Search found 1181 matches

by SrGrumpy
Tue Dec 24, 2019 6:26 pm
Forum: Non-US Investing
Topic: Favorite country to live in after FIRE?
Replies: 191
Views: 19027

Re: Favorite country to live in after FIRE?

unclescrooge wrote: Tue Dec 24, 2019 5:29 pm So British citizens can move to Australia without issue, or do they still face the point system and age discrimination?
Australia hasn't been a British colony for quite a while. Brits face the same hurdles as (almost) anyone else.
by SrGrumpy
Mon Dec 23, 2019 10:01 pm
Forum: Non-US Investing
Topic: Favorite country to live in after FIRE?
Replies: 191
Views: 19027

Re: Favorite country to live in after FIRE?

KNMLHD wrote: Mon Dec 23, 2019 7:54 pm In any event, from what I understand, given the Canadian citizenship, retiring to a commonwealth country is easier... haven't looked into it (still a long ways off) but having the option is comforting, even if never explored.
One would think, but alas no.
by SrGrumpy
Sun Dec 22, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: yet another reason not to get a smart phone
Replies: 192
Views: 16364

Re: yet another reason not to get a smart phone

Look at what is happening in China where you are tracked everywhere and even get social rating scores. It could happen here if we don't act soon. Probably already: the Chinese using social media to pinpoint the location of every single U.S. military, political and business operative. Liquidate surg...
by SrGrumpy
Sun Dec 22, 2019 4:02 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...
Replies: 53
Views: 3520

Re: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...

synthfan23 wrote: Sat Dec 21, 2019 6:00 am * She mostly drinks & enjoys *really* inexpensive sweet white & red Muscadine wines from North Carolina and Florida
Just get something a little shinier than what her friends have.
by SrGrumpy
Sun Dec 22, 2019 3:13 am
Forum: Personal Finance (Not Investing)
Topic: How to repair credit due to late Bank of America payment
Replies: 63
Views: 3911

Re: How to repair credit due to late Bank of America payment

The same thing happened to me just few days ago. I missed a payment by few hours due to my travels. I placed a call to B of A and within 5 minutes they have removed late fee and accrued interest... Don't stress over it if it happened to you first time your bank (if its not Chase .. they don't care ...
by SrGrumpy
Sat Dec 21, 2019 3:35 am
Forum: Non-US Investing
Topic: Favorite country to live in after FIRE?
Replies: 191
Views: 19027

Re: Favorite country to live in after FIRE?

You have to distinguish the persons who have money and want to enjoy retired life from those who are poor and need to find a place to make money. Thailand is a good place for retirees if you have some money (but not fatFIRE) and single, and like warm weather . I also agree that being a white person...
by SrGrumpy
Thu Dec 19, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173835

Re: What frugal thing did you do today?

cheesepep wrote: Wed Dec 18, 2019 11:36 pm Bought 2 lemons from the market today. Placed them in a free plastic bag. Bought some other items also. Finished checking out and declined the supermarket bag and placed all items in the bag with the lemons.
I use those bags too. Surprised it hasn't caught on.
by SrGrumpy
Sun Dec 15, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Ethiopia travel (tour operator recommendation, etc.)
Replies: 11
Views: 1090

Re: Ethiopia travel (tour operator recommendation, etc.)

Flashes1 wrote: Sun Dec 15, 2019 11:52 am African culture is anyone who has resources is expected to share them with those that don't. It's what got them thru tough times over the millenia, but it can turn off a lot of folks with European ancestry.
That's quite the sweeping analysis.
by SrGrumpy
Sun Dec 15, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7407

Re: Gifts to your employees- how much?

