Search found 2806 matches

by likegarden
Mon Jun 24, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 24
Views: 1970

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: 24
Views: 1359

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...
by likegarden
Mon Jun 24, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Belt sander or disc sander for refinishing decks?
Replies: 25
Views: 1626

Re: Belt sander or disc sander for refinishing decks?

I live about 250 miles north of NY City. We have a pressure treated wood deck since 1987 and have never needed to replace wood. The deck gets sun in the afternoon. I was told to use a solid stain so the sun can not damage the wood. I use a waterproofing solid stain from Home Depot, and needed to do ...
by likegarden
Sat Jun 22, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5350

Re: Tree stump, can't use a stump grinder. Solution?

Use an excavator : I once came upon an excavator ripping stumps out of the ground, what a show. The landowner wanted to harvest the trees of his property and afterwards needed to make the land presentable for a future buyer. So he had this excavator ripping out the stumps out of the ground one at a ...
by likegarden
Thu Jun 20, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5350

Re: Tree stump, cant use a stump grinder. Solution?

The arborist I use has a small grinder which fits through my fence gate, got all stumps ground out. It is a real show when he operates his large grinder remotely, watching him is worth the money.
by likegarden
Wed Jun 19, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 53
Views: 3307

Re: Best way to teach my 4 year old to be fluent in Spanish?

You can postpone for your child to learn Spanish until Middle School. My son learned German in Middle School and High School, same as my grandson. I speak German to my grandson occasionally.
by likegarden
Wed Jun 19, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 160
Views: 23874

Re: Don't pay full price for SiriusXM radio

When I bought my car new I was asked to sign up for Sirius several times, did not find a reason to do so. Since I am retired a while I notice that concentration is no longer as good, and Sirius has more services as previous radios had, which could get me involved in an accident by listening to Siriu...
by likegarden
Wed Jun 19, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 522
Views: 42879

Re: Why are you NOT buying rental properties?

When you have time to rent and maintain properties in your spare time, then you probably have not enough to do at your day time job and did not excel at your job with extra efforts. In the last 30 years before retiring I spent many 12 hour days at work- not always paid, had to travel many times to A...
by likegarden
Tue Jun 18, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5803

Re: Are you a member of nextdoor.com? Any concerns registering your info?

There is a Nextdoor for my neighborhood, but we live in this neighborhood and same house for 32 years and lived here just fine, always being friendly and helpful, so why complicate things. Plus, why should I care what someone 5 houses down the road thinks. And then we even do not have smart phones, ...
by likegarden
Sun Jun 16, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 3713

Re: Mosquitos

Mosquitos were gone in my yard when a pest control company sprayed every 2 months in form of a fog with several natural oils. That was done to protect me against another tick bite. Now the same company used a different sprayer, and mosquitos are back. So I use a 'Cutter' spray which is based on DEET...
by likegarden
Sun Jun 16, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 75
Views: 10754

Re: Is it a waste of money having your furnace checked every year?

It is not a waste of my $230 each year to get our heating (natural gas furnace and warm water heat) in January and central A/C (air handler in attic of 2-story house, compressor outside) in April checked out. The maintenance people are from the company which installed the equipment and are trained f...
by likegarden
Sun Jun 16, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4094

Re: how is Home Depot's contractor service (for a water heater)?

I have very good experience with a local heating and A/C company which is in business since at least the 1970s. They put a new A/C in 5 years ago, then 3 years ago a new furnace and hot water heater using natural gas. The inspector said that this company really knows how to do it. I also used a loca...
by likegarden
Sat Jun 15, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4120

Re: My Bad Experience With Angie's List

done.com is now services.porch.com, Google says.
by likegarden
Fri Jun 14, 2019 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Professional work titles
Replies: 30
Views: 2644

Re: Professional work titles

Same as OP I worked for a megacorp with technical leaders directing 10 or so engineers. One leader also had 50 engineers in India to lead. $175 k annual salary would have been great 20 years ago! When I became a lead I still had to keep my preceding job assignments. When sales increased rapidly my m...
by likegarden
Thu Jun 13, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 3756

