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Phillip Morris International PM

I have owned this stock for 15 years. It has been one of the best investments I ever made. Currently I have $31,000 in long term capital gains and dividends are $2000/year. Being in the 15% tax bracket my taxes would be -0- if I sell. Going forward I am a little uneasy about future growth for this c...
by Grandpaboys
Thu Mar 05, 2015 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Phillip Morris International PM
Replies: 5
Views: 285

Re: New Homeowner Gift

Garage door opener
Door mats for all outside doors
New Barbecue grill gas
Power washer
Leaf blower
Lawn furniture
by Grandpaboys
Wed Mar 04, 2015 9:20 am
 
Forum: Personal Consumer Issues
Topic: New Homeowner Gift
Replies: 31
Views: 1457

Re: Help with municipal bonds

Intermediate Tax Free is where I am putting maturing CD's. Intermediate TE is now paying a distribution yield at about 3% . CD's today do not yield anything close to that. For a shorter duration I am currently using Short Term Investment Grade. I am in the 15% tax bracket and have very heavy long te...
by Grandpaboys
Mon Mar 02, 2015 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with municipal bonds
Replies: 4
Views: 461

Re: Giving guests free WiFI @ short-term rental = get sued?

Being a consumer and having a choice of properties I would rent the property with free wi/fi.
by Grandpaboys
Sat Feb 21, 2015 9:02 am
 
Forum: Personal Consumer Issues
Topic: Giving guests free WiFI @ short-term rental = get sued?
Replies: 32
Views: 3668

Re: House painting contractors

I have somewhat the same problem, however I am dealing with high price quotes and then negotiating down from there. Then you run into the contractor cutting corners to improve his profit and you wind up with a poor job . I live on a island of 600 homes and work on these homes are bid 50% higher than...
by Grandpaboys
Fri Feb 20, 2015 1:13 pm
 
Forum: Personal Consumer Issues
Topic: House painting contractors
Replies: 12
Views: 1003

Re: Any success stories negotiating with AT&T

I had DSL with AT&T for over 10 years with only .68MPLS download speed. Started at $14.99/month and kept increasing to $28.99/month. Would not give any discounts. So went wi/fi for $16.66/month with no data restriction and guaranteed 5mpls download speed. AT&T is now all over me to get me ba...
by Grandpaboys
Wed Feb 18, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Any success stories negotiating with AT&T
Replies: 11
Views: 978

Total Stock Market Index Fund

TSM is 15% of my portfolio. The NAV has more than doubled and is up some $30 a share providing long term capital gains. Being in the federal tax bracket of 15% my federal tax would be -0-. Would you let it ride or sell 1/3 of the shares. Assets would be added to Intermediate Tax Free Fund. I am 87 s...
by Grandpaboys
Wed Feb 18, 2015 7:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Index Fund
Replies: 4
Views: 730

Re: Tax Exempt Investing

David, thanks, and yes I have always paid the tax on 85% of my SS. I could invest more in Tax exempt funds but did not want to run afoul of having to much invested in tax exempt in case the IRS had some rules for taxing I did not know about. I guess I could put all my investments in tax exempt, whic...
by Grandpaboys
Mon Feb 16, 2015 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Investing
Replies: 11
Views: 1138

Re: Tax Exempt Investing

David, having hard time understanding your post, can you explain further.
by Grandpaboys
Mon Feb 16, 2015 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Investing
Replies: 11
Views: 1138

Tax Exempt Investing

My taxable account is 100%. I have no non taxable accounts. If I invest all funds in tax exempt funds do I pay no federal tax accept for social security and pensions which I have or does IRS have something else to catch me on?
by Grandpaboys
Mon Feb 16, 2015 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Investing
Replies: 11
Views: 1138

