Search found 1235 matches

by littlebird
Wed Oct 18, 2017 1:26 am
Forum: Personal Consumer Issues
Topic: Recommendations on quartz countertops
Replies: 9
Views: 914

Re: Recommendations on quartz countertops

I have Viaterra brand and have no problems or complaints, except that it hides dirt so effectively that counters appear clean when they are demonstrably sticky to the touch. The only solution seems to be to sponge down routinely after every food contact. Otherwise they are as maintenance-free as For...
by littlebird
Tue Oct 17, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 87
Views: 6253

Re: how long did it take to get used to retirement

Well, I never felt it was necessary for me to feel productive in retirement. Retirement was for doing the things I wanted to do in life that I couldn't do if my spouse and I were working. We wanted to move to the southwest, live modestly on our modest means in a lower cost environment, see the sight...
by littlebird
Tue Oct 17, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 87
Views: 6253

Re: how long did it take to get used to retirement

It's been almost a year for me and I still can't get used to it. The problem is that now that I have so much time, nothing seems very urgent. When I was working, every minute of free time was precious so I would try to cram in all my exercise, all my projects, all my socializing into those very pre...
by littlebird
Tue Oct 17, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 94
Views: 12803

Re: Annuities-when and why?

Littlebird, Did you ever have the option of partially annuitizing your VVA? No, it was all or nothing. But I must have known that years ago when I set it up, because I did set up 2 separate contracts, and added to them both as the years went by, although I honestly don't remember any more if that w...
by littlebird
Mon Oct 16, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 94
Views: 12803

Re: Annuities-when and why?

Because of my age and work history I had very little tax-deferred space. And I wanted more. I started investing in a Vanguard Variable Annuity ( functionally almost indistinguishable from a regular Vanguard mutual fund account) when I was 58 1/2, so that if I were to change my mind and want out, th...
by littlebird
Fri Oct 13, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Setting Beneficiary vs. Revocable Trust (probate)
Replies: 4
Views: 362

Re: Setting Beneficiary vs. Revocable Trust (probate)

pshonore wrote:
Fri Oct 13, 2017 9:32 am
The Probate Court does not get involved in the asset distribution but they do, in effect, collect taxes on them.
The executor is under the, at least, nominal supervision of the Court, to whom the executor must turn if there are any problems or questions involving asset distribution.
by littlebird
Wed Oct 11, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17894

Re:

Hello, I'm coming out of very occasional lurking because of this post. I'm married, no children by choice, siblings with A question following up on posts above, which have touched on this-- I'd like to get some ideas for *specific* resources or ways to locate financially and ethically trustworthy f...
by littlebird
Wed Oct 11, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17894

Re: Growing old without kids or younger caring relatives

After several years of living here in comfort, I identified a caregiver who knows the facility and local hospitals well, and made him my DPOA for Health Care in case of a medical emergency. He is the on-site person when I have minor surgery w/anesthesia who knows my wishes until my relatives who ha...
by littlebird
Mon Oct 09, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3704

Re: What specific changes have you made post-Equifax?

Nothing. Completely unimpressed by recommendations of media.
by littlebird
Sun Oct 08, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1492

Re: What do you do with your empty inkjet cartridges?

HP used to enclose a little "return and recycle" post-paid envelope with each new cartridge. That lasted about a year. Now I just throw them out, for lack of a reasonable alternative.
by littlebird
Sat Oct 07, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5703

Re: Roof shingles do not match - Neighbor sent notice

I don't have an HOA either but still have covenants... I'm unclear about how you can have "covenants" without a legal body (HOA) to enforce them. Whoever the covenants are intended to benefit can sue to enforce them. It should be clear from the deed who those parties are. There used to be deed cove...
by littlebird
Sat Oct 07, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17894

Re: Growing old without kids or younger caring relatives

I can say as a physician it is a BIG deal. It isn't just about caring for oneself if not able to do it by oneself. My sister has had a few medical procedures done requiring sedation and had to have my father drive her home and stay with her for a day. What is she going to do for even for simple thi...
by littlebird
Sat Oct 07, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 24966

Re: Retirement Account Stolen by Identity theft

In Missouri I've never had a notary ask for more than a Driver's license. No thumbprint. I have had stuff notarized in CA and Oregon, and in both cases ID and thumb print were recorded in the notary's book. And I believe the OP mentioned that the notary in this case was allegedly (if real) in CA. H...
by littlebird
Fri Oct 06, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 24966

Re: Retirement Account Stolen by Identity theft

I doubt that the victim even had any kind of logon credentials on his account,the "logon credentials" were added by the crooks. According his son's posts here, victim had security questions specified: So here is what I know so far. The custodian of my father's IRA states that in early September the...
by littlebird
Fri Oct 06, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1860

Re: Paper checks, how safe are they?

