Search found 1090 matches

by Gnirk
Thu Nov 14, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Equal Inheritance for Children
Replies: 38
Views: 2608

Re: Equal Inheritance for Children

It’s a can of worms. If you have a compelling reason to give Child A money now, then discuss it with Child B. Let Child B weigh in, because surely you weren’t going to hide this payment from Child B, right? And because it is highly likely that whatever plan you have to compensate Child B is going t...
by Gnirk
Thu Nov 14, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Options for great aunt ($0 net worth, low income, retired)
Replies: 15
Views: 1835

Re: Options for great aunt ($0 net worth, low income, retired)

I live in Olympia, and it appears there are many "senior apartments" being built, but I don't think they are for low income. There are two SHAG apartments that I know of, one near downtown and one on the west side of Olympia. Bus service in the area isn't optimal, but they have "Dial-a-Lift" door-to...
by Gnirk
Thu Nov 14, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Equal Inheritance for Children
Replies: 38
Views: 2608

Re: Equal Inheritance for Children

It’s a can of worms. If you have a compelling reason to give Child A money now, then discuss it with Child B. Let Child B weigh in, because surely you weren’t going to hide this payment from Child B, right? And because it is highly likely that whatever plan you have to compensate Child B is going t...
by Gnirk
Thu Nov 14, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Calls Right After Death
Replies: 32
Views: 2343

Re: Collection Calls Right After Death

OP has received good advice to check legal documents regarding any HELOC, whether or not it was paid off, and terms of the divorce settlement. For my mom's obituary four years ago, I didn't include any of her surviving relatives last names, only the first names of her children, grandchildren, step -...
by Gnirk
Tue Nov 12, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 56
Views: 3440

Re: Blankets/Bedding for Cold Winter Nights

100% goose down comforter.
by Gnirk
Tue Nov 12, 2019 6:12 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 25
Views: 3451

Ally savings rate changing

Just received a notice from Ally that they are reducing the interest on savings accounts from 1.80% to 1.70 % effective Nov 13th.
by Gnirk
Tue Nov 12, 2019 2:24 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11071

Re: Saving seats on Southwest

How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups? Spouse and I book aisle seats across from each other all the time as we both prefer the aisle. Our consciences are clear. :D We do the same when we fly. But we don’t fly Southwest...we like to ...
by Gnirk
Sun Nov 10, 2019 3:15 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 176
Views: 13252

Re: Spend It All vs. Leave $$ for the Kids

My DH has always been very clear with me since we married 25 years ago that he is leaving his wealth to his two children ( currently in their mid-50’s) from his first marriage. This has always been his goal. He has been very frugal all his life and continues to be, while I am frugal but more generou...
by Gnirk
Wed Nov 06, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Do wool dryer balls work?
Replies: 14
Views: 1314

Re: Do wool dryer balls work?

I have been using wool dryer balls for about 4 years and I like them. Yes, they do get caught up in the clothes/sheets and I lose a dryer ball periodically...then it will show up again later on in a corner somewhere. :happy I did not like how fabric softener makes things feel or smell, so I have no...
by Gnirk
Tue Nov 05, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Kaiser in Seattle/Tacoma?
Replies: 8
Views: 1094

Re: Kaiser in Seattle/Tacoma?

I was a member of Group Health Cooperative for 44 years (regular then Medicare Advantage) in Olympia, WA until Kaiser bought it and we were transitioned to Kaiser. Our doctors are very good and we can usually get care (in Olympia) within a reasonable time, though it may be with a PA or a different d...
by Gnirk
Thu Oct 31, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: paying foreign medical bill - after the fact:( back from vacation
Replies: 30
Views: 2994

Re: paying foreign medical bill - after the fact:( back from vacation

I know I'm just old fashioned, but I tend to look at a situation like this as "did the seller provide the service for which they sent me a bill?" So in this case, the Italian hospital did indeed provide service, and without knowing the details, the bill sounds reasonable. (Now if this involved a qu...
by Gnirk
Tue Oct 29, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4368

Re: Women wearing black to a wedding?

Wearing white to a wedding? No
Wearing black to a wedding? Yes, though many years ago it was considered a no-no.
In fact, I just attended a wedding where the bridesmaids wore beautiful black gowns, all different but all long and black.
by Gnirk
Mon Oct 28, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help Dad do estate planning math and make adjustments
Replies: 45
Views: 2595

Re: Help Dad do estate planning math and make adjustments

It appears daughter #1 has way too much influence on her dad. IMHO, if Dad can afford it, he should give daughters #2 and #3 gifts equal to what mom gave daughter #1. But that's just me. I try to always make things even between my daughters, unless there are special circumstances, and then it is dis...
by Gnirk
Mon Oct 28, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: is total dividend paid correct, or not?
Replies: 7
Views: 490

Re: is total dividend paid correct, or not?

