Search found 1180 matches

by heartwood
Sun Jun 17, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: suggestions on which state to hire a mover: start or end?
Replies: 3
Views: 467

suggestions on which state to hire a mover: start or end?

We're doing an interstate move in a few months time. Does it make a difference whether you hire a mover from the state you're leaving or from the state you're moving to? We're leaving a downtown city apartment to move to a suburban townhouse. Perhaps its better to have a mover familiar with a city p...
by heartwood
Sat Jun 16, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited jewelry & diamonds--how to value & how to sell?
Replies: 5
Views: 1160

Re: Inherited jewelry & diamonds--how to value & how to sell?

It sounds like you have many pieces. I would recommend a jeweler, in fact a few and compare offers. A few years ago I sold many coins. Most worth only the silver content. I would recommend you only have one piece at a time on the velvet pad or agree on a count, and don't let things out of your sight...
by heartwood
Mon Jun 11, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: safe alternative to Google Desktop Search? Or best day to day filing app.
Replies: 1
Views: 200

safe alternative to Google Desktop Search? Or best day to day filing app.

I think I'm pretty organized. I use several storage products (OneDrive, Drive, Keep, Pocket and some others). I especially like how easy it is to find something given the search abilities of each. But what if you haven't stored or filed an item? I used Google Desktop search in the past. It could fin...
by heartwood
Mon Jun 11, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Can we discuss whisk?
Replies: 29
Views: 2881

Re: Can we discuss whisks?

I have this Rosle balloon whisk and recommend it. It is amazingly more effective than the old one it replaced. Pricey, but worth it to me. I also have a couple of flat whisks. They're very effective at getting in the corners of saucepans when there isn't a lot of liquid volume. One is like this Ros...
by heartwood
Fri Jun 08, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: To remove coffee tea stain from mug, use QxyClean
Replies: 9
Views: 974

Re: To remove coffee tea stain from mug, use QxyClean

Thanks dratkinson. After your post I tried Oxi Clean multi surface formula overnight on a glass wine carafe with a red tinge from many years of use. We'd tried a bottle brush and Dawn, and then bleach in water. Online they recommend ice cubes in water and swirling. All were an improvement but still ...
by heartwood
Wed Jun 06, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75028

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

Killing Eve on BBC America. Stars Sandra Oh from Gray's Anatomy as a Brit spy. It is based on the Villanelle novels by Luke Jennings. Villanelle (pun?) is played by Jodie Comer. Season 1 just ended. Season 2 has been ordered. Lots of violence, bad language, and surprises. I'm sticking it out with Se...
by heartwood
Sun Jun 03, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Men's Health on Medicare
Replies: 19
Views: 1821

Re: Men's Health on Medicare

If the Wellness visits do not cover blood work, BP, and PSA what do they cover? Although I can't find it now I thought I read in Medicare and You booklet that blood work was covered every five years. How does that work for people with high cholesterol and known heart disease? Again, it must be in t...
by heartwood
Sun Jun 03, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2456

Re: Enterprise vs Avis

We make regular use (1-2X/month) of car rentals, and are in a rural area. It is a 20-minute drive to the airport, a bit less to Enterprise. The tipping factor is that Enterprise will pick my wife up and bring her home saving me the drive. If a search on Costco yields a much lower price at the airpo...
by heartwood
Sun Jun 03, 2018 5:44 am
Forum: Personal Consumer Issues
Topic: Men's Health on Medicare
Replies: 19
Views: 1821

Re: Men's Health on Medicare

I go to a urologist once a year. He does both tests. My PCP does PSA as part of my annual lab work and exam. I then go to a urologist once a year who reviews the PSA result and the general labs and does a DRE and other items such as checking for hernia. Both doctors participate with Medicare which ...
by heartwood
Fri Jun 01, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3064
Views: 945200

Re: What Book Are You Currently Reading? Part VI

I Heard a Romantic Story by Lee Child. It's a short story, actually described by the editor as "One paragraph, one story, one voice by Lee Child. Enough said." Luckily I borrowed it as an ebook from the library. No Jack Reacher, $1.99 if you pay for it, seven and a half pages (one paragraph) of a st...
by heartwood
Wed May 30, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2456

