Search found 2479 matches

by likegarden
Sun Apr 22, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 84
Views: 4227

Re: Do you buy new or used cars?

We always buy new and then drive the cars for 11 to 12 years / 110,000 miles. When repairs get too much, at around 110,000 miles, then we sell and buy new. This works for us.
by likegarden
Fri Apr 20, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 56
Views: 3471

Re: Selling a car: how to get paid?

The buyer used the same bank as we do. We went both to the bank, and buyer deposited the sales amount directly from her account into our checking account. Bank gave me a printout of my account with sales money showing in there.
by likegarden
Fri Apr 20, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Plan - grandmother or son?
Replies: 11
Views: 888

Re: 529 Plan - grandmother or son?

We did that, our son set up a 529 for our only grandchild in NY state using Vanguard index funds, and we sent moneys directly into that 529 during last 2 years. That 529 has enough money for 5 years in a NY state college. In case we would ever need Medicaid, that 529 is secure.
by likegarden
Mon Apr 16, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3498
Views: 986510

Re: What Movie Have You Recently Watched?

I do not remember the title of the movie, but it was about the 3 US soldiers beating up a terrorist on a train from Brussels to Paris. My wife and I liked it. My lasting impression was to sit through 15 minutes of advertising, that was blasting at us. The same advertising which we see on TV, but her...
by likegarden
Sun Apr 15, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3846

Re: Is it necessary to replace brake fluid on a car every 3 years?

At 36,000 miles our Toyota dealer shop recommended to change the brake fluid on our 2013 Camry, and we did it. They actually want to do that every 24 months. I looked into the Toyota manufacturer's recommended maintenance guide, could not find anything about brake fluid change. Toyota only requires ...
by likegarden
Fri Apr 13, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Best Leather Checkbook
Replies: 15
Views: 811

Re: Best Leather Checkbook

Bogleheads probably use plastic check books which do not look good so it will hurt when spending money. We have no problems using those plastic covers which come with the check order.
by likegarden
Fri Apr 13, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 1974

Re: Cedar Fence: is Maintenance required?

Any fence should be NO maintenance and last forever. There are different qualities of Cedar wood. Refer to other threads here about fences. My neighbor has a pressure treated picket fence, never stained it, only has a little rotting at its contact with the ground. I bought a fence around my backyard...
by likegarden
Fri Apr 13, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Why am I even holding BND? It has only been losing me money.
Replies: 62
Views: 8247

Re: Why am I even holding BND? It has only been losing me money.

At the last Great Recession I used bond index funds to rebalance at a low point in the stock market.
by likegarden
Sun Apr 08, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 37
Views: 2592

Re: Gardening 2018

Living in the Northeast, we had a great warm February, 3 snowstorms in March, April is cold. Today I bought fertilizers, mulch, etc from Home Depot, and it snowed while driving home at 40 degrees. But I had raked my 0.45 acres property the last days and made bundles of pine branches downed by wet sn...
by likegarden
Wed Apr 04, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: As a German: Should I go 100% US stocks?
Replies: 62
Views: 4857

Re: As a German: Should I go 100% US stocks?

I once was German, but for the last 32 years am a US citizen. I invest where I get my income (SS, pension) from and where I live, which is from and in the US. This way I have no currency risk in our retirement.
by likegarden
Tue Apr 03, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Home Safe vs Safety Deposit Box
Replies: 84
Views: 16778

Re: Home Safe vs Safety Deposit Box

This comparison is not important to us. For the last 30 years we have a safe in our home, only containing documents. Probably each of those documents could be replaced if needed at all. Emergency cash is not much and losing it would not hurt us much. My wife does not collect expensive jewelry, could...
by likegarden
Fri Mar 30, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 7606

Re: Vanguard in the WSJ today

I have all of our investments since 2005 at Vanguard, trade only between Vanguard funds, and have had never any problems. My experience in 2005 was wonderful. My IRA RMD and tax documents always are accurate and on time.
by likegarden
Fri Mar 30, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3642

Re: Comparison of grocery prices?

