Search found 438 matches

by Gnirk
Sun Aug 02, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: Inside Passage Cruise
Replies: 13
Views: 936

Re: Inside Passage Cruise

Yes to the layering, and a light rain jacket. Yes to the foldable umbrella. Yes to shoes that are water resistant, and a second pair, "just in case". If you cruise Glacier Bay, you should be on deck to fully enjoy the majestic scenery, and hear the glacier calving into the water. And it ma...
by Gnirk
Sat Jul 18, 2015 12:03 pm
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8528

Re: Wedding Receiption

Your thoughts on whether mixed drinks (in addition to the hosted signature drinks) should be available at their wedding reception -- and if so, cash bar or hosted? There's no should when it comes to wedding receptions. The couple can do whatever is most pleasing to them and their families (but most...
by Gnirk
Fri Jul 03, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Negotiating cost for cremation & burial?
Replies: 19
Views: 2201

Re: Negotiating cost for cremation & burial?

Shop around, there are great differences in cost. I pre-paid for my mother's direct cremation (no viewing or embalming) with a local business called Funeral Alternatives. The cost is $1200, which includes removal of her body and transport to the crematorium, direct cremation, and a nice urn approved...
by Gnirk
Sat Jun 20, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Happy Father's Day
Replies: 6
Views: 942

Re: Happy Father's Day

1. That it's not the THINGS in your life that count, it's the PEOPLE.
2. Live below your means.
3. Always wait 24 hours before making a major decision.
by Gnirk
Fri Jun 19, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 4954

Re: New to Golf

Another point of advice is to learn the rules and standard golf etiquette. Some golfers will be pissed if you walk in their line others wont. Best to be 'proper'. This. It's as important as lessons to be able to play the game. I would say MOST golfers will be upset if you cough during their backswi...
by Gnirk
Wed Jun 17, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: Life is short, enjoy it!
Replies: 32
Views: 6192

Re: Life is short, enjoy it!

Thanks for the post, it's a great reminder to have balance in our lives. My dad died just two weeks after his 66th birthday, 5 months after being diagnosed with terminal cancer. The one regret my mother voiced is that when my dad wanted to travel, she didn't want to spend the money. They could have ...
by Gnirk
Mon Jun 15, 2015 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 50
Views: 4474

Re: Travel insurance - worth it?

Once my husband reached 70, we started buying trip insurance for medical reasons, in case something happened either during or prior to taking the trip if we have to cancel it. We've used it twice, once it paid for our hotel in an expensive city when we missed our connection because of weather. The o...
by Gnirk
Mon May 25, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 5441

Re: When is it safe to share financial details with gf, future wife

I think transparency and expectations regarding finances-saving, investing, spending-are important issues to discuss before marriage. Too many marriages fail due to differences in attitude regarding financial issues. When my first husband and I married, we were in our very early 20's, he was still i...
by Gnirk
Sat May 23, 2015 11:48 pm
Forum: Personal Consumer Issues
Topic: Viking river Cruise - Budapest to Nuremberg
Replies: 11
Views: 1731

Re: Viking river Cruise - Budapest to Nuremberg

Hi: We have done two Viking River Cruises and will be taking our third in September, from Nuremberg to Budapest (opposite direction from yours). We like the slower pace of the river cruises, compared to ocean cruises,but that's just our personal taste. I suppose it could be boring for some folks, as...
by Gnirk
Fri May 22, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 50
Views: 2939

Re: Visiting Nashville during the summer

Wow! Thank you for all the great tips. We will be in Nashville for a week in July, our first visit.
by Gnirk
Mon May 18, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with plasma donation to boost income?
Replies: 67
Views: 5285

Re: Any experience with plasma donation to boost income?

My DH's 48 year old daughter just sent us a text asking to "borrow" money, and said she's been "giving" (selling ) plasma 2 x week to supplement her income.
Long backstory.
by Gnirk
Mon May 18, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: adversarial inheritance situation - advice needed.
Replies: 23
Views: 3636

Re: adversarial inheritance situation - advice needed.

