Search found 182 matches

by pablolo
Thu Jul 30, 2015 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Novice needs help understanding ING Annuity
Replies: 26
Views: 2661

Re: Novice needs help understanding ING Annuity

does vanguard own the lowest cost variable annuity out there.? 70% of annuities purchased are variable annuities! only 1 to 3 % ever annuitize them. just some food for thought
by pablolo
Tue Jul 21, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: solar energy in new england
Replies: 32
Views: 2022

solar energy in new england

has anyone had solar panels installed on their home roofs? Is it an energy saver? how long does it take to break even? pros vs cons? thank you
by pablolo
Fri Jul 03, 2015 10:59 pm
Forum: Personal Consumer Issues
Topic: solar energy homes in NH.
Replies: 0
Views: 297

solar energy homes in NH.

has anyonehad solar energy panels installed on their homes in nh.? is it cost effective? pros and cons with them?
by pablolo
Tue Jun 30, 2015 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: annuity advice
Replies: 5
Views: 738

Re: annuity advice

The annuity started first at tiaa-cref then I did a 1035 to vanguard into a variable annuity. then I did a 1035 to metlife in nov.2008. the value then was 140k and cost basis of 119k. it is currently valued at 209k. it will be worth 215k on nov. 20,2007. I have an exlusion rate of about 55%
by pablolo
Mon Jun 29, 2015 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: annuity advice
Replies: 5
Views: 738

annuity advice

I have a myga -- 7 year fixed (cdlike) annuity with met life. it has a fxed rate of 6.3% and contract ends this nov. it is non-qualified and the cost basis is 119 k. it will be worth 215k in nov. I have not touched it for 7 years. I have social security and a small government pension at I draw down ...
by pablolo
Mon May 25, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: 5000 btu open window air conditioner
Replies: 13
Views: 1444

5000 btu open window air conditioner

I don't subscribe to consumers digest so I am asking if anyone has the best picks for a new 2015 5000 btu window air conditioner.Thank you
by pablolo
Thu Apr 02, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: want to leave verizon wireless need advice
Replies: 10
Views: 1413

want to leave verizon wireless need advice

Because of my high monthly fees and having 4 smartphones and a tablet with Verizon,i am looking for cheaper alternatives without giving up too much quality. I currently have unlimited voice and text and 15 gb of monthly data. any boglehead suggestions? I currently pay $294 a moth taxes included.
by pablolo
Thu Mar 19, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: need new computer
Replies: 13
Views: 1353

need new computer

hello. my 11 year old computer has gone to the farm. I use my computer to check e-mail and to surf websites. do any boglehead technicians have any suggestions for a desk top computer(need tower only) and where to buy? What security system ,etc. I am not very computer literate. thank you all.
by pablolo
Sun Sep 21, 2014 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: question about ee savings bonds
Replies: 3
Views: 649

question about ee savings bonds

Is the federal tax on ee savings bonds interest exempt if used to help pay tuition at a private secondary school(high school)%
by pablolo
Mon Jul 14, 2014 10:07 pm
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 6586

Re: america the beautiful national parks and lands pass

it's the op again. I'm 67 and just bought a America the beautiful lifetime pass. thank you for all the wonderful responses and pictures. has anyone come across outdoor hot springs or mineral springs on your off the beaten path journeys? I live in beautiful new Hampshire.
by pablolo
Sat Jul 12, 2014 8:06 pm
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 6586

Re: america the beautiful national parks and lands pass

How about waterfalls, swimming spots and hotsprings and minral springs?
by pablolo
Sat Jul 12, 2014 2:18 pm
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 6586

america the beautiful national parks and lands pass

hi. I recently purchased a America the beautiful pass. I am looking for input from fellow bogle heads about unique off the beaten path discoveries that you have explored across the united states. thak you
by pablolo
Sun Jun 01, 2014 3:39 pm
Forum: Personal Consumer Issues
Topic: What's the latest in credit card offers?
Replies: 8
Views: 1424

