Search found 1595 matches

by littlebird
Sun Jul 05, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 38
Views: 1486

Re: Neighborhood Noise

I live in a very large, highly developed, amenity-rich senior community, composed mostly of single family houses, although there are some attached dwellings. Most, though not all, of the houses, having been built when land was cheap in the boonies, are on fairly large lots, and with xeriscape landsc...
by littlebird
Sun Jun 28, 2020 10:38 pm
Forum: Personal Consumer Issues
Topic: Has Amazon ever called you to verify a purchase?
Replies: 28
Views: 2255

Re: Has Amazon ever called you to verify a purchase?

Has Amazon ever called you to verify a purchase? I know that credit cards call or text or email to verify a purchase - but have you ever been called by a person claiming to be from Amazon directly to verify a purchase from Amazon? Just happened to us. We asked what the purchase-to-be was and the pe...
by littlebird
Sun Jun 28, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: I keep getting someone else's mail
Replies: 27
Views: 2094

Re: I keep getting someone else's mail

https://www.catalogchoice.org/login

For catalogs, magazines and some charitable and political solicitations, I have had good results registering the unknown person or deceased person’s name at my address with the above website and indicating not to send any more.
by littlebird
Thu Jun 25, 2020 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ Reporter doing story about doing taxes by hand
Replies: 33
Views: 3731

Re: WSJ Reporter doing story about doing taxes by hand

PluckyDucky wrote:
Thu Jun 25, 2020 1:03 pm
joe8d wrote:
Wed Jun 24, 2020 8:36 pm
Doing by hand is a major education in how taxes affect your whole Financial Life.
Doing by hand is impossible or at least a huge waste of time if you have anything even mildly complicated.
Not for me.
by littlebird
Tue Jun 23, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Recommendation for Elder?
Replies: 12
Views: 746

Re: Robot Vacuum Recommendation for Elder?

I have an iLife, 3 I think, and I love it, but maintenance is NOT minimal. I don’t know if such a thing is possible with a robot. Perhaps people with more expensive ones could chime in on this. Dirt cups, multiple filters, wheels, surfaces, all must be cleaned, frequently. Very frequently. I use can...
by littlebird
Mon Jun 15, 2020 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Change of Address choices for father w/ cognitive decline
Replies: 28
Views: 1265

Re: Change of Address choices for father w/ cognitive decline

Not clear to me why you wouldn’t just have any financial mail sent to the holder of the POA and Full Agent Authorization. What is your thinking on on this? Not wanting to undercut your father’s autonomy? Commendable of you, but I think that ship has sailed. Getting lost in one’s own neighborhood is ...
by littlebird
Mon Jun 15, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 304
Views: 17768

Re: [On-going Scams - Post them here]

My senior community has recently been subjected to a telephone scammer pretending to be calling from Amazon about a problem order for $77+. It ends with “If you didn’t place this order, call Amazon at 833xxxxxxxx immediately.”. I don’t know what info they ask for if you call back, but given the numb...
by littlebird
Sun Jun 14, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: So Are Home Renovations Worth It (Financially) Or Not?
Replies: 105
Views: 7426

Re: So Are Home Renovations Worth It (Financially) Or Not?

From the little bit I used to see of HGTV at the gym, the costs they list for renovations is about 50% of what it would actually cost a homeowner to contract for the same. So a “profit” is thereby assured.
by littlebird
Sat Jun 13, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4544

Re: heated driveway?

I'm pretty sure I'm not going to give up my seaside home for a condo or elderly community with noisy neighbors and people just waiting around to die, just because the snow guys have vanished. With $300,000,000+ worth of recreational and cultural amenities, I can assure you that except for those act...
by littlebird
Thu Jun 11, 2020 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Put checking accounts in living revocable trusts?
Replies: 48
Views: 8482

Re: Put checking accounts in living revocable trusts?

