Search found 1612 matches

by Blues
Thu Apr 12, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2967
Views: 915167

Re: What Book Are You Currently Reading? Part VI

The Looming Tower by Lawrence Wright. https://www.amazon.com/Looming-Tower-Al-Qaeda-Road-11/dp/1400030846 Excellent book, one of the best I've read in the past few years. Looking forward to watching the miniseries on Hulu, and also to reading the (sort of) sequel, The Terror Years: From al-Qaeda to...
by Blues
Tue Apr 10, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 38
Views: 3064

Re: Toyota 4 Runner

Image
by Blues
Mon Apr 09, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 38
Views: 3064

Re: Toyota 4 Runner

I have a 2016 Trail Edition Premium. For me it's both a practical vehicle for my area as well as the fulfillment of a want. We live in in a mountainous, forested area where steep gravel roads are not outside the norm, and mud or snow can be anywhere from light to heavy. Even if off-roading isn't one...
by Blues
Tue Apr 03, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 3770

Re: How did you file your income taxes?

FreeTaxUSA...federal and state.
by Blues
Mon Mar 26, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Computer Security
Replies: 55
Views: 3463

Re: Computer Security

I have been completely satisfied with the chromebook for 99.9% of all I do with a computer for the last several years, and it has proven to be quite secure, especially with the very few extensions I've added to enhance that security.
by Blues
Wed Mar 21, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Outdoor Blower
Replies: 24
Views: 1299

Re: Outdoor Blower

I've been using a Black & Decker 20 volt system for years and it's been nothing but great. (I believe the system has been upgraded power-wise in recent years but it's the same setup.) I use it to blow leaves on the deck, porch, concrete walks, gravel driveways, and out of the rain ditches along our ...
by Blues
Wed Mar 14, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: "An Ideal Retirement Spending Strategy?" (from Oblivious Investor)
Replies: 31
Views: 4922

Re: "An Ideal Retirement Spending Strategy?" (from Oblivious Investor)

I like the strategy except that recently, as influenced by the comments of Buffet and others, I am inclined to substitute cash equivalents for bonds in the risk portfolio. So, instead of going 60/40 or 50/50 stocks/bond allocation, I think it makes more sense to go, for example, 80/20 stocks/cash e...
by Blues
Wed Mar 14, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 46
Views: 4045

Re: simplifying my financial life -- should i get rid of treasury direct?

^^^^You log on and download a copy of the 1099-INT when it becomes available.
by Blues
Wed Mar 14, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 46
Views: 4045

Re: simplifying my financial life -- should i get rid of treasury direct?

I closed our TD accounts a few years ago for a few reasons... The TD site is a pain in the posterior. My wife would never want to deal with navigating that site and I am trying to simplify the portfolio against the day I may not be around to handle all of the minutiae and investing decisions. The cl...
by Blues
Sun Mar 11, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 10859

Re: TaxAct and alternatives

I realize it's an old thread, but I wonder if there are any more success stories from TA price-hike refugees at other sites? My income is less than $25k, and I don't feel like forking out $103 for their freelancer package + audit defence. I am inclined to do a do-over at freetaxusa unless people ha...
by Blues
Sun Mar 11, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Discount on Online Tax Act
Replies: 13
Views: 975

Re: Discount on Online Tax Act

Or, I've got a better idea... Refuse to work with companies that engage in these sorts of shenanigans. I want to know the price of something. Freetaxusa is a better alternative. Agreed. My first year using FreeTaxUSA after more than a dozen with TaxAct. Was able to upload last year's return from Ta...
by Blues
Sun Mar 04, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Bailey Settlement question -- of interest only to NC residents
Replies: 16
Views: 1120

Re: Bailey Settlement question -- of interest only to NC residents

But....if your wife keeps the TSP after your death, it cannot be passed on to her heirs. It is my understanding that any TSP left after her death would be immediately distributed to her beneficiaries as an immediate taxable distribution . They don't get to transfer it into an IRA or keep the TSP ei...
by Blues
Sun Mar 04, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Bailey Settlement question -- of interest only to NC residents
Replies: 16
Views: 1120

