Search found 352 matches

by dbc47
Thu May 17, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: AT&T Fixed Wireless Internet.....Opinion?
Replies: 4
Views: 743

Re: AT&T Fixed Wireless Internet.....Opinion?

Thanks for the feedback. It seems I've got more homework to do.
by dbc47
Wed May 16, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: AT&T Fixed Wireless Internet.....Opinion?
Replies: 4
Views: 743

AT&T Fixed Wireless Internet.....Opinion?

I'm currently using AT&T DSL service and receive 5mb speed on a good day. AT&T is now advertising that their Fixed Wireless Internet service is now available in my area with a 10mb speed. The DSL service does have service issues (lots of disconnects) so would the the new service being offered be any...
by dbc47
Wed Feb 28, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 14625

Re: How much cash do you keep at any time on checking?

$35K to $40K in checking. Other cash kept in Prime MM and CDs.
by dbc47
Sun Feb 18, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Use Quicken Premier 2017 Offline?
Replies: 2
Views: 226

Re: Use Quicken Premier 2017 Offline?

FYI :happy https://getsatisfaction.com/quickencommunity/topics/i-want-to-use-quicken-offline-only I'm sorry, but I don't see the answer on the link you provided. I have to unplug my Ethernet cable and disable my connection before I start Quicken? Seems pretty drastic, but guess if that's the only w...
by dbc47
Sun Feb 18, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Use Quicken Premier 2017 Offline?
Replies: 2
Views: 226

Use Quicken Premier 2017 Offline?

Been using this for some time now and found an issue I can't find an answer for. I've been having internet connection issues this morning and I discovered that I can't enter any new bills to Quicken unless I'm connected to the internet. When I try and do so I'm prompted to enter my username/password...
by dbc47
Mon Jan 22, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard New Issue Brokered CDs (again)
Replies: 5
Views: 814

Re: Vanguard New Issue Brokered CDs (again)

I can't find an answer to this question so maybe someone can enlighten me? I'm looking at a new issue 12 month CD from Safra National Bank at a rate of 1.85%. But what I don't get is that there seems to be more interest in other banks that are offering 1.80% and less for the same terms, etc. Why wo...
by dbc47
Mon Jan 22, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard New Issue Brokered CDs (again)
Replies: 5
Views: 814

Vanguard New Issue Brokered CDs (again)

I can't find an answer to this question so maybe someone can enlighten me? I'm looking at a new issue 12 month CD from Safra National Bank at a rate of 1.85%. But what I don't get is that there seems to be more interest in other banks that are offering 1.80% and less for the same terms, etc. Why wou...
by dbc47
Wed Jan 03, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 9101

Re: Goodbye Capital One 360!!

ERISA Stone wrote:
Wed Jan 03, 2018 10:43 pm
Did you at least try another browser to see if that was the issue?
Yep. Tried Chrome, Firefox and Edge
by dbc47
Wed Jan 03, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 9101

Re: Goodbye Capital One 360!!

I'm curious, why would you have any money with Capital One or Ally when Vanguards Money Market Fund pays 1.22%? I believe Prime MM has just gotten up to these competitive rates. They have been close for awhile and I already use it a great deal. The Capital One account has just below FDIC max in it ...
by dbc47
Wed Jan 03, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 9101

Re: Goodbye Capital One 360!!

Question for the OP....What was so excruciatingly important that you needed access to the website and/or a representative ASAP? I have no complaints about Capital One 360. If I've ever had a problem it was probably because I was trying to logon at 3:00 am in the morning the the system is possibly b...
by dbc47
Wed Jan 03, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 9101

Re: Goodbye Capital One 360!!

I just logged on to Capital One. It is working. I must admit that Ally has 24/7 service, which is good. I did not go with them because they do credit check and I did not want to waste an inquiry. I can log in just fine, but after I do I'm taken to a screen wanting me to confirm or update my persona...
by dbc47
Wed Jan 03, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 9101

Goodbye Capital One 360!!

I've been with these folks since it was ING Direct (16 years) and I reached the limit of my patience today. I couldn't log in to the site to view our bucks nor could I reach anyone by phone. I shouldn't have to work this hard to do business with anyone! I know this has been discussed many times here...
by dbc47
Tue Jan 02, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Who should we appoint as executor?
Replies: 33
Views: 2958

Re: Who should we appoint as executor?

