Search found 973 matches

by heartwood
Thu Jul 20, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 26
Views: 1315

Re: Office 2007 end of life

Depending upon the complexity of your documents you might try https://office.live.com/start/Excel.aspx# It's free but lacks some of the bells and whistles of a paid version. It's all in the cloud. You can upload existing Office documents or create new ones that then are edited online. It's a small l...
by heartwood
Thu Jul 20, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: Keurig vs coffeemaker - and the Keurig won
Replies: 39
Views: 2186

Re: Keurig vs coffeemaker - and the Keurig won

Funny that in all of the threads few comment on the taste. I've tried most (all?) of the Keurig coffees, many several times, and they all taste like less than I want. In my personal Keurig v. Bonavita (with a blend of Indonesian arabica) tests my Bonavita wins. Not on convenience, but on flavor and ...
by heartwood
Wed Jul 12, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Rental Car - Which Credit Card to be used
Replies: 9
Views: 620

Re: Rental Car - Which Credit Card to be used

For a credit card to give coverage the reservation and payment must all be done on the same card. Also, for the typical free secondary coverage provided by most cards, you can not be using any type of points to pay for the rental and still have insurance coverage. Amex has a program you can sign up...
by heartwood
Wed Jul 12, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Is booking travel via Chase Travel Portal cheaper?
Replies: 15
Views: 1533

Re: Is booking travel via Chase Travel Portal cheaper?

Two weeks ago we tried to book airfare for September via Chase Travel and found no availability for a direct flight. United had plenty of seats. I tried several times over a couple of days with the same result. We booked directly with United. For January Chase shows availability similar to United bu...
by heartwood
Tue Jul 11, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12675

Re: Costco with a "gentle" bump for memebership

Do you buy gas at Costco? In our area, Costco gasoline is around 60-70 cents/gallon cheaper than gas stations. I find that hard to believe. Not saying you're wrong, but Costco can only do so much. Last week in the northeast, lowest regular at several nearby commercial stations was $2.19. Costco was...
by heartwood
Tue Jul 11, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 71
Views: 7696

Re: Amazon prime day

[quote="CardinalRule"]Amazon's case is relatively expensive. There are lots of alternatives and many different types; we ended up with this one:

Link to Amazon product page: http://a.co/2mcEheE

Thanks, looks good!
by heartwood
Tue Jul 11, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 71
Views: 7696

Re: Amazon prime day

[quote="CardinalRule"]The current generation Fire HD 8 is a very nice, well-reviewed device, and a better buy and performer than the 7 inch or 10 inch versions. A great Prime Day deal at $49 - I just bought one two weeks ago for $79 :oops: [quote="saltycaper"][quote="munemak...
by heartwood
Sat Jul 08, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 4195

Re: Cheap TV Set-up for Limited Daily Use

Define small.

Not many (any?) small TVs available. Smallest at best buy looks like 19 inches and $70. We went through this awhile ago. There seems to be no counter top TVs anymore. We were unable to find a 9 or 12 or similar size.

edit: I should have googled 14 inch tv or similar. Lots.
by heartwood
Sat Jul 08, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: VASIX and Checkwriting for monthly expenses [Vanguard LifeStrategy Income]
Replies: 7
Views: 625

Re: VASIX and Checkwriting for monthly expenses [Vanguard LifeStrategy Income]

I'm not sure I see the benefit. Say you get paid $100/week and it gets deposited into your VASIX fund, then you write an $80 check and deposit it into your checking account from which to pay bills. In the end you have $20 in an investment account and $80 in a checking account. Why not just have the...
by heartwood
Sat Jul 08, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 119
Views: 10411

Re: Are you finding any good values at Amazon anymore?

I find cat litter to always be cheaper in brick and mortar stores than Amazon. Also, brick and mortar stores seem to frequently have cat litter on sale, thus widening the price gap even more. Although I usually buy cat litter at Costco, occasionally I buy it through Costco.com. It may be a little m...
by heartwood
Thu Jul 06, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: HO Insurance Deductible
Replies: 15
Views: 1032

Re: HO Insurance Deductible

How high of Homeowners insurance deductible do bogleheads select to decrease premium? I have Hurricane deductible (FL) at 2% and the other peril at $2,500. TIA I believe the common advice is to go as high as you can reasonably cover yourself or out of your emergency fund .. Do you mean equal to you...
by heartwood
Thu Jul 06, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 2837

Re: Do you keep a balance in your settlement fund?

