Search found 710 matches

by Gnirk
Sat Jan 20, 2018 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Mother In Law's new boyfriend...
Replies: 24
Views: 1739

Re: Mother In Law's new boyfriend...

If his MIL has considerable assets, and her new boyfriend of 4 months, who has already moved in with her, has been divorced several times, has been living with his parents, and owns a business that is most likely failing...well, these are some red flags in my opinion. Was he living with his parents ...
by Gnirk
Wed Jan 17, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased mother's Financial Advisor wants $500+ to convert to bene IRA
Replies: 31
Views: 2395

Re: Deceased mother's Financial Advisor wants $500+ to convert to bene IRA

My mother had a $25,000 IRA at Chase. She left it to my brother anfd me. We had them set up an inherited IRA for each of us. I left it at Chase for several months, and then had Vanguard set up inherited Ira account and initiate the transfer. My brother left his at Chase.
by Gnirk
Tue Jan 16, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: mlp's Master Limited Partnerships
Replies: 26
Views: 1624

Re: mlp's Master Limited Partnerships

Owned EEP once, never again will I own a Master Limited Partnership.
by Gnirk
Mon Jan 15, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1305

Re: TSA locks for luggage

I use TSA locks not to prevent theft, but because I don't want the zipper on the bag to come open while in transit and have my stuff spill out all over the tarmac. I used to use zip ties for this purpose until some point when the TSA began cutting them off to inspect the contents and not replacing ...
by Gnirk
Tue Jan 09, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Overwhelmed with how to handle taxes on large inherited portfolio.
Replies: 24
Views: 1632

Re: Overwhelmed with how to handle taxes on large inherited portfolio.

We manage our own investments but have a CPA prepare our tax returns, for around $700.
by Gnirk
Mon Jan 08, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 7894

Re: The reality hits - my dementia update

Thank you for the update, and your courage in sharing. I also thank you for sharing your knowledge and financial wisdom for so many years on this forum. Enjoy your time with those grandchildren!
by Gnirk
Mon Jan 01, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 42
Views: 4128

Re: Savings Bond Wizard to be eliminated 5/18

I've been using the on-line Treasury Direct Savings Bond Calculator for years. I had to initially add each bond to the site. However, once entered, you can then save it to your documents (at least on my Mac). Open it when you want to recalculate, enter the new valuation date, and it will calculate f...
by Gnirk
Mon Jan 01, 2018 2:36 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: No earned income, how do you pay tax for pensions, SS and RMDs
Replies: 43
Views: 3587

Re: Retirees: No earned income, how do you pay tax for pensions, SS and RMDs

We have taxes withheld from his SS, his RMD, my SS, my small pension, and my small RMD. Usually the total is enough to cover the taxes on interest, dividends, and capital gains as well. (90% of our investments are in taxable portfolios). However, this year we are also paying estimated taxes because ...
by Gnirk
Sun Dec 31, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 75
Views: 6803

Re: So, how was the year ? Gains made and Lessons learnt ?

Gain about 8% with a 37/60/3 AA
1% WR
Lesson learned: I can actually spend some money on wants, not just needs.
by Gnirk
Wed Dec 27, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is it me or does everything seem expensive?
Replies: 47
Views: 5234

Re: Is it me or does everything seem expensive?

livesoft wrote:
Wed Dec 27, 2017 12:54 pm

Food is cheap. Gas is cheap. Housing has gone down in my area, so even my property taxes are less than in the past. Airfares seem to be ridiculously low, too.
Just the opposite for the first three, in our area.
by Gnirk
Sun Dec 24, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23104

Re: What frugal thing did you do today?

My DH and I shared a Wendy's $4 meal deal. Exchanged the fries for chili, and I ate the chili and 2 of the pieces of chicken, and he enjoyed the bacon burger and 2 pieces of chicken, and the drink. (I drink water).
by Gnirk
Sat Dec 23, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11775

Re: European Cities that don't interest you

livesoft wrote:
Sat Dec 23, 2017 6:48 pm
Paris
Rome
London
Munich
Paris

Ooops, those are my most favorite 5. I had to count Paris twice.
:thumbsup
Neuremberg, Budapest, Amsterdam, Vienna, Edinburgh, Avignon and the surrounding area....but I love history, art, and architecture.
by Gnirk
Fri Dec 22, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 19975

Re: Do you see a meaningful change in your income with new Tax Bill?

