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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: 1577

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: 13
Views: 841

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: 1007

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: 1351

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: 2797

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: 2636

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: 1159

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: 1951

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

Penfed's 1 year up a bit also today. 1.05%, up from .80%. Not sure about longer maturities; I only follow the 1 year right now.
by littlebird
Wed Sep 03, 2014 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3301

Re: Trip to the Caribbean - Suggestions

I'll chime in with a couple good points about my home Island of Aruba - it's very easy to get around, and it is VERY safe, especially compared to the rest of the Caribbean Natalee Holloway. Let me guess, you watch a lot of cable news? No, actually. I got rid of my television several years ago. You'...
by littlebird
Tue Sep 02, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 2589

Re: Alzheimer's and Prenup

Current financial situation: 1. We have 2 homes (one was just listed for sale) of which we both paid half and share capital improvement expenses, utilities, taxes, etc. Both are titled in Joint Tenancy. Daisy Dog I would do whatever is necessary to de-list the house before you receive a possible fu...
by littlebird
Tue Sep 02, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's and Prenup
Replies: 20
Views: 2970

Re: Determining who makes it past age 90?

My grandma just recently passed. She may have been an exception. She was 96, skinny, didn't exercise, and had an average diet - not super healthy. But, she volunteered at the local hospital until she was 91 and couldn't drive anymore. Her calendar was way busier than mine :happy she never sat aroun...
by littlebird
Tue Sep 02, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1907

Re: Once your house appreciates +$250k, sell it?

Why would you buy a more expensive house? You would trade your 500k house for another 500k house. That would require being able to find an equivalent house for 500K. That sometimes can be done but not always, also even if you were able to find another house for 500K you will now be paying the mortg...
by littlebird
Tue Sep 02, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3652

Re: Paper or plastic?

[quote="dm200[If you are old enough], what did you do before there were grocery single use plastic bags?[/quote] Not sure if you mean 1) What did we do to carry groceries, or 2)what did we do to contain garbage? for 1 - paper sacks with or w/o handles for 2 - we lined kitchen garbage pails care...
by littlebird
Tue Sep 02, 2014 1:20 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2832

Re: Costco:is it worth it for just two people?

If you're considering joining, you're probably in the early part of retirement where horsing around huge packages off of stacks into cart, out of cart onto check out belt, out of cart into car, out of car into house is not a problem. We enjoyed the recreational aspects of first Price Club, then, les...
by littlebird
Mon Sep 01, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 10922

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

One of my main points is it hard to get a large profit out of a variable annuity without getting killed on taxes. Remember profit must come out first and is taxed as income. Not true. In annuitization phase, payouts are pro-rated between return of principle and earnings. Tax is paid only on earning...
by littlebird
Sun Aug 31, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2446

Re: S&P500 over 2000

So who is selling equities and buying bonds to re-balance their portfolio? Excellent question. VFINX - S&P 500 Index's trailing 12 month TOTAL return is 22.41%. http://performance.morningstar.com/fund/performance-return.action?t=VFINX&region=usa&culture=en-US $10,000 invested 50/50 VFIN...
by littlebird
Tue Aug 26, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5416

Re: S&P500 over 2000

Leeraar wrote:
js12337 wrote:So who is selling equities and buying bonds to re-balance their portfolio?

Me.

In November of 2013, and three weeks ago.

L.


- and me. 3x in 2013 and 2x so far this year. Hoping to do it again in Q4
by littlebird
Tue Aug 26, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5416

Re: Haitian Cotton-how to clean economically

Many years ago when I had Haitian cotton recliners, I used foam type upholstery cleaner from pressurized cans with great success.
by littlebird
Mon Aug 18, 2014 1:16 am
 
Forum: Personal Consumer Issues
Topic: Haitian Cotton [couch]-how to clean economically
Replies: 4
Views: 421

Re: What was Underestimated\Overestimated in Retirement

over the course of a so far 28 year long retirement, many things have changed. The only major surprise is how well we did financially, thanks to our LBYM lifestyle (admittedly stretched a bit in early retirement) and the great bull market. We had thought that we might have to work part time, but a m...
by littlebird
Sun Aug 17, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 4697

Re: Pressure Cookers?

