Search found 1515 matches

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: 93
Views: 7552

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: 8265

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: 68
Views: 25829

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: 1088

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: 68
Views: 25829

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: 3339

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: 3296

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: 3296

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: 3296

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: 3296

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: 3296

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: 3296

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: 3296

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: 3296

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: 3296

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...
by Blues
Thu Aug 31, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

Automatic renew should be illegal unless specifically asked for by the customer. The reason money changers love it is they can and do steal from dead people's bank accounts. There is no charge unless you file a return using their software or online service. The automatic renewal is merely a means o...
by Blues
Thu Aug 31, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

Toons wrote:
Thu Aug 31, 2017 9:03 am
You can't take it with you. :happy
Oh yeah? Sez who? :greedy

You make a good point, brother. :sharebeer
by Blues
Thu Aug 31, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

I just did a quick search of the TurboTax and H&R Block sites and it appears that the cost of tax applications has gone up for all of them. Even so, as "2015" says above, the inability to pin them down to a specific price for any level of service is like trying to hold mercury down with your thumb....
by Blues
Wed Aug 30, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

Assuming it's going to be $25 for state as it was last year...not a great bargain, imho. (Though last year I managed to file for free based upon an offer I became aware of here on bogleheads.)
by Blues
Wed Aug 30, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

(I had a good experience with FreetaxUSA.com for 2016 when TaxAct raised their prices last year) No offer via email for me either...and I've been with them every year for over 10 years. On the other hand, I am seriously considering FreeTaxUSA for this year and almost went that route last filing sea...
by Blues
Fri Aug 25, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Miles Davis: Kind of Blue - Question for Jazz experts
Replies: 49
Views: 3357

Re: Miles Davis: Kind of Blue - Question for Jazz experts

Just home from a trip so I haven't had to read the other replies but off the top of my head: Oliver Nelson: The Blues & The Abstract Truth Grant Green: Idle Moments Charles Mingus: Mingus Ah-Um John Coltrane: Coltrane Plays The Blues or Lush Life Thelonious Monk: Brilliant Corners or Thelonious Monk...
by Blues
Thu Jul 27, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 884608

Re: What Movie Have You Recently Watched?

"Hacksaw Ridge" - a tale of uncommon valor. Good film, great story.

"Snowden" - Interesting and thought provoking
by Blues
Mon Jul 17, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Anyone have a second home in The NC mountains?
Replies: 25
Views: 3133

Re: Anyone have a second home in The NC mountains?

No summer home...when I decided to retire from federal law enforcement I bought a home in the western NC mountains several months before actually pulling the plug and leaving the job. Any of the areas you mentioned would be great. We live a few miles from Brevard out in the county at an elevation of...
by Blues
Thu Jul 13, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: DirectTV Install
Replies: 14
Views: 1127

Re: DirectTV Install

We live on a wooded lot. Our dish is on the back of the house, low on a corner of the roof, and is not visible from the road. The dish has a clear view of the sky and is not encumbered by any of the trees surrounding our home. We have had no leaks or issues due to the presence of the dish through sp...
by Blues
Thu Jul 13, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 10953

Re: Do you count vehicle equity in net worth?

I don't but I don't even count my home's estimated value.

I simply total up the value of my investments in equities, bonds, CDs etc.

The value of home and vehicles are gravy. Not the technically correct way of doing things but it is the method I prefer.
by Blues
Mon Jun 26, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 59
Views: 4576

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: 9712

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: 9712

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: 9712

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: 111
Views: 15477

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: 2555

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 converting my wife's ...
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: 111
Views: 15477

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: 111
Views: 15477

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: 5468

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: 5468

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: 5468

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: 5468

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: 5468

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: 5468

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: 5468

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: 4012

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: 5826

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: 2192

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: 84
Views: 12794

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: 84
Views: 12794

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: 84
Views: 12794

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: 20310

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: m Dis...
by Blues
Thu Apr 20, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 20310

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: 42195

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: 2621
Views: 836177

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 ...