Search found 1165 matches

by littlebird
Tue Aug 22, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Draperies or Honey Comb Shades/Blinds?
Replies: 27
Views: 1910

Re: Draperies or Honey Comb Shades/Blinds?

Has anyone ever tried wooden shutters inside the room? http://www.theshutterstore.com/ etc. Yes, I have plantation shutters in my current house. They were in the house when I bought it. They're pretty standard in my development for slightly more upscale houses; something like stainless appliances, ...
by littlebird
Tue Aug 22, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 4850

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

Good! That's what I've been doing all along. Largely boycotting sites that make it too difficult to follow my protocol.
by littlebird
Tue Aug 22, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: animal stuck in dryer vent?
Replies: 20
Views: 1652

Re: animal stuck in dryer vent?

mouses wrote:
Tue Aug 22, 2017 1:05 pm
seashell wrote:
Tue Aug 22, 2017 12:45 pm

How do animals get in when there is a cover?
Mice can get through amazingly small spaces. Or is the cover solid? If so it must open when the dryer is in use.
There! You got it from the mouses mouth!
by littlebird
Mon Aug 21, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Seal off rooms that are not used?
Replies: 21
Views: 2806

Re: Seal off rooms that are not used?

I would not seal the room off. Good air flow is necessary for a house and if you seal it off I would fear over time you might have mustiness, mildew and possibly mold. This would be especially true in the hot, humid South where I live. We notice this too in rooms to which we keep the door closed. R...
by littlebird
Fri Aug 18, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Draperies or Honey Comb Shades/Blinds?
Replies: 27
Views: 1910

Re: Draperies or Honey Comb Shades/Blinds?

We had honeycomb shades for about 15 years in a desert sun and heat, but low-bug environment. We found them to be extremely good insulators, but in other houses we found drapes to be good insulators also. It really come down to your taste and preference for being able to take draperies down periodic...
by littlebird
Fri Aug 18, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 5453

Re: How useful is a home security system?

It's linked to our landline phone (which I needed for my home office), so it will dial the security company if triggered. We've mistakenly opened windows without disarming it, so I can attest that they really will call you and will send the police if there isn't an answer or they don't get the code...
by littlebird
Fri Aug 18, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Letter asking for estate information
Replies: 11
Views: 842

Re: Letter asking for estate information

Thank you all very much for your input. I don't know how to multi-quote so I hope you read this response. There was no obituary published in the newspaper. My attorney said it was not necessary, so I don't know where they got the information. I will file away the letter and ignore it until, or if, ...
by littlebird
Thu Aug 17, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2582

Re: popcorn ceiling, removal or drywall over it?

I think this house was cheap construction, so I do have a feeling the sheetrock work may not have been done well. It's a whole house job, excluding kitchen and bathrooms. Starting to think my guesstimate of 5k is low, it's a 1500sq ft house. Usually popcorn coating is used because it makes the dryw...
by littlebird
Thu Aug 17, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 2654

Re: quick estate question

Call the Motor Vehicle Dept. and ask how to handle the transfer of a car when an estate is not being probated.
by littlebird
Wed Aug 16, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Considerations
Replies: 57
Views: 4195

Re: Reverse Mortgage Considerations

In addition to the financial, there are life-style effects from having a reverse mortgage. An acquaintance and her spouse took out a RM to finance his stay in an an assisted living home. Now that he is gone, she would really be better off moving to a smaller place, likely a condo, with lower costs a...
by littlebird
Wed Aug 16, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 13
Views: 1470

Re: If you received robocalls from cruise lines

Fortunately we don't answer any calls from anyone we don't know -- and even then, often not. I am eligible for Medicare in January, 2018. Our phone is ringing off the hook with calls from various providers 30-40 a day, I would guess. I am this close to just shutting off the ringer and shunting all ...
by littlebird
Wed Aug 16, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 13
Views: 1470

If you received robocalls from cruise lines

You may be eligible to join a class action lawsuit. This one seems to have a more than nominal award. This Miami Herald article contains a link to check to see whether your phone # was on the relevant calling list:

http://www.miamiherald.com/news/nation- ... 31957.html
by littlebird
Wed Aug 16, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4533

