Search found 685 matches

by Grasshopper
Sun Jul 26, 2015 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 25
Views: 1783

Re: Unequal estimated tax payments

JustinCC wrote:I always just pay based on what I made the quarter i'm paying in


+1 I usually get $200 refunded which I let go to the next year. All other est payments are based on the quarters gain/loss income, until the 4th and than I just make sure safe harbor is reached. :beer
by Grasshopper
Sun Jul 26, 2015 6:30 am
Forum: Personal Finance (Not Investing)
Topic: E-Statement Alert Gone for Chase Credit Card
Replies: 46
Views: 2410

Re: E-Statement Alert Gone for Chase Credit Card

Either I'm a gullible old geezer or you guys are paranoid. I have auto pay set up on all three of our credit cards and allow the card companies to pull the full balance every month. We also have auto pay set up for gas, electric, water, HOA dues, Dish Network, home and car insurance, and trash. We ...
by Grasshopper
Wed Jul 22, 2015 6:40 am
Forum: Personal Consumer Issues
Topic: El Paso into Juarez - Day trip w/ family - Safe and practical?
Replies: 32
Views: 2774

Re: El Paso into Juarez - Day trip w/ family - Safe and practical?

West of EP and an hour and a half away south of Columbus NM is Puerto Palomas. This would be a nice family experience in Mexico. Columbus is nice also lots of history Pancho Villa State Park, contains extensive historical exhibits which depict this raid, the first armed invasion of the continental U...
by Grasshopper
Sun Jul 19, 2015 6:56 am
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 37
Views: 6550

Re: A retiree's personal experience...

I retired at 54 in 2006, sold my home at the top of the market, bought my new home at the top of the market. I was sitting on a bunch of cash from the home sale, remember 5% MMFs, so I did OK in 2007. I don't have a SWR but back figuring averages around 2.5%. My portfolio is up 25% from the day I re...
by Grasshopper
Sun Jul 19, 2015 6:38 am
Forum: Personal Consumer Issues
Topic: Tipping at pay-first restaurants: what would you do?
Replies: 35
Views: 3293

Re: Tipping at pay-first restaurants: what would you do?

Buffets come to mind, if someone cleans off dishes while I fill my belly, a buck a head.
by Grasshopper
Fri Jul 17, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Medicare Rx at Costco
Replies: 8
Views: 665

Re: Medicare Rx at Costco

Still 6 months away Medicare, I am thinking Plan D Humana through WallyWorld. If I have to pay more than $4 for my levothyroxine while on MC I will just scream bloody murder. :annoyed
by Grasshopper
Fri Jul 17, 2015 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax backup to cloud discontinued for desktop version only
Replies: 3
Views: 369

Re: Turbotax backup to cloud discontinued for desktop version only

This is the straw that broke the camels back. Turbo Tax never again. :annoyed
by Grasshopper
Thu Jul 16, 2015 9:08 pm
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 3713

Re: What to do with bill received for prior homeowner

We always leave 3 big manilla envelops with a bucks worth of stamps and our new address on them. Of course we trust the post office, maybe get 2 back.
by Grasshopper
Wed Jul 15, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: Trip to Montreal Canada
Replies: 21
Views: 1618

Re: Trip to Montreal Canada

I guess the Underground City is a given for any trip to Montreal. :beer

https://en.wikipedia.org/wiki/Undergrou ... ,_Montreal
by Grasshopper
Tue Jul 14, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3321

Re: Beach getaway recommendations please

Another fan of Costa Rica's western coast we like Quepos,and Manuel Antonio National Park. In land we liked Heredia, Poas Volcano NP. And Imperial beer. :beer
by Grasshopper
Tue Jul 07, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 Problems
Replies: 9
Views: 771

Re: Quicken 2015 Problems

Thanks my Q 2013 sunsets next spring, I will probably pass on the latest and greatest version of Q. Already working on an excel replacement. :beer
by Grasshopper
Thu Jul 02, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: Car Dealerships - is this bad service?
Replies: 21
Views: 2481

Re: Car Dealerships - is this bad service?

