Search found 1155 matches

by heartwood
Wed Apr 25, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 59
Views: 3376

Re: [Vanguard account locked out due to deceased owner]

Isn't putting the will in the safe deposit box a known Catch 22? We keep ours in a safe deposit box. Two of our adult kids (one is the executor) are listed on the lock box signature card at the bank as having access. See my post a few or so above. My wife was a listed co-owner of the box, had her o...
by heartwood
Wed Apr 25, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 59
Views: 3376

Re: [Vanguard account locked out due to deceased owner]

I have heard that financial institutions freeze access to safe deposit boxes when the owner dies. I discussed this with my credit union as my brother and I are co-owners, we both have keys, and I want him to have access. They assured me he would. Maybe he will have to pony up papers anyway, no idea...
by heartwood
Sun Apr 15, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Options to a Bose Wave Radio
Replies: 26
Views: 5648

Re: Options to a Bose Wave Radio

My Bose Wave is at least 20 yrs old and sits on my nightstand. That said we also have a Google Home Mini in the room. No clock display to check the time, but all I need to say is Ok google, what's the time. I don't need to open my eyes or put on my glasses. I find the sound quality to be OK, and com...
by heartwood
Fri Apr 13, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Parking Business Cash - WHERE?
Replies: 21
Views: 2584

Re: Parking Business Cash - WHERE?

Vanguard Money Market Fund. In general Vanguard MM accounts are only available to retail investors (natural persons). So no account in a business or LLC name. See first sentence in last paragraph. https://advisors.vanguard.com/web/cf/fas-investmentproducts/0030/overview You are incorrect. Businesse...
by heartwood
Thu Apr 12, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Parking Business Cash - WHERE?
Replies: 21
Views: 2584

Re: Parking Business Cash - WHERE?

longleaf wrote:
Mon Mar 26, 2018 11:53 am
Vanguard Money Market Fund.
In general Vanguard MM accounts are only available to retail investors (natural persons). So no account in a business or LLC name.

See first sentence in last paragraph. https://advisors.vanguard.com/web/cf/fa ... 0/overview
by heartwood
Wed Apr 11, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Monetary gift in memory of deceased
Replies: 8
Views: 833

Re: Monetary gift in memory of deceased

We did this recently online. If you google "gift to "name" hospital in your state, you will probably get a link to the hospital foundation or similar. Our lets you use a credit card, select how the money will be used and also allows specifying "in memory" or "in honor" of with provision to enter the...
by heartwood
Sun Apr 08, 2018 10:01 am
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 14
Views: 1573

Re: Are my posts missing or being deleted?

I think the 2nd screen is what you see if you "submit" but someone has posted in the interim. You're given the chance to amend your post, or hit submit again. I've missed the notice more than once and my post was lost. As a result I've learned to pay a bit more attention and read the prompts. Hope t...
by heartwood
Fri Apr 06, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4416

Re: Tequila and Magaritas

Years ago we did some Spring skiing in Taos, NM. We had a few great margaritas with a NM Mexican dinner. After we got back I bought a good tequila, Cointreau and some limes. It wasn't even close to the taste we'd had or wanted. This was back when you paid for long distance calls (remember when?), bu...
by heartwood
Thu Mar 29, 2018 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Are Vanguard Yields Accurate On Yahoo Finance?
Replies: 3
Views: 347

Re: Are Vanguard Yields Accurate On Yahoo Finance?

See link

https://investor.vanguard.com/etf/list# ... nd-returns

I'm seeing SEC yields there and also when I click the individual ETFs
by heartwood
Wed Mar 28, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent. Experience anyone?
Replies: 27
Views: 1854

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

FWIW, very common overseas. Where I come from you would never buy a house (or any property) without hiring a conveyancing lawyer. It seems (mercifully?) paradoxical that lawyers in the most litigious country on the planet have not spread their tentacles into this area. It varies by state. In many s...
by heartwood
Sun Mar 25, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 5007

Re: Costco Kirkland Brand Liquor

If, on the other hand, you are trying to pass Costco's vodka as Grey Goose in a drink that is not designed to obliterate the taste of liquor, you are going to be sorely disappointed. As I've mentioned above, you do not even have to taste it to tell the difference, as Grey Goose has very little odor...
by heartwood
Sun Mar 25, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 5007

Re: Costco Kirkland Brand Liquor

Without reading all the details of the 49 posts, I would ask the question is Costco selling liquor within the confines of their store (which I know it does in some states) or is it being sold by a company other than Costco but in a store adjacent or attached to the Costco building as is the case in...
by heartwood
Sat Mar 24, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Light Switch Style and Why?
Replies: 12
Views: 1345

Re: Light Switch Style and Why?

