Search found 2749 matches

by likegarden
Fri Apr 19, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 62
Views: 1884

Re: At what point would you hire someone vs. cut down a tree yourself?

Don't do it yourself when you are older than 70. I did a 25 ft tall juniper and by trying to cut the roots I damaged one knee permanently, though it was good exercise, and "I should have been able to do it". I definitely spent more than $200 at the doctors, and that $200 would have been the cost of ...
by likegarden
Thu Apr 18, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 83
Views: 5242

Re: After financial independence, do you play credit card bonus games?

I never did credit card bonus games, had better things to do in life.
by likegarden
Thu Apr 18, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 20
Views: 989

Re: Controlling Ivy on walls

On my first house I had ivy on the chimney growing over painted wood and with its 'suction cups' damaging the paint. I got rid of all ivy on wood, but since it was invading again from elsewhere on my house and property, I got rid of all ivy, it was simply too much maintenance for us. On my present p...
by likegarden
Wed Apr 17, 2019 6:20 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6243

Re: What is your hobby and how did it come to be your hobby?

Our grandson. After former daughter-in-law ran away we took over the then several months old grandson when son was at work, is now 16 and high honor student. Gardening! that gives me exercise and fresh air. We have 300 different hostas and 60 different conifers. I grow hosta seedlings from hybridizi...
by likegarden
Mon Apr 15, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 76
Views: 3827

Re: Women, How Much Do You Pay for Haircut

We men ($17 + tip) enjoy that our women look so good with great hair styling, though that costs ($200).
by likegarden
Fri Apr 12, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 46
Views: 3228

Re: Gardening 2019

I am using the lights also as heat. I use 2 40W fluorescent lights for 2 trays to keep at 80F during 2-3 weeks of germination, and then reduce temperature to 72F via opening the enclosure. Temperature in basement is 62F, is not heated, but finished.
by likegarden
Fri Apr 12, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Another lawn mower thread:
Replies: 23
Views: 1283

Re: Another lawn mower thread:

I am on the second Toro self propelled lawn mower, first one lasted 15 years. I did an improvement recently, got my 16 years old grandson mowing my yard! I am paying him his spending money for future college.
by likegarden
Fri Apr 12, 2019 6:30 am
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 16
Views: 1674

Re: Computer Security

I like it that Malwarebytes Premium runs in the background on my PC. Yesterday it prevented me to access software from a newsplace because of possible problems. I also run a check on Malwarebytes and Webroot before I access financial places, and only use Ethernet.
by likegarden
Fri Apr 12, 2019 6:16 am
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 46
Views: 3228

Re: Gardening 2019

I am not gardening in human food crops, but mainly in perennials (mostly hostas), rhododendrons and conifers (60). I prevent damage by rabbits and other animals by spraying with Liquid Fence several times in the year. My backyard is fully fenced in.
by likegarden
Thu Apr 11, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Cleaning shingles (moss & mildew)
Replies: 27
Views: 2625

Re: Cleaning shingles (moss & mildew)

Last year I had a local house washing business wash our 20 year old roof shingles and the house walls, but not the windows. They did it nicely for $600 in a few hours on a warm February day in the Northeast. They used something like Spray and Forget and said the full effect could be seen after some ...
by likegarden
Thu Apr 11, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8031

Re: Are Airport Lounges Worth the Money?

15 to 30 years ago I flew 15 or so times from the Northeast to Europe and Asia, mostly Business class. I really liked those airport lounges, especially before and after 14 hour flights from/to Asia. Any money spent on airport lounges was really worth it.
by likegarden
Thu Apr 11, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 46
Views: 3228

Re: Gardening 2019

I am gardening all year in the Northeast, from April to October outside, from November to end of April in my basement under 24 hrs fluorescent lights. In about 2 weeks I will bring 3 trays of hosta hybrids on our deck- they will get planted into the garden in August. Thanks to Global Warming I no lo...
by likegarden
Wed Apr 10, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6174

Re: How Much Do You Pay For Haircut?

