Search found 310 matches

by Sally
Fri Jan 01, 2021 9:47 pm
Forum: Personal Consumer Issues
Topic: Thoughts on iPhone 12? (replacing iPhone 6)
Replies: 62
Views: 4760

Re: Thoughts on iPhone 12? (replacing iPhone 6)

Ditto some of the comments above. I replaced an iPhone X (nephew happy to upgrade from his 6 to my X) with the new 12 pro max. Camera is better, 5g nice to have, and batter life much better than I had been getting on the X.
by Sally
Tue Sep 08, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Trip to Key West
Replies: 25
Views: 2514

Re: Trip to Key West

Golf carts also available and very do-able...
by Sally
Tue May 26, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: How Will Corona Virus affect the Real Estate Market ?
Replies: 53
Views: 6029

Re: How Will Corona Virus affect the Real Estate Market ?

Location may make a big difference. I had a house in Sussex County (lower, slower) Delaware, in a small town within a couple of miles of the beach. I put it on the market a few weeks ago and had multiple offers within 3 days (No, it was not priced too low--in fact, it was on the high side, but still...
by Sally
Mon Jan 14, 2019 10:14 pm
Forum: Personal Investments
Topic: Planning to transfer assets from Vanguard to Fidelity, any bonus
Replies: 12
Views: 1887

Re: Planning to transfer assets from Vanguard to Fidelity, any bonus

Ask your rep, they can often get bonuses authorized (even when not advertised). Has worked for me.....
by Sally
Fri Aug 11, 2017 1:29 am
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 3288

Re: Warm Place for Thanksgiving family reunion

Check out Anna Maria Island, Florida gulf coast or if you want more razzmatazz try Clearwater Beach. Fly into Tampa for either...beautiful beaches, reasonable prices for rental homes, etc.
by Sally
Wed Aug 02, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 183157

Re: How much money do you need to retire?

Wow, what I need and what I want during retirement so as "not to worry" differs. My not to worry number was $5.5 mil plus pension. My need was probably much lower.
by Sally
Sun Jun 19, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: FICO score drops
Replies: 9
Views: 1703

FICO score drops

My FICO score dropped this month because I no longer have any mortgages (or installment loans)....16 points drop. Says that the drop is because there is now insufficient information on how I handle installment type loans--paid off mortgages over 7 years ago and only maintain on record if something w...
by Sally
Thu May 26, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire before normal retirement age?
Replies: 93
Views: 18915

Re: Did you retire before normal retirement age?

#4 (and 3 allowed this) at age 52.

No regrets!! Fortunate and thankful that I was able to do so.
by Sally
Thu Sep 10, 2015 6:50 am
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you freeze your credit?
Replies: 58
Views: 6406

Re: POLL: Do you freeze your credit?

Yes...easy to get one time, limited checks when needed. Frozen since 2005 or 2006....
by Sally
Mon Apr 27, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Help re Car [convertible]
Replies: 43
Views: 5778

Re: Help re Car

wow...thx for info on mazda....bc it was in 2003-2005 timeframe that it was not good
by Sally
Thu Apr 23, 2015 6:40 pm
Forum: Personal Consumer Issues
Topic: Help re Car [convertible]
Replies: 43
Views: 5778

Re: Help re Car

Since I am looking at new vs used (because I am not mechanically savvy enough to buy used), I am going out looking at each of the cars suggested especially the Miata and Ford Mustang...and will do more online research! We were previously disappointed with a Mazda product; but so many positive commen...
by Sally
Sun Apr 19, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Help re Car [convertible]
Replies: 43
Views: 5778

Help re Car [convertible]

Okay....first, I am DUMB when it comes to cars...but, I have decided that since I now live in paradise, I would like a convertible--reliable, reliable, easy maintenance convertible....at a reasonable price. Any ideas where to start--???? What make, model or any other suggestions would be wonderful.....
by Sally
Sat Sep 13, 2014 7:00 pm
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 2335

Re: Retiree Poll: Do you own your primary residence?