Retired, no debt, 90% of investments are in taxable accounts, take the standard deduction. A slight increase, maybe.
by Gnirk
Sat Dec 16, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 181
Views: 14671

Re: Save all this money, what do you splurge on?

DH really doesn’t believe in splurging. His goal is to leave a hefty legacy to his adult children, which they are counting on.
I, on the other hand, splurge on theater tickets with friends. I like the good seats, too.
by Gnirk
Fri Dec 15, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 107
Views: 5816

Re: Financial Assistance to Adult Child (health insurance)

Welcome to my world. I don't know of any easy answer or solution. I have a similar situation with DH's daughter, who is 51 years old, in debt up to her eyeballs, cannot manage money in any way,, shape or form. DH has paid for her medical insurance in the past, and would again if needed, because she ...
by Gnirk
Tue Dec 12, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 54
Views: 3828

Re: Should I file taxes w/o her?

We also have a great disparity in income, and I am the one with the less income. However, our CPA files our taxes Married Filing Jointly, and then also computes them individually-strictly informational. Each time I would have had a refund coming and DH would have had to pay significantly more taxes....
by Gnirk
Mon Dec 11, 2017 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Fraud/401k sales and the elderly parent
Replies: 15
Views: 1879

Re: Fraud/401k sales and the elderly parent

You could move all of dad's money and house into a trust and you become the administrator of that trust. Check with an appropriate attorney. I am so very sorry about what has happened to your dad. Those who scam, in particular the elderly, are the scum of the earth. This is what I did with my mom's...
by Gnirk
Sun Dec 10, 2017 1:40 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 47
Views: 7170

Re: For those retired at least 10 years, what about the money?

We are in our 70’s. DH retired 11 years ago, no pension. We didn’t spend a lot before retirement and we don’t spend a lot now. 90% of our Investments are in taxable accounts and have grown, but we’re still frugal compared to our friends, and compared to what we could spend. DH is, or will be, paying...
by Gnirk
Wed Dec 06, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 7116

Re: House on the market less than a day. Did listing agent commit fraud?

They may have received a cash offer, and accepted it. There are lots of those in the Seattle area. And in my neighborhood, an hour south of Seattle, some of the houses have sold the day they are listed because realtors have potential buyers waiting to buy. And my daughter who was in the market for a...
by Gnirk
Tue Dec 05, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6008

Re: It's that time of year again... buying christmas gifts

[/quote] Very nice! Reading all these others posts about how to calibrate and budget for the vacuous "holiday spirit" materialistic spending on gifts for bosses, partners, and adults that have too much already was making me nauseous. People are starving to death and in desperate need every day and m...
by Gnirk
Tue Dec 05, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1833

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

I find the 4 wheel spinners much easier on my back...I’m not dragging something behind me. And easier to walk with when you have a smaller bag on top of the 4 wheel than the 2 wheel.
by Gnirk
Sun Dec 03, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6008

Re: It's that time of year again... buying christmas gifts

Guess I've never had an inner Scrooge, although I do stick to a budget for Christmas. Christmas has always been a big deal in my family....even when we had very little money, we always made it special with thoughtful, handmade gifts. I learned that from my grandparents and my parents. When I decorat...
by Gnirk
Tue Nov 28, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question: Inheriting something you aren't supposed to sell
Replies: 22
Views: 2817

Re: Inheritance question: Inheriting something you aren't supposed to sell

We have that situation with a bunch of low-value collectibles (milk glass), early to mid 1900s brown furniture, antique non-microwavable / non-dishwashable china, and a ton of what's basically "curio cabinet clutter" that one of my parents sees as their legacy and wants to give to somebody who will...
by Gnirk
Tue Nov 28, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question: Inheriting something you aren't supposed to sell
Replies: 22
Views: 2817

Re: Inheritance question: Inheriting something you aren't supposed to sell

Depending upon how the will is written, and your state laws, you may just be able to disclaim that portion of your inheritances, and your share will be split among your siblings. Discuss it with the estate attorney, or discuss it with your respective parents.
by Gnirk
Sat Nov 25, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 18347

Re: The fallacy of spending money on "experiences" vs hard assets

The older I get, the more “experiences”, be they theater, travel here or abroad, walking on a warm, sandy beach searching for shells, or eating my first lobster roll in Maine, mean far more to me than “things”. In fact, I’m trying to get rid of many of my things. I’m not the only one in my family or...
by Gnirk
Sat Nov 25, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5446

