Search found 1668 matches

by littlebird
Fri Apr 16, 2021 4:18 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1272

Re: Hoover Vacuum Problem (Mystery Solved)

1. The agitator belt broke. I replaced the belt and every thing is in working order. It may even last another 23 years. We even had an extra belt on hand, so the out-of-pocket cost was $0. My grandmother’s early Hoover, a behemoth of chrome and black leather, lasted first her, then my mother, a tot...
by littlebird
Wed Mar 17, 2021 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any long term early retirees here?
Replies: 41
Views: 6613

Re: Any long term early retirees here?

Retired in 1988 at age 46 (though my spouse was older) on what most Bogleheads would consider barely adequate means, although spouse did have a very modest pension, and I still had career potential. Did all the (fairly modest type of) things we wanted to do, in the beginning. Grew older. After many ...
by littlebird
Fri Mar 12, 2021 2:16 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5193

Re: Mail to IRS--Certified

jhawktx wrote: Thu Mar 11, 2021 7:06 pm I've always used option 4...regular envelope with regular stamp. I've never had a problem in that multi-decade approach.
Me too. For 62 years.
by littlebird
Wed Feb 24, 2021 3:04 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5553

Re: What is the deal with "DW"?

I usually say “spouse”.
by littlebird
Thu Feb 18, 2021 10:18 pm
Forum: Personal Consumer Issues
Topic: Where would you live in Phoenix if you could WFH
Replies: 125
Views: 8295

Re: Where would you live in Phoenix if you could WFH

“ This is what I call a common misperception. The longer you live here, the better you acclimate to the hear. I have been here for 27 years and have grown to the point where I far prefer July and August to December and January. Anything up to 106 can be downright pleasant as long as you wear a hat w...
by littlebird
Wed Jan 13, 2021 12:36 pm
Forum: Personal Consumer Issues
Topic: Power is Out - Do you Know How Long Food Lasts in Fridge?
Replies: 39
Views: 2215

Re: Power is Out - Do you Know How Long Food Lasts in Fridge?

No more than 4 hours above 40 degrees for foods requiring refrigeration. I have not died nor gotten sick from eating food left out for more than 4 hours. When we were kids and when we were adults we would take lunches to school with lots of refrigerated items and eat them after they were out more t...
by littlebird
Wed Jan 13, 2021 12:06 pm
Forum: Personal Consumer Issues
Topic: Power is Out - Do you Know How Long Food Lasts in Fridge?
Replies: 39
Views: 2215

Re: Power is Out - Do you Know How Long Food Lasts in Fridge?

No more than 4 hours above 40 degrees for foods requiring refrigeration.
by littlebird
Mon Jan 11, 2021 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Someone Took Out an SBA Loan in My Name
Replies: 6
Views: 892

Re: Someone Took Out an SBA Loan in My Name

I had an experience similar to Runner 3081’s. I was alerted by Experian, under the aegis of Discover Card. They advised that they were better positioned to notify the SBA and they would do so. I froze my credit and filed a report with my county Sheriff, which is my local police agency. Never heard a...
by littlebird
Sun Jan 10, 2021 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any couples out there who retired at different times?
Replies: 26
Views: 2480

Re: Any couples out there who retired at different times?

It works fine if it’s what both of you want, and both stay alive until some reasonable number of years after the second one retires. But it can be very sad if one of the two dies suddenly during the half-retirement and there’s never a chance for the couple retirement that can cap a life together. It...
by littlebird
Fri Jan 01, 2021 9:20 pm
Forum: Personal Consumer Issues
Topic: Where to register and insure RV if stored at our second home out of state?
Replies: 13
Views: 843

Re: Where to register and insure RV if stored at our second home out of state?

So I might buy a used RV soon. We live in Florida and are Florida residences with Florida DL's. We have a second home in Alabama. When we are not traveling we will be parking our RV at pur Alabama house. Sould I try and register and insure the RV in Florida or Alabama? I think if the the RV is pres...
by littlebird
Fri Dec 25, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Favorite Travel Experiences
Replies: 178
Views: 12954

Re: Favorite Travel Experiences

Seeing the Shalako dancing by lantern and torch light on a moonless night on the Zuni Reservation, a ritual closed to outsiders the next year. Rafting down the Snake River, in Wyoming, watching an egret snatch a trout from the beak of a bald eagle not four feet in front of us. Seeing a jagurandi cat...
by littlebird
Fri Dec 25, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect cash for final expenses?
Replies: 39
Views: 2766

Re: How to protect cash for final expenses?

Medicaid allows you to have funds set aside for burial/final disposition. Yes, the irrevocable burial plan/trust discussed in the link by GAAP above. That could be a last resort option if it is not subject to the 5 year lookback thing. I wouldn't want to make it irrevocable until necessary, If/when...
by littlebird
Thu Dec 24, 2020 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect cash for final expenses?
Replies: 39
Views: 2766

Re: How to protect cash for final expenses?

