Search found 977 matches

by OAG
Sat Apr 30, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: TOD/POD Administration Issues?
Replies: 2
Views: 232

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: 52
Views: 4384

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: 2170

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: 550

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: 855

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: 3688

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: 3688

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: 2421

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: 542

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: 416

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: 917

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: 5861

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: 1221

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: 867

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: 1519

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: 6104

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: 1414

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: 5032

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: 2005

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: 1311

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: 2869

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: 1888

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: 5813

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: 2448

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: 4078

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: 3562

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: 900

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: 740

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: 11654

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: 3407

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: 3307

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: 1464

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: 528

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: 4230

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: 2715

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: 1860

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: 2855

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: 4346

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: 2786

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: 4312

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: 1419

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: 512

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: 512

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: 512

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: 1884

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: 2968

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: 14100

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: 339

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: 4443

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...

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