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PessOptimist's Account Talk
- Thread starter PessOptimist
- Start date
PessOptimist
Well-known member
kona: No granite in the home.
Birtch: Have not, will not get to Durham/Dover, too much else going on. It is beautiful this time of year.
I had meant to update the trip tonight but as usual drama appeared.
Following the itinerary am in South Yarmouth MA tonight. Saw Plymouth rock for the second time. It appears to need some more concrete work.
PO
Birtch: Have not, will not get to Durham/Dover, too much else going on. It is beautiful this time of year.
I had meant to update the trip tonight but as usual drama appeared.
Following the itinerary am in South Yarmouth MA tonight. Saw Plymouth rock for the second time. It appears to need some more concrete work.
PO
PessOptimist
Well-known member
Sigh, vacation over. Flying back to pahonicks tomorrow to 108F.
Learned about a use for vaping devices I had not thought of while visiting old friends. The I see it posted here by someone from this area. Hmmm.
Anyway, over budget and about a week later than planned. I should be a .gov contractor.
FWIW kona, EVERYONE I visited up here does have granite counter tops.
PO
Learned about a use for vaping devices I had not thought of while visiting old friends. The I see it posted here by someone from this area. Hmmm.
Anyway, over budget and about a week later than planned. I should be a .gov contractor.
FWIW kona, EVERYONE I visited up here does have granite counter tops.
PO
PessOptimist
Well-known member
Yeah I'm back. Maybe more later about the trip. Another poster's post reminded me of something I keep neglecting. I have two old IRAs that I keep forgetting about.
One is a CD that I always miss the maturity date on. This year I was reminded. It matures on 9/9/14. Of course I remember this on a Friday night. My credit union has a branch open tomorrow. Maybe I can get this done. The CD has been paying .25% for years. I am going to put it in a 6 mo CD that pays .4%. Just to get it moved. Maybe not, I'll see what tomorrow brings. Get it out of the TD North CD and reasonably available while I decide what to do.
There is the other one. Chase Bank. Not sure what it was when I started it years ago but it has become Chase. About the same balance. It pays .0009%. I need to put that somewhere else too. CU IRA savings pays .2%. Dismal, yes but at least it will be where I can figure out what to with it.
Several years ago I was all fired up to open a USAA or similar investment account with this money. Then I didn't. Getting it close to home and available is the first step.
Advice solicited. They are both traditional IRAs. The amounts? I know you want to know. Almost enough to buy a cheap coal powered all electric vehicle. Almost. Enough to buy a hybrid. A really cheap hybrid. Enough to buy a fairly nice gasoline or diesel powered vehicle.
PO
One is a CD that I always miss the maturity date on. This year I was reminded. It matures on 9/9/14. Of course I remember this on a Friday night. My credit union has a branch open tomorrow. Maybe I can get this done. The CD has been paying .25% for years. I am going to put it in a 6 mo CD that pays .4%. Just to get it moved. Maybe not, I'll see what tomorrow brings. Get it out of the TD North CD and reasonably available while I decide what to do.
There is the other one. Chase Bank. Not sure what it was when I started it years ago but it has become Chase. About the same balance. It pays .0009%. I need to put that somewhere else too. CU IRA savings pays .2%. Dismal, yes but at least it will be where I can figure out what to with it.
Several years ago I was all fired up to open a USAA or similar investment account with this money. Then I didn't. Getting it close to home and available is the first step.
Advice solicited. They are both traditional IRAs. The amounts? I know you want to know. Almost enough to buy a cheap coal powered all electric vehicle. Almost. Enough to buy a hybrid. A really cheap hybrid. Enough to buy a fairly nice gasoline or diesel powered vehicle.
PO
konakathy
Well-known member
Aloha and welcome home (tsptalk,your cyber home) 
I hope you dug deep and managed to enjoy yourself a little bit on your vacation. Did the 'sig' let you off the leash from time to time? :laugh: (Jk) How did your packing arrangements work out? Did the 'sig' pack enough shirts, socks, big-boy undies, etc etc....
to last the trip? I know it was a big concern of yours !
seriously, I hope you did enjoy your trip. Can't wait for the camp talk.
