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JaneyLH

I've been a member for years. The only snail mail I get from them are the monthly magazines. I get no email and no phone calls. I also have an AARP/UH Medigap plan. Not sure I've ever used one of their discounts, but I've found some of their articles useful, and I generally support their lobbying e...

JaneyLH

And here I was at 65 years of age and 10 years into retirement moving from 70/30 to 55/45 yesterday and feeling it was the right choice for us. But my husband has a decent Federal pension with low-cost lifelong health insurance and at 70 years a good Social Security check that will kick in, so I'm ...

JaneyLH

And here I was at 65 years of age and 10 years into retirement moving from 70/30 to 55/45 yesterday and feeling it was the right choice for us. But my husband has a decent Federal pension with low-cost lifelong health insurance and at 70 years a good Social Security check that will kick in, so I'm f...

JaneyLH

Just today I rebalanced by shifting about $500K from stocks/stock funds to Vanguard Total Bond Market. I've been pretty "hands off" since retirement and have intended to lower our exposure to stocks for awhile. Spent some time looking at everything, had a chat with my husband, and with his...

JaneyLH

I just logged into Vanguard and see I have a new rep! Disappointed I didn't get a personal (well, sort of) email to advise me of the transition. I have had two reps in 5 years and liked them both. The first helped me massively while transitioning my portfolio to a 3-fund (mostly) and the second help...

JaneyLH

Just saw a news story about Trona, California -- one of two towns impacted by the recent earthquakes. Said you could buy a house there for $15K... and that was BEFORE the earthquake!

JaneyLH

Is it safe to assume the FIL is mentally incapacitated at this time? And is he receiving social security? I hate to open a new can of worms, but if the answer to both these questions is "yes" you'll need to investigate where his SS payments are going. And just like the IRS, SS won't recog...

JaneyLH

I wonder how the claim against the estate would work. If your paying the bills were in the form of a loan, then you would have a claim. If it were considered a gift, then you would not. You probably need a lawyer to help. As to whether the lawyer was ever properly appointed through the POA, I assum...

JaneyLH

another thing to figure out -- how to establish POA with the IRS. This is done with IRS Form 2848 . As I recall, if the FIL has the capacity to execute the form, he is required to sign. If not, the PoA can sign the form (if the PoA document authorizes the handling of tax matters) if the PoA documen...

JaneyLH

Finally got through to attorney on the phone and found he had basically done nothing. "I have an appointment tomorrow to go to the bank and see what we have to do to turn the account over. You can handle the other two banks, they should be easy since you are starting clean with them." If h...

JaneyLH

I bought a house from a developer in a planned community I selected and didn't use a real estate agent to find the property since it was 1/2 mile from my existing house. When I first met with the developer's real estate agent, she brought along another agent from her office and told me he was "...

JaneyLH

I've used it twice, both for payments to a family friend. We both bank through Wells Fargo. The first Zelle payment went through flawlessly. The second never arrived.

I haven't used it since.

JaneyLH

This has been a real journey. To summarize, we contacted the attorney who expressed surprise that DH's brother never spoke with him or informed him he was the successor POA for his father. He told us that he had been paying FIL's bills for the last year and a half, and that he recently attempted to ...

JaneyLH

Fortunately we have a Vanguard Flagship advisor and have set an appointment to learn what documentation they require in order to recognize a POA in this situation. We already know they have rejected the attorney's claim. Thanks all for your feedback. I always the thoughtful and helpful advice from t...

JaneyLH

Pay close attention to Gill's advice. If I'm correct he's an attorney and well acquainted with POA law. BIL cannot just hand over his POA authority to anybody. You are named as his successor, and nothing can change that unless you renounce it. Also listen to Broken Man. "Hinkey". This law...

JaneyLH

My husband's father gave his eldest son (my husband's brother) authority as attorney-in-fact. The state is Pennsylvania and the POA was dated 2012. In 6 months, the brother began acting as the POA. He is very secretive and shares very little information. He has involved an attorney (likely the one w...

