Search found 1407 matches

by littlebird
Fri Jan 11, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 229
Views: 38252

Re: What to do when a parent's money runs out?

One thing I will say is that I look at it that $1200/mo SS plus $1000 from you on top -- that is what I estimate as the bare minimum a person could survive on. (I'm talking without any other monthly bills due to debt.) That's $26,400 a year. I doubt there are folks on this forum that are able to li...
by littlebird
Sat Jan 05, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Phone concierge service for seniors?
Replies: 17
Views: 1590

Re: Phone concierge service for seniors?

There are still old-style phone answering services where a human being answers the phone and follows the customer’s directions as to which calls are to be forwarded, which are not, and how to handle them.
by littlebird
Tue Jan 01, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2270
Views: 398055

Re: What are you up YTD? [Year To Date]

Down 1.42% with 12% stock allocation. This is the 3rd year of 40-50K expenses for spouse’s long-term care (at home with 6 hours/day of home health aides most recently.) The higher end of that range is more than our pension and SS totals. This year I will be able to reduce that expense to ~$36,000 wi...
by littlebird
Fri Dec 28, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

None whatsoever. I live fairly modestly, no longer traveling or eating out, but convenience, along with comfort, safety, and secutity, is something I don’t skimp on.
by littlebird
Fri Dec 28, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13519

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

"these circumstances"?? What are "These circumstances". Sounds like maybe Mr. Bogle has been watching too much CNN :) Or maybe he’s watching just enough to hone his judgment. Personally, in the same time of life as Mr. Bogle, I didn’t “over re-balance” into stocks this time, something I’ve done at ...
by littlebird
Tue Dec 25, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 407
Views: 58143

Re: What NON frugal thing did you do today?

Paid time and a half holiday rate for my spouse’s morning aide to do her usual shift and gave her a fairly generous holiday bonus in addition. At our stage of life, there isn’t a whole lot of things to be unfrugal with, but competent, caring help is certainly up there.
by littlebird
Sat Dec 22, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 84
Views: 9840

Re: Have you moved to ETF's? Why or why not?

I now hold my remaining V. mutual fund shares at Schwab, where I’m required to place orders for V. funds no later than 1 hour before market close for same day execution. This cuts down even more on my knowledge of the price I’ll be getting or paying. So in the new tax year I’ll be selling, and buyin...
by littlebird
Wed Dec 19, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 55
Views: 10871

Re: My son was scammed on Craigslist- how to get money back

Look on the bright side, he could have wired $400k https://www.nbcbayarea.com/news/local/Experts-Virtually-All-CA-Real-Estate-Transactions-Targeted-By-Hackers-487165181.html Ten years of sacrifice and dreams of home ownership gone in a flash. We make all of our clients sign a Wire Fraud warning she...
by littlebird
Wed Dec 19, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 121
Views: 13585

Re: Spam calls to cell phone...

Make sure you are on the National Do Not Call Registry. When you get a spam call, use a phone app to block the number and immediately report the call to the DNC Registry. As far as I can tell Do Not Call accomplishes nothing. If anyone has information to the contrary, I would like to hear it. In my...
by littlebird
Sat Dec 15, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Has anyone used Heal? [Doctor housecall app]
Replies: 14
Views: 1136

Re: Has anyone used Heal? [Doctor housecall app]

We have used a housecall medical practice. They send PAs or NPs, not physicians. Physician “supervises” from afar. They charge about $175/visit, Medicare negotiated. We were reasonably satisfied, given that spouse could not travel, and we had no other option.
by littlebird
Sat Dec 15, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19490

Re: Favorite Purchase of 2018?

