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Re: Deceased Person - Idenity Thieft

I think you've posted an excellent question, and timely for me. My sweet mom is now under Hospice care. I've tried to prevent identity theft by freezing her credit with the three credit bureaus 6 years ago. However, I'm not sure how that plays out after death. I'm very interested in whatever info ot...
by Gnirk
Mon Apr 27, 2015 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 968

Re: Cost to replace a side view mirror

I knocked the side mirror off as I was backing our of our garage :oops: , and the dealer wanted $850 to replace it. We located one at a junkyard, took it to an auto repair shop, they painted it to match and installed it. Total cost, including mirror was less than $200. I guess it depends how much yo...
by Gnirk
Sun Apr 26, 2015 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Cost to replace a side view mirror
Replies: 22
Views: 1148

Re: Cost to setup a Living Trust?

We paid $1300 for a revocable living trust, but I transferred all the assets into the trust, not the attorney. I assume that if the attorney handles the transfers, it will cost more.
by Gnirk
Fri Apr 24, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost to setup a Living Trust?
Replies: 29
Views: 1989

Re: Age in Bonds Poll

At age 70, I follow age in bonds. At age 76, my DH is more 50-50, as he has a greater risk tolerance than I do. (yes, our finances are separate as it is our second marriage, and we each have adult children).
by Gnirk
Thu Apr 23, 2015 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3674

Re: Living in New Hampshire?

Are you considering southern New Hampshire, or northern New Hampshire? My husband grew up in a small town in northern New Hampshire, which is very cold, and snowy, in the winter. Think waking up to 17 below on some days. And unless your family arrived in the early 1800's, you will always be a newcom...
by Gnirk
Wed Apr 22, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Living in New Hampshire?
Replies: 35
Views: 2468

Re: European Cruises

Question for people who have river cruised in Europe in the past (on Viking or similar): what is the social scene like on the boat? Is it possible to spend time on your own, or are the meals and excursions, etc, fairly community oriented? We will take our 3d Viking River Cruise this fall from Nurem...
by Gnirk
Tue Apr 21, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 1720

Re: European Cruises

Question for people who have river cruised in Europe in the past (on Viking or similar): what is the social scene like on the boat? Is it possible to spend time on your own, or are the meals and excursions, etc, fairly community oriented? We will take our 3d Viking River Cruise this fall from Nurem...
by Gnirk
Tue Apr 21, 2015 4:49 pm
 
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 1720

Re: How much do you pay in Property Taxes?

Our 2800 SF house built in 1994 on about 1/3 acre is worth $ $432,000 and our property taxes are a little over $6,000 per year.
by Gnirk
Tue Apr 21, 2015 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 184
Views: 9366

Re: Expert Tips on Building Wealth for Forty Somethings

Thank you for the link. I just emailed the article to my forty-something daughters.
by Gnirk
Tue Apr 21, 2015 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Expert Tips on Building Wealth for Forty Somethings
Replies: 11
Views: 2971

Re: Does your family know about your net worth (ball park)?

Unfortunately, my DH adult children know his net worth, and that they inherit nearly all of it. I say "unfortunately" because now they "watch" our spending as if he is taking money out of their pockets. His daughter is already counting her inheritance, and she is a compulsive spe...
by Gnirk
Sat Apr 18, 2015 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11259

Re: Has Anyone had a Credit Card Cancelled for not Using It

Yes. My Nordstrom's card was cancelled because I had''t used it for years.
by Gnirk
Fri Apr 10, 2015 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3745

Re: Family member asking for money

After doing a lot of thinking about this: Having a special needs child can be overwhelming in the best circumstances. The parents I know who have severely autistic children, or children with brain chemistry no one would want, strive to do the best they can for their child, not in material things, bu...
by Gnirk
Mon Apr 06, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13617

Re: Family member asking for money

I have helped out a family member with medical bills. The first time, she negotiated the amount down with the Hospital, and I paid the hospital directly. The second time I offered to pay half of the bill, and I paid that directly to the hospital. She also gave me the detailed statements form the hos...
by Gnirk
Mon Apr 06, 2015 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13617

Re: Why Vanguard Why?

Any time I mail something with personal information, I send it certified mail. return receipt requested. I will not fax anything with personal information.
I've opened accounts with no issues, for myself, and for my mother's revocable living trust, of which I am the trustee.
by Gnirk
Sat Apr 04, 2015 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard Why? [Problems opening new account]
Replies: 85
Views: 6850

Re: Bear market warning sign

nedsaid wrote:This is another discouraging thing that happens to investors. That is seeing the markets drop right after you invest. This is just part of the process, it happens to all of us.


Yup. Every time I invest. :oops:
by Gnirk
Thu Apr 02, 2015 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 5180

Re: hate Hate HATE shopping for home services

Well, the roof cleaning, treatment and other power washing seems like a bargain. In our area, that project would run about $1200 or more, but we have a 2 story house.
by Gnirk
Wed Apr 01, 2015 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: hate Hate HATE shopping for home services
Replies: 10
Views: 892

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: 5459

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: 5787

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: 4294

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: 5077

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: 1272

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: 378
Views: 23685

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: 3495

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: 6533

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: 3097

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: 3495

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: 95
Views: 8162

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: 1755

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: 95
Views: 8162

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: 3780

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: 13816

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: 5360

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: 1831

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: 2817

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: 1105

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: 8519

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: 8519

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: 1364

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: 5026

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: 9268

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: 637

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: 5012

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: 3280

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: 1080

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: 3386

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: 735

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: 1924

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: 3651

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: 2269
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