Medicaid allows you to have funds set aside for burial/final disposition.
by littlebird
Mon Dec 21, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: Iphone/Ipad Security?
Replies: 4
Views: 552

Re: Iphone/Ipad Security?

One of you needed to push the disconnect button, which is red with an X across it. Just like you have to disconnect any phone call, landline or cell.
by littlebird
Mon Dec 21, 2020 8:09 pm
Forum: Personal Investments
Topic: Vanguard info concerning annuity handoff..
Replies: 12
Views: 1244

Re: Vanguard info concerning annuity handoff..

I have a Vanguard Variable Annuity that Vanguard is moving to Transamerica. Has anyone heard whether the fees that Transamerica will charge are the same as Vanguard's? I sure hope so. Did you ever receive an info packet from Transamerica? Did they send an info packet? I received just a vague letter...
by littlebird
Thu Dec 10, 2020 8:42 pm
Forum: Personal Investments
Topic: Vanguard Annuity Transition to Transamerica
Replies: 190
Views: 14467

Re: Vanguard Annuity Transition to Transamerica

If that's an accurate copy and paste of their email response it rings an alarm with me. How can I expect them to be accurate with my account if they don't know about spelling, grammar or punctuation? Agree. That writer’s command of the English language is not commensurate with her/his level of resp...
by littlebird
Tue Dec 08, 2020 6:39 pm
Forum: Personal Investments
Topic: Vanguard Annuity Transition to Transamerica
Replies: 190
Views: 14467

Re: Vanguard Annuity Transition to Transamerica

I think I’ll wait ‘til everything calms down. I made a hard copy of my account last month. Just as a reference point, I have another VVA that I’ve already annuitized, and Transamerica has been doing a very competent job of servicing it. If the first of the month is a Monday, the money is in my accou...
by littlebird
Tue Dec 08, 2020 12:02 am
Forum: Investing - Theory, News & General
Topic: Which brokerages are providing excellent service now?
Replies: 32
Views: 2204

Re: Which brokerages are providing excellent service now?

You may not need much in the way of customer service when you are younger, but as you get older, your outlook changes. We’ve had a number of deaths in my family over the past two years. When my wife died two plus years ago, Vanguard was very good. I had one person to deal with, could always contact...
by littlebird
Mon Dec 07, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: Have you reduced vacation travel if you move to a nice place in retirement?
Replies: 23
Views: 1913

Re: Have you reduced vacation travel if you move to a nice place in retirement?

We did, but neither of us had any desire for international travel, and our itch for RV travel around the west had been amply scratched. We did enjoy a second home in a scenic resort area nearby, and that, together with the amenities at our mega senior community main home, were enough to satisfy our ...
by littlebird
Thu Dec 03, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?
Replies: 232
Views: 24361

Re: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?

Came back to report that houses in my mega-senior community are now, it was reported in our local what-passes-for-a-newspaper, selling, sometimes sight-unseen, at prices 30% higher than last year. So that might answer your question.
by littlebird
Wed Dec 02, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: USPS Never Delivered/Package Returned to Sender
Replies: 13
Views: 1160

Re: USPS Never Delivered/Package Returned to Sender

I had an ebay USPS package that was shipped, delayed, and then delivered it back to me! I took it to the post office, and the very helpful clerk immediately took it back and they resent it. No idea why. I have generally found the USPS to be reliable (some individual carriers vary, but my current la...
by littlebird
Mon Nov 30, 2020 2:19 pm
Forum: Personal Consumer Issues
Topic: Is Our Olive Oil Real?
Replies: 57
Views: 6241

Re: Is Our Olive Oil Real?

I react to soybean oil, but have had no trouble with California Olive Ranch, which I use exclusively. I do not react to nuts, however.
by littlebird
Thu Nov 19, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Laptops for seniors
Replies: 26
Views: 1467

Re: Laptops for seniors

As a senior myself, I’ve found a laptop not to be compatible with my never-sitting-bolt-upright-anymore lifestyle. I find my iPad adapts much better to sofa and recliner and countertop use.
by littlebird
Mon Nov 16, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a Funeral
Replies: 61
Views: 5166

Re: Paying for a Funeral

... My mother always says that funerals are for the living... And I agree with your mother. In fact my end of life instructions say to go cheap on my funeral as the money is better spent on the living than the dead. Any yet I couldn't disrespect DW's memory that way. When DW's first husband died hi...
by littlebird
Thu Nov 12, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Paying for a Funeral
Replies: 61
Views: 5166

Re: Paying for a Funeral

Thanks for the link, we have talked about donating to science in the abstract but I had never looked into how it actually would work. My spouse and I had not made any arrangements other than choosing two possible crematoriums to be called when he passed away, which did occur in Feb.,2019. After rec...
by littlebird
Mon Nov 09, 2020 10:42 am
Forum: Personal Investments
Topic: Schwab Dashboard Missing Cost and Net Gain/Loss
Replies: 3
Views: 420

Re: Schwab Dashboard Missing Cost and Net Gain/Loss

They’re reporting problems in displaying data.
by littlebird
Thu Nov 05, 2020 11:37 pm
Forum: Personal Consumer Issues
Topic: What do you give your adult children at holiday time?
Replies: 175
Views: 12638

Re: What do you giver your adult children at holiday time?

