Search found 479 matches

by AntsOnTheMarch
Sat Feb 17, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 78
Views: 10513

Re: Doctor wants Social Security number

I don’t fight providing my SSN in any reasonable or semi-reasonable situation. Recentlly, I had to provide it at the Xfinity store to transfer my cell phone service from ATT. :shock: I asked if I could provide the last four instead and the answer was no. My option was to walk away without changing m...
by AntsOnTheMarch
Sat Feb 17, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 12799

Re: Ally Bank 12 month CD now 2.00%

I wonder why I see quite a few posts from people having trouble with Ally’s website when I have a silky smooth experience on both OS X and iOS. In fact, I’d say one the better banking sites I’ve used. Maybe a client side tech issue due to an older browser/OS?
by AntsOnTheMarch
Sat Feb 17, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 26
Views: 2261

Re: Transition from house to apartment

We downsized from a 2400 sq ft single family home to a 1000 sq ft apartment condo 4 years ago. It’s something we would do all over again. Getting rid of stuff accumulated over a lifetime is emotionally difficult for most people. A good estate sales agent can help. Basically, you go around and tag an...
by AntsOnTheMarch
Sat Feb 17, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2435

Re: Cell phone service

The other cool feature is that you can toggle between paying by the GIG or Unlimited at anytime for free, even in the middle of your current billing cycle. If it looks like you are close to hitting 4 GIGs in a month you can flip to Unlimited for $45 and then flip back to by the GIG the following mo...
by AntsOnTheMarch
Sat Feb 17, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2435

Re: Cell phone service

I think what’s often missing in these threads is that people don’t make a distinction between monthly fee and monthly per line fee. You get statements like, “my plan is great! Unlimited calls, text and data for $45 per month.” But if that’s for one line and there are three of you in the family, that...
by AntsOnTheMarch
Fri Feb 16, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 138
Views: 8344

Re: I'm Cancelling My Home Insurance

essbeer wrote:
Fri Feb 16, 2018 1:51 pm
I though homeowners insurance was usually required for umbrella insurance, car insurance too.
I think this is correct.

Canceling home insurance seems about as bad a way to save a buck as one can think of—especially for someone with a high net worth (law suits for slip and fall, etc).
by AntsOnTheMarch
Fri Feb 16, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5746

Re: Amazon Alternative

Any opinions would be welcome. Thanks. My opinion is to stop shopping at amazon because they allow shenanigans—and I believe on purpose. They ignored their counterfeit goods problem until it finally blew up in the media even though they must have known about it long before (since everyone else alre...
by AntsOnTheMarch
Fri Feb 16, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Anyone Using ALLY Investment Account?
Replies: 10
Views: 1752

Re: Anyone Using ALLY Investment Account?

Ally’s website works wonderfully well on my computer and iPad. I think it’s one of the better ones out there. Don’t know about investments—only hold savings and CDs there. Current savings is 1.45%.
by AntsOnTheMarch
Fri Feb 16, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 52
Views: 4279

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Choose TD if you want AA to adjust over your lifetime. Choose LS if you want a constant AA throughout. Any other differences are not major I think, but TD holds foreign bonds and I don’t recall offhand if LS does or not — or in what amounts.
by AntsOnTheMarch
Fri Feb 16, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: CDs in a Vanguard IRA?
Replies: 2
Views: 334

Re: CDs in a Vanguard IRA?

Search forum for “vanguard brokered CD” (see link below)

https://www.google.com/search?sitesearc ... rokered+CD
by AntsOnTheMarch
Fri Feb 16, 2018 5:26 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2435

Re: Cell phone service

The answer to what the best plan is is the same as to what the best AA is. It depends. Everybody comes at you with different answers. You need to run some numbers and figure out what relates to your situation and what’s important to you. For my user profile, nobody came close to Xfinity mobile. Here...
by AntsOnTheMarch
Thu Feb 15, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2435

Re: Cell phone service

If you’re a Comcast/ Xfinity internet customer, check out Xfinity mobile. If your current phone is unlocked and compatible (or you buy one of theirs) you could find the service dirt cheap (depending on your data usage) and you will get Verizon coverage. I think it could be one of the best deals goi...
by AntsOnTheMarch
Thu Feb 15, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2435

Re: Cell phone service

If you’re a Comcast/ Xfinity internet customer, check out Xfinity mobile. If your current phone is unlocked and compatible (or you buy one of theirs) you could find the service dirt cheap (depending on your data usage) and you will get Verizon coverage. I think it could be one of the best deals goin...
by AntsOnTheMarch
Mon Feb 12, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2089

Re: USPS Flat Rate Boxes - How do they work?

