Search found 1072 matches

by littlebird
Wed Jun 21, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 62
Views: 5291

Re: Co-workers advising to buy house RIGHT NOW

ponyboy wrote:In the case with the shoe shine boy...that dude didnt have to know him to see the danger. Someone that knows nothing about buying stocks is talking about stocks! uh oh.


Not just talking about stocks, but giving Joe Kennedy advice about which stocks to buy!
by littlebird
Tue Jun 20, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2279

Re: Widowed mother - siblings try to make a plan

The OP said early on that he recognizes that his brother is taking on a potentially significant burden, so some of the criticism of him is unfair. This is particularly true given that the brother and his wife have benefited from extensive free babysitting from the same parent that they are now help...
by littlebird
Mon Jun 19, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2279

Re: Widowed mother - siblings try to make a plan

It might make more sense for them to rent a house with an in law suite that they could live in. That way if her needs change there would be a lot more flexibility and her assets would not be tied up in a house. That might be quicker too. Selling two homes and buying a larger home might take a long ...
by littlebird
Mon Jun 19, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2279

Re: Widowed mother - siblings try to make a plan

On the "why did they do that" pension issue: because if the pension continued for her benefit after he died, the amount to be paid out under that option would have been too small to allow him to retire, especially if she was younger than him. We made the same choice, but planned to, and di...
by littlebird
Mon Jun 19, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2279

Re: Widowed mother - siblings try to make a plan

She may get to the point where your brother can no longer take care of her by himself, especially if he works and doesn't have a spouse at home. She'd have to go onto Medicaid, raising the issue of where her money went and in whose name(s) the house will be. I think it may be a good idea to have a c...
by littlebird
Sat Jun 17, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: How best to Donate?
Replies: 20
Views: 1200

Re: How best to Donate?

There is no one best way; only the way that suits you best. The first three options were designed to let someone benefit a charity while still getting some benefit from the money him/herself or for his/her other heirs. Of course, the more the donor or other heirs benefit from the arrangement, the le...
by littlebird
Sat Jun 17, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 49
Views: 3445

Re: Poaching chicken

Poached chicken breasts in nothing but water would persuade a person to never eat chicken again. It's done when it's white all the way through. I'm not sure overcooking will matter because it won't taste like much no matter what. Poaching is a method for producing soft chicken for use in other reci...
by littlebird
Sat Jun 17, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 1791

Re: Medicaid Planning

I guess it's O.K. if you want to go into a Medicaid nursing home so badly that you're willing to give away the money that otherwise would let you have some options as to facilities and accommodations. Where I live, you'd have to be very strange indeed to put yourself into a Medicaid nursing home vo...
by littlebird
Sat Jun 17, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 49
Views: 3445

Re: Poaching chicken

I finds it takes about 45 minutes... Is that a typo? 45 minutes for a chicken breast? In my experience it would have been more like 4 or 5 minutes. Course, some are larger than others.... :D I just checked with "The Complete Chicken Cookbook", and it says "simmer, covered, 45-60 minu...
by littlebird
Sat Jun 17, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 49
Views: 3445

Re: Poaching chicken

The chicken does not get covered with water. I poach with the chicken covered half way up. I finds it takes about 45 minutes (but my water boils quickly, since I use little of it) to have the breast reach 170 degrees internally. Use a quick read thermometer; do not wash the chicken before cooking an...
by littlebird
Sat Jun 17, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Access POA in Revocable Trust
Replies: 30
Views: 1725

Re: Unable to Access POA in Revocable Trust

Powers of Attorney expire on death. An individual Trustee, either a Successor Trustee, or a Co-Trustee, could have sprung into action immediately, but you can't expect a bank to do so very quickly when the trusteeship is new to them. It will all work itself out.
by littlebird
Fri Jun 16, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 1791

Re: Medicaid Planning

I guess it's O.K. if you want to go into a Medicaid nursing home so badly that you're willing to give away the money that otherwise would let you have some options as to facilities and accommodations. Where I live, you'd have to be very strange indeed to put yourself into a Medicaid nursing home vo...
by littlebird
Fri Jun 16, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 1791

Re: Medicaid Planning

I guess it's O.K. if you want to go into a Medicaid nursing home so badly that you're willing to give away the money that otherwise would let you have some options as to facilities and accommodations. Where I live, you'd have to be very strange indeed to put yourself into a Medicaid nursing home vol...
by littlebird
Thu Jun 15, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3199

Re: scary phone calls

celia wrote:You should be able to screen out these calls and others by telemarketers by signing up for Nomorobo.com


Not all carriers subscribe to this. Mine, CenturyLink, does not.
by littlebird
Tue Jun 13, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 2977

Re: How many tech devices do you have?