Re: Late Life/End of Life Expenses

A friend once mentioned at our lunch group that he just visited his mother in a nursing home for which his mother paid, and next to her was a lady who got her stay paid by Medicaid. That was same care except that one person paid herself, and Medicaid paid for the other.
by likegarden
Thu Jun 13, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 3904

Re: Toyota Sienna tire replacement at 12k miles

The tire treads on our 2013 Camry were close to legal minimum at 30,000 miles of local driving, should have been better tires. We bought new Goodyear tires rated for 60,000 miles for this Camry.
by likegarden
Mon Jun 10, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 3644

Re: Preventing Identity Theft

Simplify your financial life, that is reduce the number of accounts and credit cards. That will also reduce your work in monitoring your finances.
by likegarden
Fri Jun 07, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Camry Owners What Fluids do you flush if any on your car and how often
Replies: 11
Views: 1570

Re: Camry Owners What Fluids do you flush if any on your car and how often

We drive a Toyota Camry since 2013, has 45,000 miles now. This car is mostly driven at low speeds, not much on express way. I reviewed the manuals which came with the car, and made a list for our use : Lube oil and filter change every 10,000 miles, brake system fluid flush every 40,000 miles, fuel i...
by likegarden
Wed Jun 05, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 2707

Re: Buying Burial Plot in advance

I told my son to drop my ashes at a stream in the mountains - that's my 'burial place in advance'. It will be scenic.
by likegarden
Mon Jun 03, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 2940

Re: Painting Cabinets - Is it that hard ?

In case you want to paint bathroom cabinets, you have to consider the damp environment. I did that on our bathrooms by painting cabinets inside and outside first twice with a very good primer.
by likegarden
Sat Jun 01, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 10886

Re: How long have you been unemployed?

Lost my job due to economic downturn in 1972, found the best job I could hope for after 2 months unemployed. Stayed in that job at mega corp for 30 years plus several yrs consulting. I am 79 yrs old.
by likegarden
Sat Jun 01, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11066

Re: Paying Kids For Good Grades -- do you do it?

We decided to give our grandson $100 for every quarterly report card with mostly As, and he is responding, will be getting an award in high school coming week. In 3 1/4 years he will start college, and those $100s will be useful in college.
by likegarden
Sat Jun 01, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: What to do with a 24" analog CRT TV?
Replies: 56
Views: 2972

Re: What to do with a 24" analog CRT TV?

In the past my town had one day on which we could place such CRTs at the curb, but they decided not to continue it. So the town had no longer interest in recycling, left it to us to recycle! We decided to let the large garbage company recycle our old CRTs and placed them inside our garbage container...
by likegarden
Fri May 31, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Tracking down a wasp nest
Replies: 20
Views: 1825

Re: Tracking down a wasp nest

I got stung by a wasp once, that had a nest also in the ground, under a small juniper. Usually wasp nests are under the roof overhang, but that was in the ground. I ran as fast I could into the garage but it was faster and stung me while I was running.
by likegarden
Thu May 30, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 32
Views: 2378

Re: Splitting fence cost with neighbor

I have a house with fences all around the backyard. I paid for all the fences, except for a 30 ft wooden fence on one side. All of my fences are wire-mesh or aluminum picket type, except for that wooden piece. That wooden pressure treated fence also has a post rotten underground. Since that neighbor...
by likegarden
Wed May 29, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: How to affordably get rid of home pool
Replies: 35
Views: 2470

Re: How to affordably get rid of home pool

Why not break up the concrete and dump it into the pool, need less soil then, if the town allows that. In my area in the Northeast pools are rare, like 1 out of 20-30 homes have it. My neighbor has one, our lots are 0.45 acre. He really does not understand how I have more space in my backyard, actua...
by likegarden
Tue May 28, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: What’s the best material for paving driveway?
Replies: 33
Views: 2312

Re: What’s the best material for paving driveway?