Grocery prices are local. I solved this comparison issue by buying my weekly groceries at various stores, one chain at a time, and listed them in spread sheets. I found out that grocery prices at Walmart for our specific needs were better by far, and since then buy our weekly groceries at Walmart. I...
by likegarden
Tue Mar 27, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Favorite vacations that don’t involve travel
Replies: 13
Views: 1970

Re: Favorite vacations that don’t involve travel

We travel 5 hours by car to reach an Atlantic beach, and do not consider that travel. 10 hours by car or flying would be considered 'Travel'. We like a week to 10 days on Cape Cod, is a great vacation.
by likegarden
Tue Mar 27, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21694

Re: Anyone Deleting Facebook?

I once signed up for Facebook, but then hated to get those daily messages about people being my friends, though I had signed up with a different name. It looked like a real fake. I could not figure out how to get out of it, so I created another Email address and let F send there all those stupid mes...
by likegarden
Sat Mar 24, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3241

Re: changing my signature when signing checks and credit card receipts

I have two middle names, never use the second middle name (except in legal documents), and never have a problem.
by likegarden
Sat Mar 24, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Buying large heavy items from places like Amazon
Replies: 22
Views: 1873

Re: Buying large heavy items from places like Amazon

I am retired and learned recently that cutting one of your own trees down can put a small rip inside a knee. I bet lugging heavy things from a delivery truck can do the same to you, and that lateron possibly lead to artificial joints. We buy heavy items at local stores and let them set them up in ou...
by likegarden
Sat Mar 24, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3241

Re: changing my signature when signing checks and credit card receipts

It's a sport. Anytime you buy with a CC, try to sign very differently. At Walmart they don't care.
by likegarden
Thu Mar 22, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Driveway Options
Replies: 9
Views: 1145

Re: Driveway Options

I live also in the NE, and do not see crusher run driveways in my neighborhoods. Googling about crusher run driveways, it seems all you have to do is : Maintain the driveway regularly by raking the gravel to restore the crown and fill in any low spots, adding new crusher run as needed. Addressing th...
by likegarden
Wed Mar 21, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Buy individual stock to maintain my honor?
Replies: 22
Views: 2621

Re: Buy individual stock to maintain my honor?

You can only do so much, and you did it. But I would keep the $20,000 in a CD to be ready to give it back in full, perhaps for 5 years. I had a similar situation in the 1970s in a local bank, just received $500 over the counter, when the lights went out and bank's computer shut down. A week later I ...
by likegarden
Wed Mar 21, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Outdoor Blower
Replies: 24
Views: 1299

Re: Outdoor Blower

We have a corded blower / vacuum, which I use as a vacuum for leaves. But getting towards 80, a battery powered blower seems to be needed for fast effortless cleaning of walk ways, patios and drive way, eliminating using brooms. Thanks mentioning it!
by likegarden
Mon Mar 19, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ever received a legitimate unsolicited call from the I.R.S.?
Replies: 24
Views: 2172

Re: Ever received a legitimate unsolicited call from the I.R.S.?

I never received a legitimate unsolicited call from the IRS, though got a letter that I forgot to write all required heading information on sheets of the returns, and that would cost $xx, and I paid them via credit card.
by likegarden
Mon Mar 19, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 7707

Re: Incredibly sleazy Northwestern Mutual cold caller

I am sorry that we will never be able to enjoy such conversations, we are over 70, because we only pick up phones when we know the caller. Such cold callers also leave no messages, except once a fake IRS guy told us that we are in trouble, and we enjoyed listening to that recording many times.
by likegarden
Sun Mar 18, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Best year round shrub/plant in Northeast for privacy
Replies: 18
Views: 1446

Re: Best year round shrub/plant in Northeast for privacy

Conifers never stop growing. Therefore, you should look for conifers which will not grow fast and wide, Thuja occidentalis ‘Smaragd’ is a very good selection. I also live in the Northeast, in zone 5, and have several of them, and they do not get effected by snow load so much. Do not buy conifers suc...
by likegarden
Sun Mar 18, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 8204

