Search found 920 matches

by heartwood
Sat May 27, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 19
Views: 2064

Re: Voyager Select vs Flagship

If you have a VanguardAdvantage checking account all the fees go away for annual fee, monthly billpay and checkbooks. We use the account as our main checking account with a link to our localbricks & mortar Bank. You would save about $100/year. FEE TYPE VanguardAdvantage® Account AMOUNT Offered ...
by heartwood
Sat May 27, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 19
Views: 2064

Re: Voyager Select vs Flagship

If you have a VanguardAdvantage checking account all the fees go away for annual fee, monthly billpay and checkbooks. We use the account as our main checking account with a link to our localbricks & mortar Bank. You would save about $100/year. FEE TYPE VanguardAdvantage® Account AMOUNT Offered ...
by heartwood
Sat May 27, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Recommendations for moisturizing lotions that don't feel greasy
Replies: 18
Views: 931

Re: Recommendations for moisturizing lotions that don't feel greasy

I have the same thing. I used to use Lubriderm Advanced Therapy until I saw a dermatologist. The dermatologist suggested Amlactin or CeraVe SA. I have used both to test out and they work wonders. I can skip a day without lotion, they are that good. I much prefer the Amlactin, but some may be turned...
by heartwood
Fri May 26, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 52
Views: 5211

Re: Should I drink or sell my Pappy 12 year?

Entered a lottery with ABC fine wine and spirits and won the option of buying 1 bottle of Pappy Van Winkle 12 year. I haven't drank much bourbon. I'm a Scotch fan (Lagavulin, Laphroaig, Highland Park). Should I drink it with my scotch drinking, buddy? or try to sell it (if I can)? No lottery, but T...
by heartwood
Fri May 26, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 19
Views: 2064

Re: Voyager Select vs Flagship

If you have a VanguardAdvantage checking account all the fees go away for annual fee, monthly billpay and checkbooks. We use the account as our main checking account with a link to our localbricks & mortar Bank. You would save about $100/year. FEE TYPE VanguardAdvantage® Account AMOUNT Offered t...
by heartwood
Wed May 24, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 89
Views: 12794

Re: Vanguard upgrading to Brokerage account comes with some nuisances

Grrrr! Vanguard Mobile Check Deposit still doesn't work. It stopped mid-last year when I upgraded my Advantage (brokerage) account. I've used a kluge to deposit checks to our LLC first to our personal BOA checking using the BOA mobile deposit and then EFT to the actual LLC account at Vanguard. I got...
by heartwood
Sun May 21, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Convert EE Savings Bonds at Treasury Direct?
Replies: 7
Views: 774

Re: Convert EE Savings Bonds at Treasury Direct?

I had planned to convert to digital since the various maturity dates are over seven years in various months of the year. We travel for 3 or more months a year and wouldn't take the bonds along. The digital format and the automatic conversion to a credit at maturity would put us on an easier path. Ba...
by heartwood
Sat May 20, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Convert EE Savings Bonds at Treasury Direct?
Replies: 7
Views: 774

Convert EE Savings Bonds at Treasury Direct?

There's another current thread on EE bonds but I didn't want to hijack it since my question is a little different. We have dual-owner named EEs from 1987 through 1994, the first reaching maturity next month in June. They're titled as A or B as owner. A is deceased. They're in paper format. There are...
by heartwood
Fri May 19, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: f.lux software/blue light reduction for devices
Replies: 11
Views: 425

Re: f.lux software/blue light reduction for devices

i use f.lux on my windows machines. I use twilight on my android tablet and chromebook. https://play.google.com/store/apps/details?id=com.urbandroid.lux&hl=en Thanks for mentioning this. For Android, I found Twilight it in the Play Store. For Chromebook, I could not find it in the Web Store, bu...
by heartwood
Fri May 19, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: f.lux software/blue light reduction for devices
Replies: 11
Views: 425

Re: f.lux software/blue light reduction for devices

i use f.lux on my windows machines.

I use twilight on my android tablet and chromebook.

https://play.google.com/store/apps/deta ... .lux&hl=en
by heartwood
Wed May 17, 2017 5:04 am
Forum: Personal Finance (Not Investing)
Topic: My SS Deposit Keeps Getting Earlier and Earlier Every Month
Replies: 16
Views: 1950

Re: My SS Deposit Keeps Getting Earlier and Earlier Every Month

The annual benefits statement you receive in November or December tells you the amount of your benefit for the next year and when you will receive it. Mine says "Your Social Security benefits are paid on or about the third Wednesday of each month." You can get a copy of your statement onli...
by heartwood
Tue May 16, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: mirror or clone my windows 10 HD?
Replies: 10
Views: 728

Re: mirror or clone my windows 10 HD?

