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Re: Taxes on cash back credit card?

This article makes a somewhat different distinction than mudpuppy. http://www.bankrate.com/finance/credit-cards/credit-card-rewards-count-taxable-income.aspx I could very well be wrong on the distinction. After all, I am just a random person on the Internet, not a tax professional. But then so is t...
by Mudpuppy
Sun Mar 01, 2015 3:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes on cash back credit card?
Replies: 5
Views: 718

Re: Taxes on cash back credit card?

In general, consider cash back credit cards as being more akin to coupons or rebates, which are not taxable income since they are tied to specific purchases. Sign-up bonuses however are typically taxable income, even if they are tied to a spending target (e.g. "get $100 back when you spend $500...
by Mudpuppy
Sun Mar 01, 2015 2:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes on cash back credit card?
Replies: 5
Views: 718

Re: Favorite chocolate candy

I overdid it on See's candies as a child. They had multiple locations in the town I grew up in, including one by my childhood home. My personal go-to for day-to-day chocolate right now is a variety of Trader Joe's dark chocolate items. I usually get the dark chocolate covered raisins or the small th...
by Mudpuppy
Sun Mar 01, 2015 1:25 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 37
Views: 1983

Re: How does one increase their typing speed and accuracy?

(no peeking - teacher used to hold a piece of paper above our hands), I find the discussions about shielding the keyboard from sight interesting. When I took typing in high school the keys on the typewriters were blank. (Does that mean I am showing my age?) Does anyone make a computer keyboard with...
by Mudpuppy
Fri Feb 27, 2015 9:30 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 58
Views: 2234

Re: How does one increase their typing speed and accuracy?

My personal method for learning touch typing was playing a lot text-based action/adventure games. There's nothing like needing to keep your eyes on the screen to keep your character alive while fighting a pit of monsters to really hone the touch typing skills. The game score and progressing in game ...
by Mudpuppy
Fri Feb 27, 2015 2:03 am
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 58
Views: 2234

Re: Swamp Coolers/ Adobe Heating Santa Fe

I don't know about Santa Fe or adobe houses in particular, but I did grow up in a house cooled by a swamp cooler and I helped my dad out with maintaining it. A swamp cooler runs on far less electricity since it just has to power a water pump and blower. There's also the water costs, which may not be...
by Mudpuppy
Wed Feb 25, 2015 12:29 am
 
Forum: Personal Consumer Issues
Topic: Swamp Coolers/ Adobe Heating Santa Fe
Replies: 2
Views: 287

Re: Problems with Internet Explorer

It boggles my mind that folks still use Internet explorer, I find it to be total garbage. There was one vendor webpage at work that was not loading on Firefox or Safari. The "official fix" from the vendor was "use IE". I attracted a wee bit of attention from the next level of ma...
by Mudpuppy
Mon Feb 23, 2015 2:55 am
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1585

Re: Giving guests free WiFI @ short-term rental = get sued?

Haven't read through the replies, but from a purely technical perspective, there are oodles of programs out there which require a person to click through a webpage before being allowed to use the WiFi access point. The webpage could require them to enter their name/access code for the rental/etc. to...
by Mudpuppy
Mon Feb 23, 2015 2:34 am
 
Forum: Personal Consumer Issues
Topic: Giving guests free WiFI @ short-term rental = get sued?
Replies: 32
Views: 3664

Re: question on doing forum search

Different domain names should have different security certificates. However, it looks like the web server is serving up the bogleheads.org security certificate even when you request diehards.org. Simple solution is just to stick to bogleheads.org, as that is the "current" domain name and d...
by Mudpuppy
Mon Feb 23, 2015 2:08 am
 
Forum: Forum Issues and Administration
Topic: question on doing forum search
Replies: 2
Views: 298

Re: Landlord asking for more money at Move Out than Security

I had a similar situation in the past, where the on-site manager sent a rather large bill and claimed she would send it to collections if I did not pay. I knew her claim had no merit (the only damage to the unit was caused by the roofing company, and I had documented their damage and their pitiful a...
by Mudpuppy
Tue Feb 17, 2015 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Landlord asking for more money at Move Out than Security Dep
Replies: 20
Views: 1832

Re: Genealogy

On one side of the family, the tree stops at an ancestor who was adopted. Nothing else is known about him, and he presumably took the last name of his adopted parents. I am finding my efforts to progress beyond this very hard. So, here you have to stop, and think hard. The error rate in genealogy i...
by Mudpuppy
Mon Feb 16, 2015 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3086

Re: Dusting wood floors -- robots and vacuums

For years, I used a corded Bissell Feather Weight stick vac for the hardwood and vinyl floors, a Hoover upright for the throw rugs, and a Roomba to run around in between weekend cleanings to prevent pet fur drifts. The stick vac works perfectly fine for the hard surfaces, but it can't take cat hair ...
by Mudpuppy
Sun Feb 15, 2015 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Dusting wood floors -- robots and vacuums
Replies: 19
Views: 1570

