Search found 1432 matches

by littlebird
Sun May 19, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security replacement annuity -- Is there such a product?
Replies: 43
Views: 2861

Re: Social Security replacement annuity -- Is there such a product?

Depending on the details, there is a partial survivor ship feature of Social Security. My wife, for example, gets monthly SS based on my income over the decades. If I die first, she will get my, much higher, SS monthly income instead of her lower income. You are missing the point. If she is receivi...
by littlebird
Tue May 14, 2019 2:04 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 124
Views: 17336

Re: Single People and Retirement Question

I've spent many years coming to Sun City, AZ as a snowbird and have seriously looked into full-time living here. But, I've found senior retirement communities like this to be enormously vacuous for someone like me. Most of the population seems to be attracted to the American lifestyle of material, ...
by littlebird
Mon May 13, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: DIY amendment to Trust?
Replies: 22
Views: 1907

Re: DIY amendment to Trust?

One of my neighbors had a Revocable Trust where the top sheet was headed: “ I wish to make the following changes”. There were lines below. I helped her write “I want to substitute my grandson Joseph Jones as my co-trustee of this Trust, in place of my son, Harry Jones”. A neighbor notarized it. She ...
by littlebird
Sat May 11, 2019 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 45
Views: 5985

Re: Fidelity: can no longer use first initial, middle name

I have gone by my middle name for life, actually a nickname for middle name. IMHO the entity has the right to request whatever your official name might be. If they don't stray from whatever is on your birth certificate, I see no issues. If they ask for "First name, middle initial, last name" it sho...
by littlebird
Tue Apr 30, 2019 11:08 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 55
Views: 7871

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

People always bring up hurricanes when talking about retiring on the gulf coast, but I have always thought them to be the most benign of natural disasters for retirees. Unlike wildfires and tornados, a hurricane is unlikely to destroy your house. Unlike a blizzard or an earthquake, hurricanes can b...
by littlebird
Tue Apr 30, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9305

Re: EXTREMELY frugal things from our parents and grandparents

On washing plastic bags. I can remember having my school lunch sandwich wrapped in wax paper or wax paper bags. No fancy plastic for us! What ever happened to using wax paper? I still use wax paper. It was saved from obsolescence just in time -so I’ve heard - by the invention of the microwave oven,...
by littlebird
Tue Apr 30, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3139

Re: new roof

I see that only the “shasta white” color gets the “Energy Star” certification. I don’t know what your neighborhood is like, but if it’s the slightest bit upscale and you’re committed to the “shasta white”, I’d definitely go for the architectural shingles. The flat shingles in “shasta white” are, wel...
by littlebird
Fri Apr 26, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27296

Re: 20 countries where 200K in retirement savings will last you decades

$24k/year don't sound like a very comfortable life. 2 years ago, when my spouse was in assisted living, so I was able to disentangle my living expenses from his, my entire year’s living expenses in my large well maintained home in a fabulous, amenity-rich senior community in Arizona was $25,000. I ...
by littlebird
Tue Apr 16, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9990

Re: seriously thinking about leaving S. CA but where to?

Some facts about Scottsdale and Phoenix Metro area that have been distorted above. 1. Summer runs from May 20th to about October 15. Long term desert rats leave for some of this time or travel a lot. Also everything is air conditioned and we wear shorts and sandals all the time so it does not bothe...
by littlebird
Mon Apr 15, 2019 3:39 am
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 77
Views: 4159

Re: Women, How Much Do You Pay for Haircut

Nothing. Hate going to a salon and find it easy to keep my shoulder-length hair cut by myself. Used to have very full head of hair, but also good arm strength and flexibility. Luckily, as both diminished, so did the amount of hair on my head, so in my mid-seventies, I’m still able to cut my own hair...
by littlebird
Thu Apr 11, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Funds discovered after probate?
Replies: 13
Views: 1363

Re: Funds discovered after probate?

