Search found 218 matches

by Groundhog
Tue Jan 26, 2021 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Taxes H&RBlock and Schedule B for 1099-DIV over $1500
Replies: 12
Views: 840

Re: 2020 Taxes H&RBlock and Schedule B for 1099-DIV over $1500

FreeUSATax is an option that is free for anyone of any income level; you only pay for the "Deluxe" version and state e-file. The free version includes every form even complicated returns may need, and I've found the software to be as good, if not better, than TurboTax/H&R Block/etc. I...
by Groundhog
Fri Oct 30, 2020 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Using PayPal vs credit card for purchase
Replies: 12
Views: 1075

Re: Using PayPal vs credit card for purchase

Thanks all. Since it’s a larger purchase I will stick with using a credit card. If it was a less expensive item I would have gone the PP route.
by Groundhog
Fri Oct 30, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Using PayPal vs credit card for purchase
Replies: 12
Views: 1075

Using PayPal vs credit card for purchase

Looking to make a purchase at Best Buy. I see they accept PayPal for payment. My Chase Freedom card gives 5% reward for PayPay this quarter and is linked to my PP account. Do I lose any card benefits (Purchase Protection or Extended Warranty) by using PayPal vs just paying direct with a credit card?...
by Groundhog
Fri Jul 03, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Shop Small Online Shops
Replies: 37
Views: 3338

Re: Amex Shop Small Online Shops

I think every liquor store around me is on the list. Too bad I don’t drink!
by Groundhog
Fri May 29, 2020 2:07 pm
Forum: Personal Investments
Topic: Favorite initial investor Vanguard mutual index fund; VTSAX
Replies: 34
Views: 2811

Re: Favorite initial investor Vanguard mutual index fund; VTSAX

I am a proud inaugural owner of Vanguard Total Stock Market fund. It’s my favorite and biggest equity holding. I still have the statement showing my purchase of $3000 on 4/20/1992. Back then there was a .25% transaction fee on my additional purchases. That appears to have gone away in 1996.
by Groundhog
Fri Apr 10, 2020 7:33 pm
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 4035

Re: TSP: G and F fund

2) In general, is it better to have the VBTLX in the Roth or in the taxable part of account as it is now? In response to #2. For tax purposes VBTLX is better in your Roth, not in taxable. I have TSP and use the G,C,S,I funds. When it comes time to rebalance I can do it all in my TSP account. Works ...
by Groundhog
Sat Mar 28, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: Book suggestions for a 16 year old
Replies: 47
Views: 2347

Re: Book suggestions for a 16 year old

A 16 year old Boglehead... Awesome!
by Groundhog
Sat Feb 16, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA declining my credit card - resolved
Replies: 3
Views: 705

Re: FreeTaxUSA declining my credit card - resolved

There was not an issue with my credit card. After submitting a ticket to FreeTaxUSA they did something (didn’t say what) and asked me to try it again. The purchase of the state efile went through fine and I efiled my returns today. Received emails back a bit later saying both were accepted.
by Groundhog
Mon Feb 11, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA declining my credit card - resolved
Replies: 3
Views: 705

FreeTaxUSA declining my credit card - resolved

Based on reviews here and my relatively basic tax return I decided to use FreeTaxUSA this year for the first time. I finished my return and am ready to efile. I need to pay for the state return which is $12.95 and have attempted to use my credit card and it was declined. The message from FreeTaxUSA ...
by Groundhog
Sat Nov 24, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 17266

Re: Black Friday 2018

I didn’t read the entire thread but eBates has some good extra savings this weekend. Amazon up to 10% cash back in various categories. Also we bought a vacuum from Dyson.com with 10% cash back from eBates.
by Groundhog
Sat Nov 24, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: $100 in rebates from Amazon over Black Friday
Replies: 10
Views: 2533

Re: $100 in rebates from Amazon over Black Friday

eBates currently has up to 10% cash back for various categories at Amazon. Amazon devices are 8% cash back. Unfortunately I didn’t know this until after I bought my Echo Show on Thanksgiving.
by Groundhog
Fri Aug 31, 2018 4:43 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 388
Views: 81783

Re: Roll Call for the Retirement Class of 2018!

