Search found 1550 matches

by Blues
Sat Dec 09, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank raises 11 month ($25k min) No Penalty CD from 1.5% to 1.6%
Replies: 17
Views: 2321

Re: Ally Bank raises 11 month ($25k min) No Penalty CD from 1.5% to 1.6%

One has the option of receiving the interest monthly, quarterly or at the end of term on these 11 month CDs.

(If there is a period shorter than monthly I don't recall from the times I've gone through the process.)
by Blues
Mon Dec 04, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

I admit I'm being alarmist and it probably does not matter. But I've had poor experiences with them and just want to stay away. It is becoming more difficult every year. Two suggestions... 1. Don't get sick 2. Don't take prescription drugs. Bonus: Don't watch the cable news networks, all they do is...
by Blues
Tue Nov 28, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: new dehumidifier?
Replies: 9
Views: 575

Re: new dehumidifier?

First, if no longer under any warranty, (and I assume an 8 year old unit isn't), they are not worth repairing. Second, while Frigidaire (Electrolux) generally gets the best reviews overall, (and is what I have), their record has not been very good either. (I've replaced several (under warranty) unti...
by Blues
Sun Nov 26, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 143
Views: 15251

Re: Chromebooks- What is the lure?

I assume Chromebooks have a Favorites/Bookmarks feature - and that list is also stored in the Google cloud.? Sorry if this comes across as question borne of ignorance, but it is. Yes, Luigi, your faves and bookmarks get stored in the cloud. If you log in on another Chromebook your interface will be...
by Blues
Sun Nov 26, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2686
Views: 860624

Re: What Book Are You Currently Reading? Part VI

Recently finished "Killers of the Flower Moon: The Osage Murders and the Birth of the FBI" by David Grann.

An eye opening read about a shameful period in American history. Compelling story worth your time.
by Blues
Fri Nov 24, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 43
Views: 3477

Re: TaxAct and alternatives

indexfundfan wrote:
Fri Nov 24, 2017 1:36 pm
For those with experience using FreeTaxUSA, does it support the uploading of brokerage forms, like 1099B, 1099DIV etc. ?
I think it will only upload a completed tax return (.pdf) from TurboTax, TaxAct or H&R Block.
by Blues
Fri Nov 24, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2686
Views: 860624

Re: What Book Are You Currently Reading? Part VI

Empire of the Summer Moon: Quanah Parker and the Rise and Fall of the Comanches, the Most Powerful Indian Tribe in American History, by S.C. Gwynne
by Blues
Fri Nov 24, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 210
Views: 35723

Re: Improving the TSP [for current participants]

Nearing Destination and Blues, You and others like you should be particularly interested in seeing the FRTIB move on these issues. MichDad I'm not sure what you're getting at specifically or what the FRTIB can do in this regard. In my particular case, the matter was settled via a state supreme cour...
by Blues
Thu Nov 23, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 143
Views: 15251

Re: Chromebooks- What is the lure?

Chromebook is great. I'm over three years into mine and I love it. I haven't had any issues working with or saving .pdf files but I'm only talking about a few times a month since I'm no longer employed. Next computer I get will also be a Chromebook. It does virtually everything I need a computer for...
by Blues
Thu Nov 23, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 210
Views: 35723

Re: Improving the TSP [for current participants]

TSP withdrawals can also have state tax qualifications : in my current state, part of my TSP withdrawal is exempt from state tax, just as is part of my pension, while if it’s transferred into an IRA it loses the exemption. Exactly right...which is precisely the reason I moved money into the TSP fro...
by Blues
Wed Nov 22, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 43
Views: 3477

Re: TaxAct and alternatives

FWIW, I also used FreeTaxUSA last year for first time and was very satisfied. Will reuse this year. Only did Fed as I do state by hand. Thanks, Drew. I don't mind springing for the $12.95 for the state return. The convenience alone makes it worthwhile. (Yeah, I guess I'm just a lazy so and so. :win...
by Blues
Wed Nov 22, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 43
Views: 3477