I am enjoying a new Cash Management Fund with Vanguard with one of my settlement funds. I don't know the rules for their bill pay so I am keeping enough in there to pay my bills upcoming for the next month. I believe that I am getting .88 percent which seems like a lot to me compared to what I was ...
by heartwood
Thu Jul 06, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2457
Views: 760200

Re: What Book Are You Currently Reading? Part VI

The Annihilation Score by Charles Stross. This is one of the series of novels about The Laundry, a secret (yet still bureaucratic) British organization that battles eldritch threats. The books are a combination HP Lovecraft/thriller/Dilbert. While the previous books had been from the viewpoint of B...
by heartwood
Thu Jul 06, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: HO Insurance Deductible
Replies: 15
Views: 1032

Re: HO Insurance Deductible

How high of Homeowners insurance deductible do bogleheads select to decrease premium? I have Hurricane deductible (FL) at 2% and the other peril at $2,500. TIA I believe the common advice is to go as high as you can reasonably cover yourself or out of your emergency fund. We have a $5000 deductible...
by heartwood
Tue Jul 04, 2017 6:08 am
Forum: Personal Finance (Not Investing)
Topic: finding lost bonds
Replies: 3
Views: 652

Re: finding lost bonds

evad wrote:Anyone have any insight into why the Treasury Hunt application is down, and when it may return?


No, perhaps use the "contact us" link in the upper right of the page to ask them.
by heartwood
Sun Jul 02, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Any alternatives to Fed MM or bond funds for LLC at Vanguard?
Replies: 4
Views: 418

Re: Any alternatives to Fed MM or bond funds for LLC at Vanguard?

I'll take a look at both T bills and CDs when the market opens or later in the week. Thanks for both suggestions!
by heartwood
Sat Jul 01, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any alternatives to Fed MM or bond funds for LLC at Vanguard?
Replies: 4
Views: 418

Any alternatives to Fed MM or bond funds for LLC at Vanguard?

We have a single member LLC with a brokerage account at Vanguard. It holds Fed MM as the settlement account and Ltd-Term TE (VMLTX) as a shorter term holding for extra cash. I look at the performance details for VMLTX and see that it should be producing a positive return. Based upon sporadic ins/out...
by heartwood
Fri Jun 30, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 58
Views: 5630

Re: Robocalls! -- current best call blocker?

Note this thread is almost 5 months old. What's happened? Nomorobo doesn't seem to catch any calls anymore on my landline. I don't recall a single one/two ring with blocking in the last month or more. They all just ring through to my answering machine and then usually hang up. In those cases I frequ...
by heartwood
Thu Jun 29, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 2732

Re: Amazon Echo vs. Google Home: which to get?

so it sounds like music integration and playback is the MOST significant and used feature of these devices? Yes, but also a lot of "what's the weather?", "set a timer", what time is it? "what's my next appointment?" "add pizza to the shopping list" All preced...
by heartwood
Thu Jun 29, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 2732

Re: Amazon Echo vs. Google Home: which to get?

i am just starting to consider whether one of these eco-systems might work for our home. as an android user i am heavily invested in the google eco-system but i notice i have a few home devices that only seem currently compatible with Alexa/Echo (Arlo and Honeywell thermostat). does anyone have exp...
by heartwood
Wed Jun 28, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Voice Verification
Replies: 27
Views: 1933

Re: Vanguard Voice Verification

I'm still not understanding the value of this for me personally. I've never done medallion signatures and see no reason to. VG, like others, have had their share of systems issues and this just adds to the stack If they ask me what city I met my wife in I tell them. What am I missing? Probably noth...
by heartwood
Wed Jun 28, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Voice Verification
Replies: 27
Views: 1933

Re: Vanguard Voice Verification

I've used it since it was first offered. So does my wife. It allows us to do transfers between us that might require a paper form. I call in first, get the rep, my wife gets on and the rep does voice recognition with her and we complete the transaction. Here's Vanguard's description of the service i...
by heartwood
Tue Jun 27, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Receiving Magazines...Never Subscribed
Replies: 19
Views: 1077

Re: Receiving Magazines...Never Subscribed

We get free magazines for answering surveys here: https://www.rewardsurvey.com You answer maybe 30 multiple choice questions to earn "dollars" you can spend on a range of magazines. We gotten many over the years. A recent survey was about reality TV shows. It takes about 2 minutes to compl...
by heartwood
Sat Jun 24, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 2846

Re: Is Vanguard Website Down

wisevermilion wrote:It is working for me.


works for me too

If in doubt you can check http://www.isitdownrightnow.com/
by heartwood
Sat Jun 24, 2017 5:17 am
Forum: Personal Consumer Issues
Topic: HP Laptop - Black Screen - Help
Replies: 14
Views: 943

Re: HP Laptop - Black Screen - Help

Unplug the power and remove the battery. Plg the battery and restart. This has fixed 2 of my HPs. +1 on the above method. Worked for my HP when the laptop keyboard stopped working. And its fast and low tech supposedly reboots some drivers/switches? If not, have you tried some other fixes like remov...
by heartwood
Wed Jun 21, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Convert EE Savings Bonds at Treasury Direct?
Replies: 8
Views: 1089

Re: Convert EE Savings Bonds at Treasury Direct?

