Search found 3185 matches

by Mudpuppy
Wed Jul 29, 2015 1:12 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 144
Views: 8345

Re: Would you look down on a co-worker for driving a beater?

It is true that some clear coat failure is due to poor paint quality from the factory. For example, the factory may not have applied a sufficient clear coat layer or may have used paint and clear coat that are incompatible or did not properly follow instructions between layers. This could cause the...
by Mudpuppy
Tue Jul 28, 2015 11:04 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 144
Views: 8345

Re: Would you look down on a co-worker for driving a beater?

Since clear coat failure is usually tied to poor exterior maintenance, it could give the appearance of you not taking care of your car. This could have the consequences which some of the other posters have already covered. Clear coat failure is NOT tied to poor exterior maintenance. Methinks it is ...
by Mudpuppy
Mon Jul 27, 2015 10:35 pm
Forum: Personal Consumer Issues
Topic: prepaid phone less than $50 with Android Lollipop 5.0
Replies: 9
Views: 822

Re: prepaid phone less than $50 with Android Lollipop 5.0

You may want to wait a few weeks to narrow your selection down to phone models which have been patched against the newly discovered Stagefright vulnerability in Android. Here are some articles on the issue: http://www.forbes.com/sites/thomasbrewster/2015/07/27/android-text-attacks/ http://www.androi...
by Mudpuppy
Mon Jul 27, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 144
Views: 8345

Re: Would you look down on a co-worker for driving a beater?

Except for the last picture, the pictures you shared are not rust. That is clear coat failure. Cars finishes need UV protection or they deteriorate (a few have bad paint jobs and fail regardless of protection, but that would happen sooner than 12 years later). Waxing and washing the car regularly is...
by Mudpuppy
Mon Jul 27, 2015 1:43 am
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 44
Views: 3978

Re: Can you return food at a restaurant and not have to pay for it?

I have always heard stories about things happening to foodwhen it is sent back. If i get food that i can't eat, i eat bread and stop at micky Ds on the way home. I might get a box if it is something my wife could eat, or asteak that is underdone. Mike I think this fear is overblown, particularly if...
by Mudpuppy
Sun Jul 26, 2015 7:53 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 44
Views: 3978

Re: Can you return food at a restaurant and not have to pay for it?

If there is a food ingredient (major or minor like a spice), it seems that the "right" thing to do is to announce up front, before (or perhaps when) ordering that one has an allergy to "x". I've been told to never use the word "allergy" unless it would be a medically t...
by Mudpuppy
Sun Jul 26, 2015 6:22 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16868

Re: CSID website from US govt for having - credit monitoring

This previous thread on the OPM hack also discusses the monitoring offered by CSID: viewtopic.php?f=11&t=168059
by Mudpuppy
Sun Jul 26, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 44
Views: 3978

Re: Can you return food at a restaurant and not have to pay for it?

Besides returning obviously wrong orders, the closest I've come to this is similar to GerryL, where an ingredient I cannot digest was not listed in the menu and was not normally expected with that sort of dish. I've never had such dishes boxed up to be sent home, but that's understandable given why ...
by Mudpuppy
Sun Jul 26, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 144
Views: 8345

Re: Would you look down on a co-worker for driving a beater?

I was the co-worker driving the beater, up until a couple months ago. And I only let the 16 year old Civic go for the new Accord when the Civic gave me too many hassles for several road trips in a row. I realized it was time to let the car go when I purchased a beach umbrella, captain's chair, and p...
by Mudpuppy
Sun Jul 26, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2641

Re: Vanguard Account Hacked

Since the OP lacks any details to determine what actually happened here, let's focus on how one could go about preventing this for one's own account. * Protect your email accounts used for financial transactions as much as you protect the financial accounts themselves. * Enable two-factor authentica...
by Mudpuppy
Sun Jul 26, 2015 5:08 pm
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 22
Views: 2816

Re: Is your home owner insurance going up 27% this year?

