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Re: Just Got 2.45% CD at CIT

Just got a 2.5% APY 7 Year CD at NFCU. At least $20K for that rate; 2.55% for $100K. Not great but not much better out there (NCUA Insured).
by OAG
Sun Nov 23, 2014 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just Got 2.45% CD at CIT
Replies: 12
Views: 3103

Re: lock-up for 20 years [20 year CD]

If I was a bit younger but even then it does not sound bad. I would have a few questions first: Is it FDIC/NCUA insured? Early W/D Penalty (not so important IMO)? I did something like that a few years ago at 5% APY with ability to accrue the interest at the same rate monthly in a 10 year NCUA insure...
by OAG
Wed Nov 19, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: lock-up for 20 years [20 year CD]
Replies: 21
Views: 2640

Re: car sensor showing TPMS sign

I would use an actual air gauge and check all four tires daily while cold. Do it before you go drive for the day. That way you can know if the tires are at the right pressure or not. If they are all holding their pressure OK then the light is more of an annoyance. You can definitely still fill or d...
by OAG
Mon Nov 17, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 1877

Re: How often do you go out to dinner?

I Checked "0" but we do for birthdays and anniversaries which for us amounts to four times a YEAR.
by OAG
Mon Nov 17, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 5628

Re: Obligation to Parents?

You are young - Your attitude towards both of your sets of parents will probably change for the better as you as you gain life experiences.
by OAG
Thu Nov 13, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4288

Re: What do you set your thermostat to (in F)?

68 (my vote in the survey) for much of the day (up from 65 a couple of years ago). Set-back goes to a low of 60 during the night but back to 68 at 8 AM and down again at 7 PM, 7 days a week.
by OAG
Wed Nov 05, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4620

Re: 2015 Suburu Outback

IIRC Subarus need to run on premium. Base spec is pretty bare bones - but fewer toys to break I guess. ground clearance is better than many small SUVs From what I've seen they will go the distance mechanically. Hard to justify the 3.6 unless you live in the mountains. No, they all take the 87 Octan...
by OAG
Tue Nov 04, 2014 5:39 am
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 5554

Re: 2015 Suburu Outback

Beware of Subaru dealers who try to get you take their 30K, 60K and 90K service packages. We're getting close to 30k and the dealer is quoting $650 for the 30K service. For example, they recommend replacing brake fluid at 30K. I don't ever recall replacing brake fluid on any vehicle unless brake wo...
by OAG
Mon Nov 03, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 5554

Re: Car Maintenance

MB requires brake fluid flush replacement every 2 years to retain the 4 year warranty (or extended warranties, if any). So if you want your warranty you do it, otherwise you can skip it and argue with MB if a brake related problem arises that is usually covered should be denied or not. Personally, I...
by OAG
Mon Nov 03, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Car Maintenance
Replies: 32
Views: 4139

Re: 2015 Suburu Outback

Suggest this site: http://www.subaruoutback.org/forums/

Great Site for real world information on this vehicle - go to the "5th" Gen thread for information on the 2015 model.
by OAG
Mon Nov 03, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 5554

Re: Tax Question

I am sorry - my math sucks this morning and you are right :oops: (200K-90K-40K=70K).

PS: I corrected my first response.
by OAG
Mon Nov 03, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question
Replies: 14
Views: 1770

Re: Car Maintenance

OP if you think the 20K service is expensive just wait until you see the cost of the 40K (4 year) service is. BTW you only have to show receipts that the required service was done. The 20K (2 Year) service is a Oil Change and a Brake Fluid flush and replacement - all of the other things are "ch...
by OAG
Mon Nov 03, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Car Maintenance
Replies: 32
Views: 4139

Re: Tax Question

From your information and the fact you DID NOT live in it 2 full years out of 5 years (as you stated 1 full year and half of another is not 2 full years) you may owe taxes on $70K of profit (depreciation taken may have to be recovered). Add that to your other income and use Tax Act (preview edition ...
by OAG
Mon Nov 03, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question
Replies: 14
Views: 1770

Re: Ignition key won't turn - more complicated than expected

Same thing happened to me a few years ago. I got a quote from the dealer for about $350 to fix plus towing charges to get the car there. I decided to do what a thief would do and get some tools and rip the guts out of the ignition cylinder. Took me about 15 minutes(I'm not a good car thief I guess)...
by OAG
Sun Nov 02, 2014 5:44 am
 
Forum: Personal Consumer Issues
Topic: Ignition key won't turn - more complicated than expected
Replies: 24
Views: 1971

Re: CD rate change schedule

PENFED just went early in the opposite direction (down). I personally would be VERY surprised if either of them (PENFED or NAVY) have anything at the end of the year. I am surprised that Navy has kept the current rates for as long as they have. But I probably know less than anyone about CD rates. Th...
by OAG
Sat Nov 01, 2014 6:18 am
 
Forum: Personal Finance (Not Investing)
Topic: CD rate change schedule
Replies: 10
Views: 2631

Re: need a new home page [browser default page]

May like CNN.Com. Seems to meet your requirements.
by OAG
Wed Oct 15, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 2068

Re: Quicken 2015 for Windows - Any reviews?

