Search found 2441 matches

by likegarden
Wed Feb 21, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 25
Views: 1291

Re: Cedar Roof

I once had a cedar fence, and the horizontal parts started to rot away within 10 years, in spite of staining it every 2 years. Cedar on roofs will soak up rain. Is there frequents staining required?
by likegarden
Mon Feb 19, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 8995

Re: Do you wear a wedding band? [at a job interview]

I always wore my wedding band at work and during job interviews, and whenever I am outside the house except during yardwork. MY wife told me not to wear it ever outside when I do yard work (she checks me), because I could lose it and never find it again.
by likegarden
Fri Feb 16, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 78
Views: 10602

Re: Doctor wants Social Security number

We never provide our SS number when asked. We are on Medicare, but never use the Medicare number, only the insurance ID number on our insurance card from a Medicare Advantage policy.
by likegarden
Mon Feb 12, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 2750

Re: The value of car body repairs/upkeep of older cars?

On rusting older cars usually the rust comes back in a few years when you only fix it with Bondo and rust-preventive paint. Body shops would cut out rusting parts and replace them, and that will last a lot of years and cost relatively a lot. On my 2004 Buick I used Bondo underneath doors, spent a wh...
by likegarden
Sat Feb 10, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 116
Views: 10573

Re: Anybody else Age - 10 in bonds, rest in stocks

Age 78.
I have SS and a fixed pension.
Stock mutual funds 43 %, rest bonds and CDs.
So I have age - 21 in bonds and CDs.
As Mr. Bogle said, you can consider Social Security and Pension as bonds in your asset allocation, so I did partially.
by likegarden
Fri Feb 09, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Tip amount for daily newspaper delivery
Replies: 21
Views: 1141

Re: Tip amount for daily newspaper delivery

Our newspaper gets delivered into a box underneath the mail box. We pay around 15% tip.
by likegarden
Thu Feb 08, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Removing personal info on internet
Replies: 10
Views: 1670

Re: Removing personal info on internet

You should try. I once posted a photo of myself in a forum because all the other contributors did. But asking several times the Forum owner, they removed it finally, I mentioned about my concern of contributing to possible future ID theft. In case you are on Facebook, don't give any personal info th...
by likegarden
Thu Feb 08, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15762

Re: free dinner investing seminar

I and my wife never went to any of those. I am proud to have convinced my then young son not to go to a timeshare weekend, after having read here at the Bogleheads about those scams. We have enough money, can pay for nice dinners in nice settings, don't need the noise of a presentation we do not car...
by likegarden
Wed Feb 07, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: what to do with patent plaques and other work awards?
Replies: 45
Views: 2772

Re: what to do with patent plaques and other work awards?

I am retired and have college degrees and patent awards stacked up somewhere. Medical doctors would have them up and down the walls in offices.
by likegarden
Sun Feb 04, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3368

Re: Do you live on a budget?

We did budgets in the past, but in our retirement we simply live below our means = no problems.
by likegarden
Fri Feb 02, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6561

Re: Substitute for taking a shower?

Last year after I mowed the lawn in summer I used the garden hose with cold water while standing on the lawn in shorts, and that went very fast. I believe I do not use more than 3 gallons of that ice-cold water. They can do it at the golf club.
by likegarden
Fri Feb 02, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.
Replies: 15
Views: 1052

Re: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.

6 crowns for about $5k would be a bargain in my area. I have around 14 crowns. One dental office once told me that modern crowns can fail in 2 1/2 years. But I once had a gold crown which lasted 39 years. Sorry that you have 6 crowns fail at once. I think you should ask the dentist to replace all 6 ...
by likegarden
Fri Feb 02, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: How much to spend on a backyard?
Replies: 35
Views: 2774

Re: How much to spend on a backyard?

I would look around the neighborhood to see what others have done and what a future buyer would expect. You could look at the Houzz website to get ideas and contacts for your area : https://www.houzz.com/photos/outdoor-products In respect to your weeds, there is an easy fix, buy a large spray bottle...
by likegarden
Thu Feb 01, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 7918

Re: Alan Greenspan says there are bubbles in both stocks and bonds

He did not see the housing bubble and did not see the Great Recession coming. He did not limit dealings by Wallstreet. Why would you trust his advice for anything?
by likegarden
Tue Jan 30, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3898

Re: what do/did you do with your evenings with a Toddler in winters ?

He is a single child, and we went to a play group at the local library. When he got around 3 he was able to climb in McDonalds playlands and play there with other kids. At home on the kitchen floor he loved to build towers with blocks.
by likegarden
Tue Jan 30, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6595

Re: Neighbor recently burgalerized - Suggestions for home security

Around our house we have four 40 Watt fluorescent lamps on all night, also a locked fence around the backyard, have not had any burglars for 30 years. I have pinned all lower level windows. Storm doors are locked from the inside. We have blinds on all of our windows, so a potential burglar can not s...
by likegarden
Sun Jan 28, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 33
Views: 3434

Re: $500 Windows Laptop

Perhaps your family wants to use the laptop as a financial secure interface. I bought a cheap Dell laptop ($250) and found then out that it only had Wifi internet interface with neighbors living relatively close. So I tried to get an Ethernet hard-wired connection via buying a Dell adapter, which to...
by likegarden
Sun Jan 28, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5466

Re: Exterminator Accidently Sprayed our Home

Two contributors asked : Around my house starting in April the Pest Control company will spray Bifenthrin (EPA registered), Thyme and Rosemary Oils, and Cedarwood and/or Clove Oils. I told them that I want to get those Lyme ticks killed to permit me and my family enjoying my garden again.
by likegarden
Sun Jan 28, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for an emergency cell phone to keep in car....
Replies: 35
Views: 2161

Re: Looking for an emergency cell phone to keep in car....