No reason but I’d prefer the paddle. Have you considered Smart Swiches? I prefer the rocker. I strongly second considering smart switches. We've added some smart wall outlet switches controlled by our google home. Now I can control individual lights or a whole room by saying "ok google, turn on the...
by heartwood
Fri Mar 23, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3247

changing my signature when signing checks and credit card receipts

In trying to stop doing unnecessary things I started just doing a short squiggle when signing at credit card terminals since no one ever looks at what you sign. I've now progressed to a deteriorating signature if I sign an actual paper credit card receipt and will probably move to the squiggle soon....
by heartwood
Wed Mar 21, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Hawaii accomodations [Honolulu in Jan/Feb]
Replies: 4
Views: 476

Re: Hawaii accomodations [Honolulu in Jan/Feb]

Just some random thoughts: If you're not planning on a hotel, start looking for accomodations now. January/February/March are high season throughout the state with all the snowbirds coming from the US mainland, from Canada, and from Asia. Many of the month or several month people book next year when...
by heartwood
Fri Mar 16, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a quality will?
Replies: 17
Views: 1714

Re: Cost of a quality will?

My wife and I recently moved states (MD to OH) and are redoing our will to adhere to Ohio law as opposed to Maryland. We did our estate plans some ten years ago, shortly before retirement. We were unsure which state we'd wind up in. Our attorney wrote the documents to conform with the laws and prac...
by heartwood
Fri Mar 09, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Anonymous/Private LLC?
Replies: 2
Views: 350

Re: Anonymous/Private LLC?

I'd like to make investments via an LLC instead of as an individual and I'd like to prevent my identity from being associated with the LLC in any public records. My lawyer wants to do this by forming two LLCs, one which would serve as member of the other. Is there a better/simpler way to accomplish...
by heartwood
Tue Feb 27, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Costco - Executive vs. Gold Membership
Replies: 44
Views: 14055

Re: Costco - Executive vs. Gold Membership

So much depends upon your location and lifestyle. Late last year Costco added the 2% Executive Rebate to all travel booked through Costco Travel so our several months long car rentals get us rebates of about $20/ rental. I can't find a way to confirm what's in the rebate (they don't include a breako...
by heartwood
Sun Feb 25, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help - what's your Favorite muni fund and why?
Replies: 20
Views: 1680

Re: Help - what's your Favorite muni fund and why?

Have you tried the search function in the upper right?

So, so many threads on this topic recently, e.g.,

viewtopic.php?t=241132

But the search on "muni funds" or similar will return many threads exploring the many facets of what you might consider.
by heartwood
Tue Feb 20, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 3164

Re: condo rental and emotional support animals issues

... I think you are worrying quite a bit about a rare situation. I have a cat. The cat uses his litter box. He does not have fleas. OP here. Agreed that it may be a rare event. We haven't had it happen to us so far. It has happened to other unit owners in our complex and has been the subject of muc...
by heartwood
Sun Feb 18, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 3164

condo rental and emotional support animals issues

I'm not sure if this belongs under Personal Consumer Issues or some other heading. First I don't want to debate or even address the issue of emotional support animals. Next I do generally understand the difference between a service animal and an ESA. My question relates to the rental of our condo wh...
by heartwood
Fri Feb 16, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 3353

Re: Signed up for American Express - "Premium" car rental insurance

AMEX premium car insurance is good for up to 42 days on a single rental for the $19.99 fee (or 24.99 for high amounts). We used it for years. We had one claim that was well handled by AMEX despite lack of response from AVIS. AMEX handled it all. We did not interface with AVIS at all, beyond giving t...
by heartwood
Fri Feb 16, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Can I track a friend's trip on my Windows computer?
Replies: 12
Views: 1358

Re: Can I track a friend's trip on my Windows computer?

Not for Windows computer, but on smartphones we use xFi Locator. There's a free and a paid version. Free has better reviews. We've used it for several years.
by heartwood
Thu Feb 15, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2168

Re: Recommend me a good laser printer for a chromebook!

There is a nugget close to the end of this post related to "deep sleep" using Brother laser printers. Our less than a year old HP Envy 4520 at our condo went funky about two weeks ago. First it ran out of ink;we refilled at Costco. A week later it started printing all black pages and again ran out o...
by heartwood
Thu Feb 15, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Vanguard Deposit Question
Replies: 10
Views: 665

Re: Simple Vanguard Deposit Question

When I look at any of my mutual fund account 'current balances' page there is a 'Order investment slips' link in the upper right hand corner of the screen. Clicking on the link takes me to a page where I can order deposit slips for any of my accounts. I don't use a brokerage account so don't know h...
by heartwood
Wed Feb 14, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Short Term Tax Free Bond ETF
Replies: 9
Views: 877

Re: Short Term Tax Free Bond ETF

Vanguard Limited Term Muni (VMLUX) currently yields 1.66% and has pretty low volatility. This is the Admiral version so the regular version will be slightly less. But both are less than inflation so they are loosing money over time. Good Luck. The OP doesn't mention the time frame of the investment...
by heartwood
Wed Feb 14, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 7114

