Search found 275 matches

Return to advanced search

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: 2235

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: 5315

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: 5315

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: 416

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: 4661

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: 3282

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: 503

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: 112
Views: 9976

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: 4213

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: 4737

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: 830

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: 77
Views: 3890

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: 3091

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: 7245

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: 2298

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: 2123

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: 358

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: 9262

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: 9262

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: 2966

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: 2966

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: 932

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: 2760

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: 2966

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: 1528

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: 541

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: 5855

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: 3343

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: 860

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: 16490

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: 1984

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: 1984

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: 1984

Re: Q about exposed mass emailing addresses

Introduce your correspondent to the concept of "Bcc".
by littlebird
Fri May 23, 2014 1:19 am
 
Forum: Personal Consumer Issues
Topic: Q about exposed mass emailing addresses
Replies: 3
Views: 419

Re: Convince me to choose a Suburban over a Sequoia

In my experience, what you have read is true. Unless you need it for towing, I would NOT recommend a Suburban. I would accept whatever compromise is necessary to buy a Toyota of some kind.
by littlebird
Sat May 17, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4336

Re: Spending on Cars in Retirement

One of the many delights of retirement was to divest ourselves of the responsibility of maintaining a second car. We bought a house across the street from one of our development's huge recreation centers, so that if one of us was using the vehicle the other still had a multitude of resources. The or...
by littlebird
Fri May 16, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending on Cars in Retirement
Replies: 47
Views: 2957

Re: what had biggest impact on your financial success?

Luck. Lucky to be born at a time and in a place that provided good elementary and secondary education to working class kids and then, with good enough grades, a free college education. At a time when most companies provided free or nearly free medical insurance and no- or low- cost pensions. When an...
by littlebird
Fri May 16, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: what had biggest impact on your financial success?
Replies: 57
Views: 4170

Re: A Short Survey for Retirees

Peter Foley wrote:While I enjoy the free time, winters in Minnesota are just plain boring.


That's what Arizona is for.
by littlebird
Sat May 03, 2014 1:21 am
 
Forum: Personal Consumer Issues
Topic: A Short Survey for Retirees
Replies: 73
Views: 5357

Re: Detached Townhome vs. Single Family Home Costs

. With your own home you decide, you are in charge. You can control the costs to a greater extend. Perhaps you will eventually decide to mow your own lawn, perhaps not. Apples versus Oranges - which is better? And by the same token, your neighbor also gets to decide. Perhaps he'll decide to store a...
by littlebird
Tue Apr 29, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Detached Townhome vs. Single Family Home Costs
Replies: 24
Views: 2693

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: 16996

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: 16
Views: 1318

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: 36
Views: 3320

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: 11867

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: 11867

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: 10119

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: 46
Views: 5786

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: 62
Views: 2903

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: 2438
Next

Return to advanced search