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Viewing profile - dariaclone

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dariaclone
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Joined: Sat Jul 21, 2007 7:12 pm
Last visited: Tue Jun 10, 2008 1:21 pm
Total posts: 78
[0.09% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 46 Posts / 58.97% of user’s posts ]
Most active topic: My Pregnancy Fiscal Fitness Journal
[ 9 Posts / 11.54% of user’s posts ]

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dariaclone Posts

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 Forum: Personal Finance   Topic: Bankruptcy and Life Insurance

Posted: Mon Apr 14, 2008 8:38 am 

Replies: 2
Views: 2240


Not sure if anyone else will have experience with this topic, but some Google searches were sending me in the wrong direction, so I thought I would try the GRS community. My husband filed for bankruptcy in 1999 and all the debts were discharged effective January 1, 2000. Since then, he's been on the...

 Forum: Personal Finance   Topic: Sandwich generation

Posted: Fri Apr 11, 2008 2:26 pm 

Replies: 37
Views: 12563


I'm a little disturbed that this question got so far off-track, because it's a valid question and one which many of us are contemplating. My parents have no desire to ever live with me--they like their hometown and would want as much of their independence as possible. In addition, having them move i...

 Forum: Personal Finance   Topic: What percentage of your gross income is your mortgage/rent?

Posted: Thu Feb 21, 2008 1:47 pm 

Replies: 33
Views: 23919


6% for mortgage and taxes. Does not include condo association dues or other housing costs (but that wouldn't alter it too much).

 Forum: Personal Finance   Topic: Do people think you're "cheap"?

Posted: Wed Feb 20, 2008 10:29 am 

Replies: 25
Views: 10163


I'm not sure I'm going to say this right, but I'll try. I think it's important to splurge a little when it comes to your friends. As some of the above examples have shown, you might chose to spend your money differently: bike, house, etc. But on some level, there is a cost to maintaining friendships...

 Forum: Personal Finance   Topic: Long-Term Care Insurance

Posted: Fri Feb 15, 2008 10:10 am 

Replies: 7
Views: 3181


I'm resurrecting this thread to see if anyone has any more specific details. After I expressed concern about my parent's financial health, our financial planner (fee-based, just for the record!) has asked me to check in with my parents and among the questions to ask is whether they have Long-Term Ca...

 Forum: General Discussion   Topic: SSN on an ID card...is this common?

Posted: Thu Jan 31, 2008 9:17 pm 

Replies: 7
Views: 4218


It used to be more common, but more and more entities (government and private) have gotten rid of it. My health insurance moved to a different ID about two years ago.

 Forum: Personal Finance   Topic: Emergency Fund, Define 'emergency'

Posted: Wed Jan 30, 2008 11:23 pm 

Replies: 32
Views: 12455


Since I started the distinction conversation, I would add that I am also in the "whatever works for you" camp. Actually we don't actually save for irregular expenses, but just reduce our allocated savings if needed for a month when one arises. But generally, we've built flexibility into ou...

 Forum: Personal Finance   Topic: Emergency Fund, Define 'emergency'

Posted: Tue Jan 29, 2008 2:33 pm 

Replies: 32
Views: 12455


In some sense, people talk about two different things when speaking of the emergency fund. One version is of the lose your job/major health crisis type. There are a lot of different amount suggested, generally in expressed in months, for this. In some sense, you have to figure that out for yourself ...

 Forum: General Discussion   Topic: Anyone Been to Japan?

Posted: Tue Jan 15, 2008 12:53 pm 

Replies: 6
Views: 3808


Thanks for the reminder googoo. It's something I always intend to look at before traveling, but never do. I am printing out the "What to do if I need medical care in a foreign country" brochure right now.

 Forum: General Discussion   Topic: Anyone Been to Japan?

Posted: Tue Jan 15, 2008 8:14 am 

Replies: 6
Views: 3808


If you don't tell anyone, I'll admit that we actually get to fly business class which does help with circulation and all. :-) And there's a little more room to move around as well. It definitely increases my comfort level. I've had to travel internationally for work already and my doctor has been to...

 Forum: General Discussion   Topic: Anyone Been to Japan?

 Post subject: Anyone Been to Japan?
Posted: Mon Jan 14, 2008 2:35 pm 

Replies: 6
Views: 3808


We're leaving on Thursday (largely frequent flier miles and hotel points) and wanted to know if anyone had any last minute advice. We fly in and out of Tokyo and go to Kyoto and Hiroshima. Total trip time is about 12 days.

 Forum: Personal Finance   Topic: Help With Family Member? -UPDATE

Posted: Mon Jan 07, 2008 8:50 pm 

Replies: 35
Views: 13062


The problem on a social level is getting too involved and getting in the position of you acting as your mom's advisor. I think that raises some potential relationship problems in the ups and downs in the market, not to mention the complexities of when to take withdrawals from retirement savings. It ...

 Forum: Personal Finance   Topic: Net Worth for Married Couples?

Posted: Mon Jan 07, 2008 8:41 pm 

Replies: 31
Views: 18250


We have separate spending accounts, but joint taxable investment accounts and we update each other on our 401(k) balances regularly, so we do track net worth together. (It's the best compromise for us. Freedom to spend on the small things. Joint goals to achieve together.) I think it's important to ...

 Forum: Personal Finance   Topic: Which personal finance terms give you trouble?

Posted: Sun Jan 06, 2008 5:39 pm 

Replies: 21
Views: 9164


Seems like there have been a lot of questions surfacing on the board recently about sales loads and expenses in mutual funds. I'm sure it's been addressed before, but given people thinking about their IRAs and such it might be time to re-hash how those make a difference in returns. (And that might n...
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