Search found 1595 matches

by Blues
Tue Feb 13, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 206
Views: 15206

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: 2846
Views: 893757

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: 2846
Views: 893757

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: 2846
Views: 893757

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: 2846
Views: 893757

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: 2846
Views: 893757

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: 1785

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: 365
Views: 41406

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: 15206

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: 15206

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: 2846
Views: 893757

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: 1293

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: 302

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: 109
Views: 8995

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: 109
Views: 8995

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: 109
Views: 8995

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: 109
Views: 8995

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: 2537

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: 2509

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: 109
Views: 8995

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: 109
Views: 8995

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: 31733

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: 31733

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: 31733

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: 31733

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...
by Blues
Fri Dec 29, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Tax Act discount
Replies: 9
Views: 1195

Re: Tax Act discount

And if you need to file a state return in addition to the federal, that's an additional $37.

Thanks, but no thanks.
by Blues
Thu Dec 28, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank 11 month [No-Penalty CD]

I do not believe so, Marco. My understanding is that you have to liquidate the old account, have the funds disbursed to another Ally or off-site account, and then move the designated funds back into the newly opened account. It's unfortunate that round trips within Ally itself count against the numb...
by Blues
Thu Dec 28, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 12814

Re: Ally Bank 12 month CD now 2.00%

I wasn't going to bother, having just recently moved a chunk into a new 11 month no-penalty cd, but I figured what the heck and put about half of the money market balance into the 12 month cd.

No good reason (for us) not to take advantage of the rate. Obviously, mileage may vary.
by Blues
Sun Dec 24, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank 11 month No Penalty 1.75%

I closed out a 1.5% No-Penalty cd for the 1.6% rate within the last week...so with the "ten day, best rate guarantee" I should receive the highest rate offered during the period automatically. Thanks for the heads up. I'll verify that it is in effect when the grace period ends. :beer Checked this m...
by Blues
Sat Dec 23, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank 11 month [No-Penalty CD]

I currently have two 11 month Ally CD's at the old 1.5% offer and would like to roll these into new 1.75% CD's. Does anyone know if Ally does Credit bureau and/or Chex inquiries for this? My accounts are frozen with all of the above and I have never had an issue with renewal, or closing / opening n...
by Blues
Wed Dec 20, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 39848

Re: Improving the TSP [for current participants]

If the TSP starts allowing in-plan Roth conversions, and if the TSP allow me to bring my Roth funds from other institutions back into the TSP, I will be in a financial heaven. Victoria I'm with you...right after I finish doing Roth conversions for the missus. The rollover of a Roth to the TSP would...
by Blues
Wed Dec 20, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 39848

Re: Improving the TSP [for current participants]

It's really not that much advantages, and TSP benefits are oversold...So G fund/slightly better asset protection vs. massively better services at other locations and the advantage of consolidating my retirement accounts in one spot. It's an easy call for me after I retire. For some of us, the fact ...
by Blues
Tue Dec 19, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank 11 month No Penalty 1.75%

Ally Ten Day Best Rate Guarantee. When you fund your CD within 10 days of your open date, you’ll get the best rate we offer for your term and balance tier if our rate goes up within that time. The Ally Ten Day Best Rate Guarantee also applies at renewal.
by Blues
Tue Dec 19, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank 11 month No Penalty 1.75%

It's both funny and kinda sad how worked up we get over these low rates. :mrgreen: :oops: :sharebeer It would be interesting to know the gains in dollar terms that some of us are getting with these new rates. Enough to buy an ice cream? I calculate it as a percentage of the cost of our DirecTV spor...
by Blues
Tue Dec 19, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank 11 month No Penalty 1.75%

I closed out a 1.5% No-Penalty cd for the 1.6% rate within the last week...so with the "ten day, best rate guarantee" I should receive the highest rate offered during the period automatically. Thanks for the heads up. I'll verify that it is in effect when the grace period ends. :beer oh - me too. p...
by Blues
Tue Dec 19, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank 11 month No Penalty 1.75%

It's both funny and kinda sad how worked up we get over these low rates. :mrgreen: :oops: :sharebeer It's true! And it can be explained by some findings in cognitive psychology and behavioral economics. Specifically, experiments have shown that people get pleasure from any gains, no matter the amou...
by Blues
Tue Dec 19, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank 11 month No Penalty 1.75%

It's both funny and kinda sad how worked up we get over these low rates. :mrgreen: :oops:

:sharebeer
by Blues
Tue Dec 19, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank 11 month No Penalty 1.75%

I closed out a 1.5% No-Penalty cd for the 1.6% rate within the last week...so with the "ten day, best rate guarantee" I should receive the highest rate offered during the period automatically.

