Search found 261 matches

by pablolo
Wed Apr 26, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: grandparent college loan options
Replies: 16
Views: 879

Re: grandparent college loan options

great ideas. I just remembered I have some 25 year old ee saving bonds. if used for education they are tax free. what websites can lead me to find unclaimed scholarships? book?
by pablolo
Wed Apr 26, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: grandparent college loan options
Replies: 16
Views: 879

grandparent college loan options

hello. one grandchild will start her freshman year full time this fall. I have a small 529 plan to help. are there any decent low interst rate loans that I could apply for to supplement the 529 plan? thank you
by pablolo
Fri Apr 07, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Best deals using restaurant apps
Replies: 4
Views: 635

Best deals using restaurant apps

I have a McDonald's app and after I buy five McCafes I get a free one any size. So I buy 5 $1 coffees and get a free $3 McCafe. Do you bogleheads know of other deals (Starbucks,etc) that rewards you with deals similar to Mickey D?
by pablolo
Sat Apr 01, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Master directory [for important documents]
Replies: 8
Views: 582

Re: Master directory

prudent,yes fidsafe fits the bill. do you have to have an account at fidelity to use it? I just want simplicity. least amount of pages to fill in pertaining to what should go into estate planning documents. what about digitized ? thank you
by pablolo
Sat Apr 01, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Master directory [for important documents]
Replies: 8
Views: 582

Re: Master directory

I wish to organize all my estate planning documents onto a few pages to fill in the information and to digitize it also for my heirs
by pablolo
Sat Apr 01, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: Master directory [for important documents]
Replies: 8
Views: 582

Master directory [for important documents]

Is there a website or link that I can use to group together all my important financial, legal documents ?
by pablolo
Wed Mar 29, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: quickest or best way to learn Spanish?
Replies: 39
Views: 2711

Re: quickest or best way to learn Spanish?

Go to a Spanish speaking country for total immersion. Also,watch bilingual programs. Mucha suerte
by pablolo
Fri Mar 17, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1956

Re: help with my printer problem

Is the $49.99 brother black laser jet printer compatible with Windows 10 and my 2 year old Dell Inspiron small desktop 3646?
by pablolo
Wed Mar 08, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1956

Re: help with my printer problem

I use only the black inkjet cartridge. I called Hewlett-Packard and they said I need a new printer. Recommend ED the. HP ND. Wired. It's $59.99 on sale this week at Best buy.
by pablolo
Wed Mar 08, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1956

help with my printer problem

I have a 15 year old hp 300 desk series printerthat is not printing. I ran the diagnostics and it saidusb composite device is an older usb device and might not work with usb3.0 I am not very tech savvy. should I buy a 3.0 usb cable or just buy a new hp printer for $59 at best buy.? I seldom use it ....
by pablolo
Thu Feb 16, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Discount travel specials
Replies: 0
Views: 205

Discount travel specials

Are there any websites that offer last minute travel discount deals with flight ,hotel or packages? Thank you
by pablolo
Tue Feb 14, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Parents variable annuity 1035 to vanguard
Replies: 8
Views: 669

Re: Parents variable annuity 1035 to vanguard

I am not the OP,but I am curious to know if there are any variable annuities with an. Without the secure income rider glwb that have lower fees than vanguard?
by pablolo
Tue Feb 14, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Schwab
Replies: 15
Views: 1007

Re: Schwab

I wish to keep Wellesley and short term investment grade bond fund.
by pablolo
Tue Feb 14, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Schwab
Replies: 15
Views: 1007

Re: Schwab

My Tira is with vanguard.
by pablolo
Tue Feb 14, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Schwab
Replies: 15
Views: 1007

Re: Schwab

TD ameritrade and fidelity is 15 miles away. Main reason is simplicity for heirs down the road and service
by pablolo
Tue Feb 14, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Schwab
Replies: 15
Views: 1007

Schwab

I spoke with Schwab yesterday about rolling over my Tira to them. They said I could keep the 2 funds but the funds would be investor share not admiral one fund will go up from .15to .22 and the other would double from .10 to.20.there would be no other fees. Does that seem reasonable. I am considerin...
by pablolo
Sun Feb 12, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 68
Views: 6735

Re: Charles Schwab Experiences?

What does it cost to buy vanguard etf s at Schwab?
by pablolo
Sat Feb 11, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: santander bank bonus
Replies: 13
Views: 1774

Re: santander bank bonus

According to doctor of credit this offer is available nationwide. So I believe that means it is not a targeted offer
by pablolo
Fri Feb 10, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: santander bank bonus
Replies: 13
Views: 1774

Re: santander bank bonus

I went to bank today.and signed up easy process. Brought the promotion coupon . Thanks
by pablolo
Thu Feb 09, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: santander bank bonus
Replies: 13
Views: 1774

santander bank bonus

Has anybody signed up for the new Santander bank bonus?
by pablolo
Fri Nov 25, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer credit help
Replies: 4
Views: 362

Re: Consumer credit help

Yes. That is it. Thanks so much
by pablolo
Fri Nov 25, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer credit help
Replies: 4
Views: 362

Re: Consumer credit help

No this is counseling for small debt issues. I can't recall the name.
by pablolo
Fri Nov 25, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer credit help
Replies: 4
Views: 362

