Search found 898 matches

by Gnirk
Sun Feb 17, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Apartment through booking.com in Paris and cash payment
Replies: 14
Views: 709

Re: Apartment through booking.com in Paris and cash payment

Have you thought of booking through VRBO/Homeaway? I've never booked anything through Hotel.com.; I've always used VRBO, or Homeaway. We booked a 2 bedroom/ 2 bath apartment in Paris in fall of 2016 through VRBO/ Homeaway. Being 4 ladies in our 70's, we required a building with an elevator....not al...
by Gnirk
Sat Feb 16, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care issues -- quality, accessibility, and tail risk
Replies: 58
Views: 2355

Re: Long term care issues -- quality, accessibility, and tail risk

Just a thought, having managed my mom’s care, and finances, for 12 years as she progressed through Alzheimer’s. Does your mother require skilled nursing, or does she need care for being unable to care for herself? Specifically, feeding, toileting, bathing, medication, ambulation? I ask this because ...
by Gnirk
Fri Feb 15, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you tell your beneficiaries?
Replies: 69
Views: 4126

Re: Do you tell your beneficiaries?

My 2 daughters are my beneficiaries, and know they are and on which accounts they are beneficiaries. They have no clue how much, however. I just tell them they will inherit 50-50 of whatever , if anything, is "left over". They, in turn, have told me that the best gift I can give them is to have enou...
by Gnirk
Wed Feb 13, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Wife has accumulated $90K in debt - Advice sought...
Replies: 42
Views: 5459

Re: Wife has accumulated $90K in debt - Advice sought...

My SIL did the same thing about 10 years ago, but no talk of divorce. House was mortgage free, they took out a mortgage to pay off the debt, mortgage payments came directly out of SIL’s paychecks. Credit cards closed, and she was allowed one cc which my brother monitored. They’ve been married 35 yea...
by Gnirk
Wed Feb 13, 2019 12:43 am
Forum: Investing - Theory, News & General
Topic: What Is Your Favorite Bogle Quote?
Replies: 48
Views: 2614

Re: What Is Your Favorite Bogle Quote?

Pete12 wrote:
Mon Feb 11, 2019 9:32 pm
“Don’t do something...just stand there!”
Also my favorite quote, that I sometimes need to repeat to myself.
by Gnirk
Sun Feb 10, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 5649

Re: Did you investigate your partner's financial background before committing?

:thumbsup
runner3081 wrote:
Sun Feb 10, 2019 1:30 pm
Yes, STD screening, criminal background and financial credit checks.

We did those things mutually, wasn't one way.

This is a life long commitment (well, 50% of them are), why wouldn't you?
:thumbsup
by Gnirk
Sun Feb 10, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 5649

Re: Did you investigate your partner's financial background before committing?

Well, we dated for 11 years before we got married, so there were no ugly surprises. I think it’s extremely important to know as much as possible about your SO, including financial information.
by Gnirk
Sun Feb 10, 2019 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Exiting from a timeshare
Replies: 4
Views: 971

Re: Exiting from a timeshare

We "sold" our 2 long-time-owned timeshares through Resort Closings in Montana. We didn't receive any money from the transfers, but it didn't cost us anything, either. They were very professional, although it took a bit longer than we thought. BTW, we originally bought them on the secondary market, s...
by Gnirk
Sat Feb 09, 2019 8:27 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 97
Views: 8692

Re: Ally Bank's nightmarish online reviews -- should I be worried?

My DH and I stash most of our liquid assets at Ally. We find it very convenient to be able to transfer funds quickly between our Credit Union checking accounts, and our various investment accounts. Transfers are quick, and so far we've never had an issue in the past 8 years. As we get older, we find...
by Gnirk
Wed Feb 06, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 2753

Re: Employer wants to borrow $50k

RUN as fast as you can. Because: A). it's highly likely you won't get the money back. B). If the cash flow issue is bad now, chances are it will only get worse. C). And who knows if this guy has paid his taxes? (IRS has first lien, I believe). My DH owned his own business, and was part of a buying g...
by Gnirk
Mon Feb 04, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Concerned about Alzheimers, how do you plan for LTC?
Replies: 80
Views: 5497

Re: Concerned about Alzheimers, how do you plan for LTC?