I connection with Dolphinsaremammals comments, it may be appropriate at this time for state/local intervention if elder financial fraud has taken place or is imminent. If this course is followed controls will be placed on the handling of valuable assets and, unfortunately, the prospect of prosecuto...
by Gnirk
Sun May 17, 2015 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: safe deposit box key
Replies: 8
Views: 959

Re: safe deposit box key

I have my husband and my daughter's name on my safe deposit box. I keep the keys in an envelope in a file, labeled SD Key, and each of them know where it is.
I have had Safe Deposit Box keys lost by others before, which is why I keep them in the file drawer.
by Gnirk
Sun May 10, 2015 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Financial Plan Under the New [ 0.3% ] Fee
Replies: 33
Views: 5539

Re: Vanguard Financial Plan Under the New [ 0.3% ] Fee

I plan on enrolling in this service in 4 years when I turn 75, if I am fortunate enough to do so.
by Gnirk
Thu May 07, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: What to do with mink coat
Replies: 30
Views: 2539

Re: What to do with mink coat

Make it into decorator pillows, or teddy bear for the grandkids.
by Gnirk
Sun May 03, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney
Replies: 59
Views: 5251

Re: Power of attorney

When I have presented my original Durable Power of Attorney for my mom, and the bank has balked at accepting it because they want her to sign their own forms, I tell them the awful truth: the reason I have the Durable Power of Attorney is because she has Alzheimer's and can no longer legally, or phy...
by Gnirk
Tue Apr 28, 2015 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Trust fund
Replies: 17
Views: 979

Re: Trust fund

Consult a good estate attorney; you will get the most knowledgable answers regarding the many types of trusts, and the purposes they serve.
by Gnirk
Mon Apr 27, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 1299

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
Sun Apr 26, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Cost to replace a side view mirror
Replies: 22
Views: 1810

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
Fri Apr 24, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Cost to setup a Living Trust?
Replies: 29
Views: 2578

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
Thu Apr 23, 2015 1:02 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 4556

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
Wed Apr 22, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: Living in New Hampshire?
Replies: 35
Views: 2880

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
Tue Apr 21, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2034

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: 2034

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 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 12741

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 11:29 am
Forum: Investing - Theory, News & General
Topic: Expert Tips on Building Wealth for Forty Somethings
Replies: 11
Views: 3314

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
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: 12219

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
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: 4528

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
Mon Apr 06, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 15156

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 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 15156

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
Sat Apr 04, 2015 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard Why? [Problems opening new account]
Replies: 85
Views: 7998

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
Thu Apr 02, 2015 3:12 pm
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 5530

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
Wed Apr 01, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: hate Hate HATE shopping for home services
Replies: 10
Views: 957

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
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: 6105

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 2:57 am
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 6861

Re: Fish from Costco?

We buy both their frozen wild Halibut fillets (very good) and wild Alaska salmon fillets.
by Gnirk
Sun Mar 22, 2015 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 5174

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
Thu Mar 19, 2015 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5447

Re: Which credit union are you a member of?

Edited: duplicate post
by Gnirk
Fri Mar 13, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 20
Views: 1489

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
Wed Mar 11, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 399
Views: 32954

Re: Will you buy an Apple Watch?

No. I love my classic Concord watch.
by Gnirk
Tue Mar 10, 2015 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 3872

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
Thu Mar 05, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6964

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
Mon Mar 02, 2015 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 46
Views: 3478

Re: Where's your Will?

The original is in our safe at home, and our attorney has a copy.
by Gnirk
Sat Feb 28, 2015 3:48 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 3872

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
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: 9114

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
Thu Feb 26, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Called and Asked for Personal Information
Replies: 16
Views: 1882

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
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: 9114

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
Sun Feb 22, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 4535

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
Sat Feb 21, 2015 10:53 pm
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 14917

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 3:09 pm
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 6047

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
Wed Feb 18, 2015 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Prorating Tax Refund with Dear Wife
Replies: 18
Views: 1964

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...

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