In their favor, the laws regarding check fraud are long established, uniform, and favorable to the check-writer/account owner.
by littlebird
Thu Oct 05, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Cannot logon to Vanguard using iPad application
Replies: 10
Views: 432

Re: Cannot logon to Vanguard using iPad application

I can't log on with my laptop. This morning I did an on-line transaction with no trouble, but now with IE I get to a home page, but can't log on. With Chrome, I can't even get to a home page. Website Is It Down Right Now says everything fine for them. Edit : Went back 15 min. later and logged on w. ...
by littlebird
Wed Oct 04, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Renting to parent vs. inheriting
Replies: 13
Views: 1049

Re: Renting to parent vs. inheriting

As a single person, if she has equity in a house, and Medicaid pays part or all of her long term care, Medicaid will require her to sell the house at some point. Exactly when will depend on state law, but the house will not be passed on to you if the taxpayers fund her care. So this should not be a ...
by littlebird
Wed Oct 04, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9162

Re: Senior citizens can lose everything to this growing scam

"All it takes is a short note from a doctor or physicians assistant to get someone ruled incompetent by the court. "


While this may or may not be true in Nevada, it's not true in many other states. Do some research on your own state's guardianship laws.
by littlebird
Wed Oct 04, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9162

Re: Senior citizens can lose everything [to professional guardians via court rulings]

Guardianships are a last resort. While the procedures vary from state to state, they're generally cumbersome. If the family cooperates, one or more family members can be the guardian(s), in which case it will be a bit of a nuisance but not the disaster as in the articles. While (as has been discuss...
by littlebird
Sun Oct 01, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Your Investing Life™: Helping parents prepare for the future."
Replies: 6
Views: 1027

Re: Vanguard: "Your Investing Life™: Helping parents prepare for the future."

At a glance Start the conversation with your parents when everyone’s ready. Evaluate your care options. Prepare the proper paperwork. Members of Generation X have been called the “Sandwich Generation”—not because they love lunch, but because they may have to care for their children and aging parent...
by littlebird
Sat Sep 30, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS
Replies: 32
Views: 2217

Re: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS

I can't comment on the investment management aspect, since I don't use that type of service. What I can tell you is that Schwab's customer service is orders of magnitude better than Vanguard's at he current time.
by littlebird
Wed Sep 27, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Naming a temporary power of attorney
Replies: 9
Views: 475

Re: Naming a temporary power of attorney

So everyone's initial impressions are good. BUT, we are living in a new world with the Uniform Power of Attorney Act. UPOAA. So Gill's answer is correct, but it depends on both state law and how the POA was drafted. Here is the provision of the UPOAA SECTION 201. AUTHORITY THAT REQUIRES SPECIFIC GR...
by littlebird
Wed Sep 27, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4467

Re: $700 to install a dishwasher seem by a plumber?!

Do they require an electrician to install an oven or microwave? If not, it sounds like a condo board member is a plumber and is looking for more business. Or they had a bad experience where a not very competent owner or handyperson did some plumbing work which caused a leak or other problem for nei...
by littlebird
Mon Sep 25, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: FYI- Security issue at PenFed
Replies: 9
Views: 1135

Re: FYI- Security issue at PenFed

I had a somewhat similar problem with Penfed, which resulted in being told that by a CS agent that what you see on your screen may not be exactly what's in their records. I bought CDs from Penfed in the name of our revocable trust, but online some showed as being in my name only, some as being in ou...
by littlebird
Sun Sep 24, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: "Fidelity and Vanguard Online Fraud Policies"
Replies: 11
Views: 2162

Re: "Fidelity and Vanguard Online Fraud Policies"

