Search found 1751 matches

by Blues
Mon Nov 11, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Bailey Settlement question -- of interest only to NC residents
Replies: 21
Views: 2693

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

So, if I get this correct, under the following facts, my Federal government retirement annuity and TSP distributions are tax-exempt from North Carolina State income tax? I currently live in Virginia and am planning to move to North Carolina mid-2020 and purchase real property (near my son and daugh...
by Blues
Fri Nov 08, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164153

Re: [What TV Show Have You Recently Watched?]

Jack Ryan, seasons 1 and 2, were both wanting on so many levels. Hours I'll never get back.
by Blues
Sat Oct 26, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

The Blackhouse , by Peter May. This is a very good mystery-thriller, the first of a series of three. A Scottish police detective returns to his childhood home on the Island of Lewis in the Outer Hebrides to try to solve two murders, and unravels a mystery from his own youth. I wondered if anybody h...
by Blues
Mon Oct 21, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

"Knots and Crosses" by Ian Rankin, the first book of 22 in the (Police Detective) John Rebus series. All take place in Edinburgh, Scotland. "The Night Fire" by Michael Connelly is out tomorrow. This is a Harry Bosch/Renee Ballard mystery. I love the Bosch series and anything by Michael Connelly. Da...
by Blues
Sun Oct 13, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

"Knots and Crosses" by Ian Rankin. The first of the Inspector Rebus series.
by Blues
Thu Oct 03, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

See pages 7-8 of this TSP pub https://www.tsp.gov/PDF/formspubs/tspbk02.pdf Thanks, Huey. Here's the relevant section for those who cannot access for one reason or another... Spouses’ Rights The Federal Employees’ Retirement System Act of 1986, which created the TSP, provides certain rights to spou...
by Blues
Thu Oct 03, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

Please note that the requirement to have spouse sign the TSP withdrawal form applies to FERS and military accounts, but not to CSRS accounts. The signature requirement is part of the FERS law, so yes, it would take an act of Congress to change that. CSRS spouses receive notification. Well, that (se...
by Blues
Wed Oct 02, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

A North Carolina resident who had more than 5 years of federal service before 1989 (Bailey decision) is in a situation where TSP withdrawals are not taxed but IRA withdrawals are taxed . Are there any other situations where TSP withdrawals differently than IRA withdrawals? One non-TSP alternative t...
by Blues
Wed Oct 02, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

A North Carolina resident who had more than 5 years of federal service before 1989 (Bailey decision) is in a situation where TSP withdrawals are not taxed but IRA withdrawals are taxed . Are there any other situations where TSP withdrawals differently than IRA withdrawals? One non-TSP alternative t...
by Blues
Fri Sep 27, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

a. Take an RMD from the TSP, (CSRS, no Roth), in that same year, in which I turn both 70 1/2 and 71...which will represent the RMD for age 70 1/2. Defer the age 71 payment until sometime prior to April of the following year. Then defer the age 72 RMD until the first few months of the following year...
by Blues
Fri Sep 27, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

a. Take an RMD from the TSP, (CSRS, no Roth), in that same year, in which I turn both 70 1/2 and 71...which will represent the RMD for age 70 1/2. Defer the age 71 payment until sometime prior to April of the following year. Then defer the age 72 RMD until the first few months of the following year...
by Blues
Fri Sep 27, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

Someone please clear this up for me, since I always seem to be of two minds on the matter... If I turn 70 1/2 in the same year I'll be 71, (birthday in the second half of the year), the options are: a. Take an RMD from the TSP, (CSRS, no Roth), in that same year, in which I turn both 70 1/2 and 71.....
by Blues
Mon Sep 23, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164153

Re: [What TV Show Have You Recently Watched?]

The missus didn't care much for Detectorists after the first episode...but now she's looking forward to starting season 2 this evening.

I find it a refreshing change from our usual fare.
by Blues
Fri Sep 20, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164153

Re: [What TV Show Have You Recently Watched?]

hoops777 wrote:
Fri Sep 20, 2019 12:49 pm
Finished Unbelievable on Netflix.Excellent.
Agreed. Even the not so subtle girl power / anti-male undercurrent wasn't enough to undermine the excellent production values, acting and story.
by Blues
Thu Sep 19, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

Ghettoside: A True Story of Murder in America by Jane Leovy. "NEW YORK TIMES BESTSELLER • NAMED ONE OF THE TEN BEST BOOKS OF THE YEAR BY SAN FRANCISCO CHRONICLE, USA TODAY, AND CHICAGO TRIBUNE • A masterly work of literary journalism about a senseless murder, a relentless detective, and the great pl...
by Blues
Mon Sep 16, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 89
Views: 9140

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

We switched from Verizon post-paid to pre-paid and saved about the same percentage as the OP...plus got more data per month at the same time.

Good deal.
by Blues
Sat Sep 14, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: HVAC isues - fix R22 system or replace?
Replies: 14
Views: 1051

Re: HVAC isues - fix R22 system or replace?

