Search found 1126 matches

by OAG
Sat Dec 07, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Social Security
Replies: 13
Views: 1455

Re: Considering Social Security

17 years later I am still waiting for the "cut". I am in IRMAA territory and pay taxes on 85% of it but no "CUT" yet; maybe next year.
by OAG
Sat Dec 07, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA 2019 Now Live
Replies: 3
Views: 481

Re: FreeTaxUSA 2019 Now Live

Been using since 2016 Federal Return. Works just fine for me. Already did the 2019 return (preliminary) and will just have to make minor adjustments before filing in January. Free is good (I don't use it for State).
by OAG
Sat Dec 07, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: "Collecting" Social Security Six Times Over Today, Makes Me Wonder
Replies: 18
Views: 3156

Re: "Collecting" Social Security Six Times Over Today, Makes Me Wonder

I received the "check your account" message twice one on day X and one on day X+1. Information on my benefits increase was on the account and correct the first time. In my opinion it is no big deal. However in OP's case that is a lot of unnecessary email's. Wonder what happens if you "spam" any new ...
by OAG
Thu Nov 21, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA income level for 2020
Replies: 10
Views: 1416

Re: IRMAA income level for 2020

Medicare.gov Information on 2020 IRMAA Numbers here: https://www.medicare.gov/your-medicare- ... rt-b-costs
by OAG
Fri Nov 08, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to "forfeit" income to avoid IRMAA cliff
Replies: 53
Views: 6014

Re: Any way to "forfeit" income to avoid IRMAA cliff

If you are really "close" in income one way to reduce it somewhat if you own any Bank/CU CD's. You can withdraw them early and incur a Early Withdrawal Penalty (EWP). Any penalty can be used to reduce AGI. Can also be done with brokered CD's too but is a bit more involved.
by OAG
Thu Oct 31, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Folks age between 65-70. What’s your exercise routine
Replies: 44
Views: 4656

Re: Folks age between 65-70. What’s your exercise routine

At age 75 (now 79) after spouse died my kids purchased puppy for me to take care of. We, the dog and I, walk about 3 miles per day and frequent several parks in the area. My dog goes virtually everywhere with me. The walking keeps both of us in fairly good physical condition.
by OAG
Fri Oct 25, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Discounts for 2019 version
Replies: 27
Views: 2037

Re: TaxAct Discounts for 2019 version

Been using FREETAX USA for last three years. FREE Fed & Pay for State (if necessary).
by OAG
Sun Oct 20, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Are Really Large Battery Brands Fungible?
Replies: 29
Views: 3425

Re: Are Really Large Battery Brands Fungible?

Decent AGM batteries that are not cycled very often or deeply should last 10 years. If the batteries are 'weak' at this point, it's very likely due to a problem with the charger and not the batteries. Was my experience. When I had one of these the batteries were no where that costly. I got mine fro...
by OAG
Sun Oct 20, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: One thing to check when buying a used car privately [wheel locks]
Replies: 20
Views: 2365

Re: One thing to check when buying a used car privately [wheel locks]

Almost any Tire Dealer will have a "Key" for them. Just ask one. (The alternative method of removal without the key is simple but you have to have a few tools that most people do not have, but it is not a "secret" or "illegal" to use it (assuming the car is your property)).
by OAG
Wed Oct 16, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 5800

Re: How to avoid Medicare IRMAA Surcharge

All the married individuals should consider one fact of life. There will be a time when one of the couple passes away. I suggest that it would be prudent to considers what happens with IRMAA, and tax rates generally (among other things) when that happens. Excuse me if you think this is morbid but it...
by OAG
Sun Oct 06, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Adding middle name to SSN and Passport
Replies: 17
Views: 1872

Re: Adding middle name to SSN and Passport

Can't a "Also Know As" be added to most documents? Jane Smith AKA Jane Jackson Smith for example.
by OAG
Mon Sep 30, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Sound"proofing" basement -- what about hvac ducts?
Replies: 9
Views: 1056

Re: Sound"proofing" basement -- what about hvac ducts?

