Search found 359 matches

by djmbob
Sat Apr 25, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24353

Re: IRS Get My Payment up and running

Yep, finally worked for me too!! :D
Also an H&R Block software e-filer.
Filed 2019 on 4/16 and it said 2019 data was invalid, so I entered 2018 info and it worked!
Now just waiting... thanks so much for the tips!
Cheers,
Ray
by djmbob
Tue Apr 14, 2020 9:51 am
Forum: Personal Investments
Topic: Vanguard phone wait times during COVID-19?
Replies: 7
Views: 701

Re: Vanguard phone wait times during COVID-19?

Just commenting on the subject line: After stopping my mom's RMDs online two weeks ago, I then called Vanguard Annuity folks to take the remaining RMD amount from her Annuity. I prepared my mom for a long wait time. They answered the call immediately! :D
Cheers,
Ray
by djmbob
Sun Apr 12, 2020 1:49 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46299

Re: The One-Fund Portfolio as a default suggestion

I find this to be an interesting approach, especially since our portfolio has changed quite a bit. We were 50/50 (with 20% int'l). Then last Dec, I sold much of the stock funds to pay for an expense, and now after all the market changes I am currently at ~30/70. I participate in the TSP [EDITED] I h...
by djmbob
Fri Apr 10, 2020 9:12 am
Forum: Forum Issues and Administration
Topic: Russian words in bogleheads.org Google searches?!
Replies: 14
Views: 1681

Russian words in bogleheads.org Google searches?!

Is it only me having the experience that when I do a search of the forum from the "bogleheads.org" web page (outside of the forum page) that Russian words are interspersed within the Google search results? I've done virus checks to see if anything is on my laptop. Nothing shows up. I've uninstalled ...
by djmbob
Thu Apr 09, 2020 7:55 am
Forum: Personal Investments
Topic: Wash Sale? Total Stock + Total Int'l into Tot World
Replies: 3
Views: 386

Re: Wash Sale? Total Stock + Total Int'l into Tot World

Thank you, PJ and Dominic... making the move today. Cheers, Ray :sharebeer :sharebeer
by djmbob
Wed Apr 08, 2020 6:39 pm
Forum: Personal Investments
Topic: Wash Sale? Total Stock + Total Int'l into Tot World
Replies: 3
Views: 386

Wash Sale? Total Stock + Total Int'l into Tot World

I searched for this in past posts but didn't find anything that would help.
I am thinking of selling some Total Stock Mkt and Total Int'l in my taxable and then buying Total World in Roth. Would the combination of the two into TW be considered a wash sale?
Thanks for any advice.
Be Safe
Ray
by djmbob
Mon Apr 06, 2020 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Refinance a non-VA loan into a VA loan possible?
Replies: 1
Views: 144

Re: Refinance a non-VA loan into a VA loan possible?

In mid-March we refi'd a Penfed 5/5 loan that reset up last summer to 3.875 and combined it with our Penfed HELOC at 5.25% -- got a Penfed VA 30-year at 3.125 with some cash out. Started the process in early January. Thought it was a good move for us. Same benefit with no funding fee.
Cheers, Ray
by djmbob
Fri Apr 03, 2020 8:36 pm
Forum: Investing - Theory, News & General
Topic: Interesting Series "Every recession in US history"
Replies: 0
Views: 187

Interesting Series "Every recession in US history"

Slide show for every recession in US history and how the country responded. https://www.msn.com/en-us/money/markets/every-recession-in-us-history-and-how-the-country-responded/ss-BB125E2B?ocid=msedgntp#image=48 Interesting list of every recession in the US = I never knew there were so many... and so...
by djmbob
Wed Apr 01, 2020 1:39 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50876

Re: How Is Your Job Being Impacted By The Current Crisis?

Retired mil for the past 10 years and thought it would be fun to work for the Census, so am a Field Supervisor with them. All non-full time office staff (so pretty much all field staff) are home with "Stop work," but amazingly for temp part time workers, they are paying us for 19 hours a week... I a...
by djmbob
Mon Mar 30, 2020 6:03 pm
Forum: Investing - Theory, News & General
Topic: Are Japan like "lost decades" possible in US and world stock market?
Replies: 82
Views: 8254

Re: Are Japan like "lost decades" possible in US and world stock market?

