Search found 1022 matches

by OAG
Wed Feb 22, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 35
Views: 1522

Re: Best fencing for a dog

I am 76 years old and have a almost 2 year old Miniture Double Golden Doodle. He goes almost everywhere with me. I invested a lot of money in early training for both him and I. I am impressed on how smart they are and most all have to ability to learn almost anything (within reason) and learn it qui...
by OAG
Mon Jan 16, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10675

Re: Why nobody understands importance of high-deductible insurance?

I have never had a high deductible policy. One question or concern I would have is getting the almost always much lower charges negotiated by insurance companies compared with "cash" prices. +1 The Cash or "Rack" costs can add up quick - but probably not exceed the "high-de...
by OAG
Tue Jan 10, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: I want to go to Alaska this summer - tell me what, why and when!
Replies: 18
Views: 1539

Re: I want to go to Alaska this summer - tell me what, why and when!

I did almost exactly what you are thinking of, about 12 years ago. My kids were a bit younger (~9 and 6 at that time, now 21 & 18). I believe this was one of our greatest fun vacations as a family - my kids still rank it as #1. Below is what I can remember (yes, I remember it this vividly!). 1....
by OAG
Fri Jan 06, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 57
Views: 4140

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

I'm not a fan of the fingerprint id for logins. I can change passwords, but, if for any reason now or in the future, my fingerprint is compromised, I can't change it ever. I can set several fingers of either hand into my iPhone 7 and if I screw up the fingerprint sign-in enough it will ask for my 6...
by OAG
Fri Jan 06, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Small fender bender - pay or use insurance?
Replies: 13
Views: 939

Re: Small fender bender - pay or use insurance?

You say he slid into the car in front of him. How is the other driver "at fault"? It appears your friend is at fault. In any event it seems to be a mute point right now as the other party filed a report with his insurance carrier who will soon be in contact with your friends carrier. If I ...
by OAG
Fri Jan 06, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Do I need to replace my desktop PC?
Replies: 27
Views: 2276

Re: Do I need to replace my desktop PC?

You are running Win7 and it is connected to the Internet (you said you do email on it). Don't know if it could be upgraded to Win10 or not (I have a DTR - Desktop Replacement) which is a Dell of about 2008 vintage that runs Win10 Pro just fine. I would try that first as Win7 may be more subject to &...
by OAG
Fri Jan 06, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Hearing aid problem (ReSound) - volume drops autonomously
Replies: 5
Views: 493

Re: Hearing aid problem (ReSound) - volume drops autonomously

I have Re Sound HA's (Linx 2 TS 62 STD RIC). Mine are relatively new and I use them with the ReSound "Smart" App in my iPhone. Mine also have "filters" that have to be replaced often (which I can do myself). Since they connect to the App via Bluetooth there are times when mine so...
by OAG
Wed Jan 04, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Measuring mileage on my wheelchair......
Replies: 7
Views: 752

Re: Measuring mileage on my wheelchair......

Built into IOS 10.2 on my iPhone has a "Health" App (Heart Symbol). Within it there is a Wheelchair function to measure distance. FYI my iPhone is a 7.
by OAG
Sat Dec 31, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Surprisingly good whole life policy?
Replies: 35
Views: 3005

Re: Surprisingly good whole life policy?

I have a older WL policy (purchased 37 years ago). It is small and is basically for future burial expenses. However I have not paid premiums for about the last 20 years as the returns pay them. The return rate is declared each year and generally have been in the 7-9% range. Sounds great but if you i...
by OAG
Sat Dec 24, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Should I Buy an IPhone 5S?
Replies: 36
Views: 3148

Re: Should I Buy an IPhone 5S?

Verizon has some Holiday deals on Smart Phones (Including 6 and 7's (all models)). Not sure about the SE. I got a 7 w/128 MB of Memory about a week ago without a trade in (sold my old 5c that I got two years ago on another Verizon FREE phone deal to Gazelle for $47.50). Verizon did not even want my ...
by OAG
Sat Dec 24, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Gift money form to help child buy a house.
Replies: 9
Views: 967

Re: Gift money form to help child buy a house.

