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Viewing profile - jaiko

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jaiko
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Joined: Sat Jun 16, 2012 8:06 am
Last visited: Thu Mar 17, 2016 10:56 am
Total posts: 117
[0.13% of all posts / 0.08 posts per day]
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Most active forum: Personal Finance
[ 115 Posts / 98.29% of user’s posts ]
Most active topic: Fee Only Advisor Question
[ 7 Posts / 5.98% of user’s posts ]

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jaiko Posts

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 Forum: Personal Finance   Topic: Am I doing life right?

 Post subject: Re: Am I doing life right?
Posted: Sat Nov 14, 2015 1:53 pm 

Replies: 14
Views: 7223


You've gotten some very good advice. Having been married for 40 yrs, I can say that you and boyfriend DO need to discuss money - regularly, in fact. Doesn't have to be "once a month like clockwork", but you should discuss things like prioritizing budgetary items - both everyday expenses an...

 Forum: Personal Finance   Topic: Your biggest drain

 Post subject: Re: Your biggest drain
Posted: Wed Sep 09, 2015 10:28 am 

Replies: 12
Views: 6882


Biggest expenses: #1 Food, if you include dining out. We do a LOT of that, and when we travel that's 2 meals/day, every day. We don't picnic with deli food or look for food trucks; we are sit-down/table service 3-5 star restaurant types. #2 Insurance. We have a lot of it. Homeowners, earthquake, aut...

 Forum: Personal Finance   Topic: Thoughts on inheritance (pending) / Debts

Posted: Sun Jul 05, 2015 9:52 am 

Replies: 9
Views: 1095


Your DMV should be able to tell you who's on the title of the car. You may need to send them a copy of the death certificate to get it. SocSec has a very small funeral benefit - $200, I think? You have to apply for it, it's not automatically disbursed. At least, we never saw it, LOL! Benefits are NO...

 Forum: Personal Finance   Topic: Thoughts on inheritance (pending) / Debts

Posted: Fri Jul 03, 2015 5:29 pm 

Replies: 9
Views: 1095


The executor must file not only the 2014 but the 2015 taxes. So there may be penalties due for 2014, get a tax advisor on that NOW. The 2015 taxes have a max date of 18 months from date of death, to be filed. Do not be in a hurry to liquidate assets. Settling an estate can be more expensive than you...

 Forum: Personal Finance   Topic: Pay off mortgage or not worth it at this point?

Posted: Thu Jun 18, 2015 8:48 am 

Replies: 4
Views: 1069


Talk to a banker regarding the rates for construction loans. Also get him to describe bridge loans to you; many people need them when a project runs into difficulties. Once you have a firm idea of what it costs "right now" to build - you are going to need an idea of how big a home you want...

 Forum: Personal Finance   Topic: 73yo dad getting ready to retire

Posted: Mon May 11, 2015 8:17 pm 

Replies: 7
Views: 2265


It's not a bad idea to change to a low-fee fund. But far more important is, has your dad done all his legal and financial docs? - Do you know where he keeps them? - Do you know the names/addresses/phone #s of his attorney, all his doctors, his tax advisor? Do you have his Medicare/supplemental insur...

 Forum: Personal Finance   Topic: A tale of 2 retirements

 Post subject: Re: A tale of 2 retirements
Posted: Wed Apr 08, 2015 10:00 am 

Replies: 15
Views: 3563


Thanks for the tip, vintek! We hadn't planned on eating lunch down in Big Sur but will see what happens. If not this time, definitely the next - I will put it on our ever-growing "list". I'm not fond of Southern CA so go down as seldom as possible - so, this is only the second trip in six ...

 Forum: Personal Finance   Topic: A tale of 2 retirements

 Post subject: Re: A tale of 2 retirements
Posted: Tue Apr 07, 2015 5:03 pm 

Replies: 15
Views: 3563


>>I think that when I retire in the future, I will spend my savings on traveling to some places I like>> Well, don't wait too long, LOL. Again, my MIL is an example. She and her husband kept telling us, "Oh, we're going to wait until we retire to do that!" Then he developed heart trouble. ...

 Forum: Personal Finance   Topic: EE Bonds

 Post subject: Re: EE Bonds
Posted: Mon Apr 06, 2015 10:16 am 

Replies: 3
Views: 484


The Treasury website has an EXCELLENT bonds calculator. You enter the serial # and it will give you the interest rate being paid, and the value of the bond as of today. Mature bonds, of course, earn no further interest after the 30 yr date. Cash in mature bonds and keep a note of the interest paid, ...

 Forum: Personal Finance   Topic: A tale of 2 retirements

 Post subject: Re: A tale of 2 retirements
Posted: Sun Apr 05, 2015 11:58 am 

Replies: 15
Views: 3563


....it is hard to break the last 25 years of thrift. I'd rather give it to the kids and chasing stuff at 60 seems pretty silly. The only thing to watch out for is not allowing your frugality to hurt you. Sometimes it becomes such an ingrained habit that you 'short yourself' without thinking. My MIL...

 Forum: Personal Finance   Topic: A tale of 2 retirements

 Post subject: Re: A tale of 2 retirements
Posted: Sat Apr 04, 2015 1:55 pm 

Replies: 15
Views: 3563


My MIL's retirement: worked until 70 to get max SocSec. Her DH was forced into early retirement due to heart issues, finally died 2002. At age 74 she was house-rich, cash poor. Less than $250K in retirement accounts, small pension, retiree health benefits took 40% of that amount. In 2006 we finally ...

 Forum: Personal Finance   Topic: Wife has savings bonds - cash them in now to pay off debt?

Posted: Mon Feb 23, 2015 2:41 pm 

Replies: 4
Views: 1139


Actually, I just did this. I had EE bonds from an old employer, purchased from 1994 thru 1999. I looked up their worth on the US Treasury's calculator: https://www.treasurydirect.gov/BC/SBCPrice Now...I don't remember the exact date when the Treasury switched from a flat interest rate paid to a vari...

 Forum: Personal Finance   Topic: [LIFE INSURANCE] Should I get it?

Posted: Mon Jan 12, 2015 2:06 pm 

Replies: 16
Views: 3653


>>I also believe if and when interest rates rise, premiums will drop>> Premiums drop when mortality rates improve. Actuaries are constantly crunching numbers. That's why life insurance rates dropped dramatically, while disability and LTC insurance, which are factored on morbidity rates, increased in...

 Forum: Personal Finance   Topic: Managing parent's money

 Post subject: Re: Managing parent's money
Posted: Sat Dec 27, 2014 1:13 pm 

Replies: 1
Views: 542


My MIL also has dementia, altho not Alzheimer's, and so we began hands-on management of all her finances over a year ago. An ETF is fine but keep the investment profile on the conservative side. Cognitive decline can seem erratic to caregivers--everything seems okay for a while, just a slow decline,...
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