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Re: Is this a good rate ?

Always look at Penfed!
by wilpat
Wed Jul 23, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a good rate ?
Replies: 5
Views: 598

Re: Anyone been to Charleston, SC?

Great town! I usually take a tourist tour (they take you around on a bus or horse & carriage or etc.) and then go back to the places that looked interesting on the tour. I can then take as much time as I want to look the specific place over. When I go to a town where I have not been before I usu...
by wilpat
Wed Jul 23, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 1451

Re: Being Polite.

Travelforfun: Perhaps the greatest benefit of being polite is that it makes you feel better knowing you are a good human being. Best wishes Taylor I concur! I do feel better when I am being polite and I try very hard to always be polite. I learned that from my Mother -- It makes the receiver of the...
by wilpat
Sun Jun 29, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6699

Re: Mortgage: Variable 7 vs Fixed 30.

Interesting post. I wonder how many folks would buckle under with the verbal pressure not to pre-pay their loan! :wink:
by wilpat
Sat Jun 28, 2014 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage: Variable 7 vs Fixed 30.
Replies: 47
Views: 3415

Re: Suggestions for 1-2 Days in NYC?

I've been to NYC about 100 times and my opinion is that if they ever give the world an enema they will do it in NYC!
by wilpat
Tue Jun 24, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3106

Re: It is time to retire when you .......

I retired (at 72) when my health dictated that it was time. If it were my choice I would still be working (at 74). I was one of the lucky people that enjoyed work immensely. In my 58 years of working I cannot think of a dozen days that I didn't wake up looking forward to going to work.
by wilpat
Fri Jun 20, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9677

Re: Experience with PenFed refinance

I did a first mortgage with them a few years ago and a refi about 18 months ago. I had ZERO problems. I may have been just lucky, but they will always be my first choice.
by wilpat
Wed Jun 18, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3208

Re: Seattle Restaurants

Ivar's Salmon House. We liked it so much, we went back TWICE--and we were only in Seattle for four days! The Space Needle is worth going for the view--just be sure it's not on a day when it rains. We got lucky. We went there the first night, and it was crystal clear. It started pouring the next day...
by wilpat
Wed Jun 18, 2014 4:58 am
 
Forum: Personal Consumer Issues
Topic: Seattle Restaurants
Replies: 17
Views: 1033

Re: How can I get the best mortgage rate?

My suggestion would be to check out Pentagon Federal Credit Union. <penfed.org>
by wilpat
Thu Jun 12, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I get the best mortgage rate?
Replies: 13
Views: 1461

Re: New homeowner: lawn care advice

A different comment on lawn care. Aerate in the fall, spring and summer. It is the best thing you can to do grow a good lawn. Rent one from Home Depot or somebody.

It allows the water to get down to the grass roots and forces the grass roots to go further into the ground -- good good good!!
by wilpat
Wed Jun 11, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26257

Re: 2014 Income tax changes in North Carolina

Thanks for the answers. A little more info -- I am retired and have Social Security and retirement income only. If I need more I get it from investments. My taxable is a TIRA. I will Transfer some to a Roth in December and, if necessary I will reverse the transfer in January. The proper term is &qu...
by wilpat
Tue Jun 10, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 Income tax changes in North Carolina
Replies: 5
Views: 932

Re: 2014 Income tax changes in North Carolina

Thanks for the answers.

A little more info -- I am retired and have Social Security and retirement income only. If I need more I get it from investments.
My taxable is a TIRA. I will Transfer some to a Roth in December and, if necessary I will reverse the transfer in January.
by wilpat
Mon Jun 09, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: 2014 Income tax changes in North Carolina
Replies: 5
Views: 932

2014 Income tax changes in North Carolina

The NC income tax rates and deductions are changing for 2014, but there seems to be no easy way to calculate 2014 taxes yet. It appears to me that I will be able to transfer some money from non-taxable to taxable without additional taxes for 2014. The primary reason I think I may be able to do that ...
by wilpat
Sun Jun 08, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 Income tax changes in North Carolina
Replies: 5
Views: 932

Re: Public Transportation in Miami, FL for visitors

DW and I will be staying in Miami, FL for 4 days prior to taking a cruise to West Caribbean. We want to stay at a motel/hotel near the MIA Airport and take public transport (buses, local trains) to various places, including Miami beach, day tour bus and other attractions. Is this feasible? Or renti...
by wilpat
Sun Jun 08, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Public Transportation in Miami, FL for visitors
Replies: 6
Views: 489

Re: Recommend a 1 month trip abroad.

