Search found 1525 matches

by heartwood
Thu Jul 09, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Tom Clancy series book recommendations
Replies: 29
Views: 1688

Re: Tom Clancy series book recommendations

WSJ listed some favorite spy/thrillers that had been written and then a lot of readers chimed in through comments. I copied a list I found interesting - it is below. I also read a recommended book by Fitzroy Maclean called "Eastern Approaches." He wrote it in the 1940s after WWII and it detailed hi...
by heartwood
Thu Jul 09, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4463
Views: 1260468

Re: What Book Are You Currently Reading? Part VI

If it Bleeds by Stephen King. Four novellas. I generally enjoy his work, particularly the earlier years. As usual the ideas are interesting and the writing well done. I read two and part of a third and have put it aside for now. Easy to do with unlinked novellas. One story describes a writer of shor...
by heartwood
Sat Jul 04, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

Money for Nothin' Live. https://www.youtube.com/watch?v=NTeZaD0sEGM Mark Knopfler on lead guitar, Eric Clapton on rhythm guitar, Phil Collins on drums, Sting on backup vocal. :D :sharebeer your link goes to an unavailable Beatles video, at least for me. Here's a link to Knopfler, et al. love the ch...
by heartwood
Sat Jul 04, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: MOOC for First-Time Homebuyers?
Replies: 7
Views: 701

Re: MOOC for First-Time Homebuyers?

superinvestor wrote:
Fri Jul 03, 2020 4:06 pm
youtube.com
+1 youtube has it all.

I had to google MOOC. For those who come after me ... Massive Open Online Courses

I'm familiar with them, but don't know the acronym.
by heartwood
Sat Jul 04, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 446
Views: 76961

Re: Good Modern Science Fiction

I had a similar experience with Kindle Unlimited and dropped it after the trial period plus extra month. But during that time I found a number of books that are not available to me through my libraries as e-books. To stay within the theme of the thread, one was We are Legion (We are Bob) by Dennis T...
by heartwood
Sat Jul 04, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

Money for Nothin' Live. https://www.youtube.com/watch?v=NTeZaD0sEGM Mark Knopfler on lead guitar, Eric Clapton on rhythm guitar, Phil Collins on drums, Sting on backup vocal. :D :sharebeer your link goes to an unavailable Beatles video, at least for me. Here's a link to Knopfler, et al. love the ch...
by heartwood
Fri Jul 03, 2020 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Checking & Savings account bonuses - Associated Bank and HSBC
Replies: 12
Views: 777

Re: Checking & Savings account bonuses - Associated Bank and HSBC

I looked at HSBC after getting a postcard offer a week ago. There's a $50 monthly maint fee if you don't either direct deposit $5000+ per month or maintain a $75k balance or a $500k mortgage. Their savings and checking interest rates are skimpy. https://www.us.hsbc.com/savings-accounts/products/inte...
by heartwood
Fri Jul 03, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

Now listening to Workingman’s Dead: The Angel’s Share by The Grateful Dead. The first studio outtakes ever released by the Dead. It came out yesterday. https://www.rollingstone.com/music/music-features/grateful-dead-workingmans-dead-reissue-angels-share-1011483/ very enjoyable! The photo in your Ro...
by heartwood
Fri Jul 03, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity: How To Get Account As Start Screen
Replies: 10
Views: 845

Re: Fidelity: How To Get Account As Start Screen

I haven't been irritated enough to contact Fidelity, but I sure wish I could get my preferred view back at login. It's only an extra step to get to the "Portfolio" view after login. I think they put that in place because during the peak of the market gyrations it was taking too long for the preferr...
by heartwood
Fri Jul 03, 2020 9:18 am
Forum: Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally
Replies: 43
Views: 3551

Re: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally

... I think the primer money market fund VMMXX pays better? The most recent distribution of VMMXX is 2.3% while federal money market is 1.4%. The ER are almost the same say .16% and 0.11% separately. Yes, Prime MM pays a little bit better than Fed MM. I have three questions and I would really appre...
by heartwood
Thu Jul 02, 2020 8:35 pm
Forum: Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally
Replies: 43
Views: 3551

Re: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally

A back of the envelope analysis showed I'd buy in at one price and need to sell at a lower one. My duration was perhaps 6 months. The fund currently shows a 2.6 yr duration. " Why did you sell at a lower one price? Why not wait till the price went up so it guaranteed you got both dividends and low-...
by heartwood
Sun Jun 28, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

bearcub wrote:
Sun Jun 28, 2020 11:30 am
Life In A Dollhouse. 1967 British band. Unique sound. They use some unique instruments.
Is the album called Music in a Doll's House by the band Family? https://en.wikipedia.org/wiki/Music_in_a_Doll%27s_House
by heartwood
Sun Jun 28, 2020 10:15 am
Forum: Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally
Replies: 43
Views: 3551

