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Re: Ideas for thanking a doctor

obgraham wrote:If you feel the need to give a material gift, a restaurant gift card is never declined!

But you would have to ask the doc for his/her favorite restaurant.
by HueyLD
Sat Aug 30, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 58
Views: 2668

Re: Costco:is it worth it for just two people?

We're a retired couple with an Executive membership that pays for itself every year. We do 80% of our food shopping there, along with some clothes, glasses, pills, paper products, electronics, tools and gasoline, and it saves us money and offers a convenient shopping experience. Oh, and a $1.50 hot...
by HueyLD
Sat Aug 30, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 101
Views: 5703

Re: Auto accident today

camper wrote:Police will not show for auto accidents where I live unless there is a medical emergency. Neither one of us had been in an accident before so he actually did call the police. They told him just to exchange insurance info.

Really? What part of the metro was it?
by HueyLD
Tue Aug 26, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Auto accident today
Replies: 33
Views: 2572

Re: Callable municipal bonds

With 4-5% coupons, it is highly likely that those bonds will be called at the first callable dates. You need to get ready to redeploy your cash and it won't hurt to get started a few months before the callable dates.
by HueyLD
Mon Aug 25, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Callable municipal bonds
Replies: 6
Views: 444

Re: Smartphone recommendations for under $200

Buying additional minutes, say 400, will result in 1,200 minutes, 1,200 messages and 1,200 MBs being added. Do you get voice, text and data minutes separately by buying one 400-minute card? Or do you have to buy three 400-minute cards? It has very good sound quality, and a nice speakerphone. Has Wi...
by HueyLD
Mon Aug 25, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone recommendations for under $200
Replies: 24
Views: 1959

Re: Telling my friends I paid off my houses was a mistake.

You don't need a link. Rather, you need new friends.

Congrats.
by HueyLD
Mon Aug 25, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10154

Re: Transfer on Death (TOD) for Vanguard taxable accounts

Take a look at what Vanguard says: "The Transfer on Death Plan is a straightforward way to designate beneficiaries for certain Vanguard nonretirement mutual fund and/or brokerage accounts. The plan was established through Pennsylvania’s Uniform Transfer on Death Act and is available to investor...
by HueyLD
Sun Aug 24, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 20
Views: 1818

Re: No room on your Windows hard drive? Cleanup Update files

LadyGeek,

Does the fix work on Windows Vista?
by HueyLD
Sat Aug 23, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3207

Re: Why do we tip restaurant servers?

What happens when the server doesn't enhance your experience? No tip? I go out a lot in the US, Europe and Asia. The main differentiating characteristic of US service is a cheesy fake friendliness. In terms of efficiency, attentiveness, competence I have seen much better everywhere in Asia (this is...
by HueyLD
Fri Aug 22, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2203

Re: Unlimited cell plans dropping in price?

Straight Talk -45.00 "unlimited" :happy "*30 day Unlimited Plans include 3GB of high speed data per 30 day cycle. After 3GB, your data speed will be reduced for the remainder of the 30 day cycle. High speed data is restored once a new 30 day service plan is added." How much web ...
by HueyLD
Wed Aug 20, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3263

Re: can unmarried or unrelated people hold house title in JT

Can unmarried or unrelated people hold house title in Joint Tenancy with Right of Survivorship? If yes: Say two people buy a house together and title the property as JTWRS. But one of them pays more. Does this create tax consequence immediately or down the road? You may want to read this article on...
by HueyLD
Wed Aug 20, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: can unmarried or unrelated people hold house title in JTWRS?
Replies: 4
Views: 501

Re: Will you have to pay your parent's long term care costs?

Shifting money to avoid paying is one thing but going after children for amounts this large is not something most people could absorb for long You are right. However, what are the alternatives? In some countries, death is expected for those who have no money for medical care. If neither the childre...
by HueyLD
Wed Aug 20, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 3902

Re: Will you have to pay your parent's long term care costs?

