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New Rate - 1 year Penfed MM Certificate

Anyone who's interested in a 1 year Penfed MM Certificate may want to take a look. The 1 year rate - 1.10% - is now higher than anything until the 5 year certificate. I just bought me one with money waiting in my share account for the Dec-Jan sale. Maybe this is it. :happy
by littlebird
Wed Dec 10, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: New Rate - 1 year Penfed MM Certificate
Replies: 14
Views: 2076

Re: Vanguard Turbo Tax prices anounced

I'm planning on doing my taxes by hand in 2015 thanks to a BH post from some time back in which a member commented on how much you learn about your money when you do your taxes by hand. This said, I'll tell my girlfriend about the discounted price and Taxact as well. :beer And you'll never become t...
by littlebird
Sat Dec 06, 2014 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7735

Re: Am I being cheap?

I think you should marry someone who's values you respect, even when you don't share them.
by littlebird
Sat Dec 06, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8784

Re: Giving money to your alma mater: Have to vent

The people of my city and state provided me, the first in my family to go to college, with an absolutely free excellent college education. Now the city now longer contributes anything to the college and the state and the children of the same kind of working class families I came from have to pay the...
by littlebird
Wed Dec 03, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16491

Re: Terminix Termite Protection Plan

We carried the Terminix Protection Plan for several years until it no longer seemed worth the price. We did have one re-infestation with damage during the time we had the plan and they did repair the damaged items - after a lot of nagging to please send a check. After we let them go, we never had an...
by littlebird
Tue Dec 02, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Terminix Termite Protection Plan
Replies: 5
Views: 847

Re: Retirees: Why worry?

Actually, no, I didn't worry at all. I was too dumb to worry. It was before the internet era and before the commercialization of everything, including retirement information. Most information was gained from observing others, listening (or not) to others' advice and reading a very few books and arti...
by littlebird
Tue Dec 02, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirees: Why worry?
Replies: 25
Views: 2914

Re: [Poll] What's Your Tax Prep Strategy?

I don't see an option for "doing it myself with pencil and printed forms", which is what I do and have been doing for more than 50 years. It never takes me very much time, even with a rental condo. Last year I tried Free Fillable Forms and wound up using it for about 50% of the forms, incl...
by littlebird
Tue Dec 02, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 62
Views: 3290

Re: Help selecting Vanguard agent type: Full or limited

I was surprised to find that with limited authority I was not allowed to have my spouse's RMD directed to our joint MM account. We upgraded to full authority and I've had no problem since. I can do anything I'd be able to do with my own account. I would advise full.
by littlebird
Sun Nov 30, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Help selecting Vanguard agent type: Full or limited
Replies: 8
Views: 1080

Re: Irrevocable "income only" trust, nursing home, tax quest

Here is a slightly different take on this general issue, and perhaps I should start a separate thread (?). Is there any sort of trust we can set up so that Medicaid will pay as though she has no other money (she doesn't), and then WE can supplement how we see fit? RM Absolutely! What you're looking...
by littlebird
Sun Nov 30, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Irrevocable "income only" trust, nursing home, tax questions
Replies: 11
Views: 1287

Re: Irrevocable "income only" trust, nursing home, tax quest

Here is a slightly different take on this general issue, and perhaps I should start a separate thread (?). WE have the money, and SIL lives entirely on SS, and some oversight from local services (physical/medical problems, and some emotional - enough that she was never able to work full time, but w...
by littlebird
Sun Nov 30, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Irrevocable "income only" trust, nursing home, tax questions
Replies: 11
Views: 1287

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: 570

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: 231
Views: 19424

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: 2953

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: 578

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: 8488

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: 495

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: 3859

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: 3859

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: 4575

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: 1234

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: 12199

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: 2962

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: 984

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: 3431

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: 1627

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: 2302

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: 482

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: 855

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: 2631

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: 2631

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: 2530

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: 1336

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: 3528

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: 808

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: 2300

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: 7394

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: 2036

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: 2036

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: 7226

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: 2036

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: 4509

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: 13123

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: 942

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: 480

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: 2569

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: 2569

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: 3071

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: 464
Views: 36386

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: 804
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