Search found 2618 matches

by likegarden
Thu Sep 20, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 63
Views: 3297

Re: Physical Banking - Any benefits anymore?

We have our checking there, have also several CDs there as part of our fixed income allocation. For one small pension I have to show that I am still alive, and my bank's notary public signs and stamps a paper for me.
by likegarden
Thu Sep 20, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 15
Views: 1830

Re: Landscaping costs?

I do all my landscaping work myself, but would never touch a concrete retaining wall. Though I have done 1 ft+ retaining walls using pressure treated landscape timbers, but they will last only 20 years. I consider DIY landscape work regular exercise in the fresh air.
by likegarden
Wed Sep 19, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 91
Views: 6423

Re: Did you really have something to retire to?

Something might happen in your family, i.e. there is a divorce of a child, daughter in law can not take care of a grandchild, and for many years thereafter you love to take care of that youngster and are proud and tired doing it.
by likegarden
Tue Sep 18, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1186

Re: Attic Insulation Removal/Replacement Costs

I am reading that you are re-insulating the house from the space in the attic. But does that also include installing soffit vents? I live in the inner Northeast and we have breathable attics which also includes ridge vents.
by likegarden
Tue Sep 18, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 41
Views: 5218

Re: How did you decide when to retire?

Some of the posters are so lucky making it to 65. I got really stressed out at 62 1/2 and retired then. But half a year later I was fine again and continued to work half time as a consultant at my former employer until 65, and further on and off to 69. Financially all is fine here.
by likegarden
Tue Sep 18, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1659

Re: Spectrum Cable TV Charges

We did not have a choice, in my area Spectrum replaced Time Warner, costs are lower.
One new thing irritates me : when surfing the channels I have to pass through channels we do not have, and with possibly a wrong click I could sign up for it....
by likegarden
Sun Sep 16, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3725

Re: Is home alarm monitoring worth it?

We do not have an electronic alarm monitoring system, also no dog. But for the last 31 years we have always someone at home, have 4 outside (low Watt) lights on at night, have the backyard fenced it with metal pickets as seen from the front with locked gate, have locked double doors, have double loc...
by likegarden
Sat Sep 15, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 151
Views: 7437

Re: How real is cyber risk?

Perhaps I could have downloaded something bad today from an Email from Spain, address of sender was ending in '.es'. I deleted it, was never opening it. Any Email from a sender I do not recognize I will delete, do similarly with phone calls.
by likegarden
Fri Sep 14, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 140
Views: 9506

Re: Age in Bonds - Still Recommended?

I follow the guidance given by Mr. Bogle years ago to consider in asset allocation a pension you might have. I have Social Security and a pension, both approximately same amount, and have 50/50 in stock funds / bonds, age is 78.
by likegarden
Fri Sep 14, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 9870

Re: Massive Student Loan Debt - Fiancee

Your situation is very difficult seen with my life experience. As others said, you need to have a detailed talk with your partner about how she plans to pay off her debt, that is the loans she will have when she graduates, and what salary she is expecting then. You need her financial commitment. In ...
by likegarden
Thu Sep 13, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4059

Re: I need a chainsaw to trim branches and limbs!!

Electric chain saws do not have the power as a gas chain saw. Are good for up to 5 inches dia branches. Then when I tried to use my 2 cycle gas chain saw 2 years ago the carburetor was all gummed up (gas and oil mixture), and a new carburetor would have cost as much as a new chain saw. Whenever you ...
by likegarden
Wed Sep 12, 2018 6:11 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2541

Re: The Atlantic: 'Why is College In America So Expensive?'

Some other countries realized long ago that their future improves when all of their population is well educated. This also includes citizens with low incomes, because intelligence is not limited to the well-to-do. For example, in Germany already in the 1950s a student with good grades and low income...
by likegarden
Fri Sep 07, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 824
Views: 89422

Re: [What TV Show Have You Recently Watched?]

None, we had 2 power outages 2 nights ago (usually have none) and that Spectrum digital setup needs to be reloaded and rebooted with at least a phone call and probably other work, and I hate even to think about that a lot.
by likegarden
Fri Sep 07, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8096

Re: Scaring the Old Folks

When our retirement started we had the house paid off, kid had finished college and was paid for, taxes were much lower, and we stopped saving for retirement. Therefore, when we went out more often and later spent some money on our grandson and still do, we still spent less than during the time befo...
by likegarden
Tue Sep 04, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 3908

Re: Neighbor Fencing question

For things like fence laws, there is a $20 or so book "NOLO Neighbor Laws".
by likegarden
Tue Sep 04, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 3908

Re: Neighbor Fencing question

Why not cut back that tree? Every tree is growing outwards over the years and has to be cut back to stay outside fence trouble. I cut back neighbor's 3 Green Giant arborvitaes every year above my property. In your case the property line is likely several inches outside the fence seen from your side,...
by likegarden
Fri Aug 31, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Auto Renewals
Replies: 22
Views: 1167

Re: Auto Renewals

We just today cancelled an Auto-renewal at CVS Caremark. They auto-ordered pills months faster we could use them at $65 a month.
by likegarden
Tue Aug 28, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5314

Re: How to repel wild dogs?

