Search found 966 matches

by OAG
Sat Feb 06, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5351

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

About 150% (COLA'ed Pension & SS). Plan to start live gifting program soon. Single with well to do children.
by OAG
Mon Feb 01, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: which one is the best antivirus internet security
Replies: 11
Views: 1068

Re: which one is the best antivirus internet security

Toons wrote:Windows Defender(Win 10) works fine. :happy


Ditto & +1 (Windows Defender in Window 10 seems to be updated several times a day lately).
by OAG
Sun Jan 24, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: penalties for early closing of CDs
Replies: 12
Views: 814

Re: penalties for early closing of CDs

I have taken the RMD on an Annual Basis but now take it as monthly transfers from CD to Checking. They ALWAYS have and will take it from the lowest interest paying CD. If it exhausts that CD they close it an move to the next lowest. Been doing that for 8 years now. Never has any form of EWP or other...
by OAG
Sun Jan 24, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: quicken 2016 upgrade DONT!
Replies: 15
Views: 1337

Re: quicken 2016 upgrade DONT!

There are 4 Updates to Quicken 2016. Not sure they will actually help the problem but who knows?
by OAG
Mon Dec 28, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with no money down
Replies: 77
Views: 5857

Re: Buying a house with no money down

Go VA Loan if you can qualify. Many are with no money down AND no PMI. Just scanned this thread so may have already missed the suggestion.
by OAG
Wed Dec 23, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: My PDF problem
Replies: 12
Views: 1341

Re: My PDF problem

May want to try the Windows Reader downloaded as an App. Change default reader to that. Seems to work well for me at least, I too did not like ARDC.
by OAG
Sat Dec 12, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: New Laptop -- Christmas present for me
Replies: 53
Views: 4640

Re: New Laptop -- Christmas present for me

I have a xps13 and like it. Right now that is my second choice. Because the xps13 has such a thin bezel, it puts its front facing webcam in the lower corner instead of the more normal center top. This may not matter but if you do skype or other video calls, your front camera may pickup your bottom ...
by OAG
Fri Dec 04, 2015 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 5% gas cash back card
Replies: 20
Views: 1901

Re: Penfed 5% gas cash back card

Please Delete Error in posting.
by OAG
Thu Nov 19, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity for Father-in-Law?
Replies: 14
Views: 1241

Re: Annuity for Father-in-Law?

Isn't he already in RMD land? I believe for a 100K T-IRA balance he is already drawing about $4K per year ($333 a month). What would a Annuity gained for him ($17 a month). Glad to see he decided for forget the annuity.
by OAG
Sun Nov 01, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: FDIC insurance limit increase with multiple PoD accounts (CDs+savings)
Replies: 29
Views: 2684

Re: FDIC insurance limit increase with multiple PoD accounts

If I understand correctly, the FDIC insurance coverage doesn't increase if you add one beneficiary to a PoD account. You have to have two beneficiaries for that account to increase it from $250k to $500k coverage, is that correct? Yes. If the Ben are People that are Alive. Yes I have several CD's w...
by OAG
Sun Nov 01, 2015 11:01 am
Forum: Investing - Theory, News & General
Topic: Question on breaking a CD
Replies: 23
Views: 1714

Re: Question on breaking a CD

Coles wrote:PenFed is well known for having an EWP that does not eat into principal under any circumstances. That is not common.


Not any more go look at the changes they recently made to ALL EWP's on CD's.
by OAG
Fri Oct 30, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: What to do with maturing CDs?
Replies: 56
Views: 5553

Re: What to do with maturing CDs?

Been buying CD's for about 40 years (IRA, Regular and relatively ROTH CD's) primary at NFCU & PenFed (a few from Capital One too). Last GOOD CD was 5% APY at PenFed on 1/1/11 for a 10 year CD. Used a then unused HELOC (2.75%) to purchase that CD for $100K (best recent move on CD's) and paid off ...
by OAG
Tue Oct 20, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Suspend (and Repay) SS Benefits ?
Replies: 28
Views: 2357

Re: Suspend (and Repay) SS Benefits ?

