Search found 535 matches

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: 60
Views: 3359

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: 180
Views: 13686

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: 8354

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: 180
Views: 13686

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: 180
Views: 13686

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: 3012

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: 123
Views: 8096

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: 3177

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: 1056

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: 5274

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...
by Gnirk
Sun Jul 10, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13094

Re: What do you spend your money on???

Items to help keep spouse comfortable and content in his assisted living group home and to make it as easy as possible for staff to care for him. Recent purchases: case of Yum brand organic wild peppermint candies (helps with cough); 4 new lightweight shirts that look ordinary but which have been r...
by Gnirk
Fri Jul 08, 2016 11:41 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13094

Re: What do you spend your money on???

Tickets for live theatre in Seattle, and a four-day annual trip to the Oregon Shakespeare Festival in Ashland Oregon. And I buy the best seats that are available (that is my splurge). Oh, and much to my husband's chagrin, I buy organic produce whenever possible. As I tell him, It's not about what's ...
by Gnirk
Fri Jul 08, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: Buying used car in the Pacific Northwest
Replies: 11
Views: 729

Re: Buying used car in the Pacific Northwest

You will probably want a car to explore the area, not everything is reachable by public transportation. Re-the manual transmission. I was born and raised in Seattle, and yes, learned to drive on a car with a manual transmission, and had an Acura with a manual transmission in the late 80's. Never aga...
by Gnirk
Thu Jul 07, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 5619

Re: Costco Tires - Anyone ever frustrated?

My DH has found that Discount Tires in our area will meet the Costco special price, and have bought them at Discount Tire because they have more locations.
by Gnirk
Thu Jul 07, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: One day in Seattle. Where to stay?
Replies: 19
Views: 1541

Re: One day in Seattle. Where to stay?

On your "by yourself" day, you might take the ferry over to Bainbridge Island and visit the art museum there and go to dinner. And if you go to Bainbridge, try the ice cream at Mora. :D The town of Winslow on Bainbridge is very walkable, so you don't need a car and can be a "walk-on&...
by Gnirk
Thu Jul 07, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: One day in Seattle. Where to stay?
Replies: 19
Views: 1541

Re: One day in Seattle. Where to stay?

livesoft wrote:On your "by yourself" day, you might take the ferry over to Bainbridge Island and visit the art museum there and go to dinner.

And if you go to Bainbridge, try the ice cream at Mora. :D
by Gnirk
Wed Jul 06, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Question for 88 Yr Old Mother
Replies: 14
Views: 1012

Re: Lump Sum Question for 88 Yr Old Mother

From one who has been in a similar situation: It's highly probable your mom will require a higher level of care or skilled nursing later, so making sure the funds are available and secure for her care is important. FWIW, my aunts each lived 20 years with dementia, and my mom 12 years. Nursing homes ...
by Gnirk
Tue Jul 05, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: IRS address, bangs head on counter
Replies: 10
Views: 1514

Re: IRS address, bangs head on counter

If you can't find any other address, mail it to the same address where you would mail your 1040 form. I live in Washington State, and had an issue with my mom's individual returns, and sent the letter to the Internal Revenue Service Center in Fresno, CA, which is the same address for filing her retu...
by Gnirk
Mon Jul 04, 2016 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: gift and estate tax and marriage (Washington state)
Replies: 28
Views: 1690

Re: gift and estate tax and marriage considerations

The only state with a rate that high is Washington with 20%. Gill On the advice of my mom's CPA, I, as trustee of her revocable living trust, gifted on my mom's behalf the maximum to my brother,his wife & his son and me, and my two daughters (so each family received the same amount) over the co...
by Gnirk
Thu Jun 30, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Will - Remarried with Troubled Kids
Replies: 37
Views: 4973

Re: Will - Remarried with Troubled Kids

Second marriage for us, each with adult children. Separate finances since we married 21 years ago, when he had 10 times the assets and income that I had. I have since received an inheritance, which I have kept separate. My investments go to my children, his investments go to his children. Our jointl...
by Gnirk
Thu Jun 30, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Which city should I move to?
Replies: 40
Views: 3172

Re: Which city should I move to?

