Search found 1368 matches

by Blues
Fri Feb 05, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5307

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

Over 100%. We are fortunate enough to be able to save a portion of our monthly income toward the purchase of "big ticket" items such as the new vehicle we bought just last week.
by Blues
Wed Feb 03, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6408

Re: What age did you retire

I had just turned 51.
by Blues
Thu Jan 28, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 44
Views: 3245

Re: Treasury Direct is a waste of time

I got fed up with TD myself and cashed out our I Bonds on New Year's Day. (Processed nice and quick, thank you.)

I used some of that money to buy a new truck so it wasn't a total loss. :sharebeer
by Blues
Mon Jan 18, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 3571

Re: Taxact breached as well - just saw an article in wsj

Well, hopefully it's the same rascals that breached OPM. They probably just wanted to double check the data. :oops:

Personally, I wouldn't abandon TaxAct at this juncture.
by Blues
Sun Jan 03, 2016 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 73
Views: 8010

Re: Are Bogleheads Buying I-Bonds 2016?

@Blues, That's becoming my view also. Even finding out how much I have in the account is a PITA. Did you wait for any penalties to time out, or was the penalty immaterial? I honestly didn't care about the penalties. I would track the value of the I Bonds with the "Savings Bond Wizard" fro...
by Blues
Sun Jan 03, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 170027

Re: TV show recommendations?

Currently splitting non-sports related TV between the final three episodes of "Foyle's War" and "Making A Murderer" on Netflix. I must say, as a retired federal law enforcement officer, that "Making A Murderer" is pretty compelling stuff. I am frequently astounded and d...
by Blues
Sun Jan 03, 2016 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 73
Views: 8010

Re: Are Bogleheads Buying I-Bonds 2016?

No. We're done with them. I've been on the fence about I Bonds the past few years because: 1. The Treasury Direct website is a pain. As I log in so rarely, (usually only to make our yearly purchases), I invariably have to log out of the separate account I use to manage our finances in order to obtai...
by Blues
Mon Dec 28, 2015 3:02 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 170027

Re: TV show recommendations?

MNGopher wrote:I might be biased being from Minnesota, but I think Fargo is the best show since Breaking Bad. Ya, you bet, for suure.


What's that then? :)

I agree. The missus and I are really bummed that the new season just ended.

Long live the "Butcher Of Luverne"! :sharebeer
by Blues
Sun Dec 27, 2015 12:53 pm
Forum: Investing - Theory, News & General
Topic: A little about Larry S
Replies: 51
Views: 7051

Re: A little about Larry S

Great pic. I remember all the hoopla when they opened an Alexander's on Queens Blvd. years ago.
by Blues
Sun Dec 27, 2015 8:45 am
Forum: Investing - Theory, News & General
Topic: A little about Larry S
Replies: 51
Views: 7051

Re: A little about Larry S

Blues You just did "repay" me Best wishes Larry Somehow I knew that would be your reply. You are too kind. The comfort we take with both our financial plan and current circumstances is in no small part due to your making the concept of risk (and the need, ability and willingness to take o...
by Blues
Sun Dec 27, 2015 8:22 am
Forum: Investing - Theory, News & General
Topic: A little about Larry S
Replies: 51
Views: 7051

Re: A little about Larry S

Another Brooklyn ---> moved to Queens boy here.

I (like many others) owe Larry a debt for an education I'll never be able to repay. :beer
by Blues
Wed Dec 16, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Need indoor "orthotic" shoes/slippers
Replies: 27
Views: 1112

Re: Need indoor "orthotic" shoes/slippers

I personally went with the Merrell "Encore Bypass" which has both good arch support as well as superior cushioning: http://www.amazon.com/dp/B004J2PB9A/ref=twister_B005O65HJ4 (I use them as my indoor slippers as well as for quick runs outside and around the property.) I am also a proponent...
by Blues
Sat Dec 12, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: IRS IP PIN: Pros & Cons?
Replies: 17
Views: 1634

Re: IRS IP PIN: Pros & Cons?

As I understand the system once the IRS has flagged your SSN as one with fraudulent activity all returns e-filed or mailed must contain the assigned PIN or they will be rejected. That is not my understanding per the letter rec'd from the IRS in connection with submitting the initial request for an ...
by Blues
Sat Dec 12, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1352
Views: 277826

Re: What Book Are You Currently Reading? Part VI

"The Confession" by Olen Steinhauer
by Blues
Tue Dec 08, 2015 5:19 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

Well, I finally got my own "Dear John" letter... :oops: I knew it was only a matter of time.
by Blues
Sun Dec 06, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

1. Accept all OPM offers. If your identity is misused, you will be able to demonstrate that you took all prudent measures. ... 4. Freeze your credit at four major Credit Reporting Agencies (CRA), i.e., Equifax, Experian, Trans Union, and Innovis. For those of us who froze our credit before being ad...
by Blues
Fri Dec 04, 2015 9:30 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 170027

Re: TV show recommendations?