Re: What's the latest in credit card offers?

called new chase freedom card. easy money
by pablolo
Sun Jun 01, 2014 3:36 pm
Forum: Personal Consumer Issues
Topic: What's the latest in credit card offers?
Replies: 8
Views: 1424

Re: What's the latest in credit card offers?

chase has a limited time offer $200 back no annual fee if spend $500 in 3 months.
by pablolo
Tue May 06, 2014 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: article about medicare covering more ltc issues
Replies: 8
Views: 912

Re: article about medicare covering more ltc issues

thanks teacher. If anyone has has any issues about whether medicare covers a certain procedure always fill out an appeal with medicare and contact improvement@medicareadvocacy.org
by pablolo
Tue May 06, 2014 9:04 am
Forum: Personal Finance (Not Investing)
Topic: article about medicare covering more ltc issues
Replies: 8
Views: 912

Re: article about medicare covering more ltc issues

So, if someone has a long term care policy and medicare a and b should they modify(reduce the coverage) or possibly cancel their policy? Will medicare now cover Alzeimers?
by pablolo
Mon May 05, 2014 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: article about medicare covering more ltc issues
Replies: 8
Views: 912

article about medicare covering more ltc issues

I read an article from reuters.com dated april 29 regarding the2012 settlement of the Jimmo vs Sebelius case. I'm sorry I can't make the link. it seems that coverage for long term care insurane might be able to be reduced as medicare covers some healh issue that ltc insurance policies once covered. ...
by pablolo
Sun Apr 13, 2014 9:09 am
Forum: Personal Finance (Not Investing)
Topic: stan the annuity man
Replies: 2
Views: 644

stan the annuity man

I came across a annuity expert who seems to be pro client. he is a regular contributor on marketwatch in the retirement section.He is called stan the annuity man. Has anybody purchased an spia through him. He is an advocate of fixed annuities.
by pablolo
Thu Mar 27, 2014 8:41 pm
Forum: Investing - Theory, News & General
Topic: Wade Pfau: retirement income strategies
Replies: 17
Views: 2629

Re: Wade Pfau: retirement income strategies

thank you RM. My next question is who spcifically can help the average investor with finding the best solutions to these issues? cfp's with RMA designations? best wishes. pablolo
by pablolo
Thu Mar 27, 2014 8:01 pm
Forum: Investing - Theory, News & General
Topic: Wade Pfau: retirement income strategies
Replies: 17
Views: 2629

Re: Wade Pfau: retirement income strategies

So how do we find simplicity in the decumulation stage with all these different strategies?
by pablolo
Sun Jan 19, 2014 2:25 pm
Forum: Personal Consumer Issues
Topic: devices to maximize a car's fuel economy
Replies: 64
Views: 3835

Re: devices to maximize a car's fuel economy

wow, my initial query has shown a lot of support and advice. I just went through all the info and videos at hypermiling.com. very informative. thank you all
by pablolo
Tue Jan 14, 2014 10:17 am
Forum: Personal Consumer Issues
Topic: devices to maximize a car's fuel economy
Replies: 64
Views: 3835

devices to maximize a car's fuel economy

Are there any mechanical devices that can be installed under the hood of a car to improve miles per gallon? I specifically have a 2013 honda fit automatic. thank you
by pablolo
Fri Jan 10, 2014 4:49 pm
Forum: Personal Consumer Issues
Topic: 2 dogs and a 2013 honda fit base
Replies: 5
Views: 582

2 dogs and a 2013 honda fit base

I recently purchased a new honda Fit. I have 2 medium sized dogs and wish to keep back seats down to provide more room. I also need to keep them from getting in the front and want to protect the back side of the front seats. Any Fit owners with pets have a recommendation and/or picture for me. ? tha...
by pablolo
Mon Jan 06, 2014 11:23 pm
Forum: Personal Consumer Issues
Topic: Advice wanted on PenFed's low-rate car-buying service
Replies: 22
Views: 5507