OP here. Update: I called my insurance agent and she did some comparison shopping for me. I was told that my existing policy was the cheapest. The increase was explained to me as "a state wide increase" and "our house is insured as a two storey house". Apparently our house was i...
by Mudpuppy
Sun Jul 26, 2015 5:01 pm
Forum: Personal Consumer Issues
Topic: Home Warranty company wrongfully denying claim
Replies: 15
Views: 1442

Re: Home Warranty company wrongfully denying claim

I had a similar issue with the home warranty service that the seller's paid for on this house. The transition for the HVAC unit had a variety of issues that led to poor energy efficiency and a loud rattling noise whenever the unit was on. They wouldn't cover it, using a weak excuse that they only co...
by Mudpuppy
Sun Jul 26, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 1628

Re: Ross Root Feeder

john94549 wrote:*Making scary faces, shouting "shoo, shoo" are permitted. All else is politically-incorrect.

And with the drought, even the motion activated sprinklers aren't an acceptable way of scaring away unwanted animals.
by Mudpuppy
Sun Jul 26, 2015 1:52 am
Forum: Personal Consumer Issues
Topic: Name and address security [Shred mail received?]
Replies: 18
Views: 1311

Re: Name and address security [Shred mail received?]

Most likely, your county's property records are online and anyone who wants to find you can just search there for your address. Around here, Google even indexes the property records, although how they rank in the search results vary. It's harder to find my address on Google because I have plenty of ...
by Mudpuppy
Sat Jul 25, 2015 9:12 pm
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 1628

Re: Ross Root Feeder

The weirdest tree to sprout in the past few years in our backyard, despite the drought, looks like a mini Christmas tree. Seriously, it's a cute tree, and nobody has any idea where it came from. Just popped up. My wife noted it and credited me. Hastily rejecting the credit, I noted it was but a nat...
by Mudpuppy
Fri Jul 24, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: E-Statement Alert Gone for Chase Credit Card
Replies: 46
Views: 2383

Re: E-Statement Alert Gone for Chase Credit Card

I keep a small whiteboard in the hutch of my desk where I list expected monthly bills and their normal due date. That let's me keep track of everything without having to rely on vendors who might change their alert system unannounced. A less old-school approach would be to keep a list on a spreadshe...
by Mudpuppy
Fri Jul 24, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 5898

Re: Do you hate your vehicle infotainment system?

Which ones are really lousy? I don't have one, but this would get my vote: http://www.wired.com/2015/07/hackers-remotely-kill-jeep-highway/ If there's one very important take-away from that article, it's that Chrysler has a patch available for the affected Uconnect units. If you don't want hackers ...
by Mudpuppy
Fri Jul 24, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 5898

Re: Do you hate your vehicle infotainment system?

Too bad the radio croaked I'd suggest a small transistor radio on on the dashboard, if only they were still sold. I tried to buy said aforementioned small transistor radio at Radio Shack (just before Radio Shack went out of business) and the manager didn't have a clue what I was talking about. Some...
by Mudpuppy
Thu Jul 23, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 5898

Re: Do you hate your vehicle infotainment system?

If there's one very important take-away from that article, it's that Chrysler has a patch available for the affected Uconnect units. Yes, but is that the only hole in the system? I wouldn't want a vehicle connected to the internet. If these systems become widespread, I hope they have the ability to...
by Mudpuppy
Wed Jul 22, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: Problem w/ vehicle, dealership shrugs shoulders
Replies: 24
Views: 2252

Re: Problem w/ vehicle, dealership shrugs shoulders

How frequently does this occur and did they actually take it out for a test drive or did they just scan it for error codes?
by Mudpuppy
Wed Jul 22, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 5898

Re: Do you hate your vehicle infotainment system?

Which ones are really lousy? I don't have one, but this would get my vote: http://www.wired.com/2015/07/hackers-remotely-kill-jeep-highway/ If there's one very important take-away from that article, it's that Chrysler has a patch available for the affected Uconnect units. If you don't want hackers ...
by Mudpuppy
Tue Jul 21, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Running Windows 7 on new Windows 10 computer?
Replies: 18
Views: 1158

Re: Running Windows 7 on new Windows 10 computer?