Re: Best Housing To Avoid Noise

heybro wrote:
Tue Aug 15, 2017 5:06 pm
Senior Citizens: Don't they get up at the crack of dawn and blast their TVs? Also, don't they have the grand-kids over early mornings on weekends?
Not where I live, no.
by littlebird
Wed Aug 16, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4917

Re: Postal Service -- "informed delivery"

I've been signed up for a couple weeks and love it. Only issue is that I have a PO Box in addition to a residential mailing address. So far, I haven't been able to figure out how to set up informed delivery for both. I'm only getting scans of mail to my residential address; there doesn't appear to ...
by littlebird
Tue Aug 15, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4917

Re: Postal Service -- "informed delivery"

Thanx for the info. I was able to sign my P.O. Box up. I usually only go to get my mail there 1x a week, but this way I won't even have to go if there's nothing that needs attention. I get all my bills and financial mail there. I will give my daughter my password for this for when she might need to ...
by littlebird
Tue Aug 15, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6537

Re: Is $9000 too much for a sectional sofa ?

Yes, in a household which includes children who are allowed to eat and drink in the living room. If you choose that style of living and child-raising, you should keep your furniture appropriate to that style. Save the vulnerable luxury items until the kids are out of the house. Of course that doesn'...
by littlebird
Tue Aug 15, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Spending help: Best use for $800 per month ?
Replies: 18
Views: 1552

Re: Spending help: Best use for $800 per month ?

For me, some drop-in daycare so Mom could visit museums, socialize, etc. one to several times a week, combined with some take out food from NYC delis, cafes, Whole Foods or the like, would have been heaven when I was at that stage of life. Unless Mom has some debilitating medical condition, I can't ...
by littlebird
Tue Aug 15, 2017 12:58 am
Forum: Personal Finance (Not Investing)
Topic: trailer SUV combination for tyro
Replies: 11
Views: 1072

Re: trailer SUV combination for tyro

Many years ago, when we were first (early) retired we had a trailer/Chevy Suburban combo and loved it, but frankly, backing up a trailer/SUV combo is very different from backing up an SUV. And you say you're not even good at backing up an SUV. Most nice parks have long pull thru's, but many times ba...
by littlebird
Mon Aug 14, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 6903

Re: Retired Boglehead obsession with money- devil's advocate

Thats why you have a pool and build a ramp for your wheelchair. This way you can just roll yourself into the pool. Because in a nursing home at 14k or 3k you are still dead. I have family in both VA nursing home and one paying 12K a month. Both are just wasting away being kept alive by drugs from t...
by littlebird
Mon Aug 14, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 5453

Re: How useful is a home security system?

Do you have a security sign out front with the name of your security system? Current advice is to use either a generic sign (like from Amazon) or to trade signs with a neighbor who uses a different brand of security system.
by littlebird
Mon Aug 14, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 242
Views: 11416

Re: How far would you travel to see The Eclipse?

Surely this must be sarcasm. Well, it was a joke. You never know with some people on here saying that 95% is good enough for them when it wont really look any different than a normal day. Tone doesn't translate well over internet posts. Nor does the citation of archaic scientific articles with ambi...
by littlebird
Sun Aug 13, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 242
Views: 11416

Re: How far would you travel to see The Eclipse?

Put appropriate sized black disk in your direct view so that it will block the sun and you can have your own artificial eclipse any time you want! Actually, this idea was first presented in 1940 by Donald Menzel of Harvard College (It was a college at that time! It had NOT become a university yet),...
by littlebird
Sun Aug 13, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1695

Re: Tub/shower/bath cleaners...your recommended products?

lthenderson wrote:
Sun Aug 13, 2017 2:38 pm
littlebird wrote:
Sun Aug 13, 2017 1:31 pm
I have found that having a whole-house water softener makes bathroom cleaning a non-problem.
This and using liquid instead of bar soap.
Agree. And shower curtains, which can be taken down from time to time and thrown into the washing machine, instead of clear glass doors.
by littlebird
Sun Aug 13, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tax benefits when jointly owning home and how to take title.
Replies: 2
Views: 378

Re: Tax benefits when jointly owning home and how to take title.