I'd would not be shocked if my company's Christmas party costed >$10M . . . this is also a company that gives each and every employee a Christmas bonus and has been listed on Forbe's top-10 mid-size companies in the U.S. to work for 4 of the last 5yrs so there isn't a whole lot to complain about. S...
by SrGrumpy
Sun Dec 15, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Places to Go Out When You Don't Want to Spend Much or Any Money
Replies: 129
Views: 11270

Re: Places to Go Out When You Don't Want to Spend Much or Any Money

Visit a cemetery. Normally they are quiet and other visitors generally won't disturb you. Most of these are private properties! So what? Some of them may have limited hours, but most of them are often open for anyone to come in and look around. As a genealogist, I often take lots of headstone photo...
by SrGrumpy
Sun Dec 15, 2019 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7407

Re: Gifts to your employees- how much?

Time is the most important gift, especially at this time of the year. Give 'em a half-day or full day so they can get shopping errands done, stand in line at the post office, etc.
by SrGrumpy
Sat Dec 14, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Ethiopia travel (tour operator recommendation, etc.)
Replies: 11
Views: 1090

Re: Ethiopia travel (tour operator recommendation, etc.)

Be careful giving anything to any kids. We were mobbed when someone started handing out candy. Be careful with beggars there is a whole underground scene that we don't know anything about. Don't think you are saving anyone's life when you give him a 100 birr. That part really sucks. The begging is ...
by SrGrumpy
Fri Dec 13, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173835

Re: What frugal thing did you do today?

My socks never last for long - even the heavy hiking socks develop holes in the heel and toes way too soon. Sick of replacing these socks, I decided to wear a second pair over them, using the multitude of thin airline and hospital socks that I have hoarded over the years.
by SrGrumpy
Thu Dec 12, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: What are you giving (or asking) for Christmas?
Replies: 77
Views: 5516

Re: What are you giving (or asking) for Christmas?

I told my sister I didn't want anything. She got snooty, said she would return the gift to the store. My mother had to intervene, saying she's never really grown up as far as Xmas as concerned (she's 49) and that I need to make sure I get her something small (and definitely wrapped). When is this ni...
by SrGrumpy
Thu Dec 12, 2019 3:56 am
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 11938

Re: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefi

Ztx wrote: Wed Dec 11, 2019 9:51 pm I keep using the Double Cash as I never used the removed benefits.
I didn't even know about the removed benefits.
by SrGrumpy
Wed Dec 11, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: What are you giving (or asking) for Christmas?
Replies: 77
Views: 5516

Re: What are you giving (or asking) for Christmas?

Teague wrote: Wed Dec 11, 2019 7:57 pm
This year I plan to give coupons good to take a possession of mine away.
This could be a good episode of Curb Your Enthusiasm.
by SrGrumpy
Wed Dec 11, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Re: Amazon Echo, Alexa, and privacy concerns
Replies: 41
Views: 2602

Re: Amazon Echo, Alexa, and privacy concerns

I don't think Amazon or Google have any interest in hearing my wife and I talk about what we want for dinner. Surely you're kidding. I think amazon and google want to know *precisely* what you're having for dinner. Or what you want to buy, or don't want to buy. I'm not saying they're listening, but...
by SrGrumpy
Wed Dec 11, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does trip insurane really work?
Replies: 24
Views: 3266

Re: Does trip insurane really work?

It will be interesting to see if the Americans on the exploding volcano had travel insurance, specifically evacuation. They may be looking at 1-2 years' recovery. So yes, anything can happen to anyone at anytime, so be prepared.
by SrGrumpy
Mon Dec 09, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173835

Re: What frugal thing did you do today?

Got my "Senior Coffee" this morning at McDonald's! Oddly (to me) there are two McDonald's within a mile of each other - both in the same jurisdiction. The same "Senior Coffee" at one is 20 cents less than the other! BUT - the same Oatmeal is 20 cents more at the one with the lower Senior Coffee?? T...
by SrGrumpy
Sun Dec 08, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173835

Re: What frugal thing did you do today?