Yes, and have for many years. But now the ultimate goal is not to own anything other than index funds and my Honda Element. So hopefully not for long....
by Sally
Mon Jun 23, 2014 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Brokerage
Replies: 1
Views: 481

USAA Brokerage

I received a letter today stating changes to USAA brokerage along with new commission schedule. The schedule says, "Commissions may vary by incentive program or arrangement." I presume this means that like the banking side of USAA, now you have to negotiate annually or more often to get US...
by Sally
Tue Apr 01, 2014 6:39 pm
Forum: Investing - Theory, News & General
Topic: How Many Properties Do You Own?
Replies: 19
Views: 2965

Re: How Many Properties Do You Own?

I included primary home, rental houses (2 seasonal rentals), farm rental, and raw land/lots.
by Sally
Mon Mar 31, 2014 4:34 pm
Forum: Personal Consumer Issues
Topic: Retired: When to move?
Replies: 43
Views: 7043

Re: Retired: When to move?

This question strikes a chord! I retired at the age of 52 because my husband was terminal. I was a basket-case for a year, and then was fortunate considering the housing fiasco in 2007/8 having someone come to my door wanting to buy my house (it was not on the market at the time). I was alone, livin...
by Sally
Fri Mar 28, 2014 12:41 pm
Forum: Personal Investments
Topic: Boglehead's view on Real Estate investing
Replies: 31
Views: 3834

Re: Boglehead's view on Real Estate investing

by JJFratt » wrote: Wow thank you all for the great information! Sally, I too am military and plan on following the same path. For the experienced real estate investors- what models did you follow. - How much money down do you put down? ( O%? 10%? 20%? etc) - mortgage length? (15 20 or 30 years) - W...
by Sally
Mon Mar 17, 2014 9:51 pm
Forum: Personal Investments
Topic: Boglehead's view on Real Estate investing
Replies: 31
Views: 3834

Re: Boglehead's view on Real Estate investing

Even though most of my “stock and bond” investments are in index funds ((yes, I also own Dodge and Cox Funds (hooooooray, considering the returns)), this is the biggest topic that makes me realize that even though I consider myself a Boglehead investor, I really must not be....because I don’t consid...
by Sally
Wed Mar 12, 2014 5:10 pm
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 17526

Re: Poll: When did you retire? Would you do it all over agai

Retired early at 52 because of my husband's terminal illness--he wasn't eligible for normal retirement either. We both retired early. Yes, I was concerned about having sufficient funds and whether I could get another job (if needed) and was in denial about his prognosis. He was more realistic though...
by Sally
Sat Feb 15, 2014 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: USAA
Replies: 40
Views: 11459

Re: USAA

My post on this thread (above) recommended USAA--wholeheartedly--that was in 2009… PLEASE NOTE that experiences with them in the last 3 years has changed my opinion dramatically, particularly with regards to their banking unit, and I NO LONGER RECOMMEND USAA to family or friends. Too bad because I h...
by Sally
Thu Feb 13, 2014 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you do your own taxes?
Replies: 54
Views: 4782

Re: POLL: Do you do your own taxes?

Used a "prominent" CPA (who did taxes for most of the county's judges, etc.) one year and found so many errors (maybe because we were still in school and not yet judges????) that I took over doing them….that was 34 years ago and have done them ever since. Read the tax regs etc. (before mac...
by Sally
Sat Feb 08, 2014 4:41 pm
Forum: Personal Investments
Topic: POLL: May leave VBS. Which brokerage(s) do you invest with?
Replies: 35
Views: 5569

Re: POLL: May leave VBS. Which brokerage(s) do you invest wi

I have accounts at: Fidelity: chosen because of their customer service, index funds, and the nice bonus they give annually for new $$ USAA: chosen because of the USAA holdings and analyses (free) that they provide annually including monte carlo runs Dodge&Cox: chosen because of their management ...
by Sally
Wed Oct 30, 2013 10:56 am
Forum: Personal Investments
Topic: Real Estate vs Equities
Replies: 15
Views: 1897

Re: Real Estate vs Equities

My perspective and experience is different than most of those posting on this site, because we netted considerably higher ROI on our real estate than we ever have on the market (though I won’t complain about either)! The biggest difference (besides the ROI) IMHO is (1) you have to recognize that it ...
by Sally
Sun Oct 06, 2013 7:35 pm
Forum: Personal Consumer Issues
Topic: Vehicle suggestions for Big & Tall?
Replies: 65
Views: 27062

Re: Vehicle suggestions for Big & Tall?