Be careful to weigh the changes that may occur in your MEDICARE Premiums. The increase could negate some of the financial benefit of higher gross benefits. Normalization may not occur as my understanding such action is dependent on future unknown(s).
by OAG
Thu Oct 15, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; "Should I stay or should I go now?"
Replies: 39
Views: 3831

Re: Military Retirement; "Should I stay or should I go now?"

Left as soon as I could. As it was I had to stay for 21 years due to a Promotion Lock-In. I "retired" at 38 years old. Joined when I was 17 and left as a CW4 (CW5 had not come to light yet). Glad I did and I had 4 kids at the time. To each his own but I and the family was tired of the move...
by OAG
Wed Oct 14, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: [All weather car mats]
Replies: 59
Views: 3364

Re: All weather car mats

Weather Tech in my past Lexus and Mercedes. Worked well. Just as an aside I ordered another WT product on this Monday and it Arrives Today via FedX. Really quick service IMO.
by OAG
Fri Sep 18, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Money transfers to individuals
Replies: 12
Views: 837

Re: Money transfers to individuals

NFCU has a free system to transfer $$ to other members (transactions are account to account (A2A) transfers).
by OAG
Fri Sep 18, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Year projected thresholds
Replies: 2
Views: 723

Re: 2016 Tax Year projected thresholds

Thanks - I can "tweak" the SS now.
by OAG
Fri Sep 11, 2015 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Spreadsheet to show how taxable SS benefits will affect you
Replies: 102
Views: 10949

Re: Spreadsheet to show how the taxable SS benefits will affect you

Great work Papageek. Anyone approaching the point they will be taking SS should study this well (actually would be better to do that long before that time) and get a understanding of the mathematics at play. There is another thing most do not consider which is regarding MEDICARE premiums - where AGI...
by OAG
Thu Sep 10, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: Replacing tires. Should I also replace Tire Pressure Sensors? (2008 model year Honda)
Replies: 25
Views: 2513

Re: Replacing tires. Should I also replace Tire Pressure Sensors? (2008 model year Honda)

I would not. I don't know how old you are, but many of us would be very comfortable checking air pressure periodically ourselves. If you go this route, continue until the current ones fail (Mine were working when I traded a ten year old automobile) and then have the light indicating a tire is low t...
by OAG
Thu Aug 20, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: Windows 10 - Calendar does not pop up
Replies: 14
Views: 2561

Re: Windows 10 - Calendar does not pop up

In Windows 10: Click Notifications THEN System (Upper Left Usually) THEN Notifications & Actions THEN Select Turn system icons on or off - Clock should be the top selection to be turned on or off.
by OAG
Wed Aug 19, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: New construction final walk-through
Replies: 12
Views: 1436

Re: New construction final walk-through

Level, Tape Measure, Square, Electric Line Tester (Plugs into electric plugs - read the outside of the tester to see what to look for). This small kit you may already have or can be picked up cheap at HD/Lowes. Of course you have to know the way things should be - not everything should be level (gar...
by OAG
Mon Aug 17, 2015 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance coverage query
Replies: 6
Views: 501

Re: Home insurance coverage query

The house was bought for $260K couple of years ago. It is condominium/townhouse (It share walls with my neighbors). I dont know wether it is combined value of land & house. The belongings in house are basic (family of 3) I wonder shouldnt the mortgage company also review my insurance as it is l...
by OAG
Wed Jul 29, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 4098

Re: Retirees: Social Security and Expenses

Toons wrote:100% with money left over :happy


+1
by OAG
Wed Jul 22, 2015 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone had experience with missingmoney.com?
Replies: 21
Views: 2607

Re: Has anyone had experience with missingmoney.com?