I am retired in upstate NY. $18 + $5 tip once every month, same for grandson at a barber shop.
Son has this machine from Walmart, his hair cut by himself costs him nothing.
by likegarden
Wed Apr 10, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Not much work at new megacorp job
Replies: 70
Views: 5356

Re: Not much work at new megacorp job

In my 30 years at megacorp I always found work. There was always something to do. There must be some standards and old jobs you can review, learn and improve. Megacorp must have written procedures which you should review. After meetings study any handouts in great detail. You need to be a self-start...
by likegarden
Sat Apr 06, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 118
Views: 4451

Re: Received a Ransomware email

I never received ransomware Email, but every day I get all kinds of Email which look strange, and I never klick on it to open it. We run Webroot and Malwarebytes everyday. The same with phone calls, we get phone calls every day from people and phone numbers we do not recognize and never pick up. Tho...
by likegarden
Sun Mar 31, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4625

Re: High School Senior Pictures

Wow and WOW! $500 for high school Senior picture! We paid around $60 for school pictures of our 9th grade grandson last year, never seen them again, must be piling up in the basement on a shelf somewhere, what a waste. How can you teach a young person about low-cost investing and saving for retireme...
by likegarden
Sun Mar 17, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Nightmare averted- Cautionary tale Please Read
Replies: 14
Views: 3116

Re: Real Estate Nightmare averted- Cautionary tale Please Read

Perhaps sewer lines are sometimes connected from one neighbor to the other to the town line. My neighbor had problems with her sewer line and found out that her sewer goes through my front yard to the town sewer. When I installed a privacy wall towards the other neighbor I noticed my sewer pipe at 3...
by likegarden
Fri Mar 15, 2019 6:29 am
Forum: Personal Consumer Issues
Topic: Should I move my plants away from street lamp so they can sleep?
Replies: 14
Views: 1291

Re: Should I move my plants away from street lamp so they can sleep?

More light will let plants grow better. I am just growing seedlings of perennials (hostas) in my basement under 24 hrs fluorescent light. They are there from end of November to end of April. They are growing much better than with shutting lights off for the night, some might actually bloom.
by likegarden
Thu Mar 14, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 57
Views: 3869

Re: lawn care cost

I pay nothing for mowing the lawn outside my family. But my 15 year old 6 ft grandson mows my .45 acres (minus house) for $40 per week, he will need that in college for spending. For fertilizer, insecticide, occasional seeds and anti-weeds I spend $100. Additionally I have a pesticide company spray ...
by likegarden
Thu Mar 14, 2019 8:29 am
Forum: Personal Investments
Topic: Non-Term Life insurance, Seeking your guidance
Replies: 15
Views: 589

Re: Non-Term Life insurance, Seeking your guidance

50 % of people nowadays get cremated after they die. With that burial is inexpensive, there is probably a thread here about costs, around $1000. So there is no life insurance required to cover those costs.
by likegarden
Wed Mar 13, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 6310

Re: Should I give more money to a family member?

I would follow through with the original plan, but not more. We had a similar problem. When my father died he asked in his will that the his property and savings should be divided between my brother and me each getting half. He asked us not to give money to my sister because he and my mother had alr...
by likegarden
Wed Mar 13, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 2912

Re: What time do you start your day?

I am now retired, was an engineer, then usually started day before 6 am and work at 7 and worked to 5:30 pm. Now retired we have a live-in grandson, I wake up at 5:45, high school bus picks him up at 6:40.
by likegarden
Wed Mar 13, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6209

Re: How many companies have you worked for?

4 companies in 42 years. The first 3 were 2 years each, the last 36 years. I am married for 48 years. We have our last house for 32 years.
by likegarden
Mon Mar 11, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1866

Re: Home answering machine that only kicks in after many rings?

Simply do not answer phone calls immediately. Let the caller leave a message, and then when you think you need to answer based on that message, then do that.
by likegarden
Mon Mar 11, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."
Replies: 64
Views: 7353

Re: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."

