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Re: HELP! Mortgage company is denying my PMI termination req

The improvement requirement should only kick in when you are asking for a cancellation by current market value within the first two years of a mortgage. This likely means the servicer misunderstood your request and/or there was some deviation from procedure that gives them a legal loophole to deny t...
by Mudpuppy
Thu Jan 29, 2015 2:20 am
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 9
Views: 1222

Re: Newer washing machine freaks out dog

Record the sound. Call the manufacturer. Ask "is this normal for the washer?" and play the recorded sound. And if this washer is generating frequencies that are painful to the dog, training is not going to overcome that. Training can help with irrational fears to sounds, but not when the s...
by Mudpuppy
Wed Jan 28, 2015 2:09 am
 
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 34
Views: 2013

Re: Health Insurance Not Activated

If you can't resolve this your state insurance commissioner would be the one to call. Thanks for the tip. I ended up calling again just now. Now their offices are closed due to weather conditions. :confused Assuming their offices are in the northeast, blizzards can do more than strand thousands of ...
by Mudpuppy
Mon Jan 26, 2015 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurance Not Activated
Replies: 6
Views: 655

Re: Drinking water

Like many have indicated before, you can either spend the money on an expensive RO system, or try various boiling/distillation/filtration mechanisms. While distillation does result in more highly concentrating the minerals in water, this does allow for filtration to take a bigger chunk of the miner...
by Mudpuppy
Mon Jan 26, 2015 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 2949

Re: Drinking water

On a side note, does anyone get concerned about chemicals in drinking water or poor quality leading to sickness? I know every once in a great while my county will say to not drink the water. If it is a boil water notice, typically that is related to a spike in bacterial levels, which naturally happ...
by Mudpuppy
Sun Jan 25, 2015 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 2949

Re: Drinking water

Will boil water solve the problem? Short answer is not really. Long answer is unless you want to make your own distilling system to capture and condense the steam coming off the boiling water, mostly what you will do is drive off some of the gasses, kill off most bacterial contaminants, and concent...
by Mudpuppy
Sun Jan 25, 2015 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 2949

Re: Android or iPhone? Which do you like, and why?

Great battery life (with push notifications turned off) - over 24 hours with moderate use I can get two days battery life on my Samsung Galaxy Note 2 with normal use. During heavy use, it goes a day... And I have a spare battery just in case I'm not near a standard microUSB charger. Great camera Yo...
by Mudpuppy
Sun Jan 25, 2015 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1821

Re: Android or iPhone? Which do you like, and why?

The Apple integration is exactly why I dislike iPhones, iTunes, Macs, etc. Plus all the proprietary connectors.... I had a co-worker the other day who didn't even realize the Thunderbolt port is just a mini-DisplayPort with a modified pin layout because he's so entrenched in the Apple infrastructure...
by Mudpuppy
Sun Jan 25, 2015 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1821

Re: Emergency Info on Smart phones with locked screens

On an Android, you can add up to four ICE numbers to the Emergency Dialer screen, along with the standard 911 button. You don't need an app to do this. It's built into most recent Android versions. Just go into the Emergency Dialer, taking extreme care to NOT hit the 911 button, and add the contacts...
by Mudpuppy
Sun Jan 25, 2015 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Emergency Info on Smart phones with locked screens
Replies: 3
Views: 553

Re: Drinking water

It is true that distillation does not necessarily remove volatile organics, but those will be taken up by activated charcoal. But I would think some folks around here would really like to be drinking organic water. Of course, what does activated charcoal released into your water during this process...
by Mudpuppy
Sun Jan 25, 2015 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 2949

Re: Drinking water

Faucet-mounted filters like Pur and Brita are not as effective as other filtering methods, even the Pur and Brita pitcher filters, due to the high flow rate across the filter. The water simply isn't in contact with the filter material for much time with the faucet-mounted filters. Although, when I u...
by Mudpuppy
Sun Jan 25, 2015 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 2949

Re: Recommend a clickless mouse

Go to Best Buy (or some other computer retailer) and check out the newer (and expensive) touch mice like the Microsoft wedge mouse and the new Logitech touch mice. There should be display models to test out the "clicking" level, and it's free other than the cost of gas and time. And if tha...
by Mudpuppy
Sun Jan 25, 2015 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2319

Re: Where to get medallion signature guarantee

In the past when I was asked to provide a medallion signature guarantee, I told them I could not obtain one which was the truth. They did the transactions without the MSG. I think I have done this a couple of times. That was my experience a few years ago as well, but it was an exceedingly small bal...
by Mudpuppy
Sun Jan 25, 2015 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to get medallion signature guarantee
Replies: 31
Views: 2276

Re: Reliability of LED televisions?

