Search found 827 matches

by Grasshopper
Sat Dec 16, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 62
Views: 5745

Re: Year end review with less nerdy spouse

I have all the families investments in Vanguard or have them set up as outside accounts. So I log in show her the 10 year performance of our investments in a chart, she looks at the chart looks at the balance says good job, voila. :beer
by Grasshopper
Fri Dec 15, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Home owner liablity questions - parcel delivery
Replies: 16
Views: 1313

Re: Home owner liablity questions - parcel delivery

Yikes, this time of year UPS is coming to the ranch in the dark, drives through 2 gates and a quarter mile of 2-track. Last week on a freeze warning night he delivered some pet meds right to our door instead of leaving in a bin for late night drops. Gotta love them, at least the rattlesnakes are all...
by Grasshopper
Fri Dec 15, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?
Replies: 26
Views: 2287

Re: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?

We retired in 2006 ages 54/50 I have used Quicken for years and knew where every penny went. We downsized to a quiet rural place and thought our budget was in place. Well 2007 came and went along with a big pot of our money. But our expenses were low and we came out of it in great condition. When I ...
by Grasshopper
Thu Nov 23, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card Change in Terms
Replies: 28
Views: 2960

Re: Discover Card Change in Terms

Another 1986 Discover card member, I only use Discover for the 5% categories and Chase Freedom seems to use the same categories some quarters so I had not been using the card much. So in the mail I get the Discover it card can't remember the explanation this past summer. Includes all the goodies lik...
by Grasshopper
Tue Nov 21, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 10557

Re: What are the things you want to do between 55 and 65?

Ms G. and I retired in 2006 ages 50 and 54, I am now 66 bought a rancho 30 miles from Mexico. We are both active, hiking, running, walking, have lots of critters to keep us busy. Currently we only take active trips, cruising on small ships, kayaking, snorkeling, hiking. We are also starting walking ...
by Grasshopper
Fri Nov 10, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 4521

Re: What is the difference between retiring and resigning from a job?

Retiring meant I got a $50 gift card to the restaurant of my choice. :beer
by Grasshopper
Tue Oct 31, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Global Market Portfolio as a single ETF?
Replies: 28
Views: 1795

Re: Global Market Portfolio as a single ETF?

GAA, 27 stocks, VT, 7,974 stocks, like comparing the Dow 40 to the S&P 500.
by Grasshopper
Mon Oct 30, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Cabo San Lucas - question
Replies: 34
Views: 3790

Re: Cabo San Lucas - question

Would you consider an all-inclusive with different restaurants on site or would you rather be more independent? Do you want child care or youth programs? There are dozens of resorts on the beach so it comes down to what you want. Activities for kids: boat trips, they should be able to snorkel at th...
by Grasshopper
Tue Oct 24, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Planner Recommendations
Replies: 5
Views: 666

Re: Tax Planner Recommendations

Gee if you already track your investments build 2 more spreadsheets. Use 1040 form to link from your investment income to each line on a 1040. You will also need a Qualified dividend Capital gains worksheet each line coordinated to the 1040 spreadsheet. I never had an Excel/ Google sheets background...
by Grasshopper
Sat Oct 21, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4043

Re: Why not switch from Medigap F to G now?

Grasshopper wrote: Called BCBS of AZ they said they can do the change no problem, no underwriting. I have an appointment next week I will do the change after that. Be careful with BCBS. They left AZ previously. I changed from United to Aetna for my Plan N and saved $23 per month and now paying $94....
by Grasshopper
Fri Oct 20, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4043

Re: Why not switch from Medigap F to G now?

Called BCBS of AZ they said they can do the change no problem, no underwriting. I have an appointment next week I will do the change after that. :beer
by Grasshopper
Thu Oct 19, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 37
Views: 2522

Re: Data Use on Smartphones

I have a LTE phone and live in the boonies and 90% of the time I use it on wifi, one thing I do to inadvertently not use data is to leave it on airplane mode.
by Grasshopper
Sat Sep 09, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: How many funds in your retirement accounts?
Replies: 56
Views: 4956

Re: How many funds in your retirement accounts?

One Wellington a across all tira and Roth, Ms. G and myself.
by Grasshopper
Tue Aug 22, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2408

Re: Can you recommend a good mouse trap?

Please no poison or sticky traps. A snap trap is quick and efficient, poison you never know where it may die and stink up your home.
by Grasshopper
Sat Jul 22, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 2177

Re: AnnualCreditReport Equifax

If you have difficulty answering those tricky identity verification questions, then a workaround is to sign up for a paid version, and then they make the identity verification questions much easier. :wink: To add on to this thought I had problems with Equifax couldn't get a report, paid $7 and boom...
by Grasshopper
Sun Jun 04, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 10012

Re: Please explain how Medicare Billing works?