Also, do you really want everyone who receives a check to know that you are a "rich trust fund person"? Yeah, checks are becoming less and less used and we Bogleheads understand that you don't have to be Warren Buffett to benefit from a trust. But to the average Joe, it can send the wrong message. ...
by littlebird
Mon Jun 08, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: Santa Fe Homebuying Advice (Location and Realtor Recommendations)
Replies: 4
Views: 644

Re: Santa Fe Homebuying Advice (Location and Realtor Recommendations)

Background : My wife and I are thinking about moving to, among other places, Santa Fe, New Mexico, and buying a house there. Budget would be $400K or less, but we could possibly go up to $500K if the place was fantastic. 2 bed/2 bath, with a garage, ideally. We have visited several times, but mostl...
by littlebird
Thu Jun 04, 2020 6:14 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9581

Re: Amazon WITHOUT Prime?

My recollection from the days before I had Prime was that there was a minimum order amount to get free shipping. THAT, rather than two day shipping, was the reason I signed up for Prime. Very worth it it me, especially now, when I much prefer not to go to the stores.
by littlebird
Tue May 26, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 27
Views: 4428

Re: Del Webb 55+ communities?

But more generally, how do those in these "over 55" communities plan for "what's next"? For most people, there *will* be "something next", be it skilled nursing, memory problems, or "only" extra/significant assistance needed? RM My experiences is they prepare the same way people who don't live in o...
by littlebird
Mon May 25, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 28
Views: 1829

Re: Robot vacuums

I have to pick up my floppy bathroom rug, but they (I have two because I love them that much) do a great job on my tiles, medium pile carpet, and stiff, medium pile area rug. And they were less than $180 each on Amazon (ilife). They do have to be cleaned carefully, but that is easier and safer for m...
by littlebird
Sat May 23, 2020 1:37 am
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 27
Views: 4428

Re: Del Webb 55+ communities?

Have lived in one of the older Sun Cities, built by Del Webb himself, for 27 years. Have never had the slightest complaint about any aspect of the community. I think it’s just about perfect. How many developments do you know of where the home-owners have commissioned a statue of the developer? I’m s...
by littlebird
Sun May 10, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5498

Re: What are your alternative plans this summer if it was travel?

mw1739 wrote:
Sun May 10, 2020 3:37 pm
Had a Caribbean trip planned for next month which is cancelled. Currently debating between heading to the beach or Arizona for a week to escape reality.
We have reality here in Arizona, too.
by littlebird
Sun May 10, 2020 12:50 am
Forum: Personal Consumer Issues
Topic: Where should I go for extended warranty on my Toyota?
Replies: 35
Views: 1905

Re: Where should I go for extended warranty on my Toyota?

The radio /clock/milage module, which also contains the backup camera on my ‘15 Camry failed in ‘17. It already had the milage limit on it. I believe it was 36,000 miles. The backup camera still works most of the time, although the day/night lighting no longer works. How much would it cost for you ...
by littlebird
Sat May 09, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: Where should I go for extended warranty on my Toyota?
Replies: 35
Views: 1905

Re: Where should I go for extended warranty on my Toyota?

The radio /clock/milage module, which also contains the backup camera on my ‘15 Camry failed in ‘17. It already had the milage limit on it. I believe it was 36,000 miles. The backup camera still works most of the time, although the day/night lighting no longer works.
by littlebird
Wed Apr 08, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: Make Clorox Spray Instead of Lysol Spray
Replies: 77
Views: 5653

Re: Make Clorox Spray Instead of Lysol Spray

This recommends against putting Clorox bleach in a spray bottle: https://www.hunker.com/12525274/how-much-bleach-to-put-in-a-spray-bottle-to-sanitize I wouldn’t put diluted bleach in a spray bottle. It’s not a direct substitute for a commercial spray cleanser like Lysol. It’s caustic and damaging t...
by littlebird
Wed Apr 08, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Make Clorox Spray Instead of Lysol Spray
Replies: 77
Views: 5653

