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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 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Enrolling in Medicare - Question
Replies: 9
Views: 502

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 7:34 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 54
Views: 2635

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 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Stairlift for my wife-need help
Replies: 4
Views: 728

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 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Mold, mold, mold!!! In Massachusetts..
Replies: 15
Views: 1712

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 11:12 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6839

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 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 1956

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 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 1956

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 2:45 am
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6787

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 2:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 1956

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 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4422

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
Wed Oct 22, 2014 12:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12447

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 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Electric Garage Door
Replies: 10
Views: 897

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 2:53 pm
 
Forum: Personal Consumer Issues
Topic: First time home buyer - realtor?
Replies: 4
Views: 444

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 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2352

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 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2352

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 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3009

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 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30539

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 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Maximum Number of Medicare Hospital Days
Replies: 10
Views: 750

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 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1404

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 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Shed into gym?
Replies: 23
Views: 2039

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 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

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 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Issue
Replies: 26
Views: 1922

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 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2589

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 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2589

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 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Another real estate question/selling Manhattan coop
Replies: 4
Views: 436

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 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2589

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 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5113

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 9:50 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8337

Re: Credit Card Issue

The standard for good phone customer service has to be Discover. They seem to be well trained, speak good English and are courteous and friendly. These Chase people seem to be a bunch of idiots. Maybe the second string is in on Sunday? . I think you can have good and bad experiences with all financ...
by littlebird
Sun Oct 12, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Issue
Replies: 26
Views: 1922

Re: Do you every turn your smart phone off?

Tycoon wrote:I've never owned a "smart phone", so I guess I've never had to turn one off.


Do you have an I-pod touch? You could turn that off every night. :D
by littlebird
Sun Oct 12, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1935

Re: Need Help Responding to Debt Collector (for invalid requ

Were you up-to-date on all payments, fees, etc. up to the date of the quitclaim deed?
by littlebird
Sun Oct 12, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Need Help Responding to Debt Collector (for invalid request)
Replies: 11
Views: 980

Re: Retired and end of month checking account balance?

I aim for $5000. Now that I've replaced a 15 year old car with a new one, I might lower that amount, but I also own a seasonal rental, in addition to my home, so I won't go too low.
by littlebird
Sun Oct 12, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 1946

Re: Calculating RMDs

The way I understand it, is the age used for calculation (either yours or your spouses) is the age as of their birthday in the year you are taking the distribution. So, for example, the distribution taken in 2014 would be based on your age on your birthday in 2014 and same with your spouse, their a...
by littlebird
Sat Oct 11, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating RMDs
Replies: 14
Views: 1611

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

State taxes are often income taxes, sales taxes, property taxes, and/or inheritance taxes. Choose carefully. It also depends on what public services are important to you. Your decision should be broadly focused if the aim is tax free. Alaska has good weather, sportsmen love it in the summer. If you...
by littlebird
Sat Oct 11, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

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

I am wondering why many people move to Florida in retirement, not to Las Vegas. I think Las Vegas also has no income tax, has warm weather in summer. (I have not been there in winter yet). There's a huge population mass only a couple of hours flying time north of Florida, most of whom have large nu...
by littlebird
Sat Oct 11, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

Re: When people put all their eggs in the wrong basket

People talk about selling and then getting in on class action lawsuits If you got about 15% of your losses back I think you did much better than average. I have received settlements from three of these lawsuits and my recovery ranged from less than 1% of my loss to about 5%. The lawyers always got ...
by littlebird
Sat Oct 11, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26534

Re: Cost of Pest Control Services

Background -- I live in the desert and critters here are, while not numerous, potentially toxic, ie., black widows and scorpions. It's necessary to be free of small insects, or these predator types will follow them inside. So while I'd much rather not have to avail myself of the services of a pest ...
by littlebird
Fri Oct 10, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Cost of Pest Control Services
Replies: 9
Views: 1016

Re: Bank Blackmail? [Credit Card Upgrade]

Too many people here (like me today) have nothing better to do with their time than to sit and read all these ridiculous posts and their replies and perpetuate the issue. :annoyed Haven't you (we) something more important or valuable to do with your/our time? I don't find these posts ridiculous at ...
by littlebird
Fri Oct 10, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Blackmail? [Credit Card Upgrade]
Replies: 22
Views: 1748

