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Re: medicare claim payments to individuals - no eft???

It may not that the doc doesn't accept Medicare, it may be that s/he doesn't accept Medicare Assignment , which is the more usual system where you "assign" your right to payment to the doc. You (or your Medigap policy) would then pay the 20% balance. When the doc doesn't accept assignment,...
by littlebird
Sun Nov 23, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: medicare claim payments to individuals - no eft???
Replies: 4
Views: 554

Re: What do you splurge on?

Huckleberry jam
by littlebird
Fri Nov 21, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 148
Views: 8720

Re: Retirees' Regrets

None at all. We retired early (spouse) and very early (me), and as the first two posters recommend, we did our traveling in the first few years, had a wonderful time, then found a wonderful place to settle down in. Had we not retired early enough to have those healthy and vigorous years to enjoy, th...
by littlebird
Fri Nov 21, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 2848

Re: Standard questions on found stock certificate

You can bring them to a stock broker, who will transfer them for a fee, or you can contact the transfer agent for each corporation. Examine each certificate for the name of a bank (which probably has been merged since). Or google the name of the corporation and "transfer agent". They will ...
by littlebird
Fri Nov 21, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Standard questions on found stock certificate
Replies: 10
Views: 484

Re: Does anyone here make "fun" purchases.

Don't be too intimidated by research showing that it's "better" to spend on experiences, rather than "things. I say "phooey". We don't live for yesterday. An incident from a trip taken 30 years ago, or 17 years ago, may flip into your mind once in 5 or 7 years, if at all. (I...
by littlebird
Fri Nov 14, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6670

Re: White list +captcha type solutions for land-lines?

My phone is answered by a message which asks the caller to state their name and that we will pick up if at home; will call back if not at home. Friends, family, known household visitors and businesses that I have called first state their names and start talking. Robocalls occasionally babble on. Liv...
by littlebird
Fri Nov 14, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: White list +CAPTCHA type solutions for land-lines?
Replies: 6
Views: 471

Re: Health Insurance Question (Specialist Deeme"Out of Netwo

Did you check with your insurer to make sure that the "two kids are plenty" procedure is covered by your plan? I did a little googling, because many years ago my spouse's "no kids are plenty" procedure was not covered and at that time group plans were gold-plated and covered ever...
by littlebird
Thu Nov 13, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance (Specialist "Out of Network" [error])
Replies: 35
Views: 3292

Re: Health Insurance Question (Specialist Deeme"Out of Netwo

goodenyou wrote:Government insurance is not any better.


My government insurance - regular Medicare -is infinitely better. No networks, no referrals, no on-the-spot co-pay, no problems (in 22 years so far). I wish everyone had the insurance I have.
by littlebird
Thu Nov 13, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance (Specialist "Out of Network" [error])
Replies: 35
Views: 3292

Re: Florida Retirement Communities advice/thoughts

Too many surly elders down there. Spent December and January in Naples and never experienced so many crabby old farts in one spot. What is going on down there ? What is driving seniors to such irritability? Is it the humidity? Is it the Muzak? Is it the white shoes? Come visit us in the Arizona Sun...
by littlebird
Tue Nov 11, 2014 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Florida Retirement Communities advice/thoughts
Replies: 30
Views: 4533

Re: when will self-driving cars be a reality?

Automatic steering and safe following in a highway context.....we're there now. Car alerting you not to move when a guy driving an (unlit) supermarket sit-down cart through a dark parking lot is right behind you as you are exiting a parking space . . .We're there too! As I found out last night. Whew!
by littlebird
Sat Nov 08, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: when will self-driving cars be a reality?
Replies: 17
Views: 1121

Re: Poll: What is your Bond Allocation %?

In our younger working years, we held an aggressive portfolio - about 80% stock. Now, in our 70's and 80's, age (of the younger of us) in bonds feels just about right.
by littlebird
Sat Nov 08, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12121

Re: Uber Car and the real cost of driving

jebmke wrote:I plan to move before my driving skills decline. Then I will give up my keys gladly. From there, I plan to hoof it, use mass transit.


