Search found 284 matches

by auntie
Thu Jan 30, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: LBYM vs Not Really Wanting More (NRWM(?))
Replies: 78
Views: 6234

Re: LBYM vs Not Really Wanting More (NRWM(?))

I would have failed the Marshmallow test in kindergarten. I'd fail it today, too. But I live very cheaply and have always spent less than my income. I simply don't have expensive tastes. If I want something I buy it. I don't understand people who keep upgrading their lifestyles. My lifestyle keeps g...
by auntie
Wed Dec 25, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Help not being a Scrooge with presents
Replies: 49
Views: 3962

Re: Help not being a Scrooge with presents

I have told all my friends and relatives that I don't give Christmas or birthday gifts, so don't expect anything. If they want to give me something I will accept it with thanks. This is tempered by the fact that I'm very generous with my time and everyone knows I can be counted on to help whenever n...
by auntie
Tue Sep 10, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can this girl "go wild?"
Replies: 33
Views: 5363

Re: Can this girl "go wild?"

I don't track my spending but twice a year I add up my net worth. If its higher than the previous year I relax. If not I figure out why. So far it's almost always been significantly higher.
by auntie
Thu Aug 22, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever used a Power of Attorney for Health Care or Property (Financial) ? Tell me about it!
Replies: 23
Views: 1396

Re: Have you ever used a Power of Attorney for Health Care or Property (Financial) ? Tell me about it!

I had a stack of documents that I thought included health care power of attorney for my dad. No one asked to see them until he was 103 and unable to sign such a document. At the memory care facility they just wanted it for their records and when I told them I couldn't find it they weren't concerned....
by auntie
Sat Jun 29, 2019 6:58 pm
Forum: Personal Investments
Topic: 8 figure net worth, still winging it, asset allocation advice?
Replies: 30
Views: 3992

Re: 8 figure net worth, still winging it, asset allocation advice?

Once you have 20 times your expected annual expenses in safe bonds and 20 times your expected annual expenses in a good stock mutual fund it doesn't matter what you do with the rest of your money. You'll be fine.
by auntie
Sat May 11, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 123
Views: 28250

Re: Growing old without kids or younger caring relatives

It's ten years later. As predicted both my parents needed help as they aged. I was there for them. I realized even more that friends are nice but they won't do all the caring that family will do. I have many friends, so that isn't the problem. I have put my name on the waiting list at the place my d...
by auntie
Mon Apr 08, 2019 2:54 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Are you annually spending in Real or Nominal Terms?
Replies: 63
Views: 4468

Re: Retirees: Are you annually spending in Real or Nominal Terms?

Earl Lemongrab wrote:
Mon Apr 08, 2019 1:06 pm
Certainly not me. I don't budget, period. I have no spending target. I buy what I need and want in accordance with my natural frugality.
Same here.
by auntie
Sun Mar 03, 2019 11:44 pm
Forum: Personal Investments
Topic: How do annuity payers and pension companies know when you die?
Replies: 25
Views: 2245

Re: How do annuity payers and pension companies know when you die?

My dad lived to 103 and none of the four places sending him payments ever checked to see if he was still alive. I notified them and they requested copies of the death certificate. They all stopped the payments before receiving the death certificates.
by auntie
Mon Jan 28, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 9617

Re: No Children, what will your legacy be?

I have a CRUT Charitable Remainder Unitrust. I donated a substantial amount which is invested. I get 6% of the remaining account each year and when I die whatever's left goes to my selected charity. And I got a tax deduction of approximately half of what I donated. Part of my motivation is to protec...
by auntie
Tue Jan 01, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Car purchase. Need to consider seat height.
Replies: 32
Views: 29798

Re: Car purchase. Need to consider seat height.

I bought my Chevy Equinox with my 100 year old dad in mind. It worked well for him for almost 3 years.
by auntie
Fri Jun 01, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Address in Social Security
Replies: 21
Views: 2716

Re: Changing Address in Social Security

When my dad moved to assisted living I gave the post office a change of address notice to my address. Before long the mail from SS started coming to my address. His payments still went to the same bank account.
by auntie
Tue May 22, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 9587

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

My friend's husband was well into alzheimers when he developed a condition that could be easily cured with antibiotics. My friend said no and the facility agreed. He recovered without the antibiotic. Or, it just dawned on me, perhaps they gave it to him without her consent. No, probably not.
by auntie
Mon Jan 15, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 198
Views: 19057

Re: Stats on When People Take Social Security

Leif wrote:
Mon Jan 15, 2018 1:47 pm
sunny_socal wrote:
Mon Jan 15, 2018 11:44 am
I'll be pleasantly surprised if the SS system is still around when I'm old enough to get back my $$.
Interesting. I was telling others the same thing about 30 years ago.
Me too, but more like 50 years ago.
by auntie
Sat Jan 13, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: Jan 2018 TIPS Auction
Replies: 17
Views: 2515

Re: Jan 2018 TIPS Auction

I'm buying, just like always.
by auntie
Thu Oct 19, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 76884

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

The nice man from TDA customer service just called me and asked if I'd read the email they sent a few days ago. I told him how unhappy I was, and he asked if it was because of Vanguard. I told him yes, and he told me about all the nice replacement funds they offer. He seemed surprised when I said th...
by auntie
Mon Oct 16, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 3796

Re: Experience with "mini-monovision" cataract implants?

