| Author |
Message |
Topic: Buy SPIA or Pay Back SS and Recieve Higher Monthly Payout? |
OAG
Replies: 12
Views: 642
|
Forum: Personal Finance (Not Investing) Posted: Wed Nov 18, 2009 6:56 am Subject: Buy SPIA or Pay Back SS and Recieve Higher Monthly Payout? |
| I (We) did it recently. Started SS benefits at 62 then repaid at 67.5 and restarted from that point. The use of the money from 62-67.5 (earnings on it or just the use of it) along with the refund of t ... |
Topic: USAA Membership |
OAG
Replies: 59
Views: 4497
|
Forum: Personal Finance (Not Investing) Posted: Tue Nov 17, 2009 10:13 am Subject: USAA Membership |
| Current/former Officers and senior NCO's still qualify to get a "rebate" on all of their insurance products which can amount to hundreds of dollars a year depending on USAA yearly claims ... |
Topic: For Bogleheads on Medicare [mymedicare.gov] |
OAG
Replies: 13
Views: 1197
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Mon Nov 16, 2009 12:13 pm Subject: For Bogleheads on Medicare [mymedicare.gov] |
I would suggest you try again, assuming you want access, as, in the past, I have screwed up our access and had to reapply. Except for the wait for a new Temporary Password to arrive by regular mail, ... |
Topic: For Bogleheads on Medicare [mymedicare.gov] |
OAG
Replies: 13
Views: 1197
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Mon Nov 16, 2009 6:07 am Subject: For Bogleheads on Medicare [mymedicare.gov] |
| I tried the site, but I can't log in. I tried to register, but it seems I was automatically registered by Medicare, and I must log in with whatever password was assigned. I have no idea what that is, ... |
Topic: considering repaying social security |
OAG
Replies: 12
Views: 1047
|
Forum: Investing - Theory, News & General Posted: Mon Nov 16, 2009 5:59 am Subject: considering repaying social security |
| Wow that is really way beyond the time I would think he could pay it back but, I am far from being an expert on this stuff. I originally received SS at 62 but then paid it back at 67.5, and restarted ... |
Topic: Frontline program on credt cards |
OAG
Replies: 28
Views: 1650
|
Forum: Personal Finance (Not Investing) Posted: Sun Nov 15, 2009 10:15 am Subject: Frontline program on credt cards |
...
Strange that the only people that complain are those that did "apply" and IMO abuse them that are screaming for some sort of "protection" or "cancellation" of th ... |
Topic: USAA Membership |
OAG
Replies: 59
Views: 4497
|
Forum: Personal Finance (Not Investing) Posted: Sun Nov 15, 2009 6:53 am Subject: USAA Membership |
For those that say USAA is higher in rates than their current carrier. If they are higher, why would you switch - what does USAA provide, beyond insurance, that is the draw?
I would suggest however ... |
Topic: Frontline program on credt cards |
OAG
Replies: 28
Views: 1650
|
Forum: Personal Finance (Not Investing) Posted: Sun Nov 15, 2009 6:38 am Subject: Frontline program on credt cards |
| I am old enough to remember "life without credit cards". Back then it was mostly the store cards (guess you could argue they are also credit cards) that got you to buy stuff you could not pa ... |
Topic: Getting 1099-DIV forms for closed accounts? |
OAG
Replies: 5
Views: 319
|
Forum: Investing - Help with Personal Investments Posted: Sun Nov 15, 2009 6:21 am Subject: Getting 1099-DIV forms for closed accounts? |
Now that you mention IRA. You should get a IRS Form 5498 for the IRA's.
Of course you know that if you do not get a 1099 you are still responsible, if appropriate, for any taxes involved? That is u ... |
Topic: Maintain old car or buy new car? |
OAG
Replies: 48
Views: 3551
|
Forum: Personal Finance (Not Investing) Posted: Mon Nov 09, 2009 4:26 pm Subject: Maintain old car or buy new car? |
Your need for reliability should count for a lot. I've been keeping cars for about 10 years, because that's when I begin to think they have a chance of leaving me stranded.