We signed affidavits that we were the rightful heirs, and the company sent us each a check.
by littlebird
Wed Apr 10, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice and Medicare Advantage Plans - a little known Catch22
Replies: 40
Views: 3183

Re: Hospice and Medicare Advantage Plans - a little known Catch22

Why didn't you just suspend hospice care during the time she was getting treatment for the other issues? That is usually what happens to my patients who go down this route and then develop another issue. Then again, I have not experienced it myself (in the shoes) so maybe they did something differe...
by littlebird
Wed Apr 10, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice and Medicare Advantage Plans - a little known Catch22
Replies: 40
Views: 3183

Re: Hospice and Medicare Advantage Plans - a little known Catch22

Why didn't you just suspend hospice care during the time she was getting treatment for the other issues? That is usually what happens to my patients who go down this route and then develop another issue. Then again, I have not experienced it myself (in the shoes) so maybe they did something differe...
by littlebird
Sun Apr 07, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Self-Insurers: How are you planning and investing for old age care?
Replies: 47
Views: 2952

Re: Long Term Care Self-Insurers: How are you planning and investing for old age care?

Have just finished funding 3 years of care for my much older, now deceased spouse. We used first an assisted living group home and lastly in-home 6 hours/day agency caregivers. Both experiences were extremely positive. Hospice - covered by medicare - was a huge help. At the end of the 3 years, there...
by littlebird
Fri Mar 29, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: What expenses did you reduce?
Replies: 63
Views: 4202

Re: Retirement: What expenses did you reduce?

In addition to all the above, including getting rid of the second car, we moved from a VHCoL area to a MCoL one. In this area we forgo lawns and all their attendant expenses in favor of gravel and desert plants. Maintenance now consists of twice yearly light trimming of shrubs, thinning out of trees...
by littlebird
Wed Mar 27, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 827
Views: 81874

Re: What frugal thing did you do today?

Am getting my spouse’s cremated remains back today. After sending his body to the crematorium, I was solicited to donate it for research. I am extremely interested in the effort to find a cure for Alzheimer’s, and although he did not have Alzheimer’s, he did have a neurological disorder. So, I was w...
by littlebird
Tue Feb 26, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Man plans to live at Holiday Inn instead of nursing home because it’s cheaper
Replies: 18
Views: 2945

Re: Man plans to live at Holiday Inn instead of nursing home because it’s cheaper

Instead of a nursing home. So the desk clerk will lead him in to dinner and feed him and dispense his medications, and the maid will empty his catheter bag? I think this person is confused between an independent living facility and a nursing home.
by littlebird
Fri Feb 22, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: S.S. Step up on death of spouse. Automatic?
Replies: 6
Views: 464

S.S. Step up on death of spouse. Automatic?

My long-suffering spouse passed away peacefully this week. The crematory says they notify S.S.. Since his S.S. payment was higher than mine, I expect to step up to his. Does this occur automatically, or do I need to call S.S.?
by littlebird
Mon Feb 18, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Problems signing the tax return
Replies: 11
Views: 1161

Re: Problems signing the tax return

In that same situation with my husband. Following directions I found somewhere in pub 17 a few years ago, I sign “mr littlebird, by mrs. littlebird” and attach a note stating that he is unable to hold a pen and that he has directed me to sign for him. Then I sign my name.
by littlebird
Sat Feb 09, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 5829

Re: Buying house with son [and his girlfriend]

I know firsthand of two instances where extended family ownership by tenants-in-common resulted eventually in strangers to the arrangement owning a share of the house. I think the OP needs to explore his ownership options more closely.
by littlebird
Tue Jan 22, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 16091

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

True story: Well-regarded Estate Law professor inexplicably leaves large family home jointly to young second wife and only slightly younger daughter from the first marriage. What ensues was predictible to everyone except, apparently, the professor. This becomes the cautionary first case presented ye...
by littlebird
Sat Jan 19, 2019 6:10 pm
Forum: Investing - Theory, News & General
Topic: So when do you sell?
Replies: 27
Views: 2752

Re: So when do you sell?

It’s possible that you might want to, or have to, sell in old age to provide long term care for yourself and/or spouse. My spouse is entering his 4th year of care, first in an assisted living group home, and now at home with (currentlly) 39 hours of agency aides. So far I haven’t *had to* sell any e...
by littlebird
Sat Jan 19, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8331

Re: What is a Boglehead funeral/burial?

Mingus wrote:
Sat Jan 19, 2019 4:27 pm
Burial at sea.
I looked into that for my navy veteran (WWII) spouse when the time comes. The navy provides a burial of either the entire body or cremains for their own. You have to deliver the product to the port.
by littlebird
Fri Jan 11, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 236
Views: 41009

Re: What to do when a parent's money runs out?

