Search found 1363 matches

by littlebird
Thu Jul 19, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 32
Views: 2343

Re: How Unclaimed Property Laws Can Affect Retirees

Just got 2 notices from custodian of long-retired spouse’s traditional and Roth IRAs (BMO Harris, my neighborhood b&m bank) that “ due to lapse of contact” with him, they are required to turn over his accounts to the state of AZ. The IRAs are 3 years into 5 year terms, with the RMDs from the traditi...
by littlebird
Sun Jul 01, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to document a verbal conversation for future legal reasons.
Replies: 21
Views: 2959

Re: How to document a verbal conversation for future legal reasons.

DIFAR31 wrote:
Sun Jul 01, 2018 2:00 pm
littlebird wrote:
Sun Jul 01, 2018 9:38 am
Most communication is verbal, that is, consisting of words. The correct term for non-written communication is “oral”.
So American Sign Language is oral communication?
I would say-digital
by littlebird
Sun Jul 01, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How to document a verbal conversation for future legal reasons.
Replies: 21
Views: 2959

Re: How to document a verbal conversation for future legal reasons.

Most communication is verbal, that is, consisting of words. The correct term for non-written communication is “oral”.
by littlebird
Wed Jun 27, 2018 11:40 pm
Forum: Investing - Theory, News & General
Topic: Time to buy.
Replies: 10
Views: 2372

Re: Time to buy.

The only things I'm buying are CDs and MM funds. And I bought stocks in '87, '01, and '08. This time it really DOES feel different to me. And -- I have much less time in which to recover. Would you please elaborate more on why "this time it really DOES feel different"? Thanks in advance. Forum rule...
by littlebird
Wed Jun 27, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Time to buy.
Replies: 10
Views: 2372

Re: Time to buy.

The only things I'm buying are CDs and MM funds. And I bought stocks in '87, '01, and '08. This time it really DOES feel different to me. And -- I have much less time in which to recover.
by littlebird
Wed Jun 27, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16498

Re: IRS publishes draft 2018 1040 - Huge changes made

We should all wait until April to file for the developers to work out the bugs. But we're told that we need to file early so the identity thieves don't beat us to the punch. Arrange to owe and then you don't need to worry about someone else filing in your name. Identity thieves just put down that y...
by littlebird
Wed Jun 13, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 5816

Re: long term care insurance

Quick question: if/when you ever need long-term care, will all of your other living expenses magically disappear? It depends on what kind of care you need, can afford, and are willing to put up with. When my spouse was in an assisted living group home — with excellent care — costing $48,000/year, a...
by littlebird
Wed Jun 13, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 5816

Re: long term care insurance

Quick question: if/when you ever need long-term care, will all of your other living expenses magically disappear? It depends on what kind of care you need, can afford, and are willing to put up with. When my spouse was in an assisted living group home — with excellent care — costing $48,000/year, a...
by littlebird
Wed Jun 13, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 5816

Re: long term care insurance

Quick question: if/when you ever need long-term care, will all of your other living expenses magically disappear? It depends on what kind of care you need, can afford, and are willing to put up with. When my spouse was in an assisted living group home — with excellent care — costing $48,000/year, a...
by littlebird
Sun May 20, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Pay TV scams?
Replies: 3
Views: 752

Re: Pay TV scams?

Would OTA (over the air) TV work for you? Go to tvfool.com, enter your zipcode (optional: street address and antenna height), and see what stations are available to you. Disclosure. Being in a metropolitan area, rabbit ears get ~50 channels (all varieties). A rooftop antenna with rotor would get a ...
by littlebird
Sun May 20, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Pay TV scams?
Replies: 3
Views: 752

Pay TV scams?

We never had any form of pay TV. My elderly spouse was in an assisted living home for two years and is completely bed-bound and unable to use his hands. He spent all his waking time with the TV on, watching, or dozing through, Cable News. I recently brought him home, with the assistance of Hospice, ...
by littlebird
Wed May 16, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 4212

Re: Vanguard Junk Bond fund

whodidntante wrote:
Tue May 15, 2018 10:13 pm
We Bogleheads prefer to lose our money in Vanguard Total Bond Market.w
Too true.
by littlebird
Thu May 10, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 4240

Re: Amazon package that can't be traced

Same thing happened to me several years ago, with similar results: Amazon couldn't trace the "gift", which I'm sure was not sent to me by anyone I know. In my case the item was a perfect fit, albeit not something I would ever have selected, but every time I wear it, without fail, I get complimented ...
by littlebird
Mon May 07, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Means of Titling/Re-Titling [checking acct into] my RLT?
Replies: 20
Views: 1211

Re: Means of Titling/Re-Titling [checking acct into] my RLT?

