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Re: How to account for an annuity ?

I treated my annuities as an asset in Quicken. My yearly payout is deducted from the total amount. The year end FMV is then added back in.
by meebers
Sun Apr 06, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1845

Re: Windows XP to Linux Question with existing HW

In the past, I have tried various versions of Linux and basically gave up on it. Last week, I tried Linux Mint 14 on my old XP machine. It self installed without a hitch, configured itself and is very user friendly. This one also, writes an iso to a dvd and you can start up your system with just the...
by meebers
Sun Apr 06, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2313

Re: best tips for passwords?

How many hackers are trying to defeat lastpass? What makes a symbol "/" harder for a computer to find than an "A"?
by meebers
Fri Mar 07, 2014 6:50 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8408

Re: Hit a milestone today. Thanks Bogleheads!

Just finished my taxes for this year. Shocked, made the most money ever in my life. Been retired 15 yrs, no w2's, just good (lucky??) investments on my own.
by meebers
Fri Mar 07, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 4685

Re: I'm feeling old today

I remember before tv. When we finally got one, sylvania halo light, we would turn on the Tv @ 4pm and stare at the test pattern until 5pm when programming started. 11pm national anthem then snow. :?
by meebers
Sun Feb 16, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 6634

Re: Reasons why you're choosing your tax software this year

Been using TA for as long as I can remember. I usually get an online offer from them for $9.95. I have used different on line free versions as a comparison and the end result is the same.
by meebers
Sat Feb 15, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Reasons why you're choosing your tax software this year
Replies: 39
Views: 1834

Re: If Not TurboTax, What?

I have been using $9.95 Tax Act for years. Last year did a "test" file on line with TT and compared the results. Exactly the same.
by meebers
Sun Dec 08, 2013 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: If Not TurboTax, What?
Replies: 143
Views: 11773

Re: Poor PenFed Reviews

Took out a car loan with them (0.49%). There were questions on when the first payment would be taken out. I opted for automatic withdraw from my MM. They told me that I had to make the very first payment, which I did. They also took out the first payment from the MM. Now I have prepaid a month but s...
by meebers
Sun Dec 08, 2013 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 7028

Re: Transfer money Ally to Penfed - easiest way

1. Open up a money market fund at Ally. You can do this online and there is no minimum investment. 2. Transfer the $ from the Ally CD into the Ally money market account--I think you can do this online. If not, give them a call. 3. When you open the Penfed CD (also online) click the box for funding ...
by meebers
Wed Dec 04, 2013 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Transfer money Ally to Penfed - easiest way
Replies: 4
Views: 715

Re: Heat Pump Replacement Advice Please

If you have not already, have a look over here http://hvac-talk.com You post a question, several HVAC pro's answer, no body else is allowed to comment. And again here: http://forum.doityourself.com/heat-pumps-electric-home-heating-125/ A lot of great information at both sites when you are in the &qu...
by meebers
Wed Dec 04, 2013 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Heat Pump Replacement Advice Please
Replies: 20
Views: 1496

Re: trend following

Seven sample stock "factors", whats working and whats not. (sorry noob on posting pics) [image link fixed by admin LadyGeek] THANK YOU!
Image
by meebers
Wed Dec 04, 2013 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: trend following
Replies: 72
Views: 3527

Re: Buying lunch [for others, anonymously]

So glad that this thread has got this response. It may sound "corny" but what goes around comes around. i.e. The wife and I were in line to a convention show, tickets were $10 each. A young lady approached us and asked if we were going into the show? Yes I said, she handed us 2 free ticket...
by meebers
Tue Nov 12, 2013 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Buying lunch [for others, anonymously]
Replies: 31
Views: 3172

Re: Buying lunch [for others, anonymously]

The problem with buying lunch for the folks behind you in the drive-thru is . . . what do you pay? Doubt I'd leave a credit card open, for whatever they might order. I suspect much of this is , as they say, urban legend. Usually the order is already placed and therefore the total is known. You are ...
by meebers
Tue Nov 12, 2013 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Buying lunch [for others, anonymously]
Replies: 31
Views: 3172

Buying lunch [for others, anonymously]

How many of you, if any, sit in a restaurant and look at other people, mostly couples, and pay their bill anonymously. The wife and I have great fun in doing this, although not often. Its sort of like people buy the car's "lunch" behind them at a drive thru.
by meebers
Fri Nov 08, 2013 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Buying lunch [for others, anonymously]
Replies: 31
Views: 3172

Re: iGoogle alternatives?

