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Capital One 360!

FWIW when I retired (1979) I chose the minimum for my spouse (15%). The cost was minimum and at age 70 (I am 72 now) became free (or technically "paid up" without further deductions for premiums). I had a close friend that chose 55% for his spouse (I could not talk him into a lower amount)...

Look for the NCUA logo which means basically same as FDIC in banks. I have had CD's at NCUA insured Credit Unions for over 40 years and never had a problem.

OP I have a few CD ladders but the main one is at Pentagon. The mechanics of the ladder has been already been explained so I will not repeat that. Some options on how one can manage CD's at Pentagon are: You can withdraw monthly interest at will and switch back and forth at will, you can borrow agai...

Heavy water use is not a problem especially with such a "young" system it is usually what is put in them that becomes the problem. My suggestion is to go to some DIY home sites or use Google to search on something like Septic Tank Maintenance? However I am sure you will get some good sugge...

I do not even crawl under any longer. I bought a Mityvac and just pump (suck) the oil out (and you can usually get more oil out than if you remove the pan plug since in some cases the plug is on the side of the oil pan and not on the bottom any longer. Helps even more if your oil filter is on the to...

Internet only. Single cell with F&F ($10 a month). Roku & Netflix. ($7.99 a month). All commercial free.

Used budget blinds 7+years ago. Vertical style and they still look and operate like new. Did every window in the house (25). Cheapest available.

BTW current revision of Quicken is R-11.

Our Dr. Office has a sign that they will give a 10 or 20% discount at time of service. Not sure how that works as we never used it (fully insured).

I just looked at Quicken and it seems the last Watch Battery I purchased (in 2012) cost me $2.13 (plus sales taxes) at Kroger's battery kiosk. I put it in myself so total cost was just that plus maybe 5 minutes to open the watch extract old batter insert new one and close up the watch. I do have a L...

Member since 1975 - 38 years. Use them for everything financial (Checking, VISA, HELOC, CD's, & Savings). Have NEVER had a problem with them and to the contrary they have corrected some of my errors in the past and I have never paid a faulted fee or penalty on anything. They are the 3d largest F...

Zillow is within close but I do not put much faith in it since it can't seem to place the building too close to where it actually is.

Surprised no one mentioned a Pawn Shop (but maybe I missed it). They may even let you rent a nice one for a week or so for about $100 or so. Fall in love with it purchase it or return it. Be sure to get it looked at by a reputable watch person (there are just a few fakes around).

Go to Speedtest.net and see if you are getting the speed you are paying for. I just did and I am getting very close to what I am paying for and I have a Roku 3 running along with this notebook computer both of which are Wi-Fi (as opposed to hard wired). I am on Time Warner with Internet Service only...

This will probably not help OP but after 10 Grand Children and 1 Great Grand Child (with another due this summer) we went the toy, Bond, Cash route (not all at the same time). Toys are gone as are most of the bonds the cash usually gets put into a savings account and then given to the kids at some p...

Exactly 0%. (tried 0% but minimum characters is 5).

Be sure to install latest updates to the program - there have been several & latest is Release R11 (22.1.11.31) as of today.

I did not think anyone kept XM etc., beyond the "free trial period" especially in cars. We did not and periodically they will send us a letter with a "free 30 days of service". We do use the "free" service but never bite on the renewal. Just a unnecessary monthly cost m...

Do what they said. The item numbers are 15a and 15b on IRS 1040. In 15a you place the total amount of the Rollover and in 15b you put the taxable amount (if the total amount of 15a was the rollover it would be 0 or blank if not taxable). You do manually annotate in the margin as a "Rollover&quo...

But who pays the fees are negotiable even the government ones realistically.

Windows 8 uses "tiles" instead of icons. You can download free programs to bring back the "start" menu of windows 7 or you can use toggle keys: Ctrl + D = Desktop Ctrl + X = Programs Ctrl + C = Charms (new word meaning icons on the far right side of screen which include settings...

If you use the Federal Tax Tables (and most State Tables). Does it really make any difference in the taxes until you round up or down a net of $50 (I guess it could be as much as $99.99) depending on the totals up netted against the totals down? Could always put the numbers into Excel and round with...

For your chuckle of the day, PenFed is paying 1.9% APY on its 5-year CDs. So, I guess you could borrow from them, then turn right around and . . . Naw, can't be that simple. Actually is just that simple. You can even "borrow" against your VISA at Navy FCU via the current plan they have (g...

Did it in 2012 for 3 past years. Missed same deduction in those years. Refund checks came quickly. No questions or audits.

I know this is probably useless to OP but we just today got off TW TV - The white van with a couple of fellows in it came by and picked up the cable box then went out back and put the filter in (or took it out) so we no longer have TV. We did keep the Internet/Wi-fi. We use Roku boxes on two TV's an...

Just checked online. The Chase Sapphire comes with 40,000 bonus points if you spend $3000 in first 3 months, which is worth $500. The points can be redeemed for "Travel Rewards" whatever that is. I assume airline tickets. Doesn't mention any cash back rewards. I think you get their "...

