Search found 834 matches

by Gnirk
Tue Sep 18, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1472

Re: Inexpensive source for greeting cards?

We've found that Dollar Tree has nice greeting cards for $1.00
by Gnirk
Mon Sep 17, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: Equity allocation for Flagship clients?
Replies: 47
Views: 3735

Re: Equity allocation for Flagship clients?

I would like to take more risk, and have a higher allocation to equities than my current 38%. But I have a history of Alzheimer's in my family, so I am reluctant to increase my risk because i may end up spending a lot on long term care. Great-aunts with AD lived 20+ years each, and mom lived 12. Tha...
by Gnirk
Mon Sep 17, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 2905

Re: are iPad Minis obsolete?

I bought my iPad mini a few years ago and use it daily. I had planned to get an iPad, but didn't like the size or weight. I picked up the mini and loved it. I also bought the keypad for it and am still surprised how easy it was to adapt to the tiny keys. I'll be very disappointed if it's discontinu...
by Gnirk
Sun Sep 16, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 22
Views: 2517

Re: How to get financially ready for death of parent

As others have said, be certain she has her legal documents in order: Will, Durable power of attorney (with both a primary and a secondary named), living will or health care directive. Have her make up a list of the following: Financial and bank accounts, the primary contact and phone number for the...
by Gnirk
Tue Sep 11, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 44
Views: 3601

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

We’ve owned Mercedes, Lexus, and Acura. Mercedes maintenance is high cost. Acura was okay. The Lexus 430 had the smoothest, most comfortable ride, routine maintenance was reasonable, never had any issues with it and it was a great road car.
by Gnirk
Thu Sep 06, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8101

Re: Scaring the Old Folks

Briefly, while working we had commute costs, business wardrobe and dry-cleaning expenses, saving for retirement, and payroll taxes. in retirement we have increased leisure time, which for us means more travel expenses, more hobby expenses, and more eating out. And as we age, higher healthcare expens...
by Gnirk
Thu Sep 06, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2076

Re: Phone Calls from Windows saying computer has Malware

I've received these calls. it's a scam. How do i know? I use Apple products, no windows products.
BTW, a non-tech savvy friend fell for this scam, and allowed the caller to access his computer. He had to pay $1,500 in ransom. True story.
by Gnirk
Wed Sep 05, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Need suggestion for firm foam mattress
Replies: 19
Views: 1697

Re: Need suggestion for firm foam mattress

My daughter bought a Zenhaven Queen mattress (around $2K), it's latex and has a firmer side and a softer side. She had them put the softer side up, and it's very comfortable for me, and I prefer a firm mattress with just a bit of cushion for my old bones. If my Beautyrest firm mattress ever wears ou...
by Gnirk
Wed Sep 05, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5796

Re: Elderly (innocent) relative received this horrible email

I received the same email. At first I was shocked, and then I laughed! I knew it was a scam because I'm the only one who uses my computer, and I don't troll porn sites. I found it's a pretty common scam. It was an old password, but I immediately changed all of my passwords, just to be safe. I simply...
by Gnirk
Tue Sep 04, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3290
Views: 994954

Re: What Book Are You Currently Reading? Part VI

I just started The Lost Order by Steve Berry. I think I'm going to enjoy this read.
by Gnirk
Sun Sep 02, 2018 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: [Have medical issue - How should I change my investment strategy?]
Replies: 11
Views: 1160

Re: [Have medical issue - How should I change my investment strategy?]

To the OP: My 79 y/o DH has had gout for many years, takes daily medication for it, and he hasn't changed his investment strategy at all.
by Gnirk
Sun Sep 02, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: NYT - Caring for Aging Parents, With an Eye on the Broker Handling Their Savings
Replies: 26
Views: 2465

Re: Daughter discovers JP Morgan Churning Parents' retirement account

Similar thing happened to my mom, who was in the early stage of ALzheimer's. Her long-time advisor who was with WAMU, whom mom only used to purchase individual muni bonds, and maintain a muni ladder (which was appropriate for her) convinced my mom to transfer all of her Vanguard funds to WAMU. The a...
by Gnirk
Sat Sep 01, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medical liability claim settlement. What is fair?
Replies: 40
Views: 2567

Re: Medical liability claim settlement. What is fair?