Re: TaxAct and alternatives

I tried FreeTaxUSA/Taxhawk last year and it didn't work for me for two reasons: 1) Couldn't handle inputting an adjustment code for the basis of my ESPP 2) HSA addition back to income/interest/capital gains in California. Is this fixed this year? If so they are worth another look. Good info. So far...
by Blues
Wed Nov 22, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 144
Views: 21291

Re: TaxAct pre-purchase discount

Just received an email to "lock in" my "Cyber Monday" 30% off deal! Federal freelancer = normally $39 on sale for $27.50 State $37 additional Total : $64.50 If this is their sale price, looks like I'll be finding another program to do my taxes next year. You may want to have a look at the following...
by Blues
Wed Nov 22, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 43
Views: 3477

Re: TaxAct and alternatives

Considering it say "Come back to TaxAct" and existing customers (like me) who hijacked the promo found their $0 rate went up to full price (or something), please don't hold your breath if you are existing customer. I, too, am exceedingly frustrated by the lack of transparency. But I also didn't lik...
by Blues
Wed Nov 22, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premium unchanged for 2018
Replies: 52
Views: 3644

Re: Medicare Part B premium unchanged for 2018

dm200 wrote:
Wed Nov 22, 2017 9:33 am
Thanks for refreshing my memory. Amazing that $3 a month for five years pays back $7.5 BILLION.
It's the new math. :wink:
by Blues
Tue Nov 21, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 43
Views: 3477

Re: TaxAct and alternatives

I did FreeTaxUSA last year and had no issues. CreditKarma also has a free federal and state program that I would try if FreeTaxUSA starts charging. If you already use CreditKarma for credit reporting, you might want to give it a shot. https://www.creditkarma.com/tax Thanks, aristotelian. I've read ...
by Blues
Tue Nov 21, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 43
Views: 3477

Re: TaxAct and alternatives

I've used TaxAct for a dozen years or more...both desktop and online versions. I've finally had it with the lack of transparency in terms of finding the best available price for a federal & state return. They've made it a royal PITA to find the best deal. This year I fully intend to use FreeTaxUSA a...
by Blues
Sun Nov 19, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premium unchanged for 2018
Replies: 52
Views: 3644

Re: Medicare Part B premium unchanged for 2018

Just got my form from HHS to drop Medicare Part B. I had to talk to a HHS rep who tried to discourage me from dropping it. He said in addition to the form, I need to call a number to stop withdrawals of the premiums from my checking account (I do not receive SS). I crunched the numbers over the pas...
by Blues
Mon Nov 13, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: FEHB open season and Checkbook.org
Replies: 4
Views: 377

Re: FEHB open season and Checkbook.org

Go to this link. It should be working now. At least it is for me...

https://www.checkbook.org/newhig2/hig.cfm
by Blues
Sun Nov 12, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

Blues Excellent! I have downloaded the OPM document and it does seem like I might be able to suspend and retain eligibility once my daughter is off of the insurance plan. Thank you for pointing to something new that I can use. :D Happy to help. Google is our friend (at times). At least that's how I...
by Blues
Sun Nov 12, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

You can “ suspend “ —**not cancel** — your FEHB benefits and return to using them later. Canceling results in your no longer being eligible; suspending means you CAN restart at some later open season I do not believe this is true for those who fall under survivor benefits. Can you point me to a pla...
by Blues
Sat Nov 11, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

mrc wrote:
Fri Nov 10, 2017 1:30 pm
You can preorder the 2018 Guide now on the checkbook.org website
That's what I did. It's a bargain for what it provides.
by Blues
Fri Nov 10, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

The NARFE magazine out yesterday contains an article by Tammy Flanagan on this subject. She is the federal retirement guru. For any fed approaching retirement, I recommend signing up for her free weekly column in Government Executive. She did a webinar on this topic a week or so back. It should be ...
by Blues
Fri Nov 10, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