Re: Advice wanted on PenFed's 0.49% car-buying service

penfed now has 0% financing if you buy through them. (true car). it is for 36 months
by pablolo
Mon Dec 16, 2013 1:08 am
Forum: Personal Consumer Issues
Topic: Anna Maria Island, Anyone?
Replies: 13
Views: 1536

Re: Anna Maria Island, Anyone?

anna maria is paradise,especially the northern part of the island. try anna maria donuts on pine ave. best donuts I've ever tasted. explore the island on a bicycle. if you get tired,just put the bike on frot of the trolley bus. best hamburer imo is at coquina beach cafe.sunsets at bean point. be sur...
by pablolo
Mon Nov 18, 2013 12:40 am
Forum: Personal Finance (Not Investing)
Topic: car mpg math problem
Replies: 14
Views: 1413

Re: car mpg math problem

ieee498. thank you.
by pablolo
Sun Nov 17, 2013 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: car mpg math problem
Replies: 14
Views: 1413

Re: car mpg math problem

my apologies. car a gets 50mpg car b 32.
by pablolo
Sun Nov 17, 2013 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: car mpg math problem
Replies: 14
Views: 1413

car mpg math problem

car a costs 18000 car b $15400. car a has a combined ave of 32 mpg city/ highway. car b is 50mpg. i drive 12250 miles a year. gas averages 3.30 a gallon. how long does it take to own car a to make up the$2600 difference in car price costs?
by pablolo
Wed Nov 13, 2013 6:20 pm
Forum: Personal Consumer Issues
Topic: looking for a pet friendly car--help
Replies: 26
Views: 1640

Re: looking for a pet friendly car--help

thank you for your input. i have been a loyal toyota customer for 25 years. currently have a 2002 corolla.I always buy a new car. I like the prius c 1 and honda fit. and of course 2013 0r 2014 corolla. i drive automatics.
by pablolo
Tue Nov 05, 2013 11:33 am
Forum: Personal Consumer Issues
Topic: buying a new car advice.
Replies: 5
Views: 1104

buying a new car advice.

I am interested in buying either a 2013 toyota corolla l automatic or a 2013 honda base fit automatic. i have been a loyal toyota owner for 25 years. currently have a 2002 corolla ce 151k runs well. have 2 dogs. i am in no rush. should i wait till december for end of year sales. what is a fair otd p...
by pablolo
Thu Oct 31, 2013 4:55 pm
Forum: Personal Consumer Issues
Topic: looking for a pet friendly car--help
Replies: 26
Views: 1640

looking for a pet friendly car--help

I have 2 medium sized(55-60lbs). dogs. I am looking for pet friendly car automatic new car that is reliable and has good fuel economy. I imagine it would have to be a hatch back (put dogs in back with seats down. goal is to minimze damage to car's interior. Any suggestions? thank you in advance.pric...
by pablolo
Fri Oct 25, 2013 11:11 pm
Forum: Personal Consumer Issues
Topic: pet plan insurance
Replies: 15
Views: 1125

Re: pet plan insurance

i have a mixed pit bull. i used care credit to pay the bill over 12 months. no interest as long as monthly bill is paid on time.
by pablolo
Mon Oct 21, 2013 9:43 pm
Forum: Personal Consumer Issues
Topic: pet plan insurance
Replies: 15
Views: 1125

pet plan insurance

Does anyone own a pet insurance policy called Pet Plan? How was coverage? customer service? thank you in advance.
by pablolo
Thu Oct 10, 2013 2:37 pm
Forum: Personal Consumer Issues
Topic: dashlane digital security.
Replies: 1
Views: 257

dashlane digital security.