My personal approach was to not worry about reliability and instead score a good deal on a modest-sized, entry-level flat screen. I skipped over all the smart TVs and 3D/4k/whatever-gizmo-of-the-year is in. For my living room layout, where the TV is less than 10' from the couch, a 37-42" TV is ...
by Mudpuppy
Sun Jan 25, 2015 12:46 am
 
Forum: Personal Consumer Issues
Topic: Reliability of LED televisions?
Replies: 18
Views: 1213

Re: Recommend a clickless mouse

Anybody have a PC-only solution? I'm frankly shocked that there isn't one out there. Clickiness is nice, but I can't believe that there aren't more superearly birds with spouses they don't want to wake up with the clickiness of their mouse. Seems like an untapped market! You could try one of the PC...
by Mudpuppy
Sat Jan 24, 2015 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2319

Re: Credit card FICO, is it a gimmick? EMV+sign, useful?

In the meantime, I applied for and was approved for 15 credit cards, mostly chasing signup bonuses. My score reported by Barclays ranged from a high of 778 to a low of merely 765. I started a refinance for a home mortgage this month. The bank reported that my TransUnion FICO score was 736. There mu...
by Mudpuppy
Fri Jan 23, 2015 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card FICO, is it a gimmick? EMV+sign, useful?
Replies: 20
Views: 1671

Re: Credit card FICO, is it a gimmick? EMV+sign, useful?

Most credit cards are giving the FICO 08 score, which is not the same family of scores used for most lending purposes (which is the FICO 04 scores). As such, I suppose you could consider it a gimmick. But then again, many of the consumer venues for FICO scores give the FICO 08 scores instead of the ...
by Mudpuppy
Fri Jan 23, 2015 1:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card FICO, is it a gimmick? EMV+sign, useful?
Replies: 20
Views: 1671

Re: Question: Will Candles Heat up a Cold Room?

Interesting question. Some quick googling led to this reddit thread , which seems to have some good analysis. One candle can raise the temperature of the room ~1 degree F Heat required to maintain 71 F is ~ 40 W higher than that to maintain 70 F. Total load to heat the room is ~ 11,000 BTUH = 3250 ...
by Mudpuppy
Fri Jan 23, 2015 1:09 am
 
Forum: Personal Consumer Issues
Topic: Question: Will Candles Heat up a Cold Room?
Replies: 21
Views: 1698

Re: What age did you hit $100,000?

What a story. Thanks for your input! I wouldn't even know how to handle that much student debt... $60k in student loan debt is nothing unusual these days. A year at a California State University would be about $7k in tuition/fees at a small campus with typical campus-specific fees, and more at larg...
by Mudpuppy
Thu Jan 22, 2015 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5815

Re: What age did you hit $100,000?

To use a previous poster's phrasing, I did not win the "parent lottery". To say we were working poor as I was growing up was to put it politely. So I had absolutely no financial help from my parents for college. Fortunately, I had scholarships and grants to cover most of my undergraduate e...
by Mudpuppy
Thu Jan 22, 2015 3:50 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5815

Re: Do you bring lunch to work or buy?

Very interesting poll (it only has one choice). The poll only has one choice because it was created before a major forum upgrade that changed poll functionality. I can't recall which upgrade that was, but I recall that we were warned polls would not properly transition from the old forum version to...
by Mudpuppy
Thu Jan 22, 2015 2:37 am
 
Forum: Personal Consumer Issues
Topic: Do you bring lunch to work or buy?
Replies: 122
Views: 12803

Re: Malware problem on new PC

I agree with those that say to try a system restore. For an older system with data that may not be properly backed up, then I could see using removal tools. But it's new. There shouldn't be any important data on there yet. Just wipe the slate clean and try again.
by Mudpuppy
Thu Jan 22, 2015 2:16 am
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2610

Re: Honda Civic vs Fit Safety Question

I know it sounds unreasonable, but i've never liked the fact that the Fit has the gas tank under the driver seat. I'd have dreams of being flipped over and showered with gas. As opposed to under the rear seat where it would shower the infant in gas if it ruptured? I think you've got bigger problems...
by Mudpuppy
Mon Jan 19, 2015 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3318

Re: Lenovo Yoga (& sudden shut down?)

