Search found 2239 matches

by likegarden
Fri Aug 18, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 137
Views: 9002

Re: Anyone planning on never retiring?

I did it close to 'never', worked to 69, but the last 7 years were part time.
by likegarden
Fri Aug 18, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 55
Views: 7010

Re: Little P**S Ants

I live in the Northeast and do not have those micro ants. But for all insects I buy a bag of granular lawn insecticide every spring, and twice a year walk around the house dropping a little out of the bag as I walk. We have small ants in the lawn and in cracks of the patio and driveway, and they get...
by likegarden
Fri Aug 18, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 179
Views: 14115

Re: Lost $7000 today in ONE DAY!

Nothing new about stock market going up and then down. Think about your long-term goals. It is OK to complain when you temporarily loose some money, but then be careful to tell people about all the money you are making when it goes up again. I once had a daughter-in-law who thought she could spend m...
by likegarden
Fri Aug 18, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Debt collector called, should we call them back?
Replies: 15
Views: 1941

Re: Debt collector called, should we call them back?

I would call around to see what's up. I once got contacted by a debt collector about a medical bill. That was the time I signed up for Medicare and was about a bill for a physical which is handled differently with Medicare. I called the doctor's office and paid them, which was OK with the debt colle...
by likegarden
Wed Aug 16, 2017 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Family Tree Template?
Replies: 9
Views: 792

Re: Family Tree Template?

I simply used MS Word, did the family history based on existing information, down to 1800. I did that to document my family and my history mainly for my son and grandson. It was also useful for my brother and his son and a cousin. It was interesting accumulating also old photos, and finding out what...
by likegarden
Tue Aug 15, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4515

Re: Best Housing To Avoid Noise

I once lived in a 'modern' apartment where there seemed to be absolutely no insulation in the walls to the neighbor.
We live now in a well insulated one-family house in a quiet neighborhood , no noisy neighbors, except when they run lawnmowers, but we all do.
by likegarden
Mon Aug 14, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 209
Views: 9920

Re: How far would you travel to see The Eclipse?

Thanks for the map!
So I would possibly be able (if still around) to see the 2024 total eclipse, would be only 3 hours north. That would be a comfortable day trip.
by likegarden
Sun Aug 13, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6552

Re: How does personal wealth affect job hunting?

This sounds similar to retiring early from a stressful job, then finding a part-time stress-free job at much less pay. I did that retiring at 62, then half a year later starting in a similar job at half-time and half the previous pay, enjoyed the second job.
by likegarden
Sun Aug 13, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2114

Re: For those switching to Chrome from Firefox

I used Firefox in the past, but one of their revisions was not workable for me, so I switched to Chrome. I noticed that some sites don't let me view videos with Adblock Plus on, so I refuse to see that video and ad. I visited recently a site where more than 100 ads got blocked, I felt liberated!
by likegarden
Sun Aug 13, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1192

Re: What the best identity theft co.?

Reply to Sophie : Google for 'Social Security Block Access To Your Record'. This is applicable when receiving SS. In case you are the only one accessing your computer then it is simpler. We are 3 and our grandson plays a lot of video games on our computer, might also have Email. I received Emails re...
by likegarden
Sun Aug 13, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1192

Re: What the best identity theft co.?

I agree in freezing accounts at all three credit report agencies, we did that. We also froze access to Social Security. To prevent access by others to passwords used by us, we also added a laptop computer which we only use for financial contacts, such as to Vanguard, our bank, credit card account. W...
by likegarden
Fri Aug 11, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: What percent credit utilization is best?
Replies: 15
Views: 1528

Re: What percent credit utilization is best?

This probably depends on how many credit cards you have and how old you are. When you retire credit card companies do not want to increase your credit limit. We are retired awhile, have no loans outstanding, no mortgage, sufficient savings and income, buy cars with cash, have one credit card account...
by likegarden
Fri Aug 11, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Window replacement - any advice? Lessons learned?
Replies: 43
Views: 4673

Re: Window replacement - any advice? Lessons learned?

