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heartwood

I'm 68 and live by myself. I am thinking of getting some wearable home medical alert system. Greatcall is the one I am currently thinking about, but there may be better systems available. Do you have one? What are your thoughts? Not the "best" perhaps, but you might consider google home minis or am...

heartwood

We have had a Vanguard Advantage Account for about 12 years but have never activated Bill Pay. Has anyone had experience with this feature? If so, is it simple to use? Does it work smoothly and accurately? It works the same as any other billpay. You set up the payee information:name, address, telep...

heartwood

Hi, Are there any tricks or ability to export credit card transactions for all of 2018 for chase credit cards? All I seem to get is the ability to view/export activity from the last 3-4 months. Year-end summaries aren't available yet for 2018 and if I recall may still be a while. Is the only option...

heartwood

Been a Flagship client for 19 years, though have never used Advantage. Works for me. Yes, Flagship, so no fees. It's our main checking account for many, many years. Receives pension, SS, etc into Federal MM. Pay all bills out of Advantage by billpay, free paper check , or direct debit. Lets me do m...

heartwood

My personal checking account is linked to my Vanguard account. It is depositing 3rd party checks that I prefer to mail in with the deposit slip. This is easier for me paperwork-wise than taking a photo of both sides off a check and using the mobile investment app. My deposit slips are not old - jus...

heartwood

Vanguard's Federal Money Market (VMFXX) has an 0.11% ER and has very competitive rates especially if you can take high State Tax rate deduction. Perhaps I don't understand your "especially if you can take high State Tax rate deduction." If I look at my 2017 1099 from Vanguard it shows all VMFXX div...

heartwood

Are your deposit tickets really old? I ran out a couple of years ago. They no longer print them on the bottom of my deposit confirmations, there's no way I can find to request them, and my rep says they no longer provide them. He says if I want to mail a check I should write a transmittal with direc...

heartwood

Back in 2014 Vanguard would supply you with 2nd day FedEx envelopes at their cost. They offered the 2nd day FedEx as an alternative to US mail. We used it a few times; even 2nd day FedEx can be a week for the money to show up in the account, then subject to their 10 day hold on new funds. We did thi...

heartwood

You'd feel right at home over at MMM if changing your remote battery seems a bit spendy. ??? https://www.google.com/search?rlz=1CAACAZ_enUS719US719&tbm=fin&ei=yz8lXOeRH6mf_QbtvqiIAg&q=mmm&oq=mmm&gs_l=finance-immersive.3..81l3.9663.10054.0.10588.5.5.0.0.0.0.125.286.2j1.3.0....0...1c.1.64.finance-imm...

heartwood

With pensions, SS, and RMD, our income from tax-exempt bond funds in taxable is pushing us into higher MAGI and therefor IRMAA brackets for Medicare B & D. Our 2019 SS benefits statement using our 2017 tax return has us $457 dollars from the next IRMAA bracket which would have added thousands a year...

heartwood

My experience is the warranty on a water heater, at least after the first year or two, only covers the tank, and only then for leakage or failure. We had a 5 yr old heater that would supply rusty water if we were away for a few days with no flow through. Two plumbers examined it looking for black ir...

heartwood

Many best of lists are coming out. Here's mine for albums I've enjoyed this year.

I'll start with three:

Brandi Carlile, By The Way, I Forgive You

Nathaniel Rateliff & The Night Sweats, Tearing at the Seams

Phosphorescent, C'est La Vie

heartwood

I prefer that, I recently went from 2 cards to 1.. and upped that single one. Simple is, Simple does.. and I have 1 ATM Card and 1 Debit Card... I'd prefer one card too, but have been without a card at least twice when fraudulent charges were made and the bank cancelled the card. Despite asking for...

heartwood

I get my SS payment at Vanguard on the 3rd Wednesday and can see it pending early that day.

Nothing pending in my account today.

Did you get yours? Any news stories or announcements?

heartwood

Desert wrote: ↑
Sun Dec 16, 2018 4:27 pm
There is a mobile app page on Vanguard's website.

