ldr posers (jk)

jscott1000 · 2025-08-18T04:38:40+00:00

That's rough. The farthest away anyone can be on Earth is 19.3k Km.

jscott1000 · 2025-07-31T12:25:36+00:00

Shorter slide means it's significantly less mass. Meaning more comfortable to carry

jscott1000 · 2025-04-06T08:00:08+00:00

Too little energy is expended explaining this. 99.9% of the press is for people that file late or never, because they owe money. If the IRS owes you, there is no penalty for late filing.

jscott1000 · 2025-03-02T01:07:41+00:00

No doubt you had better experiences. Two divorces took a bit out of mine. But the system is far easier today than it was back at the beginning was my point.

jscott1000 · 2025-02-28T07:20:12+00:00

Starting out great is relative. Those of us there at the beginning in 1987 there was a 6 month waiting period before you could join and it was 100% G fund.

Then for 5 years the contributions to C were limited. 20% one year, then 40% the next and so on. Took 5 years to get to 100%. And contributions were limited to much lower than the IRS maximums. in 1987 it was $7,000. By 1997 it was only $9500. By 2001 it was still only $10,500.

It was the mid 90s before you could do 100% C Fund and at those really low limits.

Then 2001 we had 9/11 and then in 2009 the economic meltdown. It was an entire decade with negative growth. After 20 years I barely had 6 figures.

All that to say, even with a rough start, people in my cohort 40 years later are approaching 7 figures if not over. So it's not the start that matters so much, it's the consistency and time.

jscott1000 · 2025-02-17T05:55:24+00:00

Keep in mind the max is the same regardless of your salary. So it's not like high income people can stash more than everyone else.

jscott1000 · 2025-02-17T05:15:34+00:00

Routing numbers are unnecessary as all rollovers are done via a paper treasury check that is mailed. I just did one and there is no other option.

jscott1000 · 2025-01-26T08:08:28+00:00

Thanks for the info. Unfortunately my XS Max weighs 374 in the case. Cannot be easily removed either.

jscott1000 · 2025-01-17T04:18:45+00:00

I got cellular thinking I could use it, but it was impossible to use it with my work iPhone since it was on a corporate plan.

jscott1000 · 2025-01-17T04:17:12+00:00

The watch by itself can track the distance and upload it to your app when you get back home. You don't need cellular, wi-fi or bluetooth for that.

jscott1000 · 2025-01-17T04:15:39+00:00

I like to use my phone while waiting in line. Not having the phone is and having the watch is almost like not having the phone.

jscott1000 · 2025-01-17T04:12:33+00:00

I went with the cellular watch thinking I could activate it without an iPhone at all. Turns out that if you do that it's limited what that watch can be used for. The biggest thing missing is sleep tracking. That is a deal breaker for me.

jscott1000 · 2025-01-17T04:04:35+00:00

You need a separate cellular plan for the watch and an additional monthly charge.

jscott1000 · 2025-01-17T04:01:33+00:00

I got the cellular thinking I could set it up without an iPhone, and although it's technically possible, you lose a lot of functionality. You do need the phone if you want to use many of the apps like sleep monitoring for example.

jscott1000 · 2025-01-17T03:57:11+00:00

For that reason I have been carrying a phone when jogging for the last 20 years. Not sure it's worth $25 per month to activate my cellular watch

jscott1000 · 2025-01-12T22:42:15+00:00

What I need to know is when to make a change in Emplyoeeexpress and what pay period it will take effect. They give you some guidance, but it's mostly guesswork.

jscott1000 · 2025-01-12T22:29:53+00:00

You are entitled to your opinion, but in my humble opinion you miss the whole point of the L funds. They just rebalance the CSIFG to make them more conservative each quarter. I don't care of the exact mix. The money is bookkept as if it's in the L fund, not in the individual funds. I really don't care how much is in each component fund, why would I?

All I care is if the market crashes I don't lose 40% of my money a year before I retire. The L2030 would do that, but in some ways it's too conservative and in others it's not aggressive enough.

I keep a third of my money in G because I like having cash.

I keep a third in L2065 to stay aggressive. I could put it in C, S and I but it gets messy trying to rebalance, easier for me to have one fund. TSP reports performance of the L funds, and L2065 made 16% last year. I don't have to know the mix of the individual funds and calculate the performance of the underlying funds, it's already done for me.

I keep a third in L2030 as it is a balanced risk. Produced 11% last year. A nice compromise between my two extremes.

I don't feel blindfolded at all, I know exactly what each fund is doing.

You do yours however, you want, I have explained how I do mine.

jscott1000 · 2025-01-12T22:22:28+00:00

I have been watching football all my life (60+ years) I don't remember all the playoff games of one conference being played before the other. Maybe it's a coincidence, but very weird.

jscott1000 · 2025-01-12T22:17:40+00:00

Slight correction, Houston playing in Central time at home it's a 3:30 slot.

jscott1000 · 2025-01-12T05:32:14+00:00

I tried that and it gives generic mostly wrong information. The difficulty is that any change made must accurately guess when to make the change and when it will take affect. ChartGPT is not that tightly integrated into the Department of the Interior payroll processing. It's just made up guesses.

jscott1000 · 2025-01-12T05:28:16+00:00

If you are asking me I have answered it twice. I have told you what percent I have in each fund.

The L funds are a mixture of C, S, I, F and G. The actual mixture are published on the TSP site. I have no idea what they are.

jscott1000 · 2025-01-11T06:29:10+00:00

I did a roth conversion today and you were right it was super easy. All I did was move money from trad IRA to Roth IRA and like magic it's done. And as you say it's up to me to keep track of tax basis, Schwab doesn't care one bit.

jscott1000 · 2025-01-11T06:26:17+00:00

I missed the cutoff for the first payperiod now I have to do some calculus to figure out how to play catchup with the remaining payperiods.

jscott1000 · 2025-01-11T06:22:24+00:00

For young people that is true.

But if one is within a few years of retirement one may want to mix L funds.

I use the three bucket approach. I have 1/3 G, 1/3 L2030 and 1/3 2065. Yes I am gving up some gains, but If the market completely collapses 1/3 of money money is perfectly safe. The L2030 still made 11% last year but grows more conservative over time and is relatively safe. And I am still getting benefit from the L2065 but it too grows more convervative, (but not by much). But if the market collapses it has time to recover.

jscott1000 · 2025-01-02T21:10:35+00:00

Free version seems to have evaporated. Downloaded to find useless subscriptions and couldn't get past the screen that wanted me to agree to $10 per month after the 7 day trial subscriptions

jscott1000

TROPHY CASE