Search found 2664 matches

by likegarden
Sat May 19, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6708

Re: Neighbor wants to use our land temporarily - let them or not?

I would not give neighbor a permission in writing, only verbal with comments provided here by posters.
by likegarden
Fri May 18, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3103
Views: 602053

Re: What's Your Credit Card Rewards Strategy?

Correction, sorry I misstated : We do not have several different credit cards in respect to a Credit Card Rewards Strategy. Our credit card strategy is to have a single CC account at Capital One with two credit cards with different CC numbers. But that credit card gives us a benefit when we buy a GM...
by likegarden
Fri May 18, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2964

Re: What would you do? takes 6 months to fix a Tesla Model S

"Tesla Model S now going on 6 years and it has had a few collisions, "

That car seems to be jinxed, get rid of it. I had only two accidents in 50 years, one by a drunk, other by 2 girls coming from a mall.
by likegarden
Fri May 18, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6281

Re: Road trip Newark NJ to Albany

I live around Albany, and agree that north of Albany is very nice, Lake George, lake Champlain, Hudson river, Saratoga Springs,etc. But do not knock Newark - When I came to the US 50 years ago my plane landed in JFK, and I took a ride on a Chinook helicopter past Manhattan to Newark, scenery was gre...
by likegarden
Tue May 15, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 17
Views: 1863

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

I once clicked by accident on an ad by Lending Tree while on CNN, and my PC crashed, cost me trouble and $125. That showed me that advertisers do not know which viruses are contained in their ads, and from then on I have Ad Block Plus. I am not entering any internet site when they require me to not ...
by likegarden
Mon May 14, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 21
Views: 1696

Re: Considerations in selecting a hearing aid

I think I have tinnitis. That came from participating in a technical university lab and 'experiencing' a certain pressure wave during testing of part of a jet engine afterburner. A long time ago there was no suing colleges. I have ringing in my ears when not wearing hearing aids, but that goes away ...
by likegarden
Mon May 14, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5762

Re: keyless ignitions and carbon monoxide

My 2017 Chevy Malibu honks when I leave the car with the fob on my body and the engine running. So no problem here. It honks not only in the garage but also in parking lots of stores, is a pain being honked at.
by likegarden
Mon May 14, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 21
Views: 1696

Re: Considerations in selecting a hearing aid

I have hearing aids (each ear) now for 5 years, bought Siemens at $3,900, my insurance gave $300. I should have gone every 1 or 2 years for cleaning and readjustments. I went recently, asked for more volume, and now they are great again. $6000 seems you give the outfit a very nice profit. My insuran...
by likegarden
Fri May 11, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Athens Greece in Sept
Replies: 17
Views: 1480

Re: Athens Greece in Sept

I had a 3 week vacation in Loutraki in 1966, but historical places do not change or only get better to view. I enjoyed the bus trip to Delphi and the bus trip to Corinth, Mycenae and Epidaurus, (and had several day trips to Athens then). You can reach these places via bus tours from Athens. Friends ...
by likegarden
Thu May 10, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6559

Re: What's the view on dogs running free?

Having a fence is peace. When we bought a fence around our backyard in 1987 it was also for safety of our then 11 year old son, after kid from across the street had his tee shirt ripped off by neighbor's dog. Neighbor's teenage son told me that his German shepherd could jump my 4 ft fence. So I told...
by likegarden
Thu May 10, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 14037

Re: Warning: avoid Windows 10 update 1803

My PC seems to be set on automatic updates. So I saw a lengthy Windows update going on one morning, everything seemed to be OK afterwards. But then later suddenly the displays became frantic, changing rapidly on Google Chrome without me being able to stop it, were all over the screen. I powered down...
by likegarden
Thu May 10, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6559

Re: What's the view on dogs running free?

Fences are good, not only to keep aggressive dogs out and keep your garden clean. Some people have young kids to keep safe, and some high school kids love to roam around at night, knocking on windows.
by likegarden
Wed May 09, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6559

Re: What's the view on dogs running free?

Some dogs are well trained, some are not. In my town we have a leash law. But in spite of that law, 25 or 30 years ago neighbor's poorly trained German shepherd dog put his teeth around my wrist on my land and scratched the T shirt off a neighbor kid's back. We have our backyard fenced in, and I hav...
by likegarden
Wed May 09, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 19
Views: 1795

Re: Build a retaining wall ?

In case you have a drainage problem with water coming out of gutter downspouts, note that a 4 inch flexible PVC pipe could be used to drain water to a low spot away from the house. Those pipes come in 100ft and 10 ft length. 25 years ago I dug trenches 18 inches deep for the 4 inch PVC pipe which br...
by likegarden
Mon May 07, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25840

Re: most compelling TV character ever

Andy Taylor (Andy Griffith Show), Barney Fife (Don Knotts)
by likegarden
Mon May 07, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 9639

Re: What career for smartest kid in the class?

I am a retired engineer and enjoyed my work. I did an MBA to learn about business and management at a higher level.
by likegarden
Mon May 07, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 7101

Re: When to buy new underwear?