I'll post a follow-up: We created a TD account in a single name, created a manifest for our bonds, obtained a death certificate for an "or" listed owner of the bonds, and sent it all to the Treasury Direct address in Minneapolis. Based on comments here we put it all in a First Class envelo...
by heartwood
Tue Jun 20, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Does a tax managed fund belong in a roth acct
Replies: 8
Views: 737

Re: Does a tax managed fund belong in a roth acct

Past performance ... But perhaps 15 years ago I looked at Explorer and at Tax Managed Small-Cap for a portion of my IRA account. Based on then past performance I chose the tax managed fund. I even got a question back from Vanguard asking if I realized that the TM fund was meant to be held outside of...
by heartwood
Tue Jun 20, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2457
Views: 760200

Re: What Book Are You Currently Reading? Part VI

The Secret Place by Tana French. It's the 5th book in her Dublin Murder Squad series. I've read the previous ones and enjoyed each. I'll admit to having to google some of the Irish idioms used occasionally, several teaching me new words for private parts. As well as reminding me of that phrase "...
by heartwood
Mon Jun 19, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1456

Re: Trying to save money on prescription drug

I have a condition where I am coughing and wheezing at night. My doctor prescribed a medication for me called Qvar inhaler. I purchased it at Walmart Pharmacy and it is working. It looks like I will have to continue taking this medication on a regular basis. The cost is $176.00 for 120 doses, and i...
by heartwood
Fri Jun 16, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3963

Re: Best Cheap Champagne

Not a champagne, but an excellent cava if you're near a Total Wine store: Rondel Brut Cava at $8.99 49 reviews averaging 4.5; 96% recommend it. Here's my review from TW: "value, taste, our go to sparkler No competition to this wine in the many we've tasted below $20, and many above that price T...
by heartwood
Fri Jun 16, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 10882

Amazon Buys Whole Foods

Just in and Costco Walmart and others dropping big time on Fri AM.

Will WH remain teh store it is?

http://www.businessinsider.com/amazon-b ... are-2017-6
by heartwood
Thu Jun 15, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3389

Re: scary phone calls

For our android cell phones we use MrNumber. For spammers it (supposed to) ring once and stop. (see below) You can also block numbers. It's essentially a nomorobo for cells. I've used it for several years, as well as nomorobo on our fios landline. That said, neither MrNumber nor nomorobo work as wel...
by heartwood
Thu Jun 15, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: GE dishwasher rack coating
Replies: 18
Views: 932

Re: GE dishwasher rack coating

I have a GE dishwasher, several years old. The "rubberized" coating has started coming off the racks, more and more rapidly, exposing metal which is rusting. I expected this to be a simple, replace the upper and lower racks thing, but that turns out to cost almost $200 a rack. Forget that...
by heartwood
Wed Jun 14, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Genetic testing and insurance
Replies: 18
Views: 1753

Re: Genetic testing and insurance

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
Wed Jun 14, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Experience with HTTPS Everywhere?
Replies: 10
Views: 910

Re: Experience with HTTPS Everywhere?

The Chrome browser seems to check automatically and provide confirmation (a green lock icon) or a warning. I got one yesterday on a new site. As I started to enter my user name I got a pop-up from the browser that the site was "not secure". It suggested I not enter any user name, password,...
by heartwood
Tue Jun 13, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 26
Views: 1498

Re: Multi-page scanner?

You don't mention how much multi-page scanning you do. The Fujitsu mentioned above looks like a good scanner and is the #1 scanner at amazon. It's also over $400. https://www.amazon.com/Fujitsu-ScanSnap-Document-Scanner-PA03656-B305/dp/B01G3JYVYM/ref=dp_ob_title_ce If your usage is low or sporadic I...
by heartwood
Tue Jun 13, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: finding lost bonds
Replies: 3
Views: 652

Re: finding lost bonds

For US Savings Bonds try Treasury Hunt

https://treasurydirect.gov/indiv/tools/sbthunt1.htm

We used it and found an old bond after a relative died.

First link is unresponsive; a 2nd link below says its under maintenance.
https://treasurydirect.gov/indiv/tools/ ... ryhunt.htm
by heartwood
Mon Jun 12, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1471

Re: Anyone enrolled in Part B of Medicare?