I'm about half way through the sixth season of The Good Wife . I'm watching it on a DVD I borrowed from my library. If I didn't have a final coming up next week, I'd be binge-watching this. It's that good. I think it says lot about this series, or any series, that in its sixth season, it hasn't los...
by Blues
Tue Dec 01, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

(The letter from the IRS states, however, that the account has been "marked with an identity theft indicator" so hopefully that offers some modicum of protection in the interim.) You mean all accounts that were identified as stolen has been marked with id theft indicator? If so, that make...
by Blues
Tue Dec 01, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

I think that freezing credit and submitting a Form 14039 will provide far more protection than anything the OPM or a commercial service can offer. Just as a general FYI for those who are interested in availing themselves of this service...the IRS site that enables the online PIN request is down for...
by Blues
Tue Dec 01, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

Dieharder wrote:Anyway, this sucks big time. Government collecting everything about your life then not being able to protect it.


Can't argue with you there.
by Blues
Tue Dec 01, 2015 8:57 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

This may seem like a stupid question, but I am going to ask anyway. How will it be known to whoever has your social security, dob, address, and other details that you have an account with Vanguard or some other investment company? That information is not reported by credit reporting agencies, and t...
by Blues
Wed Nov 18, 2015 8:16 am
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 374
Views: 47413

Re: "Vanguard converting mutual fund accounts to brokerage?

Doc wrote:If there is an error of 2 cents there also could be an error of $2K or $200K.


Very true.
by Blues
Sat Nov 14, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

I'm a bit beyond surprised that I haven't (yet) received any notification from OPM. However, assuming the worst, I've frozen our credit, taken additional steps to enhance online security (especially as regards financial sites) and mailed off my request for the IRS PIN. Hopefully a modicum of due dil...
by Blues
Thu Nov 12, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

Many thanks to all who have provided us with the relevant sites and info. My request will be sent out as soon as I have the opportunity to run by the local P.O. and hand it off directly. :sharebeer
by Blues
Thu Nov 12, 2015 1:02 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

Do both parties to a joint return need to have a PIN or can a joint return be filed with only one? There is only 1 spot for an IP PIN on the 1040, but that doesn't mean that an ID thief won't file a fraudulent form using either of your SS#'s. Thanks for that info. I was wondering whether the joint ...
by Blues
Wed Nov 11, 2015 10:43 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

How does this work when one is using TurboTax or some other tax preparation software package to prepare one's tax return? From the TaxAct site: IRS Identity Protection PIN If you were a victim of identity theft, you may receive IRS Notice CP01A containing a single use 6-digit PIN. If you have mispl...
by Blues
Wed Nov 11, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

Do both parties to a joint return need to have a PIN or can a joint return be filed with only one? If both of you were targets of a data breach, you should each fill out a 14039, and likely you will each receive separate IP PINs. After that, both of you will be protected against someone filing a fa...
by Blues
Wed Nov 11, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 286
Views: 31957

Re: OPM breach and credit freeze

Do both parties to a joint return need to have a PIN or can a joint return be filed with only one?
by Blues
Thu Nov 05, 2015 8:10 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1352
Views: 277826

Re: What Book Are You Currently Reading? Part VI

"The Nearest Exit" by Olen Steinhauer.
by Blues
Wed Nov 04, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 170027

Re: TV show recommendations?

Fargo . Season 2. Episode 4 airs tonight. http://www.nytimes.com/2015/10/12/arts/television/review-fargo-returns-with-a-triple-murder-at-a-waffle-hut.html?ref=television F A R G O is the best series on TV this year. Last year also. " I'll have a chocolate glaze... He's payin for it" Can't...
by Blues
Wed Oct 28, 2015 7:14 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1352
Views: 277826

Re: What Book Are You Currently Reading? Part VI

Just finished "Career of Evil" by Robert Galbraith (J.K. Rowling). A somewhat meandering and (overall) disappointing read.
by Blues
Wed Oct 14, 2015 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard asking me to move funds into brokerage?
Replies: 22
Views: 3029

Re: Vanguard asking me to move funds into brokerage?

Castanea_d. wrote:Blues, thank you for calling Vanguard. I consider it good news that people with existing mutual fund accounts will not forced into the conversion.


You're welcome. :beer I figured it might be useful to hear what their reps had been instructed to say when queried on the matter.
by Blues
Wed Oct 14, 2015 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard asking me to move funds into brokerage?
Replies: 22
Views: 3029

Re: Vanguard asking me to move funds into brokerage?

hollowcave2 wrote:Thanks, Blues, for calling a Vanguard rep and getting some clarity for me.

Steve


My pleasure, Steve. :beer
by Blues
Tue Oct 13, 2015 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard asking me to move funds into brokerage?
Replies: 22
Views: 3029

Re: Vanguard asking me to move funds into brokerage?

After posting my questions earlier, I decided to call and get a representative on the line. The rep told me that if a client declines to make the change, that their accounts will remain just as they are with no changes. There is no "drop dead" date by which time if someone does not elect t...
by Blues
Tue Oct 13, 2015 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard asking me to move funds into brokerage?
Replies: 22
Views: 3029

Re: Vanguard asking me to move funds into brokerage?

Hmmm, looks like a little turbulence ahead... :oops:
by Blues
Tue Oct 13, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard asking me to move funds into brokerage?
Replies: 22
Views: 3029

Re: Vanguard asking me to move funds into brokerage?

