Search found 1004 matches

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: 4621

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: 4637

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: 2873

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: 64841

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: 64841

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: 4081

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: 5981

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: 7005

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: 10249

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: 271

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: 1688

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: 2860

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: 8523

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: 1027

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: 2271

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: 5290

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: 6257

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: 3712

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: 579

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: 58143

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: 19241

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: 732

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: 6238

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: 2229

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: 3405

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...
by Grasshopper
Fri Jan 04, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 153
Views: 9307

Re: What Do You Spend The Most On Annually?

Travel
Medical
Groceries
Pets
After these all our other expenses are less than 1%
by Grasshopper
Thu Jan 03, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Career Switch Pt. 2 (IT > Fire Fighter)
Replies: 19
Views: 2229

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 minimu...
by Grasshopper
Thu Dec 27, 2018 6:41 pm
Forum: Personal Investments
Topic: Strange Vanguard download to Quicken
Replies: 11
Views: 485

Re: Strange Vanguard download to Quicken

44V....... reminds me of a brokerage account number from ye olde daz.
by Grasshopper
Tue Dec 18, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 3310

Re: Holiday Card [from Vanguard]

Housedoc wrote:
Tue Dec 18, 2018 9:59 am
If you send VG a direct message on twitter requesting a mug they will send you one in the past. Include address info.
+! or replace a broken coffee mug, Facebook too.
by Grasshopper
Tue Dec 18, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2548
Views: 473367

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

Retired 14 years coming up, age late 60's. Down 2.80 YTD on stocks/bonds 50% of my portfolio, up about 1.75% on 50% cash/CD's. Good guess would say -1% altogether YTD. :beer
by Grasshopper
Tue Dec 18, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 3310

Re: Holiday Card [from Vanguard]

yousha wrote:
Mon Dec 17, 2018 10:33 pm
Several years ago, I received a Vanguard coffee cup for participating on their Blog.
Me too, I now have a bountiful 4 free Vanguard mugs, about six years ago I got a 30 year client thank you card. :sharebeer
by Grasshopper
Mon Dec 17, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file an insurance claim?
Replies: 6
Views: 954

Re: Should I file an insurance claim?

Get your free C.L.U.E. report and see if the accident is listed. C.L.U.E. Personal Property Report DESCRIPTION: Report includes your C.L.U.E. Personal Property loss history, inquiry history, and information on how to dispute the claims in your report. https://personalreports.lexisnexis.com/fact_act_...
by Grasshopper
Wed Dec 12, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 22796

Re: What Happened to you during the Financial crisis of 2007–2008

I was 54 just retired sold my home and moved to the mountains in southern Arizona. Our new place was 1/3 of the price of the home we sold. We were well into 7 figures before the house sale, so we just left a big chunk of cash in prime paying 5% at the time, more than enough for us. Even with all thi...
by Grasshopper
Wed Dec 05, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Sign Up
Replies: 22
Views: 2312

Re: Medicare Sign Up

Changed supp F to G in 2018, and Humana D to Aetna for 2019.
by Grasshopper
Sat Dec 01, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: Wellington Management Company LLP
Replies: 2
Views: 785

Re: Wellington Management Company LLP

Thanks for the info. :beer
by Grasshopper
Thu Nov 29, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: $25k -18 days Galapagos & Machu Picchu Trek (family of 4).
Replies: 32
Views: 3574

Re: $25k -18 days Galapagos & Machu Picchu Trek (family of 4).

Take a deep breathe and make the reservation, you will be glad you did it. Did 18 days Galapagos/Machu Picchu in 2016 paid $25k for 2 adults only.
by Grasshopper
Wed Nov 28, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: RedPocket - any reason not to use Verizon?
Replies: 12
Views: 1165

Re: RedPocket - any reason not to use Verizon?

This is what we do, my Moto e4 on FreedomPop ATT $49 a year free calls free messages 1gb data per month. MsG has an older LTE CDMA Moto on Freedom Pop with the free service but spend $4 a month to roll her unused data, which she than shares with me. Works for us as most of the month we are using wif...
by Grasshopper
Wed Nov 28, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Confused about the Vanguard cap gains distribution estimates
Replies: 14
Views: 1533

Re: Confused about the Vanguard cap gains distribution estimates

Grasshopper wrote:
Wed Nov 28, 2018 9:08 am
Also another reason to use ETF's in taxable, they don't have to throw off capital gains.
by Grasshopper
Wed Nov 28, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Confused about the Vanguard cap gains distribution estimates
Replies: 14
Views: 1533

Re: Confused about the Vanguard cap gains distribution estimates

Also another reason to use ETF's in taxable, they don't have to throw capital gains.
by Grasshopper
Wed Nov 28, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 188
Views: 16227

Re: Quicken 2019 and forward

[/quote] Thanks. My latest download summary as follows: 2 banks and 1 credit card fail all the time. Vanguard is 1/2 correct in the transactions, I end up fixing them. I suspect when the time comes I will manually update. [/quote] Qkn 2019 seemed to fix my Vanguard brokerage downloads, I use VAdvant...
by Grasshopper
Tue Nov 27, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 188
Views: 16227

Re: Quicken 2019 and forward

I paid $30 in February this year for one year, plus a bonus of a couple of months. Can't remember the whos or whats.
by Grasshopper
Sun Nov 25, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Galapagos Islands-Land based day tours worth it?
Replies: 9
Views: 834

Re: Galapagos Islands-Land based day tours worth it?

Cruise yes, smaller is better some islands limit the number of folks on the island. So many shifts of people to and from an island may limit your enjoyment. June 2016
by Grasshopper
Mon Nov 19, 2018 7:19 am
Forum: Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8782

Re: Current Retirees: Do you touch your principal?

Thirteen years into retirement and late 60's in age, no I can't live on SS and dividends alone. That being said after 13 years my principle has increased by neatly another million bucks and we have spent $150,000. in travel in that time period. Plus I have no one to leave the wad of cash to. :beer
by Grasshopper
Fri Nov 16, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3908

Re: Home sale etiquette: wall repair

I always patch and have sold 8 homes, I always paint the whole interior in eggshell white on moving in, a bit of spackle fixes everything.
by Grasshopper
Mon Nov 12, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 2336

Re: 20th Anniversary vacation ideas wanted

Costa Rica and Panama Canal, Delta nonstop LAX to SJO 5 1/2 hours. This is a great cruise do as little or as much as you like. Ms G and I did this in our 60's and had a blast all inclusive.

https://www.uncruise.com/destinations/c ... nal-cruise
by Grasshopper
Tue Nov 06, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1236

Re: Household statements

Weird. I called them and the Flagship rep told me that their system is not currently supporting household statements and he did not know when they would be reactivated. If that is really the case I am surprised no one else here is having the same issue...I dunno... I have a vague memory (don't hold...
by Grasshopper
Wed Oct 31, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: Scottsdale Arizona is there heartworm disease?
Replies: 5
Views: 928

Re: Scottsdale Arizona is there heartworm disease?

No but worry about Valley Fever, with all the construction going on.

https://www.tripsavvy.com/valley-fever-in-dogs-2679918