I will check the previous dividend payments for this year.
The shares are held directly with USAA/Victory Capital.
by Gnirk
Mon Oct 28, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: is total dividend paid correct, or not?
Replies: 7
Views: 490

Re: is total dividend paid correct, or not?

I own 2077.871 share of USTEX. According to Morningstar and Yahoo Finance, the distribution per share for September 30th was .0368. I assume that when I multiply my number of shares (this number hasn't changed since I inherited them 5 years ago) times the distribution per share, the answer should e...
by Gnirk
Mon Oct 28, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: is total dividend paid correct, or not?
Replies: 7
Views: 490

is total dividend paid correct, or not?

I own 2077.871 share of USTEX. According to Morningstar and Yahoo Finance, the distribution per share for September 30th was .0368. I assume that when I multiply my number of shares (this number hasn't changed since I inherited them 5 years ago) times the distribution per share, the answer should eq...
by Gnirk
Sun Oct 27, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question
Replies: 18
Views: 2291

Re: Inheritance question

When my mom's estate was settled, the beneficiaries each received a K-1, detailing the income and expenses to the estate that had occurred since the day of my mother's death and the final settlement of the estate. In our case, there was a slight net loss. If there had been a net gain, each beneficia...
by Gnirk
Fri Oct 25, 2019 2:17 pm
Forum: Personal Investments
Topic: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.
Replies: 93
Views: 10830

Re: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.

We wanted to be debt-free long before retirement, so the house was paid off within two years of building it. Of course, this was before the low mortgage rates of the past years. Even after you get a tax deduction, you are still paying somebody interest.
by Gnirk
Fri Oct 25, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5171

Re: Who does your tax returns?

An independent CPA, who also did the tax returns for our business before we sold it.
by Gnirk
Wed Oct 23, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 104
Views: 9718

Re: Do you plan to actually spend down your portfolio?

The only reasons I withdraw from my portfolio is: Provide financial assistance to a child who has bipolar disorder, and as such as been unable to keep a job since diagnosed (before that had a stellar career). Periodic nice vacations. Otherwise, I don't withdraw from it because it is my self-insuranc...
by Gnirk
Tue Oct 22, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How many estimates do you get when you need work done on your house?
Replies: 43
Views: 2678

Re: How many estimates do you get when you need work done on your house?

We try to get referrals from people we know who have had the same type of work done. But we still get 2 or 3 estimates, depending upon the type of job. In all but one case, we have found that the personal referrals have turned out the best. Projects using referrals from others who have had the same ...
by Gnirk
Sat Oct 19, 2019 6:54 pm
Forum: Personal Investments
Topic: Taking/re-investing dividends in taxable
Replies: 2
Views: 396

Re: Taking/re-investing dividends in taxable

I think you will be fine either way. The majority of my investments are in a taxable account, and because I don't need them at this point, I simply reinvest the dividends and capital gains, either into the same fund or a different fund. My DH, on the other hand, has begun taking his dividends and ca...
by Gnirk
Wed Oct 16, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9952

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I currently have an Apple iPhone 8. I like the size, the easiness of using it, that it syncs with my other Apple products...mini iPad, and MacBook Pro. I find the Apple systems easier to use than the windows systems, which I used for many years before changing to the MacBook Pro. I'm probably not th...
by Gnirk
Tue Oct 15, 2019 8:03 pm
Forum: Personal Investments
Topic: USAA dividends question
Replies: 5
Views: 471

Re: USAA dividends question

When did you become the registered owner of the fund, meaning the dividend may be prorated unlike stock funds that pay in full to the ex-div owner. At Victory Capital: USAA Fund Investors 1-800-235-8396 8:30-9pm M-F, 9-6pm Sat (ET) I've been the registered owner since August, 2015; I never paid muc...
by Gnirk
Tue Oct 15, 2019 7:02 pm
Forum: Personal Investments
Topic: USAA dividends question
Replies: 5
Views: 471