Thanks to all. I used the W10 backup & restore option, saved a system image to my external drive and then did the Creators Update. All seems to have gone as intended. MS Money still works! As an aside I like the updated Edge browser now that it allows for extensions, esp LastPass. My next task i...
by heartwood
Tue May 16, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1314

Re: Quality decline in off-brand alkaline batteries?

We've used Kirkland for years. We had several, half dozen?, leak in the past year. I chalked it up to storage conditions. We switched to Amazon batteries in the last year or two. They've been cheaper than Costco, perform well, and are available in smaller lots than Costco. As an aside, if I were kin...
by heartwood
Tue May 16, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253374

Re: What's Your Credit Card Rewards Strategy?

So the offers more often show up when you log in, than in your email? Just trying to figure out how I should best look for them. I never got an email for the upgrade and don't remember ever getting an email on other offers. Each of the offers I mentioned above I found by looking on my AMEX account ...
by heartwood
Tue May 16, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253374

Re: What's Your Credit Card Rewards Strategy?

If anyone has the AMEX Blue Cash Everyday card there is a targeted upgrade offer to Blue Cash Preferred--$150 after $1000 spend. What's great about this offer is that there's no hard pull on your credit, and no new line of credit bring down your AAoA. What's even better is that I took advantage of ...
by heartwood
Mon May 15, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4534

Re: Doctor wants Social Security number

As someone on Medicare I have to provide medical offices, labs, etc with my Medicare information so they can submit the bill. My Medicare information includes my SSN with a trailing letter. Am I missing something or am I just older than most posting here?
by heartwood
Mon May 15, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: mirror or clone my windows 10 HD?
Replies: 10
Views: 728

mirror or clone my windows 10 HD?

I've spent over an hour so far googling on the internet and within the BH site to get some advice on which I want to do. I'm looking for a simple "mirror" or "clone" answer. All the answers seem too detailed for me. I need a KISS answer. I've been postponing installing the W10 Cr...
by heartwood
Sun May 14, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 34
Views: 3965

Re: Missing my Microsoft Money - any equivalents?

I've been putting off installing the Windows 10 Creators Update for fear that it will disable MS Money, which has worked in W10 so far.

Anyone using Money and done the update?

My main laptop is a chromebook. I love it, but use my wife's windows 10 laptop to access many years of Money.
by heartwood
Sun May 14, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 1973

Re: Where do you get your tea ?

sixtyforty wrote:I like loose leaf teas... mainly green teas & oolong. Organic if I can find it. Looking for online retailers to get my tea from.
Any recommendations ?


Some suggestions here: viewtopic.php?f=11&t=201665&hilit=tea
by heartwood
Sat May 13, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 14801

Re: Best DNA genealogy testing kits

NY Times dated May 12 2017: New Gene Tests Pose a Threat to Insurers.

https://www.nytimes.com/2017/05/12/heal ... .html?_r=0

It profiles the use of 23andme to check for predilection for dementia and then buying LTC insurance if you're at risk.
by heartwood
Thu May 11, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 489
Views: 195575

Re: TV show recommendations?

Brockmire on IFC. http://www.ifc.com/shows/brockmire Not for the politically correct or those sensitive to language, but it's so funny. Hank Azaria and Amanda Peet are, respectively, a washed up baseball announcer and the owner of a rust belt minor league team. Tyrel Jackson Williams is strong as th...
by heartwood
Wed May 10, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2595

Re: Samsung or LG tv?

We bought a new 65 inch 6 months ago. We had planned to buy another Samsung. We went to Best Buy to price and buy. The OLED has a great picture but was pricey. The salesman suggested looking at Sony. We liked the picture and the price compared to the LG. Plus its android. We bought the Sony and have...
by heartwood
Fri May 05, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1023

Re: Does Your Doctor Take Funds From Drug Companies?

As DaftInvestor reports you can drill down and see what the details are. For one of my docs, in 2015 in a multi doc practice with many office staff, there are $2165 in food and beverage "payments" related to specific drugs from many drug companies, a total of 176 different payments. To me ...
by heartwood
Fri May 05, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1023

Re: Does Your Doctor Take Funds From Drug Companies?

DaftInvestor wrote:My family Doctor received $10. Does this mean I should find a new Doctor???

What does $10 mean? Does it mean they simply mailed him a free pen with their logo?


I looked quickly and could find no description of what the number meant or even suggested.
by heartwood
Tue May 02, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3077

Re: Great knife for slicing limes and raw potatoes

I use a chef's knife to cut potatoes and a paring knife to cut limes/lemons. I sharpen them regularly. Here are my daily use knives: Chef's knife: https://www.amazon.com/gp/product/B00760ANEA/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 Paring knife: https://www.amazon.com/gp/product/B008M5U1UE/r...
by heartwood
Tue May 02, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: My library is switching to Cloud Library from Overdrive: no more kindle!
Replies: 5
Views: 884

My library is switching to Cloud Library from Overdrive: no more kindle!