What I appreciate every day is my terrycloth toilet seat cover (I’m a female). Winter mornings in AZ can feel very cold to natives and long-time residents.
by littlebird
Wed Dec 12, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5741

Re: Lyft driver got into an accident, but denies it

If the police don’t show up, you should go to the nearest station to the accident scene, if possible, and if not possible, the nearest to your location and file a report. You should do this within a few days.
by littlebird
Wed Dec 12, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 28
Views: 1772

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

These POA threads occur from time to time - and I am curious what sorts of things a POA would authorized in addition to those granted by Vanguard's "Full Authority". Or is the POA intended to be more than Limited Authority but exclude items in the Full authority list? Full authority Your grantee wi...
by littlebird
Sun Dec 09, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Contingent Durable Power of Attorney
Replies: 14
Views: 832

Re: Contingent Durable Power of Attorney

FBN2014 wrote:
Sun Dec 09, 2018 9:08 am
A successor trustee only applies to managing your trust when you are deceased
This is not correct. You can relinquish your trusteeship and turn management over to a successor trustee while you are alive.
by littlebird
Mon Dec 03, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: move SIM from one Tracfone to another Tracfone
Replies: 3
Views: 421

Re: move SIM from one Tracfone to another Tracfone

I’ve been told “yes”, but I haven’t tried it myself. Give it a try and see what happens. It’s reversible.
by littlebird
Sat Nov 24, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Helping elderly Mom with finances
Replies: 45
Views: 3548

Re: Helping elderly Mom with finances

Establishing “agent authorization”, (notice it’s not called a “power of attorney”, which has specific meanings under state laws,) is only part of the battle at Vanguard ( e.g. both principal and agent must sign within 30 days of submission to V.). The larger part of the battle comes when you actual...
by littlebird
Fri Nov 23, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Helping elderly Mom with finances
Replies: 45
Views: 3548

Re: Helping elderly Mom with finances

Having established POAs at Vanguard for my in-laws, mother, and even for my wife and I (setting up agent authorization), I'll politely disagree with ResearchMed on that point. However, besides the low cost fund, I know of no significant Vanguard advantage over Schwab, and if you are comfortable the...
by littlebird
Fri Nov 23, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: New account name-DW wants to use different name
Replies: 12
Views: 1137

Re: New account name-DW wants to use different name

no one will care. my spouse moves money from my name to theirs all the time and no one notices..... once the accounts are linked, it moves. i would close the BofA account (dislike heavily). sounds like shes getting ready to move on...../s Don’t try this with Vanguard. They wouldn’t move my spouse’s...
by littlebird
Thu Nov 15, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5367

Re: Oops! Edward Jones tops Vanguard in customer survey

I'd rather have a low cost no frills brokerage than a high cost snake oil salesman. Customer surveys are worthless. Look at where the assets are moving. No frills is OK. It’s hidden landmines that are the problem with VG. Umm. What hidden landmines? https://www.bogleheads.org/forum/viewtopic.php?f=...
by littlebird
Wed Nov 14, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5367

Re: Oops! Edward Jones tops Vanguard in customer survey

Alexa9 wrote:
Wed Nov 14, 2018 9:59 am
I'd rather have a low cost no frills brokerage than a high cost snake oil salesman. Customer surveys are worthless. Look at where the assets are moving.
No frills is OK. It’s hidden landmines that are the problem with VG.
by littlebird
Sat Nov 10, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 5016

Re: Doing taxes by hand

I used to order them or pick them up at the library, but I changed over to printing them from the IRS website several years ago. The local library no longer stocks them, but they have pcs/printers that one can use to print them off for something like a dime a page. I keep the instructions in electr...
by littlebird
Thu Nov 08, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 4738

Re: Would you still jump if you were ready, then the market dropped 50%??

We did in late ‘87. Fortunately, the buyer of our home had taken their money out of the market the day before the crash, and we had already purchased our new home for cash. The cash from the old home carried us for quite a while, and we didn’t even consider lowering our expectations for an active ea...
by littlebird
Wed Oct 24, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6174

Re: Retirees: What keeps you up at night?

