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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: 1099

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: 1099

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: 4259

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: 4259

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: 7538

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: 7538

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: 856

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: 1158

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: 2920

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: 2920

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: 2920

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: 1604

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: 1124

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: 1043

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: 1356

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: 2932

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: 2647

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: 1182

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: 1958

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: 3356

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: 2632

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: 2989

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: 1915

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: 3697

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: 2880

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: 11853

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: 2475

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: 5445

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: 5445

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: 4705

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: 3352

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: 516

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: 10885

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: 4300

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: 4768

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: 4683

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: 3227

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: 7389

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: 2306

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: 393

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: 9608

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: 9608

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: 952

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: 2770

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
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