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Re: Frugality regret: What thing do you regret not spending

My main regret also involves foregoing professional photography (is there a pattern here?); in my case of myself in my doctoral regalia. I was a mid-life graduate and didn't think I needed or wanted a professional portrait; just give me the diploma and let me get a job. So I let my then s.o. (who, i...
by littlebird
Mon Apr 21, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14337

Re: Is Stopping SPAM on Yahoo Possible?

Actually you're pretty lucky. Yahoo seems to believe that a certain percentage of everyone's e-mail is spam and when I was getting almost no spam, it regularly sent about a third of my real e- mail to the spam folder. These included e-mail from a listserv that came prefaced with a standardized marke...
by littlebird
Sun Apr 20, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Is Stopping SPAM on Yahoo Possible?
Replies: 17
Views: 852

Re: Alternative to a car

Safeway provides home delivery at reasonable prices in Arizona, via safeway.com. Perhaps they do so in your mom's area as well. Not the easiest shopping site to use, but possibly you could help her or even place the orders for her. I love it!
by littlebird
Sat Apr 12, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 34
Views: 2227

Re: Why Americans are Retiring Overseas

quote="] ". . . NM would be on the "potential" list, it may be a place where I enjoy visiting more than living.. [/quote]

Very insightful. Don't ask me how I know.
by littlebird
Thu Apr 10, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9057

Re: Why Americans are Retiring Overseas

Curlyq wrote:Is there a low-cost retirement place with abundant snow skiing? That's been my problem all along. My skin can't handle the beach- or rain forest-type weather and I'm a snow person.


Not *extremely* low cost, nor *tremendously* abundant snow, but perhaps a reasonable choice: Flagstaff, AZ
by littlebird
Thu Apr 10, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9057

Re: Death of co-worker

My spouse and I both saw this happen at our workplaces, and it was a large impetus to us taking early (in my case very early) retirement. We started our retirements in very good health and had 25 good, active retirement years but then a combination of his-and-hers infirmities catapulted us suddenly ...
by littlebird
Mon Mar 31, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9294

Re: IRS letter claiming return is late - anyone experience t

Half-way in between just dropping it in a box and getting a return receipt is the Certificate of Mailing, postal service form 3817. It's too bad it's so little known. It's very inexpensive. You fill out the tiny form with your name and address and the recipient's name and address. The clerk checks t...
by littlebird
Mon Mar 31, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS letter claiming return is late - anyone experience this?
Replies: 34
Views: 3444

Re: Donor Advised Funds

I've had one with Vanguard for 9 years. I love being able to make anonymous donations and I like the tax break I got the year I created it. I know I agreed to the $500 grant amount when I started it, but I regret now not having gone with Fidelity for the ability to make smaller grants. I have not be...
by littlebird
Tue Mar 25, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 56
Views: 2052

Re: 25 year old speeding ticket

Do you know what jurisdiction issued the ticket? Maybe you can contact them. If they don't think it was paid they probably would have issued a bench warrant for you. True New Mexico story: Taxpayer gets notice from State of New Mexico: "You didn't pay your income tax last year." Taxpayer ...
by littlebird
Fri Mar 21, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: 25 year old speeding ticket
Replies: 23
Views: 2375

Re: Tax Court strikes a blow to IRA Rollovers

It's a point of nomenclature. It's called a ROLLOVER if the account holder receives the funds, a transfer if its a direct transaction between custodians. In the very early days of IRAs, I wrote a letter to the custodian of my maturing IRA CD stating that I wished to take possession of my IRA as a r...
by littlebird
Fri Mar 21, 2014 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Court strikes a blow to IRA Rollovers
Replies: 98
Views: 11477

Re: Time to see where things stand with High Yield Bonds

I temper my risk with Vanguard High Yield Bond by keeping the dollar value of my holding to a set amount that I feel comfortable with, diverting all divs and cap gains to a short term bond fund, re-balancing frequently when my set amount is exceeded and re-balancing rarely when it drops below that a...
by littlebird
Fri Mar 21, 2014 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Time to see where things stand with High Yield Bonds
Replies: 14
Views: 1386

Re: Buy vs rent no longer relevant?

buy a $200,000 house and pay $10,000(?) a year in maintenance, insurance, and property tax. . I bought a (several decades old) house a couple of years ago for just slightly more than that amount. My taxes, insurance, HOA (which pays for several hundreds of millions of dollars of recreational amenit...
by littlebird
Sun Mar 09, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 5851

Re: Recommended home rental sites?