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

rasputin, 2 comments : - since your wife has this boss, he is not your boss, and you should not feel that you have to turn over all your money to him. I.e. let him handle 40%, you could then put 60% wherever you like, such as Vanguard total stock market index fund, or a 3 fund selection. - After one...
by likegarden
Sat Mar 17, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 6900

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

One poster wrote : 'I'm a gastroenterologist. If we let a patient go home sedated unattended in a cab, a zillion awful things could happen. Let your mind go wild. We can not let this happen. If you don't understand this, it's probably because you don't understand the profound retrograde and anterogr...
by likegarden
Wed Mar 07, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: I suck with my finances. (I am from EU)
Replies: 13
Views: 1067

Re: I suck with my finances. (I am from EU)

I can feel with you! I grew up in Europe, after Tech University graduation (Dipl.Ing.) lived 2 years in Munich. I needed to furnish a small apartment, did not even have a car, but had great public transportation. I took 3 week vacations, had a girl friend, money went fast. One guy advised me to get ...
by likegarden
Mon Mar 05, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3576

Re: Etiquette of hanging up on live telemarketers

I agree with others. I did not ask to be called and sold something that I do not need. It is "a kind of home invasion”. I usually would say ' No thanks' to be nice and hang up in case I picked up by accident. Salesmen who call know that I do not need their product, and still want to push it on me - ...
by likegarden
Sat Mar 03, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 6900

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

My wife and I will have colonoscopies soon. For me it probably will include removing several polyps. We will have it on different days and drive each other home. One of the challenges will be to read all paperwork, and write a comment where they ask for permission to send bills to our home. We are i...
by likegarden
Sat Mar 03, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: Didn't get alerts from Vanguard
Replies: 14
Views: 2145

Re: Didn't get alerts from Vanguard

I do not recall if I got or not got such messages after selling index funds, but the money appeared on time in my checking account. At that time I changed my password because I had to give my Vanguard password to Turbotax, and I had to provide some other replies to Vanguard security questions. I jus...
by likegarden
Sat Mar 03, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to File Income Tax Now?
Replies: 13
Views: 1116

Re: Safe to File Income Tax Now?

I always waited to the later half of February to do tax returns because then I would have Vanguard's documents. Therefore, I have filed now. Sometimes I got amended documents, probably very little change, did not bother to refile. This year I did the taxes correctly on paper, but then made a mistake...
by likegarden
Sat Mar 03, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Perrenial question - pay off mortgage or not
Replies: 27
Views: 2199

Re: Perrenial question - pay off mortgage or not

My plan was always to have no loans outstanding when retired. I wanted to have financial peace when retired. Therefore, when buying a house 15 years before my retirement date, I picked a 15 year mortgage.
by likegarden
Sat Mar 03, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: notice that fidelity password blocked
Replies: 18
Views: 1097

Re: notice that fidelity password blocked

In your case a phisher could know your Email address and that you have a Fidelity account, then enters 3 times a wrong ID and password to get your account locked. He would then send that Email to phish for correct ones. (My credit card account account at Capital One once was blocked after I entered ...
by likegarden
Sat Mar 03, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Lost social security card, steps to take?
Replies: 34
Views: 2422

Re: Lost social security card, steps to take?

We never went to Volunteer Income Tax Assistance, have the SS cards securely stashed away. We were never asked to show the SS card, as far as I remember. But what you need to know is the SS number.
by likegarden
Sat Mar 03, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 73
Views: 6763

Re: Thinking of getting an Apple Watch

Consider not wearing a watch at all. Phone shows time, computer shows time. Make life less complicated.
by likegarden
Tue Feb 27, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 5881

Re: 3 layers of roof. Pull my offer??

