Search found 851 matches

by Gnirk
Sun Nov 11, 2018 12:46 am
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 30
Views: 3703

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: 30
Views: 3703

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: 3027

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...
by Gnirk
Thu Nov 08, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3878

Re: High-end Christmas decorations

I bought a Balsam Hill tree two years ago after having fresh trees from the tree farm for 50 years. Love not having to put the lights on the tree! Front gate also has very nice artificial trees. I’m not sure what kind of ornaments you want. I have been collecting Christopher Radko, Gotham sterling s...
by Gnirk
Wed Nov 07, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: PenFed new savings rates
Replies: 19
Views: 2232

Re: PenFed new savings rates

My Ally savings account acts as both my liquid savings and my “clearinghouse”. If I want the cash from a PenFed CD when it matures, I pull it from Ally to my Ally savings account. If I want to purchase funds at Vanguard, I have Vanguard pull from my Ally savings account.
by Gnirk
Tue Nov 06, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14391

Re: How much money are you leaving your kids after you die?

I have two single adult daughters. They will each inherit half of whatever assets I own when I pass away. If I pass before my DH, he inherits the 2 homes we jointly own, and a small Ira. All of my investments will be inherited by my daughters. The same goes for my DH; his children inherit his invest...
by Gnirk
Tue Oct 30, 2018 1:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604532

Re: U.S. stocks in freefall

AlphaLess wrote:
Mon Oct 29, 2018 9:36 pm
Christmas came early this year, folks.

Hopefully, we will see another 10% discount before the end of the year.

A recession would not hurt either.
That’s good for those in the accumulation phase. Not so good for those of us who have been retired for awhile.
by Gnirk
Wed Oct 24, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6065

Re: Retirees: What keeps you up at night?

Ged wrote:
Wed Oct 24, 2018 7:58 am
Concerns about health care and children.

The rest is minor by comparison.
Same here.
by Gnirk
Mon Oct 22, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can you include this in a will?
Replies: 23
Views: 3569

Re: Can you include this in a will?

DH and I have that clause in our wills, with good reason.
by Gnirk
Thu Oct 18, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6902

Re: Depositing Cash if it was gifted?

If It is decided that Grandma should keep the money and deposit it in her account, just do it. In 2004, early in my mom’s dementia she asked me to look in her little strong box. It was full of cash....over $30,000! When I asked her why she had it there, she thought a minute, and said she had been wo...
by Gnirk
Thu Oct 18, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16807

Re: Where would you go for financial guidance if you win the Megamillions?

Have a good attorney create a charitable foundation with 75% of the $$. Part of the remainder to be put into trust for family, and the rest into gifts for close friends who can really use some help. I want to keep enough so that I have a feeling of security, but have never aspired to be personally “...
by Gnirk
Wed Oct 17, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 5971

Re: Best way to complain about Hertz bait-and-switch?

FWIW- We have seldom received the car we reserved, from any of the car rental companies. I always try to reserve a Toyota product because the seats are comfortable for my DH and me. We cannot sit comfortably in a Ford or Chevy because of the way the seats slant, which results in my knees being highe...
by Gnirk
Tue Oct 16, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5518

Re: Jury duty - already booked vacation

In Washington, we can request a one-time postponement and rescheduling of jury duty. Ours is all done on-line, so depending upon your jurisdiction, I would call the jury officer, explain the situation, and see if you can reschedule for a later date. We are snowbirds, so I rescheduled last year from ...
by Gnirk
Mon Oct 15, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8045

Re: Black Friday is coming.. what's on your list?

If you're talking about shopping.....not a thing! I never shop on Back Friday, or even on that weekend. Never did understand why people subject themselves to that craziness.

OTOH, Leftovers from Thanksgiving, and hopefully we'll have family visiting, so spending time with them.
by Gnirk
Sat Oct 06, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 9120

Re: 20 countries where 200K in retirement savings will last you decades

The only countries I would consider would be Spain or Portugal. But even those are off the table for me because of kids and grandkids.
by Gnirk
Tue Oct 02, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4457

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

One can have a "direct cremation" in our area. 3 years ago it cost about $1300, which included picking up my mom and cremating her, placing her ashes into the urn, and bringing it back to their offices. The urn was extra (about $150), and because it was being placed in a burial plot in other city, i...
by Gnirk
Sat Sep 22, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 7018

Re: Don't trust Tripadvisor reviews

I use trip advisor reviews as a guideline, and I read all of them for a particular hotel, restaurant, etc that i'm thinking of going to. I also review restaurants, hotels, activities, etc when I travel, and provide very honest reviews that I hope other travelers find helpful.
by Gnirk
Tue Sep 18, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1636

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: 3975

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: 3051

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: 2651

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: 46
Views: 4122

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: 8337

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: 2190

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: 1796

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: 5956

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: 3406
Views: 1014229

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: 1201

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: 2540

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: 2675

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: 3945

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: 3652

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: 4547

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: 1865

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: 4411

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: 5659

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: 6481

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: 15180

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: 5659

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: 3934

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: 47
Views: 3565

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: 3534

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: 4808

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: 2161

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: 2145

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: 12868

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: 2298

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: 10056

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: 16015

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: 12149

Re: 3 Levels of Wealth

We are at level 3, but live like we are at Level 1.