Search found 852 matches

by bondsr4me
Mon Jul 16, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 46
Views: 6889

Re: Best options for cash in Schwab brokerage accounts?

I just got the letter about my cash being moved to the sweep fund and my thought is why do they get to override the decision I had already made about this. It can't be for my good. This is just an example of Schwab looking for a little way to profit off the people who won't read the notice and will...
by bondsr4me
Mon Jul 16, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 51
Views: 1952

Re: Have you ever purchased a pricy musical instrument?

It's been a while, but it seems to me I paid somewhere between $1,500 - $2,000 for a Sho-Bud pedal steel.

That was probably 10+ years ago.
by bondsr4me
Mon Jul 16, 2018 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 45
Views: 1964

Re: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?

Whether 2 or 3 funds depends on your risk profile. How much risk are you willing to assume when the stuff hits the fan? Did you hold and not change these investments during the turbulence of Oct 2007 - Mar 2009. We “could” be on the cusp of the end of the bull market. There again, maybe not; who rea...
by bondsr4me
Sun Jul 15, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Reading glasses for driving
Replies: 11
Views: 830

Re: Reading glasses for driving

euroswiss wrote:
Sun Jul 15, 2018 8:14 am
Please don’t drive and try to read your phone or GPS (this is what the voice directions are for on your GPS). It is EXTREMELY dangerous! Instead, pull over to manipulate your devices - if you do that, you can easily manage a pair of normal reading glasses.
+1

Very sensible advice.
by bondsr4me
Sat Jul 14, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy T-Bills
Replies: 33
Views: 2603

Re: How to buy T-Bills

i have never bought T bills.. but i was thought of buying from vanguard.. they have a link under investing CD .. there is an option to buy t bills. I buy CD's from there.. has anyone had any issues? While I usually buy my bills at Treasury Direct or Fidelity, I have bought bills at Vanguard. No iss...
by bondsr4me
Sat Jul 14, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 43
Views: 2978

Re: 1-year Treasury Bill auction

I recently bought some secondary Treasuries maturing 8/15/18 with YTM of 1.823% and 1.833%. With rates on the rise, I am keeping things highly liquid for now. I don’t want to go out too far right now, but that’s just me. I used VG for these purchases and am quite happy with the VG platform. Have a g...
by bondsr4me
Fri Jul 13, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Does tilting towards shorter-term bonds make sense?
Replies: 15
Views: 1665

Re: Does tilting towards shorter-term bonds make sense?

The host of an investing podcast I frequently listen to mentioned he is steering clear of medium-to-long duration bonds, given the likelihood of a continued rising interest rate environment. He also mentioned that given the flattening yield curve, you don't sacrifice much upside but mitigate a lot ...
by bondsr4me
Fri Jul 13, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42712

Re: 2-year CDs at Vanguard and Fidelity Today

At Schwab, I took about 35 months at 3.05% and ~3.5 year at ~3.2% at the end of last week. But with their commission structure on secondary, only those with 10 or more available tend to be worthwhile. If I had waited to today, I may have done a little better from what I see. I had figured the marke...
by bondsr4me
Wed Jul 11, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 49
Views: 8480

Re: Vanguard - You'll need to sign up for security codes soon

I have been using 2FA at VG for a quite a while and really like it.

I like receiving the code via text message.

It works really well for me.
by bondsr4me
Wed Jul 11, 2018 5:54 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1043
Views: 184053

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Schwab gave us a bonus on our joint brokerage account and a bonus on an IRA account. how much bonus? I already have a joint brokerage there but hold most assets elsewhere. I might be tempted to move IRAs from Vanguard Your bonus will depend upon the amount you move to Schwab. You’ll have to call an...
by bondsr4me
Wed Jul 11, 2018 5:51 am
Forum: Investing - Help with Personal Investments
Topic: Multiple IRA accounts with Vanguard
Replies: 3
Views: 391

Re: Multiple IRA accounts with Vanguard

I have two IRA accounts with Vanguard. In earlier years, my contribution was tax-deductible; later I wasn't qualified for tax deduction but I continued to make non-deductible contribution. So I have two accounts to keep track of them separately. Each account keeps a few funds there. Today I got my ...
by bondsr4me
Tue Jul 10, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1043
Views: 184053

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Schwab gave us a bonus on our joint brokerage account and a bonus on an IRA account. We had to leave the money at Schwab for 1 year or they would claw back the bonus. We are allowed to take some money out, but NO transfers out or else the clawback of the bonus. Our one year expires later this month....
by bondsr4me
Tue Jul 10, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2219

Re: Should I move all my investments to Vanguard?

I have consolidated all of my accounts at Vanguard. Although their technology is arguably not the best, the simplicity and convenience of having one custodian outweighs the disadvantages. The security question of having on one custodian (Vanguard or Schwab or Fidelity) is not a concern and should n...
by bondsr4me
Tue Jul 10, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2219

Re: Should I move all my investments to Vanguard?

