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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 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of setting up a Trust Account
Replies: 16
Views: 1897

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
Fri Mar 27, 2015 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Placing brokerage account into a living trust
Replies: 7
Views: 491

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
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: 3868

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
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: 3868

Re: Hearse as daily driver?

by littlebird
Fri Mar 20, 2015 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3722

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
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: 622

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
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: 1701

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
Thu Mar 12, 2015 8:32 pm
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3449

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
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: 2919

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 6:58 pm
 
Forum: Personal Consumer Issues
Topic: roomy car for transporting elderly with walkers, etc
Replies: 15
Views: 953

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
Mon Mar 09, 2015 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Homemade Gluten Free Granola Bars
Replies: 4
Views: 434

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
Sun Mar 08, 2015 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Disposing of old greeting/holiday cards
Replies: 21
Views: 1073

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
Fri Mar 06, 2015 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can Medicaid Look Back Here?
Replies: 10
Views: 1405

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 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions to ask a living trust attorney during initial meet
Replies: 26
Views: 2168

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 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 65
Views: 6113

Re: Retiree Poll: Satisfaction with retirement

It's apparently what I was born to do! :beer
by littlebird
Mon Mar 02, 2015 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 4021

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 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Landlord requested addendum to lease
Replies: 24
Views: 2132

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
Mon Mar 02, 2015 4:04 pm
 
Forum: Personal Consumer Issues
Topic: What source do you use for nursing care feedback?
Replies: 6
Views: 498

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 8:27 pm
 
Forum: Personal Consumer Issues
Topic: airbnb tips?
Replies: 20
Views: 1693

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
Sat Feb 28, 2015 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuities and Asset Allocation
Replies: 17
Views: 1167

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...
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: 1344

Re: Vanguard change of address - word of warning!

Not understanding. Why would you or anyone else give an address at a place where you no longer live "for their records"? I didn't. I gave them my current street address, but the old street address was apparently still in their system, even though I changed it to a P.O. box mailing address...
by littlebird
Thu Feb 26, 2015 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard change of address - word of warning!
Replies: 7
Views: 1344

Vanguard change of address - word of warning!

If you use a post office box for receipt of your Vanguard statements, be very cautious if you're asked for your street address ("just for our records"). If it's not the same as the street address Vanguard already has on file, no matter how long ago you changed that address to the P.O. Box,...
by littlebird
Thu Feb 26, 2015 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard change of address - word of warning!
Replies: 7
Views: 1344

Re: Vanguard sued for charging too little

However, the law is a parallel universe where most of our real world concerns are moot. If you cheat on taxes so you can pay your spouse's medical bills, you still will get nailed. Such is life. . So if the law were a part of our universe instead of being a "parallel" one as you claim, wh...
by littlebird
Wed Feb 25, 2015 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 280
Views: 46493

Re: Maintenance free landscaping a front yard

Thanks for the info, Benny. Do you have favorite plants that look great and thrive? I'm In San diego. I'm Replacing a 2000 sq ft flat rectangular lawn and my budget is 4000$, any ideas or suggestions? I'm not Benny, but if you want to do this, you're going to have to put some time and effort into i...
by littlebird
Fri Feb 20, 2015 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2614

Re: Are banks required to deposit third party endorsed check

That used to be a normal part of banking procedure. That why the checks say "Pay to the order of", or in other words, pay to whomever this person says to pay. Now, however new laws meant to curtail money laundering and funding of terrorists have superseded, or are claimed to supersede, old...
by littlebird
Fri Feb 20, 2015 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2877

Re: Maintenance free landscaping a front yard

Google the word "xeriscaping".
by littlebird
Thu Feb 19, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2614

Re: How often do you purchase EE bonds?

I guess that would be once in 73 years. I bought some in 1962 and not since. :D
by littlebird
Thu Feb 19, 2015 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do you purchase EE bonds?
Replies: 8
Views: 814

Re: What is your favorite consumer product?

