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by littlebird
Tue May 19, 2015 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 15
Views: 1120

Re: Moving Vanguard Funds to a broker?

I would say MUCH more common for Vanguard's agent policy is that an agent is acting on behalf of a client who doesn't know what they're doing. Taking an agent off isn't difficult. So imagine, for example, if I'm an agent for my elderly mother and she goes online and clicks to remove me. I hope Vang...
by littlebird
Tue May 19, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 15
Views: 1120

Re: Moving Vanguard Funds to a broker?

Does not ERISA force brokers to contact spouses when beneficiaries on an IRA, 403(b), or 401(k) change? See, e.g., http://www.nytimes.com/2012/09/12/business/retirementspecial/spouses-consent-is-required-to-change-retirement-account-beneficiary.html This wasn't a beneficiary change. It was an agent...
by littlebird
Tue May 19, 2015 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 15
Views: 1120

Re: Moving Vanguard Funds to a broker?

Yes, you can transfer regular mutual funds and ETFs in kind to most of the other big brokers. I guess I'll bite on the other side of this - all major brokers handle hundreds of thousands of transactions and customer interactions a day. None can get 100% correctly handled every time. All will work t...
by littlebird
Tue May 19, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 15
Views: 1120

Re: Moving Vanguard Funds to a broker?

Littlebird could you possibly explain what's "scary"? I dream of simplifying by someday having all accounts at Vanguard so reading scary scares me! :shock: Can you share any more info?Thanks. The scary part is that they initiate actions that seem to me to be completely "out of the bl...
by littlebird
Tue May 19, 2015 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 15
Views: 1120

Moving Vanguard Funds to a broker?

I am becoming more and more disenchanted with what I consider Vanguard's poor legal/custodial/communication decisions (not with their investment ones). One such has already caused me damage; a new one did not damage me personally, but had the potential to, and I'm losing confidence in their ability ...
by littlebird
Sat May 16, 2015 5:28 pm
Forum: Personal Consumer Issues
Topic: Huge Problem With First Home
Replies: 28
Views: 4776

Re: Huge Problem With First Home

This may not be any consolation, but the termites here in AZ are called "dryland termites". They are considered much less destructive than "regular" subterranean termites. Your damage may not go beyond the paper. They LOVE paper. I had some crawl up the side of a stud and drill t...
by littlebird
Sat May 16, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Executor of Will ignores instructions in will!
Replies: 21
Views: 4344

Re: Executor of Will ignores instructions in will!

dbr wrote:
Lafder wrote: But the OP does not say the house ever was in the brother's name.


"At the reading of the will the house was already in the name of my wife's brother"
by littlebird
Sat May 16, 2015 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Funding / accounting for big purchases in retirement
Replies: 3
Views: 302

Re: Funding / accounting for big purchases in retirement

26 years into retirement - cash is always a part of my fixed income allocation. Therefore I always have $15,000 to $30,000 in cash between checking account and money market account. I usually have CDs coming due 2 -4 times a year and there's the RMD available to be taken anytime during the year, sho...
by littlebird
Sat May 16, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: Home Prices Are Way Too High
Replies: 26
Views: 3601

Re: Home Prices Are Way Too High

Yeah. My FIL told my spouse and me the very same thing in 1967 when we wanted to buy a house on Long Island for $20,000. "Wait and prices will go down", he advised. "They'll never get these prices". And this man was a college-educated CEO of a medium sized business. Fortunately, ...
by littlebird
Thu May 14, 2015 8:30 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 4962

Re: Why is Vanguard's Web Site So Bad?

It's not only their website. Their communications by phone and mail are, in my opinion, amateurish and unprofessional and have not improved since I became a customer in 1992, despite their enormous growth. :annoyed
by littlebird
Thu May 07, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: video camera?
Replies: 14
Views: 831

Re: video camera?