I hope you dug deep and managed to enjoy yourself a little bit on your vacation. Did the 'sig' let you off the leash from time to time? :laugh: (Jk) How did your packing arrangements work out? Did the 'sig' pack enough shirts, socks, big-boy undies, etc etc....
to last the trip? I know it was a big concern of yours !
seriously, I hope you did enjoy your trip. Can't wait for the camp talk.
Last edited:
uscfanhawaii
Active member
I purchased $10K of Tesla stock in my traditional IRA last April for $205. It is now $276. 35% increase over 4 months (that's a 100% annual rate!). Go, Gigafactory, Go!!! Not that TESLA will necessarily continue to go up, but there has to be LOTS of options that return better than 0.009%!
PessOptimist
Well-known member
Aloha and welcome home (tsptalk,your cyber home)
I hope you dug deep and managed to enjoy yourself a little bit on your vacation. Did the 'sig' let you off the leash from time to time? :laugh: (Jk) How did your packing arrangements work out? Did the 'sig' pack enough shirts, socks, big-boy undies, etc etc....
to last the trip? I know it was a big concern of yours !
seriously, I hope you did enjoy your trip. Can't wait for the camp talk.
All in all I did enjoy it. Never off leash for more than a couple of hours but wth do I need to do in the state I left 42 years ago anyway except look around at old things or old eople who never liked me anyway. Laundry was done quite often on the trip. On the cruise it came with the cabin so was done every day. Therefore I had clean stuff to put on every day except a couple. As expected, most of the clothing in the luggage was never worn.
No camp talk yet, still coping with having taken off a month from life and work.
PO
PessOptimist
Well-known member
Received this link today with a message from a coworker about do we need legislation for this.
Congressman Seeks to Ban Feds from Watching Porn While at Work : FedSmith.com Blogs
Apparently some agency's are making it necessary. Maybe someone should shake up the EPAs cyber security group? Looking at their org chart, they don't have one. Don't even appear to have an IT group. Maybe they call it something else? Maybe they are exempt from all the rules other agencies fall under?
I can't speak for other agencies but we get threatening e-mails and briefings all the time about what we can and cannot attempt to access on the internet on .gov computers. There should be absolutely no need for this bill if other long standing rules are being followed
Of course this is the EPA. No one appears to be watching them at all.
I guess some feds are more equal than others.
PO
Congressman Seeks to Ban Feds from Watching Porn While at Work : FedSmith.com Blogs
Apparently some agency's are making it necessary. Maybe someone should shake up the EPAs cyber security group? Looking at their org chart, they don't have one. Don't even appear to have an IT group. Maybe they call it something else? Maybe they are exempt from all the rules other agencies fall under?
I can't speak for other agencies but we get threatening e-mails and briefings all the time about what we can and cannot attempt to access on the internet on .gov computers. There should be absolutely no need for this bill if other long standing rules are being followed
Of course this is the EPA. No one appears to be watching them at all.
I guess some feds are more equal than others.
PO
konakathy
Well-known member
These porno junkies must be wearing the same brand of panties as burrocrat.
PessOptimist
Well-known member
Updates on stuff I posted about.
I actually took the time at work today to call TD and and actually got a human. He confirmed that they had gotten the transfer form but it might take up to 30 days to process. I just said merci and au revoir. He chuckled and asked it it was that obvious. I told him yes but his English was very good.
Initially all transfers go to an IRA savings account paying .2%. It is immediately available. 30 days to do a transaction do apply if moving to another financial organization.
Turns out the only way I can transfer this IRA is to go to a Chase branch. There is one close by but the only people who can transfer an IRA work 9-5 M-F. Guess I just have to tell the boss I can't work Friday. That transaction will likely take 30 days or more too,
I could still do that but I doubt I would move it around and it would become much like my C fund TSP money. I could roll it all in to the TSP but I all ready have too many eggs in the .gov basket.
PO
I actually took the time at work today to call TD and and actually got a human. He confirmed that they had gotten the transfer form but it might take up to 30 days to process. I just said merci and au revoir. He chuckled and asked it it was that obvious. I told him yes but his English was very good.
