Search found 699 matches

by SrGrumpy
Sat Jun 30, 2018 5:09 am
Forum: Investing - Help with Personal Investments
Topic: Capital One Investing Changing to E-Trade - Anyone Moving?
Replies: 13
Views: 6190

Re: Capital One Investing Changing to E-Trade - Anyone Moving?

I will wait until CapOne moves my brokerage account to eTrade. I already have an account at eTrade. I will then move both to Ally, which I believe reimburses transfer fees. I agree with OP about simplicity.
by SrGrumpy
Mon Jun 25, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Should my girlfriend who is here on a work visa open an IRA?
Replies: 6
Views: 851

Re: Should my girlfriend who is here on a work visa open an IRA?

You could run the numbers to be sure, but will be a hassle if she leaves. My co-worker in a similar situation had to close the account, add to US tax return and pay the 10% withdrawal penalty. It really depends on the tax rate on the final return, but is one more hassle if she leaves. It’s hard eno...
by SrGrumpy
Mon Jun 25, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Best time to travel to Iceland?
Replies: 22
Views: 3019

Re: Best time to travel to Iceland?

Info_Hound wrote:
Mon Jun 25, 2018 11:07 am

Are most of the sights worth seeing around the coastline? My (maybe bad) impression is the interior is tundra and not much else.

Thanks.
Pretty much. And the main sights aren't that amazing. Waterfalls, snow and stuff.

BTW, Iceland does not have a monopoly on the Northern Lights.
by SrGrumpy
Mon Jun 25, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12877

Re: When did you start flying business class?

I'm assuming two of the four are your children. Without knowing their age, I will relate a scenario I have seen before when I was flying biz for business. Two parents in business class with two children in coach. The kids were not extremely young - the parents explained that the kids didn't care on...
by SrGrumpy
Mon Jun 25, 2018 3:00 am
Forum: Personal Consumer Issues
Topic: Best time to travel to Iceland?
Replies: 22
Views: 3019

Re: Best time to travel to Iceland?

Went in February. Clear, crisp weather. Rented a small car cheaply, stayed at Airbnb which we ended up having to ourselves as the owner left town, ate at Bonus supermarkets. Saw the Northern Lights (or so my wife tells me). Not sure I'd want to deal with the summer crowds; the winter ones were bad e...
by SrGrumpy
Sun Jun 24, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12877

Re: When did you start flying business class?

You'll feel silly blowing $24k for a restful flight if there's a screaming baby in the bulkhead a few rows behind you. As was proposed in another thread like this, maybe stay in a five-star hotel at your destination for a more enduring premium experience.
by SrGrumpy
Sat Jun 23, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12877

Re: When did you start flying business class?

My business debut came when I was about 21. Upstairs flying Cathay Pacific from Sydney to Hong Kong for the company. I got drunk and cried watching Ghost . I would never pay for it myself. Anyway I approve of your plan. Someone has to subsidize we cheapskates in the back. P.S. Check the seating conf...
by SrGrumpy
Sat Jun 23, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8932

Re: how to make friends in new location?

She loves things like bocce, and indoor heated pool swimming. she found those two activities here. They tend to be an older crowd which she seems fine with - 40- 65 years with a skew older in that range for the two activities she did. Swimming is a great way to meet people. Enquiries with pool staf...
by SrGrumpy
Fri Jun 22, 2018 2:22 am
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3976

Re: What will (or would) you tip when wages go up?

Here in California, our servers already make min wage (or more) plus tip. Everyone makes at least minimum wage, right? That's why they call it minimum wage. Do you mean "living wage"? I think that's around $15 or so now. But it requires a bit of research since municipalities may impose higher pay t...
by SrGrumpy
Sun Jun 17, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15698

Re: How much (green) cash at home for emergency ?

I try to keep about $60 in my "Go Bag" but I keep stealing from it.
by SrGrumpy
Sun Jun 17, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5845

Re: What are your hobbies?

2 people into fountain pens. Is this a thing? Reminds me of a schoolmate who used to shoplift Parker pens and proudly display his booty all lined up in his shirt pocket. For me, my current hobby is photographing graves for Findagrave, creating profiles and connecting generations of dead family membe...
by SrGrumpy
Sun Jun 17, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 61
Views: 6440

Re: African Safari: Worth it or Hype?