Consumer credit help

What agency/website can people who have consumer debt issues go to for help.? Thank you
by pablolo
Wed Nov 16, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Tax credit question
Replies: 6
Views: 651

Re: Tax credit question

Cost of the windows alone are $ 700 .yes they are energy Star
by pablolo
Wed Nov 16, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tax credit question
Replies: 6
Views: 651

Re: Tax credit question

:sharebeer So the $200 non refundable tax credit will be deducted from my tax liability. Thank you
by pablolo
Wed Nov 16, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Tax credit question
Replies: 6
Views: 651

Tax credit question

I am eligible for a $1350 tax credit in 2016 because I had energy efficient Windows installed. So will I get $1350 back next year on my taxes. If I do then it is free money because it cost me 0 to install these windows. Is my thinking correct?
by pablolo
Mon Oct 17, 2016 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rmd [Required Minimum Distribution - how often taken?]
Replies: 12
Views: 1302

Re: Rmd

Rudy,when you reinvest you mean into an outside taxable account,correct? Can you amplify on qualified charitable distributions? Thanks
by pablolo
Mon Oct 17, 2016 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Rmd [Required Minimum Distribution - how often taken?]
Replies: 12
Views: 1302

Re: Rmd

RudyS wrote:Depends on whether you will use(spend) the RMD or reinvest it. I take mine late in the year as a lump because I reinvest it, and this way the money in the IRA (supposedly) keeps growing till I take the RMD. Off topic, but don't forget the qualified charitable distributions.
by pablolo
Mon Oct 17, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Rmd [Required Minimum Distribution - how often taken?]
Replies: 12
Views: 1302

Rmd [Required Minimum Distribution - how often taken?]

How do bogleheads take their rmds Lump sum, monthly . quarterly or semiannually?
by pablolo
Thu Oct 06, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Math problem
Replies: 17
Views: 1275

Re: Math problem

How can it last forever if more money is withdrawn than earned each year.
by pablolo
Thu Oct 06, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Math problem
Replies: 17
Views: 1275

Math problem

How long will 119k that earn s 3℅ a year and 5℅ is withdrawn a year last? Can somebody please show annual balances ? Thanks
by pablolo
Thu Sep 15, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of a non qualified Annuity
Replies: 9
Views: 935

Re: Taxation of a non qualified Annuity

I get it. Thanks again for helping me.
by pablolo
Thu Sep 15, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of a non qualified Annuity
Replies: 9
Views: 935

Re: Taxation of a non qualified Annuity

Mel,my understanding is taking withdrawal s from a va that is non qualified will result in part of the withdrawal will be non taxable.
by pablolo
Thu Sep 15, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of a non qualified Annuity
Replies: 9
Views: 935

Re: Taxation of a non qualified Annuity

NuiThanks. So the only ways to enjoy some favorable tax benefit are to annuitize or do a 1035 exchange to a variable annuity?
by pablolo
Tue Aug 02, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Southwest international vacation packages
Replies: 0
Views: 724

Southwest international vacation packages

We have some Southwest loyalty points.. has any boglehead traveler ever used this program for international travel packages and what were your experiences in your destinations? Ty
by pablolo
Tue Jul 26, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Vacationing in the Caribbean
Replies: 26
Views: 2945

Re: Vacationing in the Caribbean

Taylor and others, thank you for your very interesting and informative replies. I hope more people respond.
by pablolo
Sun Jul 24, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Vacationing in the Caribbean
Replies: 26
Views: 2945

Vacationing in the Caribbean

Never been to Caribbean. For those who have what were your favorite destinations? We are 2 seniors who love quiet beaches..
by pablolo
Tue Jul 19, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Microsoft's latest "force Win10" tactic?
Replies: 22
Views: 2758

Re: Microsoft's latest "force Win10" tactic?

im trying to upgrade to windows 10 from windows 7 and and nothing happens. it keeps going in circles. second day with this dance.
by pablolo
Thu Jul 14, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: First trip to Hawaii
Replies: 15
Views: 1514

First trip to Hawaii

Dear bogleheads,we are seeking input regarding vacationing in Maui. What months are more favorable? Are there rainy seasons? East side of island? West side.? 2 people starting out from nh.
by pablolo
Fri Jun 24, 2016 9:00 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 153
Views: 33776

Re: Experience with Honda airbag recall?

I just got my airbag replaced today after renting a car for 38 days. Everything went smoothly. The Honda dealership where I bought my car, a 2013 Honda fit automatic offered me a chance to buy a new 2016 Honda fit for $ 15600. I bought my car in December 2013 for 15300.
by pablolo
Sun Jun 19, 2016 12:08 am
Forum: Personal Consumer Issues
Topic: At&t Wireless and direct tv
Replies: 1
Views: 303

At&t Wireless and direct tv

I'm thinking about switching to at&t wireless & direct TV to save money.at&t owns direct TV. Has anyone done this? Your responses are greatly appreciated
by pablolo
Wed May 25, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: Pet friendly hotels no fees
Replies: 8
Views: 852

Pet friendly hotels no fees

Besides la Quinta, are there any other motel chains that don't charge any additional fees for bringing dogs?
by pablolo
Tue May 24, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of a non qualified Annuity
Replies: 9
Views: 935

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: 153
Views: 33776

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: 689

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: 671

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: 453

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: 1931

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: 1081

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: 1841

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

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