Re: Intermediate term tax-exempt bond fund

I am 100% taxable, only had IRA's the last 2 of my working years, yep I am 87. I am 85% bonds with 50% in Intermediate TE and 50% in Intermediate Investment Grade. The TE has a 3% distribution yield which is hard to beat and it keeps me in the 15% tax bracket so I can get -0- tax on my long term cap...
by Grandpaboys
Sun Feb 15, 2015 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax-exempt bond fund
Replies: 14
Views: 1278

Re: Vanguard Flagship Service Experience

I have had three or four flagship reps the best being the one I have now. Seems to have more knowledge and is willing to listen to my tax strategies on my current portfolio as it pertains to long term capital gains. He will bounce back questions that are reverent making the exchange beneficial. It h...
by Grandpaboys
Sun Jan 25, 2015 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Flagship Service Experience
Replies: 12
Views: 2341

Re: Intuit Turbo Tax Refund

Someone used the word "sinister" I think this sums it up to a tee. I don't believe for second they do not know what they are doing. They are just not getting by with it. Wish they would report total customers on an annual basis.
by Grandpaboys
Fri Jan 23, 2015 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Intuit Turbo Tax Refund
Replies: 23
Views: 2175

Re: Intuit Turbo Tax Refund

How stupid does TT think there customers are. Every year we have been going these shenanigans by TT. They make calculated risks with there shenanigans and when they start losing customers they come with the apologies and refunds. In my opinion it is a crappy way to do business and TT has now gotten ...
by Grandpaboys
Fri Jan 23, 2015 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit Turbo Tax Refund
Replies: 23
Views: 2175

Re: Vanguard and Turbo Tax

Locked out I don't think so. I have been back and forth and have download more than once. Keep trying I am sure it will work for you.
by Grandpaboys
Thu Jan 15, 2015 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 6
Views: 1164

Re: Vanguard and Turbo Tax

I had signed up for TT ONLINE @ $9.99. I have cancelled and now have DOWNLOAD PREMEIR for free being Flagship with Vanguard. A little hassle at TT site but after several re-tries the DOWNAD PREMIER was completed.
by Grandpaboys
Thu Jan 15, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 6
Views: 1164

Re: TurboTax Premier now free (for some)

SORRY, phone to Vanguard on 1/8/15. All dates January. I need to go to bed
by Grandpaboys
Sun Jan 11, 2015 12:37 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 4016

Re: TurboTax Premier now free (for some)

It was a guess on Vanguard's part and mine. Maintaining storage is the only difference between ONLINE and DOWNLOADED
by Grandpaboys
Sat Jan 10, 2015 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 4016

Re: TurboTax Premier now free (for some)

I contacted Flagship by phone Thursday 9/8 . Premier online will be $9.99 until 9/9 and then is going up, not known by how much. Premier download will be free for flagship with no change anticipated. Looks like a charge by TT for storage for online.
by Grandpaboys
Sat Jan 10, 2015 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 4016

Re: Traditional Medicare vs Medicare Advantage

When I got cancer 20 years ago I wanted to go to M.D. Anderson Cancer Center in Houston, Texas. Thank goodness I had Original Medicare and a Med-gap plan so I could go anywhere of my choosing. The advantage plans would not cover M.D. Anderson. My case was very serious and went to M.D. Anderson for 1...
by Grandpaboys
Mon Oct 27, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 2636

Re: Should I Sue?

I agree with small claims court.
by Grandpaboys
Fri Oct 24, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3440

Re: Meaning of Important note included in Medicare part D pl

I called back United American Insurance and was told this time that Walmart was a Preferred Pharmacy and pricing was the same as CVS. Guess it depends on who you talk too. I agree there Web Site is not much good. So I am looking elsewhere.
by Grandpaboys
Tue Oct 21, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 2269

Re: Vanguard "glitch"

Same happen to me. Called Vanguard and they put me thru the customize page bit but it did no good.
Agreed to try in the morning and every thing is OK now.
by Grandpaboys
Tue Oct 21, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard "glitch"
Replies: 3
Views: 852

Re: Meaning of Important note included in Medicare part D pl

For my drugs and living in Texas Humana Walmart is always in 4 or 5 position. They are by far not the cheapest.
by Grandpaboys
Thu Oct 16, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 2269

Re: Fraud charges on CC again...