I think that 3 weeks after the last post, this might be a good thread to revisit for any new thoughts. Here is an article from The Economist that also caught my attention... https://www.economist.com/finance-and-economics/2020/03/25/how-to-pay-for-the-pandemic From it... The effect was to force dome...
by djmbob
Sun Mar 29, 2020 5:42 pm
Forum: Personal Investments
Topic: Stopping 92 yo Mom's RMD- & Change to Annuity WD
Replies: 7
Views: 537

Re: Stopping 92 yo Mom's RMD- & Change to Annuity WD

Thank you, Alan. Yes, it was after 1982. I moved several earlier Annuities that her "financial advisor" had set up over to Vanguard many years ago.
I consider the tax issue to be a wash, and my key consideration is to protect her from TIRA withdrawing during a time of loss of value.
Cheers,
Ray
by djmbob
Sun Mar 29, 2020 5:04 pm
Forum: Personal Investments
Topic: Stopping 92 yo Mom's RMD- & Change to Annuity WD
Replies: 7
Views: 537

Re: Stopping 92 yo Mom's RMD- & Change to Annuity WD

NMBob, my Mom has not started "regular payment streams," so this part of the contract should apply: "If the owner of an annuity dies before the annuity assets are converted into a regular payment stream, the owner’s beneficiary is entitled to those assets. If the annuitant dies before conversion, th...
by djmbob
Sun Mar 29, 2020 4:48 pm
Forum: Personal Investments
Topic: Stopping 92 yo Mom's RMD- & Change to Annuity WD
Replies: 7
Views: 537

Re: Stopping 92 yo Mom's RMD- & Change to Annuity WD

Thanks, All! The reason I want to stop the RMD is because her TIRA is mostly stock funds... only about a year of relief with Int Treasury in there. This would give a little extra cushion of time for stock mf's to come back a little (hopefully), or revert back to the TIRA and use the Int Treasury the...
by djmbob
Sun Mar 29, 2020 2:33 pm
Forum: Personal Investments
Topic: Stopping 92 yo Mom's RMD- & Change to Annuity WD
Replies: 7
Views: 537

Stopping 92 yo Mom's RMD- & Change to Annuity WD

(I asked this in another post but it was buried, so creating it's own topic) I take care of my 92 yo Mom's finances. At present her TIRA is down to ~$90K, most of it in Vanguard stock funds. I moved a year's worth of RMDs from stock into the Intermediate Treasury fund last September just to create a...
by djmbob
Sun Mar 29, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Corona Virus Stimulus Package Waives RMD
Replies: 17
Views: 1890

Re: Corona Virus Stimulus Package Waives RMD

Re-posted as new topic.
Cheers!
Ray
by djmbob
Wed Aug 07, 2019 2:20 pm
Forum: Personal Investments
Topic: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"
Replies: 45
Views: 11439

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

Thanks Blue's and Doc!... agree, I would mostly move R/TIRA funds. Want to keep out of cap gains because I am hoping to do large (for me at least) conversion to Roth to try to reduce the tax bite when we start drawing SS and IRAs on top of military pension. We have a Vanguard Charitable account whic...
by djmbob
Wed Aug 07, 2019 8:32 am
Forum: Personal Investments
Topic: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"
Replies: 45
Views: 11439

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

This thread has really caught my attention. Currently 50/50 overall - 60/40 US/Int stock and 84/16 US/Int bond... with 73% of bonds in TSP G. ~$870K portfolio. I have a military pension and disability that bring in $5,761/mo COLA'd (after taxes and SBP) and with Spouse's work an extra $2,450 /mo (af...
by djmbob
Fri Aug 02, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1731

Re: USAA suspects credit card may have been compromised

Best defense is to freeze your credit and look at your statements as soon as they come in.
Freezing credit is easy these days (as is lifting freeze when needed).

Also, I use Quicken and download updates every morning so it is easy to see if anything unusual pops up.

Cheers,
Ray
by djmbob
Mon Jun 10, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Small Lifetime Learning Credit Worth It?
Replies: 2
Views: 352

Re: Small Lifetime Learning Credit Worth It?