Re: USAA dividends question

bradinsky wrote:
Tue Oct 15, 2019 6:40 pm
Is that the current number of shares you hold, or is that the number of shares held on 9/30?
The shares held on Sept. 30th. The number of shares doesn't change because I'm not reinvesting the dividends.
by Gnirk
Tue Oct 15, 2019 6:32 pm
Forum: Personal Investments
Topic: USAA dividends question
Replies: 5
Views: 471

USAA dividends question

I have one USAA fund that I inherited from my mother. The fund is USTEX. I hold 2077.871 shares, and distributions are in cash, not reinvested. According to Morningstar the distribution for Sept 30 was .0368. When I multiply the number of shares times the distribution per share, I get $76.47 . Howev...
by Gnirk
Tue Oct 15, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Home appraisal 8% less sq ft than listing
Replies: 42
Views: 2607

Re: Home appraisal square ft less than Seller Listing

Also note that assessor records reflect the square footage using outside measurements, not inside measurements. In some cases they may or may not include open staircases in the square footage.
by Gnirk
Mon Oct 14, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Recommendations for framing a large photograph
Replies: 12
Views: 923

Re: Recommendations for framing a large photograph

Part of our business before retirement included three very successful custom frame shops, and a good portion of our business was correcting a chain store’s framing. Archival framing is expensive, but if the photograph means anything to you, it’s worth it. Find an independent frame shop, find their ...
by Gnirk
Sun Oct 13, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Recommendations for framing a large photograph
Replies: 12
Views: 923

Re: Recommendations for framing a large photograph

Part of our business before retirement included three very successful custom frame shops, and a good portion of our business was correcting a chain store’s framing. Archival framing is expensive, but if the photograph means anything to you, it’s worth it. Find an independent frame shop, find their l...
by Gnirk
Fri Oct 11, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Social Security COLA will be 1.6%
Replies: 13
Views: 2101

Re: 2020 Social Security COLA will be 1.6%

fru-gal wrote:
Fri Oct 11, 2019 1:49 pm
Then the Medicare premiums increase...
Yep.
by Gnirk
Fri Oct 11, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 93
Views: 7604

Re: Vanguard keeps pushing their financial advisors...why?

I guess we should consider ourselves lucky: we've received no email from Vanguard soliciting for their PAS. I hope it stays that way!
by Gnirk
Thu Oct 10, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Rate drops to 1.8%
Replies: 43
Views: 6241

Re: Ally Savings Rate drops to 1.8%

Not switching as they have been very easy to work with. I did move some of my savings to the no-penalty CD.
by Gnirk
Wed Oct 09, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9493

Re: Do you carry your passport with you during international travel?

I leave it in the safe of wherever I am staying. I carry my DL with me for photo id.
by Gnirk
Tue Oct 08, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 3013

Re: POA Reimbursement

I reimbursed myself for anything I purchased directly for her use......I kept a monthly spreadsheet of all expenses and income.... Not quite understanding why you did it this way. Maybe the laws in Wash state are different? How did you reimburse yourself, by writing out checks payable to you? Here,...
by Gnirk
Tue Oct 08, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 3013

Re: POA Reimbursement

What does the POA say about reimbursements? I was POA for my mom with dementia. She also was in a care home for 8 years and I was responsible for managing her health care, doctor's appointments, purchasing her clothing and depends, and all financial matters. I reimbursed myself for anything I purcha...
by Gnirk
Fri Oct 04, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16239

Re: What is your plan for the last few years of a long life?

My plan is to have a healthy mind as long as I live. I hope that I have a healthy body to go along with it. That's not a plan, that's a hope. But I'm sure you know that ...... It's not just a hope. There is research on brain health and longevity that shows positive impact of caloric restriction, fa...
by Gnirk
Thu Oct 03, 2019 9:26 pm
Forum: Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 59
Views: 27789

Re: Vanguard: Transition to our new investment platform

If you have trading authority for other family members accounts under the current platform, that doesn’t transition to the new brokerage platform and you will need to complete all the forms again and submit them, Also, my daughters accounts are currently included as part of our family accounts so th...
by Gnirk
Wed Oct 02, 2019 9:17 am
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9694

Re: Retirees - do you hold extra cash for a bear market?

