Search found 574 matches

by Gnirk
Sun Jan 22, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 25
Views: 1216

Re: Do you check your credit reports annually?

Yes. A different one every four months. Errors have been a second (transposed) SS number, and a business address which was reported as a residence.
by Gnirk
Sat Jan 21, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2282
Views: 564403

Re: What Movie Have You Recently Watched?

The Founder. About Ray Kroc. Came away really disliking the slime ball.
by Gnirk
Thu Jan 19, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help converting individual bonds to bond fund(s)
Replies: 4
Views: 327

Re: Help converting individual bonds to bond fund(s)

I, too, have individual Municipal bonds in my Vanguard account. All are high quality and pay 5% or more, tax and AMT-free. However, as they are called, or mature, I re-invest the proceeds into Vanguard's Intermediate-term Tax-exempt Bond Fund.
by Gnirk
Tue Jan 10, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for asset protection for 70+yr old inlaws, one with advancing dementia
Replies: 13
Views: 1081

Re: Advice for asset protection for 70+yr old inlaws, one with advancing dementia

Do your FIL & MIL have signed Durable Power of Attorney for each other? If so, are they immediate or "springing"? Perhaps your wife can help your MIL to document all of his erratic behavior, as well as poor financial decisions. Once this is done, and continues to be documented, perhaps...
by Gnirk
Mon Jan 09, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: Inherited tIRA RMD tules
Replies: 3
Views: 390

Re: Question re: Inherited tIRA RMD tules

I was the named beneficiary on mom's IRA account.

The account is registered with Vanguard as follows:
My Name
BENEF My Mother's Name

Thank you.
by Gnirk
Mon Jan 09, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: Inherited tIRA RMD tules
Replies: 3
Views: 390

Question re: Inherited tIRA RMD tules

I am 72, and began taking my own RMD's in 2015. My mom passed away at the age of 90 in July, 2015. She had already taken her 2015 RMD. I was the beneficiary on her tIRA. It was transferred to me as an inherited IRA. The account was at Chase bank. I took my RMD for 2016 in April, then transferred the...
by Gnirk
Wed Jan 04, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: What is the most inexpensive way to learn driving in Seattle?
Replies: 14
Views: 1000

Re: What is the most inexpensive way to learn driving in Seattle?

I would invest in a good driving school, if you want to get your driver's license. You might call AAA of Washington and see if they have any recommendations. I grew up in Seattle, and learned to drive there, but that was 50 years ago, and traffic wasn't anything like it is now. I dread driving in Se...
by Gnirk
Fri Dec 30, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help Parents Again?
Replies: 63
Views: 4482

Re: Help Parents Again?

OP, you have received a lot of info here. Personally, I think this is a case for "tough love" and letting your parents be responsible for themselves. It won't be easy, just like tough love isn't easy for a parent dealing with a child. As my mom once told me, it's much harder to say "n...
by Gnirk
Sat Dec 24, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: how to distribute assets to beneficiaries by percentages
Replies: 8
Views: 769

Re: how to distribute assets to beneficiaries by percentages

My husband has his estate divided equally among his son and daughter's families, but because of circumstances he leaves 50% of his estate to his son (who has a wife and two children), 30% to his daughter, and 10% to each of his daughter's two children.
by Gnirk
Fri Dec 23, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do states that do not have income state taxes survive
Replies: 25
Views: 1993

Re: How do states that do not have income state taxes survive

Washington has a business tax which gets embedded in the cost of goods and services. Going out to eat here is quite a bit more expensive than, for example, in Michigan or Texas. If you have a high income, it is still generally more lucrative to live in a low- or no-income tax state. We in Washingto...
by Gnirk
Sun Dec 11, 2016 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Finding lost assets
Replies: 21
Views: 1860

Re: Finding lost assets

First of all, I'm truly sorry about the situation your SIL is in. If her father had a formal diagnosis of dementia before he married his caregiver, it might be that the marriage was not legal. Also, who had Durable Power of Attorney for him, if anyone? Someone had to be making decisions for him, and...
by Gnirk
Sun Dec 11, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble freezing their credit?
Replies: 6
Views: 700

Re: Anyone else have trouble freezing their credit?

I don't know where you live, but in Washington State, your Credit Freeze is free if you are over 65. Maybe check your State Attorney General's website to see if your state has the same offer. You do have to pay to unfreeze it, however.
by Gnirk
Sat Dec 03, 2016 2:18 am
Forum: Personal Finance (Not Investing)
Topic: "E-E bonds" or "Double E bonds" ?
Replies: 8
Views: 1019

Re: "E-E bonds" or "Double E bonds" ?

