Search found 2644 matches

by likegarden
Fri Oct 12, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2733

Re: No bill to me - but found strange things on my health plan records

I learned this year to always compare the entries on Explanation of Benefits of the insurance company with my own records. (the same as always check the monthly statement of the credit card company with actual bills paid). I went to an outpatient visit at a hospital for colonoscopy and paid $200 cop...
by likegarden
Thu Oct 11, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5745

Re: What the heck is growing in my yard?

There is probably an old decaying tree stump below and mushrooms poking out of it. Dig it out, replace it with bought top soil, a few grass seeds, and you are fine.
by likegarden
Wed Oct 10, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3816

Re: Neighbors tree branch growing too close to my house

As I wrote, I would cut back those branches. I owned a tree touching my and my neighbor's roof, so I had it removed for $900. In a storm that tree's branches were brushing both roofs and a bedroom window of my house, would certainly cause damage in future. My neighbor has 3 very large arborvitae jus...
by likegarden
Tue Oct 09, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3816

Re: Neighbors tree branch growing too close to my house

Any branch of neighbor's tree reaching over the property line you are permitted to cut down as long as the tree will not die from it, is common law. A nice neighbor would not let a branch get to your windows and over the roof.
by likegarden
Mon Oct 08, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3676

Re: Income (US vs Europe)

I grew up in Europe and went there to a Technical University for free 1960-1965. My father was a bookkeeper and had 3 children, mother was stay at home, so I got free tuition and monthly money to live from to get an equivalent of an MSME. They had no private universities then. Here you might get a h...
by likegarden
Sat Oct 06, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14259

Re: Tips for staying active / injury-free into older age

I am not doing sports. I understand that with sports you can get injuries. I was always doing my own yardwork, kept me moving. Now being over 70, doctor says that body parts most moved get injured first due to wear.
by likegarden
Fri Oct 05, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6228

Re: [CNBC article: Don't expect to retire at 70]

You should consider how long your relatives lived and how healthy you are now. You should use a life expectancy calculator on the internet for your age and which also considers medical data. I will be 79 soon, and my life expectancy at one insurance site is 91 / 95 considering medical and other data...
by likegarden
Wed Oct 03, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3259

Re: New Apartment, city noise

When you get older and need a hearing aid : simply do not wear your hearing aids and you have peace.
by likegarden
Tue Oct 02, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Asphalt driveway replacement
Replies: 21
Views: 2000

Re: Asphalt driveway replacement

One reason to have black asphalt in the Northeast is that it will get heated by the sun in winter and melt ice and snow better.
by likegarden
Mon Oct 01, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Asphalt driveway replacement
Replies: 21
Views: 2000

Re: Asphalt driveway replacement

I live in the Northeast with ice and snow. Make sure that the new driveway will have substance and strength to handle trucks, such as when you get your roof replaced and they cart away the old shingles. 4 inches of gravel and 4 inches of asphalt at least. I see new houses here get 2 inches of asphal...
by likegarden
Sun Sep 30, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: how to determine the maintenance schedule for newer cars?
Replies: 18
Views: 1259

Re: how to determine the maintenance schedule for newer cars?

I noticed that on our 2013 Toyota Camry the manual shows something, but the dealer's shop have to enter the mileage for maintenance reminders manually, and those were now twice several 1000 miles earlier. So it seems to always keep your own tables of when certain alarms have to come up on the dashbo...
by likegarden
Sun Sep 30, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6717

Re: New Relationship - Best way to handle finances?

Make sure you keep all your financial records and passwords secure, and review your accounts regularly, while your girl friend is living with you.
by likegarden
Sun Sep 30, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2348

Re: city water sewer vs well septic

We lived in 3 houses with city water, would not go to well. In those 3 houses, first had septic, house was built on sand, never had a real problem. The second house was built on shale; was also a long single story with little slope in drain pipes inside house - we had to pump the septic every half y...
by likegarden
Fri Sep 28, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6717

Re: New Relationship - Best way to handle finances?

sailaway : The OP's ability to share in expenses is limited by the fact that he earns less and that he still has to pay off his student loans. He simply can only share in expenses from what he has comfortably left over. Financial reality has to be understood by both partners in a household.
by likegarden
Fri Sep 28, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6717

Re: New Relationship - Best way to handle finances?

