Search found 1193 matches

by OAG
Sun Sep 27, 2009 6:45 am
Forum: Personal Consumer Issues
Topic: Parents and Children [the OP is spammer - fyi]
Replies: 10
Views: 2260

All good advice. However, I will venture to state that there are different styles that apply for different times. When kids are small they need a bit (some more than others) of discipline while at later stages in life they need respect and friendship. Also different styles may be needed for differen...
by OAG
Sun Sep 27, 2009 6:36 am
Forum: Personal Consumer Issues
Topic: turning off water/water heater when away from home??
Replies: 33
Views: 53437

"If you have a sump pump, make sure you don't turn off the power to that."


And consider a Battery Backed up Sump Pump (which piggybacks on the current AC one). Lowes and HD have them - just be sure to maintain the battery for that one.
by OAG
Sun Sep 27, 2009 6:28 am
Forum: Personal Consumer Issues
Topic: Windows Internet Explorer 7 is Faster than Firefox 3.5
Replies: 36
Views: 6003

[quote="ElJay"]Windows 7 allows a person to disable Internet Explorer 8. The components have to remain since the OS and other software depend on them.[/quote FYI: http://www.winsupersite.com/win7/review_internet.asp IAE: Firefox is much better than IE (faster too, at least on my two comput...
by OAG
Sat Sep 26, 2009 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: My Laptop was Attacked by Virus
Replies: 5
Views: 1905

Could try something like MalwareBytes if you wanted to have a second check. (www.malwarebuytes.com)
by OAG
Sat Sep 26, 2009 3:40 pm
Forum: Personal Consumer Issues
Topic: Windows Internet Explorer 7 is Faster than Firefox 3.5
Replies: 36
Views: 6003

In less than a month W7 will hit the streets. The first MS Windows OS that will actually allow you to completely uninstall IE (a first for MS). It is too bad we cannot do that with XP or Vista.
by OAG
Fri Sep 25, 2009 4:59 pm
Forum: Personal Investments
Topic: My mother is all in cash
Replies: 19
Views: 5159

Depending on when she needs the use of the money, amount involved and percentage she is withdrawing I would suggest NCUA or FDIC insured CD's. A very good place is PFCU (Pentagon Federal Credit Union). Any one can join, by taking a 1 year membership in a affiliated group, unless otherwise eligible t...
by OAG
Fri Sep 25, 2009 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Get $150 to open a checking account
Replies: 21
Views: 4567

Did it with chase. No need to use the debit card at all. $150 free IMO. Also got $30 credit for getting a Chase/Quicken VISA Card - Used once, paid off and now committed to the archives.
by OAG
Mon Sep 21, 2009 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Should parents pay their kids' college tuition?
Replies: 79
Views: 14246

This is like the "pay off the mortgage or not" question. Personally, 4 kids, one went to service academy (full scholarship) now is a retired Navy 06 (26 years AD), one went ROTC Scholarship first 2 years, opted out of ROTC, then paid her own way for the remaining two years for a Registered...
by OAG
Sun Sep 20, 2009 2:01 pm
Forum: Personal Consumer Issues
Topic: Condensation on new window
Replies: 9
Views: 2127

If you are positive it is on the outside and not between panes then the window is doing it's job. Condensation on the outside happens because the outside surface is colder than the air. The better the window is as an isulator the colder the outside will be and the more dew will happen. The window c...
by OAG
Sun Sep 20, 2009 6:49 am
Forum: Personal Finance (Not Investing)
Topic: In the middle of an IRS/SSA conflict
Replies: 52
Views: 10923

Consider contacting the Taxpayer Advocate Service. http://www.irs.gov/advocate/article/0,,id=97392,00.html I do not have any experience, but, have heard they can help make things happen. This should be a simple fix. (Silly me) I concur. I did use the TAS in the past 4 months after trying to get som...
by OAG
Sat Sep 19, 2009 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Bank wins again
Replies: 23
Views: 6737

PFCU (Pentagon Federal Credit Union), which, if not other wise qualified, can be joined through membership in an organization mentioned on the website. They have something called "home banking" whereby, if qualified, you just enter, on line, the amount of a check, the ABA # on the check, a...
by OAG
Sat Sep 19, 2009 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Bank wins again
Replies: 23
Views: 6737

