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Re: Closing a house on Thursday but...

As others have said, crime happens even in the best of locations, so the robbery in and of itself is not alarming. And you probably could not have switched buyers agents after he had sent over the offer and it was accepted, depending on how commissions work in your area. Buyers agents are leery to e...
by Mudpuppy
Wed Oct 29, 2014 4:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Closing a house on Thursday but...
Replies: 21
Views: 2081

Re: Water testing kit?

I don't have a recommendation for a mail-in service, but do avoid the "free water test" offers at big box stores. The test kits they use are not much better than what you can get for an aquarium at a pet store and their primary purpose is to sell you a water softener unit (which is not the...
by Mudpuppy
Wed Oct 29, 2014 3:42 am
 
Forum: Personal Consumer Issues
Topic: Water testing kit?
Replies: 7
Views: 536

Re: Using your own equipment on Uverse and Comcast

We only have internet with Comcast. ... Getting much better service, can use all the bells and whistles on our new router and didn't even need to ring Comcast to activate it - all done online. How did you activate the new modem online? You did not have the Internet connection until the new modem wa...
by Mudpuppy
Wed Oct 29, 2014 3:16 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1601

Re: You may be getting charged rent for a router/modem you o

I had been paying rent on the box from Direct. When I cancelled the service I assumed they would want the receiver or at least the cards from them back. When we didn't hear anything about it, my wife called and they said they didn't want them back because they weren't the current model being used. ...
by Mudpuppy
Wed Oct 29, 2014 3:09 am
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3426

Re: Mold, mold, mold!!! In Massachusetts..

The landlords came by this evening and now understand the extent of the problem. They have told us if the mold is going to be an issue (which, obviously, it is) then we should just look for a new place to live, so we will certainly be doing that if we can't seem to get this under control. They have...
by Mudpuppy
Wed Oct 29, 2014 2:13 am
 
Forum: Personal Consumer Issues
Topic: Mold, mold, mold!!! In Massachusetts..
Replies: 11
Views: 1179

Re: Anybody using dash cameras?

Our cars have vehicle data recorders? Like a blackbox for an airplane? Only newer cars have them right? To answer in order: Yes, Yes, Not necessarily. The recorders have been around since the mid-1990s, although they did not get widely deployed until recently. There is a minimum standard of informa...
by Mudpuppy
Tue Oct 28, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 22
Views: 4380

Re: Anybody using dash cameras?

Is anyone worried about the fact that your own dash-cam footage will be evidence against YOU in the event of an accident, right? And if you were to "accidentally" delete the footage after an accident that was arguably your fault, you'll most definitely be accused of spoliation and likely ...
by Mudpuppy
Tue Oct 28, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 22
Views: 4380

Re: I moved, so my credit score dropped by 50 points

Found out yesterday my wife's credit score is 863 :sharebeer Too bad she's married to me :oops: If the score is over 850, it's one of the newer scores that goes to 950 and not the same as one of the (many) classic FICO scores used for mortgage and other loan applications. Which reminds me, given th...
by Mudpuppy
Sun Oct 26, 2014 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: I moved, so my credit score dropped by 50 points
Replies: 14
Views: 1818

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

Have the Roth income limits and contribution phase-out region been announced? I couldn't find it in the statement. It's in bullet point #5 in the statement. Quote: The AGI phase-out range for taxpayers making contributions to a Roth IRA is $183,000 to $193,000 for married couples filing jointly, up...
by Mudpuppy
Sun Oct 26, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 43
Views: 6122

Re: Adding low cost index funds to 457b? What's involved?

The first thing I would do is research exactly how funds are added to the 457b in your municipality. There might be an additional layer of bureaucracy associated with a governmental 457b that would not exist with a 401k. In other words, find out if just talking with the provider at this meeting is s...
by Mudpuppy
Sun Oct 26, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Adding low cost index funds to 457b? What's involved?
Replies: 8
Views: 676

Re: Portfolio review

I'm unclear on what advice you want here. Do you want advice on an asset allocation? Are you checking to see if your current assets will meet your goals? Is there something else you wanted answered?
by Mudpuppy
Sun Oct 26, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 4
Views: 583

Re: Portfolio Help

It would be useful if you post as much information as you are comfortable giving from the Asking Portfolio Questions thread. At the very least, it would be helpful to know your desired asset allocation. What is ratio of stocks to bonds that you are looking for with your request for a more moderate r...
by Mudpuppy
Sun Oct 26, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 4
Views: 483

Re: Store or cut up un-needed credit cards?