SimonJester wrote:
Sat Sep 01, 2018 3:26 pm
Morally the pain and suffering money goes to your daughter. I would explain to your daughter she should set aside the money in case of future medical issues resulting from the injury.
+1
by Gnirk
Sat Sep 01, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3836

Re: The twenty dollar rule

Grt2bOutdoors wrote:
Sat Sep 01, 2018 2:37 pm

Did you see the recent thread on bras in Consumer section of the forum? Get ready for a real shock, if you think $20 is going to bust the budget.
:D :D :D Good One!
by Gnirk
Wed Aug 29, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?
Replies: 30
Views: 3555

Re: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?

Skilled nursing facilities and memory care facilities vary as to whether or not they accept Medicaid. Some only accept after a period of private pay. In our area, there can be a distinct difference between those who have a large number of Medicaid beds and those with fewer, just as there are differe...
by Gnirk
Wed Aug 29, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 4369

Re: Chipotle question

Well........I always order the kids tacos. I get a lot of food, more than enough for two tacos, for less than $5.00. Two tortillas OR two crisp taco shells, plus three choices. I choose the pork, black beans and cheese. You also get chips( if you want), juice and a little mandarin orange. And they d...
by Gnirk
Tue Aug 28, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Stay away from Non Traded Reits?
Replies: 23
Views: 1773

Re: Stay away from Non Traded Reits?

I would never, ever invest in non-traded REITS, after my experience with them. My mother inherited shares of 2 non-traded REITS from an Aunt who died intestate in 1982. Her estate was not settled until 4 years later, largely because: A. The REITS were illiquid and couldn't be sold B. None of the 8 H...
by Gnirk
Thu Aug 23, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for a Generous Grandparent?
Replies: 53
Views: 4300

Re: Suggestions for a Generous Grandparent?

My husband generously funded his grandchildren's 529 programs with equal amounts. One family decided to invest in the guaranteed tuition program for their state, the other in a 529 of stocks, bonds. It's now up to the parents/future college students to fill in the financial gaps for college expenses...
by Gnirk
Wed Aug 22, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 5385

Re: What kind of medical events that may ruin your retirement?

Pro tip: Prevention does very little. If you're a non-smoker, exercise daily, and are at a reasonable BMI, all the screening in the world won't get you much. So one can't "outsmart" the need for insurance simply by being proactive. Medical events that can ruin retirement? Case in point: My mom: Nev...
by Gnirk
Tue Aug 21, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 6309

Re: Co-habitation agreement - ??

I don't think a year is long enough to really know someone, much less have them move in with you. As another poster said, has anyone done a background check on him, both personal and financial? What if they break up? It may be very difficult to get him to move out, as others have said. And the fact ...
by Gnirk
Sun Aug 19, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14890

Re: The Fall of Consumer Reports

Consumer Reports has alway been my primary guide when making large purchases. I transitioned from their print edition to their online service. Call me crazy, but because I value their independence, I also donate $50 per year to them.
by Gnirk
Sun Aug 19, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 5385

Re: What kind of medical events that may ruin your retirement?

Sad story, BIL retired, no medical insurance because he was very healthy and figured he’d wait until Medicare. Diagnosed at 63 with Gioblastoma ( nasty, aggressive brain cancer). Had to declare bankruptcy due to $million plus medical bills, and passed away before he was eligible for Medicare. Wife e...
by Gnirk
Sat Aug 18, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 3825

Re: Sheraton Kauai timeshare

We've done this quite often in the past, but only if our time was worth the "gift". However, don't plan on it being "only 90 minutes"!! In our experience, to get out of there in 90 minutes required us to be, in my opinion, rude. And we normally aren't rude people.
by Gnirk
Wed Aug 15, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 45
Views: 3050

Re: Seattle- mandatory affordable housing units affect single family home values?