I'm sure they've fixed this problem by now but . . . after using my 60's era pressure cooker ( got it as a premium for opening a bank account!!) for many years, I treated myself to a new "upgraded, updated" expensive Italian one about 20 years ago. Instead of the jiggling weight on a point...
by littlebird
Sat Aug 16, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3342

Re: Removed Deck, New Patio, exposed ugly foundation - how t

Stucco. Tinted or plain. No need to clean surface.
by littlebird
Thu Aug 14, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Removed Deck, New Patio, exposed ugly foundation - how to ma
Replies: 7
Views: 514

Re: Attitudes toward inheritances.

Just something to think about: the institution of "probate" (proving the elements of a will and its distribution in front of a judge) was developed a long time ago in response to the eternal human propensity to act badly when "free" money is involved. Taking steps while living to...
by littlebird
Fri Aug 08, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 10775

Re: Your Favorite charity organization...? please

My local community fund; my state-wide public interest law firm; my out-of-state (public) alma mater; International Rescue Committee.
by littlebird
Fri Aug 08, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4289

Re: How do you address your inlaws and being addressed?

My in-laws called EACH OTHER Mother and Daddy.
by littlebird
Fri Aug 08, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4758

Re: Kitchen Aid Folks - I need your help!

Unless you're handy and willing, make sure there's a small appliance repair shop within your acceptable driving distance; there are few of them now. These machines are NOT what they were when their reputations were built and will likely need repair/adjustment within a very few years of light use, if...
by littlebird
Sat Aug 02, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Aid Folks - I need your help!
Replies: 7
Views: 834

Re: Genealogical research for unclaimed property

Have you researched the LEGAl issues involved as well as the genealogical ones? Just because the disclaiming beneficiary later names his own beneficiary doesn't make the latter beneficiary the beneficiary of the disclaimed money. When someone disclaims, the estate generally goes to the person(s) who...
by littlebird
Thu Jul 24, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 87
Views: 4621

Re: Will not using my dishwasher cause problems?

Why not run it once a year or so to keep things lubricated.
by littlebird
Wed Jul 23, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 3118

Re: How much do you spend on your hobby annually?

Pretty much nothing. When I worked, I made my own clothes, including coats and suits, so I'm pretty sure that was a net plus. Now my only remaining hobby is reading, but I almost never buy a book (except for a very occasional used paperback). Just lately it's becoming harder for me to load up a week...
by littlebird
Sat Jul 19, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7377

Re: Tenant request lease agreement is named in LLC?

Remember what 'LL" stands for: limited liability.
by littlebird
Fri Jul 18, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenant request lease agreement is named in LLC?
Replies: 17
Views: 2305

Re: Selling RV Abroad & Bringing Cash Home

Have they established that such a sale would be legal in the countries being contemplated?
by littlebird
Mon Jul 14, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling RV Abroad & Bringing Cash Home
Replies: 23
Views: 2128

Re: Opinions/experiences Saatva mattresses?

You don't just want to "see" the product; you want to lie down on it, roll over on it, and rise from it. You will be spending up to 1/3 of your life on it for the next several years. Do you really want to (at best) save a few bucks to buy this without at least a few minutes trial? Will the...
by littlebird
Sun Jul 06, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Opinions/experiences Saatva mattresses?
Replies: 3
Views: 374

Re: do you lie about your finances to friends

In my (senior) circle, lying about finances is a non-issue. The real issue is: do you lie about your health? How are you? Fine. (Actually "you" may be having serious cardiac and pulmonary issues, being treated for prostate cancer and about to start treatment for macular degeneration) Do yo...
by littlebird
Tue Jul 01, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 9475

Re: do you lie about your finances to friends

Then there is the round robin, where family member and family trusts pass the house around. I always figure someone was going for bankruptcy and wanted to stash the house with someone else until it was over. Or some (or all) are approaching $250,000/500,000 capitol gains exemption and "sell&qu...
by littlebird
Tue Jul 01, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 9475

Re: Contractor Messed up

I bet popcorn ceilings are gone for good too. Not from my house they're not. When builders stopped hiring skilled drywall installers and started using "laborers" to install ceilings, the resulting visible tape and nail pops were truly revolting. "Popcorn" ceilings were developed...
by littlebird
Fri Jun 27, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2979

Re: Contractor Messed up

I bet popcorn ceilings are gone for good too. Not from my house they're not. When builders stopped hiring skilled drywall installers and started using "laborers" to install ceilings, the resulting visible tape and nail pops were truly revolting. "Popcorn" ceilings were developed...
by littlebird
Fri Jun 27, 2014 12:04 am
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2979

Re: Does Vanguard offer money wire option toward a title com

Depending on exactly what assets, you might want to begin selling right now so you're not faced with selling into a crash. As someone who was the seller of a house that actually closed (the buyer had done what ogd recommended) on Oct. 20, 1987, (see if necessary: http://en.wikipedia.org/wiki/Black_...
by littlebird
Thu Jun 26, 2014 2:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard offer money wire option toward a title company
Replies: 17
Views: 948

Re: Am I Nuts?