Reality check: When your driving skills decline, your hoofing skills may do likewise. :D
by littlebird
Fri Nov 07, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2780

Re: Investing when one spouse is older

Without a specific question, two things come to my mind: (I'm assuming, for purposes of simplicity in phrasing, that "he" is older than "she". Most importantly - Decide on the sequencing of your retirements, ie., will he 1) retire at a "normal" age and she continue to w...
by littlebird
Thu Nov 06, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing when one spouse is older
Replies: 10
Views: 956

Re: Ashley Furniture

If you're not comfortable buying from individuals on Craigslist, try to find some furniture consignment stores. Sometimes they clump together in one area. You'll pay a little more (and don't hesitate to make an offer) but the experience is less stressful. You may have to make several visits before y...
by littlebird
Mon Nov 03, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3311

Re: Shoes for the Garden

I wear a brand called "Sloggers". Don't remember where I got them, probable Amazon. I live in the desert and don't know that word "mud". :D I like them because the gravel (which is what we use instead of grass) doesn't get caught in the narrow cleats and get tracked into the house.
by littlebird
Mon Nov 03, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for the Garden
Replies: 23
Views: 1587

Re: I bought this new mattress….

I can feel a softening of a mattress after about 10 years. That's when I know I need a new one, or at least a bed board. Prior to that I've never noticed anything I'd call a "break in".
by littlebird
Mon Nov 03, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2228

Re: Payable on Death CD to Charity

You need to call the charity and ascertain its legal registered name. Unfortunately this will probably put you at the head of their list of potential donors to be contacted constantly. Perhaps if it's not actually a church, you could call your state's regulator of charities ( that might be the Sec o...
by littlebird
Mon Nov 03, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payable on Death CD to Charity
Replies: 3
Views: 470

Re: Automatic shutoff for water leaks?

I have these and they work. And how! Loud screetching alarm. I paid less than shown here; you might want to shop around.

http://www.amazon.com/Zircon-Leak-Alert ... k+detector
by littlebird
Sun Nov 02, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Automatic shutoff for water leaks?
Replies: 4
Views: 812

Re: CD rate change schedule

Surprised to see you write that Penfed rates are down. As far as I can see they went UP on Oct 1 and are still up, certainly from '13 and earlier this year. I grant they are down from several years ago. 5 year was 2.1% and 7 year was 2.3% yesterday (2014-10-31). Today they are both 1.75% at PENFED....
by littlebird
Sat Nov 01, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: CD rate change schedule
Replies: 10
Views: 2549

Re: CD rate change schedule

OAG wrote:PENFED just went early in the opposite direction (down).


Surprised to see you write that Penfed rates are down. As far as I can see they went UP on Oct 1 and are still up, certainly from '13 and earlier this year. I grant they are down from several years ago.
by littlebird
Sat Nov 01, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: CD rate change schedule
Replies: 10
Views: 2549

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

:?: Schwab and T Rowe Price have no problem offering a TOD on joint accounts. This is only operative following the second death. It provides continued probate avoidance if the second death occurs closely following the first death before the survivor has time to submit death certs, change to an indiv...
by littlebird
Fri Oct 31, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 23
Views: 2424

Re: Enrolling in Medicare - Question

I Traditional Medicare doesn’t allow one to go to any doctor s/he wants, only to any doctor who accepts Medicare assignment. In Medicare Advantage, one normally has to stay in the plan’s local network. Going to Mayo or Cleveland Clinic would require approval from the MA plan. On the other hand, if ...
by littlebird
Thu Oct 30, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enrolling in Medicare - Question
Replies: 14
Views: 1278

Re: New appliances - Stainless Steel or not?

If she wants it for fashion, she should note that the stainless steel look is headed out and white is coming in. White also has the advantage of being the classic color for kitchen appliances. No matter what is currently trendy, white always looks acceptable. Which is more than you can say for past...
by littlebird
Tue Oct 28, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3383

Re: Stairlift for my wife-need help

I understand you don't even have to buy one, if you don't want to or you think your wife will only need it for a short time; they can be rented. At least that's what I learned from Dr. Google.
by littlebird
Tue Oct 28, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Stairlift for my wife-need help
Replies: 4
Views: 802

Re: Mold, mold, mold!!! In Massachusetts..

