Search found 681 matches

by Gnirk
Tue Nov 21, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1146

Re: Anyone "re-door" their kitchen cabinets?

We just had our kitchen and guest bath cabinets professionally painted white, and I love the results. The paint contractor cleaned everything, applied a base coat, and then several finish coats using an epoxy paint in a soft finish (not glossy). They removed the doors and drawer fronts and set up a ...
by Gnirk
Mon Nov 20, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 77
Views: 9259

Re: Valuation of EE Savings Bonds

I inherited a number of EE and I bonds. I entered them into the Treasury Direct website to calculate the value of the bonds and use those calculations to find their present value. Currently, the EE bonds are paying 4%, and the I bonds are paying 5.39%. At this point, I plan on keeping them until mat...
by Gnirk
Sun Nov 19, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 360k for an old man
Replies: 30
Views: 2931

Re: What to do with 360k for an old man

Your Grandpa is 89, and it's highly probable that his living and care costs will increase as he ages. In our area, memory care/nursing home costs run between $7,000 to $9,000 per month, and sometimes more. Keeping his cash in a high-yield savings account or a CD ladder is just fine, in my opinion. H...
by Gnirk
Sun Nov 12, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6767

Re: Swedish Death Cleaning [De-clutter your home]

I'm sorry to say that this thread is full of heresy , as far as genealogists are concerned . We tend to collect anything related to relatives: photos, keepsakes, and memories. If you erase every clue as to your existence, we may not find you to include as part of the family. We can probably find yo...
by Gnirk
Sat Nov 11, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6767

Re: Swedish Death Cleaning

I've been trying to "purge" so that my daughters won't have to go through what I went through when my mom passed away (5,000 square feet of mostly "good" stuff in a 2500 Square foot house). All of the family photos and memorabilia, dating back to the mid-1800's, went to my house until we could sort ...
by Gnirk
Thu Nov 09, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1691

Re: Best Approach for Purchasing Many Furnishings

Briefly- Craig’s List, Offer Up, and Facebook Marketplace for hard line furniture like end tables, coffe tables, dressers, dining tables and chairs. Buy soft lines new, especially mattresses. Costco is a good source if you or a family member belong to it. Also good for electronics. Linens and kitche...
by Gnirk
Thu Nov 09, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Lending Money to Business Acquaintance
Replies: 17
Views: 1255

Re: Lending Money to Business Acquaintance

We, along with several other business friends, each lent a struggling friend who was in the same business, $10,000 plus provided expert guidance. He signed papers with each of us, and emotionally promised to pay each and every one of us back. He still went bankrupt, we were paid nothing, and he neve...
by Gnirk
Fri Nov 03, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8266

Re: Should I decline Grand Prize trip because of taxes on winnings?

If this is legit, I would take the trip. As someone said, you only have one lifetime and it sounds like this isn't something you would be able to set up on your own. And if it's one of the two major January tournaments being played in Hawaii? GO!!! And if you don't want to, my husband and I would lo...
by Gnirk
Mon Oct 30, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Joint account with Siblings
Replies: 44
Views: 1831

Re: Inheritance and Joint account with Siblings

Why not divide it now, and the OP can open his own account. If he's worried he'll spend it, put it into a Roth IRA, if possible. If he wants to use it in the near future, then put it into a high-yield CD.
by Gnirk
Mon Oct 30, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 41
Views: 2779

Re: Someone spoofing my phone number?

I've had my number spoofed. Phone rang, and the caller ID showed MY phone number. Ugh.....hate robocallers. They even spoofed my health care provider's name and phone number, and when I answered it was the recorded credit card rate scam. :evil:
by Gnirk
Mon Oct 30, 2017 3:02 am
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2561

Re: When the cold wind comes, I go where the dahlias bloom

We snowbird from Washington to the Palm Springs area, drive down starting Oct 31st. We fly home in early December for Christmas, then back to the desert on New Year’s Day and stay until the last week in April. This has been our routine for 10 years, although we’ve owned our snowbird home for 17 year...
by Gnirk
Sun Oct 29, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 5800

Re: Retirees: which websites do you spend the most time on?

