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Re: Shoes for Plantar Fasciitis?

I went to Amazon and searched for "Plantar faciitis shoes" and found very satisfactory shoes, slippers and elastic bands.
by littlebird
Mon Oct 20, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 19
Views: 350

Re: POLL: How fulfilling is your retirement?

My feelings about retirement are characterized by the concept of "luxury" rather than "fulfillment". To be in complete control of my own time - whether it meant being able to take an Amtrak trip all around the country in early retirement, or to spend the entire afternoon reading ...
by littlebird
Sun Oct 19, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 24
Views: 1624

Re: Headed for a 300+ point loss today?

Based on his writing above, I have no idea what he is saying, so no way to take his advice even if I were so inclined. Generally a good policy. In case you actually care here's an explanation: This is a point and figure chart for the S&P 500: http://i.imgur.com/XvvWrQn.png?1 In this case the ma...
by littlebird
Wed Oct 15, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27757

Re: Maximum Number of Medicare Hospital Days

I wouldn't worry about this too much. Most people who are in the hospital more that a week or two get sent to Rehab or to a nursing home if they continue to need actual medical care. Nobody is kept in the hospital very long unless they're very rich and then hospital is hoping for a bequest. see: htt...
by littlebird
Wed Oct 15, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Maximum Number of Medicare Hospital Days
Replies: 10
Views: 732

Re: Treasury Bonds falling through the floor

Munir wrote:Good day to sell bond funds and buy equity funds- also called rebalancing (or is it market timing) ? :happy


I'm going to do it a few minutes before market close unless there's a rebound, and I call it "opportunistic re-balancing".
by littlebird
Wed Oct 15, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1393

Re: Shed into gym?

Find out from your county or city planning and zoning office which auxiliary buildings and uses are legal on your property. This varies a great deal by location and I would not proceed with any plumbing or electrical work without this.
by littlebird
Mon Oct 13, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Shed into gym?
Replies: 23
Views: 2008

Re: Relocating to a tax free state with good weather need ad

I suggest South Carolina. i don't know if tax free The weather is pretty hot and muggy here from about May through September, though. About once every two years we get a major snowfall or ice storm in the Upstate. Hurricanes? Tropical storms? My friends in coastal S.C, have been evacuated or advise...
by littlebird
Mon Oct 13, 2014 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3606

Re: Credit Card Issue

I'm also not familiar with any CC's that call you when they detect fraud. In fact, I wouldn't want them to call me. If they call me and ask for personal information to confirm the account then it is probably a scam. If I swipe my card, see it isn't working, and then call them I know I have the righ...
by littlebird
Mon Oct 13, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Issue
Replies: 26
Views: 1820

Re: What Do You Keep In Your Bank Safe Deposit Box?

. If one needs something to happen fast after their death, they probably need some kind of different legal instrument/arrangement than a will. That's true, but unfortunately some people put their wishes re funerals, burial vs. cremation, other types of burial wishes in their wills which are not see...
by littlebird
Mon Oct 13, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2550

Re: What Do You Keep In Your Bank Safe Deposit Box?

I bonds, birth, divorce and marriage certificates, discharge papers, h.o. insurance, car title, deeds, title insurance, photos of interior of (old, have to re-do that for new) house, passports.
by littlebird
Mon Oct 13, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2550

Re: Another real estate question/selling Manhattan coop

New York co-ops are a unique and rarefied topic. New York neighborhood forums, friends, co-workers, neighbors, families of the preceding, in other words, local networks, would be the best source of information on dealing with this type of situation. Since such apartments are expensive, this may be a...
by littlebird
Mon Oct 13, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Another real estate question/selling Manhattan coop
Replies: 4
Views: 427

Re: What Do You Keep In Your Bank Safe Deposit Box?

Our wills, POAs, Health care POA, advanced directives, the deed to our house. A short list of info for locating our assets and insurance. Health care directives should be as widely disseminated as possible among your doctors, local hospital, family members, not locked away in a s.d. box, which may ...
by littlebird
Mon Oct 13, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2550

Re: Sale of house-closing tomorrow, buyer is backing out

One of the purposes of earnest money is to roughly compensate you for just this type of problem, Use the money to lower the price. Now it's a better deal and might sell quickly. Best wishes on your marriage. :beer
by littlebird
Mon Oct 13, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5036

Re: What have you done to cut costs this year?

