Search found 872 matches

by heartwood
Sun Mar 26, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Clearing customs in Seattle
Replies: 20
Views: 1441

Re: Clearing customs in Seattle

Business or pleasure? I've connected through Seattle several times, mostly w/o incident. Two of the business trips provided poor experiences. The TSA people I encountered seemed to have it in for anyone dressed better, i.e., wearing a jacket. The 2nd time the agent pulled me aside, went through my c...
by heartwood
Sun Mar 26, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Bank mobile e-payment to another person. Good as it seems?
Replies: 14
Views: 633

Re: Bank mobile e-payment to another person. Good as it seems?

Would someone dumb down how this actually works? I've done it at BOA for transfers to people I have the routing/acct information and it works fine. But for a third party, e.g., split a dinner check? Here's a gmail explanation: https://support.google.com/mail/answer/3141103?co=GENIE.Platform%3DDeskto...
by heartwood
Sun Mar 26, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Can a cell phone get hacked?
Replies: 20
Views: 1730

Re: Can a cell phone get hacked?

I was recently playing a game on my phone and hit a wrong spot on the screen for one of the sponsored ads. Up pops a window that says my phone, including model number, is "28 percent infected" and to accept the download of some appropriately named app, something like freeze screen or simil...
by heartwood
Mon Mar 20, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Unauthorized account bank security information
Replies: 3
Views: 375

Re: Unauthorized account bank security information

It's normal in the US nowadays. Banks are required to identify account holders, but vary as to what forms of id are required. Most will have a list of what is accepted on their own website. There are, as far as I've seen, always alternatives to the drivers license. But that is an acceptable form of...
by heartwood
Sat Mar 18, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 43
Views: 2828

Re: Best place to get eyeglasses / no vision insurance

Has anyone purchased frames from zenni and lenses from costco? I figure that might be the best way to get an optometrist to adjust my frames and get my pupil distance right. Some Bogleheads have reported Costco not willing to put lenses in frames purchased elsewhere. We had Costco put progressive l...
by heartwood
Sat Mar 18, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 2017

Re: Cheapest dress shirt to wear under a sweater

Raymond wrote:Dress Shirts - Costco


Second the Costco recommendation. Brooks Brothers quality at less than a third the price.
by heartwood
Wed Mar 15, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 31
Views: 2761

Re: Vanguard: "Important: We've been unable to reach you by email"

Sounds like a phishing email. Are there links in the email that it is asking you to click? I'd be careful. We got the same message but online yesterday on the Vanguard website for our LLC account after we were in the account. It said to call, but also offered a muted button to have a one time PIN m...
by heartwood
Mon Mar 13, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Pipe leak damaged house
Replies: 18
Views: 1658

Re: Pipe leak damaged house

While it sounds like a minor item considering the situation you describe, our insurance company paid for the wall and ceiling damage and for the mold prevention and mitigation issue, but would not pay for replacing the actual leaking pipe. Not a large cost for us in the overall process, especially w...
by heartwood
Sun Mar 12, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 39
Views: 5297

Re: WSJ Digital Subscription - a bargain!

Incendiary wrote:Are you supposed to have online access to Barron's as part of your wsj digital subscription?


No, it's a separate subscription at least for my account.
by heartwood
Tue Mar 07, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Searched forum, unsuccessful, how to find doctors who take Medicare
Replies: 62
Views: 3067

Re: Searched forum, unsuccessful, how to find doctors who take Medicsre

psychiatrists have the lowest rate of Medicare insurance acceptance of any specialty, around 50%. half don't accept it at all. you pay their cash rates, and you get reimbursed what you can from medicare, that is between you and Medicare. the psychiatrist may be kind enough to give you an itemized r...
by heartwood
Sun Mar 05, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Searched forum, unsuccessful, how to find doctors who take Medicare
Replies: 62
Views: 3067

Re: Searched forum, unsuccessful, how to find doctors who take Medicsre

Doing a database search to see who takes Medicare and who doesn't is going to be a waste of time. Plenty of PCPs will list Medicare and other insurance, then you discover they are not taking new patients at all when you call. :( The problem is all over the U.S., not confined to the Midwest. I agree...
by heartwood
Sun Mar 05, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Sonos Wireless sound?
Replies: 19
Views: 1674

Re: Sonos Wireless sound?