Re: Maintenance free landscaping a front yard

Try to find a list of plants native to your area specifically, or native to areas that share your climate. These will the be plants best suited to the environment in the long-term, although they'll require a little extra care in the first couple of years to get properly established. So you might hav...
by Mudpuppy
Sun Feb 15, 2015 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2453

Re: Genealogy

See if your local library has a genealogy group or knows of the local group. The genealogical society in this area meets regularly at a local library specifically to help people who want to get into genealogy. That way you can talk in person to folks who have a passion for this area, and they can he...
by Mudpuppy
Sun Feb 15, 2015 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3086

Re: Hacked (at outraged) at Verizon

I am now guessing they did not hack my online account. Would they not have changed the e-mail address and password? Verizon will not tell me the method by which the address was changed. Of course, I have no name, since they are pretending to be me. Again, the person with the new phones may not be p...
by Mudpuppy
Sat Feb 14, 2015 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Hacked (at outraged) at Verizon
Replies: 25
Views: 2988

Re: RSS feeds by thread

I agree with LadyGeek. This appears to be a Feedly problem. From looking around on Google, Feedly retains items in any RSS feed update, even if later updates remove the items. The best option is to set up Feedly to use the auto-read functionality and then configure it to show unread items. Here's a ...
by Mudpuppy
Sat Feb 14, 2015 7:38 pm
 
Forum: Forum Issues and Administration
Topic: RSS feeds by thread
Replies: 15
Views: 2418

Re: RSS feeds by thread

The RSS feed is limited to the latest post for the past 12 hours, or 50 posts, whichever is less. It works fine in Firefox, so there must be something different about Feedly. 54 new items. Let's see if it continues, else overwhelming. Don't have Feedly, but I once tried an RSS app that kept all of ...
by Mudpuppy
Sat Feb 14, 2015 6:34 pm
 
Forum: Forum Issues and Administration
Topic: RSS feeds by thread
Replies: 15
Views: 2418

Re: Hacked (at outraged) at Verizon

Verizon may not know how this happened yet. It can take some time to determine if the account was corrupted through carelessness on your part (such as reusing passwords at multiple places, not using two-factor authentication on email, etc.) or through no fault of your own. There may not even be an a...
by Mudpuppy
Sat Feb 14, 2015 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Hacked (at outraged) at Verizon
Replies: 25
Views: 2988

Re: Dealing with problematic tenants.

A few comments; 1) There is a possibility that they have drug, alcohol, or mental problems so you should take that into account when dealing with them. You know this might be a contributing factor. Whenever I go in there, I notice lots of liquor bottles laying around half empty. Plus always seems s...
by Mudpuppy
Sat Feb 14, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dealing with problematic tenants.
Replies: 56
Views: 3351

Re: Dealing with problematic tenants.

Thanks for all the responses so far. I was wondering what we can do with their security deposit when they leave. Upon checkout, can we get estimates for the damage to the kitchen cabinet and deduct it from the deposit? Can we charge them a general "cleanup" fee and deduct that from the de...
by Mudpuppy
Sat Feb 14, 2015 4:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Dealing with problematic tenants.
Replies: 56
Views: 3351

Re: How to interact with medical establishment

Still not quite sure we are getting the whole story here. OP recently had surgery. Not done by doctor says was called. OP has an appointment scheduled with the surgeon in the future. Not sure of the time frame - next week, next month, etc. Calls another doctor for an appointment. that OP thinks is ...
by Mudpuppy
Sat Feb 14, 2015 4:07 am
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2724

Re: I'm not a bad Boglehead [buying Powerball ticket]

Personally, since I do not live in a state that allows one to claim lottery winnings anonymously and I get horribly stressed when hassled, the notoriety of winning such a jackpot would not be worth the jackpot itself. In my mind, it's an extreme example of "be careful what you wish for", b...
by Mudpuppy
Wed Feb 11, 2015 1:12 am
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6153

Re: MedicAlert bracelet restricting care to in-network docto

My gut instinct is such a clause about in-network providers would have no bearing on where emergency care is rendered or on which doctors provide the emergency care. The priority in such emergencies is on rendering life-saving care, not on decoding insurance intricacies. This makes me glad that my e...
by Mudpuppy
Wed Feb 11, 2015 1:06 am
 
Forum: Personal Consumer Issues
Topic: MedicAlert bracelet restricting care to in-network doctors?
Replies: 18
Views: 1007

Re: Health Insurer, Anthem, Hacked

Can those affected in the Anthem hack file this form with the IRS now and check box 2? I am wondering what else I can do to protect myself. I'd like to get an IP PIN but I'm not in a state that is eligible. I wonder if by sending in this form I could get one for next year? http://www.irs.gov/pub/ir...
by Mudpuppy
Tue Feb 10, 2015 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8000

