Search found 978 matches

by Grasshopper
Sat Aug 17, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Scooter I sold to someone was abandoned
Replies: 11
Views: 1525

Re: Scooter I sold to someone was abandoned

In Arizona, Submitting a Sold Notice is a simple and quick online process:

Enter Vehicle and Seller's Information
Enter Buyer's Information and Date of Sale
View Confirmation
Provide Feedback
by Grasshopper
Sat Aug 17, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Where should we go for a week in November?
Replies: 18
Views: 1196

Re: Where should we go for a week in November?

I can only assume that you have been to Costa Rica or Panama both would suit your adventure some spirit.
by Grasshopper
Tue Aug 13, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Cashier's check with husband and wife's name
Replies: 12
Views: 1263

Re: Cashier's check with husband and wife's name

[/quote]
I don't even both with that when electronically depositing checks at USAA (via SmartPhone app) - I noticed they don't seem to care so I no longer bother, just scan both sides and that's it.
[/quote]

Same with CapOne we leave it blank on the reverse side.
by Grasshopper
Sun Aug 11, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 112
Views: 14764

Re: How do you afford to travel?

Social Security is my meal ticket to travel. At 68 the bucket list for active travel is getting full. Walking safari in Zambia this fall and hiking the Italian Dolomite next year, after that it's wait and see. :beer
by Grasshopper
Sun Aug 11, 2019 5:55 pm
Forum: Personal Investments
Topic: Withdrawals During Retirement - Yearly, Quarterly, Monthly?
Replies: 51
Views: 6316

Re: Withdrawals During Retirement - Yearly, Quarterly, Monthly?

jebmke wrote:
Fri Jul 26, 2019 8:16 am
I withdraw when I need cash to pay the bills coming due in the next 30 days.
This is us, withdrawal as needed, retired 13 years ago works fine.
by Grasshopper
Sat Aug 10, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Emergency medical insurance (Helicopter transport, etc)
Replies: 22
Views: 1872

Re: Emergency medical insurance (Helicopter transport, etc)

Call your local Fire/Rescue company ask them who gets used the most.
by Grasshopper
Sat Aug 10, 2019 7:32 am
Forum: Personal Investments
Topic: Complement to Vanguard Wellington Fund
Replies: 12
Views: 2308

Re: Complement to Vanguard Wellington Fund

I have a 2 fund portfolio consisting of all my tIRA and Roths in Wellington, and all my taxable in VT Total World. My 10 year personal performance was 9.2% from Vanguard's website. Retired for 13 years spend my taxable income, reinvest my tax deferred. I like VT for taxable because I can take capita...
by Grasshopper
Sat Aug 10, 2019 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Emergency medical insurance (Helicopter transport, etc)
Replies: 22
Views: 1872

Re: Emergency medical insurance (Helicopter transport, etc)

Where I live in SE Arizona, EMT's call a copter in for heart, head, and rattlesnake bites. There are 3 services in our area I subscribe to all 3 costs $150 for Ms G and myself. We will be on Medicare soon and I understand that it will pay for our future rides.
by Grasshopper
Tue Aug 06, 2019 2:48 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 96
Views: 8246

Re: Personal Flagship Representaive Going Away

I logged in to get my July statement and it still showed my rep. And I have 3 Vanguard coffee mugs.
by Grasshopper
Thu Jul 18, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Chromebook
Replies: 18
Views: 1286

Re: Chromebook

I have used Acer chromebooks for 6 years, Ms G uses one now that I longer wanted to be her IT guy for windoze.
by Grasshopper
Thu Jul 18, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 72
Views: 5063

Re: Box wine- update and recommendations?

I liked Botabox Old Vine Zinfandel, but haven't had it for a while, I have been drinking Barefoot Pinot Noir $8 for a 1.5 liter bottle.
by Grasshopper
Thu Jul 11, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 59
Views: 5096

Re: End of Support Chromebook

I just replaced an Acer 15 end of support 6/20 with a refurbished 15 from Acer Refurbished EOS 11/23 for $210. Looks brand new, showed it being power washed once. Ms G will keep her Acer going as she doesn't use except for mail and surfing.
by Grasshopper
Thu Jul 11, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 8966

Re: Who cuts your hair? And for how much?