You have no ventilation fan, but do you have a window? Ventilation fans are a fairly new innovation, but most houses had bathroom windows. It was usual for people to open their window after a shower or other bathroom usage, even in the winter, even if they had to close the bathroom door to keep the ...
by littlebird
Tue Oct 28, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Mold, mold, mold!!! In Massachusetts..
Replies: 18
Views: 2292

Re: How do you wash your car?

Now I get full service car washes, but when I was a little younger ( but not young enough to do a full-scale driveway slosh and hose-down wash), I used this: http://www.protectall.com/qelong.aspx I learned to use this in RV parks where vehicle washing wasn't allowed (it would have been like washing ...
by littlebird
Fri Oct 24, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7094

Re: Elder Law attorney (Trusts, Medicaid, nursing homes)

I wasn't referring to your ethics. I'm sure you think you're doing what your Mom wants. And what people she knows and trusts are doing. I remember that carried a lot of weight with my Mom as she got older also, especially when she was widowed, as I know your Mom has been. You might want to remind he...
by littlebird
Fri Oct 24, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 2012

Re: Elder Law attorney (Trusts, Medicaid, nursing homes)

]unfortunately, when it's time for a private nursing home, her pensions and SS would only cover half. she'll have to pay ~$60k/yr out of pocket. ] Many of us believe that's what the pocket is for. Does your fairly young mom ( 64, I believe you said. She could live another 30 years). understand that...
by littlebird
Fri Oct 24, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 2012

Re: Do you regret buying your home?

None whatsoever. No one is leaping off the furniture over my head or thumping my sternum with their rock music or tv on the other side of paper walls. I chose it for its location, view, size and price; all things I couldn't reproduce in another house. Then, since it's mine, I spent the necessary mon...
by littlebird
Fri Oct 24, 2014 1:45 am
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6965

Re: Elder Law attorney (Trusts, Medicaid, nursing homes)

Many (probably most) nursing homes do accept Medicaid, but many of the better ones do so only after two years (or more, depending on the home) of private pay, which they expect to be guaranteed to them on admission. Also, in many Medicaid Planning strategies, Medicaid recoups any remaining funds, wh...
by littlebird
Fri Oct 24, 2014 1:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 2012

Re: Mr. Market turns on Amazon

Sure boss, we're takin' a loss on each item, but we'll make it up on volume." :oops:
by littlebird
Thu Oct 23, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4486

Re: Gross Yearly Income needed in Retirement (Speculation)

The average retired household in 2011 spent $38K, of which $26K came from Social Security and other pensions. Note that only $3K came from passive income sources, listed as "interest, dividends, rental income, other property income." http://www.bls.gov/cex/2011/Standard/occup.pdf That sou...
by littlebird
Tue Oct 21, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12920

Re: Electric Garage Door

Find a different garage door guy. Ask some neighbors for recommendations. Needing springs shouldn't necessitate a new door, unless the door itself is deteriorating.
by littlebird
Tue Oct 21, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Electric Garage Door
Replies: 10
Views: 929

Re: First time home buyer - realtor?

Should I have one at all and why? Should I seek a rebate realtor since the legwork of finding a place is done and they just need to help with the offer/negotiating? Should I just go the traditional route and hire a full commission realtor? If you are buying a property listed with a realtor, then ge...
by littlebird
Tue Oct 21, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: First time home buyer - realtor?
Replies: 4
Views: 471

Re: Shoes for Plantar Fasciitis?

Tom_T wrote:FYI, the replacement "flip flop" brand that my wife switched to is Oofos. Very cushiony with excellent arch support. Wearing these around the house instead of going barefoot has really helped.

+ 1
by littlebird
Tue Oct 21, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2433

Re: Shoes for Plantar Fasciitis?

I went to Amazon and searched for "Plantar faciitis shoes" and found very satisfactory shoes, slippers and elastic bands.
by littlebird
Mon Oct 20, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2433

Re: POLL: How fulfilling is your retirement?