Do you know when the next checkbook will be available? Your quotes are causing me to think of some questions I had not thought of. It's all such a crap shoot, but I would NEVER grumble...considering what others are facing these days. I fully agree with your sentiment. I am very thankful for my heal...
by Blues
Fri Nov 10, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

It is my understanding that prescription meds have nothing to do with this decision. Part B does not cover Rx. I fully understand that Part B doesn't cover prescriptions...but the answer to my question might indicate whether folks were more apt to elect Part B because they were either already on pr...
by Blues
Thu Nov 09, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

What does Checkbook say about the relative financial merits of going with Aetna Direct (with Medicare Part B) vs BCBS standard without Medicare Part B? Hopefully you'll find the following excerpt of value. Keep in mind that this analysis is from the 2017 FEHB options, not the open season that will ...
by Blues
Thu Nov 09, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

Out of curiosity, are most of you folks who either intend to, or already have elected "Part B", under the regular care of a physician and taking prescription meds? I just can't see throwing more money into the healthcare sinkhole when I'm already entitled to Part A and have good coverage via FEHB. T...
by Blues
Wed Nov 08, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15405

Re: What was the main reason you retired?

Because I wanted to direct my life, activity and where I did both. Because after a career working in federal law enforcement it became more and more frustrating due to the way the law was being enforced, and the way the agency was being managed. I've never regretted the decision...14 years on and I'...
by Blues
Wed Nov 08, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4947

Re: What do you do to keep your mind sharp?

Read, do crosswords, word jumbles, math and logic puzzles.

Train with weights several days a week.

Walk a lot, usually with our dog.

Turn off the news when it makes my head hurt.
by Blues
Tue Oct 31, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

In the counties surrounding where I live, it was announced in the newspapers and TV news. Also I got a letter from BCBS saying they were getting out (even before the end of the year). I don't think this is something you need to worry about if you have not heard anything. I don't know if you ultimat...
by Blues
Fri Oct 27, 2017 7:26 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 91
Views: 13200

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Congratulations to you both...on the book and all the contributions you have made on behalf of financial literacy and well-being. :sharebeer
by Blues
Mon Oct 23, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

delamer wrote:
Mon Oct 23, 2017 3:20 pm
ester wrote:
Mon Oct 23, 2017 11:49 am
My understanding is that at age 65 FEHB w/o Part B Medicare will only pay Medicare rates, rather than what they paid prior to you turning 65, and you will be responsible for the difference.
Do you have a source for that? That is not my understanding.
Mine either.
by Blues
Mon Oct 23, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: FTSE All-World ex-US Small in taxable account?
Replies: 23
Views: 1221

Re: FTSE All-World ex-US Small in taxable account?

We've owned the fund since it opened in our taxable account. At this stage, we take the quarterly dividends from all of our taxable accounts and have them directed to a money market for play money and unexpected expenses.
by Blues
Sun Oct 22, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

I doubt the penalty will be waived...I don't think they'll be looking to do any favors for feds or former feds in the current legislative environment.
by Blues
Sun Oct 22, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10816

Re: Federal Retiree Health Care with/Medicare

Some people are really enamored of not having any out-of-pocket expenses or getting bills in the mail -- it almost as if they don't realize how much they paying in premiums for that convenience. I have not made a final decision on Part B yet; I still have a year or so to make a decision. But we wou...
by Blues
Wed Oct 18, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 10355

Re: how long did it take to get used to retirement

I've never spent a moment regretting my decision to retire at 51. That was over a decade ago.
by Blues
Sun Sep 24, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8884

Re: Age you retired

I put my papers in a month before I turned 51. Haven't looked back and net worth has only grown since leaving the job. :beer
by Blues
Thu Sep 21, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30299

Re: Is a security freeze at Innovis really needed?

