Search found 765 matches

by SrGrumpy
Wed Jan 16, 2019 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: CIT savings builder account ?
Replies: 14
Views: 941

Re: CIT savings builder account ?

rh00p wrote:
Tue Jan 15, 2019 9:53 am
Just researched them last night. They have horrid reviews mainly regarding customer service.
They have "Evaluation Day" - sounds a bit too dystopian for me.
by SrGrumpy
Wed Jan 16, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 30
Views: 1802

Re: Swimming, do you? Advice sought.

I've begun to play around more with getting my head down and trying to breathe properly. If you're still at this stage, I would strongly recommend getting coaching, either through Masters - although they often don't give the individualized attention you might need - or asking at your local pool. If...
by SrGrumpy
Tue Jan 15, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Which iPad?
Replies: 14
Views: 858

Re: Which iPad?

The 9.7-inch (2018 model) is perfect for the needs you describe, and it was on sale recently for as little as $229, keep an eye out for sales. The 11-inch Pro is a fantastic piece of hardware but at 3x the cost, and really can't do anything the cheaper one can't do, as the main limitation is iOS ra...
by SrGrumpy
Tue Jan 15, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2539

Re: Screwed myself on salary negotiations, how do I get past this?

afoolwithmoney wrote:
Tue Jan 15, 2019 12:31 pm
they might have said yes if I'd asked for the extra $$$.
... or they might have said no. They probably like you even more now because you're a good guy and not greedy.
by SrGrumpy
Sun Jan 13, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Ally bonus question
Replies: 26
Views: 3267

Re: Ally bonus question

SrGrumpy - you do realize it is only complicated by the fact that you are trying to pay a bill that is due a day before the promo has completed? Of all the bonuses I have participated in - this one has been one of the simplest. No, but thank you for the comment. "LOL." It is complicated only by you...
by SrGrumpy
Thu Jan 10, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Newspapers / News Subscriptions
Replies: 19
Views: 634

Re: Newspapers / News Subscriptions

The WSJ offers a free 1-year subscription to the Times (of London). That is a monster deal. I use it a lot for the genealogical research on the archive, going back to 1785.
by SrGrumpy
Thu Jan 10, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12568

Re: Recommendations for a 9mm handgun

Lots of good advice here, but my two cents is-it depends on what kind of shooter you'll be. If you'll rarely/never shoot and leave it untouched at bedside for two years, get a revolver. Jams are rare and it'll work if ever needed. They come triggerless so convenient to carry in pants pocket or purs...
by SrGrumpy
Wed Jan 09, 2019 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ally bonus question
Replies: 26
Views: 3267

Re: Ally bonus question

Withdrawing on Jan. 15. Actually I have a c/c bill due on Jan. 14, so I will initiate a pull from the c/c that day, which hopefully won't register at the Ally end for a day or so. Through Jan 15th. . That means no withdrawals until the 16th or bonus gets reduced. "Any withdrawals prior to 01/15/19 ...
by SrGrumpy
Wed Jan 09, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 45
Views: 3346

Re: ug - seeking medical billing advice for ambulance ride

Who called 911 for the ambulance? If it was you then you had your choice at that time. If you were alert enough to get out your phone and call then you probably did not need a 911 response. That's nonsense. The OP is not a medical professional trained to evaluate the situation. It's also unfair to ...
by SrGrumpy
Wed Jan 09, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ally bonus question
Replies: 26
Views: 3267

Re: Ally bonus question

Withdrawing on Jan. 15. Actually I have a c/c bill due on Jan. 14, so I will initiate a pull from the c/c that day, which hopefully won't register at the Ally end for a day or so.
by SrGrumpy
Tue Jan 08, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: What does 1 million @Vanguard get you ?
Replies: 35
Views: 7027

Re: What does 1 million @Vanguard get you ?

I think at Vanguard, your landing page has a different boat on it. At Fidelity, that gives you Private Client status. That gets you a specific advisor for you to ignore and it gets you free turbo tax. It's "Enhanced Personal Services" at T. Rowe Price, with a free subscription to WSJ online (worth ...
by SrGrumpy
Tue Jan 08, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12568

Re: Recommendations for a 9mm handgun

Two Walther models got separate thumbs-up on a previous thread. Any thoughts? But pleasure wise, the nicest pistol I ever shot was a Walther PPK owned by my uncle firing I believe 7.65mm ACP rounds. Small, not too much recoil, perfectly weighted. It was a joy to hold, a joy to aim, a joy to shoot. I...
by SrGrumpy
Tue Jan 08, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12568