What will happen if no action is taken by the account holders? Is anyone aware of any negatives thus far?
by Blues
Sat Oct 10, 2015 5:44 pm
Forum: Personal Consumer Issues
Topic: LogMeIn to acquire LastPass
Replies: 46
Views: 3260

Re: LogMeIn to acquire LastPass

VictoriaF wrote:How difficult is it to switch from LastPass to KeePass? How difficult is it to switch from KeePass to 1Password?

Victoria


This is all I am aware of at the moment:

https://lastpass.com/support.php?cmd=showfaq&id=1206
by Blues
Sat Oct 10, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: LogMeIn to acquire LastPass
Replies: 46
Views: 3260

Re: LogMeIn to acquire LastPass

"Secondly, this acquisition provides us with access to resources that will enable us to innovate faster, as we continue to strive to deliver an even better product than the one you have come to know and love. It is also important to note that the current LastPass team is staying in place and r...
by Blues
Sat Oct 10, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: LogMeIn to acquire LastPass
Replies: 46
Views: 3260

Re: LogMeIn to acquire LastPass

"Secondly, this acquisition provides us with access to resources that will enable us to innovate faster, as we continue to strive to deliver an even better product than the one you have come to know and love. It is also important to note that the current LastPass team is staying in place and r...
by Blues
Sat Oct 10, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: LogMeIn to acquire LastPass
Replies: 46
Views: 3260

Re: LogMeIn to acquire LastPass

"Secondly, this acquisition provides us with access to resources that will enable us to innovate faster, as we continue to strive to deliver an even better product than the one you have come to know and love. It is also important to note that the current LastPass team is staying in place and r...
by Blues
Wed Oct 07, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 21043

Re: ALLY Bank and the new tier announcement

Twins Fan wrote:In two years I have yet to use the debit card though, so....


We've never used ours either. (At the ATM or otherwise.)
by Blues
Sat Oct 03, 2015 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 21043

Re: ALLY Bank and the new tier announcement

I'm all for it, Kevin. I just can't jump in and out of accounts on a weekly, monthly or quarterly basis. It would drive me nuts and when I drop dead my wife will never figure out where the money is. (And I was mostly just having a bit of fun, anyway. Don't take it personally. :beer )
by Blues
Sat Oct 03, 2015 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 21043

Re: ALLY Bank and the new tier announcement

Wow, and I thought the expenditure of several hours a week on chess and tactics might be viewed as wasting too much of my time... :oops: I think that if Warren Buffet read this thread he might amend his recently famous quote to: “To make money they didn’t have & didn’t need, they spent (too much...
by Blues
Sat Oct 03, 2015 7:23 am
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 21043

Re: ALLY Bank and the new tier announcement

Rec'd the email yesterday. Will make the appropriate decision before the date(s) their new changes would impact our accounts and bottom line. (Like Toons, we quit rate chasing a good while back.) It does make me think twice about engendering future business with them and will give thought to finding...
by Blues
Fri Sep 25, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Pre-season tax s/w registration: 2015 TaxACT online. $13.99
Replies: 13
Views: 1020

Re: Pre-season tax s/w registration: 2015 TaxACT online. $13.99

I received an email from TaxAct in February :shock: of this year offering my early signup discount for year 2015. Pleased with their software now for years,,,signed up for Deluxe again. :happy I guess that offer musta got lost tryin' to make it over them thar hills and never made it down to my litt...
by Blues
Fri Sep 25, 2015 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Pre-season tax s/w registration: 2015 TaxACT online. $13.99
Replies: 13
Views: 1020

Re: Pre-season tax s/w registration: 2015 TaxACT online. $13.99

I pre-ordered TaxAct at the same price a month or so back when I happened to log on to their site to check something from last year's return. While I might find a better price down the road, I feel that I am getting (more than) fair value for the money spent and the time saved using their software. ...
by Blues
Sun Sep 13, 2015 7:12 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1352
Views: 277826

Re: What Book Are You Currently Reading? Part VI

"Weapons Of Chess" by Bruce Pandolfini
by Blues
Mon Aug 24, 2015 9:44 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 181
Views: 24855

Re: Bernstein: "If you've won the game, stop playing."

"To make money they didn't have & didn't need, they risked what they did have & did need." - Warren Buffett
by Blues
Mon Aug 24, 2015 7:33 am
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 9307

Re: How long will you"Stay the Course"?

If one has already established a well thought out "course" based upon their personal risk tolerance, as well as "need, willingness and ability" to take on additional risk, there should be no "need" to adjust or deviate from that course (except for rebalancing as called ...
by Blues
Sat Aug 22, 2015 7:33 am
Forum: Personal Consumer Issues
Topic: Removing black stains from tub
Replies: 23
Views: 1880

Re: Removing black stains from tub

We've had amazing success with Bar Keepers Friend on our shower floor when no other cleaning product would do anything. I wet the area, sprinkle it over the area to be cleaned, let it set up for several minutes and then scrub with a hard bristled nylon cleaning brush (like a deck brush). My wife and...

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