Both Chicago and Seattle are amazing cities with plenty to offer. I think the best question is: how would you handle a Chicago winter? http://www.city-data.com/forum/weather/319525-seattle-weather-vs-chicago-weather.html Chicago winter or Seattle rain. Pick your poison. Ah, but when the sun shines ...
by Gnirk
Thu Jun 30, 2016 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Investing Inheritance
Replies: 19
Views: 1710

Re: Investing Inheritance

Before anything else, please be sure he has a will, a Durable Power of attorney for Health care and a Durable Power of Attorney for Financial. If he has cash available to make modest gifts, then okay, but don't sell investments with capital gains to do so. Also, unless he has a long term care policy...
by Gnirk
Sat Jun 11, 2016 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive, reasonably comfortable/durable sunglasses
Replies: 14
Views: 902

Re: Inexpensive, reasonably comfortable/durable sunglasses

If you are a Costco member, they have their Kirkland brand sunglasses for $25-$30. I've found them to be comfortable and attractive, and durable providing you don't accidentally sit on them. :oops: Do they still sell them? I couldn't find them on the website... I've found them in the stores, near t...
by Gnirk
Sat Jun 11, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive, reasonably comfortable/durable sunglasses
Replies: 14
Views: 902

Re: Inexpensive, reasonably comfortable/durable sunglasses

If you are a Costco member, they have their Kirkland brand sunglasses for $25-$30. I've found them to be comfortable and attractive, and durable providing you don't accidentally sit on them. :oops:
by Gnirk
Wed Jun 08, 2016 7:25 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 8762

Re: Crazy housing market

The housing market in Seattle is just plain crazy! House prices, condo prices, and rents have skyrocketed, and continue to do so. My 48 yo single daughter has been trying to buy a condo in Seattle for the past year,( conventional financing and 20-25% down) and in each case offered up to $50K over as...
by Gnirk
Thu Jun 02, 2016 11:12 pm
Forum: Personal Consumer Issues
Topic: neighbor issue - do I need a fence?
Replies: 90
Views: 6891

Re: neighbor issue - do I need a fence?

You absolutely need a fence. 1. Get a survey performed. 2. Hire a reputable fence contractor to put a nice sturdy fence an inch or two inside your property line. 3. Make sure the contractor is licensed and that he gets a permit if required (call the city zoning/inspection dept to verify) 4. Make su...
by Gnirk
Thu Jun 02, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Hold or sell inherited munis?
Replies: 17
Views: 1246

Re: Hold or sell inherited munis?

I, too, inherited municipal bonds with a 5% or more coupon, tax and AMT free. They fit in with my overall allocation, but all are expected to mature or be called within the next three years, unfortunately for me ( I am retired). And those which had a call date have already been called, since the dat...
by Gnirk
Tue May 31, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Informing your adult kids about your detailed personal finances
Replies: 30
Views: 4158

Re: Informing your adult kids about your detailed personal finances

My DH's son has a spreadsheet with my DH's account information, contacts, phone numbers, etc. My daughter has the same for my information. (our finances are kept separate....second marriage). But no details as to the actual investments or amounts in the accounts, or passwords. They also have a copy ...
by Gnirk
Mon May 30, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: POD I-bond redemption question
Replies: 1
Views: 275

Re: POD I-bond redemption question

I sent both a certified copy of the death certificate and the original copy of Letters Testamentary ( I only had one, and they requested an original) showing me as Personal Representative of my mom's estate when changing ownership on non-POD bonds per her will instructions. I requested return of bot...
by Gnirk
Mon May 30, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: Retiree feelings about nest egg
Replies: 36
Views: 6404

Re: Retiree feelings about nest egg

When we first realized that our nest egg must support us for 30 years, it was a cold-water-in-the face scary. Self-employed means you live off of whatever you have saved/invested plus social security. That's it, there are no defined benefit pensions involved. There is no new money coming in. We were...
by Gnirk
Mon May 30, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Informing your adult kids about your detailed personal finances
Replies: 30
Views: 4158

Re: Informing your adult kids about your detailed personal finances

Our children know the names, addresses, phone numbers and contacts for our financial accounts, but not the amounts in them.
by Gnirk
Fri May 27, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 22669

Re: I bought the wrong car - know it after 15 days

I understand having back issues with car seats. I can't ride/drive an Acura or a Ford any more, even though I drove an Acura Legend for several years 20 years ago. The seats just don't have the multiple adjustments that I need to keep away the back pain. The most comfortable, multi-adjusting seats (...
by Gnirk
Thu May 26, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 26617

Re: Costco AMEX Transition - Costco has no answers

It was stated in the paperwork received with the new CITI Visa cards.
by Gnirk
Thu May 26, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 26617

Re: Costco AMEX Transition - Costco has no answers

It was stated in the paperwork received with the new CITI Visa cards.
by Gnirk
Thu May 26, 2016 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: What the new FICO score means for you.......
Replies: 4
Views: 1602

Re: What the new FICO score means for you.......

FICO scores still mystify me. My FICO score is 803, with the annotation that it isn't higher because I don't have a history of installment payments! (my last mortgage payment was in 1995). I pay off my CC balances each month. But I'm not too worried, because I'm not planning on borrowing any money o...
by Gnirk
Thu May 26, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 26617

Re: Costco AMEX Transition - Costco has no answers

Our credit limit is the same as our Costco Amex card.
by Gnirk
Wed May 25, 2016 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Need what to do advice for elderly relative w/ memory loss.
Replies: 20
Views: 2296

Re: Need what to do advice for elderly relative w/ memory loss.