You can only take depreciation on a rental property. Is this intended as a rental? Real estate ownership is governed by state law, but it's probably safe to say that if you take ownership as tenants in common with nothing more stated, you'll each be 33.3 % owners. If you want something different, yo...
by littlebird
Sun Aug 13, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Cap1 360 living trust account
Replies: 1
Views: 229

Re: Cap1 360 living trust account

There's extra work, responsibility - and room for errors - with a trust account. Can't really blame them for not wanting to handle all the paperwork long-distance. You may have to "settle" for an old-fashioned b&m bank.
by littlebird
Sun Aug 13, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Intellectual Life - Habits of Mind
Replies: 4
Views: 1390

Re: Intellectual Life - Habits of Mind

Do you not trust the Amazon reviews?
by littlebird
Sun Aug 13, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1695

Re: Tub/shower/bath cleaners...your recommended products?

Beyond soap film, which just about any product can remove, what is your recommended product for tough jobs (like mineral deposits)? I used to use this product that I can't find anymore and can't remember the name. If I describe it, hopefully someone will reply with the name and once I see it, I'll ...
by littlebird
Sun Aug 13, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6138

Re: Expect to spend $2.6M on healthcare?

It simply makes no sense. MANY people live on Social Security with hardly any savings. This verifiable fact would seem to be in direct contradiction to the assertion of multiple millions. ? I understand that Medicare is the American programme that pays medical costs in retirement? Social Security i...
by littlebird
Sat Aug 12, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 242
Views: 11416

Re: How far would you travel to see The Eclipse?

I will walk outside. We are within the 95%. I wouldn't drive with all the other lemmenings for such a minor event. Yes, what you'll see is a very minor event. I no longer walk outside to see partial eclipses, either. But totality is a spectacle; an awe-inspiring, mouth wide open, gasp-inducing, goo...
by littlebird
Fri Aug 11, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 242
Views: 11416

Re: How far would you travel to see The Eclipse?

When I was much younger my spouse, kids and I drove from the mid-Atlantic to Nova Scotia. It was an awesome experience (nothing at all like a partial, or even an annular), and is safely tucked away in my memory to be taken out and enjoyed all over again when a reminder occurs, as it has now.
by littlebird
Fri Aug 11, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Be aware of Project Fi phone buy service
Replies: 26
Views: 1816

Re: Be aware of Project Fi, Google sometimes is evil

Chatted with google...they overnight a replacement nexus 5x even though mine was out of warranty. Send the old one back...didnt have to pay a penny. And it sounds as though they trusted you to send the old one back after you received a new one. Page Plus refused to replace my inexpensive Moto E whe...
by littlebird
Fri Aug 11, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Be aware of Project Fi phone buy service
Replies: 26
Views: 1816

Re: Be aware of Project Fi, Google sometimes is evil

Chatted with google...they overnight a replacement nexus 5x even though mine was out of warranty. Send the old one back...didnt have to pay a penny. And it sounds as though they trusted you to send the old one back after you received a new one. Page Plus refused to replace my inexpensive Moto E whe...
by littlebird
Wed Aug 09, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: tax questions - how to gift my sons' annual IRA
Replies: 18
Views: 1304

Re: tax questions - how to gift my sons' annual IRA

How does funding their IRAs for them encourage them to save? Perhaps offer to match if they fund half?
by littlebird
Sat Aug 05, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Do I want a landscape architect? If not, what?
Replies: 8
Views: 851

Re: Do I want a landscape architect? If not, what?

Last time I was in Lowe's or Home Depot - admittedly a couple of years ago - there was still a huge display of large-format soft cover books filled with design ideas and photos of every type of home and yard project. Buy a few that pertain and see what you like. Then you can talk to some landscape c...
by littlebird
Sun Jul 30, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: What kind of cleaning service do you use?
Replies: 15
Views: 1578

Re: What kind of cleaning service do you use?

Today’s thread about happiness through outsourcing cleaning (among other things) reminded me that this is something our family continues to struggle with – we have tried different options over the years and still nothing we are satisfied with. Cost is not the problem, it’s finding the least inconve...
by littlebird
Fri Jul 28, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Phone number stolen
Replies: 41
Views: 2797

Re: Phone number stolen

I would file a complaint with the Federal Communications Commission, stressing the risk to your security by the refusal of the carrier to cooperate in reversing the theft of your phone #. I would also call my local police agency and ask if they have an identity theft unit, and in either case, find o...
by littlebird
Thu Jul 27, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 70
Views: 6921