Do you have a smart phone with a camera? Do you want a smart phone? You could feed two birds with one scone. Have a simple phone. Don't want a smart phone. Seems like it would be cheaper to get an adequate video camera than a smart phone plus some contract. You don't need a smart phone with a contr...
by littlebird
Thu May 07, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank
Replies: 4
Views: 563

Re: Synchrony Bank

I got their new 5% -off -at -Amazon card. It needed no activation. When I tried to contact them to change my mailing address to my P.O. box (they didn't allow P.O. boxes on application), I was completely unable to contact them. On the phone attempt: "did you say 5?", "did you say 7?&q...
by littlebird
Wed May 06, 2015 8:37 pm
Forum: Forum Issues and Administration
Topic: Slow speed
Replies: 12
Views: 762

Re: Slow speed

So slow on my windows laptop as to be very nearly unusable. 5 - 10 seconds from click to result. :annoyed
by littlebird
Sat May 02, 2015 11:38 pm
Forum: Personal Consumer Issues
Topic: Prescott and Prescott Valley Arizona
Replies: 8
Views: 820

Re: Prescott and Prescott Valley Arizona

Do you like living in a small town? Prescott has the same population (~40,000) as my active senior community, but my community is embedded in a large metro with all the services and amenities one needs as one gets older. Please rent first.
by littlebird
Fri May 01, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal Credit Union May Specials
Replies: 4
Views: 1242

Re: Navy Federal Credit Union May Specials

Thanks for the post. It reminded me to check Penfed CU and sure enough, their 1-year CD went up from 1.00% to 1.30% today! I always have my maturing CDs paid into my regular share account so that I have the money ready for such a sale! :moneybag :D
by littlebird
Fri May 01, 2015 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5262

Re: House Next Door for Sale...Kind Of: Ethics Issue?

I know there's a tax reason for a landlord who now wants to sell his rental property to also advertise it for rent (as well as for sale). This is so that if it does not sell and he has to rent it out again, all his expenses during the "empty" period will be deductible since he was "ho...
by littlebird
Fri Apr 24, 2015 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 10
Views: 741

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

alpenglow wrote:because some people had to abuse the gift card thing. :annoyed


Yes. Anyone who used it more than me!
by littlebird
Tue Apr 21, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Potential new home is well-priced, but...
Replies: 31
Views: 2836

Re: Potential new home is well-priced, but...

scone wrote: Keep the palm trees, they probably don't use as much water as a lawn!

Agree, except for Canary Island Palm (looks like a pineapple)
by littlebird
Tue Apr 21, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 2310

Re: TX, MT, CO, and NM Comparative Tax Burden

Haven't lived in NM in many years, so things may have changed, but there used to be a tax on every goods or labor transaction (except newspapers) called "gross receipts tax". I don't know if this is what you're calling "sales tax" or if that's a Santa Fe city tax you're citing. C...
by littlebird
Tue Apr 14, 2015 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 55
Views: 7877

Re: Don't come to Europe with a new chip and sign credit car

From what I've read, one of the barriers to chip-and-pin adoption in the US is not our "stupidity", but rather the fact that the average American has several credit cards whereas most Europeans have only one or two. Having to remember five different pins would be a burden for most people,...
by littlebird
Fri Apr 10, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5296

Re: On a budget and Friday night

Supermarket, then whatever is on over-the-air PBS. A chocolate nibble and water before bed.
by littlebird
Fri Apr 10, 2015 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5230

Re: Prenup

(something simple; e.g. in the event of a split, each party's pre-marital assets stay with the individual, assets collected during marriage get divided based on percentage of income) No credit for staying home to take care of children? Cutting back on hours to take care of elderly in-laws? One part...
by littlebird
Thu Apr 09, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 3141

Re: How smart are thermostats?

With a heat pump you don't want big bump ups in temperature, which would cause the resistance heat to come on. This would more than negate any savings from the lowered temperature. By big bump up I mean more than 2-3 degrees at a time in cold weather. I'm sure some far more knowledgeable people wil...
by littlebird
Thu Apr 09, 2015 3:15 pm
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 3141

Re: How smart are thermostats?

With a heat pump you don't want big bump ups in temperature, which would cause the resistance heat to come on. This would more than negate any savings from the lowered temperature. By big bump up I mean more than 2-3 degrees at a time in cold weather. I'm sure some far more knowledgeable people will...
by littlebird
Thu Apr 09, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 3432

Re: Should I buy extended warranty for our new Toyota Sienna

I don't know if you should, but I did - for 2 reasons: Although my beloved 2000 Sienna needed only 2 (both were the liftgate latch) repairs in 14 years, my new 2014 is NOT my old Toyota. It's a computer on wheels; different enough that I consider it a whole new and untried product. Second, my spouse...
by littlebird
Mon Apr 06, 2015 6:26 pm
Forum: Personal Consumer Issues
Topic: anyone have experience with water softeners?
Replies: 41
Views: 1872

Re: anyone have experience with water softeners?

