Search found 2288 matches

by likegarden
Tue Oct 17, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 37
Views: 2650

Re: Best way to make some dollars on a 10 day vacation?

You are single and in NYC, there must be a lot places where the girls are, find interesting ones and do extra dating, spend some money on them.
by likegarden
Mon Oct 16, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 79
Views: 5472

Re: anyone else not liking the new cars?

My wife drives a 2013 Toyota Camry, nice car without problems. So I thought to buy a Camry also for myself, and paint that large black screen in front with the same paint as the car (3 coats), but then found a better looking car.
by likegarden
Mon Oct 16, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Trash dumped on curb (need advice)
Replies: 35
Views: 2928

Re: Trash dumped on curb (need advice)

You can always call the garbage company and town pickup to get applicable information. But some neighbors are simply not too picky in curb appeal of their house. Some don't realize what rules have to be followed, and might need to get informed, like you getting the rules and mail to them without giv...
by likegarden
Fri Oct 13, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with family financial situation - sheltering money / medicaid
Replies: 22
Views: 2088

Re: Need help with family financial situation - sheltering money / medicaid

We looked into these subjects too. We live in NY state. We have no need for nursing home care in the near future. Looking ahead we established a trust for our house, could add CDs to it. A Trust has beneficiaries listed and is not accessible by Medicaid. To protect assets for a surviving spouse we u...
by likegarden
Tue Oct 10, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2554

Re: Cheapest thing you ever heard of to save money

In the 1970s our local plant of that international conglomerate got a new vice-president. His first act was to forbid calls to the town from the plant because it would cost 7 cents each. People had to drive to town to do important private business and lose working time when before they simply could ...
by likegarden
Tue Oct 10, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2293

Re: cash and landlines in disasters

In our development all cable, electricity is under ground. Our 'land-line' phone is via cable. We lose cable usually via a tree falling on above ground wires,
by likegarden
Tue Oct 10, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1487

Re: What do you do with your empty inkjet cartridges?

We don't print in color, only have a black/white laser printer. We throw a spent cartridge into the trash.
by likegarden
Mon Oct 09, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4771

Re: Is there boglehead consensus on buying a car?

Our philosophy is to buy good quality new cars, maintain them properly and run them 10 to 11 years or 110,000 miles when they start to need more expensive repairs. We had good success over 37 years.
by likegarden
Sun Oct 08, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5701

Re: Roof shingles do not match - Neighbor sent notice

Your 15 year old roof might need to be cleaned anyway. Mine had algae and moss growing on it. There are roof cleaning companies, read up on that. How would that agitate your neighbor with you cleaning your part of the roof only as part of required maintenance? In case you decide to paint the 20 new ...
by likegarden
Sun Oct 08, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: So my mechanic said....
Replies: 31
Views: 5665

Re: So my mechanic said....

We had 5 Buicks over the years, driving them to about 110,000 miles each, never used Overdrive and never had transmission problems.
by likegarden
Sun Oct 08, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2271

Re: Change for a $20 requires ID!!

It will get easier as you get older. I am in the 70s and can pass $50s without ID.
by likegarden
Sat Oct 07, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20547

Re: Retirement Account Stolen by Identity theft

Driver license can be faked. In NY state when I have to get a document for my pension notarized at a bank, I show my US passport, no fingerprint is there required.
by likegarden
Fri Oct 06, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1855

Re: Paper checks, how safe are they?

We use checks since 1968, never had a problem. We pay the credit card account electronically from the checking account, and send money from Vanguard to that checking account. SS and pension go to the same account. I thought handling money via the internet is not so good because you have to supply pa...
by likegarden
Fri Oct 06, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5678

Re: Question About Long Term Care

We are paying around $6,000 premiums per year for two and experienced 10% per year increases in premiums. We understand that costs in the nursing homes increase much faster than the overall inflation rate. We do not have to agree to the premium increase, but then the covered nursing home expenses wi...
by likegarden
Thu Oct 05, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3953

Re: Retirees, how and how much do you pay for health insurance?

We are both over 70 and have an HMO plan from the largest local insurance company. We live in a medium cost of living area in the inner Northeast. My doctor told me that he has the same medical insurance coverage I have. He says that all doctors in the area are part of this plan, and we have 3 very ...
by likegarden
Sun Oct 01, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 2676

Re: 403(B) advisor advice to wife

kro36 showed above that both SP 500 funds outperformed the growth fund significantly, so why think to buy that growth fund at all? The performance difference is so much larger than the costs difference.
by likegarden
Fri Sep 29, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments?
Replies: 18
Views: 2320

Re: Fisher Investments?

In 2005 I asked for their CD which turned out to show a happy couple in a religious type setting but nothing concrete about investments. Minimum was $500k then, I had no interest.
by likegarden
Fri Sep 29, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Using full name for email - bad or good idea?
Replies: 37
Views: 18249

Re: Using full name for email - bad or good idea?