I would check the actual terms and conditions on Vanguard's site, not some stupid consumer reports article. +1 Checking VG's online fraud policy I can see no mention of "two factor authentication" being required. Perhaps it was in the past? When Vanguard first went online, they required the user to...
by littlebird
Fri Sep 22, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid promissory note & senior citizen hell
Replies: 24
Views: 1928

Re: Medicaid promissory note & senior citizen hell

I'm not so sure about this "joint representation". It seems that some of the parties (perhaps all?) have separate and possibly competing interests. RM I completely agree but unfortunately, we are too far into this and I feel I have to make do with what I have. We are already looking at $16k in lega...
by littlebird
Fri Sep 22, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: long term care
Replies: 5
Views: 621

Re: long term care

Are you asking about long term care insurance? If so, use the search function for several threads on the topic.
by littlebird
Fri Sep 22, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze or fraud alert?
Replies: 18
Views: 1215

Re: Credit freeze or fraud alert?

Freeze: My livestock is in the barn and I've locked and alarmed all the doors. No one is getting out. But every time I want to show my livestock to a potential buyer, I have to call the alarm company with a special number, that I'm afraid I might mis-place, to unlock the barn, then call to lock it ...
by littlebird
Thu Sep 21, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid promissory note & senior citizen hell
Replies: 24
Views: 1928

Re: Medicaid promissory note & senior citizen hell

With an already contentious family situation, I really would not get involved with trying to shield some part (depending on how long he lives) of $10K from Medicaid. As far as I know, as the "community spouse", your father's assets of $75K are protected in all states from his wife's care. The averag...
by littlebird
Mon Sep 18, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29023

Re: Wow, Vanguard Flagship service is bad. Really bad.

My experience with Vanguard . . . has been that if you have little or no interaction with customer service, it's a great place, but involving customer service can quickly become troublesome, unfortunately, because their funds are great. Would that it were true. I had two terrible and scary experien...
by littlebird
Mon Sep 18, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Ccleaner (32-bit) had malware payload with legit signed version
Replies: 27
Views: 2555

Re: Ccleaner (32-bit) had malware payload with legit signed version

Weary of constant pop-ups reminding me to use it and with very little "C" to clean out lately, I removed "CCleaner" from my PC this week after using it for many years, since the days when it unabashedly used its full name. So I have no idea what version I had. Here's a handy hint: If you’re comfort...
by littlebird
Mon Sep 18, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Ccleaner (32-bit) had malware payload with legit signed version
Replies: 27
Views: 2555

Re: Ccleaner (32-bit) had malware payload with legit signed version

Weary of constant pop-ups reminding me to use it and with very little "C" to clean out lately, I removed "CCleaner" from my PC this week after using it for many years, since the days when it unabashedly used its full name. So I have no idea what version I had. I will however postpone what I had pla...
by littlebird
Mon Sep 18, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Ccleaner (32-bit) had malware payload with legit signed version
Replies: 27
Views: 2555

Re: Ccleaner (32-bit) had malware payload with legit signed version

Weary of constant pop-ups reminding me to use it and with very little "C" to clean out lately, I removed "CCleaner" from my PC this week after using it for many years, since the days when it unabashedly used its full name. So I have no idea what version I had. I will however postpone what I had plan...
by littlebird
Sun Sep 17, 2017 11:11 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend this month."
Replies: 17
Views: 3400

Re: "Find out if your fund is declaring a quarterly dividend this month."

krick wrote:
Sun Sep 17, 2017 10:28 pm
I wish there was some easy-to-find link to latest version of this page on the Vanguard site every quarter.
From the home page, "News & Perspectives", then "News & Views". Usually appears about the 11th of end of quarter month.
by littlebird
Sun Sep 17, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7086

Re: Physiological effects of Early Retirement in peak earning years.

When I retired at 46 from a low-stress (somewhat boring) professional career, it was for two main reasons: I wanted my spouse, who was considerably older, not to have a "solo" retirement, as my father did in similar circumstances, and I badly wanted to leave the cold northeast for the warm west, and...
by littlebird
Sat Sep 16, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 6986

Re: Distressing news -> Flight to Safety ?

I have lately been aggressively harvesting equity gains, keeping my equities to the dollar amount (not the percentage) that I feel comfortable with and transferring the gains to my short- and intermediate-term bond funds. This is partly due to my view of the current situation - short term pessimism ...
by littlebird
Fri Sep 15, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2303

Re: Questions about home purchase in a 55+ community?