Now that I'm 65 I've dec ... |
Topic: Will the termites return? |
OAG
Replies: 18
Views: 3038
|
Forum: Personal Finance (Not Investing) Posted: Sun Nov 08, 2009 5:20 pm Subject: Will the termites return? |
We lived in Florida for 19 years and the termite problems we had were minor but we did have them. Used the Sentricon (sp) method and
Termidor along with the traditional builder applied method. We al ... |
Topic: USAA Membership |
OAG
Replies: 59
Views: 4497
|
Forum: Personal Finance (Not Investing) Posted: Sat Nov 07, 2009 6:50 am Subject: USAA Membership |
Is there an annual membership fee? I couldn't tell from the web site.
No. |
Topic: Firefox shows CPU Usage at 100% in Task Manager? |
OAG
Replies: 20
Views: 2045
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Wed Nov 04, 2009 3:18 pm Subject: Firefox shows CPU Usage at 100% in Task Manager? |
| There is a Beta of FF available now. Version 3.6 Beta 1 (Google or Bing "Firefox 3.6 Beta 1"). I am running it right now and the CPU usage is about 1-2% and Memory usage is about 1.17GB. I ... |
Topic: Microsoft Money being discontinued |
OAG
Replies: 102
Views: 13378
|
Forum: Personal Finance (Not Investing) Posted: Wed Nov 04, 2009 8:02 am Subject: Microsoft Money being discontinued |
| I too was a Money User. Started back when it was still in beta. I purchased Q2009, tried it, did not like it, returned for a refund. When Q2010 came out I bought it, tried it, still did not like it, b ... |
Topic: Building Home vs. Buying Home |
OAG
Replies: 19
Views: 1274
|
Forum: Personal Finance (Not Investing) Posted: Sun Nov 01, 2009 9:30 am Subject: Building Home vs. Buying Home |
Thanks for all the feedback so far. Seems like more negatives than positives so far. Although I suppose a lot of this depends on the quality & reliability of the builder.
Put me in the " ... |
Topic: Laptop computer advice |
OAG
Replies: 133
Views: 7549
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Sat Oct 31, 2009 3:08 pm Subject: Laptop computer advice |
| I have some software that is older than 2 years and it works fine with Win7 64 bit. Generally speaking almost anything that worked with XP or VISTA will work with W7 (BTW the W7 Pro version has an XP ... |
Topic: printers and fax forms |
OAG
Replies: 5
Views: 512
|
Forum: Personal Finance (Not Investing) Posted: Sat Oct 31, 2009 2:55 pm Subject: printers and fax forms |
| I suspect the IRS went COM (Computer output to Microfiche) many years ago. We were doing that with Military Records in the late 70's. |
Topic: Laptop Battery |
OAG
Replies: 18
Views: 1107
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Sat Oct 31, 2009 6:46 am Subject: Laptop Battery |
| I have been using a DELL XPS 1330 with the larger battery for about 1.5 years usinge the original battery. Most of the time I use the NB plugged in and always leave the battery installed. I use is abo ... |
Topic: Laptop computer advice |
OAG
Replies: 133
Views: 7549
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Sat Oct 31, 2009 6:35 am Subject: Laptop computer advice |
OK friends, I think I've tentatively narrowed it down to three choices.