Hi, Is anyone enrolled in Part B of Medicare (for above 65)? If yes, you just pay monthly premium and everything else is covered? Can anyone who has Part B of Medicare explain how it works? -FB While not clear on what you are actually asking, yes, I'm enrolled in Part B. Google "what medicare ...
by heartwood
Mon Jun 12, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2594

Re: House softener system

Right now I'm leaning towards getting a non-salt system. A friend just recommended H2o Concepts. Does anyone have experience with that? A quick look at their website suggests the basic system does not soften, it seems to be a water filter system unless you add "Amp Force". I'm skeptical o...
by heartwood
Sat Jun 10, 2017 6:32 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 21
Views: 1590

Re: Xfinity Mobile

quote "Currently, you cannot bring your own phone to the network. It is on Verizon's network." My experience is different. I have ATT as my primary smartphone provider. I also have Xfinity (comcast) service for internet, cable and phone at our condo. I downloaded an android app called Con...
by heartwood
Fri Jun 09, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2457
Views: 760200

Re: What Book Are You Currently Reading? Part VI

Lee Child, No Middle Name. A novella and a collection of previously published short stories most of which I've already read. I understand the next full novel,The Midnight Line, is due in November.
by heartwood
Fri Jun 09, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10430

Re: Jim Rogers predicting "crash of a lifetime" this year or next

mrc wrote:Who is Jim Rogers? :wink:


+1

no wink, I don't know who he is or his credentials and I've read the financial press for many years. I don't care enough to google him. I'm somewhat surprised that so many here apparently know who he is. Is he a boglehead? Now a wink.
by heartwood
Fri Jun 09, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 21
Views: 1590

Re: Xfinity Mobile

quote "Currently, you cannot bring your own phone to the network. It is on Verizon's network." My experience is different. I have ATT as my primary smartphone provider. I also have Xfinity (comcast) service for internet, cable and phone at our condo. I downloaded an android app called Conn...
by heartwood
Tue Jun 06, 2017 6:05 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2457
Views: 760200

Re: What Book Are You Currently Reading? Part VI

I started Britt-Marie was Here by Fredrik Backman the author of a Man Called Ove. I read and generally enjoyed Ove. I'm having a hard time getting into Britt-Marie. After three short chapters I'm ready to move on to something else. I don't like the character; I don't like the dynamics.
by heartwood
Mon Jun 05, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 127
Views: 18246

Re: The Wall Street Journal to close Google loophole entirely

The Journal reformatted a year or more ago. At least in the print edition M-Th only has A & B most days. Friday has 3 sections; Sa/Su has 4 section. Plus the magazine this past Saturday. Today there was an R section with the monthly Investing in Funds and ETFs in addition to the A & B. Today...
by heartwood
Mon Jun 05, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund now available
Replies: 71
Views: 15855

Re: Vanguard Ultra-Short-Term Bond Fund now available

Resurrecting a 2 yr old thread ... Vanguard Ultra Short Term Bond (VUBFX) is mentioned in the June 5, 2017 WSJ. It's a short sentence or two that's unclear to me. "Vanguard Group, for example, advises investors in its Ultra-Short-Term Bond Fund (VUBFX) to hold off on tactical moves as a way to ...
by heartwood
Sun Jun 04, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Problem with SavingsBonds.com
Replies: 8
Views: 1004

Re: Problem with SavingsBonds.com

They keep track of my paper ee bonds and each month update the new value of bonds and color code bonds so l know which bonds to redeem and not lose any interest. Perhaps its automated, sends you an email? The Treasury Direct link above does the same for me, manually, with a date change and hit ente...
by heartwood
Sun Jun 04, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Problem with SavingsBonds.com
Replies: 8
Views: 1004

Re: Problem with SavingsBonds.com

It's unreachable by me as well.


But, what is the site doing for you that Treasury Direct doesn't do? I've not heard of savingsbond.com before your post.

https://www.treasurydirect.gov/indiv/to ... ndcalc.htm
by heartwood
Sun Jun 04, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2457
Views: 760200

Re: What Book Are You Currently Reading? Part VI

I finished my 4th Tana French book, Broken Harbour. It's the 4th of her Dublin Murder Squad novels. I'm reading them in order and have enjoyed each of them. I'll pause a week or two from her books to catch up on some others that are on my e-reader. I've started Golden Prey by John Sandford. As the t...
by heartwood
Wed May 31, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 20140

Re: Laptop Purchase at Costco?

Something to watch out (depends on your state). Here in NJ, the sales tax at the warehouses are being charged before the discounts (on MSRP price)! This is somehow legally fine! Example: state tax here is 6.875%. An item with MSRP $1000 at Costco, and discounted to $500, would have a state tax of $...

Go to advanced search