I'm in my mid-70's and not a computer professional and I have:

A laptop
a kindle
an Ipad
an android phone
an Ipod touch
2 wireless printers; laser, inkjet
a Roku
and a ilife robot vacuum
by littlebird
Sun Jun 11, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: uva/uvb clothing
Replies: 12
Views: 838

Re: uva/uvb clothing

I wear Solumbra: http://www.sunprecautions.com/about/onlinecatalog which is even more expensive, but many of their items have features which make wearing long sleeves more comfortable than usual in extreme heat (I live in the Phoenix metro). Look for the items with two curving arrows. They have mesh...
by littlebird
Sat Jun 10, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Check made out to me, not S-Corp
Replies: 8
Views: 885

Re: Check made out to me, not S-Corp

If you can deposit the check in your business checking account, you should be fine. Doesn't really matter who the check is written to if the payment is received and declared by the company. Take impact is the same. Just need to make sure you don't double count. As someone said, they will likely sen...
by littlebird
Fri Jun 09, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare users - what type of plan(s) do you use?
Replies: 26
Views: 2321

Re: Medicare users - what type of plan(s) do you use?

On the poll, none of the above. My previous employer provides an after medicare plan for $500/month that covers the 20% unpaid by medicare after a $1,500 deductible per person, plus substitutes for part D, with much simpler rules, plus provides international coverage.Ralph Is this a typo? $500/mont...
by littlebird
Fri Jun 09, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Handshake Deal for Home Purchase
Replies: 13
Views: 1965

Re: Handshake Deal for Home Purchase

And if the wife's name is on the deed make sure there is an acceptable power of attorney in existence. If not, find out from the title company you'll be using what procedure must be followed.
by littlebird
Thu Jun 08, 2017 8:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18094

Re: Roll Call for the Retirement Class of 2017!

I am "semi-retired" at 55.. I decided I will do some consulting and help some friends but not going back to the rat race. A little scary as this is earlier than I thought. My situation: ⋅ No Debt. ⋅  $3.1M in investable assets ⋅ $3.6M Net worth if you count m...
by littlebird
Thu Jun 08, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 32
Views: 2654

Re: Moving to Phoenix. Need advice.

I live in the PHX metro, but very far from the city itself and came as a retiree whose parameters were very different from yours. That said, I completely agree with the advice you cite from other forums. I also agree with bloom2708's points to consider. You may find, as most do, that an eastside sub...
by littlebird
Wed Jun 07, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 6860

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

Although the ugly and patronizing phrase "push gift" may be new, the concept certainly isn't. My newly-middle class immigrant grandfather surprised my grandmother with a gorgeous room-sized Oriental rug when she gave birth to my mother a century ago. In my generation, we got a licensed pra...
by littlebird
Wed Jun 07, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare users - what type of plan(s) do you use?
Replies: 26
Views: 2321

Re: Medicare users - what type of plan(s) do you use?

Regular Medicare and a supplement (not Medigap, but similar to high deductible F) paid for partly by my spouse's last employer.
by littlebird
Sat Jun 03, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: What Will Home Care Cost?
Replies: 25
Views: 2386

Re: What Will Home Care Cost?

A physician will make a "house call" at a nursing home when there are multiple patients to examine or treat that they wouldn't do for a single patient in a private residence.. In our area there are several "house call" companies and even individual docs who came to the house whe...
by littlebird
Sat Jun 03, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What Will Home Care Cost?
Replies: 25
Views: 2386

Re: What Will Home Care Cost?

My spouse became totally disabled about a year ago, with a progressive disease. I could not manage his needs by myself any longer. My research suggested that if home care is needed more than 6 hours a day, 7 days a week, care in a facility becomes economically and logistically preferable. The social...
by littlebird
Wed May 31, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Multiple seat belt tickets- options?
Replies: 36
Views: 3735

Re: Multiple seat belt tickets- options?