Some people prefer watching concert footage on YouTube instead of attending concerts. But I see your point. And I love zoos, by the way. I did Kruger in 1990 for a few days. Saw a big cat within minutes, but not much else thereafter. Still, it was OK. It would be nice to see gorillas in Uganda, etc....
by SrGrumpy
Sun Jun 17, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 5280

Re: Living Abroad - Who's done it?

IthinkICan wrote:
Sat Jun 16, 2018 9:37 pm
Spain would be the most expensive both for immigration and taxes. They tax world wide income.
Sure about that?
by SrGrumpy
Sun Jun 17, 2018 3:35 am
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 3356

Re: How do you read books?

One page at a time. If it's a bio, I often go to the death bit first, and then start the book proper. Alas, the recent McKinley bio reduced his assassination to about one page. And let's not overlook the importance of pictures!
by SrGrumpy
Sat Jun 16, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: When to "raise my rate" (Ally bank CD)
Replies: 19
Views: 2943

Re: When to "raise my rate" (Ally bank CD)

Break it. Raise Your Rate is a marketing ploy that I fell for. And CD ladders are irrelevant these days. But Ally is fine otherwise.
by SrGrumpy
Fri Jun 15, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 12944

Re: Which boglehead rule do you break--and are ok with

Hmm, I avoid Vanguard and index funds, and I don't care if an ER is closing in on 1.00%. I have some individual stocks. I'm probably living a little above my means, but only because I want to travel as much as possible before it's too late. No idea what an IPS is, some sort of beer? Apart from that ...
by SrGrumpy
Thu Jun 14, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2948

Re: Drive from Phoenix to San Diego

Depends a lot on where you are flying in and out if. I'd tend to focus on Grand Canyon and adjacent wonders - Monument Valley, Horseshoe Bend, Antelope Canyon, etc. Phoenix itself has relatively little to offer, and if you insist on ending in California, laze by a pool in Palm Springs with a quick d...
by SrGrumpy
Thu Jun 14, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 4178

Re: Non-alcoholic drinks for wedding

Completely up to you. But you're telling me that 200 people don't drink any alcohol? On a special occasion, even people that don't normally drink will usually have at least a glass of champagne or wine. Getting OT here, but I've been to dry events in the past and taken a hip flask of Jack Daniels t...
by SrGrumpy
Thu Jun 14, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10809

Re: I was rear ended and the other guy wants a payout!

He was driving "an old van" - was he a delivery guy? Maybe he was distracted - on the phone, texting, looking for a building number? A check of his phone records might exonerate you. As a professional driver, possibly, he has more on the line but also might know how to work the system better. Anyway...
by SrGrumpy
Wed Jun 13, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17650

Re: Should I take possession of a certified mail?

EyeYield wrote:
Wed Jun 13, 2018 11:41 am
“Anyways, as many other have indicated, will go forward and take possession of the letter. Thanks.

Yeti,”
I admit to being intrigued by this mystery. Would you be willing to share the outcome?
I was intrigued. Now I've lost interest.
by SrGrumpy
Mon Jun 11, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6985

Re: Need advice on 1st international vacation

goldensam wrote:
Mon Jun 11, 2018 8:36 am
This is a well-timed thread for me. I am looking into taking my first international vacation and I will be traveling alone. This has been very useful.
Bon voyage! i hope you and OP will update us.
by SrGrumpy
Sun Jun 10, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6985

Re: Need advice on 1st international vacation

Consider an all inclusive resort in Cabo, etc. Everything you need will be contained within the resort and the customer interfacing employees will speak excellent English. The OP says they "love to sight-see, explore the local culture, and find nice places to eat". Somehow I doubt that an all inclu...
by SrGrumpy
Thu Jun 07, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6985

Re: Need advice on 1st international vacation

Iceland - Europe for Beginners. Get there before the island sinks under the weight of the tourist traffic. London/England would, otherwise, be my recommendation - although I am back in Scotland now, and loving it immensely. Anywhere in the British Isles will be hugely rewarding. Yeah, they speak Eng...
by SrGrumpy
Sat Jun 02, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 5497

Re: 6 hour layover on Heathrow

Impossible. Unless maybe you have an EU passport and no bags and are first off the plane and are a fast walker - in which case maybe a drive-by past Runnymede and/or Windsor Castle. Please update us! I wish you well. It's like The Amazing Race. P.S. if you fly in about 6-7 a.m., as I do from Califor...
by SrGrumpy
Sat Jun 02, 2018 1:44 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4910

