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Re: Looking to buy a new car but hesistant.

Buy it but wait until you WANT to pay CASH (and I don't care if it is even a 0% loan - Debt is Debt). Just my $.02.
by OAG
Mon Aug 25, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a new car but hesistant.
Replies: 17
Views: 1581

Re: Windows 7 PC?

With Windows 9 (or whatever it is going to be called) due out in April of 2015 and a early "prerelease" version of it due on in about 45 days why not wait a bit to see how that goes? Personally FWIW I am 73 years old and have been using Prerelease Windows 8, 8, 8.1, 8.1 Update (1) and 8.1 ...
by OAG
Tue Aug 19, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2407

Re: Dell computer warranty upgrades

In the past they worked out well for me. On a Desktop they replaced a Motherboard and SCSI Hard disk. More recently an external power supply was replaced on a more recent Notebook. Before that on another Notebook they replaced a Motherboard twice along with a Keyboard and track pad. All of these rep...
by OAG
Tue Aug 19, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Dell computer warranty upgrades
Replies: 5
Views: 338

Re: POLL: Age for Collecting Social Security Benefits

Choose 68 but actually started at 62 the first time. Repaid and restarted again at 67.5.
DW started at 62 and took Spousal at my age 62 but it too was repaid and restarted at my age 67.5. DW does not have account on BH Site.
by OAG
Tue Aug 19, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7330

Sale of House [Taxes on sale of inherited house]

Friend of mine just sold a house that was owned by his parent (with him on the deed as co-owner). House was fully paid for. Parent died earlier this year. He just sold house. House sold at substantial loss after about 10 years. Will receive 1099-S for proceeds at closing. How is this handled on HIS ...
by OAG
Wed Aug 13, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of House [Taxes on sale of inherited house]
Replies: 5
Views: 575

Re: Window Wells Filling / Contractor Question

Not sure if this is a possible solution or not but they do make clear plastic covers for window wells. Properly sized and fitted ones should reduce and/or virtually eliminate water intrusion. Been there and done that!
by OAG
Tue Aug 05, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: Window Wells Filling / Contractor Question
Replies: 12
Views: 812

Re: Funding a Down Payment

2.5 X Income (in your case) is $150K - doubt there much available in your area for that amount. (2.5 X Income used to be a reasonable yardstick to use) I believe it still is!
by OAG
Sun Aug 03, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Funding a Down Payment
Replies: 11
Views: 1504

Re: Home Appraisal

Appraisal came in 25K above Zillow estimate and we now have a LTV of 77%. Jumbo, 30-year fixed @ 4.25%, 0 points, $2,054 in closing costs (appraisal, title, fees and taxes). So 15 minutes was just fine for your purposes. Congratulations and no hit on the EF (well except for the closing costs maybe).
by OAG
Thu Jul 31, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal
Replies: 20
Views: 1489

Re: Quick question on Credit Card Interest

Best is to make this a moot point by paying off your CC balance(s) in full each month. I have two income transactions to my checking account each month and I often pay the outstanding balance on my two CCs right after "getting paid"; I don't wait for a monthly CC bill to be generated... I...
by OAG
Thu Jul 31, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quick question on Credit Card Interest
Replies: 10
Views: 923

Re: Home Appraisal

What were the results? Favorable or not for you? I suppose you can always dispute the results however I assume that is an uphill endeavor for you.
by OAG
Wed Jul 30, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal
Replies: 20
Views: 1489

Re: How old are you?

74.60
by OAG
Wed Jul 30, 2014 4:58 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6569

Re: Lawyer Up? Advice Needed

I probably missed it but has the "needle" been properly analyzed for residue? If negative or benign may not be 100% conclusive but could ease OP's mind a bit.
by OAG
Thu Jul 24, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obtaining Legal Counsel?
Replies: 51
Views: 3408

Re: Will not using my dishwasher cause problems?