I had this happen, my billing was for annual at 9 months into MC by my GP, I called they billed it as welcome, all is good.
by Grasshopper
Fri May 26, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 5007

Re: Mexican Pacific Beaches

no one has mentioned zihuatanejo, which is quite idyllic. next to ixtapa if you want a more touristy center. I've also heard good things about loreto, which is very small. 2 thumbs up for Loreto, not really touristy. Great sea kayaking, find a boat to the outer islands for great snorkeling. Cabo Sa...
by Grasshopper
Fri May 26, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 50
Views: 5508

Re: Septic Pumping - Did I get ripped off?

Last month $325, 2 500 gal. tanks had to spend 1 hour stirring 300 gal, of water to get the waste moving. I dug the lids out myself, first time in 11 years, yea I know. :oops: Rural Arizona.
by Grasshopper
Tue May 23, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 3719

Re: Medigap Insurance Plans

Thank you Zott for the internet connection to: https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx That was quite helpful. Last December I changed from United Healthcare to Aetna. Aetna offered Plan N for $23 less. Though I stayed with Plan N, I had to undergo underwriting in December ...
by Grasshopper
Fri May 19, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3416

Re: Chandler, AZ

Just a stupid point west of 10 is Phoenix/Ahwatukee, east of 10 is Chandler, they are the same but not.
by Grasshopper
Mon May 08, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: sprouting at home and organic broccoli seeds?
Replies: 10
Views: 1201

Re: sprouting at home and organic broccoli seeds?

We buy these seeds, https://www.vitacost.com/handy-pantry-organic-broccoli-sprouting-seed We use these jars http://www.vitaminlife.com/index/page/product/product_id/76995/product_name/Sprouting+Jar+with+Lid?gclid=Cj0KEQjwrsDIBRDX3JCunOrr_YYBEiQAifH1FkrKN2YPvuR5GurqwJAOvhJ8g31D-jPeFVezvEnTMFYaAhGr8P8...
by Grasshopper
Sat May 06, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 4742

Re: Best salads

I use a mandolin and julienne fresh red beets, sprout my own broccoli seeds, raw pumpkin seeds, and avocado, radishes are another cruciferous vegetable along with arugula. Garbanzo beans.
by Grasshopper
Sat Apr 29, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 1507

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

If you live in Arizona you can get lab tests without a doctor's order, seems like one way to go. HEALTH PROFILES – TEST PACKAGES Expanded Health Profile – includes Comprehensive Metabolic Panel & Lipid Panel – F (780086) $ 37 Comprehensive Metabolic Panel (CMP) – F (900323) $ 17 Men’s Complete Healt...
by Grasshopper
Mon Apr 03, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 3193

Re: Medigap Plan F Increases

BCBS medigap F in Arizona increased 5% from $159 to $167.
by Grasshopper
Wed Mar 29, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 110
Views: 17737

Re: Where to buy a Vanguard hat? An Update and bad news

Glad I just received my replacement free coffee mug. That's # 3. :beer
by Grasshopper
Sun Mar 19, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58609

Re: Quicken's future direction - a cause for concern

Long time Quicken user Q2016, If I pull the plug today on downloads now what is the chance that Q won't be able to ask for authentication, or stop me from manually inputting data. Is it possible that past updates already have their scheme in place and we are doomed.
by Grasshopper
Sun Mar 19, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 835

Re: Vanguard bank account authorization for joint brokerage account

I had something similar happen with CapOne and Vanguard. So I just had CapOne push it rather than Vanguard pull the transaction.
by Grasshopper
Sat Mar 18, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 4951

Re: Investing in - WATER - thoughts

I live in SE Arizona Cochise county, I am blessed to live 1/2 mile from a 100K+ acre wilderness. My well is fed from snow melt and 17+ inches of rain a year. There has been a lot of interest in pecan growing lower in the valley, some big money is buying up large ranches, including Howard Buffett. ht...
by Grasshopper
Sat Mar 18, 2017 7:08 am
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 40
Views: 4790

Re: VWELX [Vanguard Wellington]

We use Wellington in our tax advantaged accounts and Total World (VT) in our taxable, and a bunch of cash.
by Grasshopper
Sun Mar 12, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 34
Views: 4028

Re: Vanguard Yubikey-only option?

I seem to be missing something, I have SMS 2 factor on my Vanguard accounts. I also use a U3F key on my account except for the time I registered my key I have never received a SMS just insert the key touch it and I am on. I also use the same key for Google which I hope secures my acct and gmail. y ...
by Grasshopper
Sun Mar 12, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 34
Views: 4028

Re: Vanguard Yubikey-only option?

I seem to be missing something, I have SMS 2 factor on my Vanguard accounts. I also use a U3F key on my account except for the time I registered my key I have never received a SMS just insert the key touch it and I am on. I also use the same key for Google which I hope secures my acct and gmail. y t...
by Grasshopper
Sun Mar 12, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Any Chromebook experts?
Replies: 21
Views: 5477

Re: Any Chromebook experts?

