Search found 1512 matches

by littlebird
Sat Nov 16, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: More retirees have a mortgage
Replies: 85
Views: 5331

Re: More retirees have a mortgage

I live in a very large senior community. When I first moved here 26 years ago, I was given the impression by real estate people and the local newspaper that only a small percentage of buyers took mortgages. Now in talking to people, I come across many people who have mortgages. The almost universal ...
by littlebird
Fri Nov 15, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Calls Right After Death
Replies: 35
Views: 2763

Re: Collection Calls Right After Death

Just to show that this type of experience is not universal, my husband passed away 9 months ago and I have not received any untoward calls or other types of scam attempts. We, now I, use(d) a revocable living trust and a landline with screening. I did not notify anyone of his death except for his pe...
by littlebird
Mon Nov 04, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Advice re: Liability Issues of LLC vs Sole Proprietor formation for Dog Grooming Biz across boarders NJ/NY
Replies: 4
Views: 171

Re: Seeking Advice re: Liability Issues of LLC vs Sole Proprietor formation for Dog Grooming Biz across boarders NJ/NY

I agree with your lawyer. An LLC does not shield you from your own acts, and your wife is the only actor in the set-up you described.
by littlebird
Tue Oct 29, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4381

Re: Women wearing black to a wedding?

Fifteen years ago, in a suburb of NYC, I as the mother-of-the bride was the only mature woman not wearing black. Frankly, standing back as they all precessed into the dining hall, they looked like a murder of crows to me, but I come from the era when black was for funerals only.
by littlebird
Mon Oct 28, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3598

Re: Anyone have an issue with Corelle plates?

Bogle7 wrote:
Mon Oct 28, 2019 7:51 pm
You do know that the manufacturing processes for new and old Corelle dinnerware are completely different?
The same is true of Corningware and Pyrex.
by littlebird
Sun Oct 27, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4894

Re: First Republic Bank doesn’t have physical coins

Whakamole wrote:
Fri Oct 25, 2019 11:34 am
mptfan wrote:
Fri Oct 25, 2019 11:32 am
Doom&Gloom wrote:
Fri Oct 25, 2019 10:45 am
Credit cards and currency ftw!
ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting.
:-?
ftw = "for the win"
What does “for the win mean”?
by littlebird
Tue Oct 22, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard checking -- Use it or lose it
Replies: 71
Views: 5406

Re: Vanguard checking -- Use it or lose it

Sorry this happened to you. It’s another example of Vanguard’s very poor communications skills, of which I was a victim several times.
by littlebird
Sun Oct 20, 2019 7:46 pm
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7316

Re: what was vanguard like before the internet?

For all you index investor out there who are long in the tooth, just curious what you did pre internet. Landline phone and USPS mail. Vanguard had deposit slips. You mail a check and fill in the fund number on the deposit slip. Vanguard still has those fund numbers but most people don't refer to th...
by littlebird
Sun Oct 20, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Enlarge shower to include bench, walk-in tub, or both?
Replies: 40
Views: 2642

Re: Enlarge shower to include bench, walk-in tub, or both?

Do not be surprised if your wife ultimately decides that an independently purchased shower chair is more to her liking than the bench. Why? The height is adjustable. Be sure you have room for both the bench and a shower chair. Not only is the height adjustable with a portable shower chair, but the ...
by littlebird
Wed Oct 16, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6330

Re: car battery change or not? 2 year old battery

Went for an oil change, the AAA service center tested the battery and told me it needed to be replaced. I replaced it... 18 months later when it finally died. This is in AZ, where batteries hardly go longer than 24-26 months. Coming from the east coast, I learned that quickly. Batteries here usuall...
by littlebird
Wed Oct 16, 2019 12:53 am
Forum: Personal Consumer Issues
Topic: Open Windows and Shower- Smoke Detector
Replies: 9
Views: 941

Re: Open Windows and Shower- Smoke Detector

I have a smoke detector right outside of my bathroom in a hallway. When I shower with windows open (parts of fall and spring), the detector regularly goes off during my shower. However, it never goes off if my windows are closed and my heat/ac is enaged (doesn’t matter if system is actually running...
by littlebird
Tue Oct 15, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: from a Community Foundation or my own checkbook
Replies: 9
Views: 655

Re: from a Community Foundation or my own checkbook

I use a donor advised fund (Fidelity), not a community foundation, and much prefer it to writing checks, since 1) repeated giving to a particular charity can be made automatically and 2) best of all, it can be made anonymously.
by littlebird
Tue Oct 08, 2019 11:42 pm
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 7883