Re: Enterprise vs Avis

How does Avis stay in business or am I missing something? Looking to do a 2 week car rental and as an example: Enterprise is $650 and Avis is $1650. Both are of equal selections AFAIK. On that note, which car rental company do you prefer? I've used Enterprise a few times, overall pretty good minus ...
by heartwood
Sun May 27, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 44
Views: 2540

Re: Considering iPad to replace failing Nexus tablet

I too have a nexus 9 and have similar issues with freezing, etc. However before switching from android, consider this Samsung tablet at Costco. https://www.costco.com/Samsung-Galaxy-Tab-A-Wi-Fi-Tablet---Octa-Core---Android-Marshmallow---Black---Includes-32GB-MicroSD-Card.product.100303758.html?langI...
by heartwood
Wed May 23, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 43
Views: 4686

Re: $500 Windows Laptop

Thoughts on this? https://m.costco.com/.product.100321190.html?EMID=B2C_2018_0523_MVM First, you realize this is a Chromebook not a Windows laptop as noted in the thread title? It will not run Windows or Windows programs except the in-the-cloud versions of Excel, Word, etc. I still use those, but a...
by heartwood
Wed May 23, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: anyway to get running transaction balance at Vanguard?
Replies: 2
Views: 438

anyway to get running transaction balance at Vanguard?

Short question: Anyway to view running transactional balances on a Vanguard fun? The Longer version, if interested: Yesterday, maybe 5 AM, I signed onto my Vanguard summary page. At the bottom it showed a couple of transactions that had posted across several accounts. I next checked the account summ...
by heartwood
Wed May 23, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1841

Re: Babymoon - Hawaii Recommendations/Expected Costs

I have only been to Hawaii once, and then only to Kauai, which I loved. It was exactly what I wanted, very relaxing and laid back. Flew nonstop from LA to Lihue. But 3-4 nights would not have been enough. Unless I lived on the West Coast and could get a nonstop flight, I wouldn’t do it for such a s...
by heartwood
Wed May 16, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12334

how do you tip on wine at a restaurant

I guess this is another tipping thread. I've read most of them here, but wish to focus somewhat more on bottles of wine in restaurants. At any restaurant that has a wine list, but its all done by the waiter, I generally tip 10% of the wine list bottle price at most, offset by 20% on the food portion...
by heartwood
Wed May 09, 2018 4:39 am
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 1609

Re: Rental Cars:National, Budget, Alamo or Thrifty

We use Costco Travel and take whichever company is least expensive at the time. They book Avis, Budget, Alamo and Enterprise. For our locations they're all okay with a slight edge to Enterprise. Even on Costco the price can vary by several or many hundred dollars for a month's rental.
by heartwood
Tue May 08, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2460

Re: Recommendation For Shirts

My order of preference: Brooks Brothers from the store. One size arm lengths are available. Brooks Brothers from their outlets. The sizing is different as well as the quality. One size arm lengths are not available last time I bought. But lower cost than the store. Costco Kirkland brand at about $18...
by heartwood
Sun May 06, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10694

Re: What non fiction book will you be reading in 2018?

John McCain and Mark Salter: The Restless Wave: Good Times, Just Causes, Great Fights, and Other Appreciations

https://www.amazon.com/Restless-Wave-Ca ... tless+Wave
by heartwood
Wed May 02, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4260

Re: Ally asking CURRENT customer to provide SSN card?

I doubt I could find my card in 24 hours. I’ve gotten by on current passport and Driver License for a long time. You should look for it and get a replacement if you cannot find it. When my state implemented the enhanced ID for a drivers license one of the requirements for the first time you got it ...
by heartwood
Mon Apr 30, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Question [Gift Tax]
Replies: 30
Views: 1727

Re: Gift Question

I share the amusement about the concern so many have about the gift tax. I’m sure it stems from the days when the annual exclusion was $3,000 and the lifetime exemption was $60,000. Many more people were subject to the estate and gift tax. My father died in 1976 with an estate of about $150,000 lef...
by heartwood
Mon Apr 30, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Gift Question [Gift Tax]
Replies: 30
Views: 1727

Re: Gift Question

BTW even if you give more than 15k to an individual, you don’t pay gift tax. This amount over 15K reduces your estate amount which can be passed estate tax free to heirs. Current limit of estate is 11 million per person. For a couple this limit is 22 million. So most folks can give any amount to an...
by heartwood
Sat Apr 28, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11099

Re: Amazon to raise Prime membership in US to $119 from $99

I have Amazon Student Prime (see, continuing education is worth it!) and mainly what I do is take their $1 digital credit offer each time to not ship 2nd day. I get more than $49/year in credits from that alone. I checked Amazon and while there's a signup for Student Prime I can't find an explanati...
by heartwood
Sat Apr 28, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 1506

Re: Bee in the house - what to do???