I am getting use to Yahoo set up "like" igoogle...will let it run for a while. They want permission from me to use google email on the page..thats not happening! I miss the email gadget box for google, but like the portfolio gadget much better. News gadgets are about the same.
by meebers
Mon Nov 04, 2013 10:49 pm
 
Forum: Personal Consumer Issues
Topic: iGoogle alternatives?
Replies: 21
Views: 2407

Re: Florida homeowners and Citizens Insurance

This is intended not to be political. I was with the company that the last governor would not allow premium increases. He invited them to leave the state. New governor allowed them to raise their prices x2 with existing customers. We quit, shopped and ended up with AAA, one of those companies that w...
by meebers
Mon Nov 04, 2013 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Florida homeowners and Citizens Insurance
Replies: 17
Views: 1370

Re: wi fi range, extenders, Powerline, etc

I "rent" my cable modem from BHN. $3.50 monthly. I also live in the lightning capital of the world, the modem is first in line. I also subscribe to their telephone service. As much as I would like to use my own modem and then have to get a emta for the telephone, the dollars invested would...
by meebers
Mon Nov 04, 2013 10:03 pm
 
Forum: Personal Consumer Issues
Topic: wi fi range, extenders, Powerline, etc
Replies: 64
Views: 3661

Re: Are you an Iphone or Android guy?

3 android phones, 2 tablets. Never drank the mac juice.
by meebers
Sat Nov 02, 2013 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 6586

Re: Target's Brightspot from T-Mobile.

The wife and I both have smart phones. We are on the pay as you go (golden plan) from T-mobile. There is nothing of urgency that warrants a text/data plan for us. We have home wifi and multiple free wifi spots in our area to get the job done. We can browse, text, email etc thru wifi
by meebers
Sat Nov 02, 2013 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Brightspot OR $30/unlimited web/text/100 min. from T-Mobile.
Replies: 26
Views: 3118

Re: The ACA and VA Health Care

Do you have a family that you also want coverage for (not covered by VA)? The VA charges me $50 every time I go to the VA +$ for medications. If I use medicare and Tricare it is close to 0. I am retired military, the VA covers some things that medicare/tricare do not.
by meebers
Sat Nov 02, 2013 7:37 pm
 
Forum: Personal Consumer Issues
Topic: The ACA and VA Health Care
Replies: 3
Views: 328

Re: Stay, switch or combine

Here is what Quicken and my Vanguard account page says: For 100K invested, $166 gain (LT) and $177 gain (ST) Total $344. You're making a mistake somehow. Using the Morningstar graphing tool on VWENX from 10/7/2011 to present shows a growth of $10,000 back then to $13,596 today, including reinvested...
by meebers
Tue Oct 08, 2013 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1276

Re: Stay, switch or combine

Phineas J. Whoopee wrote:Should I sell the remaining value on my Ventra card to buy a Ford F-150?

PJW


That's easy...NO!
by meebers
Mon Oct 07, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1276

Re: Stay, switch or combine

Here is what Quicken and my Vanguard account page says: For 100K invested, $166 gain (LT) and $177 gain (ST) Total $344.[/quote] You're making a mistake somehow. Using the Morningstar graphing tool on VWENX from 10/7/2011 to present shows a growth of $10,000 back then to $13,596 today, including rei...
by meebers
Mon Oct 07, 2013 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1276

Re: Stay, switch or combine

BTW, you have VWIAX and VWENX reversed. As others have already said, the answer depends a lot on what you haven't told us, but I think it boils down to three things: ⋅ Are you happy with actively managed funds that lean heavily towards large value stocks as opposed to more broadly diversi...
by meebers
Mon Oct 07, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1276

Re: Stay, switch or combine

I currently have Wellesley(VWENX ,65% bonds, 35% stocks) in my portofolio. I have held it now for 2 years, return has been fluctuating above and below cost... By 'fluctuating above and below cost' you seem to be implying that the fund hasn't done well over the past two years. Are you including divi...
by meebers
Mon Oct 07, 2013 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1276

Stay, switch or combine

I currently have Wellesley(VWIAX ,65% bonds, 35% stocks) in my portofolio. I have held it now for 2 years, return has been fluctuating above and below cost. So I am also considering Wellington (VWENX 35% bonds, 65% Stocks) opposing AA's I know. I am considering selling half of VWENX and buying VWIAX...
by meebers
Sun Oct 06, 2013 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1276

Re: Annual termite inspection / retreatment. Stumped in Rale

What kind of treatment are you being offered. A liquid chemical spray around the perimeter of the house? or other. I switched to bait treatment (sentricon always active) spaced about 6' around the perimeter. But, no house or treatment is %100 guaranteed against termites. What really matters is the w...
by meebers
Wed Sep 11, 2013 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Annual termite inspection / retreatment. Stumped in Raleigh.
Replies: 21
Views: 2626

Re: Why aren't Car dealers prepared to deal?