Thanks for the heads up. I'll verify that it is in effect when the grace period ends. :beer
by Blues
Fri Dec 15, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 5945

Re: Kidde fire extinguisher recall

Interesting. I called and provided the info to a rep and mine do not need to be recalled despite having some years on 'em. It's the design of the units, not the age of the units, that is driving this recall. One design that they used for many years has been shown to be flawed to the point the extin...
by Blues
Fri Dec 15, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 5945

Re: Kidde fire extinguisher recall

Interesting. I called and provided the info to a rep and mine do not need to be recalled despite having some years on 'em.
by Blues
Thu Dec 14, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

I closed out my existing 1.5% No-Penalty CD today and opened a new one with the higher rate. Hey, a few bucks here, a few bucks there...why not? Besides, who knows what the future rate will be when the first CD would have matured? If it goes down for some reason, we get some extra months at a higher...
by Blues
Wed Dec 13, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 109
Views: 8995

Re: TaxAct and alternatives

I haven't received a single communication from TaxAct since I filed my return last January. No offers, no solicitations, nothing. This, after being a loyal (desktop and online) customer for a dozen or so years. I didn't notice any mention on this site of any cyber Monday deals so I intend to provid...
by Blues
Wed Dec 13, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 109
Views: 8995

Re: TaxAct and alternatives

I haven't received a single communication from TaxAct since I filed my return last January. No offers, no solicitations, nothing. This, after being a loyal (desktop and online) customer for a dozen or so years. I didn't notice any mention on this site of any cyber Monday deals so I intend to provid...
by Blues
Wed Dec 13, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 109
Views: 8995

Re: TaxAct and alternatives

I haven't received a single communication from TaxAct since I filed my return last January. No offers, no solicitations, nothing. This, after being a loyal (desktop and online) customer for a dozen or so years. I didn't notice any mention on this site of any cyber Monday deals so I intend to provide...
by Blues
Sat Dec 09, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31733

Re: Ally Bank raises 11 month ($25k min) No Penalty CD from 1.5% to 1.6%

One has the option of receiving the interest monthly, quarterly or at the end of term on these 11 month CDs.

(If there is a period shorter than monthly I don't recall from the times I've gone through the process.)
by Blues
Mon Dec 04, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 206
Views: 15206

Re: Federal Retiree Health Care with/Medicare

I admit I'm being alarmist and it probably does not matter. But I've had poor experiences with them and just want to stay away. It is becoming more difficult every year. Two suggestions... 1. Don't get sick 2. Don't take prescription drugs. Bonus: Don't watch the cable news networks, all they do is...
by Blues
Tue Nov 28, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: new dehumidifier?
Replies: 9
Views: 638

Re: new dehumidifier?

First, if no longer under any warranty, (and I assume an 8 year old unit isn't), they are not worth repairing. Second, while Frigidaire (Electrolux) generally gets the best reviews overall, (and is what I have), their record has not been very good either. (I've replaced several (under warranty) unti...
by Blues
Sun Nov 26, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 18331

Re: Chromebooks- What is the lure?

I assume Chromebooks have a Favorites/Bookmarks feature - and that list is also stored in the Google cloud.? Sorry if this comes across as question borne of ignorance, but it is. Yes, Luigi, your faves and bookmarks get stored in the cloud. If you log in on another Chromebook your interface will be...
by Blues
Sun Nov 26, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2846
Views: 893757

Re: What Book Are You Currently Reading? Part VI

Recently finished "Killers of the Flower Moon: The Osage Murders and the Birth of the FBI" by David Grann.

An eye opening read about a shameful period in American history. Compelling story worth your time.