Search found 1136 matches

by heartwood
Tue Feb 20, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 2999

Re: condo rental and emotional support animals issues

... I think you are worrying quite a bit about a rare situation. I have a cat. The cat uses his litter box. He does not have fleas. OP here. Agreed that it may be a rare event. We haven't had it happen to us so far. It has happened to other unit owners in our complex and has been the subject of muc...
by heartwood
Sun Feb 18, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 2999

condo rental and emotional support animals issues

I'm not sure if this belongs under Personal Consumer Issues or some other heading. First I don't want to debate or even address the issue of emotional support animals. Next I do generally understand the difference between a service animal and an ESA. My question relates to the rental of our condo wh...
by heartwood
Fri Feb 16, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2676

Re: Signed up for American Express - "Premium" car rental insurance

AMEX premium car insurance is good for up to 42 days on a single rental for the $19.99 fee (or 24.99 for high amounts). We used it for years. We had one claim that was well handled by AMEX despite lack of response from AVIS. AMEX handled it all. We did not interface with AVIS at all, beyond giving t...
by heartwood
Fri Feb 16, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Can I track a friend's trip on my Windows computer?
Replies: 12
Views: 1286

Re: Can I track a friend's trip on my Windows computer?

Not for Windows computer, but on smartphones we use xFi Locator. There's a free and a paid version. Free has better reviews. We've used it for several years.
by heartwood
Thu Feb 15, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2048

Re: Recommend me a good laser printer for a chromebook!

There is a nugget close to the end of this post related to "deep sleep" using Brother laser printers. Our less than a year old HP Envy 4520 at our condo went funky about two weeks ago. First it ran out of ink;we refilled at Costco. A week later it started printing all black pages and again ran out o...
by heartwood
Thu Feb 15, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Vanguard Deposit Question
Replies: 10
Views: 607

Re: Simple Vanguard Deposit Question

When I look at any of my mutual fund account 'current balances' page there is a 'Order investment slips' link in the upper right hand corner of the screen. Clicking on the link takes me to a page where I can order deposit slips for any of my accounts. I don't use a brokerage account so don't know h...
by heartwood
Wed Feb 14, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Short Term Tax Free Bond ETF
Replies: 9
Views: 766

Re: Short Term Tax Free Bond ETF

Vanguard Limited Term Muni (VMLUX) currently yields 1.66% and has pretty low volatility. This is the Admiral version so the regular version will be slightly less. But both are less than inflation so they are loosing money over time. Good Luck. The OP doesn't mention the time frame of the investment...
by heartwood
Wed Feb 14, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6586

Re: PSA: Bank of America now charges $12/month for checking

I guess there's some new policy at BofA, I was hit with a $12 fee from my checking account. I was no longer using the account and only kept $300 in savings to avoid monthly fees. Now I was charged the $12 checking fee and a $12 fee for pulling money from the savings to cover the overdraft. And I'm ...
by heartwood
Mon Feb 12, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2854
Views: 894734

Re: What Book Are You Currently Reading? Part VI

Thunderstruck By Erik Larson. How does that compare to The Devil in the White City , which I read and enjoyed? I find Larson a very uneven author. I enjoyed Devil in the White City. I thought I'd read Thunderstruck, but when I look at the synopsis I realize I have not. I'll put it on my list. I did...
by heartwood
Sat Feb 10, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 18
Views: 2318

Re: Wellington Fund: where is the special sauce?

TwstdSista wrote:
Sat Feb 10, 2018 6:47 am
0.70% ER?? No thank you.
Investor shares are listed as 0.25% ER.

Admiral shares are 0.16%
https://personal.vanguard.com/us/funds/ ... irect=true
by heartwood
Mon Feb 05, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 85
Views: 24186

Re: WSJ Digital Subscription - a bargain!

As of Feb 5, Presidents' Day special at WSJ. All access digital edition $1 for 2 months. https://store.wsj.com/v2/shop/wsjuspresday18v1?inttrackingCode=aaqq1f5y&icid=WSJ_ON_NA_ACQ_NA&n2IKsaD9=n2IKsaD9&Pg9aWOPT=Pg9aWOPT&Cp5dKJWb=Cp5dKJWb&APCc9OU1=APCc9OU1&cx_adcreative=00000001643b2f6d&cx_ad=00000001...
by heartwood
Sat Feb 03, 2018 12:32 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5511

Re: Fewer acronyms please

I wonder if someone could create a capability in forum-software to hover over an acronym to display possible meanings from some sort of dictionary. Maybe the spell-check dictionary has some of these. I guess the dictionary should be capable of learning new acronyms. There was an extension for chrom...
by heartwood
Fri Feb 02, 2018 1:17 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5511

