Search found 219 matches

by pablolo
Tue May 24, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of a non qualified Annuity
Replies: 0
Views: 49

Taxation of a non qualified Annuity

Can somebody please explain the taxation ramifications of money coming out. Withdrawals from a spia, variable annuity and VA with rider. This is a non qualified Annuity.
by pablolo
Sun May 22, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 97
Views: 13090

Re: Experience with Honda airbag recall?

I was in Florida vacationing when the recall started. I was able to rent a SUV with back seats down for my 2 dogs. The manager was very accommodating.. I left Florida in end of April and had to return the rental.and drove my fit back to nh. Now I'm trying to find a rental agency. Enterprise that wil...
by pablolo
Sat May 21, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: windows 10
Replies: 4
Views: 561

windows 10

I just upgraded to windows 10. Is there a secure website I can go to to check the speed of my computer and if there are any issues that need to be updated? I am not very computer savvy. thank you so much in advance.
by pablolo
Thu May 19, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Magic Android TV box
Replies: 3
Views: 530

Magic Android TV box

Does anyone have this TV box? Can you cancel cable?
by pablolo
Sat May 14, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: dog stepper or ramp for car.
Replies: 3
Views: 384

dog stepper or ramp for car.

fellow bogleheads,I am seeking your suggestions to help me decide whether to buy a dog stepper or ramp for my arthritic dog. I have a Honda fit.
by pablolo
Wed May 11, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Advice for a dog bed
Replies: 12
Views: 1697

Advice for a dog bed

My 55 lb. Dog has arthritis and I will be buying an orthopedic type bed for her. Does anyone have any recommendations? Thank you
by pablolo
Sat May 07, 2016 1:54 am
Forum: Investing - Theory, News & General
Topic: a math question
Replies: 6
Views: 918

a math question

How long would 120k last if it earns 3.25% annually and 5% is withdrawn each year?
by pablolo
Sun May 01, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: Siesta Key later this month -recommendations
Replies: 16
Views: 1473

Re: Siesta Key later this month -recommendations

Just got back from staying 4 months in Sarasota. Anna Maria is only 22 miles from Siesta Key. Anyway,we loved Rosebud's restaurant about 8 miles south on RT 41 and Yoder's, an Amish restaurant on Bahia vista road
by pablolo
Wed Apr 20, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Driving from Sarasota to NH.
Replies: 6
Views: 574

Re: Driving from Sarasota to NH.

Thanks for the input. I will be leaving around 9am on a Saturday with 2 stop overs and arrive in NH Mon.night
by pablolo
Wed Apr 20, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Driving from Sarasota to NH.
Replies: 6
Views: 574

Driving from Sarasota to NH.

Has anyone driven from Florida to NH taking routes 75 to 301 to10 To 295 then 95 North to Richmond, VA then take 64 to RT 81 to 84 ? The rest of route I know. Any replies are greatly appreciated.
by pablolo
Thu Apr 14, 2016 3:36 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Verizon Wireless
Replies: 45
Views: 3736

Re: Alternatives to Verizon Wireless

This thread is wonderful. I have Verizon family plan,unlimited talk,text and 6. GB data for 3 lines with family base. Pay $247 a month sometimes they charge iPhone to iPhone text as data! That's one reason I'm switching
by pablolo
Thu Apr 14, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Verizon Wireless
Replies: 45
Views: 3736

Re: Alternatives to Verizon Wireless

I live in NH.and Verizon unfortunately seems to have the best coverage. No dropped calls
by pablolo
Thu Apr 14, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Verizon Wireless
Replies: 45
Views: 3736

Re: Alternatives to Verizon Wireless

I'm the OP. We have 2 iPhones 6 and one maxx e droid smartphone
by pablolo
Thu Apr 14, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Alternatives to Verizon Wireless
Replies: 45
Views: 3736

Alternatives to Verizon Wireless

I seek bogleheads advice on switching to another carrier other than Verizon. I have a family plan who offers discounts if any? I live in NH. Any suggestions are greatly appreciated
by pablolo
Sat Apr 09, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 97
Views: 13090

Re: Experience with Honda airbag recall?

I had no problems getting a rental when my Honda was recalled. I have 2 dogs and am hesitant about putting them in a rental. Any suggestions?
by pablolo
Wed Feb 10, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating expenses in retirement
Replies: 31
Views: 2368

Re: Estimating expenses in retirement

Google. Blackrock retirement expense worksheet. Very comprehensive !
by pablolo
Thu Jan 21, 2016 9:14 pm
Forum: Personal Consumer Issues
Topic: travel route from nh.to florida
Replies: 8
Views: 620

travel route from nh.to florida

:can anyone suggest a route to Florida that avoids tolls and traffic congestions?
by pablolo
Wed Dec 23, 2015 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: wellesley investor shares
Replies: 10
Views: 1341