One thing I will say is that I look at it that $1200/mo SS plus $1000 from you on top -- that is what I estimate as the bare minimum a person could survive on. (I'm talking without any other monthly bills due to debt.) That's $26,400 a year. I doubt there are folks on this forum that are able to li...
by littlebird
Sat Jan 05, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Phone concierge service for seniors?
Replies: 17
Views: 1635

Re: Phone concierge service for seniors?

There are still old-style phone answering services where a human being answers the phone and follows the customer’s directions as to which calls are to be forwarded, which are not, and how to handle them.
by littlebird
Tue Jan 01, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 417116

Re: What are you up YTD? [Year To Date]

Down 1.42% with 12% stock allocation. This is the 3rd year of 40-50K expenses for spouse’s long-term care (at home with 6 hours/day of home health aides most recently.) The higher end of that range is more than our pension and SS totals. This year I will be able to reduce that expense to ~$36,000 wi...
by littlebird
Fri Dec 28, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9600

Re: What common everyday inconvenience have you intentionally suffered for frugality?

None whatsoever. I live fairly modestly, no longer traveling or eating out, but convenience, along with comfort, safety, and secutity, is something I don’t skimp on.
by littlebird
Fri Dec 28, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 14074

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

"these circumstances"?? What are "These circumstances". Sounds like maybe Mr. Bogle has been watching too much CNN :) Or maybe he’s watching just enough to hone his judgment. Personally, in the same time of life as Mr. Bogle, I didn’t “over re-balance” into stocks this time, something I’ve done at ...
by littlebird
Tue Dec 25, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 59400

Re: What NON frugal thing did you do today?

Paid time and a half holiday rate for my spouse’s morning aide to do her usual shift and gave her a fairly generous holiday bonus in addition. At our stage of life, there isn’t a whole lot of things to be unfrugal with, but competent, caring help is certainly up there.
by littlebird
Sat Dec 22, 2018 9:41 am
Forum: Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 84
Views: 11051

Re: Have you moved to ETF's? Why or why not?

I now hold my remaining V. mutual fund shares at Schwab, where I’m required to place orders for V. funds no later than 1 hour before market close for same day execution. This cuts down even more on my knowledge of the price I’ll be getting or paying. So in the new tax year I’ll be selling, and buyin...
by littlebird
Wed Dec 19, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 55
Views: 11002

Re: My son was scammed on Craigslist- how to get money back

Look on the bright side, he could have wired $400k https://www.nbcbayarea.com/news/local/Experts-Virtually-All-CA-Real-Estate-Transactions-Targeted-By-Hackers-487165181.html Ten years of sacrifice and dreams of home ownership gone in a flash. We make all of our clients sign a Wire Fraud warning she...
by littlebird
Wed Dec 19, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 123
Views: 14566

Re: Spam calls to cell phone...

Make sure you are on the National Do Not Call Registry. When you get a spam call, use a phone app to block the number and immediately report the call to the DNC Registry. As far as I can tell Do Not Call accomplishes nothing. If anyone has information to the contrary, I would like to hear it. In my...
by littlebird
Sat Dec 15, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Has anyone used Heal? [Doctor housecall app]
Replies: 32
Views: 2323

Re: Has anyone used Heal? [Doctor housecall app]

We have used a housecall medical practice. They send PAs or NPs, not physicians. Physician “supervises” from afar. They charge about $175/visit, Medicare negotiated. We were reasonably satisfied, given that spouse could not travel, and we had no other option.
by littlebird
Sat Dec 15, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 20246

Re: Favorite Purchase of 2018?