This thread reminded me to do my HWH as it was starting to make noises. DW and I did it in about an hour. It took about a half hour to get the tank drained and purge the air from the HW lines when we finished. HWH is nice and quiet now. This is so simple it is STUPID IMO to hire someone.

htdrag11 wrote:
3. OAG, what is MC?

- ht

Medicare.

Has anyone calculated their savings of moving to a No State Income Tax state like Florida? *Moving from Ohio - Marginal State Tax ~4.1%, Sales Tax 5.5% Are there any other savings to be had by retiring in Florida? Homestead exemption save much $? Anything else? Thank you for sharing your experience...

kaneohe wrote:I thought you could do indirect transfers from an account only 1x per 12 mos.

+1 (another case of RTA (Read the Agreement)).

3 year CD at PENFED is now 1.85%.

Just for clarification there are two sides to SS/MC deductions. The ones the employee makes which are part of his/her gross income and taxed yearly and the ones the employer makes which are not taxed. That is how they justified the taxation of benefits. This does not apply to some of the hi-jinks of...

Jay69 wrote:Not sure what state you are in but in our state every time the car is sold the state gets its 6.5%. Somthing to keep and eye on.

good luck

Some States have a "close relative" or some such exemption - Something else to keep an eye on.

Ask the person you called when she returns your call or her supervisor if she is not clear in her response. I personally think this is a clear "on the steps sale" without redemption possible (baring some type of error on the county's part) but it is your money not mine.

In terms of retained records, when was the last time you were asked to reproduce one? I'm 63 years old and have never had to do so. If you want to keep tax returns forever, be my guest, but it is most unlikely that anyone will ever ask to see them. As for financial, I don't think Vanguard (or Fidel...

We have TW also. We do not like paying more to watch one station at a time an pay more than the natural gas bill to do so. At one time we had the TW Triple play (TV Phone & Internet). First to go was phone which was replaced with "Frends & Family cell services @ $10 a month. Next will b...

There is a difference in purchasing a "tax lien" and a "property at a court house steps sale". Tax lien purchases can lead to future ownership but Court house step sales are generally final. I think OP may be embarking on a "final" purchase but some of the information g...

Tax Act is available now for $12.95. However NO ONE knows what will happen on AMT. New 2012 version of 6251 is available at the IRS Site BUT the form says enter the exclusion amount from the 6251 instruction publication - BUT the 2012 version of that is NOT AVAILABE. So it is all mute at this point ...

One Must have at least a $5 share account. On line statements can be printed or saved. If not a phone call now seems best solution. Personally my mortgage info is on each of my monthly on line statements.

Don't you get a on line or mail statement covering at least your share account with Pentagon? Your mortgage status should be at the bottom of that statement. Otherwise a call to Pentagon should solve the mystery.

I use a SBG 6580 Motorla 4 Eth recepticals D 3.0 and has wireless built in it, (you can Google for more). I use with Time Warner. I got mine as a free replacement under a grandfathered agreement (no rental cost or purchase fee) but it can be purchased under $100. I use it with a ROKU 2 and I am very...

I noticed many people posting about credit unions here. I was wondering if anyone here banks with credit unions. I know many here have used PenFed and NavFed, and USAA, however, I am interested to see if anyone here banks with a local credit union, or have in the past, and to identify some by name ...

Spent most of today installing W8 on two computers - a relatively new Notebook and a 4 year old Desktop. Both went smoothly. I never installed the pre-release of W8 so I spent part of the day learning W8 on the Notebook and then this evening installed it on the Desktop. Both went very smoothly and t...

Come to OHIO RE Taxes (which include School Taxes) are very high especially in Central OH. And then watch out for the Levy stuff they put up about every year. Otherwise the taxes are not too bad.

OP do you have a mentor you trust to talk to? Your feelings seem so relevant to mine many years ago. I almost quit at about the same time in service. I was convinced to stay. I stayed until I retired at age 38 with over 21 years of service. I am now going to be 72 years old in about a week. My wife ...

Check on the AMT forms. Some early release tax software has a check box where you can force the patch. I can't remember if TaxAct has done this in the past. +1 (it is there in Tax Act and it lets you do it either way (with or without a AMT Fix). Previous poster 2012 Tax Act does assume some changes...

Not sure about all the ins and outs regarding college financing as our kids all went over 25-30 years ago without aid or loans. However we have a good IMO HELOC from Pentagon FCU. We use it like a "emergency fund" and have used it several times in the past 5 years. It is for a 15 year term...

I have similar concerns lately as well with my credit cards. I have read online that there are alot of people opening new cards for mileage points and rewards then closing it after their 0% apr or no annual fee for the first year settles in. These deal chasers open and close cards left and right ga...

I recently called TW with the full intention of just cutting the TV completely (we have a HD set-top box with expanded HD (no recorder)). I wanted to just keep the cable for Internet service. So I said take the Box out and cut the TV service (we have Roku boxes for mostly Netflix over wi-fi for ente...