagement ring for now. Select a nice modest wedding band, and buy a really nice ring later, when your financials are on better footing. That's what we did in my first marriage. No engagement ring, but he bought me a beautiful solitaire diamond ring for our thirteenth anniversary (An...
by Gnirk
Thu Feb 20, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7348

Re: Do you balance your checking account?

Yes. Mine and my mother's checking accounts. Mine because I feel it's the prudent thing to do (I write several checks plus have numerous automatic deductions) and my mother's because I have fiduciary responsibility.
by Gnirk
Sun Feb 16, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4921

Re: Leaving a legacy?

I hope to leave some money for my heirs, but it will depend upon whether or not I will need long term care. My daughters have already told me that the greatest "inheritance" I can give them is for me to be able to pay for my own needs, and not to worry about leaving them any money. Do you...
by Gnirk
Fri Feb 14, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Leaving a legacy?
Replies: 21
Views: 1569

Re: Leaving a legacy?

I hope to leave some money for my heirs, but it will depend upon whether or not I will need long term care. My daughters have already told me that the greatest "inheritance" I can give them is for me to be able to pay for my own needs, and not to worry about leaving them any money.
by Gnirk
Fri Feb 14, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Leaving a legacy?
Replies: 21
Views: 1569

Re: I'm feeling old today

btenny wrote:Nah you are not old unless you can remember Johnnny Carsons' first show or Jack Paars' last show or maybe watching the Beatles on Ed Sullivan or Lawrence Welk and his Champagne music. Or how about Elvis wiggling and dancing on the Ed Sullivan show.

Dang! I remember all of those. :annoyed
by Gnirk
Fri Feb 07, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 6649

Re: Trust Question

krmann wrote:For what it is worth - my credit union had no problem doing this - and did not have to close my account, change the account number, etc. Kate


Neither did my mom's: same account and account number.
by Gnirk
Mon Feb 03, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Putting bank accounts in Revocable living trust
Replies: 15
Views: 3007

Re: Will the Super Bowl Theory Hold Up This Time?

Well, if that's true, then the S & P 500 should soar……just like our Seahawks. :D :D :D
by Gnirk
Mon Feb 03, 2014 3:23 am
 
Forum: Investing - Theory, News & General
Topic: Will the Super Bowl Theory Hold Up This Time?
Replies: 19
Views: 2919

Re: How much financial support should you give your kids?

Unfortunately, careers in art and music don't always pay the best. And I applaud those who do major in the arts, because I think our world would be a pretty sad place without art and music in it. That said, I would gift them smaller amounts, as needed, and perhaps only if they truly need it. Plus so...
by Gnirk
Sun Feb 02, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3224

Re: Met with Financial agent from Northwestern Mutual yester

investor wrote:DO NOT DO BUSINESS WITH FRIENDS OR RELATIVES

investor

My parents always told me that. I didn't listen :oops:
by Gnirk
Fri Jan 31, 2014 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Met with Financial agent from Northwestern Mutual yesterday.
Replies: 22
Views: 2023

Re: Snow Bird Question [State Residency Requirements]

When we bought our snowbird home in California 15 years ago, we were advised to be very careful about the number of days we stay in California, not to have a bank account here, keep our cars titled and licensed in our home state, and have our utility and tax bills mailed to our home address in Washi...
by Gnirk
Thu Jan 30, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Snow Bird Question [State Residency Requirements]
Replies: 39
Views: 2514

Re: Annual gifting to children

One of my adult children's grandparents has gifted to them for the past 6 years, and has requested that they use the money to fund their ROTH IRAs, their emergency fund (or save for a house downpayment), and spend $1,000.00
by Gnirk
Thu Jan 30, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annual gifting to children
Replies: 30
Views: 2903

Re: Seattle as a place to live?

I grew up in the Ballard area of Seattle, and loved it. But I haven't lived there in 41 years, and now don't even recognize Ballard. However, my youngest daughter lives on south Queen Anne. A very walkable neighborhood. South Lake Union seems to be an up-and-coming area as well. I would not live on ...
by Gnirk
Sat Jan 25, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6349

Re: Check Rejected Due to Low Number

The same thing happened to me. I was really embarrassed. The check number was in the 1500's. When I got home I called the check guarantee company, and was told the reason it had been refused was that I didn't write checks on that account very often. Which is true because I use it only to buy my mom'...
by Gnirk
Fri Jan 24, 2014 2:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Check Rejected Due to Low Number
Replies: 56
Views: 3628

Re: Parent refuses to release Coverdell ESA funds

Does the beneficiary know if, in fact, there are any funds left in the account? And that the custodian hasn't withdrawn and used the funds himself/herself? Long story, so won't go into details, we found that my husbands daughter, who was custodian for our granddaughters' 529 accounts, has withdrawn ...
by Gnirk
Fri Jan 24, 2014 2:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Parent refuses to release Coverdell ESA funds
Replies: 34
Views: 3436

Re: Anyone familiar with this? Bank asking for info...

