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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
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: 642

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 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Potential new home is well-priced, but...
Replies: 31
Views: 2747

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 21, 2015 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 1863

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
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: 50
Views: 6132

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 10:05 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5098

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
Fri Apr 10, 2015 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5024

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 5:02 pm
 
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 3033

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 3:15 pm
 
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 3033

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
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: 3253

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 6:26 pm
 
Forum: Personal Consumer Issues
Topic: anyone have experience with water softeners?
Replies: 41
Views: 1770

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
Mon Apr 06, 2015 1:09 am
 
Forum: Personal Consumer Issues
Topic: anyone have experience with water softeners?
Replies: 41
Views: 1770

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
Tue Mar 31, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 4435

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: 2075

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: 14
Views: 1182

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: 3998

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: 3998

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: 3971

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: 650

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: 1738

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: 3547

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: 3054

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: 981

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: 446

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: 1131

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: 1487

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: 2309

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: 6389

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: 4181

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: 2188

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: 511

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: 1772

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: 1187

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: 1385

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: 1385

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: 1385

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: 47235

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: 2708

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: 3019

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: 2708

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: 831

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: 11921

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: 746

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: 727

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: 8510

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: 8510

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: 8510

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: 2222

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: 441

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: 1462

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: 11856
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