Search found 1490 matches

by Blues
Mon Jun 26, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 47
Views: 2713

Re: Federal Retiree Health Care with/Medicare

Everybody's mileage may vary but I only intend to elect Part A when I apply in the next few months.

I'll remain with my current FEHB provider.

(If my decision changes somewhere down the road, so be it.)
by Blues
Sun Jun 25, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 7637

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

It may just be an Ally internal policy. I had no problem opening a new savings account at another financial institution where I already had a banking relationship. YMMV indeed. Maybe so. I was never able to determine if it was a matter of policy or they simply were unable to access my credit info. ...
by Blues
Sun Jun 25, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 7637

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Hard pull or softpull? I already have their savings (which was softpull) and I know to open a checking its a hardpull... We have checking, savings and 1 CD at Ally. Opened a second CD on Tuesday with no issues and we both have our credit frozen. But was your credit frozen when you opened your first...
by Blues
Sun Jun 25, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 7637

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Hard pull or softpull? I already have their savings (which was softpull) and I know to open a checking its a hardpull... We have checking, savings and 1 CD at Ally. Opened a second CD on Tuesday with no issues and we both have our credit frozen. This seems consistent with our experience. We opened ...
by Blues
Fri Jun 23, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 104
Views: 12497

Re: Ally Bank 1.25% 11 month with no EWP

If you have it all in one and you need to take some out, you have to withdraw the entire CD. It's possible that at the time you need to do so the rates may be lower. If you have three CDs, you might only break one and leave the others intact. ETA: Looks like someone beat me to it. Well, you got two ...
by Blues
Thu Jun 22, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: fed employees & all the eggs in the TSP basket
Replies: 22
Views: 2123

Re: fed employees & all the eggs in the TSP basket

"Bailey" was a significant "pro" in our decision to move to NC 14 years ago, in addition to many other pros both financial and otherwise. I'm not planning on touching the TSP for several more years until RMD's will force me to begin making withdrawals. Like ChrisC, we have been c...
by Blues
Tue Jun 20, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 104
Views: 12497

Re: Ally Bank 1.25% 11 month with no EWP

You close out the prior "No Penalty CD", keep the interest you've accrued and suffer no penalty. Easy peasy.
by Blues
Tue Jun 20, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 104
Views: 12497

Re: Ally Bank 1.25% 11 month with no EWP

Thanks for the heads up. Just took advantage of the new rate. :beer
by Blues
Tue Jun 20, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4385

Re: Dehumidifier woes

You're probably right, queso, I just don't feel a need to introduce more complexity and potential points of failure into the system at this juncture when I pretty much have it dialed in, despite it not being anywhere near perfect. Food for thought in future, however...or if something goes amiss in t...
by Blues
Mon Jun 19, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4385

Re: Dehumidifier woes

It might not be the best idea to cycle power at the plug to control humidity. That might be tough on the unit. There very likely is a power down algorithm built into the unit to bring down pressures and temperatures internal to the compressor. +1. If memory serves, at least with the Frigidaire unit...
by Blues
Thu Jun 15, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4385

Re: Dehumidifier woes

Out of curiosity, at what relative humidity do you folks try to keep the area served by the dehumidifier? I don't measure the RH from the unit as it is notoriously unreliable in that regard. I measure with a standalone hygrometer mounted elsewhere in the room. I find that I need to adjust the unit'...
by Blues
Tue Jun 13, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4385

Re: Dehumidifier woes

TnGuy wrote:I set ours on 45% humidity.


David


That would be essentially setting mine to run continuously (until sometime in the fall). I will admit that it is somewhat more comfortable, especially when lifting weights, when it's at or below 50% RH.
by Blues
Tue Jun 13, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4385

Re: Dehumidifier woes

Out of curiosity, at what relative humidity do you folks try to keep the area served by the dehumidifier? I don't measure the RH from the unit as it is notoriously unreliable in that regard. I measure with a standalone hygrometer mounted elsewhere in the room. I find that I need to adjust the unit'...
by Blues
Tue Jun 13, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4385

Re: Dehumidifier woes

Out of curiosity, at what relative humidity do you folks try to keep the area served by the dehumidifier? I don't measure the RH from the unit as it is notoriously unreliable in that regard. I measure with a standalone hygrometer mounted elsewhere in the room. I find that I need to adjust the unit's...
by Blues
Tue Jun 13, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4385

Re: Dehumidifier woes

My first Kenmore lasted about 9 years or so. Since then I've gone through about five dehumidifiers all of which were returned or replaced under warranty very quickly until this last one which has now lasted two or three years. It is a Frigidaire but other Frigidaire units were among those replaced. ...
by Blues
Thu Jun 01, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3216

Re: Using LastPass to Manage Passwords

I've been very satisfied with LastPass for a few years now. It's not without an occasional hiccup on a given site, connecting to its server or a browser extension needing updating...but overall it's been just dandy and I could never go back to the old ways.
by Blues
Thu Jun 01, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"
Replies: 35
Views: 5300

Re: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"

