Search found 1457 matches

by littlebird
Wed Jul 17, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7542

Re: No A/C in Office [not a safe work environment]

I don't know. In Phoenix there are city and state workers and contractors repairing roads and building a freeway. Utility workers maintaining and repairing power lines, HVAC technicians on roofs repairing A/C equipment. All of them in the direct sun when it is 115F I don’t know about city and state...
by littlebird
Mon Jul 15, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2343

Re: Baking in the summertime?

I do not find that my Breville toaster oven - it’s the smaller model, I don’t remember what it’s called - does a good job with pastry baking, ( specifically muffins/cupcakes and brownies ) although it’s useful for many other jobs. I
by littlebird
Thu Jul 11, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: A good name for a donor advised fund
Replies: 25
Views: 1365

Re: A good name for a donor advised fund

My late spouse and I chose a name with sentimental meaning to us. And now that he’s gone, it feels like a memorial fund in his memory.
by littlebird
Thu Jul 04, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 10579

Re: Preparing my wife for financial life without me.

Interesting. Let me give you a report from the trenches. Having recently lost my husband - fortunately I had always handled all the finances - I joined a grief support group in my generally high net worth senior community. To a woman, every widow but me complained that her husband had deceived her t...
by littlebird
Tue Jul 02, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Keep garage 'cooler' during summer
Replies: 31
Views: 3419

Re: Keep garage 'cooler' during summer

When you arrive home on a hot day, park the car on the driveway for several hours until the car cools off. Parking a car with a hot engine in an already hot garage will only make the heat worse. This is a good idea that I’m going to try. I believe an uninsulated door is better in hot places, to all...
by littlebird
Mon Jul 01, 2019 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice, home health aide, taxes questions
Replies: 24
Views: 1492

Re: Hospice, home health aide, taxes questions

Just curious. What is the extent of Medicare coverage for hospice care? Hospice supplies a visiting nurse as needed, an aide for bathing 2-3 times a week, all meds, tests, and supplies needed for the patients terminal condition. A doctor’s consult when needed. Durable things like a hospital bed, an...
by littlebird
Mon Jul 01, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice, home health aide, taxes questions
Replies: 24
Views: 1492

Re: Hospice, home health aide, taxes questions

Just curious. What is the extent of Medicare coverage for hospice care? Hospice supplies a visiting nurse as needed, an aide for bathing 2-3 times a week, all meds, tests, and supplies needed for the patients terminal condition. A doctor’s consult when needed. Durable things like a hospital bed, an...
by littlebird
Mon Jul 01, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Intentional Divorce to avoid Marriage Penalties in tax code?
Replies: 54
Views: 4868

Re: Intentional Divorce to avoid Marriage Penalties in tax code?

In the old days it was recommended to fly to the Dominican Republic the week after Christmas, get divorced before 12/31, then get married again in January. The couple saved enough money to pay for the vacation and then some more. Until the IRS caught on and disregarded everything after the first ac...
by littlebird
Mon Jul 01, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 7759

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

[quote="informal guide" post_id=4619023 time=1561986088 user_id= The annuitized contracts are a very small portion of variable annuity population. Once a contract is annuitized (an irrevocable election to convert the contract into a payment stream), servicing is quite simple - -handling address chan...
by littlebird
Mon Jul 01, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 7759

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

informal guide wrote:
Sun Jun 30, 2019 12:42 pm
I would be surprised if Vanguard would turn over servicing to Transamerica if they knew that TCS was actually doing the servicing.
This hand over to tcse is for *annuitized* VVA’s
by littlebird
Mon Jul 01, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 7926

Re: Would we regret buying a 2nd home?

We bought a modest condo in a scenic tourist area 90 minutes from our restaurant-poor, but otherwise perfect senior community. We kept it for about 4 years, enjoyably eating out daily while we there until unanticipated health issues made it no longer viable. We were lucky enough to sell it for a lar...
by littlebird
Mon Jul 01, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice, home health aide, taxes questions
Replies: 24
Views: 1492

Re: Hospice, home health aide, taxes questions

I think your suggestion is sound, and unless there’s a direct hire person already known to the family or to a close trusted friend of the family, I would go with agency personnel. Ask around about agencies; they vary widely. I was paying $23/hour with a minimum of 3 hours per shift for agency help t...
by littlebird
Mon Jul 01, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance excessive price increase -upset!
Replies: 160
Views: 9816

Re: Long term care insurance excessive price increase -upset!

