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Re: Refrigerator problem

Our GE Profile 10 year old started acting erratic: Water Dispenser would not dispense, Ice maker would not work, temp in freezer and food compartments started acting up (like yours). Then it finally just quit running at all; no lights at all). Did the cleaning process etc., to no avail. Went on lin...
by OAG
Sun Sep 21, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1622

Re: Refrigerator problem

Our GE Profile 10 year old started acting erratic: Water Dispenser would not dispense, Ice maker would not work, temp in freezer and food compartments started acting up (like yours). Then it finally just quit running at all; no lights at all). Did the cleaning process etc., to no avail. Went on line...
by OAG
Sat Sep 20, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1622

Re: House broken into--please help

Was anything insured? Did not notice that. Beyond the previous suggestions maybe it is time to move if renting. The police report is important for several of the other factors (Passport, Credit Cards, etc.,) and to prove the date and time of loss of other cards that may be used soon.
by OAG
Fri Sep 19, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2282

Re: Trouble changing SS direct deposit

I have done it on line several times. Couple of points: Do not close the OLD account until you see the deposit hit the NEW account. Be very sure you have the correct ABA number and new account number EXACTLY correct when setting up. You will receive a letter shortly (maybe 10-14 days) after doing it...
by OAG
Thu Sep 18, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Trouble changing SS direct deposit
Replies: 6
Views: 590

Re: Safe Withdrawl Rate

Should work just fine IMO. Market growth, inflation, cannot be accurately even estimated. However I would assume with SS (and based on what you have already said it sounds like it would not be a minor amount) coming in about 9 years it should be no problem maintaining a $150K per year withdrawal (in...
by OAG
Tue Sep 16, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2370

Re: Safe Withdrawl Rate

Pension/COLA? SS Plans? Cash Value of Insurance Plans (Cash in/Hold?). Expenses? Medical? Not much information!
by OAG
Tue Sep 16, 2014 6:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2370

Re: Help finding URL for PDF

Win 8.1 doesn't seem to have a clipboard. Paul In Windows 8.1 when you "right click" you can just "copy the shortcut" then "paste" it wherever you want it. Like on the Desktop or "right here" like I just did. That is the "Clipboard" in Windows 8.1 i...
by OAG
Mon Sep 15, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Help finding URL for PDF
Replies: 5
Views: 309

Re: Hearing aids - for those that use them

+1 on the VA route if you can manage it. I have been wearing VA issued hearing aids for about 20 years. I was rated for hearing loss at retirement but waited a long time before coming to grips with the fact that I was losing my hearing at a greater rate when coupled with the common aging loss of hea...
by OAG
Mon Sep 15, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1756

Re: What Happens To Mortgage When Borrower Dies?

I used to hear that if one person on a joint checking account died, the account would be frozen when the bank found out about the death. So I used to remind DH that the first thing to do after I die (if he wants to continue eating) is to remove as much money as he could from joint accounts and open...
by OAG
Mon Sep 15, 2014 6:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What Happens To Mortgage When Borrower Dies?
Replies: 12
Views: 1908

Re: Retiree Poll: Do you own your primary residence?

I do own mine - along with the Country Tax Assessor/Collector.
by OAG
Sun Sep 14, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1598

Re: Hidden car key a thing of the past?

I do not understand. We have two "transponder keys" but inside of each is a smaller regular key that can be used to open doors and start the car. These can be removed and used like the "old" keys and even have a hole for putting on a key chain. So in essence we have 4 keys. This...
by OAG
Fri Sep 05, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2566

Re: through tRe: NFCU 1 year certificate (CD) 5% APY $5k max

For those interested. NFCU has perpetually been offering an Easy Start 12 month @ 3%. Of course the limit is only $3k per member but if you are going the process of joining and/or transferring funds, you can grab a little extra at a decent rate. I have been maintaining four of these CDs the last th...
by OAG
Fri Sep 05, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3308

Re: Hidden car key a thing of the past?

I do not understand. We have two "transponder keys" but inside of each is a smaller regular key that can be used to open doors and start the car. These can be removed and used like the "old" keys and even have a hole for putting on a key chain. So in essence we have 4 keys. This ...
by OAG
Thu Sep 04, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2566

Re: LibreOffice Password Proection

Use Windows 8.1 Pro and Encrypt the entire HD with Windows Bit locker - Just a suggestion to consider. Once done it is transparent requires less work IMO.
by OAG
Tue Sep 02, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: LibreOffice Password Proection
Replies: 7
Views: 441

Re: Keeping mold out of bath/shower

Use a Squeegee after each shower and leave the shower doors open and do not use a shower curtain. Be sure your exhaust fan(s) are working in the bathroom and run them for about 30 minutes after showering (timers work nicely if it is hard to remember to return to shut them off). We have never had mol...
by OAG
Fri Aug 29, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 32
Views: 3133

Re: USAA Credit Card Offer

PFCU is running a special on several CC now. Charge $1,500 in 90 days (3 months) and receive $100.00.
by OAG
Fri Aug 29, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: USAA Credit Card Offer
Replies: 12
Views: 1100

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: 1624

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: 2513

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: 347

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: 7508

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: 580

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: 837

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: 1515

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: 1501

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: 926

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: 1501

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: 82
Views: 7826

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: 3423

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: 3120

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: 3120

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: 5196

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: 5196

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: 2376

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: 2055

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: 1322

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: 1519

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: 2142

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: 1991

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: 1991

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: 1991

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: 6423

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: 6423

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: 4051

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: 422

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: 2915

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: 3032

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: 1341
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