Search found 2414 matches

by likegarden
Mon Jan 15, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3540

Re: Are land line phones still being supported?

Our house telephone is hardwired to Spectrum cable via a cable modem and Wifi. We are using basictalk which I bought at Walmart several years ago, costs $12 per month.
by likegarden
Sun Jan 14, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1784

Re: wild bird feed

We have squirrels, but they are never able to reach the hanging suet cakes. You have to make sure that your bird food is about 10 ft away from deck rails and tree trunks. Do not place your bird feeder below tree branches because they will drop from there onto your feeders. My two suet cakes are hang...
by likegarden
Sun Jan 14, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2110

Re: Do you correct cashier mistakes?

I will mention that they should check. Sometimes I do not know all the details, and there was no mistake.
by likegarden
Sat Jan 13, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do credit card companies determine how much credit to give you?
Replies: 5
Views: 888

Re: How do credit card companies determine how much credit to give you?

When you are retired, it seems the credit card limit will be low. We have no loans, have everything paid off, always pay the credit card on time, have a lot at Vanguard and a local bank, but only get a limit of $5k. We are using 50% of that each month every month. Some months we might have to deposi...
by likegarden
Sat Jan 13, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 1958

Re: [Lightning rods for my house? Or too "old fashioned"?

In my area lightning bolts happen when it rains. So when a lightning hits my house and it rained on the dusty roof, aluminum siding, gutters and downspouts, it might only do little damage - I hope. I also have then those wet 100 ft pines 25 ft away.
by likegarden
Fri Jan 12, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Virus reading Yahoo news
Replies: 8
Views: 789

Re: Virus reading Yahoo news

Strange things go on. For a few months when going to Google I got a bright red screen saying that there is some virus, though it is not bad. But it was not from Webroot and Malwarebytes, and those I trust. Now I no longer see that.
by likegarden
Fri Jan 12, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7804

Re: Credit card keeps getting hacked, even when unused! (4x now!)

I think my Capital One credit card fell for an inside job. There was a charge of more than $100 with a round $ number, no cents, at a local store of a large national drug store. I think buying items there will include sales tax. Capital One issued a new card. I did not go to that drug store for seve...
by likegarden
Fri Jan 12, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 57
Views: 7083

Re: New Washer - Frontload or HE Top Load

We never had a big problem with basic top load GE washers. The more 'advanced' top load GE washers had mechanical problems with our multiple daily loads staying balanced. When our now 5 year old washer - running it 4 times a day - has problems, we will replace it. We will have again extended warrant...
by likegarden
Thu Jan 11, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1784

Re: wild bird feed

We have snow on the ground and get all kinds of woodpeckers. We only hang up two suet squares which do not leave mess on the ground. Our neighbor puts out seeds and then in spring has to rake up all the dropped seeds. It is important to hang up feeders such that squirrels can not reach them.
by likegarden
Thu Jan 11, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5040

Re: Someone spoofing my phone number?

We simply do not pick up any phone calls with a phone number showing we do not know, if it is spoofed or not. For weeks now again those probably fake IRS people are calling with their fake Washington phone number.
by likegarden
Thu Jan 11, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5356

Re: Trying to downsize but still too much stuff

Congratulations to all who are able to downsize, because after a long life with many memorable events, some people are not able to get rid of many boxes of stuff. I am down to 3 suitcases.
by likegarden
Thu Jan 11, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 43
Views: 3238

Re: Letter from Social Security re Fraudulent Claim

We are getting SS, and visited their office in the past. Believe me, all you have to do to go to the SS office and present your ID and that letter, and they will explain. No big deal.
by likegarden
Thu Jan 11, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 1958

Re: Noise in my attic

We live in a 2-story home built in 1978 which has no lightning protection rods, but we have 4 large pine trees, aluminum gutters, downspouts and siding. Since our house has no lightning protection, there must be no code requirement to install them. I lived in a 4 story apartment building in Europe, ...
by likegarden
Tue Jan 09, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Fertilize dormant plants in winter?
Replies: 13
Views: 893

Re: Fertilize dormant plants in winter?