Got my "Senior Coffee" this morning at McDonald's! Oddly (to me) there are two McDonald's within a mile of each other - both in the same jurisdiction. The same "Senior Coffee" at one is 20 cents less than the other! BUT - the same Oatmeal is 20 cents more at the one with the lower Senior Coffee?? T...
by SrGrumpy
Sun Dec 08, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off tomorrow (Sunday Dec. 8)
Replies: 62
Views: 5963

Re: Target gift cards 10% off tomorrow (Sunday Dec. 8)

How about a 30% deal on Amazon gift cards at Amazon.com? (Beat this, Target!): Exclusively for new gift card customers: Get a $15 credit when you purchase $50+ in Amazon Gift Cards Enter promotion code 19GIFTCARD at checkout, or tap the button below to automatically apply promotion code to your acco...
by SrGrumpy
Sun Dec 08, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 441
Views: 35429

Re: Retirement Friendly States

The best place on earth to retire is California. Best weather, food, ocean, mountains, ski, surfing, desert, something for everyone. Earthquakes as well! The land of "fruits" and "nuts" !! Well, 80% of veggies, fruits and nuts in US come from here. You are welcome!! Don't forget the Raisin City* - ...
by SrGrumpy
Sun Dec 08, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 441
Views: 35429

Re: Retirement Friendly States

ktd wrote: Sun Dec 08, 2019 5:40 pm The best place on earth to retire is California. Best weather, food, ocean, mountains, ski, surfing, desert, something for everyone. Why you see a lot of hate for California. It's just so bad nobody lives here!
Shh! Echoing an earlier post - 'We don't need any more people."
by SrGrumpy
Sun Dec 08, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off tomorrow (Sunday Dec. 8)
Replies: 62
Views: 5963

Re: Target gift cards 10% off tomorrow (Sunday Dec. 8)

I found this option on the Target site:

Check your inbox on your birthday and celebrate with 5% off a shopping trip.*

(*Restrictions apply. For full terms see Target Circle™ Terms & Conditions.)
by SrGrumpy
Sun Dec 08, 2019 3:07 pm
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8607

Re: Favorite stock(s) and why

Disney's power over content creation is now so vast that the company probably should come under antitrust investigation (I predict that it will not). Unless they stumble with key franchises (Star Trek , Star Wars, Marvel Comics) they will remain a superpower. Star Trek and Star Wars at the Mouse Mo...
by SrGrumpy
Sun Dec 08, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off tomorrow (Sunday Dec. 8)
Replies: 62
Views: 5963

Re: Target gift cards 10% off tomorrow (Sunday Dec. 8)

The Target app lets you "store" gift cards electronically, so easier to keep track. That's a draw for me. Such a simple idea, and I wish hotels.com would do the same. My Target is down the road; no idea where a Walmart is. And their fun kids' clothing (Cat and Jack brand) allows me to fulfill uncle...
by SrGrumpy
Sun Dec 08, 2019 5:51 am
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8607

Re: Favorite stock(s) and why

Disney's power over content creation is now so vast that the company probably should come under antitrust investigation (I predict that it will not). Unless they stumble with key franchises (Star Trek , Star Wars, Marvel Comics) they will remain a superpower. Star Trek and Star Wars at the Mouse Mo...
by SrGrumpy
Sat Dec 07, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off tomorrow (Sunday Dec. 8)
Replies: 62
Views: 5963

Re: Target gift cards 10% off tomorrow (Sunday Dec. 8)

I will pass on this. I avoid Target completely given their well known and historical customer security issues. If I ever went to Target to purchase anything, I would only use cash. Good luck finding a place these days that doesn't have "historical customer security issues." Thanks, OP. I'll be ther...
by SrGrumpy
Thu Dec 05, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173835

Re: What frugal thing did you do today?

1. Chose Uber Pool instead of UberX - $5.15 vs. $7.11
2. That includes the "Short Walk" option for a $1.39 saving.
3. Chose to be dropped off 10 minutes later in exchange for $1 Uber Cash back.

Bonus: Had the car to myself.