Re: Recommendations for a 9mm handgun

My brother is a police officer and they use sig sauer .40 cals. Not sure of the model but my small wife who had never shot a gun was able to fire it pretty comfortably after a short learning curve. He has another sig .40 cal for concealed carry of a different model that's a little smaller and its d...
by SrGrumpy
Tue Jan 08, 2019 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Negative 13.6% return in 401K for 2018
Replies: 55
Views: 5635

Re: Negative 13.6% return in 401K for 2018

Don't worry about it. It's an extremely cheap education you just got - and you'll smile about it in years to come. Anyway, at your age, you should be wishing for a sustained bear market.
by SrGrumpy
Tue Jan 08, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2525

Re: I bought a new iPad on sale...should I have?

I hate Apple, but loved my iPad - at least until it died a year or 2 ago. It was the original version, so it had a good run (and it was a gift, so I didn't pay for it). I must have taken it to at least 30 countries, and watched a million TV shows on it while sitting at home in bed. It may be the bes...
by SrGrumpy
Tue Jan 08, 2019 12:27 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22325

Re: What are your property taxes?

$31,020 for tax year 2018. 5 beds 5 baths 12,561 sqft , 5.5 acers, in Mendham, NJ 07945 Guess the house, it was featured on a TV series; no not Jersey Shore. That property is taxes at 1.85% of fair market value. My, slightly more modest, home in the same county is taxed, at 2.75% of its fair value....
by SrGrumpy
Mon Jan 07, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2752

Re: Balsam Hill - Defective Christmas Tree

southerndoc wrote:
Mon Jan 07, 2019 9:14 pm
I'm willing to spend tens of thousands of dollars to defend the principle of this.
Go ahead, but hold the updates until we're all settled into our comfy chairs with hot popcorn.
by SrGrumpy
Mon Jan 07, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Prizes for early tax form issuance and delivery to:
Replies: 7
Views: 782

Re: Prizes for early tax form issuance and delivery to:

Got my first 1095a from Covered California via email this afternoon.
by SrGrumpy
Mon Jan 07, 2019 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Capital One 360 NOW Offers Beneficiary Option
Replies: 6
Views: 762

Re: Capital One 360 NOW Offers Beneficiary Option

Can someone explain like I'm five: what is the importance of having say, my wife, as a beneficiary on all of our accounts rather than it all falling to my will which has everything going to my wife (assuming she survives) me? I ask because I haven't changed anything with Capital One 360 nor anyone ...
by SrGrumpy
Mon Jan 07, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20184

Re: $40,000 in debt, bankruptcy seems to be the best option right now

I'd like to hear from Mrs. Geologist20. Can you put her online?
by SrGrumpy
Mon Jan 07, 2019 2:15 am
Forum: Personal Consumer Issues
Topic: world war one research
Replies: 7
Views: 699

Re: world war one research

Any ideas on how to research relatives from usa who were in the great war? familysearch.org will show their draft registration cards. If you have a Family Research Center (Mormons) nearby, they are the nicest people and they'll help out as well. Their computers have the (free) industrial versions o...
by SrGrumpy
Sun Jan 06, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone affected by the government shutdown?
Replies: 35
Views: 2985

Re: Anyone affected by the government shutdown?

Not to trivialize it, but I was affected by one government shutdown - I lose track, there are so many - when I wanted to visit the Herbert Hoover Presidential Library in Iowa. No can do.
by SrGrumpy
Sun Jan 06, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2577

Re: Carryon for 7-day FL vacation?

You can, unless you want to wear a new outfit every day. I wear same pair of jeans 3-4 days. Shirts 2-3 times. Wife and I find it easy to pack everything into carry ons for a 2 week vacation. Love the freedom of not waiting for check bags, possibly lost luggage and wheeling around a larger bag when...
by SrGrumpy
Sun Jan 06, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20184

Re: $40,000 in debt, bankruptcy seems to be the best option right now

JGoneRiding wrote:
Sun Jan 06, 2019 3:07 pm
I don't know if we lost the OP or not but I have one last piece of advice.
The poor chap's head is spinning. Buy/sell ... Move/stay ... Cut costs/Don't bother ... Plus, it's the weekend and he has a young family.
by SrGrumpy
Sat Jan 05, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20184

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Definitely see if you can find some kind of quick way to earn some extra money, but NOT any kind of MLM selling or anything that requires you to spend money upfront. I'm talking about something like participating in market research studies , working a temp job, selling some of your used kid stuff o...
by SrGrumpy
Sat Jan 05, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2577

Re: Carryon for 7-day FL vacation?