Only the necessity for nocturnal bathroom visits and the difficulty of returning to sleep once awake. NOT the fact that we’re currently spending $50,000/year on my spouse’s home health aides, 3 years now of such expenses. Still managing well on our (relatively) modest income and assets. At our ages,...
by littlebird
Sun Sep 16, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8370

Re: How did you decide when to retire?

We asked ourselves if it was possible to do so.
by littlebird
Mon Sep 10, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Revocable trust
Replies: 5
Views: 535

Re: Revocable trust

My banks don’t care what names are embossed on our trust checks. They care only that there are authorized signers and those are the persons who sign the checks. You need either a new bank, or the ability to speak to someone higher up in your current bank.
by littlebird
Fri Aug 31, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?
Replies: 30
Views: 3684

Re: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?

My experience: Hospital social worker gave me a list of Medicaid-approved assisted living and nursing homes. That’s the only list they had; private-pay only facilities have to be found a different way. I started off visiting the highest rated homes within a 35 minute drive, since I wanted to be able...
by littlebird
Tue Aug 28, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: "75 Must Know Statistics About Long-Term Care: 2018 Edition"
Replies: 56
Views: 6122

Re: "75 Must Know Statistics About Long-Term Care: 2018 Edition"

If you are in a LCOL area you will almost surely end up at a facility that accepts both Medicaid and private pay -- there are simply not enough private pay people to make the numbers work otherwise. Just something to consider that spending all that money on a LTCI policy is going to likely land you...
by littlebird
Sun Aug 26, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: "75 Must Know Statistics About Long-Term Care: 2018 Edition"
Replies: 56
Views: 6122

Re: "75 Must Know Statistics About Long-Term Care: 2018 Edition"

If you are in a LCOL area you will almost surely end up at a facility that accepts both Medicaid and private pay -- there are simply not enough private pay people to make the numbers work otherwise. Just something to consider that spending all that money on a LTCI policy is going to likely land you...
by littlebird
Thu Aug 23, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: "75 Must Know Statistics About Long-Term Care: 2018 Edition"
Replies: 56
Views: 6122

Re: "75 Must Know Statistics About Long-Term Care: 2018 Edition"

For me, I would still have my pension coming in, plus I or my POA would start Social Security if not already going (assuming this is after my next birthday). Those two probably pay half of costs at a good facility currently, but it's difficult to project with certainty too far into the future as th...
by littlebird
Thu Aug 23, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Alexa for seniors, especially blind or low vision
Replies: 13
Views: 1209

Re: Alexa for seniors, especially blind or low vision

I bought 2 Alexas as a back up system to verbally call for help if I fall. You can't call 911, but you can call another person, by name, who has an enabled device. This would be in case I couldn't reach my alert button. If you have a landline, you can purchase an “Echo Connect.” This would allow yo...
by littlebird
Fri Aug 17, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: How much did you pay to relocate laundry from basement to upstairs?
Replies: 23
Views: 2468

Re: How much did you pay to relocate laundry from basement to upstairs?

Relocating my laundry room about 3 feet from the garage to the master suite, which included sheet rock work and folding doors, as well as electrical and plumbing to bring up to current code cost about $3000.
by littlebird
Sat Aug 11, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Alexa for seniors, especially blind or low vision
Replies: 13
Views: 1209

Re: Alexa for seniors, especially blind or low vision

I bought 2 Alexas as a back up system to verbally call for help if I fall. You can't call 911, but you can call another person, by name, who has an enabled device. This would be in case I couldn't reach my alert button.
by littlebird
Fri Aug 03, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4505

Re: Ticks and common sense?

I spent my entire youth in the woods, largely without bug spray. Had a few ticks, but no problems. I don't know your age, but keep in mind that in most areas, the deer tick problem has gotten exponentially worse in recent years. When I was a kid, Lyme disease didn't really exist outside of a few is...
by littlebird
Fri Aug 03, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4505

Re: Ticks and common sense?