P.S. This was after spending $1.75 to take 3 trains from LAX to Hollywood.
by SrGrumpy
Mon Dec 02, 2019 9:21 pm
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8607

Re: Favorite stock(s) and why

Add me to the DIS fan club; been on board since 2001. I don't care for their product, but we got lucky with Bob Iger. I'm also in the mining giant BHP Billiton (BHP.AU). (I had a great-aunt who was with them virtually since Day 1; sadly none of that stock found its way to me.) And finally, Fastenal ...
by SrGrumpy
Thu Nov 28, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8281

Re: Black Friday/Cyber Monday smart buys?

I just bought 4x $25 Uber gift cards at Best Buy for $85, and paid with Paypal which is one of the 5% Q4 categories for my Chase Freedom card. So that's almost 20% off in total. NOTE: It's a physical card requiring in-store pickup. https://www.bestbuy.com/site/uber-25-gift-card/6350716.p?skuId=6350716
by SrGrumpy
Sat Nov 23, 2019 4:13 am
Forum: Non-US Investing
Topic: Receiving an International Bank Wire Transfer Questions
Replies: 30
Views: 2299

Re: Receiving an International Bank Wire Transfer Questions

The banks that use intermediaries of course pass on the charge. I use BofA for similarly small incoming transactions after wasting a lot of time seeing if Ally, my credit union and a bunch of other outlets could do it for cheaper. You just have to eat that $15 charge and move on.
by SrGrumpy
Thu Nov 21, 2019 12:54 am
Forum: Personal Consumer Issues
Topic: Water heater - am I getting ripped off
Replies: 58
Views: 4614

Re: Water heater - am I getting ripped off

The only problem is the old one is so heavy, he can’t get it out of the basement. Subsequent quotes for removing the old water heater ran around $400, so he’s trying to figure out a way to do this part himself as well. I've had excellent luck with movers from craigslist to move one off very heavy i...
by SrGrumpy
Wed Nov 20, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Warning about Uber Pool billing
Replies: 24
Views: 2935

Re: Warning about Uber Pool billing

For reference: from Uber website here: https://help.uber.com/riders/article/my-upfront-fare-was-not-honoured?nodeId=ff65490e-2ffb-41cf-a709-4611521c7b24 Upfront fares are calculated using the expected time and distance of the trip and local traffic, as well as how many riders and nearby drivers are...
by SrGrumpy
Wed Nov 20, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Warning about Uber Pool billing
Replies: 24
Views: 2935

Re: Warning about Uber Pool billing

bsteiner wrote: Wed Nov 20, 2019 4:12 pm This is an old thread.
Odd?
by SrGrumpy
Wed Nov 20, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Warning about Uber Pool billing
Replies: 24
Views: 2935

Re: Warning about Uber Pool billing

What did Uber say when you filed a complaint via their app/website?
by SrGrumpy
Wed Nov 20, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 126
Views: 15075

Re: College for average kids

Two make 7-figures as entrepreneurs, a third made his way up the ladder in a disaster clean-up company, and the 4th is an exec for In-N-Out (having started working there in high school 20+ years ago). ... "Average" is not bad. Brilliant! They sound like a bunch of really interesting folks, the sort...
by SrGrumpy
Wed Nov 20, 2019 12:36 am
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 126
Views: 15075

Re: College for average kids

What does your kid want to do when he grows up? Motivation can easily trump smarts if you can figure it out. Yes, I'd also like to know - and agree: Motivation plus ambition and street smarts. And good friends who aren't sitting around vaping and/or smoking pot all day. I flunked out after one year...
by SrGrumpy
Mon Nov 18, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why does Chase bonus require in-person sign up?
Replies: 11
Views: 1441

Re: Why does Chase bonus require in-person sign up?