I'm so sorry you are in this situation....it's a tough one, especially when she doesn't realize she needs help. When a person with Alzheimer's refuses to be believe anything is wrong with them, it's a condition called Anosognosia. And makes it almost impossible to get them to a doctor or convince th...
by Gnirk
Tue May 24, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1580

Re: Pride in no inheritance to kids?

Inheritance? No inheritance? Help adult kids? Don't help adult kids? Wow, this is quite the discussion, with many different philosophies and experiences. I believe that financially helping an adult child who is responsible is not hindering their growth or ability to be responsible for themselves. Fi...
by Gnirk
Mon May 23, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 101
Views: 6053

Re: Painting House Interior - How easy to do it yourself?

Its easy. Buy the paint you want. Get rollers and a stick and brushes,tape. and cleaning solution. Take it one room at a time, Don''t rush :happy Turn on some music(headphones) Start with the borders first using a brush Then roll,using brush when necessary. Have Fun :happy And get a good, sturdy la...
by Gnirk
Mon May 23, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 400
Views: 72248

Re: "Vanguard converting mutual fund accounts to brokerage?

I just spoke with my Vanguard Flagship rep about the email I received about combining accounts. Currently, I have the dividends and capital gains from one Vanguard fund automatically reinvested into a different Vanguard fund. If I combine my accounts, that will no longer be possible. The dividends a...
by Gnirk
Sun May 22, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1580

Re: Pride in no inheritance to kids?

My daughters recently told me "Mom, the best gift you can give us is to have enough to cover your needs". They don't expect an inheritance, but I hope I can leave them one.
by Gnirk
Sun May 22, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2591

Re: Still double checking bank checkbook math?

In my 50+ years of balancing my checkbook, I have found only ONE bank error, in my favor, and reported it to them. I have found many of my own! :oops:
by Gnirk
Fri May 20, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: MIL selling Her Sister's House; How to gift the proceeds
Replies: 9
Views: 861

Re: MIL selling Her Sister's House; How to gift the proceeds

Medicaid may cover her assisted living costs, providing she meets the criteria, both for her care needs and her income/ asset level. My understanding is that Medicaid has a 5-year look-back period in most states, so even if she gifted that $80,000, she most likely will have to pay $80,000 towards he...
by Gnirk
Wed May 18, 2016 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1580

Re: Giving while alive

Taylor Larimore wrote:When you have enough, why not start giving your heirs their inheritance while you are still alive?

Best wishes.
Taylor


:thumbsup My thoughts, too. My mother did this, and I am gifting to my adult single daughters now and then. The good thing is they don't expect it!
by Gnirk
Wed May 18, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 8508

Re: Is it common for a step mother to inherit everything?

I do understand a bit how the OP may feel; often when a child from the first marriage is left "out in the cold" inheritance-wise, it's easy to equate that with not being loved by the deceased parent. True, no one is entitled to an inheritance, but for an adult child to be left out complete...
by Gnirk
Mon May 16, 2016 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 8508

Re: Is it common for a step mother to inherit everything?

Not ALL step-parents are like that, although I've seen this happen too often, even to the point where the daughters didn't even get a personal item when their mother or father passed away. My DH and I have been married for 21 years. We each have adult children from a previous marriage. We leave our ...
by Gnirk
Wed May 11, 2016 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney issues
Replies: 11
Views: 1539

Re: Power of Attorney issues

I had a properly written Durable Power of Attorney which among other things, specifically addressed Banking, for my mother who had Alzheimer's, and Washington Mutual (now JP Morgan Chase) refused to honor it. I called our state's Attorney General's office, who contacted WAMU legal department, and su...
by Gnirk
Thu May 05, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: International Travel Insurance
Replies: 11
Views: 467

Re: International Travel Insurance

We use http://www.TripInsuranceStore.com (And we've had a big claim paid by the policy from TravelInsured paid without quarreling, and that's important.) Call them, and explain exactly what your concerns are. They'll also probably ask you some questions that will help them find the best policy for ...
by Gnirk
Fri Apr 29, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: If not Children - Who/What Leave Estate To?
Replies: 27
Views: 2903

Re: If not Children - Who/What Leave Estate To?

My Traditional IRA, our homes and cars (all owned jointly) go to my DH, the remainder of my estate (Vanguard taxable account, cash and CDs) is to be distributed equally to my two daughters, who have no children. DH has the same plan, with the remainder of his estate going to his son and daughter.

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