Former postal retiree, here....and just want to thank y’all for supporting the USPS...... I think it’s the best deal in the country! I may be biased as I worked there for 30+ years, but compared to other countries, we are a good deal! Yes, there are issues that many have had in the past, but in my ...
by AntsOnTheMarch
Mon Feb 12, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2089

Re: USPS Flat Rate Boxes - How do they work?

arsenalfan wrote:
Mon Feb 12, 2018 3:47 pm


If you get an account on myusps.com, you can have packing boxes/materials sent for FREE to your postal address.
The post office is 100 yards away and I need the exercise. :D
by AntsOnTheMarch
Mon Feb 12, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2089

Re: USPS Flat Rate Boxes - How do they work?

Good advice, all. FYI: I just shipped ~15 items all over the country today (from northeast) and discovered the following: Small heavy stuff going way down south, southwest, west = you can’t beat the flat rate boxes. A smallish box to Utah would have been ~$25 and it was $12.70 as a medium flat rate ...
by AntsOnTheMarch
Mon Feb 12, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2089

Re: USPS Flat Rate Boxes - How do they work?

Thanks to all who replied. Just picked up some flat rate medium boxes at the post office. I use PayPal for shipping so I can create labels and pay postage from there. Will work well for me as I have some small but heavy items going cross country.
by AntsOnTheMarch
Sun Feb 11, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2089

Re: USPS Flat Rate Boxes - How do they work?

Thank you spoonfork & Traveller! :sharebeer
by AntsOnTheMarch
Sun Feb 11, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2089

USPS Flat Rate Boxes - How do they work?

Say you want to ship some items across the country and the cost of a flat rate box is less than using your own packaging. You go to post office and buy a suitably sized box. Do you pay for the box and postage for said box at this time? Do you get the box for free and “buy the postage part” when you ...
by AntsOnTheMarch
Sun Feb 11, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6388

Re: Does it ever make sense to buy a new car?

My strategy: buy new, buy cheap, buy reliable, keep it until it dies. Any lower trim Honda or Toyota should fit those requirements. If one gets into the mindset that says a 2015 Camry is outdated due to safety/technology improvements in 3 years, what is the plan for 2-3 years down the road? At the r...
by AntsOnTheMarch
Thu Feb 08, 2018 12:51 am
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1551

Re: Xfinity mobile is burning through data

Is there anyone else on Xfinity account with you? Maybe the usage "account" value includes others besides yourself. Yes, my wife. It’s all clearly broken down on the Xfinity mobile account app by user. That’s not the problem. Anyway, I am “responsible” for my wife’s phone so I did check her data us...
by AntsOnTheMarch
Wed Feb 07, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2504

Re: Getting Rid of Ants in the House?

123 wrote:
Wed Feb 07, 2018 7:38 pm
Usually I will put it on the trail in the evening and by morning there are no more aunts.
I have some aunts I’d like to rid myself of as well but worry about doing prison time. :D
by AntsOnTheMarch
Wed Feb 07, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1551

Re: Xfinity mobile is burning through data

I have concluded this tends to happen when switching providers. My small data sample is: 1. Yours 2. I switched an unlocked multicarrier phone from TMo to Verizon. Used an exorbitant amount of data the first month. Settled back down to normal second month and onward 3. Friend bought unlocked multic...
by AntsOnTheMarch
Wed Feb 07, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1551

Re: Xfinity mobile is burning through data

Even though I’ve made no changes to phone settings or usage, things seem to have stabilized. Data usage meter in Xfinity mobile app hasn’t moved. Maybe the Xfinity mobile magic software behind the curtain needed a few days after sign up to figure it all out? Don’t know but glad it’s working well.
by AntsOnTheMarch
Wed Feb 07, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2504

Re: Getting Rid of Ants in the House?

+1 on Terro and patience I don’t know about the smaller ants but we had constant black ant problems in the last home due to woods around house. I think black ants seek moisture in wood more then food as they rarely got into kitchen. Terro always worked in the end but sometimes it took a few days and...
by AntsOnTheMarch
Tue Feb 06, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Ever Thought of Suing (or Sued) A Waterproofing Company?
Replies: 20
Views: 1531

Re: Ever Thought of Suing (or Sued) A Waterproofing Company?