When I purchased my home 10 years ago, I tried to use the dishwasher and it didn't work. I have not tried again in 10 years. I don't need it anyway. If/when I sell the house, I'll just tell them they need a new dishwasher. Not necessarily see my post for what worked for us. SSCRITIC = No she only r...
by OAG
Thu Jul 24, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 3089

Re: Will not using my dishwasher cause problems?

We do not use ours either. However, each month on the first of the month DW puts one cup (50% water & 50% white vinegar) in it and runs a single rinse cycle. We started doing this AFTER we did not run it for about 4 years and at that point it would not run. After letting the water/vinegar mix se...
by OAG
Thu Jul 24, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 3089

Re: Poll - Do you use Quicken?

I used MS Money for many years. Finally when the end came I switched to Quicken. HATED IT. I found Money infinitely better for investment tracking/returns. Not as visually interesting as Quicken but much greater functionality (IMHO). I now use the free sunset edition of Money, which works on Win7 (...
by OAG
Mon Jul 21, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5083

Re: Poll - Do you use Quicken?

Quicken 2014 Windows 8.1 Update 1 on Surface Pro 2 here.
by OAG
Mon Jul 21, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5083

Re: Former Employer Over Payment

OP I know this is "water under the bridge" but why did you not return what you said you felt you should to GE early on? Then you would still be able to argue about the rest on a much better footing IMO. I do not think this will end well for you now (again just my opinion). Although many wo...
by OAG
Mon Jul 21, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Former Employer Over Payment
Replies: 37
Views: 2352

Re: My house just flooded

Folks=Think Trailer! They do have to be re-leveled when the ground under the concrete blocks move (heavy water flow will do that) . Hard to fix that unless the trailer is moved to higher and more stable ground. Wonder if current location is in a flood plain (not for current problem, which as already...
by OAG
Fri Jul 11, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: My house just flooded
Replies: 13
Views: 2043

Re: Subaru Military VIP Program

Check out PFCU as they were offering 0% financing using their buying service.
by OAG
Tue Jul 08, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: Subaru Military VIP Program
Replies: 7
Views: 1280

Re: Replace Motor or Buy New Washing Machine?

brand new washer of similar specs is $ 475.95 all in. C4NT: I went to my 2014 Consumer Reports Buying Guide to try and help you. Most washers have a list price of $1,000 or more. The lowest price among 35 listed was Samsung WA400PJHD[WR]k; a "Best Buy" at $ 700.00 . Best wishes. Taylor Th...
by OAG
Mon Jul 07, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1506

Re: Homeowner responsibility for water service line

Hang in there. You may also get one from the Gas Company (if you have natural gas service). This one is to cover the repair of your gas line INSIDE your home. The Electric Companies have another one for you to take care of the line going to your electric meter. So now the Water companies are getting...
by OAG
Sun Jul 06, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2113

Re: What to do with old Macbook Pro?

I just donated a Computer, removed HD bought a box and now that HD is a very adequate external BU drive (boxes can be purchased with both EIDE and USB 3 cables for about $30). This was a INTEL computer but reasonable same can be done with MAC hardware. Newer Macs are INTEL computers too. I assume y...
by OAG
Sun Jul 06, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1889

Re: What to do with old Macbook Pro?

Duplicate Post.
by OAG
Sat Jul 05, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1889

Re: What to do with old Macbook Pro?

I just donated a Computer, removed HD bought a box and now that HD is a very adequate external BU drive (boxes can be purchased with both EIDE and USB cables for about $30). This was a INTEL computer but reasonable same can be done with MAC hardware.
by OAG
Sat Jul 05, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1889

Re: Continue subscribing to local newspaper?

OAG wrote:73-Have not subscribed to a newspaper or magazine for over 25 years. Also no cable TV. Internet or Rabbit ears. That is how I paid for my Mercedes for cash which I enjoy a lot more.
by OAG
Sat Jul 05, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6386

Re: Continue subscribing to local newspaper?