I don't think you're nuts at all, but I would advise living in the house for a while before making any alterations. :sharebeer
by littlebird
Thu Jun 26, 2014 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2765

Re: Contractor Messed up

- . She says she'd rather live with what she has and wait for it to come back into style than buy the stuff they're pushing now. In the meantime the investment money I would have spent keeps earning more. Love my wife. I finally lived long enough to see my original kitchen color come back in style....
by littlebird
Thu Jun 26, 2014 1:43 am
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2979

Re: ioniser fan

I hope you've done some 3rd party research on this type of product. Consumer Reports doesn't think much of them. Read a court case; scroll down the page. http://en.wikipedia.org/wiki/Air_ioniser
by littlebird
Mon Jun 23, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: ioniser fan
Replies: 1
Views: 264

Re: Do frozen fruits have to be washed?

When it comes to "pre-washed" veggies for my salads, I always wash them again. Interested to see other responses I don't bother and eat about 5 salads a week made from bagged baby spinach, cherry/grape tomatoes, carrots, craisens, blueberries, raw mushrooms, nuts, and a 1/2 c of leftovers...
by littlebird
Sun Jun 22, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Do frozen fruits have to be washed?
Replies: 17
Views: 1538

Re: Renting my condo - need tax advice (esp depreciation)

Get yourself one of these: Every Landlord's Tax Deduction Guide, Nolo Press
by littlebird
Fri Jun 20, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting my condo - need tax advice (esp depreciation)
Replies: 4
Views: 543

Re: With no children, who will take care of my finances?

The way I see the need for services for the elderly, I divide them into the following (feel free to add) 1. Financial - tactical (day-to-day finances, pay bills, deposit income, manage w/d) 2. Financial - Strategic (optimize taxes & file, investment/portfolio management, withdrawal/conversion s...
by littlebird
Sun Jun 15, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 5916

Re: Question about structuring Co-ownership of a house

It's not possible to structure anything so that the best possible result obtains from any number of worst cases. Experience teaches that keeping it simple will probably give the least bad results in a situation rife with worst case scenarios. I would advise either you and your wife own the house and...
by littlebird
Wed Jun 11, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about structuring Co-ownership of a house
Replies: 8
Views: 615

Re: HOA questions

Run for the Board
by littlebird
Fri Jun 06, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA questions
Replies: 43
Views: 3345

Re: American Made Wind Up Alarm Clock

Thanks, I am currently using one that looks just like that; it is made in China. I personally find it fascinating that we can send men to the Moon and beyond, but are not able to manufacture a simple, windup, and dependable bedside alarm clock. We are able to manufacture it. What we are not able to...
by littlebird
Sun Jun 01, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: American Made Wind Up Alarm Clock
Replies: 9
Views: 886

Re: The in-laws are broke!

Her pension election was for her lifetime only. I'm not absolutely positive, but I believe he would have had to sign off on this. I know I did. Perhaps they have made some other provision for him. Perhaps that's what the VA is for (or could be made to be). That's exactly what we did, and with a Van...
by littlebird
Tue May 27, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16514

Re: over 55 communities

My parents looked into one of these communities and decided against it after spending the weekend with friends who live at one. My dad is a tinkerer - likes to work on cars, motorcycles, usually has several projects going at once - and they figured the HOA and neighbors might not take too kindly to...
by littlebird
Tue May 27, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: over 55 communities
Replies: 16
Views: 1993

Re: over 55 communities

and said "buy it and you can rent these out for $3K a month - it would pay for itself - - but the thought of outlaying money and being a landlord long distance is not what I call a peaceful retirement. Ok, sorry to be so scattered, but my thoughts are scattered on the whole retirement thing. I...
by littlebird
Tue May 27, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: over 55 communities
Replies: 16
Views: 1993

Re: over 55 communities

A conversation that I had about 10 years ago with a guy who had lived in Sun City (AZ?) and moved to Indianapolis stuck with me. The sound of ambulances everyday got to him. Absurd. The sound of ambulances in the Sun Cities of Arizona is a very rare event, associated only with an occasional serious...
by littlebird
Mon May 26, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: over 55 communities
Replies: 16
Views: 1993
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