Bogleheads.org

OAG

I do not know how good it is but this site deals with the HUMP in SS: http://www.howtofixsocialsecurity.com/hump.htm

OAG

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...

OAG

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...

OAG

Onion:

I have PM'd you.

OAG

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 ...

OAG

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...

OAG

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...

OAG

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...

OAG

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.

OAG

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 ...

OAG

May want to check out Chewy.Com. Good prices and have a few discount programs. (+1 to the poster just prior to me).

OAG

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...

OAG

+1 WeatherTech. However they do not make them for ALL Makes AND Years of Vehicles.

OAG

+1 WeatherTech.

OAG

Forget the SS payback thing - if they took benefits over a year ago it went away.

OAG

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).

OAG

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.

OAG

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...

OAG

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...

OAG

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.

OAG

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

True.

OAG

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 ...

OAG

Duplicated - please delete.

OAG

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...

OAG

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 ...

OAG

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)..

OAG

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...

OAG

About 150% (COLA'ed Pension & SS). Plan to start live gifting program soon. Single with well to do children.

OAG

Toons wrote:Windows Defender(Win 10) works fine.

Ditto & +1 (Windows Defender in Window 10 seems to be updated several times a day lately).

OAG

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...

OAG

There are 4 Updates to Quicken 2016. Not sure they will actually help the problem but who knows?

OAG

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.

OAG

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.

OAG

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 ...

OAG

Please Delete Error in posting.

OAG

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.

OAG

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...

OAG

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.

OAG

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 ...

OAG

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).

OAG

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...

OAG

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.

OAG

NFCU has a free system to transfer $$ to other members (transactions are account to account (A2A) transfers).

OAG

Thanks - I can "tweak" the SS now.

OAG

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...

OAG

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...

OAG

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.

OAG

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...

OAG

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...

OAG

Toons wrote:100% with money left over

+1

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