I say "Double E" bonds. But I type EE Bonds.
by Gnirk
Thu Dec 01, 2016 7:53 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6589

Re: Should I buy a new car for safety's sake?

What??? You're in Central Oregon, and you don't drive a Subaru??? :twisted:
Sorry, couldn't resist. However, they are all-wheel drive, and the new ones have great safety features. My brother has owned three Subarus, driving each nearly 300,000 miles. And he loves the safety features on his new one.
by Gnirk
Thu Dec 01, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: Money and Phone Abroad
Replies: 23
Views: 1939

Re: Money and Phone Abroad

I opened a CapOne360 online checking account (debit/ATM card) before my recent trip to Europe. No ATM or foreign transaction fees! I transferred more than enough funds from my Ally account to the CapOne360 before I left so I wouldn't run short in an emergency. Used my Alaska Airlines B of A Visa as ...
by Gnirk
Wed Nov 16, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Building new house - central vacuum worth it?
Replies: 53
Views: 10936

Re: Building new house - central vacuum worth it?

We've had our home for 22 years, and it has a central vac. If I had it to do over, I wouldn't have it. Even though e keep a " sock" on the hose, dragging the hose against baseboard corners is hard on the paint. And no matter how careful, it still happens. I find it more difficult, physical...
by Gnirk
Tue Nov 15, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2282
Views: 564403

Re: What Movie Have You Recently Watched?

ruralavalon wrote:Topper Returns, with Joan Blondell, Carole Landis, Roland Young, and Billie Burke.

This is a classic comedy/mystery, involving murder and a ghost in an old seaside mansion. It's free with Amazon Prime.

Love the Topper movies! Also enjoyed the tv show.
by Gnirk
Tue Nov 15, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2282
Views: 564403

Re: What Movie Have You Recently Watched?

We took advantage of cheap Tuesday ( $5.75) and saw The Accountant. We go to the movies once or twice a year.
by Gnirk
Tue Nov 15, 2016 6:40 pm
Forum: Investing - Theory, News & General
Topic: Muni bonds are getting killed. Are you bailing out?
Replies: 88
Views: 13197

Re: Muni bonds are getting killed. Are you bailing out?

No, I'm not bailing out of my muni funds. They are part of my IPS/ asset allocation, so I plan to stay the course, and ride this roller-coaster.
by Gnirk
Tue Nov 15, 2016 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 37
Views: 3954

Re: Costco Visa foreign transaction fee

Well I'm going to give it a try based on the replies- will charge the deposit for the trip and see what happens.... If i get charged the fee then I will pay the balance with my HSBC premier mastercard which I know doesn't charge fees. So I went ahead and charged the deposit yesterday which was for ...
by Gnirk
Wed Nov 02, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Question for the Retired
Replies: 27
Views: 3508

Re: Personal Finance Question for the Retired

We have been retired for ten years. I'm 72, DH is 77. Our over-all spending is about the same, but the amount spent in certain categories is different. For example, we no longer have transportation costs (car usage, gas, maintenance) for our daily commute to our business 45 miles each way. Nor do we...
by Gnirk
Wed Oct 19, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 37
Views: 3954

Re: Costco Visa foreign transaction fee

I called Citi regarding foreign transaction fees before my recent trip to Europe, and was told they charge 3%, so I used my CapitalOne Adventure card instead. For ATM withdrawals, I opened a CapOne 360 debit card ("checking"), and funded it with more than enough cash for the trip. It has n...
by Gnirk
Tue Sep 27, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why Is a Vanguard Internal Transfer Taking Almost Two Months?
Replies: 10
Views: 1551

Re: Why Is a Vanguard Internal Transfer Taking Almost Two Months?

It took Vanguard over two months, when my mom passed away, to transfer the funds in-kind to the named beneficiaries, my brother and I. I was her DPOA while she was alive and took care of her Vanguard accounts, and I was the personal representative of her estate, so it's not like Vanguard was unfamil...
by Gnirk
Tue Sep 27, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 74
Views: 6475

Re: How it really feels to have investments during a bear market?