Re: Fewer acronyms please

... IMHO (do you have a dishonest opinion? Isn't your post an opinion?) ... I've always used IMO. The implied use of humble is a little snarky to me. To the OP, yes, I have the same reaction to obscure acronyms but can usually live with them. However the use of only ticker symbols is more irksome t...
by heartwood
Thu Feb 01, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Muncipal Bond funds
Replies: 6
Views: 1089

Re: Muncipal Bond funds

I would like to invest in a municipal bond fund, can anyone recommend one? I'd like one that I could invest in for 10k to start. I am interested in the tax free advantages of a fund like this. I am looking at Fidelity's fund FTABX, it's returns have been 6.44 % over the past year. Once you buy into...
by heartwood
Fri Jan 26, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2854
Views: 894734

Re: What Book Are You Currently Reading? Part VI

Just finished "The Force" by Don Winslow. Gripping page turner. Outstanding story of an elite New York City police detective and his partners. Police and political corruption intertwined in a magnificent plot. Highly recommended. Enjoy, Dave Any thing by Winslow is excellent. Often times depressing...
by heartwood
Thu Jan 25, 2018 10:25 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 75
Views: 11737

Re: Muni Money Market funds starting to look good!

What do people think about VWIUX? We are in a high tax bracket, so the tax-exempt payout is nice. I had to look it up for you: Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares You don't provide enough details of your use for the funds to comment beyond generalities. It's not a MM fund, so ...
by heartwood
Thu Jan 25, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Updating Wills and Trust
Replies: 4
Views: 444

Re: Updating Wills and Trust

Our estate plans are 11 years old. The attorney that prepared them sends courtesy annual updates on when we might need to make changes based on federal and state changes and contact information if we want to meet. Beyond that he recommends a 10 year review; we're a year late on that marker. I'd pay ...
by heartwood
Thu Jan 25, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 2479

Re: Bank signup bonus 1099

cashmoney wrote:
Thu Jan 25, 2018 6:44 pm



If you create an account on the IRS website you can view all the 1099s that were reported to the IRS as well as other information.I always check this because mistakes are made .For 2016 tax year I caught a mistake where the same 1099 was sent twice.
IRS website or EFTPS website?
by heartwood
Thu Jan 25, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 75
Views: 11737

Re: Muni Money Market funds starting to look good!

So the thread about the Prime Money Market fund made me take a quick look at the rates on some of the Municipal Money market funds and they are looking really good (for people in high tax brackets)! As of right now here are yields : Vanguard Municipal Money Market Fund (VMSXX) - 1.20% Vanguard New ...
by heartwood
Tue Jan 23, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2854
Views: 894734

Re: What Book Are You Currently Reading? Part VI

I started My Absolute Darling by Gabriel Tallent. I chose it as "best seller." Here are the blurbs on Amazon: INSTANT NEW YORK TIMES BESTSELLER NBCC JOHN LEONARD PRIZE FINALIST ONE OF THE NEW YORK TIMES'S MOST NOTABLE BOOKS OF 2017 ONE OF THE WASHINGTON POST’S MOST NOTABLE BOOKS OF 2017 ONE OF NPR’S...
by heartwood
Sun Jan 21, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2737

Re: what is the best mouse poison?

Never a glue trap again. Caught a small squirrel with one in my attic. All glued up. Then what? I use this: https://www.amazon.com/Rat-Zapper-Classic-Trap-Disposal/dp/B002665ZTC/ref=sr_1_1_sspa?s=lawn-garden&ie=UTF8&qid=1516568883&sr=1-1-spons&keywords=rat+zapper&psc=1 A little peanut butter or a fe...
by heartwood
Fri Jan 19, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3007

Re: Telemarketing calls from my own prefix

I get the same types of calls described above, neighbor calls. I was using Mr. Number but that stopped working. I switched to HiYa, actually by the same company as Mr. Number. Seems OK so far. But I've got a wrinkle. I switched to Project Fi in November. say my number is 212-555-1212. At least a few...
by heartwood
Mon Jan 15, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 19044

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

I’ve about had it with Amazon. My latest frustration involves a typical order placed Jan 6. Amazon shows today the order has not even been shipped yet (Jan 15 today) and an estimated delivery date of Jan 26. This is not unusual of late. We're Prime. I placed an order 12/29 for 3 items, all from Ama...
by heartwood
Mon Jan 15, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 3799

Re: E-reader for ebooks - Pros and Cons

I see the majority of posters to this thread prefer/recommend the PaperWhite. On 1/15/18 its $119.99. The similar sized Kindle is $79.99. https://www.amazon.com/Amazon-Kindle-eReader-6-Inch-Touchscreen/dp/B00ZV9PXP2/ref=pd_ybh_a_1?_encoding=UTF8&psc=1&refRID=WJSDZ67ST9YH3GNVKCTG The middle of that p...
by heartwood
Sun Jan 14, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1466

Re: Anyone Gone All the Way with LastPass?