We have several Sonos systems at our home and at our condo, for many years. Its a great product. We have a subscription to Google Play Music. We went that route because our entire music collection has been uploaded to it. We have only a small number of albums on Amazon. Spotify is great, but you nee...
by heartwood
Sun Mar 05, 2017 12:59 am
Forum: Investing - Theory, News & General
Topic: Limited Term Tax Exempt vs Pure Point 1.25% (28% Fed + 6.4% NJ)
Replies: 4
Views: 699

Re: Limited Term Tax Exempt vs Pure Point 1.25% (28% Fed + 6.4% NJ)

I just got a rent check, currently sitting in the Federal MM in the LLC brokerage account. Given the Fed announcement of the intention to raise rates this month, do I move it to ltd term TE, leave it in federal MM, or what? I'll need all of that amount plus a chunk of what's currently in ltd term fo...
by heartwood
Sat Mar 04, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3198

Re: Where do you order checks from?

Costco https://www.costcochecks.com/p/blue-safety-checks/88345 not sure about shipping We write 5 checks a month mostly to a home cleaner and a trainer. They'd prefer cash but will accept a check. So the Costco quantity should last about 5 years. We try to charge everything. If we have to write a ch...
by heartwood
Fri Mar 03, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Chromebook video quality question
Replies: 13
Views: 529

Re: Chromebook video quality question

Not exactly responsive to your question but there is one big limitation on using chromebooks for video. They are unable to play DVDs. I was going to get a chromebook for my mother-in-law who wanted a cheap travel laptop that she could use for web surfing and email and to play her DVD collection. It...
by heartwood
Fri Mar 03, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application
Replies: 24
Views: 1808

Re: Social Security Restricted Application

I'm currently on SS. My wife filed a restricted application in October 2016 for spousal benefits starting in December 2016. She did it all online. No statements or other information beyond what's asked in the filing template. It was quite clear. The online follow-up process was poor. She had trouble...
by heartwood
Thu Mar 02, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 36
Views: 5557

Re: The russians are hacking me

For me it's not the russians but the brits. I've got a few hotmail/outlook email accounts I use to keep certain tasks discrete within an email address. Different user names, different passwords. In the last week or so I've been getting "verify your account" requests from the MS account tea...
by heartwood
Wed Mar 01, 2017 10:32 pm
Forum: Investing - Theory, News & General
Topic: Limited Term Tax Exempt vs Pure Point 1.25% (28% Fed + 6.4% NJ)
Replies: 4
Views: 699

Re: Limited Term Tax Exempt vs Pure Point 1.25% (28% Fed + 6.4% NJ)

Question though- The TE MM you mentioned is only about 55 basis points. (VMSXX I think is what you were referring to), is there a reason you wouldn't just go with a 1.25% Taxable savings account instead? Thanks for the reply! Surprised there aren't more opinions on this especially after todays semi...
by heartwood
Wed Mar 01, 2017 7:46 pm
Forum: Investing - Theory, News & General
Topic: Limited Term Tax Exempt vs Pure Point 1.25% (28% Fed + 6.4% NJ)
Replies: 4
Views: 699

Re: Limited Term Tax Exempt vs Pure Point 1.25% (28% Fed + 6.4% NJ)

Hi All, My wife and I have 92K set aside for a downpayment for (another) house. We are going to be renting our current 2 Family Home. We currently have the majority of it in Limited Term Tax Exempt Admial shares. (We are Fed 28% + 6.4% NJ Brackets). The timeline is 6-12 Months for purchasing of the...
by heartwood
Sat Feb 25, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 2845

Re: Delivering a Large Check

I'd be mindful of the hold period on paper check deposits. We were denied access to several hundred thousand dollars for a week or so after closing proceeds were erroneously issued as a check rather than a wire. We wrangled with the the seller's and buyer's attorneys to rewire but both refused citin...
by heartwood
Thu Feb 23, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: phone battery
Replies: 10
Views: 763

Re: phone battery

I was recently looking for a replacement battery for my nexus 5. Both online and the repair shop I checked warn about counterfeit "manufacturer's" batteries. Check the reviews on amazon for the battery you're interested in. The repair guy said its a problem for them as well. They try to bu...
by heartwood
Sun Feb 19, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Google Drive Back Up
Replies: 3
Views: 459

Re: Google Drive Back Up

Hello, I recently purchased a Samsung chromebook plus. My goal is to transition from my HP laptop and use the chromeook as my primary computer. I do not do much more than browser based stuff and also store my photos and some documents. I am currently in the process of putting my photos and document...
by heartwood
Sun Feb 19, 2017 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 26
Views: 2377

Re: Missing my Microsoft Money - any equivalents?

What would I do without my Money 2002 which followed my original Money 98 and Money 2000? I have complete 19 years history of all investment, expense, expense category, etc, plus future cash flow analysis for planning. I can pick out anything financial for any time period.. I have it installed in a...
by heartwood
Sat Feb 18, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 26
Views: 2377

Re: Missing my Microsoft Money - any equivalents?