I've just completed being an Executor for two estates (my Aunt and Father) and I can tell you that being an Executor is a tremendous amount of work and takes a lot of dedication. Fortunately, I'm retired and had the time to devote to the process, but if I was still working it would have been a lot t...
by dbc47
Mon Oct 09, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Google Chrome Fonts Appear Fuzzy
Replies: 7
Views: 768

Re: Google Chrome Fonts Appear Fuzzy

Perhaps a long shot, but is your monitor set at the recommended native resolution? I have experienced fuzzy text when resetting the resolution to something other than the native. Well, I finally got it figured out. Turns out I didn't have the recommended setting. It took me quite awhile to figure o...
by dbc47
Mon Oct 09, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Google Chrome Fonts Appear Fuzzy
Replies: 7
Views: 768

Re: Google Chrome Fonts Appear Fuzzy

Thanks! This seemed to help a little bit. I tried lots of other "fixes", but none of them did anything as far as I could tell. I'll keep plugging along.
by dbc47
Sun Oct 08, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Google Chrome Fonts Appear Fuzzy
Replies: 7
Views: 768

Google Chrome Fonts Appear Fuzzy

I'm using Windows 10 and Google Chrome as my primary browser. The fonts on most web sites, if not all, appear "fuzzy" or not as clear as they should. I've compared various web sites, including this one, using Chrome and Microsoft Edge and Edge is much sharper than the same sites in Chrome. I've trie...
by dbc47
Sat Sep 09, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Scanning Documents for Long Term Storage
Replies: 20
Views: 2564

Re: Scanning Documents for Long Term Storage

The way some fireproof safes work is that they have liners that give off lots of water when they get hot so that the contents of the safe get wet and don't burn. That would not be good for a hard drive. I have also had a USB hard drive fail when I did not use it for about two years. I suspect that ...
by dbc47
Wed Sep 06, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning Documents for Long Term Storage
Replies: 20
Views: 2564

Re: Scanning Documents for Long Term Storage

I used the Fujitsu ix500 to scan the entirety of the paper archive. It was awesomely effective at digitizing many years of papers. Then I shred everything using a Fellowes Powershred 79Ci. This was a pretty quiet shredder (comparatively). Finally, the shred got composted. I trust our worms not to s...
by dbc47
Wed Sep 06, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning Documents for Long Term Storage
Replies: 20
Views: 2564

Re: Scanning Documents for Long Term Storage

My thinking, right or wrong, was to scan their past tax returns which are about 10 years apiece. Most of the supporting documents are not available, but the returns seem to be complete. Some items may not be suitable to being easily scanned such as life insurance policies, but I may be able to at le...
by dbc47
Wed Sep 06, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning Documents for Long Term Storage
Replies: 20
Views: 2564

Scanning Documents for Long Term Storage

I've been the Executor/Trustee for two of my relatives (Father & Aunt) who passed away during the past year. I'm finally within striking distance of finalizing everything for both but I now have a large two drawer fire proof file cabinet filled with their documents e.g. old tax returns, insurance pa...
by dbc47
Wed Aug 02, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: What is an "NF" or No Floor Moody rating?
Replies: 8
Views: 1154

Re: What is an "NF" or No Floor Moody rating?

If a company has a rating of NF or NR is that a terrible thing? NF or NR on QuantumOnline just means that there is no rating information or there is no rating. As a practical matter, it simply means that the company issuing the security didn't pay to have it rated. Most REIT preferreds are not rate...
by dbc47
Mon Jul 31, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: What is an "NF" or No Floor Moody rating?
Replies: 8
Views: 1154

Re: What is an "NF" or No Floor Moody rating?

Do you have an example of a security with such a rating? The one security that I noticed this on was Monmouth Realty Preferred C There seem to be some different symbols referring to the same thing, but the symbol I'm referring to is MNR-C QuantumOnline is where I saw this and I hadn't seen the page...
by dbc47
Mon Jul 31, 2017 5:26 pm
Forum: Investing - Theory, News & General
Topic: What is an "NF" or No Floor Moody rating?
Replies: 8
Views: 1154

What is an "NF" or No Floor Moody rating?

I can't find what this means anywhere. The Moody's website doesn't give a definition of it as far as I could find.
by dbc47
Wed Jul 12, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Inherited EE Bond
Replies: 7
Views: 659

Re: Question on Inherited EE Bond

Thanks again. I'm learning lots!
:sharebeer
by dbc47
Wed Jul 12, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Inherited EE Bond
Replies: 7
Views: 659

Re: Question on Inherited EE Bond

Thanks! I'll study up on this more as I'm getting old and confused!
by dbc47
Wed Jul 12, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Inherited EE Bond
Replies: 7
Views: 659