JaneyLH

I'm sorry to hear of the loss of your husband, and impressed you are planning to carry on with RVing on your own. Good for you! The towing rating of 5,000 lbs. is just part of the story. You also have to consider hitch weight and payload (how much weight you can actually carry in the tow vehicle, in...

JaneyLH

I have vacationed in England and Scotland more than a half dozen times each and love them... but visited Ireland last year (on my way to Scotland). What a great place! So green and beautiful. Few crowds. Easy driving compared with England. Extremely reasonable — rental car was just $11 per day with ...

JaneyLH

Your wife is right the Jeep Grand Cherokee is just cool and a great SUV. No other car SUV offers similar functionality. I own one now and used to own two. I will probably buy a third this summer They are just unbeatable for driving in bad weather with big snow or towing big boats or going out in th...

JaneyLH

Spouse and I retired 8 years ago at 55. Travel, travel, and more travel. Have reasonably sized travel trailer (that fits national parks). Love Viking river and ocean. Trying out Seabourn next month to Antarctica. Never thought I would have a life like this, but it's wonderful.

JaneyLH

Global entry/TSA pre-check is essential for anyone who travels more than a couple of times a year. I've been pondering my photographic equipment strategy recently because I'm going to go on an Antarctic cruise next month. Previous cruisers recommend 2 bodies because you can't change lenses (or shou...

JaneyLH

The key to success is not a greater willpower but complete avoidance. If you decide to limit alcohol, don't keep any alcohol at home and have it only when you go out. If you decide to limit junk food, don't keep any junk at home. None. If you are trying keto, get rid of all carbs. All of them. Vict...

JaneyLH

After watching my son lose a hundred pounds in a year's time I am on what we have nicknamed the Costco diet. 3 eggs in the morning with one slice of whole-wheat toast or an English muffin dry. Lunch and dinner consist of 8 oz pulled Costco rotisserie chicken and one cup of cooked stir fry Costco As...

JaneyLH

If you use Craigslist, get a free Google Voice number so you can get phone calls and texts without the caller knowing your real number. If you call back, use the Google Voice app to keep your real number secret. Works great!

JaneyLH

Last month, I'm shopping at Costco and dropped by the pharmacy to get on their list. The pharmacist says they just got a shipment that morning, and since I needed the second dose and was present and asking, they would give me the second dose. Just got lucky. No prescription necessary. Lucky! My Cos...

JaneyLH

Global entry/TSA pre-check is essential for anyone who travels more than a couple of times a year. I've been pondering my photographic equipment strategy recently because I'm going to go on an Antarctic cruise next month. Previous cruisers recommend 2 bodies because you can't change lenses (or shoul...

JaneyLH

Free - USA Today and CNN. Both give me the breaking news.

When I can get a deal, I subscribe to either the Washington Post or the New York Times digital editions. My WP just ran out so now I'm on the NYT special.

JaneyLH

I had an ankle injury 5 years ago that has diminished my ability to exercise. I saw a nutritionist who advised me that as a post-menopausal woman who can't do a lot of exercise, the chances of my losing weight and maintaining were pretty much nil. (I am usually at 7000-8000 steps per day, more than ...

JaneyLH

Bruce Springsteen's Broadway show soundtrack.

JaneyLH

Sorry if this is inappropriate...?? I am not sure???/ I read that a single FIT stool test detects about 73 percent of colorectal cancers. But because you use FIT every year, 10 screenings over 10 years make it just as good as one colonoscopy every 10 years. The newest stool test is called Cologuard...

JaneyLH

A telephoto lens can also be a prime lens. Prime vs zoom is orthogonal to focal length. However if she takes her kit on airplanes or hiking weight and size become issues. Something to consider when buying. I've taken full frame cameras on cruises and what I've ended up taking is smaller aperture le...

JaneyLH

We've stayed in San Jose del Cabo. Near the Cabo San Lucas airport. Same climate as Cabo San Lucas, but a bit lower key/kid friendly. You can taxi or bus into Cabo San Lucas if you really want the party atmosphere! Very safe both around the hotel area, shopping in stores, and in the downtown area. ...