Re: Make Clorox Spray Instead of Lysol Spray

This recommends against putting Clorox bleach in a spray bottle: https://www.hunker.com/12525274/how-much-bleach-to-put-in-a-spray-bottle-to-sanitize I wouldn’t put diluted bleach in a spray bottle. It’s not a direct substitute for a commercial spray cleanser like Lysol. It’s caustic and damaging t...
by littlebird
Wed Apr 08, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Make Clorox Spray Instead of Lysol Spray
Replies: 77
Views: 5653

Re: Make Clorox Spray Instead of Lysol Spray

This recommends against putting Clorox bleach in a spray bottle: https://www.hunker.com/12525274/how-much-bleach-to-put-in-a-spray-bottle-to-sanitize I wouldn’t put diluted bleach in a spray bottle. It’s not a direct substitute for a commercial spray cleanser like Lysol. It’s caustic and damaging t...
by littlebird
Mon Apr 06, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17447

Re: What will you do first, once COVID pandemic is over?

TallBoy29er wrote:
Mon Apr 06, 2020 2:26 pm
Foredeck wrote:
Sun Mar 29, 2020 8:13 pm
My takeaways. . . . .

6.) Lastly, if I survive this experience, I want to leave living in the city. Like to have some land. Be far far away from people.
I like your list. We are going to do very similar things.
Keep in mind that “far away from people” means far away from health care.
by littlebird
Mon Apr 06, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17447

Re: What will you do first, once COVID pandemic is over?

Restart my move, which is at M minus 7 days and holding. Garage full of cartons. Packed everything I thought I could live without for “just a week”. Will need to unpack my crockpot and recipe books today or tomorrow. Paid April rent on the deluxe apartment in the sky, but sheltering in place in the ...
by littlebird
Tue Mar 31, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8818

Re: Did you move for better weather? Did you regret it?

Moved from the mid-Atlantic to the Phoenix metro. No regrets at all.
by littlebird
Sat Mar 28, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: Moving During A Pandemic
Replies: 17
Views: 1434

Re: Moving During A Pandemic

My house sale fell through when the buyer and I both got cold feet about moving in these circumstances. Since I was severely downsizing, I needed to have an estate type sale after I moved, but the 2 elderly couples who are very highly regarded in the area for doing this type sale also got cold feet....
by littlebird
Sat Mar 28, 2020 12:15 pm
Forum: Personal Investments
Topic: vanguard RMD w/h
Replies: 23
Views: 1114

Re: vanguard RMD w/h

Why don’t you convert the amount you would have withdrawn to Roth? You will pay the same tax that you were planning to pay anyways and it will help some future growth be tax free (in Roth) while also lowering future RMDs. Roth conversions are not allowed for Inherited IRAs. Ok, so convert from your...
by littlebird
Sat Mar 28, 2020 11:20 am
Forum: Personal Investments
Topic: vanguard RMD w/h
Replies: 23
Views: 1114

Re: vanguard RMD w/h

You may or may not have to deal with the required tax payments, since the withholding will be eliminated when you cancel the service. However, your income will also be down due to no RMD. That said, due to the chaos and confusion from all these rebates and tax changes, I would think that the IRS wi...
by littlebird
Thu Mar 26, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: What is with the printer paper delivery times on Amazon?
Replies: 39
Views: 2374

Re: What is with the printer paper delivery times on Amazon?

I've ordered a bunch of "non-essentials" off of Amazon over the past two weeks and just about everything has arrived before the initial estimated delivery date. I live in a major metropolitan area with an Amazon warehouse. +1 Same here. I don’t know what I would do without Amazon. I live alone, far...
by littlebird
Wed Mar 25, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24487

Re: Are you still going to the grocery store or using a delivery service? Which?