Sounds good for the first floor as it should stop the leaking water. In so far as the "war room" sometimes referred to as "man cave" (that term may not be PC :happy ) I would tape all of the seems on the ducting with quality tape (Aluminium) then use as thick roll/or standard insulation to fill the ...
by OAG
Mon Sep 30, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4535

Re: Mouse in the house

Suggest you check inside your furnace (example fan compartment on a gas unit). If you find mice and/or droppings (small black lumps). If this is the case they are getting in via the furnace air intake tubing that goes to the outside to get air for the furnace. Check that the screens is in those entr...
by OAG
Fri Sep 27, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Quicken Subscription Renewal
Replies: 31
Views: 2243

Re: Quicken Subscription Renewal

I hate subscriptions! But it makes sense in Quicken's environment. Quicken is really a 2-part product: 1. A desktop application 2. A back-end server that handles interactions with financial institutions (e.g. downloading bank, credit card, investment transactions). People keep saying that should no...
by OAG
Mon Sep 23, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 79
Views: 9394

Re: Apple iPhone iOS 13 Discussion

Hey some more "updates/upgrades" coming tomorrow too. IOS 13.1. https://www.bing.com/news/search?q=iOS+ ... &FORM=EWRE
by OAG
Wed Sep 18, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4743

Re: Best Dog Car?

I use a VW Tiguan 2018 model. But my dog sits in the front passenger seat, is trained, does not shed, and weighs in at about 35 pounds. He has sat (or slept there) for upwards of 800 miles going from OH to FL (of course with short pauses for necessaries). He does not bark much and listens to what I...
by OAG
Mon Sep 16, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4828

Re: Seasoned retirees...

Get a Dog. :happy
by OAG
Fri Sep 13, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Medicare Part B Expected Income Breakpoints
Replies: 3
Views: 783

Re: 2020 Medicare Part B Expected Income Breakpoints

Source of the "expected" numbers? I have not been able to find any "official" sources. I know the annual adjustments to the number return in 2020 but understood there would be some kind of arbitrary adjustment for 2020 and then become COLA based after that. I could be totally wrong. Just found this ...
by OAG
Thu Sep 12, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4743

Re: Best Dog Car?

I use a VW Tiguan 2018 model. But my dog sits in the front passenger seat, is trained, does not shed, and weighs in at about 35 pounds. He has sat (or slept there) for upwards of 800 miles going from OH to FL (of course with short pauses for necessaries). He does not bark much and listens to what I ...
by OAG
Wed Sep 04, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Bamboo Flooring
Replies: 20
Views: 2433

Re: Bamboo Flooring

I did 750 SF two years ago HCOL. Purchased same manufacturer (US Floors) at Lowes (Special order but it was quick). Also used a Lowes recommended installer. I did my own removal of the carpeting (easy process using a utility knife and small crowbar to remove tacking strips. Total cost was just below...
by OAG
Mon Aug 26, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance?
Replies: 26
Views: 1485

Re: Pet Insurance?

I just pay out of pocket for my pet's care. Only one pet (a Miniature (yeh 30 pounds) Golden Double Doodle (a dog)). He is expensive as I get him groomed monthly (no pet insurance I have glanced at covers that) and he is very healthy (4 years old now). I have had him since he was 8 weeks old. He has...
by OAG
Sat Jul 27, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever used the 60 day rollover from their IRA?
Replies: 22
Views: 1321

Re: Has anyone ever used the 60 day rollover from their IRA?

I did this a long time ago when making the purchase of a home. Took out of T-IRA at PFCU (no penalties that I remember) purchased part of home using this cash. Paid it back well short of the 60 day limit. Used the proceeds of a couple of maturing PFCU CD's to pay it back (the original intention). Ba...
by OAG
Thu Jul 25, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Orion FCU
Replies: 2
Views: 431

Re: Orion FCU

With a CU the Share account would be set up first with a nominal amount (for instance $5). This is usually a necessity for CU's. Suggest you call and talk to a "supervisor". They should put the remainder of the initial deposit into the Checking account as you wanted. Maybe you can go on-line and DIY.
by OAG
Sun Jul 21, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 51
Views: 4470

Re: How to get rid of a piano?

