Search found 872 matches

by Grasshopper
Mon Jun 18, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: STAR vs. 3-Fund Portfolio
Replies: 14
Views: 1379

Re: STAR vs. 3-Fund Portfolio

I really like STAR had it for a decade, and started getting killed on end of year capital gains. Plus trying to convert tIRAs and not knowing until the end of the month wasn't fun. Use STAR in a tax advantaged account especially with the bond allocation. I swapped out for ETFs.
by Grasshopper
Mon Jun 18, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7518

Re: New Capitol One 360 ACH limits

I'm not sure what the criteria is for seeing the "simplified" interface. I wonder if it has to do with having a credit card associated with your username? When my wife logs in, she sees the simplified user interface. She has a Capital One credit card. When I log in, I see the same old interface tha...
by Grasshopper
Mon May 14, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 14
Views: 669

Re: Considerations in selecting a hearing aid

Ms G and I are both starting our second year with Costco Resound aids. Make sure you get the executive membership. I think I am still on my first set of $17 batteries. Their audiologist are first class, it is all done by technology anyway. I go to them about every 3 months for a free cleaning and ne...
by Grasshopper
Wed May 09, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: SpecID for noncovered shares at Vanguard
Replies: 12
Views: 1045

Re: SpecID for noncovered shares at Vanguard

Just a true life story, YMMV. I have been selling gifted DRIP shares for the last 10 years. I had to reconstruct most of the cost basis from dividend dates and selling prices in historical data from the internet. I use a professional looking spreadsheet (not that hard) file online and send my spread...
by Grasshopper
Sun May 06, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Mobile Deposit Gone Wrong
Replies: 19
Views: 2822

Re: Mobile Deposit Gone Wrong

Yikes, when I make a mobile deposit I get an email/SMS alert, and when that deposit clears I get another email/SMS alert. Than I file the emails away until I get my statement. Never a problem. :beer
by Grasshopper
Wed May 02, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1420

Re: Flood Insurance

I never thought I would need it in the mountains of SE Arizona. Well luckily I had it at a free add on on my homeowners policy. Hurricane Odile changed that, what was normally a 20 ft wide wash in the monsoon season, became a 200 ft wide wash. Caused about $20K worth of damage to a sunroom.
by Grasshopper
Tue May 01, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2697

Re: What Android browser do you use?

Chrome on Chromebooks,
Chrome on W10 PC
Chrome on Android phones
Chrome on Android tablets
Bought a Nexus tablet 5 years ago Google gave me enough cloud space to last a lifetime. :beer
by Grasshopper
Tue May 01, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Vanguard Money Market Account Check wise
Replies: 15
Views: 1404

Re: Question on Vanguard Money Market Account Check wise

I use the Vanguard Advantage Account for our primary checking account. You can transfer to/from the account electronically from any other bank, and you can transfer money within your Vanguard accounts. It really functions like a checking account and the checks are drawn on a New York Mellon Bank. T...
by Grasshopper
Tue May 01, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Nontraditional Cruising
Replies: 21
Views: 2403

Re: Nontraditional Cruising

For small ship active cruising I like UnCruise Adventures. snorkeling kayaking hiking, rarely go to ports mostly small islands.

https://www.uncruise.com/destinations
by Grasshopper
Mon Apr 30, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3043

Re: Avocado Timing

Living 30 miles from Mexico, we always have 4 for a dollar avocados. $3 would buy 4 of each category of ripeness. I buy avocados a little hard/green 3 days in a basket when soft to the touch than to the fridge and use over the next couple of days. :beer
by Grasshopper
Mon Apr 30, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3043

Re: Avocado Timing

Living 30 miles from Mexico, we always have 4 for a dollar avocados. $3 would buy 4 of each category of ripeness. I buy avocados a little hard/green 3 days in a basket than to the fridge and use over the next couple of days. :beer
by Grasshopper
Thu Apr 26, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Denial- How to Proceed?
Replies: 12
Views: 1779

Re: Medicare Denial- How to Proceed?

If a lab procedure is "medically necessary", I have never had one denied. I have PSA tests done twice a year no problem, so I am not sure about the 1 year one day rule. :beer
by Grasshopper
Sun Apr 22, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 47
Views: 2900

Re: Vanguard Surveys

35 year Vanguard client, 15 year Flagship, I have never been asked to do a survey for them. :beer
by Grasshopper
Sun Apr 22, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6833

Re: Floating Net Worth w/ VT after 5 Years

I use 100% VT for my taxable account and Wellington with its bond component for 100% of my retirement accounts. A perfect 2 fund portfolio.
by Grasshopper
Thu Mar 29, 2018 6:58 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 19277

Re: A lot of heavy hitters this morning

Ms G.thinks we are poor, I don't tell her otherwise.
by Grasshopper
Tue Mar 27, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 5242

Re: CBP (INS) Global Entry program worth it?