An obvious question I didn't ask -- what do the families think of their decision to move their loved one into a facility after the move has been made? The short answer is there is a mix of emotions. Relief, guilt, sadness, hope. By the time it gets to this point many families have simply exhausted ...
by Gnirk
Mon Feb 04, 2019 2:04 am
Forum: Personal Finance (Not Investing)
Topic: Concerned about Alzheimers, how do you plan for LTC?
Replies: 80
Views: 5497

Re: Concerned about Alzheimers, how do you plan for LTC?

I think of this possibility more often than I’d like because of family history. Two of my great aunts lived for over 20 years with Alzheimer’s - one to 103 and the other to 105. And my mom lived with it for over 12 years,8 years in a care home, to age 90. All three were well cared for in licensed pr...
by Gnirk
Fri Feb 01, 2019 1:13 am
Forum: Personal Consumer Issues
Topic: Connect cell phone to house line
Replies: 26
Views: 2043

Re: Connect cell phone to house line

We have had a Panasonic set that connects to our cell phones through Bluetooth. We’ve had the set for five years, and find that the voice quality is not nearly as good as it had been. It’s handy for answering the phone without running to wherever our cell phones might be, but I always end up calling...
by Gnirk
Thu Jan 31, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 145
Views: 8125

Re: Were you 100% debt free at retirement

Yes we were..
by Gnirk
Wed Jan 30, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21236

Re: Why doesn't a lot of money feel like a lot of money?

For us, it’s because our pot of money ( investments, nearly all taxable) is what we have to live on for the rest of our lives. We definitely live below our means, but that is because the future is unknown. Disasters can happen, in the financial markets and health wise. My family has a history of Alz...
by Gnirk
Thu Jan 24, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 15786

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

My investment accounts pass equally to my children, his go to his children. If any beneficiary contests the will(s), they get nothing. Hopefully, this will prevent any horror stories. I'm sure you know this, but your investment accounts will pass to your children as named beneficiaries regardless o...
by Gnirk
Wed Jan 23, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 15786

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

Second marriage of 24 years, each of us have 2 children from our previous marriage. We have kept our investments separate, and the only assets we hold jointly are our primary home, our snowbird home, our cars and individual joint checking accounts. Our wills leave the homes and furnishings, cars and...
by Gnirk
Sun Jan 20, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Henderson, Nevada ?
Replies: 17
Views: 1653

Re: Henderson, Nevada ?

Henderson, and the greater Las Vegas area is one of the fastest growing area in the U.S. Have friends who live there, and we''ve visited several times. Many new homes, many new businesses. Personally, it wouldn't be my choice to live there primarily because I prefer to stay close to family in Washin...
by Gnirk
Sun Jan 20, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6598

Re: Paying thousands per ticket to attend the NFL Super Bowl?

Although we had season tickets from their first season forward, for many, many years for our home team, I had no interest in going to the Super Bowl when they played. The best seat in the house was in my family room. No parking problems, no crowds, no drunks sitting behind us spilling beer on us (ev...
by Gnirk
Sun Jan 20, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8141

Re: What is a Boglehead funeral/burial?

Burial at sea. I looked into that for my navy veteran (WWII) spouse when the time comes. The navy provides a burial of either the entire body or cremains for their own. You have to deliver the product to the port. Burial at sea from a ferry is not uncommon in the Seattle area (note intact body not ...
by Gnirk
Sun Jan 20, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8141

Re: What is a Boglehead funeral/burial?

Either donate to medical science, or direct cremation with a memorial later. My parents bought 4 cemetery plots when they were in their 20's ($5 per month payment plan), and each plot can take 2 urns. Our plan: direct cremation, inurnment in the cemetery plots, and celebration of life afterwards for...
by Gnirk
Thu Jan 17, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: New dishwasher recommendations?
Replies: 14
Views: 911

Re: New dishwasher recommendations?