Are you still going to the grocery store or using a delivery service? Which? Still going. The local markets have set aside early-morning solely for "seniors". I used that yesterday to get some toilet paper for my son's family. Early morning hours OK, but some planners forgot many seniors don't driv...
by littlebird
Wed Mar 25, 2020 12:03 am
Forum: Investing - Theory, News & General
Topic: 7% Yield on High Yield Corporate > EM Debt
Replies: 62
Views: 4566

Re: 7% Yield on High Yield Corporate > EM Debt

mptfan wrote:
Tue Mar 24, 2020 3:06 pm
restingonmylaurels wrote:
Tue Mar 24, 2020 2:38 pm
You probably not getting many comments because most BHers would not deign to hold these funds.
That's not true, I think VWEAX is a good fund and I hold high yield bonds.
Me too. I’ve been satisfied with it for years and still hold it.
by littlebird
Mon Mar 23, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: New Amazon order & delivery processes?
Replies: 30
Views: 3190

Re: New Amazon order & delivery processes?

I ordered items from Amazon last thursday. Delivery was scheduledfor today 3/23/2020. Items came on One day early! I wish they would ring doorbell. My echo dot notified me of delivery. Somewhere, maybe scroll all the way down, I found a place that said something like “instructions to driver”. I ent...
by littlebird
Sat Mar 21, 2020 8:08 pm
Forum: Investing - Theory, News & General
Topic: COVID Crash: What did you get right?
Replies: 61
Views: 2810

Re: COVID Crash: What did you get right?

Although I had been an aggressive investor for much of my investing life, I sold almost all our (now my) equities in three tranches, in ‘17, ‘18, and ‘19. I wrote about it here several times while the market was high. A couple of weeks ago I exchanged out of Vanguard International in a tax-deferred ...
by littlebird
Wed Mar 18, 2020 11:48 pm
Forum: Investing - Theory, News & General
Topic: Fed to Backstop Money-Market Mutual Funds 3/18/20
Replies: 38
Views: 2990

Re: Fed to Backstop Money-Market Mutual Funds 3/18/20

That’s good because both of my brick and mortar banks want you to come in in person to open a new saving account, even if you already have another account with them, and both of them are now closed to everything except drive-thru banking, as of the coming Fri..
by littlebird
Sat Mar 14, 2020 12:29 pm
Forum: Personal Investments
Topic: What are people who are using their portfolio for income doing?
Replies: 42
Views: 1961

Re: What are people who are using their portfolio for income doing?

I’ve never needed to withdraw from my portfolio on a regular basis before (32 years retired and living modestly but comfortably on SS and late spouses pension, now gone) and I’ve never been almost all in cash or equivalents before. But, a year after being widowed, I’m “moving up to the east side, to...
by littlebird
Thu Mar 12, 2020 12:31 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

peskypesky wrote:
Wed Mar 11, 2020 9:47 pm
I'm guessing gyms will start closing too.
My mega senior community is shutting down all its extensive recreational facilities tomorrow, except for the golf courses.
by littlebird
Tue Mar 10, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning questions around revocable trusts and types of accounts
Replies: 25
Views: 1233

Re: Estate planning questions around revocable trusts and types of accounts

4) I have a brokerage acct at Merrill and they have a transfer-on-death form, which I setup for my wife. But if we both die, there wasn't a contingent section of the form for me to name the trust (like there has been on 401k, IRAs, life insurance, and so on). Any recommendations there? Why all the ...
by littlebird
Tue Mar 10, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning questions around revocable trusts and types of accounts
Replies: 25
Views: 1233

Re: Estate planning questions around revocable trusts and types of accounts

5) You typically don’t put your car in the trust since you tend to replace it every 5 or 10 years. Why would this make any difference? Because you can just avoid the bother and put the next car into the trust. I never put my cars into the trust. My state- well known for being hostile to the legal p...
by littlebird
Sun Mar 08, 2020 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3109

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

Forever stamp. My cancelled check is my return receipt. A forever stamp is good for only about 2 sheets of paper. A first class stamp covers 1 oz. That’s alway been 5 sheets plus an envelope in my long experience. Unless a forever stamp is different from a first class stamp? I’ve never heard that i...
by littlebird
Tue Mar 03, 2020 2:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19256
Views: 2673135

Re: U.S. stocks in free fall

This is probably the only time since I started investing that I am nervous and have no idea how to proceed with the cash in hand that I want to invest. Almost all asset classes are on sale, and I have a 25-30 years horizon. I don't want to catch a falling knife so not sure when/if to make the move....
by littlebird
Tue Mar 03, 2020 1:26 pm
Forum: Personal Investments
Topic: so the Fed cut the rate, how does that affect the market? investors?
Replies: 25
Views: 1980

Re: so the Fed cut the rate, how does that affect the market? investors?