Re: iPhone radiation levels

Except that we've been using long-wave communication for over a century...We've had plenty of generations come (and several go), all while being "bathed" in a background of long-wave EM radiation from TV and radio... But not to the extent that it is being used today. Until fairly recently...
by Mudpuppy
Mon Feb 09, 2015 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2350

Re: Private School Financial Aid Question

What is the primary motivation for choosing a private high school over the public high school in your area? Perhaps there is a lower-cost alternative. For example, if academics are the motivation, a private tutor and/or homeschooling materials during non-school time might be sufficient to fill in th...
by Mudpuppy
Mon Feb 09, 2015 4:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Private School Financial Aid Question
Replies: 17
Views: 1525

Re: Bogleheads 2015 Hedge Fund Contest

Cant liquidate on a Sunday based on Friday price. So what are these liquidation rules? Does that portion of the funds stay out of market for duration or get divided into remaining stocks? I say let your winners run for the big money! In real world, I'd sell under performers and add to winners, I su...
by Mudpuppy
Mon Feb 09, 2015 4:08 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11387

Re: iPhone radiation levels

People evolved on earth, over millions of years, without exposure to the long-wavelength EM radiation that now engulfs us. Of course, society doesn't wait for proof that it is harmless. Instead, it goes ahead full steam waiting for proof that it is dangerous. Such proof could take decades, as for e...
by Mudpuppy
Mon Feb 09, 2015 1:38 am
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2350

Re: iPhone radiation levels

If you want to be paranoid about it, by all means go ahead. I don't think saying "we just don't know yet" is being paranoid. It does not say there is a danger and people should be afraid. Nor does it say there is no danger. We just don't know. There is no harm that I know of that comes fr...
by Mudpuppy
Sun Feb 08, 2015 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2350

Re: Student Loan Interest

My student loans dropped from 5.25% to 3.75% after 30 on time payments. It shows on the site that the rate has dropped yet the payments remain the same. Does this seem fishy to anyone? As long as the payment history reflects less accumulated interest and more paid off principle, it's not fishy. It ...
by Mudpuppy
Sun Feb 08, 2015 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Interest
Replies: 23
Views: 1952

Re: Student Loan Interest

You might want to ask your Congressman. It is in fact how Federal student loans operate. I would think then that there would be disclosures pointing out that the loan balance would increase ; also doesn't the borrower have some responsibility in educating him/her self regards what they are signed u...
by Mudpuppy
Sun Feb 08, 2015 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Interest
Replies: 23
Views: 1952

Re: iPhone radiation levels

I do believe long term effects of phone radiation are unknown and are akin to how smoking was ok in the 60's. I too believe the long term effects of phone radiation (as well as other types of radiation) are unknown. The only smart thing is to limit exposure both in time and distance. It really conc...
by Mudpuppy
Sun Feb 08, 2015 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2350

Re: iPhone 6 Plus: Too large or Do You Get Used to It?

I've had a Galaxy Note 2 for a lot longer than it was "fashionable" (by Apple's terms) to have a large phone. I have no issues with the size. Some people complain about "looking ridiculous holding it up to make a call", but that's what a Bluetooth headset (or car hookup) is for. ...
by Mudpuppy
Sun Feb 08, 2015 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Plus: Too large or Do You Get Used to It?
Replies: 42
Views: 3054

Re: Lending money to family - I can't say no

Life is very lonely, dont feel like talking/meeting any friends or family as they now see me as some one who is interested in myself and not willing to take care of dad. Literally I gave up 75% of my monthly take-home every month for 6 years. Why i did that is because he fed me and bought clothes a...
by Mudpuppy
Sun Feb 08, 2015 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family - I can't say no
Replies: 82
Views: 5724

Re: Lending money to family - I can't say no

I feel for your husband's sister who is still in college. I'd be willing to bet that his mother is laying a massive guilt trip on the sister about the expense of private school, just to "groom" her to be the next person who gives his mother a lot of cash, particularly if your husband and h...
by Mudpuppy
Sun Feb 08, 2015 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family - I can't say no
Replies: 82
Views: 5724

Re: Alternatives to Radio Shack?

For figuring out what you need when Googling doesn't get you the right information, your best bet is probably going to be to take pictures and post it online in an appropriate forum or social media website (e.g. subReddits). For example, with the key fob, you could have first searched online for the...
by Mudpuppy
Sat Feb 07, 2015 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2832

Re: Cable Modem

For those that use cable telephone and have a modem with battery backup, keep in mind that it's not only how long your backup power lasts. It's how long the cable company's backup power lasts throughout its infrastructure. Whichever one runs out first is going to cut off your telephone line during a...
by Mudpuppy
Sat Feb 07, 2015 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Cable Modem
Replies: 19
Views: 1647

Re: Streaming alternatives to Netflix and Amazon?