I advertise my furnished AZ snowbird condo on craigslist. I'm too much of a Boglehead to pay the fees the others charge. All I need is one renter per month and I've gotten fine snowbirds from that site.
by littlebird
Wed Mar 05, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Recommended home rental sites?
Replies: 5
Views: 342

Re: AMEX rewards on Kroger error

LifeIsGood wrote:Not to hijack this thread, but does the $6000 cap reset every year?


Yes
by littlebird
Sun Mar 02, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: AMEX rewards on Kroger error
Replies: 15
Views: 1282

Re: AMEX rewards on Kroger error

I had the same problem on my Feb bill, but it turned out (according to the rep I spoke to) that the Feb bill still had late-December purchases on it, and that I had exceeded my $6000 supermarket limit and was therefore defaulted back to the 1% classification for those purchases.
by littlebird
Sat Mar 01, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: AMEX rewards on Kroger error
Replies: 15
Views: 1282

Re: Goodbye HAL

Our first computer growing up was a Tandy 1000. You had to have the MS Dos floppy disk to boot it up. The only thing I remember doing on that computer was playing Pole Position. And it didn't have "word wrap". You had to flip from one 90-character screen to another to read a full 180-char...
by littlebird
Sat Mar 01, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Goodbye HAL
Replies: 35
Views: 2302

Re: New Long Term Care Product

I've been watching your previous post:

viewtopic.php?f=2&t=133911#p1974650

because this is interesting to me also, but so far no luck.
by littlebird
Fri Feb 28, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Long Term Care Product
Replies: 3
Views: 597

Re: Ethics and Small Business / Microbusiness

I think it would be unethical to ask for testimonials from your employees or other people who are dependent on your good will for their living.
by littlebird
Sun Feb 23, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Ethics and Small Business / Microbusiness
Replies: 3
Views: 358

Re: Taking out a mortgage from same bank you have CD at

Another word: "setoff". This is an age-old principle. A creditor may set off, or offset, a claim from money of a debtor that he is holding. Whether this would actually happen depends on the nature of the debt and the laws of the jurisdiction, but it DOES happen and a close reading of credi...
by littlebird
Sun Feb 23, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking out a mortgage from same bank you have CD at
Replies: 12
Views: 702

Re: becoming a snowbird

One question though: what are "self-managed properties." Not familiar with that term. When the board of directors of the condo - composed of elected condo owners - decide to manage the day to day running of the condo themselves, instead of hiring the job out to a management company. Usual...
by littlebird
Mon Feb 17, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: becoming a snowbird
Replies: 21
Views: 3299

Re: Home Closing Documents

I keep them for 7 years after sale.
by littlebird
Sat Feb 15, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Home Closing Documents
Replies: 3
Views: 362

Re: Can your Cap Gains percentage get too high?

A good general rule is not to let the tax tail wag the investment dog.
by littlebird
Fri Feb 14, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Can your Cap Gains percentage get too high?
Replies: 13
Views: 1075

Re: Vanguard snowed in.

How the weather in Scottsdale, AZ?


81 degrees and sunny. Not meaning to rub it in, but you asked.
by littlebird
Thu Feb 13, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard snowed in.
Replies: 31
Views: 3458

Re: How long does it take to do your taxes?

About 40 minutes with pencil and paper (have been doing it for 55 years). Another 1 1/2 hrs to review, re-run some calculations, over-write in ink, copy and collate and lick the envelopes.
by littlebird
Mon Feb 10, 2014 1:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How long does it take to do your taxes?
Replies: 53
Views: 2771

Re: Living in retirement: 7 things I wish I could tell mysel

I read an article a couple of years ago that estimated the value of a stay at home spouse was nearly $100k/yr. The labor market disagrees; a fulltime live-in nanny costs $20k/yr or less. Since a nanny takes care of about 20-25% of the chores a stay-at-home spouse generally does, the $100,000 figure...
by littlebird
Mon Feb 03, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living in retirement: 7 things I wish I could tell myself...
Replies: 47
Views: 8367

Re: CapOne Quicksilver Upgrade - Be Careful

No. I upgraded my Cap One platinum Visa to Quicksilver and received a Visa Quicksilver card. I don't know anything about the perqs, either before the upgrade or after, since I never used them and don't expect to in the future.
by littlebird
Sat Feb 01, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: CapOne Quicksilver Upgrade - Be Careful
Replies: 10
Views: 1701

Re: What's your one big takeaway from the Crash of 2008?

