Search found 356 matches

by AntsOnTheMarch
Sun Dec 17, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 70
Views: 3318

Re: How much do you spend on food per month, per person?

Lucky you, I’m doing my annual budget review now. :twisted: ———2017 for DW and me——— Actual to date: 6,688 Prorated to end of 2017: 6,975 Per month for 2: 581.26 Per month for 1: 290.63 ——————————————————— This includes most (but not all) household cleaners, toiletries, etc. A lot of the expense of ...
by AntsOnTheMarch
Sat Dec 16, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Iphone Maps with Voice and Bluetooth Hands Free
Replies: 7
Views: 354

Re: Iphone Maps with Voice and Bluetooth Hands Free

I have the same problem on my (relatively) new car - 2017 Subaru Outback. My SIL had a company issued Outback (2016) and did not have the same problem. His worked fine. He could be listening to the radio (for example) and Siri would still give him oral directions. The only way I can get Siri to giv...
by AntsOnTheMarch
Sat Dec 16, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 52
Views: 4243

Re: New Car - Always use parking brake ?

Have always used the parking brake but driving standard cars most of my life. For automatics, I doubt it makes much difference except maybe in extreme environments and even then, I doubt it. It is probably there as a measure of extra safety should car slip out of gear.* Not for nothing but it was ca...
by AntsOnTheMarch
Fri Dec 15, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1119

Re: Need to find a Used/Refurbished Macbook Air

Another vote for MacBook over Air. Much nicer computer. Great for a student or non-power user (not for CAD, video editing, etc).
by AntsOnTheMarch
Fri Dec 15, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1119

Re: Need to find a Used/Refurbished Macbook Air

Always surprised how people don’t get internet sarcasm... Just get her a new one off B&H Photo. They have the best prices on Apple equipment. If the worst scenario is that she pays $900 for a MacBook vs $700 for an equivalent windows computer it’s really not the end of the world. Sarcasm fail due t...
by AntsOnTheMarch
Fri Dec 15, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1119

Re: Need to find a Used/Refurbished Macbook Air

All she needs it for is to take notes and write papers, so there's no need to waste $800 on a Macbook Air. That's for games, youtube, instragram, tweeter, pornography and other modern nonsense; it ain't for academics. Explain to her that the $800 could be earning her interest in a mutual fund and p...
by AntsOnTheMarch
Thu Dec 14, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: TLH: Would you treat these 4 international funds as virtually interchangeable
Replies: 6
Views: 603

Re: TLH: Would you treat these 4 international funds as virtually interchangeable

VTIAX (etf: VXUS) Vanguard Total International Stock Index Fund Admiral Shares IXUS iShares Core MSCI Total International Stock ETF VFWAX (etf: VEU) Vanguard FTSE All-World ex-US Index Fund Admiral VTMGX (etf: VEA) Vanguard Developed Markets Index Fund Admiral Shares Switching between any two of th...
by AntsOnTheMarch
Thu Dec 14, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: TLH: Would you treat these 4 international funds as virtually interchangeable
Replies: 6
Views: 603

Re: TLH: Would you treat these 4 international funds as virtually interchangeable

Two excellent responses!

nisiprius, that is a quite an analysis! Thank you for taking the time to write it.
:sharebeer
by AntsOnTheMarch
Thu Dec 14, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: TLH: Would you treat these 4 international funds as virtually interchangeable
Replies: 6
Views: 603

TLH: Would you treat these 4 international funds as virtually interchangeable

VTIAX (etf: VXUS) Vanguard Total International Stock Index Fund Admiral Shares
IXUS iShares Core MSCI Total International Stock ETF
VFWAX (etf: VEU) Vanguard FTSE All-World ex-US Index Fund Admiral
VTMGX (etf: VEA) Vanguard Developed Markets Index Fund Admiral Shares

Edited to correct typo in title.
by AntsOnTheMarch
Wed Dec 13, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 154
Views: 15690

Re: What to do after losing $117k in stock market?

I assume you’re young? You have something more important than money: youth and marketable skills. You’ll make that $117k up in no time and forget about itin the long run. You need to concentrate on: - Human capital. Don’t end underemployed or unemployed at 50. - Pay down debt while putting enough in...
by AntsOnTheMarch
Wed Dec 13, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10951

Re: Do people still use AAA?

Proactively test my battery when I change oil as part of standard multi-point check (battery, brakes, tires, etc). My 5 year warrantied battery was replaced on year 7. Beats finding your battery dead while parked in the remote airport lot upon returning from a vacation in January. Can also buy a jum...
by AntsOnTheMarch
Wed Dec 13, 2017 3:50 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10951

Re: Do people still use AAA?