I wonder what the alternatives may be. As both the federal and states are running short on funds, should we just expect the governments to cut payments to low income people so that they can die when they run out of money? What if they are your loved ones? I think it is a serious issue for us as a so...
by HueyLD
Wed Aug 20, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 3902

Re: Moving after retirement.

Here are my reasons for staying put. 1) Very close family.... 2) I love where I live now... 3) I know this sounds goofy but a social life is important. I am concerned that I won't make new friends. :wink: Hard to believe that's a concern at 55. Based on the above, you are where you should be. No do...
by HueyLD
Sat Aug 16, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 3729

Re: Spousal SS benefit for older and lower earner

Thank you for the reply, Jon. I think she should consider the long term impact of both benefits, not just hers today. Even though she is three years older than her husband, he could still die first and they should attempt to maximize her widow's benefit as well. Is it a good advice to tell her to ge...
by HueyLD
Thu Aug 14, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spousal SS benefit for older and lower earner
Replies: 3
Views: 459

Re: Weekend in Tucson - Kids' Birthday

Yep, the apostrophe in Kids' is in the right place. I will be in Tucson, AZ for the 1st time this weekend, with my twin boys, who are turning 12. Just looking for things we can do there, and maybe something special since it is their birthday. We are on a long roadtrip from Virginia, and have hiking...
by HueyLD
Thu Aug 14, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Weekend in Tucson - Kids' Birthday
Replies: 19
Views: 876

Spousal SS benefit for older and lower earner

I have done research on SSA sites among others, but I couldn't get a good answer on my friend's situation. So, I am looking for help from SS experts on the forum. My friend turns 66 and her husband turns 63 this year. Neither has filed for SS benefits. She was a stay at home mom for many years and h...
by HueyLD
Thu Aug 14, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spousal SS benefit for older and lower earner
Replies: 3
Views: 459

Re: How do you address your inlaws and being addressed?

sscritic wrote:It must be cultural. In my Chinese soap operas, as soon as you are engaged, you call your future in-laws Mom and Dad or the equivalent.

Really?
by HueyLD
Fri Aug 08, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4737

Re: Finding witnesses for a trust document

Does the witness have to read the docs or just observe you sign? If the latter why not just ask a friend or coworker since they can't see anything anyway? I ask because we soon will be doing our wills and trust and don't know the process. As sscritic said earlier, the rules are state dependent. In ...
by HueyLD
Fri Aug 08, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finding witnesses for a trust document
Replies: 31
Views: 1304

Re: Finding witnesses for a trust document

The trust doc one signs in one state is usually valid across the state line. However, I would not intentionally go to a state that is not my current home state to sign a new trust doc. That's what my attorney told me.
by HueyLD
Fri Aug 08, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finding witnesses for a trust document
Replies: 31
Views: 1304

Re: Finding witnesses for a trust document

sscritic wrote:Maybe the OP can go to a state nearby that doesn't require witnesses.

I don't think that's a good idea.

It is prudent to have one's trust doc notarized and witnessed in the state where one lives.
by HueyLD
Fri Aug 08, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finding witnesses for a trust document
Replies: 31
Views: 1304

Re: what gender are you?

I am confused.

What is other?
by HueyLD
Wed Aug 06, 2014 11:52 am
 
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 4943

Re: Why would anyone buy a deferred income annuity?

Does the ObviousInvestor blogger, have An AARP card or does he carry ID for proof of age for liquor purchase? The latter. :) But that doesn't stop him from understanding SS, among other things. He knows more about SS than most people 40 years older than he is. Age doesn't matter when it comes to kn...
by HueyLD
Mon Aug 04, 2014 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why would anyone buy a deferred income annuity?
Replies: 59
Views: 4628

Re: Drought Management

I recently took the Hoover Dam tour and was able to go deep inside the dam. The tour guide said that the long term drought diminished the dam's ability to generate electricity and it could only provide electricity for peak demand.

I think we all need to do some rain dance.
by HueyLD
Sun Aug 03, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 3042

Re: How often do you replace bath towels?