73-Have not subscribed to a newspaper or magazine for over 25 years. Also no cable TV. Internet or Rabbit ears. That is how I paid for my Mercedes which I enjoy a lot more.
by OAG
Sat Jul 05, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6386

Re: Valuing a personal residence for net worth purposes

I use recent sales of very similar homes within 0.5 miles of my house. Then I subtract 10%. That is pretty realistic. However if you would relocate you also have to include relocation costs and "new place" closing costs. Selling and moving have a lot of costs that some have a tendency to ...
by OAG
Sat Jul 05, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 4033

Re: compare tablets with and without a stylus pen

I have one that came with a stylus, used it for a couple of days. Have not used it since (over 10 months). I do use a Bluetooth pointing device. Gorilla Glass is very easy to keep clean. FYI I use a MS Surface Pro 2 - way overpriced! :)
by OAG
Fri Jul 04, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: compare tablets with and without a stylus pen
Replies: 6
Views: 415

Re: Water/sewer backup coverage: buy or not?

Call a plumber and get a back-flow valve installed. :happy +1 Personal experience in Florida (no basement). About $50K total damages all covered by insurance. Backflow devices are good UNLESS the back up is internal in the house (upside of the BFD). They will stop downside intrusion UNLESS installe...
by OAG
Thu Jun 26, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water/sewer backup coverage: buy or not?
Replies: 33
Views: 2822

Re: Buy A New Windows Computer Now?

New Intel CPU coming some time this year - impact will be somewhat lower prices on current models. As already mentioned Holiday sales will start (probably soon). Rumor is that Windows 9 will be out in 2015 too. Now if you continue to wait for these events (and the next new ones that are sure to foll...
by OAG
Tue Jun 24, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 2960

Re: Took 2 RMDs by mistake and can't cancel the transaction

(it should be called an additional withdrawal) since the first withdrawal was the RMD - aside from the possible age 71 RMD's (2) I was not aware one can take multiple RMD's in a single year. There's also the case if you mess up. You may take the current years RMD as well as previous years RMD and b...
by OAG
Tue Jun 24, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Took 2 RMDs by mistake and can't cancel the transaction
Replies: 36
Views: 1921

Re: Took 2 RMDs by mistake and can't cancel the transaction

I took a "60 day" loan from my IRA when I moved once and found out I did not need the money. I just sent it back (well within the 60 day period) to the custodian (actually just called them and said put it back in the IRA from the checking account). I think at the end of the year 1099 they ...
by OAG
Tue Jun 24, 2014 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Took 2 RMDs by mistake and can't cancel the transaction
Replies: 36
Views: 1921

Re: Military [Survivor Benefit Plan] and Other Mistakes

Lots of VERY good and timely advice - hope you can convince your friend to at least really consider it if not take it. Nothing to add except to say congratulations on your coming Military retirement.
by OAG
Mon Jun 23, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Military [Survivor Benefit Plan] and Other Mistakes
Replies: 22
Views: 1333

Re: synthetic motor oil?

bogleblitz wrote:yes, it is worth it. Use what is recommended my the owner manual.

Synthetic motor oil should be changed between 75,000-150,000 miles.

so it last 2 to 3 times longer than regular oil.


Did you add an extra 0 to those #'s?
by OAG
Sat Jun 21, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: synthetic motor oil?
Replies: 17
Views: 1219

Re: Bluebird

With all due respect this is a no go for me: https://www.bluebird.com/faqs?linknav=u ... -FDIC#fdic
by OAG
Thu Jun 19, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Bluebird
Replies: 14
Views: 1696

Re: Watch battery replacement gone bad. What to do???

How do you destroy a watch by removing the back? They either pop off or screw off. Been replacing Watch Batteries for our watches for years in several different brands of watches - I have scratched some backs but never "ruined" a watch changing the batteries. BTW voltage is inscribed on th...
by OAG
Mon Jun 16, 2014 7:49 am
 
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1147

Re: Low cost retirement options

mlipps wrote:
4nursebee wrote:Isn't Colorado a lot smokier these days?