Friday I was cutting the lawn and quite a few bees on the side of my house. When I was in the house later, I saw a bee in my closet. This is the closet that I keep my dress clothing. I shut the door thinking the bee will die by Monday morning when I need to go get my dress clothing. Will a bee die ...
by heartwood
Thu Apr 26, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5438

Re: [Vanguard account locked out due to deceased owner]

Perhaps I'm misreading some postings about joint billpay lists, but my wife and I just looked at our separate Vanguard logon accounts. Joint billpay lists are active at Vanguard. After individual logon, each presents the several accounts we each have access to. His or her personal accounts (taxable ...
by heartwood
Wed Apr 25, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5438

Re: [Vanguard account locked out due to deceased owner]

Isn't putting the will in the safe deposit box a known Catch 22? We keep ours in a safe deposit box. Two of our adult kids (one is the executor) are listed on the lock box signature card at the bank as having access. See my post a few or so above. My wife was a listed co-owner of the box, had her o...
by heartwood
Wed Apr 25, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5438

Re: [Vanguard account locked out due to deceased owner]

I have heard that financial institutions freeze access to safe deposit boxes when the owner dies. I discussed this with my credit union as my brother and I are co-owners, we both have keys, and I want him to have access. They assured me he would. Maybe he will have to pony up papers anyway, no idea...
by heartwood
Sun Apr 15, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Options to a Bose Wave Radio
Replies: 26
Views: 5752

Re: Options to a Bose Wave Radio

My Bose Wave is at least 20 yrs old and sits on my nightstand. That said we also have a Google Home Mini in the room. No clock display to check the time, but all I need to say is Ok google, what's the time. I don't need to open my eyes or put on my glasses. I find the sound quality to be OK, and com...
by heartwood
Fri Apr 13, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Parking Business Cash - WHERE?
Replies: 21
Views: 2759

Re: Parking Business Cash - WHERE?

Vanguard Money Market Fund. In general Vanguard MM accounts are only available to retail investors (natural persons). So no account in a business or LLC name. See first sentence in last paragraph. https://advisors.vanguard.com/web/cf/fas-investmentproducts/0030/overview You are incorrect. Businesse...
by heartwood
Thu Apr 12, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Parking Business Cash - WHERE?
Replies: 21
Views: 2759

Re: Parking Business Cash - WHERE?

longleaf wrote:
Mon Mar 26, 2018 11:53 am
Vanguard Money Market Fund.
In general Vanguard MM accounts are only available to retail investors (natural persons). So no account in a business or LLC name.

See first sentence in last paragraph. https://advisors.vanguard.com/web/cf/fa ... 0/overview
by heartwood
Wed Apr 11, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Monetary gift in memory of deceased
Replies: 8
Views: 922

Re: Monetary gift in memory of deceased

We did this recently online. If you google "gift to "name" hospital in your state, you will probably get a link to the hospital foundation or similar. Our lets you use a credit card, select how the money will be used and also allows specifying "in memory" or "in honor" of with provision to enter the...
by heartwood
Sun Apr 08, 2018 10:01 am
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 14
Views: 2196

Re: Are my posts missing or being deleted?

I think the 2nd screen is what you see if you "submit" but someone has posted in the interim. You're given the chance to amend your post, or hit submit again. I've missed the notice more than once and my post was lost. As a result I've learned to pay a bit more attention and read the prompts. Hope t...
by heartwood
Fri Apr 06, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4737

Re: Tequila and Magaritas

Years ago we did some Spring skiing in Taos, NM. We had a few great margaritas with a NM Mexican dinner. After we got back I bought a good tequila, Cointreau and some limes. It wasn't even close to the taste we'd had or wanted. This was back when you paid for long distance calls (remember when?), bu...
by heartwood
Thu Mar 29, 2018 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Are Vanguard Yields Accurate On Yahoo Finance?
Replies: 3
Views: 375

Re: Are Vanguard Yields Accurate On Yahoo Finance?