Interesting that some of the replies are very similar to our own situation. Will have been retired for 14 years at the end of this year...eligible for Medicare in a few months. (Wife is a few years younger.) I cut our allocation down to roughly 30 /70 a few years ago based upon my own calculations b...
by Blues
Sat May 13, 2017 7:59 am
Forum: Investing - Theory, News & General
Topic: Praise for Roth IRA conversions in retirement, a bonus for early retirees
Replies: 11
Views: 2004

Re: Praise for Roth IRA conversions in retirement, a bonus for early retirees

I retired at 51, my wife a few years younger. Been partially converting her tIRA to Roth yearly on 1/1 so that I'll be fully done with the conversion both before I have to begin taking RMDs from the federal TSP, (which is thankfully not taxed by the state in my case), and she files for SS benefits b...
by Blues
Tue Apr 25, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 72
Views: 9376

Re: Ally Bank - Savings Account Rate Increased!

Well, it seemed like a good idea but I found out that I'd have to undo our credit agency freezes temporarily and I'm just not inclined to jump through hoops for the few extra basis points over the MM. So...that's that. My work around to the above was to just open another 11 month "no penalty&q...
by Blues
Mon Apr 24, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 72
Views: 9376

Re: Ally Bank - Savings Account Rate Increased!

Well, it seemed like a good idea but I found out that I'd have to undo our credit agency freezes temporarily and I'm just not inclined to jump through hoops for the few extra basis points over the MM. So...that's that.
by Blues
Mon Apr 24, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 72
Views: 9376

Re: Ally Bank - Savings Account Rate Increased!

I'll move some of the MM over to a savings account to take advantage of the extra basis points. Nothing to lose by doing so.

Thanks for the heads up. Hadn't noticed it as I rarely check the rates prior to a cd maturing.
by Blues
Fri Apr 21, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 18821

Re: TaxAct pre-purchase discount

I agree the pricing games are disappointing, but where do you get that they are eliminating preview versions? I see this for 2016, with no mention of eliminating it: https://www.taxact.com/support/50/2016/release-date-of-preview-and-final-version This says 2017 will be available January 2018: https...
by Blues
Thu Apr 20, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 18821

Re: TaxAct pre-purchase discount

This was the last year I will use TaxAct due to their substantial price increase and shenanigans. It may be the same here. I'm not a huge fan of jumping through hoops though I do like the product itself. I'd pay a reasonable fee without complaint. To their credit, when I showed them a copy of the a...
by Blues
Thu Apr 20, 2017 7:59 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37710

Re: Larry Swedroe says "Goodby."

Larry has been perhaps the greatest single influence on my investment strategy along with other giants like Bogle and Bernstein. I owe him a debt that I can never repay and it pains me that this good man feels slighted by those without the capacity to appreciate the goodwill he has brought us all. H...
by Blues
Sun Apr 09, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

Zone by Mathias Enard From goodreads: Francis Servain Mirkovic, a French-born Croat who has been working for the French Intelligence Services for fifteen years, is traveling by train from Milan to Rome. He’s carrying a briefcase whose contents he’s selling to a representative from the Vatican; the ...
by Blues
Fri Apr 07, 2017 7:16 am
Forum: Investing - Theory, News & General
Topic: Syria: maybe the market will take a tumble today
Replies: 11
Views: 1363

Re: Syria: maybe the market will take a tumble today

I'd like to think that there are more important things to consider and be concerned with than whether the market tumbles today and provides a good investing opportunity.
by Blues
Sat Apr 01, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Retired 5 to 10 years? How has this bull changed your spending?
Replies: 13
Views: 1573

Re: Retired 5 to 10 years? How has this bull changed your spending?

I have not changed my spending. I enjoy seeing the higher balance and appreciate the added security it provides for my future. This is pretty much where we are. Portfolio is at an all time high. Home and vehicles paid for. We live a relatively modest lifestyle so are able to enjoy not only what the...
by Blues
Thu Mar 30, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

I enjoyed reading "Child 44" (and the movie with Tom Hardy is not a bad adaptation but I like Hardy).

As I recall, the next two novels were not as engaging. (It's been a while so my recollection of them is a bit hazy.)
by Blues
Sun Mar 26, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

"SIlence of the Grave" by Arnaldur Indriðason. (Inspector Erlendur #4)

More Icelandic crime fiction. 8-)

Having grown up with a best friend from Reykjavik during my junior high through college years, this fiction is like an old friend coming around for a visit.
by Blues
Tue Mar 14, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

Reykjavik nights by Arnaldur Indridason. A great read. This is this the 10th book I have read of his and even while it may be depressing, I still find him the most interesting and worth while writer of crime fiction. This is only because Raymond Chandler has not written any books in the last 70 yea...
by Blues
Sun Mar 12, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

"The Dry" by Jane Harper. An Australian crime novel.

