Search found 1003 matches

by OAG
Sun Sep 11, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Delayed Financing on *condo* purchase - issues?
Replies: 9
Views: 697

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: 2169

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: 1013

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: 1013

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: 2581

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: 1132

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: 569

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: 1132

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: 3919

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: 804

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: 4486

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: 555

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 2)
Replies: 101
Views: 9550

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: 4556

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: 382

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: 1198

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: 504

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: 3088

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: 1875

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: 1120

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: 1120

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: 1120

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: 745

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: 2169

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: 381

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: 5679

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: 2456

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: 649

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: 1112

Re: Auto Insurance that lets you make changes online?

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


True.
by OAG
Sat Mar 26, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Question: Should we sue the cable company?
Replies: 26
Views: 3978

Re: Question: Should we sue the cable company?

My Son when through this a couple of years ago. FWIW it was the Elect Company that screwed up and the problem was caused a long time ago but they took full responsibility. All was repaired (Flooring, Walls, Drive Way, etc) and it took a long time however they did occupy the home while the work was ...
by OAG
Sat Mar 26, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: Question: Should we sue the cable company?
Replies: 26
Views: 3978

Re: Question: Should we sue the cable company?

Duplicated - please delete.
by OAG
Sat Mar 26, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay more for USAA?
Replies: 23
Views: 2631

Re: Would you pay more for USAA?

Maybe I am not reading this clearly. I am assuming you would keep USAA for the Autos but switch to another company for HO Policy. As mentioned previously have you considered the Saver's Account impact AND the combined Auto?HO discount (discount for having both policies at USAA versus only one Policy...
by OAG
Thu Mar 17, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Withdraw from taxable account or pay early withdrawal on CD?
Replies: 7
Views: 638

Re: Withdraw from taxable account or pay early withdrawal on CD?

Have you considered taking a loan from the holder of the CD. Many will give you a loan at a interest rate of about 2% above what the CD is paying. In some cases there is no need to repay the "loan" until the CD matures. PENFED does this as does NFCU (Pentagon Federal CU & Navy Federal ...
by OAG
Tue Mar 15, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Banks which let you specify maturity options when opening CD
Replies: 4
Views: 510

Re: Banks which let you specify maturity options when opening CD

Not a bank but Pentagon FCU allows you to do that (designate current and future actions) and even move the money at maturity (and monthly dividend/Interest) to another bank or CU automatically (predesignated)..
by OAG
Thu Feb 18, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Have banks or CUs ever historically blocked early withdrawals from CDs?
Replies: 10
Views: 1002

Re: Have banks or CUs ever historically blocked early withdrawals from CDs?

Have never had money in a CD what I could not redeem early (and pay the EWP in most cases). Recently there have been a few instances of tightening of the EWP (example Pentagon FCU) and some requirements that the request be "in writing". There has been some recent changes in withdrawal of m...
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: 6545

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: 1353

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: 957

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: 1916

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: 6747

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: 1505

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: 5581

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: 2211

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: 1436

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: 3151

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: 2045

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: 6346

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: 2595

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).

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