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

“Virtue-signaling” is already a hopeless cliche, but “Hi! I’m sixty-something, and I’m cognitively declined!” does seem to be a perverse version of it that for some reason has infected this board I do not see that at all. Most people on this board seem aware that it could happen to them. Some are e...
by littlebird
Mon Oct 07, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 7883

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

“Virtue-signaling” is already a hopeless cliche, but “Hi! I’m sixty-something, and I’m cognitively declined!” does seem to be a perverse version of it that for some reason has infected this board I do not see that at all. Most people on this board seem aware that it could happen to them. Some are e...
by littlebird
Sun Oct 06, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Psychologically adverse to start drawing down in retirement
Replies: 82
Views: 8225

Re: Psychologically adverse to start drawing down in retirement

After 27 years of living on s.s. and pension, not needing to invade our assets except for a major expenditure, my spouse started to need $4000/month care. There was no way I could cash flow that. I knew I would be constantly calculating and recalculating the advantages and disadvantages of taking th...
by littlebird
Sat Oct 05, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: French Doors Suggestions/Tips?
Replies: 11
Views: 1170

Re: French Doors Suggestions/Tips?

I have a house in Scottsdale, AZ. Currently I have some older sliding doors that lead to the backyard/patio/pool. It is mostly southern facing although the patio roof helps a bit with the sun. I'm looking at replacing them with some kind of french doors, accordion style, etc. Any suggestions as to ...
by littlebird
Fri Oct 04, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16283

Re: What is your plan for the last few years of a long life?

I think I’ll be fine even if I live into my 90’s (which I do not expect to do). I have enough for any reasonable late life and end-of-life scenarios . And, I feel compelled to say, this did not come about through high earnings, extreme frugality, long-range planning, or family wealth. Just ordinary...
by littlebird
Fri Oct 04, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16283

Re: What is your plan for the last few years of a long life?

I think I’ll be fine even if I live into my 90’s (which I do not expect to do). I have enough for any reasonable late life and end-of-life scenarios . And, I feel compelled to say, this did not come about through high earnings, extreme frugality, long-range planning, or family wealth. Just ordinary ...
by littlebird
Fri Oct 04, 2019 10:50 am
Forum: Investing - Theory, News & General
Topic: SPIA and your health
Replies: 25
Views: 2445

Re: SPIA and your health

At age 75 my mother was in perfect health. By age 80 she had developed Parkinsons, and by age 84 she was no longer with us. With some variation, that’s the story for all of us. If at 75 she bought an annuity, and thereafter felt confident that she would never become so destitute that she had to bec...
by littlebird
Tue Oct 01, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Living Trust and Insurance
Replies: 8
Views: 894

Re: Living Trust and Insurance

Our trust is an additional insured on our policies.
by littlebird
Sun Sep 29, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3289

Re: Salt-Free Water Softeners

There are companies and people you can pay to deliver and put the salt you want into your softener each month if needed. Don't hurt yourself. Yes, Culligan will deliver but unless I give them a key to the house they will have to leave the bags outside. Perhaps I can come up with some water-tight pl...
by littlebird
Sat Sep 21, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1627

Re: Need new Refrigerator

My only gripe is that if you don’t want an ice maker (which I don’t), there’s only a commercial model to choose from. I had my icemaker and chilled water supply removed from my Kenmore by a Sears technician the day after it was delivered. I’ve been enjoying the use of an extra shelf and and extra d...
by littlebird
Fri Sep 20, 2019 12:28 am
Forum: Personal Consumer Issues
Topic: moving retired/elderly parents to soCal? sane or insane?
Replies: 29
Views: 2463

Re: moving retired/elderly parents to soCal? sane or insane?

My parents are thinking to move to southern California to be closer to me and my wife. A few ideas that I've had: -rent a 1 bdrm apartment on ground floor, somewhere cheaper (but safe) than where I live (Newport Beach), thinking inland Empire, Palm Springs -buy a house in Palms Springs or IE. I cou...
by littlebird
Tue Sep 17, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 35
Views: 2893

Re: Grand Canyon and More In October

If you want to rent bikes and cycle, then Death Valley is a great place to do so. Be sure to get the jersey to impress all your friends. I guarantee you will get asked lots of questions if you wear this on your club rides. My all time favorite place to cycle. Spent 30 wonderful days there many year...
by littlebird
Tue Sep 17, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Trust or Will - Single never married
Replies: 21
Views: 2100

Re: Trust or Will - Single never married

What arrangements have you made for the possibility that you outlive your ability to take care of your own finances. While a will doesn’t help in this situation, a revocable trust does. Especially for someone without a “natural” representative, like a spouse or child. If I were in your situation, I ...
by littlebird
Mon Sep 16, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4734

Re: Seasoned retirees...

