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Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

The Intuit Mess up -- picked up on USA Today: http://americasmarkets.usatoday.com/2015/01/22/turbotax-admits-mistake-pays-customers/ My sense is that they didn't expect the blow back and so are caught on their heels. I'm fine moving forward with TaxACT although I've used Turbotax for over a decade....
by Blues
Sun Jan 25, 2015 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 196
Views: 26650

Re: "When you've won the game, stop playing"

There's a huge difference between these scenarios: 1) Your RLE is $20,000, you're 65, and your retirement account is $1 million. In this case, you've won the game, but need to avoid both a market meltdown and runaway inflation. The article mentions people who had the game won, but then lost it. The...
by Blues
Wed Jan 21, 2015 8:34 am
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8248

Re: "When you've won the game, stop playing"

Dr. Bill's approach to risk management has been a tremendous help over the years with both our understanding and approach to investing as well as the results thereof. We are happily in the "won the game" category and have been able to reduce equity exposure to a very comfortable level whic...
by Blues
Wed Jan 21, 2015 8:28 am
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8248

Re: Treasury Direct Question

The TD website is just a joy. It's like playing "Russian Roulette". :oops: Half the time I go to log on, it may or may not respond with a message that my account number is not valid. Then I'll reinput the exact same info and it'll go through. (Either then or an hour later after I've used u...
by Blues
Tue Jan 20, 2015 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Question
Replies: 6
Views: 527

Re: Taxact ultimate version $6

Blues... That is interesting. Are you saying you think it's a scam? Obviously this is personal information we would all be putting in. I hesitate to answer one way or the other since I have no info other than the reply rec'd from TaxAct. Since I had no intention of going through the time and bother...
by Blues
Thu Jan 15, 2015 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 45
Views: 2698

Re: Taxact ultimate version $6

FWIW...I contacted TaxAct customer service as I had recently paid up front for the online version and wanted to see if I was entitled to a partial credit. (In order to use their telephone tech support you must have a paid product, which is why I prepaid before filing. There was a glitch I wanted to ...
by Blues
Thu Jan 15, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 45
Views: 2698

Re: Alternatives to TurboTax

TaxAct. Switched from TT about 10 years ago and haven't looked back.
by Blues
Wed Jan 14, 2015 8:11 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to TurboTax
Replies: 26
Views: 2683

Re: What Book Are You Currently Reading? Part VI

Wolf Hall by Hilary Mantel Victoria If you enjoy the book, as I did, I strongly recommend that you try "Bring Up The Bodies" which I enjoyed just as much as (if not more than) "Wolf Hall". I am eagerly awaiting "The Mirror And The Light", the final book of the trilogy.
by Blues
Sat Jan 10, 2015 5:18 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 436
Views: 56390

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I'm glad to see them get their comeuppance (at least to some degree). As I had mentioned previously, I was all in with Quicken and TT for several years until their business model proved over and over that the needs, wants and wallets of their customer base were low priority and took a back seat. I h...
by Blues
Fri Jan 09, 2015 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 196
Views: 26650

Re: What Book Are You Currently Reading? Part VI

"A Death In Vienna" by Daniel Silva.
by Blues
Fri Jan 09, 2015 5:37 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 436
Views: 56390

Re: Advice For Friend: % In Equities (Post Retirement)

I'd argue that going much lower in stock allocation increases the risk that they'll lose ground to inflation over the long haul. As far as ability to take risk, they probably could without a big worry but with low need and low willingness I don't think ability is the controlling issue. Seems like w...
by Blues
Fri Jan 09, 2015 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice For Friend: % In Equities (Post Retirement)
Replies: 7
Views: 554

Re: Advice For Friend: % In Equities (Post Retirement)

It sounds for this person (maybe not the spouse) that willingness to take risk is the only factor that matters. There is no real accurate way to measure that but I think considering how much he can tolerate to lose in a crash is a place to start - Adrian's Rule. If he can only tolerate a 15% portfo...
by Blues
Fri Jan 09, 2015 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice For Friend: % In Equities (Post Retirement)
Replies: 7
Views: 554

Re: Advice For Friend: % In Equities (Post Retirement)

In any case the format would be to get one of Larry Swedroe's recent books and learn about need, ability, and willingness to take risk with investments. Good advice but I'm afraid it will go unheeded. I'm a big fan of Larry's books and philosophy (especially) in regard to risk (and employ it heavil...
by Blues
Fri Jan 09, 2015 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice For Friend: % In Equities (Post Retirement)
Replies: 7
Views: 554

Advice For Friend: % In Equities (Post Retirement)

Wanted to share some opinions with a former colleague of mine so he gets some (unbiased) thoughts other than my own. Like myself, he is a retired federal employee with a fixed pension. Pension and other guaranteed sources of income exceed their expenses and there are adequate survivor benefits and i...
by Blues
Fri Jan 09, 2015 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice For Friend: % In Equities (Post Retirement)
Replies: 7
Views: 554

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

joe8d wrote:About time for the IRS to offer a Free Complete Tax Program online.


