Search found 2358 matches

by likegarden
Sun Dec 10, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3145

Re: Please suggest a dry hands product

I agree with others, I use Vaseline with good results. It actually seems to heal cracks. All other general hand cremes seem to be only helpful initially and smell good.
by likegarden
Sun Dec 10, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fraud/401k sales and the elderly parent
Replies: 14
Views: 1330

Re: Fraud/401k sales and the elderly parent

You could move all of dad's money and house into a trust and you become the administrator of that trust. Check with an appropriate attorney.
by likegarden
Sun Dec 10, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Fraud/401k sales and the elderly parent
Replies: 14
Views: 1330

Re: Fraud/401k sales and the elderly parent

I am sorry to read about the problems your father has. We are also in our 70s and also get these cold calls from fake numbers every day, but we never pick them up. These criminals have to learn where those old people are. Once an insurance company was offering me a sales job and would provide me wit...
by likegarden
Sun Dec 10, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 24
Views: 908

Re: detergent without non-recyclable packaging?

I just looked, and Tide comes in a recyclable plastic bottle, has a 2 and triangle at bottom. So, what's the problem?
by likegarden
Fri Dec 08, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4163

Re: Dollar Store Hacks

Dollar stores also have internet web sites to sell their wares. I could no longer find wire-mesh waste baskets, such you could keep under your desk. I use them in my garden, burying in the ground with only showing a rim above ground. Perennials (hosta) are planted inside, and meadow mice (voles) can...
by likegarden
Thu Dec 07, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2101

Re: Analyzing Expense Ratios

How long do you have to keep the money in that 401k to keep your employer's contribution? In the 401k I was in until 2002 we only had to keep in the money for 3 years, thereafter could use the money on other things like moving it into a rollover- IRA at Vanguard.
by likegarden
Thu Dec 07, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 4775

Re: Interesting twist to "Free 2-day shipping" at Walmart

Even at Amazon shipping is only 'FREE' when you join Prime and that is not free. I noticed that shipping only starts when the item is available for shipping, which is acceptable. In respect to shopping at Walmart, so what? I go there to buy things, and leave when I am done. People there are humans a...
by likegarden
Thu Dec 07, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 29
Views: 3525

Re: Just downsized at age 60...input appreciated

12 years ago when I simplified our investments from 401k, IRAs and stocks people in my monthly lunch group gave the right advice : index funds, Bogle and Vanguard. Then I started reading. In 1965 Vanguard had free initial financial advice and planning with setting up the first portfolio and helped m...
by likegarden
Wed Dec 06, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Firefox upgrade broke my add-on, switched to Waterfox
Replies: 24
Views: 3055

Re: Firefox upgrade broke my add-on, switched to Waterfox

About 8 years ago Firefox had a terrible update on our PCs, seemed to show parts in Yahoo or similar possibly. We all went with Google Chrome then and stayed there.
by likegarden
Tue Dec 05, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Concrete vs Pavers
Replies: 18
Views: 1981

Re: Concrete vs Pavers

You might be living in a warmer climate. I live in the Northeast and in my area all driveways up to the garage doors are asphalt. At my house also walkways to the house entrance and to the gate to my backyard are asphalt. Black asphalt helps to melt ice and snow faster, which is important to prevent...
by likegarden
Tue Dec 05, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6895

Re: Lowering My Grocery Bill

5 years ago I had compared prices from two local grocery chains against each other, and picked the lower priced grocery store. And then 3 years ago I did it again sparked by one chain suddenly raising the price of a little bag of prunes from $1.95 to $2.95. So I compared the better of those previous...
by likegarden
Tue Dec 05, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 45
Views: 2934

Re: service life of (walk behind) lawn mower?

This is my second Toro self-propelled lawn mower. My lot is 0.45 acre including house, plantings and driveway. The first one lasted around 15 years. Every year I changed oil and air filter, sharpened blades, put stabilizer for leftover gas in gas tank, looked at spark plugs. Finally that one simply ...
by likegarden
Mon Dec 04, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6530

Re: How to convince DW that high miles used car is OK

Older cars above 150,000 miles (ie. for Toyotas) will need more repairs, that means are less reliable. For Buicks it was 12 years or 110k miles, and then repairs were more costly, plus the dealer's maintenance shop did no longer know well how to fix those old cars. We always buy new cars and run the...
by likegarden
Fri Dec 01, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Water filtration system - worth it?
Replies: 17
Views: 1080

Re: Water filtration system - worth it?