That the greatest luxury in the world is the ability to spend your time as you choose, with whom you choose, without the need to earn a living. With this luxury in your possession, the desire for other luxuries recede below the horizon.
by littlebird
Fri Sep 13, 2019 6:46 am
Forum: Personal Consumer Issues
Topic: Whether to change phone number for elderly parents
Replies: 34
Views: 3229

Re: Whether to change phone number for elderly parents

I have a landline and am on the do not call list but the robos come anyway. I keep the ringer turned off unless I am expecting a call othertimes everything goes through an answering machine. The robos for the most part do not leave messages. This works very well for me. Yes. My ringers are off, exc...
by littlebird
Thu Sep 12, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9540

Re: How old is your cellphone?

Don’t know. Don’t care. It works.
by littlebird
Mon Sep 09, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off house with disabled wife's IRA / Upcoming Medical Bills questions
Replies: 8
Views: 710

Re: Pay off house with disabled wife's IRA / Upcoming Medical Bills questions

For maximum flexibility now and later on if you’ll need to apply for benefits, e.g. Medicaid, I would definitely not pay off the mortgage.
by littlebird
Sun Sep 08, 2019 12:38 am
Forum: Personal Consumer Issues
Topic: Sedona bike trail choices
Replies: 4
Views: 669

Re: Sedona bike trail choices

Agree with the others above on Bell Rock. Have fun!
by littlebird
Sun Sep 08, 2019 12:29 am
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3456

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

I lived in a house for 23 years and had the a/c serviced twice. These were not due to an outage. The first time he checked the refrigerant (it was ok) and he hosed off the fins. The second time he added some refrigerant. Never needed any parts replaced. I’m with you. I’ve lived in AZ 26 years. The ...
by littlebird
Sat Sep 07, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: Trouble logging on to Vanguard in the last week...
Replies: 14
Views: 1389

Re: Trouble logging on to Vanguard in the last week...

The trouble I’m having is connected with a pop up touting their retirement planning service. On my iPad the cancel button needs to be tapped about a dozen times before it allows me to proceed to my account. Fortunately for me, I no longer have the bulk of my assets at V; just a variable annuity.
by littlebird
Fri Sep 06, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Are you thinking about having a home healthcare aide instead of moving to a retirement home?
Replies: 33
Views: 2524

Re: Are you thinking about having a home healthcare aide instead of moving to a retirement home?

NYT had article with in-depth coverage of homehealth live-in aide who is on duty 24/7 for 27 days a month caring for an elderly man with dementia and Parkinsons. A colleague provides relief four days per month. Her life seems exhausting and unsustainable. Theoretically she is supposed to have at le...
by littlebird
Fri Sep 06, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Are you thinking about having a home healthcare aide instead of moving to a retirement home?
Replies: 33
Views: 2524

Re: Are you thinking about having a home healthcare aide instead of moving to a retirement home?

Four out of 10 people will opt for paid care at home, and the median annual cost of a home-health aide hovers at $50,000, according to the U.S. Department of Health and Human Services’ Administration on Aging. Most people over 65 will need help with daily living tasks. Men will need such assistance...
by littlebird
Mon Sep 02, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Life Expectancy For Those Born in 1960
Replies: 26
Views: 2322

Re: Life Expectancy For Those Born in 1960

On the same subject: I was talking to a friend who is a physician about life expectancy and how women live longer than men. He told me that while that used to be the case, it is not so true now. His reasoning was that the shorter expectancy for men was largely due to heart problems, and high blood ...
by littlebird
Mon Sep 02, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 6908

Re: Water alarm just saved me a lot of $$$. Do you have them?

Yes, have been using them for years. Have one under each sink and next to washing machine. Over the years, they have gone off a few times, indicating some seepage every time. When we used to leave the house for more than a day, we turned off the main inflow to the house - and the circuit breaker for...
by littlebird
Fri Aug 30, 2019 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16283

Re: What is your plan for the last few years of a long life?

From Searstone in Cary NC: https://www.searstone.com/nursing-homes-in-raleigh-north-carolina The Life Care Program at SearStone provides unlimited long-term care such as Assisted Living, Memory Support and Skilled Nursing and Rehab care. There is a one-time fee for Life Care which is $62,000 per pe...
by littlebird
Fri Aug 30, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16283

Re: CCRC...Continuing Care Retirement Communities

A number of posts have been about CCRCs. I don't think that a CCRC would fit my current situation...maybe in 10 years? I did a quick Google search and found Searstone near Raleigh, NC. Here are the costs for 2 people from a quick read: Entrance fee: $364K...fully refundable when you leave Monthly f...
by littlebird
Fri Aug 30, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16283

Re: What is your plan for the last few years of a long life?

