Search found 656 matches

by littlebird
Sat Feb 06, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Warning on Amazon Subscribe & Save
Replies: 44
Views: 4252

Re: Warning on Amazon Subscribe & Save

This does not change the nature of the practice, which is: Amazon apparently raises prices on some items prior to the subscription window, then lowers them again after the subscription items have shipped. The date on which you receive your shipment is entirely up to you. I chose the day after my cr...
by littlebird
Fri Feb 05, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Warning on Amazon Subscribe & Save
Replies: 44
Views: 4252

Re: Warning on Amazon Subscribe & Save

Every month before my Subscribe & Save shipment is mailed, Amazon emails me a list of everything I'll be receiving in that S&S shipment. It lists the price for each time, as well as the price I paid for the previous shipment. So I always compare the price vs my last shipment, and I cancel i...
by littlebird
Sat Jan 30, 2016 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: RMD (Required minimum distributions)
Replies: 17
Views: 1484

Re: RMD (Required minimum distributions)

jebmke wrote:
littlebird wrote:https://www.irs.gov/pub/irs-tege/uniform_rmd_wksht.pdf

I love that they have an entire form devoted to "divide by x"


You'd be amazed at how many people are terrified at the prospect of having to figure their own RMDs.
by littlebird
Sat Jan 30, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: RMD (Required minimum distributions)
Replies: 17
Views: 1484

Re: RMD (Required minimum distributions)

This is how the IRS expects you to do the calculation:

https://www.irs.gov/pub/irs-tege/uniform_rmd_wksht.pdf

edited 2/5/2016 to remedy nakedness
by littlebird
Tue Jan 19, 2016 11:36 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7932

Re: Retiring and people seem to aviod me

Here's an earlier, similar thread: viewtopic.php?f=2&t=61197 that might be of interest to you.
by littlebird
Mon Jan 18, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbors - retired, with low income, high home equity
Replies: 25
Views: 4100

Re: Neighbors - retired, with low income, high home equity

dm200 wrote: 2 story, 1 bath


This spells almost inevitable trouble for an elderly couple. I'm sure the 1 bath is upstairs. That means an injured/disabled spouse must stay up there and have everything hauled up by the other (elderly) spouse. They should be urged to get out now while they're still able to.
by littlebird
Sat Jan 16, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Really bad day?
Replies: 24
Views: 4204

Re: Really bad day?

Been through every one of these. The only one I recall specifically was Black Monday. It was ugly. I was a newly minted lawyer with a mortgage, a one year old, another on the way, a dog, and a stay at home spouse. We had a modest amount saved up and invested in a mutual fund. Panicked and sold a lo...
by littlebird
Fri Jan 15, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 7579

Re: I'm sitting here watching FOX Business...14200??

A bear market is 20% off the high so 14k would qualify. There are bear markets in times when there are no recessions so I wouldn't use that for any predictive value. After going thru 2000-2002 and 2008-2009, only getting to 14k doesn't seems that bad. I still have 20 years till retirement to make i...
by littlebird
Tue Jan 12, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads -- How much did you spend last year?
Replies: 60
Views: 5803

Re: Retired Bogleheads -- How much did you spend last year?

what possible action can anyone take from anyone's else's number. One can decide to move to a lower COL area when one see's what available out there. One can decide to loosen up the purse strings when one sees that one is spending much less than others when one can afford to spend more. I retired l...
by littlebird
Tue Jan 12, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads -- How much did you spend last year?
Replies: 60
Views: 5803

Re: Retired Bogleheads -- How much did you spend last year?

27 years into early retirement (the "no-go" phase). The last time I tallied up a whole year's spending was 3 years ago. It came up to approx. $33,500. We no longer travel, due to age and health reasons. Our retiree healthcare insurance is an indemnity policy. We pay the 20% medicare co-pay...
by littlebird
Tue Jan 12, 2016 12:09 am
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 8837

Re: How common is this [Have more money 10+ years into retirement]

28 years into early retirement. Regular and spousal S.S and a modest pension provides comfortably for us. We only withdraw for capitol purchases. Early in retirement drew down while waiting for S.S. and spent generously on U.S. travel. Moved to a much lower COL area. Allocation is age in bonds using...
by littlebird
Sun Jan 10, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 2672

Re: Alaska in July, first time RV

Was one of the books "Milepost"? If, not, it's a must: http://www.amazon.com/Milepost-2015-Kris-Valencia/dp/189215434X We don't have it yet, looks like a great one to get - thanks! Maybe we should wait until 2016 is out in March... Because of thawing ground (otherwise known as "mud&q...
by littlebird
Sun Jan 10, 2016 11:28 am
Forum: Investing - Theory, News & General
Topic: Setting retirement income floors as a way to increasing early SWR
Replies: 20
Views: 1602

