Search found 499 matches

by littlebird
Wed Jul 01, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sychrony Bank - warning
Replies: 28
Views: 3144

Re: Sychrony Bank - warning

I had a poor experience with them also. I applied for and received their Amazon 5% rebate card. They only allowed street address (not P.O. box) on their application, so before I even used the card for the 1st time I tried to log on to change my address to my P.O. box. The only place I could find to...
by littlebird
Mon Jun 29, 2015 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sychrony Bank - warning
Replies: 28
Views: 3144

Re: Sychrony Bank - warning

I had a poor experience with them also. I applied for and received their Amazon 5% rebate card. They only allowed street address (not P.O. box) on their application, so before I even used the card for the 1st time I tried to log on to change my address to my P.O. box. The only place I could find to ...
by littlebird
Wed Jun 24, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Our nanny needs a student loan for PT school
Replies: 6
Views: 1607

Re: Our nanny needs a student loan for PT school

As someone now dealing with home therapists, please suggest that she look into occupational, rather than physical, therapy. There seems to be a dire shortage, at least here in the Phoenix metro. Most people have no idea what o.c.'s do, but it's interesting work, very varied and less physically stres...
by littlebird
Mon Jun 22, 2015 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Variable Annuity
Replies: 4
Views: 711

Re: Advice on Variable Annuity

His expenses may only be $30,000/year now, but what will happen in a few years when he needs more help with daily living, and what will happen if he needs nursing home care? As a widower, this can happen as soon as 5 years from now. Will his children be able to provide the care? Does he have LTCI? I...
by littlebird
Mon Jun 22, 2015 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Made outsize returns in a short period of time: what am I doing wrong?
Replies: 34
Views: 4531

Re: Made outsize returns in a short period of time: what am I doing wrong?

Didn't I read somewhere that the worst thing to happen with a beginning investor is that they make a huge profit? Gives them an inflated sense of knowing what they are doing, resulting in a spiral down the wrong path. Congratulations on your success, hope it continues. Mike Sometime during the earl...
by littlebird
Sun Jun 21, 2015 5:23 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 144
Views: 19163

Re: When saving money becomes an irrational obsession

If this issue is not a problem for the savers, then it should also not be a problem for others as the (over) savers are less likely to be a drain on society. It can be a problem in a marriage when what used to be a mutual interest in saving for an early retirement becomes an irrational obsession to...
by littlebird
Thu Jun 18, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 81
Views: 11393

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

so let me get this straight: the majority of you have hundreds or thousands of posts on a retirement forum, and yet you confess how self-assured you were at retirement time with regards to a withdrawal rate and whether or not you'd have enough for retirement. call me skeptical :P This isn't a retir...
by littlebird
Thu Jun 18, 2015 2:02 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 81
Views: 11393

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

No. I always saved a moderate amount, but didn't structure my life around savings. One day a neighbor with whom I commuted announced he was moving to warmer climes. I realized I was envious. When he told me how much he was selling his house for, I realized we could bail also. Spouse in late 50's,wit...
by littlebird
Tue Jun 16, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Where should we held the Living Trust paper?
Replies: 3
Views: 406

Re: Where should we held the Living Trust paper?

My living trust is not complex, so, I am trying to use WillMaker to do my Living Trust. I am living in California. Does government office or court can hold my original paper? It eventually needs to go through the court anyway. Otherwise, if government or court is not possible, where is the best pla...
by littlebird
Tue Jun 16, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 7654

Re: Retirement areas, not Florida

surfhb wrote:Silver City, NM is a pretty cool town


...for a very short visit.
by littlebird
Sat Jun 13, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 3680

Re: How/where to get rid of old gasoline

When I needed to dispose of an old 50 gallon barrel of kerosene contaminated with water, a friend of mine who is a chemist and works for the state with nasty disposal sites suggested evaporation for unwanted volatile hydrocarbons. I evaporated it over the course of a week or 2. I believe this is th...
by littlebird
Mon Jun 08, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: What If Creeping Dementia Impairs Your Financial Judgment?
Replies: 25
Views: 3339

Re: What If Creeping Dementia Impairs Your Financial Judgment?

How is someone supposed to know that a person has Alzheimer's/dementia unless they are told by a family member? Roughly, 25% of people in their 80s have some form of dementia. With numbers that high, perhaps the default presumption should be that an 83-year-old client has some mental impairment unt...
by littlebird
Mon Jun 08, 2015 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: What If Creeping Dementia Impairs Your Financial Judgment?
Replies: 25
Views: 3339

Re: What If Creeping Dementia Impairs Your Financial Judgment?

BruDude wrote: He was charged and convicted with "theft of property from an elderly person" because he "deprived" her of the money because the product had surrender charges for early surrender (as all annuities do)..
.

Vanguard's don't (at least my VVAs didn't).
by littlebird
Mon Jun 08, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: Elder care home in a residential neighborhood
Replies: 9
Views: 845

Re: Elder care home in a residential neighborhood

With an elder-care facility in a traditional family neighborhood the issues would likely be the Alzheimer's and other dementia residents wandering, increased traffic and parking problems if the residents have a steady stream of visitors, vendors making deliveries, EMS calls with sirens at all hours...
by littlebird
Mon Jun 08, 2015 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to financially prepare to enjoy your best years?
Replies: 16
Views: 2601

Re: How to financially prepare to enjoy your best years?

<snip...> My aunt/uncle traveled extensively for 20 years in retirement but now he has Alzheimer's and the money is going toward in-home care for him.... That being the case, I suspect that in-home care cost is equal/greater than their former travel expenses? In other words, sometimes expenses rema...
by littlebird
Tue Jun 02, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 32
Views: 3517

Re: Insurance company "outdoor steps need a railing"

Are there children living there? Will visitors use those steps? Is there a possibility of ice? (rhetorical question; you did say NY) I would put up an appropriate railing -surely one can be found - rather than take a chance on injuring somebody and finding that not putting up a railing is considered...
by littlebird
Tue Jun 02, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Carpeting stairs
Replies: 18
Views: 1737

Re: Carpeting stairs

The best deals will be had by buying the carpet and paying for installation separately. The problem with this approach is that if something goes wrong (and it's not unusual for something to go wrong in a flooring job), you may be left with the supplier and the installer pointing fingers at each oth...
by littlebird
Sun May 31, 2015 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 20
Views: 2400

Re: Moving Vanguard Funds to a broker?

If you find a provider that can handle all that seamlessly and charge you less than 20 basis points for everything including expense ratios, please let me know. I'd be very interested in moving assets there. At my stage of life, 20 bp is no longer important. What's important at this stage is being ...
by littlebird
Sat May 30, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: Retirement and Proximity to "Teaching Hospitals"
Replies: 44
Views: 4216

Re: Retirement and Proximity to "Teaching Hospitals"

Timely post for me too as I just kissed my spouse goodnight and left him in the emergency room of our very nearby community hospital. This is his 3rd visit in 5 months. He's going to be 89. If you live long enough, this is going to happen. We love the outdoors and considered retiring to a rural area...
by littlebird
Mon May 25, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 20
Views: 2400

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 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 20
Views: 2400

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: 20
Views: 2400

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: 20
Views: 2400

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: 20
Views: 2400

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: 20
Views: 2400

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: 5082

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: 4568

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: 328

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: 3971

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: 5338

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: 897

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: 669

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: 1682

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: 889

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: 1292

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: 5397

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: 864

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: 2949

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: 2510

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: 62
Views: 9920

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: 5694

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: 123
Views: 10409

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: 3438

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: 3438

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: 4133

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: 2155

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: 2155

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: 4969

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: 2343

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...

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