My wife has kindly offered to put a pillow over my face if this happens, so I'm relieved to not worry about it. I'm just home from the hospital after a seizure. My wife, who had been totally uninterested in personal finance up until that event, finally asked "How can I withdraw money from the portf...
by littlebird
Fri Aug 23, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security replacement annuity -- Is there such a product?
Replies: 64
Views: 5152

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

But it may be possible to buy/rent smaller premises that have lower taxes and cost less to heat and cool. All things in life are possible, but many people do not want their spouse to be forced to move after their death. A financially secure retirement is one that doesn't rely on what is possible wi...
by littlebird
Fri Aug 23, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What do people do with finances as they approach very old age?
Replies: 17
Views: 3090

Re: What do people do with finances as they approach very old age?

My spouse, until he died, had me. I have named my daughter as co-trustee of my and my late spouse’s trust. Everything I own is in the trust except for the auto, some I bonds, my IRA, an annuity and some physical gold. Decisions, preparations and notes have been shared as to the handling of these ite...
by littlebird
Wed Aug 21, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 11863

Re: Do Bogleheads plan to utilize Independent Living facilities?

Here are recent numbers for a CCRC, the Collington, in Mitchville, MD (north of Annapolis). These quotes are for the type A contract (Life Care), meaning independent living, assisted living and skilled nursing (including dementia) are included in the pricing. They offer many types of residences, bu...
by littlebird
Tue Aug 13, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Complaint with Medicare on Unethical Part D insurer
Replies: 12
Views: 1316

Re: Filing Complaint with Medicare on Unethical Part D insurer

My only experience with a complaint to Medicare was a complete waste of time, although my complaint was about a rehab that withheld liquids and dehydrated my spouse to nearly the point of death. He was revived by emergency EMTs and brought to hospital, where they kept him for 10 days to recover. Med...
by littlebird
Thu Aug 08, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: How many bids/estimates do you get for services
Replies: 36
Views: 1780

Re: How many bids/estimates do you get for services

Generally just one for small jobs. I ask him how much and if it sounds reasonable I tell him to proceed. Small is under say $10k. Too much work otherwise. 1. Your time is worth money too. 2. Right now, at this time in the business cycle, it is not easy to get bids, sometimes even getting one can be...
by littlebird
Tue Aug 06, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 120922

Re: What frugal thing did you do today?

O.K. I think this may be a first on this list: I prepared an (Arizona) “Small Estate Affidavit” for myself, leaving out the date of death of course, for any non-Trust, non-P.O.D assets I may own at my death that my daughter/executor can’t obtain otherwise. For assets totaling under $75,000, this aff...
by littlebird
Tue Aug 06, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Not getting 5% reward cash back on my Amazon prime credit card
Replies: 24
Views: 3067

Re: Not getting 5% reward cash back on my Amazon prime credit card

It isn't "cash back". You get points in your Amazon account that you can use for future Amazon purchases. When you go to pay, you can choose "Credit Card", "Gift Card" and it will show a summary of your Amazon points that you can use against your next purchase. Are you expecting a check mailed? Or ...
by littlebird
Tue Aug 06, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Not getting 5% reward cash back on my Amazon prime credit card
Replies: 24
Views: 3067

Re: Not getting 5% reward cash back on my Amazon prime credit card

Does your household have a second card with them? I opened up a separate card for my spouse, to keep track of his tax- deductible medical purchases, and discovered that Amazon had switched the 5% cash back to HIS card, leaving me with 3% back on all the household purchases I made on the original car...
by littlebird
Mon Aug 05, 2019 2:07 pm
Forum: Investing - Theory, News & General
Topic: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"
Replies: 54
Views: 7787

Re: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"

I also find certain things Vanguard does is a bit harsh. I've moved and did all of the change address stuff but apparently something got returned to Vanguard (maybe a post office issue?) and next I knew there was a rather excessively harsh statement online when I logged in stating something to the ...
by littlebird
Sun Aug 04, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5333

Re: Are all models of Toyota generally considered reliable?

Had two wonderful Siennas, but my 2015 Camry's radio, clock, driving info module died just after the warranty expired. And the variable lighting of the backup camera went with it. Bit of a letdown.
by littlebird
Sat Aug 03, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: For long time retirees, do you use a spreadsheet?
Replies: 37
Views: 2949

Re: For long time retirees, do you use a spreadsheet?

No, but I’m from the pencil and paper generation. And - I live on income and only withdraw from assets for capitol purchases. Plus, after 31 years of retirement, I have a pretty good mental picture of assets, income and expenditures. A pencil and paper annual net worth statement does me just fine,