Search found 2755 matches

Return to advanced search

Re: What to do if someone is using your home address?

When the mail carrier changed on our route, I started to get mail for the previous owner, her children, and her children's spouses. I also have the same problem with my PO Box. Filing the form with the post office to only deliver mail addressed to my last name did absolutely nothing for either the h...
by Mudpuppy
Sun Dec 21, 2014 2:23 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 12
Views: 1330

Re: Regulatory guidance - occupation information requirement

I think those are good points, but wouldn't the information on checks, etc., also be useful for the regulatory purposes? Wouldn't they in fact probably be more useful, because they are much more specific? So it still seems like these very general questions about employement are nonsense and if it i...
by Mudpuppy
Sat Dec 20, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Regulatory guidance - occupation information requirement
Replies: 26
Views: 2027

Re: Is it safe to use a credit card at Target?

Anyone still concerned about Target's credit card system vulnerabilities? If I stopped shopping at every place where I'm concerned about their cyber security, I would starve. Frankly, almost all retailers have the potential to be the victim to a mass cyber attack. It's merely a matter of whether th...
by Mudpuppy
Sat Dec 20, 2014 3:00 am
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 23
Views: 1497

Re: Shop Through Chase and other rewards points

I just checked my records. I got my Newegg.com points for my Chase Freedom card within a week when I purchased some laptop drives a few weeks ago. There was no promo code involved with the purchase though.
by Mudpuppy
Fri Dec 19, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Shop Through Chase and other rewards points
Replies: 12
Views: 807

Re: Helping out family members

What's with the nautical reference? The nautical references are a Vanguard and Boglehead thing. You'll notice Vanguard has a nautical theme: their icon is a ship and there are nautical themes to the product line, e.g. Flagship status, Admiral shares, etc. That's because the company was named after ...
by Mudpuppy
Thu Dec 18, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4432

Re: Helping out family members

What's with the nautical reference? The nautical references are a Vanguard and Boglehead thing. You'll notice Vanguard has a nautical theme: their icon is a ship and there are nautical themes to the product line, e.g. Flagship status, Admiral shares, etc. That's because the company was named after ...
by Mudpuppy
Wed Dec 17, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4432

Re: Regulatory guidance - occupation information requirement

This thread is specifically about the bank requesting generic occupation information. Think about it for a moment. Do you have your paychecks cashed or deposited there? Have you ever cashed or deposited a reimbursement check from your employer there? If so, they could very easily just employ data mi...
by Mudpuppy
Wed Dec 17, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Regulatory guidance - occupation information requirement
Replies: 26
Views: 2027

Re: We cut the (Cable/Satellite TV) Cord!

But what is the cost of your internet? I have also done away with cable, but only because I have cheap DSL that is capable of streaming....to some degree, depending on how many people in my house are on the internet. For me, it saves money, but only because I can live with DSL. In my area, if you w...
by Mudpuppy
Wed Dec 17, 2014 3:06 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4346

Re: Helping out family members

1. I'm not rich myself. I'm an accumulator early on in life, and due to student loans my net worth is currently negative 2. However, I do have a pretty solid monthly cash flow. It wouldn't be difficult to redirect money that is currently going to paying down loans and building savings to help my fa...
by Mudpuppy
Wed Dec 17, 2014 2:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4432

Re: Regulatory guidance - occupation information requirement

As dm200 said, this is part of stricter "Know Your Customer" requirements that are coming into place for financial institutions. You will find information by searching on that term, both here and on the Internet in general. Here's a quick list of some of the relevant past threads from here...
by Mudpuppy
Wed Dec 17, 2014 2:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Regulatory guidance - occupation information requirement
Replies: 26
Views: 2027

Re: Which is the better option: 457 or Taxable ETF?

Hmm, I'm a teacher so I suppose it's a governmental 457. Why would this board respond poorly? Thanks. As stated by LowER, non-governmental 457 plans have a risk associated with your employers' creditors. Essentially, the money you opt to defer into a non-governmental 457 plan are seen as part of yo...
by Mudpuppy
Wed Dec 17, 2014 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option: 457 or Taxable ETF?
Replies: 11
Views: 694

Re: Help being smart about prescriptions (generics)

I can't speak as to the health aspects, as you will need to discuss them with your doctor, but you should be able to get a list of alternatives by looking at your health insurance's formulary list. You can take the formulary list to your doctor and discuss the alternatives.
by Mudpuppy
Sun Dec 14, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Help being smart about prescriptions (generics)
Replies: 9
Views: 879

