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Re: Last Minute Denali Trip - Where to find lodging?!

I think if you want to stay backcountry in Kantishna a tour company may be your best bet. I think that lodging is locked up for reservations by them, and also pricey.
by Grasshopper
Tue Apr 22, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: Last Minute Denali Trip - Where to find lodging?!
Replies: 13
Views: 965

Re: Baby Boomers: Top 10 Movies

I would include Breakfast at Tiffany's (1961).
by Grasshopper
Fri Apr 18, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2749

Re: Anyone feed the birds?

I am up to 4 nectar feeders now changing daily. I am at 5 species yesterday, Broad-tailed, Broad-billed, Blue-throated, Annas, Rufous. Costas and most male Rufous are already through my area. I bet I have 20-25 hummers coming in, some are already starting to nest. I also have 20 orioles that use the...
by Grasshopper
Sun Apr 13, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Anyone feed the birds?
Replies: 84
Views: 6203

Re: Costa Rica?

We did two weeks in 2012, first week at the edge of Volcan Barva in San Jose dela Montana. Hiked, ziplined, visited coffee plantation, saw the fog in Volcan Poas, went to market in Heredia. Second week on the Pacific coast in the closest room to Manuel Antonio National Park. Breakfast was as good as...
by Grasshopper
Sun Apr 13, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Costa Rica?
Replies: 14
Views: 1397

Re: I saw a "Boglehead" on my flight yesterday!

I already have a coffee mug, but I have another one coming through a FaceBook like.
by Grasshopper
Fri Apr 11, 2014 4:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7669

Re: What to do with cash?

Son, I haven't had a mortgage since I was 40, and retired at 54. In general grasshopper don't like debt. :beer
by Grasshopper
Thu Apr 10, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with cash?
Replies: 16
Views: 2367

Re: Seattle trip at end of May - Any tips?

Go hike Mt Si, (Twin Peaks) Everyone should hike this once in a lifetime. :beer

http://www.wta.org/go-hiking/hikes/mount-si
by Grasshopper
Tue Apr 08, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 22
Views: 1325

Re: Windjammer/Tall ship cruise

We like Un-Cruise Adventures, while not a sailing ship, it is a small ship experience. We did the Alaska inside in June, liked it so much we did a week in Hawaii. In Alaska we were on a 66 passenger ship only one land stop except for hiking glaciers. Stand up boarding, kayaking, hiking, whale watchi...
by Grasshopper
Wed Apr 02, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Windjammer/Tall ship cruise
Replies: 15
Views: 1243

Re: Why is ordered filled at a split penny price point ?

Thanks this has always been a fly in my soup. :beer
by Grasshopper
Mon Mar 31, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why is ordered filled at a split penny price point ?
Replies: 15
Views: 885

Re: Poll: When did you retire? Would you do it all over agai

Retired in 2006 at age 54, was just the right time. I would hate to be out in the workforce in today's climate. :happy
by Grasshopper
Tue Mar 18, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10709

Re: Flagship Rep called me

I always email so I have a hard copy of our thoughts/actions. My Flagship rep has camped out in the mountain behind my home, he knows exactly where I live. He probably wonders how I got to be Flagship. :beer
by Grasshopper
Mon Mar 17, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Flagship Rep called me
Replies: 22
Views: 4288

Re: Cheap ammo

Sorry guys its me I have about 10 bricks of 22LR in the gun safe. My 10/22 is Ms.G's go to for rattlesnake in the yard, and I carry a 911 in 22LR, cause no one will ask if it is a 45 in my holster. As a plus at 2 cents a round I can unload a 10 round mag and not come close to the cost of one 38/357 ...
by Grasshopper
Mon Mar 17, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2228

Re: CA vs AZ drivers license?

As an Arizona resident who has bought rifles in New Mexico from a FFL. I believe that the out of state law applies to handguns only. States that border AZ are OK, so a resident of CA can use CA ID to purchase in AZ everything but handguns.
by Grasshopper
Mon Mar 17, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: CA vs AZ drivers license?
Replies: 8
Views: 766

Re: Investing in stocks--A surprising Google report ?

