DEAR HARRY: I am 73 and a transplant recipient. My wife is 71 and on dialysis. As you can guess, our immune systems are compromised. Late in the winter, we started having trouble with our heating system. We needed a new heater immediately on a Friday night. After many calls, we got a guy who said he could come out the next day and replace the heater if necessary. He installed it except for a few "cosmetics" that he promised for Monday. He was paid in full by a bank loan. The heater failed on us the next day.
Harry Gross writes about personal finance for the Daily News.