Re: Best place to get eyeglasses / no vision insurance

Medical insurance will typically not cover simple vision exams. But if you go to the ophthalmologist and tell them your eyes feel a little dry sometimes, then that would be covered as a medical visit and you can get a glasses prescription at the same time. You can get it at the same time, but regul...
by littlebird
Wed Jul 26, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Question about buying Mom's condo & Medicaid eligibility
Replies: 11
Views: 913

Re: Question about buying Mom's condo & Medicaid eligibility

There is a 5-year "lookback" period when applying for Medicaid. This means that if she sells the condo now and has to go into a nursing home in a year or two, she'll have to account for the money the condo should have reasonably sold for. If she gave the money to you, or sold it to you at ...
by littlebird
Wed Jul 26, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 2579

Re: Where to move? New job, considering Nevada...

I would second the suggestion above for Phoenix metro instead of anywhere in Nevada. Your list of negatives for both Nevada sites is spot on. The Phoenix metro has nearly everything an unattached single could want. The one negative - hot summers - shouldn't affect a work-from-home non-commuter very...
by littlebird
Wed Jul 26, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Short term lease to home buyer
Replies: 32
Views: 1001

Re: Short term lease to home buyer

Before we signed with the agent he was all about how hot the market is. We listed, got lots of interest, got this offer above asking (since decreased by 2% in lieu of fixing some issues after an inspection bringing it back down to asking), got another offer significantly below asking, accepted this...
by littlebird
Wed Jul 26, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 2579

Re: Where to move? New job, considering Nevada...

I would second the suggestion above for Phoenix metro instead of anywhere in Nevada. Your list of negatives for both Nevada sites is spot on. The Phoenix metro has nearly everything an unattached single could want. The one negative - hot summers - shouldn't affect a work-from-home non-commuter very ...
by littlebird
Wed Jul 26, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6195

Re: Where to View Total Eclipse? - Kansas City

Eclipses are most enjoyable shared with other people. You won't need to be on site very long. Comfort should not be an issue. Concentrate on weather odds and flat terrain with open horizon in all directions; there will be phenomena all over the sky, not just where the sun is. Other people will notic...
by littlebird
Wed Jul 26, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Court wants inherited IRA liquidated and put into court blocked account
Replies: 18
Views: 2067

Re: Court wants inherited IRA liquidated and put into court blocked account

FWIW the bond struck me as insane. I think it was $14K on a $900K inheritance, although it covers the lifetime of the custodianship. Are you questioning the principle of a bond in a guardianship, or the cost? If the former, I can assure you that the requirement, like most requirements imposed on us...
by littlebird
Tue Jul 25, 2017 1:44 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 8352

Re: Anyone else extremely frugal?

forgot about this show...until now. Sharing The Bathtub | Extreme Cheapskates https://www.youtube.com/watch?v=saXtX7veXm0&index=9&list=RDisNkt6g4JgI I won't even point out the 1:25 point in the video.... Haha okay I didn't watch the whole video but did you see how dirty the water looked at ...
by littlebird
Mon Jul 24, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 35
Views: 2686

Re: Lifetime Tire Alignment

My experience is that Firestone does tires and alignments fine, but they continuously try to sell you on sometimes unnecessary maintenance and repairs. I usually DIY, so that typically doesn't work on me. This must vary by franchisee. I've been using Firestone for 25 years and have not had this at ...
by littlebird
Mon Jul 24, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Parents: CFP or Elder Law Attorney
Replies: 18
Views: 1614

Re: Helping Parents: CFP or Elder Law Attorney

My father who only has SS and a $100/mth pension and no assets needed the advice of an Elder Law specialist to maintain his benefits for poverty level Medicaid assistance. I admit to being curious as to what advice an Elder Law specialist gives to a person who only has SS and a $100/month pension a...
by littlebird
Sun Jul 23, 2017 1:10 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17864

Re: How are folks handling the unprecedented rise in the market ?

To someone who started investing in 1982 -- me -- this is hardly an unprecedented rise. And, nothing to do with the moderate rise, but I'm reacting by being more conservative, more risk averse and less optimistic than I've been since 1982. And I'm someone who always bought on RBDs, even well into re...
by littlebird
Sun Jul 23, 2017 1:02 am
Forum: Personal Finance (Not Investing)
Topic: NYT Medicaid Article
Replies: 16
Views: 2561

Re: NYT Medicaid Article

Not a whole lot of expertise on display.