Biggest Takeaway? "Wealth Is Created During Bear Markets You Just Don't Know It At The Time"(As long as you stick to your discipline and continue buying shares in your equity index funds :happy ) How does that work when you are past the accumulation phase? By rebalancing (and if you have ...
by littlebird
Wed Jan 22, 2014 1:45 am
 
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 300
Views: 42795

Re: Family member's pension was invested into a Ponzi scheme

I would definitely sue the former employer. ... Whose assets are probably shielded by a trust, if he is a reasonably smart, lawsuit-averse doctor. Some sort of settlement may be the quickest, easiest resolution. But yes, this is a terrible situation. My sympathies. Trusts can be, and frequently are...
by littlebird
Tue Jan 21, 2014 12:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Family member's pension was invested into a Ponzi scheme
Replies: 14
Views: 2548

Re: Should one in Retirement Rebalance

Certainly. 26 years retired, not using investment distributions for living expenses yet. This year I did a lot of re-balancing into bonds; in 2007-9 (and prior downturns) I did a lot of re-balancing (and a little extra) into stocks. I want to control my own allocation; I don't want the market to con...
by littlebird
Tue Jan 21, 2014 12:46 am
 
Forum: Investing - Theory, News & General
Topic: Should one in Retirement Rebalance
Replies: 17
Views: 1188

Re: Family member's pension was invested into a Ponzi scheme

Can she sue her former boss? An attorney might take that on a contingency basis. It seems clear he knew for some time that something crooked was going on. Not only that, but even a *legitimate* investment in Nevada real estate does not meet the standard of care I believe is required of someone inve...
by littlebird
Mon Jan 20, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member's pension was invested into a Ponzi scheme
Replies: 14
Views: 2548

Re: First Speeding Ticket: What Would You Do?

wander wrote:Try to show up at the court and plead no contest; usually, you will pay fee and do community service but there will be no points.


No such plea in N.Y. It's "guilty" or "not guilty".
by littlebird
Mon Jan 20, 2014 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: First Speeding Ticket: What Would You Do?
Replies: 72
Views: 4099

Re: Negotiating with Insurance (Subrogation Claim)

Calm Man wrote:If I had a flood in my rented apartment my only question would be whether to sue the landlord and his/her insurance company. Why would you pay for a flood in an apartment that you rent?


The OP told us earlier: "Let's assume I was (the cause of the flood)
by littlebird
Sat Jan 18, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating with Insurance (Subrogation Claim)
Replies: 16
Views: 1239

Re: Help with Judgement

Served him on the phone? Never heard of this.
Took money from his account? He needs to go to the bank and find out who took money and on what authority.
by littlebird
Mon Jan 13, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Help with Judgement
Replies: 4
Views: 371

Re: U or V shaped nature of retirement spending

I am coming to believe that very little is known about retirement. As a retiree, I'm always amused when I hear "experts", who have never been retired, pontificating on the subject on various financial programs, while never in all these years have I ever heard an actual retired person bein...
by littlebird
Sat Jan 11, 2014 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: U or V shaped nature of retirement spending
Replies: 15
Views: 1146

Re: U or V shaped nature of retirement spending

Having been retired 26 years, I've seen the first two stages of retirement as you outline them. At first we traveled around the west in an RV, spending fairly freely on equipment. park rental, sightseeing and meals out, although it's still a reasonably low cost way to travel. When we were home, we a...
by littlebird
Sat Jan 11, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: U or V shaped nature of retirement spending
Replies: 15
Views: 1146

Re: Special Needs Trust and Attorney Suggestions

littlebird, we did two years ago. There were a couple of individuals posing as 'experts' in setting up special needs trusts. We contacted them and met them in their office in Tampa. What followed was a high pressure sales pitch to take over and manage all of our assets for an outrageous fee. They e...
by littlebird
Fri Jan 10, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Special Needs Trust and Attorney Suggestions
Replies: 13
Views: 879

Re: large callerid?

