Search found 1619 matches

by Blues
Sun May 13, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 31
Views: 4820

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

Closed one large No-Penalty CD @ 1.5 % and opened three 12 month CDs @ 2.25%.

Pretty much a no-brainer for us as we have ample funds available without being concerned about locking up the $ for 12 months.
by Blues
Thu May 10, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 37
Views: 3428

Re: Which heart rate monitor is the most accurate?

I use a $20 Garmin chest strap I purchased on Amazon and it's been flawless....but I only use it in concert with my Concept2 Erg (rower).

I find it quite comfortable to wear during my conditioning workouts, and it stays in place. I don't use it for lifting weights or other activities.
by Blues
Sat Apr 28, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Roll wife’s IRA into her Thrift Savings Plan?
Replies: 25
Views: 1188

Re: Roll wife’s IRA into her Thrift Savings Plan?

Yes, I believe you should do so. It's a win-win with the additional bonus of access to the "G" Fund.

I did the same with my own tIRAs when I moved to my current state of residence because the move protected them from state taxation down the road when I begin taking RMDs at age 70 1/2.
by Blues
Thu Apr 26, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Annual Increase
Replies: 20
Views: 1710

Re: Homeowners Insurance Annual Increase

This thread inspired me to call Amica and go over our proposed renewal policy coming due in June. Just bringing down the numbers to what I (and she) considered reasonable, (as opposed to what their computer had chosen,) saved us $200. Awesome. The gal, who was both knowledgeable and as nice as can b...
by Blues
Thu Apr 26, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3035
Views: 933988

Re: What Book Are You Currently Reading? Part VI

ruralavalon wrote:
Thu Apr 26, 2018 9:58 am
Jar City, by Arnaldur Indridason.

A mystery set in Iceland, involves a murder, a 40 year old rape case, and genetics. I recommend this book.
Read the first few of that series. They were pretty good. Started to get a little repetitive after three or four as I recall.
by Blues
Mon Apr 23, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 121
Views: 8414

Re: Vanguard Web Site Down?

Getting a Page Not Found after logging in and can't navigate to any link on the site related to account information... I was unable to log in this morning as well. Received a page directing me to various phone numbers if I required assistance while the site was temporarily unavailable. The next tim...
by Blues
Fri Apr 20, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3035
Views: 933988

Re: What Book Are You Currently Reading? Part VI

"The Force" by Don Winslow. Such style and grit. Everything he does is great for different reasons. "The Cartel" and "Walking the Dog" I especially loved but his earlier, and somewhat less grand books I liked for different reasons. On other end of spectrum I'm really enjoying the Sherlock Holmes an...
by Blues
Thu Apr 12, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3035
Views: 933988

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: 3229

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: 3229

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: 4034

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: 3584

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: 1370

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: 5141

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: 47
Views: 4569

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: 47
Views: 4569

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: 11285

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: 1035

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: 1188

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: 1188

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: 6650

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: 16500

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: 3035
Views: 933988

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: 3035
Views: 933988

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: 3035
Views: 933988

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: 3035
Views: 933988

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: 3035
Views: 933988

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: 2041

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: 610
Views: 69487

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: 16500

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: 16500

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: 3035
Views: 933988

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: 1538

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: 345

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: 11285

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: 11285

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: 11285

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: 11285

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: 2733

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: 2664

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: 11285

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: 11285

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: 33848

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: 33848

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: 33848

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: 33848

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...