Search found 1725 matches

by Blues
Sat Jun 08, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 304
Views: 49118

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: 304
Views: 49118

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: 1369

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: 3778
Views: 1088778

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: 39
Views: 9233

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: 172
Views: 19881

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: 3778
Views: 1088778

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: 2532

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: 1280
Views: 130578

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: 1280
Views: 130578

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: 1280
Views: 130578

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: 2408

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: 3778
Views: 1088778

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: 2408

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: 3778
Views: 1088778

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: 3778
Views: 1088778

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: 3184

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: 1924

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: 3184

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: 3778
Views: 1088778

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: 3778
Views: 1088778

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: 6222

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: 63
Views: 4473

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...
by Blues
Thu Feb 07, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA.com now has 2018 Return available.
Replies: 41
Views: 4945

Re: FreeTaxUSA.com now has 2018 Return available.

After several decades of filing paper returns (it was just so easy to repeat what I did from the previous year), I used FreeTaxUSA for 2018 federal and state. What initially motivated was the change in federal forms this year. It was all perfectly intuitive and streamlined....could not have been ea...
by Blues
Wed Jan 23, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 61
Views: 4929

Re: Tax filing software

:beer
by Blues
Wed Jan 23, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 61
Views: 4929

Re: Tax filing software

You can also get 10% off by using the code: FreeTaxUSA10 Is that a joke? :) If so, you got me because what would 10% off of "free" actually be? No, not a joke. Only the federal filing is free. The state return, if you require one, is $12.95. Plus, if you opt for the "deluxe" package for an addition...
by Blues
Wed Jan 23, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 61
Views: 4929

Re: Tax filing software

I tried Credit Karma but since my credit is frozen I had to verify my identity. I followed their prompts, sent in a copy of my driver's license, etc. but I still kept getting error messages. They couldn't help so I said screw it and signed up for freetaxusa. I don't have all my forms (come on Vangu...
by Blues
Mon Jan 21, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130578

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

Gotcha. It's been a while since we watched that one so I don't recall any particular issues.
by Blues
Mon Jan 21, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130578

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

Finished season 1 of a new series on Amazon Prime, "Informer" and thought it was very good. In some ways, it reminded me of the series "The Night Of", where someone who seems like a really nice guy is in the wrong place at the wrong time and subsequent events really mess with his life. I also have ...
by Blues
Sat Jan 19, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 49
Views: 3377

Re: Sicily over Italian cities?

We visited Italy in the the mid 90's and went from the border region with Switzerland down to Sicily (where some of our family came from and still resides). Loved all of Italy but for us, Sicily was the "warmest" of all. The people were friendliest, the Greek ruins phenomenal, the food excellent and...
by Blues
Thu Jan 17, 2019 8:29 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 51510

Re: John Bogle has died at age 89

Godspeed, sir. Thank you for all you've done and all you've meant. Your legacy will live on.
by Blues
Sun Jan 13, 2019 8:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]
Replies: 16
Views: 1204

Re: Vanguard Asset Mix Chart

Yeah, mine showed a similar hiccup as of yesterday morning. About 23% or so of our portfolio with VG is uncharacterized.

I'm sure it's a software issue which will be rectified in a day or two. It's a nice convenience but it's easy enough to calculate in a couple minutes without the pie chart.
by Blues
Wed Jan 02, 2019 8:41 am
Forum: Personal Investments
Topic: Paying taxes on Roth conversion made in 2019
Replies: 21
Views: 1557

Re: Paying taxes on Roth conversion made in 2019

I have been converting my wife's tIRA to Roth for several years now. (I will be finished doing so before I am forced to take RMDs at 70 1/2 from my own retirement vehicle.) I do the conversion once a year, on January 1st. I have sufficient additional federal and state tax withheld from my gov't pens...
by Blues
Tue Jan 01, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130578

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

Dontwasteit wrote:
Fri Dec 07, 2018 10:16 pm
Vikings... Can't get enough!
Every week I tell myself this is the last time I'm watching. And every week I still tune in hoping it will get better. (Much to my wife's dismay.)

It's really just a soap opera anymore.
by Blues
Thu Dec 27, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?
Replies: 34
Views: 4033

Re: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?

For those who are adept at finding out tax specifics in various states, can anyone tell me whether Oregon allows for the US Govt portion of VMMXX income to be deducted for the purpose of calculating state income tax? Thanks Looks like you're good to go: Interest and dividends on U.S. bonds and note...
by Blues
Thu Dec 27, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?
Replies: 34
Views: 4033

Re: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?

