Search found 1358 matches

by lululu
Sun Jan 18, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

I ordered the Drinkwell Pagoda Porcelain Pet Drinking Fountain. motivated mostly by the comment about plastics. I dimly recall one of my previous cats having a problem with plastic. This arrived. A short struggle with the assembly instructions, and it is working. The cat is not interested at the mo...
by lululu
Fri Jan 16, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: form 8606 question
Replies: 8
Views: 1960

Re: form 8606 question

I forgot an 8606 one year, and when I discovered that just filed an amended return and a letter to the IRS. No sweat.
by lululu
Fri Jan 16, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Do You Keep Tax Records?
Replies: 28
Views: 4489

Re: How Long Do You Keep Tax Records?

johnep wrote:The IRS only requires 3 years of records. However, if they find issues, they require 7 years. Why keep them a day longer?
The IRS requires IRA records to be kept forever.
by lululu
Fri Jan 16, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 17319

Re: This topic is causing stress in marriage we need some he

There are apparently tax advantages to the wife's money, whereas the husband's gold and silver seems to be in the mattress. Yes. Selling non-retirement assets (gold and silver) without a penalty instead of retirement with a penalty is a much better idea. Huh? There is certainly a penalty to selling...
by lululu
Fri Jan 16, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: $10k deductible on health ins. should i file outpatient
Replies: 29
Views: 3397

Re: $10k deductible on health ins. should i file outpatient

I love how people keep referring to the insurance payments to providers as "negotiated" rates. There is no negotiation....insurance companies pay what they want to, i.e., as little as they can while trying to keep to many providers from dropping out.. I'm also a doctor, I think toof is a ...
by lululu
Fri Jan 16, 2015 7:36 am
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

We let our drink out of the sink faucet, but they have to jump up and ask us to turn it on. And of course they don't know how to turn it off when they're done. Get the fountain. We used to do that too. But, drinking out of the faucet became a problem when the kitties became old and less coordinated...
by lululu
Fri Jan 16, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 17319

Re: This topic is causing stress in marriage we need some he

I'm a +1 for selling your gold and silver if it's not in a taxable account. Your wife doesn't want to take money out of her account, are you willing to liquidate your assets? In my marriage there isn't his and hers money, there is only our money. At which point, your accusatory question is meaningl...
by lululu
Fri Jan 16, 2015 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 8352

Re: Getting deposed -- do I need to hire my own lawyer?

And besides, they laid me off. :annoyed I wouldn't lift a finger to help the employer who laid me off, so you're more saintly than I am. They have some chutzpah coming to you for help. Hopefully you get some political capital out of this, or actual capital. At a minimum: first-class airfares/hotel,...
by lululu
Thu Jan 15, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 6374

Re: How much food to you really keep?

Caduceus wrote:I used to hoard food because I hate grocery shopping. But then power failures during the winter, and then an unhappy incident with an enterprising rat (who found his way into my entire stock of dried food supplies) changed me.
I store dried food supplies in large glass jars.
by lululu
Thu Jan 15, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 6374

Re: How much food to you really keep?

I went through a purge of our pantry recently and found a bunch of cans of expired food. So don't forget to rotate your stock when you come home from the market, otherwise you may end up like me, throwing out food that should have been eaten. Mike I do a look for and throw out expired food periodic...
by lululu
Thu Jan 15, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 6374

Re: How much food to you really keep?

I have fourteen mouths to feed, so during the winter months when there is a chance of a blizzard and I might not be able to get out, I stockpile a huge amount of food in the house. However, this canned food with handy pop-top lids has names like Meaty Bits in Gravy, Gourmet Grill, Turkey Prime fill...
by lululu
Thu Jan 15, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 17319

Re: This topic is causing stress in marriage we need some he

Sounds like the OP is MIA... Probably doesn't care for the truth: The wife is the sensible financial person in the marriage. As they are running short, he needs to get a full time job or an additional part time job. Leave her retirement savings alone. Be much more frugal. Use the income from the jo...
by lululu
Thu Jan 15, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

What are the filters supposed to filter out? Our tap water tastes disgusting, so I put Poland Spring in my cat's water bowl. I could just put that in the fountain, yes?
by lululu
Thu Jan 15, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 6374

Re: How much food to you really keep?

