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.
DEAR HARRY: I am not a financial person. I teach in the Philadelphia school system and I invest very carefully. I have a friend who works for a broker and sells all kinds of securities. Five years ago, we made a small bet ($100) on whether his company's selections would prove a better investment than my personal selection of index funds over a five-year period.
Harry Gross writes about personal finance for the Daily News.