... AMEX has no longer supports it (or Quicken) in downloads, only CSV, Excel or pdf, so I do those manually. I can't figure out how to get CSV or excel format into Money. ... http://xl2qif.chez-alice.fr/xl2qif_en.php The link above is an add-in for Excel that imports and exports to QIF. I've used ...
by heartwood
Sat Feb 18, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 26
Views: 2377

Re: Missing my Microsoft Money - any equivalents?

+1 I've switched to a chromebook as well but use my wife's Windows laptop for MS Money. I've got at least 10 years of data and use it for tax tracking, etc. AMEX has no longer supports it (or Quicken) in downloads, only CSV, Excel or pdf, so I do those manually. I can't figure out how to get CSV or ...
by heartwood
Fri Feb 17, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Anyone using AT&T Mobile Share Advantage Plan
Replies: 5
Views: 493

Re: Anyone using AT&T Mobile Share Advantage Plan

We have ATT Mobile Share Value. Two phones, sharing 2 GB of data with rollover, unlimited phone and text for $92 a month. We're off contract now. We were offered an upgrade to 3 GB for the same price but with a 2 year contract. Since we may switch to another carrier soon and because we haven't had ...
by heartwood
Fri Feb 17, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 5498

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

Thanks student and cruise. We'll hang in there at least as long as it takes to get the bonuses. However my wife got the same call today from Chase Security questioning out of billing address state charges, a month after getting the card and rwo weeks after the billing address change. She explained t...
by heartwood
Fri Feb 17, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Anyone using AT&T Mobile Share Advantage Plan
Replies: 5
Views: 493

Re: Anyone using AT&T Mobile Share Advantage Plan

We have ATT Mobile Share Value. Two phones, sharing 2 GB of data with rollover, unlimited phone and text for $92 a month. We're off contract now. We were offered an upgrade to 3 GB for the same price but with a 2 year contract. Since we may switch to another carrier soon and because we haven't had a...
by heartwood
Thu Feb 16, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Amazon Business
Replies: 0
Views: 247

Amazon Business

Is anyone familiar with Amazon Business? I got an email today from Amazon offering a free Amazon Business account if I "shop online for work." It includes: • Business-Only Pricing • FREE Two-Day Shipping • Multi-User Accounts • Business Analytics I'm interested in any experiences with this...
by heartwood
Thu Feb 16, 2017 12:17 am
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4975

Re: Please list value funds you currently use

Thank you to those who included fund names as well as the requested tickers. For me, this might have been an interesting thread, but I have no interest or wish to spend the time in decoding the funds. YMMV
by heartwood
Tue Feb 14, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4571

Re: Where to buy rare steaks?

+1 for Costco. We typically shop their Prime beef, mostly filets.
by heartwood
Tue Feb 14, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2228
Views: 614321

Re: What Book Are You Currently Reading? Part VI

I read about half of Kill the Next One by Federico Axat. I stopped, for now. Even at half way I'm not sure what to make of it. It starts with a man about to commit suicide, interrupted by a stranger at the door offering him options ... Then it seems to repeat with more or different information. Anot...
by heartwood
Tue Feb 14, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 114
Views: 11816

Re: The Wall Street Journal to close Google loophole entirely

does the javascript work around work on any other sites?

I have a wsj subscription, but tried it anyway. It worked for me when I tried incognito. I then tried it on consumer reports and it didn't work.
by heartwood
Mon Feb 13, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3624

Re: How long do you keep your kitchen sponge?

We buy a multi pack (12? 20?) at Costco and change them about every 2 weeks. Sometimes run them through the dishwasher, but still every 2 weeks. We have a cleaner who comes in. We're concerned she uses them elsewhere than the sink, or puts other than soap on them. We change the sponge after she leav...
by heartwood
Sun Feb 12, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: transfer from vanguard
Replies: 8
Views: 718

Re: transfer from vanguard

I need to transfer a large sum of money (approx 250k) from my vanguard taxable account to my checking account for my house downpayment and escrow. I need these funds to be available within 10 days. It sound like if i do an ACH transfer I should expect a week or so for the funds to be available but ...
by heartwood
Sun Feb 12, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 5498

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

Wow, for a "travel" card I'm having large problems with my Chase Sapphire Reserve. Applied in January, online, using the address of our condo since we're currently there and I wanted the card to come to me there. There was only a mailing address option online, no billing address option. I ...
by heartwood
Sat Feb 11, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 114
Views: 11816