It depends on the people living with you, and if the water is actually bad. Our town water is colorless, smells OK and tastes just fine - had won awards in NY state. But some people think that bottled water is better and buy it. I used town water all my life and am still healthy at age 78. Though we...
by likegarden
Tue Nov 28, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: quiet natural gas generators
Replies: 38
Views: 2138

Re: quiet natural gas generators

A friend has a Generac generator and no problems. The installer was experienced, and the generator does its weekly self-tests without problems. Others I heard complain that their generator not reliably starts up, so select an experienced installer. We have very few power outages, perhaps one 5 hour ...
by likegarden
Mon Nov 27, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1849

Re: I have Microsoft Office 2007. Should I upgrade?

When I bought a new computer last year, it had Windows 10 on it, and I was not able to load Office from a disc which was registered to my son. So we bought Office 2016 and could use all our existing Word and Excel files with it. I would upgrade when the time difference is 10 years.
by likegarden
Sun Nov 26, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3185

Re: The annoying insistence on frivolous credit checks/pulls

Last February I bought a new car from a dealer and said I would pay with cash, but I would get that from Vanguard, and I could only present a bank check after 3 working days. My accounts at the 3 large credit bureaus were frozen, and the car dealer did not ask to have them unfrozen for them to perfo...
by likegarden
Wed Nov 22, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages of Grandparents Owning 529 Accounts
Replies: 5
Views: 904

Re: Disadvantages of Grandparents Owning 529 Accounts

We gave money to our son who created with it a 529 in his name for his son's education. Also to consider is that nursing homes and Medicaid can take money out of a 529 which is owned by a grandparent in case it is needed to pay for grandparent's expenses in a nursing home.
by likegarden
Tue Nov 21, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: How long does it take a losing company to shutdown?
Replies: 16
Views: 1171

Re: How long does it take a losing company to shutdown?

I lost my job at a company many years ago. I did not even expect that it would happen to me. There was a slowdown in the economy, and they just had expanded into UK and Canada. I was married, had no kids and no mortgage. The other guy getting laid off was a bachelor, we were both engineers. That com...
by likegarden
Sat Nov 18, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15156

Re: Why pay cash for a car?

We are retired and did not want any loan or lease, had the cash and paid cash. Perhaps we got a better price paying cash.
by likegarden
Sat Nov 18, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 91
Views: 5020

Re: Do you include the sale of your home as part of your retirement planning?

No, we put it into a trust to be inherited by son and grandson. We are safe with SS, pension, LTC insurance and savings.
by likegarden
Fri Nov 17, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1541

Re: Is dent repair service worth it?

It all depends on what kind of dent your car has. 1976 one fender of my Plymouth Duster got a wide dent from a truck touching it. I thought about for days , then hit the dent from the inside and it simply popped out. Look at utube, which shows how car owners take out dents, i.e. with suction cups. M...
by likegarden
Fri Nov 17, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Windows 10/Edge Conflicts
Replies: 12
Views: 882

Re: Windows 10/Edge Conflicts

I have a new laptop and a 1 year old PC, both from Dell. Both have Windows 10 and I use Chrome with it, need only those. Now MS pushes Edge, just had an update, and I don't need it, hope it stays this way.
by likegarden
Wed Nov 15, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3810

Re: Michelin or Bridgestone?

Goodyear Assurance, on both cars. They last forever.
by likegarden
Wed Nov 15, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: How do you stop junk mail?
Replies: 29
Views: 1552

Re: How do you stop junk mail?

We do not sign up for various stores and organizations and then get their junk mail. We probably get more advertising fliers in newspapers than we get in the mail. All that junk is thrown into the recycle bin, and we are done with it, no real problem for us.
by likegarden
Tue Nov 14, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4030

Re: Paying for news?