It must be raining in Bogleland. :beer
by Grasshopper
Sun Mar 16, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 4094

Re: VanguardAdvantage® account

Be sure to have a camera phone to deposit checks online.
by Grasshopper
Sat Mar 15, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: VanguardAdvantage® account
Replies: 2
Views: 795

Re: Rail Cruise

I did a 2 week Alaskan trip. Fairbanks to Denali by luxury rail. Than Denali to Anchorage by luxury rail. Flew to Juneau picked up A small 66 passenger cruise ship. 7 days inner coves to Ketchikan. We use Un-Cruise Adventures. loved the entire trip. http://www.un-cruise.com/alaska-cruises
by Grasshopper
Tue Mar 11, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Rail Cruise
Replies: 16
Views: 1531

Re: How did you get through the market crash in 08-09

For me the stars were in perfect alignment. I had retired in 2006, at the time MMF were paying 5% which was all I needed to make my numbers work. I never take anymore risk with money than I have too. I also downsized my home in 2006 at the top of the RE market. I just happen to be sitting on lots of...
by Grasshopper
Mon Mar 10, 2014 9:29 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5454

Re: How Much of Tax Refund Do You Save/Spend..??

EFTPS out of Vanguard MM, direct deposit in, simple.
by Grasshopper
Sun Mar 02, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much of Tax Refund Do You Save/Spend..??
Replies: 68
Views: 2420

Re: Discover Card - one or two FICO scores on joint account?

My FICO score was right on my online joint statement Chrome browser, ordinary Discover first time this month.
by Grasshopper
Fri Feb 28, 2014 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Discover Card - one or two FICO scores on joint account?
Replies: 17
Views: 1167

Re: Vacation - Hawaii, Mexico, other ideas?

I did a REI trip to the Sea of Cortez in Mexico loved it. Returned Sunday from 10 days in the Hawaiian Islands on a small boat 29 person yacht, unbelievable. Pacific side of Costa Rica can be a fun spot Quepos in particular, easy travel distance from San Jose. :beer
by Grasshopper
Tue Feb 18, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3191

Re: Access to Cash in Rural AZ - High ATM Limits?

All I will say living in mirco-rural AZ, gun safe. :moneybag
by Grasshopper
Sat Feb 01, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Access to Cash in Rural AZ - High ATM Limits?
Replies: 7
Views: 858

Re: Social Security name confusion

I could't signup for SSA benefits on line, called my local office an hour away. I seems that the hospital I was born in was annexed years later so I was now born in another city. You live, you learn. :oops:
by Grasshopper
Fri Jan 31, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security name confusion
Replies: 35
Views: 1874

Re: Market timing failures stocking up on specials?

I can never figure out why the level of those fifth bottles of Old No. 7 went down and the tax stamps were intact. :oops:
by Grasshopper
Fri Jan 31, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Market timing failures stocking up on specials?
Replies: 26
Views: 2014

Re: Offered a Visa CC credit line increase - take it?

I just realized that I blew my credit score, when I went over the 10% available limit to pay for some travel. I don' really care because, I just paid cash for my last vehicle, and live the life of a retired bum. So the more credit the better, just don't use it all.🏧🏧
by Grasshopper
Fri Jan 24, 2014 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Offered a Visa CC credit line increase - take it?
Replies: 12
Views: 1107

Re: Check Rejected Due to Low Number

In Ye Olde Days you would occasionally see newspaper pieces about banks honoring checks written on watermelons or other amusingly inconvenient surfaces. In theory, simply writing out "Merchant's Trust Bank of Winnemac pay to the order of Chum Frink the sum of twenty three & 15/100" an...
by Grasshopper
Fri Jan 24, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Check Rejected Due to Low Number
Replies: 56
Views: 3627