One simple workaround is to utilize a payable on death designation naming the trust as the payee. At death, the checking account is automatically transferred to the trust. This doesn't have any utility for what I consider the must important function of a trust: having a fully credentialed individua...
by littlebird
Sat Apr 21, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 34
Views: 2147

Re: Medical alert "button"

If your parents have a landline, I wear, and recommend, a Logic Mark alert purchased from the company directly and not through an Amazon vendor. They are a small extension phone and have no monthly fee, but are not unobtrusive. Another possibility now available is the Amazon Echo or Dot, possibly se...
by littlebird
Tue Apr 17, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3550

Re: Medicare Questions

The is a possibility that the anesthesiologist does not accept Medicare assignment. I think you may have some right under Medicare even if the provider does not accept Medicare. Accepting (or not) Medicare Assignment is not the same thing as accepting (or not) Medicare. Medicare Assignment means ac...
by littlebird
Mon Apr 09, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 4021

Re: Active Adult Retirement Communities

My parents have lived in Sun City Grand for about 15 years and I have visited many times. It is top notch and they are very happy there. If you understand the culture and community and want that lifestyle it is great. You have have to like the life style though. My wife doesn’t like it all. It kind...
by littlebird
Mon Apr 09, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 9172

Re: Regrets of the frugal and dying?

I visit my WWII vet ( to give you an idea of his age) spouse in his care home every day. He has never expressed regret over anything. Often we talk about a wonderful or amazing experience we have shared, usually during our so-far 30 year retirement.
by littlebird
Mon Apr 09, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 4021

Re: Active Adult Retirement Communities

We have lived in Phoenix for 35 years. It is seven months of incredible weather and five That you have to get used to. Yesterday was 96, much too early for that. That being said we don't have weather issues (tornados, etc), but as a previous poster said we do have a rainy season. We are retired so ...
by littlebird
Thu Apr 05, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: NY passes law to get around SALT limit
Replies: 47
Views: 6091

Re: NY passes law to get around SALT limit

AZ has had tax credits for 501(c)3's that support private school "scholarships", and for direct contributions to public schools for certain activities for a number of years.

https://www.azdor.gov/TaxCredits/School ... duals.aspx
by littlebird
Sat Mar 31, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: [Moving out of CA. What city has decent weather?]
Replies: 46
Views: 6536

Re: [Moving out of CA. What city has decent weather?]

What I tell retirees is to move to a place where their kids will visit them. :beer Yes. At this very moment, my son and DIL are sipping their morning coffee on the back patio, enjoying the mountains and the warm Arizona morning air. Yesterday, my son enjoyed an afternoon of golf on a lush 18 hole c...
by littlebird
Wed Mar 28, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 3185

Re: New 2019 RAV4 is now out - looks good

We have a '15 RAV4 and a '17 Sienna and they both have the overhanging plastic piece over the rear window (as does the '19 RAV4) that prevents one from cleaning the entire rear window with a squeegee. I have never understood the reasoning for that overhang, especially on gravel roads when it essent...
by littlebird
Wed Mar 28, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 3185

Re: New 2019 RAV4 is now out - looks good

The article cited says that: "The outgoing 2.5-iiter inline-four has been replaced with Toyota’s all-new Dynamic Force 2.5-liter I-4 with direct and port injection and VVT-iE. In the Camry the engine generates 203 hp and 184 lb-ft of torque, so expect similar numbers here. The six-speed automatic is...
by littlebird
Wed Mar 28, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8769

Re: How old were you when you started spending your “principal”?

30 years in, with spouse in assisted living for two years, having retired early and very early respectively, with very modest incomes and assets, and it hasn't happened yet. Of course, we were very lucky in our timing. Edited to add: I've read your definition of "X" again, and I have to add that no...
by littlebird
Sun Mar 25, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage and nursing home expenses
Replies: 15
Views: 1136

Re: Reverse Mortgage and nursing home expenses

With all due respect, I think the issue you and your mom should be addressing in the very near future is not how to hide money from the government - not the nursing home; they get paid anyway - but finding her a place to live that she can afford and that is accessible to her with her mobility issues...
by littlebird
Sun Mar 25, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12952

Re: Seasoned bogleheads repressing the thought of lower expected returns

First, returns have been fine ever since they were forecast to be poor. Second, having managed perfectly well for 30 years of retirement, spouse and I are 30 years closer to never needing money at all, and can therefore start actually spending down principal if need be.
by littlebird
Sun Mar 25, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8769

Re: How old were you when you started spending your “principal”?