PFCU (Pentagon Federal Credit Union), which, if not other wise qualified, can be joined through membership in an organization mentioned on the website. They have something called "home banking" whereby, if qualified, you just enter, on line, the amount of a check, the ABA # on the check, a...
by OAG
Sat Sep 19, 2009 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Tax Act - Incorrect tax figured [turned out to be IRS error]
Replies: 57
Views: 14565

Almost There: Based on your last response then, are we to assume that TAX ACT was correct and there was NOT a software problem?
by OAG
Sat Sep 19, 2009 7:59 am
Forum: Personal Finance (Not Investing)
Topic: USAA Insurance Rates Up This Year
Replies: 13
Views: 2723

Must not be the norm, but our Condo Policy (renewed this month) actually went DOWN about 10% (no changes in coverage). Additionally, we are thinking of buying a new car which is substantially (like 30%) more expensive than the car we will be getting rid of so I called USAA to see what the rate on th...
by OAG
Thu Sep 17, 2009 6:02 pm
Forum: Personal Investments
Topic: 5-year rule for Roth distributions?
Replies: 89
Views: 13265

Publication 590 at the IRS Site starting in page 67 should answer the question(s). Search on Pub 590 at www.irs.gov.
by OAG
Thu Sep 17, 2009 4:07 pm
Forum: Personal Consumer Issues
Topic: SSD Drives for laptops: Are they worth it?
Replies: 11
Views: 2192

Re: SSD Drives for laptops: Are they worth it?

Has anyone tried one of the new SSD Drives for laptops? The prices have come down and they are supposed to be faster and more rugged. I have considered upgrading my 5400 RPM drive. Roosevelt. I have been using one for over a year now (Seagate). It came with my Laptop. Nice thing about it is that my...
by OAG
Wed Sep 16, 2009 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Saving dollars and energy while driving
Replies: 10
Views: 1933

I experimented with this method of driving on a recent 850 mile trip. Kept the speed to about a maximum of 55 mph, no jackrabbit starts, I am old so I just drive "normal". I drive a large SUV that is rated for 16/18 Mpg. On that trip I was able to (according to the computer on the car) max...
by OAG
Wed Sep 16, 2009 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Pvt medical ins. Anyone own it w/history of serious illness?
Replies: 21
Views: 3128

Part B (which normally comes out of your SS check, which you won't have if you delay it till age 66) currently is at a rate of $96/mo, Does one have to pay the $96 for part B if one is not receiving Social Security? That is, delaying to age 70 before receiving SS. Yes, unless otherwise exempt, you ...
by OAG
Wed Sep 16, 2009 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Pay off "Fees"
Replies: 13
Views: 3016

I am surprised you will be getting off that cheap - if it includes the lien release or whatever they call it where you live. Maybe they are waiting for than one for when the home is sold (someday). For instance to release a lien where I live the cost is $62.50 but that is a Country Charge not the Ba...
by OAG
Wed Sep 16, 2009 11:39 am
Forum: Personal Finance (Not Investing)
Topic: How many miles do you drive annually?
Replies: 42
Views: 9407

5 year old car (single vehicle family) purchased new now with 31.5K miles; so about 6,300 miles per year. Annual trips are usually one to VA (850 miles RT), one to FL (1,700 RT) and maybe one to IL (500 miles RT) so about half are longer traveling trips. Wonder what the number of gallons of gas peop...
by OAG
Sat Sep 12, 2009 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Bogleheads property tax question
Replies: 10
Views: 2180

There is no state property tax. Payment practices vary, but in my case, I receive the county tax bill in November and it is due in March. However, I receive a 4% discount for a payment made in Nov, 3% if made in Dec, 2% if made in Jan and 1% if made in Feb. That is exactly correct - at least in Cla...
by OAG
Sat Sep 12, 2009 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Act - Incorrect tax figured [turned out to be IRS error]
Replies: 57
Views: 14565