I think the split you have is certainly OK.
They are both excellent firms.

That is most likely where I am heading.
I currently use Vanguard, Fidelity, Schwab and TDA, but I will be culling the list.

If I had to choose just one it would be Vanguard.
I trust VG the most.

Have a great day,

Don
by bondsr4me
Mon Jul 09, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: "15 Things You Didn't Know About Vanguard Group"
Replies: 13
Views: 3488

Re: "15 Things You Didn't Know About Vanguard Group"

Bogleheads: Interesting video showing the inner-workings of Vanguard and how Jack Bogle has saved trillions of dollars for investors. 15 Things You Didn't Know About Vanguard Group Best wishes Taylor Taylor Thank You for the link. Vanguard and Jack Bogle are the best. He has done more for the indiv...
by bondsr4me
Mon Jul 09, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3242

Re: Any kayakers here?

My wife and I have been kayaking for about 3 years now.
We really enjoy it.
We go to state park lakes.
I prefer calm water, although we may try a few streams, but NO white water stuff for sure.

Don
by bondsr4me
Sun Jul 08, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 96134

Re: Pull-ups and Push-ups

I do 140/150 pushups 3-4 times/wk. I start with 2 sets of 25; then 2 sets of 30; and then one set of 30 or 40 if I can. On my “off day” I lift some light weights; dumbbells of 20/lbs and 8/lbs. I usually do 4 different workouts of 8 reps. I do yoga M-W-F (my “off day”). I also play racquetball on Tu...
by bondsr4me
Sat Jul 07, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 1883

Re: Fidelity vs Schwab

I have accounts (for now) at these 3 plus Vanguard. Of the 3 you mentioned my top pic is Fidelity. Schwab is OK, but not my favorite. TDA has great technology. Of the 4 firms, if I could only use just 1, it would be Vanguard. I TRUST VG the most and the website is pretty easy to use. I like Fidelity...
by bondsr4me
Fri Jul 06, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2393

Re: Surface Pro(2017) vs 10.5" iPad Pro

Interesting discussion as I am trying to decide between the 2. I was planning on waiting for the new Ipad Pro to come out but I am currently leaning towards the Surface Pro. I feel that the surface pro would be better for completing work tasks and using excel. Also, I tend to use my iphone for ever...
by bondsr4me
Wed Jul 04, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2393

Re: Surface Pro(2017) vs 10.5" iPad Pro

I have an iPadPRO 10.5” and a Surface Pro 4. They are both very good. They each have advantages. The iPad battery is longer lasting. The SP4 opens multiple windows as opposed to only 2 windows for the iPad. To me, the SP4 pencil is easier to use. There is new SP coming out in the near future. The Ve...
by bondsr4me
Mon Jul 02, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Schwab requires ONE TIME 2-factor auth of web devices
Replies: 8
Views: 557

Re: Schwab requires ONE TIME 2-factor auth of web devices

I always use the "private" window when on the internet, for both Mac OS and Windows 10. i have my browsers set up to not allow cookies or history to be stored; I always delete cookies and history anyway. I have to use the 2 factor authorization EVERY time I log into Vanguard and Schwab which suits m...
by bondsr4me
Mon Jul 02, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: Tariffs/Inflation/Rates
Replies: 24
Views: 1704

Re: Tariffs/Inflation/Rates

All, I'm relatively young and haven't been an adult during rising interest rates, inflation and now tariffs. Anyone have any idea how this is going to work out? Will the Tariffs (maybe short lived) increase Inflation, thus causing the Fed to raise interest rates faster? Is there anything we as bogl...
by bondsr4me
Sat Jun 30, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Are options, futures good investments?
Replies: 19
Views: 1726

Re: Are options, futures good investments?

Options, used properly, can add to (or unfortunately deduct from) your investment results. I don’t consider options to be an investment though. Two option strategies I use occasionally are selling covered calls and naked puts. You need to understand these strategies in detail BEFORE you use them. Do...
by bondsr4me
Thu Jun 28, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2594

Re: Financial Newspapers & Publications

The first reading I do every morning and throughout the day is Apple News and Microsoft News. I like it that they both give brief concise info on what's happening. I read the free pdf version of the WSJ daily, but only the business/market stuff. I also read/subscribe to Barrons ($48/yr). When I have...
by bondsr4me
Tue Jun 26, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42712

Re: 2-year CDs at Vanguard and Fidelity Today

Has anyone tried putting in a bid below ask price, and got filled? Seems to me it is a very illiquid market and you either buy at the ask price, or not buy at all. I have put in below market orders for bonds as "limit"orders; a few have gotten filled as the market changes during the day. I don't me...
by bondsr4me
Tue Jun 26, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42712