Maybe instead of a box on the 1040 asking if one wants to contribute to Presidential election campaign funds we can elect to put tax dollars toward accomplishing that very goal.
by Blues
Thu Jan 08, 2015 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 196
Views: 26650

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

kinda makes ya wonder if turbo tax understands the definition of "deluxe". de·luxe dəˈləks/ adjective luxurious or sumptuous; of a superior kind. "a deluxe hotel" synonyms: luxurious, luxury, sumptuous, palatial, opulent, lavish; * (*unless you require the incredibly exotic and ...
by Blues
Thu Jan 08, 2015 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 196
Views: 26650

Re: Chromebook dedicated to finances?

Toons, Just by using a Chromebook you're probably more secure than most people. You might consider visiting your financial websites from a Chrome OS user that has no extensions installed, except maybe LastPass. It could be a user that is only for finance websites. This is precisely what I do. (As, ...
by Blues
Wed Jan 07, 2015 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3751

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I wish TurboTax's prices were more straightforward and easier to understand. ...or for $17.99 (current pricing) one can use TaxAct Online (Ultimate) and file both federal and state (included in the price). Not denying that TT is a useful app...I used it for a few years...but the intentional obfusca...
by Blues
Mon Jan 05, 2015 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 196
Views: 26650

Re: I-Bonds purchased monthly can be redeemed when?

Just to be clear, each monthly purchase creates a new redemption period for that purchase? Correct. Each bond purchased must be held for a 12 month period before it is eligible for redemption. So if you purchase 12 over 12 months, they will each be redeemable a year from the month of their purchase.
by Blues
Mon Jan 05, 2015 11:37 am
 
Forum: Investing - Theory, News & General
Topic: I-Bonds purchased monthly can be redeemed when?
Replies: 10
Views: 747

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I don't blame Intuit for a $10 price increase (requiring Premier instead of Deluxe) to get Schedule D. The tax laws have gotten more complicated requiring more costly programming and error checking. (I cannot believe there is a three page thread complaining about a $10 increase.) Call me crazy but ...
by Blues
Sun Jan 04, 2015 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 196
Views: 26650

Re: Yet another study on why not to buy long term care insur

It all seems pretty simple to me. If you can "afford" to pay for a nursing home stay of 5 years without any great impact on your finances, then you don't need to buy insurance. If you can't afford it but you can afford the insurance premiums, you should consider getting the insurance. $75...
by Blues
Sun Jan 04, 2015 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another study on why not to buy long term care insurance
Replies: 61
Views: 4474

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I can't say I'm surprised to see this topic. I was a Quicken user for years (from the early 90's) and got fed up with Intuit's tactics in trying to force folks (yearly) into new or upgraded versions. I can't even remember how many years I used the '98 version when it replaced my original version aft...
by Blues
Sun Jan 04, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 196
Views: 26650

Re: Do you keep manuals/packaging for products you buy?

I keep many of them. Some in the original paper format and others gathered online. It really can be a big help when trying to troubleshoot an issue or find a part. I very rarely sell items online but having original packaging and materials can bring a premium as well. I also have the original carton...
by Blues
Sun Jan 04, 2015 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Do you keep manuals/packaging for products you buy?
Replies: 34
Views: 2046

Re: Paper Statements

We've cut down on a lot of the paper but still get at least annual statements. I guess for those of us who remember bankbooks and had parents who lived through the Depression it seems hard to let go of that piece of paper validating our claims. :)
by Blues
Sun Jan 04, 2015 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3391

Re: Yet another study on why not to buy long term care insur

Browser, I don't know what current premiums are for folks just applying (at various ages and health etc), but in our case, we pay under $1500 per year (jointly) with a top company for policies which include inflation protection, shared benefits and several other bells and whistles. If I invested tha...
by Blues
Sun Jan 04, 2015 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another study on why not to buy long term care insurance
Replies: 61
Views: 4474

Re: Yet another study on why not to buy long term care insur

We've had it for years (purchased early at a very competitive rate) and it'll be an expense I'll happily continue to pay while hoping I never, ever have to take out and dust off the policy.
by Blues
Sun Jan 04, 2015 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another study on why not to buy long term care insurance
Replies: 61
Views: 4474

Re: Chromebook dedicated to finances?