We had 6 windows replaced. We went with Home Depot because they installed front storm door and garage door perfectly, and we buy appliances there. We like the quality and installation provided by HD. We did not go with Anderson because the local installer wanted to bring in even a designer for a pre...
by likegarden
Tue Aug 08, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 1709

Re: Question for Buick Verano (non turbo) or Mazda3 owners

We always drove American Buick cars to about 110,000 miles and 12 years each over the last 25 years, two LeSabres and 2 Centuries. We liked them a lot. Recently we bought a Toyota Camry because the Buick prices were about $10k higher than the Camry, and Buicks looked clunky to us. Recently I bought ...
by likegarden
Mon Aug 07, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Simple cell phone and service for elderly relative?
Replies: 9
Views: 1072

Re: Simple cell phone and service for elderly relative?

We have large 27 inch monitors on our PCs, great for older eyes, and do not need those tiny smart cell phones. So we use Tracfone cell phones, costs us only $50/year per phone. Phones cost less than $50. Mine actually resides in my car, used only for emergencies. We have a house phone, wired to the ...
by likegarden
Mon Aug 07, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Credit Card company email "Do you recognize this purchase?"
Replies: 27
Views: 2133

Re: Credit Card company email "Do you recognize this purchase?"

Since we are talking about the danger of phishing Emails, please also note there are ransom and other problems out there. I just established a separate laptop computer which I only use for sites like Vanguard, bank and credit card. There will be no Emails and surfing the internet on this computer. I...
by likegarden
Fri Aug 04, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3602

Re: "National Parks senior passes in short supply."

I bought mine about 15 years ago for $10 and used it on Cape Cod and Saratoga, it is nice to have it. Over the years it has gotten brittle, had to reinforce it with plastic tape.
by likegarden
Fri Aug 04, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 1664

Re: Fence Boundary Issue

On the 3 houses we lived in we always had a survey done. On the last one we had the backyard fenced in because we had a 10 year old son and neighbor's large dog was running over. Fences are not always in the middle between houses, because houses might be oriented differently, i.e. due side entrance ...
by likegarden
Mon Jul 24, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Would you chase down this possible hit and run lead?
Replies: 31
Views: 2901

Re: Would you chase down this possible hit and run lead?

We had a fist size dent in a rear bumper. I Googled for 'removing a dent in a bumper', found a YouTube video, watched that. In 5 minutes with a hair dryer the hot air and a little help from behind the plastic bumper dent popped out. You might want to touch that up with a little spray paint and wax, ...
by likegarden
Tue Jul 18, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 2667

Re: Humid basement

Thanks for this thread I checked on our dehumidifier we have in our basement. It must have failed recently, So I bought a new one, placed it and just put a drain hose on it. This is our 3rd dehumidifier over 30 years and we are happy with their performance. We have gas burning furnace (baseboard hea...
by likegarden
Sun Jul 16, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 99
Views: 6949

Re: Please explain how Medicare Billing works?

I am on Medicare for 12 years and never had to talk or write to Medicare. I have Medicare A&B and a supplementary HMO insurance which also provides a prescription drug plan. I do not pay directly to doctors, clinics and hospitals, except the initial co-payment, and they do not bill me directly. ...
by likegarden
Sat Jul 15, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3348

Re: Urgent 1st world problem [coffeemaker]

I agreed once about coffee makers made in China, because I had one shorting out the first time plugging it in. Probably also made in China though, we use Mr. Coffee for very little $ from Walmart and are very happy with it. I do not need any fancy stuff on it, no clock, no timer. only decent coffee ...
by likegarden
Sat Jul 15, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3625

Re: what's your secrete to cleaning inside car windows?

I have my car only for 4 months, so window cleaning can wait a little. About tinted windows, here in NY state they are no longer permitted on cars, on SUVs and trucks it is permitted. Supposedly crooks in cars in NY city used the tinting to hide behind, probably did not drive SUVs and trucks. I coul...
by likegarden
Fri Jul 14, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Have you switched from Total International to Slice & Dice or vice versa?
Replies: 28
Views: 2064

Re: Have you switched from Total International to Slice & Dice or vice versa?

