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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: 15
Views: 450

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: 6925

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: 2126

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: 2086

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: 343

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: 8880

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: 8880

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: 2954

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: 2954

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: 906

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: 2730

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: 2954

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: 255

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: 1496

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: 532

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: 5702

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: 602

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: 3326

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: 839

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: 16175

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: 1924

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: 1924

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: 1924

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: 418

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: 4038

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: 2899

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: 4136

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: 5303

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: 2593

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: 16828

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: 1251

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: 3194

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: 11205

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: 11205

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: 9985

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: 4601

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: 2790

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: 2421

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: 103
Views: 12741

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: 1465

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: 6003

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: 348

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: 1376

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: 1376

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: 2467

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: 622

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: 362

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: 711

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: 3358

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: 377
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