For those that have used the AAA battery service, do you get charged for the battery?
by AntsOnTheMarch
Sat Dec 09, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 70
Views: 4195

Re: I am buying a car: Most/Least Reliable Makes?

Cars are both more reliable and more costly to repair than in the past. With all the tech features for safety and convenience more can go wrong and can be difficult to impossible to DIY—and expensive to pay to fix. I’ve had several TPMS sensors go out over the years. They’re expensive. Last one I ch...
by AntsOnTheMarch
Fri Dec 08, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 70
Views: 4195

Re: I am buying a car: Most/Least Reliable Makes?

I’ve owned 2 Honda’s in the last 26 years. By my own anecdotal survey, they are dead on reliable.
by AntsOnTheMarch
Thu Dec 07, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3480

Re: Best solution for digitizing documents?

How long does one keep scanned documents? For example: 1. Back in 2009 I transferred funds from Fidelity to Vanguard 2. Back in 2010, my employers changed from Mass Mutual to Principal for the 401(K). Then later in the year, I left the company and transferred all funds to Vanguard. I do have an Exc...
by AntsOnTheMarch
Wed Dec 06, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10951

Re: Do people still use AAA?

I haven’t had AAA in a couple of decades. I don’t see the value unless they are shown to provide some ultra-superior form of support for breakdowns—and I don’t think that they do. My CC and insurance both provide emergency road service and I have used both. I would use the CC first so as not to give...
by AntsOnTheMarch
Wed Dec 06, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3480

Re: Best solution for digitizing documents?

iOS 11 now scans documents directly from the notes app. No 3rd party app needed. The result is a pdf which can be stored in notes, iCloud, or any other cloud account (Dropbox, google drive, etc). You can also file any downloads from your online accounts in the same places—so you can roll your own fi...
by AntsOnTheMarch
Tue Dec 05, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7080

Re: Lowering My Grocery Bill

Regarding all of dm200’s posts:
+1
by AntsOnTheMarch
Mon Dec 04, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 2743

Re: How much do you need to drive a car to keep battery charged and everything else OK?

I am an not expert either but I have listened to hundreds of episodes of car talk on NPR. :D Once a week is fine. Problems tend to crop up after months. Flat spots on tires, dead battery, etc. A good battery will probably hold a charge for a month or more. So once a week should be fine. On the matte...
by AntsOnTheMarch
Mon Dec 04, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4842

Re: Best Basic DESKTOP?

I find these discussions puzzling. How can a person be comparing a tricked out windows machine to a chromebook, to roll-your-own system Mac mini? Talk about apples and oranges! (Pun intended.) Pick the OS, not the hardware. Then get the hardware to run your OS of choice. I’m not sure why you’re worr...
by AntsOnTheMarch
Sat Dec 02, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help me Help mom
Replies: 29
Views: 1570

Re: Help me Help mom

She has quite a bit of assets. At 70. I might buy her a very nice SPIA to generate income. How much does she spend each year? Dottie, I was hoping you might respond. I have appreciated your perspective in other posts. As far as I can tell, roughly $30k per year. Her car has 30k miles on it, so it s...
by AntsOnTheMarch
Fri Dec 01, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: How to track purchase/warranty information?
Replies: 9
Views: 568

Re: How to track purchase/warranty information?

I was wondering how do BHs keep track of all the information related to new big ticket purchases like appliances/electronics etc. I am looking to track 1. Details of product Serial #/Model # etc. 2. Receipts 3. Warranty info 4. Manuals Is there any app / software that can efficiently do that? I hav...
by AntsOnTheMarch
Fri Dec 01, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10419

Re: Price of haircut?

abuss368 wrote:
Fri Dec 01, 2017 9:34 am
Anyone remember the Flowbee? That has to be a Boglehead approved way of cutting hair.
Flowbee + Wahl clippers for fine tuning.

It’s not just for saving money. I prefer to do it myself.
by AntsOnTheMarch
Fri Dec 01, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7189

Re: Does it make sense to drop ASSET PROTECTION insurance?

My wife and I are 60 and have been in the individual market for decades. We’ve had this discussion many times and IMO, it makes no sense to drop health insurance unless you’ve either got negligible assets or are extremely wealthy. How wealthy? The previous post about someone with 10m going broke sho...
by AntsOnTheMarch
Thu Nov 30, 2017 2:47 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5193

Re: How Do You Stay Current With Popular Music?