Watching ads in news programs probably lets you pay by buying those advertised products. Some news sites require that you turn off your ad blocker to see their news or to see their videos. I had once a bad experience with an ad having a virus which crashed my computer. Therefore, I keep my ad blocke...
by likegarden
Tue Nov 14, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3573

Re: Chromebook vs Windows 10?

I do not have a Chromebook, but I use Google Chrome. I use a Windows Dell computer. My grandson's school system decided to let each middle school student use a (school owned) Chromebook for school. He brings it home to do part of his home work on it. I applaud Google to provide Chromebook at a reaso...
by likegarden
Tue Nov 14, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5364

Re: Keurig died...what now?

Keurig? I nurse all day a pot of 1/2 decaf coffee made with Mr.Coffee in the morning. That's good for me! Also that large 1/2 decaf Pumpkin Spice cup at a local convenience store has it.
by likegarden
Mon Nov 13, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1916

Re: Chromebook/Similar for Elderly Dad

OP wrote that his dad would use it when traveling, do his banking. I have a laptop which uses our in-house Wifi. Using someone's Wifi when traveling for banking will expose his passwords to others. I just bought a plug-in device so I can use it on our cable modem.
by likegarden
Sun Nov 12, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 107
Views: 11035

Re: Tipping for restaurants where you order at the counter

At Subway I leave $1. At take-out pickup at Cracker Barrel and Olive Gardens, the dinners have been assembled, and I leave 10%.
by likegarden
Sun Nov 12, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4136

Re: Septic tank - deal killer?

When you have inspection, ask the owner on which ground the septic tank sits on. As I wrote, a house sitting on sand has no septic problems, but sitting on shale will have those problems.
by likegarden
Sat Nov 11, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4136

Re: Septic tank - deal killer?

It all depends non the ground the septic tank and leach field is placed on. We had a split level house which was built on sand. We had the septic tank pumped twice in 10 years, never had a problem. Then we had a long ranch with long nearly horizontal lines from bath rooms to septic tank which was on...
by likegarden
Thu Nov 09, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: How to buy a new car with a trade-in.
Replies: 24
Views: 1596

Re: How to buy a new car with a trade-in.

I bought a new Chevy which had a $26k sticker price. My 13 year old Buick had 110k miles and Edmunds or KBB thought it was between 750 and 1300 $ worth, and it was not worth to go via Craigs List with potential trouble. So I took $500 from the dealer for the old car and got a GM credit for $3.7k and...
by likegarden
Wed Nov 08, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 29
Views: 2635

Re: $500 Windows Laptop

I recently bought a $250 Dell laptop with Windows which I use for finance exclusively once every 2 weeks and am satisfied. The other computer is a fast DELL PC which we use for surfing the internet, Office, video games and Email.
by likegarden
Wed Nov 08, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2879

Re: DIY vs work extra and pay a pro

One good example about what not to do was last year when I thought that large tall juniper was easy to do and I could save the $250 a tree guy would charge. I decided to cut out the stump, and that was the mistake, because for 1 year now I am limping. Junipers have very hard roots and stumps, and I ...
by likegarden
Wed Nov 08, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4947

Re: What do you do to keep your mind sharp?

I worked as an engineer until 69 years old. Do all house repair work and yard work except for expert work. Check Algebra home work of my 8th grade grandson. Read the internet with Bogleheads. (avoid politics to keep your mind OK) Think about finances and how to avoid scammers. Hybridize hostas, upda...
by likegarden
Tue Nov 07, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Furnace Issues
Replies: 30
Views: 1879

Re: Furnace Issues

I had a 39 year old furnace, and a technician said it needs some work, so I bought a new furnace. The new furnace is more efficient, and probably will last a long time.
by likegarden
Tue Nov 07, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: The power of cancellation
Replies: 15
Views: 2646

Re: The power of cancellation

I bought a new car with Sirius on it. I never listened to it, local FM stations are enough for me. They tried via Email to get me to sign, special deals. We are still paying those $164 / month for TV and very fast internet to Spectrum, should listen to cancel and go with other options... what a pain...
by likegarden
Tue Nov 07, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7012