As many others have done, I requested freezes at Equifax, Experian, TransUnion, and Innovis. But before doing the same with ChexSystems, I wanted to submit a question to one of my online banking accounts first. I believe many bogleheads have taken advantage of the 11-month no-early-withdrawal-penal...
by Blues
Mon Sep 18, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: LastPass Issue
Replies: 10
Views: 1143

Re: LastPass Issue

I've noticed that happening every now and again with chromebook. I don't know if it's a factor of minor chrome updates or not but it only happens every once in a while and normally once I log back in it doesn't need to be done again.
by Blues
Sun Sep 17, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30299

Re: Is a security freeze at Innovis really needed?

Big three + Innovis + ChexSystems is what I opted for a few years back.
by Blues
Sat Sep 02, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3611

Re: TaxAct for $13.50

I got no offer, even though I used TA the last 2 years, and 7 of the last 9. :annoyed I use the download version. For those of you getting these offers, are you online or download users. I got the offer, and I’m an online user. I didn't and I'm an online user who has used both download and online f...
by Blues
Fri Sep 01, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3426

Re: Ally Bank: No one can answer a simple question

................................ the period from July to August would have one more day since June only had 30 days. One more day would seem to imply more interest. ........................................... You seem to imply that you got shorted because the longer time period got the same interes...
by Blues
Fri Sep 01, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3426

Re: Ally Bank: No one can answer a simple question

I’ve questioned interest calculations on two occasions. I’ve learned that those able to answer that question usually work in a department separate from the service reps. It’s up to the rep to refer your question to that department. In the first instance, the bank applied an incorrect interest rate,...
by Blues
Fri Sep 01, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3426

Re: Ally Bank: No one can answer a simple question

kaneohe wrote:
Fri Sep 01, 2017 7:21 pm
btw......your question might be more appropriately directed to a supe rather than a front-line rep.
I've spoken to a supervisor, she had no clue but agreed with my take. The matter has been elevated three times since without satisfaction.

And so it goes...
by Blues
Fri Sep 01, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3426

Re: Ally Bank: No one can answer a simple question

It's a simple question, but not an easy one. The calculation is done in software, probably provided by a third party. Anyone who claimed to give an answer would probably just be making something up to make you go away. I once had a support rep relay a question from a customer who wanted to know how...
by Blues
Thu Aug 31, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3426

Re: Ally Bank: No one can answer a simple question

They have a different way of counting days. For example, a CD opened on June 19 earned two days of interest on the 6/20/2017 statement because the interest accrued was $25000 x 1.35% x 2/365 = $1.84. They would rather that you started receiving the interest on day one. As a result, you will not rec...
by Blues
Thu Aug 31, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3426

Re: Ally Bank: No one can answer a simple question

When did you open and fund the CD? If you opened the CD sometime in June, it is entirely possible that they credited you with 31 days of accrued interest because you started receiving interest on the account opening date not the day after. Also, they calculate interest daily based on the balance in...
by Blues
Thu Aug 31, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3426

Re: Ally Bank: No one can answer a simple question

At the end of the day, it's up to their backend software writers, internal auditors, and external regulators to make sure they've calculated everything right. While financial institutions tend to be among the more competent at math, I have seen enough to know that they also cut corners when there i...
by Blues
Thu Aug 31, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3426

Re: Ally Bank: No one can answer a simple question

My guess is they calculate on 30/360 rather than actual/365. Meaning they default each full month to 30 days regardless if Feb (28 days) or July (31). Most mortgages work this way such as fixed rate loans with fixed payments, for example, if you pay $1,500 per month for your mortgage, fixed, it's $...
by Blues
Thu Aug 31, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3426

Ally Bank: No one can answer a simple question

I recently contacted Ally bank to ask why the interest on my most recently opened "no-penalty" cd was the same amount for the June to July cycle as it was for the July to August cycle. I have received numerous emails and even a phone call (or two) and still have not received an answer to the questio...