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Re: Sidewalk - Fix whole? or Part?

Thank you all very much! The pavers are in good condition. I don't believe they've ever been sealed - I actually never thought about sealing them. We actually have extras. I really like the idea of saving a bit of money and doing the job myself. It's interesting to hear that it is possible to just t...
by HogsAndApples
Tue Jul 01, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Sidewalk - Fix whole? or Part?
Replies: 14
Views: 727

Sidewalk - Fix whole? or Part?

Hi! I'm looking for your advice and wisdom. I have a curved sidewalk that is overall in good shape, however along the inside some of the pavers are lower than the plastic containing rim which has heaved up. The plastic container rim can be seen in its entirety in those areas. I've had two landscaper...
by HogsAndApples
Tue Jul 01, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Sidewalk - Fix whole? or Part?
Replies: 14
Views: 727

Re: Gutter Strainer - Is this worth it?

Thank you everyone for your suggestions, comments and advice. This is very helpful. rkhusky seemed to be speaking about our dilemma when he wrote "We have a problematic gutter, whose downspout goes underground, so we don't want much to go down there, while at the same time, if the gutter overfl...
by HogsAndApples
Thu Jun 05, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Gutter Strainer - Is this worth it?
Replies: 14
Views: 1469

Gutter Strainer - Is this worth it?

I would appreciate you advice. In the spring, the Silver Maple tree I have clogs the gutters. Currently, I am using mesh gutter strainers and they get clogged with Maple Tree helicopters and debris repeatedly. I found this product on the internet and wondered if any of you have used it ... does it r...
by HogsAndApples
Wed Jun 04, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Gutter Strainer - Is this worth it?
Replies: 14
Views: 1469

Re: Starting a business question

I would not start a business in which I only had 20% stake or as a loan. Whether it is a stake or a loan, I would rethink the whole arrangement. I would definitely seek advice from a lawyer that specializes in the business area in which you want to start a business and has no connection with person ...
by HogsAndApples
Tue May 27, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting a business question
Replies: 36
Views: 1798

Pros and cons? re: Withdrawing from retirement account early

I was wondering about some general advice I recently read that stated it was better for people to start withdrawing at 59 1/2 from their retirement accounts rather than waiting until they had to take mandatory withdrawals at 70 1/2. Curt Whipple said that it was better to do this and pay the taxes n...
by HogsAndApples
Mon May 12, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Pros and cons? re: Withdrawing from retirement account early
Replies: 14
Views: 1536

Re: Healthy Eating/Lifestyle Forum(s)

A healthy eating/lifestyle forum that is of the same caliber as Bogleheads.org? We are primed everyday to believe this or that about diet and lifestyle. Educating ourselves is really important. My suggestion would be just like the Bogleheads to read a variety of books, to keep an open mind, to quest...
by HogsAndApples
Wed Apr 02, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Healthy Eating/Lifestyle Forum(s)
Replies: 16
Views: 2277

Re: EIN# or SS#?

Excuse me, I made an error. I did not understand why the 1040 was being brought up. My question is about whether or not a sole proprietor - freelancer must provide an SS # to a client if the sole proprietor has provided an EIN (Employer Identification) number instead of an SS number. I am being told...
by HogsAndApples
Mon Mar 10, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: EIN# or SS#?
Replies: 6
Views: 615

Re: EIN# or SS#?

I am asking whether or not one must give a potential client / business an SS# even though you have already provided an EIN number? If I give an EIN number, as a sole proprietor, I would use that on my 1040. Assume for the purposes of this question that I am starting a new business and haven't given ...
by HogsAndApples
Mon Mar 10, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: EIN# or SS#?
Replies: 6
Views: 615

EIN# or SS#?

As a sole proprietor I can use either an EIN or Social Security Number when freelancing. I've read and been told numerous times that I ought to use an EIN number, that way, I am not giving out my SS#. I like that idea. However, my CPA, on told me that EVEN if I have an EIN number, the company I do b...
by HogsAndApples
Mon Mar 10, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: EIN# or SS#?
Replies: 6
Views: 615

Ethics and Small Business / Microbusiness

I'm looking for ethics resources and have been unable to find exactly what I'm looking for. I've come across some interesting situations and I'd like to get some additional perspective related to the following questions: 1. When is it unethical to ask or use people you have business / personal relat...
by HogsAndApples
Sun Feb 23, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Ethics and Small Business / Microbusiness
Replies: 3
Views: 363

Re: Confused by Cell Phone Plans

With respect to DSInvestor's post and T-Mobile . . . I just heard from T-Mobile (in-store*) that I can purchase for $35/mo. unlimted talk and text for my iPhone. If you are not on contract, this can be a less expensive route as there are so many places to connect through wifi. So there are some mont...
by HogsAndApples
Wed Feb 05, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Confused by Cell Phone Plans
Replies: 19
Views: 1598

Re: Anyone feed the birds?