I don't have a separate freezer, since power failures happen too often. I do have a kitchen closet with canned goods and water in case of a prolonged snow-in, broken foot, or whatever. I would say between the fridge, kitchen regular storage, and kitchen closet, I have maybe a month's worth of food.
by lululu
Thu Jan 15, 2015 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 10200

Re: Reporter doing story on Turbo Tax Fracas

Polishing fingernails while noting that we by hand people only pay the cost of postage.
by lululu
Thu Jan 15, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 5436

Re: Options for moving our pets across country

you have to take the cat out of the carrier at the TSA security checkpoint so the carrier can be xrayed and screened. If the cat is not used to being in a harness and is traveling with an unknown handler, this is a recipe for disaster. There have been cases of cats getting loose at the checkpoint. ...
by lululu
Thu Jan 15, 2015 8:43 am
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 5436

Re: Options for moving our pets across country

Without reading all the responses, I will say that I have heard of horrible things happening to animals on planes when they were unaccompanied by their owners or in the supposedly pressurized cargo hold. Luggage shifting and causing asphyxiation, freezing, insufficient pressure, etc. Being accidenta...
by lululu
Thu Jan 15, 2015 6:58 am
Forum: Personal Consumer Issues
Topic: Good for property value ?
Replies: 20
Views: 2929

Re: Good for property value ?

Our neighbors on one side are more of the old working class long time resident types in a bit run down 3-family. Their son who lives with them, and we've known since he was a little kid, recently became a local police officer. Good for him and nothing against them in general, but in cold hard real ...
by lululu
Thu Jan 15, 2015 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Newly Engaged - Time to Talk Finances with Fiancee
Replies: 25
Views: 3794

Re: Newly Engaged - Time to Talk Finances with Fiancee

Something bothers me about the OP's post. Have you acquired no idea of how she thinks about money during the time you've spent together? This whole things sounds very patronizing, like she's someone who's attitudes you have to inform and direct. How about a discussion between equals?
by lululu
Wed Jan 14, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Good for property value ?
Replies: 20
Views: 2929

Re: Good for property value ?

Actually, living next to atrocious summer neighbors who party half the night or more and rent their house out in the winter to people who do the same, I invite a cop to move into the neighborhood :)
by lululu
Wed Jan 14, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: PLEASE advise: steps to take when a person dies
Replies: 19
Views: 2627

Re: PLEASE advise: steps to take when a person dies

I had the advice of an attorney and a CPA, both of whom specialized in trusts and estates when I handled my relative's. The estate/trust was about two commas, but it was worth it not having to find out what to do myself. The whole process is so complex and time consuming that help is better.
by lululu
Wed Jan 14, 2015 3:28 pm
Forum: Personal Investments
Topic: Moving a regular taxable joint account to our Living Trust
Replies: 6
Views: 626

Re: Moving a regular taxable joint account to our Living Tru

All I had to do to re-own my taxable accounts to my revocable living trust was send a request and some pages of the trust to the various financial institutions. I think it was the title page and the signature page, but they can tell you.
by lululu
Wed Jan 14, 2015 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 7458

Re: Downside of putting condo in a trust

travellight wrote:I thought trusts did save on costs and hassle after you die. Why do a living trust then? Who should do it? Seems like it is of no benefit to most people?
In my state a revocable living trust makes the executor's life much simpler.
by lululu
Wed Jan 14, 2015 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: PLEASE advise: steps to take when a person dies
Replies: 19
Views: 2627

Re: PLEASE advise: steps to take when a person dies

Very sad.