I had it done about 5 years ago and it's wonderful. I do think you should try it with glasses or contacts first before making it permanent.
by auntie
Sun Oct 15, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 58
Views: 5998

Re: Annuities - how does insurance company know you died?

My dad made a large donation to the Salvation Army many years ago, and in exchange they ACH money into his checking account every month. He's 102 years old and as far as I can tell they've never checked to see if he's still alive. They certainly haven't communicated with him in the past year since I...
by auntie
Sat Oct 07, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 123
Views: 28250

Re: Growing old without kids or younger caring relatives

As part of our divorce agreement we decided to leave everything to each other. That is interesting. Any chance he is facing the same problem and you would each agree to help manage the other's affairs if needed? If he dies first, who would be next in line? If he dies first there's nobody in line. I...
by auntie
Sat Oct 07, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 123
Views: 28250

Re: Growing old without kids or younger caring relatives

OP here. It's 8 years later. My parents were in their 90s and in good health. Now my mom's been gone 4 years and dad's in a good assisted living facility. He's 102. I'm doing a lot for him, managing his finances, taking him places, making decisions he's no longer competent to make. I sold his home ...
by auntie
Sat Oct 07, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 123
Views: 28250

Re: Growing old without kids or younger caring relatives

OP here. It's 8 years later. My parents were in their 90s and in good health. Now my mom's been gone 4 years and dad's in a good assisted living facility. He's 102. I'm doing a lot for him, managing his finances, taking him places, making decisions he's no longer competent to make. I sold his home l...
by auntie
Tue Oct 03, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 13428

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

Now I understand what happened with my uncle maybe 10 years ago. His kids sneaked him out of Michigan in the night and took him to California. He had to abandon some of his property in Michigan but the kids managed to save most of it. When they tried to explain what had happened I couldn't believe t...
by auntie
Mon Aug 14, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 23389

Re: How far would you travel to see The Eclipse?

I'm driving from southern California. About 1000 miles. Each way. Planning on an 8 or 9 day trip.
by auntie
Thu Jun 15, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 4459

Re: Cataracts & reading glasses

I had one eye done for distance and one for intermediate. I'm extremely happy with how it turned out. I only need glasses for very small print.
by auntie
Fri Feb 24, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 9080

Re: Market Run Ups - Now vs. Then

before the 2000 crash my husband was heavily into tech stocks, even some on margin. It scared me and I begged him to sell some. Fortunately he did sell a small amount before the crash. I knew it had to come, but of course I didn't know when. We lost a huge amount. By the next crash I was single and ...
by auntie
Fri Feb 10, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 103
Views: 11380

Re: Terrible negotiator - need help with words to use [Buying a car]

When I bought my new car last April I decided on the car I wanted, asked the salesman what I needed to pay for it, bottom line, out the door. When he gave me a price I acted shocked and said that's $3000 more than I'm ready to pay. He said just a minute, left to talk to the manager. He came back wit...
by auntie
Mon Dec 26, 2016 11:18 pm
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 10644

Re: Remember what it was like before the recession?

When I became aware that they were lending money for overpriced houses to anyone with a pulse I considered selling my paid for house while it was still worth a lot. But I would then have to find a place to live so I decided to just wait it out. I knew it couldn't last.
by auntie
Sun Aug 28, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 68
Views: 8401

Re: Buying house near church

I've found the the neighbors are always happy to tell me all about the neighborhood I'm thinking of buying in.
by auntie
Sun Aug 28, 2016 7:25 pm
Forum: Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 31078

Re: $50M+ - Need a sounding board/advice

If I had that much money I'd probably invest in a couple of vacation properties widely separated, like Finland and Australia, just in case of some unthinkable disaster. The rest I'd put in a three fund portfolio and start thinking about worthwhile charities.
by auntie
Wed Jul 13, 2016 9:56 am
Forum: Personal Investments
Topic: Should I buy 10 year TIPS at auction in July?
Replies: 29
Views: 3048

Re: Should I buy 10 year TIPS at auction in July?

I'm still adding to my 10 year tips ladder. The old CDs are gradually falling off the end and being replaced by TIPs. As they mature I roll them over and usually add a bit to them.
by auntie
Sat Apr 30, 2016 9:30 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 3172

Re: anyone wiht experience with car with frontal collision alert?

I bought a chevy equinox a couple weeks ago. So far I'm enjoying the feature. It doesn't stop the car, just tells me about the car in front of me. If I'm following too closely, or someone pulls in front of me the red light goes on, bright enough to be noticed. If the car in front of me stops the lig...
by auntie
Sun Mar 27, 2016 10:10 pm
Forum: Personal Investments
Topic: Large Inheritance...Do I need to worry about retirement?
Replies: 69
Views: 11830

Re: Large Inheritance...Do I need to worry about retirement?