Re: Setting retirement income floors as a way to increasing early SWR

Do they have long term care insurance? If not, they can't be sure $80,000/year will be enough from age 75 until death. One may need to go into assisted living or skilled nursing with the other still needing a home to live in. This will cost a lot more than $80,000/year. :(
by littlebird
Sat Jan 09, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 2672

Re: Alaska in July, first time RV

Was one of the books "Milepost"? If, not, it's a must: http://www.amazon.com/Milepost-2015-Kri ... 189215434X

Because of thawing ground (otherwise known as "mud"), summer is not the ideal time to RV Alaska, especially for a newbie.
More research needed.
by littlebird
Sat Jan 09, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bad health news, rethinking everything
Replies: 40
Views: 7162

Re: Bad health news, rethinking everything

I agree with the poster who advised not to make any hurried decisions. You're grieving. But something to think about that a lawyer and a doc can collaborate on (besides the baby), especially since money is not going to be a problem: a medical ethics practice. One or both can also have a side gig wit...
by littlebird
Sat Jan 02, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: B of A power of attorney vs joint account
Replies: 35
Views: 1890

Re: B of A power of attorney vs joint account

Pennsylvania also has laws on POA's that were updated 5-10 Years ago. In 5 years of a POA for my father, we never had a problem with a bank, insurance company, utility or other entity respecting the POA. I do have a retirement plan that required its own form accompany the POA upon submission. In pr...
by littlebird
Tue Dec 29, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: B of A power of attorney vs joint account
Replies: 35
Views: 1890

Re: B of A power of attorney vs joint account

So when your spouse resigned as trustee, this caused a problem with Vanguard? can you elaborate or link to the description of the issue? Yes. Our trust uses my SS#, since I am the usual facilitator. When he was one of the two trustees, the trust was considered his account as well as mine, I guess l...
by littlebird
Fri Dec 18, 2015 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: B of A power of attorney vs joint account
Replies: 35
Views: 1890

Re: B of A power of attorney vs joint account

Most (I think) states have adopted changes to law/regulation (I know my state of Virginia has) greatly expanding the use of PoAs and changing some of the provisions - even of existing PoAs. If you are getting the runaround or lack of cooperation from your bank, credit union or investment company, I...
by littlebird
Fri Dec 18, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: B of A power of attorney vs joint account
Replies: 35
Views: 1890

Re: B of A power of attorney vs joint account

In my ongoing saga of controlling our finances with a spouse whom I can reasonably anticipate will be completely disabled within a year or so, I am very thankful we arranged for a revocable trust for the purpose of on-going control of our affairs (and not to avoid probate) many years ago. Recently w...
by littlebird
Sun Nov 15, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Medical alert system for Mom (90)
Replies: 5
Views: 586

Re: Medical alert system for Mom (90)

This has speaker in pendent (I have one. It works):
http://www.amazon.com/gp/product/B0007U ... detailpage
by littlebird
Sat Nov 14, 2015 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Can I make a legal last will/testament by myself?
Replies: 52
Views: 4890

Re: Can I make a legal last will/testament by myself?

Cherokee8215 wrote:I made one myself using a Nolo book from the library. I basically re-typed one of the forms word-for-word, then edited it to fit my specifics. My finances are pretty simple though. We'll see what happens!


[OT comment removed by admin LadyGeek]
by littlebird
Fri Nov 13, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: How to Live Well
Replies: 11
Views: 3360

Re: Retirement: How to Live Well

Your link doesn't work without a subscription. My take on your excerpted quotation is that this is journalistic sensationalism encouraged and paid for by the insurance industry to extract more money out of people for dubious long term care policies based on self serving and twisted statistics. I'm ...
by littlebird
Fri Nov 13, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Water spots in my basement carpet
Replies: 6
Views: 454

Re: Water spots in my basement carpet

I assume this carpeting is glued down. I would carefully pull it up in the area where the spots have appeared. I can't imagine finding the cause without this preliminary step.
by littlebird
Tue Nov 10, 2015 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: How to Live Well
Replies: 11
Views: 3360

Re: Retirement: How to Live Well

Apparently no one here wants to talk about it either.
by littlebird
Sat Nov 07, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Going without Collision Coverage -- old car
Replies: 43
Views: 3826

Re: Going without Collision Coverage -- old car

There's a lot of incorrect information in this thread.

DO NOT take any action based on information so far in this thread, although someone knowledgeable may chime in later.

