Search found 811 matches

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: 2602

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: 2986

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: 52
Views: 3796

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: 1962

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: 1933

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: 11769

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: 2059

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: 160
Views: 7837

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: 14180

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: 11411

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: 26539

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: 4429

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: 4429

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: 2723

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: 11769

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: 2048

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: 2907

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: 57
Views: 10482

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: 2907

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: 3639

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: 3803

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: 7183

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: 10024

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: 10024

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: 2328

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: 11
Views: 814

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: 3155

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...
by Gnirk
Fri Jul 13, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10024

Re: When does frugal cross the line to cheapskate?

Frugal: When you buy the Toyota instead of the Lexus, even though you can afford the Lexus. Cheapskate: When the couple who has far more $$$ than you do orders $200 worth of wine at dinner (and know that we don't drink wine because of medications) and then wants to split the bill. Cheapskate: When f...
by Gnirk
Tue Jul 10, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15700

Re: Retirement Destination - are you happy with your choice?

Yes, we are happy with our choices. We spend 7 months in our "regular" home in the Pacific Northwest, and the 5 winter months in our snowbird home in the California desert. It's worked well for us. Personally, I would have preferred a snowbird home in Hawaii, but DH wanted to be able to drive the di...
by Gnirk
Sat Jul 07, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3654

Re: Anyone Tried Costco Travel Packages?

We booked a Viking River cruise through Costco several years ago. We saved on the price of the cruise ( I think it was a 10% discount from Vikings 2-for-1 advertised rate) , and after the cruise received a $600-$700 Costco gift card , based on our membership level with Costco. We booked our own airf...
by Gnirk
Mon Jul 02, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 4934

Re: Do you own just 5% of anything?

Yes, Wellesley and Wellington less than 5% each....legacy funds I inherited from my mom . Just can't seem to let them go.....
by Gnirk
Sun Jul 01, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Debt to asset ratios
Replies: 14
Views: 885

Re: Debt to asset ratios

Retired, and 0% debt. We have our monthly/yearly expenses, but pay them off when due. We feel very fortunate.
by Gnirk
Sun Jul 01, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13541

Re: What are your property taxes?

Assessed value, which in our state of Washington is supposed to be market value, is $578,000. This is a 2800 SF two story house on a golf course, not in a large city. Annual property taxes are $7,525. No income tax. Sales tax average around 9%, depending upon the locale. Gas tax second highest in th...
by Gnirk
Wed Jun 27, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: How many months of living expenses would you keep in your bank.
Replies: 61
Views: 4063

Re: How many months of living expenses would you keep in your bank.

One month in checking, and two years in Ally savings and no penalty CDs.
by Gnirk
Tue Jun 26, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7101

Re: Tequila and Magaritas

I enjoy using a decent tequila in my margaritas, which I mix using a cocktail shaker and serve "on the rocks", rather than blended. My preference in Gran Centenario Reposada, and I also add a bit of Grand Marnier and Cointreau, and use a sweet and sour mix rather than a margarita mix.
by Gnirk
Tue Jun 26, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 8593

Re: Retirees: When you cut spending, what do you cut?

The question is what expenses would I cut if I needed to: Season tickets to live theatre. Travel. Meals out. Twice-monthly housecleaner, though this would worsen my back problems. Landline. If those cuts didn’t do the trick, I would sell the house and and most of the furnishings and rent a small apa...
by Gnirk
Sun Jun 24, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 8593

Re: Retirees: When you cut spending, what do you cut?

I'm of the opinion that if you have to cut your chosen lifestyle, then you failed. You didn't save enough or you didn't handle the investments properly. The country and world is full of people who live in poverty through no fault of their own. I worry about money, but I also realize I am incredibly...
by Gnirk
Sun Jun 24, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3186

Re: Compliments for Vanguard?

I've not experienced the issues others have with Vanguard customer service. I can make an appointment with my Flagship representative, and he's always timely in his calls. I can email him with questions, and receive answers in a timely manner. If he can't answer, he refers me to someone who can, and...
by Gnirk
Sat Jun 23, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: This is ridiculously expensive LTCi, right? Or maybe not?
Replies: 78
Views: 4366

Re: This is ridiculously expensive LTCi, right? Or maybe not?

Sounds a bit pricey, but then we never know what will happen in life. My very healthy mother, absolutely no physical issues, fit, active, etc developed Alzheimer's disease at the age of 78. And she was the poster girl for the alzheimers-prevention lifestyle! Long story short, she was under care for ...
by Gnirk
Mon Jun 18, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7725

Re: Trust Help From Cruel Stepmother

I am so sorry for the loss of your dad, and the resulting circumstances. I believe that anyone who is a beneficiary of the trust is supposed to receive a copy of the trust. Otherwise, it is private and in our state, doesn't go through the probate process. However, a will does and is a matter of publ...
by Gnirk
Mon Jun 18, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10998

Re: Timeshare ever worth it? Please share details

We've owned timeshares since 1985....three different areas, and 5 weeks total. All purchased on the secondary market at reasonable cost. Some weeks we used each year (paid $7000 on the secondary market for a beautiful 2-bedroom 2 1/2 bath in Hilton Head that was on a great golf course and included a...
by Gnirk
Sun Jun 17, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8759

Re: Which Supermarket are you?

I shop at Costco, Safeway, and Trader Joe’s, depending upon what I need. And I buy organic whenever it’s available. As I tell my DH, I buy organic for what isn’t in it!
by Gnirk
Thu Jun 14, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10372

Re: I was rear ended and the other guy wants a payout!

Sadly, this happened to me many years ago. The other driver rear-ended me, well after I was on the street. She was obviously at fault, didn't even have her driver's license with her, and left the scene to go home and get it. Months later when my premiums increased, I found out she had claimed it was...
by Gnirk
Mon Jun 11, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5178

Re: How do you celebrate (potty trained kid) milestone with your spouse?

Wow! I never knew successful potty training was a celebratory event, or there were such things as “ babymoons” and push presents. I got robbed!!! 🤣
by Gnirk
Sat Jun 02, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3125

Re: Helping son buy a house

I think it's great that you want to help your son buy a house. However, I agree with others who have advised gifting him the downpayment, and letting him take out a loan and pay a third party, not you. Personally, i've loaned money ($1,000-$2,000) to my children over the years, we always sign a note...
by Gnirk
Tue May 29, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30673

Re: Why pay cash for a car?

Even though auto loan rates are low, we pay cash for our cars. In fact, if we can't pay cash for something, we don't buy it. At our age, we prefer to continue to be debt free. And know that we are fortunate that we can pay cash for those things we really want.
by Gnirk
Mon May 28, 2018 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 31
Views: 28787

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

I once bought prescription glasses fron Costco and would never do it again or recommend to anyone. The lenses — which they told me were their highest quality — had unacceptable levels of chromatic aberration and distortion. Their $10 3-pack of reading glasses (same prescription) had better optical ...
by Gnirk
Sat May 26, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: What was your experience inheriting assets held at Vanguard?
Replies: 24
Views: 2281

Re: What was your experience inheriting assets held at Vanguard?

My one really big disappointment and frustration in Vanguard was when my brother and I inherited our mom’s accounts. They were in her revocable trust, I was both the trustee ( had been for a long time) and executor of her estate. The specialist I worked with never returned my calls, “misplaced” pape...
by Gnirk
Thu May 24, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 8228

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

Here's one individual's take on an Advance Directive regarding Alzheimer's / Dementia to provide an example for changing the paradigm to fit one's own criteria and circumstances. Currently, my Advance Directive and healthcare POA do not address this, and I intend to have them revised to do so. I ha...
by Gnirk
Wed May 23, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 8228

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

Even those with the ability to self insure, a long tail yearly claim of 100,000 in today's dollars for 10 or more years is a very tough pill to swallow. Yes, that’s very true. I speak from experience; my mom suffered from Alzheimer’s for 12 years, 8 of those years in a private care home specializin...