Search found 1023 matches

by heartwood
Wed Sep 20, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paying premiums for life insurance policy in Irrevocable Trust
Replies: 8
Views: 374

Re: Paying premiums for life insurance policy in Irrevocable Trust

I hold the power of attorney for my mother and I recently transferred he whole life insurance policy into her irrevocable trust. The payments were previously being automatically withdrawn from her personal checking account. Is there any issue with leaving this setup and continuing to pay the premiu...
by heartwood
Mon Sep 18, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4636

Re: USPS lost very important certified mail - What next?

The OP says he/she used certified mail. "Certified Mail is a special USPS service that provides proof of mailing via a receipt to the sender." All you get is a receipt when delivered and signed for. For tracking I use Registered Mail: "The USPS® offers a service called Registered Mail™ that provides...
by heartwood
Mon Sep 18, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4636

Re: USPS lost very important certified mail - What next?

Based on my own experiences with trying to resolve something with USPS, or even contact someone at USPS, I'd pay the bank fee, stop payment and reissue the check. I was unable to find a way to escalate a delivery problem myself. Local postmaster unresponsive, two different Washington groups for Cust...
by heartwood
Thu Sep 14, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 752

Re: [ShopRunner] from AMEX

We've had it through AMEX, free, for years. Stuff actually arrives in 2 days or so via FedEx. It also includes free returns via UPS. Great service. Plus after we signed up via our AMEX card it seems that you can then use any card, e.g., Fido Visa, and it still works. We recently ordered something fr...
by heartwood
Wed Sep 13, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 3363

US removing Kaspersky Antivirus from government computers

Anyone using Kaspersky? Might want to change. Looks like Best Buy dropped them last wek.

https://www.nytimes.com/2017/09/13/us/p ... nment.html
by heartwood
Wed Sep 13, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Someone set up PayPal account using my email...
Replies: 35
Views: 2563

Re: Someone set up PayPal account using my email...

I've had several similar experiences with an account firstnamexxx@isp.com. Think james007@aol.com. Mostly out of US setups of phone service in Scandanavia, twitter and facebook in Africa or Asia, but also paypal, other US phone companies, etc. As you note none of the companies will do anything about...
by heartwood
Wed Sep 13, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 8878

Re: Hearing aid 101

The 8/26/17 WSJ had an editorial https://www.wsj.com/articles/hearing-aid-breakthrough-1503701509 that reported, in part, "President Trump recently signed a Food and Drug Administration funding bill that includes a directive for the agency to develop standards for over-the-counter hearing aids. Thes...
by heartwood
Mon Sep 11, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Rental Car, best options
Replies: 22
Views: 2731

Re: Rental Car, best options

...saying that while I would be covered, I would be liable to pay for the car's time out of service during repairs. I've never dealt with this myself, thankfully. It's called "loss of use", and I have heard of rental car companies trying to get reimbursed for it. I imagine that the effective way to...
by heartwood
Sat Sep 09, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Costco executive members now earn 2% on travel
Replies: 7
Views: 1094

Re: Costco executive members now earn 2% on travel

What about car rental? Follow the link in the OP above, It says it applies to car rental but exclusive of fees, taxes, rental car equipment, etc. I'm currently renting a car booked on Costco Travel. I expect it applies. I booked with them because they had the lowest price, and free extra driver. Th...
by heartwood
Sat Sep 09, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Costco executive members now earn 2% on travel
Replies: 7
Views: 1094

Re: Costco executive members now earn 2% on travel

Costco Visa cardholders earn 3% on travel charges. The 2% executive rebate on travel is an "and" independent of any CC rewards. You can use whichever card you want to pay for the travel: costco visa, chase sapphire reserve (also 3%) or other. The 2% is additional as an annual reward if you're an ex...
by heartwood
Fri Sep 08, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Howard Marks on Passive Investing
Replies: 16
Views: 2860

Re: Howard Marks on Passive Investing

I read it yesterday. He's always got an interesting and well thought out perspective on financial topics, generally from the 70,000 foot level, exploring how he understands how things work. The latest memo is a further exposition of ideas in his prior memo which apparently received some comment and ...
by heartwood
Thu Sep 07, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Costco executive members now earn 2% on travel
Replies: 7
Views: 1094

Re: Costco executive members now earn 2% on travel

Costco Visa cardholders earn 3% on travel charges. The 2% executive rebate on travel is an "and" independent of any CC rewards. You can use whichever card you want to pay for the travel: costco visa, chase sapphire reserve (also 3%) or other. The 2% is additional as an annual reward if you're an ex...
by heartwood
Thu Sep 07, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Costco executive members now earn 2% on travel
Replies: 7
Views: 1094

Costco executive members now earn 2% on travel

I see that as of Sept 1 Costco Travel purchases earn 2% for Executive Members. Not necessarily a game changer but still a nice perq. We usually book our several (5 this year) month long rental cars through them because of no fee for the 2nd driver and pricing overall. This will add about $100 to our...
by heartwood
Tue Sep 05, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Is it wise to direct deposit Social Sec to Vanguard?
Replies: 17
Views: 1948

Re: Is it wise to direct deposit Social Sec to Vanguard?