My feelings about retirement are characterized by the concept of "luxury" rather than "fulfillment". To be in complete control of my own time - whether it meant being able to take an Amtrak trip all around the country in early retirement, or to spend the entire afternoon reading ...
by littlebird
Sun Oct 19, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3054

Re: Headed for a 300+ point loss today?

Based on his writing above, I have no idea what he is saying, so no way to take his advice even if I were so inclined. Generally a good policy. In case you actually care here's an explanation: This is a point and figure chart for the S&P 500: http://i.imgur.com/XvvWrQn.png?1 In this case the ma...
by littlebird
Wed Oct 15, 2014 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34377

Re: Maximum Number of Medicare Hospital Days

I wouldn't worry about this too much. Most people who are in the hospital more that a week or two get sent to Rehab or to a nursing home if they continue to need actual medical care. Nobody is kept in the hospital very long unless they're very rich and then hospital is hoping for a bequest. see: htt...
by littlebird
Wed Oct 15, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Maximum Number of Medicare Hospital Days
Replies: 10
Views: 798

Re: Treasury Bonds falling through the floor

Munir wrote:Good day to sell bond funds and buy equity funds- also called rebalancing (or is it market timing) ? :happy


I'm going to do it a few minutes before market close unless there's a rebound, and I call it "opportunistic re-balancing".
by littlebird
Wed Oct 15, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1417

Re: Shed into gym?

Find out from your county or city planning and zoning office which auxiliary buildings and uses are legal on your property. This varies a great deal by location and I would not proceed with any plumbing or electrical work without this.
by littlebird
Mon Oct 13, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Shed into gym?
Replies: 23
Views: 2138

Re: Relocating to a tax free state with good weather need ad

I suggest South Carolina. i don't know if tax free The weather is pretty hot and muggy here from about May through September, though. About once every two years we get a major snowfall or ice storm in the Upstate. Hurricanes? Tropical storms? My friends in coastal S.C, have been evacuated or advise...
by littlebird
Mon Oct 13, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3664

Re: Credit Card Issue

I'm also not familiar with any CC's that call you when they detect fraud. In fact, I wouldn't want them to call me. If they call me and ask for personal information to confirm the account then it is probably a scam. If I swipe my card, see it isn't working, and then call them I know I have the righ...
by littlebird
Mon Oct 13, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Issue
Replies: 26
Views: 2144

Re: What Do You Keep In Your Bank Safe Deposit Box?

. If one needs something to happen fast after their death, they probably need some kind of different legal instrument/arrangement than a will. That's true, but unfortunately some people put their wishes re funerals, burial vs. cremation, other types of burial wishes in their wills which are not see...
by littlebird
Mon Oct 13, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2645

Re: What Do You Keep In Your Bank Safe Deposit Box?

I bonds, birth, divorce and marriage certificates, discharge papers, h.o. insurance, car title, deeds, title insurance, photos of interior of (old, have to re-do that for new) house, passports.
by littlebird
Mon Oct 13, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2645

Re: Another real estate question/selling Manhattan coop

New York co-ops are a unique and rarefied topic. New York neighborhood forums, friends, co-workers, neighbors, families of the preceding, in other words, local networks, would be the best source of information on dealing with this type of situation. Since such apartments are expensive, this may be a...
by littlebird
Mon Oct 13, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Another real estate question/selling Manhattan coop
Replies: 4
Views: 465

Re: What Do You Keep In Your Bank Safe Deposit Box?

Our wills, POAs, Health care POA, advanced directives, the deed to our house. A short list of info for locating our assets and insurance. Health care directives should be as widely disseminated as possible among your doctors, local hospital, family members, not locked away in a s.d. box, which may ...
by littlebird
Mon Oct 13, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2645

Re: Sale of house-closing tomorrow, buyer is backing out

One of the purposes of earnest money is to roughly compensate you for just this type of problem, Use the money to lower the price. Now it's a better deal and might sell quickly. Best wishes on your marriage. :beer
by littlebird
Mon Oct 13, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5312

Re: What have you done to cut costs this year?

Nothing. Having LBMM most of my life, I have now reached the age and degree of financial comfort where I am willing to increase my comforts, conveniences and pleasures while I'm still above ground.
by littlebird
Sun Oct 12, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12150
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