Search found 707 matches

by littlebird
Mon May 02, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Sunscreen
Replies: 49
Views: 2794

Re: Sunscreen

I suggest always putting sunscreen on your hands before driving. I started doing that in my 50's because of extreme sun sensitivity and now, in my mid-70's, have NO brown age spots on my hands. :happy Did you own a convertible where you found this necessary? I never drive with the windows or sunroo...
by littlebird
Mon May 02, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Sunscreen
Replies: 49
Views: 2794

Re: Sunscreen

I suggest always putting sunscreen on your hands before driving. I started doing that in my 50's because of extreme sun sensitivity and now, in my mid-70's, have NO brown age spots on my hands. :happy
by littlebird
Sun May 01, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: landlord problem
Replies: 29
Views: 2530

Re: landlord problem

mouses wrote:Glad this all worked out. Still wondering what's being cooked that depends so heavily on the oven.


OP said;" We need the oven with all our children". So, maybe a large roasting chicken or a pan of lasagna.
by littlebird
Sat Apr 30, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: remodel: energy-independent house!
Replies: 25
Views: 1684

Re: remodel: energy-independent house!

I agree with btenny, something is wrong I live in my metro Phoenix house year 'round and my all electric home's bill is ~$1950/year.
by littlebird
Sat Apr 30, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: VTEB: Better than online savings accounts?
Replies: 16
Views: 2070

Re: VTEB: Better than online savings accounts?

What I am personally slowly learning is that everything is situation dependent. What makes sense in your 20s with a $100K doesn't necessarily in your 50s with $1,000K. I think it is the whole Bernstein won the game thing, which up until I really felt I had won the game seemed illogical. But over th...
by littlebird
Fri Apr 29, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited property and family issues
Replies: 39
Views: 3088

Re: Inherited property and family issues

Keep in mind that for any agreement affecting real property to be effective,e it must be in writing, properly executed, in the correct form, and filed in the county office where deeds and mortgages are filed.
by littlebird
Fri Apr 29, 2016 1:25 am
Forum: Personal Consumer Issues
Topic: To do Fumigation or not?
Replies: 2
Views: 324

Re: To do Fumigation or not?

I don't understand why you would still consider a $1000 procedure when you had opinions from 3 (3!??) companies that specialize in this work and stand to profit from it, and they all told you that the $1000 procedure is not necessary. I'm glad to hear that none of them tried to over-sell you. Take t...
by littlebird
Wed Apr 27, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Semi-Retirement and Mexico/Central America
Replies: 14
Views: 1415

Re: Semi-Retirement and Mexico/Central America

WasabiOsbourne wrote: gentile retirement


I think the word you're looking for is "genteel".
by littlebird
Mon Apr 25, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 97
Views: 8131

Re: Relocating to a tax free state with good weather need advice

After living in AZ for six years I used to joke about how folks who said how cheap it was to live there were delusional. Almost everyone I knew wound up buying a second home elsewhere in the state to deal with 100+ degree summers (May-October). So now people were paying two sets of property taxes, ...
by littlebird
Sat Apr 23, 2016 1:34 am
Forum: Personal Consumer Issues
Topic: Any bogleheads use a "smart" sprinkler system?
Replies: 15
Views: 1297

Re: Any bogleheads use a "smart" sprinkler system?

Just bought a Rachio 2nd generation 8 zone. Live in the desert southwest. Our water pricing is odd in that the more water you buy the more they charge per unit (crazy right...what happened to the volume discount?). . Here in the desert southwest, the volume discount has been replaced by the over-us...
by littlebird
Fri Apr 15, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: "Hard Truths For Investors To Wrap Their Heads Around"
Replies: 23
Views: 3356

Re: "Hard Truths For Investors To Wrap Their Heads Around"

"It's hard to believe that the whole concept of retirement regardless of socioeconomic class is only about a generation old." I am finding this one hard to believe. Are they implying that only the wealthy used to retire? That the working and middle classes just worked until they died or b...
by littlebird
Fri Apr 15, 2016 2:52 pm
Forum: Investing - Theory, News & General
Topic: "Hard Truths For Investors To Wrap Their Heads Around"
Replies: 23
Views: 3356

Re: "Hard Truths For Investors To Wrap Their Heads Around"

"It's hard to believe that the whole concept of retirement regardless of socioeconomic class is only about a generation old." I am finding this one hard to believe. Are they implying that only the wealthy used to retire? That the working and middle classes just worked until they died or be...
by littlebird
Fri Apr 15, 2016 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 27
Views: 2325

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

That's exactly what I do. I have a dollar limit for the amount of equities that I'm comfortable with. It works out to be near my current age in bonds. I rebalance to keep it at or slightly below that figure.