This one, MSN( my home page), Facebook, Houzz.
by Gnirk
Sat Oct 28, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15090

Re: What was the main reason you retired?

Husband sold the business.
by Gnirk
Sat Oct 28, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is on your Pre and/or Post Retirement Bucket List?
Replies: 23
Views: 1829

Re: What is on your Pre and/or Post Retirement Bucket List?

We've checked off quite a few things from our bucket lists during our ten years of retirement. Traveled to Europe several times, Paris on Bastille Day, first ever Lobster Roll in Maine, Cape Cod (wasn't that impressed...don't know what I expected), Nashville, DH loves golf, so played some famous cou...
by Gnirk
Sat Oct 28, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 2984

Re: bedroom color-current trend?

Would love gray walls, but I live in Washington, and we have enough gray here! So I had our bedroom painted a light, warm tan, with white trim. Painted the bathroom Sherwin-Williams Tidewater, with white trim. This after having off-white walls for 23 years.
by Gnirk
Fri Oct 27, 2017 1:25 am
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 10013

Re: Emotional impact of spending down assets?

My parents were children of the Great Depression. My parents put savings first and lived below their means. Mom bought everything from thrift stores. Long story short, she was able to amass a multi-million dollar portfolio, plus had my dad’s cola’d Police retirement, her very small retirement, and h...
by Gnirk
Mon Oct 23, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5526

Re: Urgent! Heading to ER, surprise bills

Oops, read where you already visited the ER. Happy your vision came back. i had that happen once, but still had the MRI, which showed no issues, and I've been fine ever since. Hope yours turns out the same.
by Gnirk
Fri Oct 20, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3625

Re: For those near retirement and rebalanced to Bonds...

Retired 10 years. 35/60/5 (more or less), and about 90% of my portfolio is taxable. I "could" take more risk on the equity side at this point because my withdrawal rate is about 1%, but I am risk-averse, and I like to sleep well at night.
by Gnirk
Thu Oct 19, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10704

Re: anyone else not liking the new cars?

Sandtrap wrote:
Fri Oct 13, 2017 10:08 pm
I would fire the design engineer that did the fronts of the new Toyotas and Lexus.
As much as I am dedicated to Toyota/Lexus reliability and track record, the new models are uuuuuggggly. :shock:
I also considered the new Lexus LX SUV but not after seeing the front. :oops:
My thoughts, too.
by Gnirk
Wed Oct 18, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Recommendations on quartz countertops
Replies: 9
Views: 1005

Re: Recommendations on quartz countertops

OP here-
Thank you for all your insight and information, and the links to the Houzz sites. lots of information there, too. It appears that inspecting the actual slabs before fabrication is really important, especially if you've used small samples to make your choice of color/design.
by Gnirk
Wed Oct 18, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Recommendations on quartz countertops
Replies: 9
Views: 1005

Recommendations on quartz countertops

I'm thinking of replacing my granite tile kitchen counters with quartz. I've researched various brands, such as Silestone, Cambria, Zodiaq but I haven't been able to find anything comparing the quality of the products. I know Lowe's has a house brand from Sage Industries. Any insight or recommendati...
by Gnirk
Fri Oct 06, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1532

Re: River cruise recommendations (Europe)

I've been on 3 river cruises, and 3 ocean cruises. I much prefer the river cruising to ocean cruising. My cruising has been on Viking. The river vessels are much smaller--150-200 people on board. You don't have to "tender-in" to the shore or dock if your ship can't get moorage in the smaller harbors...
by Gnirk
Tue Oct 03, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9573

Re: Senior citizens can lose everything [to professional guardians via court rulings]

My husband and I have named those who we want appointed as our guardians, should the need arise, in both our Durable power of Attorney for financial and Durable Power of Attorney for Medical. I pray those hold up in court should they ever be needed. And our children have copies of those documents, a...
by Gnirk
Wed Sep 27, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6644

Re: I'm shocked! [Mother 100% in bonds and annuities]

If she's happy making 3%, and feels secure at 87 with her investments in bonds and CDs, why change it? Although many have said one should have at least 20% in equities. When I had to assume responsibility for managing my mother's finances, she had 80% of her investments in muni-bonds, muni-bond fund...
by Gnirk
Sun Sep 24, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6450

Re: Spouse Money Management

She's living with her parents, going to school, and working part-time and netting $2,500 per year, or a bit over $200 per month. Her limited income should be able to cover her basic expenses of transportation to and from work, personal care items, hair care, some clothing, etc. That isn't going to l...
by Gnirk
Fri Sep 22, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 97
Views: 9733

Re: VG wants everyone to transfer to a brokerage account?

