Search found 1292 matches

by heartwood
Mon Jan 21, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Best home medical alert systems
Replies: 10
Views: 458

Re: Best home medical alert systems

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...
by heartwood
Fri Jan 18, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Advantage Account - Bill Pay
Replies: 4
Views: 392

Re: Vanguard Advantage Account - Bill Pay

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...
by heartwood
Sat Jan 05, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Cards - Transaction Activity
Replies: 15
Views: 1584

Re: Chase Credit Cards - Transaction Activity

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...
by heartwood
Fri Jan 04, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Anybody use Vanguard Advantage do you need 1 million to avoid fees?
Replies: 23
Views: 3049

Re: Anybody use Vanguard Advantage do you need 1 million to avoid fees?

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...
by heartwood
Fri Jan 04, 2019 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes
Replies: 17
Views: 1298

Re: Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes

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...
by heartwood
Thu Jan 03, 2019 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Money market funds
Replies: 16
Views: 1725

Re: Money market funds

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...
by heartwood
Thu Jan 03, 2019 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes
Replies: 17
Views: 1298

Re: Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes

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...
by heartwood
Sat Dec 29, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Sending check by FED EX to Vanguard
Replies: 16
Views: 1419

Re: Sending check by FED EX to Vanguard

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...
by heartwood
Thu Dec 27, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9318

Re: What common everyday inconvenience have you intentionally suffered for frugality?

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...
by heartwood
Tue Dec 25, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to think about taxable account;MAGI, IRMAA, AMT?
Replies: 3
Views: 371

How to think about taxable account;MAGI, IRMAA, AMT?

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...
by heartwood
Wed Dec 19, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Dealing with Plumber (Water Heater)
Replies: 22
Views: 2392

Re: Dealing with Plumber (Water Heater)

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...
by heartwood
Wed Dec 19, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 2548

Best Albums of 2018

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
by heartwood
Wed Dec 19, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Does carrying a credit card with a very high limit bother you? Say you have credit card for 50k but never spend more
Replies: 71
Views: 3405

Re: Does carrying a credit card with a very high limit bother you? Say you have credit card for 50k but never spend mor

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...
by heartwood
Wed Dec 19, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Dec 19 - did you get your SS payment at Vanguard?
Replies: 1
Views: 309

Dec 19 - did you get your SS payment at Vanguard?

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?
by heartwood
Mon Dec 17, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Beta Vanguard APP
Replies: 38
Views: 2659

Re: Beta Vanguard APP

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.
by heartwood
Mon Dec 17, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Gmail Won't Load in Chrome
Replies: 7
Views: 730

Re: Gmail Won't Load in Chrome

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...
by heartwood
Fri Dec 14, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110538

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

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...
by heartwood
Tue Dec 11, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3181
Views: 617522

Re: What's Your Credit Card Rewards Strategy?

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...
by heartwood
Sat Dec 08, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3212

Re: Spotify or Amazon Music?

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
by heartwood
Sat Dec 08, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3212

Re: Spotify or Amazon Music?

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?
by heartwood
Sat Dec 08, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3212

Re: Spotify or Amazon Music?

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...
by heartwood
Thu Dec 06, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110538

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

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...
by heartwood
Wed Dec 05, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 13
Views: 2104

Re: Vanguard mobile check deposit

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...
by heartwood
Wed Dec 05, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 13
Views: 2104

Re: Vanguard mobile check deposit

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...
by heartwood
Sat Nov 24, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034609

Re: What Book Are You Currently Reading? Part VI

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...
by heartwood
Sat Nov 24, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Buying Google Home Minis on Ebays
Replies: 14
Views: 1348

Re: Buying Google Home Minis on Ebays

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...
by heartwood
Mon Nov 19, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: If you have an Amazon Echo and want another one...
Replies: 5
Views: 888

Re: If you have an Amazon Echo and want another one...

Thanks, I'll pass. I'm all for a deal but the Dr of Credit method isn't one I'd engage in.
by heartwood
Mon Nov 19, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: If you have an Amazon Echo and want another one...
Replies: 5
Views: 888

Re: If you have an Amazon Echo and want another one...

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 ...
by heartwood
Thu Nov 15, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 2005

Re: Mesh versus Range extender

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...
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: 1057

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: 1057

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: 1034
Views: 110538

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: 2858

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: 1817

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: 1207

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: 2518

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: 3526
Views: 1034609

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: 5247

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: 1500

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: 2616

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: 1500

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: 1500

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: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 94
Views: 11571

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: 2616

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: 1034
Views: 110538

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: 3526
Views: 1034609

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: 1441

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: 186
Views: 43900

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: 1051

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: 542

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...