See link

https://investor.vanguard.com/etf/list# ... nd-returns

I'm seeing SEC yields there and also when I click the individual ETFs
by heartwood
Wed Mar 28, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 4997

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

FWIW, very common overseas. Where I come from you would never buy a house (or any property) without hiring a conveyancing lawyer. It seems (mercifully?) paradoxical that lawyers in the most litigious country on the planet have not spread their tentacles into this area. It varies by state. In many s...
by heartwood
Sun Mar 25, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 6259

Re: Costco Kirkland Brand Liquor

If, on the other hand, you are trying to pass Costco's vodka as Grey Goose in a drink that is not designed to obliterate the taste of liquor, you are going to be sorely disappointed. As I've mentioned above, you do not even have to taste it to tell the difference, as Grey Goose has very little odor...
by heartwood
Sun Mar 25, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 6259

Re: Costco Kirkland Brand Liquor

Without reading all the details of the 49 posts, I would ask the question is Costco selling liquor within the confines of their store (which I know it does in some states) or is it being sold by a company other than Costco but in a store adjacent or attached to the Costco building as is the case in...
by heartwood
Sat Mar 24, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Light Switch Style and Why?
Replies: 12
Views: 1421

Re: Light Switch Style and Why?

No reason but I’d prefer the paddle. Have you considered Smart Swiches? I prefer the rocker. I strongly second considering smart switches. We've added some smart wall outlet switches controlled by our google home. Now I can control individual lights or a whole room by saying "ok google, turn on the...
by heartwood
Fri Mar 23, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3452

changing my signature when signing checks and credit card receipts

In trying to stop doing unnecessary things I started just doing a short squiggle when signing at credit card terminals since no one ever looks at what you sign. I've now progressed to a deteriorating signature if I sign an actual paper credit card receipt and will probably move to the squiggle soon....
by heartwood
Wed Mar 21, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Hawaii accomodations [Honolulu in Jan/Feb]
Replies: 4
Views: 500

Re: Hawaii accomodations [Honolulu in Jan/Feb]

Just some random thoughts: If you're not planning on a hotel, start looking for accomodations now. January/February/March are high season throughout the state with all the snowbirds coming from the US mainland, from Canada, and from Asia. Many of the month or several month people book next year when...
by heartwood
Fri Mar 16, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a quality will?
Replies: 17
Views: 1810

Re: Cost of a quality will?

My wife and I recently moved states (MD to OH) and are redoing our will to adhere to Ohio law as opposed to Maryland. We did our estate plans some ten years ago, shortly before retirement. We were unsure which state we'd wind up in. Our attorney wrote the documents to conform with the laws and prac...
by heartwood
Fri Mar 09, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Anonymous/Private LLC?
Replies: 2
Views: 369

Re: Anonymous/Private LLC?

I'd like to make investments via an LLC instead of as an individual and I'd like to prevent my identity from being associated with the LLC in any public records. My lawyer wants to do this by forming two LLCs, one which would serve as member of the other. Is there a better/simpler way to accomplish...
by heartwood
Tue Feb 27, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Costco - Executive vs. Gold Membership
Replies: 44
Views: 15055

Re: Costco - Executive vs. Gold Membership

So much depends upon your location and lifestyle. Late last year Costco added the 2% Executive Rebate to all travel booked through Costco Travel so our several months long car rentals get us rebates of about $20/ rental. I can't find a way to confirm what's in the rebate (they don't include a breako...
by heartwood
Sun Feb 25, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help - what's your Favorite muni fund and why?
Replies: 20
Views: 1932

Re: Help - what's your Favorite muni fund and why?

Have you tried the search function in the upper right?

So, so many threads on this topic recently, e.g.,

viewtopic.php?t=241132

But the search on "muni funds" or similar will return many threads exploring the many facets of what you might consider.
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: 3323

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: 3323

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: 4746

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: 1461

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: 2319

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: 739

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...