30 years in, with spouse in assisted living for two years, having retired early and very early respectively, with very modest incomes and assets, and it hasn't happened yet. Of course, we were very lucky in our timing. Edited to add: I've read your definition of "X" again, and I have to add that not...
by littlebird
Sun Mar 25, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETF suggestions
Replies: 5
Views: 554

Re: Bond ETF suggestions

BTW, yield means nothing whether in retirement/withdrawal or working/accumulation, so don't fall into going for yield such as your idea about VNQ. Go for Total Return. Respectfully, I don't agree with this when it comes to bond funds. I think over the long term most of the return from bond funds co...
by littlebird
Sun Mar 25, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Estates of People Leaving POD Accounts and Trusts
Replies: 12
Views: 1405

Re: Estates of People Leaving POD Accounts and Trusts

Just to add - although Probate is a much disparaged institution since someone wrote a popular book about how to avoid it, many decades ago, it arose for good social reasons. One of the issues it addresses is finality. When the state-mandated procedures are followed - giving creditors notice - and th...
by littlebird
Fri Mar 23, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 12005

Re: Underrated places to visit in U.S.?

I nominate the Black Hills of South Dakota as the most underrated place in the U.S. It's gorgeous and interesting.
by littlebird
Fri Mar 23, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for moving to NYC
Replies: 57
Views: 5126

Re: Tips for moving to NYC

Flushing/Bayside: this is basically suburbs and not accessible via subway so would not consider unless you have a vehicle, otherwise it is very family friendly with mix of houses and rental apts Flushing has the No.7 train, which wends its way westward through Queens neighborhoods, before reaching ...
by littlebird
Fri Mar 23, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for moving to NYC
Replies: 57
Views: 5126

Re: Tips for moving to NYC

Find your Queens project on a subway map. Look for housing near the same subway line that your project is near. You may have a bus ride on one or both ends of your subway ride; Queens is a very big borough. On the plus side, there's plenty of "vintage" housing. :)
by littlebird
Thu Mar 22, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11551

Re: Terminal illness with small kids

Taking one of the suggestions above, the extended family decided to fund a trip: Florida in April. The cousin (w/cancer) and her husband were very pleased. They are checking with her doctor before booking. Another family is going to go down too at the same time. They'll stay at a different hotel. T...
by littlebird
Mon Mar 19, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car buying strategies with new safety technologies
Replies: 71
Views: 5175

Re: Bogleheads car buying strategies with new safety technologies

I gave up lane change monitoring, which I loved, when I traded in my '14 top of the line Sienna in 2016 in order to downsize. I was surprised that this feature wasn't available in either top of the line RAV4's or Camry's at the time. It was available in other brands, but I opted to stick with Toyota...
by littlebird
Mon Mar 19, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Real Estate Owner... Now What?
Replies: 15
Views: 2038

Re: Accidental Real Estate Owner... Now What?

Just an idea, but does the deed list her as 1/3 co-owner or any other percentage? If not, why can't she be a 1% owner and each parent a 49.5% owner? Because if no % interest is stated there is generally a presumption that all owners are equal. This presumption can generally be rebutted - by evidenc...
by littlebird
Mon Mar 19, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement will cost the average American $828,000
Replies: 36
Views: 6115

Re: Retirement will cost the average American $828,000

I have a personal statistic that some might find interesting. With my spouse in assisted living, I've been able to easily disentangle his spending from my household and personal spending. We file as MFJ, of course. Major caveats: I don't travel any more, and because of health issues, I don't eat out...
by littlebird
Sun Mar 18, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What address do people put if they live in their car?
Replies: 37
Views: 5296

Re: What address do people put if they live in their car?

We want our own address now so, we're trying to figure out how to keep a small low cost footprint in the U.S. Without getting bogged down again. Any suggestions? We're partial to New Mexico which has low taxes. Double check this. When I lived there, admittedly many years ago, they had something cal...
by littlebird
Fri Mar 16, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: New job transition and pregnant - when to inform employer?
Replies: 30
Views: 2692

Re: New job transition and pregnant - when to inform employer?

We've had a lot of good news this week. On Wednesday morning, DW got a job offer that we were praying and hoping for. When they asked her what she was expecting in terms of salary, she didn't want to risk losing the offer, so she asked for what we thought was the market rate. When the offer came th...
by littlebird
Thu Mar 15, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: What address do people put if they live in their car?
Replies: 37
Views: 5296

Re: What address do people put if they live in their car?