We just bought a Kitchenaid, model KDFE 104HWHO in white to replace our 24 yo Kitchenaid that finally croaked. I researched a lot of brands, and narrowed it down to Bosch 800 series and Kitchenaid. The Bosch was too tall to fit, and now I’m happy it didn’t fit because we love the new Kitchenaid. BTW...
by Gnirk
Wed Jan 16, 2019 10:27 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49223

Re: John Bogle has died at age 89

R.I.P. Mr Bogle. And thank you for saving my financial life.
by Gnirk
Wed Jan 16, 2019 10:25 pm
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 45
Views: 5472

Re: The Worth Of A Man: A Tribute To John C. Bogle

R.I.P. Mr Bogle. And thank you for saving my financial life.
by Gnirk
Wed Jan 16, 2019 3:09 pm
Forum: Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16777

Re: Why are your NOT buying rental properties?

Because I don't want to be a landlord.
by Gnirk
Sun Jan 06, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8387

Re: What Do You Spend The Most On Annually?

Taxes and insurance.
by Gnirk
Sun Jan 06, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take inheritance into account when calculating net worth?
Replies: 68
Views: 4563

Re: Do you take inheritance into account when calculating net worth?

No....because it isn't YOURS, yet. And may never be because you never know what might happen.
by Gnirk
Sun Dec 30, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Father with Dementia Took a Full IRA Distribution
Replies: 56
Views: 5515

Re: Father with Dementia Took a Full IRA Distribution

Re: paying for home hospice: In my mom’s case, also dementia, hospice was paid for by Medicare. Not dependent on either income or assets, only dependent on physical needs and medical outlook.
by Gnirk
Tue Dec 25, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 58979

Re: What NON frugal thing did you do today?

Served both a roast organic turkey AND honey-baked ham for dinner tonight.
by Gnirk
Tue Dec 18, 2018 2:14 pm
Forum: Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13278

Re: Is anyone's portfolio not tanking???

Retired for 12 years, and I must admit it is much more fun to see our portfolio "go up", than "go down"! Yes, we're down from the first of the year, and really down from the peak. My very conservative portfolio is down 3% from the first of the year, and my DH is down about 6%. I'm comfortable with m...
by Gnirk
Mon Dec 17, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8295

Re: When has being frugal or cheaping out bit you in the rear?

When my husband decided to use a coupon for a plumber/rooter service to fix a pinhole leak in an easily accessible copper pipe from our water heater, instead of using a reliable plumber we had used before. It ended up costing him $350 for a 30-minute job! When I asked the guy what it would cost to c...
by Gnirk
Thu Dec 13, 2018 1:41 am
Forum: Personal Investments
Topic: Any way to display the old design on the Vanguard website?
Replies: 16
Views: 1358

Re: Any way to display the old design on the Vanguard website?

I hate the new design. It displays much less information, there is no “print this page” option. Yep, I hate it. Ugh. Why did they try to fix something that wasn’t broken?
New is not always better.
by Gnirk
Mon Dec 10, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: How will 80k inheritance affect medicaid, section 8, food stamp eligibility in PA?
Replies: 26
Views: 2996

Re: How will 80k inheritance affect medicaid, section 8, food stamp eligibility in PA?

See an elder law attorney, and perhaps talk about setting up a special needs trust, if that is appropriate for her case.
by Gnirk
Thu Dec 06, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22493

Re: What are others paying for property taxes around the US?

I guess I should stop complaining about our regressive property tax system. Western Washington (the state) about 60 miles south of Seattle; we pay a little over $7,000 per year on a 1994 built 2800 SF house with 1200 Ft attached garage, on a good golf course, gated neighborhood. House market value a...
by Gnirk
Mon Dec 03, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21184

Re: Best values at Costco? Honestly, a little disappointed...

Hikes_With_Dogs wrote:
Mon Dec 03, 2018 11:52 am
I'm surprised. I'm in the Seattle area and the fruit and veg price at our Costco almost always beats a supermarket price.
:thumbsup :thumbsup
by Gnirk
Sun Dec 02, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21184

Re: Best values at Costco? Honestly, a little disappointed...

I purchase paper towels, toilet paper , outdoor and indoor garbage bags, laundry detergent, dish detergent, organic eggs, organic spinach, organic spring mix, organic hummus( box of individual portions), flash frozen pacific cod, Alaska sockeye salmon, whole organic chickens( pack of two), organic g...
by Gnirk
Sun Dec 02, 2018 12:53 am
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3139

Re: Has anyone on this board painted over wallpaper?