Right. I would also add the $50k is an initial minimum; $1 will keep the fund active afterwards. It is also a lower risk fund than Prime MM as it’s 100% US Gov obligation. I couldn't remember if that was the case. I've seen similar with other VG funds in the past but I've never been in the situatio...
by Blues
Thu Dec 27, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?
Replies: 34
Views: 4033

Re: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?

Depending on your federal tax bracket, you might want to look at the Vanguard Treasury Money Market Fund (VUSXX). It’s 100% state tax free. $50k minimum initial investment. I've done a comparison in the recent past and the difference, (after anticipated state tax), is essentially a wash. Makes tyin...
by Blues
Thu Dec 27, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?
Replies: 34
Views: 4033

Re: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?

If any of our members in NC happen to know if the deduction is allowable under state law , please chime in. We only recently moved some funds into VMMXX so this will be the first year it will be relevant to our tax situation. (A cursory reading on the NC DOR site regarding income from U.S. gov't ob...
by Blues
Thu Dec 27, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?
Replies: 34
Views: 4033

Re: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?

If any of our members in NC happen to know if the deduction is allowable under state law , please chime in. We only recently moved some funds into VMMXX so this will be the first year it will be relevant to our tax situation. (A cursory reading on the NC DOR site regarding income from U.S. gov't obl...
by Blues
Tue Dec 25, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else unable to login to Vanguard?
Replies: 19
Views: 1641

Re: Anyone else unable to login to Vanguard?

I logged in about an hour ago with no issues.
by Blues
Sat Dec 22, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130578

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

Recently I have watched La casa de papel also known as Money Heist - https://www.imdb.com/title/tt6468322/ It is one of the most amazing robbery/Heist show I have ever seen. Recently they have announced a third season which I am desperately waiting to watch Here is a complete review for la casa de ...
by Blues
Wed Dec 19, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 33
Views: 2442

Re: Omega watch expenses

I ran Ironmans for years (the 100m ones), but kept breaking/flooding them diving. They are great watches, but the 100m depth rating isn't entirely accurate. I suspect if I ever flood the omega I will have likely already died and not be too concerned about the watch since it has 6x the depth rating ...
by Blues
Wed Dec 19, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 33
Views: 2442

Re: Omega watch expenses

I've worn a Seamaster Planet Ocean almost every day for the past 9 years and have never had it serviced. It keeps decent time so I think I'll just keep running it until it breaks and then deal with it. :happy I bought my Seamaster (automatic) in the spring of 2003. Hasn't (yet) been returned for se...
by Blues
Fri Dec 07, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3778
Views: 1088778

Re: What Book Are You Currently Reading? Part VI

Remarkable. Right after your post, if I recall correctly, the author said Fischer was one of five that had climbed all the mountains classified as 'Eight-thousander'. I forget what year it was when he started Mountain Madness and wrote to me asking me to join him on expeditions he'd lead to the Him...
by Blues
Tue Dec 04, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3778
Views: 1088778

Re: What Book Are You Currently Reading? Part VI

XtremeSki2001 wrote:
Tue Dec 04, 2018 2:15 pm
Just finished Bill Bryson's "A Short History of Nearly Everything".

Starting to read Jon Krakauer's "Into Thin Air"
I climbed with Scott Fischer in the Wind River Range of WY in 1974. (His future wife was with the group as well.)

Tragedy of epic proportions when he was lost on Everest.
by Blues
Tue Dec 04, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: taxact 2018 tax year software price increase 100%?
Replies: 32
Views: 5199

Re: taxact 2018 tax year software price increase 100%?

"New" users and "some" return users. Nothing like making it opaque.

(These are the types of games that had me leaving after the 2016 return was filed, never to return (pun intended.)
by Blues
Mon Dec 03, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 14801

Re: Retired in your late 40s or early 50s?

Retired 15 years ago at age 51. Have never regretted that decision, not even for a moment.

Our numbers, financially, have only gotten better and it's great to be able to conduct our lives according to our own wants and desires. 8-)

One of the very best decisions I ever made. :beer
by Blues
Wed Nov 28, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130578

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

Watching the latest season of Narcos, great show. Finished the latest season a few days ago. Tough to take as it reminds me of the fateful day back in 1985 when we learned we had lost Kiki Camarena to the Mexican cartel and gov't corruption. I worked on a few specific cases mentioned during the las...