Question on Inherited EE Bond

I recently inherited a few EE bonds and I can't figure this out in regards to the value: The $5,000 bond was purchased in January 1993. The issue price is $2,500. Accrued interest is $5,676. The value as of February is $8,176. I thought if someone wanted a $5,000 bond they paid $2,500 and in 30 year...
by dbc47
Wed May 31, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Inherited Nuveen Fund
Replies: 7
Views: 854

Re: Inherited Nuveen Fund

Great information in_realty! Thank you.
The fund is 1.1% of my portfolio so will probably let it ride for the time being while I do more research as I see no immediate reason to get rid of it.
by dbc47
Tue May 30, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Nuveen Fund
Replies: 7
Views: 854

Re: Inherited Nuveen Fund

Thanks for the input everyone. I will continue my research.
by dbc47
Tue May 30, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Nuveen Fund
Replies: 7
Views: 854

Inherited Nuveen Fund

I've recently inherited several mutual funds one of which is the Nuveen California Quality Municipal Income fund (NYSE: NAC). In looking at this it doesn't look too terrible. The current monthly distribution rate is 5.59% (both Fed and State tax free). At first I thought I'd sell it as I'm getting t...
by dbc47
Sat May 27, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo Introduces New Fund Class
Replies: 5
Views: 1515

Wells Fargo Introduces New Fund Class

Saw this the other day about Wells Fargo creating a new fund class.

http://www.reuters.com/article/us-wells ... SKBN18K33B
by dbc47
Mon Apr 03, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Equity Income vs High Dividend Yield ETF (VYM)
Replies: 9
Views: 2045

Re: Equity Income vs High Dividend Yield ETF (VYM)

Thanks Ned, all is forgiven :sharebeer . I appreciate the advice.
by dbc47
Mon Apr 03, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Equity Income vs High Dividend Yield ETF (VYM)
Replies: 9
Views: 2045

Re: Equity Income vs High Dividend Yield ETF (VYM)

IMO, I would just add to the Equity Income fund to get you to Admiral Status. The Equity Income fund is actively managed by Wellington and they have a pretty decent track record too. The fund may have the top 10 holdings as VYM, but the similarities end there. The EI fund is holding equities that a...
by dbc47
Sun Apr 02, 2017 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Equity Income vs High Dividend Yield ETF (VYM)
Replies: 9
Views: 2045

Re: Equity Income vs High Dividend Yield ETF (VYM)

For heaven's sake, investors have been chasing dividend yield since the 2008-2009 financial crisis. This is not the time to chase dividend yields even harder, particularly now that the Federal Reserve has been raising short-term interest rates. Those who have chased High Dividend will likely be ver...
by dbc47
Sun Apr 02, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Equity Income vs High Dividend Yield ETF (VYM)
Replies: 9
Views: 2045

Equity Income vs High Dividend Yield ETF (VYM)

I currently have Vanguard Equity Income (VEIPX Investor shares) in our non IRA account at Vanguard. I'm just a couple thousand short of being able to graduate to the Admiral Shares (VEIRX). I've had this fund for years and really like it and want to add to it but I'm not sure if I should shoot for t...
by dbc47
Sun Mar 26, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: John Deere 1025R with Mower
Replies: 10
Views: 2144

Re: John Deere 1025R with Mower

Gee! Now I'm really tossed on which one to get. I guess I'll just flip a coin and hope for the best. I'm sure the dealer will help steer me in the right direction?

Thanks!
by dbc47
Sun Mar 26, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: John Deere 1025R with Mower
Replies: 10
Views: 2144

John Deere 1025R with Mower

I"m getting ready to buy a John Deere 1025R Tractor and will be getting a mower attachment with it. I'm tossed however on whether I should get the mid mount under tractor mower or the pull behind mower. I'm used to the mid mount as I've been using one for years with my little Craftsman lawn tractor ...
by dbc47
Wed Mar 15, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: First I Bond Purchase on Treasury Direct
Replies: 6
Views: 966

Re: First I Bond Purchase on Treasury Direct

The purchase went fine and the amount of my purchase all looks correct. The one thing I don't see, but may not even apply, is an identifying serial number for the bond. Would like to see one perhaps to use with the Savings Bond Calculator? It appears that the value will be updated on Treasury Direc...
by dbc47
Wed Mar 15, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: First I Bond Purchase on Treasury Direct
Replies: 6
Views: 966

First I Bond Purchase on Treasury Direct

The purchase went fine and the amount of my purchase all looks correct. The one thing I don't see, but may not even apply, is an identifying serial number for the bond. Would like to see one perhaps to use with the Savings Bond Calculator? It appears that the value will be updated on Treasury Direct...
by dbc47
Wed Mar 08, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: I Bonds & Revocable Living Trust
Replies: 2
Views: 425