Went shopping at a dealer on Sunday (they were closed) and found a car I liked. Took down the invoice # and MSRP on the window. Called them Monday morning and talked to the first guy that answered the phone and told him I was interested in invoice # xxxx AND that I was willing to pay MSRP for that v...
by meebers
Thu Aug 15, 2013 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 8675

Re: Hearing Aids

I am retired military, but not disabled. I was really impressed with the VA and how they treated me. I tried for a service connected hearing loss and was denied when I realized I had a hard time understanding normal conversation. However, the VA called me in for an initial appointment, a hearing tes...
by meebers
Sat Jun 29, 2013 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 72
Views: 4944

Re: Protecting Gains

OK, so you made some money. Did you make enough to satisfy your goal? House down payment, new shiny whatever, take wife/mistress to Hawaii, pay Vito his vig. If so sell. If not then it's apparent that you want to make some more money. To do that you need to decide if not selling is more likely to m...
by meebers
Fri May 17, 2013 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protecting Gains
Replies: 21
Views: 1615

Re: Protecting Gains

You could also buy puts to protect the gains. This way, you control when you sell unlike stop losses where wild swings can trigger sells, but then jump right back up. Remember the flash crash? But options are a whole other animal. :happy Appreciate a "Helper" link to this process to find ...
by meebers
Fri May 17, 2013 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protecting Gains
Replies: 21
Views: 1615

Re: Protecting Gains

I am thinking I should "protect" some gains on stock that I currently have. One in particular is showing a gain of 73.55%, but this might apply to many others. Strategy: lets say this stock is currently @ $100, bought @ ~$60. Lets also say I placed a limit sale for $90 that would run unti...
by meebers
Thu May 16, 2013 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protecting Gains
Replies: 21
Views: 1615

Re: Protecting Gains

You could also buy puts to protect the gains. This way, you control when you sell unlike stop losses where wild swings can trigger sells, but then jump right back up. Remember the flash crash? But options are a whole other animal. :happy Appreciate a "Helper" link to this process to find ...
by meebers
Thu May 16, 2013 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protecting Gains
Replies: 21
Views: 1615

Re: Protecting Gains

greg24 wrote:This isn't the best board to get a response for this kind of thing.


Appreciate your suggested recommendation then on where I would get a reasonable response? Thought I would be ok with this forum "Help with Personal Investments" :wink:
by meebers
Thu May 16, 2013 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protecting Gains
Replies: 21
Views: 1615

Re: Protecting Gains

Like I said, the big "boys" do it and I do not know what criteria they use to "trigger" a sale order. I suppose it is meant to minimize loss, but causes havoc in the market when that happens. But since you are guessing at what the bad things that might happen, what happens if it ...
by meebers
Thu May 16, 2013 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protecting Gains
Replies: 21
Views: 1615

Protecting Gains

I am thinking I should "protect" some gains on stock that I currently have. One in particular is showing a gain of 73.55%, but this might apply to many others. Strategy: lets say this stock is currently @ $100, bought @ ~$60. Lets also say I placed a limit sale for $90 that would run until...
by meebers
Thu May 16, 2013 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Protecting Gains
Replies: 21
Views: 1615

Re: When should I start taking Social Security?

Assuming no changes
Taking SS @ 65 ($2100,Aug 2013) Until Mar, 2030 you will have withdrawn 420K Age 81, 7 mo
Taking SS @ 70 ($3000,Aug 2018) Until Mar, 2030 you will have withdrawn 420K Age 81, 7 mo
by meebers
Tue May 07, 2013 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When should I start taking Social Security?
Replies: 22
Views: 1880

Re: Anniversary Free Portfolio check

Made the call today and after talking to an initial representative, he was able to verify that VG did in fact send me that email. It took him about 15 minutes to verify. After that, he transferred me to a another individual who screened what I wanted to do or what my concerns were. After that, he in...
by meebers
Mon Mar 25, 2013 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anniversary Free Portfolio check
Replies: 8
Views: 915