"But more importantly, there definitely is a mistake in their calculation. I just checked the 1040 website again. Tax Act's Total Tax figure would have been almost correct if my taxable income was $1000 less. That is not good and totally unacceptable." From your last comment I am wondering...
by OAG
Fri Sep 11, 2009 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Act - Incorrect tax figured [turned out to be IRS error]
Replies: 57
Views: 14565

Re: TAX ACT - Incorrect tax figured

Hello Hopefully someone will be able to help me. Just received my first letter ever from the IRS. After using Tax Cut for many years without any problems, I decided this year to go with Tax Act. For my 1040, Tax Act automatically figured my Taxable Income (+ IRS agreed). However, the Total Tax whic...
by OAG
Sun Sep 06, 2009 8:16 am
Forum: Personal Finance (Not Investing)
Topic: PenFed
Replies: 44
Views: 9540

My solution for not ACHing out is don't ACH in. Any money that you have just use to pay the CC. Good idea! I did not think of that one. This is basically what we do. Put EVERYTHING we can on the PFCU VISA (food, gas, dental bills, and any other stuff (even some very small amounts)). Then by either ...
by OAG
Sat Sep 05, 2009 10:34 am
Forum: Personal Investments
Topic: Retired person's IRA
Replies: 21
Views: 3731

Pentagon Federal CU (about 3rd largest CU in USA) has 7 year CD's at 4% APY (www.penfed.org). Membership, if not otherwise eligible, can be had for a $20 membership in an affiliated organization. USAA has some shorter term CD's at lower but fairly better rates than most banks. Welcome back OAG... 8...
by OAG
Fri Sep 04, 2009 5:23 pm
Forum: Personal Consumer Issues
Topic: Internet Explorer 8 vs. Internet Explorer 7
Replies: 34
Views: 7647

Ditto - what Richard Said! Additionally, Thunderbird (Email) is also very good.
by OAG
Fri Sep 04, 2009 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed CC: download into Quicken for Mac?
Replies: 5
Views: 2265

Not sure which version of Quicken your using but, I tried out Quicken 2009, and it worked fine with PFCU (Windows Vista). However, I do not like Quicken (for other reasons) and do not use it currently.
by OAG
Fri Sep 04, 2009 12:02 pm
Forum: Personal Investments
Topic: Retired person's IRA
Replies: 21
Views: 3731

Pentagon Federal CU (about 3rd largest CU in USA) has 7 year CD's at 4% APY (www.penfed.org). Membership, if not otherwise eligible, can be had for a $20 membership in an affiliated organization. USAA has some shorter term CD's at lower but fairly better rates than most banks.
by OAG
Fri Sep 04, 2009 7:32 am
Forum: Investing - Theory, News & General
Topic: Tax brackets and income for retirees
Replies: 76
Views: 12270

The fact used to tax SS in the first round (50% SS Taxed) was that while the contributions by the employee had been taxed that the contributions by the EMPLOYER had not been taxed. Of course they came up with another "fact" (which I am not clear as to what it was) to get it up to 85% taxab...
by OAG
Thu Sep 03, 2009 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Demographics
Replies: 41
Views: 5756

Retired and have been for a long time. In our case we are living off of SS and COLA'd Army Retirement. The SS or Army Retirement could pay all expenses. So we are "saving" the rest, most of the time. Every so often we find a major expense (new home (net cost), new Car, Major Dental Care, e...
by OAG
Tue Sep 01, 2009 6:00 am
Forum: Personal Consumer Issues
Topic: Why Premium Gas on Acura MDX vs Honda Pilot
Replies: 48
Views: 62224

I drive a Lexus with a 470 Engine. High Octane gas is "recommended" in the manual. I have used 87 Octane since day one (5 years now). As I understand it the computers in these "modern cars" can compensate and/or adjust for the lower octane. BTW my mileage for the past 5 years ex...
by OAG
Mon Aug 31, 2009 6:24 am
Forum: Personal Consumer Issues
Topic: Why Premium Gas on Acura MDX vs Honda Pilot
Replies: 48
Views: 62224

