Search found 2854 matches

by likegarden
Wed Nov 06, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Lost Check
Replies: 12
Views: 734

Re: Lost Check

We are paying credit card and Paypal electronically, all other accounts are paid via paper check, and in 50 years never had a problem with paper checks. But I am reading here that people have problems with electronic payments and the devices used with it. So it seems to me that the check cashing sys...
by likegarden
Wed Nov 06, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2285

Re: Stinky Front Loader (Washer)

We have a Speed Queen (commercial heavy duty) top load washer and only use Tide (free & gentle), nothing stinks there. Our dryer is a GE front loader, and we use one sheet of Snuggle per load. Everything smells nice there too.
by likegarden
Wed Nov 06, 2019 7:13 am
Forum: Personal Finance (Not Investing)
Topic: How common is ACH fraud on checking accounts?
Replies: 55
Views: 10227

Re: How common is ACH fraud on checking accounts?

I , we have checking accounts since before 1968 and have never seen any irregularities on those accounts and banks. We also do not use smart phones in finances.
by likegarden
Sun Nov 03, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 3667

Re: No out of network coverage

We have Medicare Advantage insurance in form of HMO. This summer we took a trip from NY state to Cape Cod, I fell on rough rocks, got a badly bruised arm. There was no Urgent Care open on a Sunday afternoon, but an Emergency doctor at a hospital found no real problem. The cost to us was $250, so we ...
by likegarden
Fri Nov 01, 2019 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3431

Re: Part D - thinking of shifting to Walmart

CVS is a nuisance with their automatic calling service. I am perfectly able to look into my pill bottle and count how many pills are left, but they start calling every day and fill the prescription 2 or 3 weeks ahead of me needing more pills. With 4 persons in my household having prescriptions those...
by likegarden
Mon Oct 28, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Window well problems
Replies: 10
Views: 684

Re: Window well problems

As the other poster said, you need to install gutters and connect their downspouts to pipes bringing the water far away. Soil should also slope away from the house. But perhaps your property has no sufficiently lower spot? We had close to a wet basement when initially after moving in into a house th...
by likegarden
Mon Oct 28, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Window well problems
Replies: 10
Views: 684

Re: Window well problems

You can buy clear plastic window well covers at Home Depot or Lowe's. We once lived in a house with window wells, and one of the first fixes we did after moving in was install window well covers, and never had any problems there.
by likegarden
Fri Oct 25, 2019 6:12 am
Forum: Personal Consumer Issues
Topic: Anybody use a battery-powered snowblower?
Replies: 33
Views: 1766

Re: Anybody use a battery-powered snowblower?

You did not write if your 40' driveway is 2 cars wide. Also to consider is what snow plows deliver into your driveway. I have a 9 HP gas snowblower in Upstate NY and many times that is not really enough. So a battery powered snowblower would not work well here. It all depends on your age too, when I...
by likegarden
Tue Oct 15, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4106

Re: How much do you spend on cellular annually?

We have Tracfones and pay $55 each per year for cellular phone service, use this in cars for emergency and ordering pizzas. (get that $55 or 60 by ordering a year after first adding 1 month). We do not need any smart phones and their computer service because we are retired and have PCs with access t...
by likegarden
Mon Oct 14, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: poor Boglehead sending my kids to college
Replies: 69
Views: 5814

Re: poor Boglehead sending my kids to college

I would chose to go to dad's college and live at home and spend all saved money on a graduate education elsewhere. Going the first 2 years to a Community College was mentioned. Our son went 2 years to a NY Community College into an engineering program which led to transfer to a 4 year private school...
by likegarden
Mon Oct 14, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Roof not installed properly
Replies: 21
Views: 2366

Re: Roof not installed properly

I think after the roof inspector you should contact the shingle manufacturer and get all shingles replaced. We did that on our first house around 1977. We had the roof get new shingles, and noticed that they were warping - were manufactured with not enough asphalt. The shingle company agreed and rep...
by likegarden
Fri Oct 04, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8243

Re: Wedding Finances-Today

I wonder if there is data which relates total cost of weddings to number of years staying married. We had little money many years ago, had a low cost and enjoyable wedding and are still married now for 48 years.
by likegarden
Fri Oct 04, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Pest Exterminator DIY
Replies: 27
Views: 2063

Re: Pest Exterminator DIY

We have a bug-free home by having a bug-free outside and by that also protect our plantings. We live in the Northeast. I usually take care of mice and insects myself. For mice, I put Tomcat pieces into any mouse hole I can see outside, and have Z shaped PVC pipes outside under plants containing same...
by likegarden
Fri Oct 04, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6480

Re: Do you know what your partner spends money on?

