Search found 1384 matches

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: 8224

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: 511

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: 3631

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: 5958

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: 5958

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: 5958

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: 1159

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: 20
Views: 1935

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: 1159

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: 4359

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: 4359

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: 1311

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: 2755

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: 4330

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: 3961

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: 759

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: 759

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: 1545

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: 3391

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: 2188

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: 2674

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: 3391

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: 3088

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: 3088

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: 2439

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: 2439

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: 17435

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: 6348

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: 6348

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: 6348

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: 811

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: 811

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: 4562

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: 4505

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: 1311

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: 2335

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: 3900

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: 4267

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: 9548

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: 4267

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: 6439

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: 7010

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: 3676

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: 3676

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: 9246

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: 1190

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: 13680

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: 9246

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: 695

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: 1629

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...