I just went through this in late June after the inside coil had a catastrophic failure and lost refrigerant. Replaced my 20 year old Trane A/C and furnace with a new Heat Pump from American Standard, (same as Trane but for the nameplate), and a high efficiency Goodman furnace. Better to bite the bul...
by Blues
Fri Sep 13, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9368

Re: How old is your cellphone?

iPhone 5c. I plan to use it until it's no longer viable. Not used for banking or finance. Simply as a phone, texts, convenience, music, images etc.
by Blues
Mon Sep 09, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

All of my TSP is invested in the "G" Fund. I won't need to take RMDs for about five years and that's the only withdrawal method I plan on utilizing when the time comes. No sense for me to move the funds out of the TSP since they are not taxable, (in my case), by the state but would lose that exempt ...
by Blues
Sun Sep 01, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

Norco '80: The True Story of the Most Spectacular Bank Robbery in American History by Peter Houlahan
by Blues
Wed Aug 07, 2019 8:51 am
Forum: Personal Investments
Topic: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"
Replies: 45
Views: 10966

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

Ray, the easiest way to start would be to make changes in your tax advantaged accounts, TSP, IRAs, any 401k that you or spouse have, since you can do so without tax consequences. Maximize your bond holdings in those accounts to bring down your overall equity position. After that, you might consider ...
by Blues
Sat Jul 20, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?
Replies: 189
Views: 20122

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

30 / 70 works for us as we have "enough" given our chosen lifestyle based upon the value of our portfolio and my federal law enforcement pension. In fact, we've been getting by for years between the 25 and 30 percent allocation to equities without any issues whatever but I intend to bump it up 30% w...
by Blues
Thu Jul 18, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164153

Re: [What TV Show Have You Recently Watched?]

"Southland" on hulu. Never watched the series when it was on NBC / TNT some years back.

A good police procedural spanning five seasons. Starts out a bit over the top in terms of some of the acting and dialog but dials it in over time.
by Blues
Wed Jul 17, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 5498

Re: Do you care about your home appreciating?

Not concerned about it one way or the other...up, down or steady.
by Blues
Fri Jun 21, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

Just finished "Labyrinth of the Spirits" by Carlos Ruiz Zafon and I thought it was a poor conclusion to the saga (consisting of three prior books). It was way too long, the dialog was amateurish and the plot line pedestrian and cumbersome. Began reading "Grant" by Ron Chernow last night. Looks like ...
by Blues
Sat Jun 08, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

Biggest reason for me to keep funds in the TSP other than access to the "G" fund is that I will not be taxed by my state of residence when I begin RMDs several years down the road. Those two factors make staying put an easy decision. Hi, Blues, are you in NC? I have read varying interpretations of ...
by Blues
Sat Jun 08, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62096

Re: Improving the TSP [for current participants]

Biggest reason for me to keep funds in the TSP other than access to the "G" fund is that I will not be taxed by my state of residence when I begin RMDs several years down the road. Those two factors make staying put an easy decision.
by Blues
Thu May 30, 2019 9:28 am
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1494

Re: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

I just had a couple of 12 month CDs roll over at Ally this month and when I checked I didn't see the Select option. (I do have a 14 month Select CD at 2.9 or 2.95 from back around the prior holidays.) Going forward, if Ally can't be bothered to publish the Select rate along with all of the other opt...
by Blues
Mon May 27, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

"The Labyrinth of the Spirits" by Carlos Ruiz Zafón.

The fourth and final book in his "Cemetery of Forgotten Books" series.

Early on but appears to be well done thus far.
by Blues
Fri May 24, 2019 3:25 pm
Forum: Personal Investments
Topic: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"
Replies: 45
Views: 10966

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

I'm in virtually the same boat. Roughly a 30/70 split. (A hair under 30 after the past couple days.) This is comfortable for me, (us), since my pension more than covers our regular monthly expenses and I usually end up banking some portion of it in VUSXX (Treasury Money Market). Since we don't need ...
by Blues
Wed Apr 24, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 174
Views: 23813

Re: Why should FEHB members buy Medicare Part B?

I am on Medicare Part A and FEHB. The missus is not yet of age. (Another couple of years.)

I have done the research and am satisfied that opting out of Part B was the right decision for me. No doubt it's not the right answer for everyone.
by Blues
Thu Apr 18, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

Just finished "The Last Stone" by Mark Bowden. A somewhat tedious telling of an interrogation leading to the solving of a decades old abduction and murder. (Don't expect anything approaching Black Hawk Down.) Now reading "Lethal White" the fourth installment of the Cormoran Strike series by "Robert ...
by Blues
Sat Apr 13, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Ally Money Market Account - tell me about your experience
Replies: 25
Views: 2685

Re: Ally Money Market Account - tell me about your experience

Ally MM has worked out great for us. Allows us to easily move money between MM, CD's, brick and mortar bank and Vanguard.
No complaints whatsoever. Been with Ally about seven years or so.
by Blues
Tue Apr 09, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164153

Re: [What TV Show Have You Recently Watched?]

