Search found 299 matches

by pablolo
Wed Jul 11, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Starbucks Chase Visa cards
Replies: 5
Views: 464

Re: Starbucks Chase Visa cards

Thank you for the heads up I definitely won't apply
by pablolo
Wed Jul 11, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Starbucks Chase Visa cards
Replies: 5
Views: 464

Starbucks Chase Visa cards

If I apply for card issued by Chase and I get denied because of the 5/24 rule will I still be charged with a hard-hit? Thank you
by pablolo
Fri Jun 01, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: 8000 BTU window ac
Replies: 5
Views: 610

Re: 8000 BTU window ac

Thanks for the recommendation
by pablolo
Thu May 31, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: 8000 BTU window ac
Replies: 5
Views: 610

8000 BTU window ac

Hi you do any Bogle heads have a recommendation for an 8000 BTU window air conditioner
by pablolo
Thu Apr 12, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $23,000 in EE US savings bonds in Treasury Direct?
Replies: 4
Views: 583

Re: What to do with $23,000 in EE US savings bonds in Treasury Direct?

I have 45 ee savings bonds purchased in 1991 and 1992 I have them all at savingsbonds.com this website gives a thorough analysis of each Bond and color codes the bonds so you know when to cash them šŸ˜€
by pablolo
Thu Apr 05, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Help with math problem
Replies: 7
Views: 861

Re: Help with math problem

Yes, I meant earns 4% constantly for 10 years and I withdraw 5% a year. Divided by 12 months
by pablolo
Thu Apr 05, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Help with math problem
Replies: 7
Views: 861

Help with math problem

What would $118,600 earning4% a year for 10 years while taking out 5% monthly for ten years look like from years 1 through 10 ? Thank you
by pablolo
Sat Mar 24, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term care should I lengthen my elimination. period
Replies: 10
Views: 821

Re: Long-term care should I lengthen my elimination. period

Thank you for that clarification. Looking at Future cost I figured I can self pay for 365 days waiting./ Elimination. Period
by pablolo
Sat Mar 24, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term care should I lengthen my elimination. period
Replies: 10
Views: 821

Long-term care should I lengthen my elimination. period

I have long-term care insurance and I'm thinking of changing my elimination period from 90 days to 180 or maybe 365 days for nursing home Medicare will cover the first hundred days if I were to leave a hospital and go directly into a nursing care facility I can self pay if I extend the waiting. I wi...
by pablolo
Wed Mar 21, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 15
Views: 1772

Re: Xfinity Mobile ?

Is this a two year contract and is it an unlocked phone
by pablolo
Fri Mar 09, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Credit card question
Replies: 3
Views: 431

Credit card question

Which credit cards offer the best coverage for trip cancellation thank you
by pablolo
Wed Mar 07, 2018 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Need spreadsheet help with vanguard variable annuity
Replies: 7
Views: 648

Re: Need spreadsheet help with vanguard variable annuity

Are there any studies that show when is the best time to take withdrawals? I
by pablolo
Tue Mar 06, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Need spreadsheet help with vanguard variable annuity
Replies: 7
Views: 648

Re: Need spreadsheet help with vanguard variable annuity

Thanks kevin.yes the vva balanced sub account is what I'm looking at. I wanted to see how it performed in different market cycles. I will input my data at portfolio visualier
by pablolo
Mon Mar 05, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need spreadsheet help with vanguard variable annuity
Replies: 7
Views: 648

Re: Need spreadsheet help with vanguard variable annuity

I am not very computer literate and am unfamiliar with spreadsheet s. Thanks anyway
by pablolo
Mon Mar 05, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need spreadsheet help with vanguard variable annuity
Replies: 7
Views: 648

Need spreadsheet help with vanguard variable annuity

I'm trying to figure out how the Vanguard variable annuity invested in its balanced fund performed from January 1st 2008 until December 31st 2017 the data I am using is 100000 initially invested and a fixed percentage of 5% or $5,000 is withdrawn each year I think the expense ratio of the fund is .5...
by pablolo
Sun Mar 04, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 180
Views: 21508

Re: Torn between Vanguard, Fidelity and Schwab

I have two Vanguard mutual funds in a Vanguard traditional IRA if I transfer the funds to Schwab as a direct rollover I still retain Admiral shares prices the downside is if I buy more shares that cost up to $78 Commission
by pablolo
Thu Mar 01, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for 2 grandchildren
Replies: 2
Views: 229

Roth IRA for 2 grandchildren

I have to 19 year old grandchildren who are going to college and work part-time and I want to know where they can open up a low minimum Roth IRA thank you
by pablolo
Mon Feb 26, 2018 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer ira question
Replies: 6
Views: 385

Re: Transfer ira question

I have Wellesley income fund and short term investment grade fund
by pablolo
Mon Feb 26, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer ira question
Replies: 6
Views: 385

Re: Transfer ira question

I'm taking lump sum rmds every January
by pablolo
Mon Feb 26, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer ira question
Replies: 6
Views: 385