We have a Tracfone in each of our 2 cars, sitting there fully charged. They are rarely used. Annual cost is about $50 or 60, which we get by buying for a month or so and then adding 365 days at checkout. Why pay more. Those phones last several years.
by likegarden
Sat Jan 27, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5466

Re: Exterminator Accidently Sprayed our Home

I would like to point out that spraying with insecticides has benefits for humans in case they want to be safely outside in their yard. In the Northeast Ticks with Lyme disease are spreading. I learned that they are now even hitch rides with birds. I was outside 3 months ago raking in the yard and g...
by likegarden
Wed Jan 24, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Have you ever acted on an instinct like this?
Replies: 30
Views: 3315

Re: Have you ever acted on an instinct like this?

I am now in Index funds for the last 13 years. But in 1971 a fellow in my office came back from a customer visit and said, that on the plane someone reported that he just made a great deal with a customer and his company's stocks should go up a lot. He told that also to people he knew in a large cit...
by likegarden
Wed Jan 24, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Lost my husband's SSA account
Replies: 19
Views: 2253

Re: Lost my husband's SSA account

I think you are doing it all correctly. Marriage is to work that way. My wife and I are married now for 47 years and always do all financial things 100% together. We know all our passwords, each of us knows where all the money is. In case a female voice is required on the phone, then she handles it.
by likegarden
Tue Jan 23, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2735

Re: what is the best mouse poison?

We do not have mice in our house. We have field mice (voles) outside, and these voles do not hibernate, but eat certain perennial roots all winter. University studies showed that voles will multiply faster than you can trap them. University suggests poisoning them. When cats would be effective, then...
by likegarden
Tue Jan 23, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5131

Re: Which tropical Island to Retire to ?

As some also mentioned, on your tropical island remember that you will be soon 70, 75, 80, etc. and you might be limping and the heat might become too much. Think about that you soon might need true medical specialists, a hospital, etc.
by likegarden
Mon Jan 22, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2665

Re: Cutting cable

We are on cable from Spectrum, and they are just forcing everyone to get their digital converter boxes, one per TV. It is free for the first year, then $7 per month per box. That is a 20% price increase for 2 TVs and their 'Standard' TV, from around $70 to $84 per month. + In respect to having to wa...
by likegarden
Sun Jan 21, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Account Fraud
Replies: 20
Views: 2866

Re: Account Fraud

I went back to use my PC for financial interface, but run ahead of that first Malwarebytes and Webroot to make sure no malware is in my computer.
by likegarden
Sat Jan 20, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3006

Re: Telemarketing calls from my own prefix

We do not have a problem with that, we simply do not pick up when we do not know the name or number calling. When someone wants to talk to us, they have to leave a message.
by likegarden
Mon Jan 15, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3814

Re: Are land line phones still being supported?

Our house telephone is hardwired to Spectrum cable via a cable modem and Wifi. We are using basictalk which I bought at Walmart several years ago, costs $12 per month.
by likegarden
Sun Jan 14, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1918

Re: wild bird feed

We have squirrels, but they are never able to reach the hanging suet cakes. You have to make sure that your bird food is about 10 ft away from deck rails and tree trunks. Do not place your bird feeder below tree branches because they will drop from there onto your feeders. My two suet cakes are hang...
by likegarden
Sun Jan 14, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2263

Re: Do you correct cashier mistakes?

I will mention that they should check. Sometimes I do not know all the details, and there was no mistake.
by likegarden
Sat Jan 13, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do credit card companies determine how much credit to give you?
Replies: 5
Views: 905

Re: How do credit card companies determine how much credit to give you?

When you are retired, it seems the credit card limit will be low. We have no loans, have everything paid off, always pay the credit card on time, have a lot at Vanguard and a local bank, but only get a limit of $5k. We are using 50% of that each month every month. Some months we might have to deposi...
by likegarden
Sat Jan 13, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 2058

Re: [Lightning rods for my house? Or too "old fashioned"?

In my area lightning bolts happen when it rains. So when a lightning hits my house and it rained on the dusty roof, aluminum siding, gutters and downspouts, it might only do little damage - I hope. I also have then those wet 100 ft pines 25 ft away.
by likegarden
Fri Jan 12, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Virus reading Yahoo news
Replies: 8
Views: 851

Re: Virus reading Yahoo news

Strange things go on. For a few months when going to Google I got a bright red screen saying that there is some virus, though it is not bad. But it was not from Webroot and Malwarebytes, and those I trust. Now I no longer see that.
by likegarden
Fri Jan 12, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8174

Re: Credit card keeps getting hacked, even when unused! (4x now!)