As everyone more or less stated the Mortgage Company will have the precise form necessary. I would suggest the transfer of funds to the daughter be done in a single transaction and be sure you can document the transfer (say X$ from your MMA to her Checking or Savings account) as Mortgage Companies c...
by OAG
Sat Dec 24, 2016 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 8812

Re: Bought a house for 560k in 2007

Anybody notice this was a 10 year interest only loan taken out in 2007. To me it looks like he will face foreclosure in 2017 if he cannot pay off the loan in a very short period of time. Should sell quickly - frankly should already have sold as he is facing a possible distress sale in about a maximu...
by OAG
Sat Dec 17, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed CD
Replies: 3
Views: 896

Re: PenFed CD

If you do not already have an account there I believe you will have to call a CSR. BTW you did not ask but NFCU has a 17 month CD paying 2% APY (1.98% APR). If you go to Deposit Accounts site they have a way to join NFCU that heretofore was not known to many. You may want to research that.
by OAG
Sat Dec 17, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union CD early WD Penalties
Replies: 10
Views: 817

Re: Credit Union CD early WD Penalties

I do not think that EWP is typical at all (and it sounds like PENFED). I apologize if this seems blunt but that was the only question I saw in your (OP's) post.
by OAG
Wed Dec 14, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: What happens to social security benefits on death of spouse?
Replies: 24
Views: 3523

Re: What happens to social security benefits on death of spouse?

[/quote] My dad was paid s.S. On dec 2.. He died on Dec4th. SSA confirmed they will .not retrieve the 12/2 payment. I am not sure if the 12/2 payment was for Nov or Dec.[/quote] Not sure I understand your comment. But assuming your Dad did not actually get the funds on 12/2 his estate or Spouse shou...
by OAG
Mon Dec 05, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Hearing aids: best brands and where to get them?
Replies: 35
Views: 3030

Re: Hearing aids: best brands and where to get them?

Re Sound - Recent ones work through your IPhone and can be set using a IPhone App (Smart App by Resound). They also make a adapter that can be plugged into your TV and you can "pipe" to sound to the HA (and adjust the sound level). Not sure of cost as I get mine via the VA.
by OAG
Mon Nov 28, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 57
Views: 5721

Re: Why do reviewers love the Dell XPS 13 but users don't?

FWIW I had a 13 Dell but returned it since I felt it was too small for my uses. I then purchased the 15 inch model from Dell. Both were top of the line models (I7, SSD, Touch Screens, etc.). The 15 inch model fit my uses just fine although it had so many problems that dell replaced it twice. Now the...
by OAG
Sat Nov 26, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: Cowskin Leather Jackets
Replies: 12
Views: 1631

Re: Cowskin Leather Jackets

Maybe try Alpha Industries. http://www.alphaindustries.com. You may find what you want there. In my estimation they have one of the best return policies if it does not fit. Suggest one size up from what you think you need. I had to return a very nice jacket that and the return and replacement was ex...
by OAG
Thu Nov 24, 2016 7:35 pm
Forum: Personal Consumer Issues
Topic: Quicken 2017 special offer vs Amazon.
Replies: 11
Views: 2396

Re: Quicken 2017 special offer vs Amazon.

I run a display at 3840 X 2160 (Dell XPS 9550). With the 2016 version of Quicken (Deluxe) I had to install the Quicken.manifest.exe and the FixQuickenHiRes.reg hack to get the display to work well (main display problem seems to be in the Budget Part of QD 2016). Since installation of the 2017 versio...
by OAG
Sun Sep 11, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Delayed Financing on *condo* purchase - issues?
Replies: 9
Views: 859

Re: Delayed Financing on *condo* purchase - issues?

Not being FHA approved will impact on you or any subsequent buyer being able to get a reverse mortgage (under current law).
by OAG
Thu Sep 01, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Drowned IPhone
Replies: 28
Views: 2556

Re: Drowned IPhone

A friend actually dropped her relatively brand new iPhone 6 in the toilet a year or so ago and the overnight visit to a big bag of rice actually did work just fine.

Of course I believe Apple has a before the fact insurance policy for just such an occurrence.
by OAG
Thu Sep 01, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1193

Re: Windows 10 Update error

Suggestion: Uninstall the Program that will no longer fully work and then reinstall it. Be sure you "restart" your PC during (between each) process. Step 2 if the above step 1 does not work: Do step one but the go to the compatibility setting and set the program to an earlier version of W...
by OAG
Thu Sep 01, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1193

Re: Windows 10 Update error

Suggestion: Uninstall the Program that will no longer fully work and then reinstall it. Be sure you "restart" your PC during (between each) process. Step 2 if the above step 1 does not work: Do step one but the go to the compatibility setting and set the program to an earlier version of Wi...
by OAG
Tue Aug 23, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's worth more?
Replies: 28
Views: 2816

Re: What's worth more?

