Search found 1000 matches

by Grasshopper
Sun Nov 10, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: House for Sale--How Much to Tell Potential Buyer
Replies: 35
Views: 2807

Re: House for Sale--How Much to Tell Potential Buyer

You won't believe this but I had a disclosure on my buyers sheet that listed a neighbor. It seems he sued everyone for just about anything, we get along fine I only see him when he is out mending fences. I guess the old saying that good fences make good neighbors apply. By the way the disclosure nev...
by Grasshopper
Sat Nov 02, 2019 5:13 pm
Forum: Personal Investments
Topic: Nice surprise from Computershare after transfer to VG
Replies: 10
Views: 1634

Re: Nice surprise from Computershare after transfer to VG

Not to be mean spirited, but I was never that lucky when I transferred some drips into VG. I had my own numbers but would have liked a CS hard copy when it came to LTCG and STCG.
by Grasshopper
Sat Nov 02, 2019 2:11 pm
Forum: Personal Investments
Topic: Why can't I break up with Wellington? (Roth Conversion question)
Replies: 17
Views: 2164

Re: Why can't I break up with Wellington? (Roth Conversion question)

I keep it simple all tax deferred in Wellington, taxable in Total World and use Total Bond to balance my allocation. So when I convert to Roth's it is just moving shares around, easy peasy.
by Grasshopper
Wed Oct 30, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3021

Re: Unnecessary blood tests

Concerning unnecessary urine tests at the urologist, I checked my last MSN from my last visit and my doctor actually looked at my urine specimen with a microscope, did a test strip and was paid $3.52. All to make sure that an infection wasn't the cause of my condition. If there was a ripoff I think ...
by Grasshopper
Tue Oct 29, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Part D Drug Plan - chemotherapy drugs not covered?
Replies: 10
Views: 1216

Re: Part D Drug Plan - chemotherapy drugs not covered?

Luckily, neither one needs these (knock wood!) but ewhat happens if one DOES need them? Why be worried under those circumstances? With that thought process you could search around for all kinds of things that, knock on wood, could happen. New on Medicare Ms G thought the same thing when researching...
by Grasshopper
Mon Oct 28, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Favorite brand of tofu?
Replies: 7
Views: 623

Re: Favorite brand of tofu?

We only use hard block tofu, our favorite is Trader Joe's sprouted tofu.
by Grasshopper
Sat Oct 26, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship clients no longer have a personal rep
Replies: 48
Views: 3972

Re: Flagship clients no longer have a personal rep

Made me look I have a new rep in the last 30 days, has held an industry securities registration for 20 years and is subject to FINRA oversight.
by Grasshopper
Sat Oct 26, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4825

Re: First Republic Bank doesn’t have physical coins

The last time I saw/used a one dollar coin was Equador.
by Grasshopper
Sun Oct 20, 2019 6:50 am
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7298

Re: what was vanguard like before the internet?

My first MF was Windsor mailing my check in with a prepaid envelope. I think it was a while before Vanguard would let you view your account on line, but you could only do this with with an AOL account. I guess that Vanguard didn't trust the "web" but America On Line had a direct connection to Vangua...
by Grasshopper
Wed Oct 16, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4113

Re: How much do you spend on cellular annually?

Ms G and I have Freedompop prepaid 1 year unlimited calls and text 1GB data per month. I paid $39.99 at Best Buy for my SIM she paid $49.99 for hers. We use a lot of wifi calling through FP app, and use Google Voice, because the quality is so good. Bottom line we never go over our 1GB data. $90 a ye...
by Grasshopper
Sun Oct 13, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: 1 week camping tour, Phoenix-El Paso, suggestions?
Replies: 21
Views: 1210

Re: 1 week camping tour, Phoenix-El Paso, suggestions?

This is a great place to camp, the route selected is 10 miles longer than I-10 to Tucson, but a nicer drive. https://www.tripadvisor.com/Attraction_Review-g60950-d149481-Reviews-Catalina_State_Park-Tucson_Arizona.html 1 h 56 min (118 miles) via US-60 E/Superstition Fwy and AZ-79 S Phoenix Arizona Ge...
by Grasshopper
Sun Oct 13, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: 1 week camping tour, Phoenix-El Paso, suggestions?
Replies: 21
Views: 1210

Re: 1 week camping tour, Phoenix-El Paso, suggestions?