I found $500+ from an old Insurance Policy from a deceased parent. State of Illinois Site and it was simple. Downloaded a form, filled it out, got it notarized, mailed it in (yes USPS First Class), about a month later received a Check. I do not understand how people get all "bent around the axl...
by OAG
Sat Jul 04, 2015 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed ACH limits
Replies: 8
Views: 1758

Re: Penfed ACH limits

I know it is not applicable in this instance due to the low dollar value but for future reference. You can possibly get around that by initiating a ACH PULL rather than a PUSH. I get around both PFCU and NFCU transfer limits that way. Example: PULLED $60K + from NFCU who have a $2K per day limitto C...
by OAG
Mon Jun 29, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2791

Re: Upgrading to Windows 10?

OP you will have to upgrade to 8.1 OR you can just put the Insider Preview Version of Windows 10 on your Computer now, join the insider web site and stand by for Windows 10 Retail Version which will load automatically at 7/29 or so. You will also be able to DL a full version of the Retail Version of...
by OAG
Mon Jun 29, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 3791

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

Probably not a good way to do this but... I had a 32 inch Sony very large and heavy TV. Could not find anyone that wanted it or anyone that would pick it up. It was located in the Basement Rec Room. What I did was move the thing to the utility area of the basement - the thing weighed about 200 pound...
by OAG
Sun Jun 14, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: New Floors
Replies: 15
Views: 2732

Re: New Floors

BAM! wrote:anyone happy with strand woven bamboo? (or unhappy)


I did a high traffic floor in this material 2 years ago. Very happy with it. It was installed over a wood floor using the US Floor recommended (warrantied) method. Product was made by a company called US Floors and purchased at Lowes.
by OAG
Sun Jun 14, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Unwise to keep funds at one bank?
Replies: 32
Views: 4181

Re: Unwise to keep funds at one bank?

I keep several bank accounts. I move money around to keep surplus cash at the highest rate I can get. For a couple the maximum FDIC insurance protection per bank is now $500k, which is substantial. Actually can be more than that if you use multiple living beneficiaries. I have $750K coverage on a c...
by OAG
Thu May 28, 2015 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Just Received 2014 Form 5498 from Vanguard
Replies: 6
Views: 1336

Re: Just Received 2014 Form 5498 from Vanguard

It has informational value to those taking RMD's (the TIRA Form) as the value shown is the December 31 value of the T-IRA balance from which your current year RMD is calculated. If one reads the form you will see on the bottom of them that is to be kept "(Keep) for your records." and says ...
by OAG
Tue May 26, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Transition from Windows to IOS
Replies: 6
Views: 486

Re: Transition from Windows to IOS

Before you confuse anybody or yourself, please note that iOS is Apple's mobile operating system for the likes of the iPhone, iPad, and iPod Touch. Their laptop/desktop (Mac line) OS is OS X. Microsoft Office, Quicken, and many common applications have been available on OS X for years, if you want t...
by OAG
Tue May 26, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: Transition from Windows to IOS
Replies: 6
Views: 486

Re: Transition from Windows to IOS

Before you confuse anybody or yourself, please note that iOS is Apple's mobile operating system for the likes of the iPhone, iPad, and iPod Touch. Their laptop/desktop (Mac line) OS is OS X. Microsoft Office, Quicken, and many common applications have been available on OS X for years, if you want t...
by OAG
Tue May 26, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Transition from Windows to IOS
Replies: 6
Views: 486

Transition from Windows to IOS

Anyone recently made the transition from a Windows Laptop (actually a large heavy DTR) to a Mac Book Pro 15" Notebook? Would be interested in hearing the experience points especially from Windows Excel and Windows Quicken to the OSX equivalents. I have several years of data files which I would ...
by OAG
Tue May 26, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Which online banks accept incoming wires (and are generally good).
Replies: 19
Views: 1727

Re: Which online banks accept incoming wires (and are generally good).

NFCU (I know another CU) accepts them. Real time experience: I closed on a Home Sale at 4 PM last Friday. Proceeds were sent to NFCU via Wire and by 6:30 PM Friday the money was in my MMA and AVAILABLE for use. I did a ACH with about $50K of the proceeds out to another financial institution that sam...
by OAG
Sun May 24, 2015 5:08 pm
Forum: Personal Consumer Issues
Topic: Home Remodel: Lowe's or Other Local Contractors?
Replies: 19
Views: 2879

Re: Home Remodel: Lowe's or Other Local Contractors?