To those that travel 7+ days with a carry on, do you buy your liquids upon arrival or when you run out? In a quart bag I can't carry more than a few days worth of liquids (mouthwash, shaving cream, sunscreen, toothpaste, etc.). I don't bother with quart bags in the USA, but European airports are an...
by SrGrumpy
Sat Jan 05, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2577

Re: Carryon for 7-day FL vacation?

TSA agents search many bags during their shift and they usually change their gloves or they are suppose to change those gloves but the sleeves of their shirts still touch both clean and dirty clothes during their searches. Think about it. I am thinking: I don't think you should be flying. Or leavin...
by SrGrumpy
Sat Jan 05, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20184

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Water $100.00 -- Seems high as others have indicated. Perhaps coming up with a strategy to limit the number of loads of laundry needed. Maybe there are a bunch of taxes and fees and add-ons, and it's not entirely water usage? Failing that, there may be a leak somewhere. Failing that, two per shower...
by SrGrumpy
Sat Jan 05, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2577

Re: Carryon for 7-day FL vacation?

theplayer11 wrote:
Sat Jan 05, 2019 5:31 pm
Keepcalm wrote:
Sat Jan 05, 2019 2:18 pm
Am I dreaming to think I can get away with a carryon?
lol...we use carry ons for 2 week European vacations in the Winter
Likewise, but for 2-month European vacations (albeit not in Winter).

Have we come full circle? Packing like they do on Downton Abbey?
by SrGrumpy
Sat Jan 05, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20184

Re: $40,000 in debt, bankruptcy seems to be the best option right now

The one thing I have not heard mentioned is you should try to get a new job that pays more. The economy is still in good shape, see who might be hiring. A 20% pay increase would make a lot of your problems go away. Wouldn't change the mindset, though. Let's get the premium cable package. And an iPh...
by SrGrumpy
Fri Jan 04, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: New to "CC Game/Shuffle"- How do you effectively access CC offers?
Replies: 25
Views: 1806

Re: New to "CC Game/Shuffle"- How do you effectively access CC offers?

United Explorer 40K is not a good offer . Download the app and log in, and check united.com from time to time. I've seen offers in the app and on united.com for 60K or 70K miles for that same card. Seemingly, but the spend is only $2,000, and there's no AF the first year. I've seen offers with more...
by SrGrumpy
Fri Jan 04, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: New to "CC Game/Shuffle"- How do you effectively access CC offers?
Replies: 25
Views: 1806

Re: New to "CC Game/Shuffle"- How do you effectively access CC offers?

https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/ Continuously updated.... Yes, he's my guy. BTW, don't be in a rush to close out accounts as soon as you receive the bonus. And do as many Chase cards as possible first, because they will reject you if you have signed up for 5 car...
by SrGrumpy
Wed Jan 02, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: self employed tax question
Replies: 37
Views: 1161

Re: self employed tax question

Bones_Jones wrote:
Wed Jan 02, 2019 10:19 pm
so i'm paying whatever i make + 15.3%? :shock:
You can deduct part of the self-employment tax if that makes you feel a little better. But yeah ...
by SrGrumpy
Wed Jan 02, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1436

Re: Black licorice fans - suggestions?

minimalistmarc wrote:
Wed Jan 02, 2019 2:03 pm
I like RJ’s natural licorice. Very good quality
Great choice!

https://www.rjslicorice.co.nz/international-stockists/
by SrGrumpy
Wed Jan 02, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: What is the truth - paper towels vs. electric hand dryer?
Replies: 38
Views: 2278

Re: What is the truth - paper towels vs. electric hand dryer?

In western Europe, there's no choice - it's air dryers, and I hate them. I don't want to spend longer in the toilets than I need to, and they never dry my hands. So I resort to drying my hands with an airplane napkin, though I'm sure Purel and the like is probably better.
by SrGrumpy
Tue Jan 01, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Save expired passports?
Replies: 26
Views: 2165

Re: Save expired passports?

They can be useful for genealogy purposes. After all, they are legal documents that prove one's date and place of birth and when and where the owner traveled (possibly to visit relatives). Even if you aren't interested in genealogy (yet), your descendants may be at some point. (They will also love ...
by SrGrumpy
Tue Jan 01, 2019 2:23 am
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5593

Re: Shoes to wear with jeans to the office?