Pretty much all in except for Vanguard. Without looking it up, I recall that Vanguard's fraud immunization policy has language that says you might have to demonstrate that you haven't saved your logon details anywhere online? Just did take a quick look and can't find it. Anyone? edit: OK, here: http...
by heartwood
Sat Jan 13, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2854
Views: 894734

Re: What Book Are You Currently Reading? Part VI

Robert Crais's "The Wanted". It's an Elvis Cole, Joe Pike novel, with many comments on Cole's cat. Among the best story I've read recently. I posted a few days ago that I started Provenance by Ann Leckie. I slogged through 70+ percent of it and gave up for now. That far in and I'm not sure what the ...
by heartwood
Fri Jan 12, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: First time Medicare question
Replies: 18
Views: 994

Re: First time Medicare question

The $183 is conspicuously the same as the Part B deductible. If you have Plan F, the gap insurance may cover it. If you have G it is probably on you. +1 https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html I'm intrigued by the discussion. My doctor only accepts medica...
by heartwood
Tue Jan 09, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4154

Re: Men's no iron dress shirt recommendations

Brooks Brothers, but be aware that shirts from the store are a better quality than some of those online and certainly those at BB outlets. Sizing is different as well, especially regarding sleeve lengths. I've had good results from Costco but their color selection has been horrible for the last coup...
by heartwood
Mon Jan 08, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2854
Views: 894734

Re: What Book Are You Currently Reading? Part VI

I finished The Safe Man by Michael Connelly. Its a short story he wrote several years ago. I wouldn't recognize the writing from the Bosch books. A quick read. My ebook showed I was half way when it ended. The rest of the file was a teaser for one of the older Bosch books. Worth an hour of your time...
by heartwood
Sat Jan 06, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard: No more buy/sell transactions in writing?
Replies: 31
Views: 2604

Re: Vanguard: No more buy/sell transactions in writing?

All financial institutions are moving toward all-electronic processes. For example, my credit union now actively discourages depositing checks by mail. Instead they want customers to use their smartphone app to photograph the check and deposit it electronically. Vanguard is no different. They're gr...
by heartwood
Fri Jan 05, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard: No more buy/sell transactions in writing?
Replies: 31
Views: 2604

Re: Vanguard: No more buy/sell transactions in writing?

This can't possibly mean what it seems to say. If so, how would one mail in a check. Without a letter of instruction or investment form, how would Vanguard know what to do with the check? Seems crazy!!!! plannerman I have the same question. I asked my rep a few weeks ago for some transaction slips....
by heartwood
Thu Jan 04, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 3799

Re: E-reader for ebooks - Pros and Cons

If library ebooks are important to you I'll second the recommendation to check your local library format now, and ask if they have plans to change. One of my libraries dropped Overdrive about a year ago and now uses Cloud Library. Overdrive supports Kindle format; Cloud Library does not. I proteste...
by heartwood
Thu Jan 04, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: "VB Account Agreement"--Checkwriting? No written orders? What IS this really about?
Replies: 16
Views: 1441

Re: "VB Account Agreement"--is checkwriting on death row? What IS this really about?

My LLC has a brokerage account at Vanguard. All funding of that account comes from 3rd party paper checks. It has Vanguard Advantage Checking for billpay drawing on the settlement account. In fact the settlement account is the only thing in the brokerage. I used to mobile check deposit to the FMM, b...
by heartwood
Wed Jan 03, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 3799

Re: E-reader for ebooks - Pros and Cons

4) The majority of things that I read on my Kindle are downloaded from my library and they have a LOT of downloadable books. Before you buy a new device be sure to check your local library to see what formats you can download books in. If library ebooks are important to you I'll second the recommen...
by heartwood
Tue Jan 02, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 2199

Re: use a personal hotspot on a plane?

OP here, thanks for all the replies.

I learned today that United uses more than one wifi system in its fleet. My flight wifi today was powered by Panasonic not Gogo so I was unable to use my voucher. The pricing was $27.99 for the duration of a long flight. I did not purchase.
by heartwood
Mon Jan 01, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2048

Re: Recommend me a good laser printer for a chromebook!

I find it easier to print from a tablet or smartphone than a Chromebook. I used to email from Chromebook to phone to print. Can you use an android phone? I just tried to print from gmail on my pixel 2. It tells me the printer is not available; similar to the chromebook which says the printer is off...
by heartwood
Mon Jan 01, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2048

Re: Recommend me a good laser printer for a chromebook!