Re: The Wall Street Journal to close Google loophole entirely

As others have mentioned there are several ways to get discounted subscriptions. I won't repeat them, but I've had one for many years. I only post to say that the WSJ has recently rolled out a new e-reader that is so much better than their old version. It's not as good as the NYT e-reader, but its v...
by heartwood
Sat Feb 11, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tires for an old car
Replies: 42
Views: 2721

Re: Tires for an old car

You mention replacing the tires 5 years ago. The rubber may have hardened and lost its grip/gumminess. I just replaced older tires on my car. I was experiencing the same things you mention: loss of traction, esp on a wet road, spinning tires as I made a turn, etc. I replaced them and marvel at the d...
by heartwood
Sat Feb 11, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: PC power-up failure
Replies: 38
Views: 2316

Re: PC power-up failure

Laptop? If so you might try "Try this, remove AC power and the main battery, hold the power button down for 30 seconds, plug in AC only, boot into Windows and let it run for a few minutes, then shut down and insert battery, see if this cures the boot problem." (from google search "lap...
by heartwood
Wed Feb 08, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 5498

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

I am actually nervous about being able to hit the $4k spend mark in the next three months. I currently have the Fido Visa 2% cash back card and am wondering after three months how to get the best of both cards. Is anybody in this situation? You might be able to frontload some future expenses such a...
by heartwood
Wed Feb 08, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2228
Views: 614321

Re: What Book Are You Currently Reading? Part VI

I'm back to reading In the Woods by Tana French. I started it last year and got distracted by other books.
by heartwood
Tue Feb 07, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Follies
Replies: 11
Views: 1990

Re: Social Security Follies

2016 SSA-1099's are available (a/o Feb 1) on mySSA under "replacement documents" under the "My Home" tab. Check to see if the contents of that form meet your expectations. FWIW, - Ron Thanks for the suggestion, we have a similar problem. My wife paid her medicare Part B subscrip...
by heartwood
Tue Feb 07, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve - reg 300 travel credit
Replies: 5
Views: 685

Re: Chase Sapphire Reserve - reg 300 travel credit

Hello, So I got the Chase Sapphire card and booked hotel reservation for summer. My credit card has been charged $400. Now, do I need to call the Customer Service to get the $300 travel credit or will I automatically get the credit in my next cycle? Can anyone who got the credit help answer my ques...
by heartwood
Mon Feb 06, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine or Online
Replies: 15
Views: 1447

Re: Consumer Reports Magazine or Online

I too subsribe dfor years. I too saved them all until we moved. I stopped many years ago. You might also try your public library's e-sources. Mine has access to so many things. Via the Ebsco online service I have access to full text pdfs of Consumer Reports and so many other magazines. I limit to Co...
by heartwood
Sun Feb 05, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3725

Re: Robocalls! -- current best call blocker?

As far as I know, all the call blockers send the blocked numbers to voicemail, so you still have to deal with them there. Mr Number used to hang up on blocked calls but with the advent of more recent Android OS versions, that doesn't work anymore. The other shortcoming is that they all just block n...
by heartwood
Fri Feb 03, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3725

Re: Robocalls! -- current best call blocker?

dotstar wrote:We use CPR V5000 Call Blocker from https://smile.amazon.com/ and are happy with it. Very easy to use, and effective.


https://www.amazon.com/CPR-Call-Blocker ... B0191XMBV2
by heartwood
Fri Feb 03, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3725

Re: Robocalls! -- current best call blocker?

I am interested to hear if there is a solution for this as well. My cell phone rings constantly and I am on the do not call list. I add all phone numbers to the "reject list" on my Samsung Galaxy, but it still doesn't stop new numbers from calling me. The do not call list is useless. My l...
by heartwood
Fri Feb 03, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2228
Views: 614321

Re: What Book Are You Currently Reading? Part VI

The Mandibles: A Family, 2029–2047 by Lionel Shriver. I'm about a quarter into it and enjoying the characters. I won't try to summarize the plot myself, but here's a lift from Goodreads: "The year is 2029, and nothing is as it should be. The very essence of American life, the dollar, is under a...
by heartwood
Tue Jan 31, 2017 1:27 am
Forum: Personal Finance (Not Investing)
Topic: American Express didn't waive annual fee, next step?
Replies: 22
Views: 2438

Re: American Express didn't waive annual fee, next step?

Tried tonight, front line rep just said they can drop me to the regular blue cash, went to supervisor, no luck either, not even a statement credit. She stated they no longer are waiving fees, don't believe that. I plan on trying again. Anyone have ideas? No suggestions, but I'm curious which AMEX c...

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