We use FirstnameinitialLastname@etc for 30 years and had no problems. This is probably known all over the world because we got scam Emails from China, Nigeria and Russia.
by likegarden
Thu Sep 28, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 6997

Re: VG using outsourcing to call me & I'm not happy

mouses wrote : 'Have you ever gotten the Microsoft call from someone without an Indian accent? I thought not.' Yes, we got a phone call from a "Microsoft" lady telling us without any accent that Microsoft would shut down all our MS functions and we should call immediately her phone number. We kept t...
by likegarden
Thu Sep 28, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: liability of selling used car
Replies: 14
Views: 1998

Re: liability of selling used car

For a few 100 $ it does not seem to be worth selling the car to a person who does not see the severity of the problem. Months ago I traded in a car for $500 when buying a new one after fixing rust over a weekend and then noticed that mirrors no longer worked (fuses were OK). Otherwise I had fixed ev...
by likegarden
Wed Sep 27, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anti virus protection
Replies: 34
Views: 3310

Re: Anti virus protection

Someone mentioned Malwarebytes. Did any of you recently have a problem with it? I liked it and used it for years. But last week it asked me to download an update, and then it erased itself. After it rebooted it tried to do the same thing again, so I looked, and yes, it was gone from my installed pro...
by likegarden
Wed Sep 27, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 52
Views: 4656

Re: Comfort level re: tracking at physical shopping centers

I joined Facebook and can't leave it I noticed. I joined to see certain gardening websites, but then I got all these Emails from Facebook about how many friends I gained, and that was it. I changed the Email address I referenced for Facebook, and now all those 'friends' messages go there, and I neve...
by likegarden
Wed Sep 27, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 6997

Re: VG using outsourcing to call me & I'm not happy

Call from Canton Mass? Perhaps that must have been the lady I could not understand on the answering machine, because I do not wear my hearing aid at home, and I also have an accent, so I deleted that.
by likegarden
Tue Sep 26, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Looking for Quality Landline Phone Manufacturer
Replies: 14
Views: 1251

Re: Looking for Quality Landline Phone Manufacturer

For several years now I use a Fanstel ST-50 amplified telephone which I can use without my hearing aid. It did cost around $110 and has no problems. Amplification is selectable, and it has a display. It has no answering feature.
by likegarden
Tue Sep 26, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: GM Master Card Site
Replies: 7
Views: 669

Re: GM Master Card Site

Thanks, good to know that they have it set up now. 2 weeks ago I was not able to pay the bill from my checking account, had to send them a check.
by likegarden
Tue Sep 26, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 52
Views: 4656

Re: Comfort level re: tracking at physical shopping centers

I would not worry being tracked in a store. All kind of information is already available about you on the internet and with crooks. You have to be vigilant protecting your privacy everywhere.
by likegarden
Sun Sep 24, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: What am I thinking.. a new car finance thread.
Replies: 16
Views: 1627

Re: What am I thinking.. a new car finance thread.

I am 7 years older than you and bought a much less expensive new car, because I do not want any loans at my age. Pay cash and be done and sleep better.
by likegarden
Sun Sep 24, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 67
Views: 2969

Re: Do you subscribe to digital newspapers?

No, we do not subscribe to digital newspapers. We are retired and have one paper newspaper delivered to our home. I like to sit down with a paper and a coffee, or drive to a lake reading it there with a coffee. My wife buys additional 5 other paper newspapers. We also read CNN and NBC news on the PC...
by likegarden
Fri Sep 22, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8225

Re: Age you retired

62, received company pension starting at 62, SS starting at 65, continued working part-time until 69.
by likegarden
Fri Sep 22, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2203

Re: The money trail...import vehicle vs domestic.

We bought a Toyota Camry 4 years ago after finding it and the Honda Accord having the highest content of being US made. This year I bought a Chevy Malibu, made in USA, though having parts made in Mexico. We support the US made cars because their workers contribute to my Social Security and Medicare ...
by likegarden
Fri Sep 22, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4413

Re: Uplifted Driveway = No Home Owners Policy ?!

We also live in a house. We always fix problems when they occur, or lateron your bills will be even higher. And if you lateron want to sell the house, a bad driveway is a no-go. You only postpone paying for the fix, have to pay anyway, might as well live with a good driveway.
by likegarden
Thu Sep 21, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Vehicle Maintenance App
Replies: 14
Views: 953

Re: Vehicle Maintenance App

I use Excel spreadsheets for years now. For cars I have appropriate columns, including date, items worked on, cost, and mileage. I place a paper copy in each car's glove compartment, and in its hanging folder in the filing cabinet; really nice to have with you when going for maintenance. For lawnmow...
by likegarden
Thu Sep 14, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 132
Views: 9696

Re: Account security - Hackers gain access to mobile and then break havoc

We are probably very different to most here in using phones. we do not have Smart phones. We use Tracfone cell phone only in emergencies, and have a hardwired phone. We do not do financial transactions (Vanguard, credit card company, bank) on computers where we also surf the internet and do Email. W...
by likegarden
Wed Sep 13, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

Ahhh! It is so good to be retired and do not need a phone for work. I am so satisfied with my fast PC and that 27 inch monitor.
by likegarden
Tue Sep 12, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18214

Re: Is it really Worth it to brown bag your lunch at work?