Thank you all for the responses. I now know I have options to deal with this, so I don't need to delay my purchase of the Surface Pro. Now I'm wondering, would you buy the Windows 8 machine today and upgrade to Wimdows 10, or wait until they ship Windows 10 machines? No real compelling need to wait...
by Mudpuppy
Mon Jul 20, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 5898

Re: Do you hate your vehicle infotainment system?

I have to say that I detest the touch screen infotainment systems as well. If I want to change the station, I don't want to be staring down at a touchscreen in order to jab the right spot on it. I like physical buttons with defined edges that one can distinguish by feel. So one of the selling points...
by Mudpuppy
Mon Jul 20, 2015 10:39 pm
Forum: Personal Consumer Issues
Topic: Running Windows 7 on new Windows 10 computer?
Replies: 18
Views: 1158

Re: Running Windows 7 on new Windows 10 computer?

I've had no issues running VMware on my i5 Surface Pro 3 when I need to access legacy software using virtual machines. Most of that legacy software is Windows XP or earlier. At most, it gets a little hot while running the VM and the fan kicks in.
by Mudpuppy
Mon Jul 20, 2015 10:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4854

Re: livesoft surpasses 40,000 posts!

If my math is correct, that is like an average of 8 posts per day for 3.5 years. Interesting. Forum software pegs the rate at 13.06 posts/day and it also says that livesoft accounts for 1.59% of all posts on the forum. livesoft, if you spend more time on that new-to-you bike and less time posting, ...
by Mudpuppy
Mon Jul 20, 2015 12:50 am
Forum: Personal Consumer Issues
Topic: Car Questions
Replies: 15
Views: 1469

Re: Car Questions

And don't forget to cast your net wide if you're looking for a MT vehicle in CA. I'd look at least from Fresno to Stockton, if not from Visalia to Sacramento. Check the online inventories at first (they're not terribly accurate, but you can get a feel for dealerships more likely to have MT vehicles ...
by Mudpuppy
Mon Jul 20, 2015 12:41 am
Forum: Personal Consumer Issues
Topic: Car Questions
Replies: 15
Views: 1469

Re: Car Questions

Thanks for the replies! I know the oil consumption is not usually a problem, it's just the rate that it's getting worse is concerning. User5027, that was funny! Mudpuppy, you actually hit on the big concern for me. I know that I'm supposed to register the car relatively soon, but some states are wo...
by Mudpuppy
Sun Jul 19, 2015 7:33 pm
Forum: Personal Consumer Issues
Topic: Roomba - would you buy it again?
Replies: 30
Views: 2584

Re: Roomba - would you buy it again?

The biggest issue with mine is having to clear the pet hair out of the brushes (if you don't do this often, the brush head can overheat and melt) and having to clear the floor of small obstacles (like catnip mice under the sofa). Cleaning the brush head assembly is a real pain, but then again so is ...
by Mudpuppy
Sun Jul 19, 2015 7:19 pm
Forum: Personal Consumer Issues
Topic: Car Questions
Replies: 15
Views: 1469

Re: Car Questions

A few answers and then questions back to you.... First the answers. Legally, when you establish California residency, you are supposed to get a CA drivers license within 10 days and transfer your car title within 20 days. The consequences of not doing so range from fines/tickets to impounding the ve...
by Mudpuppy
Sun Jul 19, 2015 6:19 pm
Forum: Personal Consumer Issues
Topic: Gardening 2015 pt 2
Replies: 48
Views: 5104

Re: Gardening 2015 pt 2

What to do with the surplus? We have a lot garden full of fruit trees and shrubs. We spend a lot time pruning, thinning, spraying, and timing the peak harvest. We offer the excess to our friends who never come by to harvest. So we drop off the fruit and they don't seem to be very appreciative. :con...
by Mudpuppy
Sun Jul 19, 2015 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: I need a loan! Or maybe a better plan...
Replies: 18
Views: 1772

Re: I need a loan! Or maybe a better plan...