Re: Owning Wellington & Wellesley

I use Wellesley for most of our tax-deffered, tax free allocation, with a little extra TBM for rebalancing.
In our taxable we are 60% Total US, 40% Total World, for no/low capital gains, foreign tax credit. Retired so I take taxable dividends and don't reinvest.
by Grasshopper
Mon Jan 20, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Owning Wellington & Wellesley
Replies: 30
Views: 4103

Re: SS numbers and identity theft

I live in a town of 200+/- on the season, 3 here share first and last names, luckily I am the deadbeat of the trio. When you use a credit car they have your name already, but they do not know which John E. Smith you are out of the thousands of people with that name since they can't normally get that...
by Grasshopper
Sun Jan 19, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: SS numbers and identity theft
Replies: 39
Views: 2870

Re: Seems odd that tax documents aren't available sooner

No hurry here, I need to recharacterize some Roth conversions anyway. Really got hit with some non-qualified dividends this year.
by Grasshopper
Sun Jan 19, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seems odd that tax documents aren't available sooner
Replies: 39
Views: 2876

Re: vanguard quality of service

Vanguard gives me excellent service. Disclaimer Flagship status longer than I can remember, and my voice is my password. There was one time in '90's when you had to connect on line through AOL..........
by Grasshopper
Thu Jan 16, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: vanguard quality of service
Replies: 63
Views: 3946

Re: Do you invest in a taxable account?

Splitting my investments 50/50 taxable to tax free or deferred let me retire at 54.
by Grasshopper
Tue Jan 07, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7199

Re: What was your 2013 return?

Vanguard says 15.8% 62/32/5, cash is high, but I have my 2 years living expenses ready to go.
by Grasshopper
Wed Jan 01, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8535

Re: Who is lump-summing a fund on January 2, 2014?

Already did a bunch of Wellesley yesterday after the distribution last week.
by Grasshopper
Tue Dec 31, 2013 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 4222

Re: Help me retire at age 48

Geeez, I thought I needed to write you a check.
by Grasshopper
Mon Dec 23, 2013 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me retire at age 48
Replies: 12
Views: 2034

Re: Roth Conversion vs Tax Gain Harvest

Take the LTCG, take the conversion, but be prepared to recharacterize before filing.
by Grasshopper
Tue Dec 10, 2013 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion vs Tax Gain Harvest
Replies: 15
Views: 1056

Re: Dividends... when will we know how much?

I have been known to sell before the dividend to take my gain as LTCG. YMMV
by Grasshopper
Tue Dec 10, 2013 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends... when will we know how much?
Replies: 29
Views: 3108

Re: dishwasher vs manual dish washing

I hand wash, but pee outside to compensate for the additional water use. :beer
by Grasshopper
Fri Oct 11, 2013 9:00 pm
 
Forum: Personal Consumer Issues
Topic: dishwasher vs manual dish washing
Replies: 54
Views: 4030

Re: Quicken and Vanguard - Download Problem

Just for grins, I downloaded from Vanguard and one user name got changed to caps, so of course got rejected. Edit the account and is working find this PM.
by Grasshopper
Wed Oct 02, 2013 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 15487

Re: Quicken and Vanguard - Download Problem

You can go to the Vanguard web page that shows all your accounts/funds (Balances and Holdings) and there is a download link in the upper right. This has a Quicken option. This work fine, but I think the interface is a little confusing since VG treats each fund as a separate account (sort of). So, y...
by Grasshopper
Mon Sep 30, 2013 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 15487

Re: Android Tablet

I really like my Nexus 7(2012). I use a $12 Bluetooth dongle to transfer files back and forth to my laptop. OTG works OK also.
by Grasshopper
Fri Sep 13, 2013 8:57 am
 
Forum: Personal Consumer Issues
Topic: Android Tablet
Replies: 42
Views: 3349

Re: Anyone feed the birds?