The market tanked the year after we retired. (How's that for timing??) The majority of our retirement funds consisted of everything saved/invested--husband owned his own retail business-- and to watch 75% of our retirement funds disappear was the scariest thing ever, financially. And we weren't even...
by Gnirk
Tue Sep 20, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Plan Help
Replies: 19
Views: 2041

Re: Inheritance Plan Help

Assuming that your spouse predeceases you, there is the chance that she may remarry, and circumstances will change. For that reason, I would specify a percentage of the estate go to your daughter upon your death, with the remaining going to your wife. And vice-versa. I personally know of two instanc...
by Gnirk
Sun Sep 18, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: More on Scouting Retirement Locations
Replies: 35
Views: 3136

Re: More on Scouting Retirement Locations

I think it depends upon whether or not you like to be around water: lakes, ocean, etc. We live in the PNW, and I've grown up around lakes and Puget Sound. To get away from our wet, sometimes dreary winters, we bought a snowbird home in the La Quinta/Palm Desert area of California. It's a small home ...
by Gnirk
Sun Sep 18, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Spouses Asset Allocation Separate?
Replies: 10
Views: 1029

Re: Spouses Asset Allocation Separate?

If your other finances are joint, then I would view yours and your spouses retirement accounts and taxable accounts as one, for asset allocation. My DH and I keep all of our finances separate (second marriage with each having adult children) so we each have our own asset allocation according to our ...
by Gnirk
Sat Sep 17, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Have Experience w/ PenFed ACH?
Replies: 4
Views: 373

Re: Anyone Have Experience w/ PenFed ACH?

I have my PenFed account tied to my Ally savings account. When a CD matures, and I'm not going to open a new one, I have Ally pull from PenFed.
by Gnirk
Tue Sep 13, 2016 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: When to sell parent's home
Replies: 25
Views: 2557

Re: When to sell parent's home

I have been through this. There are several things to consider: Most insurance companies will not pay any claims if a house has been unoccupied for a specific period of time- if the house is broken into and vandalized or water pipes break, you may be out of luck. However, I believe you can pay for a...
by Gnirk
Thu Sep 08, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: LTC Quandary
Replies: 32
Views: 3069

Re: LTC Quandary

Wow, LTC premiums have really increased! Personally, I don't have LTC and am self-insured, with less assets than you have. However, my mom had LTCI through Genworth, and over 20 years paid less than $20,000 total in premiums. She had a 4 year/ 5% inflation adjustment policy which paid out a total of...
by Gnirk
Tue Aug 30, 2016 12:04 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 57
Views: 7844

Re: Retirees Saying No To The Market

Do you know retirees who absolutely refuse to invest in the market? I was wondering how well they are doing financially and what are they doing to get by. Thanks. The ones I know have very generous government pensions. When combining SS and pension income, they have more after-tax income than when ...
by Gnirk
Sat Aug 27, 2016 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Questions about POA for my mother
Replies: 29
Views: 1995

Re: Questions about POA for my mother

What Little Bird and Fallible said. Here are my thoughts, and I speak from personal experience. I used my Durable Power of Attorney to manage my mom's finances and medical care. With lots of family help, we were able to keep her in her own home for the first 4 years of the disease. We were very fort...
by Gnirk
Mon Aug 22, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Definition of an "Estate"?
Replies: 17
Views: 1153

Re: Definition of an "Estate"?

Each state has different probate rules. In Washington State, the probate laws are such that if the person responsible for probating the estate publishes a "Probate Notice to Creditors" in the approved local publication, it reduces the claim period for creditors from 24 months to 4 months. ...
by Gnirk
Wed Aug 17, 2016 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting whole estate in life
Replies: 77
Views: 4963

Re: Gifting whole estate in life

Regarding the Washington State Estate Tax: In 2012, on the advice from my mom's CPA, I, as trustee of her Revocable Living Trust (mom had Alzheimer's) gifted cash and individual Municipal Bonds to her two beneficiaries (my brother and me) to bring her estate under the Washington State limit for Esta...
by Gnirk
Wed Aug 10, 2016 10:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 87
Views: 11401

Re: Vanguard upgrading to Brokerage account comes with some nuisances

When I found out that with the upgraded brokerage account I cannot "automatically" have the dividends and capital gains of one Vanguard fund invested into another, I told them I didn't want their "upgrade". I complained about it to my Flagship rep, and he said I was just "sp...
by Gnirk
Sat Jul 30, 2016 11:43 pm
Forum: Personal Consumer Issues
Topic: Where to move
Replies: 54
Views: 4757

Re: Where to move

Bend, Oregon??
by Gnirk
Fri Jul 29, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 98
Views: 6911

Re: Preparing financially for our funerals - prepay or not?