New Zealand (although I'd rather go in warmer months Nov-March). I concur! New Zealand is my favorite place on earth other than the USA. I have been to every continent on earth (except Antarctica) and New Zealand is at the top. The primary reason that I liked it so much was that it was not "to...
by wilpat
Tue Jun 03, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 3394

Re: Moving to Alaska

and don't let the grizzlies bite. ...I think it's polar bears :happy Don't forget the mosquitoes! :twisted: The mosquitoes in Alaska are HUGE! I was with a group at Elmandorf Air Force Base one time and we were standing out near the runway when a couple of planes flew over with one refueling the ot...
by wilpat
Mon May 26, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Alaska
Replies: 19
Views: 2577

Re: West coast snowbird questions

As I have stated in other posts! The summer of 1965 was particularly nice in Seattle, as it came on a weekend! :happy It has probably changed, but when I lived there it had never been above 100 or below 0 degrees. The longest it had ever gone without rain was 44 days. They averaged 300 rain days per...
by wilpat
Sun May 18, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: West coast snowbird questions
Replies: 14
Views: 1255

Re: Pressure washer with extendable wand

Check at Home Depot. They rent them. You will probably need a gasoline powered machine, as using water that high takes more pressure.
by wilpat
Sat May 17, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Pressure washer with extendable wand
Replies: 8
Views: 577

Re: Seattle and Portland, OR restaurant recommendations

The Space Needle in Seattle. I ate there ate there a little over 50 years ago and it was good.
The view is outstanding if you can find one of those few not rainy days to go!
I suspect it is really expensive! But -- to say you have been there is worth something.
by wilpat
Thu May 01, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1296

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

I've owned two over twenty years, and only had this issue when the blades got dull, or out of balance. Yes they will do this. Get your blades sharpened twice a year,spring fall. Other than that, the mower didn't cut the grass as tall as I like it cut in the hot summer months, so I went with other b...
by wilpat
Tue Apr 29, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 8638

Re: Riding Lawn Mower

I worked at Home Depot (as a retirement job) for a few years. One day I came upon a couple looking at a zero turn mower. The lady was sitting on the mower with her hands on the steering mechanism and she said "How could I smoke a cigarette and drink a beer while mowing with this?" Her husb...
by wilpat
Sun Apr 27, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 29
Views: 8139

Re: Town home, good or bad idea?

There are 2 sides to every story. If you move closer to work (say 15 minute drive or walk instead of 2 hours) you would increase your hourly pay by 20% to 25%. Your total pay, however would only increase by your saving in fuel. On the other hand buying for short term is usually not a good idea. The ...
by wilpat
Mon Apr 21, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Town home, good or bad idea?
Replies: 21
Views: 1769

Re: POLL: what's the deal with Tuna Fish?

FWIW, Tuna is the second most consumed seafood in America. Second only to shrimp.
by wilpat
Sun Apr 20, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 4473

Re: Flights D.C. to London: Buy now or wait?

I have often said that no sane person will ever figure out airline fares! I needed to go to Cairo, Egypt a little over 20 years ago and the normal price was $3,300. I was able to get a ticket for $2,200! Then my trip got cancelled. I got my money back with no problem. A few weeks later my trip was r...
by wilpat
Sat Apr 19, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 50
Views: 9171

Re: Question about IRS Online Payment from Checking Account

A long time ago (1980 tax year) I owed a large tax bill ($279,000) and it took them 29 days to cash my check!
by wilpat
Sat Apr 19, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 25
Views: 3577

Re: Baby Boomers: Top 10 Movies

bill1958 wrote:Blazing Saddles classic humor. Caddyshack too.


I love Blazing Saddles!
It is the last movie I ever saw in an actual theater --in 1974 when it first came out. Haven't been in a theater since.
by wilpat
Sat Apr 19, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 49
Views: 3962

Re: Getting Passport without specific travel plans?

What does "Fig ets nomen eius" mean? I tried google with ???? results.
by wilpat
Fri Apr 11, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 2255

Re: Free "If You Can" Kindle and .pdf eBook

Thank you very much! I am just beginning to read it. :D
by wilpat
Sun Apr 06, 2014 3:33 am
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 53
Views: 10751

Re: best tips for passwords?

That depends on two things: ⋅ Does the attacker know how you're generating the password? And is it in their password guessing algorithm? ⋅ How good is excels random number generator? Any method that is widely used, or that is known to be used by a targeted individual will be in ...
by wilpat
Tue Apr 01, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10299

Re: best tips for passwords?

Here are some passwords that are completely random. They were done on an excel spreadsheet utilizing random sort. There are no references to any specific words or known numbers. %#%oYQ5$(6B@8MqrErKW 7nICdN2cr3O@EA10%zu^k 9ayQa&dXgDb!%xD2WMqR ls7bh8tfC9hG!Fw&3SBP lVoZtRtsGp176$WK*U8H pmYz%JL@...
by wilpat
Mon Mar 31, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10299

Re: best tips for passwords?

You can test your passwords here. https://howsecureismypassword.net/ Mine all tested that it would take a desktop computer 344,000 years to break it! :shock: That site is pretty terrible, because it only accounts for brute-forcing passwords. In general, the programs out there that try to guess pass...
by wilpat
Sat Mar 29, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10299

Re: best tips for passwords?