Go to court plead not guilty. Speak with prosecutor, advise you will agree to plead no contest to a non moving violation- pay the fine and get no points. Few states recognize the plea of "no contest" (I'll spare you the Latin). N.Y. - unless there's been a very recent change - is among th...
by littlebird
Fri May 26, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Are middle-aged breadwinners getting a raw deal?
Replies: 20
Views: 2862

Re: Are middle-aged breadwinners getting a raw deal?

A blast from the past, when we married young and most middle-class mothers stayed home with young children: When my husband came home from work (men left the office at 5 in those days), dinner was served and after that the rest of the evening was his to do as he wished. He occasionally read to the k...
by littlebird
Thu May 25, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: "Land ownership" in a high rise condo
Replies: 8
Views: 1227

Re: "Land ownership" in a high rise condo

You do not own the land. The association owns the land and all other common elements. Hallways, roof, lobby, etc. Each condo will own a percentage of the association. Voting right, association dues, etc. all flow from the association. That being said, the value of your condo is partially dependent ...
by littlebird
Sun May 21, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Computing device for elderly relative
Replies: 34
Views: 1601

Re: Computing device for elderly relative

MN-Investor wrote: If the accessibility options can't solve the edge touching, you might want to look for a case which covers the front edges of the screen.


My elderly spouse with Parkinson's had edge-touching problems even with a heavy leather cover over the front edges.
by littlebird
Sat May 20, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2795

Re: Chandler, AZ

As Phoenix and other "nether" regions gain population, I would expect summer tourism to expand in cold climates. If you live in the South, you may dream of vacation in Seattle, San Francisco, Alaska, or even Alberta to escape the heat. Your schedule is upside down, but you probably have m...
by littlebird
Sat May 20, 2017 1:00 am
Forum: Personal Finance (Not Investing)
Topic: How to sell a house?
Replies: 22
Views: 2044

Re: How to sell a house?

We had one of these companies help very elderly MIL "get rid of stuff" and pack the rest, for a move cross country to an assisted living facility near us. We had another company meet the van and "unpack her". Thank you so much for these long, informative posts about moving your ...
by littlebird
Thu May 18, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2795

Re: Chandler, AZ

. You only get scorpion issues if you buy a new home in recently developed areas . Or if you live, as I do, at the border of open desert. I recently found a small family-owned pest control company that charges a lot, but takes their time and has eliminated my scorpion problem. West Valley business.
by littlebird
Thu May 18, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2795

Re: Chandler, AZ

Generally speaking, if you're going to live outside of Phoenix you want to live in the East Valley. Especially if you're going to be working; you'll be driving west in the morning and east in the evening. The sun will never be in your eyes, and in the clear desert weather, the sun can be a serious ...
by littlebird
Wed May 17, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 44
Views: 1764

Re: Refinishing roughed in stairs - removing carpet

I would re-carpet with a flat weave carpet.
by littlebird
Tue May 16, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Retirees afraid to spend? (Bloomberg)
Replies: 47
Views: 2641

Re: Retirees are hoarding cash

I'm not entirely sure I believe there is any trend. The only actual data discussed was: "United Income analyzed the estates of people who died between 2000 to 2002, and compared them with those who died between 2010 to 2012. Although the later group had just lived through a financial crisis an...
by littlebird
Mon May 15, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3336

Re: Homeowner's Insurance & New Roofs

I think the opportunistic roofers knew exactly which spots to take pictures of, what terms to use in describing the degree of damage in order to make it fit within the insurers guidelines' and how to steer the adjusters' opinions. It reminds me of the reasons why one should always have a lawyer for ...
by littlebird
Sun May 14, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 7324

Re: How Old Habits Can Sabotage Retirement

2015 wrote:
When one is truly content spending more money doesn't make one content-er...


I am truly content. But acquiring things that add to my comfort, convenience, safety and security make me feel
satisfied and grateful in addition!
by littlebird
Sun May 14, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2406

Re: Replace floor BEFORE or AFTER New Cabinets?