Initially all transfers go to an IRA savings account paying .2%. It is immediately available. 30 days to do a transaction do apply if moving to another financial organization.
Turns out the only way I can transfer this IRA is to go to a Chase branch. There is one close by but the only people who can transfer an IRA work 9-5 M-F. Guess I just have to tell the boss I can't work Friday. That transaction will likely take 30 days or more too,
I could still do that but I doubt I would move it around and it would become much like my C fund TSP money. I could roll it all in to the TSP but I all ready have too many eggs in the .gov basket.
PO
burrocrat
Well-known member
them ain't panties i'm wearing honey, if you get up real close you can tell the difference, they don't have no gusset.
konakathy
Well-known member
Ewwww..... hell no! not even with a magnifying glass.
burrocrat
Well-known member
uhhh, waitress! ma'am, could we get some more duct tape over here please?
PessOptimist
Well-known member
Burro, somewhere you posted
Originally Posted by burrocrat 
and i ain't changing my shorts ever anymore except to put on a clean pair each morning. i really like having to go pee now, pull it out, tuck it in, pull it out, tuck it in. mmm, thank you adidas.
I am glad to hear you will change them each morning. We do't want anything like this embarrassing anyone.
and i ain't changing my shorts ever anymore except to put on a clean pair each morning. i really like having to go pee now, pull it out, tuck it in, pull it out, tuck it in. mmm, thank you adidas.
I am glad to hear you will change them each morning. We do't want anything like this embarrassing anyone.
PessOptimist
Well-known member
Wouldn't it have been great to go to G COB on the 18th and back to status quo COB on the 25th? Of course like many I would still be in G wondering when to put some back to stocks. Maybe some day I will find that magic solution for a quick % of profit preservation. Assuming the market goes back up. Which I am in the long term.
News from around the country is astounding and somewhat depressing. Not convinced that some things called criminal acts are not terrorism of some kind no matter what motivated the person allegedly performing the act. Is getting transferred to Hawaii really that bad?
On to more uplifting if mundane personal victories. I went to Chase Bank today to transfer an old IRA to my Credit Union. The person who looked up the account acted astounded that I was never contacted about other investment opportunities. Then she said they would not be able to transfer (roll over) the account to my credit union. So she cut me a cashier’s check and listed it as a distribution over 59 1/2. Whatever. I was pretty sure and since verified that if I put it in to another IRA within 60 days there is no penalty. I have since re-verified that. While the person at Chase was out "cutting" the check they sent a minion from investments in to try to get me to use one of their financial instruments. I declined. I drove to the Credit Union and deposited it in my IRA account. I am sure this will generate a form 1099 for the IRS but it's OK. CU said up to 10 business days for cashier’s check to clear. Whatever. I am so sick of banks. Supposedly the money will soon be immediately available to transfer elsewhere. It is earning a crappy 0.2% but better than the 0.0009% Chase was giving me for the last 12 years. My bad I admit.
I searched out this thread
http://www.tsptalk.com/mb/investment-portfolios/10967-how-get-started-outside-tsp.html and read other threads in the Investment Portfolios forum.
Lots of good info, some old. Suggestions included Scott Trade, Vanguard, USAA, Morningstar (an ETF?), Option House, T Rowe Price. One suggestion I liked was starting out with ETFs that are familiar like SPY, AGG, EFA. I also like the idea of dividend paying stocks and reinvesting the dividends in shares. But baby steps first.
One question is if I get an oh sh*t moment and want to move it to safety, what would be my options?
I visited ETF Talk for the first time and though not real active it seems familiar.
I guess what I am looking to open somewhere is a self-directed brokerage account?
PO
News from around the country is astounding and somewhat depressing. Not convinced that some things called criminal acts are not terrorism of some kind no matter what motivated the person allegedly performing the act. Is getting transferred to Hawaii really that bad?