Yes, since we got married 48 years ago we have a single checking account. We have a single credit card account with two credit cards which have different numbers. We review our credit card purchases every month, also to find any we did not make. We do not have a strict budget, but know for the last ...
by likegarden
Fri Oct 04, 2019 6:19 am
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4339

Re: Mouse in the house

The worst case of mice I ever had was a house with an attached garage, with the garage open to the house attic, connected via a staircase, all under one roof. I caught 20 mice per year there. Snap traps do not have to kill instantly : I caught one mouse on a leg, and it was crying...
by likegarden
Thu Oct 03, 2019 6:34 pm
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 7812

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

In that study they should separately have tested people with higher education, like me being soon 80 and having an MSME and MBA, and having worked until age 69, last years part time. My wife also has a Masters degree. I feel competent financially. We get many phone calls everyday, only pick up 1 or ...
by likegarden
Thu Sep 26, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4939

Re: Protection From Catastrophic Medical Costs When Fully Insured

In respect to HMO, our area in upstate NY has several very good hospitals, all good doctors and hospitals accept it, all 20 min by car from our house. I recently had a minor accident and had no problem seeing a doctor in a hospital 5 hours away, also no pricing surprise.
by likegarden
Thu Sep 26, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: land survey cost
Replies: 21
Views: 1287

Re: land survey cost

We lived in 3 houses and for each we had a survey done. Here is what happened to us: For present property we had a survey done in 1987, probably for $1000 then, 3 corners in the back had existing markers (surveyor rods), one scratch was added at an electric box in front (it was too dangerous to hamm...
by likegarden
Thu Sep 26, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4939

Re: Protection From Catastrophic Medical Costs When Fully Insured

We have an HMO health insurance for the reason that we do not want to haggle over medical bills. No bill shall be sent to our house, all only to the insurance company. Once just before a colonoscopy in the lab of a small hospital in Upstate NY I was asked to sign a paper permitting that medical bill...
by likegarden
Tue Sep 24, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Letter from Amex - scam?
Replies: 34
Views: 3853

Re: Letter from Amex - scam?

I would investigate such letters too. But we got voice messages from Microsoft and now Apple.com that there is a refund available for money paid by us on computer repairs which we did not do, and we never reply.
by likegarden
Sun Sep 22, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Stump Grinder - Ridiculous Side Hustle??
Replies: 51
Views: 7379

Re: Stump Grinder - Ridiculous Side Hustle??

Usually when I have a tree removed, I had the same guy also grind the stump. He has two stump grinders, one of them is slimmer and fits through the gate to my backyard, with backyard being fenced in. Both stump grinders are remotely controlled, so he can stand far enough away and will not be hurt sh...
by likegarden
Thu Sep 19, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Moisture and mold found during home inspection
Replies: 53
Views: 3085

Re: Moisture and mold found during home inspection

Owner should fix this problem before you make an offer. For example, our present (third) house had some standing water in the basement when we first viewed it. I complained, the owners put in that corner another sump pump, and we bought the house. On our second house we did not notice during inspect...
by likegarden
Thu Sep 19, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8115

Re: How to handle "split-the-bill" group lunches?

I meet a group of engineers for lunch for the last 20 years. We always start in the bar having a drink and pay right there for it. We are always ordering similar meals at approximately the same cost. After lunch one of us gets the bill for the meal, adds the tip and divides it evenly, never had a co...
by likegarden
Wed Sep 18, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 49339

Re: Selling home- Demanding Buyer (Repairs)

Thanks for this interesting thread! I do not remember 'contingency' when we had to move twice in 2 years in the 1980s when my company moved me to and from Boston. Then we knew about 'bridge loans'. So why do people not simply take a bridge loan when they buy the next house before selling the present...
by likegarden
Sun Sep 15, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Senior fell in major store
Replies: 25
Views: 3180