Had Lowe's do some hard wood flooring for me in 2014. Very satisfied with the install and it went very quickly. Lowe's gave me the Military 10% discount on the materials. They did not discount the install part since it was done by a independent contractor they provided (Ohio). Very convenient as Low...
by OAG
Sun May 24, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 47
Views: 13940

Re: 2 million dollar mistake meeting with MIL's financial guy

Wonder what he is doing regarding/to OP's MIL?
by OAG
Thu Apr 30, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Condo What to do with proceeds.
Replies: 3
Views: 329

Selling Condo What to do with proceeds.

Will be selling property soon. Will realize approximately $300K (no mortgage to pay off). Do not have any pressing needs for these funds and could live rest of life without them (have pension/SS and other savings and no DW just older kids and GK). What would you do with the money (maybe just send to...
by OAG
Sat Apr 25, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 4178

Re: How much should a small tile floor (3' X 5') cost? $2000

A cheap tile for a 3'x5' area will cost you a grand total of $15. A 4x8 section of plywood and a single piece of 3'x5' 1/4" backerboard will cost you under $50 (tile shouldn't be directly on plywood unless you don't mind if it breaks up, there are other solutions besides backerboard but I'm no...
by OAG
Thu Mar 26, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Military SBP--Gotta make the decision soon
Replies: 12
Views: 2323

Re: Military SBP--Gotta make the decision soon

I retired in 1979 @ 20 yr. Tough decision but declined SBP. Instead, invested the expected SBP payment and combined it with a 20yr civilian job 401K. My neighbor, an Lt Col, did choose SBP and sadly his wife passed about a year ago. I Retired from the Army in 79 to @ 21 yr. Took the minimum for SBP...
by OAG
Wed Mar 18, 2015 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: 15 yr cd, would you?
Replies: 17
Views: 2225

Re: 15 yr cd, would you?

Based on this thread , Navy Federal Credit Union, pays 2.25% + 0.5% = 2.75% for a 7-year CD. Victoria They also offer a "special" 30 month certificate at 2.25%, min. deposit 10k, no max. I don't know if the .5% coupon is available for this offer, but if it is, and if EWP is generous, that...
by OAG
Mon Feb 23, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for how to help a grieving FIL with daily finances
Replies: 16
Views: 1970

Re: Advice for how to help a grieving FIL with daily finance

Thanks everyone for the suggestions, I don't have time to respond individually.. I very much like the suggestion of paying the bills for a year in advance, and I think he would think that was a good idea. I'm thinking that my wife and I can do that even without any POA, using our own funds. I'm sur...
by OAG
Tue Feb 17, 2015 5:47 pm
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 7792

Re: A Special Message From Social Security--NOT!

I got it and I already have the referenced SSA Account. Did log on using my usual data and it was fine. Showed my exact benefit payments and Profile was correct in every aspect. If I needed duplicate or replacement SSA Tax Documents the Tab was there. Just my opinion but everything looked legitimate.
by OAG
Thu Feb 12, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Insurance Quote (Wisconsin)
Replies: 11
Views: 870

Re: Condo Insurance Quote (Wisconsin)

I had this problem several years ago. Long time USAA member and their price was really high. Having come from a single family home (non-condo) the price was right in line with the single family home rate. I asked them if they had considered the Condo Master Policy coverage and they had not but when ...
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: 3381

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
Wed Nov 19, 2014 10:06 am
Forum: Personal Finance (Not Investing)
Topic: lock-up for 20 years [20 year CD]
Replies: 21
Views: 3080

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
Mon Nov 17, 2014 11:44 am
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 2775

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 10:49 am
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 7178

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
Thu Nov 13, 2014 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 5010

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
Wed Nov 05, 2014 10:28 am
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 5572

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.

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