I do take more risk in bonds than many people recommend, but that's what works for me.
by littlebird
Fri Apr 15, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Action-movie cable channel?
Replies: 10
Views: 473

Re: Action-movie cable channel?

My first thought was Spike. Looking at their schedule though ( http://www.spike.com/tv-schedule ) They seem to go on a three day sprint of Cops/Bar Rescue/Ink Master re-runs before they show like 5 or 6 action movies in a row. FX/FXX also come to mind as decent options. Thanks. I'll look for that.
by littlebird
Thu Apr 14, 2016 11:40 pm
Forum: Personal Consumer Issues
Topic: Action-movie cable channel?
Replies: 10
Views: 473

Re: Action-movie cable channel?

cheese_breath wrote:Does he like old movies? TCM (Turner Classic Movies) has them. It's not an action channel but some are WW II vintage war movies.


He was in it (WW II that is, not the movies) so I don't know, but I'll ask him. Thanks for the suggestion.
by littlebird
Thu Apr 14, 2016 11:31 pm
Forum: Personal Consumer Issues
Topic: Action-movie cable channel?
Replies: 10
Views: 473

Re: Action-movie cable channel?

cheese_breath wrote:. If you're willing to spring for premium channel subscriptions the HBO or Cinemax variants might be better.


The cable is supplied to each room; we don't pay for it separately, but I'll look for FX. Thanx.
by littlebird
Thu Apr 14, 2016 11:20 pm
Forum: Personal Consumer Issues
Topic: Action-movie cable channel?
Replies: 10
Views: 473

Action-movie cable channel?

My spouse was recently placed in an assisted living facility. He's confined to bed and is unable to use his I-pad or even to turn a radio on or off. We've never watched much TV, maybe Friday night news programs on PBS, an occasional Nova or documentary. We've never had cable. He's becoming bored aft...
by littlebird
Wed Apr 13, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Citibank wants tax returns for a credit card???
Replies: 50
Views: 6041

Re: Citibank wants tax returns for a credit card???

Regarding income verification: When credit card companies ask for annual income, do they mean taxable income? My IRA accounts generate income, it is available for spending if I wish, but it will not show up on a tax return. If they want taxable income, they should say so. What annual income should ...
by littlebird
Tue Apr 12, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: home security and homeowners
Replies: 23
Views: 1612

Re: home security and homeowners

It depends on what you mean by "home security". There may be many things you can do to make your home more secure without incurring monthly charges. When we moved into our low crime senior community, I was surprised at the low level of security in our house: open-out door with outside hing...
by littlebird
Tue Apr 12, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6456

Re: Retirees: what's your Withdrawal Rate for this and last year?

29 years into an early retirement: After the first few go-go years, when we spent freely for RV travel, we lived comfortably on 1 1/2 S.S.'s and 1 modest pension. Lately as we have aged, and infirmities have cut into our abilities to get out to the places where spending takes place, we have not even...
by littlebird
Mon Apr 11, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 4891

Re: Advice on Buying a House with Illegal Basement?

The electric and plumbing are probably original, since the furnace and washing machine are there and the builder would have provided for both of those. The dryer, if electric, might have been added later with its 220 line, since dryers were not always supplied or even wired for in the 50's, with the...
by littlebird
Sat Apr 09, 2016 10:46 pm
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 6823

Re: Are you planning to leave an "estate"?

[Post removed --admin LadyGeek] If you were disabled, like Ron's son, and only able to work in a sheltered workshop or very low wage part time job, the good people of this country would help you out too (at least under PRESENT laws.) edited to remove a personal rebuke to the poster, which is the pr...
by littlebird
Thu Apr 07, 2016 10:41 pm
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 6823

Re: Are you planning to leave an "estate"?

I'm sure my kids feel the same way I did when my parents were alive and aging: I was happy that they had enough so that I didn't have to help them and I hoped they would spend every cent on themselves. If something was left over, fine, but I didn't need, want or plan on it. Thus, I feel the same way...
by littlebird
Thu Apr 07, 2016 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4229

Re: IRS cashed unsigned check

Many years ago when paid checks were returned to us each month, I occasionally forgot to sign a check. Inevitably when it came back, paid, with that month's statement, it was stamped on the empty signature line "Signature guaranteed", presumably by the payee. Maybe that is still happening,...
by littlebird
Fri Apr 01, 2016 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buy/Pay for extra years [Spending in retirement]
Replies: 7
Views: 718

Re: Buy/Pay for extra years [Spending in retirement]

In about 30 years if married, or 24 years if not, you will have a very high likelihood of needing some form of "care". What provision have you made for this?
by littlebird
Wed Mar 23, 2016 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 10460

Re: Financially, how have you done/doing vs. your parents?

