Search found 343 matches

by AntsOnTheMarch
Sat Dec 09, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 64
Views: 3381

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: 64
Views: 3381

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: 28
Views: 2086

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: 140
Views: 7294

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: 28
Views: 2086

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: 6884

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: 2702

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: 4766

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: 1495

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: 560

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: 10201

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: 7057

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: 5104

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: 1893

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: 2858

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: 3923

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: 2858

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: 14594

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: 2858

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: 2858

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: 2829

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: 3923

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: 25629

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: 17323

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: 17323

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: 13883

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: 3851

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: 13883

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: 13883

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: 13883

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: 652

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: 652

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: 652

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: 3883

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: 652

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: 3883

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: 3883

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?
by AntsOnTheMarch
Wed Nov 15, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 112
Views: 11193

KRACK FUD PSA

I did some research on this when it came up and found a good webcast that covers all the details of swirling FUD. Relevant info starts @1:32:48 https://twit.tv/shows/security-now/episodes/633 Here’s my personal situation. As you can see, if this was a real concern, I’d be highly vulnerable. - DW and...
by AntsOnTheMarch
Tue Nov 14, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2109

Re: Iphone 4

The iphone 4 was my first smartphone. It was bought used on Amazon. I loved using it to travel. The phone, as a phone, was awful. My cheek kept hitting the mute button and I would always have to switch screens before talking. People complained about the voice quality. After one year, I bought an iP...
by AntsOnTheMarch
Tue Nov 14, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2109

Re: Iphone 4

if you use your phone to just make phone calls and check email and texts, i don't think you need to change. the cameras on the newer phones are noticeably better in quality. But what do people do on Iphones apart from make calls, check emails, texts, and browse websites? Is the performance differen...
by AntsOnTheMarch
Tue Nov 14, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2109

Re: Iphone 4

I've been using an iPhone5 for quite a while, my children make fun of me, but it just does the job well, and I refuse to be caught in the marketing game of upgrading every year or every two years. Yes, the battery is getting a tad weaker, but not that noticeably. I only started to falter a few week...
by AntsOnTheMarch
Tue Nov 14, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2109

Re: Iphone 4

If you don’t see the incredible value added difference between an iPhone 4 and an iPhone SE, youre not using your phone correctly . that's a bit much- how can one judge if someone is using it "correctly"? everyone's usage pattern is different. This was a joke (partly). A take off on this... Steve J...
by AntsOnTheMarch
Tue Nov 14, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2109

Re: Iphone 4

Back when the 5 came out, I told people it was worth upgrading just to get LTE. So much faster to download anything. But that was 5 years ago. Now there are just too many improvements to name. Not really sure why anyone would think it's worth holding on to a 7 year old phone. Just get the cheapest ...
by AntsOnTheMarch
Mon Nov 13, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6494

Re: Isn't it safer to NOT sign Credit card?

This thread has me thinking I’m going to draw a big fat “X” on anything requiring my signature. It’s so 19th century. :D
by AntsOnTheMarch
Sun Nov 12, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10910

Re: The average American retiree household

After 2008, the papers were littered with stories of people who lost jobs, were unable to keep up home maintenance, and let their homes fall into disrepair as they went further into debt. I imagine that they were playing the lottery and and hoping that they’d be bailed out by a Hail Mary at some poi...
by AntsOnTheMarch
Sat Nov 11, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4136

Re: Septic tank - deal killer?

It's a gamble because it depends on how well the previous owners maintained it. +1 The inspection will be your daughter’s best friend. The way inspections are done nowadays, if there is any problem, they will find it. Heck, they may even find a problem that’s not there. :D If there is a problem, yo...
by AntsOnTheMarch
Sat Nov 11, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6494

Re: Why use a "card"?

FraggleRock wrote:
Sat Nov 11, 2017 2:21 pm
I love Apple Pay.
It avoids all this silliness.
+1
First thing I check for when I get up to the checkout/reader is if it’s enabled. Many cashiers seem amazed that you can pay by phone even though it’s been available for years.
by AntsOnTheMarch
Sat Nov 11, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2532

Re: PayPal alternative?

Anytime a cc is used to pay, the sender eats the fees. Buyer won't feel a thing. So whatever someone said free when using cc for personal payments is wrong I was the one who said that PayPal doesn’t charge me for cc transactions. I don’t have my bank account linked to PayPal. I went back and looked...
by AntsOnTheMarch
Fri Nov 10, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6494

Re: Isn't it safer to not sign Credit card?

I looked this up some time ago when a friend advised me not to sign my credit card. Here’s an example of what I found.
https://www.creditcards.com/credit-card ... D-1282.php

I see no merit to this argument.
by AntsOnTheMarch
Fri Nov 10, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2532

Re: PayPal alternative?

But after finding out about the terrible PP customer service, I'm wondering if there's a good alternative. This is an issue for eBayers -- your family members aren't likely to claim that they never got the cash, are they? :happy Not sure where customer service would even factor in here. My kids swe...