I don't feed the birds or any wildlife - I tend to think it is more helpful to them not to.

That said, on near the coldest day this winter AND there have been some cold ones, 15-20 robins visited a single bush in my backyard - magical to see.
by HogsAndApples
Wed Jan 29, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Anyone feed the birds?
Replies: 84
Views: 6852

Re: Does anyone have a bat house?

What an interesting question! I don't have a bat house. I know bats are important ecologically. I would tend not to want a bat house near my house because, I believe, they can carry rabies. I'll be interested to read more.

Why do you want a bat house?
by HogsAndApples
Wed Jan 29, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1946

2 Factor Authentication: Yea? Nea?

I opened a gmail account. I started with a nice strong password to begin with ... and I received notification from google that someone had attempted to gain access to my account and they indicated the person had the password but had been denied access. They suggested I enter a new password and offer...
by HogsAndApples
Thu Dec 26, 2013 8:37 pm
 
Forum: Personal Consumer Issues
Topic: 2 Factor Authentication: Yea? Nea?
Replies: 15
Views: 1215

Investment Policy Statement - the value of and a thank you

A while back I worked up an IPS - been a couple of years. Frankly, getting myself up to speed took about 6 mos or so. I am so glad I took the time and grateful the Bogleheads forum existed to help me learn. So if anyone is reading this post and perusing the Bogleheads forum to get advice and/or to b...
by HogsAndApples
Tue Dec 24, 2013 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment Policy Statement - the value of and a thank you
Replies: 1
Views: 259

Re: Web based email vs. email client (Mac Mail, etc.)

As usual, the wisdom and suggestions here is great! Thank you. Several have mentioned Google Apps for Business which is now product one must pay for. Google itself allows me to do what I need to do ... in the moment ... reply to email from various domain addresses. How is google apps different from ...
by HogsAndApples
Tue Dec 24, 2013 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Web based email vs. email client (Mac Mail, etc.)
Replies: 29
Views: 1732

Web based email vs. email client (Mac Mail, etc.)

I'm in the process of choosing an new email provider and asked for suggestions here: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=128055 I received lots of suggestions and I have just one more basic question about the pros and cons between web based and client based email (Thunderbird, M...
by HogsAndApples
Mon Dec 23, 2013 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Web based email vs. email client (Mac Mail, etc.)
Replies: 29
Views: 1732

Re: New email service provider needed

One last thing ... if anyone else is thinking of changing email addresses you might find the info here helpful:

http://lifehacker.com/how-to-change-you ... 1481486947
by HogsAndApples
Wed Dec 18, 2013 10:29 am
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4235

Re: New email service provider needed

This thread was full of some interesting information ... just what I was after. A couple of points ... ... assumptions about an OP based on a couple of questions can be grossly wrong ... ... I was amazed to read that 1/2 a billion people world wide use gmail ... contrary to what it looked like, if I...
by HogsAndApples
Tue Dec 17, 2013 8:09 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4235

Re: New email service provider needed

Thank you everyone! Really interesting and this conversation has filled me in on some misunderstandings I have about how email works. I've actually had several people suggest I get a domain and either buy email or forward it through gmail or another service. I didn't really understand why this was u...
by HogsAndApples
Tue Dec 10, 2013 7:59 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4235

Re: New email service provider needed

Thanks! So Gmail is considered secure and private other than ads and the like. I have a Mac, will I be able to actually get my email on Mac under Mail or will have to use the web based email service? My iMac cannot be upgraded - at this point - to use iCloud, though I hope to invest in a new compute...
by HogsAndApples
Tue Dec 10, 2013 3:54 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4235

New email service provider needed

My new internet service provider does not provide email service. What email service would you suggest that is reliable, secure and cost effective? Also, I would -- if possible -- like to have the service able to be accessed on my computer and smartphone as well as web-based. Any suggestions or thoug...
by HogsAndApples
Tue Dec 10, 2013 2:22 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4235

iPods and Radio?

I was thinking of getting an ipod for my partner. He loves music and, in particular, like to run and listen to sports live via the radio ... am and fm. Last time I checked into this it wasn't feasible. Will an iPod do the trick?