Thank you mcraepat9, yes, I guess that is another way to ask my question.
Cheers
Ray
by djmbob
Mon Jun 10, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Small Lifetime Learning Credit Worth It?
Replies: 2
Views: 352

Small Lifetime Learning Credit Worth It?

We have a small upcoming tuition payment of $1500 due for a qualified course my spouse is taking next week. We have two options we can take: a) Claim the 20% Lifetime Learning Credit and have an income tax credit of $300, or b) Pay the tuition from spouse's 529 plan. Other factors: taking another co...
by djmbob
Thu May 30, 2019 2:08 pm
Forum: Personal Investments
Topic: Retired Thinking Thru Conversion Strategy
Replies: 10
Views: 1457

Re: Retired Thinking Thru Conversion Strategy

Wow! Thank you, dratkinson!! I will definitely look at the Excel1040. That route may be a bit easier for me than the Retiree Portfolio Model. I will respond back on how that goes. Towards the end of my conversion process, I might leave a couple years' worth of RMDs in Traditional to use for Qualifie...
by djmbob
Wed May 29, 2019 3:03 pm
Forum: Personal Investments
Topic: Retired Thinking Thru Conversion Strategy
Replies: 10
Views: 1457

Re: Retired Thinking Thru Conversion Strategy

Thank you, retiredjg! I went back and edited my post to spell out Retiree Portfolio Model (RPM). I agree ideal time is when my Spouse retires but I really have no clue and he can work well into his 70's (clergy). Will watch that IRMAA limit. I will also check on what the TSP conversion rules will be...
by djmbob
Wed May 29, 2019 2:24 pm
Forum: Personal Investments
Topic: Retired Thinking Thru Conversion Strategy
Replies: 10
Views: 1457

Retired Thinking Thru Conversion Strategy

I should have started this eight years ago after I retired, but here I am now. Age: 61, retired Air Force + Spouse: 56, works part time/in school part time My TSP (G Fund) $315K; Spouse TIRA $133K and 403b $16K (+100/mo) My AF pension keeps us pretty far up the 12% bracket and will continue to incre...
by djmbob
Mon Feb 04, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Efile Error for Retired Military in Oklahoma
Replies: 6
Views: 369

Re: H&R Block Efile Error for Retired Military in Oklahoma

Actually 123. After doing my state return, I noticed it was way too good to be true so went digging for an answer.
Cheers,
Ray :sharebeer
by djmbob
Mon Feb 04, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Efile Error for Retired Military in Oklahoma
Replies: 6
Views: 369

Re: H&R Block Efile Error for Retired Military in Oklahoma

I'll take your bet, Livesoft!
My other thought was just to go with the flow and have Block pay the penalties and interest when it is found by OK... but I'm too type-A for that.
Cheers!
Ray
by djmbob
Mon Feb 04, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Efile Error for Retired Military in Oklahoma
Replies: 6
Views: 369

H&R Block Efile Error for Retired Military in Oklahoma

H&R Block Deluxe has a flaw in correctly calculating Oklahoma State Income Tax returns for Retired Military. OK allows 75%, up to $10K of your military retirement, to be state income tax free. However, the program calculates the 75% on the retirement pay you enter, but does not apply the $10K thresh...
by djmbob
Sun Jan 13, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Fantastic Resort Recommendations???
Replies: 38
Views: 4656

Re: Fantastic Resort Recommendations???

Grand Luxxe at the Vidanta Resorts in either Nuevo Vallarta or Riviera Maya MX!
https://www.vidanta.com/

Enjoy!
Ray
by djmbob
Mon Jan 07, 2019 8:55 am
Forum: Personal Investments
Topic: Contribute to 403b while Converting TIRA to Roth?
Replies: 3
Views: 256

Re: Contribute to 403b while Converting TIRA to Roth?

Thank you, lakpr and fivek. The 403b is with Vanguard, so I will check to see if TIRA can be rolled there... TIRA and Roth also at Vanguard (only thing outside V is TSP account). I don't know if I can set up another 403b as a Roth, so will check... I seem to remember when it was set up several years...
by djmbob
Sun Jan 06, 2019 10:25 pm
Forum: Personal Investments
Topic: Contribute to 403b while Converting TIRA to Roth?
Replies: 3
Views: 256

Contribute to 403b while Converting TIRA to Roth?