http://www.bestbuy.com/site/Asus+-+Laptop+with+Intel%26%23174%3B+Pentium%26%23174%3B+Processor+-+Midnight+Blue/9555992.p?id=1 ... |
Topic: Ally Bank |
OAG
Replies: 37
Views: 3139
|
Forum: Personal Finance (Not Investing) Posted: Sat Oct 31, 2009 6:19 am Subject: Ally Bank |
Here is a link to EDIE On-line (the FDIC's on-line Calculator): https://www2.fdic.gov/edie/index.html
You can get A LOT of insurance (either before or after 12/31/13) using different POD - Benefici ... |
Topic: CDs, IRAs and fees or charges |
OAG
Replies: 9
Views: 622
|
Forum: Investing - Help with Personal Investments Posted: Fri Oct 30, 2009 3:53 pm Subject: CDs, IRAs and fees or charges |
| Kind of late but maybe next time she should try a Credit Union (Pentagon Federal Credit Union comes to my mind). We have had IRA CD's there for a long time (at least 30 years) and have NEVER been char ... |
Topic: Windows 7 |
OAG
Replies: 87
Views: 6426
|
Forum: Personal Finance (Not Investing) Posted: Wed Oct 28, 2009 4:56 am Subject: Windows 7 |
| Lot of mis-information out there about not being able to go to 64 Bit with previous 32 Bit OS via UPGRADE Packages and having to UG to the corresponding versions to VISTA (ie, Ultimate to Ultimate). ... |
Topic: Windows 7 |
OAG
Replies: 87
Views: 6426
|
Forum: Personal Finance (Not Investing) Posted: Tue Oct 27, 2009 1:08 pm Subject: Windows 7 |
| Lot of mis-information out there about not being able to go to 64 Bit with previous 32 Bit OS via UPGRADE Packages and having to UG to the corresponding versions to VISTA (ie, Ultimate to Ultimate). ... |
Topic: Windows 7 |
OAG
Replies: 87
Views: 6426
|
Forum: Personal Finance (Not Investing) Posted: Tue Oct 27, 2009 6:15 am Subject: Windows 7 |
| I recently upgraded from Vista Business to Windows 7 Professional. The process was smooth. I had to reinstall my Symantec antivirus because the version I had was not supported on the new OS. This was ... |
Topic: Windows 7 |
OAG
Replies: 87
Views: 6426
|
Forum: Personal Finance (Not Investing) Posted: Tue Oct 27, 2009 6:06 am Subject: Windows 7 |
| I have UPGRADED to Windows 7 on two computers; a laptop and a desktop. These were upgrade versions (ordered during the "half price" window; which BTW really worked ($149 for both Pro and Hom ... |
Topic: Risky On-line SS Retirement Benefit Application |
OAG
Replies: 18
Views: 1270
|
Forum: Personal Finance (Not Investing) Posted: Sun Oct 25, 2009 4:52 pm Subject: Risky On-line SS Retirement Benefit Application |
| In so far as how far they (SS) can go back on awarding benefits it is up to SIX MONTHS as long as you would be or are beyond your full SS retirement age. I withdrew my SS application in 2007 (origina ... |
Topic: Any military folks on here making a career or retired |
OAG
Replies: 46
Views: 3061
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Wed Oct 21, 2009 6:18 am Subject: Any military folks on here making a career or retired |
| More or less a different generation, since I retired at age 38 after 21+ years of Army service. Entered in 1958 as a fresh E-1. Retired as a CW4. Received a HS GED (I dropped out of HS in the 9th Grad ... |
Topic: CD strategy article |
OAG
Replies: 36
Views: 4060
|
Forum: Investing - Theory, News & General Posted: Fri Oct 09, 2009 2:14 pm Subject: CD strategy article |
| I have been using FDIC/NCUA Insured CD's for over 30 years (mostly at Pentagon FCU and Capital One Bank, but also at Navy FCU an another Florida CU). I have always purchased the longest terms with the ... |
Topic: CD strategy article |
OAG
Replies: 36
Views: 4060
|
Forum: Investing - Theory, News & General Posted: Fri Oct 09, 2009 2:13 pm Subject: CD strategy article |
| Duplicate Post. |
Topic: Win XP support extended to 2014 |
OAG
Replies: 25
Views: 2500
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Thu Oct 08, 2009 4:26 pm Subject: Win XP support extended to 2014 |
There's another side to this.
I have suffered through Vista for 2 miserable years and did not downgrade to XP specifically because of the publicly announced deadline on support.
