Search found 2204 matches

by likegarden
Mon Jun 19, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 2104

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: 44
Views: 3029

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: 2326

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: 225
Views: 33804

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: 1790

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: 1790

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: 3198

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: 11802

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: 928

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: 2248

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: 1368

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: 2567

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: 2946

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: 4804

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: 4951

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.
by likegarden
Thu May 18, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 915087

Re: U.S. stocks in freefall

Now we do not know what the final outcome of the news will be, that is creating another financial down or an up. I stay the course.
by likegarden
Wed May 17, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Solid salt in water softener
Replies: 14
Views: 1506

Re: Solid salt in water softener

We had a Sears water softener. It was to have been checked and fixed, but a large solid salt piece developed. After that happened I had a new Culligan water softener installed. Those installers plus the salesman had a hard time removing that old softener with the salt block in it from the basement t...
by likegarden
Wed May 17, 2017 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 225
Views: 33804

Re: Regret early retirement/downsizing

I retired at 62.5 years, but continued part time at the same company until age 69. I always liked to work in my profession of engineering. Others also worked to 70, one to 80. It all depends on the person and the job. Early retirement before 62 was never an option and never considered.
by likegarden
Mon May 15, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 3937

Re: Scolded by my adviser at F******* !

'Surveys are poorly designed' = I agree. I was asked twice to do a survey by a car service person. They wanted me to enter my answers in Google, Facebook and other social places. I gave up after doing one, what a pain.
by likegarden
Fri May 12, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Afraid I may have been hacked
Replies: 18
Views: 2768

Re: Afraid I may have been hacked

I once opened an Email from a friend and my computer crashed right then. That Email was a chain Email and probably had pre-opened attachments. I could not restart, had to bring my computer to a Geek who deleted everything and downloaded new software. Cost was $150. I wonder why my friend could recei...
by likegarden
Thu May 11, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: S. Korea (Seoul+DMZ tour+?), 1 week in mid-May
Replies: 13
Views: 1480

Re: S. Korea (Seoul+DMZ tour+?), 1 week in mid-May

You do not need to be brave. South Korea lives with the threats from of those Northern dictators for now 65 years. I remember a business meeting in 1992 where the Koreans were joking that North Korean helicopters could come over the forests to the North of their windows. I liked to go to South Korea.
by likegarden
Mon May 08, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Buying plants online
Replies: 16
Views: 1457

Re: Buying plants online

Keith did not write in which zone he is gardening.
by likegarden
Mon May 08, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Buying plants online
Replies: 16
Views: 1457

Re: Buying plants online

I live and garden in zone 5, hybrid roses are marginal here, so I bought Canadian hardy roses from a place in Maine, but that nursery is closed now for years. Those climbing roses survived very well for more than 10 years. To get good, sturdy and healthy plants I would google a lot, go to a website ...
by likegarden
Sun May 07, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1370

Re: sump pump issue

30 years ago we had a 16 hrs power failure and kept emptying the main sump every 20 minutes via buckets all night. Since then we have a battery operated backup sump pump with a standby backup battery which is supposedly good for 16 hrs. Since then we have also gutters on all sides of roofs and let t...
by likegarden
Sat May 06, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3298

Re: Swing Set 2700.00??

We had only one kid, so we frequented the sets at public parks and MacDonalds where he met other kids and had fun playing together with them. Having a playset in your yard and neighbor kids frequenting it might require additional supervision and insurance.
by likegarden
Wed May 03, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead Guide to Buying Individual Stocks
Replies: 85
Views: 6892

Re: A Boglehead Guide to Buying Individual Stocks

I remember it was full of work evaluating individual companies (stocks) in an accounting course I took towards my MBA. Nowadays I am a Boglehead and love the approach of owning the S&P 500, that is most of all US companies.
by likegarden
Wed May 03, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to Apartment
Replies: 25
Views: 3652

Re: Downsizing to Apartment

We stayed in the same 2500 sqft house for 15 years of retirement. But since we have 4 bed rooms and 2 1/2 bath we invited our divorced son and grandson to live with us, and that turned out to be wonderful.
by likegarden
Wed May 03, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24640

Re: Where to Live on $60K or Less a Year?

I always read in these kind postings that retirees look for places without state taxes. I live in NY state and pay no income tax. You can have SS, a pension, RMD, a tax credit for paying Long Term Care insurance, total income above your $60,000 and pay no NY state tax.
by likegarden
Tue May 02, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 53
Views: 3448

Re: HOA vs No-HOA

We live in the inner Northeast and have no HOA. We do not know areas here with HOA. Home owners in our large development seem to be all college educated and seem to understand the need for home maintenance. Actually we are very happy to have a home which satisfies livesoft's home selection criteria.
by likegarden
Tue May 02, 2017 5:11 am
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 28
Views: 2405

Re: water softener for whole house?

We had Culligan in the house when we bought it 30 years ago, then went with Sears which failed after 7 years. Without a water softener working we had calcium buildups and water faucets needing new gaskets and cartridges. Now we have Culligan again and are happy. We have connections to outside faucet...
by likegarden
Sun Apr 30, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: When to consider Long Term Care Insurance
Replies: 38
Views: 2902

Re: When to concider Long Term Care Insurance

All our friends have LTCI. They bought it much earlier than we did and pay much less in insurance premiums than we do. For us it is expensive, but is the best way around to have it, we think. But it seems that long term care costs increase faster than average inflation, so even with LTCI their payme...
by likegarden
Sun Apr 30, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard adviser - advice when not carrying a mortgage into retirement
Replies: 57
Views: 4614

Re: Vanguard adviser - advice when not carrying a mortgage into retirement

You should not plan to carry on a mortgage. Our retirement planning was straightforward. You could do your planning as we did : We looked at our expenses for a year, actually did a budget for a year. We then figured out that the mortgage would be paid off (I retired when the mortgage was paid off}, ...
by likegarden
Sun Apr 30, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Insurance for trip to Seoul Korea
Replies: 16
Views: 1286

Re: Insurance for trip to Seoul Korea

Do you have a Medicare Medigap policy? My Medicare Medigap plan has emergency medical coverage outside the US. I do not know how payment would be for evacuation. From 1987 to 2002 I went 13 times to South Korea on business and never worried about medical insurance coverage, also not those times I we...
by likegarden
Sat Apr 29, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3797

Re: Car maintenance for older cars - where do you go ?