Thanks for this thread, it is also applicable around my house! One poorly trained Shephard dog of a former neighbor once had one of my arms in his teeth, but no bite. Now a new neighbor's dog was barking loud at me while I was doing yard work. I have always sharp garden tools with me outside, but a ...
by likegarden
Mon Aug 27, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3073

Re: How often do you change your HVAC filters?

I replace AC filter once a year. Heating is via hot water baseboard and does not have filters.
by likegarden
Mon Aug 27, 2018 7:52 am
Forum: Investing - Help with Personal Investments
Topic: 28 year's old with no retirement savings.
Replies: 31
Views: 3209

Re: 28 year's old with no retirement savings.

Nothing wrong with being 28 without retirement savings. I left college with 25, then had to buy some clothing and furniture for my apartment, a used car (at 28) and paying off a small student loan. I started on retirement savings after I married at 31 and bought first house at 34. Getting started in...
by likegarden
Wed Aug 22, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10326

Re: I own 1,387 items!

I first thought you own 1387 different mutual funds due to a very prolific financial adviser. I own a house with 400 hosta plants, 70 conifers and millions of grass plants - nothing wrong with that.
by likegarden
Tue Aug 21, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 6300

Re: Co-habitation agreement - ??

This might become a common-law marriage after a certain time. In some states it is 1 year, others 7 years. This lady should read up on common-law marriage. Perhaps he is counting on that after he lives there a few years, and part of her wealth will be his then.
by likegarden
Mon Aug 20, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3290

Re: Composite Decking Material

Same as the OP I have a 30 year old pressure treated wood deck. Perhaps you have a similar climate and exposure to sun. After cleaning and some scraping I paint all horizontal parts with Behr solid stain every 3 years, in between do a few touch ups, none this year. My deck is about 10x30 ft, and I a...
by likegarden
Mon Aug 20, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8696

Re: Edward Jones rep door knocking

Years ago an EJ advisor lady walked down my street introducing herself to neighbors working in their yard or playing with their children. She invited us all to the new EJ office next to a Starbucks Coffeeshop. She asked me how I invest, and had never heard about Bogleheads, index funds and Vanguard.
by likegarden
Mon Aug 20, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5059

Re: Do you go for annual Medicare preventive tests and screening?

mouses,
I also noticed a change in the medication to take for a colonoscopy, but had no problems with it. I am 78 and doctor found again 2 polyps; probably have that test every 4 years. A friend is 90 and no longer will have colonoscopies, doctor found several polyps during annual tests.
by likegarden
Mon Aug 20, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5059

Re: Do you go for annual Medicare preventive tests and screening?

I get the equivalent of an annual physical as I had it in the past. I see the same doctor for about 30 years, and he knows how to code for this test to get paid by my HMO type insurance which gets paid by Medicare. I take a statin for probably 20 years and have a blood test prior to my test. Colonos...
by likegarden
Fri Aug 17, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 6745

Re: Men’s Underwear recommendation

A pack of 7 Hanes briefs from Walmart, hanging around there just opposite the brassieres isles for women.
by likegarden
Thu Aug 16, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1753

Re: Mail order pharmacy

I had Express Scripts in the past without problems getting 90 day supplies of a statin. Now I have CVS Caremark and get the 90 days supply of same statin without problems. I do not want automatic refills, simply call them when bottle only contains 10. Doctor sends new prescription to supplier via in...
by likegarden
Thu Aug 16, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4704

Re: Adult piggy bank

I use a doubled up plastic sandwich bag in a pocket of my car as a piggy bank. pay at fast food places from it,
by likegarden
Thu Aug 16, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2918

Re: Sign - Speed checked by Radar

Nobody needed to check my speed and give me a ticket for speeding today. I drove interstate 88 in NY state and the road was so bad I did not dare to drive the 65 limit, did only 55. State saved money by not fixing and put signs 'Bad Road' up.
by likegarden
Mon Aug 13, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: brother laser printer--OEM or 3rd party cartridges
Replies: 13
Views: 763

Re: brother laser printer--OEM or 3rd party cartridges

Thanks for listing that Supermediastore. I just bought one cartridge for a HP Laserjet M402n at $33, whereas Staples required $ 95.
by likegarden
Mon Aug 13, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2544

Re: What's the reason you would buy reading glasses at...

I used prescription bifocal glasses until I had cataract surgery on both eyes (mono-focal). Now I use reading glasses in the strength the eye surgeon recommended. That office said to buy them at a dollar store, where each cost about $1.25 at a 50% off sale. I have 5 or 6 around the house and in the ...
by likegarden
Fri Aug 10, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6758

Re: Paper checks yes or no?