No, Chromebooks do not provide for USB printing by default. I have two printers I use with my chromebook. A year-old Canon wireless that works sporadically with Google Cloud Print. Follow the directions to set up and it worked. Then awhile later I had to go through setup again. The 2nd printer is a...
by heartwood
Sun Dec 31, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 2199

Re: use a personal hotspot on a plane?

ASpenderInRecovery, It is for wifi access on a commercially enabled flight. Here's the instructions I received: "This works for Gogo enabled flights and is good for one use until March 31, 2018. We sent you an email with your code too.Terms and conditions apply" My airline, United, is listed as a Go...
by heartwood
Sun Dec 31, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 2199

use a personal hotspot on a plane?

I have a pixel 2 xl with service through Project Fi. Fi had a holiday game for subscribers that awarded free inflight wifi on one flight before end of March, for one device. The flight I'm on has qualifying service. Can I activate on my cell and use it as a hotspot for my other devices? Anyone have ...
by heartwood
Sun Dec 31, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: 2018 RMD - appropriate action or investment
Replies: 2
Views: 219

2018 RMD - appropriate action or investment

There's conflicting advice on investment of monies you'll use in less than a year or several years, v. letting your RMD amount remain invested until year's end. I just looked at my IRA balance as of December 31 and find that my RMD will be 16% larger in 2018 than it was in 2017. It's a set number I ...
by heartwood
Sun Dec 31, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard "Balances and Holdings" Page Does Not Sync Bank/America
Replies: 5
Views: 465

Re: Vanguard "Balances and Holdings" Page Does Not Sync Bank/America

My BOA checking syncs fine with the Vanguard balances & holdings page, and has for a long time. I've had to use the 'refresh' link under the Bank of America title only once that I remember. It just works for me.
by heartwood
Sat Dec 30, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2440

Re: Checked bag to HI, worth cost and trouble?

We can fit all the stuff we need into free carry ons (United and Hawaiian). For $75 (all flights), I can check a large suitcase. Is stuff so expensive on the Big Island that I should pay for the checked bag and load it with sunscreen, snacks, etc? Is it worth the cost and trouble, or should I just ...
by heartwood
Fri Dec 29, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 32
Views: 4725

Re: Christmas Bonus: Etiquette

I didn't post to this thread previously because others had made similar sentiments before I got to it. I would have urged a hand written note. I sent some to my bosses over the years. I was fortunate in some of my bosses to get a few handwritten thank-you notes from them. Reading today's WSJ (12/29/...
by heartwood
Thu Dec 28, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 36
Views: 2852

Re: Smart Home: Google, Apple, or Amazon?

The Google Home ($80) and Home Mini ($30) are on sale right now. They are advertised as a smarter Alexa. Anyone have any experience with them? I am particularly interested in their integration with Google Play Music. I found Alexa didn't understand me that well or follow commands and I couldn't get...
by heartwood
Thu Dec 28, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 75
Views: 11737

Re: Muni Money Market funds starting to look good!

Take this as anecdotal since I'm have not been a subscriber for many years, but I seem to recall Dan Wiener mentioning that municipal yields tend to rise a lot in December only to fall back in January. He probably had some technical explanation for it that I don't recall, perhaps some artifact of ac...
by heartwood
Mon Dec 25, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 6294

Re: How do Bogleheads save on eyeglasses?

before you order from zenni, try googling "zenni coupon" several come up from Groupon and also coupons.com

One is a cyber Monday sale, expiring 12/29, with 20% off. Might be limited.
by heartwood
Mon Dec 25, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Questions 2017 (Not all the crazy new stuff)
Replies: 16
Views: 1429

Re: Tax Questions 2017 (Not all the crazy new stuff)

LTC insurance premiums count as well.

Here's the complete list from Topic 502 https://www.irs.gov/taxtopics/tc502
by heartwood
Sun Dec 24, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: Implications of tax bill on residential real estate (house prices)
Replies: 62
Views: 5810

Re: Implications of tax bill on residential real estate (house prices)

Good summary by Forbes relying on National Assoc of Realtors analysis. https://www.forbes.com/sites/kellyphillipserb/2017/12/01/realtors-predict-tax-bill-will-cause-housing-prices-to-drop-in-every-state/#1c6f993e30fb Worst expected drops in NJ, depending upon market segment. Also mentions a change t...
by heartwood
Sun Dec 24, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Bounty or Kirkland brand
Replies: 25
Views: 2237

Re: Bounty or Kirkland brand

Neither for me. I like the original Viva towels. We happily used Viva for years until we got a cleaning woman who pointed out that they left paper dust and lint especially when doing windows. She said she used only Bounty because the lint/dust required more work and more towels. We switched to Boun...