My husband was 6'6"--he had more head and leg room in the Honda Element than any (non-customized) vehicle that we owned.....and the Element gets about 25 mpg...a little more in highway, light traffic. {The Element was also very easy for carting oxygen tanks and wheel chair (when needed--first f...
by Sally
Sun Sep 01, 2013 12:14 pm
Forum: Personal Consumer Issues
Topic: How many big moves have you made in your lifetime?
Replies: 76
Views: 7662

Re: How many big moves have you made in your lifetime?

Grew up in same home until 18; then 8 locations/moves out of state. Am now back in general area where I grew up, but am planning another--my final move prior to burial back here-- which is roughly 1000 miles. No regrets--had a great time at each locale, made new friends with whom I still stay in tou...
by Sally
Sat Aug 31, 2013 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: USAA to Vanguard Transfer Question
Replies: 16
Views: 4743

Re: USAA to Vanguard Transfer Question

JamesSFO wrote: Wow, I find the phone process annoying and "humiliating" enough, if they wouldn't do it over the phone I would be done! Yea, me too...her decision was to go ahead and send the letter --but, what other choice did she have since they wouldn't transfer the $$ otherwise. She si...
by Sally
Sat Aug 31, 2013 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: USAA to Vanguard Transfer Question
Replies: 16
Views: 4743

Re: USAA to Vanguard Transfer Question

JamesSFO wrote: Not sure if it matters but the accounts are set up already inside my usaa.com account, e.g "Ally Chkx x1234" etc. So it wasn't like a "blind" EFT/ACH transfer. Apparently not because her other account was also set up within USAA for transfers as was mine-still wou...
by Sally
Sat Aug 31, 2013 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: USAA to Vanguard Transfer Question
Replies: 16
Views: 4743

Re: USAA to Vanguard Transfer Question

Texas hold em71 wrote: There are problems with all banks, CUs, etc. This week I am mad at Schwab and Sally is mad at USAA and others in the forum are mad at PenFed and someone else is frustrated with Vanguard. The grass is not always greener. I also have accounts elsewhere including NFCU, PenFed and...
by Sally
Sat Aug 31, 2013 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: USAA to Vanguard Transfer Question
Replies: 16
Views: 4743

Re: USAA to Vanguard Transfer Question

JamesSFO wrote: USAA will do larger transfers if you ask to speak to a supervisor and wade through their BS difficulties. It's annoying. The friend (I referenced above) called and was told she had to send a letter to make the transaction out of USAA. The amount was significant (mid 6 figures)....may...
by Sally
Sat Aug 31, 2013 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: USAA to Vanguard Transfer Question
Replies: 16
Views: 4743

Re: USAA to Vanguard Transfer Question

mapleosb wrote: If you were able to transfer a larger sum online I would consider it an anomaly. I am really glad it worked!! I would not have been happy to have to send a letter to request my own $$ (and then probably be told at least once or twice that the letter wasn't sufficient). LOL...at least...
by Sally
Sat Aug 31, 2013 9:23 am
Forum: Personal Finance (Not Investing)
Topic: USAA to Vanguard Transfer Question
Replies: 16
Views: 4743

Re: USAA to Vanguard Transfer Question

USAA used to allow it--as recently as July and the beginning of August.--I know for sure because I did a transfer of a large amount from USAA to NFCU (because of poor customer service) without the need to call or write a letter--I did it online. Then recently (early last week), I tried to assist a f...
by Sally
Thu Aug 15, 2013 1:30 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

