Search found 2372 matches

by likegarden
Fri Dec 15, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Getting rid of junk mail?
Replies: 14
Views: 783

Re: Getting rid of junk mail?

Thanks for mentioning filling return envelopes with junk mail, will do that with that scammer trying to make us renew subscriptions we do not have.
by likegarden
Fri Dec 15, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 3638

Re: Wow. Just Wow.

We had an EJ next to a Starbucks in a strip mall, but then Starbucks moved out, and I do not see EJ at their new location.
by likegarden
Fri Dec 15, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Home owner liablity questions - parcel delivery
Replies: 4
Views: 330

Re: Home owner liablity questions - parcel delivery

We have ice and snow here. In spite of cleaning and salting, all winter someone can trip delivering to houses in my area. They have to watch out.
by likegarden
Thu Dec 14, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 129
Views: 4889

Re: Snow Tires? Worth it?

We live upstate NY, are 3 adults driving 3 sedans, no 4 wheel drive, and have only all season tires. Our snow removal is experienced and plows fast during and after snow fall. Roads are always salted, so we usually do not have to drive on icy conditions. We have no problems driving in winter. One of...
by likegarden
Thu Dec 14, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions - Spouse is Employee
Replies: 37
Views: 2477

Re: Edward Jones Guided Solutions - Spouse is Employee

Perhaps I do not understand this correctly, but does EJ not permit that the poster has a 401(k) with his employer, but has to have am IRA with EJ instead? The right to a 401(k) is federal law and EJ does not permit that?
by likegarden
Thu Dec 14, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Is it good idea to buy yearly maintenance from HVAC company
Replies: 14
Views: 1423

Re: Is it good idea to buy yearly maintenance from HVAC company

I have a contract for about $270/year to check and service our furnace and AC system. The company I use does this work for at least 50 years and installed both systems new a few years ago. We are happy with their work. By having that contract from an experienced company I am more certain to get repe...
by likegarden
Wed Dec 13, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10619

Re: Do people still use AAA?

I remember needing any service only once for a bad battery, and called a towing service with my cell phone. I probably paid $70 or so, got engine started, drove to a dealer, bought a new battery, etc. In my case I had to pay $70 once in 20 years, is certainly much less expensive than AAA over those ...
by likegarden
Wed Dec 13, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 63
Views: 4153

Re: Ancestry / 23andMe

I once took a business trip on Lufthansa from NYC to Germany, and they upgraded me from Business to First Class. They must have known that I was 100% German ancestry, so no need to do Ancestry.
by likegarden
Tue Dec 12, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 63
Views: 4153

Re: Ancestry / 23andMe

I know my ancestry from 1800 on. I came from Europe, and in the 1930s one dictator forced the population to find their ancestry from records in city halls and churches to show who they were. It would be fun to get Ancestry and/or 23andMe and compare.
by likegarden
Tue Dec 12, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Paying contractors for incomplete work
Replies: 32
Views: 2348

Re: Paying contractors for incomplete work

I would pay for some of the work, there was some work done, and ask for another appointment to complete it. I just did not pay a pest spraying service because they did no work. A technician visited at the start of November and said that ticks would be dormant then and he could not spray. Though he d...
by likegarden
Mon Dec 11, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 43
Views: 5850

Re: For those retired at least 10 years, what about the money?

I am getting Social Security for the last 12 years, wife for 7 years. I also get a pension which is not adjusted for inflation, therefore low inflation over the last years helped. It also helped that we are not big spenders, though bought 2 new cars over the last 4 years. We use an RMD from an IRA t...
by likegarden
Mon Dec 11, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Kerosene Heater (for power-out emergencies)
Replies: 33
Views: 1636

Re: Kerosene Heater (for power-out emergencies)

When you use a wood stove then all exhaust escapes to the outside via pipes, and you do not have to breathe it in. When you use a portable Kerosene heater all exhaust gases stay in the room and you will breathe them in. Do people in rooms with a running Kerosene heater not get dizzy or sick? You sur...
by likegarden
Mon Dec 11, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Silicone Rings
Replies: 12
Views: 1505

Re: Silicone Rings

Someone was writing here that they wear silicone rings at home. At home my family knows that wife and I are married, so we do not wear wedding rings. My wife makes sure I do not wear my wedding ring outside during yard work, because I could lose the ring and never find it again.
by likegarden
Sun Dec 10, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3448

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: 1536

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: 1536

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: 28
Views: 1546

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: 4433

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: 2167

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: 4806

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: 3603

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: 28
Views: 3560

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: 1999

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: 7043

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: 2946

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: 6637

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: 1087

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: 2163

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: 1865

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: 3212

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: 908

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: 1200

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: 15223

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: 5075

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: 1557

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: 892

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: 3838

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: 1559

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: 4061

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: 3608

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: 5414

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: 1939

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: 11124

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: 4148

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: 4148

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: 1598

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: 2645

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: 2890

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: 4963

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...