We want our own address now so, we're trying to figure out how to keep a small low cost footprint in the U.S. Without getting bogged down again. Any suggestions? We're partial to New Mexico which has low taxes. Double check this. When I lived there, admittedly many years ago, they had something cal...
by littlebird
Thu Mar 15, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: What address do people put if they live in their car?
Replies: 37
Views: 5296

Re: What address do people put if they live in their car?

In all honesty why do you even need a mailbox? Everything that I can think of can be set up electronically (emailed.) If you dont own a house and just travel around and live in your car...I cant think of a need to have a physical mailbox. In my experience banks, Vanguard and the Internal Revenue Se...
by littlebird
Thu Mar 15, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Shampoo for silver/grey hair
Replies: 17
Views: 2599

Re: Shampoo for silver/grey hair

Christine_NM wrote:
Thu Mar 15, 2018 11:50 am
Has anyone tried purple shampoo? The idea is that it cancels out the yellow pigment of creme-type shampoos and other hair products by adding blue pigment. Is this the infamous blue rinse?
Yep.
by littlebird
Thu Mar 08, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: How Amazon Can Blow Up Asset Management
Replies: 31
Views: 5692

Re: How Amazon Can Blow Up Asset Management

Amazon is trying to get into too many areas. I buy as little as possible from them. Amazon as a fund provider? Not for me. Yeah, you're right. They're just an on-line bookstore. If they try and go beyond that, they certainly will fail. Oh... wait.... :D Yeppers. And those low cost Kindle books have...
by littlebird
Thu Mar 08, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Amazon Echo as security device
Replies: 11
Views: 1480

Re: Amazon Echo as security device

seychellois_lib wrote:
Wed Mar 07, 2018 10:02 pm

I tried the radio thing with the Echo but it turns off at some point, not sure how long it stays on but only a couple of hours i reckon.
My echo dot plays an iheart radio station for 9 hours every night before I finally turn it off,
by littlebird
Tue Mar 06, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: In general, when can future income be taken in lawsuit?
Replies: 4
Views: 845

Re: In general, when can future income be taken in lawsuit?

In general -- when there's a judgment against someone. The judgment is good for some length of time, depending on state law. Sometimes it can be extended for an additional length of time.
by littlebird
Tue Mar 06, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Whole House Natural Gas Generator
Replies: 110
Views: 7148

Re: Whole House Natural Gas Generator

<Snip...>And we rarely get power failures since our underground power lines were replaced several years ago. Folks often cite underground supply lines as taking care of things, but they really don't. Unless you have underground utilities from the source (e.g. the electric sub-station), you can stil...
by littlebird
Tue Mar 06, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: Whole House Natural Gas Generator
Replies: 110
Views: 7148

Re: Whole House Natural Gas Generator

I don't think it increases the value of a home, because most people aren't interested in it, but if I had natural gas in my area, a generator like that would be the one luxury I'd be happy to spend 10K on. More appealing to me than s.s. appliances, granite countertops and high ceilings. And we rarel...
by littlebird
Tue Mar 06, 2018 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 6332

Re: Donations to your enrolled public school

Not always or in every place. I can assure you that when I attended NYC public schools in the 1940's and 50's, there was no such thing as fundraising. All our simple needswere fully funded by the taxpayer, and our parents would have been shocked to have been asked for donations for public schools. ...
by littlebird
Mon Mar 05, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 6332

Re: Donations to your enrolled public school

Certainly the fundraiser thing has always been around. I remember I would get boxes of chocolate bars to sell . . . Not always or in every place. I can assure you that when I attended NYC public schools in the 1940's and 50's, there was no such thing as fundraising. All our simple needswere fully f...
by littlebird
Mon Mar 05, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pickleball versus Tennis
Replies: 27
Views: 2783

Re: Pickleball versus Tennis

In my mega senior community, with 3 large tennis facilities, courts were empty much of the day. A conversion to pickleball has caused the courts to be in use all day and well into the evening. Apparently this is a game that can be enjoyed well into senior-hood.
by littlebird
Mon Mar 05, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Converting old home to open plan layout?
Replies: 45
Views: 4209

Re: Converting old home to open plan layout?

Be conservative on the open kitchen. It is much less popular today than it was a decade ago. Separate dining rooms are also being utilized more. Open floor plans photograph well.. think HGTV, but they don't rank as high when it comes to usability - especially if you have kids. It's not only kids. I...