I mostly brought lunch from home, put it into a refrigerator in the office. This way lunch was relaxing, let me remove some of the stress, recharge for work in the afternoon.
by likegarden
Tue Sep 12, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10647

Re: The 10 year car ownership "rule"

On Buicks over the last 30 years we noticed that after 11 years or 110000 miles things will need to be fixed. It is a nuisance that you have to think often about little failures and fixing those. So replacing an American car at 10 years will keep you out of trouble. With a Camry we expect to get exp...
by likegarden
Tue Sep 12, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 4155

Re: Large portable generator vs. permanent natural gas generator for home

We don't have such a generator, also have only rarely outages, and then only around 4 hours. We personally do not see a need for it and to add extra complexity to our house. A friend has a Generac generator using natural gas and is happy with it. I have heard that the generator is required to be tes...
by likegarden
Wed Sep 06, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24135

Re: Name something you had to have and now you regret purchasing it?

Small items I no longer like and need I simply put at the curb with a 'FREE" sign on it : a Mantis mini cultivator/ tiller, small brush chipper, vacuum for the leaves in my little pond. Recently I bought a small shower to use after mowing my 1/2 acre lawn on a hot day to give me a needed cool-off, f...
by likegarden
Sun Sep 03, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Things to buy/repair before (early) retirement
Replies: 32
Views: 3674

Re: Things to buy/repair before (early) retirement

I retired 15 years ago, and we are still driving newer cars, appliances need to be updated, house needs repairs over the years, etc. Thinking about buying and repairing house and cars is an ongoing process after retirement, such between my age 70 and 77 we bought two new cars and new heating boiler ...
by likegarden
Sat Sep 02, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12800

Re: Florida Hurricanes: When and where to go?

This is much too risky for me to live there, so we live in the NorthEast. I am risk adverse, I also own mostly low-risk index funds. I remember an old Victory Garden show where a nursery owner showed what had happened to his vacation home on a Caribbean island. His house had concrete walls, and lite...
by likegarden
Sat Sep 02, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: repairman broke washing machine, what would you do?
Replies: 42
Views: 4062

Re: repairman broke washing machine, what would you do?

Appliances supposedly only work a few years nowadays when used daily. We have a basic GE washer which is probably 5 years old and is run several times a day. The next time it needs repairs we will buy a new one. We had a new more 'advanced' and more costly one which broke and could not be fixed. Tha...
by likegarden
Thu Aug 31, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Evaluating risk of flooding in the "new normal"
Replies: 45
Views: 2469

Re: Evaluating risk of flooding in the "new normal"

We had to bail out water out of our basement once for several hours to prevent flooding, so we are quite sensitive in that respect. I learned that the Army Corps of Engineers makes sure that landscapes can drain. For example, a neighbor downstream in your landscape has placed a new driveway on a ber...
by likegarden
Thu Aug 31, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7209

Re: Would you let your teenager spend all his savings on a gaming computer?

The first priority for a teenager is to have very good grades in school and to have very good behavior. After that he is permitted to play video games. We have a teenager in our home and are enforcing that. Our teenager is satisfied with a good computer for his gaming. What should a student do with ...
by likegarden
Thu Aug 31, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 57
Views: 12328

Re: I'm Giving Up Golf

Congratulations for your persistence and having a lot of fun. I had a short fuse giving up golf in 1968 after too many balls disappeared in too many water hazards.
by likegarden
Wed Aug 30, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Aerospace Stress Engineer Salary History
Replies: 13
Views: 3108

Re: Aerospace Stress Engineer Salary History

Please tell us all how your cost of living is, HCOL? Aerospace was always risky in the past, government contracts could get terminated quickly, therefore higher salaries were needed.
by likegarden
Sat Aug 26, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3277

Re: Desperate to get rid of mosquitoes, what else could we try?

I read that using zappers work on attracting more mosquitoes before killing them. I like to work in my gardens and look to eliminate them. Therefore, I am using insecticides as you can buy them in Home Depot or Lowes. using them twice in spring and summer will do the trick. I also apply Cutter to al...
by likegarden
Thu Aug 24, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Photobucket - disappearing images and $$$ - has it affected you?
Replies: 28
Views: 2553

Re: Photobucket - disappearing images and $$$ - has it affected you?

I gave up on Photobucket years ago after I and they got mixed up with my password, and there was no way giving me a new password.
by likegarden
Thu Aug 24, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: What should the savings be for an average professional
Replies: 168
Views: 16749

Re: What should the savings be for an average professional

I was such a professional, worked for 35 years, married, one child, paid all college bills, now 15 years retired, stocks went up and up. We were never big spenders and saved what we did not spend. For net worth you can get 10 times last salary, including house.
by likegarden
Tue Aug 22, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2274

Re: Can you recommend a good mouse trap?

Snap traps are not always killing. One snap trap once caught a mouse by its tail.
Outside I use poison, put it deep into mouse runs. 3 weeks later new mice have moved in. Using snap traps outside is too slow because mice multiply faster than you can kill them with snap traps.
by likegarden
Fri Aug 18, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 10549

Re: Anyone planning on never retiring?

I did it close to 'never', worked to 69, but the last 7 years were part time.