Search found 1208 matches

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: 2247

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: 9608

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: 821

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: 840

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: 10
Views: 942

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: 2783

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: 10
Views: 942

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: 2783

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: 18
Views: 1525

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: 245

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: 343

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: 3959

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.
by heartwood
Tue Jul 03, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3131
Views: 957392

Re: What Book Are You Currently Reading? Part VI

I'm about a quarter way into The Outsider by Stephen King. A horrific murder and conflicting investigation novel. I'm unable to describe it further w/o spoilers. I recommend it as I do most of King's books. I've also started the non-fiction Broken Trust by Samuel P. King and Randall W. Roe. Broken T...
by heartwood
Tue Jul 03, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if your Vanguard account has been hacked.
Replies: 21
Views: 2811

Re: What happens if your Vanguard account has been hacked.

Here's Vanguard's policy statement.

https://personal.vanguard.com/us/help/S ... ontent.jsp

I'd note that among many other items it requires "Never store your user name, password, or answers to security questions in your browser."
by heartwood
Tue Jul 03, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5398

Re: Rodents ate my car!

Several years ago chipmunks ate the wiring in my neighbor's garaged Mercedes. I recall a couple of thousand dollars worth of damage, perhaps over a couple of days. Around the same time our air conditioner stopped cooling. The HVAC tech opened the condenser housing, came to get us to show us the dead...
by heartwood
Sat Jun 30, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 3865

Re: hybrid or plug-in electric car

Will the battery last? A few years ago I thought the battery life was +/- 5 years and represented a significant replacement cost. Has this changed? Not accurate :thumbsdown Note the 2017 reference below my sentence that you quote. Looks like it's now 8 years or so? Surely doesn't look like the 20 y...
by heartwood
Sat Jun 30, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 3865

Re: hybrid or plug-in electric car

I drive about 5200 miles per year, generally no more than 20 miles per day, and avoiding highways nearly all the time. For climate change reasons, trying to decide whether to buy a new plug-in, and possibly put some solar panels on my roof to make it a solar car, or go with a hybrid. I like the ide...
by heartwood
Thu Jun 28, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3854

Re: Best way to clean eyeglasses?

Dish detergent and a microfiber cloth that is intended specifically for use with optical lenses. Avoid using paper towels or dirty cloths that might scratch because of wood or textile fibers or particles. +1 although I just use a soft cloth. We like Dawn but Palmolive's also good. This works so muc...
by heartwood
Thu Jun 28, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1183

Re: Vanguard's Investment Research

Bogleheads - Vanguard publishes a lot of investment research such that it is hard to keep up with it all. Do you read all the research reports that they publish? In addition, do you save them electronically for future reference? Would you suggest how to find the reports? I searched their site for r...
by heartwood
Tue Jun 26, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3131
Views: 957392

Re: What Book Are You Currently Reading? Part VI

Starting The President is Missing by Bill Clinton and James Patterson. I'm just finishing it. It's a very good read. Scary if you dwell upon the premise behind the action. There are several tedious multi-paragraph expositions of political machinations that, IMO, add nothing to the story, but are ea...
by heartwood
Sun Jun 24, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Wanted: Trust theory and administration book recommendation
Replies: 6
Views: 566

Re: Wanted: Trust theory and administration book recommendation

... Beyond annual premiums on a 2nd to die policy owned by the trust, there have been no distributions until this year. That will probably change as the beneficiary's family situation changes. ... Do you need an insurance trust? Are you rich enough to pay estate taxes but poor enough to need life i...
by heartwood
Sun Jun 24, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Mobile deposit of Rollover Check
Replies: 15
Views: 1136

Re: Mobile deposit of Rollover Check

I am about to do a mega backdoor roth rollover for the first time, and it looks like to deposit the checks I receive from my 401k admin in my Schwab accounts, I have to go to the local branch or mail them in: the mobile check deposit in the Schwab app seems to want to treat it as a contribution, wh...
by heartwood
Sun Jun 24, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Wanted: Trust theory and administration book recommendation
Replies: 6
Views: 566

Re: Wanted: Trust theory and administration book recommendation

Thank you for your comments and suggestions. I'll take a look at your article. The trust investments are currently low turn-over index funds as you suggest to minimize capital gains distributions. As grantors we are paying the taxes on the trust income and gains. While perhaps it is hard to write a ...
by heartwood
Sun Jun 24, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2737

Re: Cheap simple tablets?