I agree with Mr. Bogle's explanation that International exposure is not needed for US investors because most US large companies have international exposure already. Being more than 10 years into retirement, I am moving my portfolio slowly to Total Stock Market and Total Bond Market index funds.
by likegarden
Thu Jul 13, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 3893

Re: Hotel tipping: how much to leave?

We just came back from Cape Cod. At our usual motel we left $5 per night for 8 nights. That temporary help there needs every $. We do not clean rooms, but left the room picked-up. We appreciated extra towels, and extra coffee packets.
by likegarden
Wed Jul 12, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4467

Re: Coyote control

I just remembered what a lady in a gardening forum explained. For keeping wild animals out of their property she lets her husband drink a strong coffee and then tells him to go out at night and mark their property.
by likegarden
Wed Jul 12, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Home Insurance Company letter about roof
Replies: 13
Views: 1293

Re: Home Insurance Company letter about roof

(When I grew up in Europe in the 1950s, all roofs were tile roofs.) I was looking for mentioning of needed roof replacement in recent threads of solar installations on roofs, there were none. Probably home owners would have to insure the solar installation, and then probably the insurance company co...
by likegarden
Tue Jul 11, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: what happened to new KO roses?
Replies: 20
Views: 1417

Re: what happened to new KO roses?

In respect to a deer repellent, I use Liquid Fence to keep rabbits away, have no deer. I spray that on my landscape with 100% protection..
by likegarden
Mon Jul 10, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 24
Views: 1402

Re: Most Effective Rat Poison

As you describe, your rats must be the same size as our squirrels. I tried to catch rabbits with a Havahart trap, caught only squirrels. Some got really mad at me. All got a nice ride into a forest and never came back. So, Havahart traps seem to work for relocation. I have a problem with voles. In o...
by likegarden
Mon Jul 10, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7559

Re: how to destroy hard disk with personal info

nisiprius, this actually has happened. The owner of a computer did not know that a hacker had copied illegal files onto his computer, and his wife had to spend a lot of $$ hiring experts to prove his innocence to get him out of jail. In my state computer repairers have to report any illegal files to...
by likegarden
Mon Jul 10, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4467

Re: Coyote control

Readers from the East should notice that this thread is about Western coyotes. Read up on Google about Eastern coyotes. Eastern coyotes got created by Western coyotes mixing with wolves and dogs while migrating to the East.
by likegarden
Mon Jul 10, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Excel 2010 and Windows 7 -- Where to go from here?
Replies: 39
Views: 2884

Re: Excel 2010 and Windows 7 -- Where to go from here?

My 7 year old computer with Windows 7 crashed last year. It had 7 year old Office with Excel. So I bought a new Dell computer with Office 2016. All my old Excel files could be used without problems , same with Word, on the new setup.
by likegarden
Sun Jul 09, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7559

Re: how to destroy hard disk with personal info

I always take them apart as much as possible, then a 10 lb hammer does the rest. Should be good enough. I put it in a bag and drop that in a waste receptacle at a place such as Walmart.
by likegarden
Sun Jul 02, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid irrevocable trust- any experiences?
Replies: 46
Views: 2286

Re: Medicaid irrevocable trust- any experiences?

We just were notified that our long term care insurance raises the premium by 1/3, that is they raise the premium by 10% / year. Instead of $6,000 per year now, it might cost $15 k in 10 years when I will be 87. Income does not increase by 10% /year, i.e. pension does not increase with inflation, an...
by likegarden
Sat Jul 01, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13339

Re: Bogleheads: you should be buying 10-year old cars

Our experience with Buicks was that around 110,000 miles, be it 10 or 13 years, more expensive repairs will come up. Therefore, we then buy new cars. We like to be certain to have no problems with our car in the future. Peace and no time spent waiting in a repair shop is worth a lot when compairing ...
by likegarden
Mon Jun 19, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 2377

Re: Cataracts & reading glasses

There were threads like this in our forum. Cataract eye surgery is quite common. My wife had cataract eye surgery 15 or more years ago on one eye. Everything is fine, she has a mono-focal lens and uses reading glasses. Our eye surgeon had many years experience before that. Based on my wife's good ex...
by likegarden
Mon Jun 19, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3630