If not an iPod are there other devices that might work?
by HogsAndApples
Wed Dec 04, 2013 2:21 pm
 
Forum: Personal Consumer Issues
Topic: iPods and Radio?
Replies: 10
Views: 804

Re: Water line, sewer line, in-house plumbing insurance

We can insure ourselves for everything these days. Sometimes it makes sense to, other times not. For me, an emergency fund makes much more sense than paying insurance. Yes, occasionally there might be a rather large bill. By the way the two homes I have owned have been older than 25 years. If it was...
by HogsAndApples
Wed Nov 20, 2013 11:26 am
 
Forum: Personal Consumer Issues
Topic: Water line, sewer line, in-house plumbing insurance
Replies: 11
Views: 1058

Re: 401K and Security?

Thank you both. I will pass this information on to him - maybe this rang a red flag for him (and me) that is unnecessary. Obviously it is important to get the matching contribution from his employer!
by HogsAndApples
Thu Nov 14, 2013 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K and Security?
Replies: 3
Views: 456

401K and Security?

My uncle started a new job a month or so ago and asked me the other day an interesting question. Apparently his employer works with a firm that handles their 401K's - Let's call it Firm X. Unbelievably Firm X allows the user to use an SS# AND they can create a user id with numbers, letters and speci...
by HogsAndApples
Wed Nov 13, 2013 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K and Security?
Replies: 3
Views: 456

Re: iphone options?

Thank you to everyone for their suggestions! I look forward to looking into them.
by HogsAndApples
Sun Oct 27, 2013 7:46 pm
 
Forum: Personal Consumer Issues
Topic: iphone options?
Replies: 17
Views: 1661

iphone options?

I've decided to invest in my first iphone. I much prefer not to have a contract and to be able to use the phone overseas (though this will be occasional). Is my only option to purchase an unlocked iPhone for full price and then choose a carrier. It seems terribly expensive. Anyone have any suggestio...
by HogsAndApples
Fri Oct 25, 2013 2:17 pm
 
Forum: Personal Consumer Issues
Topic: iphone options?
Replies: 17
Views: 1661

Re: Need advice on choosing a plan.

A couple of years ago, I decided I needed to be better informed, have a plan. It took about six - nine months to work it through and become comfortable with a plan. The above poster is correct, "The enemy of a good plan is the search for a perfect plan." However, give yourself some time to...
by HogsAndApples
Wed Oct 23, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on choosing a plan.
Replies: 4
Views: 344

Re: Drainage issue - Requesting Your Thoughts

You've all been most helpful: I'd like to post an image, but it appears I can't. This issue is on the west side of the house. The north side (front side of house) faces the street. We've tried window well covers and they do little if anything. This issue occurs only rarely. Water fills the window we...
by HogsAndApples
Sun Sep 15, 2013 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1803

Re: Contractors, References & Angie's List

Thank you everyone! Your perspectives have been very helpful! There is a lot of great wisdom here!
by HogsAndApples
Sun Sep 15, 2013 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Contractors, References & Angie's List
Replies: 19
Views: 1996

Re: Contractors, References & Angie's List

Thank you everyone! Lots of great suggestions and advice and wageoghe, I hadn't thought about a foundation contractor! Certainly, it is true, that references given will probably be good. I have called references before and it is surprising sometimes the things I have found out. Many thanks for all y...
by HogsAndApples
Thu Sep 12, 2013 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Contractors, References & Angie's List
Replies: 19
Views: 1996

Contractors, References & Angie's List

So I've been working on having a plumbing or landscaping contractor come in and put in a new underground drain pipe with a french or yard drain. It's been difficult to find people. Out of the 4 firms I considered I narrowed it down to two. This firm - a plumbing firm - now tells me they don't provid...
by HogsAndApples
Wed Sep 11, 2013 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Contractors, References & Angie's List
Replies: 19
Views: 1996

Re: Seeking secure way of sending personal data email / fax?

All your responses were very helpful - thank you! Balancing the practical with whatever "conventional wisdom" says as well as your own knowledge can be interesting. Several people mentioned that my daughter might be labeled "X" if she didn't simply comply to whatever was asked of...
by HogsAndApples
Sat Sep 07, 2013 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Seeking secure way of sending personal data email / fax?
Replies: 23
Views: 1779

Seeking secure way of sending personal data email / fax?