Synopsis can be read here: https://www.amazon.com/Dry-Novel-Jane-H ... 1250105609
by Blues
Sun Mar 12, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Impact driver (and possibly drill) recommendations
Replies: 36
Views: 2011

Re: Impact driver (and possibly drill) recommendations

So I may pick up a black & decker impact driver with 20v battery for $68 - https://www.amazon.com/BLACK-DECKER-BDCI20C-Lithium-Impact/dp/B00JJ3QY9A/ref=sr_1_1?ie=UTF8&qid=1489326876&sr=8-1&keywords=impact+driver+black+and+decker or a combo kit for $12 more - https://www.amazon.com/B...
by Blues
Sun Mar 12, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: How Many Of You Listen To The Noise?
Replies: 19
Views: 1415

Re: How Many Of You Listen To The Noise?

Not at all. Not the financial news anyway.
by Blues
Sun Mar 12, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Impact driver (and possibly drill) recommendations
Replies: 36
Views: 2011

Re: Impact driver (and possibly drill) recommendations

I've had an excellent experience over the past several years with the Black & Decker 20v Max series of tools...from portable vacs to blowers, string trimmers, hedge trimmers, drills, impact drivers etc. I've only had to have one of the dozen or so tools replaced under warranty and I had a new bl...
by Blues
Sun Feb 26, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

Reykjavik nights by Arnaldur Indridason. A great read. This is this the 10th book I have read of his and even while it may be depressing, I still find him the most interesting and worth while writer of crime fiction. This is only because Raymond Chandler has not written any books in the last 70 yea...
by Blues
Thu Feb 23, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

Big fan here of Shelby Foote, (the unapologetic Mississippian), and his three volume work on the Civil War. :beer
by Blues
Fri Feb 17, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 506
Views: 198737

Re: TV show recommendations?

Just finished season 2 of "The Missing" and it was very good. (BBC / Starz)
by Blues
Fri Feb 10, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

I just finished "Gone Baby Gone" by Dennis Lehane. Outstanding book. I had seen the movie. This is much more detailed. Ed The various Kenzie books are a lot of fun. Lehane used these to really polish his craft. His real break to serious literary novels came with The Given Day which was a ...
by Blues
Fri Feb 10, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

I just finished "Gone Baby Gone" by Dennis Lehane. Outstanding book. I had seen the movie. This is much more detailed. Ed I find that I enjoyed his earlier work more than the most recent few years. Probably up until "Shutter Island". After that, mostly I could take it or leave it.
by Blues
Thu Feb 09, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: TSP rollover help
Replies: 8
Views: 1162

Re: TSP rollover help

I sent the TSP form to Vanguard. Vanguard said they won't deal with the TSP form. I called TSP and they said they won't accept a Vanguard form. What the heck. That is very disheartening to hear. I did it years ago with three funds, (as I recall), from at least two different investment companies and...
by Blues
Wed Feb 08, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

All Joe Knight by Kevin Morris. An interesting ride thus far...about a quarter of the way through.
by Blues
Thu Feb 02, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 3292

Re: Treasury Direct Account Locked

There is no perfect security. Regardless of what you do, there is still the possibility of being hacked. If you don't want to use a web-based password locker, that's fine. But not using any password locker at all, in "today's Internet", is not a reasonable, logical thing to do. Use a loca...
by Blues
Wed Feb 01, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 3292

Re: Treasury Direct Account Locked

FRANK2009 wrote:Treasury Direct used to issue a card with letters/numbers that one needed to decode a temporary password. I felt like I was in a spy movie every time I used it.


Weren't you disappointed to find it only said: "Be sure to drink your Ovaltine"? :oops:
by Blues
Thu Jan 26, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 763979

Re: What Movie Have You Recently Watched?

As one who spent a career in law enforcement, I consider that show one of the very best of its genre along with "The Wire". You might also be interested in the French Canadian series 19-2 . There are two distinct productions, the original one in French and the parallel production I linked...
by Blues
Thu Jan 26, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 763979

Re: What Movie Have You Recently Watched?

Prime Suspect , a British police television series starring Helen Mirren as Detective Chief Inspector (DCI) Jane Tennison... Victoria As one who spent a career in law enforcement, I consider that show one of the very best of its genre along with "The Wire". Mirren and company did a specta...
by Blues
Wed Jan 25, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 763979

Re: What Movie Have You Recently Watched?

"Hell or High Water" with Jeff Bridges, Chris Pine, Ben Foster et al

Good movie on a variety of levels which hearkens back to some classic genre films of the past.

Excellent performances by the cast.
by Blues
Wed Jan 18, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

Thanks, Ed. I've had that one on my to-do list. Maybe I'll move it up. :beer
by Blues
Tue Jan 17, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 3292

Re: Treasury Direct Account Locked

Just in case anyone's wondering, the 1099-INT are not yet available for 2016 on the TD site as of just a few minutes ago.
by Blues
Fri Dec 30, 2016 8:16 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

I am in the middle of Sometimes a Great Notion by Ken Kesey, who also wrote One Flew over the Cuckoo's Nest . It is widely considered to be one of the great American novels. It was given to me by a friend, and I initially started reading it as somewhat of an aside. About 60 pages in I realized I ha...
by Blues
Thu Dec 15, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721045

Re: What Book Are You Currently Reading? Part VI

"The Constant Soldier" by William Ryan.

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