I've always believed the floor comes last in any remodeling project.
by littlebird
Sun May 14, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 225
Views: 33841

Re: Regret early retirement/downsizing

Retired early, but didn't downsize. Moved across the country to an area completely different from the one we came from. That move stimulated decorating, remodeling, RV'ing, biking, hiking, sight-seeing, photography, and the making of new friends, the discovery of new foods and of new cultures. The e...
by littlebird
Sun May 14, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 7324

Re: How Old Habits Can Sabotage Retirement

Companionship drastically effects this. Lots of people lose a spouse and do not travel or vacation much because they are by themselves. They have enough money but just do not go anywhere or do much. They have lost their best friend and have not found a second life after losing their spouse. So they...
by littlebird
Sat May 13, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?
Replies: 23
Views: 2392

Re: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?

I think you should consider an apartment or a small condo in a senior community rather than another house at 81. It's wonderful that she still feels like working at 81, but unfortunately things can change overnight in our 80's. Will you and she be able to afford full-time help after a fall or a hip ...
by littlebird
Thu May 11, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Long Term [Care] Rates just went Through the roof!
Replies: 34
Views: 4837

Re: Long Term [Care] Rates just went Through the roof!

Vanguard Fan 1367 wrote:And there is competition among the attorneys for the business of suing nursing homes to help keep costs out of line.


Really? Not in my experience.
by littlebird
Wed May 10, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Elderly Investor
Replies: 6
Views: 584

Re: Help With Elderly Investor

- is she still "accumulating" or has she stated taking payments? - if still accumulating, is she still subject to a surrender fee if she withdraws it all now? She is currently taking payment. There is no surrender fee. Sounds like she is withdrawing dividends (paying tax on gain first) an...
by littlebird
Wed May 10, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: My old fashioned wristwatch - update
Replies: 27
Views: 2509

Re: My old fashioned wristwatch - update

Here is an "upgrade" idea: https://www.amazon.com/CASIO-F91W-1-Casual-Sport-Watch/dp/B00006I551/ref=sr_1_2/142-0999381-1574417?ie=UTF8&qid=1494429024&sr=8-2&keywords=casio+f91w This is my current and previous watch. They last about 5 years before the band wears out. Good value...
by littlebird
Wed May 10, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: House Deed Covenant Enforceability
Replies: 43
Views: 3339

Re: House Deed Covenant Enforceability

Ignoring the question of enforceability, would a lender lend against the property with that covenant in place? I doubt it. Gill I think the question is what would the recourse? Who is going to enforce the covenant? I saw plenty of reversionary deeds while working for the railroad. Some of the boile...
by littlebird
Wed May 10, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: My old fashioned wristwatch - update
Replies: 27
Views: 2509

Re: My old fashioned wristwatch - update

pennstater2005 wrote:Not a bad idea. I have two watches I wear mostly with dress clothes but so rarely when I take them out of the drawer they're always dead. Decoration piece I guess :D


Pull out the stem when storing them, so that the battery doesn't continue to run. Lasts longer that way (but not forever).
by littlebird
Wed May 10, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term [Care] Rates just went Through the roof!
Replies: 34
Views: 4837

Re: Long Term [Care] Rates just went Through the roof!

My mom was in assisted living at the end. I learned from looking around for her that many of these places in my area can do essentially everything that a nursing home can, while costing less and providing a nicer environment. She was one of the neediest residents and her costs were about $50,000 pe...
by littlebird
Tue May 09, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Replacing residential HVAC system, Mesa Arizona
Replies: 19
Views: 1410

Re: Replacing residential HVAC system, Mesa Arizona

ncbill wrote:Also, I would NOT replace a working unit until it literally cannot be fixed.


Not a great idea where the temp can be 117 on the day it blows and the wait time for a new unit is generally 3-4 days.
by littlebird
Mon May 08, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Replacing residential HVAC system, Mesa Arizona
Replies: 19
Views: 1410

Re: Replacing residential HVAC system, Mesa Arizona

All-year resident. I had a 4 ton with 1800+ sq feet in the West Valley. I think it was 12 seer at that time. It was fine. Now I have a 5 ton with 2150 sq feet. It's fine too. Find a trusted HVAC company in your area and go with their recommendation.
by littlebird
Sun May 07, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: HOA & renting rules
Replies: 27
Views: 2420

Re: HOA & renting rules

1. Is this home located where there is a HOA with power? 2. Is there any reason to believe this would be a violation of anything? 3. This sounds like "sharing a house" and not renting an apartment. In general, "sharing a house" is OK, but renting a separate apartment is not. Som...

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