This is why every adult should have clear financial directions written down where their likely survivors know where to find them, with copies off-site in case the house burns down or something.
by lululu
Wed Jan 14, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Notice: we're closing your credit card account
Replies: 11
Views: 2836

Re: Notice: we're closing your credit card account

I think this is a lot of worry about nothing. I have changed cards, had one closed for inactivity, never saw more than a blip in my credit score. The only reason I even know the latter is my credit union secure emails it to me monthly.
by lululu
Wed Jan 14, 2015 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 7458

Re: Downside of putting condo in a trust

bsteiner wrote:Revocable trusts do not save or cost any estate taxes.
In the case of a relative for whom I was executor/trustee, there was a $1000 savings on town estate tax because her assets were in a trust. Only the stuff subject to probate was taxed.
by lululu
Wed Jan 14, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 56
Views: 9674

Re: Is this an unreasonable quote for interior home painting

Mingus wrote: I know its the "in thing" now to paint clear wood trim white, but I suggest you rethink that.
+1 The condo is not a historic house of course, but one of the horrendous things about restoring such is the work to remove paint someone slapped over wood trim.
by lululu
Tue Jan 13, 2015 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 16001

Re: POLL: Homeowners Ins cost $/month per $100k home value?

At $11/mo, I'm concerned we don't have enough coverage, because we can't be getting that good of a deal...or are people here over-insured!? :confused Our coverage is broken up by dwelling and personal property. We're covered at 57% of the home value for dwelling, so assuming the worst, we'd have to...
by lululu
Tue Jan 13, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

Without including the long post about Massachusetts regulations, I know the cat has struvite crystals, so I know what foods I am looking for.
by lululu
Tue Jan 13, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

fyi... i just added Hills CD to my cart (didn't place the order) at Amazon and i didn't see any "prescription" warnings... I guess Hill's just couldn't pass on the potential $$ from Amazon ... :) don't forget to use the amazon link from Bogleheads! Cheers, Packet Don't know about Amazon, ...
by lululu
Tue Jan 13, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 7458

Re: Downside of putting condo in a trust

Besides, I dont think I have had EVERYTHING titled into the trust at one time over the past 15 years, so probabe was going to happen anyway. Wills can have a rollover provision that everything the person owns when they die that is not in the trust, goes into the trust. Sure in my state one still go...
by lululu
Tue Jan 13, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

Drat. I got almost to the end of placing an order on chewy.com, and then it flagged two of the three items as Vet approval required. I do have an appointment with another vet coming up.
by lululu
Mon Jan 12, 2015 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 8643

Re: Doing my taxes by hand

likegarden wrote: This year the price at Turbotax went to $91 minus a $10 coupon, which includes investments and state filing. For the same scope H&R Block only asks for $36.99, so I probably will use H&R Block, which states they will transfer my Turbotax files from last year.
$37 is actual money.
by lululu
Mon Jan 12, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 8643

Re: Doing my taxes by hand

lazyday wrote: I had forgotten how opaque the process is, writing down numbers and adding/subtracting in ways that obscure what's happening.
One year I tried figuring out the actual formulas some worksheets were doing, but I gave up.
by lululu
Mon Jan 12, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

Our kitties have had urinary issues and we solved the problem with Purina UR cat food. It comes in wet or nugget form and is available ( I think ) only from a vet. Knock on wood we haven't had any problems since they began the UR last year. You can get feline Purina UR from a reseller on Amazon, bu...
by lululu
Mon Jan 12, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Should pension plans be relied upon for retirement?
Replies: 35
Views: 4413

Re: Should pension plans be relied upon for retirement?

My corporate career taught me not to trust the buggers. I've always preferred to control my own destiny, relying on 401K, 403b, etc. and moving the money with me when I left. +1 That's what I did. Some years back, MegaCorp changed our pensions to lump sums. I took the lump sum for just those reason...
by lululu
Sun Jan 11, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Selling mineral rights to land?
Replies: 55
Views: 11187

Re: Selling mineral rights to land?