Thanks for the tip. I actually meant more birds as in more hummingbirds, not species. My feeder is in a location where people can walk so I may have to put some newspapether underneath. Hi Bill, I chose my retirement home in SE Arizona mountains to live among the 15 or so species of hummers that we...
by Grasshopper
Tue Aug 20, 2013 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Anyone feed the birds?
Replies: 84
Views: 6203

Re: Dr. Wade Pfau on the 4% Rule

Here's a compromise... Retire when 3% can cover your basic necessities, and 4% gives you 3 nice vacations and some spending money a year. Then spend the 4% and enjoy your life... If you end up retiring into a 30-year period WORSE than the Great Depression, then you don't go on vacation and thank yo...
by Grasshopper
Wed Aug 14, 2013 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau on the 4% Rule
Replies: 124
Views: 9900

Re: VTI / VXUS Dividend

VXUS like a lot of international funds used to only have December one time dividend distributions. However, in 2012 vanguard announced that they would be shifting VXUS to quarterly dividends like their domestic funds. They stated that it would only start in September, thus why 2012 had September an...
by Grasshopper
Fri Aug 09, 2013 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: VTI / VXUS Dividend
Replies: 7
Views: 1108

Re: VTI / VXUS Dividend

VXUS only had a Sept and Dec, distribution in 2012. So far this year it has had quarterly dividends, March, and June. Could be because in was new in 1/2011, and distributions did not start until the funds EOY. Not a lot of realized gains so I would not expect any capital gains, in 2013, but anything...
by Grasshopper
Fri Aug 09, 2013 11:08 am
 
Forum: Investing - Theory, News & General
Topic: VTI / VXUS Dividend
Replies: 7
Views: 1108

Re: Jersey Shore, Anyone?

1969 Point Pleasant, Whiter Shade of Pale, over and over again on the jukebox. On my way to Woodstock, and ran into a surfer girl. Never made it to Woodstock, spent the summer hiding on her Grandpa's boat. Wow summer was never any better after that.
by Grasshopper
Sat Aug 03, 2013 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Jersey Shore, Anyone?
Replies: 28
Views: 2133

Re: Alaska Cruise Ideas

In June Ms G and I did the Eastern Coves Juneau to Ketchikan on a small ship with Uncruise on the Wilderness Discoverer. The ship and trip were seeing Alaska like a big ship can't experience. It was a very active adventure with only one port Wrangell. We were able to kayak in the morning and hike so...
by Grasshopper
Fri Aug 02, 2013 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Alaska Cruise Ideas
Replies: 24
Views: 1119

Re: 83% increase on car insurance !!!

I find it important to shop auto and house insurance, every 2-3 years. I seem to get teaser rates that increase in that time frame.
by Grasshopper
Wed Jul 31, 2013 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: 83% increase on car insurance !!!
Replies: 23
Views: 2605

Re: Tried to get credit report - security questions don't ma

With all the bank takeovers it is hard to answer who you had a loan from. A hint I always write down in a file the questions and the the answer that was accepted. I have had street names changed (Pheasant Run to Lark), town names changed (Green Acres to Spokane Valley). Once I was asked for a 30 yo ...
by Grasshopper
Mon Jul 29, 2013 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 53
Views: 6119

Re: A tablet can replace a computer

I bought a Nexus 7 a couple of months ago, love it. I now have my laptop as financial stuff only. I do all my surfing on my tablet. In the cloud I can print, work on spreadsheets on Google drive, save maps. While traveling, use GPS to find my way around, and find close by eats and things to do.
by Grasshopper
Sat Jul 27, 2013 1:02 pm
 
Forum: Personal Consumer Issues
Topic: A tablet can replace a computer
Replies: 57
Views: 5822

Re: 30 years at Vanguard

1984 with me, Windsor was my first financial purchase, along with Prime Portfolio MM. I never could imagine paying a load,still can't.
by Grasshopper
Thu Jul 11, 2013 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: 30 years at Vanguard
Replies: 19
Views: 2910
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