Asphalt probably cracks a lot because it was too thin. I am in the Northeast and Asphalt should be 4 inch thick probably.
In my area all houses have asphalt driveways.
by likegarden
Mon May 27, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Electric Wood Chipper?
Replies: 9
Views: 773

Re: Electric Wood Chipper?

Last September I bought a little electric chipper /shredder Wen model #41121 from Home Depot : https://www.homedepot.com/p/WEN-15-Amp-Rolling-Electric-Wood-Chipper-and-Shredder-41121/305094298 I used it several times last and this year to chip up pine branches and cuttings from bushes, just to remov...
by likegarden
Wed May 22, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Frustration dealing with contractors....am I doing something wrong?
Replies: 43
Views: 4481

Re: Frustration dealing with contractors....am I doing something wrong?

I live 3 hrs north of NY city near Albany and have no problems finding contractors to cut trees down. I use the same tree people for 15 to 20 years, and they are doing superior work. I usually have tree work when all other plants are asleep = only little damage possible to the landscape in November....
by likegarden
Wed May 22, 2019 6:03 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3433

Re: Another Honda maintenance thread

We don't drive Hondas, but for both of our cars I made lists of how often and when I have to change fluids and do all services. I also have lists of service done on each car over the years for easy reference, and keep those in each car. This protects me against unreasonably early service requests of...
by likegarden
Tue May 21, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11321

Re: Should I encourage my kids to work in high school/college?

We told our son and grandson to concentrate on learning in school, and to get very good grades instead of working. Son became an Eagle scout, then graduated with a BSME. Grandson has a GPA of 4.0+, is in High Honor in 9th grade, wants to go into Engineering as his father and grandfather. In school h...
by likegarden
Mon May 20, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Disposing of Residential Landscaping Rocks, Concrete, etc...
Replies: 22
Views: 1838

Re: Disposing of Residential Landscaping Rocks, Concrete, etc...

I agree with using Uhaul. We rented a truck from them 12 years ago after a bad ice storm. We had a 20 ft long wall, 3 ft high of pine branch bundles piled up at the road and the town was too busy to pick those up. My son and I loaded the truck with those bundles, drove to the town waste/ recyclables...
by likegarden
Sun May 19, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 36
Views: 2695

Re: Long Term Care Insurance

We have LTC policies from Genworth which we bought 17 years ago around the ages of 60. We are paying now $8k per year for both of us together. By buying policies earlier you will have lower premiums later.
by likegarden
Thu May 16, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23135

Re: Selling home- Demanding Buyer (Repairs)

$15k in requested repairs on a $475k house is really inexpensive- I would pay some of that and get the sale done. We bought a house in 1985 north of Boston which required us to have the septic tank pumped out every half year. In case of redoing the septic system that town then would have required us...
by likegarden
Thu May 16, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6026

Re: Which car has the best or most comfortable cabin under 35K

I am a soon 80 years old retiree with a problem right leg and hip and drive around / park for 2 hours each day. I find my Chevy Malibu LT (list price $26.6k) very comfortable. My driver seat is powered and lets me adjust for comfort in multiple ways.
by likegarden
Tue May 14, 2019 5:46 pm
Forum: Personal Investments
Topic: refusing inheritance
Replies: 45
Views: 5030

Re: refusing inheritance

You do not need to do what the parents and their will want. My father's will excluded my sister who had cost him a lot of money to go to college, not continuing with it and living with someone, but then got sick. My brother was the executor of the will, and he and I took only 1/3 each, and I establi...
by likegarden
Tue May 14, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3167

Re: Police and Troopers fund.

Simply do not pick up the phone when you do not know the phone number and caller. We got calls from those organizations located 300 miles away. We support locals, but not 300 miles away.
by likegarden
Mon May 13, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: I just do not understand how some think.
Replies: 22
Views: 3044

Re: I just do not understand how some think.