Yes, we pay most of our bills via checks. I do not like when other places have easy access to pull money via internet out of one of my accounts, I want to control that. Paper checks were always safe for us.
by likegarden
Thu Aug 09, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2672

Re: Junk Mail

We manage our junk mail, luckily are not on any huge distribution. But newspapers several days a week are also full of unwanted advertisements; throw them out too.
by likegarden
Thu Aug 09, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9438

Re: Biggest Threats to Financial Well-Being

- Do market timing.
- Invest not in the Boglehead ways.
by likegarden
Tue Aug 07, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 13703

Re: "Age in Bonds" fails almost everyone

Do not forget to treat Social Security and a company pension as 'bonds'. Mr. Bogel said that we should consider SS and pension as fixed assets. I am 78 and have SS and pension and have 50% of my portfolio in stock funds, other 50% in CDs and bond index fund.
by likegarden
Tue Aug 07, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4881

Re: Is solar power for your home a worthwhile investment?

I am reading that in my area it is not an obviously good investment, upstate NY. In my development no house has solar, none of the people we know have solar. In one street several miles away with less expensive houses every house has solar, though some near high trees, had probably a very good solar...
by likegarden
Mon Aug 06, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15444

Re: Will you pay for your kids' college/graduate education?

Yes for a public college for a bachelor degree. My parents paid for me and brother and sister with help from the state, my wife's parents paid for her and her brother and sister. We paid for our son 2 years for public college and 2 years for private college while living at home. We already have the ...
by likegarden
Thu Aug 02, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4242

Re: Ticks and common sense?

My doctor told me that infected ticks are spreading via air travel, catch rides on birds. Ticks were there also in my youth, but then those dangerous bacteria and virus did not infect ticks to infect humans.
by likegarden
Thu Aug 02, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4242

Re: Ticks and common sense?

I am in upstate NY and ticks are everywhere carrying dangerous bacteria. It is not only Lyme disease, there is also at least one other more dangerous bacteria which killed people here. I no longer go hiking, but I work in my yard spraying myself with insect repellent. In cool months I was wearing lo...
by likegarden
Wed Aug 01, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1916

Re: Why is new strip of lawn different color?

I garden in zone 5. Color depends on kind of grass, soil, water and sun. In my yard color of lawn depends on how much water it gets. I am mostly concerned with my beds of perennials, water them first, lawns get extra water (besides rain) when they are next to those beds. Lawns have also darker color...
by likegarden
Tue Jul 31, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: DOOM!!!!! Morgan Stanley warns
Replies: 41
Views: 4902

Re: DOOM!!!!! Morgan Stanley warns

We had several 'Dooms' in the past 20 years, a next one will happen certainly.
Is there a connection? Morgan Stanley warns and Federals talk about $100 Billion less taxes for us investors? (Hope my comment is OK.)
by likegarden
Sat Jul 28, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Medical records breach
Replies: 21
Views: 2022

Re: Medical records breach

Medicare gets charged $1,000 to 2,000 for a knee brace? Walmart sells those for $20, what a difference.
It seems I am missing out on some talks with scammers, because we only pick up phone in case we know ID and number.
by likegarden
Sat Jul 28, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 5762

Re: Regret Public School?

My son and grandson went to a very good public school in the suburbs. Son became an engineer, grandson is also good in math and science, now coming to high school. None of us went to private school. Good students get tracked into accelerated classes for fast learning. Any trouble makers don't have t...
by likegarden
Thu Jul 26, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9960

Re: Toughest Purchase of my Life. Engagement Ring time

I paid less about 50 years ago- monthly salary was 800, I paid 500. My wife was happy and watches the ring carefully, we are still happily married.
by likegarden
Wed Jul 25, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3439

Re: Intermittent Fasting

You can fast somewhat without an empty stomach. Try to eat only vegetables one day a week. I did that once I had my own apartment out of college. Fridays I only brought raw vegetables to work for lunch, without dressing, had those also for breakfast and dinner, worked well for me.
by likegarden
Tue Jul 24, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 96
Views: 48959

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

We don't have a Honda, are happy with a Toro. But do not fertilize a lot in spring because that would lead to a lot of green grass growth in June here in NY and followed rougher looking mowed area. We do not have a grinder, but use a hand file to sharpen blades twice a year, works OK. Ha, when our y...
by likegarden
Tue Jul 24, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 6777

Re: Cell phone tip: block callers

We do not need and do not have smart phones, only Tracfones. I never get phone calls on those, usually they are turned off anyway- once a while I delete all past calls. We are retired. At home on the house phone we know id and number of friendly callers and answer those calls. At night we delete all...
by likegarden
Tue Jul 24, 2018 2:22 am
Forum: Personal Consumer Issues
Topic: New mailbox and post, plus install
Replies: 16
Views: 1213

Re: New mailbox and post, plus install

You also have to look out for teenagers. Some here once a while use baseball bats on them while driving by.
I used a 4x4 vertically in the ground and slipped one plastic roomy mailbox over it, and after screwing it to the 4X4 it stays there forever.
by likegarden
Mon Jul 23, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2653

Re: Rain shower

Some here talked about taking cold showers. I take those outside sometimes after yard and lawn work on a hot steamy day. A fan type hose nozzle does it beautifully.