Search found 561 matches

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: 5902

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: 18
Views: 1318

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: 50
Views: 9660

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: 2080
Views: 507966

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: 2080
Views: 507966

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: 75
Views: 9774

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: 36
Views: 3396

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: 3218

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: 36
Views: 3396

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: 1511

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: 6181

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: 1948

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: 3006

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: 998

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: 332

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: 2457

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: 2966

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: 7660

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: 1940

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: 1125

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: 4655

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: 72
Views: 8936

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: 4638

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: 6609

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: 17586

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: 6740

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: 6295

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: 17586

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: 9375

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: 17586

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: 17586

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: 3250

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: 12855

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: 3589

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: 1153

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: 5738

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: 14293

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: 14293

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: 841

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: 7530

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: 1662

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: 1662

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: 1117

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: 1571

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: 1814

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: 5174

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: 3414

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: 1856

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: 1026

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...

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