Enter the house is a good way to express it. The last bath towels that entered my house came as gifts. I guess my DIL couldn't stand seeing my ratty old towels, not that she had ever used one. With a DIL like her, who needs to buy new towels? To the OP, buy new ones when you think you need them, no...
by HueyLD
Sat Aug 02, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 3746

Re: Medicaid look-back

It doesn't make sense if the 5-year look back is waived for in-home care eligible for Medicaid reimbursement. Too much temptation for abuse. Again your state may say otherwise, but you will have to check with the state agency. I found another article written by an Elder Law firm in NJ. and it says: ...
by HueyLD
Thu Jul 31, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid look-back
Replies: 9
Views: 1032

Re: Medicaid look-back

Found another .gov link and it does say that Medicaid will pay for in-home custodial care. However, as the previous poster indicated, check with your own state agency. Medicaid is a joint federal and state government program that helps people with low income and assets pay for some or all of their h...
by HueyLD
Thu Jul 31, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid look-back
Replies: 9
Views: 1032

Re: Medicaid look-back

Richard, I read in this Kiplinger letter that nursing home care is required for Medicaid. "Remember, though, that Medicaid is not an ideal solution even if you can protect some assets. "Medicaid comes up short in protecting your freedom of choice," says Ryan. You or your parent would ...
by HueyLD
Thu Jul 31, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid look-back
Replies: 9
Views: 1032

Re: state income tax withheld from IRA distribution?

This part of Vanguard instructions is confusing. For example, it says: "Residents of Indiana, Louisiana, Maryland, Missouri, Montana, New Jersey, New Mexico, New York, Utah, and Wisconsin: State tax may be withheld regardless of your federal withholding election. Vanguard will or won’t withhold...
by HueyLD
Thu Jul 31, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: state income tax withheld from IRA distribution?
Replies: 44
Views: 1903

Re: Gift Tax for opening an 529 account for youself

I agree with sscritic that if you name yourself as the beneficiary, there is no gifting involved. 529 plans are sort of unconventional because you are allowed to name yourself as the beneficiary. I think a parent may use this technique to name himself/herself as the beneficiary before the child is b...
by HueyLD
Thu Jul 31, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Gift Tax for opening an 529 account for youself
Replies: 12
Views: 901

Re: Two days in Little Rock, AR - What to do and see?

If you go to the HSNP and expect to see a national park, sorry it isn't. It is a nice city park with bath houses and don't expect to see any hot springs in the open because all the thermal energy is channeled to various bath houses.
by HueyLD
Thu Jul 31, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1494

Re: Two days in Little Rock, AR - What to do and see?

Agree with the Central High and Little Rock Nine visit if you are truly interested in this chapter of history in Little Rock and the country.

Heifer International is another very good one of a kind place.
by HueyLD
Thu Jul 31, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1494

Re: Two days in Little Rock, AR - What to do and see?

Appreciate the response from everyone. I think we're going to focus our energy into the Presidential library, the Big Dam, and Pinnacle mountain. For those that have hiked the mountain, how "toddler" friendly is it? Is it feasible to have a toddler on my back and complete the hike (relati...
by HueyLD
Wed Jul 30, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1494

Re: state income tax withheld from IRA distribution?

O.k., folks. Vanguard made a carefully decision to withhold state taxes only when required by law. It is expensive to have to collect and file taxes with states. It's one way to hold down the cost. If tax withholding is important to you, you may want to transfer your money elsewhere. It's hard to ha...
by HueyLD
Wed Jul 30, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: state income tax withheld from IRA distribution?
Replies: 44
Views: 1903

Re: Two days in Little Rock, AR - What to do and see?

My family will be travelling through Little Rock, AR, in the near future and we thought we'd spend a few days checking out the area. Anyone have any suggestions on what to visit? Where to stay? Local restaurants? Travelers include two adults and a toddler. Any insight would be greatly appreciated! ...
by HueyLD
Tue Jul 29, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1494

Re: Vanguard quietly adds longevity annuities

Roth IRAs are not QLAC because no RMD is required. I don't see why you cannot direct the annuity payouts back to the Roth IRA. However, longevity annuity payments from T-IRA will be considered RMD and one cannot put RMD back to the T-IRA. https://www.federalregister.gov/articles/2012/02/03/2012-2340...
by HueyLD
Sat Jul 26, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 85
Views: 6825

Re: A question on long term care insurance

I also helped another elderly person with her tax returns. She received LTCI benefits from Genworth for about three months and she was very happy with the experience.