Re: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally

Here's the chart: https://investor.vanguard.com/mutual-funds/profile/performance/vwitx I'd suggest you consider your yield v. price fluctuation and decide if it really works for you. The above link shows the last 10 years of performance; halfway down under "performance" click "view price history" an...
by heartwood
Fri Jun 26, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

The Kinks - Lola . A true classic, it's in the top 500 songs of all time. Then Sunny Afternoon . Absolutely love the Kinks, one of the most underrated bands ever. Ray Davies is a genius. Such a diverse catalog of music. I'm a classic rock guy and my 26 year old son actually knows more about 70's mu...
by heartwood
Fri Jun 26, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

flynsail wrote:
Thu Jun 25, 2020 7:38 pm
8-) Jimmy Buffet's "Life On The Flip Side," first studio album in seven years. A solid A, well-written.
Thank you! I'm on the first song and have a broad smile!

On Spotify
by heartwood
Sat Jun 20, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10419

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Find another agent who represents you, and doesn't MSU MSU ELI5 Asked and answered up-thread: MSU What does this mean? Make stuff up So then what is ELI5? explain like I'm 5. I tried googling MSU with no usable result. Perhaps I was being a little snarky about the use of the acronym. I only learned...
by heartwood
Sat Jun 20, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Signature strip on credit card
Replies: 73
Views: 5577

Re: Signature strip on credit card

You "SEE ID" folks haven't thought it through. That makes it easier for someone to use your card if a clerk actually checks the signature block.... All they need is a fake ID which is trivial to obtain, or at least is trivial for high school kids. If the clerk wants a signature on the receipt, thei...
by heartwood
Sat Jun 20, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

Bob Dylan's new album "Rough and Rowdy Ways". I listened to Rough and Rowdy Ways this morning. I'm now going through 20 Dad Rock albums you should learn to love https://www.flavorwire.com/447934/20-dad-rock-albums-you-should-learn-to-love I linked there from a NYT Music article I’m Not a Dad, but I...
by heartwood
Sat Jun 20, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10419

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Goal33 wrote:
Thu Jun 18, 2020 4:45 pm
Find another agent who represents you, and doesn't MSU
MSU ELI5
by heartwood
Fri Jun 19, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

Homegrown — Neil Young. This is a just-released 45 year old Neil Young album, sounds pretty good! He’s had it in the vault all these years. He didn’t want to release it or even listen to it after he broke up with actress Carrie Snodgress — too many bad memories. It includes the late Levon Helm drum...
by heartwood
Fri Jun 19, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Dress Shirts
Replies: 47
Views: 3668

Re: Dress Shirts

Some of my favorite shirts in color/fit are Brooks Brothers. They have lasted many years for me so surprised someone reported having one wear in a year (maybe they are manufactured differently depending upon style and when purchased). I've read that the newer ones might be garbage compared to the o...
by heartwood
Fri Jun 19, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1622
Views: 226465

Re: Fidelity as a one stop shop

These have been some observations of mine with Fidelity when trying to use it as a one-stop shop. I hope Fidelity will eventually fix some of these: - Only ~500 debit card limit: Sometimes I need to take out $600-800. The majority of debit cards at least allow up to 1k. I suspect it has something t...
by heartwood
Sat Jun 13, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

OK, switching to WRTI: Nouveau Jazz Showcase , Temple University radio. I listened to part of the Nouveau Jazz Showcase last night. They had some good selections! Right now I'm listening to this interesting, new jazz trio from the UK I heard about on NPR today. Nice harmonies and eclectic sound wit...
by heartwood
Fri Jun 12, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3697

Re: Coffee Experts - Help with an online coffee order

Slightly older thread. With apologies to the OP I'd like to ask for slightly different recommendations but have enjoyed the discussion he started. For many years we were fortunate to have access to Fairway Markets (mid-Atlantic grocery chain) coffee. They roasted in the store, had 30 or more varieti...
by heartwood
Thu Jun 11, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Savings Account Transfer Limitations
Replies: 10
Views: 1208

Re: Beware Marcus/Goldman Sachs Savings

We had a related experience at Fidelity CMA. It's a joint account. My wife received a 3rd party check made out to her. I mobile deposited through my logon in the Fido app on my phone. I'm fairly sure I'd done this before. The next day the deposit was voided. I called and was told I cannot deposit a ...
by heartwood
Fri Jun 05, 2020 6:39 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1953
Views: 212111

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

retiredjg wrote:
Thu Jun 04, 2020 6:18 pm
Enjoying Kim's Convenience on Netflix. Never would have known it existed if not recommended here.
+1 again based on a mention in this thread.
by heartwood
Fri Jun 05, 2020 6:38 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9626

Re: Amazon Prime Membership Question [Considering to drop membership]

What would Alexa say? :D Don't have Alexa, but I asked "hey google" in my google assistant. And got an "it depends" type answer, geared to music and movie streaming, with fast and free shipping as an afterthought. I'd keep it even if our daughter wasn't sharing her membership with us and we paid ou...
by heartwood
Fri Jun 05, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5571
Views: 1361900

Re: What Movie Have You Recently Watched?