My public library (in fact a four county system of 76 libraries) is switching from Overdrive to the 3M Cloud Library app for ebooks. As far as I can tell I will only be able to read library books in the CL app on specific devices. With the exception of Kindle Fire, most kindles are not able to use C...
by heartwood
Mon May 01, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market Fund (VMMXX)
Replies: 24
Views: 3568

Re: Vanguard Prime Money Market Fund (VMMXX)

Thanks, that's a helpful link regarding Vanguard PABs.

I'll mention that I didn't realize that until February(?) VMSXX was called Vanguard Tax-Exempt MM. It's now named the Vanguard Municipal MM. I was wondering why there were no annual reports under the new name ... My confusion.
by heartwood
Mon May 01, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market Fund (VMMXX)
Replies: 24
Views: 3568

Re: Vanguard Prime Money Market Fund (VMMXX)

I don't know about OP's tax rates but you may want to also consider VMSXX ( Vanguard Municipal Money Market Fund ) which has an SEC yield of 0.78%. A comparable taxable MM fund would have to have a yield of 1.08% ( at 28% Fed tax rate). I would choose VMSXX over VMMXX in that case. I am in the 25% ...
by heartwood
Sun Apr 30, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market Fund (VMMXX)
Replies: 24
Views: 3568

Re: Vanguard Prime Money Market Fund (VMMXX)

I don't know about OP's tax rates but you may want to also consider VMSXX ( Vanguard Municipal Money Market Fund ) which has an SEC yield of 0.78%. A comparable taxable MM fund would have to have a yield of 1.08% ( at 28% Fed tax rate). I would choose VMSXX over VMMXX in that case. I saw your post ...
by heartwood
Sun Apr 30, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: When spousal benefits stop
Replies: 14
Views: 2459

Re: When spousal benefits stop

I have been receiving spousal benefits for the past 3 years and my last month will be April 2018 when I turn 70. In May 2018, I will start receiving social security based on my own record. Today I received a letter from SS stating that I have to apply for my own social security online based on my o...
by heartwood
Sun Apr 30, 2017 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market Fund (VMMXX)
Replies: 24
Views: 3568

Re: Vanguard Prime Money Market Fund (VMMXX)

Wow! It's up to 0.96%. Sounds like I'll be moving back soon too. Wonder what Ally will do when it sees so much money moving back to Vanguard? They already bumped up the yield by 5 basis points, but at the rate prime is moving the last couple of months it may be significantly higher than Ally in a v...
by heartwood
Sat Apr 22, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 489
Views: 195575

Re: TV show recommendations?

Fargo, season 3. A 90 minute episode starts very slowly with perhaps a dozen story threads, all in what maybe a shared universe. So slow in the beginning I considered not finishing the episode. By the end I was hooked. As often much wry dialog or outlandishness. The Coens are listed as executive pro...
by heartwood
Sat Apr 22, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2321
Views: 692308

Re: What Book Are You Currently Reading? Part VI

I read Tana French's In the Woods last year. It's a Dublin (Ireland) Murder Squad story set in the early 2000s. I liked it. I'm midway in her 2nd Murder Squad book, The Likeness. Some of the same characters, but a very different mileau. A woman is found murdered out in the country. She looks exactly...
by heartwood
Fri Apr 21, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Roadside Assistance, Chase Sapphire Preferred
Replies: 5
Views: 742

Re: Roadside Assistance, Chase Sapphire Preferred

check https://www.chase.com/card-benefits/sapphirereserve/travel under Roadside Assistance The following information is a summary only. Please see your Guide to Benefits for complete details. Benefit Overview Provides access to a variety of roadside assistance services while traveling in the U.S. an...
by heartwood
Fri Apr 21, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: What to do with books
Replies: 16
Views: 1146

Re: What to do with books

Our experience differs. I'd suggest calling your library or Goodwill, etc before you load the books in your car. In my area not only does Goodwill not pickup, but they do not accept book donations. None of the local libraries accept books either; just too many to handle I'm told. In a short move a c...
by heartwood
Fri Apr 21, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253374

Re: What's Your Credit Card Rewards Strategy?

I currently have an AMEX Blue Cash Everyday card paying 3% at supermarkets and lesser amounts for other categories. The card has no fee. There's currently an offer to switch to their Blue Cash Preferred card for $95 a year and receive 10% on restaurants for up to $2000 in purchases or 6 months which...
by heartwood
Thu Apr 20, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Fidelity card 2% but NOT as statement credit
Replies: 27
Views: 2630

Re: Fidelity card 2% but NOT as statement credit

Fidelity only provides 2% cash back when the money is deposited into an eligible Fidelity account. I have a cash management (aka checking) account with them where I receive the full 2%. Otherwise the points are only worth .5 cents each. We use the cash management account as our ATM account, especia...
by heartwood
Mon Apr 17, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Personal Assistants: Amazon Echo or Google Home?
Replies: 7
Views: 712

Re: Personal Assistants: Amazon Echo or Google Home?