Re: Senior fell in major store

I am also in age there. I recently fell on a rocky beach and needed medical help. I got simply confused with my hands when taking shoes off while standing. It was my fault. So in a store you can get confused walking on stairs or bending down looking for things and fall....etc.
by likegarden
Thu Sep 12, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help
Replies: 45
Views: 5857

Re: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help

Per NOLO book 'Neighbor Law', in case you permit them using your property for more than a certain time (depending on your state) without them signing a paper stating that this is only temporary and could be canceled by you anytime, that property part or right will belong to your neighbor, so watch o...
by likegarden
Thu Sep 12, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Need ideas for NY Upstate Getaway
Replies: 48
Views: 3156

Re: Need ideas for NY Upstate Getaway

Here are the closing dates for NY State Parks Lake George battlefield and Prospect Mountain.
https://www.dec.ny.gov/outdoor/7820.html
by likegarden
Wed Sep 11, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: What are you doing about lantern flies?
Replies: 13
Views: 1271

Re: What are you doing about lantern flies?

We here in Upstate NY don't have this problem yet. When they come I will try various sprays at hand. I.e. I have an exterminator coming every 2 months to spray with natural oils against mainly ticks, though they also have an effect on mosquitoes. They had no effect on hornets, but me spraying with B...
by likegarden
Sat Sep 07, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3463

Re: Laser or inkjet

Many years ago we had an ink jet printer and gave up on buying the ink things often, plus we really did only need black and white.
We now use an HP LaserJet Pro M402n together with LINKYO Premium Cartridges - HP cartridges are too expensive.
by likegarden
Wed Aug 28, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 4215

Re: Mouse invasion!

What Westie wrote, it means that you will not kill them faster with traps than they have babies. That's the reason I use poisons outside which they will carry to their hiding places.
by likegarden
Tue Aug 27, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 4215

Re: Mouse invasion!

Mice around my house don't get into the stage to think about how nice it would be living inside my house over winter. They sample some cut-up Tomcat squares I put outside in a Z shaped PVC pipe and bring them home to their families which then also do not need to dream to live in my warm house over w...
by likegarden
Sun Aug 25, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17566

Re: White collars- How much is your work downtime?

I believe in my 30 years at a very large US company I never had downtime. When it seemed I had nothing to do, I found something useful to do. As a mechanical and controls engineer with an MSME and MBA I always found problems to be solved and new ways to be created. There was always casual overtime.
by likegarden
Fri Aug 23, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Lawn chemicals - any experts here?
Replies: 37
Views: 2228

Re: Lawn chemicals - any experts here?

A lot of times it is not needed to treat the whole lawn anyway. Once you have treated a whole lawn, next year only spots need to be sprayed per my experience. Some weeds only appear in spots, such as on my Northeast lawn where crap grass only shows up close to the road with possibly cars and snow pl...
by likegarden
Fri Aug 23, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for a new professional out of college
Replies: 48
Views: 3148

Re: Budget for a new professional out of college

To make a budget I would make a list of monthly, quarterly and annual expenses and the salary, like listing those in Excel as they would appear over a year. You could list all expected expenses by the week, and by the date they would occur; list the salary at the date it would appear in the bank acc...
by likegarden
Mon Aug 12, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3063

Re: Checking credit card statements

In the last 3 years : One year a girl in a shirt store during our vacation billed the same $95 twice on my card - I saw her use 2 different registers. My card showed that I bought gas at a gas station I never stop at. Then 2 weeks before Christmas I was supposedly to have bought something for $125 a...
by likegarden
Sun Aug 11, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 10192

Re: Breakfast Menu After Retirement

I have a half-decaf coffee, one banana and a raisin-cinnamon muffin, am now fully retired for 10 years, weight is 171 lbs.
by likegarden
Thu Aug 08, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Soil erosion, rain runoff— major concern or no?
Replies: 17
Views: 1442

Re: Soil erosion, rain runoff— major concern or no?

You would need to study the drainage situation at this house. That house might also have a wet basement. It is important to find a place you can direct all that runoff to. In my present house we had a wet basement, solved that with a battery powered backup sump pump. To prevent water going down the ...
by likegarden
Thu Aug 08, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 3001

Re: Do you pay for kids college if a non-STEM major?