Uncut Gems was a pretty decent movie. Watched Back to the Future after that. Lighter fare. RM I've never been a fan of Adam Sandler as a comic. I recall reviews about Uncut Gems when it was released calling it an Adam Sandler movie for those not liking Adam. Now that its streaming I watched it last...
by heartwood
Thu Jun 04, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9626

Re: Amazon WITHOUT Prime?

Just a sidebar. Amazon Whole Foods delivery just came to my town a couple/three weeks ago with contactless home delivery. We're in a very restricted area, with no pickup or delivery generally available, plus often wait lines at groceries. We were very happy with 2 orders with 3 hr and 4 hr delivery,...
by heartwood
Tue Jun 02, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39733

Re: What are you listening to now

In the Heart of the Moon Album by Ali Farka Touré and Toumani Diabaté I'm listening on Spotify. It's described as African Blues. A mix of guitar and the kora (a 12 string gourd harp?) It was mentioned as a Norah Jones favorite in the 6/2/20 NYT https://nyti.ms/2U2qYdf article "Norah Jones Enjoys a W...
by heartwood
Mon Jun 01, 2020 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1622
Views: 226465

Re: Fidelity as a one stop shop

Does anyone know if Fidelity credit card transactions can be directly loaded into Microsoft Money? My current CC institution just discontinued the ability to download transactions to MSM, and I am very disappointed. I have searched this thread and the site and couldn't find the answer, so I am gues...
by heartwood
Sun May 31, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1622
Views: 226465

Re: Fidelity as a one stop shop

Does anyone know if Fidelity credit card transactions can be directly loaded into Microsoft Money? My current CC institution just discontinued the ability to download transactions to MSM, and I am very disappointed. I have searched this thread and the site and couldn't find the answer, so I am gues...
by heartwood
Wed May 27, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19345

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Having experienced a 7-figure loss in value during the 2008 financial crisis, I think I'm ready to stop playing. My fear relates to high or hyper inflation esp following the financing of the current crisis. I recall in the 70s and 80s we had several years of 10% +/- inflation. Salaries virtually dou...
by heartwood
Wed May 27, 2020 8:10 am
Forum: Personal Finance (Not Investing)
Topic: How is the Amazon Prime Rewards Visa Signature Card
Replies: 41
Views: 2415

Re: How is the Amazon Prime Rewards Visa Signature Card

Thanks all. Based on comments from you I'd guess the bad reviews I linked to are bogus or unusual. I did check for the AMEX Amazon card but it seems to be Business card requiring Business Prime and $3000 spending in the first 3 months in the 2% and 1% categories to get the sign up bonus. I plan to a...
by heartwood
Tue May 26, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: How is the Amazon Prime Rewards Visa Signature Card
Replies: 41
Views: 2415

How is the Amazon Prime Rewards Visa Signature Card

I've search the blog and don't see a current evaluation of the Amazon Prime Visa. I'd like to get feedback from BHs who have the card. Online reviews at Amazon are of concern if real. Amazon Whole Foods Delivery came to my town in May. I've used it twice and been very satisfied. Place an order on th...
by heartwood
Tue May 26, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13158

Re: Capital One 360 Savings Promo

couple questions about this promo: 1) can my wife and I both use this promo separately and both get the $500 bonus? 2) will I need to use my SSN? I have my credit frozen so will I need to unfreeze it? thanks 1. Yes, spouse and I are doing so. We used different email addresses for each individual ac...
by heartwood
Sun May 24, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Discount wine sites for upscale wine?
Replies: 12
Views: 1577

Re: Discount wine sites for upscale wine?