Re: Travel advice for an engineer

P.S. I'm surprised no one mentioned the Sydney Opera House, arguably the most recognizable building in the world. Architect Jørn Utzon's design looked good on paper, but it was the engineers who overcame the myriad impracticalities and controversies to make the building a reality: https://www.arup.c...
by SrGrumpy
Sat Jun 02, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4910

Re: Travel advice for an engineer

Winchester Cathedral. The vast Norman building, not the song. You can Google the info, but the gist is that the church was in danger of collapse in the early 20th century on account of its soft, waterlogged foundation, so a diver named William Walker worked six days a week for six years in darkness ...
by SrGrumpy
Sun May 27, 2018 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2820

Re: Bank of America ATM card not working internationally

Kind of astonished the financial system does not have its act together about this. Does anyone know if there are problems like this in Denmark? That's the last travel place left on my bucket list. Big-time chip and pin enthusiasts there. Had to leave a pile of groceries at checkout because of that ...
by SrGrumpy
Sun May 27, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2820

Re: Bank of America ATM card not working internationally

Thanks for the replies. I changed the card to just link to a single account today, but it still was rejected instantly at the Raiffeisen I tried. May try another bank tomorrow, but this one didn't even ask for a pin before rejecting the card. Definitely some lessons learned on this trip, including ...
by SrGrumpy
Thu May 24, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2820

Re: Bank of America ATM card not working internationally

Happens to me very occasionally, and I don't know why and nor does my credit union. Consider it an inconvenient favor. You saved yourself BofA's $5 ATM fee + the international transaction fee of 3% of the converted US dollar amount.
by SrGrumpy
Wed May 23, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: International travel for Christmas
Replies: 26
Views: 1760

Re: International travel for Christmas

And just so you know, Americans need a visa for Australia. Who would have guessed. That's nothing, just a few mouse clicks. America has a similar, er, shakedown, ESTA, and the Canadians just introduced their own version. So are you saying US citizens now need a visa to drive across the Canadian bor...
by SrGrumpy
Tue May 22, 2018 4:02 am
Forum: Personal Consumer Issues
Topic: International travel for Christmas
Replies: 26
Views: 1760

Re: International travel for Christmas

adamthesmythe wrote:
Mon May 21, 2018 9:55 pm
And just so you know, Americans need a visa for Australia. Who would have guessed.
That's nothing, just a few mouse clicks. America has a similar, er, shakedown, ESTA, and the Canadians just introduced their own version.
by SrGrumpy
Mon May 21, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Coachella concert
Replies: 8
Views: 1064

Re: Coachella concert

Or Arroyo Seco (Pasadena) in June ... https://www.arroyosecoweekend.com/ (Neil Young, Jack White, Pretenders, Kings of Leon, Robert Plant, etc)
by SrGrumpy
Mon May 21, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Coachella concert
Replies: 8
Views: 1064

Re: Coachella concert

Reserve hotel rooms now with free cancellation. I stayed at the Best Western. Prepare to pay big $$. Have they announced dates yet (not to mention artists)? At least it's two weekends now. Since you are older skewing, pay up for the VIP tix. Take a bandana or surgical mask- the dust is horrendous. Q...
by SrGrumpy
Mon May 21, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: International travel for Christmas
Replies: 26
Views: 1760

Re: International travel for Christmas

ft2010 wrote:
Mon May 21, 2018 2:23 pm
Christmas time in Hong Kong is quite popular,
Ooh, absolutely.The city is lit up like a Christmas tree. Beautiful. And I don't even care for Christmas.
by SrGrumpy
Mon May 21, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 12989

Re: Chase Savings Account emptied out!

