Search found 1263 matches

by heartwood
Wed Nov 14, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: sony TV XBR49X900F $1K vs a cheaper alternative Samsung $330
Replies: 18
Views: 770

Re: sony TV XBR49X900F $1K vs a cheaper alternative Samsung $330

this will be a gift from the kids I believe she looked at Sony exclusively - her current 20-plus-year-old TV is a sony that has served her well. the one before that was also sony. Trying to tell her that LG and Samsung are as good as sony these days but... also trying to balance a few extra bucks v...
by heartwood
Wed Nov 14, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: sony TV XBR49X900F $1K vs a cheaper alternative Samsung $330
Replies: 18
Views: 770

Re: sony TV XBR49X900F $1K vs a cheaper alternative Samsung $330

Hello, I have not had a TV for 20 years but my 70-year-old mom needs a new replacement at her place. Sadly watching TV is her main entertainment... Looking for some advice as she requested this Sony TV XBR49X900F (costs $1,000 plus tax) How is this Sony TV better than any good deal I can find at co...
by heartwood
Sat Nov 10, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 924
Views: 100359

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

Homecoming on Amazon Prime Video https://www.amazon.com/Season-1-Official-Teaser/dp/B07FNWYY2L Free for Prime members, Series with Julia Roberts in half hour installments. I watched the first episode. I'm not sure whether the buzz is deserved or the buzz is really about Ms.Roberts. I'll probably wat...
by heartwood
Fri Nov 09, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Snowbirding in HI [Residency requirements for tax purposes]
Replies: 28
Views: 2781

Re: Snowbirding in HI

Hi folks, I'm wondering if any BHers have experience snowbirding in Hawaii? We're going to try it for the first time this year. We currently reside in NH. We own 2 properties in NH, 1 in HI, and a rental property in MA; we have lived for 35+ years in NH and that is our permanent residence. We have ...
by heartwood
Sat Nov 03, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1765

Re: Credit card Surcharges

In my state many (most?) gas stations have cash and credit prices for gas. It varies from about 6 cents to 12 cents a gallon to use a credit card. At current pricing of $2.70 to $2.95 that's about 2 to 4%. Some stations still charge the same price, cash or credit, but I'd guess more than half surcha...
by heartwood
Fri Nov 02, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can I have my SS deposited directly into a Vanguard MM fund?
Replies: 7
Views: 1183

Re: Can I have my SS deposited directly into a Vanguard MM fund?

Yes. I do. Used the same Vanguard bank routing information I used to set up a DD from my employer. As mine is a Vanguard mutual fund account, not a brokerage account, my DD is to tax-exempt mmkt. I'm guessing that your mutual fund account has checking associated with it, hence the routing and accou...
by heartwood
Fri Oct 26, 2018 2:29 am
Forum: Investing - Theory, News & General
Topic: Cash Parking Lot: Prime MM or limited term tax exempt?
Replies: 19
Views: 2475

Re: Cash Parking Lot: Prime MM or limited term tax exempt?

Hey all, For cash that you may or may not need in short term, would you put it in MM (VMMXX) or limited term tax-exempt index (VMLUX)? It seems VMMXX a more "promising" looking that no need to worry about return of principle. VMLUX definitely has higher yield after tax but the NAV seems fluctuates ...
by heartwood
Thu Oct 25, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014449

Re: What Book Are You Currently Reading? Part VI

The Reckoning by John Grisham.

Overwritten, repetitious, a quarter or more is a history book of the Bataan death march. Where has the real John Grisham gone or who wrote the books of his early career that made him famous?
by heartwood
Mon Oct 22, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 4818

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

We've had Vanguard Advantage since it was first available. I also have it on two trust accounts. Mobile deposit used to be available but not since the changeover to brokerage accounts. The Vanguard Advantage account is linked to our USAA checking account and funds can be transferred back and forth ...
by heartwood
Sun Oct 21, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Money Market Fund
Replies: 15
Views: 1448

Re: Municipal Money Market Fund

Tax free, stable value , highest possible yield fund in a taxable account ? I'm not an expert but a quick look at Vanguard suggests there are no tax-exempt MM funds available to non-natural persons. You might look at tax-exempt bond funds if they are available to you, but I found they are not stabl...
by heartwood
Sun Oct 21, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 31
Views: 2573

Re: Credit card claim for rental car collision?