Again, I merely share my experience as a volunteer and I have absolutely no affiliation with any insurance company.
by HueyLD
Sat Jul 26, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: A question on long term care insurance
Replies: 18
Views: 986

Re: A question on long term care insurance

Consequently, I'm interested in hearing about other consumers' actual experiences with LTC payments. I recently helped an elderly person with her L/T care insurance issues and she had LTCI with Genworth. Her claims experience was quite satisfactory and she was paid for qualified LTC expenses for th...
by HueyLD
Sat Jul 26, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: A question on long term care insurance
Replies: 18
Views: 986

Re: Treasury Direct--just blowing off steam

sscritic wrote:The form says you can't use it to remove a bank. It says add a bank then go online to remove the bad bank. Is there a two bank limit? In that case you can't add a second bank as a method of removing the old bank. Just speculating.

Sscritic's guess is probably right.
by HueyLD
Fri Jul 25, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4192

Re: Treasury Direct--just blowing off steam

Nisiprius,

I think the TD employee made an honest mistake entering your new bank info. It will be fixed in due time. Best of luck to you.
by HueyLD
Fri Jul 25, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4192

Re: Do you have State Farm Emergency Road Service?

I haven't used mine, but my ladyfriend used hers a few times in 2011-2010 before her car finally died. Our mechanic would have her car towed from where it had broken down to his repair shop (close by) then work on it. She would make a copy of the work order which included the towing charge shown se...
by HueyLD
Fri Jul 25, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Do you have State Farm Emergency Road Service?
Replies: 4
Views: 472

Re: Do you have State Farm Emergency Road Service?

My agent tells me there are no limits on the amount of times you call and it will not affect my policy. Has anyone used State Farm's Emergency Road Service? Is it as good as AAA? I'm thinking of canceling my AAA membership. I think your agent lied. I was with State Farm for many years and carried t...
by HueyLD
Fri Jul 25, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Do you have State Farm Emergency Road Service?
Replies: 4
Views: 472

Re: Rich Spouse, Poor Spouse

Get a divorce and continue to live happily together.
by HueyLD
Thu Jul 24, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5698

Re: Will not using my dishwasher cause problems?

sscritic wrote:When I cook rice, I have leftovers. I put the rice pot in the fridge.

My high end rice cooker specifically indicates not to leave any food in it for longer than necessary. I guess it is cheaper to wash it than having to buy another one. :shock:
by HueyLD
Thu Jul 24, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 3091

Re: Will not using my dishwasher cause problems?

In my previous residence, I didn't use the DW because I didn't like it for some stupid reason. Well, I decided to run the machine a few years later before selling the house. It did not run at all. So, I had to replace the machine that was never used. To solve the lack of enough dishes issue, I bough...
by HueyLD
Wed Jul 23, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 3091

Re: Will not using my dishwasher cause problems?

You need to run your dishwasher NOW!

It may already be broken because dishwashers are built to be used regularly.
by HueyLD
Wed Jul 23, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 3091

Re: Problems accessing the site

Send Alex a PM. I had similar problems in the past and Alex fixed it.
by HueyLD
Mon Jul 21, 2014 1:59 pm
 
Forum: Forum Issues and Administration
Topic: Problems accessing the site
Replies: 6
Views: 594

Re: If You Can Free Kindle/NOT Free Paperback Available

"For years I've thought about an eleemosynary project to help today's young people invest for retirement because, frankly, there's still hope for them, unlike for most of their Boomer parents ." Really? Evidence? We do know that boomers, to a great extent, expect to work longer than the t...
by HueyLD
Fri Jul 18, 2014 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: If You Can Free Kindle/NOT Free Paperback Available
Replies: 9
Views: 1801
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