Does it make sense to contribute to a 403b while also converting funds from TIRA to Roth? Main goal is to convert to move taxable IRA assets into Roth over the next several years to lower future MRDs/taxes. Could stop 403b contributions. Adding to taxable retirement account while trying to lower tax...
by djmbob
Sat Dec 22, 2018 10:15 am
Forum: Personal Investments
Topic: Roth Conversion in a down market?
Replies: 9
Views: 1345

Re: Roth Conversion in a down market?

My Roth conversions simply bring my AGI up to about what it will be in 2020 when I start maximal SS and RMDs Never considered this before, but an interesting idea. I just did my first ever $8K conversion Friday to bring me within $1K of the top of 12%. But with ongoing military COLAs, and SS and RM...
by djmbob
Sun Nov 04, 2018 5:52 pm
Forum: Personal Investments
Topic: Help With Deciding to Start TSP Withdrawals/IRA Conversions
Replies: 7
Views: 764

Re: Help With Deciding to Start TSP Withdrawals/IRA Conversions

Thanks Watty, Fishing, and heyyou. Lots of moving parts to think about in the next 30 days to effect any changes for this tax year! It would be easy for us to stop the 403b. While it leaves more for Roth conversions, we are also putting more into another qualified plan that will require taxes on 100...
by djmbob
Sat Nov 03, 2018 2:07 pm
Forum: Personal Investments
Topic: Help With Deciding to Start TSP Withdrawals/IRA Conversions
Replies: 7
Views: 764

Re: Help With Deciding to Start TSP Withdrawals/IRA Conversions

Thanks for your replies. A spreadsheet is a great idea! On the Annuity, I knew it wouldn't get stepped-up, but assumed I would owe tax on all withdrawals, so only the gains is better news. Many years ago, I moved my TIRA into the TSP to be able to have more in the G Fund (TSP is all G), and on hinds...
by djmbob
Sat Nov 03, 2018 10:24 am
Forum: Personal Investments
Topic: Help With Deciding to Start TSP Withdrawals/IRA Conversions
Replies: 7
Views: 764

Help With Deciding to Start TSP Withdrawals/IRA Conversions

Am trying to decide if I should start taking withdrawals from my TSP this year or converting Spouse's Trad IRA. Key concern is my upcoming anticipated inheritance mandatory taxable withdrawals. Background: My Age 60; retired military; married (Spouse 55); Spouse works, minimal income; Oklahoma proje...
by djmbob
Wed Jan 31, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 6978

Re: Your favorite beach vacation destination?

Riviera Maya, Mexico... between Cancún and Playa del Carmen.
Great beaches, beautiful, wonderful historical sites, cenotes(!), Cirque du Soleil dinner theater now, and Cirque theme park opening later this year!
We are here as I write this.
¡Excellente!
Cheers,
Ray
by djmbob
Thu Jan 18, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Lifetime learning tax credit..whats the catch?
Replies: 14
Views: 1536

Re: Lifetime learning tax credit..whats the catch?

Thanks, DIFAR31... that's GREAT news! Aww, too bad I used my 529 plan to pay this semesters tuition. :oops:
Cheers,
Ray
by djmbob
Thu Jan 18, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Lifetime learning tax credit..whats the catch?
Replies: 14
Views: 1536

Re: Lifetime learning tax credit..whats the catch?

Ummm, doesn't the Lifetime Learning Credit go away with 2017...and get rolled into the American Opportunity Credit, but with much more stringent parameters, like not applicable for Grad school?
Ray
by djmbob
Sat Dec 09, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Echo Dot 2nd Gen: What do I do with this gift?
Replies: 12
Views: 1706

Re: Echo Dot 2nd Gen: What do I do with this gift?

I bought this as a present for my mom's 90th birthday this month. She LOVES it! Raves every time I call (which is a lot), tells her friends and everyone. Keeps her a lot of company in her retirement home. She asks it to play music, weather, games, audiobook reading, news... I even sent her a list of...
by djmbob
Thu Nov 30, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 15136

Re: After financial independence, do you lose motivation for work?