I am officially retired! I worked half a day today and celebrated by going out for lunch with my wife at our favorite restaurant. The goodbyes with my coworkers was the toughest part. After we got home I was about to cut the grass (part of my Friday routine) and it started pouring down rain. Oh well...
by Groundhog
Tue May 01, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 18585

Re: Savings Bond Wizard replacement is available

Thanks, I'll have to check it out myself.
by Groundhog
Wed Jan 03, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 12516

Re: Effects of extreme cold weather

Our deck boards make a popping or cracking sound when it get down in the mid teens or lower. Normally happens after it's dark and can be rather loud.
by Groundhog
Tue Oct 31, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 38005

Re: Iphone X is $1000

I originally got Speck Presidio clear cases. But after reading around some more, I also placed an order for Caudabe Lucid Clear cases (crystal for me, rose gold for the wife). I'll keep whichever we like better. If you're interested, Caudabe is offering 25% off with the code MacMike2017, or 20% off...
by Groundhog
Thu Oct 26, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 2454

Re: Ordering iPhoneX

Another protip: you may want to order a Tmobile phone even if you are an ATT customer. This is because the Tmobile phone is compatible with ATT, but apple does not verify a Tmobile account like it does with other providers. This means there's one less step to go through. I have Cricket and it does ...
by Groundhog
Mon Aug 14, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 23693

Re: How far would you travel to see The Eclipse?

When I was much younger my spouse, kids and I drove from the mid-Atlantic to Nova Scotia. It was an awesome experience (nothing at all like a partial, or even an annular), and is safely tucked away in my memory to be taken out and enjoyed all over again when a reminder occurs, as it has now. Nice. ...
by Groundhog
Mon Jul 10, 2017 12:52 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 388
Views: 81783

Re: Roll Call for the Retirement Class of 2018!

Wow, I can’t believe I am writing this. 2008/2009 was a tough time for us with three major issues going on. We weathered all three and around 2014 I came up with a retirement date of 8/31/2018 which I am still on track for. I will be 56 at that time. Having a loved one with Alzheimer’s makes you rea...
by Groundhog
Wed Jul 05, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6375
Views: 1434014

Re: What Movie Have You Recently Watched?

Paterson Paterson is a good-hearted, low key bus driver in Paterson, New Jersey and has a very predictable, unswerving routine. He does have one passion: in snippets of free time he writes poetry. Paterson meets some intriguing characters during his prescribed days that add charm to this subtle and...
by Groundhog
Wed Jun 21, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 6416

Re: which IPAD?

I've had my iPad 2 (32gb wifi) since 2011 and have used it pretty much every day. Amazing it has lasted that long but needless to say it's ready to be replaced. I placed an order for the iPad Pro 10.5" 256gb wifi model from B&H Photo. It's not in stock yet but hopefully will be soon. No sal...
by Groundhog
Thu Jun 01, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 15732

Re: What Do You Pay for an Oil Change?

$0 - Free oil changes for life @ Subaru dealer.
by Groundhog
Wed May 03, 2017 7:44 am
Forum: Personal Investments
Topic: Help with asset allocation
Replies: 13
Views: 1549

Re: Help with asset allocation

To get more in Vanguard Total International you could hold one Roth IRA in Total International and the other in Total Stock Market. That would lessen the need of I Fund in the TSP and move more to C/S Fund. That's what we do. Also, holding TSP G, C, S, and I funds in your TSP works great for re-bala...
by Groundhog
Tue Feb 21, 2017 9:11 am
Forum: Personal Investments
Topic: TSP Advice
Replies: 14
Views: 1289