My GMC dealer has been in business since 1912, gee I wonder why. :beer
by Grasshopper
Sat Jun 27, 2015 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4937

Re: are these legit Vanguard reviews?

I have been doing business with Vanguard for 30+ years I have the birthday card and coffee mug to prove it. I believe I have done every conceivable transaction you can think of. Employee stock transfers, recharacterizing roth IRAs, 401k rollovers, 8 different accounts. This year I had a direct trans...
by Grasshopper
Wed Jun 24, 2015 6:35 am
Forum: Personal Finance (Not Investing)
Topic: New CapOne 360 savings offer
Replies: 9
Views: 1677

New CapOne 360 savings offer

I had been waiting for a deal on a saving bonus with Discover or CapOne here it is. $500 for a deposit of $50000 for 90 days. :moneybag

[Link removed by admin LadyGeek, see below.]
by Grasshopper
Tue Jun 23, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: "Phantom" Tipping
Replies: 68
Views: 11175

Re: "Phantom" Tipping

I had the opposite happen to me recently. Paid at a local restaurant with my credit card and filled in a 15 percent tip on the merchant copy of the bill. On my CC statement I was only charged for the meal. I don't know who lost out, the waitress or the ownership. I guess I'm not "honest" ...
by Grasshopper
Fri Jun 05, 2015 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Does too high initial house asking price kill chance at selling house?
Replies: 50
Views: 4904

Re: Does too high initial house asking price kill chance at selling house?

Consider some alternate approaches. We sit on 13 acres and all appraisals put near zero value on land over 1 acre. We are surrounded by a nice development and have been approached by several neighbors to contact them if we ever decide to sell. All want to purchase land to expand their back yards an...
by Grasshopper
Mon Jun 01, 2015 9:38 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 162
Views: 14589

Re: Free Windows 10 Upgrade, Yes or No?

I may get W10 and load it before I buy Quicken 2015 or whatever version is out in spring of 2016, when my Qkn 2012 sunsets.
by Grasshopper
Fri May 08, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35370

Re: much ado about coasting (through life)

While everyone else strived to maintain their Type A personalities. I tried my darndest to maintain a Type Z like in ZZZZZZ personality. Now where are those darn ants. :beer
by Grasshopper
Wed Apr 29, 2015 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting While in 15% Bracket?
Replies: 21
Views: 1878

Re: Tax Gain Harvesting While in 15% Bracket?

I do with about 50K in gains yearly, resetting my cost basis if a Black Swan were to fly by. Also after RMD's in a few years, I will be out of the 15% bracket if I need to sell some of my investments, even with doing some tIRA to ROTH conversions. :beer
by Grasshopper
Tue Apr 28, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 7060

Re: Who's holding cash?

InQuiSiToR_187 wrote:
Grasshopper wrote:I have 3 times the amount in cash that I could have bought my first house with. :oops: Except it is only 3 years expenses without returns. :beer

no returns,
how do you feel about that?


I have 3 years expenses in cash even if I didn't make a dime in the market. :sharebeer
by Grasshopper
Tue Apr 28, 2015 4:48 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 7060

Re: Who's holding cash?

I have 3 times the amount in cash that I could have bought my first house with. :oops: Except it is only 3 years expenses without returns. :beer
by Grasshopper
Mon Apr 27, 2015 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 5362

Re: Feel like I made a mistake with buying a house: apprecia

Sold a home in 2006 and made 300 % profit I must be smart heh. Bought a house in 2006 which is worth half of what I paid for it, I must be dumb heh. Sold at the top of the market and bought at the top of the market, silly me. :beer
by Grasshopper
Sat Apr 11, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1847