One other thing: The battery life was less than hoped for, which is not so good for travel, during the active travel part, especially on long flights. DH's assorted Apple products have *amazing* battery life! Try manually adjusting the screen brightness down to get better battery life. I find that ...
by Mudpuppy
Sun Jan 18, 2015 11:17 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2117

Re: [Purchasing a] shopping cart

When I was on crutches years ago, I'd shop in small amounts and just put it in a backpack. There are also reusable shopping bags designed to be slung over the shoulders. Maybe that would work. Ten pound bags of kitty litter. twelve packs of Coca Cola, :D I regularly carry more than 10 pounds in my ...
by Mudpuppy
Sun Jan 18, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] shopping cart
Replies: 22
Views: 2315

Re: Honda Civic vs Fit Safety Question

If safety is a concern, especially with a newborn, I'd go small SUV. The CR-V is generally around the same price as an Accord. And SUVs, even small ones, offer even better crash protection. The "safety" of the weight of an SUV must be counterbalanced by the "un-safe" feature of ...
by Mudpuppy
Sun Jan 18, 2015 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3318

Re: Honda Civic vs Fit Safety Question

With respects to the weigh argument, the weight difference between a Fit and a Civic is about 200 pounds, or approximately the size of an adult male. I don't know many people who go around concerned that they crash into a vehicle with 4 adult passengers vs a vehicle with 3 adult passengers. Also, th...
by Mudpuppy
Sun Jan 18, 2015 4:10 am
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3318

Re: garbage disposals - are these still used?

My garbage disposal has been broken for years. I don't really miss it. I have a container in the freezer for scraps that might stink up the garbage can between pickups (such as meat scraps). I empty that out on the night before trash pickup. It's easier than dealing with the disposal getting clogged...
by Mudpuppy
Sat Jan 17, 2015 9:22 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3681

Re: ATT wireless announces data rollover plan

I believe it only rolls the data for one month. Data older than one month is lost. One month of unused buffer is enough. It's not liking I'm binging on YouTube videos while traveling. But I do frequently have to check work email from the phone when the hotel WiFi is poor. The number of attachments ...
by Mudpuppy
Sat Jan 17, 2015 9:17 pm
 
Forum: Personal Consumer Issues
Topic: ATT wireless announces data rollover plan
Replies: 8
Views: 1141

Re: [Purchasing a] shopping cart

When I was on crutches years ago, I'd shop in small amounts and just put it in a backpack. There are also reusable shopping bags designed to be slung over the shoulders. Maybe that would work.
by Mudpuppy
Sat Jan 17, 2015 8:52 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] shopping cart
Replies: 22
Views: 2315

Re: Lenovo Yoga (& sudden shut down?)

I have not had this problem with a Surface Pro 3. The only "blank screen" issue I have there is that it doesn't always pop up an "Updating" screen when installing Windows Updates on a reboot. So sometimes you tell it to turn on and get nothing but a blank screen while it is updat...
by Mudpuppy
Sat Jan 17, 2015 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2117

Re: ATT wireless announces data rollover plan

Regardless of the practicality of having rollover data, once T-Mobile announced their data rollover plan, I knew it was only a matter of time before AT&T also created a data rollover plan. In my personal case, I don't need as much data while at home and work, since I have more than enough comput...
by Mudpuppy
Sat Jan 17, 2015 7:04 pm
 
Forum: Personal Consumer Issues
Topic: ATT wireless announces data rollover plan
Replies: 8
Views: 1141

Re: Options for moving our pets across country

By the way, the "nicest" "pet friendly" motel we've found while driving around the country is La Quinta. If there are other nice ones, I'd like to know about them, as would others. Jim My sister and her golden retriever have always had wonderful stays at Kimpton hotels - they ar...
by Mudpuppy
Sat Jan 17, 2015 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2445

Re: cat water fountain

If the fountain comes with a foam particulate filter, that's not gimmicky; they last a long time and will legitimately protect the pump. Even if the fountain doesn't come with the foam filter, you can see if the foam filter for another model will fit your model. Nothing kills the pump faster than s...
by Mudpuppy
Thu Jan 15, 2015 10:12 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4655

Re: MS OneNote and other note software

As already noted, OneNote creates a folder for each notebook under OneNote Notebooks. But the default is to then create a file for each section, where the file contains all of the pages. If you want a folder for each section and a OneNote file for each page, the only option is to make the folders yo...
by Mudpuppy
Thu Jan 15, 2015 12:26 pm
 
Forum: Personal Consumer Issues
Topic: MS OneNote and other note software
Replies: 6
Views: 817

Re: Do you encrypt financial/investment documents on your PC

Seriously? People keep this information unprotected? What a heartache if you lost control of your financial data. All those passwords to change, credit card companies to call, or do you just hope the thief doesn't notice what's on your computer? Why would anyone save their passwords? Those are supp...
by Mudpuppy
Thu Jan 15, 2015 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1981

Re: Do you encrypt financial/investment documents on your PC

I have an encrypted partition on which I store my financial documents, particularly those that list sensitive information like the tax return files from the tax software. The encryption is supported by my operating system (Linux) and doesn't cause any other problems than having to type another passw...
by Mudpuppy
Thu Jan 15, 2015 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1981

Re: Visa Black card, not bad after all?