Don't ask me I had no choice. I had to take the COLA covered pension (a lot less than $40K) but since I took it at age 38 and am now almost 76 it has worked out well. I think if they gave me the $1MM back then it would be long gone by now. So if voluntary now I would take the pension (and assume it ...
by OAG
Sun Aug 21, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1206

Re: Calling all geeks ..... need help with my Laptop.

Booting to BIOS means pushing the F2 or F12 or F8 key right after hitting the ON button. Just in case you did not know that. If you can try printing what the BIOS says or writing it down. F12 may get you to the "Boot" screen which will list the sequence the computer is trying to boot to - ...
by OAG
Sun Aug 21, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: Porcelain tile...easy to clean?
Replies: 4
Views: 650

Re: Porcelain tile...easy to clean?

I would look at picking a tile where you can minimize grout lines and also make sure you have them sealed with a product that is the same color as the grout you choose. I agree porcelain tile may be to slippery for a dog and aggravate hip issues. +1 If you can find a somewhat textured tile that may...
by OAG
Sun Aug 21, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1206

Re: Calling all geeks ..... need help with my Laptop.

Hard to help without a LOT more information, such as: 1. What OS are your running to include version. 2. What brand and size of SSD. 3. BIOS type: Standard BIOS or UEFI. 4. How much Memory present in the laptop (4, 6, 8 etc.,). If you are running Windows 10 (any version) you may get quicker results ...
by OAG
Sun Aug 21, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 4421

Re: Recommend Ad Blockers

Ad Block Plus Extension on Windows 10 for EDGE (not sure about IE 11). So far it has blocked 9,127 Ads in the 3 days it has been running on my latest version of Windows 10 Pro (Version 1607 Build 14905).
by OAG
Wed Aug 17, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Should I get vision insurance?
Replies: 12
Views: 1130

Re: Should I get vision insurance?

Go and see the eye doctor the MD one. Glaucoma has no symptoms you can determine personally without a full examination. The impact is damage to your optic nerves and CANNOT be reversed but can be stopped at the current point of damage (more or less) with appropriate daily prescribed eye drops (under...
by OAG
Mon Jul 04, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Condo vs Townhouse Living
Replies: 35
Views: 4907

Re: Condo vs Townhouse Living

In a true Ranch Style Condos you usually don't have upper or lower neighbors. My last one did not and it was an end unit so I only had a neighbor on one side. The firewall between us was of 6 inch wide concrete and block construction from the basement to the attic. We never heard the neighbors. Insu...
by OAG
Wed Jun 01, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed - System is Temporarily Unavailable
Replies: 6
Views: 603

Re: Penfed - System is Temporarily Unavailable

Is anyone else experiencing problems accessing penfed.org? I tried logging in last week and didn't think much of it, but again today I'm receiving the error message below. I only receive the message after entering my username, so I'm curious if it is isolated to specific users or not. I have not ca...
by OAG
Fri May 20, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)
Replies: 123
Views: 13638

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?

This a tough thread. I live with a daughter and her family. DW of many years passed recently. I am 75ish. My SO is now a canine gift that occupies my days. I am not broke. I can only imagine how OP's Mother may feel but I can say she is blessed to have a family to help her. No one knows exactly how ...
by OAG
Wed May 18, 2016 9:28 pm
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 4964

Re: $750 repair or buy new [MacBook Pro]

The MacBook Pro is (long) overdue for a update and most believe it will get here by September at the latest (but who really knows). But when it does come out or even gets a release date the price of the 2015 models should fall pretty quickly. I know this does not help OP but it may be something to t...
by OAG
Wed May 18, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Hangs on Enter Password
Replies: 2
Views: 552

Re: Quicken Hangs on Enter Password

Have all of the "updates" been applied to that program? May want to google "Quicken Updates" (sorry I can't remember the link right now but that query should get you there). I believe there was a "fix" for something about passwords recently. Apply them if needed and the...
by OAG
Wed May 18, 2016 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawals
Replies: 14
Views: 1314