My conservative AA calls for 35% equities, 55% bonds, 10% cash/CD's; bonds are mostly muni funds because over 90% of my portfolio is taxable.
Currently, it is 38%/ 53%/ 9% with no plans to rebalance unless equities drift above 40% or below 30%. I sleep well at night. Age 75, retired 12 years.
by Gnirk
Wed Oct 02, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Luxury condo
Replies: 56
Views: 4881

Re: Luxury condo

Hi everyone, I have my eye on a luxury condo. It is *just about* everything I ever wanted in a living space, with a "million-dollar" skyline view. Something to think about: That million dollar skyline view may disappear someday if there is the possibility of another building going up in front of it...
by Gnirk
Tue Oct 01, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: FYI, Spanish bank ATMs [Dynamic Currency Conversion]
Replies: 64
Views: 4492

Re: FYI, Spanish bank ATMs

A big "thank you" to the OP for posting this. I just returned from Avignon, France, and when I used the BNP Paraibus ATM, it displayed a conversion amount and consent as" Yes" or "No". If it hadn't been for this posting, I would not have known to select "no". It was an 11% difference, or double the ...
by Gnirk
Sun Sep 29, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: COSTCO Citicard credit/discount question
Replies: 32
Views: 3728

Re: COSTCO Citicard credit/discount question

We get Costco cash cards with our rebate check, usually $100 each. This way we can use them or give them as gifts. Our rebates are $500-$600 each year.
by Gnirk
Sat Sep 28, 2019 12:06 am
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13549

Re: Personal Flagship Representaive Going Away

I also checked my Vanguard page, and found I have a new Flagship rep assigned to me. Her photo and extension are displayed on my page. And my DH has the same new rep on his page. Checked her profile on LinkedIn: She's been with Vanguard for 6 years, and prior to that she was a stage manager and oper...
by Gnirk
Fri Sep 27, 2019 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Half of Retirees Afraid to Use Savings
Replies: 111
Views: 12708

Re: Half of Retirees Afraid to Use Savings

My DH continues to be extremely frugal except when it comes to cars, even though he has no need to be, because he wants to leave a legacy to his kids! When we travel internationally, I pay for the both of us to fly business class, and he complains because he says it's way too much money and he'd be ...
by Gnirk
Thu Sep 26, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Half of Retirees Afraid to Use Savings
Replies: 111
Views: 12708

Re: Half of Retirees Afraid to Use Savings

I don't spend much of my retirement savings...perhaps a half % per year, on average, in addition to a small cola'd pension and small social security. This year I splurged on a river cruise in southern France for DH, me, and my two daughters to celebrate a milestone birthday. One of the reasons I am ...
by Gnirk
Thu Sep 26, 2019 4:38 am
Forum: Personal Finance (Not Investing)
Topic: College Student Internships
Replies: 45
Views: 2273

Re: College Student Internships

Our Granddaughter had a full-time internship between her junior and senior year that paid $4,500 per month. However, she got it through a recommendation from one of her customers whose husband worked at a smaller tech company ( granddaughter worked retail part-time at Nordstrom while attending colle...
by Gnirk
Sat Sep 14, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3230

Re: What dish soap do you use?

I use the blue Dawn. It's also great for getting oily spill spots (like salad dressing, gravy, etc) out of everyday clothing. Spot treat, rinse, and then throw into the washing machine.
by Gnirk
Thu Sep 12, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Helping elderly parents manage finances - pros and cons
Replies: 62
Views: 5194

Re: Helping elderly parents manage finances - pros and cons

Personally, I think it's wonderful that you helped your inlaws, and your mother. As others have posted, my concerns would be if she becomes suspicious of your actions. And I would be concerned about unread statements, etc being put in drawers. Since you appear to have set up automatic payments for m...
by Gnirk
Mon Sep 09, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: When do you start gifting the max to your family members? When is enough NW totally enough?
Replies: 80
Views: 9671

Re: When do you start gifting the max to your family members? When is enough NW totally enough?

TomatoTomahto wrote:
Mon Sep 09, 2019 1:01 pm
Gnirk wrote:
Mon Sep 09, 2019 12:52 pm
We feel blessed that we are in a financial position to help our adult child.
And blessed to have raised a thoughtful older daughter. Let’s hope that the treatments for mental illness continue to improve.
Thank you; we are.
by Gnirk
Mon Sep 09, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: When do you start gifting the max to your family members? When is enough NW totally enough?
Replies: 80
Views: 9671

Re: When do you start gifting the max to your family members? When is enough NW totally enough?

Sometimes gifting to family members is the result of necessity and unfortunate circumstances. My ex-husband, oldest daughter, and I currently gift monthly to our youngest daughter, who struggles with employment since she was diagnosed with severe bi-polar disorder 7 years ago. Prior to her first hor...