We use the Vanguard Advantage account as our main checking account, with a smaller account with BOA for local ATM, etc. Before retirement my paycheck was direct deposited to Vanguard. Now, both our SS checks go to a joint Vanguard account as does my pension, all by direct deposit. All works flawless...
by heartwood
Mon Sep 04, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Need to Shred Old Checks? Old Credit Cards?
Replies: 18
Views: 1743

Re: Need to Shred Old Checks? Old Credit Cards?

I generally shred everything. For two Chase CC we recently cancelled I asked them to send return mailers for the metal cards (Sapphire Reserve and a United Club Visa). Neither one is shredable in a home shredder or by my efforts with metal shears. Mailer arrived 2 days later.
by heartwood
Fri Sep 01, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 2950

Re: Driving a car Italy, any suggestion?

It was 3 or more years ago but we had a problem returning a car to Leonardo da Vinci–Fiumicino Airport. There were no, zero, signs that indicated rental car returns. We drove through the airport several times before stopping and asking. In the end it was an upper floor of an undesignated building in...
by heartwood
Wed Aug 30, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5049

Re: Coyote Defense

One thing is to have a neighborhood meeting and try to get people to stop putting food out for stray cats, squirrels, rats, dogs, trash pandas, mini-bears, etc. I lead a sheltered life! Never heard of trash pandas (http://www.businessinsider.com/trash-panda-raccoon-meme-2016-9/#a-lot-of-submitted-p...
by heartwood
Wed Aug 30, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMD
Replies: 9
Views: 781

Re: Preparing for RMD

My wife will need to take an RMD 2017. About half of her Vanguard IRA is in Target Retirement Date funds. She is reinvesting Distributions. Should she start directing her dividend distributions to a Money Market Account within her IRA and take the RMD payout from that account? With 4 months left in...
by heartwood
Mon Aug 28, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: smart light timer possibly using Google Home
Replies: 7
Views: 470

smart light timer possibly using Google Home

I've got two in-wall timer switches for outside lights that adjust to changing sunset/sunrise times throughout the year with reference to my general latitude and daylight savings time. I've set them to come on at sunset and off a few hours later. I'd like to get something similar that plugs into the...
by heartwood
Sun Aug 27, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 89
Views: 9573

Re: Best place to get eyeglasses / no vision insurance

Costco question.....I have frames that I've never used and a prescription from my ophthalmologist, would they accept those? Our experience is that it depends. Depends on the frames, depends on the lenses, and depends on the Costco location. Most times they have used our frames without a problem wit...
by heartwood
Sun Aug 27, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: Can't reinvest Municipal MMF dividends?
Replies: 10
Views: 1337

Re: Can't reinvest Municipal MMF dividends?

I'm in an upgraded brokerage account. I added Municipal MMF a few months ago as a new holding. My dividends reinvest automatically. Give them a call.
by heartwood
Wed Aug 16, 2017 4:26 am
Forum: Personal Consumer Issues
Topic: Why/how can Android web browsers stall the whole OS?
Replies: 8
Views: 863

Re: Why/how can Android web browsers stall the whole OS?

I had similar freeze up problems with a Nexus 9 tablet running whatever the current Chrome OS is. It happened randomly, actually usually not browser related but using other apps. I did many searches on "nexus 9 freezes" and similar. I finally did a factory reboot and all's been fine for a month or s...
by heartwood
Wed Aug 16, 2017 4:17 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7329

Re: Postal Service -- "informed delivery"

I just signed up and see ... 4 pieces of junk mail. Did you literally just sign up and immediately see today's mail? The website shows me for today and the past few days "There are no reported deliveries for this day." even though I know I picked up some letters from the box yesterday. My assumptio...
by heartwood
Tue Aug 15, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7329

Re: Postal Service -- "informed delivery"

runner3081 wrote:
Tue Aug 15, 2017 3:24 pm
It is so great to have scans of the ads that come to the mailbox everyday :)

We don't get many items in the mail that are not packages.
Thanks for the information,

I just signed up and see ...

4 pieces of junk mail.
by heartwood
Fri Aug 11, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4460

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Where you go for required minimum distributions will usually have a bigger impact than when you go. . . . http://news.morningstar.com/articlenet/article.aspx?id=821071 Thanks. My own strategy, at least this year, is a result of how we fund our lifestyle, some though SS and pension, but most from in...
by heartwood
Thu Aug 10, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds and Taxes.
Replies: 24
Views: 1627

Re: Muni Bonds and Taxes.