Re: Withdrawals

Seems like a (modified) Net Worth calculation would impact this "more" accurately.. For Example if Net Worth is $1,000,000 on Jan 1 of a year and then, if Net Worth is $950,000 on Dec 31 of the same year. would not the "withdrawal" be 5% for the year? Of course NW would have to c...
by OAG
Wed May 18, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC Insurance Question
Replies: 3
Views: 539

Re: FDIC Insurance Question

For FEDERALLY INSURED Credit Unions (NCUA) the insurance site is as follows:
http://www.mycreditunion.gov/estimator/ ... lator.html
Just in case someone was interested in credit unions.
by OAG
Tue May 17, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: Military retirement upcoming; suggested retirement location?
Replies: 19
Views: 3213

Re: Military retirement upcoming; suggested retirement locat

THIS SITE lists some exemptions for military pension income in certain states. http://www.cga.ct.gov/2005/rpt/2005-R-0131.htm IMO, I think you may like Florida. You need to look to SPECIFIC state income tax instructions. Listings such as this can be VERY error riddled. This listing specifically to ...
by OAG
Tue May 17, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: buying pet food online
Replies: 38
Views: 2354

Re: buying pet food online

May want to check out Chewy.Com. Good prices and have a few discount programs. (+1 to the poster just prior to me).
by OAG
Fri May 06, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Dark - Side Window Deflectors for Cars
Replies: 12
Views: 1227

Re: Dark - Side Window Deflectors for Cars

Thanks for the info Planning to buy the following from weather tech: Digifit front, rear and trunk mats Head light protection Front side window deflectors (rear seem to have problem of not sticking) Weather Tech deflectors are not attached with tape of glue they actually are inserted into the windo...
by OAG
Fri May 06, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Dark - Side Window Deflectors for Cars
Replies: 12
Views: 1227

Re: Dark - Side Window Deflectors for Cars

+1 WeatherTech. However they do not make them for ALL Makes AND Years of Vehicles.
by OAG
Fri May 06, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: Dark - Side Window Deflectors for Cars
Replies: 12
Views: 1227

Re: Dark - Side Window Deflectors for Cars

+1 WeatherTech.
by OAG
Thu May 05, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: Supporting parents and tax deductions
Replies: 5
Views: 768

Re: Supporting parents and tax deductions

Forget the SS payback thing - if they took benefits over a year ago it went away. :shock: :shock:
by OAG
Thu May 05, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 22
Views: 2325

Re: Anybody have success reducing memory overhead on windows computers?

Suggest you go to Windows 10 Forums (includes all Windows OS from XP (maybe even 3.1 for that matter) to 10) and look for the answer or post the question. (tenforums.com).
by OAG
Sat Apr 30, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: TOD/POD Administration Issues?
Replies: 2
Views: 408

Re: TOD/POD Administration Issues?

POD he gets the CASH penalty free..

Joint Owner he MAY be subject to early withdrawal penalties.

Either way it is simple (simplest) way to do it no taxes now reporting (could be liable for income taxes on a very small amount of interest earned between date of death and his exercise of redemption.
by OAG
Wed Apr 27, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: What to tell your child about Bill for tax preparation
Replies: 53
Views: 5882

Re: What to tell your child about Bill for tax preparation

I would suggest he watch for a sale on this year's TT or H&R Block (somehow I had trouble a few years ago with a cheap version of the other one- maybe my fault) and try to do this year's one just for practice. Then he could decide whether it is worth it or not for next year. I agree you can lea...
by OAG
Wed Apr 13, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a program that makes Gift Tax returns (709s) easy?
Replies: 9
Views: 3039

Re: Is there a program that makes Gift Tax returns (709s) easy?

Did my own for this year. First time and when I saw those instructions I was a bit intimidated (and I have an accounting degree). What I did was print out the form and instructions then using a pencil I "Xed" out what did not apply and did the form the same way. Really I was impressed as t...
by OAG
Sun Apr 10, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: Huntington Bank $200 promo
Replies: 4
Views: 743

Re: Huntington Bank $200 promo

Sep 15 the bonus was $300 - had to deposit $5K and leave it there for 6 months (if balance got below $5K there was a monthly fee). Not bad - 12% annualized interest (6% for 6 months).

They had a provision that you could not have had an account with them within the past 6 months.
by OAG
Sun Apr 10, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance that lets you make changes online?
Replies: 11
Views: 1255

Re: Auto Insurance that lets you make changes online?

Carson wrote:I believe you can do this through USAA.


True.

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