Search found 226 matches

by pablolo
Tue Jul 26, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Vacationing in the Caribbean
Replies: 22
Views: 2168

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: 22
Views: 2168

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: 2477

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: 1225

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: 116
Views: 21435

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: 223

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: 726

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: 4
Views: 367

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: 116
Views: 21435

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: 627

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: 609

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: 412

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: 1791

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: 968

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: 1596

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: 614

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: 614

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: 47
Views: 4340

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: 47
Views: 4340

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: 47
Views: 4340

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: 47
Views: 4340

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: 116
Views: 21435

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: 2471

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: 689

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: 1384

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: 1384

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: 2396

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: 1385

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: 750

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: 32574

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: 2379

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: 3584

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: 1260

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: 1138

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: 1138

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: 1138

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: 1138

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: 1138

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: 20634

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: 20634

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: 20634

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: 1174

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: 20634

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: 623

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: 4104

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: 2398

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: 405

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: 1174

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: 1174

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: 2196

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

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