Re: Bailey Settlement question -- of interest only to NC residents

I am neither an attorney nor a CPA but am familiar with the Bailey Decision, and have kept up with the NC DOR materials on the decision for the past 15 years or so as it is relevant to my annual NC tax return. My reading, based upon the following: Exclusion of Qualified Retirement Benefits for Futur...
by Blues
Wed Feb 21, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Why investors shouldn’t panic over falling bond prices
Replies: 36
Views: 6585

Re: Why investors shouldn’t panic over falling bond prices

Panic Over Money? Take Charge Of The Mind. It is "Money". Not life. :idea: :idea: Again I agree with Toons. So much angst over market fluctuations. Another post mentioned that equity fluctuations were the market breathing. Same with interest rate fluctuations and changes in yield. Suggest picking a...
by Blues
Tue Feb 13, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 206
Views: 15939

Re: Federal Retiree Health Care with/Medicare

But I think I read somewhere that 75 percent of Federal retirees take Part B, not sure how many of those do that because it's the default position, or it's the most medically desirable or it's the most financially savvy for them. That sounds high but I threw out the recent NARFE magazine that menti...
by Blues
Sat Feb 10, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2967
Views: 915167

Re: What Book Are You Currently Reading? Part VI

In a similar vein, what kind of (e)book reader would y'all recommend? I have realized that I cannot keep ordering books as it leads to a lot of clutter. Get one of the inexpensive Fire tablets from Kindle and just download an epub reader so you can read mobi / azw, epub or pdf. https://www.amazon.c...
by Blues
Sat Feb 10, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2967
Views: 915167

Re: What Book Are You Currently Reading? Part VI

In a similar vein, what kind of (e)book reader would y'all recommend? I have realized that I cannot keep ordering books as it leads to a lot of clutter. Get one of the inexpensive Fire tablets from Kindle and just download an epub reader so you can read mobi / azw, epub or pdf. https://www.amazon.c...
by Blues
Thu Feb 08, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2967
Views: 915167

Re: What Book Are You Currently Reading? Part VI

Upon hearing Michael Lewis (author of Moneyball ll, The Big Short , etc.) list it as one of his favorite three books of all time, I read A Confederacy of Dunces ," by John Kennedy Toole. And yes, it's hilarious. ROFL funny at times. The forward by Walker Percy explains so much. I love this book. It...
by Blues
Wed Feb 07, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2967
Views: 915167

Re: What Book Are You Currently Reading? Part VI

Bacchus01 wrote:
Wed Feb 07, 2018 7:30 pm
The Road was so depressing
Without giving anything away, there was a bright spot... but I'll leave it at that.
by Blues
Wed Feb 07, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2967
Views: 915167

Re: What Book Are You Currently Reading? Part VI

I rarely read fiction, but in the survival/apocalypse genre both The Road and Dog Stars are excellent. Very much agree on both. I've read most everything by Cormac McCarthy and his work is excellent. Unfortunately, while I very much looked forward to Heller's next book, it was a huge disappointment.
by Blues
Sat Feb 03, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software Recommendations
Replies: 28
Views: 1985

Re: Tax Software Recommendations

I use FreeTaxUSA the past few years. Previously I used TaxAct but they upped their price. Same here. TaxAct for a dozen or more years...both desktop and online. This was my first year using FreeTaxUSA for federal and state and it couldn't have been easier. I've already received notification of acce...
by Blues
Sat Feb 03, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 554
Views: 61002

Re: Netflix, Your Current Favorite Show

ruralavalon wrote:
Sat Feb 03, 2018 8:29 am
staythecourse wrote:
Sat Feb 03, 2018 1:32 am
Just finished Shetland and loved it.
Shetland is one of my all time favorites.
The missus and I have also enjoyed the first couple of seasons. Nothing over the top, (too much), and likable characters.
by Blues
Mon Jan 29, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 206
Views: 15939

Re: Federal Retiree Health Care with/Medicare

Yeah, I'm not much for jumping through lots of hoops. I aim to keep things as simple as possible (but no simpler).

