Search found 273 matches

by auntie
Fri Jun 01, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Address in Social Security
Replies: 21
Views: 2454

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: 8510

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: 17506

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: 2291

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: 69144

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: 2431

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: 5227

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: 106
Views: 22095

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: 106
Views: 22095

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: 106
Views: 22095

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: 12150

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: 20567

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: 3789

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: 8727

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: 10434

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: 10184

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: 7241

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: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 28753

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: Investing - Help with Personal Investments
Topic: Should I buy 10 year TIPS at auction in July?
Replies: 29
Views: 2714

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: 2788

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: Investing - Help with Personal Investments
Topic: Large Inheritance...Do I need to worry about retirement?
Replies: 69
Views: 11157

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: 10612

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: 7124

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: 1261

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: 1261

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: 2830

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: 6670

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: 17611

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: 2022

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: 6139

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: 2746

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: 6765

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: 8467

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: 1228

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: 8173

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...
by auntie
Sun Sep 01, 2013 11:52 am
Forum: Personal Consumer Issues
Topic: How many big moves have you made in your lifetime?
Replies: 76
Views: 7393

Re: How many big moves have you made in your lifetime?

Except for college and a couple years in early childhood that I don't remember, I've always lived within 30 or 40 miles of where I was born 68 years ago. My parents and sibling stayed close, too.
by auntie
Sat Aug 31, 2013 1:41 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 9608

Re: Individual Stocks - Do you own any?

I have several that I've been selling some of at the end of each year when I figure out how my taxes will look. At this rate I may have them for quite a while. Some day I'll probably just sell what's left to simplify things.
by auntie
Fri Aug 09, 2013 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Reviews?
Replies: 31
Views: 15840

Re: TD Ameritrade Reviews?

I've had an apex account with TD Ameritrade for many years. I don't think they've ever called me. The few times I've contacted them I've gotten good responses. So far so good.
by auntie
Wed Aug 07, 2013 9:57 am
Forum: Investing - Theory, News & General
Topic: Help understanding 0 capital gains tax (15% tax Bracket)
Replies: 21
Views: 3529

Re: Help understanding 0 capital gains tax (15% tax Bracket)

2) In a taxable account is there anything preventing people from taking cap gains until they reach the 15% tax bracket and then immediately buying back to increase their cost basis? Is anyone utilizing this strategy? I'm usually in a low bracket, and every year in December I figure our how much gai...
by auntie
Wed Jul 31, 2013 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money to overseas charity
Replies: 8
Views: 1158

Re: Sending money to overseas charity

richard wrote:On the charity's side, that means setting up the ability to process credit card payments. I'd guess that's at least as expensive as paypal's fee of up to 4% (for merchants).
They can use the number to buy something they need.
by auntie
Sat Jul 27, 2013 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Living on savings
Replies: 4
Views: 907

Re: Living on savings

It seems reasonable to me. If you wait until you have enough to be absolutely positive you have enough you'll probably never retire.
by auntie
Fri Jul 19, 2013 7:30 pm
Forum: Personal Consumer Issues
Topic: The hazards of retiring ...
Replies: 73
Views: 10878

Re: The hazards of retiring ...

According to the Nun study, begun in 1986, http://en.wikipedia.org/wiki/Nun_Study it is evident as early as a person's 20s who will probably get Alzheimers.
by auntie
Mon Jun 24, 2013 3:34 pm
Forum: Investing - Theory, News & General
Topic: Do you do tax loss harvesting?
Replies: 40
Views: 2709

Re: Do you do tax loss harvesting?

I said other. I do tax gain harvesting, not loss harvesting. While I'm in a very low tax bracket I sell my winners, buy them back with a higher basis and pay 0% capital gains tax.
by auntie
Mon Jun 03, 2013 8:57 am
Forum: Personal Consumer Issues
Topic: Pet Adoption
Replies: 22
Views: 1568

Re: Pet Adoption

Border collies are wonderful, intelligent dogs. But they are absolutely not suited for a suburban first-time dog owner. If they have a job and a large area to work in, like a working farm dog, they will be happy. They are good herding dogs, and wonderful agility dogs. They can learn lots of tricks a...
by auntie
Mon Jun 03, 2013 8:42 am
Forum: Personal Consumer Issues
Topic: Pet Adoption
Replies: 22
Views: 1568

Re: Pet Adoption

Here's one vote against pit bulls. Until yesterday I kinda believed the story "it's not the dog, it's the owner." but I was suspicious of them because I know they are bred to fight. I've seen the strong instincts to retrieve in retrievers, and the strong herding instinct in herders, so I always assu...
by auntie
Sun Jun 02, 2013 10:35 pm
Forum: Investing - Theory, News & General
Topic: Financial Literacy, or the lack of...
Replies: 45
Views: 3986

Re: Financial Literacy, or the lack of...

The question about bonds value going up or down when interest rates changed wasn't really necessary for financial literacy. The others sure were.