I would definitely visit in person, and never give such info over the phone. BTW, I've never had my banks or credit unions ask questions regarding my occupation, citizenship, or income.
by Gnirk
Sun Jan 19, 2014 1:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 6487

Re: How to invest a "sort of" windfall

Is she receiving unemployment compensation? If so she would only need to withdraw the difference from her 401K or emergency fund to meet her monthly expenses. Unemployment comp could be substantial if she was making a decent salary near the limit for SS.
by Gnirk
Wed Jan 08, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest a "sort of" windfall
Replies: 7
Views: 711

Re: What to do with previous employment HSA account?

Yup, Alliant looks pretty much free, so I'd probably go there, but I'm already a member. If she doesn't want to join a CU, Optum's eAccess account has no monthly fee with a $500 balance (and if I were her, I'd save 2,000 of receipts and withdraw the whole thing at once), so she has enough for that....
by Gnirk
Tue Jan 07, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with previous employment HSA account?
Replies: 10
Views: 439

Re: What to do with previous employment HSA account?

Langkawi wrote:
Gnirk wrote:Ally Bank offers an HSA money market

Ally Bank does not offers HSAs.


Agh! You're right!! :oops:
by Gnirk
Tue Jan 07, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with previous employment HSA account?
Replies: 10
Views: 439

Re: What to do with previous employment HSA account?

Vanguard offers an HSA account through a third party. The third party levies a flat monthly fee, plus it looks like a small percentage of each mutual fund. Ally Bank offers an HSA money market paying .85%. With such a small amount, that may be the way to go at this point.
by Gnirk
Tue Jan 07, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with previous employment HSA account?
Replies: 10
Views: 439

Re: What to do with previous employment HSA account?

Correct. She can't add to it, though I understand she can still use it to pay for qualified expenses.
by Gnirk
Tue Jan 07, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with previous employment HSA account?
Replies: 10
Views: 439

What to do with previous employment HSA account?

My daughter changed jobs, and is now working for a different company. Her previous employer with whom she had her HSA account (about $2,000) was bought out by a larger company which didn't offer an HSA account, so the accounts were, I guess you could say, discontinued. However, the company maintaini...
by Gnirk
Tue Jan 07, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with previous employment HSA account?
Replies: 10
Views: 439

Re: What did you do with unwanted baby gear?

40-some years ago, I offered it to friends who were expecting. If they didn't want it, I sold it at a garage sale.
by Gnirk
Sat Jan 04, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: What did you do with unwanted baby gear?
Replies: 22
Views: 1228

Re: EE bond cash-in frustration ...

I will need to cash 51 individual bonds when they mature throughout 2016 (my mom's). And it looks like it will be more of a hassle than I thought, since my bank didn't want to cash more than about ten at one time. I had to cash my own this last year, but I cashed them in groups of five or six at a t...
by Gnirk
Fri Jan 03, 2014 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: EE bond cash-in frustration ...
Replies: 9
Views: 1213

Re: The Funniest Movie Ever

Recently saw "last Vegas", and I haven't sen my husband laugh that much in years!
by Gnirk
Fri Jan 03, 2014 12:39 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10638

Re: Giving anonymous gift

During my working life, I gave anonymous gifts to coworkers who were struggling with raising families. Usually single moms with no other support. I left a card with a cashier's check ( usually for a couple of hundred dollars) in it made out to them. No personal handwriting (computer typed) and no na...
by Gnirk
Sat Dec 14, 2013 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Giving anonymous gift
Replies: 20
Views: 1128

Re: A caution to those contemplating LTCI

Gnirk, congrats to you and your Mom. However, one wonders how folks with Alzheimers, and no close (and dutiful) relatives, can even attempt to navigate. In my opinion, they can't. The sad truth is, that if I had not known about the policy, and was involved with paying my mother's bills, she would h...
by Gnirk
Sun Dec 08, 2013 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: A caution to those contemplating LTCI
Replies: 63
Views: 4844

Re: A caution to those contemplating LTCI

After my dad passed away at the age of 66, my mother (64) took out an LTCIpolicy. 20 days waiting period, $xxx per day with 5%/year inflation factor, 4 years coverage. Payable to her, not to a facility. She is in her 9th year of alzheimer's, has been in a care facility for 6 years. The process for a...
by Gnirk
Sat Dec 07, 2013 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: A caution to those contemplating LTCI
Replies: 63
Views: 4844
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