I thought "The Killing" was decent for the most part...but it got a little out of hand. (Admittedly, it's difficult for (in this case retired) LEOs to ignore certain types of irregularities, plot holes and plain old whoppers.) I know what you mean. As a former software developer/programmer, I frequ...
by Blues
Tue Apr 09, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164153

Re: [What TV Show Have You Recently Watched?]

I thought "The Killing" was decent for the most part...but it got a little out of hand. (Admittedly, it's difficult for (in this case retired) LEOs to ignore certain types of irregularities, plot holes and plain old whoppers.)
by Blues
Tue Apr 09, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164153

Re: [What TV Show Have You Recently Watched?]

stoptothink wrote:
Tue Apr 09, 2019 9:21 am
chipperd wrote:
Tue Apr 09, 2019 7:30 am
Didn't read all the posts, so forgive me if this has been mentioned. If you like Bourne Identity type stuff.
On Amazon Prime:
"Hanna"
Just finished this. Very mediocre.
Thanks for that. I was trying to decide if it was worth the (bad) risk.
by Blues
Thu Mar 28, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: Propane Weed Torch?
Replies: 27
Views: 2644

Re: Propane Weed Torch?

Those goats must be the GOAT, for $2000.00 The big disadvantage of goats is that 100% of the weeds they consume they turn into goat manure. I use to live in a town that did this on the parks where there were hiking trails. Imaging hiking through several acres which are 2" to 3" deep in little goatb...
by Blues
Wed Mar 27, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

Thanks for the feedback. Looks like I'll be skipping this one. I recently heard someone comparing The Dog Stars with The Road , which I think is an amazing book. You're welcome. I do recommend "The Dog Stars". Quite a good read, imho. And, as a big fan of all things Cormac McCarthy, I recommend nea...
by Blues
Wed Mar 27, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Propane Weed Torch?
Replies: 27
Views: 2644

Re: Propane Weed Torch?

Those goats must be the GOAT, for $2000.00
by Blues
Wed Mar 27, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

Started "The River" by Peter Heller last night. I read and enjoyed The Painter earlier this year. I hope you'll come back and let us know how you like this one. "The River" was fair to middlin'. Repetitive, somewhat one dimensional and never really reached the level of what it might have been. A bi...
by Blues
Tue Mar 26, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

I've read many or most of Ambrose's works and enjoyed them all.
by Blues
Sun Mar 24, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Adjustable dumbbell recommendations
Replies: 65
Views: 3720

Re: Adjustable dumbbell recommendations

I've owned and used PowerBlocks since the 90's and they're great. My set goes up to 125 lbs for each of the two dumbbells. You can use Platemates or various magnets which can be found online to jump weights in quarter lb to 1.25 lb increments for each dumbbell. I've had nothing but an excellent exp...
by Blues
Sun Mar 24, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Moving from NYC to Miami
Replies: 18
Views: 2066

Re: Moving from NYC to Miami

We moved from NYC to Miami due to my work in federal law enforcement in the late 80's and spent 17 years there. We lived in an apartment on Key Biscayne and it was a great place to live during that time. We were close to the ocean, (down the block), and it was like living in a small community within...
by Blues
Sun Mar 24, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Adjustable dumbbell recommendations
Replies: 65
Views: 3720

Re: Adjustable dumbbell recommendations

I've owned and used PowerBlocks since the 90's and they're great. My set goes up to 125 lbs for each of the two dumbbells. You can use Platemates or various magnets which can be found online to jump weights in quarter lb to 1.25 lb increments for each dumbbell. I've had nothing but an excellent expe...
by Blues
Fri Mar 22, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

Started "The River" by Peter Heller last night. I read and enjoyed The Painter earlier this year. I hope you'll come back and let us know how you like this one. I really enjoyed "The Dog Stars" by Heller...but really disliked "The Painter". Hopefully "The River" will get me back to enjoying his wor...
by Blues
Fri Mar 22, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169522

Re: What Book Are You Currently Reading? Part VI

Just finished "The Border" by Don Winslow. A fitting ending for his narco-trafficking trilogy.

Started "The River" by Peter Heller last night.
by Blues
Sun Mar 10, 2019 7:20 am
Forum: Investing - Theory, News & General
Topic: After ten years, most of the record of the crash is gone
Replies: 41
Views: 6505

Re: After ten years, most of the record of the crash is gone

Thank you, grabiner, for compiling that impressive information and putting it into perspective. :sharebeer
by Blues
Sun Feb 10, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 78
Views: 6645

Re: Recommendation for home gym (limited space)

PowerBlocks are great dumbbells. I've had my set, (adjustable from 5 lbs to 125 lbs each in literally a second or two via a steel pin), since the 90's with no issues to report. Add a bench and you can do full body workouts. My home gym currently includes olympic bars and a Concept2 rower, but if you...