I'm aware funeral customs vary by generation, religion, and family beliefs. Some feel it necessary to have a fancy casket, some are pressured to have the fancy casket by the funeral directors (salesmen) while others prefer simple cremation and a scattering of ashes. My parents purchased a family plo...
by Gnirk
Thu Jul 28, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 18085

Re: How many folks choose to give inheritance to their children in unequal portions?

Might be a moot point because my wife is a lot younger than I am (17 years) and unless something unexpected happens she should outlive me by quite a few years, in which case she legally gets it all any way and will be the one to divide it up. This is a bad idea. How are your other kids going to fee...
by Gnirk
Thu Jul 28, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Growth just closed (effective *now*)
Replies: 62
Views: 7092

Re: Vanguard Dividend Growth just closed (effective *now*)

My DH received an email today from Vanguard stating the fund is closed to new investors but he can still buy into it. Unless he sells all his shares, and then he can't buy back in.
by Gnirk
Mon Jul 25, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 80
Views: 6614

Re: What kind of apartment can $1k get you in your city?

You can get a studio in Seattle for about $1,000 per month, plus $75-$150 per month for parking, and an additional $50 per month pet rent, either cat or small dog.
by Gnirk
Sun Jul 24, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 18085

Re: How many folks choose to give inheritance to their children in unequal portions?

I believe gifts and inheritances should, in normal circumstances, be given evenly. In my case, gifts to one daughter are made out of need, not of her doing. Equal gifts to the other daughter, for her to do with as she wishes. They are equal beneficiaries of my estate. To me, that's only fair.
by Gnirk
Sat Jul 23, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 9599

Re: Reliving the Nightmare of the Crisis

With all the mentions of margin, options, single stocks, market timing, futures, and 100% stock portfolios lately, I thought the forum could use some context in the form of reliving the financial crisis. What are your favorite threads or news stories from that time? What are some memories that stuc...
by Gnirk
Sat Jul 23, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 18085

Re: How many folks choose to give inheritance to their children in unequal portions?

DH has two adult children, each of whom have two children. While his son is very responsible, and has very stable marriage and family, his daughter is not. She lost a well-paying job and now makes less than half of what she was making. She has spending & gambling issues. DH is dividing his estat...
by Gnirk
Fri Jul 22, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 18085

Re: How many folks choose to give inheritance to their children in unequal portions?

No matter how logical it seems to split the inheritance unequally, (unless there is a disabled child who requires a special needs trust) when all is said and done, an uneven inheritance almost always comes down to "dad (or mom) didn't love me as much as he loved you". In this case, I would...
by Gnirk
Thu Jul 21, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 33
Views: 3281

Re: Seattle trip at end of May - Any tips?

Boring city. Been to most of the famous spots, totally not worth it. Totally agree. Unless you like hiking, boating, art, seafood, microbrews, pro sports, and green green natural beauty. Definitely do not visit in July, August or September. You'll just hate it! (Seattle resident here. :beer) Yup, b...
by Gnirk
Sat Jul 16, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 13312

Re: What kind of car do Bogleheads like to drive?

Me: 2015 Lexus RX 350.
Him: 2009 Buick Enclave, 2005 Mercedes 350CLK
by Gnirk
Fri Jul 15, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3762

Re: Raising a reader

I started reading to my daughters when they were three months old. Later, I made sure the books had beautiful illustrations so they could enjoy the story and the pictures. As they got older , I also limited their tv time as well as which shows they could watch that were age appropriate. The reading ...
by Gnirk
Fri Jul 15, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving money as a legacy after death
Replies: 15
Views: 1179

Re: Leaving money as a legacy after death

It was my late father's intention to leave a not insignificant amount in his will to a religious based entity/charity. Can't recall the specifics, but something like, say, "25% of the value of his estate". The attorney who was drafting his will suggested that he not do this because the &q...
by Gnirk
Wed Jul 13, 2016 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Pull out of market?
Replies: 56
Views: 5881

Re: Pull out of market?

After years of angst since the big downturn I finally got the picture that I don't like or tolerate risk well, and I have settled on a 35 stock/60 bond/5 cash allocation, and find that lets me sleep at night. Over 90% of my portfolio is taxable , and I haven't had to withdraw from it yet, other than...

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