Hi! My daughter was offered and accepted a new job with a major corporation in the US. They have asked her to send them either a cc of a passport or Driver’s License and Social Security card or a valid passport - the kicker is that they want this info emailed or faxed. She is hesitant to do this and...
by HogsAndApples
Thu Sep 05, 2013 11:18 am
 
Forum: Personal Consumer Issues
Topic: Seeking secure way of sending personal data email / fax?
Replies: 23
Views: 1779

Re: Drainage issue - Requesting Your Thoughts

Yes, the window wells fill up with water and then the water seeps through into the basement through the windows. We do not have a humidity problem in the basement. On the east side of the house the ground does slope away slightly from the attached garage. Ideally the house should sit higher on the p...
by HogsAndApples
Thu Aug 22, 2013 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1803

Re: Drainage issue - Requesting Your Thoughts

Thank you for your questions Mingus. The front of the house faces north. There is a neighboring property and there is about 15 feet between from the foundation of the side of the house to the neighboring property. There is a question if the underground drainage line is somewhat clogged - HOWEVER - e...
by HogsAndApples
Thu Aug 22, 2013 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1803

Drainage issue - Requesting Your Thoughts

I live in NYS and have ... when it rains just hard enough (and this happens infrequently) some water in the basement. It appears to fill 2 window wells on the west side of the house and then seep in to the basement. There are two gutters which attach to the underground drains on that side of the hou...
by HogsAndApples
Thu Aug 22, 2013 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1803

Re: iphone or ipad

Good points. LOL. However, I was thinking of the ipad mini. ;)
by HogsAndApples
Sat Jul 27, 2013 6:42 pm
 
Forum: Personal Consumer Issues
Topic: iphone or ipad
Replies: 12
Views: 906

Re: iphone or ipad

So other than size there is no trade off if I choose to use an ipad as my smart phone?
by HogsAndApples
Sat Jul 27, 2013 1:52 pm
 
Forum: Personal Consumer Issues
Topic: iphone or ipad
Replies: 12
Views: 906

iphone or ipad

Hi!

I'm in the market for a smart phone. I will purchase an iphone or and ipad. I'm like "simple" and prefer to carry around as little as possible. Can an ipad or ipad mini be used as a phone. Any pros or cons I should be aware of?

Love to hear your thoughts on this.
by HogsAndApples
Sat Jul 27, 2013 11:37 am
 
Forum: Personal Consumer Issues
Topic: iphone or ipad
Replies: 12
Views: 906

Re: Nutrition Bars

May I suggest bananas or a baked potato. The latter keep great and are good hot or cold.
by HogsAndApples
Wed Jul 24, 2013 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Nutrition Bars
Replies: 41
Views: 3007

Re: When to get an oil change?

Great responses! Thank you! This is exactly why I wrote because the DEALER maintenance schedule said to have the oil changed every 3750 miles. Frankly, when I got the car I never differentiated between the DEALER maintenance schedule and the MANUFACTURER maintenance schedule -- I had no idea they co...
by HogsAndApples
Sat May 18, 2013 1:06 pm
 
Forum: Personal Consumer Issues
Topic: When to get an oil change?
Replies: 35
Views: 2545

Re: When to get an oil change?

Everyone, First, thank you all for your responses. JT, I wondered when CR ran the report you refer to ... looks like it was in 1996: http://community.seattletimes.nwsource.com/archive/?date=19960629&slug=2336807 Thanks for the information, I found it helpful. Interestingly, though I haven't read...
by HogsAndApples
Thu May 16, 2013 10:33 am
 
Forum: Personal Consumer Issues
Topic: When to get an oil change?
Replies: 35
Views: 2545

When to get an oil change?

I have a 97 Honda Accord. It's in great shape and I follow the maintenance. It has about 150,000 miles on it. I noticed today as I was preparing to schedule an oil change and service appointment that the book says to change the oil every 3,750 miles or 3 months. In the last few years I have not put ...
by HogsAndApples
Thu May 16, 2013 9:18 am
 
Forum: Personal Consumer Issues
Topic: When to get an oil change?
Replies: 35
Views: 2545

Re: general (financial) advice about musical instruments/les

I've been wanting to try the cello recently, but I've been thinking it might be too costly to try at the moment. Any ideas about finding an inexpensive cello?
by HogsAndApples
Wed May 08, 2013 12:13 pm
 
Forum: Personal Consumer Issues
Topic: general (financial) advice about musical instruments/lessons
Replies: 109
Views: 7103

Re: Happy Birthday Mr. John Bogle

Happy Birthday! Hope you have a wonderful day and that you are blessed with whatever delights you. And, a big thank you for your work!
by HogsAndApples
Wed May 08, 2013 12:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. JOHN BOGLE
Replies: 32
Views: 2454

Re: Rebalancing Question

Thank you both for your answers - your perspectives are quite helpful.

Livesoft, you said you don't do buckets - may I ask why? Are there pros / cons with respect to buckets versus no-buckets.
by HogsAndApples
Sat May 04, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 391

Rebalancing Question

First, a big thank you to everyone on this list as I have benefited from your collective wisdom over the past couple of years. My first yearly rebalancing moment arrived recently and I have a few questions to ask: In 2012 I made an IPS. At that time I decided to rebalance yearly. My band is 5%. My p...
by HogsAndApples
Sat May 04, 2013 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 391
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