On to more uplifting if mundane personal victories. I went to Chase Bank today to transfer an old IRA to my Credit Union. The person who looked up the account acted astounded that I was never contacted about other investment opportunities. Then she said they would not be able to transfer (roll over) the account to my credit union. So she cut me a cashier’s check and listed it as a distribution over 59 1/2. Whatever. I was pretty sure and since verified that if I put it in to another IRA within 60 days there is no penalty. I have since re-verified that. While the person at Chase was out "cutting" the check they sent a minion from investments in to try to get me to use one of their financial instruments. I declined. I drove to the Credit Union and deposited it in my IRA account. I am sure this will generate a form 1099 for the IRS but it's OK. CU said up to 10 business days for cashier’s check to clear. Whatever. I am so sick of banks. Supposedly the money will soon be immediately available to transfer elsewhere. It is earning a crappy 0.2% but better than the 0.0009% Chase was giving me for the last 12 years. My bad I admit.
I searched out this thread
http://www.tsptalk.com/mb/investment-portfolios/10967-how-get-started-outside-tsp.html and read other threads in the Investment Portfolios forum.
Lots of good info, some old. Suggestions included Scott Trade, Vanguard, USAA, Morningstar (an ETF?), Option House, T Rowe Price. One suggestion I liked was starting out with ETFs that are familiar like SPY, AGG, EFA. I also like the idea of dividend paying stocks and reinvesting the dividends in shares. But baby steps first.
One question is if I get an oh sh*t moment and want to move it to safety, what would be my options?
I visited ETF Talk for the first time and though not real active it seems familiar.
I guess what I am looking to open somewhere is a self-directed brokerage account?
PO
burrocrat
Well-known member
that's why i always buy black shorts. and i don't look for jobs where i have to stretch and bend like that. you can't aways avoid tragedy, but you can minimize the damage. i think the proper term for that wardrobe malfunction is "sharted".
Burro, somewhere you posted
Originally Posted by burrocrat
and i ain't changing my shorts ever anymore except to put on a clean pair each morning. i really like having to go pee now, pull it out, tuck it in, pull it out, tuck it in. mmm, thank you adidas.
I am glad to hear you will change them each morning. We do't want anything like this embarrassing anyone.
View attachment 30382
PessOptimist
Well-known member
Holy bat, cow man! This isn't good. But it has happened before and we have survived.
Myself and others have mentioned that newer investors or those who only recently started paying attention were feeling u-4-e-ah about 2013. My only comment is "welcome to the world of investing".
Remember the old saying "it's not a loss until you sell it".
I got a call from a coworker today asking if I had seen what the market was doing. I had not as I have other things to do at work. So I looked. He asked what I thought he should do. He also pays someone to advise him. I asked what percent he had where. He replied 70% C fund. I replied "it's too late to save it, hold and it will eventually go back up. He said that is what his paid advisor said last week. I joked with him about what the hell is a couple of 10s of k$. We both are retiring within a few years (maybe). We both have been contributing for many years so our TSP has a lot of money in them. For blue collar workers that is.
Bottom line is if you didn't go to G or F within the last few weeks, don't move now. If the SP500 or W4500 or EFIA never go back up, we are all f**ked and will have bigger problems soon.
Be of good cheer. There is very little doubt the universe is unfolding as it should and the market is unfolding as those who control it want.
PO
Myself and others have mentioned that newer investors or those who only recently started paying attention were feeling u-4-e-ah about 2013. My only comment is "welcome to the world of investing".
Remember the old saying "it's not a loss until you sell it".
I got a call from a coworker today asking if I had seen what the market was doing. I had not as I have other things to do at work. So I looked. He asked what I thought he should do. He also pays someone to advise him. I asked what percent he had where. He replied 70% C fund. I replied "it's too late to save it, hold and it will eventually go back up. He said that is what his paid advisor said last week. I joked with him about what the hell is a couple of 10s of k$. We both are retiring within a few years (maybe). We both have been contributing for many years so our TSP has a lot of money in them. For blue collar workers that is.
Bottom line is if you didn't go to G or F within the last few weeks, don't move now. If the SP500 or W4500 or EFIA never go back up, we are all f**ked and will have bigger problems soon.
Be of good cheer. There is very little doubt the universe is unfolding as it should and the market is unfolding as those who control it want.
PO