A hug, those years that I see them.
by littlebird
Thu Nov 05, 2020 5:14 pm
Forum: Personal Investments
Topic: Management help for wife when I am gone
Replies: 35
Views: 3084

Re: Management help for wife when I am gone

This is my plan. Everything in the same LifeStrategy fund across 3 accounts. She takes withdrawals from tIRA as long as it lasts, Roths are backup funding and legacy. I also plan a one-fund portfolio, either Vanguard Balanced Index Fund (VBIAX) or Vanguard LifeStrategy Moderate Growth (VSMGX). For ...
by littlebird
Thu Nov 05, 2020 1:09 pm
Forum: Personal Investments
Topic: Management help for wife when I am gone
Replies: 35
Views: 3084

Re: Management help for wife when I am gone

I would populate each account with a single fund, perhaps a Vanguard LifeStrategy fund or other balanced fund, that is consistent with your desired allocation. If there is only a single fund in each account there is no need for rebalancing. It couldn't be easier. You may have to pay a slighly highe...
by littlebird
Fri Oct 30, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8506

Re: Heat - What do you set your temps to in Winter?

Munir wrote: Fri Oct 30, 2020 1:48 pm 73 day and night-old man syndrome :happy .
Old women have the same syndrome. I’m thinking of raising it a degree a year. Last year was 73. In the summer I make up for it by keeping the a.c. at 80. Sometimes I get chilly and turn it up to 81. It’s very hot outside here.
by littlebird
Fri Oct 30, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds and Succession plans
Replies: 20
Views: 1007

Re: Donor Advised Funds and Succession plans

I have a Vanguard DAF to pass money to my selected charities after my death. You create the account now. Reference it in your will. The DAF is easy. Option 1) Distribute all of your money in the DAF to your charities immediately. Option 2) Distribute a minimum of 5% annually to your selected charit...
by littlebird
Fri Oct 30, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Is it worth adding Whole House Air Purifier or UV Germicidal Lamp System to Heat Pump
Replies: 21
Views: 1644

Re: Is it worth adding Whole House Air Purifier or UV Germicidal Lamp System to Heat Pump

Having just had a new 5-ton Trane heat pump pre-emptively installed this week, I’m very impressed that my vendor never even mentioned either of these options to me. He did mention the multi-stage units, but nothing else.
by littlebird
Thu Oct 29, 2020 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Last person standing. Estate plan dilema.
Replies: 46
Views: 4591

Re: Last person standing. Estate plan dilema.

Please be careful in NY State. My uncle's will was contested by the State. He was a single man, deceased parents, no siblings. He left his estate to 9 people but since none were "direct relations" the State forced us to document the family tree to show that there was in fact, no immediate...
by littlebird
Wed Oct 28, 2020 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Last person standing. Estate plan dilema.
Replies: 46
Views: 4591

Re: Last person standing. Estate plan dilema.

Please be careful in NY State. My uncle's will was contested by the State. He was a single man, deceased parents, no siblings. He left his estate to 9 people but since none were "direct relations" the State forced us to document the family tree to show that there was in fact, no immediate...
by littlebird
Wed Oct 21, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Trane HVAC - Bad Experience
Replies: 55
Views: 3577

Re: Trane HVAC - Bad Experience

This thread came at just the right time for me, as I was mulling over my options for pre-emptively replacing my 17- year old Carrier heat pump. Just arranged for a new 5 ton, single stage Trane. I decided to go with the Trane because the Trane dealer has the best reputation in the area and among my...
by littlebird
Wed Oct 21, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Trane HVAC - Bad Experience
Replies: 55
Views: 3577

Re: Trane HVAC - Bad Experience

This thread came at just the right time for me, as I was mulling over my options for pre-emptively replacing my 17- year old Carrier heat pump. Just arranged for a new 5 ton, single stage Trane. I decided to go with the Trane because the Trane dealer has the best reputation in the area and among my ...
by littlebird
Tue Oct 20, 2020 12:27 pm
Forum: Personal Investments
Topic: WSJ Case Study on Retirement
Replies: 48
Views: 6346

Re: WSJ Case Study on Retirement

Brief retrospective case study: My spouse and I retired 32 years ago with the equivalent of today’s $500,000, but that included our house. My spouse had a very modest pension. We had a plan B in that I was still in my 40’s with a professional degree and could have gone back to work if necessary. It ...
by littlebird
Sat Sep 26, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: estate planning attorneys: how to split an inheritance?
Replies: 28
Views: 2402

Re: estate planning attorneys: how to split an inheritance?