Try clicking file "all apps" in the app window, than click on the app/file hold it down and drag and move from there.
by Grasshopper
Mon Feb 27, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Why not to do ROTH Conversion
Replies: 29
Views: 3620

Re: Why not to do ROTH Conversion

All this assumes that my conversions can stay ahead of the TIRA gains. Unfortunately, NOT, it has been a little difficult recently to keep the TIRA balance from increasing despite substantial conversions. is this sarcasm or are you seriously objecting to having growth in your TIRA? If so, you are m...
by Grasshopper
Thu Feb 23, 2017 8:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 12564

Re: Vanguard opens special offices for $1 million clients

I was talking to my FS rep one day and he knew my address. Well my zipcode is bigger than all of Delaware, so he asked just where it was I lived because he had done some backpacking in the area. When I told him where in the mountains I lived he said Oh yea I camped near your backyard once. :beer
by Grasshopper
Fri Feb 17, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 6218

Re: Vanguard Web Site Down?

I had TurboTax download my Vanguard consolidated in the morning Thursday and my 1040 filed by noon. I was really all done except the foreign tax credit on February 1. Thursday after lunch I went to my Wells Fargo ATM, guess what the ATM had a display screen, that it wouldn't accept deposits. Well I ...
by Grasshopper
Fri Feb 17, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: 1099s Up for Brokerage
Replies: 5
Views: 657

Re: 1099s Up for Brokerage

I had TurboTax download my Vanguard consolidated in the morning Thursday and my 1040 filed by noon. I was really all done except the foreign tax credit on February 1. :beer
by Grasshopper
Tue Feb 14, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 8218

Re: Insane Bloodwork Cost (Quest Diagnostic)

In Arizona I can get many tests done without a Dx here is out of pocket cost for everyone no insurance just walk in and have it done. Thyroid Screen (TSH, High Sensitivity) Used to detect problems affecting the thyroid gland. $26 T3, Free Used primarily to help diagnose hyperthyroidism and may be us...
by Grasshopper
Sat Feb 11, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: About Wellington VWENX
Replies: 14
Views: 2159

Re: About Wellington VWENX

I use Wellington for tax advantage space, Total World for taxable. I get a good AA this way and active bond management.
by Grasshopper
Tue Feb 07, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 3611

Re: Napa/Sonoma Recommendations

The fall around harvest time is the best time to go. If you have a local wine merchant ask them if they can hook you up with some behind the scene tours. If you have a Visa Signature card this may help http://sonomawine.com/visa-signature/ There are also plenty of wine tour apps that can be a help.
by Grasshopper
Sun Feb 05, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Grand Canyon in May. Booked already!
Replies: 30
Views: 3865

Re: Grand Canyon in May. Booked already!

BTW... dinner at sunset in El Tovar's dining room looking over the canyon is really something worth doing.. a memory that will last a long time. The lodge right next (west) to El Tovar, Kachina Lodge, also has dining room reservation privileges for El Tovar's dining room, which is reservations only...
by Grasshopper
Sat Feb 04, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: STAR Fund
Replies: 11
Views: 2683

Re: STAR Fund

I like STAR but not in a taxable account, some years capital gains from STAR just ruined my tax planning.
by Grasshopper
Sat Feb 04, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 3420

Re: Microsoft requires cell number

I use Google Voice for lots of 2fa but Wells Fargo wouldn't accept it, and Chipotles free offers doesn't either. I have no cell service at my home. :annoyed
by Grasshopper
Tue Jan 03, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: FOUND Vanguard household statements!!
Replies: 5
Views: 1015

Re: Vanguard household statements

I just checked. All our HH statements are available online. Made me look again, nope my statements are his, hers, and joint. Our joint accounts are a VBS and a separate mutual fund account. I even double checked my November statement that I had downloaded, yep it's a household statement. I show no ...
by Grasshopper
Tue Jan 03, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: FOUND Vanguard household statements!!
Replies: 5
Views: 1015

FOUND Vanguard household statements!!

Well kick us again Vanguard, 33 years with them and they pulled the plug on household statements starting this year. Even historical statements have disappeared. Gee how hard was it to add a couple of accounts together in one statement. :confused
by Grasshopper
Thu Dec 15, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Did Intuit ruin Taxcaster?
Replies: 24
Views: 3092

Re: Did Intuit ruin Taxcaster?

Hayden wrote:I'm using the Android app for Taxcaster, and it looks to me like it's working the way it always has.


Android app, is simple and reflects my spreadsheet. :beer
by Grasshopper
Fri Dec 09, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 13020

Re: Vanguard's new "account overview" page... BOO!

I will add this post to what do retirees do all day @ earlyretirement.org. :beer
by Grasshopper
Mon Dec 05, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 3388

Re: Shoes for flat-footed over-pronators

I too am a flat-footed overpronator, I have found moccasin style Bass Weejuns, and or docksider/sperry boat shoes for casual shoes for comfort.