Search found 241 matches

by pablolo
Fri Nov 25, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer credit help
Replies: 4
Views: 258

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: 258

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: 258

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: 565

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: 565

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: 565

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: 1104

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: 1104

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: 1104

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: 1169

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: 1169

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: 804

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: 804

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: 804

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: 535

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: 2794

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: 2794

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: 2639

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: 1383

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: 152
Views: 30565

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: 259

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: 793

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: 804

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: 152
Views: 30565

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: 672

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: 657

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: 425

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: 1871

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: 1005

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: 1725

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: 652

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: 652

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: 4699

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: 4699

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: 4699

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: 4699

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: 152
Views: 30565

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: 2654

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: 777

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: 1427

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: 1427

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: 2592

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: 1443

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: 794

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: 33745

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: 2476

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: 3936

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: 1339

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: 1173

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: 1173

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.

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