In a discussion about sharing /splitting expenses you should also mention to her that your salary is lower and you are still paying off student loans.
by likegarden
Fri Sep 28, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Unexpected calls from my cell phone
Replies: 18
Views: 1414

Re: Unexpected calls from my cell phone

I would not worry about that. We also get phone calls from all types of phone numbers, we simply only answer phone calls from numbers and IDs we know. Some of these callers might get the message, others simply do not want to learn and keep calling - their problem. Usually the spammers do not leave a...
by likegarden
Fri Sep 28, 2018 6:15 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3727

Re: First-time victim of credit card fraud

It is important to check the credit card account for fraud charges. We have two cards with different numbers in the same account at Capital One. My card got charged by crooks twice, once it was $125 gift cards at CVS last December, then $18 for gas at a gas station I never go to on the replacement c...
by likegarden
Thu Sep 27, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 30
Views: 4300

Re: Should I have my new garage floor coated with Epoxy?

I gave up on Epoxy because my garage floor has moisture seeping up occasionally which then got the Epoxy peeling off. Do not forget that you have to clean the floor first off everything including all old paints before applying Epoxy. I am using gray garage floor paint every few years after first cle...
by likegarden
Thu Sep 27, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4353

Re: Anyone ever tired of managing hair and consider shaving to go bald

Try short, I went short. My hair is not longer than 1 inch. After many years being tired of my natural waves I finally found the solution : short hair removes my waves! My 15 year old grandson recently had changed to long hairs on top, now has also short hair.
by likegarden
Wed Sep 26, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3359

Re: How to buy a mattress

In 1990 we bought a Sealy mattress at a large local furniture store for over $1000. We noticed that all stores we visited had different models of Sealy mattresses. We learned then that Sealy factories made to-order mattresses for furniture stores, so we could not compare between stores. That mattres...
by likegarden
Wed Sep 26, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 7834

Re: Someone stole my check from the mail, changed the amount, and deposited it

We never had a problem with checks, We pay most bills with checks since 1968. We never put mail to be sent into the mail box at our house, always bring letters inside the post office and drop it into their 'Letters' slot.
by likegarden
Mon Sep 24, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1490

Re: Does health insurance cover hearing aids

5 years ago I bought hearing aids for both ears for $3,900, and BCBS paid $300. 2 years before that an audiologist wanted $5,600 for hearing aids. Presently I am with a local CDPHP medical insurance, and they have an agreement with a national office which has contracted with local audiologists for l...
by likegarden
Mon Sep 24, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 143
Views: 15525

Re: New Car: Ever make sense to lease?

In 2004 I was driving an 11 year old Buick Century with 110,000 miles on it and found that in that year I paid $2,500 for repairs. I read an add I could drive a brand-new Buick Century for $2,200 lease per year, and thought to be close to a genius to buy this new car for less than my old car was cos...
by likegarden
Sun Sep 23, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3713

Re: How to get rid of rabbits

I spray an anti-rabbit/deer spray 'Liquid Fence' every 2 months on my plants. That spray keeps rabbits away from eating my plants, they actually live between the plants they normally would love to eat. I have fenced in the backyard in addition to spraying 'Liquid Fence'. I learned that in addition t...
by likegarden
Sat Sep 22, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 575895

Re: What's Your Credit Card Rewards Strategy?

I have no Credit Card Rewards Strategy, only own 2! Reading another post here, it seems that the more credit cards you own the less you will be able to monitor activity in all of them, and internet crooks then would be able to take advantage of that. You should only get involved into things which yo...
by likegarden
Thu Sep 20, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8732

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: 2246

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: 133
Views: 11641

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: 1308

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: 54
Views: 8233

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: 1769

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: 3952

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: 176
Views: 9996

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: 152
Views: 11723

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: 10312

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: 4383

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: 2657

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: 870
Views: 94815

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: 8276

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: 4011

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: 4011

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: 1227

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: 5445

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: 3195

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: 3289

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: 10510

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: 6430

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: 3337

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: 8812

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.