On the way from El Paso to PHX stop at the Chiricahua Mountains. This my home PM for additional info.

http://www.friendsofcavecreekcanyon.com/area-overview/

https://www.fs.usda.gov/recarea/coronad ... ecid=77511
by Grasshopper
Sat Oct 12, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Error OL-221-A
Replies: 13
Views: 1115

Re: Quicken Error OL-221-A

I have direct connect, and have no problems, but no transactions since 10/2.
by Grasshopper
Thu Oct 10, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8053

Re: My mechanic just wrecked my car - advice?

After talking with your insurance company if it was me I would check my C.L.U.E. report it see if it was reported in 6 months.

https://personalreports.lexisnexis.com/ ... losure.jsp
by Grasshopper
Thu Oct 10, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6228

Re: Hotel mini bar - rude to use for own stuff

I throw the hotels off by sometimes leaving one of my beers in the mini bar. :beer
by Grasshopper
Thu Oct 10, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9461

Re: Do you carry your passport with you during international travel?

I always carry my passport on me. We do a lot of walking travel, where we walk and our luggage is transferred to a new location. Just returned from a Zambia safari walking 5-6 miles in the morning to a new bushcamp every other day, no lock boxes anyway. I never thought to have a photo copy of my vis...
by Grasshopper
Tue Oct 08, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2646

Re: Find my phone -- easy way to find it when lost in the house?

I spent $20 for aTile attached to my tortoise, let it go on the ponderosa and have no problem finding it on cool nights.
by Grasshopper
Mon Oct 07, 2019 6:53 am
Forum: Personal Investments
Topic: All in on VT?
Replies: 30
Views: 4670

Re: All in on VT?

I am 100% VT in my taxable account, and 100% Wellington VWENX in my tax advantaged, for my bond allocation. Easy peasy.
by Grasshopper
Fri Sep 06, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: A bike tour from Bolzano to Vienna (update: photos added)
Replies: 17
Views: 1590

Re: A bike tour from Bolzano to Vienna (3rd and final report added)

Thanks for the travelog as we are hiking the Italian Dolomites next fall, some of our locations are the same.
by Grasshopper
Wed Aug 28, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13490

Re: Personal Flagship Representaive Going Away

I only used my still with me FR to set travel notifications on my Vanguard Advantage debit card. I am sure he is lonely waiting for an email from me. :D
by Grasshopper
Tue Aug 20, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Chronic Conditions and Wellness Exams
Replies: 24
Views: 1801

Re: Question on Chronic Conditions and Wellness Exams

I have seen my Internist for 4 annual wellness visits on Medicare. Her MA does all the heavy lifting, and then my internist spends 20 minutes asking about me about my not so chronic, chronic issues. She orders blood work asks if I need any prescription refills, and then off I go never to be billed ...
by Grasshopper
Tue Aug 20, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Question on Chronic Conditions and Wellness Exams
Replies: 24
Views: 1801

Re: Question on Chronic Conditions and Wellness Exams

I have seen my Internist for 4 annual wellness visits on Medicare. Her MA does all the heavy lifting, and then my internist spends 20 minutes asking about me about my not so chronic, chronic issues. She orders blood work asks if I need any prescription refills, and then off I go never to be billed f...
by Grasshopper
Sat Aug 17, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Scooter I sold to someone was abandoned
Replies: 11
Views: 1640

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: 1367

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: 1353

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: 116
Views: 16303

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: 7493

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: 32
Views: 3084

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: 2474

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: 32
Views: 3084

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: 126
Views: 13490

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: 1435

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: 73
Views: 6058

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: 68
Views: 6894

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: 10212

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: 1287

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: 3694

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: 6155

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: 1744

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: 3838

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: 7759

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: 5520

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: 1608

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: 300

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: 4421

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: 63189

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: 4562

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: 4600

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: 2852

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: 63189

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: