Search found 881 matches

by Gnirk
Sun Jan 20, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Henderson, Nevada ?
Replies: 16
Views: 1312

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: 48
Views: 2164

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: 83
Views: 3707

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: 83
Views: 3707

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: 879

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: 847
Views: 43518

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: 44
Views: 4953

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: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 214
Views: 15049

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: 8247

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: 4506

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: 5485

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: 407
Views: 58179

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: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13134

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: 8169

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: Investing - Help with Personal Investments
Topic: Any way to display the old design on the Vanguard website?
Replies: 16
Views: 1320

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: 2975

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: 22347

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: 21006

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: 21006

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: 3122

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: 5892

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: 2556

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: 5571

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: 15217

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: 6639

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: 2491

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: 5960

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: 5001

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: 7338

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: 5272

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: 5272

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: 3107

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: 4083

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: 2337

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: 15192

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 free fall
Replies: 10137
Views: 1787013

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: 6176

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: 3622

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: 7023

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: 17149

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: 6196

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: 5605

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: 8198

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: 9425

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: 4613

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: 7102

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: 1696

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: 4020

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: 3090

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...