Nothing. Having LBMM most of my life, I have now reached the age and degree of financial comfort where I am willing to increase my comforts, conveniences and pleasures while I'm still above ground.
by littlebird
Sun Oct 12, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8026

Re: Credit Card Issue

The standard for good phone customer service has to be Discover. They seem to be well trained, speak good English and are courteous and friendly. These Chase people seem to be a bunch of idiots. Maybe the second string is in on Sunday? . I think you can have good and bad experiences with all financ...
by littlebird
Sun Oct 12, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Issue
Replies: 26
Views: 1820

Re: Do you every turn your smart phone off?

Tycoon wrote:I've never owned a "smart phone", so I guess I've never had to turn one off.


Do you have an I-pod touch? You could turn that off every night. :D
by littlebird
Sun Oct 12, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1889

Re: Need Help Responding to Debt Collector (for invalid requ

Were you up-to-date on all payments, fees, etc. up to the date of the quitclaim deed?
by littlebird
Sun Oct 12, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Need Help Responding to Debt Collector (for invalid request)
Replies: 11
Views: 962

Re: Retired and end of month checking account balance?

I aim for $5000. Now that I've replaced a 15 year old car with a new one, I might lower that amount, but I also own a seasonal rental, in addition to my home, so I won't go too low.
by littlebird
Sun Oct 12, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 1838

Re: Calculating RMDs

The way I understand it, is the age used for calculation (either yours or your spouses) is the age as of their birthday in the year you are taking the distribution. So, for example, the distribution taken in 2014 would be based on your age on your birthday in 2014 and same with your spouse, their a...
by littlebird
Sat Oct 11, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating RMDs
Replies: 14
Views: 1433

Re: Relocating to a tax free state with good weather need ad

State taxes are often income taxes, sales taxes, property taxes, and/or inheritance taxes. Choose carefully. It also depends on what public services are important to you. Your decision should be broadly focused if the aim is tax free. Alaska has good weather, sportsmen love it in the summer. If you...
by littlebird
Sat Oct 11, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3606

Re: Relocating to a tax free state with good weather need ad

I am wondering why many people move to Florida in retirement, not to Las Vegas. I think Las Vegas also has no income tax, has warm weather in summer. (I have not been there in winter yet). There's a huge population mass only a couple of hours flying time north of Florida, most of whom have large nu...
by littlebird
Sat Oct 11, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3606

Re: When people put all their eggs in the wrong basket

People talk about selling and then getting in on class action lawsuits If you got about 15% of your losses back I think you did much better than average. I have received settlements from three of these lawsuits and my recovery ranged from less than 1% of my loss to about 5%. The lawyers always got ...
by littlebird
Sat Oct 11, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 213
Views: 19716

Re: Cost of Pest Control Services

Background -- I live in the desert and critters here are, while not numerous, potentially toxic, ie., black widows and scorpions. It's necessary to be free of small insects, or these predator types will follow them inside. So while I'd much rather not have to avail myself of the services of a pest ...
by littlebird
Fri Oct 10, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Cost of Pest Control Services
Replies: 9
Views: 989

Re: Bank Blackmail? [Credit Card Upgrade]

Too many people here (like me today) have nothing better to do with their time than to sit and read all these ridiculous posts and their replies and perpetuate the issue. :annoyed Haven't you (we) something more important or valuable to do with your/our time? I don't find these posts ridiculous at ...
by littlebird
Fri Oct 10, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Blackmail? [Credit Card Upgrade]
Replies: 22
Views: 1703

Re: Medicare Advantage to T Medicare plus supplement

" I choose what docs to go to and when, with no-ones permission required. With My Medicare Advantage plan I can go to any doctor that accepts Medicare with no referrals. How is that different than yours? plannerman That sounds like a great Medicare Advantage plan! What does it cost above regul...
by littlebird
Thu Oct 09, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to T Medicare plus supplement
Replies: 17
Views: 788

