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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: 23
Views: 1249

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: 861

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: 2256

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: 71
Views: 5561

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: 2600

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: 2150

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: 4496

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: 4496

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: 2762

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: 2762

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: 16
Views: 1523

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: 3345

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: 1018

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: 911

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: 541

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: 5937

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: 2165

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: 1440

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: 1474

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: 10674

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: 1474

Re: Is a Feit LED bulb safe in enclosed area?

deleted due to subsequent dissatisfaction with recommended company
by littlebird
Fri Dec 26, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Is a Feit LED bulb safe in enclosed area?
Replies: 11
Views: 1226

Re: How to choose Fabric Sofas?

Probably not fashionable at the moment - I wouldn't know because my sofa is 32 years old and still shows no wear - but velvet and crushed velvet wear like iron. That's why my sofa is what I just said. Absolutely don't get any fabric that's the thickness of your bed sheets!.
by littlebird
Thu Dec 25, 2014 11:15 pm
 
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 1896

Re: What to do if someone is using your home address?

I get that sort of thing too - when I was the executor of my father's estate I had his mail forwarded to me. Evidently that forwarding instruction propagated through some computer system that caused all sorts of marketing mail databases to be updated. At my PO box, I get mail addressed to several p...
by littlebird
Sun Dec 21, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 25
Views: 2897

Re: Should my work associates be worried?

...can any corporation issue their own pension and hire say a State Street Bank to act as the clearinghouse for depositing of monthly pension deposits to all their retirees? " Yes. That's what a "pension" is. ... Usually when you retire your company would purchase a annuity pension f...
by littlebird
Sun Dec 21, 2014 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Should my work associates be worried? [Pension plan]
Replies: 16
Views: 3608

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: 2174

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: 88
Views: 14220

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: 9217

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: 16669

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: 857

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: 2961

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: 70
Views: 5029

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: 1095

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: 1334

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: 1334

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: 587

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: 237
Views: 24403

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: 3129

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: 786

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: 10743

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: 517

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: 43
Views: 5216

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: 43
Views: 5216

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: 4673

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: 1251

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: 12329

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: 3109

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: 1042

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: 3738
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