To stop this thread, buy yourself (invest in) several packs at Walmart.
by likegarden
Sun May 06, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Mobile Deposit Gone Wrong
Replies: 19
Views: 3050

Re: Mobile Deposit Gone Wrong

The more tech, the more problems. I now check receipts against account of my only credit card at least once each month. In December someone got himself $125 at CVS and that got me a new CC. Then 3 months later someone bought gas at a gas station I never go to and I therafter got a new credit card ag...
by likegarden
Sat May 05, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Investing is more like poker than chess
Replies: 91
Views: 7477

Re: Investing is more like poker than chess

Poker and chess? That is too much stress!
My investing is like Peace - we have index funds at Vanguard.
All I had to do during the Great Recession was to buy S&P 500 index fund from Total bond index fund close to the bottom and fully enjoy the next years.
by likegarden
Sat May 05, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Buying house from 1977
Replies: 20
Views: 1821

Re: Buying house from 1977

I would not worry about buying an older house. We live in a 2500 sqft house built in 1978 since 1987 (31 years) in the Northeast, and have experienced no horror stories of lead paint and aluminum wiring. All new-house problems must have been fixed before 1987. Appliances nowadays last only up to 13 ...
by likegarden
Sat May 05, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2891

Re: Growing Fruit Trees and Shrubs

Gooseberries and currents! Our gooseberry bushes are now in shade and no longer bear fruits, but the currents still get sun and give good berries to eat right from the bushes.
by likegarden
Thu May 03, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Retirees Never Had It Better
Replies: 31
Views: 5418

Re: Retirees Never Had It Better

I have a pension which is not adjusted for inflation, and the presently low inflation is one reason I am doing fine.
by likegarden
Thu May 03, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Do you use computer glasses?
Replies: 16
Views: 1589

Re: Do you use computer glasses?

I have a 27 inch CRT and sitting 3 ft away I do not need any glasses, using the single-focal lenses the surgeon inserted during cataract surgery on both eyes. Reading the newspaper though I use 2.5 size reading glasses as bought at a dollar store.
by likegarden
Thu May 03, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Medicare Phone Calls
Replies: 26
Views: 2663

Re: Medicare Phone Calls

Welcome to the club of being over 65. The whole world probably knows that you are now on Medicare. There are Medicare lists around. And since you are over 65 your cognitive capabilities supposedly are declining and you should become an easy target for all kind of scams. Therefore you should only pic...
by likegarden
Wed May 02, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 12177

Re: Have you quit eating sugar? Tell me how!

We noticed a long time ago that most prepared foods come already with plenty of salt and sugar, so we no longer have salt shakers and sugar containers in our kitchen. I.e. I never drink coffee with sugar and we never add salt to a meal, it's a good habit. We also do not drink any of these sugary sof...
by likegarden
Sat Apr 28, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to subscribe to the NY Times
Replies: 9
Views: 1242

Re: Cheapest way to subscribe to the NY Times

Our local newspaper every day has several pages of NY Times articles.
by likegarden
Sat Apr 28, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 1796

Re: Bee in the house - what to do???

You wrote that you saw the bees entering the house. I would buy a can of wasp killer and spray it into the entrance (from a distance). In my case I can not see the entrance to the inside of the house. An AC technician serviced the air handler in our attic, and after turning on the light 3 or 4 yello...
by likegarden
Fri Apr 27, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 12147

Re: Wedding - financial burden on couple and attendees

Sometimes a local wedding can become a destination wedding for some of the guests. We had a local wedding in the US where we lived, but my parents had to fly in from Germany, and my best man had to fly in from Chicago. I do not remember if I even thought about their costs, was probably too much invo...
by likegarden
Fri Apr 27, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 7524

Re: Learning to drive stick

I learned how to drive a car via driving stick. My wife hated my stick-shift VW. We were so happy to trading it in for a car with automatic transmission. I remember driving on a German Autobahn which ran through several successive hills followed by valleys, and not being able to find a gear until ne...
by likegarden
Fri Apr 27, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 4691

Re: The Paperless Life

How can you go paperless to manage your medical expenses? The insurance sends a lot of paper, doctors and labs provide you with paper. In case you need to check about payment on expenses you need to be able to follow a paper trail. 'Going Paperless' seems to mean that you have to believe what any ba...
by likegarden
Fri Apr 27, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Deck - Best Method of Treatment
Replies: 28
Views: 4825

Re: Deck - Best Method of Treatment

We have a deck made out of pressure treated pine now for 31 years in upstate NY where the winter includes usually 4 months of snow cover and some -20 dgrs days and nights. I paint the horizontal surfaces usually every 3 years with a solid stain from Home Depot. I let vertical surfaces weather, never...
by likegarden
Thu Apr 26, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Denial- How to Proceed?
Replies: 12
Views: 1952

Re: Medicare Denial- How to Proceed?

We have Medicare and a Medicare Advantage policy, actually is an HMO policy. Once a while I see that several 100 dollars of lab bills are not approved, but because of our HMO policy, we let Medicare, the lab and my insurance fight that out. The lab and doctor should know how much they may charge for...
by likegarden
Thu Apr 26, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Unprecedented Event
Replies: 67
Views: 10089

Re: Unprecedented Event

We are very lucky living in the US. We do not have a dictatorship which usually loses in wars, like in Nazi Germany. In Germany after 1945 all savings accounts were reduced to 10%, and the country and economy destroyed. This will never happen here.
by likegarden
Thu Apr 26, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 12147

Re: Wedding - financial burden on couple and attendees

A wedding should not be a burden on anybody! We got married in 1971, and nobody would have come to our wedding at a resort in Mexico. Nobody would have spent these huge amount of money the poster quotes. At our wedding we planned to spend nothing, that is the expenditures we had should be equal all ...
by likegarden
Sun Apr 22, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 9407

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: 69
Views: 6642

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: 1130

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: 3890
Views: 1087205

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: 5027

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: 1061

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: 2587

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: 10389

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: 70
Views: 7303

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: 6425

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: 19255

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: 8824

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: 4868

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: 2212

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: 338
Views: 28599

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...