I have no idea. If anyone has reliable recommendations for a website to compare air quality stats, I'm all ears. Most of what I can find is up to 20 years old.


http://airnow.gov/index.cfm?action=aqibasics.aqi
by OAG
Tue May 27, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Low cost retirement options
Replies: 21
Views: 2636

Re: in-laws/student loans

NEVER lend money to friends or family. It has a GREAT chance of turning into a gift at best and destroys the relationship usually.
by OAG
Tue May 27, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2517

Re: Dealing with mortgage delay close to closing date

It is hard not too, but you should not panic (seller is no doubt feeling the same). Sounds like all should work out and seller should more than likely not want to put the house back on the market since you are a solid purchaser and it appears any problem(s) are with the lender and do not reflect on ...
by OAG
Tue May 27, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Dealing with mortgage delay close to closing date
Replies: 7
Views: 840

Re: The in-laws are broke!

Maybe one option for your in-laws to consider is a reverse mortgage on their paid off home. Generally a bad idea in most cases, but they may be the exception. I agree with the consensus of other posters above, put your children's priorities first. It is no longer their house. Belongs to one son (as...
by OAG
Mon May 26, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16488

Re: Mom's Bond/Cash Portfolio

She has SS and a PENSION. While these amounts in total are unknown to us the OP knows. OP probably knows the additional costs involved with assisted living since OP said another $1,500 per month additional will be required. The question was where to put the $400K and what to do with the VA. Since no...
by OAG
Sat May 10, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mom's Bond/Cash Portfolio
Replies: 8
Views: 1204

Re: Cash Advance on a credit card

Recently received an offer from one of the CU I am a member of. 0% for 18 months w/max fee of $250 on a $25K limit. So for less than an annual rate of 1% I can just write the check. I don't have a need for the money so the checks just get ran through the shredder but some reasonably decent deals com...
by OAG
Sat May 10, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on a credit card
Replies: 21
Views: 1485

Re: Best way to send flowers?

If a member use USAA (FTD) - 25% discount and lower delivery fees.
by OAG
Sat May 10, 2014 6:59 am
 
Forum: Personal Consumer Issues
Topic: Best way to send flowers?
Replies: 15
Views: 1029

Re: COMPLETING FORM 5329 PART VIII

That amount is the penalty. IRS wants the money if they don't approve the waiver and will refund it if they do. :D
by OAG
Fri May 09, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Completing Form 5329 Part VIII
Replies: 11
Views: 719

Re: [Purchasing a] hearing aid

I have been wearing HA for over 25 years. Provided by the VA along with Batteries. I have used in the ear units and currently a over the ear units (Resound is the brand). The OTE units can be user volume adjusted (if the VA enables that function for you - which they did for me). The OTE batteries la...
by OAG
Thu May 08, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] hearing aid
Replies: 18
Views: 954

Re: Why have a HELOC

I have had a HELOC for many years. I have used it to buy cars, home improvements and other large cash needs. I am always aggressive in paying it off and it is very convenient for such purposes. Plus it is at a very good rate - prime minus .5%. I find it much more convenient than applying for loans ...
by OAG
Mon May 05, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Why have a HELOC
Replies: 19
Views: 1736

Re: How to calculate living expenses 30 years from today?

Excel and other SS are good tools for this. If you assume 2% annual inflation just increment your current expenses by that amount each year. At the 30 year mark you should get the 2% compounded expense number. If your Pension is COLA'd you can do that for it too. SS is COLA'd too. I have done this s...
by OAG
Wed Apr 30, 2014 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate living expenses 30 years from today?
Replies: 13
Views: 1227

Re: Capital One 360 (Online Checking Acct)

We have a Capital One Account and have had it for over 20 Years. Currently only have a Savings Account which is used for transferring money out via free ACH. Still have several 10 year 5.5% and 5.25% CD's there - but that will end late in 2015 when the last one matures. Although it looks like we wil...
by OAG
Wed Apr 30, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 (Online Checking Acct)
Replies: 19
Views: 2582
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