My Chase Freedom Card changed from master card to visa with new account number and a chip. It was not up for renewal. My Chase Amazon visa card has had no changes.
by Grandpaboys
Thu Oct 16, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1640

Re: Meaning of Important note included in Medicare part D pl

I just learned yesterday on a call to United American that Medicare.gov lists Walmart as a preferred pharmacy when it is not. CVS is the preferred pharmacy and has the lowest prices. In my case CVS is 25 miles away where as Walmart is 2.5 miles. They said Medicare is to correct this error but did no...
by Grandpaboys
Wed Oct 15, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 2269

Re: Capital One chip card!

Chase issued me a new chip card and Walmart has the new receiver to handle it. Been using it for over a month.
by Grandpaboys
Wed Oct 15, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1389

Re: Medigap polcies - selecting for first time

I am 86 years old and have had United Teachers Associates since I was 65. Have plan A and now pay $155 per month. I have had cancer, radiation all the stuff you talk about. The only restriction that United Teachers has is Medicare must pay the 80% and then they automatically pay the other 20%. In my...
by Grandpaboys
Sat Oct 11, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap polcies - selecting for first time
Replies: 22
Views: 1542

Re: New Laptop, need help

I purchased a new Dell Laptop with 8.1 with help from my son for specs. The one year warranty is fantastic, just call the 800 number, talk to a tech in India and they fix all your problems. You will have problems with the 8.1 OS it is Microsoft biggest error of the century. I would try and wait for ...
by Grandpaboys
Mon Sep 15, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2354

Re: Medicare Plan D

Plan D is the worst thing to hit seniors get ready to pay thru the nose for the exorbitant prices from the
Drug companies. Problem is there is no way around it.
by Grandpaboys
Mon Sep 08, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D
Replies: 5
Views: 535

Re: Philip Morris International and asset allocation

I started out owning MO back in the early 1990. What a great ride it has been. Still own MO and PM and I am not selling. Have great faith in both stocks and love the dividends.
by Grandpaboys
Mon Sep 08, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Philip Morris International and asset allocation
Replies: 8
Views: 709

Re: Market at a all time high ( Sept 2014) , time to cash ou

In the 15% bracket the taxes would be zero. Money from stock sale would go into current bond funds paying 2-3 %. No loss of income if fact may make a little more income. If anything the large capital gain is eating a hole in my pocket.
by Grandpaboys
Thu Sep 04, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 4110

Re: Market at a all time high ( Sept 2014) , time to cash ou

When I look at my Total Market Index Fund it is up 250%. I have been thinking if I should sell half. What are others doing, I am sure I am not alone?
by Grandpaboys
Thu Sep 04, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 4110

Re: Portfolio advice for Mom at 86 years

Well, I am 86 also and have all my assets at Vanguard. The ER's would make me change in a minute. My AA is 85/15 Bonds/Stocks. Being in the 15% tax bracket i am taking advantage every year of paying -0- % federal tax on capital gains. Having as much in stocks as she does and the the great stock mark...
by Grandpaboys
Tue Aug 26, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for Mom at 86 years
Replies: 23
Views: 1955

Intermediate Gov. Bond INDEX Fund VSIGX

For my emergency money I have been using a Money Market account at a Credit Union paying 1% interest. They have now cut the rate too .6%. I have a hard time accepting this rate and have been examining other choices. Intermediate Gov. Bond Index might be a reasonable replacement with the SEC yield @ ...
by Grandpaboys
Tue Aug 19, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Gov. Bond INDEX Fund VSIGX
Replies: 1
Views: 171

Re: Debit VS Credit Cards Security

Wal-Mart in Texas has Chip and Signature.
by Grandpaboys
Fri Aug 15, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit VS Credit Cards Security
Replies: 19
Views: 1601

Debit VS Credit Cards Security

My local bank has advised that on there Debit/Credit card they will now only accept as a Debit Card with the use of your Pin number. This was done they said for better security. I always thought the Credit Card provided better security for the consumer. Have received a new Credit Card from Chase Ban...
by Grandpaboys
Thu Aug 14, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit VS Credit Cards Security
Replies: 19
Views: 1601

Re: Are hospitals allowed to do this?