Also, my past experience is that the online programs are very much "black-box" like interview-style rather than offering a forms-based interface (which I prefer), but maybe that has changed? I know Bob Meighan was saying that TurboTax was eventually planning to offer a forms based view in...
by Blues
Sat Jan 03, 2015 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3751

Re: Chromebook dedicated to finances?

This seems like a very sensible idea to me. One question is can I do my taxes on a Chromebook? The major programs seem to have versions that run in Windows and versions that run on Macs. I've been using TaxAct on my PC for years but will be using the online version this year. I have checked with Ta...
by Blues
Sat Jan 03, 2015 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3751

Re: Chromebook dedicated to finances?

If I recall correctly, anything saved to the Chromebook's hard drive is automatically encrypted. Without your login info, the data is useless to anyone taking possession of your device. I don't use a separate Chromebook but have one account that I use on that particular machine which is used only fo...
by Blues
Sat Jan 03, 2015 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3751

Re: 2015 Investment Resolutions

Purchase our annual allotment of I-Bonds (for self and missus) and continue partial conversion of tIRA to Roth (for missus) on New Year's Day. (Should be done with the conversion by the time I'll be required to take RMD's from the TSP several years down the road.) Been doing this the past couple of ...
by Blues
Thu Jan 01, 2015 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: 2015 Investment Resolutions
Replies: 9
Views: 817

Re: What are your Financial New Year's Resolutions?

Purchase our annual allotment of I-Bonds (for self and missus) and continue partial conversion of tIRA to Roth (for missus) on New Year's Day. (Should be done with the conversion by the time I'll be required to take RMD's from the TSP several years down the road.) Been doing this the past couple of ...
by Blues
Thu Jan 01, 2015 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your Financial New Year's Resolutions?
Replies: 44
Views: 3297

Re: Donate or Sell AV Receiver

stan1 wrote:Or give it to a friend who will appreciate it.


That's what I did when I last upgraded. :sharebeer
by Blues
Tue Dec 09, 2014 8:07 am
 
Forum: Personal Consumer Issues
Topic: Donate or Sell AV Receiver
Replies: 11
Views: 902

Re: How did you handle the 2008 bear market ?

Used it as an opportunity to harvest losses in various funds scattered across a handful of top fund families and consolidate the proceeds within just a few offerings from Vanguard. This resulted in a capital loss we could carry forward and use for several years while simplifying and streamlining the...
by Blues
Sun Nov 30, 2014 8:35 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7210

Re: New Amica discounts available

discounts not available in NC either The only thing I get here in western NC is a small ($25 or $28) check in the mail each year about a month after the umbrella policy renews. Still, when I switched over from Geico and Travelers to Amica I literally saved hundreds per year. I haven't checked recen...
by Blues
Thu Nov 06, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 2883

Re: Windows XP

I've relegated my old XP rig to (almost entirely) offline tasks. A Chromebook has worked wonderfully (for my needs) for online and most any uses that I have for a computer anymore. Since the XP is still connected to my laser printer I will send an occasional email with an attachment that way when I ...
by Blues
Mon Oct 20, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 64
Views: 3950

Re: What tax software do you use and why

First year or two with TurboTax. TaxAct (desktop) for about the last ten years. This year I'm going to give the online version of TaxAct a go for the first time (and save myself a Bogleheadish ten bucks in doing so). I've found TaxAct to be very intuitive to use for both my federal and state returns.
by Blues
Sat Oct 18, 2014 7:40 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2801

Re: What Book Are You Currently Reading? Part VI

"The Zone Of Interest" by Martin Amis.