I've had a Google Home for 5 months or so, bought from the Google Play Store. My choice was based primarily on having all my music in Google Play Music plus a subscription to the Google Music service. I have very few songs on Amazon and do not have a Amazon Music Unlimited subscription. However ther...
by heartwood
Sat Apr 15, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade, now legacy software doesn't work
Replies: 35
Views: 2715

Re: Windows 10 upgrade, now legacy software doesn't work

Last September Windows 10 updated and my legacy software stopped working. i did a roll back and defer upgrades, and i was back in business. Today Windows updated itself, and once again, my legacy software has stopped working properly. I tried compatibility mode -- still doesn't work. Should i do a ...
by heartwood
Thu Apr 13, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Amazon Dot sound quality w/o other speakers
Replies: 7
Views: 547

Re: Amazon Dot sound quality w/o other speakers

Thanks to all. I just bought one to be delivered Saturday.
by heartwood
Thu Apr 13, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Amazon Dot sound quality w/o other speakers
Replies: 7
Views: 547

Amazon Dot sound quality w/o other speakers

I've read several of the Amazon Dot threads, but would like an update. I currently have a Google Home and am very satisfied with it. I'm looking for something comparable for another location and something that's more packable. I'm intrigued by the price point for the Dot, less than 40% of the Home. ...
by heartwood
Sun Apr 09, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax] software asks driver license number
Replies: 15
Views: 1449

Re: [Tax] software asks driver license number

Seems its required by NYS if you use tax software for a personal return.

https://www.tax.ny.gov/pdf/pit/driver-l ... ements.pdf

We had to provide ours to our CPA to file a non-resident NY return for 2016.
by heartwood
Sun Apr 09, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 5688

Re: What online bank do you use?

Any experiences with https://www.gsbank.com/savings-products ... l?prod=SAV

Goldman Sachs: 1.05% APY, no minimum to open, $1 minimum balance.
by heartwood
Sat Apr 08, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 2076

Re: Cordless Vacuum Cleaners

We have the Dyson V6 Motorhead Plus Cordless Vacuum https://www.costco.com/Dyson-V6-Motorhead-Plus-Cordless-Vacuum.product.100161934.html?krypto=oshP69TSaoOqUUDi47e9fhrPVp5AidxhkMCP%2FcY%2FvKWI9T9ZlvPhhpp%2BYVp0hkidQ0GDa4TGZod7%0AYW6V8oDQpkadZe805%2BsfefAJ2uIRkAo%3D currently (4/8/17) $289.99 at Cos...
by heartwood
Sat Apr 08, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Money software user & Chase Bank's discontinuance of its support
Replies: 9
Views: 647

Re: Money software user & Chase Bank's discontinuance of its support

I'm a holdover Money s.w. user. I just learned this morning from Chase's tech team that Chase will no longer support Money in downloading checking account transactions to Money s.w. You can download the Quicken format and import it into Money. With some tweaks you can make it automatic. I saw this ...
by heartwood
Sat Apr 08, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Money software user & Chase Bank's discontinuance of its support
Replies: 9
Views: 647

Re: Money software user & Chase Bank's discontinuance of its support

I'm a holdover Money s.w. user. I just learned this morning from Chase's tech team that Chase will no longer support Money in downloading checking account transactions to Money s.w. I found out about it when I ran into a "corrupted file" issue after attempting to download my Chase Amazon ...
by heartwood
Thu Apr 06, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: QR Code/Bar Code Readers?
Replies: 10
Views: 567

Re: QR Code/Bar Code Readers?

I use QR Code Reader on my android phone. It's free, 4 star rated; I don't recall any ads. I've used it perhaps 10 times in 5 years, but the last time was yesterday. https://play.google.com/store/apps/details?id=me.scan.android.client I just tried the QR code and bar code version by the same develop...
by heartwood
Sun Apr 02, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get another credit card for the inital bonus and other related questions
Replies: 11
Views: 949

Re: Should I get another credit card for the inital bonus and other related questions

There was a front page article in the 4/1 WSJ discussing your idea on steroids . I can't seem to ferret-out an online copy but this should be very useful to you. Your local library could be a good source. Be Well, fmhealth https://www.wsj.com/articles/if-you-have-29-credit-cards-youre-probably-a-mi...
by heartwood
Sun Mar 26, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Clearing customs in Seattle
Replies: 20
Views: 1648

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: 744

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...

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