It helps businesses which depend on borrowed money, like real estate developers.
by littlebird
Mon Mar 02, 2020 10:20 pm
Forum: Personal Investments
Topic: Seeking Advice for Mom Divorced in Retirement
Replies: 19
Views: 2457

Re: Seeking Advice for Mom Divorced in Retirement

What is the nature of the senior living facility? Is it a rental? A CCRC? Something else? Is an investment involved?
by littlebird
Sat Feb 29, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: If you have won the game, how much risk do you take?
Replies: 78
Views: 7070

Re: If you have won the game, how much risk do you take?

At 78, I have successfully met my late spouse’s long term care needs comfortably. I believe I can also meet my own, and live modestly but comfortably until then. I therefore am more interested in conserving what I have than in risking it to gather more. I would, therefore favor an allocations of 20-...
by littlebird
Thu Feb 20, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Exterior car detailing, waterless wash
Replies: 23
Views: 2103

Re: Exterior car detailing, waterless wash

I use Protect All Quick and Easy waterless wash. I learned to use it at RV parks where washing with hoses was not allowed, I used to wash a 30 foot trailer with it, nowadays I use it to wash 1/3 of a Toyota Camry each day until I finish it in 3 days. It’s probably time to let a commercial car wash t...
by littlebird
Thu Feb 20, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Having no luck finding a professional fiduciary
Replies: 46
Views: 3993

Re: Having no luck finding a professional fiduciary

Do any other states have this besides California? Good question. Don't know, but here's a firm in Arizona that specializes case management and fiduciary. I'm guessing most of the work for these types of companies is court appointed. And I'm guessing most of the folks doing this type of work go by o...
by littlebird
Tue Feb 18, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Do You Avoid Advertisements & Commercials?
Replies: 84
Views: 4798

Re: Do You Avoid Advertisements & Commercials?

I avoid ads. I don't watch TV and I have an ad blocker on my browser (although blocking Facebook ads is its biggest job). The problem is I feel quite cut off from popular culture. The whole brouhaha about ads on Facebook just leaves me puzzled since I never see any ads. Same thing with political ad...
by littlebird
Sat Feb 15, 2020 10:11 pm
Forum: Personal Investments
Topic: Share price research
Replies: 14
Views: 557

Re: Share price research

She does have the (many, many,) original certificates, showing the dates of purchase and number of shares. That could be quite promising. All you need, then, is an accurate source of stock prices and a list of stock splits. If nothing else, someone could look up stock tables in a library with old n...
by littlebird
Sat Feb 15, 2020 9:37 pm
Forum: Personal Investments
Topic: Share price research
Replies: 14
Views: 557

Re: Share price research

I must be very lost. If I understand what the OP is asking AND the context, I thought he said the party in question is a recent widow. So I would think she would have gotten a stepped up cost basis at her husband's death and that the relevant cost basis would be the value at the time of his death w...
by littlebird
Sat Feb 15, 2020 8:10 pm
Forum: Personal Investments
Topic: Share price research
Replies: 14
Views: 557

Re: Share price research

This looks looks like a project well beyond her or my capabilities. I hope someone can suggest a person or organization who can take this on. It would be a shame to have to use a 0 basis, which is what is shown on her 1099. This is just another instance of one spouse taking care of all financial mat...
by littlebird
Sat Feb 15, 2020 7:03 pm
Forum: Personal Investments
Topic: Share price research
Replies: 14
Views: 557

Share price research

A recently widowed acquaintance sold a great deal of GE stock in 2019 that she and her deceased husband had acquired from 1970 to 2000. Neither she nor the transfer agent have any idea what the basis (bases?) are of these shares. I believe there used to be companies that would do this research. Has ...