I use to go to a place that would give me 2 fingers of bourbon while I waited. Except I always got hair in my drink so I gave it up. Now I use the dog clippers at home myself and my wife cleans up the back. Hey I retired at 54 so I don't have to dress for success. :beer
by Grasshopper
Sat Jun 22, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: your experience with tours (National Geographic, Smithsonian, REI, etc.)?
Replies: 11
Views: 1227

Re: your experience with tours (National Geographic, Smithsonian, REI, etc.)?

We like Country Walkers as an active, but classy tour company. You can do guided and unguided tours with them. We did a CA coastal walk with them unguided but with great accommodations. And did an Amalfi coast and Capri guided walk with them excellent all round. This fall we are doing a walking safa...
by Grasshopper
Fri Jun 21, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: how do you manage your cash flow in retirement
Replies: 28
Views: 3539

Re: how do you manage your cash flow in retirement

Not to complicate life for you but Cap One has a no fee checking account, free debit card with no foreign transaction fees. And link a 2% money market at CapOne to your checking and it will automatically transfer to cover any checks that clear no charge. Get alerts on charges and purchases when you ...
by Grasshopper
Fri Jun 21, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5866

Re: Tree stump, can't use a stump grinder. Solution?

I bought a sacrificial doubles bladed axe, that i just whacked at the roots all the way around not worrying about ruining the axe. Still have the axe. :beer
by Grasshopper
Wed Jun 12, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Ally Checking vs Capital One 360 Checking
Replies: 16
Views: 1575

Re: Ally Checking vs Capital One 360 Checking

I like CapOne checking, because I get a debit card with no foreign transaction fees. I like their free Billpay, I get free overdraft from my money market account so a big balance is not necessary. I can shut down my debit card when not using it. I think the phone app is really great.
by Grasshopper
Mon Jun 03, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3760

Re: Havasupai, Have a Sticker Shock

Yikes! I was there probably 20 years ago as part of a Grand Canyon walking/hiking tour and the Havasupai Lodge wasn't even up to Quality Inn standards - the room wasn't very clean, the hot water heater was definitely undersized for the number of rooms, and customer service was lacking. Tourism may b...
by Grasshopper
Mon Jun 03, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7393

Re: Do you drive old cars for long distance travels?

2009 GMC 1500 4 door PU, over 130K, drives like brand new, we make a 6 hour trip once a week.Take it in next week for the 4th 30K service.
by Grasshopper
Sat May 25, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 5223

Re: American Express lowered my credit limit

Ms G had her AmEx card limit chopped in half 30+ year cardholder. Chase and Discover have had a lot of 5% grocery quarters and that is about all we used it for.
by Grasshopper
Thu Apr 18, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Travel Tips -- Santa Fe, Taos, etc.
Replies: 32
Views: 1495

Re: Travel Tips -- Santa Fe, Taos, etc.

Rancho De Chimayo, 50 miles SE of Taos one of the best dining experiences I have ever had. Established, pueblo-style restaurant offering traditional New Mexican dishes & outside seating.

Rancho De Chimayo, 300 Juan Medina Rd, Chimayo, NM 87522

Do a BH search on this site a couple of good comments.
by Grasshopper
Wed Mar 13, 2019 3:50 pm
Forum: Investing - Theory, News & General
Topic: FYI Lead Time for Changing Soc Sec Auto Deposit
Replies: 1
Views: 274

Re: FYI Lead Time for Changing Soc Sec Auto Deposit

Same result here, I moved SS out of Wells Fargo a couple of years ago, and now I have to move it back in. :oops:
by Grasshopper
Sun Mar 10, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Preventive Care and Annual Physical 100% Covered but Charged?
Replies: 62
Views: 4233

Re: Preventive Care and Annual Physical 100% Covered but Charged?

Here in Arizona we can have blood workups without a doctors requisition. Plus my lab posts the results of most tests overnight on their website. I still get a message from my doctor about the results no charge.
by Grasshopper
Sat Mar 09, 2019 5:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59008

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Back to CapOne, I use two MM funds for 12 possible transfers. Also you can use a 360 MM to use as over draft on a 360 checking, 6 transfers/overdrafts per month still apply.
by Grasshopper
Sat Mar 09, 2019 1:39 pm
Forum: Investing - Theory, News & General
Topic: Do you have 1 or 2 numbers for expenses in retirement?
Replies: 59
Views: 4389

Re: Do you have 1 or 2 numbers for expenses in retirement?