As I recall, a cap loss on muni bond funds held less than 6 months is non-deductible so be careful if you TLH. Actually, the Bogleheads looked into this and we ultimately came to the conclusion that is not so! Truly one of the highlights of the forum. If your municipal bond fund is accruing interes...
by heartwood
Thu Aug 10, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds and Taxes.
Replies: 24
Views: 1627

Re: Muni Bonds and Taxes.

As I recall, a cap loss on muni bond funds held less than 6 months is non-deductible so be careful if you TLH. Actually, the Bogleheads looked into this and we ultimately came to the conclusion that is not so! Truly one of the highlights of the forum. If your municipal bond fund is accruing interes...
by heartwood
Wed Aug 09, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 1999

Re: LastPass not working for me on Firefox

No offense, but have you signed into LastPass? I just opened my firefox and it shows the lastpass extension on the toolbar upper right, but it was not active (dull icon). I clicked on it, the logon popup came up. I logged on and proceeded as usual. Then the icon is bright. Edit: I reread your post a...
by heartwood
Tue Aug 08, 2017 5:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is the Munchkin MAN still alive?
Replies: 16
Views: 5077

Re: Is the Munchkin MAN still alive?

tuffy7222 wrote:Come on ....need some links!!!
One of the moderators must know how to link old threads
from Morning star forum (called Vanguard diehard ??? )
or the current Morningstar forum called Vanguard
Not a moderator ...

search.php?author_id=1479&sr=posts
by heartwood
Tue Aug 08, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is my current LTC policy relatively good?
Replies: 19
Views: 1185

Re: Is my current LTC policy relatively good?

Hello all, For those of you with experience comparing Long Term Care policies, I was wondering if you could assess how mine stacks up with what I might be able to obtain elsewhere or if in fact I have near as good a deal as I can given the particulars below: Current Age: 57 Gender: Male Residence: ...
by heartwood
Mon Aug 07, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819469

Re: What Book Are You Currently Reading? Part VI

I finished Jo Nesbo's The Thirst. I've read all of his Harry Hole series. This was quite good, with several misdirections, but also some very contrived situations to move the plot forward. As an aside I wonder if he starts writing knowing how it ends or starts writing and lets it go where it will. I...
by heartwood
Mon Aug 07, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 35
Views: 56578

Re: What to do if someone is using your home address?

Then we moved, unfortunately to a brand new community, with street names that also existed in a nearby town with the same zipcode. Despite having a new Zip + 4, we were not in the USPS national street address system that feeds all mail routing and all other delivery services. Not in that system? Ma...
by heartwood
Mon Aug 07, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 66
Views: 14838

Re: How long does TreasuryDirect take to convert paper I bonds?

I'm about to send off my Dad's bonds for redemption. He recently passed away and we're going to get them converted. Can I ask how you were able to check status online? I see many people saying they can see pending, process, etc. I don't see a way to track these once they've left my house.. It feels...
by heartwood
Mon Aug 07, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 55
Views: 5662

Re: How long do you keep your kitchen sponge?

Some professional opinion via the NYT https://www.nytimes.com/2017/08/04/science/sponges-bacteria-microwaving-cleaning.html?em_pos=medium&emc=edit_sl_20170804&nl=&nl_art=5&nlid=76382803&ref=headline&te=1 Summary: microwaving may not be a good idea, try a hot setting in a washing machine with deterge...
by heartwood
Sat Aug 05, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: knee replacement and air travel screening
Replies: 11
Views: 1238

knee replacement and air travel screening

We have Global Entry and have always received TSA pre-check clearance when we travel. Our next trip is the first since knee replacement surgery. How does it work with a new knee? We've heard anecdotes but would love to hear actual experiences so we know what to expect. Are we back in the non-pre-che...
by heartwood
Sat Aug 05, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: belts for dress pants
Replies: 37
Views: 2417

Re: belts for dress pants

Check out gilt.com for some high quality belts. And no, you always buy a size or 2 up on your belt. So say 32 waist, you shoot for 34. I guess my mileage varies. I've always bought the same belt size as my trouser waist size. The one I'm wearing right now has 5 punch holes and is comfortably set in...
by heartwood
Fri Aug 04, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1328

Re: Garage ceiling bike storage

Andyrunner wrote:I have 2 of these:
http://www.homedepot.com/p/Everbilt-Vin ... /202305571
Not sure it was a brand name but mine look just like those.

edit: I've got an open ceiling as well so these go right into a rafter that runs down the middle of a 2 car garage.
by heartwood
Thu Aug 03, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 2821

Re: Buy EZ Pass transponder for road trip?