I drive a Lexus with a 470 Engine. High Octane gas is "recommended" in the manual. I have used 87 Octane since day one (5 years now). As I understand it the computers in these "modern cars" can compensate and/or adjust for the lower octane. BTW my mileage for the past 5 years exc...
by OAG
Sat Aug 29, 2009 6:05 am
Forum: Personal Consumer Issues
Topic: Building my own computer
Replies: 39
Views: 5757

Having played with computers for the past 25 plus years and having built my own a few times, I would suggest buying an OEM. Adding memory is a good sugestion along with a "good" video card. I suggest also purchasing a "extended warranty" on each one at least in the range of 2-3 y...
by OAG
Fri Aug 28, 2009 7:26 am
Forum: Investing - Theory, News & General
Topic: Lump sum into Total Bond Market ?
Replies: 5
Views: 1604

Hexdump: Try looking at Pentagon Federal Credit Union (www.penfed.org) as they seem to have the best current rates of anyone (4% APY for a 7 year CD from which you can "pull" the interest monthly or just let it accrue). NCUA Insured (more or less the same as FDIC). Unless otherwise eligibl...
by OAG
Thu Aug 27, 2009 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Repaying Social Security
Replies: 14
Views: 3681

It took so long mostly because I was not in any hurry. Some of the delay was my fault (I think) as I basically did everything via mail (including sending personal checks) and phone calls from a Chicago office of SSA. If I had to do it again I would have went into a local SSA office with a specific a...
by OAG
Wed Aug 26, 2009 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Repaying Social Security
Replies: 14
Views: 3681

[quote="exaramco"]Sorry, what do all the abbreviations mean near the end of the entry? PFCU = Pentagon Federal Credit Union CD = Certificate of Depost HELOC = Home Equity Line of Credit IRS = Internal Revenue Service IRC = Internal Revenue Code (you can google IRC 1341 and it should be sel...
by OAG
Wed Aug 26, 2009 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Repaying Social Security at age 65
Replies: 5
Views: 1233

I am not sure if this will help your "friend" but it is a "real life" example of this procedure. BTW the 521 only said words to the effect "I did not realize the increase financial benefits of waiting". I seemed to fill the bill with the SSA. http://www.bogleheads.org/f...
by OAG
Wed Aug 26, 2009 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Password Request Code?
Replies: 7
Views: 2836

lbill: You can go here http://www.socialsecurity.gov/retire2/delayret.htm

Remember to add the yearly (well mostly yearly) COLA percentages. A lot depends on your age etc, etc, etc.
by OAG
Wed Aug 26, 2009 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Repaying Social Security
Replies: 14
Views: 3681

We did it (remember, if married, you will also have to repay any increased benefits the spouse received based on your record). She started at 62 as I did (she is 3 years older than me). I paid back mine and hers and then reapplied for benefits effective at 67.5 years of age (birth year 1940). The in...
by OAG
Sun Aug 26, 2007 6:19 am
Forum: Personal Investments
Topic: mandatory distribution from employer-sponsored IRA
Replies: 11
Views: 3704

You can wait for the year AFTER you reach 70.5 however, if you do, you will have to take TWO distributions in that year. There are some inherent income tax impacts, if you do. BOTH distributions will be taxed in the year you get them along with the potential impact on SS taxation, possible AMT etc. ...
by OAG
Sat Mar 10, 2007 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on antivirus software?
Replies: 74
Views: 39595

Anti-Virus: AVAST Free Edition -- Just works fine and the price is right. Firewall: Comodo Firewall Pro Edition -- Free and works just fine. www.avast.com and www.comodo.com. As has been already recommended Adware SE, Spybot, and Spyware Blaster should also be on your system and RUN them and keep th...
by OAG
Sun Mar 04, 2007 9:36 am
Forum: Personal Investments
Topic: Buying a Car, Paying Cash
Replies: 26
Views: 14266

Last one I purchased new I gave them a check for $5K, VISA Card charge for $25K (got $375 rebate from VISA on a 1.25% cash back), then had them let me sign a 10 Note for the remainder. Went back and paid them with a personal check BEFORE the 10 days expired. They did not seem to like the payment met...
by OAG
Sat Mar 03, 2007 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Avatar test
Replies: 68
Views: 38923

Testing.