We did not tell our son and grandson what to study in college. But I have a MSME and MBA, and my wife has a MA in public school music education. My son appreciated that I liked my job as an engineer and decided on ME. And my grandson being now in grade 10 in HS saw us engineers liking our jobs and u...
by likegarden
Thu Aug 01, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Phone for elderly hard of hearing?
Replies: 13
Views: 515

Re: Phone for elderly hard of hearing?

I am using a Fanstel ST-50 phone, costs around $100, I like it.
by likegarden
Thu Aug 01, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Don't store stuff in trash bags.
Replies: 19
Views: 2511

Re: Don't store stuff in trash bags.

I agree with a comment given, "don't store anything"!
I am busy using a shredder these days.
by likegarden
Thu Aug 01, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3372

Re: Gifts to Bring when Traveling Overseas

I am older, and carrying a lot is not an option. When visiting Germany 7 years ago I met my nephew and his 2 kids two times, so I gave them 100 Euros to buy some toys for the kids to be busy while I visited.
by likegarden
Mon Jul 29, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Tree Removal Crane vs Boom
Replies: 24
Views: 1560

Re: Tree Removal Crahttps://www.bogleheads.org/forum/viewforum.php?f=11ne vs Boom

My neighbor had just one large maple removed with a truck mounted crane. It was quick and without damage. That tree was close to their house, on a slope, touching my fence and another fence was in front of it. They did not grind out the stump. It started with 4x8 plywood (looked like it) placed on t...
by likegarden
Sat Jul 27, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Laundry wrinkle remover
Replies: 24
Views: 1503

Re: Laundry wrinkle remover

I am retired and wear all clothing un-ironed. In case they are still wrinkled after hanging in the closet, my body will iron them when I wear them. Others in my household have some of their clothing ironed by my wife though.
by likegarden
Mon Jul 22, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Tree guy is no-show; payment was "deposit"
Replies: 47
Views: 5977

Re: Tree guy is no-show; payment was "deposit"

I never heard about paying a tree guy ahead of him doing the job! Over the last 40 years in my medium cost of living area I always paid when the job was done.
by likegarden
Thu Jul 18, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: replacing mulch bed recommendations
Replies: 35
Views: 2621

Re: replacing mulch bed recommendations

What livesoft writes is mostly true, but steady bending your body and pulling weeds creates energy in your body. I am a weed pulling guy, also use a hoe, and one week later do it again, save all that money paying for not using a gym, have that weed pulling gym at home, and a beer right after it.
by likegarden
Wed Jul 17, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Deck with Lattice skirt
Replies: 13
Views: 1126

Re: Deck with Lattice skirt

We have a skirt of horizontal 1x4s under our pressure-treated wood deck. Woodchucks were climbing over the skirt or dug under it until I closed those in with chicken wire mesh. Now a family of chipmunks live under it. You certainly need to slope the dirt away from the house. and cover it thickly wit...
by likegarden
Sat Jul 13, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 5212

Re: "Objective" Importance of Keeping Your Physicians?

I have the same PCP for 30 years, he works in the same building he started in, and we live in the same town for those years. He knows me and any previous health problems I had. My wife now also goes to the same PCP. We are happy with his work, so why change.
by likegarden
Tue Jun 25, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 13813

Re: How did you lower your annual expenses?

We are retired and have no problem with spending money for what we like. I.e. we like to buy takeout from certain restaurants. But years ago I compared prices at different grocery stores, essentially got turned off by changing prices on items abruptly by stores. (I thought "what's going on" when pri...
by likegarden
Mon Jun 24, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4282

Re: Tenant identity theft issue on lease

We had a thread here once where a lady in California was renting and then not paying. It was found that counties there were not sharing eviction notices, such that she could do this not paying rent in one county after the other.
by likegarden
Mon Jun 24, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Clearing undergrowth and bush
Replies: 37
Views: 2628

Re: Clearing undergrowth and bush

Don't do it when there is a chance you could hurt yourself! You will be working just above the ground with poor visibility. I am many years older than you and made a mistake 3 years ago by wanting to cut the roots of a very large juniper which I had cut down successfully. I got my knee injured by th...