Re: protecting passport from damage

I did a sea kayaking trip out of the country and had to carry valuables and a passport. I bought a dry bag that fit a passport and currency on a cord you could wear around my neck. I now use it even when I an off the water traveling. http://www.amazon.com/Seattle-Sports-Waterproof-Passport-Case/dp/B...
by Grasshopper
Sun Mar 22, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Percent of gross income on hobbies
Replies: 26
Views: 2829

Re: Percent of gross income on hobbies

Bird watching is my biggest hobby expense, Quicken says I spent $!500 feeding the birds last year. Now guns for me are only tools, just this morning I took my 1911-22 out of the cabinet for my morning dog walk, cause it is officially rattlesnake season. But if if was going to a gunfight I would take...
by Grasshopper
Thu Mar 19, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4686

Re: Vanguard - The New Bond King - WSJ

Nice, thanks for sharing. :beer
by Grasshopper
Fri Mar 13, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: Capital One seemed happy to lose me as a customer?
Replies: 24
Views: 4391

Re: Capital One seemed happy to lose me as a customer?

AddingUp wrote:If you made your decision and were happy with it, you should be glad the rep didn't keep you on the phone any longer than necessary. I wouldn't take issue with that. Consider yourself lucky…unless, of course, you wanted someone to talk you out of your decision!


+1
by Grasshopper
Tue Mar 10, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Benefits of Flagship
Replies: 24
Views: 2667

Re: Benefits of Flagship

Free VanguardAdvantage, saves me $30 over Select. As a cash management service it really makes the day to day stuff seamless. :beer
by Grasshopper
Sun Mar 08, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Issue with ordering new Chevrolet truck
Replies: 6
Views: 780

Re: Issue with ordering new Chevrolet truck

Sales incentives are usually in place to move existing inventory. Since there is no inventory "problem" they are trying to solve with a custom order, there is no incentive for them to offer you a discount. Can you find a truck that has all the features you want, even if it has some featur...
by Grasshopper
Sat Mar 07, 2015 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 18
Views: 1761

Re: Turbo Tax /?estimated taxes payments for 2015 ??

TT has for years filled out estimated taxes for me, I ignore them and pay quarterly as I receive dividends, or capital gains, never a penalty.
by Grasshopper
Sat Mar 07, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: What's with VG Complaints???
Replies: 42
Views: 3835

Re: What's with VG Complaints???

By golly I have been totally Vanguard for 30+ years yea I got the birthday card and I have the coffee cup. I have been online with Vanguard from day one, who remembers the day when Vanguard would only connect online with them through America on Line. Vanguard has been very very good to me, no compla...
by Grasshopper
Thu Mar 05, 2015 7:09 am
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 8297

Re: What is your credit score?

Over 800 haven't had a mortgage for 15 years or a car loan for over 25 years, retired now for 9 years. :beer
by Grasshopper
Tue Mar 03, 2015 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get medallion signature guarantee
Replies: 56
Views: 9239

Re: Where to get medallion signature guarantee

I got a recent MSG at a grocery store branch at Wells Fargo, no problem. I was transferring some shares to Vanguard and ComputerShare was the one that wanted the MSG. Vanguard concierge service said they could work with me if I could not get a MSG, so there must be some leeway there.
by Grasshopper
Mon Mar 02, 2015 6:41 pm
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 4584

Re: Retiree Poll: Satisfaction with retirement

Retired 9 years now spend my days doing everything Ms.G wants me to do. Oh that and drinking beer. :beer
by Grasshopper
Mon Mar 02, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4942

Re: Oil & Vinegar

+ one on a good walnut oil, I use Trader Joes, white balsamic vinegar, sprinkle on top right out of the bottle add some italian spices salt and pepper to taste.
by Grasshopper
Tue Feb 24, 2015 5:34 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 9647

Re: Guns for hunting/defense

I don't hunt, but like my guns. On a late night call from a neighbor in need I would carry a S&W model 66 4 inch .357 and a cowboy lever action in .357 too. :beer
by Grasshopper
Tue Feb 24, 2015 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 95
Views: 9102