After reading all the replies and carefully checking the fine print on my various credit cards, I will likely use the premium car rental protection from American Express for $24.95. It allows me 42 (instead of the usual 30) days of consecutive coverage since we will be gone for 5 weeks, and it is c...
by heartwood
Sun Oct 21, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Money Market Fund
Replies: 15
Views: 1448

Re: Municipal Money Market Fund

I have Limited partnership account (LLLP) Is this the reason why I am being blocked ? But why is vanguard not Allowing it ? It is still a Brokerage account That's why. It has nothing to do with it being a brokerage account. The LLLP is not a "natural person." Some MMs are only allowed to be held by...
by heartwood
Sat Oct 20, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Money Market Fund
Replies: 15
Views: 1448

Re: Municipal Money Market Fund

My guess is you have a non- personal account, something like an LLC, or similar. Several MMs are "only available to retail investors (natural persons)." Same goes for Prime MM. I have no idea why its so. I wanted to add Prime MM to my LLC account and was refused. Here's the link to your fund: https:...
by heartwood
Sat Oct 20, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 82
Views: 9144

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Thank you for the outline!

Any simple advice on TLH in tax exempt bond funds? I recall there's some wrinkle perhaps around reinvested dividends.

Sorry if I missed it in the article.
by heartwood
Sat Oct 20, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 31
Views: 2573

Re: Credit card claim for rental car collision?

A few years ago we had damage to a rental car in a parking lot. No note, etc. It looked like a sideswipe to the driver and rear passenger doors. Well beyond ignorable. We had AMEX Premium car insurance at the time. We returned the car to AVIS. They filled out the damage report and we left after taki...
by heartwood
Thu Oct 18, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 924
Views: 100359

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

We watched the pilot of "The Rookie" on ABC this week. He's an older small town guy, trained as a lawyer(?), worked in construction for the last several decades. While putting his ink-still-wet divorce papers in the safe deposit, bank robbers enter ... After the commercial break and 6 months later, ...
by heartwood
Thu Oct 18, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014449

Re: What Book Are You Currently Reading? Part VI

I'm reading "The Witch Elm" by Tana French. She's written the several Dublin Murder Squad novels, each somewhat linked to the next by the police investigators. I've read and enjoyed each of those. The WItch Elm is a stand alone with a very different focus. Still in Ireland, but without the Murder Sq...
by heartwood
Wed Oct 17, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 28
Views: 1402

Re: your favorite ereader?

I read on my phone. I use the Libby app for library books and kindle app for others. I use the RB digital app for library magazines, like the economist. I minimize personal electronic devices to avoid having to own lots of devices that need upgrading / disposal every four years or so. I had a paper...
by heartwood
Tue Oct 16, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39208

Re: Vanguard has switched to brokerage only accounts

The pages of the statement that show the brokerage account say "year-to-date" on them. However, the data is not YTD. You might be mis-interpreting the report. The "year-to-date" refers to the totals. The "transaction" section is only for the current quarter. I think on the old platform the reports ...
by heartwood
Tue Oct 16, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Taking RMD from Vanguard
Replies: 6
Views: 1037

Re: Taking RMD from Vanguard

I tried putting it in the Settlement fund and wasn't able to take the RMD after that. I might have to wait until it clears. Here's what my advisor said: I am sorry to hear you are having some issues taking the required minimum distribution (RMD) out of the brokerage account. As long as you are taki...
by heartwood
Sat Oct 13, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile Check--Still Not Working (UPDATE:--Now Working Again)
Replies: 4
Views: 500

Re: Vanguard Mobile Check--Still Not Working

I converted to the "New Platform" and after that conversion, the Mobile Check feature stopped working. Mobile Check has never worked for me on the "New Platform". Closest thing I've found to an explanation is this Q/A, which has been on https://personal.vanguard.com/us/help/FAQTechHelpMobileCheckIn...
by heartwood
Sat Oct 13, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Taking RMD from Vanguard
Replies: 6
Views: 1037

Re: Taking RMD from Vanguard

OK...they want me to put it in the settlement fund. I want to withhold a % for fed taxes and move the rest to my taxable account. Once it's in the settlement fund will it give me the option to direct how much I want to go to taxes? It was so much easier to navigate this site prior to brokerage taki...
by heartwood
Sat Oct 13, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile Check--Still Not Working (UPDATE:--Now Working Again)
Replies: 4
Views: 500

Re: Vanguard Mobile Check--Still Not Working

Below is a copy of a secure message I just sent my Flagship rep at Vanguard. I'm sorry to report that Mobile Check still does not work for my Vanguard Advantage Account. Today, I attempted three times to deposit a check using the app. The first message I received was that the system couldn't read t...
by heartwood
Thu Oct 11, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 57
Views: 4255

Re: Which one: Lyft or Uber?

Here's a side by side price comparison website

https://ride.guru/#home-hero

Do the "Check Availability & Compare Fares" link
by heartwood
Thu Oct 11, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 57
Views: 4255

Re: Which one: Lyft or Uber?

