u/pembquist

A good 10 years ago I got the name of "the top elder lawyer" in my area and went for a consult with my mom who had Alzheimer's I asked about a variety of things and one of them was about qualifying for Medicaid if she ran out of money. I asked if there were any trust arrangements that would enable her to hang on to some of her money in order to pay for additional care privately. The lawyer said "our firm does not do that sort of thing." I guess you had to be there as the inflection was not a neutral: "that is not possible we can't do that," or "that is not our area" or anything like that. It was full on condescension with overtones of moral sanctimony. I mean, not to insult anybody but she's a lawyer, I'm here exploring every avenue possible for my mother and this person is acting like I am some sort of grifter.

This reminds me of another interaction with another wills and trusts lawyer where I must have been asking similar questions for planning purposes for my partner and I and they got all scoldy and then later in the conversation they got very excited because they felt we were in danger of letting the state collect inheritance tax. It seemed completely hypocritical.

I don't know if being in Oregon has anything to do with it. I know that the era of trusts to avoid liquidation while qualifying for medicaid is a thing of the past but here it seems unlike the eastcoast where having medicaid pay for long term care is an accepted normal. Instead it is like "dirty peasants, don't you dare try to freeload on us."

Is there anything about legal ethics where you are supposed to check your personal political and moral opinions at the door and pursue the best outcome for the client?

It is a one man Mandella effect. I first saw the movie as 5 year old when it came out, I think it was an error on the part of my grandma as it would have been considered a bit steep for a child back then. I had the complete mis remembering of the car chase where the bad guys were in a green vw (yes I know) and the guy with the shotgun firing out of the rear quarter window which never made sense to me as those windows don't roll down in a bug. I was puzzled for years and mentioned this online maybe 10 years ago and someone pointed out the green bug. I watched the movie after that to see the green bug and I really liked the movie, the stillness of of a lot of the scenes etc.

Now the problem is that more recently I would have sworn that Jaquiline Besset's character watched McQueen at the airport after the final shootout. He was quietly organizing things, speaking to other officers etc. In my memory this is a scene where she comes to terms with his character's life of half violence and degradation and sees beyond what she fears will be a life of intensifying calousness.

OK, I just watched it on TUBI and I have lost my mind as this scene doesn't exist, it is probably some mental trick I am playing on myself merging the motel scene with the murdered wife with the end of the airport when the priest is giving last rites and the dead guy is being covered with a sports coat or something.

Am I crazy or is there another edit?

Also what I remember from when I saw it with my grandma was that when he steals a newspaper from the newspaper vending box it is before the hit at the hotel, more of establishing the character before you actually know who he is......I assume I've got that wrong but......

Great movie really. The car chase is OK but you just cannot not see that green bug. The greatness is the quietness of it, the stillness and soft voices with all the politics and conflict, and face it McQueen had hella charisma.

Does anyone know of/have experience with a source for a lift off trailer built in the Portland to Seattle area? It would be for a 28' Cape Dory. I had toyed with the idea of getting a float off from a place in N. Carolina but that seems ridiculous despite having glowing reviews from Cape Dory people as that is on the other side of the country and I'm probably too old to be floating off a boat of that size anyway. I just watched some Atom Voyager videos and he had some trailers from a place in Georgia that were basic painted sailboat trailers with 14,500 weight rating that cost around 6K. I'd like to find something like that only localish.

Could easily be 49 year old 1/4-20 machine screws, no obvious signs of corrosion, (screws pulled,) I'm guessing a mostly freshwater boat by rust on engine etc.

I'm thinking it doesn't make much difference and 316 screws have to be mail ordered from McMaster.

Opinions?

I just read on another subreddit where someone was asking for advice about their father's estate. It seems they were appointed executor and the will leaves nothing to the father's long term (17 years) cohabiting girlfriend who apparently has no idea they are going to get nothing. No house, no money nothing.

Aside from the ethical or moral question this raises it made me think about the unfairness of saddling someone with the duty of executor who might be suffering from grief. I know a few families who kind of lost their minds over money after someone died. I think it can make people a little crazy.

Did any of you think about this?

Have any of you gotten an MMSI for a handheld VHF with DSC? I'm a little confused if it makes any difference if I push the panic button. I'm not sure about what the path to getting one for a handheld is, it seems like if you go via Shine Micro it isn't in an international (Canada) database and I can't really tell if doing it through the FCC requires a station license which seems to cost a lot of money.

I take it on other peoples boats and kayaking and on my own boat.

This is going to be a bit long.

We are planning on getting LTC insurance, my wifes dad used his benefit and we have no kids. I am just not sure how to think about it. I conceptualize 3 different reasons to get it:

1 you don't have enough money to pay for the medicare spend down that most assisted living places require to get one of their medicaide beds, (I don't really understand how this is legal but it seems industry standard.)

2 you probably have enough money to pay for LTC but it is maybe a little unclear and you would like to be able to spend the money you have socked away rather than hold onto it till your dead in case you have to pay LTC costs.

3 you have money to pay for LTC but you want to leave some money to someone or something so you buy the insurance so that you don't have to spend that money on LTC

We are in reason 2 and I think about it in terms of having a chunk of money that can generate an income with maybe not dipping into principal but if one of us needs LTC the money might get strained for the other. I think about how you insure a truck that you use to generate income, if the truck gets wrecked and it isn't insured you are out of business so you buy insurance.

My problem is I am not sure how much to buy. The policies we are looking at do not adjust for inflation and have a maximum benefit of 6 years. I think you should buy insurance to insure against disaster not inconvenience. If one of us goes into LTC early that is harder on the remaining spouse so the worst case is one spouse goes into LTC a year after we purchase the policies. So does that mean I price a conservative income from assets and buy enough coverage so that adding ltc costs next year does not change that income? Do I consider the much more likely prospect that the coverage won't be used for another 20 plus years where its value will be cut in half so it would be better to just get what LTC costs today and figure that is better? (that is kind of vague but my brain is a little worn out ruminating on this.)

As it stands right now my wife costs more than I do and to have 10K a month each it would take about 250K at 4% to pay 25 years of premiums. While the largest benefit the policy could pay would be a face value of 1.48 million though that would be highly unusual in my opinion.

I have tried looking at the implied odds of the defacto bet we would be making and using a payout of 360K (one of us using LTC for 3 years) the premiums indicate a really low chance at the beginning rising to 50 50 at year 22. So what do I do with that? The information on needing the insurance is somewhat vague I have seen official statistics that claim 30 percent but I also have to consider that we have no kids and whatever you say I have had experience taking care of my mom and FIL and there will be no economizing if we need to be taken care of.

Well If you read this far thank you and if you have any suggestions about what worked for you in terms of deciding this question I would appreciate any advice. My impression is that Northwestern has a reputation for actually paying, which seems like a huge issue with some of the policies that were sold in the past.

For rough numbers we have 2 mil in securities etc. and 2 mil in realestate including our home and 3.5 rental houses net of debt. I don't expect you to do my financial planning but just want to illustrate why I think we are in category 2 of the categories I outlined above.

20 years ago my wife got a 200K life insurance benefit. Several months after depositing it in her bank account she got a letter from the IRS telling her that she owed big: taxes, penalties for failure to report etc. etc. I told her to write them and tell them it was life insurance and that was the end of the matter.

She just got another benefit, is there anything you are supposed to do to forestall getting accused of tax evasion?

I wanted to get a quote for a preferred stock for T. I tried T-PA and a few other permutations. What is the proper syntax? Or is there a problem getting quotes for preferreds in ATP.