We use the android app Mobile Passport, it really gets you through the lines fast, just a couple of old fuddy duddies we always get precheck.
by Grasshopper
Tue Mar 27, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Medicare - lab test and signing an ABN
Replies: 26
Views: 3622

Re: Medicare - lab test and signing an ABN

I like Sonora Quest, but there is one thing that throws me off. I had a test done and I had to either sign a ABN or pay out of pocket $30. Here in AZ we can get most common lab tests without a doctors request, so if I pay now the test is $30, but if it goes through billing the test is $130. Quite a ...
by Grasshopper
Sat Mar 24, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3467

Re: changing my signature when signing checks and credit card receipts

My favorite is having to sign docs with your full name and full MI. Mine is sorta cursive fist and last with MI printed. For my passport renewal I had to practice my signature. :oops:
by Grasshopper
Sun Mar 18, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: What address do people put if they live in their car?
Replies: 37
Views: 5244

Re: What address do people put if they live in their car?

In the 70's in the bay area I was going to school living on the beach in my VW bus and taking showers in gym. I would have my mail sent to general delivery Pacifica CA.
by Grasshopper
Sun Mar 18, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4368

Re: Does credit score matter if you never plan to borrow money again?

One thing I didn't see is insurance costs are sometimes based on credit scores.
by Grasshopper
Fri Mar 16, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Septic Maintenance Routine
Replies: 24
Views: 1669

Re: Septic Maintenance Routine

We had our 2 tank 1000 gal septic inspected at our house purchase 12 years ago. 2 adults, no disposal, no dishwasher, showers as needed. Finally had our tanks pumped after 11 years, our guy said we were close but OK. I will get it pumped out in 5 years and see how it looks $250.
by Grasshopper
Wed Mar 07, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to get spare car keys
Replies: 32
Views: 4210

Re: Cheapest way to get spare car keys

Ace Hardware if you (she) have one near. They didn't even need the code, they have some magic box that reads the code from your other key. Mine was for a 2010 Honda Fit, and it cost $90 but the dealer was at least double that. Took about 30 minutes from start to finish (a couple trips out to the ca...
by Grasshopper
Sat Mar 03, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: Didn't get alerts from Vanguard
Replies: 14
Views: 2219

Re: Didn't get alerts from Vanguard

Made a ETF sale and immediately received a text on my phone at execution.
by Grasshopper
Wed Feb 28, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Enhanced Social Security Card Scam
Replies: 4
Views: 679

Re: Enhanced Social Security Card Scam

Remember the good old days, you could order by mail an engraved SS card, who would do that today! :oops:
by Grasshopper
Wed Feb 21, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2517

Re: Seeking Cruise Suggestions

For an active cruise look at UnCruise Adventures, even to places you have been before you will experience in a whole new way. Our favorites were, the Hawaiian Islands 4-5 different islands, Baja California, Galapagos, Costa Rica/Panamá, Alaska.
by Grasshopper
Fri Feb 16, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7649

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

I pay $48 a year under/uninsured $100K/$300K, I live 30 miles from Mexico and I drive to shop 1/2 mile from the border. Cheap insurance for me.
by Grasshopper
Mon Feb 05, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: What is the best place to buy pet food online?
Replies: 28
Views: 2737

Re: What is the best place to buy pet food online?

We use Chewy, or Jet, both have great prices good service and coupons to boot.
by Grasshopper
Mon Jan 29, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for an emergency cell phone to keep in car....
Replies: 35
Views: 2409

Re: Looking for an emergency cell phone to keep in car....

Another FreedomPop user, bought a phone for $30, I get 200 free minutes 500 texts and 500mb data free every month. I do buy data rollover for $3.99 a month, for travel. Mostly used at home on wifi.
by Grasshopper
Fri Jan 26, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1980

Re: Machu Picchu and Galapagos in late March 2019

We did both trips in May/June 2016. We booked a cruise with UnCruise Adventures (La Pinta 48 guests) saw all the east islands, had an excellent time. We also booked Machu Picchu as an add on after the Galapagos with UnCruise again, Sacred Valley, and MP there is a lot to see there, we really enjoyed...
by Grasshopper
Fri Jan 26, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5780

Re: Pizza delivery asked for security code on my credit card with order

Get a CapOne CC, get virtual numbers (one time use) off your computer, and get a text when your CC is used without the card in hand.
by Grasshopper
Tue Jan 23, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Passport renewal and usage- what's the scoop?
Replies: 33
Views: 3088

Re: Passport renewal and usage- what's the scoop?