Do we know this for a fact? I have always used it on two PCs--one at home, one at my weekend home. I use Google Drive to keep a single synced file. If they prevent me from using it on two machines I will have to give some serious thought to this. I'm on Q-2013, so I have another year before the 3-y...
by OAG
Wed Oct 15, 2014 5:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 76
Views: 10258

Re: You may be getting charged rent for a router/modem you o

I am with TW - Purchased my own Modem/Wi-Fi Router hooked it up. Took old TW Modem/Wi-Fi Router to them got a receipt and immediately (as in next bill) received the reduction (even a partial reduction for the month of return as of the day I turned in the old TW device to them). No complaints.
by OAG
Tue Oct 14, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 4181

Re: Quicken 2015 for Windows - Any reviews?

Been using 15 version since Sunday. Works fine and see very little changes. To date no problems and speed is just fine. One thing with this version (that was not mandatory with other versions) is that you MUST have or create a Quicken/Intuit ACCOUNT. This appears to be necessary on Intuits part to p...
by OAG
Tue Oct 14, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 76
Views: 10258

Re: Missouri state income tax on traditional IRA

Check to see if your state (MO) gives a "credit". In Ohio IRA (Traditional) withdrawals (not previously taxed) are treated as TAXABLE Income but the give up to a credit that covers about $8K of withdrawals - beyond that it is all State Taxable Income.
by OAG
Mon Oct 06, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Missouri state income tax on traditional IRA
Replies: 6
Views: 684

Re: Sump Pump Running Every 8 Minutes?

Do you have any Anti-Backflow connections that may have gone bad? Water is pumped out by Sump Pump but immediately returns to the pit when the pump shuts down. I have two on my system but the second one is for the battery back up pump which is separate from the main sump pump. Depending on the lengt...
by OAG
Mon Oct 06, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 1689

Re: New hardwood floor

In most hardwood flooring there are pieces that match the finish but are designed for raising or lowering the main floor (within reason) so that doorways can matchup to existing door frames. There are also pieces so that you can make the stairs match the rest of the main floors (bullnoses). Depends ...
by OAG
Mon Oct 06, 2014 5:06 am
 
Forum: Personal Consumer Issues
Topic: New hardwood floor
Replies: 13
Views: 1653

Re: Windows 10 Preview Installed?

4 Days out now and still running just fine on my primary and only Computer Notebook! Just wanted to say that in case anyone thought "did not come back, must have crashed".
by OAG
Sat Oct 04, 2014 8:28 am
 
Forum: Personal Consumer Issues
Topic: Windows 10 Preview Installed?
Replies: 20
Views: 1689

Windows 10 Preview Installed?

Has anyone else installed the Windows 10 Preview that was made available by Microsoft yesterday? I did and it seems to be working just fine. The actual install of the OS took a long time but once installed all seems fine. It was a bit of a leap of faith on my part since I am down to a single Noteboo...
by OAG
Thu Oct 02, 2014 4:54 am
 
Forum: Personal Consumer Issues
Topic: Windows 10 Preview Installed?
Replies: 20
Views: 1689

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 7:13 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1773

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 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1773

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 11:16 am
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2412

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 6:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Trouble changing SS direct deposit
Replies: 6
Views: 624

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 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2466

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 5:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2466

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 9:30 am
 
Forum: Personal Consumer Issues
Topic: Help finding URL for PDF
Replies: 5
Views: 323

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 9:18 am
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1903

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 5:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What Happens To Mortgage When Borrower Dies?
Replies: 12
Views: 1991

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 10:23 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1656

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 8:43 am
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2697

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 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3515

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 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2697

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 10:52 am
 
Forum: Personal Consumer Issues
Topic: LibreOffice Password Proection
Replies: 7
Views: 479

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 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 32
Views: 3244

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 10:42 am
 
Forum: Personal Consumer Issues
Topic: USAA Credit Card Offer
Replies: 12
Views: 1147

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 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a new car but hesistant.
Replies: 17
Views: 1719

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 11:22 am
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2884

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 11:11 am
 
Forum: Personal Consumer Issues
Topic: Dell computer warranty upgrades
Replies: 5
Views: 380

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 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 8073

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 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of House [Taxes on sale of inherited house]
Replies: 5
Views: 587

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 6:27 am
 
Forum: Personal Consumer Issues
Topic: Window Wells Filling / Contractor Question
Replies: 12
Views: 988

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 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Funding a Down Payment
Replies: 11
Views: 1585

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 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal
Replies: 20
Views: 1547

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 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quick question on Credit Card Interest
Replies: 10
Views: 961
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