More than likely she or her realtor would be required to disclose this information to any potential buyer. Not in my experience. It's up to the buyer to do their own research, especially if you are looking at a house near a lovely field or even a vacant lot, and you have a view when you look throug...
by Gnirk
Tue Aug 14, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3446

Re: Best consumer products - made in USA

As previously noted, Darn Tough Socks. Also, my All Clad pots and pans were (hopefully still are) manufactured here. And the best loppers I've ever had are manufactured in the US. The manufacturer is Florian, and they're out of stock right now. :annoyed And don't forget New Balance shoes. And Washin...
by Gnirk
Tue Aug 14, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4707

Re: Adult piggy bank

Although I use a credit card for nearly everything, I still do some purchases in cash. So I have change. I use a large glass block, the kind they sell in craft stores that is open on one end. My CU has a coin star that has no charge for CU members, and i just cashed in $97 worth of coins. It's my "m...
by Gnirk
Mon Aug 13, 2018 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 2104

Re: Vanguard updated 1099 in August!

Welcome to the club! I received a corrected 1099 from Vanguard in July, and then another one in August, which “undid” the changes that were on the July 1099.
Annoying as heck. :annoyed :annoyed :annoyed
by Gnirk
Sun Aug 12, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 2096

Re: Joint checking accounts.

We each have a Credit Union checking account on which we are the primary account holder, but they are both joint accounts. His income is directly deposited into his primary account, and my income into mine. The bills I’m responsible for are paid from my account, and his are paid from his account. Be...
by Gnirk
Thu Aug 09, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12573

Re: Joint Ownership of home with second wife

Even though my DH and I keep our finances separate we are financially compatible......and that is really important, in my opinion. We dated for 11 years before marrying, so we wouldn’t need to worry about raising each other’s children. We married as soon as my youngest was about to graduate from col...
by Gnirk
Thu Aug 09, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2225

Re: Do Airlines measure checked baggages?

Alaska has recently changed the allowed size of carry-on baggage to meet the same standards as other airlines, and if the suitcase looks larger than allowed, you must fit it into the box they have to measure carry-on bags. Mine now is 1/2" too long, and I had to check it. I was told it was FAA rules...
by Gnirk
Thu Aug 09, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9760

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Absolutely! We don't leave home without it (at least for international travel). We took out our first "trip insurance" in 2010 before we embarked on a 10-day cruise from NY to Montreal. The reason was that my husband had previous medical issues, and even though I (thought I) was perfectly healthy, M...
by Gnirk
Mon Aug 06, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15450

Re: Will you pay for your kids' college/graduate education?

My Dh and I each paid for our kids college expenses, or at least most of them. The kids had to work part-time while attending university. All graduated debt-free. Now, DH is helping to pay all four granddaughters' college expenses. The two currently in college also work part-time, and one was able t...
by Gnirk
Sat Aug 04, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11918

Re: 3 Levels of Wealth

We are at level 3, but live like we are at Level 1.
by Gnirk
Sat Aug 04, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Costco auto buying service is USELESS!
Replies: 43
Views: 27014

Re: Costco auto buying service is USELESS!

We used the Costco program to purchase a top of the line Toyota Highlander in 2011, and the price was less than at any other dealer, and we didn't pay for any of the non-requested items that were already on the vehicle. However, this dealer no longer participates in the Costco program. However, we h...
by Gnirk
Thu Aug 02, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4855

Re: Which diet soda pop do you enjoy?

Sparkling ICE - I like the flavor that everyone else must like, because it's the first on the shelf to run out: Pink Grapefruit. Citric acid (not phosphoric) and sucralose to sweeten. Diet Coke in mini cans - just the right size. Not truly a diet soda, but Spindrift's Black Raspberry/Lime is 15 cal...
by Gnirk
Thu Aug 02, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4855

Re: Which diet soda pop do you enjoy?

Even though I know I shouldn't be consuming artificial sweeteners (and can't have sugar), I absolutely LOVE Bedford's Diet Ginger Beer, brewed in Port Angeles, Washington. My first really gingery-bitey ginger beer was Maine Root, but this is just as good and comes in a sugar-free version. I like the...
by Gnirk
Tue Jul 31, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: If History says.... would you change 4% rule ?
Replies: 27
Views: 2819

Re: If History says.... would you change 4% rule ?