Re: 2-year CDs at Vanguard and Fidelity Today

Still learning. I am looking at 55266CJZ0 in Vanguard secondary market. I see quantities "250 5" and "1 4". When I click on anything that I can click on I get the screen where you enter the quantity but the quantity reads " 1 to 4". No choice for "250 5". But I can key in a quantity of 1 to 4 and a...
by bondsr4me
Mon Jun 25, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: "The Vanguard Group Rules"
Replies: 1
Views: 602

Re: "The Vanguard Group Rules"

Thanks for the link Taylor. I especially like "Vanguard's corporate structure removes the potential for conflict........". I don't like the "Vanguard does not disclose how much it pay senior leadership". We as "owners" have the right to operational and financial information. I do like the part of "a...
by bondsr4me
Mon Jun 25, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3115

Re: Compliments for Vanguard?

I've had my portfolio in Vanguard for almost 30 years. ..... I've been with Vanguard for over 22 years, ..... I've been with Vanguard since 1982. .... I have been a Vanguard customer for 38 years. .... I am envious when I read the time people have been with VG. And a little painful. While life is g...
by bondsr4me
Sun Jun 24, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3115

Re: Compliments for Vanguard?

I must say it is really nice to see all the positive posts about Vanguard. It seems there is a lot of bashing of VG here, and probably deserved so. But, no firm, not Vanguard, not Schwab, not Fidelity, not TDAmeritrade, are perfect. They all have their pluses and minuses. I have accounts (at least f...
by bondsr4me
Wed Jun 20, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4035

Re: iPad Pro 12.9": Replacement for Laptop?

I've used Macs for 25+ years exclusively. I've used an ipad for 7 to 8 of those years for business; primarily word processing, spreadsheets, record-keeping, email and internet. I recently purchased a new MacBook Pro and have found it far more suitable for everything I like/need to do and have prett...
by bondsr4me
Wed Jun 20, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1209

Re: Cataract surgery - one or two?

My eye surgeon did one eye a time; he didn't want to do both incase of any complications.

I had one eye done on a Monday; the other eye on the following Monday.

No problems with either eye.

Good Luck with your eyes!

Don
by bondsr4me
Wed Jun 20, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4035

Re: iPad Pro 12.9": Replacement for Laptop?

I've used Macs for 25+ years exclusively. I've used an ipad for 7 to 8 of those years for business; primarily word processing, spreadsheets, record-keeping, email and internet. I recently purchased a new MacBook Pro and have found it far more suitable for everything I like/need to do and have prett...
by bondsr4me
Mon Jun 18, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5143

Re: Road trip Pennsylvania,Maryland,and DC

You may also want to consider flying into Harrisburg, PA (MDT). MDT is a very low stress airport compared to PHL, IAD, or BWI. Not to mention fewer delays. HIA (MDT) is now served by Delta, United, and American, but yes, flight choices are limited. Frontier is starting service in July. http://www.f...
by bondsr4me
Mon Jun 18, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5384

Re: What are your hobbies?

racquetball (not sure how much longer; knee issues).

golf (not a hugh fan tho)

biking

kayaking

investing (yes its a hobby)

have a steel guitar, but don't bend the strings much anymore.

would like to learn to play a 6 string geetar.
by bondsr4me
Mon Jun 18, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4035

Re: iPad Pro 12.9": Replacement for Laptop?

For your uses an iPad Pro would be very good. I have been using Apple products since 2006 and have extremely happy with all. My wife and I each have a MacBookPro, an ipadPro 10.5 with Apple Pencil, an iPhone 6sPlus, an Apple Watch. We love the compatibility of all these. We also have a Surface Pro ...
by bondsr4me
Mon Jun 18, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Independent Franchise
Replies: 25
Views: 1807

Re: Schwab Independent Franchise

An article last year https://www.fa-mag.com/news/schwab-to-ramp-up-franchise-branch-program-34918.html?section=3 talked about a couple of Schwab Franchise branches. When I checked the population of the cities they were located in it seemed that they were all in cities with a population under 250,00...
by bondsr4me
Sun Jun 17, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4035

Re: iPad Pro 12.9": Replacement for Laptop?