The advice to close or cut-up unneeded credit cards is typically aimed at people who cannot resist the temptation to grab a credit card and run it up to its limit. It is not meant to minimize theft issues. It's meant to minimize self-control issues. If you feel absolutely no need to use them, lock t...
by Mudpuppy
Sun Oct 26, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2435

Re: DCA deposits can raise red flags with the IRS

The key thing here is "cash deposits". If you get your paycheck deposited, then transfer $xyz over to a brokerage firm 3 days later when the paycheck clears, that is not a cash deposit. That is a pretty normal and expected activity that people do with their paychecks. But if you hoarded ca...
by Mudpuppy
Sun Oct 26, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: DCA deposits can raise red flags with the IRS
Replies: 7
Views: 1446

Re: I moved, so my credit score dropped by 50 points

The reports should distinguish soft pulls from hard pulls, so first verify that these were hard pulls. That said, it is not unusual for utility companies to do a hard pull to start service these days, although some still do soft pulls. Same goes for cellular and telecomm services. The type of pull f...
by Mudpuppy
Sun Oct 26, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: I moved, so my credit score dropped by 50 points
Replies: 14
Views: 1818

Re: Done with Honda, not sure what next car should be?

I'd agree with you, assuming high-humidity is indeed the cause of the problems (I have yet to read a really good explanation for why that would be the case, if you have a source feel free to share it.) As far as I am aware, Honda has only issued recalls for cars originally sold and/or registered in...
by Mudpuppy
Sun Oct 26, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6852

Re: LASTPASS Password Program

As for the question of proprietary vs. open source...first off, it should be clear by now that open source is not a panacea. The assumption is that because the source is available for anyone to view, someone must be checking it, so there shouldn't be vulnerabilities. In practice, though, you still ...
by Mudpuppy
Sun Oct 26, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4239

Re: Done with Honda, not sure what next car should be?

Several people seem to be indicating that their cars are subject to recall but cannot be fixed yet due to parts being unavailable. This seems highly problematic. So basically drivers are being asked to continue to drive cars that may have a serious safety issue? The issue is related to relative hum...
by Mudpuppy
Sun Oct 26, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6852

Re: Done with Honda, not sure what next car should be?

For example, my reservations with Hyundai have nothing to do with the corporation and everything to do with the attitudes of the local dealership. As if the reviews weren't bad enough, they basically admitted to a local newspaper that their service department would not provide prompt warranty servi...
by Mudpuppy
Sun Oct 26, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6852

Re: Do you regret buying your home?

I did, for a while. We focused so hard on the house and yards ( the yards more than the house, they are really something special ), and didn't pay enough attention to neighbors ( well one in particular ). The neighbor moved away which solved that problem. Now after putting in a remodel on the house...
by Mudpuppy
Sat Oct 25, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6762

Re: Putting Office on Surface Pro

For the Surface Pro 3 I got at work, I used an external DVD drive to install Office 2013 (which work provides to all employees) from a DVD provided by our software folks. But I recall during purchasing the Surface from Microsoft's online store that there was also a download option for those who want...
by Mudpuppy
Sat Oct 25, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Putting Office on Surface Pro
Replies: 9
Views: 764

Re: Done with Honda, not sure what next car should be?

Not answering your question, but I'm intrigued that your dealership is able to repair this--my understanding that there was a kind of limbo here where they'd identified the likely problem airbags but didn't have repair parts disseminated yet. Maybe that's only a portion? When I checked on my Civic,...
by Mudpuppy
Sat Oct 25, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6852

Re: Statute of Limitations on Medical Billing?

I had a similar situation in the past. The doctor's office sent the initial bill to the insurance, which then asked for followup documentation from the doctor. The doctor did not send the documentation, even after repeated prompting by both the insurance and the company which handled his billing. I ...
by Mudpuppy
Sat Oct 25, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Statute of Limitations on Medical Billing?
Replies: 12
Views: 1738

Re: Do you regret buying your home?

I don't have regrets about the house. I did have regrets about the timing of buying the house. I bought far too early in my career, before I had adequate savings and investments to make that move (this was in my time before discovering the Boglehead forum). That made me "house poor" for se...
by Mudpuppy
Sat Oct 25, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6762

Re: Windows XP

That's a bit of hyperbole. In order to be an effective bot in a botnet, the command and control network has to be able to send commands. If XP is used as a virtual machine, you can tightly lock down what exactly it is allowed to do on the network. .... Now you shouldn't be running it as a raw machi...
by Mudpuppy
Sat Oct 25, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 2951

Re: What happened to SoCal Chapter?