Do any bogleheads have an opinion on the free download version of dashlane digital security? thank you
by pablolo
Thu Oct 10, 2013 2:35 pm
Forum: Personal Consumer Issues
Topic: dishwasher vs manual dish washing
Replies: 54
Views: 4954

dishwasher vs manual dish washing

Hi . Other than convenience, does using a dishwasher use less water than doing dishes by hand?
by pablolo
Thu Oct 03, 2013 6:08 pm
Forum: Personal Consumer Issues
Topic: dog chews
Replies: 15
Views: 848

Re: dog chews

wonderful. thanks. my other dog is a victorian bulldog. the kong toys sound great. where can i buy them. ?
by pablolo
Thu Oct 03, 2013 5:39 pm
Forum: Personal Consumer Issues
Topic: dog chews
Replies: 15
Views: 848

dog chews

I have 2 dogs. one is a pitbull mix and I welcome your comments concerning what to buy that is inexpensive, durable and good for their teeth and gums and where to buy these chews. thank you.
by pablolo
Sat May 11, 2013 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 96
Views: 7756

tax friendly states for retirees

I am retired and do not work in retirement. Are there any states that do not tax retirement income? ( distributions from traditional iras, social security, deferred and immediate annuities and pensions). thank you
by pablolo
Sat May 04, 2013 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: where to find home values
Replies: 11
Views: 1343

where to find home values

I went to zillow.com to see what they put for a market value on my home,but it seemed undervalued. Are there any other websites that offer home values? thank you
by pablolo
Thu Mar 21, 2013 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: turbotax audit protection
Replies: 0
Views: 229

turbotax audit protection

Does anyone buy the extra protection package that turbotax offers afta you finish your taxes?
by pablolo
Wed Mar 06, 2013 11:19 am
Forum: Investing - Help with Personal Investments
Topic: ee savings bonds
Replies: 6
Views: 991

Re: ee savings bonds

thank you Mel, Brian and Sheepdog!
by pablolo
Tue Mar 05, 2013 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: ee savings bonds
Replies: 6
Views: 991

Re: ee savings bonds

hi sheepdog. That website said my ee bonds initial maturity period was 12 years(doubled in value) and earned 6% for those first 12 years.(bonds purchased before march 1993). Now I believe they earn 4% for the remaining 18 years (to full maturity). thank you and best wishes
by pablolo
Tue Mar 05, 2013 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: ee savings bonds
Replies: 6
Views: 991

ee savings bonds

Hi bogleheads. I own some ee savings bonds purchased between 1991-1993. Treasury direct says they earn 4% till maturity (30 years). I thought thet earned 6% for first ten years. Can someone chime in and enlighten me?
by pablolo
Fri Oct 19, 2012 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: medicare part b premium
Replies: 4
Views: 543

Re: medicare part b premium

thank you Alan
by pablolo
Fri Oct 19, 2012 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: medicare part b premium
Replies: 4
Views: 543

Re: medicare part b premium

navigator,thank you. very informative thread. Generally speaking, is there a certain month in fall when retes are set?
by pablolo
Fri Oct 19, 2012 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: medicare part b premium
Replies: 4
Views: 543

medicare part b premium

Does Congress set the annual rates for medicare part b premium? When is it set? Does the new 1.7% cola for 2013 influence the rate? thank you all
by pablolo
Wed Oct 10, 2012 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: The Long-Term Care Insurance Gamble
Replies: 81
Views: 4539

Re: The Long-Term Care Insurance Gamble

I line in nh. and bought a jh ltc policy 2 years ago and I am still waiting for them to finish the partnership paperwork, nh. became a member of the partnership program in 2008 or 2009. why are state and jh so slow?
by pablolo
Fri Oct 05, 2012 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term care insurance: terminated coverage?
Replies: 25
Views: 1434

Re: Long-term care insurance: terminated coverage?

If premiums rise and the policyholder reduces his 5% compound inflatin rider he will forfeit his partnership program benefits that are shielded from medicaid

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