Low sodium V8.
by littlebird
Wed Feb 18, 2015 6:40 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 11379

Re: Anyone have issues streaming Amazon Prime instant video?

I stream Amazon Prime thru my Roku 2 and don't have any buffering, but the picture has gotten very small, about 8 x 10, in the center of my screen.. I called Roku and they checked with Amazon. Amazon said that's what they're sending, to save bandwidth. Since we use it for foreign films, with sub-tit...
by littlebird
Wed Feb 18, 2015 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have issues streaming Amazon Prime instant video???
Replies: 9
Views: 697

Re: Streaming music on demand

My Pandora One (no ads) service just went up to $50/year (from $36). Still a good deal for me.
by littlebird
Wed Feb 18, 2015 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Streaming music on demand
Replies: 16
Views: 697

Re: Expecting a big inheritance - Should it change my life?

quote bsteiner "An "income only" trust (a trust where the client puts assets into a trust, and retains the income but not the principal) is a common Medicaid planning technique. After five years, the principal is protected against Medicaid, though the income has to be used toward the ...
by littlebird
Mon Feb 16, 2015 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8225

Re: Expecting a big inheritance - Should it change my life?

Hi OP, If I were you, I would be telling my relatives to enjoy their own money to the fullest extent. Tell your parents and aunt to plan a Maui vacation for themselves, go to nice restaurants, etc. Tell them you plan on taking care of yourself financially, and they should just enjoy their own hard-...
by littlebird
Mon Feb 16, 2015 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8225

Re: Expecting a big inheritance - Should it change my life?

It just struck me. Your mother, who is in her 70's, is the trustee for the irrevocable trust of your aunt, who is in her 80's? What is your mother's mental and physical capacity now, and her knowledge/understanding of what she should know/understand in order to make the best decisions for your aunt...
by littlebird
Mon Feb 16, 2015 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8225

Re: Time to finally purchase nice bedding - thoughts?

. . . preferred a king top sheet because that way I wouldn't fight with my husband over having enough sheet, and there wouldn't be drafty edges. . That why I like this style: http://www.theeasysheet.com/ although I haven't tried this brand yet. BB&B discontinued carrying the one I now use and l...
by littlebird
Fri Feb 13, 2015 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Time to finally purchase nice bedding - thoughts?
Replies: 25
Views: 2184

Re: Safe Deposit Box Account Title (Revocable Trust or Joint

Our revocable trust was created for the express purpose of allowing a successor trustee to take over for us when the second of us (probably me) needs help. Our deeds, car titles, insurance papers, I-bonds, CDs, marriage and discharge papers and many other documents are in our safe deposit box. If ou...
by littlebird
Tue Feb 10, 2015 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Safe Deposit Box Account Title (Revocable Trust or Joint)
Replies: 5
Views: 426

Re: Bank Deposit - Receipt

I would insist on a receipt or change banks. Many years ago, a well-regarded, now defunct, New York bank, (with a rhyming nick-name), had an inside job robbery in which a bag a checks disappeared. :moneybag My deposit did not show up on my monthly statement and I was told to have my client - to whom...
by littlebird
Mon Feb 09, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Deposit - Receipt
Replies: 21
Views: 1441

Re: Found $100 Bill at Walmart

Last night I came home from the supermarket with a package of pork chops that wasn't mine. I got back in the car and returned it to the cashier who had checked me out, in case the person to whom it belonged came back for it. I don't eat pork chops, so it was easy to do, although it was a pain to get...
by littlebird
Sat Feb 07, 2015 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 11825

Re: For those who have living trusts...