Re: Etiquette question: going out to dinner with friends and how to split the bill

We are not shy about politely requesting separate checks, and have never found it to be awkward or unwelcome.Often the other diners request separate checks before we do. Neither my husband nor I drink much alcohol, and we go to dinner with a couple who consistently order bottles of wine that cost $1...
by Gnirk
Sat Nov 25, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5446

Re: Etiquette question: going out to dinner with friends and how to split the bill

We have several couples with whom we go out to dinner frequently. We just ask the server for separate checks. No problem.
by Gnirk
Sat Nov 25, 2017 1:15 am
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5749

Re: Etiquette question: Paying for meals out & out of town guests

Whenever we are guests, we always treat our hosts to dinner out at least once, if not more. We have a snowbird home, and have several couples who stay a week or more with us every year. Most, but not all, of our guests treat us to dinner out. Those who don’t are as well off as we are, but have a ver...
by Gnirk
Wed Nov 22, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages of Grandparents Owning 529 Accounts
Replies: 5
Views: 958

Re: Disadvantages of Grandparents Owning 529 Accounts

Yes, we signed over my husband’s ownership of the 529 to our granddaughter. Our story is sad, but true. The year before our oldest granddaughter was to start college, we found out her mother, the owner of the 529, had withdrawn and spent nearly everything in both of our granddaughters’ accounts to f...
by Gnirk
Tue Nov 21, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1601

Re: Anyone "re-door" their kitchen cabinets?

We just had our kitchen and guest bath cabinets professionally painted white, and I love the results. The paint contractor cleaned everything, applied a base coat, and then several finish coats using an epoxy paint in a soft finish (not glossy). They removed the doors and drawer fronts and set up a ...
by Gnirk
Mon Nov 20, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 88
Views: 11465

Re: Valuation of EE Savings Bonds

I inherited a number of EE and I bonds. I entered them into the Treasury Direct website to calculate the value of the bonds and use those calculations to find their present value. Currently, the EE bonds are paying 4%, and the I bonds are paying 5.39%. At this point, I plan on keeping them until mat...
by Gnirk
Sun Nov 19, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 360k for an old man
Replies: 30
Views: 3172

Re: What to do with 360k for an old man

Your Grandpa is 89, and it's highly probable that his living and care costs will increase as he ages. In our area, memory care/nursing home costs run between $7,000 to $9,000 per month, and sometimes more. Keeping his cash in a high-yield savings account or a CD ladder is just fine, in my opinion. H...
by Gnirk
Sun Nov 12, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 7280

Re: Swedish Death Cleaning [De-clutter your home]

I'm sorry to say that this thread is full of heresy , as far as genealogists are concerned . We tend to collect anything related to relatives: photos, keepsakes, and memories. If you erase every clue as to your existence, we may not find you to include as part of the family. We can probably find yo...
by Gnirk
Sat Nov 11, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 7280

Re: Swedish Death Cleaning

I've been trying to "purge" so that my daughters won't have to go through what I went through when my mom passed away (5,000 square feet of mostly "good" stuff in a 2500 Square foot house). All of the family photos and memorabilia, dating back to the mid-1800's, went to my house until we could sort ...
by Gnirk
Thu Nov 09, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1873

Re: Best Approach for Purchasing Many Furnishings

Briefly- Craig’s List, Offer Up, and Facebook Marketplace for hard line furniture like end tables, coffe tables, dressers, dining tables and chairs. Buy soft lines new, especially mattresses. Costco is a good source if you or a family member belong to it. Also good for electronics. Linens and kitche...
by Gnirk
Thu Nov 09, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Lending Money to Business Acquaintance
Replies: 17
Views: 1392

Re: Lending Money to Business Acquaintance

We, along with several other business friends, each lent a struggling friend who was in the same business, $10,000 plus provided expert guidance. He signed papers with each of us, and emotionally promised to pay each and every one of us back. He still went bankrupt, we were paid nothing, and he neve...
by Gnirk
Fri Nov 03, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8965

Re: Should I decline Grand Prize trip because of taxes on winnings?