Ms G was able to return from Mexico with just a DL, when she gave Border Patrol a passport that was mine. Now she checks.
by Grasshopper
Sun Jan 21, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 3143

Re: what is the best mouse poison?

I use snap traps with peanut butter and a half a dozen sunflower seeds, they can't resist.
by Grasshopper
Sat Jan 13, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 3250

Re: Trying to help acquaintence - medicare costs

How about MyMedicare.gov, it is all right there under all current plans and insurance
by Grasshopper
Thu Jan 11, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Noise in my attic
Replies: 307
Views: 79562

Re: Noise in my attic

I grew up and have lived in southern Arizona for 60+ years. As a kid I lived about 1.5 miles from the Air Force base and the end of the run way. Sonic booms occurred all the time. F100s routinely "went ballistic" at the end of the runway. It was fantastic watching those big jets hit the after burne...
by Grasshopper
Wed Jan 10, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Help gmail security question
Replies: 27
Views: 1749

Re: Help gmail security question

How about a YubiKey on Google and VG accounts.
by Grasshopper
Tue Jan 09, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: migrating from Chrome to LastPass for password management
Replies: 12
Views: 1528

Re: migrating from Chrome to LastPass for password management

I use Smart Lock on my android phone to log on to my Chromebook, use a YubiKey as security on my Google account.
by Grasshopper
Sun Jan 07, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 2135

Re: Muir Woods (California) requires reservations.

If you have the time hike in from Muir Beach, we did this in September, lots of parking, walking makes you appreciate the local area. Today’s walk combines open trails with sweeping panoramas and wooded paths as you leave the Golden Gate National Recreation Area and enter Mount Tamalpais State Park....
by Grasshopper
Sat Dec 23, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you include your house in your net worth if you own it outright?
Replies: 89
Views: 7259

Re: Do you include your house in your net worth if you own it outright?

I included my pre retirement home, that was sold to buy my retirement adobe which I don't include. If I didn't what would I call the buckets of money left over from downsizing and moving to a LCOL.
by Grasshopper
Sun Dec 17, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Auto and homeowner insurance ... How often do you switch?
Replies: 22
Views: 1920

Re: Auto and homeowner insurance ... How often do you switch?

I keep everyone honest by getting quotes every 3-4 years, depending on the current rate increase.
by Grasshopper
Sat Dec 16, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8780

Re: Year end review with less nerdy spouse

I have all the families investments in Vanguard or have them set up as outside accounts. So I log in show her the 10 year performance of our investments in a chart, she looks at the chart looks at the balance says good job, voila. :beer
by Grasshopper
Fri Dec 15, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Home owner liablity questions - parcel delivery
Replies: 19
Views: 2116

Re: Home owner liablity questions - parcel delivery

Yikes, this time of year UPS is coming to the ranch in the dark, drives through 2 gates and a quarter mile of 2-track. Last week on a freeze warning night he delivered some pet meds right to our door instead of leaving in a bin for late night drops. Gotta love them, at least the rattlesnakes are all...
by Grasshopper
Fri Dec 15, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?
Replies: 26
Views: 2885

Re: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?

We retired in 2006 ages 54/50 I have used Quicken for years and knew where every penny went. We downsized to a quiet rural place and thought our budget was in place. Well 2007 came and went along with a big pot of our money. But our expenses were low and we came out of it in great condition. When I ...
by Grasshopper
Thu Nov 23, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card Change in Terms
Replies: 28
Views: 3155

Re: Discover Card Change in Terms

Another 1986 Discover card member, I only use Discover for the 5% categories and Chase Freedom seems to use the same categories some quarters so I had not been using the card much. So in the mail I get the Discover it card can't remember the explanation this past summer. Includes all the goodies lik...
by Grasshopper
Tue Nov 21, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 11985

Re: What are the things you want to do between 55 and 65?

Ms G. and I retired in 2006 ages 50 and 54, I am now 66 bought a rancho 30 miles from Mexico. We are both active, hiking, running, walking, have lots of critters to keep us busy. Currently we only take active trips, cruising on small ships, kayaking, snorkeling, hiking. We are also starting walking ...