Re: Fermenting Vegetables

We lived in an apartment when I grew up. My mother made Sauerkraut that way in a jar in our basement. Korean Kimchi is similar.
by likegarden
Mon Jun 19, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Scratched Bumper with Police on the Scene
Replies: 26
Views: 2573

Re: Scratched Bumper with Police on the Scene

You seem to overdo it! I recently had some scratches and a 1 inch deep dent on the bumper of our 2013 car by backing into a fence at a store. Instead of contacting my insurance, I watched a YouTube video, and with a hair dryer (for dent in bumper's plastic cover), spray paint (a little) and a polish...
by likegarden
Mon Jun 19, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 38982

Re: Regret early retirement/downsizing

My early retirement was at 62 years of age. I had a creative career as an engineer, but suddenly got stressed out and retired (Social Security at 65). Though half a year later I was recharged and was asked to come back half time. I enjoyed working part time until 69. I always liked to work in that o...
by likegarden
Fri Jun 16, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 2071

Re: Medicaid Planning

As I wrote above, we have our home in a trust and transfer assets. We are in our 70s and also have Long Term Care Insurance. But since nursing home care cost increases faster than inflation, LTCI payments will be less than those costs, and our income increases less than nursing home costs, per a spr...
by likegarden
Fri Jun 16, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 2071

Re: Medicaid Planning

All my friends and we too have irrevocable trusts. In NY state a child can be a trustee. Presently our home is in that trust, we can add CDs i.e.. IRAs are inherited via the list of beneficiaries in an IRA, Medicaid has no access to IRAs in NY. In case you want to fund education of grandchildren, do...
by likegarden
Thu Jun 15, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3597

Re: scary phone calls

We usually do not get phone calls or Emails which leave messages about account problems, except for the entertaining IRS scam. So there is something new in the works. We notice that many of those cold calls are now from our local area code and area, even with names, mostly on Fridays. Yes, we are al...
by likegarden
Tue Jun 13, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 12974

Re: Who takes financial chances and why is this forum so financially conservative?

I am retired and took a lot of financial chances all my life, but was lucky. Since retirement and finding the Bogleheads I became conservative. I grew up and became an engineer in Europe. After 3 not-so-good jobs I found this large US company with a future pension. During all those years I had no id...
by likegarden
Tue Jun 13, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Lithium ion yard equipment batteries
Replies: 19
Views: 1110

Re: Lithium ion yard equipment batteries

I mow my lawn and do not need a blower to clean up after it, therefore do not need that extra blower with Lithium Ion battery. I simply run my mower with the catcher on it first around all parts of the lawn to be mowed, and therefore no clippings get blown on road, driveway and plantings and need to...
by likegarden
Tue Jun 13, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2662

Re: Watch Batteries

I rarely wear my two watches. Their batteries seem to last more than 3 years. In case one battery is discharged I stop by a store such as Walmart and they replace the battery for a few bucks, no problem.
by likegarden
Mon Jun 12, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1604

Re: Anyone enrolled in Part B of Medicare?

Note, that my comment is for having a Medigap policy. Yes, my wife and I are over 65 and enrolled in Medicare A and B. Since they do not cover everything, we also have a Medigap policy which covers most (also drugs) which Medicare A & B do not cover. But there are still co-pays which we have to ...
by likegarden
Sun Jun 11, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Fence Dilemma
Replies: 31
Views: 2824

Re: Fence Dilemma

In case you decide on a wood fence, you should read up on the internet about using termite resistant pressure treated wood.
by likegarden
Thu Jun 08, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3356

Re: How often do you redeem your credit card cash rewards?

We have a GM credit card at Capital One, and redeem it when we buy another GM car. So after 13 years we bought another GM car with a $3,700. extra rebate.
by likegarden
Tue May 23, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 5507

Re: At what point to buy new car for safety

I never caused a fender bender. I am retired. Perhaps you should ask : 'At what age to buy new car with electronic safety features?' Recently I miss seeing those smaller black Mercedes at dusk when they have their head lights off, just missed one. Probably I should have bought my recent new car with...
by likegarden
Sun May 21, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 39
Views: 5309

Re: Shocking car insurance quote

You might want to read other postings here about how some insurers have initially low premiums which then increase sharply over the following years.