When we no longer wanted our baby grand piano, we called a couple of local piano shops to see if they would like it. I didn’t even ask them if they wanted to pay for it, just to take it away. It was gone within a few days. It might have been worth some money, but just wanted it gone. After reading ...
by OAG
Sat Jul 13, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple Beneficiaries on a bank account
Replies: 17
Views: 1537

Re: Multiple Beneficiaries on a bank account

FYI one CU I use states that if no percentage is listed for multiple beneficiaries the distribution will be evenly split between them all. Another one I use will not accept the designation unless you specifically show a percentage. So I guess the old RTF (read the form as opposed to the RTB (read th...
by OAG
Thu Jul 11, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4835

Re: Another NFCU CD deal

snowman wrote:
Wed Jul 10, 2019 4:11 pm
Got this offer today. Just sharing here if people are interested. 3.0% for 7 or 25 months.

https://www.ent.com/3percent
FDIC/NCUA Insured? I did not find that information at that site.
by OAG
Sun Jul 07, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 2856

Re: Cleaning bugs off car bumper

WD-40.
by OAG
Wed Jun 26, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Banks that offer automatic withdrawal option for CDs at maturity
Replies: 12
Views: 888

Re: Banks that offer automatic withdrawal option for CDs at maturity

Pentagon Federal Credit Union offers this and includes where to send the money, your account there or elsewhere (and, of course, automatic rollover to a like CD). Instructions can be done/changed at anytime. They also allow withdrawal of dividends monthly or retention in the CD and this can be chang...
by OAG
Fri Jun 21, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 6267

Re: Tree stump, cant use a stump grinder. Solution?

I just removed stumps that were at my house at move in, 2013. The original owner used a similar chemical compound introduced by drilling holes. He did so years before I moved there. I tried to pull up the stumps back in 2014 to no luck. I just recently gave it another go last month and the stumps w...
by OAG
Fri May 31, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: How to remove minor scratches from Manufactured Hardwood floors:
Replies: 10
Views: 1192

Re: How to remove minor scratches from Manufactured Hardwood floors:

Shoe Polish - Applied by hand. Has worked for me in the past on dark stained flooring.
by OAG
Fri May 31, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Any Alternative to Quicken for Us?
Replies: 4
Views: 645

Re: Any Alternative to Quicken for Us?

Take a look at Microsoft Money Deluxe. It is old but still works with Windows 10 Version 1903. Seems it would serve your situation well. BTW it is FREE. Just Google it.
by OAG
Wed May 22, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Getting Ready for Windows 10
Replies: 39
Views: 3339

Re: Getting Ready for Windows 10

I suspect that your new computer will arrive with Windows 10 version 1809 on it and you will have to install version 1903 via the Microsoft Site or via WU. Macrium Reflect is fine for backup and you may want to get a external USB Hard Drive to do backups on. The external drives are pretty cheap and ...
by OAG
Sat May 04, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 On Sale
Replies: 19
Views: 2473

Re: Quicken 2019 On Sale

Microsoft Money Plus is FREE and still works just fine (in Windows 10). Yes, you have to do everything by hand (no auto downloads). Nothing against Quicken, except the current cost structure.
by OAG
Thu Apr 25, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Want to Gift New Family Addition
Replies: 6
Views: 514

Re: Want to Gift New Family Addition

OP here: Changed title (got laughs, thanks). I have 2 other GGK's and they got same amount late last year into their existing 529's. Gifted $10K to all 9 GK's (all in their 20's or older) last year too. DK's are all POD on all accounts (they know my thoughts ref all my GK's after I check out).
by OAG
Thu Apr 25, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Want to Gift New Family Addition
Replies: 6
Views: 514

Want to Gift New Family Addition

Wonder if this is prudent. New addition coming this summer (DGD having baby). Thinking about gifting $5K specifically for 529 (Education). I have reason to believe they have not given any thought to this but plan to tell them to get the baby a 529 of their choice (I have no experience with these acc...
by OAG
Wed Apr 17, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: microwave that doesnt beep forever?
Replies: 24
Views: 1705

Re: microwave that doesnt beep forever?

GE has (my DD just bought one at Lowes a couple of months ago) one that has a button (labeled BEEPER ON/OFF) on the front of it you can push and never hear the beep again. Sorry I don't have the model # but it was a "in cabinet" one (not a "Counter top" one.
by OAG
Mon Apr 15, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 6813

Re: What defines "income" on a retiree's credit card application?

Pension + SS Benefits + Interest + RMD (if applicable). Seems like enough. I am not trying to impress someone. They always give me the CC but then I only use 1 of the 3 I have.
by OAG
Thu Mar 21, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: No drama, no minimum high yield checking accounts?
Replies: 21
Views: 1668

Re: No drama, no minimum high yield checking accounts?