Re: PSA: Bank of America now charges $12/month for checking

I guess there's some new policy at BofA, I was hit with a $12 fee from my checking account. I was no longer using the account and only kept $300 in savings to avoid monthly fees. Now I was charged the $12 checking fee and a $12 fee for pulling money from the savings to cover the overdraft. And I'm ...
by heartwood
Mon Feb 12, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918572

Re: What Book Are You Currently Reading? Part VI

Thunderstruck By Erik Larson. How does that compare to The Devil in the White City , which I read and enjoyed? I find Larson a very uneven author. I enjoyed Devil in the White City. I thought I'd read Thunderstruck, but when I look at the synopsis I realize I have not. I'll put it on my list. I did...
by heartwood
Sat Feb 10, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 18
Views: 2552

Re: Wellington Fund: where is the special sauce?

TwstdSista wrote:
Sat Feb 10, 2018 6:47 am
0.70% ER?? No thank you.
Investor shares are listed as 0.25% ER.

Admiral shares are 0.16%
https://personal.vanguard.com/us/funds/ ... irect=true
by heartwood
Mon Feb 05, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 31747

Re: WSJ Digital Subscription - a bargain!

As of Feb 5, Presidents' Day special at WSJ. All access digital edition $1 for 2 months. https://store.wsj.com/v2/shop/wsjuspresday18v1?inttrackingCode=aaqq1f5y&icid=WSJ_ON_NA_ACQ_NA&n2IKsaD9=n2IKsaD9&Pg9aWOPT=Pg9aWOPT&Cp5dKJWb=Cp5dKJWb&APCc9OU1=APCc9OU1&cx_adcreative=00000001643b2f6d&cx_ad=00000001...
by heartwood
Sat Feb 03, 2018 12:32 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 8188

Re: Fewer acronyms please

I wonder if someone could create a capability in forum-software to hover over an acronym to display possible meanings from some sort of dictionary. Maybe the spell-check dictionary has some of these. I guess the dictionary should be capable of learning new acronyms. There was an extension for chrom...
by heartwood
Fri Feb 02, 2018 1:17 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 8188

Re: Fewer acronyms please

... IMHO (do you have a dishonest opinion? Isn't your post an opinion?) ... I've always used IMO. The implied use of humble is a little snarky to me. To the OP, yes, I have the same reaction to obscure acronyms but can usually live with them. However the use of only ticker symbols is more irksome t...
by heartwood
Thu Feb 01, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Muncipal Bond funds
Replies: 6
Views: 1146

Re: Muncipal Bond funds

I would like to invest in a municipal bond fund, can anyone recommend one? I'd like one that I could invest in for 10k to start. I am interested in the tax free advantages of a fund like this. I am looking at Fidelity's fund FTABX, it's returns have been 6.44 % over the past year. Once you buy into...
by heartwood
Fri Jan 26, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918572

Re: What Book Are You Currently Reading? Part VI

Just finished "The Force" by Don Winslow. Gripping page turner. Outstanding story of an elite New York City police detective and his partners. Police and political corruption intertwined in a magnificent plot. Highly recommended. Enjoy, Dave Any thing by Winslow is excellent. Often times depressing...
by heartwood
Thu Jan 25, 2018 10:25 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 120
Views: 20196

Re: Muni Money Market funds starting to look good!

What do people think about VWIUX? We are in a high tax bracket, so the tax-exempt payout is nice. I had to look it up for you: Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares You don't provide enough details of your use for the funds to comment beyond generalities. It's not a MM fund, so ...
by heartwood
Thu Jan 25, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Updating Wills and Trust
Replies: 4
Views: 472

Re: Updating Wills and Trust

Our estate plans are 11 years old. The attorney that prepared them sends courtesy annual updates on when we might need to make changes based on federal and state changes and contact information if we want to meet. Beyond that he recommends a 10 year review; we're a year late on that marker. I'd pay ...
by heartwood
Thu Jan 25, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 2762

Re: Bank signup bonus 1099

cashmoney wrote:
Thu Jan 25, 2018 6:44 pm



If you create an account on the IRS website you can view all the 1099s that were reported to the IRS as well as other information.I always check this because mistakes are made .For 2016 tax year I caught a mistake where the same 1099 was sent twice.
IRS website or EFTPS website?
by heartwood
Thu Jan 25, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 120
Views: 20196

Re: Muni Money Market funds starting to look good!