As noted in the other current Visa Black thread ( https://www.bogleheads.org/forum/viewtopic.php?f=2&t=155558 ), there is no prestige in receiving a Visa Black application. Nothing about your spending has triggered them to send it to you. It does not indicate that Visa thinks you are higher midd...
by Mudpuppy
Thu Jan 15, 2015 1:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Visa Black card, not bad after all?
Replies: 8
Views: 1862

Re: Options for moving our pets across country

I would not personally fly the cat. There is no guarantee the cat will be allowed to fly in the cabin, even if you try to call ahead and reserve that. The airlines can "bounce" a pet to either not fly or only fly in cargo at any time. And I would never fly a cat in cargo. Even if the cat w...
by Mudpuppy
Thu Jan 15, 2015 12:53 am
 
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2445

Re: Loss of water pressure when using hot water

FYI: Whirlpool Water Heater :happy http://www.lowes.com/pd_345709-135-ES50R123-45D_0__?Ntt=ES50R123-45D&UserSearch=ES50R123-45D&productId=3445490&rpp=32 After how Whirlpool warranty service treated my elderly parents when their 6 month old water heater went on the fritz, reading about h...
by Mudpuppy
Thu Jan 15, 2015 12:48 am
 
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2175

Re: MS OneNote and other note software

As already noted, the OneNote file format defaults to storing all the pages for a section into a single file. You can use the File->Export functionality to export a page, a group of selected pages, the whole section, or even a whole notebook. To export multiple pages, you have to select all the page...
by Mudpuppy
Thu Jan 15, 2015 12:24 am
 
Forum: Personal Consumer Issues
Topic: MS OneNote and other note software
Replies: 6
Views: 817

Re: cat water fountain

fyi... i just added Hills CD to my cart (didn't place the order) at Amazon and i didn't see any "prescription" warnings... I guess Hill's just couldn't pass on the potential $$ from Amazon ... :) Or it's an unauthorized reseller of Hills products. I noticed that pretty much all the vendor...
by Mudpuppy
Tue Jan 13, 2015 11:17 am
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4655

Re: Bogleheads 2015 Hedge Fund Contest

The shorts really ought to "freeze" things right now! Yes, for some reason, certain longs and shorts are recorded at $0 today. RM Every now and again, the script doesn't pick up the current prices correctly, which we seem to be observing today. "Freezing" your options during a b...
by Mudpuppy
Mon Jan 12, 2015 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9771

Re: cat water fountain

I'm not positive on this, but it's my understanding that prescription pet foods are controlled by contract, not by regulation. In other words, the reseller has a contract with the vendor to only sell by prescription, but there's no law mandating that. Pet medications on the other hand are controlled...
by Mudpuppy
Mon Jan 12, 2015 12:34 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4655

Re: cat water fountain

Our kitties have had urinary issues and we solved the problem with Purina UR cat food. It comes in wet or nugget form and is available ( I think ) only from a vet. Knock on wood we haven't had any problems since they began the UR last year. You can get feline Purina UR from a reseller on Amazon, bu...
by Mudpuppy
Sun Jan 11, 2015 8:52 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4655

Re: cat water fountain

I ordered the Drinkwell Pagoda Porcelain Pet Drinking Fountain. motivated mostly by the comment about plastics. I dimly recall one of my previous cats having a problem with plastic. Just as an FYI, because it seems to come as a surprise to some people based on the Amazon reviews, all fountains will...
by Mudpuppy
Sun Jan 11, 2015 8:44 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4655

Re: Mice in the house

On the subject of rodent poisons, let me also say that even if you don't have pets and your neighbors don't have pets, speaking as a neighbor who walked out one morning to a dead rat belly up on her lawn... it doesn't engender warm neighborly feelings when my neighbors decide to use rodent poisons i...
by Mudpuppy
Sun Jan 11, 2015 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5107

Re: Mice in the house

Called the exterminator, they set a few traditional mouse traps and a black box with poison that eventually clogs up the mouse's blood. Got two hits on the traditional traps that night. Bought two more traps of a different style and caught another the next night. Have had four cold nights since and...
by Mudpuppy
Sun Jan 11, 2015 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5107

Re: Home Energy Audit - worth it?

- Comments on no, or too little, wall insulation are interesting... but what are you going to do about it? Rip down the drywall to address it? Probably not - you're just going to shrug it off. In my parents' home, the utility paid for someone to do what Just Frank mentioned.... drill holes in betwe...
by Mudpuppy
Sun Jan 11, 2015 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Home Energy Audit - worth it?
Replies: 22
Views: 2291

Re: cat water fountain

I can say do NOT get the Drinkwell Platinum. I had one, and after about a year the seal in the reservoir came loose and caused the reservoir to empty all over the floor. The Platinum reservoir works just like a human 3 gallon or 5 gallon water dispenser. A sealed container of liquid turned upside d...
by Mudpuppy
Sun Jan 11, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4655
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