I don’t make a special point of “trying on” new music but whenever I hear something I like, wherever I am (coffee shop, etc), I Shazam it and look up the video and lyrics later. I am often amazed at how much I like some of the songs once I see the lyrics. I must say however, that I think it’s hard t...
by AntsOnTheMarch
Wed Nov 29, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Negotiating used car - Toyota Highlander
Replies: 32
Views: 1928

Re: Negotiating used car - Toyota Highlander

Put me on list of people who don’t see “a deal” in used Honda or Toyota vehicles. I don’t think a few K$ is worth inheriting tens of thousands of somebody else’s miles. I plan to keep car for 10+ years (last one was over 20) so I’ll pay the premium and amortize. That said, if you prefer used, be awa...
by AntsOnTheMarch
Wed Nov 29, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2895

Re: Don't leave your mac unattended! It has zero security now.

does this update automatically or does one have to do something to get the patch? MacLife (@MacLife) 11/29/17, 12:40 PM “This morning, as of 8 a.m., the update is available for download, and starting later today it will be automatically installed on all systems running the latest version (10.13.1) ...
by AntsOnTheMarch
Wed Nov 29, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3969

Re: Luggage Update for Travel

I fail to see what the big deal is about checking a bag. I've never had one lost in dozens of business trips, and in most cases,it only takes an extra 5 minutes or so to retrieve. On a recent vacation trip to Barcelona, however, DW convinced me to go all carry-on. So I bought a new spinning roller ...
by AntsOnTheMarch
Wed Nov 29, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2895

Re: Don't leave your mac unattended! It has zero security now.

For those of us who are tech-challenged and chose Mac for exactly that reason, i.e., its general "intuitive" feel and ease of hands-on use, what does it mean to "set a password to root"? What exactly does a person do to accomplish this? And is it something that will need to be un done when Apple it...
by AntsOnTheMarch
Wed Nov 29, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 64
Views: 15018

Re: Alternative to Google Finance? [Portfolios feature deprecated]

Because of this, I've been using personalcapital.com lately. It automatically pulls the information from my main investment accounts at Merrill Edge and Schwab. I am not willing to give my login credentials to a third party to allow them to pull my financial information from my investement accounts...
by AntsOnTheMarch
Wed Nov 29, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2895

Re: Don't leave your mac unattended! It has zero security now.

As far as we know, only applies to High Sierra. How many people here running High Sierra? If you are, set root password until patch is issued. Problem solved. The biggest pita will likely be to school network administrators and Apple store employees because every 14 year old is going to go out and ...
by AntsOnTheMarch
Wed Nov 29, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2895

Re: Don't leave your mac unattended! It has zero security now.

As far as we know, only applies to High Sierra. How many people here running High Sierra? If you are, set root password until patch is issued. Problem solved. The biggest pita will likely be to school network administrators and Apple store employees because every 14 year old is going to go out and t...
by AntsOnTheMarch
Tue Nov 28, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2863

Re: CAR: Buy new, buy used (2016), lease new

I slept terribly and will no longer be in that dealerships area today so i’m cancelling ... Honestly, I haven’t been able to get an actual price to be presented / agreed upon from over 5 dealerships and I’m at a loss with getting the “best deal” Do I call and make an offer and if it’s accepted go o...
by AntsOnTheMarch
Tue Nov 28, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3969

Re: Luggage Update for Travel

Got an Eagle Creek Expanse Carry-On on sale a few years ago and it is an excellent, well constructed bag. It rolls perfectly and the wheels and handle look to be very sturdy. I expect to get a lot of years out of it. It has adhered to all airline carry-on size restrictions thus far. I suppose they c...
by AntsOnTheMarch
Mon Nov 27, 2017 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25941

Re: Currently have $700,000 at 26 years old get $100,000 a year

OP is 27, getting 100k per year indefinitely it seems. He has 700k plus liquid/invested. He will come into 3m at some future date. He has no interest/capacity to create and follow budget, learn about finances in any meaningful way, build future wealth, build human capital, work (for now). OP wants e...
by AntsOnTheMarch
Sat Nov 25, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17574

Re: The fallacy of spending money on "experiences" vs hard assets

I am with eye surgeon that experiences are so overrated. We went to the Galapagos islands with National Geographics/ Lindblat for one week and I enjoyed the two hour National Geographics movie I saw on cable while I was walking on the treadmill so much more. For me it is a myth that vacations/exper...
by AntsOnTheMarch
Sat Nov 25, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17574