I Bonds & Revocable Living Trust

I couldn't find the answer to my question and if I saw it, it just didn't sink in........ My wife and I have a Revocable Living Trust and I'm confused as to the purchase limit in I Bonds we can buy. Is it $10,000 or $20,000 at Treasury Direct? We have a new Treasury Direct account which we had to op...
by dbc47
Sat Feb 25, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 4767

Re: Delivering a Large Check

I guess the key question is what are you trying to accomplish? In all cases of mail, substitute FedEx and UPS as you desire. Also remember that if wiring the money, if the recipient gave you the incorrect account # or if you provide the bank the incorrect account number, if that account number is v...
by dbc47
Sat Feb 25, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 4767

Re: Delivering a Large Check

I assume you have had the beneficiaries sign the appropriate receipt and release before mailing the checks. Gill Not sure what you're talking about here as the estate attorney has said nothing about that. I'll double check before I distribute funds, but nothing has ever been said about receipts or ...
by dbc47
Sat Feb 25, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 4767

Re: Delivering a Large Check

Thanks everyone for all the good suggestions. I'll probably wire the funds after all just to be safe. I was already leaning that way, but thought I'd
run it by here in case I was forgetting something.
Thanks
by dbc47
Sat Feb 25, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 4767

Delivering a Large Check

I need to "mail" a few large checks ($100,000 +) in the next week or so to a couple estate beneficiaries. I know I can wire the money, but paying $30 seems a little much. Perhaps I can just use a regular check and have USPS track it? Maybe use a cashiers or certified check? Any suggestions on what m...
by dbc47
Sun Feb 19, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market Fund (VMFXX)
Replies: 27
Views: 10009

Re: Vanguard Federal Money Market Fund (VMFXX)

What about Vanguard Ultra Short Term Bond Fund VUBFX? That one doesn't look too bad a first glance.
by dbc47
Sun Dec 11, 2016 10:05 pm
Forum: Investing - Theory, News & General
Topic: Just Inherited Some Vanguard Funds
Replies: 10
Views: 1326

Re: Just Inherited Some Vanguard Funds

In order to make an equitable distribution you will need to give each beneficiary a pro rata share of each holding. Also the income collected from date of death will also have to be distributed pro rata. It's your choice but, in my experience, liquidating and distributing cash is the fairest and ea...
by dbc47
Sun Dec 11, 2016 9:30 pm
Forum: Investing - Theory, News & General
Topic: Just Inherited Some Vanguard Funds
Replies: 10
Views: 1326

Re: Just Inherited Some Vanguard Funds

With multiple beneficiaries with differing investment objectives, you'd be well advised to liquidate these holdings and distribute cash. Also, this will relieve you of the risk of a declining market and unhappy beneficiaries. Gill Hey Gill, I thought about that but decided against it. The four fund...
by dbc47
Sun Dec 11, 2016 9:12 pm
Forum: Investing - Theory, News & General
Topic: Just Inherited Some Vanguard Funds
Replies: 10
Views: 1326

Re: Just Inherited Some Vanguard Funds

Concerning inheriting funds from Vanguard: https://investor.vanguard.com/inherit/faq According to Vanguard, the beneficiary inherits the "fund", not cash. Unless it is a Money Market or equivalent I suppose. If the beneficiary wants cash he/she will have to sell the fund after receiving it. The gist...
by dbc47
Sun Dec 11, 2016 8:39 pm
Forum: Investing - Theory, News & General
Topic: Just Inherited Some Vanguard Funds
Replies: 10
Views: 1326

Re: Just Inherited Some Vanguard Funds

You didn't say if accounts were IRAs or taxable or something else. That aspect will make a nice difference. Also were these done via beneficiary designation? But you mentioned "Trustee", too. There is no IRA involved. My Aunt has a Revocable Living Trust and I'm the Successor Trustee of that trust....
by dbc47
Sun Dec 11, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: Just Inherited Some Vanguard Funds
Replies: 10
Views: 1326

Just Inherited Some Vanguard Funds

My Aunt (who was 99 yeas old) recently passed away and I and 2 others will be inheriting her Vanguard Portfolio which is made up of 4 bond funds and Prime Money Market. I've had a Vanguard account for many years as has my Niece. However, the third beneficiary has never even heard of Vanguard. I'm th...
by dbc47
Sat Dec 10, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 30853

Re: Vanguard's new security key option

Any recommendations on which model Yubikey to get? There are 4 models or so that seem to work but I can't figure out the difference and pricing varies between models too. I've just checked Amazon so far as a starting point.

Dan
:happy