I can't help you with the details of your situation. Only an anecdote of a similar situation. My mother (in her 80s) received a similar letter offering $5K for her mineral rights in Colorado (something she had no idea she had as her father died 30 years previously). Most of her siblings jumped on i...
by lululu
Sun Jan 11, 2015 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase New House Before Selling Old
Replies: 17
Views: 2221

Re: Purchase New House Before Selling Old

I do know that you will have great difficulty obtaining a mortgage if you not employed. I almost learned this lesson the hard way, but my retirement was delayed by several months. It seems that your assets and credit score matter little when trying to obtain a mortgage. I found that also when I was...
by lululu
Sun Jan 11, 2015 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 16001

Re: POLL: Homeowners Ins cost $/month per $100k home value?

$2400 per year on $500K house in coastal New England.
by lululu
Sun Jan 11, 2015 5:58 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

I ordered the Drinkwell Pagoda Porcelain Pet Drinking Fountain. motivated mostly by the comment about plastics. I dimly recall one of my previous cats having a problem with plastic.
by lululu
Sun Jan 11, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 8643

Re: Doing my taxes by hand

+1 I do mine by hand, by which I mean no tax software. I used to use paper and pen exclusively and a calculator, but now I have various things for Schedules A and B, for example, in Excel spreadsheets. I copy the results onto the paper forms in ink. I like to know what's happening with my money inst...
by lululu
Sun Jan 11, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: If you were me, how much would your home budget be?
Replies: 36
Views: 5341

Re: If you were me, how much would your home budget be?

I personally would be nervous about buying a $600,000 house with the savings you have and imminent increased responsibilities. I assume, as a side note, that you and your spouse are up to the gills with life insurance and have done wills, powers of attorney for health care, guardian for kid(s)...? H...
by lululu
Sun Jan 11, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

Thanks, folks. I appreciate all the answers and suggestions.
by lululu
Sun Jan 11, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: mattress topper
Replies: 15
Views: 3909

Re: mattress topper

Thanks everyone.
by lululu
Sat Jan 10, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

Re: cat water fountain

gkaplan wrote:What's wrong with just a water bowl? (If your cat has urinary issues, it's best to feed him or her wet food and not dry food.)
The cat is getting special food for this. The vet says the fountains are more appealing to cats than water bowls, but I will have both available.
by lululu
Sat Jan 10, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: mattress topper
Replies: 15
Views: 3909

mattress topper

I'd like to buy a mattress topper, since my firm bed is too firm now that I have a hopefully temporary hip issue. A lot of mattress toppers are made out of Latex, to which I'm allergic, or down, which I prefer not to buy out of animal welfare concerns. There's also a mind boggling price range, with ...
by lululu
Sat Jan 10, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 21716

cat water fountain

So the vet says to buy a water fountain for pets to encourage the cat to drink water, because the cat has a urinary issue. There are numerous designs available. Anyone have any words of wisdom? Thanks.
by lululu
Sat Jan 10, 2015 7:47 pm
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 8925

Re: Mice in the house

DoWahDaddy wrote:For mice, buy catchmaster glue boards. No risk of injury to pets or kids. They are effective, and clean up is easy. Be nice to your spouse, your kids, and your fellow man, and you'll gain entry at the pearly gates on the express line.
Unless Saint Peter likes mice.
by lululu
Sat Jan 10, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 8925

Re: Mice in the house

Please don't use poison to get rid of mice, because animals higher up the food chain like cats and hawks will die/suffer terribly from secondary poisoning when they eat those mice, which are easy for them to catch compared to non-poisoned mice. It used to be that every six months or so a mouse or tw...
by lululu
Sat Jan 10, 2015 11:12 am
Forum: Personal Investments
Topic: Can you TLH seized assets?
Replies: 5
Views: 872

Re: Can you TLH seized assets?

TLH? more characters to keep the software happy.