We are still considering other communities but having a new house built to our wishes appeals to us...not to mention possibly younger residents. One of the "complaints" I have read about established 55+ communities is the almost daily presence of ambulances, presumably due to older residents. This ...
by littlebird
Fri Sep 15, 2017 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2303

Re: Questions about home purchase in a 55+ community?

We are still considering other communities but having a new house built to our wishes appeals to us...not to mention possibly younger residents. One of the "complaints" I have read about established 55+ communities is the almost daily presence of ambulances, presumably due to older residents. This ...
by littlebird
Thu Sep 14, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2303

Re: Questions about home purchase in a 55+ community?

I know this isn't the answer you're looking for, but faced with the same issues, though on a much reduced financial scale, we opted for an established, but extremely well maintained community. Vastly better value. Have been here 24 years with not a moment of regret. Edited to add: HOA fee now $404/y...
by littlebird
Tue Sep 12, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10679

Re: The 10 year car ownership "rule"

I've found it also depends on my personal situation. When we were 2 drivers with 2 cars and could spell each other when repairs needed to be made, we could keep cars longer. Now that I'm the only driver and have only one car, I want it to be absolutely reliable. Do you drive children? Do you work la...
by littlebird
Tue Sep 12, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2894

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

As a member of your parents' generation, although possibly a decade younger, I've been giving this issue a lot of thought in the past few days, One of my main financial goals for the past few years has been simplifying my financial life, in anticipation of diminishing cognitive abilities and the ult...
by littlebird
Mon Sep 11, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3725

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Aside from the standard I'D protection, arrange withholding/estimated taxes so you get a minimal refund. You could file early before you get all of your documents and then file an amended return, but I don't know if it would be worth the hassle. From what I understand the fraud is not sniping your ...
by littlebird
Mon Sep 11, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 2861

Re: "Luxury" Vinyl vs Laminate flooring?

If you have the mindset to avoid the current trend toward "up-scaling" to high maintenance home furnishing, I would go with high quality vinyl. A home that I visit has it (to accommodate elders, rather than little ones) and it's beautiful. Everyone who walks in for the first time comments on it, and...
by littlebird
Sun Sep 10, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Discover(card) Now Offers Free Social Security Number Alerts
Replies: 16
Views: 1752

Re: Discover(card) Now Offers Free Social Security Number Alerts

Discover has always been very vigilant against fraud. I have had a Discover card for 30 years and occasionally a deposit account. They were very pro active against fraud even back when I first started doing business with them and no one else seemed worried about it. I disagree with the interpretati...
by littlebird
Fri Sep 08, 2017 8:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: IRMA coming to South Beach in Miami
Replies: 18
Views: 1819

Re: IRMA coming to South Beach in Miami

The Wizard wrote:
Fri Sep 08, 2017 1:59 pm

Don't be silly.
Those newer high-rises are rather sturdy, so with good shutters, you could shelter in place ok, I would think, if you could deal with the loss of power for a few days...
The higher up you are, the higher the wind speed. And the worse it feels.
by littlebird
Fri Sep 08, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47100

Re: Equifax customer information leak

Uncle Pennybags wrote:
Fri Sep 08, 2017 4:10 pm
. The entire country was hacked and nobody goes to jail.
Is this meant as a prediction? Or a comment on the current state of affairs, 24 hours in.
by littlebird
Fri Sep 08, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47100

Re: Equifax customer information leak

As for what else to do, given the scope of the breach, I would guess that the recent years' tax return frauds will only escalate. Maybe try and file your taxes as quickly as possible? Maybe the IRS will come up with a new verification method for filing taxes? Well one thing I'm doing this year, whi...
by littlebird
Thu Sep 07, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: NYT > Under ‘Observation,’ Some Hospital Patients Face Big Bills
Replies: 23
Views: 2735

Re: NYT > Under ‘Observation,’ Some Hospital Patients Face Big Bills

I read this article, or one just like it several years ago. Since then, my spouse has bee held in our hospital "under observation" 3 times. Once, he was admitted; the other 2 times released without being admitted. Each time, I questioned the admitting clerk about the effects of this "under observati...