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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: 19
Views: 1321

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: 1109

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: 1298

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: 1298

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: 1298

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: 276
Views: 44582

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: 2452

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: 2618

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: 2452

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: 786

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: 156
Views: 9179

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: 652

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: 658

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: 7895

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: 7895

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: 7895

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: 2086

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: 407

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: 1418

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: 11783

Re: For those who have living trusts...

Absolutely a positive thing to do regardless of the asset base. You do not have to open new accounts, just retitle them in the name of the Revocable Trust. Tim I think that depends on where the account is held. I do know that Fidelity requires you to a open a Trust Account. (which is different than...
by littlebird
Thu Feb 05, 2015 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 43
Views: 4767

Re: Real estate planning and a parent who lives overseas

DeerRunner wrote:Yeah, the divorce thing has come up before. While what you describe may be one path, sounds like a lot more expensive and complicated then doing the Quit Claim thing. . :oops:


Yes. But it's a legal way. And your wife could not then be charged with self dealing in exercise of her POA.
by littlebird
Thu Feb 05, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate planning and a parent who lives overseas
Replies: 13
Views: 747

Re: What if you did not know you were a beneficiary

When you say the "lock box" was "amiss", are you talking about a home safe or a bank safe deposit box?
by littlebird
Thu Feb 05, 2015 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if you did not know you were a beneficiary
Replies: 20
Views: 3545

Re: Real estate planning and a parent who lives overseas

Has your MIL considered divorce? This would involve having the court tell you how to give him "constructive" notice after your attempts to give actual notice fails. The court could then be petitioned to grant ownership of the house to your MIL and the court would make a ruling as to how th...
by littlebird
Thu Feb 05, 2015 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate planning and a parent who lives overseas
Replies: 13
Views: 747

Re: Pull permits for a minor remodel?

Why wouldn't you pull a permit?! Sometimes local politics become so toxic that it's more than the job is worth to pull a permit. That happened in my county. The permit office started demanding updated plot plans of the entire property, inside and out, with every change of landscaping and DIY projec...
by littlebird
Thu Feb 05, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Pull permits for a minor remodel?
Replies: 35
Views: 3028

Re: For those who have living trusts...

What's the advantage of titling the accounts in trust's name vs. just naming the trust as the beneficiary? Having all your possessions - including your home - in a trust allows someone else to step in fairly painlessly when you, or the second of you if a couple, can no longer or want to no longer, ...
by littlebird
Wed Feb 04, 2015 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: For those who have living trusts...
Replies: 43
Views: 4767

Re: Vanguard survey: what should they do differently?

I wish their phone-answering recording would not say: "As a commitment to quality service, your call may be monitored". Many things have changed over the two decades or more that I have been with Vanguard, but this klutzy, ungrammatical sentence endures.
by littlebird
Tue Feb 03, 2015 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4240

Re: Do retired Bogleheads have rising net assets?

Retired 26 years on 1 very modest pension and 1 1/2 s.s.'s. We live on that comfortably, especially as the years went by and net worth increased. Only w/d from assets for capitol purchases. Net worth has increased 444.444%, which includes a modest inheritance. 2014 may have been the last year of ris...
by littlebird
Mon Feb 02, 2015 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4442

Re: MediCare and ? What are your out of pocket costs please.

Annual: Someone mentioned physical therapy - I believe Medicare pays for twenty visits a year. Here if you pay for it yourself for additional sessions, it's about $75 an hour. Medicare is a garden of delight compared to pre-Medicare age health insurance. Re: physical therapy: by the time you need i...
by littlebird
Sun Feb 01, 2015 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 24
Views: 2341

Re: Trusting and shopping around for doctors

The idea of the Second opinion originated with insurance companies looking for a way to cut costs by providing less care. However, there's an important aspect to the idea that a Second Opinion will somehow save your bacon: What if the second opinion is the wrong one? Too cynical. :) People were get...
by littlebird
Fri Jan 30, 2015 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Trusting and shopping around for doctors
Replies: 32
Views: 2159

Re: Income on credit card application for high assets/low in

The purpose of income-producing assets is to produce income. Whether you actually live on the income or not is irrelevant, as is the issue of whether you pay taxes on this income or not. This is called "imputed" income and is used for many purposes. (Banks used it to grant loans and mortga...
by littlebird
Thu Jan 29, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 918

Re: Poll: Locating deceased person's assets

"Imagine that both your parents died at the same time and you had to sort everything out -- what information would make your task easier?"

Their mail.
by littlebird
Sun Jan 25, 2015 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Locating deceased person's assets
Replies: 33
Views: 2314

Re: Rental Car Prices - is this the new normal ?

Are you coming to AZ during Super Bowl week?
by littlebird
Sun Jan 25, 2015 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 7840

Re: QuitClaim Deed

the homeowners insurance policy is provided globally via association... what exactly am i going to get sued for???


Umm, A visitor of any kind coming to your condo and getting hurt?
by littlebird
Sat Jan 24, 2015 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: QuitClaim Deed
Replies: 36
Views: 2664

Re: Downside to eDelivery?

