Search found 27 matches

by Johio
Thu Aug 15, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Niece divorce - house questions
Replies: 44
Views: 3985

Re: Niece divorce and house

Thanks for the responses, and she engaged an attorney at the beginning of the process. My reason in asking for some insight is a tiny voice in the back of my head is telling me she might come to me (actually my wife) asking for money.... My wife and I already agreed on the answer, if asked, is no.
by Johio
Mon Jul 01, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 9109

Re: Frontier or Spirit Airlines

DW and I have flown both Frontier and Spirit, 2 1/2 hr each way. I will never fly Spirit again. Dirty, seats astonishingly uncomfortable, and our experience has been that their departure times are mere suggestions. Frontier is marginally better, but not by much. At various times of the year, Southwe...
by Johio
Wed Dec 26, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Niece divorce - house questions
Replies: 44
Views: 3985

Niece divorce - house questions

[See my post below regarding the username. --admin LadyGeek] My niece is in the midst of a divorce. Their house is in her husband's name, as is the mortgage. He purchased it about 3-4 months prior to their marriage. I believe her first choice is to keep the house, but she is a bit unsure as to her ...
by Johio
Sun Dec 02, 2018 7:23 pm
Forum: Personal Investments
Topic: Vanguard Automatic Withdrawal feature - how does it work?
Replies: 1
Views: 537

Re: Vanguard Automatic Withdrawal feature - how does it work?

I am set up for auto withdrawal with Vanguard. When you log on, under the My Accounts tab you will see a topic called Account Maintenance. Click on that, you will see a topic called Automatic Withdrawal. Click on that, then set up the specified monthly amount from the account you wish to withdraw fr...
by Johio
Thu Oct 18, 2018 5:59 pm
Forum: Personal Investments
Topic: Question on Total Bond Mkt or Treasuries for RMD in 3 years
Replies: 1
Views: 276

Question on Total Bond Mkt or Treasuries for RMD in 3 years

My RMD's begin in about 3 1/2 years. Vanguard Total Bond Market comprises about 40% of my IRA, the other 60% split about evenly between Wellesley and Wellington. I am fortunate that the TBM amount (as of today) can fund about 8-9 years of RMD's, so that I don't need to touch the Wellesley or Welling...
by Johio
Wed Aug 15, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1735
Views: 193515

Re: [What TV Show Have You Recently Watched?]

In the last few months I have watched Bosch, Goliath, Inspector Lewis, DI Banks, and Bailey & Scott. Now in the midst of watching NYPD Blue, which is an amazing series. Longmire is also worth watching, as is Hell on wheels.
by Johio
Tue Aug 07, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 38
Views: 5384

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

Unfortunately in Florida, workers with no license or insurance is pretty common, and was made worse with the influx of trade folks after hurricane IRMA. I, and most of my neighbors, have opted to hire only folks who are licensed and insured - and current with both. In fact, it seems a growing number...
by Johio
Mon Jul 16, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 2341

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

We flew to Anchorage. Next day, took a day trip to Katmai National Park to see the bears at Brooks Falls. You can research and sign up for this prior to arriving, which is necessary given the crowds in summer. You will leave Anchorage pretty early, fly to a small town (King Salmon I think), get on a...
by Johio
Tue Jun 19, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: ARM options, thought process
Replies: 8
Views: 1026

ARM options, thought process

I have an ARM at 3.75% that will be eligible for rate change in 2022. While I certainly can't predict future rate trends, it seems like my rate would rise, perhaps significantly, in 2022. The loan amount is about 50% of the current market value, I have no other debt, and could pay off the loan witho...
by Johio
Tue Apr 17, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 1448

Re: underwater camera advice

Thanks to all for the suggestions...
by Johio
Tue Jan 09, 2018 5:45 pm
Forum: Personal Investments
Topic: Should we keep this variable annuity?
Replies: 65
Views: 5545

Re: Should we keep this variable annuity?

I had a variable annuity from MetLife (Brighthouse), similar to what you describe. The annual fees were, if I recall correctly, just above 3%. Mine only had a 4 year surrender period, so as part of moving all my assets from Merrill Lynch to Vanguard, I told my ML guy to get me out of the annuity, re...
by Johio
Thu Dec 07, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Medicare Part D selection for my Mother in Law
Replies: 23
Views: 2156

Re: Question about Medicare Part D selection for my Mother in Law

My wife and I have used Silverscript for Part D for the last couple years. So far, great service and no problems with mail order delivery. They use Caremark as their fulfillment company, and I have found Caremark's website to be very easy to use. Neither of us get close to the donut hole, so I canno...
by Johio
Thu Dec 07, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 28780

Re: Do people still use AAA?