I've been receiving these occasional Chase offers in my email, like probably everyone else here. The ones that say you get $200 or more for setting up a Chase checking/savings account. But what I don't understand is why I have to physically go down to a branch (there's none near me) and I can't ope...
by SrGrumpy
Sun Nov 17, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 7513

Re: Disney plus streaming deal

whodidntante wrote: Sun Nov 17, 2019 9:19 pm All Bogleheads should subscribe because Disney is my long position in this year's hedge fund contest.
+1. DIS is my biggest individual holding - and I've been reinvesting the dividends over the years (where's the emoji of the guy hiding under the table?)
by SrGrumpy
Sun Nov 17, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why does Chase bonus require in-person sign up?
Replies: 11
Views: 1441

Re: Why does Chase bonus require in-person sign up?

Caduceus wrote: Sun Nov 17, 2019 1:25 pm Oh well, looks like no bonus for me. The nearest branch is really far.
How far is far? Would the $600 combo bonus offer (YMMV) make it worthwhile?
by SrGrumpy
Sat Nov 16, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2687

Re: Digitizing Old Family Photos

Although I have some regrets about losing one particular box (my fault), it's tempered by the knowledge that I'm the last person in my family, so nobody else will be disappointed by the loss. I think it's easy overestimate the value of personal artifacts to anyone other than yourself. Oh, somewhere...
by SrGrumpy
Fri Nov 15, 2019 12:44 am
Forum: Personal Consumer Issues
Topic: Forgot to pay Kohl's bill for two months, consequences?
Replies: 36
Views: 2741

Re: Forgot to pay Kohl's bill for two months, consequences?

Kenkat wrote: Thu Nov 14, 2019 9:15 pm I don’t think they typically report it until it’s 60-90 days past due. I did something similar with Kohl’s a couple of years ago and it never showed up anywhere credit report-wise.
Yeah, don't worry about it.
by SrGrumpy
Fri Nov 15, 2019 12:43 am
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2687

Re: Digitizing Old Family Photos

Miriam2 wrote: Fri Nov 15, 2019 12:40 am
SrGrumpy wrote: I'd be wary of DVD, by the way. That's basically a dead format now.
What is the new format?
The Cloud.

(or so I'm told).
by SrGrumpy
Thu Nov 14, 2019 10:38 pm
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2687

Re: Digitizing Old Family Photos

I would definitely not discard the originals, especially of the very old photos. Those are not replaceable. +1 If you don't want to keep the originals after scanning them - is there a local Historical or Genealogy Society that might take them? What about distant cousins? If you need help finding th...
by SrGrumpy
Thu Nov 14, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 92
Views: 13112

Re: Disturbing experience with Ally Bank

OP here ... I'm now a very unhappy customer, to put it mildly. I will call again tomorrow to see if I can talk directly to a supervisor, but I'm not holding out hope for much progress. I'm reading up on how to file a complaint with the Federal Reserve (which I understand is the regulator for Ally),...
by SrGrumpy
Thu Nov 14, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 131
Views: 16127

Re: Are complicated credit card cash back strategies worth it?

Getting a check sent back is the ultimate win! I have never been so lucky, unfortunately. I was an accidental winner, recently. I prepaid my Spectrum Internet bill by 6 months, and a little later did my annual cancellation so that I could get the new customer rate (after a loooong month going cold ...
by SrGrumpy
Thu Nov 14, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: CNBC Nightly Business Report cease production in Dec 2019
Replies: 123
Views: 7745

Re: CNBC Nightly Business Report cease production in Dec 2019

This is a very sad development, I have watched this program for many years. I will miss this program, I still miss Wall $treet Week with Louis Rukeyser. I have fond memories of many years of the late Paul Kangas. I will wish Nighty Business Report the best of good buys. Susie Gharib was great too. ...
by SrGrumpy
Thu Nov 14, 2019 10:47 am
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 25
Views: 3847

Re: Ally savings rate changing

Recently moved over $10k to Simple Bank (from Ally) to get the $250 bonus. Currently 2.13% as well, but my guess is it doesn't stay there for long. Well that's a good deal. Is it still up and going? Also, is there a thread which I can monitor so that I don't miss deals like that in the future? It w...