I do not use any financial software. We are retired and everything moves smoothly. We have no budget, but only buy and pay what we usually pay. But sometimes to schedule part of the RMD properly, such as when going into vacation or paying school taxes, I make an Excel worksheet for a month or 2 to s...
by likegarden
Mon May 13, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Crawl space encapsulation
Replies: 36
Views: 2747

Re: Crawl space encapsulation

I have a basement in my house, but also had water issues 30 years ago. You need to make sure that water from your roof during steady rains does not find its way into your crawl space. Do you have gutters on your roof, and do the downspouts bring the rain water far away from your crawl space? In my c...
by likegarden
Mon May 13, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Inherited ranch
Replies: 97
Views: 7910

Re: Inherited ranch

The parents who died did not seem to insist that the farm should stay in the family, because then they would have selected a single heir to the farmland in their will. I read sometimes that a single heir to a farm was selected, others got little. So this one of four heirs in this case wants somethin...
by likegarden
Sat May 11, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1300

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

I have read comments here about birds (woodpeckers) making holes in house siding and fascia boards. Perhaps you should fix the holes by replacing them with other material, such as aluminium. My house has aluminium siding and fascia boards, has no holes.
by likegarden
Wed May 08, 2019 6:36 am
Forum: Personal Investments
Topic: How to convert mutual fund expense ratio to dollars?
Replies: 28
Views: 10104

Re: How to convert mutual fund expense ratio to dollars?

The ER of 0.08 % is the only type expense I have to face when investing at Vanguard, but at other places there are additional expenses. For example some funds could have a front load at i.e. of 5.5%. There could be an Assets under Management (AUM) fee of 1 to 1.5%. Vanguard has that at 0.3% if you s...
by likegarden
Tue May 07, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: grubs and skunks
Replies: 17
Views: 1521

Re: grubs and skunks

I use Grubex every year, have no longer any skunks tearing up my lawns, though had some mouse holes in one area.
by likegarden
Tue May 07, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Lost Mail
Replies: 29
Views: 1675

Re: Lost Mail

Only a data point : we have sent checks to pay bills for more than 50 years and never lost a check payment.
by likegarden
Mon May 06, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 79
Views: 6246

Re: College/life prep for young kids

Wife and I are retired. We have house paid off, have IRAs and other savings at V. Grandson sees that I and son are engineers and have decent income and safe jobs. Wife was a public school teacher. Grandson sees that we all are doing fine and decides to also get a STEM education and works hard in hig...
by likegarden
Mon May 06, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 11300

Re: Rarely used items that are worth having?

I live in the Northeast for 50 years, never needed any emergency supplies - there is always Walmart. About snowrakes - people use it from the ground on single story houses, but can't reach to the top of the roof, and by that create a ridge which will form an ice ridge which can lead to leaks through...
by likegarden
Mon May 06, 2019 6:07 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 4112

Re: ants - aargh

Every year I buy a bag of lawn insect control ($20) and spread that sparingly around the house walls outside, keeps the ants outside. Since ants become active this time of the year I have to do it every month until it is peace. We also have a pest control company come every 2 months to fog our total...
by likegarden
Wed May 01, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 15961

Re: What if I Never Buy a House?

We bought a house because others and our families did. This was simply part of living in a medium size area. My job was also safe, though it required twice to sell/buy a house. For us it was not only having more space then with renting, but also being forced to save, similarly as we were forced to s...
by likegarden
Wed May 01, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Hiring a contractor to cut down some trees....what should I be aware of?
Replies: 89
Views: 5137

Re: Hiring a contractor to cut down some trees....what should I be aware of?

I live in a medium COL area which has suburb type housing. The $1400 or a little more we would pay too here. The tree company we always hire has experienced people, can not drive large trucks into my fenced-in backyard, carries out everything, never has dropped and damaged anything, and leaves my ya...
by likegarden
Wed May 01, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26822

Re: "The best and worst U.S. states for retirement"

I live in upstate NY, seems to us to be great for retirement. We have very good hospitals 20 min from home. The poor rating of NY is probably due to NY City. I also pay no NY state tax due to being able to deduct part of our Long Term Care Insurance premiums. We also get some money back from propert...