I thought you had some kind of insect pest.
by littlebird
Fri Jan 10, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: large callerid?
Replies: 11
Views: 673

Re: SPECIAL NEEDS TRUST AND ATTORNEY SUGGESTIONS

You might try seeking a referral from any organization(s) that advocate for or deal with the type of disability your special needs person has.
by littlebird
Fri Jan 10, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Special Needs Trust and Attorney Suggestions
Replies: 13
Views: 879

Re: Trouble trusting US healthcare

Not to be political, but that is my biggest pet peave in this whole health care reform. There is no emphasis on patient's taking on more responsibility for their care or health. Okay small rant over. :D Good luck. I've found that when I take responsibility for my care - usually manifested by reject...
by littlebird
Thu Jan 09, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Trouble trusting US healthcare
Replies: 70
Views: 3265

Re: Do you oversave for retirement or not?

I retired with barely enough, or maybe even less than enough but -- I was only 46 and had professional qualifications. I *knew* I could go back to work if I needed more. A combination of finding a low-cost, but amenity-rich place to live and the good luck of a booming stock market (with a high stoc...
by littlebird
Wed Jan 08, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 5820

Re: Do you oversave for retirement or not?

I retired with barely enough, or maybe even less than enough but -- I was only 46 and had professional qualifications. I *knew* I could go back to work if I needed more. A combination of finding a low-cost, but amenity-rich place to live and the good luck of a booming stock market (with a high stock...
by littlebird
Wed Jan 08, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 5820

Re: How much should a good dentist make yearly?

My wife quit her Saturday job after we had our second son in 2011, but opened her office on Saturday mornings. She made something like $85K in 2012 and I raised a ruckus. She bumped up her production, but will still make someone like $95K in 2013. I am still not happy with her earnings. . I have co...
by littlebird
Wed Jan 08, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 78
Views: 15271

Re: Advice on Inheritance

I am confused. Are you the sole beneficiary of this second inheritance and asking whether you should share it with your bro and in what manner? Or are you both beneficiaries and are asking if you should somehow conceal your bro's inheritance from him? Are you the executor?
by littlebird
Tue Jan 07, 2014 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Inheritance
Replies: 4
Views: 785

Re: Estate Planning: how to revise Living Trust

. Our networth is well below Estate Tax exemption limit and the purpose of the trust is to avoid probate related issues (cost + time) :happy CA probate must really be a bear for creation and frequent revision of a revocable trust while you're alive to be preferable to those who are getting the mone...
by littlebird
Sun Jan 05, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning: how to revise Living Trust
Replies: 15
Views: 1319

"Long term Thinking"

Nice tongue-in-cheek article on the death of same.

"Long-Term Thinking died on Tuesday. His last true friend, Vanguard founder Jack Bogle, was at his side. He was 213 years old."

http://www.fool.com/investing/general/2 ... sml37Cx57c
by littlebird
Sun Jan 05, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: "Long term Thinking"
Replies: 0
Views: 203

Re: Need, ability and willingness to take risk

Willingness is simply the stomach acid or sleep well test--how much of a drop can you take and still REBALANCE, let alone not panic. Larry I think the scope of "willingness" is larger than that. I DID sleep well AND rebalanced (and then some) into stocks in '87, 2001 and 2008-9. But I hav...
by littlebird
Sun Jan 05, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Need, ability and willingness to take risk
Replies: 60
Views: 3194

Re: Have any of you dollar cost averaged in over 5 years

I'm dollar cost averaging the proceeds of a home sale into BONDS, so I'm going verrry slowly. :sharebeer
by littlebird
Tue Dec 31, 2013 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have any of you dollar cost averaged in over 5 years
Replies: 38
Views: 2352

Re: Bed sheets like they used to be?

We've gone with the duvet + cover and no top sheet route because the top sheet was always causing problems…getting lost, tugged over to one side, etc. I get our duvets at Tuesday Morning or Marshalls and they both give me a thrill to change our "look" occasionally and don't seem to get th...
by littlebird
Tue Dec 31, 2013 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 41
Views: 3669

Re: Stressless Recliners

Search for "Eurostyle Recliners". You'll find some similar, but less expensive brands. I did and am very happy with the result.
by littlebird
Thu Dec 26, 2013 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 22
Views: 2393

Re: Indoor Electric Countertop GRILL suggestion-Breville Wor

I'm very happy with my $20 George Forman grill, although I do have a Breville toaster oven and it's super!
by littlebird
Wed Dec 25, 2013 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Indoor Electric Countertop GRILL suggestion-Breville Worth?
Replies: 1
Views: 190
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