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by Grasshopper
Fri May 08, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 154
Views: 17954

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: 1697

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: 6490

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: 6490

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: 4983

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: 1668

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: 2687

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: 4469

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: 4155

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: 2441

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: 735

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: 1644

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: 3464

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: 6536

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: Investing - Help with Personal Investments
Topic: Where to get medallion signature guarantee
Replies: 49
Views: 5414

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: 4300

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: 4513

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: 8731

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: 8444

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: 3515

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: 4978

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: 344

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: 344

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: 344

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: 1480

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: 1717

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: 10856

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: 4712

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: 5092

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: 4766

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: 3501

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: Investing - Help with Personal Investments
Topic: Where to get medallion signature guarantee
Replies: 49
Views: 5414

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
by Grasshopper
Mon Jan 19, 2015 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Be careful: Turbo Tax and Foreign Tax Credit
Replies: 13
Views: 1879

Re: Be careful: Turbo Tax and Foreign Tax Credit

livesoft wrote:Here is what I do: I know how much I paid in foreign taxes on my funds. I want to get that full amount back no matter what. If I don't get the full amount back, I just go back and answer the questions better until I do get the full amount back.


Well I use this method for my whole return. :beer
by Grasshopper
Tue Jan 13, 2015 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 16
Views: 2217

Re: Changing Passwords with 2factor authentication

bkinder wrote:
bkinder wrote:No problems here. (quicken 2012 Basic, with PC)


Then I will give it a try! Thanks!


I have 2 factor with Vanguard, but only get a message when an unrecognised computer tries to log in. Quicken 2013, using transaction downloads.
by Grasshopper
Mon Dec 29, 2014 7:50 am
Forum: Investing - Help with Personal Investments
Topic: When to sell, December or January?
Replies: 16
Views: 1646

Re: When to sell, December or January?

What year do you want to pay taxes on your withdrawal?
by Grasshopper
Sun Dec 28, 2014 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2570

Re: retirement spending covered by SS

Retired at 54 started SS at 62, pays for 2 nice cruises every year. :beer
by Grasshopper
Sun Dec 28, 2014 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 115
Views: 21262

Re: Quicken 2015 for Windows - Any reviews?

I will wait for Q2013 to sunset in 2016, maybe in might get improved. :greedy Quicken user since 1995.
by Grasshopper
Thu Dec 25, 2014 5:11 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 302
Views: 33162

Re: "Vanguard converting mutual fund accounts to brokerage?

Yes, I see my transactions in Quicken are kinda sorta combined, but no MF and brokerage are two different account numbers. 30 year Vanguard, 10 years Flagship, lots of accounts and complicated transactions, I don't think they want to piss me off. :beer
by Grasshopper
Thu Dec 25, 2014 8:19 am
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 5091

Re: POLL: What are your monthly food expenses?

$365 a person does not include, eating out, booze, pet supplies and food. Does include toiletries, minor household stuff like trash bags, dish detergent.
by Grasshopper
Tue Dec 23, 2014 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Botched Recharacterization?
Replies: 22
Views: 2244

Re: Botched Recharacterization?

Some bond funds threw off some LTCG and STCG this year, a couple of days ago. Check your transactions online.
by Grasshopper
Mon Dec 22, 2014 2:36 pm
Forum: Personal Consumer Issues
Topic: new computer for wireless network
Replies: 22
Views: 1792

Re: new computer for wireless network

Get a usb wireless adapter and plug it into an open usb slot and lose the cable $20-30.
by Grasshopper
Sun Dec 21, 2014 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 25
Views: 3094

Re: What to do if someone is using your home address?

When I lived in Japan in a smallish city far from Tokyo, the post office would sometimes drop through my door any letters hand-addressed in non-Japanese script. Didn't matter the address. All those gaijin must know each other, right? I lived in animal house situation, the postmaster could never tel...
by Grasshopper
Sat Dec 13, 2014 9:17 pm
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 7629

Re: What is the best meal you've had at a restaurant?

Tijuana Taco the old store on York Rd in Baltimore. I had my first date with Ms G, there in 1979. :beer
by Grasshopper
Sat Dec 13, 2014 4:36 pm
Forum: Personal Consumer Issues
Topic: Vanguard/TurboTax purchase experience
Replies: 4
Views: 1103

Re: Vanguard/TurboTax purchase experience

If you have an Intuit account you can delete the auto-purchase, in fact it won't charge you without an additional OK.
by Grasshopper
Fri Dec 12, 2014 7:58 am
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2870

Re: Poll: Your Portfolio Tax Diversification

50% taxable
45% tira
5% roth

Retired now 9 years converting tira to roth for 10 more years.
by Grasshopper
Sun Dec 07, 2014 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 4557

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

Got it $9.99 TurboTax Premier 2014, downloaded and working.
by Grasshopper
Fri Dec 05, 2014 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 15987

Re: Vanguard Turbo Tax prices anounced

Flagship: Federal: Premier online $9.99 desktop $9.99 state included https://personal.vanguard.com/us/insights/taxcenter/qdi/turbotax There is a conflicting information on that page. For example: Premier download is shown as $9.99 (state included), but a few lines down it shows "State $39.99.&...
by Grasshopper
Fri Dec 05, 2014 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rejection!
Replies: 17
Views: 1165

Re: Credit Card Rejection!

One good result is a free credit report if you wanted one. :beer

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