It sounds to me as though your immediate concerns are to: 1. Repair situation with filled drainpipe to prevent further water damage. 2. Repair water damage to prevent mold growth. I would not use the company that created my problem and has proven unreliable to do any of this work. I would do it and ...
by AntsOnTheMarch
Tue Feb 06, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 2606

Re: Comcast Modem Rental

I’ve run my own modem for at least 15 years, I think. I had to switch once—in ~2012 due to a new protocol and my old modem not supporting it. The new modem I got in 2012 is no longer supported by Comcast but runs fine. I have 25Mb downstream service and speed test shows 30Mb routinely on this “unsup...
by AntsOnTheMarch
Tue Feb 06, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5746

Re: Amazon Alternative

I try avoid Amazon like the plague. First of all, my own personal solution to almost any shopping question is that I don’t need it. But if I actually do need it, lately, I find myself ordering electronics at Best Buy or sometimes Staples and having items delivered to a nearby store for pick up. I pr...
by AntsOnTheMarch
Tue Feb 06, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 2606

Re: Comcast Modem Rental

BrewOx wrote:
Tue Feb 06, 2018 6:57 am
Comcast is charging $11/mo. for modem rental. Any thoughts on buying a modem to eliminate the rental fee?
Are there any problems with doing this?
I have this.
https://www.amazon.com/ARRIS-SURFboard- ... B00AJHDZSI

Not sure what advantages there could be renting from Comcast.
by AntsOnTheMarch
Mon Feb 05, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1551

Re: Xfinity mobile is burning through data

Should have mentioned. iPhone 6s Plus for me and iPhone SE for wife. These are not new phones (BYOD), so I’m used to them and know the ins and outs of the phones. As for cellular vs. Wi-Fi, I check the status bar on phone and find nothing unusual. When I’m at home or in hotspot range, it says Xfinit...
by AntsOnTheMarch
Mon Feb 05, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1551

Re: Xfinity mobile is burning through data

Find out which app is consuming your data: Android: https://www.howtogeek.com/140261/how-to-minimize-your-android-data-usage-and-avoid-overage-charges/ Apple: https://support.apple.com/en-us/HT201299 Thanks. I already checked. It doesn’t add up to what Xfinity is reporting as usage in my account. I...
by AntsOnTheMarch
Mon Feb 05, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1551

Re: Xfinity mobile is burning through data

AT&T has stream saver where it reduces the bandwidth for video to save data. I know once they rolled it out about a year ago our data usage dropped. Could be related to this, your new provider doesn’t have something equivalent or it’s not on by default. Thanks for the response. I don’t watch videos...
by AntsOnTheMarch
Mon Feb 05, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1551

Re: Xfinity mobile is burning through data

Did you check the data usage to compare with your usage? Did you make sure that the phone is not doing background updating if you are not on wifi. Here is some info about checking usage. https://www.xfinity.com/mobile/support/article/221763947/how-do-i-track-my-data-usage Yes, I checked usage using...
by AntsOnTheMarch
Sun Feb 04, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1551

Xfinity mobile is burning through data

Xfinity mobile users, did you notice increased data usage after switching from another provider? I signed up less than one week ago and I’m already over 1g. On AT&T I’d be at ~1g by the end of the month. I’m almost exclusively on Wi-Fi all day. Something isn’t right here.
by AntsOnTheMarch
Sat Feb 03, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8697

Re: WHY do wireless routers need periodic reboots?

Is there some sort of trophy or points awards for those who *never* have to reboot their router? I don't get it. As a retired engineer with data centers, we always had a 'best practice' procedure of rebooting servers after about 4 weeks of 'up time'. Kinda like rinsing your mouth each night. As a w...
by AntsOnTheMarch
Fri Feb 02, 2018 6:58 am
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5393

Re: Fewer acronyms please

I’m fairly new to the forum so maybe a I can offer a fresh look at the situation for the veterans. - Acronyms can be quite daunting—especially those specific to this forum. It’s nice that there’s a wiki but newer members wouldn’t even know to look. I only found it recently and it’s quite handy. Mayb...
by AntsOnTheMarch
Thu Feb 01, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8697

Re: WHY do wireless routers need periodic reboots?

have never had to reboot my apple system ever I have had the same Apple AirPort Extreme wireless router for at least ten years, and I've had to reboot just once. Same router, same time owned, maybe rebooted 5 times? Apple has a utility to set it up that a dummy like me can understand. Unfortunately...
by AntsOnTheMarch
Thu Feb 01, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18637

Re: Do people still use AAA?