Absolutely a positive thing to do regardless of the asset base. You do not have to open new accounts, just retitle them in the name of the Revocable Trust. Tim I think that depends on where the account is held. I do know that Fidelity requires you to a open a Trust Account. (which is different than...
by littlebird
Thu Feb 05, 2015 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 43
Views: 4995

Re: Real estate planning and a parent who lives overseas

DeerRunner wrote:Yeah, the divorce thing has come up before. While what you describe may be one path, sounds like a lot more expensive and complicated then doing the Quit Claim thing. . :oops:


Yes. But it's a legal way. And your wife could not then be charged with self dealing in exercise of her POA.
by littlebird
Thu Feb 05, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate planning and a parent who lives overseas
Replies: 13
Views: 758

Re: What if you did not know you were a beneficiary

When you say the "lock box" was "amiss", are you talking about a home safe or a bank safe deposit box?
by littlebird
Thu Feb 05, 2015 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if you did not know you were a beneficiary
Replies: 19
Views: 3589

Re: Real estate planning and a parent who lives overseas

Has your MIL considered divorce? This would involve having the court tell you how to give him "constructive" notice after your attempts to give actual notice fails. The court could then be petitioned to grant ownership of the house to your MIL and the court would make a ruling as to how th...
by littlebird
Thu Feb 05, 2015 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate planning and a parent who lives overseas
Replies: 13
Views: 758

Re: Pull permits for a minor remodel?

Why wouldn't you pull a permit?! Sometimes local politics become so toxic that it's more than the job is worth to pull a permit. That happened in my county. The permit office started demanding updated plot plans of the entire property, inside and out, with every change of landscaping and DIY projec...
by littlebird
Thu Feb 05, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Pull permits for a minor remodel?
Replies: 35
Views: 3056

Re: For those who have living trusts...

What's the advantage of titling the accounts in trust's name vs. just naming the trust as the beneficiary? Having all your possessions - including your home - in a trust allows someone else to step in fairly painlessly when you, or the second of you if a couple, can no longer or want to no longer, ...
by littlebird
Wed Feb 04, 2015 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 43
Views: 4995

Re: Vanguard survey: what should they do differently?

I wish their phone-answering recording would not say: "As a commitment to quality service, your call may be monitored". Many things have changed over the two decades or more that I have been with Vanguard, but this klutzy, ungrammatical sentence endures.
by littlebird
Tue Feb 03, 2015 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4305

Re: Do retired Bogleheads have rising net assets?

Retired 26 years on 1 very modest pension and 1 1/2 s.s.'s. We live on that comfortably, especially as the years went by and net worth increased. Only w/d from assets for capitol purchases. Net worth has increased 444.444%, which includes a modest inheritance. 2014 may have been the last year of ris...
by littlebird
Mon Feb 02, 2015 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4498

Re: MediCare and ? What are your out of pocket costs please.

Annual: Someone mentioned physical therapy - I believe Medicare pays for twenty visits a year. Here if you pay for it yourself for additional sessions, it's about $75 an hour. Medicare is a garden of delight compared to pre-Medicare age health insurance. Re: physical therapy: by the time you need i...
by littlebird
Sun Feb 01, 2015 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 24
Views: 2372

Re: Trusting and shopping around for doctors

The idea of the Second opinion originated with insurance companies looking for a way to cut costs by providing less care. However, there's an important aspect to the idea that a Second Opinion will somehow save your bacon: What if the second opinion is the wrong one? Too cynical. :) People were get...
by littlebird
Fri Jan 30, 2015 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Trusting and shopping around for doctors
Replies: 32
Views: 2201

Re: Income on credit card application for high assets/low in

The purpose of income-producing assets is to produce income. Whether you actually live on the income or not is irrelevant, as is the issue of whether you pay taxes on this income or not. This is called "imputed" income and is used for many purposes. (Banks used it to grant loans and mortga...
by littlebird
Thu Jan 29, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 940

Re: Poll: Locating deceased person's assets

"Imagine that both your parents died at the same time and you had to sort everything out -- what information would make your task easier?"

Their mail.
by littlebird
Sun Jan 25, 2015 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Locating deceased person's assets
Replies: 33
Views: 2334
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