I can see the dislike with the idea of having to drive hours through traffic just to get to a meeting (return trip wouldn't be as big of an issue except for active construction). It's hard to make it through Los Angeles (even worse with all the construction going on) for a meeting that is centralize...
by Mudpuppy
Sat Oct 25, 2014 12:55 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What happened to SoCal Chapter?
Replies: 19
Views: 2436

Re: Viewing forum on iPhone - font too small

What does that mean? New features. See the Launch info. Just curious, will Bogleheads be enabling the OAuth support in v3.1 or keeping it to local logins? And it sounds like the new Notifications features for users will provide some functionality people have requested in the past. The backend impro...
by Mudpuppy
Sat Oct 25, 2014 12:42 pm
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 1562

Re: FIOS [versus cable]

We have our own modem/wifi router so wifi is not shared and it is password secured. I'm imagining that FIOS has to be better. The wifi protocol does not care about passwords and encryption when it comes to sharing the airways. It only cares that someone else is using the same frequency band (i.e. w...
by Mudpuppy
Thu Oct 23, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3528

Re: FIOS [versus cable]

We have our own modem/wifi router so wifi is not shared and it is password secured. I'm imagining that FIOS has to be better. The wifi protocol does not care about passwords and encryption when it comes to sharing the airways. It only cares that someone else is using the same frequency band (i.e. w...
by Mudpuppy
Wed Oct 22, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3528

Re: Windows XP

Do the rest of us a favor and retire your machine. If you are browsing the internet on it, it is probably already has some sort of virus on it and is ready to wake up on demand to attack other machines I was configuring a machine years ago, and needed it on the internet for part of the configure. I...
by Mudpuppy
Wed Oct 22, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 2951

Re: FIOS [versus cable]

I get 50 on wifi at really good times, then as low as single digits in evening peak times. I'd be happy with 20-30's consistently, what is your min during peak hours? It might be your neighbor's wifi more so than your Internet provider. When you have slow downs, have you looked to see how many othe...
by Mudpuppy
Wed Oct 22, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3528

Re: "I've had it" at work - how often

I was going to post a thread like this, except in my case I've identified the cause as a complete lack of work/life balance. I have no life left. Work has consumed my life. I even wake up most days and the first thought is what fire I'm going to have to put out at work that day. I go to bed making s...
by Mudpuppy
Mon Oct 20, 2014 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12458

Re: Windows XP

I only use XP in a virtual machine for random web browsing. It's more because I don't have the time to create a new VM with Win7/8 just for random web browsing, and I can just restore from a known-good point and set the VM to non-persistent mode if I really get hit by something nasty. So I wouldn't ...
by Mudpuppy
Sun Oct 19, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 2951

Re: Buying a house without a realtor

I'd suggest looking into securing the services of a rebating Realtor, which will give back a portion of the buying agent commission. I just went through this in Michigan and felt he was worth the money at 1.5% commission, while I got 1.5% back. I went with this option as well. It was a local real e...
by Mudpuppy
Sun Oct 19, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2811

Re: Weird problem with a bank website: Chrome or Win8 (I thi

Chrome browser had a recent auto-update (couple weeks ago?) which broke it (super slow on some aspects) on my computer. Internet explorer still worked properly so that is a good test to try. It ended up that turning hardware accel off in the chrome tools advanced menu fixed it. I do have an older N...
by Mudpuppy
Sun Oct 19, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Weird problem with a bank website: Chrome or Win8 (I think)
Replies: 7
Views: 541

Re: Mold in dishwasher

A good way to clean: Put a cup full of white vinegar face up and run a cycle on the hottest setting. Should eliminate any remaining, unseen, mold. I have read this online. How do you keep the cup face up with all the tines on the racks? I have read to put it on the top rack but frankly no room for ...
by Mudpuppy
Sun Oct 19, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1117

Re: advice on a surface pro 3

Are there unresolved wifi issues? My research has led me to think this happens. Any thought on i3 vs i5? I would use it only for MS office. Work environment. Haven't had any WiFi issues caused by the Surface since the firmware updates from a couple of months ago (I have had wifi issues caused by my...
by Mudpuppy
Sun Oct 19, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2569

Re: Airline carry on limits

I've concluded that your carry-on backpack method is the way to go Sounds tempting, but I'm 65 with foot and back problems so I will stick with the rolling suit case. I remember in my 20's spending 2 years traveling around the world with a back pack. Those were the days. Something to consider: woul...
by Mudpuppy
Sun Oct 19, 2014 3:46 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3034