Probably not enough to matter for anyone under about 50. Older than that, given the higher potential for disability and the non-native-to computing status of the cohort now over 50, I'd be wary (in fact, I am). I saw my spouse, with masters in both physics and applied math, corrupt his own passwords...
by littlebird
Sat Jan 24, 2015 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2206

Re: Retirement in Arizona - Seeking Advice

"The Villages" in Florida includes free golf for residents. Was curious if the Dell Webb retirement communities include golf for their residents, so I just checked the golf fees at Sun City Festival. What da! Even their "Special Resident Rate" looks really expensive. This is fro...
by littlebird
Thu Jan 22, 2015 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4687

Re: Retirement in Arizona - Seeking Advice

Sun City area used to be nice -- about 20 years ago. Now it's swallowed up in the metro and there's too much traffic and congestion. You used to be able to do convenient shopping at lots of small close-by grocery stores and you could drive there in your golf cart. . . . live in a metro-plex then pi...
by littlebird
Thu Jan 22, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4687

Re: “How Does Aging Affect Financial Decision Making?”

Also it is important to make a will or set up a trust in order to optimally pass on assets after ones death. Garland Whizzer One of the few valid reasons to set up a revocable living trust, in my opinion, is the ability it gives you to arrange for a co- or successor trustee, chosen in advance by yo...
by littlebird
Tue Jan 20, 2015 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2827

Re: “How Does Aging Affect Financial Decision Making?”

As a person in her early 70's with a former webmaster spouse now in his late 80's, let me respectfully point something else out to the next age cohort, which is maintaining its financial life on line: people who suffer cognitive decline also experience a reduction in their computer literacy but no c...
by littlebird
Tue Jan 20, 2015 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2827

Re: MediCare and ? What are your out of pocket costs please.

There may also be medical/medically related costs neither Medicare nor Medigap pays for, especially if you make it to very old age. Medicare pays only for a limited term of physical therapy, and in specific circumstances. Our secondary doesn't pay for anything Medicare doesn't pay for. So we pay abo...
by littlebird
Sun Jan 18, 2015 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 24
Views: 2341

Re: Instant coffee

Imbros wrote:Another instant coffee drinker here (I call it "poor/lazy European's coffee) :) .

Jacobs Kronung is considered to be the best instant coffee by many, including myself. But sometimes it is not easy to find it..


Amazon has it.(I dropped the url, sorry). I'm going to try it. Thanks
by littlebird
Fri Jan 16, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3476

Re: anyone ever go to spring training?

Spring training comes to me.
by littlebird
Sat Jan 10, 2015 6:18 pm
 
Forum: Personal Consumer Issues
Topic: anyone ever go to spring training?
Replies: 7
Views: 1035

Re: UPF / Hot Weather Clothing

Pricey and never a sale, but well made, lots of features and good looking (especially the kids' stuff).

http://www.sunprecautions.com/shop/kids
by littlebird
Fri Jan 09, 2015 6:28 pm
 
Forum: Personal Consumer Issues
Topic: UPF / Hot Weather Clothing
Replies: 8
Views: 919

Re: Alternatives 2 heavy lifting/labor intensive chores?

I asked for referrals at my local Ace and True Value hardware stores and have obtained an honest, cooperative handyman who does most everything that needs doing and tells me when the job would be better off being done by others. I also obtained a plumber this way and have only used him once, but he ...
by littlebird
Mon Dec 29, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternatives 2 heavy lifting/labor intensive chores?
Replies: 3
Views: 544

Re: What did you enjoy spending money on this year?

3 middle-of the line (white, if anyone's interested) appliances to replace the bottom-of -the- line appliances that came with my house and which lacked some of the amenities I've had for 50 + years. Looking forward to 1 more: Speed Queen's new top-loading washer with end-of-cycle signal, optional 2n...
by littlebird
Mon Dec 29, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 6045

Re: Why tilt to high yield bonds?

I'm happy with age in bonds and at my age that's a lot of bonds. So I indulge myself by taking some risk on the bond side. I keep my HiYld fund (in a tax-deferred account) at the amount that used to be needed to get Admiral shares, and I sweep the dividends to a more conservative bond fund. I also o...
by littlebird
Sun Dec 28, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why tilt to high yield bonds?
Replies: 29
Views: 2206

Re: Tablet (something simple) for after a stroke?

My spouse, who was very computer savvy ( even a web designer and webmaster for non-profits in retirement) and who had a mild bleed type stroke, cannot handle the I pad he thought he'd be able to handle easily. Its configuration is not stable enough for a cognitively-impaired person. (Frankly, I can'...
by littlebird
Sun Dec 28, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Tablet (something simple) for after a stroke?
Replies: 16
Views: 1474

Re: Helping Mom Healthcare

I think she will need 24/7 for a long time. The stroke didn't seem to effect her mind but it effected her right side. In that case, from what you say, I can't picture any option other than her going into a Medicaid skilled nursing home . Do not buy her house! Do a google search for Elder Law (Medic...
by littlebird
Sun Dec 28, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping Mom Healthcare
Replies: 19
Views: 1487

Re: What would you have done differently when retiring?

I retired very young; my spouse retired young. We didn't have the benefit of spreadsheets, computer simulations, high net worth or anything much except optimism. Have absolutely no regrets; can't think of anything we would have done differently, except maybe, and only maybe, we should have selected ...
by littlebird
Sun Dec 28, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would you have done differently when retiring?
Replies: 107
Views: 10777

Re: Helping Mom Healthcare

Assuming your Mom makes a complete recovery from the recent fall, will the stroke deficits, if any, require her to have continuing help at home; taking her to dr. visits, shopping, meal prep, dressing, etc.?
by littlebird
Sun Dec 28, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping Mom Healthcare
Replies: 19
Views: 1487
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