Transfer ira question

If one transfers a Tira from vanguard to Schwab or fidelity can you keep the vanguard funds and still maintain the vanguard expensa ratio? Any down side?
by pablolo
Sat Feb 24, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: seeking advice regarding an annuity
Replies: 3
Views: 478

seeking advice regarding an annuity

I own a 3year fixed myga earning 3.25 % with Brighthouse(metlife). current value is 118k (50% exclusion ratio. I also have 3 spias= social security, pension and spia with another insurance company. I do not wish to annuitize the 118k when annuity contract expires in a few months. I'm taking interest...
by pablolo
Sat Feb 24, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: 3 month t-bill
Replies: 3
Views: 444

3 month t-bill

the latest figure I have for the 3 month t bill is 1.64. my question is: Is the interest on the tbill credited upfront or at end of 3 months? thank you
by pablolo
Mon Feb 19, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Canada.vet
Replies: 0
Views: 195

Canada.vet

Has anyone used Canada vet for their pets
by pablolo
Wed Jan 17, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Spend thrift trust
Replies: 3
Views: 414

Spend thrift trust

Hi there any estate planning attorneys who can give me some ideas to phrase a spendthrift trust that I need created for my son I'm looking for some ideas and how to do this when I meet with an estate planning attorney and I would like extra pinions thank you s
by pablolo
Sat Dec 30, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Top load washing machine
Replies: 11
Views: 1336

Top load washing machine

Hi my 12 year old get washer needs it's first repair. Water doesn't stop when filling the washer does anybody have any recommendations for an inexpensive top load machine.? Consumer reports best buy? Thanks
by pablolo
Sun Dec 17, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 25
Views: 3220

Re: Takata Airbag Class Action Settlement

I filled out the simple form. Deadline is Jan 18,2018. I have a Honda. I will receive close to $500
by pablolo
Thu Aug 10, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 3645

Re: Trip Cancellation Insurance.

We are driving to Florida in February and rented a house for 7 weeks thru VRBO (home away) for for $7400. This is covered 100% until nov.30 after November 30 we want to get trip cancellation insurance for peace of mind. We don't need health insurance.
by pablolo
Thu Aug 10, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 3645

Trip Cancellation Insurance.

We recently booked a 7 week vacation through homeaway. Home away offers trip insurance . AAA does too and we are wondering if any credit cards offer it too.BH travelers,. What do you use?
by pablolo
Mon Jul 24, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost Roth IRA contribution
Replies: 13
Views: 1302

Re: Low cost Roth IRA contribution

Schwab requires 1k minimum to open Roth IRA,but will waive it if investor agrees to sign up for automatic monthly contributions of $100
by pablolo
Sun Jul 23, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost Roth IRA contribution
Replies: 13
Views: 1302

Re: Low cost Roth IRA contribution

Thanks for the suggestions. Vanguard looks very promising for someone starting out and no inactivity fee.
by pablolo
Sun Jul 23, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost Roth IRA contribution
Replies: 13
Views: 1302

Low cost Roth IRA contribution

Which mutual fund companies offer low cost amounts for a working 18 year old to start a new Roth IRA?
by pablolo
Mon Jul 03, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buy health insurance for one week in Cancun?
Replies: 12
Views: 1634

Buy health insurance for one week in Cancun?

Going to Cancun, Mexico for 1 week after Thanksgiving. Medicare doesn't cover international locations. My back up federal health insurance plan (apwu---cigna) covers me but they said I may have to pay and then get reimbursed. Should I buy a separate one week policy in case of a major health issue? T...
by pablolo
Tue Jun 27, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 10
Views: 1358

Pet insurance

Does anybody use canine insurance? Pros? Cons? Anyone have nationwide pet insurance?
by pablolo
Mon Jun 19, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Problem with SavingsBonds.com
Replies: 8
Views: 1516

savings bonds. com

still no update regarding SavingsBonds.com website.
by pablolo
Sun Jun 04, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: Problem with SavingsBonds.com
Replies: 8
Views: 1516

Re: Problem with SavingsBonds.com

They keep track of my paper ee bonds and each month update the new value of bonds and color code bonds so l know which bonds to redeem and not lose any interest.
by pablolo
Sun Jun 04, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Problem with SavingsBonds.com
Replies: 8
Views: 1516

Re: Problem with SavingsBonds.com

Thanks for the update. I can't even find their phone number.
by pablolo
Sun Jun 04, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Problem with SavingsBonds.com
Replies: 8
Views: 1516

Problem with SavingsBonds.com

I am unable to link to savingsbonds.com this month . Anyone else having issues?
by pablolo
Wed May 17, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 35147

Re: Capital One 360 $200 bonus

I had an account 15 years or so ago with orange something savings or checking so I did not qualify.
by pablolo
Wed Apr 26, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: grandparent college loan options
Replies: 16
Views: 1407

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: 1407

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: 885

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: 1015

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: 1015

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: 1015

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: 4535

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: 2905

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: 2905

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: 2905

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: 320

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: 1070

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?