Re: Vanguard brokerage tax forms changed to late Feb. questi

Vanguard consolidated form 1099b was up for me this afternoon AZ time. :beer
by Grasshopper
Sun Feb 22, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 5460

Re: Are banks required to deposit third party endorsed check

By jolly I remember the days when the liquor store or grocery had blank bank checks you filled out with your account number and the store would deposit them. They are still trying to get me to sign the back of a check for deposit, no way FOR DEPOSIT ONLY and my account number thats all they get. :beer
by Grasshopper
Sat Feb 14, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 5426

Re: Recommend a movie for a lonely Boglehead on Valentine's

Gotta be "Gone Girl", you will be glad you are single. Ms G is already plotting her revenge. :beer
by Grasshopper
Sat Feb 14, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: You can now use Vanguard 2-step verification with Quicken an
Replies: 4
Views: 371

Re: You can now use Vanguard 2-step verification with Quicke

Sorry I don't think I answered your question. Until now you could set up 2 step and select don't use on recognized computers. Quicken would download into your recognized computer. Now you can select ask for 2 step on every log on, and Quicken and Turbo Tax only, are allowed around the verification.
by Grasshopper
Sat Feb 14, 2015 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: You can now use Vanguard 2-step verification with Quicken an
Replies: 4
Views: 371

Re: You can now use Vanguard 2-step verification with Quicke

I think that was the problem before Ms G received an email 2/12 saying Quicken and TT were able to somehow circumvent 2 step by downloading transaction through Quicken. I went in to Vanguard and changed my 2 step to everytime I log in, updated through Quicken and it works.
by Grasshopper
Sat Feb 14, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: You can now use Vanguard 2-step verification with Quicken an
Replies: 4
Views: 371

You can now use Vanguard 2-step verification with Quicken an

You can now use Vanguard 2-step verification with Quicken and TurboTax. Thats it.
by Grasshopper
Mon Feb 09, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Deposit - Receipt
Replies: 21
Views: 1608

Re: Bank Deposit - Receipt

Wells Fargo emails me a receipt with a photo of the deposit, big checks I always make a copy before it's deposited. Cash I never have.
by Grasshopper
Sun Feb 08, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: Glasses turn around time and cost
Replies: 19
Views: 1978

Re: Glasses turn around time and cost

I get my glasses made in Mexico, eye check pick out a frame go to lunch have 2 cervezas go back and they are done. :beer
Flexon Titanium frames and progressive lens $160 US dollar.
by Grasshopper
Mon Feb 02, 2015 9:14 pm
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 11434

Re: Approaching 50...What to expect?

If you are married watch your wife go through menopause .......... at a distance. :beer
by Grasshopper
Mon Feb 02, 2015 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 5027

Re: Do retired Bogleheads have rising net assets?

Also retired in 2006 @ 54, SWR around 2%, we don't really track it because we only spend 2/3 of our projected income. We are @ 125% of our 2006 net worth, not counting home value. :beer
by Grasshopper
Mon Feb 02, 2015 7:40 am
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 51
Views: 5430

Re: Can doctors charge more than co-pay?

I think insurance is a big shell game. Before I had a colonoscopy I checked that everyone that I dealt with was in-network. Well the pathologist who was in-network looked at my slides at the hospital instead of his office, which put it out of network. I am still waiting for a resubmit. I always wond...
by Grasshopper
Sun Feb 01, 2015 7:24 pm
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 5042

Re: Good Wines

$9-$12, is to rich for my blood, I like Bota Old Vine Zin about $5 a bottle from 3ltr box, but coupons are around, and Twisted OVZ about $6 a bottle in the magnum. :beer
by Grasshopper
Fri Jan 30, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3614

Re: Scottsdale, AZ - what to do?

Don't go to Sedona, you will fall in love and dream about retiring there. :beer
by Grasshopper
Fri Jan 23, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get medallion signature guarantee
Replies: 56
Views: 9239

Re: Where to get medallion signature guarantee

A Wells Fargo branch in a grocery store did mine. I do have an account with them. :beer

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