I didn't accept the invitation to convert because the "new" brokerage account won't automatically invest the dividends and capital gains from one fund into another fund. I would have to direct them to the cash settlement fund, and then manually move them from the cash fund into the other fun, which ...
by Gnirk
Mon Sep 18, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 3027

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

My mom's SS was directly deposited into her checking account. Her state retirement was also directly deposited. She added me as a signer on the account when she was in the very early stages of Alzheimer's. I used that account to pay her bills. I also had POA, but never got involved with SS POA. I pu...
by Gnirk
Wed Sep 13, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can my elderly mother deduct the entire cost of memory care from her taxes?
Replies: 11
Views: 1322

Re: Can my elderly mother deduct the entire cost of memory care from her taxes?

Do you have medical Durable Power of Attorney for your mother?. If I were you, I would consult with her primary care physician, and tell him all of your concerns. Also, consult with her psychiatrist, if necessary. They should be willing and able to make a formal diagnosis, and recommend a care plan....
by Gnirk
Mon Sep 11, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for my elderly mother's geriatric care expenses?
Replies: 3
Views: 645

Re: Tax deduction for my elderly mother's geriatric care expenses?

If this can be considered long term care, it should be deductible, subject to the IRS limitations on medical deductions, but I think she must be able to be claimed as your dependent in order to deduct it from your taxes. My mom's CPA deducted her LTC expenses from HER taxes, since I was paying it ou...
by Gnirk
Sun Sep 10, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11837

Re: Anyone else freeze their credit score?

winski58 wrote:
Sat Sep 09, 2017 1:45 pm
Just froze Experian, TransUnion and Equifax this morning and there was no charge. Does this mean my credit has been breached?
Not necessarily. In our state, there is no charge for freezing your credit if you are 65 or older.
by Gnirk
Sat Sep 09, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11837

Re: Anyone else freeze their credit score?

Yes, froze it yesterday. Retired, no need for new credit.
by Gnirk
Fri Sep 08, 2017 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50212

Re: Equifax customer information leak

Went to the Equifax website, followed their instructions, and DH and I have had our info compromised. We each have a different date to return to the website and complete the enrollment in their monitoring program. We will also freeze our credi. It's free in our state for anyone 65 or older, that's o...
by Gnirk
Tue Sep 05, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Moving in with my parents [how to handle financing]
Replies: 12
Views: 1426

Re: Moving in with my parents [how to handle financing]

Some other thoughts regarding this, which may or may not be pertinent: If you are married, what happens to your parents living in the guest house if: You are married and get divorced? You should die before them? Will the property be titled Joint With Right of Survivorship? No spouse involved? You re...
by Gnirk
Mon Sep 04, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: repairman broke washing machine, what would you do?
Replies: 42
Views: 4217

Re: repairman broke washing machine, what would you do?

Dang! We bought our last washer "used" and it lasted 30 years. It was several years old when we bought it. It was a basic Whirlpool.

I've had Kenmore appliances last 35 years.
Sometimes I miss the good old days.
by Gnirk
Sun Sep 03, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Humble dollar article on munis
Replies: 6
Views: 720

Re: Humble dollar article on munis

95% of my portfolio is in taxable. My bond percentage is 60%, tax bracket 28%, therefore, munis in taxable.
by Gnirk
Sun Sep 03, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: LTCI Experience
Replies: 16
Views: 1760

Re: LTCI Experience

Positive experience with Moms LTCI. 4 year payout policy at $145 per day. She paid less than $20,000 in premiums over approximately 20 years, the policy paid out approximately $210,000. Her policy was strictly for a skilled nursing facility, and required the facility to have an RN on staff, as well ...
by Gnirk
Sun Aug 27, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: LTCi or RM
Replies: 18
Views: 906