Yes, I have, many years ago. And I would never do it again.
by Gnirk
Wed Nov 28, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5918

Re: List of costs that go away/decrease and increase/appear in retirement

Costs that have gone away: Commute costs ( our business was 35 miles away from our home). Clothing...no more dressy clothes. Dry cleaning. Lunches out. Costs that have increased: Health Care. Travel. Hobbies. Dinners out. Hiring help for yard work, repairs, and some cleaning that we are no longer ph...
by Gnirk
Mon Nov 26, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Borrowers Are Tapping Their Homes for Cash, Even as Rates Rise
Replies: 14
Views: 2565

Re: Borrowers Are Tapping Their Homes for Cash, Even as Rates Rise

Nissanzx1 wrote:
Sun Nov 25, 2018 11:17 pm
They will never learn I'm afraid. It's not a piggy bank...
Sad, but true.
by Gnirk
Sat Nov 24, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5609

Re: What’s your “barometer” for luxury purchases?

The older I get, the less interested I am in acquiring "luxury" goods of any kind, even though I can "afford" it. I will, however, go for quality, which isn't always reflected in price. For clothing, I look for quality materials and construction. In other words, I prefer cotton, silk, and wool to ma...
by Gnirk
Wed Nov 21, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15355

Re: Black Friday 2018

Nothing. I’ve never shopped on Black Friday. And don’t intend to.
by Gnirk
Wed Nov 21, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for International Travel
Replies: 67
Views: 6741

Re: Credit Card for International Travel

I use my Capital One Venture card for charges. No annual fee, no foreign transaction fee. For cash from ATMs, I set up a Capital One 360 debit card/account and use the BNP Paraibus ATMs, no surcharge ( this was in 2016). You can check their website for the surcharge free ATMs. I maintain a balance i...
by Gnirk
Tue Nov 20, 2018 12:53 am
Forum: Personal Consumer Issues
Topic: Good oil for cooking and salad?
Replies: 38
Views: 2504

Re: Good oil for cooking and salad?

Avocado oil for both.
by Gnirk
Mon Nov 19, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 5994

Re: The psychology of withdrawing from your portfolio

Oh, yes. Psychologically very difficult. I have a small IRA ( less than 10% of my investments) and I don’t mind taking the RMDs. However, I have a very difficult time withdrawing from my taxable account. I only take from taxable if I need to replace a dishwasher, for example, or if I want to do some...
by Gnirk
Sun Nov 18, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 5043

Re: When is Too Long to Return a Hair Dryer to Costco?

You wouldn’t believe what some people return to Costco, some of which I think is pure abuse of their policy, including filthy, stained mattresses ( disgustingly so) worn out clothing that had obviously been abused, and half-empty bottles of liquor!
by Gnirk
Wed Nov 14, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7439

Re: Are you all staying the course?

Yes. Weve been retired for 11 years and we’re staying the course. I’m comfortable with my allocation, and DH is comfortable with his. Although neither of us enjoys seeing market declines.
by Gnirk
Sun Nov 11, 2018 12:46 am
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 39
Views: 5363

Re: USAA getting out of mutual fund biz

Hmmm. I inherited shares of their tax exempt funds, and have kept them at USAA. I also inherited Vanguard funds held at Vanguard. As the executor of the estate I found USAA to be far better, faster, and more courteous in handling the transition of the accounts to the beneficiaries than Vanguard was...
by Gnirk
Sat Nov 10, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 39
Views: 5363

Re: USAA getting out of mutual fund biz

Hmmm. I inherited shares of their tax exempt funds, and have kept them at USAA. I also inherited Vanguard funds held at Vanguard. As the executor of the estate I found USAA to be far better, faster, and more courteous in handling the transition of the accounts to the beneficiaries than Vanguard was....
by Gnirk
Thu Nov 08, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Anyone here retire in two homes
Replies: 24
Views: 3138

Re: Anyone here retire in two homes

We’ve had two homes for 20 years. We kept our primary home in the Puget Sound area, and bought a much smaller home in an over 55 community in the Palm Springs area, to escape the wet, dreary northwest winters. Both of our homes are in gated communities, so we feel fairly comfortable leaving them for...