We have no financial problems. We are married for 48 years and simply continued the frugal ways our parents did. We have the same priorities, do the logical things. In case we have a problem and difference we discuss it and come to an agreement. All our finances are combined, except when following l...
by likegarden
Sun Mar 10, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax 2018 Problems
Replies: 24
Views: 1435

Re: H&R Block Tax 2018 Problems

Do not feel bad. I just did my taxes on Turbo Tax. They seem to also have problems. For some reasons they seem to think I wanted to amend my not-yet-filed state tax form, and they did not let me go back to change. There they showed different reasons for amending, one to be selected by me, and I had ...
by likegarden
Sun Mar 10, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Questions about drones
Replies: 15
Views: 1283

Re: Questions about drones

I no longer like to walk on my roof to look for roof problems, never climbed on the 2nd story roof. So I thought to buy and fly a drone to check on those roofs, also hoping to look at the top of our 3 large pines. But then I thought it would be another hassle. One neighbor told me when I would fly i...
by likegarden
Thu Mar 07, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: Why all the surveys?
Replies: 38
Views: 2203

Re: Why all the surveys?

Sometimes I get surveys which take forever to finish. I do not mind to work on a single page of questions, but not 10 or 20. Some companies will ask repeatedly via Emails to fill in surveys, even when I already did one, that is all abuse.
by likegarden
Wed Mar 06, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Winning the robo spam wars
Replies: 35
Views: 1848

Re: Winning the robo spam wars

We win that war by not answering calls, even when 'Medicare' or 'Microsoft' called.
by likegarden
Mon Mar 04, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Convince aging parents to pay for snow removal
Replies: 64
Views: 3539

Re: Convince aging parents to pay for snow removal

Not shoveling snow when you are in your 70s, you must be kidding! Shoveling is exercise, is good when done in steps. I am 79, wife is 74, and we both shoveled today our double wide 50 ft long driveway, also did a partial pass with the snow blower. Sitting all day in front of the TV or the PC is much...
by likegarden
Mon Mar 04, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 164079

Re: Boglehead Beer

Sam Adams Boston Lager here. They use German hops, use an old formula, tastes like the good old times when I was German. Doctor says 1 beer a day is good for me, permits also 2 each day, like in summer after mowing the lawn.
German beers have to follow medieval purity laws, I like that too!
by likegarden
Tue Feb 26, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9019

Re: How did mylife.com get my info?

They list my son as 'native american', I am not, my wife is not. So have to talk to my wife about that.
by likegarden
Tue Feb 26, 2019 7:04 am
Forum: Investing - Theory, News & General
Topic: Misuse of the word "technology" in finance
Replies: 45
Views: 3579

Re: Misuse of the word "technology" in finance

I am also an engineer and all they do in my grandson's Tech high school class teach about computers. We could live without cell phones and computers, but not so much without power plants, cars, trains, trucks, ships, air planes, manufacturing plants, etc. etc.
by likegarden
Mon Feb 25, 2019 6:59 pm
Forum: Personal Investments
Topic: GE Wabco Merger
Replies: 29
Views: 3928

Re: GE Wabco Merger

I worked at GE and had GE stock, but in 1965 I remembered that we should not hold more than 5% of our money in a single stock. So I sold all in 2 years, was lucky.
by likegarden
Sun Feb 24, 2019 5:28 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 198
Views: 17163

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

A year ago I had selected at Vanguard to use two-factor authentication via my wired house phone and use that since then. I access Vanguard via Google on my PC. That is, after I enter my password I will get a phone call from Vanguard with a code consisting of several numbers which I then type into a ...
by likegarden
Sun Feb 24, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9019

Re: How did mylife.com get my info?

I believe that there will be more data about you available on the web the more you sign up to and participate in social web sites and buy things on the web. I have only one email address, only give info on present Boglehead web site. We have only 2 credit cards, do not participate in Facebook and si...
by likegarden
Fri Feb 22, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: [Computer issues: Financial Predators and the Elderly, and What YOU Need to Do]
Replies: 4
Views: 158

Re: Financial Predators and the Elderly, and What YOU Need to Do

Someone here had a phone scammer possibly download malware on a computer. You could download the service 'Malwarebytes' and run it daily, which would check your software and delete any found malware.

I run Malwarebytes and Webroot before I do any financial contacts on my computer.
by likegarden
Thu Feb 21, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Robocall from someone in my phone contacts?
Replies: 24
Views: 1810

Re: Robocall from someone in my phone contacts?

