Search found 1243 matches

by littlebird
Sat Nov 18, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9616

Re: Retirees: I got this!!

I was comfortable right from the beginning, although I was young enough (46) to go back to work if it turned out to be necessary, which it was not. This was 30 years ago, before the internet, and my decision as to feasibility was based on my own estimate of return on assets and a "back of the envelo...
by littlebird
Sat Nov 18, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6749

Re: Swedish Death Cleaning [De-clutter your home]

My mother, who never owned much anyway, pared down her possessions when she was in her 70's and now that I'm there also, I'm doing the same, although I never had much clutter either. I find it easy because one of the happiest times of my life was when, newly retired, we traveled around the west in a...
by littlebird
Mon Nov 06, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Anyone understand Permanent Press washing machine cycle?
Replies: 7
Views: 794

Re: Anyone understand Permanent Press washing machine cycle?

"Permanent press" is just an older term for what you call "wrinkle free". In order for the clothes to remain permanently pressed or wrinkle free, they should not be washed in hot water, should be rinsed in cool water, not be agitated too long or too fast and removed from the washer promptly. The per...
by littlebird
Thu Oct 26, 2017 1:37 am
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 9993

Re: Emotional impact of spending down assets?

I think I am steeled to seeing our net worth decline. I feel sure I can tolerate it. We are in the exact situation where we should expect our net worth to decline. It's what we planned on. Yet our net worth stubbornly refuses to decline! :D My spouse is in his very early 90's, in assisted living, wh...
by littlebird
Mon Oct 23, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Renting A Winter Escape For A Month
Replies: 26
Views: 2465

Re: Renting A Winter Escape For A Month

When I didn't have a returning tenant, I would list my seasonal rental on Craig's List. It's getting late in the season, however, if you're looking for February or March in AZ. January may still be widely available. Mid-January is not a bad time in AZ. You have to look not only at the snowbird popu...
by littlebird
Mon Oct 23, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Renting A Winter Escape For A Month
Replies: 26
Views: 2465

Re: Renting A Winter Escape For A Month

When I didn't have a returning tenant, I would list my seasonal rental on Craig's List. It's getting late in the season, however, if you're looking for February or March in AZ. January may still be widely available.
by littlebird
Mon Oct 23, 2017 12:54 am
Forum: Personal Finance (Not Investing)
Topic: On selling home to a child
Replies: 25
Views: 1807

Re: On selling home to a child

Example of "family friction": My late father offered to refinance my brother and sister-in-law's mortgage at a favorable interest rate. They took him up on the offer and my father-in-law wanted and got a lien recorded for this mortgage. It turned out that my sister-in-law was "insulted" or "hurt" b...
by littlebird
Fri Oct 20, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Turn fridge off when gone or leave it running?
Replies: 40
Views: 50373

Re: Turn fridge off when gone or leave it running?

For a family getaway cabin (used one or two weekends a month) - Turn the frigde temp control all the way to off Unscrew the lightbulb Shove a towel in fridge and freezer doors to keep them propped open. An empty live socket would bother me. A quick check doesn't turn up medium socket base safety ca...
by littlebird
Wed Oct 18, 2017 1:26 am
Forum: Personal Consumer Issues
Topic: Recommendations on quartz countertops
Replies: 9
Views: 1003

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: 105
Views: 10109

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: 105
Views: 10109

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: 13548

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: 13548

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: 399

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: 106
Views: 19655

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: 106
Views: 19655

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: 52
Views: 4146

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: 1583

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: 5800

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: 106
Views: 19655

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: 372
Views: 49560

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: 372
Views: 49560

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: 1970

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: 476

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: 1108

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: 9569

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: 9569

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: 1055

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: 2411

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: 518

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: 4682

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: 1180

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: 2246

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: 2028

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: 676

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: 1318

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: 2028

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: 29379

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: 2653

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: 2653

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: 2653

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: 3539

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: 7279

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: 7210

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: 2412

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: 2412

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: 2412

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: 11016

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...