When I was younger, I had many tick bites, but nowadays, I seem to be good at avoiding them. That's interesting. I grew up in rural western MA, and never encountered a tick in my life until I was in my late 20s... late 1980s early 1990s. Possibly DDT -which was outlawed in 1972 - was sprayed in you...
by littlebird
Tue Jul 31, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Garage doors
Replies: 13
Views: 1378

Re: Garage doors

If you are going to choose a door with the small high windows, make sure that the decorative elements ( sunburst, carriage window, etc.) are encased between two panes of glass, because, at least with the Clopay door that’s installed in the house I moved into, the decorative element is very thin plas...
by littlebird
Thu Jul 26, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2841

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

I love the wood-look tile, but I have no idea if it will be considered an awful fad in 20 years. This As someone whose memory of decorating styles goes back about 3/4 of a century, I can assure you that there came a time when wood floors ( although never a “fad”; they were just the most available m...
by littlebird
Thu Jul 26, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4413

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

Did he leave the money to you by name? Or to “my daughter-in -law” ? If the latter and he wrote the bequest provision while you were still married to his son and didn’t amend it later, state law may have come into play.
by littlebird
Thu Jul 26, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Is anyone using a bill paying service?
Replies: 38
Views: 4082

Re: Is anyone using a bill paying service?

An elderly relative in California would benefit greatly from someone taking their bills, sending out checks, and debit a bank account. Is anyone use one of those bill paying service is? I found an article about one called Silver Bills - it’s about 100 bucks a month and sounds like the right thing, ...
by littlebird
Wed Jul 25, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: A different long term care question, which assets have to be depleted for a married couple?
Replies: 5
Views: 791

Re: A different long term care question, which assets have to be depleted for a married couple?

Little Bird, I understand that someone can live with dementia for 10-15 years, and this would definitely deplete our assets if one of us required that kind of care for that long. I was trying to understand what happens to the healthy spouse. Thanks for the reply. Keep in mind that you will still ha...
by littlebird
Wed Jul 25, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: A different long term care question, which assets have to be depleted for a married couple?
Replies: 5
Views: 791

Re: A different long term care question, which assets have to be depleted for a married couple?

You mean MedicAID. In general, Medicaid considers assets to be available to both, but protects a home so that the non-institutionalized spouse can live in it. Income, however, generally belongs to the spouse who receives it. Think first how you can afford non-Medicaid care. There are many options pr...
by littlebird
Sun Jul 22, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Location Independent (Nomad) Will
Replies: 20
Views: 1619

Re: Location Independent (Nomad) Living Will

Will there be someone with you in these countries to work with your medical providers ? For example, to bring the document to the hospital if you become seriously ill? These documents are not really self actualizing, even in the U.S., where hospitals are required to ask about the existence of “livin...
by littlebird
Sun Jul 22, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 36
Views: 3499

Re: How Unclaimed Property Laws Can Affect Retirees

Wow! Unbelievable actions. . . . Hopefully the sending of warning letters will keep most folks safe from this issue. Broken Man 1999 Until the day when confusion sets in and the person(s) holding your P.O.A. knows nothing about it, has died, is continents away and has misplaced the document. And yo...
by littlebird
Sun Jul 22, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: WSJ Article on Aging -- Scary Stuff..
Replies: 16
Views: 2251

Re: WSJ Article on Aging -- Scary Stuff..

livesoft wrote:
Sun Jul 22, 2018 11:17 am
Full disclosure: Both my parents are dead. Both my spouse's parents are dead.
Then it’s not about parents any more, it’s about YOU.
by littlebird
Sun Jul 22, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2749

Re: Rain shower

Our built-in seat makes a handy shelf, but as my spouse aged, he needed a freestanding seat, then a special tip-proof seat, that could be moved closer to the faucets. I think your choice of a wooden movable seat is a sound one
by littlebird
Thu Jul 19, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 36
Views: 3499

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: 3134

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: 3134

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: 2474

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: 2474

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: 177
Views: 23974

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...