Best advice: speak to YOUR insurance agent/company about the issues you raise
by littlebird
Fri Nov 06, 2015 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who had hi salary and retired or semi retired young
Replies: 33
Views: 5121

Re: Question for those who had hi salary and retired or semi retired young

My question to those who have retired or semi retired young; do you find yourself regretting it? Do you wish you made just a bit more money to have more luxury in your life, like better vacations, fancier car, boat, etc? No. And No. The luxury of not getting up early and having one's days ordered b...
by littlebird
Thu Nov 05, 2015 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Getting brokerage house to allow an executor to close account
Replies: 17
Views: 1028

Re: Getting brokerage house to allow an executor to close account

Leaving no trace of ownership or that even an account existed. . Like poof? That's not possible. Brokers keep records. Tax information will be sent to the IRS and to your executor at the end of the year in which you die. Computers store records for much longer. Vanguard still had an old address of ...
by littlebird
Wed Nov 04, 2015 10:32 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Refrigerator to buy
Replies: 27
Views: 1729

Re: Best Counter Depth Refrigerator to buy

I can't answer any of your specific Q's, but I can tell you that I'm very happy with my Kenmore counter depth fridge, which is about 5 years old. No complaints so far (but I did have the ice maker removed prophylactically).
by littlebird
Tue Nov 03, 2015 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Feasibility and Action Plan
Replies: 9
Views: 1200

Re: Early Retirement Feasibility and Action Plan

Clearly, the more you can pare your expenses, the earlier you can retire. Do you really need $80K/year to live on? We live very well (by our lights) on less than half that, in a beautiful 2100+ sq ft house with a mountain view, in a desert community with all imaginable amenities. We no longer trave...
by littlebird
Tue Nov 03, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Feasibility and Action Plan
Replies: 9
Views: 1200

Re: Early Retirement Feasibility and Action Plan

Clearly, the more you can pare your expenses, the earlier you can retire. Do you really need $80K/year to live on? We live very well (by our lights) on less than half that, in a beautiful 2100+ sq ft house with a mountain view, in a desert community with all imaginable amenities. We no longer travel...
by littlebird
Fri Oct 30, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard variable annuity with gwlb rider
Replies: 8
Views: 924

Re: vanguard variable annuity with gwlb rider

When I bought my VVA, I examined the various riders and decided to buy just the pure annuity, except for one rider which came standard. When I was offered the option to divest that one and have a lower ER I did. I'm very satisfied with it; it gives me tax deferred space (which I had very little of) ...
by littlebird
Fri Oct 30, 2015 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question - What kind of professional do I need?
Replies: 6
Views: 519

Re: Tax Question - What kind of professional do I need?

Didn't you have the help of a lawyer when you were involved in this (unusual, at least to me) transaction? :?: I know I would have. That person would presumably understand the ramifications, if any, of this event and should be able to steer you to the most appropriate advisor.
by littlebird
Thu Oct 29, 2015 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Customer Protection Guarantee
Replies: 16
Views: 1549

Re: Fidelity Customer Protection Guarantee

through no fault of your own. As always with a guarantee, the devil is in the details. What does "no fault of your own" mean? Is there a fault of yours if your security software is 3 years old? If your browser is 5 years old? If you never run malwarebytes? If you gave your spouse your pas...
by littlebird
Tue Oct 27, 2015 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Palo Alto Medical Foundation ripoff - how to handle?
Replies: 36
Views: 2324

Re: Palo Alto Medical Foundation ripoff - how to handle?

jebmke wrote:
stoptothink wrote:the reset took all of 2sec, my out-of-pocket cost (am on HDP with HSA): over $600

I'd have done it for $300 plus a surcharge for the duct tape.


I did mine myself in the days before the internet. Now:

[OT medical advice removed by admin LadyGeek]
by littlebird
Tue Oct 27, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Palo Alto Medical Foundation ripoff - how to handle?
Replies: 36
Views: 2324

Re: Palo Alto Medical Foundation ripoff - how to handle?

Then they charged me $140 for an extraction! The dentist grabbed the tooth with a wad of cotton and yanked. LIve and learn. That is truly outrageous. An oral surgeon, with a MD degree as well as a DDS, fully suited up for surgery, along with a team of 2 assistants, similarly suited up and having gi...
by littlebird
Mon Oct 26, 2015 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Disposition of I bonds
Replies: 5
Views: 848

Re: Disposition of I bonds

1. Designate a trustworthy beneficiary (individual, not an organization) in the registration of the bonds 2. Make sure the beneficiary is aware of your wishes for the bonds to be cashed and donated (allowing them to take enough money to pay taxes) This is not a good idea. The disposition of propert...
by littlebird
Mon Oct 26, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the estate tax
Replies: 12
Views: 1345

Re: Help me understand the estate tax

Thanks for the replies. This is the second husband, so I don't believe she wants to will anything to him to sort out, even in the interest of avoiding taxes...plus he is older and his health is not great. Sounds like we need to sit down with her and have ye olde estate planning conversation.... Wit...
by littlebird
Sun Oct 25, 2015 9:09 pm
Forum: Personal Consumer Issues
Topic: Recomendation for a good sheet set
Replies: 22
Views: 1593