Re: TSP Advice

You need to look at your portfolio asset allocation across all accounts if you have more than just TSP (like IRA’s, taxable or other 401k type accounts). My wife and I both have TSP accounts. Mine is G 77%, C 12%, S 4%, I 7%. Hers is G 100%. Overall though we are 50/50. Looking to retire in 2018.
by Groundhog
Fri Jan 27, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 70
Views: 9004

Re: Verizon to Cricket or StraightTalk

As of today, Cricket's $40 plan ($35 with autopay) now includes 3gb high speed data before throttle.
by Groundhog
Fri Jan 27, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Life Expectancy Monthly Withdrawal formula
Replies: 5
Views: 1392

Re: TSP Life Expectancy Monthly Withdrawal formula

Per form TSP-70 Request for Full Withdrawal... If you choose to have the TSP compute your payments, we will use the IRS Single Life Table, Treas. Reg. 1.401(a)(9)-9, Q&A 1 (for participants who are under age 70 after June 30 of the calendar year when payments are calculated) or the Uniform Lifet...
by Groundhog
Fri Dec 09, 2016 2:25 pm
Forum: Personal Investments
Topic: Is US stocks going up too fast?
Replies: 21
Views: 3225

Re: Is US stocks going up too fast?

Whelp, I'm 31. I'd like to retire at about 60. For the next 29 or so years, I'm gna contribute as much as I can to retirement accounts, tick my AA towards the conservative side as the years go by, and hopefully at the right time I've got a decent sized portfolio. In the meantime I'll not worry abou...
by Groundhog
Fri Dec 09, 2016 2:14 pm
Forum: Personal Investments
Topic: 2017 Finance Changes for Me
Replies: 13
Views: 1779

Re: 2017 Finance Changes for Me

How would you setup at 90/10 AA between TSP and a Roth IRA...when you can only pop in $5,500/year? We put the max in our Roth IRAs each year. I use Total International and my spouse has Total Stock Market. I also max out TSP each year with all new monies going to what ever is under weighted (mostly...
by Groundhog
Fri Dec 09, 2016 1:45 pm
Forum: Personal Investments
Topic: 2017 Finance Changes for Me
Replies: 13
Views: 1779

Re: 2017 Finance Changes for Me

Another nice reason to use the TSP G (and or F), C, S, and I Funds is for rebalancing (personally I use G, C, S and I). We have (2) TSP accounts, (2) Roth IRA accounts plus Taxable but I only need to use my TSP account to rebalance our entire portfolio. A spreadsheet tells me what % I need in each o...
by Groundhog
Mon Nov 14, 2016 10:09 am
Forum: Investing - Theory, News & General
Topic: John Bogle Industry Icon Award & PBS Broadcast *Alert* - When I'm 65
Replies: 4
Views: 1553

Re: John Bogle Industry Icon Award & PBS Broadcast *Alert* - When I'm 65

Per the article, Mr Bogle is also still working on his books... Bogle, author of about a dozen books, said there are plans to update his 2007 The Little Book of Common Sense Investing. "A new version will be out in 2017 with some info on retirement investing and asset allocation, the 10-year an...
by Groundhog
Tue Sep 06, 2016 10:02 am
Forum: Personal Investments
Topic: The Role of the G Fund in Fed Employee Retirement Account
Replies: 14
Views: 2485

Re: The Role of the G Fund in Fed Employee Retirement Account

G Fund rate bumped up to 1.625% for September.
by Groundhog
Fri Aug 26, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4970
Views: 1314244

Re: What Book Are You Currently Reading? Part VI

Taking a brief break from Stephen King and now reading "The Mailman" by Bentley Little. The local mailman commits suicide and when the new mail carrier arrives all kinds of strange things start happening.
by Groundhog
Thu May 19, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawals
Replies: 14
Views: 1586