Re: Negotiating for a new car purchase

There must be a difference in honesty by dealers, not so much by corporate Headquarters. I trust GM, but in my case a dealer must have sold my info to some insurance outfit, which knows exactly what type car I bought 3/4 of a year ago, plus my Email address, and is trying now via his various names a...
by likegarden
Mon Nov 06, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Mold Discovered in Potential House Purchase
Replies: 27
Views: 2874

Re: Mold Discovered in Potential House Purchase

Perhaps this house has a high water table. I would suggest to inspect how rain water is carried away from the house, if at all. Does this house have gutters, and where does the rain water go? In our house we actually have 2 sump pumps in our basement, one at each end, 60 ft apart, from the time 30 y...
by likegarden
Mon Nov 06, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7969

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

Simplification is important as you age, I will be 78 soon, wife is 5 years younger. In my family, Alzheimer was never heard of, all died after a few days to weeks in a hospital, so I might be OK. My father was an accountant, he was sharp until his end at age of 87. I am an engineer, son is an engine...
by likegarden
Sun Nov 05, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding the lifetime gift tax exemption
Replies: 12
Views: 1296

Re: Understanding the lifetime gift tax exemption

I thought the annual limit of $14,000 means that any money greater than those $14,000 would be added towards your life gift exclusion, as a matter of bookkeeping. I thought any money given greater than $14k in a year would only lead to a tax when that life limit of $5.49 MM is exceeded. Perhaps some...
by likegarden
Sat Nov 04, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on buying a car wash? Good investment or is there a catch?
Replies: 46
Views: 4143

Re: What are your thoughts on buying a car wash? Good investment or is there a catch?

In my medium cost of living area in NY state a carwash with several manual DIY wash booths and one automatic car wash with old machines closed up several years ago and never was reopened or sold. Another carwash with manual DIY wash booths and a gas station got sold and a new gas station with conven...
by likegarden
Fri Nov 03, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 55
Views: 6081

Re: Mouse In Apartment

For house owners, it is important to take care of the mice outside your house, and none will come in. I put poison pellets deep into any mouse hole I see around the house -> no mice inside the house.
by likegarden
Thu Nov 02, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees Move to Index Funds?
Replies: 13
Views: 1826

Re: Retirees Move to Index Funds?

We are 78 and 73 and have index funds at Vanguard. I am moving to a 2 fund portfolio with mostly bond index fund. This way costs are not only low, but our involvement is also low, which gives peace in coming old age.
by likegarden
Thu Nov 02, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6287

Re: Spam calls to cell phone...

I have it easy, use the cell phone only for emergencies. Once a while I simply delete all messages. My wife does not even delete them, lets them fall off when that memory is full.
by likegarden
Thu Nov 02, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 3012

Re: Do you Mow your own Lawn?

Sure, I mow my own lawn, always did. It is mostly fresh air, great exercise, and I watch my plantings while walking by. I also do all yard work. A beer afterwards gets enjoyed while sitting outside. Though watch out for ticks. Here in upstate NY per my doctor, ticks are now jumping on birds for fast...
by likegarden
Wed Nov 01, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Electric fireplace
Replies: 13
Views: 1120

Re: Electric fireplace

We have our fireplace all covered up with souvenirs and books, also full room width mantel and bookshelves are full. My wife did not like the smell of burning wood. The fire place tools ended up in the basement. So read more books and fill up a bookshelf instead of that fireplace.
by likegarden
Wed Nov 01, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Cataract billing issue - anesthesiologist
Replies: 64
Views: 7144

Re: Cataract billing issue - anesthesiologist

Yes dm200, there is an approximately $2,500 difference per eye. You would have to pay that in addition to what Medicare will pay ($2,500 too), if you want a multi-focal lens. My wife had a mono-focal lens for 15 years and was satisfied when it was my turn, so I did the mono-focal way. I know 2 peopl...
by likegarden
Wed Nov 01, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Cataract billing issue - anesthesiologist
Replies: 64
Views: 7144

Re: Cataract billing issue - anesthesiologist

I am on Medicare, and the cataract surgery with monofocal lenses was all paid for by Medicare. I had no problems paying for it, cost me nothing, never got a bill from an anesthesiologist. My wife had one eye done when she was about 58 and never had a separate bill from an anesthesiologist, insurance...