That question is answered easily in the Northeast, it's not possible to fertilize. We have snow on the ground since Christmas, will stay there until April Fools Day.
by likegarden
Tue Jan 09, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9606

Re: Effects of extreme cold weather

My car has to have 33 psig in the tires, now has only 31. That is per the ideal gas law, meaning when temperature decreases, also pressure will decrease. Remember NFL Deflategate, when supposedly the Patriots deflated footballs. The NFL brass and others did not know physics, missed learning about th...
by likegarden
Tue Jan 09, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 7883

Re: The reality hits - my dementia update

Much of the problems you describe are due to aging. I am 78 with my side of the family never having dementia. But I am seeing lapses. You are certainly right in simplifying your life. I have done that, have only one credit card, one bank, one investment company (Vanguard), do not pick up phones, do ...
by likegarden
Mon Jan 08, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 2612

Re: Teeth Whitening

People in my family have not complained yet about my teeth not being pure white. I always do not buy tooth paste which is mainly for whitening, because that agent over the long term might not be good for my teeth.
by likegarden
Mon Jan 08, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7503

Re: What non fiction book will you be reading in 2018?

I will probably read again the book 'A Cultural History of Climate' by Wolfgang Behringer. He is a history professor and searched historic records for understanding climate over the last 1000s of years. He also includes findings from drilling into glaciers and bottom of oceans. He is at a German uni...
by likegarden
Thu Jan 04, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: IL Law - settling an estate with missing heirs
Replies: 11
Views: 893

Re: IL Law - settling an estate with missing heirs

I once found the family of a grandfather long-lost in Australia and his place in a cemetery, internet is great in that. Simply type their names in Google.
by likegarden
Thu Jan 04, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

Going forward, I would reduce the number of credit cards and banks to make it simpler when this happens again. I also have frozen my accounts at 5 credit bureaus. Though I just found a charge on my only credit card which seems to be fraudulent. My wife has a separate credit card which we can use for...
by likegarden
Tue Jan 02, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5795

Re: Long Term House—Any Regrets on things you didn’t do?

You are young and able to climb, but retirees reading this should not buy a 2 story house because of climbing stairs in later years is not so easy. In respect to fencing, neighbor had a poorly trained German Shepard dog who took my wrist in his teeth, so we got a fence. We had bad experience with a ...
by likegarden
Mon Jan 01, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5795

Re: Long Term House—Any Regrets on things you didn’t do?

MikeWillRetire wrote : I built a brick patio while my neighbors built wood decks. That patio has been maintenance free all these years. Not so with those decks. My experience differs. Our wood deck needs repainting every 3 years. But our brick patio attracts algae and moss on surface and in cracks, ...
by likegarden
Mon Jan 01, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3700

Re: Car headlights or Daytime Running Lights - what do you do?

We have Auto positions on the light switch and use that all the time.
by likegarden
Sun Dec 31, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 76
Views: 6022

Re: My dad's army jacket

My brother inherited from our father his WW2 German army sergeant jacket he wore for 5 years in Russian POW camps. My brother never wears it, it is family history.
by likegarden
Sat Dec 30, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9217

Re: I Want to Buy a Horrible, Expensive Car

I would never buy a car with which you can expect repairs. Sitting at a dealership waiting for a repair to be done, and repeatedly, takes away too much life.
by likegarden
Sat Dec 30, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Spam email
Replies: 13
Views: 710

Re: Spam email

I am with RoadRunner of Spectrum Email for about 30 years. I notice that blocking will not work for Ebay and some others, so I simply delete them when they come up. I also get phishing Email regularly, that is from a former 'manager' at many various addresses with an internet address in it to click ...
by likegarden
Sat Dec 30, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: We bought a house in June, and the ac & furnace system do not work. What should we do?
Replies: 49
Views: 3457

Re: We bought a house in June, and the ac & furnace system do not work. What should we do?

You need to get it checked out and repaired! This is part of owning any house. For the future, you need to get furnace and AC checked every year. We pay $250 per year for those checks and live in a small town in the Northeast. Our furnace is with natural gas, 2 years old and might last 20 years. The...
by likegarden
Sat Dec 30, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9267

Re: Plow Guy Raised Rates

The snow plow guy initially 'indicated that the rates for this year would remain the same'. So you correctly complained. I had an insect spray guy come in October, and he said he would not spray because it was too late. That company billed me anyway $100, and I wrote there was no spray and I would n...
by likegarden
Wed Dec 27, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6463

Re: manual car for new teen driver

My first car was also a VW Beetle with stick shift. After 2 years it needed a repair of the clutch. My wife had learned on cars with automatic transmission, and she hated to drive the Beetle to work. So we replaced it with a Plymouth Duster, was much better to drive.
by likegarden
Wed Dec 27, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: graduate MBA school on time, or wait to have company pay for tuition?
Replies: 15
Views: 463

Re: graduate MBA school on time, or wait to have company pay for tuition?