I've had the android app for years. I never knew the iphone version had fingerprint and face recognition. I would welcome the additions.

heartwood

All of the sudden, my Gmail won't load in Chrome. my Google Calendar loads find. I cleared my cache and cookes and rebooted the computer. Still won't work. Loads find in Internet Explorer that I only use occasionally for when stuff doesn't work in Chrome. Any suggestions? Maybe try uninstalling the...

heartwood

Based on a NYT recommendation today, I watched S1.E1 of Corner Gas. Laugh out loud in parts, for me. YMMV. ‘Corner Gas’ When to watch: Now, on Amazon. “Corner Gas” is one of the most popular shows in Canadian history, a single-camera, low-concept comedy set in the small town of Dog River, Saskatchew...

heartwood

Just a heads-up on at least one card application from CApital One. I got a mailer for a Capital One Savor card. Spend $3000 over 3 months, get a $500 reward, with various cash back in several categories. Not really attractive except for the $500 teaser. Tried to activate online and was told it could...

heartwood

or if you've never subscribed, here's a 3 month trial of Premium for $0.99 total.

I used this in past years.

https://www.spotify.com/us/premium/?checkout=false

heartwood

FYI, there's a deal for Spotify Premium until year's end for new subscribers or who haven't had it recently.

$9.99 for 3 months

https://www.spotify.com/us/checkout/pre ... country=US

Try it?

heartwood

I've tried Spotify, Amazon and Google Play Music. If I were starting now I'd probably go Spotify since I like their curating better. I wasn't happy with Amazon and how its linkage to Echo/Alexa works; I returned my Echo. I use Google Play Music, in part because I uploaded a thousand or more CDs year...

heartwood

I just finished DD season 3 and I was looking forward to season 4 and then a week back I heard Netflix slashed DD too.. :( Anyway, I have started peaky blinders just now.. heard pretty good reviews of it and so far it looks good. I think I'll stick to it for now. Btw, Movies are way to crappy on UK...

heartwood

Here's a link to the Vanguard Q&As for mobile check deposit, note there's no date on the page so who knows its currency. https://personal.vanguard.com/us/help/FAQTechHelpMobileCheckInvestmentContent.jsp#2a Here's the key Q&A for me "Can I use mobile check investment to add money to my brokerage acco...

heartwood

Is Vanguard mobile check deposit working for everyone? I wanted to try it out but when I touch on the mobile check deposit option, it says to contact Vanguard. It works for me on android. You might try deleting the app and then reinstalling it to make sure you have the latest version. I do have pro...

heartwood

I just finished the 3rd book in the Red Sparrow series by Jason Matthews. https://www.amazon.com/Red-Sparrow-Novel-Trilogy/dp/1476706131 The first book was made into a movie with Jennifer Lawrence earlier this year. I haven't seen it. The books are easy reading, with much violence and many graphic s...

heartwood

I bought one code on ebay on Monday from a seller with 78 5-star ratings. It shipped same day to arrive Tuesday. I gave it until Friday. No USPS Priority Mail Express received as stated in billing. Logged a complaint with seller and received my $3 back. I find no more mini's advertised on ebay at lo...

heartwood

Thanks, I'll pass. I'm all for a deal but the Dr of Credit method isn't one I'd engage in.

heartwood

Also, if you are more of a Google person, you can get a Google Mini for $.99. And, too bad for those who missed the $1 Echo Dot the other day with a trial of Amazon Music. Do you have a link for the mini? All I see is $25 update: the spotify family plan offer? but that's $14.99/ month for at least ...

heartwood

I should ask : is your internet speed you pay for sufficient? What is the up/down rate you are paying for? It could be you have more devices connected to internet now? I am kind of in your situation. I see buffering while streaming more than one devices in home. I have gotten latest router/modem fr...

heartwood

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...

heartwood

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...

heartwood

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...

heartwood

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 ...

heartwood

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...

heartwood

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...

heartwood

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 ...

heartwood

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?

heartwood

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 ...

heartwood

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...

heartwood

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...

heartwood

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...

heartwood

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:...

heartwood

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.

heartwood

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...

heartwood

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, ...

heartwood

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...

heartwood

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...

heartwood

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 ...

heartwood

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...

heartwood

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...

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