Search found 734 matches

by littlebird
Mon May 30, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a golf cart
Replies: 5
Views: 509

Re: Looking to buy a golf cart

I'm looking to purchase my first golf cart. It will mostly be used just to cruise around my neighborhood and some of the close surrounding neighborhoods with the wife. I can't decide if I should go gas or electric and I'm trying to figure out a good price for a good, reliable cart. A guy near my ho...
by littlebird
Mon May 30, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Moving logistics - 2 cars, 1 month
Replies: 8
Views: 387

Re: Moving logistics - 2 cars, 1 month

Option 1 and ship the goods. You don't want to leave a loaded car in motel parking lots overnight, or unload every night and re load every morning. Enjoy your trip. We shipped our car too long ago to be able to give you a recommendation.
by littlebird
Sun May 29, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 57
Views: 4334

Re: Early retirement and opportunity cost, by Harry Sit

I retired at age 66 and could have retired years earlier. I chose to continue working because a) I enjoyed my work, b) the added years enhanced my retirement substantially, and c) the added years provided a cushion in case something cataclysmic happened (bad market/sequence of returns, health issue...
by littlebird
Fri May 27, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: Lawn Replacement- Irish moss or ???
Replies: 5
Views: 747

Re: Lawn Replacement- Irish moss or ???

The only thing I've been successful in replacing grass with in large areas is gravel. Here in the SW they call it "rock". In CA many people use ice plant, but I don't know how long-lived that is. In the NE, pachysandra is nice for small areas. Unfortunately, for large, green, walkable, mod...
by littlebird
Thu May 26, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: New Book: Living off Your Money (Michael McClung)
Replies: 58
Views: 7658

Re: New Book: Living off Your Money (Michael McClung)

The author is apparently trying to protect himself against loss of income.
by littlebird
Thu May 26, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 87
Views: 2674

Re: series/ movies filmed in your home town?

A commercial was once filmed in my kitchen (before I actually moved in). :D As far as I know it didn't enhance the price at which I sold that house.
by littlebird
Sun May 22, 2016 2:43 pm
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 2898

Re: WW2 Books & Education

While there are still WWII vets alive, you might consider getting some oral histories from them. Many have personal stories that have never been told, and without you never will be. You could make a real contribution. You could start by going to a Senior Center or an Assisted Living home and talking...
by littlebird
Sun May 22, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2352

Re: Still double checking bank checkbook math?

I write and deposit far fewer checks now than I used to, but I still enter all paper AND electronic deposits and withdrawals into my check book. Although I use a calculator, arithmetic errors still creep in and I want to be able correct them before I have a check bounce for the first time (never hav...
by littlebird
Wed May 18, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 359

Re: Pride in no inheritance to kids?

I wonder if there is a correlation in that those who received an inheritance are more likely to leave one. (This would be similar to those who received an expensive education may also pay for one for their kids.) The "pay it forward" concept could be at play without people consciously awa...
by littlebird
Wed May 18, 2016 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 359

Re: Pride in no inheritance to kids?

I also think you're mis-interpreting "pride". For the vast majority of people, their primary concern about retirement is whether or not they have enough for their own lifetime. If you're in the financial position where all of your needs will be met regardless of any black swan events, the...
by littlebird
Wed May 18, 2016 11:00 am
Forum: Investing - Theory, News & General
Topic: Is anyone here currently getting an annuity payout?
Replies: 19
Views: 2118

Re: Is anyone here currently getting an annuity payout?

I recently annuitized a Vanguard Variable Annuity. My first payment ( comes from the insurance company, not Vanguard)appeared earlier than I was promised, and in the correct amount. Vanguard's annuity division even had a rep call me at each point in the process to keep me apprised. By far the best s...
by littlebird
Wed May 18, 2016 12:36 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 4882

Re: Emergency Preparedness

I've thought about this in the past. I agree with most of what has been said already. I'd like everyone to consider http://www.solarcooker-at-cantinawest.com/parabolic_solar_cooker_solar_burner.html as a potential solution to cooking without fuel. I don't have any experience but it seems like a goo...
by littlebird
Wed May 18, 2016 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7727

Re: Is it common for a step mother to inherit everything?

I don't know a DMV anywhere that would certify such a transfer of title and motor vehicle registration unless the wife was a co-owner and produced a death certificate to DMV! If he jointly titled the truck, he may have jointly titled everything else of value. The presence of a will is significant b...
by littlebird
Tue May 17, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3627

Re: Could I be held Liable for giving financial advice to a friend

Folks, I want to thank all of you for the time an effort that you put in assisting me with this issue. About 2 hours ago I discussed this situation with my lawyer to. Be on the safe side. The lawyer said, I may not be fully explaining right, But here goes, currently the Labor Department is looking ...
by littlebird
Tue May 17, 2016 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7727

Re: Is it common for a step mother to inherit everything?