If neither you nor your mother/stepfather have the credit to qualify for a new rental, then none of you would have the credit to qualify for a mortgage. And it would be foolish to dip into IRAs and pay the penalty just to hold on to the townhouse when there is real no financial plan for the future. ...
by Mudpuppy
Sun Jul 19, 2015 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason why I shouldn't accept this student loan refinancing offer?
Replies: 12
Views: 1358

Re: Any reason why I shouldn't accept this student loan refinancing offer?

Keeping a loan at 6.5% when 4% is sitting on the table is not a good move IMO. And for the "interest rates are going to skyrocket tomorrow" crowd SOFI is doing you a big favor and offering a low cap. DRB caps at like 18%. Study the history of the LIBOR and see how fast it's moved in the p...
by Mudpuppy
Sun Jul 19, 2015 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 2969

Re: Credit Score Question - Credit Cards

Another reason to have more than one credit card is that there is always the risk that something might cause the card to be rejected. I think having another card from a different issuer would (or might) lower the risk that both cards have a problem. I just had this occur on a recent trip. Unauthori...
by Mudpuppy
Sun Jul 19, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medication Therapy Management (Express Scripts Medicaire)
Replies: 4
Views: 521

Re: Medication Therapy Management (Express Scripts Medicaire)

This program is likely intended to lower insurance costs by recommending alternatives that have a lower insurance payment. However, your father really should discuss medication with his physician. At best, this program might give some ideas of low-cost alternatives to discuss with the physician. But...
by Mudpuppy
Sun Jul 19, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Rx Savings Card - Too Good to Be True?
Replies: 23
Views: 1717

Re: Rx Savings Card - Too Good to Be True?

What you want to research is how much the prescription costs your insurance company, not how much it costs you. Most insurance companies only have categories of co-pays, and the actual cost to the company of the prescriptions in those categories can vary wildly. Let's say there are two drugs, each c...
by Mudpuppy
Sun Jul 19, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 2320

Re: How do I fix a hole in this wooden door?

Just replace the door and charge it against their security deposit. If you go on the cheap with repairs, your next tenants will know. It will make it hard to find tenants who are vested in keeping the place up, because it promotes the attitude of "if the landlord doesn't care to fix it, why sho...
by Mudpuppy
Sun Jul 19, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Replacing wireless router - advice needed
Replies: 21
Views: 2091

Re: Replacing wireless router - advice needed

I bought a new dual band router from Best Buy but it made no difference...but I have no idea how to access the 5GHz band or if it's automatic. It really does depend on what protocol the devices support and what features the router supports. On the device side, you'll only be able to use the 5GHz ba...
by Mudpuppy
Sun Jul 19, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: Replacing wireless router - advice needed
Replies: 21
Views: 2091

Re: Replacing wireless router - advice needed

Routers don't just slow down; if the radio burns out, they quit entirely. Interference is a likely cause of the slowdown; While interferenece is a likely cause I have had cases where a radio partially fails. One example is the antennae breaks off and the access point continues to work in a degraded...
by Mudpuppy
Sun Jul 19, 2015 1:12 am
Forum: Personal Consumer Issues
Topic: Replacing wireless router - advice needed
Replies: 21
Views: 2091

Re: Replacing wireless router - advice needed

It's highly likely that your router is working just fine, but that you have too many neighbors also using WiFi in the same (or close by) channels on the 2.4GHz band. This will cause interference and essentially everyone slows down so that everyone gets a turn. It's like having too many cars on a roa...
by Mudpuppy
Sat Jul 18, 2015 5:19 pm
Forum: Forum Issues and Administration
Topic: Email Notifications
Replies: 6
Views: 721

Re: Email Notifications

With that clarification, it sounds like the university system is having issues with delivering outbound mail. The university tries to send the mail and it does not get through (for whatever reason, there are many transient issues in mail delivery). A good email system would try again later, and even...
by Mudpuppy
Sat Jul 18, 2015 4:42 pm
Forum: Forum Issues and Administration
Topic: Email Notifications
Replies: 6
Views: 721

Re: Email Notifications

Seems like this is two problems, neither of which have much to do with Bogleheads. (1) University detecting emails as spam and (2) Yahoo not properly filtering the messages once forwarded. For item (1), you'd need to talk to the university IT people. The spam filter is "too eager" and you ...
by Mudpuppy
Sat Jul 18, 2015 4:21 pm
Forum: Forum Issues and Administration
Topic: Does anyone else have to continually login?
Replies: 33
Views: 1940

Re: Does anyone else have to continually login?