Anyone with a phone number we should recognize should also leave a name to have his call picked up. I actually do not remember phone numbers well, only our land line, not even my own cell phone. We also get all kind of calls with spoofed numbers. We never answer. They also leave no messages, except ...
by likegarden
Wed Feb 20, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Tip amount for daily newspaper delivery
Replies: 40
Views: 5020

Re: Tip amount for daily newspaper delivery

One of the newspapers we read gets delivered. I pay every 10 weeks via mail to the newspaper, and add 10% as a tip to the newspaper deliverer. But reading here, I should increase the tip to 20%. It gets delivered to a tube below the mail box. After a recent snow storm I noticed the delivery lady had...
by likegarden
Wed Feb 20, 2019 2:33 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 8616

Re: How many bogleheads do you know in real life?

All guys in my monthly lunch group seem to be Bogleheads. 13 years ago before I joined the 'Bogleheads', and before the Bogleheads forum was created, I asked people in my monthly lunch group how they invest, and they said "Vanguard, Index funds and Bogle", so I joined the Boglehead predecessor at Mo...
by likegarden
Tue Feb 19, 2019 4:02 pm
Forum: Personal Investments
Topic: Girlfriend's Financial Advisor Recommendations...
Replies: 63
Views: 7708

Re: Girlfriend's Financial Advisor Recommendations...

I believe in how Morningstar ranks mutual funds. So I looked into the most recent Morningstar Fundinvestor's List of best performing 500 mutual funds and did not find Clear Bridge funds SBLGX and LCLTX at all. They have 3 other Clear Bridge funds under Legg Mason. Invesco's ACEIX is listed with a sa...
by likegarden
Tue Feb 19, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: How Much Home Value Added by Finishing Basement?
Replies: 35
Views: 2670

Re: How Much Home Value Added by Finishing Basement?

It is a great idea to finish a basement. 25 years ago I finished by myself the 1000 sqft basement under our 2500 sqft house, creating an equipment room, 2 storage rooms, a tool and work room and at the center a sitting and crafts room with a bed couch, large cabinets, large table and chairs. We very...
by likegarden
Sat Feb 16, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Medicare Fraud?
Replies: 25
Views: 1979

Re: Medicare Fraud?

We don't pick up phone calls when phone number and name of caller are not known to us. We also do not click on Emails from senders we do not know. So we miss out on all these scams and this bad excitement. Lists of people receiving Medicare are made available by Medicare to crooks, and that creates ...
by likegarden
Sat Feb 16, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 12653

Re: Mega Downsize....

It is great when all people in the house strive to declutter. I am here the only one decluttering, others not.
by likegarden
Thu Feb 14, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: What's up with my snowblower?
Replies: 24
Views: 1459

Re: What's up with my snowblower?

My snow blower worked fine so far, though it takes about 5 minutes until it throws snow far. But since people mention 2-cycle chain saws, I forgot 10 years ago after a bad snow storm to drain the fuel tank and clean out the carburetor of my small chain saw. That carb got all gummed up. The repair sh...
by likegarden
Tue Feb 12, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5609

Re: Best ways to provide STRUCTURE to retired life

The moment I retired I got asked to come back part time. I did that, worked part time for another 6 years, some years half time, other years only several weeks. I always liked to work, and this part time work was enjoyable. I fully retired at age 69. Sometimes the family restructures your retired li...
by likegarden
Sun Feb 10, 2019 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Public Library computers
Replies: 51
Views: 3912

Re: Public Library computers

I read that crooks have figured out how to read Wifi passwords. We noticed that our Wifi is strong enough 2 houses away to be used by others. So I want to keep my financials very safe by using Ethernet only.
by likegarden
Sun Feb 10, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 5750

Re: Did you investigate your partner's financial background before committing?

In the good old times when I met my wife there were no Bogleheads and internet. We looked at each other, we had no debt, parents and state had paid for our education, so none of us even thought about investigation. We simply married, and all is great for the last 49 years.
by likegarden
Sun Feb 10, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 5629

Re: 2 years in community college, then transfer? need opinion please

Our experience is that if the student lives at home during 2 years at CC and the following years at university, it will be fine. But when he would switch to dormitory life later in university, then his environment could change too much to stay successful. He and his parents have watch the first week...
by likegarden
Sun Feb 10, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 7627

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

We bought a new Toyota Camry 5 years ago following the guidance given here. I sold the 12 year old Buick myself via Craigslist for $3,500. 2 years ago I figured out via Edmunds again what the price should be for a new Chevy Malibu this time, but traded in another 12 years old Buick for $500 because ...