Financially, much better. Lifestyle-wise about the same. My father (b. 1910) had to leave school at 12 to support several younger siblings. Nevertheless, he and my mom (h.s. grad, worked only when we kids were teens), owned a newly-built modest house in a very HCOL city, and pretty much everything t...
by littlebird
Sun Mar 13, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: When to simplify due to cognitive decline?
Replies: 39
Views: 4269

Re: When to simplify due to cognitive decline?

A trusted manager with a - a POA will allow trusted others to act on your behalf, but it won't stop you from acting to your own detriment. This is another reason why I like a revocable (living) trust for disability (or dementia) planning. When it became likely my spouse would have to be cared for i...
by littlebird
Sat Mar 12, 2016 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: small car accident - when is it ok to not file a police report?
Replies: 27
Views: 2248

Re: small car accident - when is it ok to not file a police report?

Spirit Rider wrote:Last time I was involved in a very minor accident with no bodily injury the police would not respond. They asked if there was any bodily injury and if the damage exceeded the statutory minimums. They did not and so they did not.


Same here.
by littlebird
Fri Mar 11, 2016 11:26 pm
Forum: Investing - Theory, News & General
Topic: The most hated market is positive YTD
Replies: 5
Views: 2045

Re: The most hated market is positive YTD

Not hated at all by this very satisfied long-term owner. I'd say Vanguard's High Yield Corporate is among my 3 most satisfactory holdings of all time. The other 2 being Health Care (which I no longer own) and Total Stock Market .. When it's high, it provides me with a satisfying stream of income whi...
by littlebird
Fri Mar 11, 2016 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming a profit for taxes
Replies: 5
Views: 439

Re: Claiming a profit for taxes

You're supposed to claim a profit when you have a profit.

If you don't make a profit in a reasonable number of years, depending on the type business, it's a hobby, not a business.

If you claim a profit when you don't actually make a profit in order to not be ruled a hobby - it's tax fraud.
by littlebird
Thu Mar 10, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: Leather furniture?
Replies: 20
Views: 2510

Re: Leather furnitureerer?

I keep my Arizona house at 80 in the summer and 72 in the winter and find our leather chairs to be comfortable all the time and not perspiration inducing. I do prefer the comfort of our old velvet sofa, however.
by littlebird
Thu Mar 10, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy of Assisted Living Co
Replies: 3
Views: 717

Re: Bankruptcy of Assisted Living Co

Sorry about your Mom. Since no one more knowledgeable has replied yet and since it looks like your last day to file a proof of claim is 3/16/16, I'd say YES! Get in touch with the Court, using the info in the filing you linked to. They'll tell you what you need to do. I watched that building being b...
by littlebird
Mon Mar 07, 2016 2:02 am
Forum: Investing - Help with Personal Investments
Topic: Backup Plan for Wife?
Replies: 44
Views: 5307

Re: Backup Plan for Wife?

Don't let the tax-loss harvesting tail wag the peace-of-mind dog. When the markets are going up, as they usually do, there are no tax-loss harvesting possibilities. And after enough years invested in the same assets, even a down market - short of a depression - will produce no tax-loss harvesting po...
by littlebird
Mon Mar 07, 2016 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 58
Views: 6109

Re: Long term care insurance?

I'm wondering if using the same large sum you might spend on LTCI to buy into a CCRC might not be a better deal? (Continuing Care Retirement Community). Has anyone compared these two strategies? Strictly from a financial perspective, of course. I know they are two very different animals. I have fou...
by littlebird
Sun Mar 06, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Designating a donor advised fund in your will
Replies: 7
Views: 594

Re: Designating a donor advised fund in your will

Check this with your DAF (I assume you have it set up already. If not it would make sense to do it now, to iron out any problems). One DAF that I used to have wanted a certain amount to be left at your death in order to dole it out in future years. With less money, they wanted to pay it out immediat...
by littlebird
Sun Mar 06, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard won't give me my money today.
Replies: 20
Views: 7794

Re: Security Issue?

Doc wrote: For security Anybody that could got hold of a check could issue a check to someone and it would be paid.


This is called "forgery" and there are very well established rules for dealing with a forged check. You would not be responsible.
by littlebird
Sun Mar 06, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 2896

Re: Anything to look for when buying a fridge?