I've never personally had this problem. Unless the servers were rebooted for an upgrade or fix, I stay logged in when I select that option. I personally stayed logged in overnight even though astrohip had issues, which tells me the issue is not with Bogleheads.com but is rather some sort of interact...
by Mudpuppy
Fri Jul 17, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 3689

Re: What to do with bill received for prior homeowner

What about debt collectors trying to contact the former tenant of an apartment? I doubt they'd stop if I returned their angry letter with "Return to sender address unknown", since that could be a ploy used by debtors. Cease and desist letter. The Fair Debt Collection Practices Act allows ...
by Mudpuppy
Fri Jul 17, 2015 5:34 pm
Forum: Personal Consumer Issues
Topic: Merchant credit card surcharge - California
Replies: 19
Views: 1682

Re: Merchant credit card surcharge - California

Thanks for the replies. Like madbrain, I questioned the surcharge the other day, but the clerk did not budge. ($1 surcharge on a $10 greens fee). You used a CC for a $10 purchase? I'm getting old. :| I went to get a $20 from my wallet the other day to repay a person who got lunch for a group of us ...
by Mudpuppy
Fri Jul 17, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 71
Views: 6960

Re: Vanguard's Security image going away?

Before I entered my user name, hit enter and then entered my password. Now both are on the same page. Why is that more secure? You no longer have the security theater (i.e. the useless security image) lulling you into a false sense of security. The security comes from the HTTPS/SSL/TLS certificate,...
by Mudpuppy
Fri Jul 17, 2015 2:04 am
Forum: Investing - Theory, News & General
Topic: Suze Orman Show Summary
Replies: 55
Views: 7563

Re: Suze Orman Show Summary

"Can you afford it?" was so fun. Remember when she fielded a call from a grown man who wanted to pay for a trip to Norway for Elf School?! It was a lady wanting to go to Iceland, and the segment was part of a Halloween show. Thanks to the wonders of the Internet, everyone can watch it on ...
by Mudpuppy
Fri Jul 17, 2015 1:11 am
Forum: Personal Consumer Issues
Topic: Merchant credit card surcharge - California
Replies: 19
Views: 1682

Re: Merchant credit card surcharge - California

As the link posted by navyitaly points out, it's pretty easy to bypass the CA law by offering a "cash discount" instead of a "credit surcharge". Gas stations do it all over the state.
by Mudpuppy
Thu Jul 16, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7516

Re: Are you going to shop on Prime Day?

But judging from online commentators, I may be the only one who liked Prime Day. I do agree that the layout was very poor, even for treasure hunting. If I had young kids, it probably would have been a more exciting sale. I did notice an abundance of baby and kid items on sale while browsing through...
by Mudpuppy
Thu Jul 16, 2015 9:54 am
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 71
Views: 6960

Re: Vanguard's Security image going away?

It can't happen today in the same order and this is the critical point: Yesterday: 1) Enter username 2) Receive text (you won't receive this text if you are on a bad site. Also, you also have not yet delivered your password to the bad guys!) 3) Enter password Today: 1) Enter username and password h...
by Mudpuppy
Thu Jul 16, 2015 2:20 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7516

Re: Are you going to shop on Prime Day?

All I ended up getting was a BluRay movie I'd already planned to buy for 10% off. The discount was basically enough to cover the sales tax. I had really hoped they'd learned from their acquisition of Woot.com about how to run a one-day rapid fire sale that's interesting. Something like a Woot-Off, a...

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