Pajamas wrote:
Tue Jul 31, 2018 11:42 am
No, my spending is based on my needs and wants, not on how much money I have available to spend. I'm fine with having extra money available that I won't use. I much prefer that to needing money that I don't have.
+1
by Gnirk
Tue Jul 31, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12573

Re: Joint Ownership of home with second wife

My husband and I dated for 11 years before marrying, until all of his children and mine had graduated from college. At that point, I moved into "his" house that he had built the year before our marriage, though i was very active in the planning. His assets and income potential were far greater than ...
by Gnirk
Sun Jul 29, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Expenses
Replies: 30
Views: 2183

Re: Assisted Living Expenses

In Washington State, and other states, there are alternatives to the large assisted living facilities, which usually give more personalized care at, often, a lower cost than some of the larger facilities who tack on a fee for each level of assistance. Here they are called Adult Family Homes and are ...
by Gnirk
Thu Jul 26, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance and order of deaths
Replies: 49
Views: 3046

Re: Inheritance and order of deaths

Trying to make everything square to the penny with everybody is impossible and probably not fair (or I guess the preferred term is "equitable") anyway. My wife's mother passed away last year. My wife spent countless hours, easily full time for six months, sorting out her mother's affairs. Not to me...
by Gnirk
Wed Jul 25, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 140
Views: 17699

Re: Vanguard - You'll need to sign up for security codes soon

I like the idea of a security code. Currently I have our accounts set up so that if I log on from a different device a code is sent to my cell phone. My DH won't use computers, so I am an authorized user for his accounts. I have everything set up to be notified at my cell number. Whenever there is a...
by Gnirk
Wed Jul 25, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and order of deaths
Replies: 49
Views: 3046

Re: Inheritance and order of deaths

In our case, my mother was A, my brother and I were B and C, and grandchildren were D, E, F, G. My mother left her estate equally between B and C, and then per stirpes. Since neither B nor C had predeceased A, no inheritance was left to D, E, F, or G. She had told my brother and I that she wasn't le...
by Gnirk
Mon Jul 23, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 3762

Re: Guilt at buying nice things for myself

As long as you are meeting your savings/investing goals, and aren’t going into debt, it’s fine to indulge in a few nice things, guilt-free. I’m in my seventies, and can afford to buy myself nice things. But guess what? Old habits die hard, and I just can’t do it. I do, however, spend money on travel...
by Gnirk
Sun Jul 22, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Giving money to adult kids
Replies: 23
Views: 3897

Re: Giving money to adult kids

livesoft wrote:
Sun Jul 22, 2018 9:07 pm
Joint accounts with your children (or anybody else) expose your assets to the creditors of those people. I don't think it is a good idea to have a joint account in this situation.
+1
by Gnirk
Mon Jul 16, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7472

Re: Anyone not have a Budget?

Retired since 2007ish, I don't have a written budget, but I'm always aware of my spending, vs my income. When I was younger and a divorced, single mom I used the envelope system, which worked great. Now I just use the "ballpark" system. However, I have started to track my spending, just out of curio...
by Gnirk
Sun Jul 15, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10222

Re: When does frugal cross the line to cheapskate?

That groom sounds smart, to me, not cheap.
by Gnirk
Sun Jul 15, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10222

Re: When does frugal cross the line to cheapskate?

The groom wore an everyday business suit, the ring was a discount purchase through his own jewellery company and the reception was a meal at the Bonefish Grill, an America-wide seafood chain. https://www.theguardian.com/world/2006/sep/02/usa.andrewclark Not the kind of man some would want to marry,...
by Gnirk
Sat Jul 14, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2375

Re: Change in Flagship Rep Service ?

Tom: When I just logged into my account I get the usual account overview page and on the right (to the right of the pie charts) is a large picture of my rep plus the link to the section to set up an appointment and another link to go to the section to send a secure message. Well, I'm still confused...
by Gnirk
Sat Jul 14, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Living Revocable Trust - conveyance of assets
Replies: 37
Views: 2614

Re: Living Revocable Trust - conveyance of assets

As Durable Power of Attorney for my mother, I was able to have an attorney set up a revocable living trust with her as the beneficiary, and me as the trustee, with successive trustees named. For those of you who want to know "why" I set up a living trust for her: My mother had mid-stage Alzheimer's,...
by Gnirk
Fri Jul 13, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: What's your *real* asset allocation?
Replies: 30
Views: 3306

Re: What's your *real* asset allocation?

My "real" asset allocation includes equity funds, cash, CDs, bond funds, and savings bonds. Nearly all is in a taxable account. My allocation = 110-age in fixed income, the remainder in equities. I do not include our primary home or our snowbird home, because even though they are owned free and clea...