Been keeping expenses tracked in Quicken since 1995. Retired 13 years at 54 and have a pretty good handle on our spending. So when I did my retirement calculation 15 years ago a figure of 6 digits was the max of our comfortable spending range. Our need to spend was a third of that, and our yearly sp...
by Grasshopper
Fri Mar 08, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: When to stop and settle at one place?
Replies: 34
Views: 4562

Re: When to stop and settle at one place?

We did 7 corporate moves in 11 years, arrived in the Phoenix area bought our "to retire home" on a small lake, citrus trees pontoon boat, palm trees. Retired 9 years later and moved to the Arizona southern sky islands. Go figure.
by Grasshopper
Thu Mar 07, 2019 6:07 pm
Forum: Investing - Theory, News & General
Topic: Why isn't tax gain harvesting suggested more often?
Replies: 33
Views: 2778

Re: Why isn't tax gain harvesting suggested more often?

My name is Grasshopper and I TGH, Background retired on SS no pension I take $40K to 50k TGH every year.I also do a little Roth conversions every year too. The way I look at it with SS and RMD's in a couple of years if I want/need to take some LTCG's that I may taking them at a lot more than 0%. I h...
by Grasshopper
Mon Mar 04, 2019 7:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59008

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

A sidebar here, so I am moving my VA autopay to Wells Fargo on my Citi Costco card. Something I have never seen before Citi wants my WFB logon information. Citi than logs in to my account at WFB checks my balance, all this while I am on the Citi website. :shock:
by Grasshopper
Thu Feb 28, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59008

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

Dear Flagship Representative Just want to share my displeasure with the discontinuing of VanguardAdvantage. This has been the one service that I have relied on for the past 10 or so years. Very sorry to see that the customer appears to come last. I believe I am at or near my 35th year with Vanguard....
by Grasshopper
Tue Feb 26, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax and form 2210: software bug?
Replies: 29
Views: 3919

Re: TurboTax and form 2210: software bug?

I filed 0n 2/16 TT premiere, I had a 2210 popup with a $466 refund with a $5 penalty, the 85% checked and no 2210 generated even in the worksheets. Who knows. :beer Oh Fed accepted in 1 hour.
by Grasshopper
Sun Feb 24, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Close my AT&T Universal Card?
Replies: 43
Views: 3592

Re: Close my AT&T Universal Card?

AT&T Universal card member since 1990. I just activated a 5 reward points for every buck, on dining, shopping, groceries, travel, and more up to $2500. So I don't see the end is near. I get this every year and get my $25 bonus.
by Grasshopper
Sun Feb 17, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: send in driver's license photo for new Capital One credit card
Replies: 42
Views: 4111

Re: send in driver's license photo for new Capital One credit card

I never have any room left on the back of my DL. I already have 4 dogs at this address and my medical air transport phone number in case I am incapacitated. :oops:
by Grasshopper
Fri Feb 15, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 80
Views: 9953

Re: Rodents ate my car!

Ground squirrels and mice cause this problem in my area, even with no food in the car. We learned to prop our hoods open a few inches with a stick when parking for more than a day or two. This seems to make the engine compartment less cozy and secure for the critters. It has worked very well here. +1
by Grasshopper
Mon Feb 04, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help Understanding State Foreign Tax Credit (AZ)
Replies: 2
Views: 249

Re: Help Understanding State Foreign Tax Credit (AZ)

Hello, This is my first year using the foreign tax credit, and I followed the instructions for using it on my federal return easily enough (my foreign income was low enough to be able to avoid the 1116 form), but I'm having a hard time understanding the instructions for my Arizona state return (AZ ...
by Grasshopper
Sat Feb 02, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Organizing Yubikeys
Replies: 11
Views: 1606

Re: Organizing Yubikeys

I have only 2 Yubi keys for everything, one original FIDO and one FIDO2 number that has a 2 on it.
by Grasshopper
Sat Feb 02, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Just did my taxes.
Replies: 38
Views: 2742

Re: Just did my taxes.

As unbelievable as it may seem the .50% gain in yield in bond/money rates in 2018 made my taxes increase from $0 to $650. But who's calculating. :beer
by Grasshopper
Wed Jan 30, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle Fraud? But how? What now?
Replies: 52
Views: 7924

Re: Zelle Fraud? But how? What now?