[quote=". My system was in my house when I bought it, so it has to be more than 15 years old, and I'm still using the same beads. From what I understand, the beads themselves last a long time, though I don't know how much longer I can expect. I am on municipal water and sewer systems, so the sa...
by littlebird
Mon Apr 06, 2015 1:09 am
Forum: Personal Consumer Issues
Topic: anyone have experience with water softeners?
Replies: 41
Views: 1872

Re: anyone have experience with water softeners?

I lived most of my life in a moderately soft water area, then moved to a moderately hard water area. There was a big difference in dish washing results, in my opinion, and in the condition of plumbing equipment, for the worse. But I didn't really believe in or care for a water softener. After 18 yea...
by littlebird
Tue Mar 31, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 4716

Re: How long do sofas really last

My 33 year-old moderately priced velvet covered sofa is just starting to show its age: 1 seam slightly opening, springs noticeably losing firmness. No children in home during its tenure and long-legged spouse taught not to sit with legs straight out and thighs pressing down on front edge - this posi...
by littlebird
Fri Mar 27, 2015 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Benefits of setting up a Trust Account
Replies: 16
Views: 2150

Re: Benefits of setting up a Trust Account

I would do a TOD or POD over an account they get for sure at a certain age. This way the account is under your control and you can delay or give sooner based on individual circumstances. lafder But if the OP were to die, the beneficiaries if still minors, could not be paid the money until a guardia...
by littlebird
Fri Mar 27, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Placing brokerage account into a living trust
Replies: 14
Views: 1225

Re: Placing brokerage account into a living trust

if you want a co-trustee or successor trustee to be able to manage your brokerage account if you become unable to do so, then yes, of course you must title it in your trust. To me, that is THE reason for having such a trust.
by littlebird
Tue Mar 24, 2015 12:19 am
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4159

Re: VBRO and Airbnb versus property values

These are SFR but all are in a big Planned Area Development where HOA owns and maintains streets and several commons areas and facilities. So the HOA does a lot of stuff. How do you tell if they have this power? You should have been given a set of CC&Rs when you bought in, and addenda when new ...
by littlebird
Mon Mar 23, 2015 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4159

Re: VBRO and Airbnb versus property values

Anyone can sue, for any reason at all. The real question is whether you feel you have enough skin in the game to want to align yourself with the HOA come what may.
by littlebird
Thu Mar 19, 2015 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring House Deed from another State to Our Trust
Replies: 5
Views: 674

Re: Transferring House Deed from another State to Our Trust

If you feel competent to produce an appropriate Illinois deed in the form that the registrar of deeds ( or whichever is the designation of the county official who keeps deeds on file) requires, and you have a way to comply with whatever means of delivery that official accepts, then you can do it you...
by littlebird
Sat Mar 14, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: Friend Leased A Car With Free Maintenance Now Dealer Gone
Replies: 9
Views: 1756

Re: Friend Leased A Car With Free Maintenance Now Dealer Gon

If it was a dealership program for which he had paid, he should have received notice from the bankruptcy court that he was an unsecured creditor in a bankruptcy proceeding. Then he would have been able to file his claim with the court, if he wanted to bother. If he never received such a notice and h...
by littlebird
Thu Mar 12, 2015 8:32 pm
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3734

Re: An arm and a leg ... for a middle finger?

So you are being charged for a surgery that you didn't get? :annoyed Unlike the previous posters, who may all be "pulling your leg", I don't believe you are obligated to pay an outrageous bill (even from a doctor). Comparison - cataract surgery: 2 pre-op visits, surgery, 3 post op visits, ...
by littlebird
Tue Mar 10, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Slate Article: Dream on Babyboomers-Semiretirement is a Myth
Replies: 20
Views: 3117

Re: Slate Article: Dream on Babyboomers-Semiretirement is a

Don't worry. I'm old enough to remember that boomers weren't going to "sell out" and move to the suburbs and buy "little houses made of 'tickey tack'". Until they did. :)
by littlebird
Mon Mar 09, 2015 6:58 pm
Forum: Personal Consumer Issues
Topic: roomy car for transporting elderly with walkers, etc
Replies: 15
Views: 1004