Just curious, wh ... |
Topic: Medicare Scheduling |
OAG
Replies: 8
Views: 812
|
Forum: Personal Finance (Not Investing) Posted: Thu Oct 08, 2009 4:20 pm Subject: Medicare Scheduling |
| Jim......thanks for your input. Was this your medical provider who was acting as the traffic cop? The Medicare book says simply once every 12mos......no FULL calendar yr. Someone I think once tol ... |
Topic: Medicare Scheduling |
OAG
Replies: 8
Views: 812
|
Forum: Personal Finance (Not Investing) Posted: Thu Oct 08, 2009 4:17 pm Subject: Medicare Scheduling |
| Go to Medicare.gov and sign up for on-line access. When you establish an access you can just to the your personal start page and it will have the date of the last examination, the limits, and from tha ... |
Topic: What has happened to your RMD? |
OAG
Replies: 17
Views: 1386
|
Forum: Investing - Theory, News & General Posted: Mon Oct 05, 2009 3:23 pm Subject: What has happened to your RMD? |
| Wife took SS at 62 years old, I took SS at 67.5 years old. Wife took first RMD in 2008 (opted to not take the RMD in 2009 and, of course, will resume in 2010). My RMD will begin in 2011. Our plans are ... |
Topic: Getting Rid of Cable??? |
OAG
Replies: 158
Views: 12897
|
Forum: Personal Finance (Not Investing) Posted: Sun Oct 04, 2009 11:00 am Subject: Getting Rid of Cable??? |
| Time Warner Basic Cable TV and HS Internet $51.85 a month (taxes included). We "downgraded" almost a year ago from the TV/HSI and Phone. Found we could do F&F Verizon (hand me down phone ... |
Topic: Does TurboTax do this . . . ? |
OAG
Replies: 2
Views: 512
|
Forum: Personal Finance (Not Investing) Posted: Fri Oct 02, 2009 4:21 pm Subject: Re: Does TurboTax do this . . . ? |
| Despite the fact that it's ultimately my responsibility to figure it out, whatever version of TaxCut I have for 2008 did not remind me to contribute up to X amount to an IRA for 2008. It simply asked ... |
Topic: My mother is all in cash |
OAG
Replies: 19
Views: 3558
|
Forum: Investing - Help with Personal Investments Posted: Sun Sep 27, 2009 5:19 pm Subject: My mother is all in cash |
| I don't hear this talked about much, but people who've been living on interest from MMs and CDs have taken a tremendous pay cut. I remember when my father, who retired in the late 1970s, had to cope ... |
Topic: Parents and Children [the OP is spammer - fyi] |
OAG
Replies: 10
Views: 1136
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Sun Sep 27, 2009 6:45 am Subject: Parents and Children [the OP is spammer - fyi] |
| All good advice. However, I will venture to state that there are different styles that apply for different times. When kids are small they need a bit (some more than others) of discipline while at la ... |
Topic: turning off water/water heater when away from home?? |
OAG
Replies: 33
Views: 3052
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Sun Sep 27, 2009 6:36 am Subject: turning off water/water heater when away from home?? |
"If you have a sump pump, make sure you don't turn off the power to that."