Re: advice on a surface pro 3

I was all set to buy an i5, but then today i read on the forums that these tablets are unreliable and can "hang", need hard resets, and even have serious wifi issues. Those never happen on my iPad. Disappointed. I've had the Pro 3 since mid-summer. Reliability issues were mostly in the fi...
by Mudpuppy
Sun Oct 19, 2014 2:29 am
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2569

Re: Four credit cards hacked in a 2 month period

Poorly done biometrics are trivially easy to bypass. Just look how quickly people posted ways to fool said Samsung and iPhone fingerprint readers. It's a grand idea, but one that is very hard to get right. And poor biometrics are good for nothing except making people *think* they're more secure, whi...
by Mudpuppy
Thu Oct 09, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Four credit cards hacked in a 2 month period
Replies: 14
Views: 1546

Re: Four credit cards hacked in a 2 month period

If you really want to track this down, you have to start asking what she does with her cards (e.g. online shopping, places visited, etc.) that you don't tend to do with your cards. Also look for activities that all four cards have in common, like all were used to purchase items from xyz retailer. Al...
by Mudpuppy
Wed Oct 08, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Four credit cards hacked in a 2 month period
Replies: 14
Views: 1546

Re: Private Student Loan attacks after 7 years

Unpaid delinquent debt can be an issue if you ever want to get a security clearance. Lots of government jobs require that. http://www.insidearm.com/daily/collections-jobs-news/accounts-receivable-jobs/delinquent-consumer-debt-leading-cause-for-security-clearance-denials/ Usually, security clearance...
by Mudpuppy
Wed Oct 08, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Private Student Loan attacks after 7 years
Replies: 34
Views: 2419

Re: Post disappeared before being posted

Sometimes (not all that rare), I click "Submit" and the post is still there - and I have to click "Submit" a second time - then it posts ok. I have not seen any pattern to when this happens, nor am I aware of anything different that I am doing (or not doing). The very frustratin...
by Mudpuppy
Wed Oct 08, 2014 10:26 am
 
Forum: Forum Issues and Administration
Topic: Post disappeared before being posted
Replies: 20
Views: 1358

Re: Identity theft?

At the risk of sounding repetitive, give Transunion more than two weekend days to fix it. Once it is fixed, then freeze your credit.
by Mudpuppy
Sun Oct 05, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Identity theft?
Replies: 10
Views: 1279

Re: How long before disputing a charge on my Visa?

After I canceled prime, it started taking Amazon a week or two to ship items with their "super saver" shipping option. Before prime, I never remember it taking that long. At some point they changed things, and they do not get my business anymore. Before I had Prime, I noticed this sort of...
by Mudpuppy
Sun Oct 05, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 1464

Re: How long before disputing a charge on my Visa?

Charging a credit card before shipping is against both Visa and MC policies unless the customer explicitly agrees to it. There's no indication that the item wasn't shipped. I've had items take a week and a half to make it from Georgia to California by ground shipping in the recent past. I've also h...
by Mudpuppy
Sun Oct 05, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 1464

Re: Identity theft?

Does anyone know if freezing your credit affects having false inquires expunged? If it's a glitch on Transunion's end, I would just sit tight and let Transunion fix the glitch before freezing anything. It's very likely NOT identity theft, so there's no reason to rush towards freezing your credit in...
by Mudpuppy
Sun Oct 05, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Identity theft?
Replies: 10
Views: 1279

Re: Identity theft?

Lordie, that FatWallet thread reminds me how nice it is to have a well-moderated forum like Bogleheads. The amount of leaping to unsupported conclusions and calls for lawsuits over there is... well, astounding. It really makes me appreciate the more level-headed atmosphere of the Boglehead community...
by Mudpuppy
Sun Oct 05, 2014 2:21 am
 
Forum: Personal Consumer Issues
Topic: Identity theft?
Replies: 10
Views: 1279

Re: Identity theft?

From the blog post given, this does not appear to originate with CommonBond. In other words, an identity thief did not try to open a student loan in your name. This appears to have originated either within Transunion or somewhere between Transunion and CommonBond. It sounds more like a software or d...
by Mudpuppy
Sat Oct 04, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Identity theft?
Replies: 10
Views: 1279

Re: How long before disputing a charge on my Visa?

One week is too soon to file a dispute IMHO. If they ground shipped from across the country (something you rarely experience with Amazon since they have warehouses all over the country), then it can take a week to get to you. It could take even longer if they used one of those hybrid ground shipping...
by Mudpuppy
Sat Oct 04, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 1464
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