You can test your passwords here.

https://howsecureismypassword.net/

Mine all tested that it would take a desktop computer 344,000 years to break it! :shock:
by wilpat
Sat Mar 29, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10299

Re: Updating Windows 8 to 8.1

Yes! for sure get 8.1.

I also use classic shell which is free and really makes Windows 8 (8.1) easier to use.

http://www.classicshell.net/
by wilpat
Tue Mar 25, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Updating Windows 8 to 8.1
Replies: 15
Views: 1233

Re: Flying in and out of Midway

There are 40 different places in the US known as Midway.
http://geography.about.com/od/lists/a/placename50.htm
by wilpat
Sun Mar 23, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Flying in and out of Midway
Replies: 13
Views: 1231

Re: Do you love your job? What do you do?

I worked from age 14 (summers weekends holidays etc. during high school) until age 72. I retired because of some health problems. If I had my choice I would be go back work immediately . I cannot think of a dozen days in my 58 years of working that I did not get up looking forward to going to work. ...
by wilpat
Sun Mar 16, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 11081

Re: Cheap good kindle books?

I get Kindle books from:
1. Bargain Booksy
2. eBookDaily Kindle Freebies
3. BookBub
4. Riffle
5. Bookish
6. Amazon.com

I do about 30 books a month. (I am retired with lots of reading time) :D
by wilpat
Wed Mar 12, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Cheap good kindle books?
Replies: 10
Views: 988

Re: PenFed 5/5 ARM advice

I am using the PenFed 5/5/ARM (got it about a year ago starting @2.5%).
I did mine that way because my situation is probably not the normal.
Any time the rate goes to high for my liking I will simply pay the loan off.
by wilpat
Wed Mar 12, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM advice
Replies: 14
Views: 1217

Re: Alternatives to MINT.com

Excel 2013.
by wilpat
Sun Mar 09, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to MINT.com
Replies: 33
Views: 4989

Re: H&R block taxes

I did my own taxes with H&R Block software. 1-1099 INT, 6-1099 DIV's, 3-1099 B's, 4-1099 R's, 1-1099 G and 2 SSI W2's. It took me about 90 minutes from start to finish and cost about $90.00 including fed and state.

Both accepted in 3 days and ACH transfers completed in a week.
by wilpat
Sat Mar 08, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: H&R block taxes
Replies: 8
Views: 621

Re: On shaving expenses

My electric razor cost me about $50.00 and I expect it to last 5 years or so. The electricity cost to run it runs about $.15 per year. so the total cost would be in the range of $.21 per month. :wink:
by wilpat
Sat Mar 08, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: On institutional versus admiral shares
Replies: 15
Views: 1233

Re: Retirees: About your retirement

I worked from age 14 (summers weekends holidays etc. during high school) until age 72. I retired because of some health problems. If I had my choice I would be go back work immediately. I cannot think of a dozen days in my 58 years of working that I did not get up looking forward to going to work. I...
by wilpat
Sat Mar 08, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 6009

Re: Mouse/Rat traps

The early bird gets the worm, but the second mouse gets the food :happy
by wilpat
Fri Mar 07, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 2046

Re: Planning first trip to Oregon and Seattle - advice sough

Speaking of the weather in Seattle ( lived there many years ago) we always said that the summer 1965 was particularly nice because it came on a weekend!
by wilpat
Tue Mar 04, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 2116

Re: Planning first trip to Oregon and Seattle - advice sough

I must agree with those who mentioned the Columbia River gorge! Take the old highway and you will want to live there for the rest of your life!
by wilpat
Tue Mar 04, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 2116

Re: Bogleheads.org Home Page Updated

The new page looks great! It looked fine yesterday also, but it seems to read easier today.
Thank You for all of the attention you give to the members. :happy
by wilpat
Tue Mar 04, 2014 11:42 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 58168

Re: Amtrak across the US?

I took a train from Greensboro, NC to Ft. Myers, FL last year. The train stopped 32 times on the way down!
The first thing I did when I arrived was to get on-line and buy a plane ticket back!
by wilpat
Mon Mar 03, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Amtrak across the US?
Replies: 38
Views: 3225

Re: [POLL] What do Bogleheads DRINK?

25 Years ago my answer would have been different. I quit coffee, liquor and tobacco all the same day on my 50th birthday.
I was in the hospital (intensive care) and they don't usually let you drink and smoke there.
It was surprisingly easy to give all that stuff up!
by wilpat
Mon Mar 03, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 71
Views: 4476

Re: Does Medicare cover annual physical exam?

Kind of a grey area here. I believe Medicare now covers a colonoscopy once every 10 years, but it apparently covers more frequently based on Drs. orders. I've had three within less than 10 years. After the first routine one, the Dr. wanted me to have another just 3 years later - no specific reason ...
by wilpat
Sun Mar 02, 2014 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Medicare cover annual physical exam?
Replies: 20
Views: 1309

Re: How do I attach a statement when filing electronically?

I would submit it without any attachment. If they need it they can ask.
by wilpat
Thu Feb 27, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I attach a statement when filing electronically?
Replies: 29
Views: 1965
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