Search found 1193 matches

by OAG
Sat Feb 01, 2020 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: New RMD rules for 2020
Replies: 8
Views: 1286

Re: New RMD rules for 2020

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...
by OAG
Thu Jan 30, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Early retirement - Long term "successes"
Replies: 75
Views: 7416

Re: Early retirement - Long term "successes"

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.,)
by OAG
Tue Jan 28, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: Is it worth it to jump on the TurboTax bandwagon?
Replies: 36
Views: 2697

Re: Is it worth it to jump on the TurboTax bandwagon?

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 ...
by OAG
Fri Jan 24, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 71
Views: 8868

Re: 400lbs, delivery or pick up?

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...
by OAG
Fri Jan 24, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 125
Views: 11919

Re: Subaru Outback engine stop/start

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...
by OAG
Fri Jan 24, 2020 9:07 am
Forum: Personal Finance (Not Investing)
Topic: HRBlock software seems buggy
Replies: 15
Views: 1821

Re: HHBlock software seems buggy

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 ...
by OAG
Thu Jan 23, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: HRBlock software seems buggy
Replies: 15
Views: 1821

Re: HHBlock software seems buggy

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).
by OAG
Tue Jan 14, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: I Bought Myself Quicken - Now What?
Replies: 40
Views: 3776

Re: I Bought Myself Quicken - Now What?

Used Quicken Deluxe for years but find that a Spreadsheet in LibreOffice (Free) and/or Microsoft Money Deluxe (Free) work well.
by OAG
Sun Jan 12, 2020 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Distribution: All in one go or spread out over year?
Replies: 12
Views: 1779

Re: RMD Distribution: All in one go or spread out over year?

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...
by OAG
Fri Jan 10, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 27
Views: 4550

Re: Microsoft : Edge Being Replaced by Chromium

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.
by OAG
Fri Jan 10, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Lawyer charged $800 for incorrect info. Should I complain? (Elder law VA benefits issue)
Replies: 31
Views: 3237

Re: Lawyer charged $800 for incorrect info. Should I complain? (Elder law VA benefits issue)

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 ...
by OAG
Fri Dec 20, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for my mothers future
Replies: 14
Views: 1388

Re: Preparing for my mothers future

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?
by OAG
Thu Dec 19, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: About to close on house. Issue just popped up on title. What should I do?
Replies: 22
Views: 2518

Re: About to close on house. Issue just popped up on title. What should I do?

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.
by OAG
Tue Dec 17, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion... from 30,000 ft is it worth it for me?
Replies: 16
Views: 1596

Re: Roth conversion... from 30,000 ft is it worth it for me?

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...
by OAG
Mon Dec 16, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: alternatives to doing estimated taxes
Replies: 7
Views: 1022

Re: alternatives to doing estimated taxes

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.
by OAG
Sat Dec 07, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Social Security
Replies: 13
Views: 1526

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: 807

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: 3294

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 "...
by OAG
Thu Nov 21, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA income level for 2020
Replies: 10
Views: 1757

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: 54
Views: 6675

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: 5347

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: 35
Views: 3643

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: 3736

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: 2530

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 propert...
by OAG
Wed Oct 16, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 6700

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: 2012

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: 1240

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 ins...
by OAG
Mon Sep 30, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 5013

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: 35
Views: 4270

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: 10274

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: 5252

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: 5152

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: 842

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 wro...
by OAG
Thu Sep 12, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 5252

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: 2562

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: 1670

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: 1372

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: 479

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-li...
by OAG
Sun Jul 21, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 51
Views: 4733

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: 1700

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: 5268

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: 3202

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: 955

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: 6728

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: 1250

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: 739

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: 3507

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: 2709

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.