I have been traveling with an old laptop, smaller iPad Pro and a Kindle. Instead of a new laptop, I am considering replacing all 3 devices with a 12.9 inch iPad and Apple Smart Keyboard. My computing needs consist of Keynote presentations, word processing, email and the web. I am wondering if anyon...
by bondsr4me
Fri Jun 15, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 25
Views: 2825

Re: Vanguard or Charles Schwab account

OP Beings you already have a Fidelity account, why not open an account at both Schwab and Vanguard. Give each firm a year to see how well you like/dislike them. You'll get to experience the website interface, customer service and tax reporting of each firm. You probably wouldn't buy a car solely bas...
by bondsr4me
Tue Jun 12, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard -Data Concerns
Replies: 29
Views: 2323

Re: Vanguard -Data Concerns

Data concerns.... If anyone is truly concerned about VG's data integrity, if it keeps you from sleeping or really bothers and upsets you, the best thing you can do is leave Vanguard. If I ever felt that I had to constantly check my broker's data accuracy/integrity, I would leave in a heartbeat. Trus...
by bondsr4me
Sun Jun 10, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 180
Views: 21605

Re: Torn between Vanguard, Fidelity and Schwab

Amanda999 wrote:
Sun Jun 10, 2018 6:25 pm
whodidntante wrote:
Mon Feb 05, 2018 11:29 pm
Vanguard is like that ex you can't quit. It's not a good idea to keep your stuff in her house.
Best line I've ever read on this forum!

+1

That IS kinda funny...like it! :)

Seriously...any of the three are good.
I do favor Fidelity’s bond trading screen more than VG or CS.
by bondsr4me
Fri Jun 08, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 22525

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

The financial crisis taught a really valuable lesson. And that is, bonds provided: 1) safety, and more importantly 2) a pool of assets that were available to rebalance to stocks. In hindsight, staying the course was the best decision we made. There's posts on this forum and a lot mention bonds drop...
by bondsr4me
Fri Jun 08, 2018 7:08 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 22525

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

I greatly admire and respect Warren Buffett. He is, IMHO, the greatest investor of all time. Not only is he a great investor, he is a great human being. His, and Bill Gates philanthropy are proof of that. But I don't invest like Warren because I am not Warren. I do what is best for me based on my pe...
by bondsr4me
Wed Jun 06, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1043
Views: 184053

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For straight cash with 100k, the TD Ameritrade deal is probably the best at $500. https://www.tdameritrade.com/offer/tdbankoffer/index.html This is perfect. Thank you very much! MichDad Did Schwab give you the bonus? I'm asking them to match at the $1000 level for a rollover. Not planning on churni...
by bondsr4me
Thu May 31, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Writing Checks on a Schwab IRA
Replies: 22
Views: 1108

Re: Writing Checks on a Schwab IRA

Vanguard offers the same thing. However, Vanguard checks have a $250 minimum. I wrote a check for less than the $250 min (I forgot about the minimum). VG processed it as usual; they didn't holler at me; didn't make me stand in the corner with a dunce cap on; no nasty emails. I honestly don't know h...
by bondsr4me
Thu May 31, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78085

Re: [What TV Show Have You Recently Watched?]

Gunsmoke; we record it and then watch it every evening.

I also like to watch The Lone Ranger; don't record it tho.

Luv the old-time cowboy stuff....the Good Guy always wins!

Don
by bondsr4me
Thu May 31, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Writing Checks on a Schwab IRA
Replies: 22
Views: 1108

Re: Writing Checks on a Schwab IRA

Vanguard offers the same thing. However, Vanguard checks have a $250 minimum. I wrote a check for less than the $250 min (I forgot about the minimum). VG processed it as usual; they didn't holler at me; didn't make me stand in the corner with a dunce cap on; no nasty emails. I honestly don't know h...
by bondsr4me
Wed May 30, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 12071

Re: To be or not to be complex, that is the question

Rick: good piece...thanks for sharing it with us. I do believe simple is better than complex. The time, knowledge, assets, information requirements to establish and maintain a "complex" portfolio are/can be a tremendous burden. "less" time spent on managing investments can mean "more" time enjoying ...
by bondsr4me
Mon May 28, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 57
Views: 8614

Re: Schwab Vs Fidelity Vs Vanguard

We have accounts with Fidelity, Schwab, Vanguard, and TDA. To me, Fidelity’s bond screen is the best hands down. I like Schwab’s Street Smart Edge for stocks, but Fidelity’s Active Trader Pro is pretty good too. VG’s website is very elementary and simple, but I don’t like trading bonds with them...t...
by bondsr4me
Mon May 28, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: "The Seven Types of Investors Who Beat The Market (And Why You Aren’t One Of Them)"
Replies: 14
Views: 3395

Re: "The Seven Types of Investors Who Beat The Market (And Why You Aren’t One Of Them)"

I like to see people like Jim Simons who do so well, yet seem to be so “unassuming”. I put Warren Buffett in this class, although I don’t consider WB to be a “quant”. Simons’ “Math for America” and “MoMath” may well help find another bright math star. The market can be beat, but not by me. I enjoy t...
by bondsr4me
Sun May 27, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 44
Views: 2627

Re: Considering iPad to replace failing Nexus tablet

My wife and I have iPad Pros with Apple Pencil.

Really like them.

The pencil is worthwhile if you like to make notes.

Don