Re: Recomendation for a good sheet set

If cleaning people make your bed and don't always do it evenly, (or if you hate trying to make it yourself evenly) consider this set with a semi-fitted top sheet. I use this set exclusively now. http://www.theeasysheet.com/
by littlebird
Sun Oct 25, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is there an ideal age to retire?
Replies: 137
Views: 11384

Re: Is there an ideal age to retire?

if things were really bad physically. . .[we] could still travel domestically by car. While wishing you all the best whenever you decide to retire, I must tell you that there are innumerable infirmities that afflict us older folks which make car travel very difficult, if not impossible. And when th...
by littlebird
Sun Oct 25, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: Circumstances for replacing a toilet
Replies: 27
Views: 1763

Re: Circumstances for replacing a toilet

The cost of replacing a toilet is within the realm of most American budgets. Only repair if something in the tank needs to be replaced which is cheap and easy. Everything else wrong with the toilet, replace with a more efficient one. I will maybe buy one of those toilets that are raised above the g...
by littlebird
Sun Oct 25, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Son had [bicycle] accident [- how to handle claim against him]
Replies: 68
Views: 5536

Re: Son had accident while on a shared bicycle

Son is in grad school. Therefore over 21, right? Was son doing an errand for you when accident happened? The answer to these Qs should give an indication as to whether YOU have any liability, since I note you say "we". Does son have any assets like bank account, property in his name? Has s...
by littlebird
Sat Oct 24, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: best cost basis method for mutual funds
Replies: 24
Views: 1908

Re: best cost basis method for mutual funds

I was told by my financial advisor that in the long run it doesn't matter what cost basis you use. Yes, you can minimize taxes using SpecID for one particular transaction, but over many years, you'll pay the same amount of taxes using Average Cost. Has anyone else heard this? Reading this thread, I...
by littlebird
Sat Oct 24, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Spending in retirement
Replies: 12
Views: 1881

Re: Spending in retirement

Maybe I'm missing something, but why do you have to rebalance your taxable account? Why not just continue to spend it down as long as you like and re-balance only in your tax-deferred, calculating your AA across all accounts?
by littlebird
Sat Oct 24, 2015 10:40 am
Forum: Personal Consumer Issues
Topic: Wool Carpet
Replies: 11
Views: 806

Re: Wool Carpet

I have wool area rugs decades old that look very good. I don't have dogs and kids running around on them. I would never get a carpet of any other material, due to the overwhelming not found in nature smell they give off for a long time. Having pulled up wall to wall carpet, I would never get that a...
by littlebird
Fri Oct 23, 2015 5:27 pm
Forum: Personal Consumer Issues
Topic: Suggestions for 95-yr old MIL's new assisted living apartment
Replies: 53
Views: 4252

Re: Suggestions for 95-yr old MIL's new assisted living apartment

Thank you for the update. I'm following with interest and feel like I "know" your MIL. By the way, you're a terrific DIL. :beer
by littlebird
Fri Oct 23, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Retired 10+ years
Replies: 7
Views: 1408

Re: Retired 10+ years

28 years and no, can't think of a thing. Retired very young and did everything we wanted (and needed) to do.
by littlebird
Thu Oct 22, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: Wool Carpet
Replies: 11
Views: 806

Re: Wool Carpet

It's getting to the point in my home remodel that it's almost time for carpet in a few rooms. At this point, for various reasons I'm considering wool carpet mainly because I prefer the look of the natural fiber, and the natural dyes used compared to synthetic fibers and aniline dyes. Similar to how...
by littlebird
Tue Oct 20, 2015 12:25 am
Forum: Personal Consumer Issues
Topic: New sofa recommendation : Sofa that lasts long
Replies: 24
Views: 2757

Re: New sofa recommendation : Sofa that lasts long

Oh, and tips for keeping them clean longer: eat and drink only at the kitchen and dining room tables. Teach the dog to remain on the floor. :wink:
by littlebird
Tue Oct 20, 2015 12:23 am
Forum: Personal Consumer Issues
Topic: New sofa recommendation : Sofa that lasts long
Replies: 24
Views: 2757

Re: New sofa recommendation : Sofa that lasts long

Velvet, including crushed velvet, wears like iron. My 33 year old sofa is starting to sag a bit, but the blue velvet upholstery looks almost like new.
by littlebird
Mon Oct 19, 2015 4:58 pm
Forum: Personal Consumer Issues
Topic: Astronomy telescope
Replies: 19
Views: 1635

Re: Astronomy telescope

The place to ask questions like that is at your local astronomy club. Google will find it for you. Amateur astronomers are more than eager to share their knowledge and experience.

Sometimes there are even used telescopes at bargain prices available from members no longer able to make use of them.

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