JamesSFO »wrote: Sally - I don't seem to be able to qualify for NFCU, my dad is ex-Navy thus why I get USAA access, but NFCU doesn't seem to accept a retired Navy to then let me join. Do you know different? NAVY FEDERAL CREDIT UNION ELIGIBLITY: --All Department of Defense (DoD) uniformed personnel—A...
by Sally
Wed Aug 14, 2013 10:12 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

Thanks to all for your comments--and suggestions or info pertaining to what bank you are now using. While misery loves company and all of that, I was just flabbergasted by what transpired--we all make mistakes--I could have gotten past that--but their business model now (now including teaser rates, ...
by Sally
Wed Aug 14, 2013 10:01 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

JamesSFO »wrote: I've gotten more disillusioned with USAA (member/customer since ~1989/1990) and used their banking as my primary since circa 1997. My main beefs: Degraded customer service, the voice response system is difficult to navigate and they make it hard to get a person, when you do get a pe...
by Sally
Wed Aug 14, 2013 9:59 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

Sconie »wrote: My impression is that USAA is much more interested in growing their customer and asset base than in taking care of existing customers. As a consequence, the only thing that I still have with them is a credit card. My inclination is to totally agree with you--but so far I am also keepi...
by Sally
Wed Aug 14, 2013 9:57 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

Spades wrote: Yeah they're banking and investment options [stink --admin LadyGeek] . I like their insurance and checking though. I have nothing, thus far, but good to say about the brokerage and the insurance. I just hope the customer service does not decline as it has in the banking (where I'd had ...
by Sally
Wed Aug 14, 2013 9:54 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

Dick D wrote have done business with USAA for 40 years and have experienced great customer service. Over time Imoved my CDs from them to I bonds. Good customer service does not mean that they have to give me what I want. With all due respect, while I agree with your premise, it shouldn't take my hav...
by Sally
Wed Aug 14, 2013 4:27 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

mickeyd » wrote: Sally, I seem to recall that you had a simular post about 6 months ago regarding this subject. I used your experience to get USAA to boost my saving APY from .35% to .85% in what they call the "Performance First" account. I think that it is currently paying a .80% APY. Tha...
by Sally
Wed Aug 14, 2013 4:16 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

tomd37 » wrote: After 52 years with USAA, I am about to seek more information from another highly rated insurance firm (AMICA) regarding similar coverages. I dealt with USAA Bank for a short period of time, but found I could do much better locally or with the Navy Federal Credit Union with whom I ha...
by Sally
Wed Aug 14, 2013 4:08 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

Wricha » wrote: Was going to write a tread on how USAA service has fallen apart.Very sad. Been with them for 35+ years. 1. The interest rate for people who complained! Is it a bank or an auction? 2. Bought boat insurance through usaa they sub it out to another company only to find out had I bought d...
by Sally
Tue Aug 13, 2013 3:16 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

Munchkin Man » wrote: The Munchkin Man has had USAA car insurance ever since the Munchkin Man first started driving a car...The Munchkin Man's premium increased by about $70 over the last six-month bill the Munchkin Man received earlier this year....This has been the biggest increase the Munchkin Ma...
by Sally
Tue Aug 13, 2013 3:13 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

sschullo » wrote: Got a auto insurance quote from USAA last week. It was 33% higher than my current co. Allied! And Allied just raised their premiums about 25% this year. I couldn't believe USAA was so high. TTU » wrote: My car was stolen while I was deployed. Eventually had to call a lawyer (family...
by Sally
Mon Aug 12, 2013 10:41 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

Lady Geek wrote:
I've never seen a major website deny viewing any content whatsoever unless your web browser is set to accept cookies, until now.
Hmmmm, I presume that is why I can't get anything but a dark screen when I try to open!....wow, you go USAA! LOL
by Sally
Mon Aug 12, 2013 9:42 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 11157

Re: USAA disappoints!

thebogledude »wrote: I commiserate with your experience. I personally do not bank with USAA but I have been on the receiving end of poor customer service at a bank before. Not sure if there is a difference but USAA is not considered a credit union, I believe they are structured as a bank and with th...