We've been pleasantly surprised by the quality and prices at www.splashwines.com. So far we're half through our first case and every bottle has been better and less expensive than our usual medium priced wines. Will probably continue buying this way. looks interesting but currently has no list of w...
by heartwood
Sun May 24, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: ELI5 P2P payments: explain like I'm 5, person to person payments
Replies: 5
Views: 434

Re: ELI5 P2P payments: explain like I'm 5, person to person payments

I think I get it now. I'm thinking I should ask the person I'm paying if they're using a particular service. As mentioned, I've got both zello and google pay. it's not a large amount, $30 - $40. I can always do a check or cash. I don't want to give them extra work to setup a new account linkage for ...
by heartwood
Sat May 23, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: ELI5 P2P payments: explain like I'm 5, person to person payments
Replies: 5
Views: 434

ELI5 P2P payments: explain like I'm 5, person to person payments

My title is partially a nod to my not knowing the ELI5 acronym a week ago. So is p2p egged on by the eli5 usage. My main acronym is YMMV: your mileage may vary. I don't know any, not one, ticker symbols. I don't generally google acronyms I don't know. I'd like to pay someone coming to the house with...
by heartwood
Sat May 23, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4463
Views: 1260468

Re: What Book Are You Currently Reading? Part VI

John Grisham's CAMINO ISLAND and CAMINO WINDS. Fun reads. I read Camino Island when it came out. I'm just starting Camino Winds. Fun reads indeed. Both are definitely 'beach books'. Okay if you skip a lot of the dialog and irrelevant discussion. I've commented before about Grisham's novels in the l...
by heartwood
Sat May 23, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Cheap way to ship a few boxes?
Replies: 14
Views: 965

Re: Cheap way to ship a few boxes?

I'm moving and mostly starting from scratch in terms of furniture and personal belongings. I need to ship a few boxes (maybe 3-6) worth of personal items to the new location. (I'll be flying to the new house, not driving.) When I order things online, the companies seem to pay so little for shipping...
by heartwood
Wed May 20, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity- new rewards program for Wealth Management clients]
Replies: 21
Views: 2409

Fidelity Rewards +

[merged into existing thread - moderator prudent] Today's (5/20) WSJ has a full page ad for Fidelity Rewards + * up to 3% back on everyday purchases *exclusive access to highest yielding MM *3 layers of advanced ID protection *trade options online free from commissions or contract fees https://rewa...
by heartwood
Wed May 20, 2020 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13158

Re: Capital One 360 Savings Promo

Update: On Saturday I got an email to finish linking my account and to confirm test amounts. It provides links to my account. However the instruction in the email don't mirror the website setup and labels. After some fumbling I did find the verify screen and entered the amounts. But no confirmation...
by heartwood
Tue May 19, 2020 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13158

Re: Capital One 360 Savings Promo

Update: On Saturday I got an email to finish linking my account and to confirm test amounts. It provides links to my account. However the instruction in the email don't mirror the website setup and labels. After some fumbling I did find the verify screen and entered the amounts. But no confirmation...
by heartwood
Sun May 17, 2020 3:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8803

Re: Vanguard Mutual Fund Platform EOL

Can someone ELI5 what is going on here? I've not heard of this prior to stumbling upon this thread. What is the difference between the mutual fund platform and my current brokerage accounts? What is expiring in 2022 and why is it concerning some investors enough to possibly change firms? Can't help...
by heartwood
Sat May 16, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Upgrade to Pixelbook Go?
Replies: 6
Views: 365

Re: Upgrade to Pixelbook Go?

Does anyone have experience with this kind of chromebook? I'm interested in the model with the least memory, but I can't find a floor model near me where I can see it in person. I've been using a $300 Acer chromebook I got at Costco for the last 3 years. I spend multiple hours a day everyday using ...
by heartwood
Sat May 16, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Charitable donations from IRA
Replies: 11
Views: 555

Re: Charitable donations from IRA

I did a QCD in 2019. I got my 1099-R from Vanguard for my IRA account. It showed the total withdrawn to meet the RMD. It did not show the QCD separately. Instead Box 2b (taxable amount not determined) was checked. I queried Vanguard who advised having my tax preparer use the QCD documentation to adj...
by heartwood
Sat May 16, 2020 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13158

Re: Capital One 360 Savings Promo

Opened the C1 savings account late on Monday 5/11. Got email confirming account early on Tuesday. Two test deposits on Thursday. They pulled the combined deposits back as one withdrawal today (Friday 5/15). There was no interaction with me to confirm the test deposits or amounts. When I logon to C1...
by heartwood
Fri May 15, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13158

Re: Capital One 360 Savings Promo

Opened the C1 savings account late on Monday 5/11. Got email confirming account early on Tuesday. Two test deposits on Thursday. They pulled the combined deposits back as one withdrawal today (Friday 5/15). There was no interaction with me to confirm the test deposits or amounts. When I logon to C1 ...
by heartwood
Tue May 12, 2020 1:29 pm
Forum: Personal Investments
Topic: radical AA changes; where to put the proceeds?
Replies: 6
Views: 395

radical AA changes; where to put the proceeds?

I plan to adjust my AA, currently 70/25/5, almost all in tax deferred. Retired, mid-70s, want to "stop playing the game". Pensions, SS, and RMDS cover the annual budget. If I sell my stock and bond funds where do I safely put the proceeds for the next several years or longer? As a conversation start...