Recent content by VanWinkle

  1. VanWinkle

    Another Crazy Homeowners Insurance Premium Situation (resolved)

    I put 5K in a money market account and raised my deductible to 5K. Current rate is under 500.00 per year for homeowners here in Tennessee. RC of 500K. I am amazed at some of the rates around the country.
  2. VanWinkle

    Our First Year of Retirement!

    Great story and it will give confidence to those without a massive pile of money saved for retirement. You will enjoy and adjust as necessary. I think you will live the good life and enjoy!!
  3. VanWinkle

    Vanguard brokerage fees email

    Just more ammo for the Vanguard haters in the world...... It won't affect me or my numerous accounts at Vanguard(including one just moved from Fidelity to Vanguard) YMMV
  4. VanWinkle

    Restaurant adding fee for use of credit card

    Ask when you enter the restaurant and leave if they up charge for a credit card. Let them know why you are leaving. This is the only way to change their thinking by hurting their sales.
  5. VanWinkle

    Nationwide Peak® 10 fixed indexed annuity

    A fixed indexed annuity purchased by SO in 2013 during a pretty good 10 year market returned a little over 2.5% a year after expenses. Once it hit the out of penalty phase, SO did a 1035 exchange into a MYGA ladder at 5.85% and is very happy to be out of the fixed indexed annuity. They are...
  6. VanWinkle

    Ex Spouse Filing For Social Security Question

    It sounds like you have been the sane one through all of these years. I agree with your regrets concerning his treatment of the kids. Making his life harder may feel good, but it is likely the wrong move if you ever hope to find peace in these matters. Good Luck, VW
  7. VanWinkle

    Best MYGA (Multi Year Guaranteed Annuities) Thread 2024 - Please post updates here.

    Recently did 3,4,and 5 year MYGA ladder with all of the companies being A- and above. The rates were comparable with the B rated companies so the choice was easy.
  8. VanWinkle

    QCD confused

    Good information about the checkbook at Vanguard as I intend to start QCDs next year at 70 1/2. That seems to be a simple way to take care of the QCD.
  9. VanWinkle

    Fidelity/Vanguard fees and minimum invstment

    I just moved my two accounts from Fidelity to Vanguard to simplify to one brokerage for the future. I was not impressed with Fidelity and thought their website was difficult. Their online programs were on option trading and individual stock/bond trading. That is not how I spend my retirement...
  10. VanWinkle

    CV Joint Replacement

    Usually diagnose CV joints by putting vehicle in a slow speed hard turn(parking lot works) in both directions and listen for excessive noise. You may want to check into a rebuilt axle assy available for about 140 bucks with new boots on both ends and new joints. VW
  11. VanWinkle

    Social Security Number on The Dark Web

    As a tax preparer for AARP, they get rejected every time if the taxpayer forgets to get a new pin each year.
  12. VanWinkle

    Dental question-implants or bridge?

    I recently had 2 implants on the lower jaw. One went great and the other had to be extracted and redone due to bone at that location. So far the completed one is fine but I have limited experience with it.
  13. VanWinkle

    Great River Road Trip

    I grew up in a Mississippi River town in Illinois close to St Louis. I traveled north and south on the Great River Road and always found it interesting. Some quirky little towns with great food and beautiful parks overlooking the river from bluffs above. I was limited to a couple hundred miles...
  14. VanWinkle

    2024 Umbrella Policy costs

    That's a great premium!!! it is 345 for 2 mil in my area.
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