Here's a side by side price comparison website

https://ride.guru/#home-hero
by heartwood
Sat Oct 06, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1529

Re: Help identify vine in backyard

I agree with others, not poison ivy. Maybe try the Picture This app. Take a pix and it suggests possible plants. However my success rate, based upon what they show as a match, seems poor. It suggests you have Common Medicineplant. And others that look nothing like the pix. I frequently use Google Le...
by heartwood
Mon Oct 01, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: another chromebook or?
Replies: 13
Views: 1372

Re: another chromebook or?

If the issue was solved, it would be solved on your current chromebook as well. Perhaps it's time to upgrade to a cloud ready printer? This was going to be my reply. Keep your Chromebook, buy a new printer that support cloud printing. A Brother/Wi-Fi printer will be less than a new Chromebook. http...
by heartwood
Tue Sep 25, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 924
Views: 100359

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

I watched the new Magnum PI last night. Also the new show, Manifest, about a 2013 airliner that lands in 2018 New York. Both lived down to the NYT summary: "On Monday, the “Magnum P.I.” pilot is a snooze, and “Manifest,” the missing-plane drama, is even worse." We made it through Magnum, barely, but...
by heartwood
Tue Sep 25, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: another chromebook or?
Replies: 13
Views: 1372

Re: another chromebook or?

If the issue was solved, it would be solved on your current chromebook as well. Perhaps it's time to upgrade to a cloud ready printer? This was going to be my reply. Keep your Chromebook, buy a new printer that support cloud printing. A Brother/Wi-Fi printer will be less than a new Chromebook. http...
by heartwood
Mon Sep 24, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014449

Re: What Book Are You Currently Reading? Part VI

I finished Only to Sleep by Lawrence Osborne. The title is a connection to The Big Sleep by Raymond Chandler. Chandler's estate selected Osborne to write another Philip Marlowe story. They had selected Robert Parker to do the same in the past. Parker wrote two Marlowe novels before his death. Only t...
by heartwood
Mon Sep 24, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: To rent out our house or not
Replies: 25
Views: 1438

Re: To rent out our house or not

Insurance will probably change as a rental unit, and may be a different type of policy overall. I would discuss it with your agent. Any renters should be required to have their own insurance, but you might want to increase your liability limits. Since you're 5 years into your mortgage its probably n...
by heartwood
Thu Sep 13, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4441

Re: I need a chainsaw to trim branches and limbs!!

dm200 wrote:
Thu Sep 13, 2018 1:42 pm
Hire someone who:

1. Has the right equipment
2. Knows what he/she is doing
+1

But if you insist on DIY, here's a 2yr old summary from wirecutter https://thewirecutter.com/reviews/the-best-chainsaw/
by heartwood
Wed Sep 12, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 4818

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

Thank you for posting the news. Hallelujah!!! It's been over two years since switching to brokerage and losing mobile check deposit w/o any forewarning. I've had to mobile deposit rent checks to BOA and EFT to Vanguard, limited to my BOA daily/monthly $10k amount. Vanguard gives me $50k. Thank you!
by heartwood
Sun Sep 09, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014449

Re: What Book Are You Currently Reading? Part VI

i"ve been reading the Martin Walker series for years. I started the latest, A taste for Vengeance and paused about half though it. Funny you mention Louise Penny. A good friend has recommended her several times. I started the 1st in the series and thought it was so, so. After speaking with my friend...
by heartwood
Mon Sep 03, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 924
Views: 100359

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

Based on the several recommendations here I started Peaky Blinders. I went through the first season (6 hour episodes) in a day or so. I'm half into season 2 right now. I seldom binge watch anything. I was a big fan of Deadwood on HBO. I see that HBO announced a Deadwood movie on HBO in 2019, suppose...
by heartwood
Sun Aug 26, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 4818

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

do they change ATM card fees We have had Advantage accounts for longer than I can remember. We use one as our main checking/billpay account. At least two downsides: free ATM withdrawal at PNC only, and major for us, no mobile check deposit since we switched to the brokerage account format about 2 y...
by heartwood
Wed Aug 22, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: VanguardAdvantage Account - Direct Debit functionality (ETF)
Replies: 3
Views: 508

Re: VanguardAdvantage Account - Direct Debit functionality (ETF)

We see that VanguardAdvantage accounts include a checkbook. Checks are ok but direct debit is better for paying bills . Do VanguardAdvantage account have the ability to pay bills by direct debit? For example, can I pay my electric bill every month via direct debit (ETF)? The electric company suppor...
by heartwood
Tue Aug 21, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7377