Re: Medicare Advantage to T Medicare plus supplement

" I choose what docs to go to and when, with no-ones permission required. With My Medicare Advantage plan I can go to any doctor that accepts Medicare with no referrals. How is that different than yours? plannerman That sounds like a great Medicare Advantage plan! What does it cost above regul...
by littlebird
Thu Oct 09, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to T Medicare plus supplement
Replies: 17
Views: 842

Re: Medicare Advantage to T Medicare plus supplement

My insurance agent thinks I'm nuts to consider anything but the cheapest MA plan available. What's his or her reasoning for that? I didn't even consider a MA plan. After my experience with United HealthCare running my employer's plan, I didn't want anything to do with an insurance company making de...
by littlebird
Thu Oct 09, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to T Medicare plus supplement
Replies: 17
Views: 842

Re: Cost of Pest Control Services

Thanks everyone. There's enough daylight between what I've been paying and what posters have been paying that I guess I'm going to have to be willing to get more frequent service to make up for their shortened visits. I'll also ask if they offer a "premium" extended service comparable to t...
by littlebird
Thu Oct 09, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Cost of Pest Control Services
Replies: 9
Views: 1016

Re: Retirees only, what was you average investment return?

I see no purpose in tracking "my" average investment return, except possibly to encourage competitiveness with myself and with others. Vanguard tells me what the rate of return is on each of their funds and I can take action or not based on their report. What I do track, because that numbe...
by littlebird
Wed Oct 08, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3371

Re: Schwann's, Tasty Bite?

I happened upon this while searching for something similar :

https://my.momsmeals.com/members/BrowseMeals.aspx

I've not tried it. You might want to search for "review" or "opinions" and the name.
by littlebird
Mon Oct 06, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Schwann's, Tasty Bite?
Replies: 4
Views: 705

Cost of Pest Control Services

Background -- I live in the desert and critters here are, while not numerous, potentially toxic, ie., black widows and scorpions. It's necessary to be free of small insects, or these predator types will follow them inside. So while I'd much rather not have to avail myself of the services of a pest c...
by littlebird
Mon Oct 06, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Cost of Pest Control Services
Replies: 9
Views: 1016

Penfed CDs up rates

Looks like Penfed CDs are inching up a bit. 5 year = 2.100%
by littlebird
Thu Oct 02, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3020

Re: Replacing Some, not all, Windows in House

grettman wrote:Hi,

First time poster here. I have enjoyed reading the forum for the last several months as a troll. .


I think what you mean is a "lurker".
by littlebird
Mon Sep 29, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Replacing Some, not all, Windows in House
Replies: 15
Views: 1212

Re: Replacing Some, not all, Windows in House

More important than the windows matching within a room - mis-match indoors can often be disguised by window decor - is that they match when viewed from the outside. No one can see the front and back of a house simultaneously (I don't think), so 1 type of window in front and another in back would be ...
by littlebird
Mon Sep 29, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Replacing Some, not all, Windows in House
Replies: 15
Views: 1212

Re: Will Investment Returns Ever Revert to "Normal"?

I think they ARE normal. When we retired 26 years ago, my back of the envelope calculations, based on a little reading, was an approximate average total return of 10% for stocks and 5% for bonds over the previous 60 years. These are the numbers we plugged into our decision of whether we could retir...
by littlebird
Sun Sep 28, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4495

Re: Will Investment Returns Ever Revert to "Normal"?

I think they ARE normal. When we retired 26 years ago, my back of the envelope calculations, based on a little reading, was an approximate average total return of 10% for stocks and 5% for bonds over the previous 60 years. These are the numbers we plugged into our decision of whether we could retire...
by littlebird
Sun Sep 28, 2014 1:31 am
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4495

Re: Stubbornly Non-Boglehead Husband. What To Do?

The real issue with losing $500k in a month is that nothing really crazy has happened lately... How much is he betting to lose that much? What happens if the market (or whatever stock he's betting on), or gold really crashes next month? I mean he lost $500k, and gold hasn't moved that much in any s...
by littlebird
Thu Sep 25, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7875
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