I think my Capital One credit card fell for an inside job. There was a charge of more than $100 with a round $ number, no cents, at a local store of a large national drug store. I think buying items there will include sales tax. Capital One issued a new card. I did not go to that drug store for seve...
by likegarden
Fri Jan 12, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 57
Views: 7252

Re: New Washer - Frontload or HE Top Load

We never had a big problem with basic top load GE washers. The more 'advanced' top load GE washers had mechanical problems with our multiple daily loads staying balanced. When our now 5 year old washer - running it 4 times a day - has problems, we will replace it. We will have again extended warrant...
by likegarden
Thu Jan 11, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1918

Re: wild bird feed

We have snow on the ground and get all kinds of woodpeckers. We only hang up two suet squares which do not leave mess on the ground. Our neighbor puts out seeds and then in spring has to rake up all the dropped seeds. It is important to hang up feeders such that squirrels can not reach them.
by likegarden
Thu Jan 11, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5212

Re: Someone spoofing my phone number?

We simply do not pick up any phone calls with a phone number showing we do not know, if it is spoofed or not. For weeks now again those probably fake IRS people are calling with their fake Washington phone number.
by likegarden
Thu Jan 11, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5880

Re: Trying to downsize but still too much stuff

Congratulations to all who are able to downsize, because after a long life with many memorable events, some people are not able to get rid of many boxes of stuff. I am down to 3 suitcases.
by likegarden
Thu Jan 11, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 54
Views: 5076

Re: Letter from Social Security re Fraudulent Claim

We are getting SS, and visited their office in the past. Believe me, all you have to do to go to the SS office and present your ID and that letter, and they will explain. No big deal.
by likegarden
Thu Jan 11, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 2058

Re: Noise in my attic

We live in a 2-story home built in 1978 which has no lightning protection rods, but we have 4 large pine trees, aluminum gutters, downspouts and siding. Since our house has no lightning protection, there must be no code requirement to install them. I lived in a 4 story apartment building in Europe, ...
by likegarden
Tue Jan 09, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Fertilize dormant plants in winter?
Replies: 13
Views: 957

Re: Fertilize dormant plants in winter?

That question is answered easily in the Northeast, it's not possible to fertilize. We have snow on the ground since Christmas, will stay there until April Fools Day.
by likegarden
Tue Jan 09, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9849

Re: Effects of extreme cold weather

My car has to have 33 psig in the tires, now has only 31. That is per the ideal gas law, meaning when temperature decreases, also pressure will decrease. Remember NFL Deflategate, when supposedly the Patriots deflated footballs. The NFL brass and others did not know physics, missed learning about th...
by likegarden
Tue Jan 09, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8075

Re: The reality hits - my dementia update

Much of the problems you describe are due to aging. I am 78 with my side of the family never having dementia. But I am seeing lapses. You are certainly right in simplifying your life. I have done that, have only one credit card, one bank, one investment company (Vanguard), do not pick up phones, do ...
by likegarden
Mon Jan 08, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 2695

Re: Teeth Whitening

People in my family have not complained yet about my teeth not being pure white. I always do not buy tooth paste which is mainly for whitening, because that agent over the long term might not be good for my teeth.
by likegarden
Mon Jan 08, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8185

Re: What non fiction book will you be reading in 2018?

I will probably read again the book 'A Cultural History of Climate' by Wolfgang Behringer. He is a history professor and searched historic records for understanding climate over the last 1000s of years. He also includes findings from drilling into glaciers and bottom of oceans. He is at a German uni...
by likegarden
Thu Jan 04, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: IL Law - settling an estate with missing heirs
Replies: 11
Views: 930

Re: IL Law - settling an estate with missing heirs

I once found the family of a grandfather long-lost in Australia and his place in a cemetery, internet is great in that. Simply type their names in Google.
by likegarden
Thu Jan 04, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 5991

Re: ID theft and check cashing fraud

Going forward, I would reduce the number of credit cards and banks to make it simpler when this happens again. I also have frozen my accounts at 5 credit bureaus. Though I just found a charge on my only credit card which seems to be fraudulent. My wife has a separate credit card which we can use for...
by likegarden
Tue Jan 02, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5979

Re: Long Term House—Any Regrets on things you didn’t do?

You are young and able to climb, but retirees reading this should not buy a 2 story house because of climbing stairs in later years is not so easy. In respect to fencing, neighbor had a poorly trained German Shepard dog who took my wrist in his teeth, so we got a fence. We had bad experience with a ...
by likegarden
Mon Jan 01, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5979

Re: Long Term House—Any Regrets on things you didn’t do?

MikeWillRetire wrote : I built a brick patio while my neighbors built wood decks. That patio has been maintenance free all these years. Not so with those decks. My experience differs. Our wood deck needs repainting every 3 years. But our brick patio attracts algae and moss on surface and in cracks, ...
by likegarden
Mon Jan 01, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3821

Re: Car headlights or Daytime Running Lights - what do you do?

We have Auto positions on the light switch and use that all the time.