So the thread about the Prime Money Market fund made me take a quick look at the rates on some of the Municipal Money market funds and they are looking really good (for people in high tax brackets)! As of right now here are yields : Vanguard Municipal Money Market Fund (VMSXX) - 1.20% Vanguard New ...
by heartwood
Tue Jan 23, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918572

Re: What Book Are You Currently Reading? Part VI

I started My Absolute Darling by Gabriel Tallent. I chose it as "best seller." Here are the blurbs on Amazon: INSTANT NEW YORK TIMES BESTSELLER NBCC JOHN LEONARD PRIZE FINALIST ONE OF THE NEW YORK TIMES'S MOST NOTABLE BOOKS OF 2017 ONE OF THE WASHINGTON POST’S MOST NOTABLE BOOKS OF 2017 ONE OF NPR’S...
by heartwood
Sun Jan 21, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2870

Re: what is the best mouse poison?

Never a glue trap again. Caught a small squirrel with one in my attic. All glued up. Then what? I use this: https://www.amazon.com/Rat-Zapper-Classic-Trap-Disposal/dp/B002665ZTC/ref=sr_1_1_sspa?s=lawn-garden&ie=UTF8&qid=1516568883&sr=1-1-spons&keywords=rat+zapper&psc=1 A little peanut butter or a fe...
by heartwood
Fri Jan 19, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3088

Re: Telemarketing calls from my own prefix

I get the same types of calls described above, neighbor calls. I was using Mr. Number but that stopped working. I switched to HiYa, actually by the same company as Mr. Number. Seems OK so far. But I've got a wrinkle. I switched to Project Fi in November. say my number is 212-555-1212. At least a few...
by heartwood
Mon Jan 15, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 19837

Re: Are you finding any good values at Amazon anymore?

I’ve about had it with Amazon. My latest frustration involves a typical order placed Jan 6. Amazon shows today the order has not even been shipped yet (Jan 15 today) and an estimated delivery date of Jan 26. This is not unusual of late. We're Prime. I placed an order 12/29 for 3 items, all from Ama...
by heartwood
Mon Jan 15, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 3987

Re: E-reader for ebooks - Pros and Cons

I see the majority of posters to this thread prefer/recommend the PaperWhite. On 1/15/18 its $119.99. The similar sized Kindle is $79.99. https://www.amazon.com/Amazon-Kindle-eReader-6-Inch-Touchscreen/dp/B00ZV9PXP2/ref=pd_ybh_a_1?_encoding=UTF8&psc=1&refRID=WJSDZ67ST9YH3GNVKCTG The middle of that p...
by heartwood
Sun Jan 14, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1554

Re: Anyone Gone All the Way with LastPass?

Pretty much all in except for Vanguard. Without looking it up, I recall that Vanguard's fraud immunization policy has language that says you might have to demonstrate that you haven't saved your logon details anywhere online? Just did take a quick look and can't find it. Anyone? edit: OK, here: http...
by heartwood
Sat Jan 13, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918572

Re: What Book Are You Currently Reading? Part VI

Robert Crais's "The Wanted". It's an Elvis Cole, Joe Pike novel, with many comments on Cole's cat. Among the best story I've read recently. I posted a few days ago that I started Provenance by Ann Leckie. I slogged through 70+ percent of it and gave up for now. That far in and I'm not sure what the ...
by heartwood
Fri Jan 12, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: First time Medicare question
Replies: 18
Views: 1077

Re: First time Medicare question

The $183 is conspicuously the same as the Part B deductible. If you have Plan F, the gap insurance may cover it. If you have G it is probably on you. +1 https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html I'm intrigued by the discussion. My doctor only accepts medica...
by heartwood
Tue Jan 09, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4344

Re: Men's no iron dress shirt recommendations

Brooks Brothers, but be aware that shirts from the store are a better quality than some of those online and certainly those at BB outlets. Sizing is different as well, especially regarding sleeve lengths. I've had good results from Costco but their color selection has been horrible for the last coup...
by heartwood
Mon Jan 08, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918572

Re: What Book Are You Currently Reading? Part VI

I finished The Safe Man by Michael Connelly. Its a short story he wrote several years ago. I wouldn't recognize the writing from the Bosch books. A quick read. My ebook showed I was half way when it ended. The rest of the file was a teaser for one of the older Bosch books. Worth an hour of your time...
by heartwood
Sat Jan 06, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard: No more buy/sell transactions in writing?
Replies: 31
Views: 2653

Re: Vanguard: No more buy/sell transactions in writing?

All financial institutions are moving toward all-electronic processes. For example, my credit union now actively discourages depositing checks by mail. Instead they want customers to use their smartphone app to photograph the check and deposit it electronically. Vanguard is no different. They're gr...
by heartwood
Fri Jan 05, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard: No more buy/sell transactions in writing?
Replies: 31
Views: 2653

Re: Vanguard: No more buy/sell transactions in writing?

This can't possibly mean what it seems to say. If so, how would one mail in a check. Without a letter of instruction or investment form, how would Vanguard know what to do with the check? Seems crazy!!!! plannerman I have the same question. I asked my rep a few weeks ago for some transaction slips....