JaneyLH

Have gone through many camping transitions, from tent to van to folding trailer and now have arrived at a comfortable four season trailer. Most of the time, we seek out campgrounds with electrical hookups, like Furnace Creek Death Valley and Watchman Campground in Zion National Park. That gives us q...

JaneyLH

I have had 3 car rentals where there was damage, and in all cases the credit card coverage took care of it. 1. Backing up in a cramped underground parking garage, my husband backed into a pillar and damaged crumpled the fender. When we returned the car at Heathrow, the rental car agency learned that...

JaneyLH

If you or your wife have ever watched Downton Abbey, you might be able to combine a visit to Stonehenge (which I have always found fascinating and chill-inducing) with a visit to the real life DA... Highclere Castle, which is very close by. My husband and I spent 4-5 hours there, and were the last t...

JaneyLH

My strong advice is to make plans to visit next month during the period of November 4-11. There is a wonderful event that has been held in Death Valley for the last 68 years called the "Death Valley '49ers Encampment". It's a western heritage and music festival that includes historical pro...

JaneyLH

Easy answer! Search Bogleheads for “Variable Percentage Withdrawal”. This is what I’m doing.

JaneyLH

Consider what would happen to your spouse if you were incapacitated by illness or accident, requiring nursing home care for an extended period. What kind of facility would you choose and how much would this care cost? How long would it take for your assets to be depleted? What if both you and your s...

JaneyLH

My husband and I were similarlarly very thrifty. Both divorced and recovering from the economic results. Now, after 14 years of our second marriage, we have MORE money than we ever expected. Our challenge is spending the appropriate amount of money now, but it is a good burden to have!

JaneyLH

No. No. No.

JaneyLH

I can only tell you, I was in your shoes once. I found this wonderful group of people who gave me the advice and encouragement I needed to fire my financial advisor ( not nearly as bad as an EJ agent) and strike out on my own with a simple strategy of indexed funds. I have probably saved $200,000......

JaneyLH

I love my iPad Pro, and I love my Samsung phone. I don’t have any problem moving back and forth between the two platforms. I use the Chrome browser on both (as well as on my Windows laptop). I had a Samsung tablet before the iPad but it pretty much died an early death — slowed way down and the sound...

JaneyLH

chinchin wrote: ↑Fri Aug 24, 2018 2:03 pm iPod Touch. Runs iOS.

This is what my husband got to supplement his cheap flip phone. Uses it on WiFi and for some apps that don’t require data service.

JaneyLH

Recommend the RV approach because of the flexibility to change plans at a moment’s notice, and how nice it is to have all your own things with you. We have often decided to stay longer in places that had more to offer than we expected, or left early when we encountered smoke or bad weather. It’s ver...

JaneyLH

Schwab seems to be the clear leader in client protection, having just 2 requirements associated with their guarantee. The two things Schwab requires are: 1. Safeguard your account access information. 2. Report any unauthorized transactions to us as quickly as possible. The 29 things Vanguard requir...

JaneyLH

Thanks for the review. I will be in Naples in November (I've spent a couple days there previously, but looking to do different things). If you go to those major tourist cities in Sept-May you will generally experience much smaller crowds. I don't think you need to ignore them altogether. +1 My husb...

JaneyLH

I'm just curious... how in the world would one go about washing dishes with a bar of soap? Does she rub the bar on the dishes? Or does she hold the bar under a stream of water to try to make a sink full of soapy water? I would like to know how she does it, because it might be handy sometime camping ...

JaneyLH

Left Big 4 firm as Sr. Manager to start up IT Audit function for Fortune 250 company in early 90s. Got stock options and great opportunities to change career path. Was great move that created wealth I had never expected.

JaneyLH

You may burn bridges if the community is small enough and folks know each other. However, in a tight market, employers just have to kind of deal with it. It does say something about someone's commitment and integrity level when they don't honor commitments. I'm in my early 60s and retired -- but ha...

JaneyLH

I took what I could but left through a side door when the opportunity arose. My colleagues either thought I was brilliant or insane. When I had enough, I left. No regrets, just joy.

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