DW & I are planning a road trip for the fall through several states--primarily in the NE US. We will be taking one of our vehicles but not sure yet which one. Some preliminary trip-planning indicates that we probably will be traveling toll roads in several states. We have little experience driving ...
by heartwood
Thu Aug 03, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819469

Re: What Book Are You Currently Reading? Part VI

This morning I finished reading Berlin Red: an Inspector Pekkala Novel of Suspense by Paul Watkins writing as Sam Eastland April, 1945. East of Berlin, the Red Army stands poised to unleash its final assault upon the ruined capital of Hitler's Thousand Year Reich. To the north, at a lonely outpost ...
by heartwood
Mon Jul 31, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card options??
Replies: 18
Views: 2023

Re: Best credit card options??

We travel 1-2 times per year. Reward miles are nice, but mainly looking for the best cash back with lowest annual fee. I really liked the idea of signing up for Penfed Visa for gas and using Fidelity Visa for everything else. Just tried to sign up for Penfed Visa; looks like the 5% cash back for ga...
by heartwood
Mon Jul 31, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3867

Re: Non Stick frying pan

T-fal. We have several pans and pots. They come in both steel and in aluminum, and in several quality grades. We prefer the steel for when we use an induction countertop unit. I use mine almost daily for eggs. No problems with the coating after several years.
by heartwood
Sun Jul 30, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Questions about prescribed sunglasses
Replies: 14
Views: 1137

Re: Questions about prescribed sunglasses

I got a pair of prescription sunglasses from Warby Parker and would do so again. Sunglasses are priced higher than their clear glass prescriptions. As far as other brands are concerned we especially like Maui Jim for the quality and color of their lenses. We've have several we bought at Costco for a...
by heartwood
Sun Jul 30, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Buying Shoes
Replies: 12
Views: 1254

Re: Buying Shoes

Shoe companies can certainly change ownership, shoe design, and manufacturing facilities. For instance, New Balance bought Dunham. Rockport was sold to Reebok which was bought by Adidas. Adidas sold Rockport to New Balance. Now the Dunham brand is in the Rockport Group of New Balance. Shoe companie...
by heartwood
Fri Jul 28, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 6569

Re: Free Reading

1. The public library. My library uses Overdrive. You get the app and log into the library through it, then download any checked out books. The book will expire and become unavailable at the end of the checkout period. I use the longest available, usually 21 days, as there isn't any way to renew a ...
by heartwood
Thu Jul 27, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 89
Views: 9573

Re: Best place to get eyeglasses / no vision insurance

Medical insurance will typically not cover simple vision exams. But if you go to the ophthalmologist and tell them your eyes feel a little dry sometimes, then that would be covered as a medical visit and you can get a glasses prescription at the same time. You can get it at the same time, but regul...
by heartwood
Thu Jul 27, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: A new memo from Oaktree's Howard Marks
Replies: 9
Views: 2133

Re: A new memo from Oaktree's Howard Marks

Note the original thread is a year and a half old, I've just read and enjoyed Howard Marks' latest (July 26 2017) memo. "There they go again...again" https://www.oaktreecapital.com/insights/howard-marks-memos He talks about so many things: bubbles, VIX, bitcoin, superstocks (e.g. FAANGs), and so muc...
by heartwood
Thu Jul 27, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast
Replies: 26
Views: 2703

Re: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast

heartwood wrote:
buckeye7983 wrote:If you were unable to access podcast earlier, you should be able to now. Great stuff!
I follow your link to NPR but see no Bogle/Fama podcast. I searched as well. Also tried Google play Music podcasts to no avail.
OK, here: http://freakonomics.com/podcast/stupidest-money/
by heartwood
Thu Jul 27, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast
Replies: 26
Views: 2703

Re: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast

buckeye7983 wrote:If you were unable to access podcast earlier, you should be able to now. Great stuff!
I follow your link to NPR but see no Bogle/Fama podcast. I searched as well. Also tried Google play Music podcasts to no avail.
by heartwood
Tue Jul 25, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819469

Re: What Book Are You Currently Reading? Part VI

The Whistler by John Grisham I consider this one of his bests, a great story that keeps your attention throughout. I enjoyed The Whistler and the look inside Indian casino gamling in Florida. My contemporaneous notes say "Was mildly interesting at first, then got very absorbing with all the complic...
by heartwood
Sat Jul 22, 2017 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard AUM can't manage part of friend's portfolio. Understandable but ...help?
Replies: 13
Views: 1477

Re: Vanguard AUM can't manage part of friend's portfolio. Understandable but ...help?

Also, vecaise the partnership is the type which has an EIN, it doesn't even show up on his page with his other assets and has a whole different password,etc. He has to manually enter the partnership assets as " outside investments" on hthr Vanguard page which shows the rest of his assets - in order...