What did Chase say?
by SrGrumpy
Mon May 21, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 2382

Re: Rental cars in Europe

I have had the experience of showing up to a rental car company at Heathrow only to be told they had run out of the economy car I had booked for 3 weeks. I was offered am upgrade to a large SUV at the same price. I refused because of the gas price and the difficulty parking such a large vehicle. I ...
by SrGrumpy
Mon May 21, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: International travel for Christmas
Replies: 26
Views: 1760

Re: International travel for Christmas

There's usually decent award availability to Brazil, Argentina, but you would need to get in fairly soon if you want to pay with Saver rather than Standard. If your elite status allows you to change bookings with no fee, that is useful. I'd also take a look at Australia, which is obviously a more po...
by SrGrumpy
Sun May 20, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 2382

Re: Rental cars in Europe

I was told I needed an International Driving Permit, which I went to AAA and got, to rent and drive in Europe. If I recall correctly no one asked for it, but they can potentially not rent to you if you don't have one. I believe you need it if you get pulled over also. Local D/L is fine - I am drivi...
by SrGrumpy
Sun May 20, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 2382

Re: Rental cars in Europe

the rental car company "ran out of cars" and tried to force us into a much more expensive car This is really surprising, especially if you rent from a major at an airport. Which company was it? My experience is almost as annoying though: they occasionally run out of small cars and give me a bigger ...
by SrGrumpy
Tue May 15, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 17
Views: 1812

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

Ghostery was touted in similar threads, but people seem to have gone cold on that because of advertising ties. It's hard to stay abreast of such things. I use duckduckgo, though I miss Google Chrome. We're all just rats in a cage.
by SrGrumpy
Sat May 12, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Why did Capital One 360 say my cell phone couldn't be verified?
Replies: 9
Views: 1154

Re: Why did Capital One 360 say my cell phone couldn't be verified?

Empathies. I have had the same problem with Capital One cellphone verification. I called them, and they took care of it (somehow).

P.S. Yes, I remember. I have a pay as you go phone. That was the problem.
by SrGrumpy
Sat May 12, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077574

Re: What Movie Have You Recently Watched?

Life of the Party. Left after an hour. You've been warned.
by SrGrumpy
Fri May 11, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 242
Views: 40964

Re: Ally online savings now at 1.60%

With Popular Direct at 2% I don't see why these 1.6% accounts are so popular. $5,000 minimum, a $4 fee if the account falls below $500, a $5 dormancy fee, a $25 early account closing fee. TOD and ACH limitations. Bad reviews on Depositaccounts.com I get that these issues may be irrelevant for many ...
by SrGrumpy
Fri May 11, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Ally 12 month cd 2.25%
Replies: 9
Views: 2376

Re: Ally 12 month cd 2.25%

A great deal. Seems like yesterday that I bought a 5-year Ally CD for 2.0% Sigh. Looking at Fidelity, the 9mo T-bill is yielding 2.22%. Unless the CD has no (or very low) EWP, T-bills would be a better deal now. What 9mo T-bill? Anyway, the 12mo T-bill is currently at 2.25% so I don't see this as v...
by SrGrumpy
Fri May 11, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Ally 12 month cd 2.25%
Replies: 9
Views: 2376

Re: Ally 12 month cd 2.25%

A great deal. Seems like yesterday that I bought a 5-year Ally CD for 2.0% Sigh.
by SrGrumpy
Thu May 10, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 7963

Re: [Golf ball] cracked my house window. Do I have any recourse?

Once I was visiting and we were all sitting in the lovely backyard when I was hit in the arm by a golf ball. No, the golfer didn't come over to see if I was OK or to retrieve his ball... It hurt like the dickens and we all saw what a problem it would have been had the ball been 8" higher and hit my...
by SrGrumpy
Thu May 10, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Home Fire/Burglar Safe
Replies: 21
Views: 1662

Re: Home Fire/Burglar Safe

Wouldn't a hollowed-out book for smallish items cover the burglary risk?
by SrGrumpy
Thu May 10, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9504

Re: Bucket List Adventures/Activities

Not exactly a failure but I realized that I have been to 49 states and I will likely not hit 50. The one I am missing is North Dakota and I don't think that I will ever get there even though I will be within 100 miles of it this summer. Aw, c'mon! A hundred miles? I'm at 46. Don't let me beat you.
by SrGrumpy
Wed May 09, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 6339

Re: How to handle problem employee

davebo wrote:
Tue May 08, 2018 10:08 pm
She pauses and says "I'm sorry, I don't understand".
#I'mWithHer
by SrGrumpy
Wed May 09, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3911

Re: Which cordless weed whacker to buy?

I've been following this threat with interest and have a couple of questions for those with more knowledge and experienced than me. I haven't done my yard in years as I have outsourced maintenance to a variety of less-than-satisfactory people. Now that I am mostly retired, I'm now thinking of getti...