You wrote "MBA is not necessary for my role at all and I recently got hired". Perhaps your boss would not understand why tuition gets paid when it is not needed for the company, might create friction. I once did an MBA, that was also not required by my companies. Both companies did not pay tuition. ...
by likegarden
Mon Dec 25, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 22995

Re: What frugal thing did you do today?

I used the snow blower to clear drive way and walks, and in front of the mail box of 6 inch snow fall, did not hire anyone to do it. Then I cleaned my son's car of snow as a cheap Xmas present.
by likegarden
Mon Dec 25, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 180
Views: 17084

Re: Call the top! - Bitcoin

I am not participating, am simply laughing.
by likegarden
Fri Dec 22, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 19953

Re: Do you see a meaningful change in your income with new Tax Bill?

There might be another effect, not by the new tax bill, but by the Federal administration cutting monies which were before given to states. States might increase taxes to fund their programs before funded by federal money.
by likegarden
Fri Dec 22, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 19953

Re: Do you see a meaningful change in your income with new Tax Bill?

We are retired and mainly living from SS and a no-COL pension. We only pay little taxes and probably will not get any benefit from the new tax law. Looking at the local economy I see a lot of Help Wanted signs, so the economy seems to be doing fine and does not seem to need federal deficit spending....
by likegarden
Thu Dec 21, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Is my package stuck in limbo?
Replies: 9
Views: 985

Re: Is my package stuck in limbo?

Salzgitter, Niedersachsen, Germany - I grew up in Braunschweig, next to it, nice to read.
by likegarden
Thu Dec 21, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 153
Views: 17381

Re: TurboTax Prices

Turbo Tax does not do all forms. I usually do my own taxes on paper, because our taxes are simple and my retired brain needs exercise. This year I have to do Form 709 because we paid each more than $14,000 in gifts to one person. I thought TurboTax would do that, so I would buy it, but they do not d...
by likegarden
Wed Dec 20, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 85
Views: 10804

Re: Uber vs Ambulance - HUGE cost difference

There certainly would be a cost difference. When there is a serious injury, then there is a need for an ambulance. Years back my wife driving a Buick got hit from behind by a compact at perhaps 25 mph in slow traffic. An ambulance came and checked my wife and grandson, both were found to be fine. I ...
by likegarden
Wed Dec 20, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Window Selection and Shopping
Replies: 18
Views: 1274

Re: Window Selection and Shopping

We always go to Home Depot because they have deep pockets. When something goes wrong they will fix it. We bought a new back door 4 years ago and the storm door was poor quality as it turned out - we only paid $250. We replaced it with an Andersen storm door, cost us $350 plus tax and installation. I...
by likegarden
Wed Dec 20, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4026

Re: Availability of health care providers - how to factor this in a move?

We are retired and in the 70s. I would not live 3 hours away from a major hospital. We live in a small town in a medium COL area in the Northeast and are 1/2 hour away from 3 major hospitals, one is a medical school. They are expanding and have taken over smaller hospitals. Recently these hospitals ...
by likegarden
Wed Dec 20, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Getting Charged a High Management Fee at Wells Fargo
Replies: 49
Views: 2954

Re: Getting Charged a High Management Fee at Wells Fargo

I just only googled the municipal bond funds, and those from Wells Fargo charge 1.56% per year, and that is on top of the 1.51% managing fee. That are 3.07%/ year losses, a very good reason to move out fast. I just looked at the municipal bond funds recommended by Morningstar Fundinvestor, and none ...
by likegarden
Tue Dec 19, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Where do you read financial news?
Replies: 39
Views: 3581

Re: Where do you read financial news?

Bogleheads and Morningstar Fundinvestor
by likegarden
Mon Dec 18, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 153
Views: 17381

Re: TurboTax Prices

There will be a new taxlaw very soon, so do all these tax programs have to be changed?
Vanguard usually sends out their 2017 results the end of February, so why should I buy TT or H&R Block now, would not be able to use them anyway until February?
by likegarden
Fri Dec 15, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Getting rid of junk mail?
Replies: 21
Views: 1480

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: 4971

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: 19
Views: 1884

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: 147
Views: 6776

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: 2786

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: 1541

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: 242
Views: 15616

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 ...