Hello All, My wife and I purchased a long term care insurance policy from Genworth ( was GE back then) about 15 years ago. We purchased a policy with lifetime coverage, 5% inflation protection, 100 day exclusion for nursing home or assisted living, 50 day exclusion for home health care for $3200/ye...
by littlebird
Sun Jun 30, 2019 12:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 7759

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

And Transamerica, which used to administer annuitized VVA’s, has handed that job off to an outfit named TCS-E. I just learned this via a letter from Transamerica.
by littlebird
Thu Jun 27, 2019 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 49
Views: 5827

Re: Aging Parents & Finances

They are worried that if my Mom goes into a nursing home, it's going to eat up all of their assets. It's a shady situation and I'm trying to be the voice of reason for everyone. In general— at the point where one spouse goes onto Medicaid, hopefully after paying the bill privately for a while to ex...
by littlebird
Wed Jun 19, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 3749

Re: How to ensure POA is acting in best interest of grantor?

Please correct me if I'm wrong, but a durable POA doesn't usually have the ability to do anything until you are declared to lack that capacity officially. O.K. You’re wrong. The type of POA you’re describing is actually call a “springing” POA. It springs -or more likely creaks- into action when cer...
by littlebird
Wed Jun 12, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3092

Re: Passport photos cheap

I just paid ~ $12 at my local Walgreen’s for the same thing.
by littlebird
Mon Jun 10, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 3833

Re: Late Life/End of Life Expenses

I just read a post elsewhere arguing against the 4% rule for withdrawals for one reason. The person is a physician who treats many high net worth individuals who end up going into nursing homes and burning through their assets until they finally qualify for Medicaid. I think he's arguing for spendi...
by littlebird
Sun Jun 02, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Whaddyagunna do? 7 months and still no safety deposit box inventory!
Replies: 6
Views: 1937

Re: Whaddyagunna do? 7 months and still no safety deposit box inventory!

Can't speak to the law in NJ. In PA my parents had a joint safe deposit box. Mom was advised by the branch manager to close the safe deposit box after Dad died. Mom was told if she died the box would be sealed until the contents were inventoried for PA tax purposes. This makes sense. NJ law does no...
by littlebird
Sun Jun 02, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Older retirees: Are your expenses lower now than in early retirement?
Replies: 49
Views: 6384

Re: Older retirees: Are your expenses lower now than in early retirement?

31 years to date. Spouse considerably older. Early years (go-go years) of an early retirement: Spent fixing up new house in new LCOL locale, buying RV and the million accessories available to enhance it, travel in the RV. Moderate expenditures. Middle years (go-slow years): staying home, day trips o...
by littlebird
Sun Jun 02, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4183

Re: Santa Fe real estate

Any NM locals here? Santa Fe is on our list for possible retirement destinations. Looking at real estate there, it seems like theres a ton of inventory and a ton of house sitting on the market for long periods of time with no price reductions, and prices are really high. What gives? Does nobody rea...
by littlebird
Sun Jun 02, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4183

Re: Santa Fe real estate

SC Anteater wrote:
Sat Jun 01, 2019 10:30 pm
littlebird wrote:
Sat Jun 01, 2019 8:32 pm
Are you an artist or a patron of the arts?
No, why?
Having lived nearby for several years, admittedly not recently, my strong impression was that for those not deeply involved in the arts, the culture of Santa Fe is a mile wide and a millimeter deep.
by littlebird
Sat Jun 01, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4183

Re: Santa Fe real estate

Are you an artist or a patron of the arts?
by littlebird
Wed May 29, 2019 11:51 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12303

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

Approaching late 70’s. When middle-aged, and even after very early on-a-shoestring retirement, was optimistic and slept well at 80/20. Even “over-rebalanced” on the big dips. Recently, three years of $50,000/year caregiving expenses for my spouse have ended, in the usual fashion. During those expens...
by littlebird
Tue May 28, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Resurfacing concrete porch
Replies: 6
Views: 484

Re: Resurfacing concrete porch

Consider whether the epoxy coating can stand up to heavy metal outdoor furniture (if that’s what you have) being dragged across it as people reposition their seating .
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: 2916

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: 17588

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: 26
Views: 2244

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: 6094

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: 56
Views: 8759

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: 9599

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: 3270

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: 28515

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: 10299

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: 94
Views: 5863

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: 1379

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: 3241

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: 3241

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: 3007

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: 4264

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: 857
Views: 87739

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: 2984

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: 471

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: 1182

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: 6097

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: 16216

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: 2777

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: 8443

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.