I prefer to limit the level of government intrusion into how I decide my affairs, whether for medical insurance or other matters.
by Blues
Mon Jan 29, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 206
Views: 15939

Re: Federal Retiree Health Care with/Medicare

I know some who have chosen Part B (as you have) and others who have not. One longtime friend and his wife have chosen to skip Part B. He is a longtime federal employee, now retired. He always does very extensive research and analysis and he reached the conclusion that, for him and his wife, skippi...
by Blues
Fri Jan 26, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2967
Views: 915167

Re: What Book Are You Currently Reading? Part VI

Just finished "Killers of the Flower Moon". ..the Osage Murders and the Birth of the FBI............true story......WOW! Excellent! https://www.amazon.com/dp/B01CWZFBZ4/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1 That book is in my "to be read" pile! It's a very good but disturbing read.
by Blues
Sat Jan 20, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1429

Re: Which tax software for 2017?

The Wizard wrote:
Fri Jan 19, 2018 5:52 pm
FreeTaxUSA works for me...
Ditto.
by Blues
Fri Jan 19, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Tax software needed: two states & capital loss
Replies: 3
Views: 321

Re: Tax software needed: two states & capital loss

I believe that FreeTaxUSA will do this but to confirm you can check out their page discussing what forms and schedules are covered https://www.freetaxusa.com/supported_forms.jsp I "think" it would work from what I've seen and read on the site. There would be an additional $12.95 charge for the seco...
by Blues
Thu Jan 18, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 10859

Re: TaxAct and alternatives

2015, I would caution you not make assumptions about others based upon something as simple as what we have discussed here. Your tone is condescending at best. Some of us are under different health care systems. I, as a retired federal law enforcement officer, am under FEHB and don't have the same ho...
by Blues
Thu Jan 18, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 10859

Re: TaxAct and alternatives

That's all well and good, except I need a download product in order to model taxes, particularly given the new tax law, ACA, TLH, TGH, roth conversions, and as well as other strategies in order to maximize tax bracket management. Oh well, then. For many however, it will be a sufficient and viable s...
by Blues
Thu Jan 18, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 10859

Re: TaxAct and alternatives

Just finished our 2017 returns using FreeTaxUSA for the first time, (after using only TaxAct (desktop and online) for the last dozen years or so). Couldn't have been much easier or more intuitive. Was able to do both federal and state very quickly and efficiently. (It imported last year's TaxAct ret...
by Blues
Mon Jan 15, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 10859

Re: TaxAct and alternatives

I'm about halfway through using FreeTaxUSA for the first time, (need a few more docs), and so far so good. :beer
by Blues
Sat Jan 06, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: New tax plan-62 year old convert to Roth before RMD?
Replies: 31
Views: 2601

Re: New tax plan-62 year old convert to Roth before RMD?

I've been converting my wife's tIRA to Roth for several years and will finish a few years down the road in the year I turn 70.5 . It's worked out well as we are able to fill the remaining space in our tax bracket and protect those assets from both future RMD's and the consequence of being pushed up ...
by Blues
Tue Jan 02, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Roth Conversions without ability to Recharacterize
Replies: 45
Views: 2582

Re: Roth Conversions without ability to Recharacterize

In keeping with tradition, I continue to do it on January 1 and devil take the hindmost. (I simply try to balance taking advantage of the available space to fill the anticipated tax bracket with an eye toward completing the partial conversions before I am required to take an RMD several years from n...
by Blues
Mon Jan 01, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 10859

Re: TaxAct and alternatives

Problem with freetaxusa is there is no download option, which I need for privacy/security reasons and in order to model future taxes. I'm hoping I get another $28 fed/state deal with TA this year as I'm reluctant to migrate elsewhere as I now know TA so well. We shall see. I hear ya. I used the des...
by Blues
Mon Jan 01, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 10859