I have been a member of AAA for 25+ years. I used their battery service twice in the last year, very responsive and relatively inexpensive. We have used their maps, tour guides, and other travel related information for years. Very happy with them, felt better knowing my son had it when he first star...
by Johio
Tue Oct 31, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Use Time Warner for home phone vs ATT
Replies: 9
Views: 1161

Use Time Warner for home phone vs ATT

I am one of the few people left who has a landline. We have Time Warner for cable and Internet, and phone service is available through them, but I have been reluctant to get rid of ATT due to fear that if cable is out I have no phone. I think my fear is a bit unwarranted since cable is up most of th...
by Johio
Sat Oct 28, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 3089

VG free turbo tax?

I am relatively new to VG flagship level, and I think I read on this board that at some point VG flagship members got a free version of turbo tax. True?
by Johio
Sat Oct 14, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 77
Views: 10487

Re: Medicare Advantage vs. Supplemental

MA plans are usually network based, while Medicare Supplement plans allow you to see any physician that accepts Medicare. For me the choice was pretty simple - I spend some time in Florida each year, so Medicare Supplement plan allows me to see a doctor in either my home state (OH) or Florida, as lo...
by Johio
Tue Aug 22, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 49
Views: 4376

Re: Can you recommend a good mouse trap?

I have used these - like everyone else, use peanut butter. This trap kills the mice, but very easy to use.
https://www.amazon.com/D-Con-Ultra-Set- ... mouse+trap
by Johio
Sun Jul 30, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D: Silverscript Choice vs Plus Plan
Replies: 3
Views: 1841

Re: Medicare Part D: Silverscript Choice vs Plus Plan

I have Silverscript choice and their explanations agree with your assessment - the difference between the two comes into play if/when you are subject to the donut hole...
by Johio
Sat Jul 15, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 4417

Re: Apple iMac problem?

I have both a MBP and 27" iMac... The MBP is mid 2014 build, 16 GB memory and SSD. I have had the spinning rainbow, but very rarely, and I attributed it to periodic slow wireless. Mac is a bit newer, 32GB, also SSD, no spinning rainbow. Both have i7 processor.
by Johio
Thu May 18, 2017 5:58 pm
Forum: Personal Investments
Topic: At crossroads with Annuity
Replies: 21
Views: 2711

Re: At crossroads with Annuity

The annual fees are the killer. I had two variable annuities - a stupid decision. I got out of both after the surrender penalty timeframe was over. I was paying somewhere around 3.5% annually.
by Johio
Thu May 18, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 14609

Re: Question for you high net worth individuals...

Zero. I live in the Midwest. If housing prices rise 5% in the next 5 years we will be lucky...
by Johio
Wed May 17, 2017 6:51 pm
Forum: Personal Investments
Topic: FNMA bond options - broker can't sell it
Replies: 4
Views: 613

Re: FNMA bond options - broker can't sell it

Thank you for the quick responses. This bond was one of several that the broker put in my wife's IRA. All but this one transferred to Vanguard, and of those I was able to sell all but one. She turns 65 this year, so 70 1/2 isn't too far away, but having to keep that account open at the broker for an...
by Johio
Sat Apr 22, 2017 7:12 am
Forum: Personal Investments
Topic: Xfr from ML to Vanguard, when does cost data come over?
Replies: 4
Views: 670

Xfr from ML to Vanguard, when does cost data come over?

I am in the midst of moving assets from ML to Vanguard, some cash and some in-kind. For the in-kind assets, how long after the funds show up at Vanguard does the cost information come over from ML? Additionally, how will I know the cost data has arrived, and is there someplace on the Vanguard websit...
by Johio
Mon Apr 17, 2017 6:21 pm
Forum: Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 42500

Re: Vanguard Customer Service

I have had money with Vanguard for 20+ years and have not had much need to contact their customer service. Made the decision recently to move from Merrill Lynch to Vanguard. Before committing I called Vanguard and had multiple conversations with one of their account reps, and a very good discussion ...
by Johio
Mon Apr 17, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Best cruise
Replies: 50
Views: 5845

Re: Best cruise

We took a week long cruise last summer to Alaska. Loved it. Spent a lot of time on cruisecritic.com, very helpful. Life is short, don't wait 5 years...go now...
by Johio
Sun Mar 12, 2017 7:02 pm
Forum: Personal Investments
Topic: Does ML charge extra fees
Replies: 2
Views: 583

Does ML charge extra fees

I am beginning the process of moving all my ML assets to Vanguard. Ideally I would like to have ML sell all investments in my and my wife's IRA's. I pay a monthly asset management fee. If I ask them to reduce all the IRA investments to cash, will they charge me transaction fees in addition to my mon...
by Johio
Sun Mar 12, 2017 1:02 pm
Forum: Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 9892

Re: 28yo, New Millionaire, Advice on Wealth Management

First, congratulations on selling your business. I concur with what others have said here - if you are smart enough to create a business and sell it, you are smart enough to manage your money. I made the mistake of paying a large brokerage firm just over 1% in annual fees until I woke up and realize...