To the person who died this woman was not a "step-mother", she was a wife. They were together for 15 years. In sickness and in health, apparently. And he didn't leave a great deal. The natural person to leave a modest legacy to is the spouse. You are, as you say, in your early 40's. You ha...
by littlebird
Sat May 14, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: 25x Residual Expenses if no Residual Expenses?
Replies: 7
Views: 830

Re: 25x Residual Expenses if no Residual Expenses?

We've been in that happy situation throughout our 29 year retirement - needing assets only for travel or capitol purchases, although pension and SS income is modest. No LTCI. Now spouse has had to go into assisted living, a situation which will probably extend for many years. Now we will have to sta...
by littlebird
Fri May 13, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do all Boglesheads die at 100?
Replies: 51
Views: 5898

Re: Do all Boglesheads die at 100?

Does anyone else here worry - as I do - who will care for you as you age? My spouse and I cared for our parents, with some occasional, but vital, help from siblings who lived out of town. We supervised any hospice workers, monitored meds and oxygen, etc. We spoke up when hospital errors were about ...
by littlebird
Fri May 13, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected issues: Cancer and Estate planning
Replies: 23
Views: 3354

Re: Unexpected issues: Cancer and Estate planning

You say your father left her. Did they divorce? Is he still alive? If still alive and not divorced, google term "elective share" and see if/how it applies in Mom's state. This could up-end the whole wacky scheme. Income from 1 rental will be enough to support rental itself AND Mom's house ...
by littlebird
Fri May 13, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: Best "Life Alert" type device for 98 year old grandparents
Replies: 16
Views: 1259

Re: Best "Life Alert" type device for 98 year old grandparents

If they still have a landline, this is what I use and it's excellent. It's essentially an extension phone and when you press the button it dials 911. It needs no charging (just press a button to check internal battery) and has no monthly fee. It claims a 600 ft. range. I don't know how accurate that...
by littlebird
Fri May 13, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Legal recourse of UPS "import fees"?
Replies: 10
Views: 1090

Re: Legal recourse of UPS "import fees"?

Was the value of the second shipment $200 or over?
by littlebird
Fri May 13, 2016 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Intra-Family Mortgage INSTEAD of Investing
Replies: 27
Views: 1940

Re: Intra-Family Mortgage INSTEAD of Investing

Regarding interest. . . . It will only be deductible to mom if she itemizes. And if the mortgage and note are properly filed in the appropriate county office. After which you will be surprised to get innumerable phone calls from people who read these filings and want to buy the mortgage from you at...
by littlebird
Thu May 12, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Downsize to One Auto in Retirement ?
Replies: 43
Views: 3233

Re: Downsize to One Auto in Retirement ?

We did, and considered it a luxury to have only one car to take care of. But we also purposely bought our new home within steps of one of our "active senior community" 's huge recreation centers with pool, walking track, basketball court, game rooms, activity rooms, gym, etc., etc., so tha...
by littlebird
Wed May 11, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney issues
Replies: 11
Views: 1490

Re: Power of Attorney issues

Yep. In preparing for the certainty of my DH eventually becoming completely physically disabled, I tried to automate his trad IRA RMDs in case I (holder of his POA) also became disabled. I had trouble with every custodian and prospective custodian. I ended up removing all of our long-standing accoun...
by littlebird
Sun May 08, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: Another Bernstein Gem-Don't be Greedy
Replies: 42
Views: 7243

Re: Another Bernstein Gem-Don't be Greedy

Ancient Wall Street maxim: You can be a bull, or you can be a bear, but don't be a pig.
by littlebird
Fri May 06, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 3839

Re: Retirees: Who's not changing their AA, ever?

29 years into early/him and very early/her retirement; using her age in AA calculations; we've ridden the age in bonds glide path down to about the bottom of the recommended range, i.e. 25-30% equities, and will probably stay there for the duration. Have annuitized a Vanguard Variable Annuity to hel...
by littlebird
Thu May 05, 2016 4:51 am
Forum: Personal Consumer Issues
Topic: remodel: energy-independent house!
Replies: 37
Views: 2851

Re: remodel: energy-independent house!

There are many native desert adapted plants and trees that require very little if any supplemental water. Although they naturally grow slowly, additional water via drip systems while young will encourage accellerated growth and then they can be gradually weaned. Interesting. Thank you. I find our n...
by littlebird
Mon May 02, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3828

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 Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3828

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: 2850

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: 37
Views: 2851

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: 2198

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: 3319

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: 340

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: 1543

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: 8503

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: 1398

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: 3522

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: 3522

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: 28
Views: 2653

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: 496

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: 496

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: 496

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: 496

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: 6198

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: 1754

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: 6941

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: 5072

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: 7278

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: 7278

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...

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