I retired from "work" = military over 34 years.
But now I work a combined full time job (plus) for 5 non-profit organizations. No pay, couldn't be more satisfied!
Cheers, Ray
by djmbob
Fri Nov 17, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 22
Views: 5266

Re: TSP Modernization Act Signed Into Law

Yeah! Finally some common sense is applied!
Celebrating!
Next we we need to be able to make conversions from Traditional TSP to Roth TSP.
Cheers,
:sharebeer Ray
by djmbob
Thu Nov 16, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Windows 10/Edge Conflicts
Replies: 12
Views: 1382

Re: Windows 10/Edge Conflicts

I mainly use Edge, and I have add-on applications I run like LastPass and Ghostery.
BUT, I do have problems with some websites not being able to run using Edge, so use Chrome as my alternate when those situations arise.
Cheers, Ray
by djmbob
Thu Nov 16, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2018 for Mac [and PC Released]
Replies: 47
Views: 10350

Black Friday Staples Re: Quicken 2018 for Mac [and PC Released]

Here is the Staples Black Friday info: This year Staples has three different versions of Quicken software featured in their Black Friday ad: Quicken Deluxe 2018 on sale for $47.99 (normally $79.99), Quicken Premier 2018 on sale for $71.99 (normally $119.99), and Quicken Home, Business & Rental Prope...
by djmbob
Sun Nov 12, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 17101

Re: H&R Block Software

Thanks a million, DarkNyte!
Cheers,
Ray :sharebeer
by djmbob
Mon Oct 09, 2017 1:06 pm
Forum: Forum Issues and Administration
Topic: Getting Malwarebytes warnings on this site
Replies: 18
Views: 4356

Re: Getting Malwarebytes warnings on this site

In support of JBTX, during this current browsing session, Malwarebytes popped up twice with a message "Malicious website blocked"... but I was still able to keep browsing posts.
Cheers
Ray
by djmbob
Wed Oct 04, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: accounting software for churches?
Replies: 24
Views: 2784

Re: accounting software for churches?

Have used Powerchurch for 8 years and when I demonstrated to three other churches in our Communion (and the national office), they were so impressed they switched from quickbooks to Powerchurch. Its made for churches, not business. Tracks members and visitors, links to contributions and giving, link...
by djmbob
Sun Sep 17, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 61951

Re: USAA 2.5% Cash Back Credit Card

:annoyed
Not showing up in my credit card products either, in Oklahoma.
Interestingly, my Mom in Maryland received an invitation for the card earlier this past week.(??)
Oh, well, back to holding my breath again!
<Sigh>
Ray
(37 year USAA member)
by djmbob
Thu Sep 14, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 4947

Re: US removing Kaspersky Antivirus from government computers

Last spring I searched for an American Company and found Malwarebytes and switched from AVG... it's based in CA.
Cheers,
Ray
by djmbob
Fri Sep 08, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 61951

Re: USAA 2.5% Cash Back Credit Card

Savings$,
My USAA credit cards both show up on all my credit reports, plus my old closed USAA cc's from years past.
Cheers,
Ray
by djmbob
Thu Sep 07, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 61951

Re: USAA 2.5% Cash Back Credit Card

Wow! Thanks so much Victoria!!
I have been holding my breath and am pretty black and purple now! :D
Cheers,
Ray
by djmbob
Thu Sep 07, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Good Article on Retirement Investing and Withdrawals
Replies: 7
Views: 1804

Good Article on Retirement Investing and Withdrawals

Saw a good article on retirement investing and withdrawals on CNN.com this morning.
Offering it to others for it's perspective.

"A Simple but Effective Retirement Income Plan"
http://money.cnn.com/2017/09/06/retirem ... -stack-dom

Cheers,
Ray
by djmbob
Tue Sep 05, 2017 10:02 pm
Forum: US Chapters
Topic: [Virtual online chapter - Master thread]
Replies: 127
Views: 34714

Re: [Virtual online chapter - Master thread]

To record a zoom session, the host clicks on the Record button at the bottom toolbar. All participants can see in the top left of their screen that the session is being recorded. Some participants can also call into the session, their face does not appear on the screen, only their number, but others...