I use the free version of Hulu and the network websites, but I don't think that will work on a Roku. I have a full Windows system hooked up to my TV for streaming and gaming.
by Mudpuppy
Sat Feb 07, 2015 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Streaming alternatives to Netflix and Amazon?
Replies: 5
Views: 640

Re: Are the expensive air purifiers worth the money?

I have been using Oreck DualMax air purifier and Air-O-Swiss humidifier. The Oreck has ultra violet light to sanitize air and filter can be washed and reused when the Truman cell detect too much dust on the ionized plates. The Air-O-Swiss humidifier level matches with my weather station. We are ple...
by Mudpuppy
Sat Feb 07, 2015 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 29
Views: 1899

Re: Are the expensive air purifiers worth the money?

Since your primary complaints are congestion after sleeping, have you taken steps to improve the hygiene of your bedroom with respects to minimizing allergens? Having good hygiene cannot be emphasized enough. When traveling and just using my travel set of pillow encasings, I wake up with watery eyes...
by Mudpuppy
Sat Feb 07, 2015 2:22 am
 
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 29
Views: 1899

Re: Health Insurer, Anthem, Hacked

HR was on this phish right away. Bottom line is, any e-mail (even if appearing to be from Anthem) should be regarded with a raised eyebrow. My wife's HR department basically said, "do nothing, don't reply to anything, we're on it". Respond only to snail mail, as it were. My suggestion to ...
by Mudpuppy
Fri Feb 06, 2015 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8000

Re: Health Insurer, Anthem, Hacked

Setting aside the ID theft aspect of the whole thing, it is more than disturbing that people's confidential health and medical information is out there. For many people that represents a considerable threat. How many job offers and promotions do you think you'll be getting when your medical history...
by Mudpuppy
Fri Feb 06, 2015 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8000

Re: Health Insurer, Anthem, Hacked

Saw this. http://www.bloomberg.com/news/articles/2015-02-05/signs-of-china-sponsored-hackers-seen-in-anthem-attack There is a possibility it was cyber-espionage. And if it was so, then those of us who are "average" and not in a high-targeted job wouldn't have as much to worry about, since...
by Mudpuppy
Thu Feb 05, 2015 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8000

Re: Health Insurer, Anthem, Hacked

I believe this is the TIP of the ice berg when it comes to future hacks. To many companies haven't the right people in charge of online security. They'd best wake up and do something, or they will find themselves without a job. The thing is, it's not just online security. I'm going to bet that this...
by Mudpuppy
Thu Feb 05, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8000

Re: Health Insurer, Anthem, Hacked

This one is pretty serious, particularly if your current employer uses Anthem for its health insurance. The compromised data includes "standard" breach items like name, address, birth date, and SSN. But it also include employment data for those on employer health plans and potentially inco...
by Mudpuppy
Thu Feb 05, 2015 4:00 am
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8000

Re: What age did you become financially independent of paren

If you graduated in 2008 your career and personal trajectory is going to look a lot different Tell me about it. :| 2008 was still an okay time to graduate, other than the horrible job market. But the educational costs were still okay. Student loans were just starting to lose their luster (I think w...
by Mudpuppy
Mon Feb 02, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4643

Re: At what age did you become financially independent?

No line in the sand. My parents still partially subsidize my cell phone bill because it's cheaper for everyone to have a family plan. It's the other way around for me. My parents have a line on my cell phone family plan just so I know they have a reliable phone. They are very bad about paying bills...
by Mudpuppy
Sat Jan 31, 2015 10:52 pm
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4643

Re: Semi-annual Furnace/AC Inspection

These semi-annual programs are usually just cleaning the system, changing the filter, and doing a few little checks here and there. So before the summer, they'll come clean and check the AC. Before the winter, they'll come clean and check the heater/heat pump. Both times, they'll change out the filt...
by Mudpuppy
Sat Jan 31, 2015 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 1191

Re: Assisted Living Facilities... Weird 'Atmosphere...'

My grandmother's assisted/independent living facility is not like the OP described. Perhaps it has to do with the type of facility, since her facility is not designed for nursing care. It is built around the apartment model, e.g. everyone has their own 1-bedroom or 2-bedroom apartment complete with ...
by Mudpuppy
Sat Jan 31, 2015 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 4087

Re: Disputing A Fraudulent Credit Card Charge

They provided evidence from the merchant. I look it over to see the bill to address is my information but the ship to address is in Florida...I'm in OH. While you have now dealt with the fraudulent charge, you now need to deal with this breach of information. Not only did they have your credit card...
by Mudpuppy
Fri Jan 30, 2015 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Disputing A Fraudulent Credit Card Charge
Replies: 18
Views: 1198
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