I have a CapOne checking just for travel. After every trip I transfer all but $10 to savings and lock the debit card down, until the next trip.
by Grasshopper
Tue Jan 29, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard consolidated 1099-DIV does not match the individual statements
Replies: 8
Views: 950

Re: Vanguard consolidated 1099-DIV does not match the individual statements

From Vanguards site, 1099-B tax information 1099-B brochure: A guide to reporting investment capital gains and losses PDF When it will be ready Mid-January for most mutual fund accounts.* Late January for brokerage accounts with only Vanguard mutual funds and/or ETFs and simple securities that don't...
by Grasshopper
Sun Jan 27, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Naples, Italy and along Amalfi coast
Replies: 36
Views: 2132

Re: Where to stay in Naples, Italy and along Amalfi coast

Did a Country Walkers trip in October 2018. Here is a list of our accommodations. I think that we got upgraded room because they get a lot of business. We pretty much gave every place a 4.5 star rating, package so I don't know about $$$$$$. We walked 10-14 miles per day on ancient roads from town to...
by Grasshopper
Sun Jan 27, 2019 1:56 pm
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 4847

Re: What was your first Vanguard fund or ETF?

1984 we had Prime and Windsor.
by Grasshopper
Fri Jan 25, 2019 3:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard stole $0.01?
Replies: 80
Views: 5901

Re: Vanguard stole $0.01?

KJVanguard wrote:
Fri Jan 25, 2019 3:03 pm
Pennies are so utterly worthless that you could pour them on the ground and nobody would bother to pick it up. It might be considered littering.

Where did I read about the guy that drilled holes in pennies because washers were 4 cents. :sharebeer
by Grasshopper
Sun Jan 20, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for International Travel
Replies: 51
Views: 3483

Re: Best Credit Card for International Travel

+1 on CapOne Quicksilver, my other travel card is Wyndham Barclays CC no fee, no FTF, chip and pin when needed. I have never had a fraud alert when traveling overseas with Quicksilver.
by Grasshopper
Fri Jan 18, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Advantage Account - Bill Pay
Replies: 4
Views: 557

Re: Vanguard Advantage Account - Bill Pay

I use my VA account for the 2 bills in my life without online billpay or accept credit cards, easy to set up.
by Grasshopper
Wed Jan 16, 2019 5:34 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 53621

Re: John Bogle is dead at 89

So sorry to hear, RIP Jack.
by Grasshopper
Wed Jan 16, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 18110

Re: Are You Dumping Netflix?

Let me see Netflix or nothing where I live, Netflix it is.
by Grasshopper
Tue Jan 15, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Roth Tax Accounts Distribution Code Errors
Replies: 16
Views: 706

Re: Vanguard Roth Tax Accounts Distribution Code Errors

I think the same thing holds true on (Box 11) of 1099-R 1st year of designated Roth contribution. Always unmarked in my yearly conversions.
by Grasshopper
Fri Jan 11, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 6032

Re: How did you solve the pre-medicare healthcare riddle?

Wouldn't help new early retires, But we were on private HI for years before retiring at 54/50. We were lucky to have a grandfathered policy that mostly just raised prices as we aged. Every time I did the math and also looked at income restriction and roth conversion possibilities I believe I chose t...
by Grasshopper
Sun Jan 06, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Career Switch Pt. 2 (IT > Fire Fighter)
Replies: 19
Views: 2156

Re: Career Switch Pt. 2 (IT > Fire Fighter)

Retired twice 2nd time as a Wildland FF at age 65. There are plenty of fire season jobs available here in SE Arizona. About 6 day FF training a fitness level test and annual refresher course is all that is required. Absolutely an advance fire behavior and a serious weather course I consider a minim...
by Grasshopper
Sat Jan 05, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody use Vanguard Advantage do you need 1 million to avoid fees?
Replies: 23
Views: 3342

Re: Anybody use Vanguard Advantage do you need 1 million to avoid fees?

I have used VA for 14 years, I autopay most all of my bills with it, or use billpay when I can't. I still have a brick and mortar bank which I use only for medical expenses, and a CapOne checking for international ATM travel cash. I like the CapOne checking I lock the debit card down when not travel...