You also should note that placing these heavy old shingles into a large truck or container likely will damage your driveway and might require a new driveway.
by likegarden
Tue Feb 27, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2166

Re: Deer Garden Damage Prevention

Years ago in the Garden Web Hosta Forum a lady posted that she makes a good pot of strong coffee, lets her husband drink it and at night sends him out to mark their territory.
by likegarden
Tue Feb 27, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2166

Re: Deer Garden Damage Prevention

We have no regular deer, but a stray one once every few years, and we have rabbits. I use Liquid Fence spray every few weeks, and that works against rabbits. The occasional deer never ate any of my plants. I have about 400 hostas. Young rabbits can manage to walk through the 5 ft wire mesh fence, bu...
by likegarden
Wed Feb 21, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 27
Views: 1749

Re: Cedar Roof

I once had a cedar fence, and the horizontal parts started to rot away within 10 years, in spite of staining it every 2 years. Cedar on roofs will soak up rain. Is there frequents staining required?
by likegarden
Mon Feb 19, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9845

Re: Do you wear a wedding band? [at a job interview]

I always wore my wedding band at work and during job interviews, and whenever I am outside the house except during yardwork. MY wife told me not to wear it ever outside when I do yard work (she checks me), because I could lose it and never find it again.
by likegarden
Fri Feb 16, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 83
Views: 12537

Re: Doctor wants Social Security number

We never provide our SS number when asked. We are on Medicare, but never use the Medicare number, only the insurance ID number on our insurance card from a Medicare Advantage policy.
by likegarden
Mon Feb 12, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 2958

Re: The value of car body repairs/upkeep of older cars?

On rusting older cars usually the rust comes back in a few years when you only fix it with Bondo and rust-preventive paint. Body shops would cut out rusting parts and replace them, and that will last a lot of years and cost relatively a lot. On my 2004 Buick I used Bondo underneath doors, spent a wh...
by likegarden
Sat Feb 10, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 12264

Re: Anybody else Age - 10 in bonds, rest in stocks

Age 78.
I have SS and a fixed pension.
Stock mutual funds 43 %, rest bonds and CDs.
So I have age - 21 in bonds and CDs.
As Mr. Bogle said, you can consider Social Security and Pension as bonds in your asset allocation, so I did partially.
by likegarden
Fri Feb 09, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Tip amount for daily newspaper delivery
Replies: 21
Views: 1207

Re: Tip amount for daily newspaper delivery

Our newspaper gets delivered into a box underneath the mail box. We pay around 15% tip.
by likegarden
Thu Feb 08, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Removing personal info on internet
Replies: 10
Views: 1707

Re: Removing personal info on internet

You should try. I once posted a photo of myself in a forum because all the other contributors did. But asking several times the Forum owner, they removed it finally, I mentioned about my concern of contributing to possible future ID theft. In case you are on Facebook, don't give any personal info th...
by likegarden
Thu Feb 08, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 287
Views: 19704

Re: free dinner investing seminar

I and my wife never went to any of those. I am proud to have convinced my then young son not to go to a timeshare weekend, after having read here at the Bogleheads about those scams. We have enough money, can pay for nice dinners in nice settings, don't need the noise of a presentation we do not car...
by likegarden
Wed Feb 07, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: what to do with patent plaques and other work awards?
Replies: 45
Views: 2886

Re: what to do with patent plaques and other work awards?

I am retired and have college degrees and patent awards stacked up somewhere. Medical doctors would have them up and down the walls in offices.
by likegarden
Sun Feb 04, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3648

Re: Do you live on a budget?

We did budgets in the past, but in our retirement we simply live below our means = no problems.
by likegarden
Fri Feb 02, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6742

Re: Substitute for taking a shower?

Last year after I mowed the lawn in summer I used the garden hose with cold water while standing on the lawn in shorts, and that went very fast. I believe I do not use more than 3 gallons of that ice-cold water. They can do it at the golf club.
by likegarden
Fri Feb 02, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.
Replies: 15
Views: 1126

Re: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.

6 crowns for about $5k would be a bargain in my area. I have around 14 crowns. One dental office once told me that modern crowns can fail in 2 1/2 years. But I once had a gold crown which lasted 39 years. Sorry that you have 6 crowns fail at once. I think you should ask the dentist to replace all 6 ...