Samsung Tab A 8in. Indestructible, easy to use and it is wife approved (she can figure it out)! https://www.amazon.com/Samsung-Galaxy-Tablet-Titanium-SM-T350NZAAXAR/dp/B00V49LL90/ref=sr_1_6?ie=UTF8&qid=1529804083&sr=8-6&keywords=samsung+tablet The amazon fires are fine but bogged down with bloatwar...
by heartwood
Sun Jun 24, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Wanted: Trust theory and administration book recommendation
Replies: 6
Views: 566

Wanted: Trust theory and administration book recommendation

Can you recommend a book or similar that provides an overview of trusts? We’ve had a irrevocable trust for several years. I’m looking for general guidance on how to think about trust investments, how to manage the trust to minimize capital gains when making distributions, how much to keep in cash-li...
by heartwood
Sat Jun 23, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Vanguard brokerage account "corporate actions" tab
Replies: 4
Views: 512

Re: Vanguard brokerage account "corporate actions" tab

stlutz wrote:
Sat Jun 23, 2018 8:30 am
If you owned individual stocks, you would get things that show up here periodically.
That makes sense. I have no individual stocks. Anyone with individual stock holdings seeing items?
by heartwood
Sat Jun 23, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Vanguard brokerage account "corporate actions" tab
Replies: 4
Views: 512

Vanguard brokerage account "corporate actions" tab

I looked at my brokerage accounts on the Balances and Holdings page, and noticed a tab for Corporate Actions. Is this new? (on my IRA account part of the title is obscured and only shows "Corp"). I clicked and was presented with a Voluntary Corporate Actions page with more tabs. I checked each and m...
by heartwood
Sat Jun 23, 2018 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Primecap investing
Replies: 2
Views: 502

Re: Primecap investing

As we all know, investing in Vanguard’s Primecap fund is closed to new investors except for those in the Flagship category. While I am a strong believer in indexing, I occasionally like to take “hobby” positions in other funds. Has anyone at the Flagship level ever actually tried to buy these funds...
by heartwood
Sun Jun 17, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: suggestions on which state to hire a mover: start or end?
Replies: 3
Views: 516

suggestions on which state to hire a mover: start or end?

We're doing an interstate move in a few months time. Does it make a difference whether you hire a mover from the state you're leaving or from the state you're moving to? We're leaving a downtown city apartment to move to a suburban townhouse. Perhaps its better to have a mover familiar with a city p...
by heartwood
Sat Jun 16, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited jewelry & diamonds--how to value & how to sell?
Replies: 5
Views: 1202

Re: Inherited jewelry & diamonds--how to value & how to sell?

It sounds like you have many pieces. I would recommend a jeweler, in fact a few and compare offers. A few years ago I sold many coins. Most worth only the silver content. I would recommend you only have one piece at a time on the velvet pad or agree on a count, and don't let things out of your sight...
by heartwood
Mon Jun 11, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: safe alternative to Google Desktop Search? Or best day to day filing app.
Replies: 1
Views: 222

safe alternative to Google Desktop Search? Or best day to day filing app.

I think I'm pretty organized. I use several storage products (OneDrive, Drive, Keep, Pocket and some others). I especially like how easy it is to find something given the search abilities of each. But what if you haven't stored or filed an item? I used Google Desktop search in the past. It could fin...
by heartwood
Mon Jun 11, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Can we discuss whisk?
Replies: 29
Views: 3021

Re: Can we discuss whisks?

I have this Rosle balloon whisk and recommend it. It is amazingly more effective than the old one it replaced. Pricey, but worth it to me. I also have a couple of flat whisks. They're very effective at getting in the corners of saucepans when there isn't a lot of liquid volume. One is like this Ros...
by heartwood
Fri Jun 08, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: To remove coffee tea stain from mug, use QxyClean
Replies: 9
Views: 1020

Re: To remove coffee tea stain from mug, use QxyClean

Thanks dratkinson. After your post I tried Oxi Clean multi surface formula overnight on a glass wine carafe with a red tinge from many years of use. We'd tried a bottle brush and Dawn, and then bleach in water. Online they recommend ice cubes in water and swirling. All were an improvement but still ...
by heartwood
Wed Jun 06, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78253

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

Killing Eve on BBC America. Stars Sandra Oh from Gray's Anatomy as a Brit spy. It is based on the Villanelle novels by Luke Jennings. Villanelle (pun?) is played by Jodie Comer. Season 1 just ended. Season 2 has been ordered. Lots of violence, bad language, and surprises. I'm sticking it out with Se...
by heartwood
Sun Jun 03, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Men's Health on Medicare
Replies: 19
Views: 1899

Re: Men's Health on Medicare

If the Wellness visits do not cover blood work, BP, and PSA what do they cover? Although I can't find it now I thought I read in Medicare and You booklet that blood work was covered every five years. How does that work for people with high cholesterol and known heart disease? Again, it must be in t...
by heartwood
Sun Jun 03, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2601

Re: Enterprise vs Avis

We make regular use (1-2X/month) of car rentals, and are in a rural area. It is a 20-minute drive to the airport, a bit less to Enterprise. The tipping factor is that Enterprise will pick my wife up and bring her home saving me the drive. If a search on Costco yields a much lower price at the airpo...
by heartwood
Sun Jun 03, 2018 5:44 am
Forum: Personal Consumer Issues
Topic: Men's Health on Medicare
Replies: 19
Views: 1899