And consider a Battery Backed up Sump Pump (which piggybacks on the current AC one). Lowes and HD have them - ... |
Topic: Windows Internet Explorer 7 is Faster than Firefox 3.5 |
OAG
Replies: 36
Views: 2672
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Sun Sep 27, 2009 6:28 am Subject: Windows Internet Explorer 7 is Faster than Firefox 3.5 |
[quote="ElJay"]Windows 7 allows a person to disable Internet Explorer 8. The components have to remain since the OS and other software depend on them.[/quote
FYI: http://www.winsupersite. ... |
Topic: My Laptop was Attacked by Virus |
OAG
Replies: 5
Views: 1011
|
Forum: Personal Finance (Not Investing) Posted: Sat Sep 26, 2009 3:44 pm Subject: My Laptop was Attacked by Virus |
| Could try something like MalwareBytes if you wanted to have a second check. (www.malwarebuytes.com) |
Topic: Windows Internet Explorer 7 is Faster than Firefox 3.5 |
OAG
Replies: 36
Views: 2672
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Sat Sep 26, 2009 3:40 pm Subject: Windows Internet Explorer 7 is Faster than Firefox 3.5 |
| In less than a month W7 will hit the streets. The first MS Windows OS that will actually allow you to completely uninstall IE (a first for MS). It is too bad we cannot do that with XP or Vista. |
Topic: My mother is all in cash |
OAG
Replies: 19
Views: 3558
|
Forum: Investing - Help with Personal Investments Posted: Fri Sep 25, 2009 4:59 pm Subject: My mother is all in cash |
| Depending on when she needs the use of the money, amount involved and percentage she is withdrawing I would suggest NCUA or FDIC insured CD's. A very good place is PFCU (Pentagon Federal Credit Union) ... |
Topic: Get $150 to open a checking account |
OAG
Replies: 21
Views: 2486
|
Forum: Personal Finance (Not Investing) Posted: Fri Sep 25, 2009 6:02 am Subject: Get $150 to open a checking account |
| Did it with chase. No need to use the debit card at all. $150 free IMO. Also got $30 credit for getting a Chase/Quicken VISA Card - Used once, paid off and now committed to the archives. |
Topic: Should parents pay their kids' college tuition? |
OAG
Replies: 79
Views: 5576
|
Forum: Personal Finance (Not Investing) Posted: Mon Sep 21, 2009 6:28 am Subject: Should parents pay their kids' college tuition? |
| This is like the "pay off the mortgage or not" question. Personally, 4 kids, one went to service academy (full scholarship) now is a retired Navy 06 (26 years AD), one went ROTC Scholarship ... |
Topic: Condensation on new window |
OAG
Replies: 9
Views: 985
|
Forum: Lounge - Consumer, Leisure, and General Interest Posted: Sun Sep 20, 2009 2:01 pm Subject: Condensation on new window |
| If you are positive it is on the outside and not between panes then the window is doing it's job. Condensation on the outside happens because the outside surface is colder than the air. The better t ... |
Topic: In the middle of an IRS/SSA conflict |
OAG
Replies: 52
Views: 4863
|
Forum: Personal Finance (Not Investing) Posted: Sun Sep 20, 2009 6:49 am Subject: In the middle of an IRS/SSA conflict |
Consider contacting the Taxpayer Advocate Service.
should be a simple fix. (Silly me)
I concur. I did use the TAS in the past 4 months after trying to get something resolved for about 6 months. It ... |
Topic: USAA Bank wins again |
OAG
Replies: 23
Views: 2459
|
Forum: Personal Finance (Not Investing) Posted: Sat Sep 19, 2009 2:21 pm Subject: USAA Bank wins again |
| PFCU (Pentagon Federal Credit Union), which, if not other wise qualified, can be joined through membership in an organization mentioned on the website. They have something called "home banking&qu ... |
Topic: USAA Bank wins again |
OAG
Replies: 23
Views: 2459
|
Forum: Personal Finance (Not Investing) Posted: Sat Sep 19, 2009 2:21 pm Subject: USAA Bank wins again |
| PFCU (Pentagon Federal Credit Union), which, if not other wise qualified, can be joined through membership in an organization mentioned on the website. They have something called "home banking&qu ... |
Topic: Tax Act - Incorrect tax figured [turned out to be IRS error] |
OAG
Replies: 54
Views: 4773
|
Forum: Personal Finance (Not Investing) Posted: Sat Sep 19, 2009 8:19 am Subject: Tax Act - Incorrect tax figured [turned out to be IRS error] |
| Almost There: Based on your last response then, are we to assume that TAX ACT was correct and there was NOT a software problem? |
Topic: USAA Insurance Rates Up This Year |
OAG
Replies: 13
Views: 1346
|
Forum: Personal Finance (Not Investing) Posted: Sat Sep 19, 2009 7:59 am Subject: USAA Insurance Rates Up This Year |
| Must not be the norm, but our Condo Policy (renewed this month) actually went DOWN about 10% (no changes in coverage). Additionally, we are thinking of buying a new car which is substantially (like 30 ... |
| |