What I appreciate every day is my terrycloth toilet seat cover (I’m a female). Winter mornings in AZ can feel very cold to natives and long-time residents.
by littlebird
Wed Dec 12, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5872

Re: Lyft driver got into an accident, but denies it

If the police don’t show up, you should go to the nearest station to the accident scene, if possible, and if not possible, the nearest to your location and file a report. You should do this within a few days.
by littlebird
Wed Dec 12, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 28
Views: 1918

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

These POA threads occur from time to time - and I am curious what sorts of things a POA would authorized in addition to those granted by Vanguard's "Full Authority". Or is the POA intended to be more than Limited Authority but exclude items in the Full authority list? Full authority Your grantee wi...
by littlebird
Sun Dec 09, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Contingent Durable Power of Attorney
Replies: 14
Views: 857

Re: Contingent Durable Power of Attorney

FBN2014 wrote:
Sun Dec 09, 2018 9:08 am
A successor trustee only applies to managing your trust when you are deceased
This is not correct. You can relinquish your trusteeship and turn management over to a successor trustee while you are alive.
by littlebird
Mon Dec 03, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: move SIM from one Tracfone to another Tracfone
Replies: 3
Views: 461

Re: move SIM from one Tracfone to another Tracfone

I’ve been told “yes”, but I haven’t tried it myself. Give it a try and see what happens. It’s reversible.
by littlebird
Sat Nov 24, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Helping elderly Mom with finances
Replies: 45
Views: 3612

Re: Helping elderly Mom with finances

Establishing “agent authorization”, (notice it’s not called a “power of attorney”, which has specific meanings under state laws,) is only part of the battle at Vanguard ( e.g. both principal and agent must sign within 30 days of submission to V.). The larger part of the battle comes when you actual...
by littlebird
Fri Nov 23, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Helping elderly Mom with finances
Replies: 45
Views: 3612

Re: Helping elderly Mom with finances

Having established POAs at Vanguard for my in-laws, mother, and even for my wife and I (setting up agent authorization), I'll politely disagree with ResearchMed on that point. However, besides the low cost fund, I know of no significant Vanguard advantage over Schwab, and if you are comfortable the...
by littlebird
Fri Nov 23, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: New account name-DW wants to use different name
Replies: 12
Views: 1158

Re: New account name-DW wants to use different name

no one will care. my spouse moves money from my name to theirs all the time and no one notices..... once the accounts are linked, it moves. i would close the BofA account (dislike heavily). sounds like shes getting ready to move on...../s Don’t try this with Vanguard. They wouldn’t move my spouse’s...
by littlebird
Thu Nov 15, 2018 9:57 am
Forum: Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5456

Re: Oops! Edward Jones tops Vanguard in customer survey

I'd rather have a low cost no frills brokerage than a high cost snake oil salesman. Customer surveys are worthless. Look at where the assets are moving. No frills is OK. It’s hidden landmines that are the problem with VG. Umm. What hidden landmines? https://www.bogleheads.org/forum/viewtopic.php?f=...
by littlebird
Wed Nov 14, 2018 10:58 am
Forum: Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5456

Re: Oops! Edward Jones tops Vanguard in customer survey

Alexa9 wrote:
Wed Nov 14, 2018 9:59 am
I'd rather have a low cost no frills brokerage than a high cost snake oil salesman. Customer surveys are worthless. Look at where the assets are moving.
No frills is OK. It’s hidden landmines that are the problem with VG.
by littlebird
Sat Nov 10, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 5260

Re: Doing taxes by hand

I used to order them or pick them up at the library, but I changed over to printing them from the IRS website several years ago. The local library no longer stocks them, but they have pcs/printers that one can use to print them off for something like a dime a page. I keep the instructions in electr...
by littlebird
Thu Nov 08, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 4842

Re: Would you still jump if you were ready, then the market dropped 50%??

We did in late ‘87. Fortunately, the buyer of our home had taken their money out of the market the day before the crash, and we had already purchased our new home for cash. The cash from the old home carried us for quite a while, and we didn’t even consider lowering our expectations for an active ea...
by littlebird
Wed Oct 24, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6285

Re: Retirees: What keeps you up at night?

Only the necessity for nocturnal bathroom visits and the difficulty of returning to sleep once awake. NOT the fact that we’re currently spending $50,000/year on my spouse’s home health aides, 3 years now of such expenses. Still managing well on our (relatively) modest income and assets. At our ages,...
by littlebird
Sun Sep 16, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8478

Re: How did you decide when to retire?

We asked ourselves if it was possible to do so.
by littlebird
Mon Sep 10, 2018 9:41 am
Forum: Personal Investments
Topic: Revocable trust
Replies: 5
Views: 565

Re: Revocable trust

My banks don’t care what names are embossed on our trust checks. They care only that there are authorized signers and those are the persons who sign the checks. You need either a new bank, or the ability to speak to someone higher up in your current bank.