Despite its unpleasant subject it's the first work by Amis that I've (nearly, at this point) completed.
(I had less success with "London Fields" and "Lionel Asbo: State Of England".)
by Blues
Thu Oct 16, 2014 7:19 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 436
Views: 56390

Re: Exercise Posts

I had an original Bullworker that I used faithfully back in my teens. (Alas, I never became an astronaut or pro football player. Maybe, since law enforcement is often referred to as the "bulls", it was responsible for my having chosen that career path.) I don't personally think isometric e...
by Blues
Wed Oct 08, 2014 7:43 am
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2543

Re: What Book Are You Currently Reading? Part VI

"The Kill Artist" by Daniel Silva.
by Blues
Fri Sep 26, 2014 7:17 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 436
Views: 56390

Re: Arches-Bryce-Zion road trip: Where to stay?

I took a motorcycle trip with the missus through that area (Grand Canyon, Cedar Breaks, Zion, Bryce, Capitol Reef, Natural Bridges, Monument Valley etc.) about 15 years ago and stayed at the NPS lodges within both Zion and Bryce Canyon. Both facilities were excellent and convenient at the time . (I ...
by Blues
Tue Aug 26, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: Arches-Bryce-Zion road trip: Where to stay?
Replies: 16
Views: 1220

Re: What Book Are You Currently Reading? Part V

Just finished "The Unlikely Spy" by Daniel Silva.

Now reading "Paris Trout" by Pete Dexter.
by Blues
Mon Aug 25, 2014 7:18 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1256741

Re: What Book Are You Currently Reading? Part V

Ged wrote:
Blues wrote:“Tactics without strategy is the noise before defeat.” - Sun Tzu
"Everybody has a plan until they get punched in the mouth." - Mike Tyson


"No plan survives contact with the enemy." - Helmuth von Moltke the Elder


So true. :sharebeer
by Blues
Sun Aug 03, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1256741

Re: What Book Are You Currently Reading? Part V

VT, "Harry's Game" is one that resonated strongly with me as well. I remember being disappointed by some other books read subsequently which I had hoped would match its power and sense of authenticity.
by Blues
Sun Aug 03, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1256741

Re: What Book Are You Currently Reading? Part V

"Fields Of Fire" by James Webb. A very powerful novel about Vietnam in the vein of "Matterhorn" but published some 30 years earlier. Highly recommended. The summer of 1990 I read 3 war related books: Goodbye Darkness by William Manchester (Pacific War) Despatches by Michael Herr...
by Blues
Sun Aug 03, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1256741

Re: What Book Are You Currently Reading? Part V

"Fields Of Fire" by James Webb. A very powerful novel about Vietnam in the vein of "Matterhorn" but published some 30 years earlier.

Highly recommended.
by Blues
Sun Aug 03, 2014 7:07 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1256741

Re: TV show recommendations?

A great show available on Netflix and Amazon Prime Video is the British series "Prime Suspect" with Helen Mirren. As a retired fed myself, I'd have to say that this was one of the best police dramas I've ever had the pleasure of viewing. Right up there with the best, such as "The Wire...
by Blues
Wed Jul 09, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 144265

Re: How secure are Vanguard/Fidelity Apps?

As a computer security professional, I find the mobile OSes to be inferior to the desktop OSes when it comes to baseline security features. So I don't use my phone for anything I would consider to be a "high security" connection. At my house, all financial transactions happen from a speci...
by Blues
Mon Jul 07, 2014 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: How secure are Vanguard/Fidelity Apps?
Replies: 14
Views: 2214

Re: What Book Are You Currently Reading? Part V

Just restarted Underworld by Don DeLillo. I think this is my third attempt over the past 15 years or so. The prologue (1951 Giants vs. Dodgers shot heard 'round the world) is as great as ever. Let's see if I can maintain the momentum this time. I finished it a year or two back after one earlier abo...
by Blues
Mon Jul 07, 2014 7:06 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1256741

Re: What Book Are You Currently Reading? Part V

"The Watchman" by Robert Crais. I like Crais. Always wondered who would win in a fair fight between Jack Reacher and Joe Pike. When Tom Cruise was miscast as Reacher, I don't worry about it any more. Reacher wouldn't last long. Depends on who is cast as Pike. If only Wally Cox or Arnold S...
by Blues
Fri Jun 27, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1256741

Re: Savings Bond Wizard

If you are trying to add amounts over $5,000 the app won't accept them. I break up $10,000 bond purchases into two $5,000 purchases with the appropriate date. That has been the only issue I can recall having when entering new purchases on behalf of myself and my spouse. Thank you. That should solve...
by Blues
Fri Jun 27, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Savings Bond Wizard
Replies: 5
Views: 620
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