Re: roomy car for transporting elderly with walkers, etc

The Sienna is ideal with the addition of a low but broad, lightweight but sturdy, plastic step, which can be bought at Amazon.
by littlebird
Mon Mar 09, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Homemade Gluten Free Granola Bars
Replies: 4
Views: 453

Re: Homemade Gluten Free Granola Bars

you could search here:

http://listserv.icors.org/SCRIPTS/WA-IC ... ?A0=celiac

or even better, join and ask the question there. It's the Bogleheads.org of celiac disease.
by littlebird
Sun Mar 08, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Disposing of old greeting/holiday cards
Replies: 21
Views: 1201

Re: Disposing of old greeting/holiday cards

stan1 wrote:The way we handled this with my mom is that we gave her about 10 years of notice that she would get to a point where she could no longer live alone.


As a senior person myself, I'm curious as to what age your mom was when you gave her a 10 year notice of future senescence.
by littlebird
Fri Mar 06, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can Medicaid Look Back Here?
Replies: 10
Views: 1515

Re: Can Medicaid Look Back Here?

Since the gift is completed only when the uncle dies (he could have changed it prior to death), I believe the lookback period starts at his death. Aunt or someone on her behalf needs some good legal advice now, or it could get ugly. Medicaid doesn't need to go against the niece; it just needs to den...
by littlebird
Mon Mar 02, 2015 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Questions to ask a living trust attorney during initial meet
Replies: 26
Views: 2395

Re: Questions to ask a living trust attorney during initial

scifilover wrote:

Every state has rules that stipulate reporting requirements for a trustee.

.


Not true.
by littlebird
Mon Mar 02, 2015 7:08 pm
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 65
Views: 6592

Re: Wife doesn't want to retire - I do

I have no advice to give you, because I still don't understand why it didn't work out well for my parents. He was 10 years older than her and lost his job in the '73 recession. He was about 64 and was not too unhappy about calling it a retirement. She had only started to work outside the home in her...
by littlebird
Mon Mar 02, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 4278

Re: Retiree Poll: Satisfaction with retirement

It's apparently what I was born to do! :beer
by littlebird
Mon Mar 02, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: Landlord requested addendum to lease
Replies: 24
Views: 2237

Re: Landlord requested addendum to lease

We're renting a home with multiple buildings on the property in California. We're about ~1 year into a 2 year lease. The pipes have had repeated issues and the tenants in 2 units in the other building were displaced for ~3 weeks while the plumbing was repaired. Our pipes started clogging ~4 weeks, ...
by littlebird
Mon Mar 02, 2015 4:04 pm
Forum: Personal Consumer Issues
Topic: What source do you use for nursing care feedback?
Replies: 6
Views: 550

Re: What source do you use for nursing care feedback?

I assume you are talking about home health care, that is, non-professionals. eg., someone come in to help with bathing, meal prep etc. For that, I use a neighborhood office that I am familiar with (I live in a huge senior community). For professional medical care, eg., physical therapy, nursing care...
by littlebird
Sat Feb 28, 2015 8:27 pm
Forum: Personal Consumer Issues
Topic: airbnb tips?
Replies: 20
Views: 1824

Re: airbnb tips?

[quote="ResearchMed We also use Craigslist to list, and that's been surprisingly good, with excellent results, once we toss out the usually-very-obvious spam. I initially expected dismal results and lots of fraud attempts, but not so. RM[/quote] I too have gotten excellent snowbird tenants thro...
by littlebird
Sat Feb 28, 2015 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities and Asset Allocation
Replies: 17
Views: 1206

Re: Annuities and Asset Allocation

I have owned a Vanguard Variable Annuity for 14 years. It never had any penalties and I never wanted to get out of it. I have complete control over what it's invested in. It's pretty much like a Vanguard mutual fund, but with slightly higher ERs. It provides me with tax-deferred space for income-pro...
by littlebird
Thu Feb 26, 2015 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard change of address - word of warning!
Replies: 7
Views: 1486

Re: Vanguard change of address - word of warning!

Yes, I'm familiar with that practice when you submit a change of address... I just don't follow what exactly happened to OP. Did the OP neglect to update the "street address" when s/he moved? Yes, since my mailing address - the post office box - remained the same. I didn't know they neede...

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