Search found 1232 matches

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: 4166

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: 22
Views: 3087

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: 3290
Views: 995400

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: 825
Views: 89629

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: 22
Views: 3087

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: 463

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: 7290

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: 463

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: 2223

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: 2923

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: 2923

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: 3397

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: 1368

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: 2546

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: 5864

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: 5864

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: 825
Views: 89629

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: 755

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: 3290
Views: 995400

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: 2174

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: 1201

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: 1722

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: 3494

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: 180

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: 2445

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: 10411

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: 873

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: 895

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: 1430

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: 2912

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: 1430

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: 2912

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: 2174

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: 276

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: 434

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: 4367

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: 3290
Views: 995400

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: 3015

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: 5826

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: 4200

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: 4200

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: 4172

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: 1263

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: 3290
Views: 995400

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: 595

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: 1221

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: 595

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: 2855

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: 595

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: 534

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?