Re: The fallacy of spending money on "experiences" vs hard assets

The trendy thing these days is to talk about spending money on "experiences", basically a new-age description of a vacation, and how it's better than spending money on "things", basically a new-age description of hard assets. The news is full of pop-science articles touting the benefits of this, mo...
by AntsOnTheMarch
Wed Nov 22, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14097

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I bet if you drill down to spending habits, you’ll find that most longtime bogleheads (whether they spend a lot or a little) are doing what they like and in a responsible way. So some dubious savings from paying with cash are neither here nor there. We spend what need to and any extra that we want t...
by AntsOnTheMarch
Tue Nov 21, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 3876

Re: Car Lease Gotchas

One of my simple (simple-minded?) theories of life is to never try and beat an expert at his game. Car dealers are experts at extracting money from you. They have many methods to accomplish this and they are forever changing. If I had to go to head to head one, I assume I’m gonna get the worst of it...
by AntsOnTheMarch
Mon Nov 20, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14097

Re: Dave Ramsey says don't use credit cards, even if you pay them off

We use credit cards for everything. In our entire life, We have always paid off every credit card every month. So in effect we delay payment for everything we purchase by about 6 weeks. Have I ever said to myself, "you know I don't have the funds to buy this right now, but I will have the money in ...
by AntsOnTheMarch
Mon Nov 20, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14097

Re:Dave Ramsey says don't use credit cards, even if you pay them off

Please know that 7 out of 10 people in this country are leveraged to the max and live paycheck to paycheck. Bringing up the subject of personal finance to a group of friends while having a cold beer or get together is a no no. You'll get blank stares or someone will change the subject immediately. ...
by AntsOnTheMarch
Mon Nov 20, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14097

Re: Dave Ramsey says don't use credit cards, even if you pay them off

My wife and I are minimalists and get joy from NOT buying things. No way a cc is making us spend more.

That said, I think the advice is good because it will probably help 90+% of Americans. But it will probably help few bogleheads.

It’s a matter of know thyself.
by AntsOnTheMarch
Fri Nov 17, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 16
Views: 664

Re: St. Petersburg, FL visit: Rental car, tolls, SunPass questions

EZ pass works in Florida? Can you send me a link? Last I saw: http://www.tampabay.com/news/transportation/roads/no-compatibility-in-sight-for-e-zpass-and-florida-toll-system/2334589 EZ pass works in Florida? Can you send me a link? Last I saw: http://www.tampabay.com/news/transportation/roads/no-co...
by AntsOnTheMarch
Fri Nov 17, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 16
Views: 664

Re: St. Petersburg, FL visit: Rental car, tolls, SunPass questions

St. Pete resident here. Your main concern is going to be the Skyway if you are visiting Bradenton/Anna Maria. But that toll road still takes cash (much to my chagrin..). But if you are driving to St. Pete from the Tampa airport, there are no toll roads. Also, the Pinellas Bayway is a toll road, but...
by AntsOnTheMarch
Fri Nov 17, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 16
Views: 664

Re: St. Petersburg, FL visit: Rental car, tolls, SunPass questions

I'd recommend you set up an account online at sunpass.com and order a transponder in advance of your trip. It will be mailed to you within a week. You can pay 19.99 for the portable version or 4.99 for a stick on version that can be applied only once and then remove it before you return the car. Wh...
by AntsOnTheMarch
Fri Nov 17, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3911

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

I grew up and currently live in northern New England. Nearly 20 years ago, I co-oped for a company with multiple manufacturing facilities around Connecticut. I regularly commuted along the I-91 corridor. Connecticut is a state with an identity crisis. The “rat tail” of southwest CT feels like an ex...
by AntsOnTheMarch
Fri Nov 17, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 16
Views: 664

St. Petersburg, FL visit: Rental car, tolls, SunPass questions

DW are planning a 2 week stay near downtown St. Pete’s this coming February (flying into Tampa and renting car). I’m trying to figure out a toll road strategy. We visited areas around Naples, Ft. Meyers and Sarasota a coupe of years ago. I don’t remember any tolls at that time but we’re mostly on lo...
by AntsOnTheMarch
Thu Nov 16, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3911

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

Offhand I'm surprised that people would specifically tag Connecticut as being a problem. I'm not really familiar with it (mostly drive through it) but I can't think of anything so awful about the state of Connecticut as a whole that would lead you to cross a job off the list if the job otherwise lo...
by AntsOnTheMarch
Wed Nov 15, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3911

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

According to this recent evaluation, CT is rated better than 13 other states—including NY, CA, MA, NJ. Would you also rule out these states for the same reason?