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OAG

Trying to understand why a T-IRA custodian would notify anyone over the age of 72 (personally 79) of the law changes. I am aware the mandatory percentage of calculations was lowered for (most) everyone. However, in my notification they did not even mention the changes in the percentage. Correct me i...

OAG

Retired 38 years 8 months of age
Current Age 79 years 3 Months
Raised 4 kids
Have 9 Grand Children and 3 Great Grand Children
One spouse for 49 years
Now Widower
Key to success: Luck (No not lotteries, etc.,)

OAG

Try Free Tax USA. Worked very well. Federal is free and you only pay for states. +1 I have used FreeTAXUSA for 4 years now. Return filed and final return can be printed as a PDF file so no hard copy necessary. Has worked well for me. In my case (OH) the state site has a free return for that too. I ...

OAG

Just checked at Chewy.com 40 lb packages of Cat Litter at $14.50 each plus taxes. So 10 40 lb packages $145 plus tax with FREE delivery. Much easier to handle 10 packages than 1 400 lb one. Where I live I get 2 day delivery via FEDEX. No I do not order 400 lbs of cat litter just a 50 lb bag of dog f...

OAG

I have that "feature" on my VW Tiguan. On this vehicle the engine shuts off when you stop (using your brakes) and it will restart when you move you foot off of the brakes. It, of course can be turned off, and reengages when you restart the vehicle. I initially disliked it and turned off al...

OAG

FreeTaxUSA is fine. I used it to complete my Federal Return 2 days ago. It was accepted by IRS on same day (contrary to my thinking it could not be accepted until 1/27/20). Many software companies and tax professionals will accept tax returns before opening day, January 27, 2020. That doesn’t mean ...

OAG

FreeTaxUSA is fine. I used it to complete my Federal Return 2 days ago. It was accepted by IRS on same day (contrary to my thinking it could not be accepted until 1/27/20).

OAG

Available for Download today from: https://www.microsoft.com/en-us/edge?fo ... CID=MO12GC

OAG

Used Quicken Deluxe for years but find that a Spreadsheet in LibreOffice (Free) and/or Microsoft Money Deluxe (Free) work well.

OAG

I leave my RMD to year end and have my entire estimated tax withheld at that time. +1 on that. RMD is set on 12/31 of prior year. Very easy to just let it grow and the RMD to come out 100% in December of current year. Even better if the amount equals or exceeds annual estimated Federal (in some cas...

OAG

Beta Version (3 different versions) have been available for some time. I use it currently and think it is working just fine (my opinion).
According to MS it is to go off Beta and full application on 1/15/2020.

OAG

Old State Veteran's Assistance Officer. Very long time ago (State of VA). Had office in VA Building in DC (Capital Street). Job was to assist Veteran's in all manner of benefit assistance including representation before the Admin Law Judges when necessary. All services are FREE to veterans. Various ...

OAG

IRS can help: https://www.irs.gov/newsroom/hobby-or-b ... -to-decide

OAG

What would the difference in SS benefits be under her name (at 62, 67, 70) versus her benefits currently? Does she have a better work history hence maybe a better benefit?

OAG

You state you have OWNER'S Title Insurance. GREAT. Now I suggest you go read it and pay attention to EXCLUSIONS page. After that you should either be good to go or seeking further clarification from your current attorney or another one you trust.

OAG

When you analyze the impact future RMDs will have on your tax rate, also look at a sole survivor scenario too. It might be worth it to convert now up to the top of the 12% bracket if you can pay for the taxes out of your gift/cash flow. Many do not look at the "sole survivor scenario" clo...

OAG

I have 100% of my RMD Sent to the US Treasury in December 2020. It does not pay 100% of the taxes that will be due but it helps.

OAG

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.

OAG

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).

OAG

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 "...

OAG

Medicare.gov Information on 2020 IRMAA Numbers here: https://www.medicare.gov/your-medicare- ... rt-b-costs

OAG

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.

OAG

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.

OAG

Been using FREETAX USA for last three years. FREE Fed & Pay for State (if necessary).

OAG

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...

OAG

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 propert...

OAG

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...

OAG

Can't a "Also Know As" be added to most documents? Jane Smith AKA Jane Jackson Smith for example.

OAG

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 ins...

OAG

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...

OAG

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...

OAG

Hey some more "updates/upgrades" coming tomorrow too. IOS 13.1. https://www.bing.com/news/search?q=iOS+ ... &FORM=EWRE

OAG

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...

OAG

Get a Dog.

OAG

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 wro...

OAG

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 ...

OAG

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...

OAG

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...

OAG

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...

OAG

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-li...

OAG

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 ...

OAG

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...

OAG

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.

OAG

WD-40.

OAG

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...

OAG

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...

OAG

Shoe Polish - Applied by hand. Has worked for me in the past on dark stained flooring.

OAG

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.

OAG

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 ...

OAG

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.

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