Re: Retired Newbie Looking for Portfolio Help

I am in my ~10th year of retirement, 73 no w2's. I am in the Vanguard 3 fund portfolio with cash in the vanguard MM for emergency :happy I keep track of the balance % info about every month on a spreadsheet. The percentages have not changed that much since inception. I have not decided on how much ...
by meebers
Sun Mar 24, 2013 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired Newbie Looking for Portfolio Help
Replies: 29
Views: 1927

Re: Anniversary Free Portfolio check

Yes I have been with them for over a year now, and I do have admiral shares. However, I have not acted on it yet. It was an unsolicited email, which I get often from them, but they had a number to call, 855-716-xxxx. I tried to look it up on the internet, some versions of look up engines, showed it ...
by meebers
Sun Mar 24, 2013 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anniversary Free Portfolio check
Replies: 8
Views: 915

Re: Retired Newbie Looking for Portfolio Help

I had a similar experience and before leaving my broker, I converted everything to cash. He still charged me management fees for 2 months. (was in the "contract") and then $50 per account to close. That was 2 years ago now and last week, one of the client service representatives emails me...
by meebers
Sun Mar 24, 2013 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired Newbie Looking for Portfolio Help
Replies: 29
Views: 1927

Re: Retired Newbie Looking for Portfolio Help

I had a similar experience and before leaving my broker, I converted everything to cash. He still charged me management fees for 2 months. (was in the "contract") and then $50 per account to close. That was 2 years ago now and last week, one of the client service representatives emails me ...
by meebers
Sat Mar 23, 2013 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired Newbie Looking for Portfolio Help
Replies: 29
Views: 1927

Anniversary Free Portfolio check

Received an email from VG which offered me a "FREE" portfolio check on my anniversary. Wondering what experiences others may have had doing this, how extensive was the check up or was it mostly "chat" type talk. :D
by meebers
Sat Mar 23, 2013 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anniversary Free Portfolio check
Replies: 8
Views: 915

Re: Pay a speeding ticket or plead to non moving

I got a speeding ticket once. Stomped on it to merge into traffic while getting on the interstate. Cop asked if I was in a hurry, said no. Do I have an emergency, said no. Cop said you were speeding, said yes, just trying to make a smooth merge. Well he did not give me a speeding ticket, but rather ...
by meebers
Fri Feb 22, 2013 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Pay a speeding ticket or plead to non moving
Replies: 42
Views: 2882

Re: How much do you spend in a week? (Mon-Sun)

2 people, retired. Food 7127, insurance 3252, Med 1060 and Utilities 6165. Total 1760 or 339/week. (Quicken report) No mortgage.
by meebers
Fri Feb 22, 2013 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you spend in a week? (Mon-Sun)
Replies: 50
Views: 3199

Re: Which Midsize SUV should I buy?

The upgraded model of a SUV (KIA) I just bought automatically came with a 3rd row seat if you ordered a 6cyl. Stick with the standard 4 cyl and the 3rd row seat was not there :confused The dealer was able to convince the factory to give me a 6cyl without a 3rd row seat. Maybe the only one in existen...
by meebers
Tue Jan 01, 2013 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Which Midsize SUV should I buy?
Replies: 67
Views: 5805

Re: Death to ING Banking.... dang you Capital one....

Quite a few of my accounts have been "absorbed" by BOA and as of late, Capital One. :(
by meebers
Thu Nov 08, 2012 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death to ING Banking.... dang you Capital one....
Replies: 46
Views: 8598

Re: Negotiating Salary for a Promotion

It has been my experience in the past over several employers that it depends on the company structure. For instance, larger companies have an HR department that has structured salary ranges for your pay grade/title. Your boss may get your promotion rolling, but HR/Budget determing the :moneybag. Pro...
by meebers
Wed Oct 24, 2012 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Negotiating Salary for a Promotion
Replies: 18
Views: 3043

Re: One of the toughest decisions of my life

I will keep mine short ? Even though military life was difficult at times, all my deployments were unaccompanied , combat tours, family separation with 3 kids etc. This was in the days before email, cell phone, skype etc and totally relied on "snail mail". I missed my first kid being born ...
by meebers
Mon Oct 22, 2012 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: One of the toughest decisions of my life [Employment]
Replies: 33
Views: 4827

What are you doing with your R.M.D.?

Just curious, I am on my 3rd RMD anniversary and was wondering what most people do with thier Required Minimum Distribution. Transfer to savings, re-invest it, go to vegas :shock:
by meebers
Sun Oct 21, 2012 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with your R.M.D.?
Replies: 13
Views: 1159
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