Search found 1246 matches

by heartwood
Wed Oct 17, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 27
Views: 903

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: 154
Views: 35835

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: 983

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
Replies: 3
Views: 311

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: 983

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
Replies: 3
Views: 311

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: 44
Views: 2834

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: 44
Views: 2834

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: 1480

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: 1342

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: 869
Views: 94692

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: 1342

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: 3333
Views: 1003360

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: 1417

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: 4377

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: 23
Views: 3437

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: 3333
Views: 1003360

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: 869
Views: 94692

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: 23
Views: 3437

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: 490

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: 7330

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: 490

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: 2260

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: 2951

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: 2951

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: 3472

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: 1379

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: 2578

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: 6094

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: 6094

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: 869
Views: 94692

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: 761

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: 3333
Views: 1003360

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...
by heartwood
Wed Aug 01, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 21
Views: 2199

Re: Avocado oil --recommendations?

I never heard of avocado oil before this thread. I bought a bottle at Costco this afternoon after some online research It's a liter bottle of Chosen Foods brand for $9.99 in the warehouse. A supermarket I checked before Costco was $9.99 for 500 ml same brand. So Costco is a bargain if you like it. ...
by heartwood
Mon Jul 30, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Transunion Credit Lock or Freeze? Credit Report Hell!
Replies: 9
Views: 1212

Transunion Credit Lock or Freeze? Credit Report Hell!

There are several threads on this topic from September of last year, but I see no recent information. I currently have a freeze on my Transunion report as well as Equifax and Experian. I tried to temporarily lift it and found that I could not do it online, apparently because I have a freeze and not ...
by heartwood
Sun Jul 29, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to park a large amount of cash for a year
Replies: 13
Views: 1730

Re: Best place to park a large amount of cash for a year

Hello - I have a significant amount of cash that I will need to close in less than a year on a condo which is in construction. We set up a revocable trust and are in the process of transferring all assets to the trust -- We currently have the funds at Goldman Sachs bank, but they will not allow a t...
by heartwood
Wed Jul 25, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Invest in guaranteed return or stock market?
Replies: 73
Views: 3518

Re: Invest in guaranteed return or stock market?

Who wants to rip you off by telling you that? Even the US government does not guarantee 4%. Let's just assume that the 4% is indeed guaranteed. If its a private product pushed by an advisor, you might read https://www.wsj.com/articles/private-pension-product-sold-by-felon-wipes-investors-out-153233...
by heartwood
Mon Jul 23, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: How to deal with transfer fees?
Replies: 2
Views: 184

Re: How to deal with transfer fees?

Hello, I am a newbie on investing. I have a Vanguard brokerage account and a BOA account. Every month I would transfer some cash from my BOA account to the Vanguard account. But it usually would incur some transfer fees. For those of you who transfer regularly between two accounts, how do you handl...
by heartwood
Fri Jul 20, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Update Libby library app (My library is switching to Cloud Library from Overdrive: no more kindle!)
Replies: 10
Views: 2525

Re: Update Libby library app (My library is switching to Cloud Library from Overdrive: no more kindle!)

An update to my thread of over a year ago. I've edited the title. My library dumped Cloud Library and went back to Overdrive about a month or so ago. Hooray! I just got a loan of the new Daniel Silva book, The Other Woman. I went to download it to my kindle (and kindle apps) and found that it's onl...
by heartwood
Tue Jul 17, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10455

Re: Amazon Prime Day 2018

FWIW, I didn't see much that interested me. I did buy a couple of Amazon Dots for additional coverage in our casa. That's it, though. BTW, if you have a reader, Prime members can download all six "early reads", instead of the normal offer of one out of six. So I have more eBooks to read. These free...
by heartwood
Mon Jul 16, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Anyone use a heart rate monitor for swimming???
Replies: 7
Views: 900

Re: Anyone use a heart rate monitor for swimming???

I use my Apple Watch for swimming laps as we’ll as for outdoor bicycle rides and ot works quite well for both. It monitors heart rate and provides other related statistics like calories burnt, number of laps, distance, route map for bicycle rides, speed, heart rate recovery trend etc.. I recently s...
by heartwood
Mon Jul 16, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Google Sheets has an easy to use Budget worksheets - tip
Replies: 4
Views: 912

Re: Google Sheets has an easy to use Budget worksheets - tip

I'm a big fan of the various Google Drive products such as Sheets since they're so seamless from my Chrome browser. But, in the guise of a PSA, there are also free online versions of Excel, Word and other Office products. You need a MS OneDrive account, also free. Its all in the cloud. The programs ...
by heartwood
Sun Jul 15, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: FedEx / UPS Vacation Hold?
Replies: 12
Views: 1608

Re: FedEx / UPS Vacation Hold?

Of course I have had my mail held from the post office all my life and it's a normal thing that seems to have always worked, but I have actually never heard of anyone who has ever used this for UPS/Fedex. And it seems like a big deal, because you are asking them to perform a storage function for wh...
by heartwood
Sat Jul 14, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2932

Re: Someone is using my cellphone number

Many stories about people using (XXX)-234-5789, better known as Beachwood 4-5789 by the Marvelettes.
by heartwood
Sat Jul 14, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: FedEx / UPS Vacation Hold?
Replies: 12
Views: 1608

Re: FedEx / UPS Vacation Hold?

We've used USPS hold service regularly and find it works with glitches. So much depends upon the individual PO and especially the individual letter carrier. No experience with FedEx even though we have an account with them and get notices when packages are shipped/due. I'm interested in hearing more...
by heartwood
Sat Jul 14, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2932

Re: Someone is using my cellphone number

It's likely someone gave the wrong cell phone number when they ordered at best buy. I wouldn't be too worried about. If you don't shop best buy, feel free to block the number. I also wouldn't be upset at best buy for not being able to remove your phone number. Would you want to be customer to a bus...
by heartwood
Tue Jul 10, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 21
Views: 2199

Re: Avocado oil --recommendations?

We buy from Costco. Quality was fine, at less than half the price of our local grocery store (Kroger). I never heard of avocado oil before this thread. I bought a bottle at Costco this afternoon after some online research It's a liter bottle of Chosen Foods brand for $9.99 in the warehouse. A super...
by heartwood
Sun Jul 08, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Quality/speed of Xfinity Mobile hotspots
Replies: 3
Views: 286

Re: Quality/speed of Xfinity Mobile hotspots

I have no experience with Xfinity Mobile itself. I use Project Fi which uses available wifi; if that's not available, it connects to Sprint, T-Mobile, or U.S. Cellular for service. I've had good experiences with xfinity hotspots. I find them in unexpected places, many in other states. My phone will ...
by heartwood
Sat Jul 07, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: No minimum for VTMSX in an IRA??? [Vanguard Tax-Managed Small Cap]
Replies: 3
Views: 464

Re: No minimum for VTMSX in an IRA??? [Vanguard Tax-Managed Small Cap]

For those not familiar, VTMSX is vanguard’s tax managed small cap admiral fund, which tracks the S&P 600 index. I invest in this fund in my taxable account. I was looking at my rebalancing options, and I happened to notice that vanguard does not list a minimum for IRAs for this fund: https://invest...
by heartwood
Wed Jul 04, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4433

Re: Monthly Water Usage

You might google it, but the rule of thumb is 80 to 100 gal/day per person, excluding lawn watering, etc. So your 7000 gal/month is on the low side, under the average, at about 60 gpd/person.