Search found 2552 matches

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: 2252

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: 1060

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: 10618

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: 8578

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: 2886

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: 147
Views: 10757

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: 1006

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: 97
Views: 6982

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: 6422

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: 6422

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: 4204

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: 6926

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: 10656

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: 868

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: 3891

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: 10165

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: 7801

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: 598

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: 483
Views: 43212

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: 182
Views: 19584

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: 266
Views: 23526

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: 266
Views: 23526

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: 1210

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: 186
Views: 25364

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: 11585

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: 1503

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: 5016

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: 3539

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: 3968

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: 186
Views: 25364

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: 1763

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: 5349

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: 2116

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: 7860

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: 3373

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: 1710

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: 293
Views: 23949

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: 83
Views: 7724

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: 83
Views: 7724

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: 2801

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: 47
Views: 7676

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: 2112

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: 1770

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: 4425

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: 15
Views: 2107

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: 15
Views: 2107

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: 1892

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: 4913

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: 2738

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.