Also carefully measure your available space and the potential new fridge itself. I've found that the new fridge sizes are not as standardized as they used to be.
by littlebird
Sun Mar 06, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for retiree with pension
Replies: 27
Views: 2183

Re: Asset allocation for retiree with pension

For retirees the best advice have seen to date is from Frank Armstrong in 'The Informed Investor'. Rather than fret about AA%s, concentrate instead on the main issue. Keep in short term bonds and/or cash, sufficient capital to meet 5 to 7 years income needs (therefore deduct pension in OP case). Ke...
by littlebird
Sun Mar 06, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 58
Views: 6109

Re: Long term care insurance?

itstoomuch wrote:^ Given the statistics, there is a good chance that you will need longterm care longer than the 15days allowed in Medicare..


Medicare pays for 20 days per year in full and 100 days with a co-pay which I believe is 20%. A prior 3 day hospital stay is a prerequisite.
by littlebird
Sat Mar 05, 2016 5:08 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 74
Views: 6651

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

But forget this gliding thing, there is just no rational explanation for it. Stay the course... I find the fact that every year I have fewer years in front of me to provide for, and fewer years to recover from a deep loss, to be a perfectly rational explanation for lowering my stock allocation as I...
by littlebird
Thu Mar 03, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: A cautionary reminder about 'charities' and the elderly
Replies: 11
Views: 1480

Re: A cautionary reminder about 'charities' and the elderly

Then I taped the mailing label from the solicitation onto the post card so they could find the name exactly in their files. You were lucky. When I did this, about half the mail came back to me. The post office address reading equipment assumes the side of a post card with an address on it is the fr...
by littlebird
Wed Mar 02, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does everyone really need to save $1 million for retirement?
Replies: 225
Views: 29088

Re: Does everyone really need to save $1 million for retirement?

For a good 1/3 or so of people the only need is to have enough money to get to the 80's because at that point the dementia has taken a toll and they are quite content sitting in a chair and living off social security and Medicaid. All the money in the world wouldn't change their lifestyle. The ques...
by littlebird
Wed Mar 02, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Card
Replies: 39
Views: 2273

Re: Medicare Card

Do readers of this forum who are on Medicare carry their Medicare card in their wallet or purse or, do they secure it at home to help prevent ID theft if it is stolen? I have read the suggestion of carrying a photocopy of the card with part of the number blacked out and supplying the number when ne...
by littlebird
Mon Feb 29, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's Vanguard Annuity expired - Big Taxes
Replies: 24
Views: 2996

Re: Mom's Vanguard Annuity expired - Big Taxes

I've had a Vanguard Variable Annuity for many years and I've never heard of it "expiring". Did your mom reached the age at which she had to annuitize or choose another option and she chose to cash it in? In my annuity that age is 92. Could that be what you mean? If so perhaps you might be ...
by littlebird
Sun Feb 28, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Elderly parents future
Replies: 8
Views: 1631

Re: Elderly parents future

My father has been diagnosed with dementia and seems to be deteriorating somewhat rapidly. He is 73, has heart issues also, and is at home with Mom yet. She is 72 and healthy (though this condition is very stressful for her.) They don't have much money saved; they live comfortably on a pension and ...
by littlebird
Sun Feb 21, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Running out of money in retirement
Replies: 49
Views: 9716

Re: Running out of money in retirement

Part time job maybe? Commuting from the Medicaid nursing home? There are jobs online where you can make some money. It isn't much and I don't know a ton about it, but I know people who have made money doing surveys and other things. To be admitted to a nursing home you must be unable to perform sev...
by littlebird
Sun Feb 21, 2016 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Running out of money in retirement
Replies: 49
Views: 9716

Re: Running out of money in retirement

Fieldsy1024 wrote:Part time job maybe?

Commuting from the Medicaid nursing home?
by littlebird
Sun Feb 21, 2016 1:35 am
Forum: Personal Consumer Issues
Topic: Amazon Free Shipping Is Now $50....
Replies: 74
Views: 9778

Re: Amazon Free Shipping Is Now $50....

I'm not planning to give up Amazon Prime any time soon, but I'm pretty irked at how much longer promised delivery is. I ordered something last Sunday evening, and promised delivery was Thursday! --in fact, it arrived on Tuesday, as I would have expected. So I wonder if they're also testing the tole...
by littlebird
Sat Feb 20, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Running out of money in retirement
Replies: 49
Views: 9716

Re: Running out of money in retirement

Unless you are Bill Gates, or Warren Buffet - if you have to go to a nursing home - you will most likely forfeit all of your assets. You will not be forfeiting your assets. You will be paying for your own (usually permanent and terminal) care until you can't afford to pay for your own care any more...

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