If this is legit, I would take the trip. As someone said, you only have one lifetime and it sounds like this isn't something you would be able to set up on your own. And if it's one of the two major January tournaments being played in Hawaii? GO!!! And if you don't want to, my husband and I would lo...
by Gnirk
Mon Oct 30, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Joint account with Siblings
Replies: 44
Views: 2075

Re: Inheritance and Joint account with Siblings

Why not divide it now, and the OP can open his own account. If he's worried he'll spend it, put it into a Roth IRA, if possible. If he wants to use it in the near future, then put it into a high-yield CD.
by Gnirk
Mon Oct 30, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5055

Re: Someone spoofing my phone number?

I've had my number spoofed. Phone rang, and the caller ID showed MY phone number. Ugh.....hate robocallers. They even spoofed my health care provider's name and phone number, and when I answered it was the recorded credit card rate scam. :evil:
by Gnirk
Mon Oct 30, 2017 3:02 am
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2775

Re: When the cold wind comes, I go where the dahlias bloom

We snowbird from Washington to the Palm Springs area, drive down starting Oct 31st. We fly home in early December for Christmas, then back to the desert on New Year’s Day and stay until the last week in April. This has been our routine for 10 years, although we’ve owned our snowbird home for 17 year...
by Gnirk
Sun Oct 29, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 6071

Re: Retirees: which websites do you spend the most time on?

This one, MSN( my home page), Facebook, Houzz.
by Gnirk
Sat Oct 28, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 16450

Re: What was the main reason you retired?

Husband sold the business.
by Gnirk
Sat Oct 28, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is on your Pre and/or Post Retirement Bucket List?
Replies: 23
Views: 2007

Re: What is on your Pre and/or Post Retirement Bucket List?

We've checked off quite a few things from our bucket lists during our ten years of retirement. Traveled to Europe several times, Paris on Bastille Day, first ever Lobster Roll in Maine, Cape Cod (wasn't that impressed...don't know what I expected), Nashville, DH loves golf, so played some famous cou...
by Gnirk
Sat Oct 28, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 3290

Re: bedroom color-current trend?

Would love gray walls, but I live in Washington, and we have enough gray here! So I had our bedroom painted a light, warm tan, with white trim. Painted the bathroom Sherwin-Williams Tidewater, with white trim. This after having off-white walls for 23 years.
by Gnirk
Fri Oct 27, 2017 1:25 am
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 10717

Re: Emotional impact of spending down assets?

My parents were children of the Great Depression. My parents put savings first and lived below their means. Mom bought everything from thrift stores. Long story short, she was able to amass a multi-million dollar portfolio, plus had my dad’s cola’d Police retirement, her very small retirement, and h...
by Gnirk
Mon Oct 23, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5829

Re: Urgent! Heading to ER, surprise bills

Oops, read where you already visited the ER. Happy your vision came back. i had that happen once, but still had the MRI, which showed no issues, and I've been fine ever since. Hope yours turns out the same.
by Gnirk
Fri Oct 20, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3989

Re: For those near retirement and rebalanced to Bonds...

Retired 10 years. 35/60/5 (more or less), and about 90% of my portfolio is taxable. I "could" take more risk on the equity side at this point because my withdrawal rate is about 1%, but I am risk-averse, and I like to sleep well at night.
by Gnirk
Thu Oct 19, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11475

Re: anyone else not liking the new cars?

Sandtrap wrote:
Fri Oct 13, 2017 10:08 pm
I would fire the design engineer that did the fronts of the new Toyotas and Lexus.
As much as I am dedicated to Toyota/Lexus reliability and track record, the new models are uuuuuggggly. :shock:
I also considered the new Lexus LX SUV but not after seeing the front. :oops:
My thoughts, too.
by Gnirk
Wed Oct 18, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Recommendations on quartz countertops
Replies: 9
Views: 1062

Re: Recommendations on quartz countertops

OP here-
Thank you for all your insight and information, and the links to the Houzz sites. lots of information there, too. It appears that inspecting the actual slabs before fabrication is really important, especially if you've used small samples to make your choice of color/design.
by Gnirk
Wed Oct 18, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Recommendations on quartz countertops
Replies: 9
Views: 1062

Recommendations on quartz countertops

I'm thinking of replacing my granite tile kitchen counters with quartz. I've researched various brands, such as Silestone, Cambria, Zodiaq but I haven't been able to find anything comparing the quality of the products. I know Lowe's has a house brand from Sage Industries. Any insight or recommendati...