Re: wellesley investor shares

I think for someone in retirement in the decumulation phase Wellesley is a viable choice for someone seeking steady reliable income and a one fund choice for simplification.
by pablolo
Tue Dec 22, 2015 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: wellesley investor shares
Replies: 10
Views: 1341

wellesley investor shares

Wellesley has an annualized return of 9.92% since inception 45 years agoI how can this fund produce such solid returns while holding only 59 stocks.? it is not very diversified yet produces stellar returns.
by pablolo
Thu Dec 17, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: safe inexpensive secure password site
Replies: 31
Views: 2228

safe inexpensive secure password site

Any recommendations for a safe free or inexpensive site to secure all my passwords?
by pablolo
Sun Dec 13, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: reinvest or put in money market
Replies: 11
Views: 1300

reinvest or put in money market

As a retiree in the decumulation phase is it better to reinvest dividends and capital gains or send them to a cash account. this pertains to a traditional ira. thank you
by pablolo
Wed Dec 09, 2015 7:56 pm
Forum: Investing - Theory, News & General
Topic: effect of possible rate increase on annuities
Replies: 6
Views: 712

effect of possible rate increase on annuities

If the fed does raise rates next week, say 25 basis points how much would that affect a 100k spia and when would the payout change take effect? should I wait?
by pablolo
Wed Dec 09, 2015 11:07 am
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 154
Views: 31889

Re: If you could have only one fund, what would it be?

retired and conservative. I like wellesley
by pablolo
Sat Dec 05, 2015 11:12 am
Forum: Personal Consumer Issues
Topic: Anna Maria Island
Replies: 19
Views: 2272

Re: Anna Maria Island

I personally love the northern part (anna maria city) beautiful vistas, quiet and slow paced. does get traffic on weekends, but it is paradise
by pablolo
Fri Dec 04, 2015 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy vs VWIAX [Vanguard Wellesley Income]
Replies: 19
Views: 3327

Re: Life Strategy vs VWIAX

what is wellesleys risk or standard deviation? vanguard gives a 3 on a scale of five. not very specific to me
by pablolo
Tue Nov 10, 2015 7:22 pm
Forum: Personal Consumer Issues
Topic: norton vs mc afee
Replies: 17
Views: 1198

norton vs mc afee

Is Norton security better than Mc Afee for a computer?
by pablolo
Sun Nov 01, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard variable annuity with gwlb rider
Replies: 8
Views: 1076

Re: vanguard variable annuity with gwlb rider

yes that is the link.thank you
by pablolo
Sat Oct 31, 2015 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard variable annuity with gwlb rider
Replies: 8
Views: 1076

Re: vanguard variable annuity with gwlb rider

hi krow 36, no. wade did refer me to his article, you can find the article by opening up the archives on left side then select article, then 2012 and finally jan.17. third article is the one on va. by joe Tomlinson. I wish I were more tech savvy.
by pablolo
Sat Oct 31, 2015 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard variable annuity with gwlb rider
Replies: 8
Views: 1076

Re: vanguard variable annuity with gwlb rider

correction. advisorperspectives.com.
by pablolo
Sat Oct 31, 2015 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard variable annuity with gwlb rider
Replies: 8
Views: 1076

Re: vanguard variable annuity with gwlb rider

hey, I fo und a very informative article about vanguard va with rider written by joe Tomlinson on 1/17/2012 at advisor perspectives.org I am unable to link.sorry
by pablolo
Fri Oct 30, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard variable annuity with gwlb rider
Replies: 8
Views: 1076

vanguard variable annuity with gwlb rider

Hi, are there any bogleheads who own a vanguard variable annuity with glwb (secure income) rider who would like to discuss this product. ? Are you happy with it? upsides and downsides of it? I realize it is a complex product so I really would appreciate your input on it . thank you
by pablolo
Thu Oct 29, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 153
Views: 19739

Re: Where to retire in Florida?

bfg, we rent to avoid high insurance prices as well as real estate prices, taxes,etc. we fing good deals through vrbo, but we do hours of research. be well
by pablolo
Fri Oct 23, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 153
Views: 19739

Re: Where to retire in Florida?

AMI has traffic on weekends. so we stay put. northern part( real AMI) is old florida. speed limit 25mph. tranquility and beauty
by pablolo
Thu Oct 22, 2015 7:39 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 153
Views: 19739

Re: Where to retire in Florida?

jimmy d, you got it AMI= paradise on earth.
by pablolo
Wed Oct 21, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: annuity advice
Replies: 6
Views: 1133

Re: annuity advice

hi mel and others. an update. my metlife myga is offering a 3 year fixed rate of 3.25% which equals about 7k a year. this is an interest only monthly payment that equals$583.20 now I have a55% exclusion ratio, but do I lose it if I get interest only income? if I choose a spia with installment my bes...
by pablolo
Mon Oct 19, 2015 7:15 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 153
Views: 19739

Re: Where to retire in Florida?

nobody mentioned one of floridas best kept secrets. in my opinion it is paradise on earth. mums the word
by pablolo
Mon Oct 19, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: stan the annuity man
Replies: 0
Views: 605

stan the annuity man

has anyone used te services of stan the annuity man to purchase an annuity or to do a 1035 exchange.? thank you
by pablolo
Thu Jul 30, 2015 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Novice needs help understanding ING Annuity
Replies: 26
Views: 3782

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: 2309

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: 386

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: 6
Views: 1133

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: 6
Views: 1133

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: 1730

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: 1799

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: 1528

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: 720

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: 7196

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: 7196

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: 7196

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

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