It is normal to have bills from hospital, lab and doctor. Maybe you misunderstood and assumed your soft quote covered all three. You will have to decide on what basis your where quoted. However hospitals are negotiable and it would be worth a try to give them your side and see what you can reap.
by Grandpaboys
Tue Aug 12, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 7071

Re: Experience with Snapfon?

Trac Fone I think is cheaper and very easy to use. Take a look at it. It is an excellent emergency phone.
by Grandpaboys
Thu Jul 10, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Snapfon?
Replies: 3
Views: 735

Re: LT Capital Gains

If you are in the 15% tax bracket sell enough to keep you in that bracket each year and pay zero taxes.
by Grandpaboys
Mon Jul 07, 2014 2:28 am
 
Forum: Investing - Help with Personal Investments
Topic: LT Capital Gains
Replies: 4
Views: 491

Re: Neighbor's Fireworks

Next time it happens call 911. It's happened to me with bottle rockets and caught my roof on fire. We have an ordnance against all fireworks. At the time I had a wood shingled roof. It solved my problem.
by Grandpaboys
Sat Jul 05, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4854

Re: Need laptop advice. Lenovo IdeaPad S210 59387503?

Just bought Dell laptop with 8.1. If it wasn't for Dell's tech support service the computer would have been put back in the box and sent back for a full refund. I spent 9.5 hours with 9 techs from India with just a 1-800 phone call and all my problems were resolved and then some. I do not know this ...
by Grandpaboys
Wed May 28, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: Need laptop advice. Lenovo IdeaPad S210 59387503?
Replies: 10
Views: 540

Re: New water heater needed - local plumber or Home Depot, L

My best advice is buy only a Rheem and only a Rheem. I paid my local handyman $100 and he picked up water heater at the local plumbing house with his truck and installed it.
by Grandpaboys
Wed May 28, 2014 7:37 am
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 5161

Re: Your advice, ethical dilemma - job interview.

Looks like you are the man for the Job, good luck.
by Grandpaboys
Fri May 23, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your advice, ethical dilemma - job interview.
Replies: 30
Views: 2723

Re: New PC - Buy Office or use free alternatives

Purchased new Dell laptop 8.1 OS 6 weeks ago. I am no good at this computer stuff. Tried to load Office 2003 and Cannon Printer 3 years old that I had DVD for. Would not work. Under warranty I called Dell tech support and the tech from India installed office 2003 and my Cannon printer. Even burned a...
by Grandpaboys
Mon May 19, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 2224

Re: [Parents thinking about making home loans to children]

Went thou it with both my sons. Neither could live up to our agreement. You have received good advice. Gift rather than lend. Lending creates family problems that you do not want.
by Grandpaboys
Sat May 17, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: [Parents thinking about making home loans to children]
Replies: 18
Views: 1113

Re: Trying to decide between current job and a job offer

When you and your wife decide where you want to live the answer will be in front of you.
by Grandpaboys
Mon May 05, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to decide between current job and a job offer
Replies: 7
Views: 827

Re: Did not have fun this year doing my taxes- TT

I was concerned because of all the changes made to TT. I choose this year not to download info from Vanguard or elsewhere. That has gotten me messed up in the past.While doing my return and answering all the questions I wasn't sure the forms would come out right. I entered everything manually and in...
by Grandpaboys
Tue Apr 15, 2014 2:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Did not have fun this year doing my taxes- TT
Replies: 42
Views: 4750
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