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

You might check who signed the diploma. Just tongue in cheek. I hate to see anyone have to waste time correcting this type of error, but here's a wsj story from August 19. https://www.wsj.com/articles/nice-degree-but-your-diploma-gets-an-f-for-spelling-1534696400?mod=searchresults&page=1&pos=1 The 1...
by heartwood
Tue Aug 21, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: VanguardAdvantage Account - Direct Debit functionality (ETF)
Replies: 3
Views: 508

Re: VanguardAdvantage Account - Direct Debit functionality (ETF)

We see that VanguardAdvantage accounts include a checkbook. Checks are ok but direct debit is better for paying bills . Do VanguardAdvantage account have the ability to pay bills by direct debit? For example, can I pay my electric bill every month via direct debit (ETF)? The electric company suppor...
by heartwood
Sat Aug 18, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2290

Re: Soap for hand washing dishes

yet another vote for Dawn. We used Palmolive for years and they seem to have changed the formula several years back and it no longer foamed or cleaned well. We tried Dawn and would never go back. A little harder to find but Dawn Platinum Foaming in a pump dispenser is amazing. A little dab seems to ...
by heartwood
Thu Aug 16, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2978

Re: Sign - Speed checked by Radar

I've also read recently about license plate readers on police cars that read licenses on both sides of the street and search for outstanding violations. THen another article about a US city that was installing license plate readers atop all street lights, effectively identifying any car travelling t...
by heartwood
Thu Aug 16, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2978

Re: Sign - Speed checked by Radar

Hi, On the freeways, I see this sign "Speed checked by Radar" but I do not see any drones or planes above. How does this work? If someone goes beyond speed limit, the person's car is noticed by some thing which is flying and he gets ticketed by Cop who is waiting ahead.. -JR My guess it's just a he...
by heartwood
Wed Aug 15, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3574

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

I have a Vanguard Advantage Account. If you never heard of it-- no wonder they don't make it easy to find out about it. It is a cash management account which uses the Fed Money Market Fund currently yielding 1.89%. I opened it about 10 years ago and was going to use it as my main checking account b...
by heartwood
Wed Aug 15, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1393

Re: Solutions for Printing from a Chromebook

Chromebooks are popular choice for Bogleheads, and I can see why. My wife and I each have one and love how easy the are to use. The only fly in the ointment is trying to print from the chromebook. We have a Brother multifuction machine (scanner, copier, fax, laser printer, etc.) as our printer. It'...
by heartwood
Mon Aug 13, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2612

Re: What's the reason you would buy reading glasses at...

Hello everyone: Information please......... I was reading some of your postings and I wonder......WHY would you buy reading glasses ? Is it for economical reasons? and then,how often do you replace them? As usual many thanks for your replies,parigi. My eye doctor at my annual exam writes me a Rx fo...
by heartwood
Fri Aug 10, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6406

Re: Vanguard Switch to Brokerage Accounts

cowdogman, re "2. Then I learned we can have checkwriting on only one fund, Prime Money Market." You should check that. As far as I know, in a brokerage account, checkwriting uses the settlement fund only, which is Federal MM fund. You can have a Prime MM fund but not as the settlement fund. If you...
by heartwood
Fri Aug 10, 2018 7:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6406

Re: Vanguard Switch to Brokerage Accounts

cowdogman, re "2. Then I learned we can have checkwriting on only one fund, Prime Money Market." You should check that. As far as I know, in a brokerage account, checkwriting uses the settlement fund only, which is Federal MM fund. You can have a Prime MM fund but not as the settlement fund. If you ...
by heartwood
Thu Aug 09, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 924
Views: 100359

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

Watched the first episode of Succession. We weren't sure as it started, and almost turned it off, but couldn't quite do it. That was our feeling through the entire episode. Now we aren't sure we want to bother with Episode 2. But... we aren't sure we *don't* want to watch Episode 2. Oddly torn. RM ...
by heartwood
Tue Aug 07, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard "Consolidate your accounts"?
Replies: 2
Views: 771

Re: Vanguard "Consolidate your accounts"?

What are the pros and cons? Just logged in to re-balance and got this message? "You have Vanguard mutual fund and brokerage accounts registered to the same owner(s). If you'd like to consolidate these accounts for a simpler investing experience, check the mutual fund account and we'll consolidate i...
by heartwood
Sat Aug 04, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014449

Re: What Book Are You Currently Reading? Part VI

On the recommendation of a good friend I've started the non-fiction Red Notice by Bill Browder. He's the grandson of the head of the Communist Party of the US in the 30s. Stanford MBA, with subsequent jobs with several Wall Street firms, mostly overseas. Eventually he's running the biggest hedge fun...