Re: Medicare Advantage to T Medicare plus supplement

My insurance agent thinks I'm nuts to consider anything but the cheapest MA plan available. What's his or her reasoning for that? I didn't even consider a MA plan. After my experience with United HealthCare running my employer's plan, I didn't want anything to do with an insurance company making de...
by littlebird
Thu Oct 09, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to T Medicare plus supplement
Replies: 17
Views: 788

Re: Cost of Pest Control Services

Thanks everyone. There's enough daylight between what I've been paying and what posters have been paying that I guess I'm going to have to be willing to get more frequent service to make up for their shortened visits. I'll also ask if they offer a "premium" extended service comparable to t...
by littlebird
Thu Oct 09, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Cost of Pest Control Services
Replies: 9
Views: 989

Re: Retirees only, what was you average investment return?

I see no purpose in tracking "my" average investment return, except possibly to encourage competitiveness with myself and with others. Vanguard tells me what the rate of return is on each of their funds and I can take action or not based on their report. What I do track, because that numbe...
by littlebird
Wed Oct 08, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3330

Re: Schwann's, Tasty Bite?

I happened upon this while searching for something similar :

https://my.momsmeals.com/members/BrowseMeals.aspx

I've not tried it. You might want to search for "review" or "opinions" and the name.
by littlebird
Mon Oct 06, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Schwann's, Tasty Bite?
Replies: 4
Views: 702

Cost of Pest Control Services

Background -- I live in the desert and critters here are, while not numerous, potentially toxic, ie., black widows and scorpions. It's necessary to be free of small insects, or these predator types will follow them inside. So while I'd much rather not have to avail myself of the services of a pest c...
by littlebird
Mon Oct 06, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Cost of Pest Control Services
Replies: 9
Views: 989

Penfed CDs up rates

Looks like Penfed CDs are inching up a bit. 5 year = 2.100%
by littlebird
Thu Oct 02, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3007

Re: Replacing Some, not all, Windows in House

grettman wrote:Hi,

First time poster here. I have enjoyed reading the forum for the last several months as a troll. .


I think what you mean is a "lurker".
by littlebird
Mon Sep 29, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Replacing Some, not all, Windows in House
Replies: 15
Views: 1207

Re: Replacing Some, not all, Windows in House

More important than the windows matching within a room - mis-match indoors can often be disguised by window decor - is that they match when viewed from the outside. No one can see the front and back of a house simultaneously (I don't think), so 1 type of window in front and another in back would be ...
by littlebird
Mon Sep 29, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Replacing Some, not all, Windows in House
Replies: 15
Views: 1207

Re: Will Investment Returns Ever Revert to "Normal"?

I think they ARE normal. When we retired 26 years ago, my back of the envelope calculations, based on a little reading, was an approximate average total return of 10% for stocks and 5% for bonds over the previous 60 years. These are the numbers we plugged into our decision of whether we could retir...
by littlebird
Sun Sep 28, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4467

Re: Will Investment Returns Ever Revert to "Normal"?

I think they ARE normal. When we retired 26 years ago, my back of the envelope calculations, based on a little reading, was an approximate average total return of 10% for stocks and 5% for bonds over the previous 60 years. These are the numbers we plugged into our decision of whether we could retire...
by littlebird
Sun Sep 28, 2014 1:31 am
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4467

Re: Stubbornly Non-Boglehead Husband. What To Do?

The real issue with losing $500k in a month is that nothing really crazy has happened lately... How much is he betting to lose that much? What happens if the market (or whatever stock he's betting on), or gold really crashes next month? I mean he lost $500k, and gold hasn't moved that much in any s...
by littlebird
Thu Sep 25, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7798

Re: Stubbornly Non-Boglehead Husband. What To Do?

puissant wrote:

[*] Talk to a lawyer to see if there are ways to protect some assets from him and, particularly, any creditors from bets based on margin etc. .


."