Re: Men's Health on Medicare

I go to a urologist once a year. He does both tests. My PCP does PSA as part of my annual lab work and exam. I then go to a urologist once a year who reviews the PSA result and the general labs and does a DRE and other items such as checking for hernia. Both doctors participate with Medicare which ...
by heartwood
Fri Jun 01, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3131
Views: 957392

Re: What Book Are You Currently Reading? Part VI

I Heard a Romantic Story by Lee Child. It's a short story, actually described by the editor as "One paragraph, one story, one voice by Lee Child. Enough said." Luckily I borrowed it as an ebook from the library. No Jack Reacher, $1.99 if you pay for it, seven and a half pages (one paragraph) of a st...
by heartwood
Wed May 30, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2601

Re: Enterprise vs Avis

How does Avis stay in business or am I missing something? Looking to do a 2 week car rental and as an example: Enterprise is $650 and Avis is $1650. Both are of equal selections AFAIK. On that note, which car rental company do you prefer? I've used Enterprise a few times, overall pretty good minus ...
by heartwood
Sun May 27, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 44
Views: 2640

Re: Considering iPad to replace failing Nexus tablet

I too have a nexus 9 and have similar issues with freezing, etc. However before switching from android, consider this Samsung tablet at Costco. https://www.costco.com/Samsung-Galaxy-Tab-A-Wi-Fi-Tablet---Octa-Core---Android-Marshmallow---Black---Includes-32GB-MicroSD-Card.product.100303758.html?langI...
by heartwood
Wed May 23, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 43
Views: 4818

Re: $500 Windows Laptop

Thoughts on this? https://m.costco.com/.product.100321190.html?EMID=B2C_2018_0523_MVM First, you realize this is a Chromebook not a Windows laptop as noted in the thread title? It will not run Windows or Windows programs except the in-the-cloud versions of Excel, Word, etc. I still use those, but a...
by heartwood
Wed May 23, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: anyway to get running transaction balance at Vanguard?
Replies: 2
Views: 445

anyway to get running transaction balance at Vanguard?

Short question: Anyway to view running transactional balances on a Vanguard fun? The Longer version, if interested: Yesterday, maybe 5 AM, I signed onto my Vanguard summary page. At the bottom it showed a couple of transactions that had posted across several accounts. I next checked the account summ...
by heartwood
Wed May 23, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1891

Re: Babymoon - Hawaii Recommendations/Expected Costs

I have only been to Hawaii once, and then only to Kauai, which I loved. It was exactly what I wanted, very relaxing and laid back. Flew nonstop from LA to Lihue. But 3-4 nights would not have been enough. Unless I lived on the West Coast and could get a nonstop flight, I wouldn’t do it for such a s...
by heartwood
Wed May 16, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12697

how do you tip on wine at a restaurant

I guess this is another tipping thread. I've read most of them here, but wish to focus somewhat more on bottles of wine in restaurants. At any restaurant that has a wine list, but its all done by the waiter, I generally tip 10% of the wine list bottle price at most, offset by 20% on the food portion...
by heartwood
Wed May 09, 2018 4:39 am
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 1676

Re: Rental Cars:National, Budget, Alamo or Thrifty

We use Costco Travel and take whichever company is least expensive at the time. They book Avis, Budget, Alamo and Enterprise. For our locations they're all okay with a slight edge to Enterprise. Even on Costco the price can vary by several or many hundred dollars for a month's rental.
by heartwood
Tue May 08, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2551

Re: Recommendation For Shirts

My order of preference: Brooks Brothers from the store. One size arm lengths are available. Brooks Brothers from their outlets. The sizing is different as well as the quality. One size arm lengths are not available last time I bought. But lower cost than the store. Costco Kirkland brand at about $18...
by heartwood
Sun May 06, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 146
Views: 11044

Re: What non fiction book will you be reading in 2018?

John McCain and Mark Salter: The Restless Wave: Good Times, Just Causes, Great Fights, and Other Appreciations

https://www.amazon.com/Restless-Wave-Ca ... tless+Wave
by heartwood
Wed May 02, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4424

Re: Ally asking CURRENT customer to provide SSN card?

I doubt I could find my card in 24 hours. I’ve gotten by on current passport and Driver License for a long time. You should look for it and get a replacement if you cannot find it. When my state implemented the enhanced ID for a drivers license one of the requirements for the first time you got it ...
by heartwood
Mon Apr 30, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Question [Gift Tax]
Replies: 30
Views: 1792

Re: Gift Question

I share the amusement about the concern so many have about the gift tax. I’m sure it stems from the days when the annual exclusion was $3,000 and the lifetime exemption was $60,000. Many more people were subject to the estate and gift tax. My father died in 1976 with an estate of about $150,000 lef...
by heartwood
Mon Apr 30, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Gift Question [Gift Tax]
Replies: 30
Views: 1792

Re: Gift Question

BTW even if you give more than 15k to an individual, you don’t pay gift tax. This amount over 15K reduces your estate amount which can be passed estate tax free to heirs. Current limit of estate is 11 million per person. For a couple this limit is 22 million. So most folks can give any amount to an...