If you decide to do this, make sure your executor is instructed to sell all assets and distribute cash. Otherwise one child and three grandchildren might decide they’d like to have the house as their shares (try writing that deed). Don’t ask me how I happened to know about this issue.
by littlebird
Mon Sep 21, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: Simplest Tracfone Prepaid Phone
Replies: 15
Views: 896

Re: Simplest Tracfone Prepaid Phone

DTalos wrote: Mon Sep 21, 2020 7:48 pm My current Samsung J3 Luna Pro is unable to play voicemail messages. Even a reset of the phone is of no help. Do these phones last but a couple years?
Call your tracfone provider ( mine is Verizon) and change your voicemail password through them. Worked for me with same phone.
by littlebird
Sat Sep 19, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: OLD papers [How do I dispose of old papers?]
Replies: 53
Views: 4117

Re: OLD papers

If you have a B&M bank - see if they have a free clean out/ recycle day for old papers. I brought lots of paper bags filled with old papers to UPS for secure disposal (retail store location). You have to pay a fee. Buy a shredder and do the shredding yourself. The put in recycling. My recycler ...
by littlebird
Mon Sep 14, 2020 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Part D Medicare
Replies: 15
Views: 1198

Re: Part D Medicare

Thank you everyone who responded. Given my friend’s condition, I think a specialty insurance agent would be the best idea. I consulted my very plugged-in neighbor and got a referral for my friend. Thanks again. I didn’t even know there were such agents. :beer
by littlebird
Mon Sep 14, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Part D Medicare
Replies: 15
Views: 1198

Part D Medicare

A friend, recently widowed, whose spouse always handled the insurance, has Part D Medicare from AARP. She is an insulin dependent diabetic and has several other conditions that require medication. She is paying copays of many hundreds of dollars per prescription for many of these medications, with h...
by littlebird
Sun Sep 13, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How to Handle Failure to Receive Stimulus Check on Taxes?
Replies: 13
Views: 1897

Re: Still Waiting for Godot ... Oops I Mean Stimulus Check

I never received mine either. I’m just as happy and intend to take it as a credit on my 2020 income tax, which will substitute for my usual withholding from my RMD, which is not in play this year. :wink: Only problem I have with this is that my May 22 letter says that they are mailing to me (for so...
by littlebird
Sat Sep 12, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: How to Handle Failure to Receive Stimulus Check on Taxes?
Replies: 13
Views: 1897

Re: Still Waiting for Godot ... Oops I Mean Stimulus Check

I never received mine either. I’m just as happy and intend to take it as a credit on my 2020 income tax, which will substitute for my usual withholding from my RMD, which is not in play this year. :wink:
by littlebird
Wed Sep 09, 2020 10:51 am
Forum: Personal Investments
Topic: Immediate Annuity Satisfaction or Regrets?
Replies: 66
Views: 4662

Re: Immediate Annuity Satisfaction or Regrets?

I annuitized one of my two Vanguard Variable Annuities - pretty much the same action as buying an immediate annuity - when I was about 74 and had $4000/month assisted living bills for my husband, and no pension of my own. I had originally funded the Variable Annuities many years ago to serve as my p...
by littlebird
Tue Sep 01, 2020 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 112
Views: 9025

Re: Continuing Care Retirement Community Entrance Fee

InMyDreams wrote: Mon Aug 31, 2020 3:10 pm If it's been mentioned, I'm sorry -

The local CCRC here (and others that I've heard of) will return your 90% of the money only after they sell/rent your apartment/villa to someone else.
And after they charge you for restoring to original configuration any remodeling you’ve done.
by littlebird
Mon Aug 31, 2020 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity sent information packet about my Solo 401k to my wife
Replies: 28
Views: 3427

Re: Fidelity sent information packet about my Solo 401k to my wife

Vanguard used to do bizarre things like this too. At one point they started addressing my individual account statements to “ The Littlebird Family”, as though it were a Christmas card. Another time they wrote to my spouse, not at our joint address of record - our p.o. box - but to our home address, ...
by littlebird
Mon Aug 31, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 52096

Re: How to get over finance envy

I once heard a snippet of conversation that has stayed with me for many years to illustrate how, for people who watch other people’s lives, there’s always more to want. Volunteering for a nonprofit, I got to go to a fundraising soirée put on for high net worth donors, largely professional athletes a...