Re: LTCi or RM

itstoomuch wrote:
Sun Aug 27, 2017 9:07 pm
TD26426, you must be familiar with Seattle Transit and BigBertha. :annoyed
:moneybag :moneybag :moneybag
by Gnirk
Sat Aug 26, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: My Mom's portfolio
Replies: 14
Views: 1464

Re: My Mom's portfolio

Dear OP- Your mom is 71, and may have another 25-30 years to live and support herself. IMHO, it's very important to keep in mind that the unthinkable can happen, and unfortunately often does. My very healthy, very active mom spent 12 years suffering from Alzheimer's, until she passed away at the age...
by Gnirk
Mon Aug 21, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 8074

Re: IBonds: My worst bond investment over the last 5 years

The $5,000 iBonds I purchased in 2011 are paying 2.76%, and are now worth $5,548 each. The iBonds I purchased in 2012 are paying 1.96%, and are worth $5,390 each. Currently, I have 5-year CDs paying more than either of these, but they aren't inflation adjusted. However, the $5,000 iBonds purchased i...
by Gnirk
Sun Aug 20, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14437

Re: I own no international stocks. Can you guess why?

Because you're following your IPS.
by Gnirk
Sun Aug 20, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our Home to Mother-in-law?
Replies: 22
Views: 1654

Re: Should we sell our Home to Mother-in-law?

If you are going to sell it to your MIL, you need to consider the "What If's": What if there is a major issue with the house 2 years down the road? Roof fails, plumbing fails, etc. Will you be made to feel "responsible" for this, as if they were pre-existing conditions? It sounds like the bedrooms a...
by Gnirk
Fri Aug 18, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 37
Views: 4116

Re: Kitchen Remodel Price/Contractor Dispute

OMG....even I know how to install baseboards properly! As for not paying the $500....I'd probably cave, but my husband wouldn't.
by Gnirk
Fri Aug 18, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4969

Re: Powerball - $510 million?

I bought a ticket, and figure I just donated $2 to the winner's jackpot. :?
And if by some fluke I won, 20% would go to family and friends, including us, and 80% would create a charitable foundation.
I've never wanted a lavish lifestyle.
by Gnirk
Thu Aug 17, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 4359

Re: Other people's perception of your finances

I understand your situation, as we have a similar one. We are retired and have a snowbird house in the desert, and often host couples from home, some of whom visit us every year. And at times we feel some of our friends really take advantage of our hospitality and generosity, but that may be partly ...
by Gnirk
Thu Aug 10, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Washington State Income/Capital Gains Tax Changes
Replies: 2
Views: 469

Re: Washington State Income/Capital Gains Tax Changes

I'm a lifelong resident of Washington State, and the voters have voted down an income tax more than once. In order for an income tax to become law, there would have to be a change in the state constitution. This is not meant as a political comment, but a factual comment: Many of the local government...
by Gnirk
Wed Aug 09, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell a home to a friend's daughter?
Replies: 31
Views: 3247

Re: Should we sell a home to a friend's daughter?

Another option would be to make it clear from the beginning that the property will be sold "as is". That way the onus is on them to identify any potential problems, and then decide whether or not to proceed. My friend inherited her parent's home, built in 1925 and not updated. She listed it with a ...
by Gnirk
Mon Aug 07, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with financial anxiety?
Replies: 40
Views: 3310

Re: How do you deal with financial anxiety?

I run the numbers and do a lot of self-talk and make myself look at the big picture whenever I experience anxiety over a particular purchase, or whether or not I have enough to live on should I become a widow. That, and a good night's sleep seems to take care of the anxiety.
by Gnirk
Mon Aug 07, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 67
Views: 16030

Re: How long does TreasuryDirect take to convert paper I bonds?

"Despite enclosing a SASE and a note asking that the death certificate be returned, we haven't received it. As to processing procedurres and other faqs, etc, it's all here at Treasury Direct. https://www.treasurydirect.gov/indiv/myaccount/myaccount_treasurydirect.htm I don't recall getting an email ...