Lots of auto part stores will install batteries for no charge. Ask around.
by AntsOnTheMarch
Thu Feb 01, 2018 4:01 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 14010

Re: Account security - Hackers gain access to mobile and then break havoc

This is an older thread but I am happy to have found this tidbit on an earlier page... https://www.theverge.com/2017/9/18/16328172/sms-two-factor-authentication-hack-password-bitcoin "This is why you shouldn’t use texts for two-factor authentication" Comment from the article: The big problem with t...
by AntsOnTheMarch
Tue Jan 30, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Here's my net worth....I max everything out.....now what?
Replies: 64
Views: 11452

Re: Here's my net worth....I max everything out.....now what?

Let me see if I understand.... 1. You and your wife are making 330k in a depressed LCOL area. All this while you are working at 40 hr week administrative position. Take a minute to let that soak in before you go to to the next item. 1b. You and your wife are making 330k in a depressed LCOL area! 2. ...
by AntsOnTheMarch
Sat Jan 27, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 3716

Re: Which of these mechanic-recommended services would you pay for?

Agree with others, follow manual. My manual has clear recommendations for everything from brake fluid to air cabin filter. I don’t recall if there is a mileage recommendation for hoses and belts other than inspect and replace as needed. My car is 8 years old and I haven’t replaced any yet. Spark plu...
by AntsOnTheMarch
Sat Jan 27, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: I don't think my lady is very good at saving money, how do I handle?
Replies: 50
Views: 3879

Re: I don't think my lady is very good at saving money, how do I handle?

You don't need to handle anything. You need to setup hers, ours, and his accounts. You should contribute equal percentages to the ours account, and pay joint expenses from that account. This way she can spend her money as she sees fit, and you can continue to be judgemental about it :wink: +1 Keep ...
by AntsOnTheMarch
Sat Jan 27, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8504

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I find apple’s rationale for not supporting older devices reasonable. I can also understand why they slowed down older devices to preserve battery performance but the new solution of cheap battery replacement is a bonus for me, so I won’t complain that they were pressured for PR reasons. Apple canno...
by AntsOnTheMarch
Fri Jan 26, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12620

Re: When did the bad news start in 2008?

IlliniDave wrote:
Fri Jan 26, 2018 4:19 pm
Not to sound flippant but there's always bad news and predictions of crashes and the like. Every year. Every month. Every week. Every day. Every hour on the hour.
Fixed that for you. :D
by AntsOnTheMarch
Thu Jan 25, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation in Early Retirement--a different Perspective
Replies: 18
Views: 2668

Re: Asset Allocation in Early Retirement--a different Perspective

I have often seen “be prepared for a 50% drop in equities at any time” discussed within these forums but this is the first time I see the 10% figure used for a potential bond crash. Where is the 10% coming from and what sort of bonds are we talking about, may I ask?
by AntsOnTheMarch
Thu Jan 25, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8504

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I bought a battery for my 5s at one of the mall kiosks and they replaced it for $30 and in 10 minutes. Works like new. Given the problems with some Li-ion batteries are you concerned about the battery? I think from some of the clips of these catching on fire I would rather pay the extra and have Ap...
by AntsOnTheMarch
Thu Jan 25, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Question to Taylor and others regarding bucket approach in retirement
Replies: 53
Views: 3222

Re: Question to Taylor and others regarding bucket approach in retirement

The only bucket I keep an eye on is the one I’m going to kick sooner or later.
by AntsOnTheMarch
Thu Jan 25, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16231

Re: Dear wife quits job and now we are down to 1 income

I would feel very uncomfortable draining EF for more than a few months. DW seems to be going through some sort of mini-crisis and that is not to be underestimated, so give her some time but then initiate some discussions about longterm consequences. Rather than saying what to do, show her numbers an...
by AntsOnTheMarch
Wed Jan 24, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8504

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I’ve owned only 2 iPhones in the last many years. I had the 4 when it came out and then the 6s plus—which I currently own. I will take advantage of the $29 battery offer and keep it for a year or two more. There is a sweet spot for upgrades. In the apple ecosystem, I wouldn’t own a 4 now if you paid...
by AntsOnTheMarch
Wed Jan 24, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Excel for Personal Finance Accounting ?
Replies: 42
Views: 3416

Re: Excel for Personal Finance Accounting ?

The OP's goal is to "to reconcile and maintain our deposit and credit card accounts"... If that's all one wants to do, Excel (or any other spreadsheet) can do the job with ease. With or without a template to start with. On the other hand, to duplicate all the features in Quicken requires a relation...