I second this. I think your risks are NOT limited to the amount he has invested. Creditors are not bound by your agreements .
by littlebird
Wed Sep 24, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7798

Re: Contractor/Employee

If you are saying that this pertains to events that took place between '76-79 or '79-82, then yes, far too much time has passed. Every cause of action has a "statute of limitations". None are 30 years long.
by littlebird
Mon Sep 22, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contractor/Employee
Replies: 13
Views: 863

Re: How to clean an acrylic tub?

Sagenick48 wrote:Scrubbing Bubbles. It shines like new.


My cleaner uses this. It makes the acrylic tub look great. I don't know how much elbow grease she has to put into it, and I find it makes the tub bottom slippery, so I use a towel to stand on when showering.
by littlebird
Mon Sep 22, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 1212

Re: Biggest discretionary expense in retirement?

26 years ago it was travel. Now it's home health care for my spouse; some of it to help stabilize his condition, some to relieve the burden on me. None of it is paid for by Medicare or our former employer supplementary insurance. More will be needed eventually. We are fortunate enough that we can m...
by littlebird
Mon Sep 22, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 2990

Re: Biggest discretionary expense in retirement?

26 years ago it was travel. Now it's home health care for my spouse; some of it to help stabilize his condition, some to relieve the burden on me. None of it is paid for by Medicare or our former employer supplementary insurance. More will be needed eventually. We are fortunate enough that we can m...
by littlebird
Mon Sep 22, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 2990

Re: Biggest discretionary expense in retirement?

26 years ago it was travel. Now it's home health care for my spouse; some of it to help stabilize his condition, some to relieve the burden on me. None of it is paid for by Medicare or our former employer supplementary insurance. More will be needed eventually. We are fortunate enough that we can ma...
by littlebird
Mon Sep 22, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 2990

Re: Retiree Poll: Do you own your primary residence?

Yes! In the desert, owning a home, even on a large lot, is as labor-free as a condo; no snow to shovel, no lawn to care for, desert plants almost care free, Twice a year I get a yard guy in to blow off the little bit of leaf litter and neaten up a few shrubs. That's it for a whole year of yard work!...
by littlebird
Sun Sep 14, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1624

Re: Help with annuity questions

Call the insurance company that sold/manages the annuity. They will tell you what the options, if any, are and how to proceed.
by littlebird
Sat Sep 13, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with annuity questions
Replies: 14
Views: 1151

Re: Estate Planning & investing

Choose the person whom you think has the physical, emotional and logistical resources to raise your children to adulthood as their *guardians*. Choose the person whom you think has the temperament to husband your estate and pay it out in a thoughtful and balanced manner to be the *trustee* of the tr...
by littlebird
Sat Sep 13, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning & investing
Replies: 10
Views: 1058

Re: Kindle

In addition to any library to which you have or can get access: go the Amazon's e-book page. On the left, choose a type of book you'd like to read. On the upper right, there's a small "sort" box. Sort by : "price, low to high". At least in the categories I favor, the lowest price...
by littlebird
Thu Sep 11, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kindle
Replies: 15
Views: 1371

Re: Anyone moved from NY?

I miss New YorkERs. But the easy and inexpensive living and low stress more than makes up for it. Not to mention the weather!
by littlebird
Tue Sep 09, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Anyone moved from NY?
Replies: 43
Views: 2971

Re: POLL: Has a financial firm made a mistake with your mone

In a long life, I've had many. The most egregious was when a a highly respected N.Y. business bank, (with a rhyming nickname) now defunct, had a theft (so they told me) of a bag of checks being delivered to the (then) clearinghouse. One of them was a check I had deposited from my client, to whom I o...
by littlebird
Sun Sep 07, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2749

Re: Couples of diff ages: how do you handle asset allocation

With a large age difference, we use the younger spouse's age for our calculations on the theory that she needs to provide for those years no matter when the older spouse leaves the building.
by littlebird
Sun Sep 07, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Couples of diff ages: how do you handle asset allocations?
Replies: 13
Views: 1191

Re: Do I Even Need a Trust?

To me the main reason we have a revocable trust is so the survivor (or only abled one) of us can dependably have a co-trustee, and then a successor trustee, in very old age.
by littlebird
Thu Sep 04, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 2005
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