NFCU (Where OP said he had some money) has a "no hassle" MMSA (MMA) paying between .80 to .95% depending on amount on deposit (starts at .80% on first dollar). They have a simple checking account (which OP I believe was complaining about the low rate). Not sure if it requires a direct deposit or not...
by OAG
Sat Mar 09, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Retirement question about grandchildren
Replies: 28
Views: 3730

Re: Retirement question about grandchildren

Have 9 Grandchildren, 2 (with #3 on the way) Great Grandchildren. They are scattered all over the USA. Thanks to Computers and Smart Phones we all pretty well keep in touch. So far I have made all weddings and most high school and college graduations. Thanks to my daughter mostly, I get to see some ...
by OAG
Fri Feb 22, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 50
Views: 4917

Re: Win 10 image backup software?

Kenkat wrote:
Sun Dec 23, 2018 9:06 pm
Macrium Reflect
Paragon Backup and Recovery
+1 Macrium Reflect - Free Version works just fine for this.
by OAG
Thu Feb 14, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: What's up with my snowblower?
Replies: 24
Views: 1563

Re: What's up with my snowblower?

Just a thought based on my experience on several lawn mower and other small internal combustion engines. What you have described has always meant the engine is "toast" and what was described in the first response seems pretty likely.
by OAG
Thu Feb 14, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Check for abandoned property -- worked twice for me
Replies: 58
Views: 9316

Re: Check for abandoned property -- worked twice for me

Did this about 5 years ago and found about $500 for a small insurance policy on my deceased mother with the State of IL. I was the only beneficiary so they sent it to me pretty quickly. In response to this thread did a search in State of VA where I lived and worked about 30 years ago and found some ...
by OAG
Wed Feb 13, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing Your Own Taxes
Replies: 13
Views: 1470

Re: Preparing Your Own Taxes

Doing your own taxes as you explain it will be "simple" for you. However, if you want to study the "system" I suggest you get Publication 17 from the IRS and study it thoroughly as it should provide a background to complete returns for the "public". You are a CPA so you should have no problem workin...
by OAG
Sun Feb 10, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: 75 yr old MIL - Pay off mortgage at 4.0%?
Replies: 30
Views: 1829

Re: 75 yr old MIL - Pay off mortgage at 4.0%?

AFAIK (and hope) IRMAA Base should be increasing in 2020 (estimated by 2%) which will impact 2018 MAGI. 2021 Base should be impacted by COLA going forward.
by OAG
Sat Feb 09, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Best way for Grandparent paying for day care
Replies: 23
Views: 1790

Re: Best way for Grandparent paying for day care

Great idea and great to have you for a grandparent. Yes get a good estimate of cost and just write a check you could give as much as $45K (DS, DDIL and DGrand Child) without any need to do anything tax wise for yourself or your family.
by OAG
Wed Feb 06, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3948

Re: Auto Battery Prices

+1 for NAPA. They don't seem to price gouge batteries like other auto parts stores. I believe most of their batteries are private labeled Dekka, so possibly the best battery you can get. If you're a good customer or ask nicely, some stores might give you mechanic pricing. (Auto parts pricing is all...
by OAG
Mon Feb 04, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3948

Re: Auto Battery Prices

NAPA Store.
by OAG
Sun Jan 27, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Solar land lease
Replies: 7
Views: 598

Re: Solar land lease

Thanks for response. Can you explain what you mean by not use the land again? I didn't know that solar would damage the land? Thanks No damage to the land in the very long run. The problem is they will want a really long lease (maybe 50-100 years) and occupy a lot of the land during the lease perio...
by OAG
Wed Jan 23, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: P-Trap and plumber woes
Replies: 37
Views: 2626

Re: P-Trap and plumber woes

Suggestion: Check the alignment of the sink above. Remove entire trap and using a small (maybe 6 inch) level. If it is not perfectly level it may be causing the P trap to be misaligned. If you cannot get the sink level you may try getting different (thicker) washers to using in the P trap connection...
by OAG
Tue Jan 22, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 9260

Re: What is a Boglehead funeral/burial?

Direct Cremation and delivery to Arlington National Cemetery. Already have a niche there as my DW is already there and there is ample room for me. Already have a Granddaughter there too along with several friends.