Too much thought put into this. Folks don't remember what you wear on your feet unless you are an obvious outlier on either end of the spectrum You mean everybody I walk past in a workplace environment isn't turning their head sideways in attempt to judge me on my footwear (this was seriously said ...
by SrGrumpy
Mon Dec 31, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Premium Rewards Airline Fee Credit
Replies: 14
Views: 1312

Re: Bank of America Premium Rewards Airline Fee Credit

I just received a new BoA Premium Rewards card. I've activated it, but can't see it online yet. I wanted to make use of the Airline Fee Credit of $100 for this year. Do I need to specify that the credit is with a particular airline (I do need to do that for Amex credit) or can I simply charge the a...
by SrGrumpy
Mon Dec 31, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1784

Re: Happy New Year Do you have plans?

No plans. In bed already (in SoCal).
by SrGrumpy
Sun Dec 30, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5593

Re: Shoes to wear with jeans to the office?

unclescrooge wrote:
Sat Dec 29, 2018 11:16 pm
Geneyus wrote:
Sat Dec 29, 2018 11:09 pm
Dress shoes with a tennis shoe bottom. I didn't even know these existed. Slap some gel inserts in 'em, and you're good to go.
Personally I think these are a travesty. But to each his own.
+1. I thought the photo was a spoof, something out of Seinfeld.
by SrGrumpy
Sat Dec 29, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5593

Re: Shoes to wear with jeans to the office?

Something with a nice animal hide? I have light-brown carpincho shoes and desert boots from Argentina. Love them. They're a cuddly rodent, and go well with jeans and all trousers. P.S. I like your idea of wacky socks, though I would probably ditch Star Wars - and, let me guess, you also have South P...
by SrGrumpy
Fri Dec 28, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand my wife's dental school loans
Replies: 26
Views: 2390

Re: Trying to understand my wife's dental school loans

I'm an MD (so obviously somewhat different) but wow... 600k is the largest medical related student debt that I have personally heard of. You will get good advice on this thread. Good luck This orthodontist is at $1 million-plus, although 40% of that is interest: DRAPER, Utah—Mike Meru, a 37-year-ol...
by SrGrumpy
Fri Dec 28, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13528

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

hdas wrote:
Fri Dec 28, 2018 10:57 am

Very interesting. Some in these forum are more papist than the Pope himself. Cheers. :greedy
Sad but true.
by SrGrumpy
Thu Dec 27, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2270
Views: 398069

Re: What are you up YTD? [Year To Date]

Not as bad as feared. Down 1.88% with no contributions. Moved to about 60% cash two months ago, on newsletter advice (Investech). T.Rowe Price health sciences has done the heavy lifting for me.
by SrGrumpy
Thu Dec 27, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9290

Re: What common everyday inconvenience have you intentionally suffered for frugality?

We suffer in the winter with no heat in the house, even though it's SoCal and obviously not life-threatening. We make do with beanie hats and scarves, sometimes gloves.
by SrGrumpy
Thu Dec 27, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7289

Re: Nice jeans for work with lowest average cost of ownership

stan1 wrote:
Wed Dec 26, 2018 9:12 am
Look at what brands and colors your bosses, colleagues and customers who have a body type similar to yours are wearing.
This is important. Dress as your bosses do. (Unless they take fashion tips from hip-hoppers.)
by SrGrumpy
Wed Dec 26, 2018 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Transfer on Death Question
Replies: 5
Views: 1009

Re: Vanguard Transfer on Death Question

So maybe the answer to your question is that Vanguard will not release the TOD funds until the recipients have set up Vanguard accounts, which will require their SS numbers. What if they are foreigners without S/S numbers? I have foreigners on my TOD accounts at T. Rowe Price. Guess I'd better find...
by SrGrumpy
Wed Dec 26, 2018 12:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781864

Re: U.S. stocks in free fall

Any negative nancy predictions for tomorrow? How about -2.5% SP 500 Volumes will be even thinner this week, so that's not out of the range of possibility at some point. But there'll probably be some folks snapping up (perceived) bargains, and a lack of developments from D.C. can only be a good thin...
by SrGrumpy
Tue Dec 25, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781864

Re: U.S. stocks in free fall

Any negative nancy predictions for tomorrow? How about -2.5% SP 500 Volumes will be even thinner this week, so that's not out of the range of possibility at some point. But there'll probably be some folks snapping up (perceived) bargains, and a lack of developments from D.C. can only be a good thing.
by SrGrumpy
Tue Dec 25, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 407
Views: 58143

Re: What NON frugal thing did you do today?

FIre Fighter wrote:
Tue Dec 25, 2018 6:47 pm
Splurged for the $7.99 wine from Trader Joe’s. Normally go for the $4.99 bottle.
Ooh, bye-bye, Lindemann's? I think that's a bridge too far for me right now.