Re: Withdrawals

My “portfolio” consists of my taxable accounts and my tax advantaged accounts (IRAs/TSP). My checking account is not considered part of my portfolio. Anything that moves into my portfolio is a contribution. Anything moving out of my portfolio is a withdrawal. At the end of the year, if withdrawals a...
by Groundhog
Tue Jan 26, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Timing of updates to SSA.GOV
Replies: 9
Views: 2875

Re: Timing of updates to SSA.GOV

I checked mine on 3/28/2015 and it had my 2014 data.
by Groundhog
Tue Dec 08, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: exterior timer for Christmas lights
Replies: 10
Views: 1192

Re: exterior timer for Christmas lights

I use timers inside and out year round for various tasks. I use Intermatic timers with astronomical features which automatically adjust sunrise/sunset times along with DST.
by Groundhog
Thu Dec 03, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 3848

Re: Ford Edge or Nissan Murano or Something Else

Have you checked out Subaru Outback or Forester?
by Groundhog
Thu Nov 19, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom 10% cash back on Amazon, etc
Replies: 17
Views: 4798

Re: Chase Freedom 10% cash back on Amazon, etc

Thanks for the tip. I just received an email offer from AmEx for $15 back when you spend $60 or more @ Amazon.com.
by Groundhog
Mon Sep 28, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: How late to visit Yellowstone?
Replies: 22
Views: 3296

Re: How late to visit Yellowstone?

I went to Yellowstone/Grand Tetons for the first time last Fall. I believe I left around 9/25 and got back 10/6. Roadtrip from California. Beautiful. Definitely cold at night and early morning, with a few brief snow showers. It was a fantastic experience, but I was about 7-10 days too late for peak...
by Groundhog
Wed Aug 26, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4970
Views: 1314244

Re: What Book Are You Currently Reading? Part VI

Currently reading Stephen King's "'Salem's Lot". This is the 3rd Stephen King novel I've read. I started with "Under the Dome" then decided to go back to the beginning and read "Carrie" and plan to go forward from there.
by Groundhog
Tue Aug 11, 2015 7:12 am
Forum: Personal Consumer Issues
Topic: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?
Replies: 55
Views: 10162

Re: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?

Looking at Fuelly.com for a 2013 Subaru Forester (non-turbo) you are definitely on the low end of the scale. http://www.fuelly.com/car/subaru/forester/2013?engineconfig_id=17&bodystyleconfig_id=&submodel_id= My spouse has a 2008 Legacy 2.5i and gets in the low 20's with mostly city driving. ...
by Groundhog
Mon Aug 03, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 4639

Re: Crab Grass

I've had good luck killing crabgrass with Bayer Crabgrass Killer for Lawns http://www.bayeradvanced.com/find-a-product/lawn-care/crabgrass-killer-for-lawns . Don't confuse the above with Bayer All-In-One Lawn Weed & Crabgrass Killer . This one may help with the weeds but doesn't do much on the c...
by Groundhog
Thu Jul 23, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Magazine Subscriptions
Replies: 37
Views: 4253

Re: Magazine Subscriptions

Check with your library system to see if they have free magazine access through Zinio.

viewtopic.php?t=112420
by Groundhog
Wed Jul 15, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 27162

Re: Are you going to shop on Prime Day?

Tried to buy an item this morning when it went on sale @ 7:50am. At 7:52am is was already sold out. Oh well. http://Jet.com opens for business next week.
by Groundhog
Thu Jun 25, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 60477

Re: What ratio are you stocks/bonds and how old are you?

Our average age: 56 and currently 54/46.

Will be moving to 50/50 at retirement in 2018 and holding there.

50/50 seems a popular choice for retirement.
by Groundhog
Mon Jun 15, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 40458

Re: Gifting Money at Parties

letsgobobby wrote:Here's another factor. First weddings receive a lot more than second. Kind of like having a baby shower for your third baby. Taaaaacky.
My wife was just invited to a baby sprinkle for a couple's second baby.