How about a couple million to a charitable remainder trust? That would give you income for life, plus a tax deduction that would allow you to sell more of it without paying tax on the gain.
by auntie
Sun Mar 27, 2016 5:39 pm
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 11589

Re: TIPS Anyone?

sarahjane wrote:Anyone holding TIPS in taxable accounts?
Sure. I have a nice ladder of 10 year TIPS. Enough to live on for the next 10 years so I don't have to worry about what the market does.
by auntie
Sat Nov 28, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Would you consider an eventual inheritance?
Replies: 43
Views: 7439

Re: Would you consider an eventual inheritance?

I'm glad I never counted on an inheritance. I'm 70 and my dad's 100. He looks like he could go on many more years and that's fine with me.
by auntie
Sat Jul 25, 2015 9:43 pm
Forum: Personal Consumer Issues
Topic: SF story about only the rich allowed to consume less
Replies: 3
Views: 1295

Re: SF story about only the rich allowed to consume less

You're welcome. I remember reading that story as a kid too.
by auntie
Sat Jul 25, 2015 9:28 pm
Forum: Personal Consumer Issues
Topic: SF story about only the rich allowed to consume less
Replies: 3
Views: 1295

Re: SF story about only the rich allowed to consume less

Frederik Pohl "The Midas Plague" (originally published in Galaxy in 1954). In a world of cheap energy, robots are overproducing the commodities enjoyed by mankind. The lower-class "poor" must spend their lives in frantic consumption, trying to keep up with the robots' extravagant production, while t...
by auntie
Wed May 06, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any circumstances when a home seller gives a buyer a check
Replies: 16
Views: 3324

Re: Any circumstances when a home seller gives a buyer a check

I sold a house last month. The inspection found more problems than we expected, so I agreed to give the buyer $1000 to help pay the difference. That was somehow left out of the escrow instructions and it was discovered at the last minute. My agent told me it would be acceptable to give them a check ...
by auntie
Mon Apr 27, 2015 7:10 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade user? Question regarding selling Free ETFs
Replies: 55
Views: 7936

Re: TD Ameritrade user? Question regarding selling Free ETF

I asked about selling and buying back and I was assured there would be no charge. So when they charged me I called them and they reversed the charge.
by auntie
Tue Oct 21, 2014 10:36 am
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 24120

Re: How do you wash your car?

Sometimes in the morning the car is so covered with dew that I can't see out the windows. I usually squeegee them off but occasionally I'll grab the hose and rinse it off. I think It has been actually washed 3 or 4 times since 2006. It has never been in the garage. The paint seems fine except for th...
by auntie
Fri Aug 15, 2014 6:04 pm
Forum: Personal Consumer Issues
Topic: Medical Alert System
Replies: 20
Views: 2330

Re: Medical Alert System

Two relatives and I who live alone have a system that's better than nothing. Every morning and every evening we each send a message to the others to let them know we're ok. Often it's just "goodnight" but it may also include other things. Occasionally one of us will forget and the others will check ...
by auntie
Thu May 15, 2014 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: what had biggest impact on your financial success?
Replies: 57
Views: 6415

Re: what had biggest impact on your financial success?

Luck.

I was born white, in the USA, in the 20th century, with a frugal gene and a father who showed me by example how wealth was generated. And how it was protected.
by auntie
Tue Feb 25, 2014 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting money, then leaving it to your kids
Replies: 23
Views: 2845

Re: Inheriting money, then leaving it to your kids

Having no kids, I'll just add it to my stash, and spend it.
by auntie
Sat Feb 22, 2014 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep previous years Income tax returns????
Replies: 63
Views: 7132

Re: How long to keep previous years Income tax returns????

Mine go back to the mid 1960s. They make interesting reading. And they don't take much space.
by auntie
Sat Jan 04, 2014 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 8727

Re: How much did your credit card rewards cost you in 2013?

I first decide what I will buy and how much to spend. Then I decide if I will pay with cash, check, or credit card. If I get to the cash register and see that there's a discount for cash I decide if it's enough to be worth it. I can't decide how much I'll spend based on how I'll pay because I don't ...
by auntie
Thu Oct 03, 2013 7:17 pm
Forum: Personal Consumer Issues
Topic: dog chews
Replies: 15
Views: 1289

Re: dog chews

I had a nice big "kong for extreme chewers." It took my little lab mix a few days to totally destroy it. But she did have a good time.
by auntie
Thu Sep 26, 2013 2:52 am
Forum: Personal Finance (Not Investing)
Topic: preparing children for wealth
Replies: 52
Views: 8249

Re: preparing children for wealth

How about starting a family tradition of playing the game of "what would you do if you had a million dollars?" You could gradually show them what happens to the million when it's used in different ways, You could discuss what happens to lottery winners who aren't prepared to deal with their sudden w...