Re: TaxAct and alternatives

Yes, for many years. I switched because I was annoyed with TurboTax ads inside its own software (buy our services...) and that TaxACT had a much cheaper price. I think that was the continuum many of us followed. TurboTax to TaxAct (or H&R Block)...and now on to another option based upon the current...
by Blues
Mon Jan 01, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 32931

Re: Ally Bank 11 month [No-Penalty CD]

are you guys opening so many cds because of low $ limit for online transactions? I haven't done so but I think folks do it so that they can break one or two without having to liquidate one large CD in the event rates are lower at the time they need the funds. Perhaps there are other reasons I haven...
by Blues
Sun Dec 31, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 32931

Re: Ally Bank 11 month [No-Penalty CD]

“It's important to remember that transfers from a non-Ally Bank account typically take 3 to 4 business days. Please allow sufficient mail delivery time to ensure your deposit is received before the Ten Day Best Rate Guarantee time expires. If your deposit isn't received in time to get the Ten Day B...
by Blues
Fri Dec 29, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 32931

Re: Ally Bank 11 month [No-Penalty CD]

Was the value of the new CD the same as the value of the old one, including accrued interest? I had been not been taking interest on a current basis so current value was more than initial investment and rolled total value over to new CD. If you reinvested a different amount that the total value, th...
by Blues
Fri Dec 29, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 32931

Re: Ally Bank 11 month [No-Penalty CD]

If you willing/able to tolerate the wait times on phone, I believe that the rep can make the transfer from old to new CD directly. I didn't notice any activity in savings account due to the switch. I don't think this is accurate. When I recently closed an existing No-Penalty CD on the phone and ope...
by Blues
Fri Dec 29, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Tax Act discount
Replies: 9
Views: 1315

Re: Tax Act discount

And if you need to file a state return in addition to the federal, that's an additional $37.

Thanks, but no thanks.
by Blues
Thu Dec 28, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 32931

Re: Ally Bank 11 month [No-Penalty CD]

I do not believe so, Marco. My understanding is that you have to liquidate the old account, have the funds disbursed to another Ally or off-site account, and then move the designated funds back into the newly opened account. It's unfortunate that round trips within Ally itself count against the numb...
by Blues
Thu Dec 28, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 13375

Re: Ally Bank 12 month CD now 2.00%

I wasn't going to bother, having just recently moved a chunk into a new 11 month no-penalty cd, but I figured what the heck and put about half of the money market balance into the 12 month cd.

No good reason (for us) not to take advantage of the rate. Obviously, mileage may vary.
by Blues
Sun Dec 24, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 32931

Re: Ally Bank 11 month No Penalty 1.75%

I closed out a 1.5% No-Penalty cd for the 1.6% rate within the last week...so with the "ten day, best rate guarantee" I should receive the highest rate offered during the period automatically. Thanks for the heads up. I'll verify that it is in effect when the grace period ends. :beer Checked this m...
by Blues
Sat Dec 23, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 32931

Re: Ally Bank 11 month [No-Penalty CD]

I currently have two 11 month Ally CD's at the old 1.5% offer and would like to roll these into new 1.75% CD's. Does anyone know if Ally does Credit bureau and/or Chex inquiries for this? My accounts are frozen with all of the above and I have never had an issue with renewal, or closing / opening n...
by Blues
Wed Dec 20, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 40307

Re: Improving the TSP [for current participants]

If the TSP starts allowing in-plan Roth conversions, and if the TSP allow me to bring my Roth funds from other institutions back into the TSP, I will be in a financial heaven. Victoria I'm with you...right after I finish doing Roth conversions for the missus. The rollover of a Roth to the TSP would...
by Blues
Wed Dec 20, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 40307

Re: Improving the TSP [for current participants]

It's really not that much advantages, and TSP benefits are oversold...So G fund/slightly better asset protection vs. massively better services at other locations and the advantage of consolidating my retirement accounts in one spot. It's an easy call for me after I retire. For some of us, the fact ...