I had a 13 year old car, brought it happily to a good dealer service shop for many years, but they probably were no longer training for repairing 13 year old cars, plus things kept braking because it was an old car. So I fixed that and bought a new car.
by likegarden
Sat Apr 29, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12043

Re: Microsoft, I want my computer back!

Perhaps you need a new computer. My 7 year old computer burned last October, and I bought a new Dell XPS-8910, has Windows 10, we use Google Chrome with Adblock Plus. Malwarebytes and Webroot run several times each day. We do not use bluetooth. We have no problems, except that a confusing bright red...
by likegarden
Fri Apr 28, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11621

Re: When do you plan to die?

I will die when the time is up. I look at my family and expect to live to 87, I am now 77, so 10 years to go. Some internet sites show that I might enter the 90s, would be nice. Financially we are prepared. Dieing goes slow, this spring I am starting to limp, but still mow the lawn, have to keep fig...
by likegarden
Wed Apr 26, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: House sale to cover long term care expense
Replies: 5
Views: 822

Re: House sale to cover long term care expense

NY state has 5 year look back for Medicaid. That house could have been put into a trust with the kids as beneficiaries more than 5 years before any expected need for long-term care, and it would have been safe from Medicaid.
by likegarden
Tue Apr 25, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3445

Re: co-worker had a baby chipping in on gift- how much?

Well paid for part-time work after retirement I once bought donuts for the office for $10 when I became grandpa. Nobody gave me a present.
by likegarden
Tue Apr 25, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5053

Re: $300+ to remove a racoon. Really?

I never caught a raccoon, but Havahart traps work for squirrels. I tried to catch rabbits though, caught one and 10 squirrels instead.
As suggested I would try the mothballs for a week, but then get the $300 help. That's right, you do not want stinking dead raccoon babies.
by likegarden
Mon Apr 24, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12090

Re: Will cars be autonomous in three years?

Look at all the variations in drivers, cars, roads, weather, day/night, construction going on, road signs and markings, accidents by others, etc. there will be a lot of law suits and happy lawyers in case some company introduces those too fast. There should be big signs on any of those cars, so huma...
by likegarden
Sun Apr 23, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3531

Re: how much house can we afford? Boston area.

I once lived in Topsfield. Already in 1987 many people took daily 1 hr rides into Boston from New Hampshire
by likegarden
Sat Apr 22, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7427

Re: Removing a tree - expensive!!!

I am happy to pay more for knowledgeable people cutting my trees down. Accidents can happen easily to others. Actually I enjoy watching the tree service I always employ removing my trees, they are well trained and well organized. There is never a mishap and they clean up well afterwards. I heard tha...
by likegarden
Sat Apr 22, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 5565

Re: Six pack for barbecue?

I live in the Northeast, and here Sam Adams Boston Lager is a respectable and good tasting beer. There are 2 and 3-beer days per person. But probably several of the guest will be drivers, so there is a state limit on alcohol level for car drivers to consider.
by likegarden
Fri Apr 21, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 13103

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

At a very young age I learned not to complain to others about someone, also not to nod with your head when someone complains about another person, simply walk away. My mother once politely nodded, and a fight got started between neighbors.
by likegarden
Fri Apr 21, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2744

Re: Building your own fence

Ah, how to build a fence! I had a fencing company put a cedar fence towards the front. Most of sides to neighbors and back towards the woods got chain link. I never had a problem with the chain link fence, but the cedar fence started to rot in spite me staining it every 2 years - what a pain. After ...
by likegarden
Sun Apr 16, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: 'True' Cost Of A More Expensive House
Replies: 22
Views: 3864

Re: 'True' Cost Of A More Expensive House

A more expensive house usually is also larger requiring more furnishings and their upkeep .
by likegarden
Sun Apr 16, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4625

Re: What do you do with your coins?

I have a double sandwich bag of coins inside a car door pocket and use them when paying for food at MacDonalds. What's the problem?
by likegarden
Fri Apr 14, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 44
Views: 4967

Re: Buying Sunglasses

My $15 wrap-around sunglasses from a local gas station never get scratched, though I only wear them driving my car.
by likegarden
Fri Apr 14, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Resurfacing Garage Floor
Replies: 11
Views: 1507

Re: Resurfacing Garage Floor

My floor also cracked in the middle. The part towards the house from the crack drains to the house. I stopped water running to the back into wood of the house by bolting a wooden frame to the concrete and periodically dry it with a squeezy mop. I used products from Home Depot to fill in pitted parts...
by likegarden
Thu Apr 13, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Resurfacing Garage Floor
Replies: 11
Views: 1507

Re: Resurfacing Garage Floor

My floor has whiteish scale come through the old concrete from below, epoxy scales off. Any new 2 inches of concrete would have that continue probably too, so you should consider that. Any new floor should slope towards the doors, that is any water from the cars should run out the doors and not into...

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