Re: Very strange burglary

One more thing. Make sure you get the management a copy of the new door key, if you haven't done so already. The landlord still has the rights to enter the premises with appropriate notice for your state for routine maintenance, or without notice for emergencies (e.g. burst pipes).
by Mudpuppy
Sun Dec 14, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Very strange burglary
Replies: 41
Views: 4683

Re: security camera outside away from a power source

Let's assume for a moment that you can get a camera functioning at the entrance and that the camera can record the license plate and a sufficiently clear picture of the driver to positively identify the trash dumpers. Will this actually get you anywhere with the local authorities? Will they actually...
by Mudpuppy
Sun Dec 14, 2014 1:02 am
 
Forum: Personal Consumer Issues
Topic: security camera outside away from a power source
Replies: 18
Views: 1615

Re: Very strange burglary

One possible clue to why they took so little: the took my spare keys (door + mailbox). I just now noticed. Spare door key is easily handled by changing the lock. Spare mailbox key is far more problematic, since you likely can't change it out yourself. So you're at the mercy of management there, and...
by Mudpuppy
Sat Dec 13, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Very strange burglary
Replies: 41
Views: 4683

Re: Very strange burglary

Living in an apartment does limit one's choices, but it is interesting that a previous tenant already upgraded the strike plate. This might indicate a tendency for such minor break-ins, e.g. ones not big enough to get the police to look into more diligently. But about the only thing else you could d...
by Mudpuppy
Sat Dec 13, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Very strange burglary
Replies: 41
Views: 4683

Re: Very strange burglary

I know there is a human tendency to both discount and over-inflate situations, but I think in this case there's some reasonable middle ground to be had. I would not just assume this was kids (that's discounting the situation), but neither would I go to extremes without other indicators (that would b...
by Mudpuppy
Sat Dec 13, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Very strange burglary
Replies: 41
Views: 4683

Re: Comcast's XFINITIWIFI

Yep, this is a great example why going with your own modem and wireless router is the best move. Try as Comcast might, there is no way they can force this upon me. Well, if an ISP truly wanted to force all customers to use their equipment, they probably could. If they were to remove the modem lease...
by Mudpuppy
Sat Dec 13, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 2300

Re: New HTTPS security bug, Vanguard servers vulnerable

FYI, all servers at investor.vanguard.com and vanguard.com appear to be updated for the bug now. That's actually quicker than I expected. The level of bureaucratic red-tape one has to handle before doing server patches in a corporate environment, much less a financial institution which has regulati...
by Mudpuppy
Fri Dec 12, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 4157

Re: New HTTPS security bug, Vanguard servers vulnerable

Since the IT people who set this stuff up often do a mediocre job with security, it is also possible to remotely exploit bugs in router firmware and take them over to remotely deploy man in the middle attacks I also think that the routers in the backbone of our ISPs and the internet in general are ...
by Mudpuppy
Fri Dec 12, 2014 1:54 am
 
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 4157

Re: New HTTPS security bug, Vanguard servers vulnerable

My point was that this thread is overflowing with wifi security talk, when it's much more likely the bad guys would execute such an attack at an ISP or Internet core routing point. I highly doubt a Russian cyber crime perpetrator is going to fly to your house, sit in your bushes sniffing your somew...
by Mudpuppy
Thu Dec 11, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 4157

Re: Stolen computer

With all the automated mechanisms to remember passwords and perform automatic log-ins there is the possibility that the OP is not the "real" OP. It is quite possible that the thief has initiated this thread to torment the victim. I think that's a stretching it a little. Let's treat this a...
by Mudpuppy
Thu Dec 11, 2014 1:52 am
 
Forum: Personal Consumer Issues
Topic: Stolen computer
Replies: 29
Views: 2360

Re: Holiday Tipping

This is my first year of having a gardener for the front yard (working too much this year to give it attention to details like weeding and edging). The gardener is a one-man shop, e.g. it's the owner out there mowing, edging, and weeding every week. I went ahead and sent a holiday card with a tip th...
by Mudpuppy
Wed Dec 10, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 13
Views: 1473

Re: New HTTPS security bug, Vanguard servers vulnerable

(if you connect to your home router with WEP--as many people surprisingly still do--then there's a password to connect, but the connection itself in not encrypted and can be sniffed--and if you have no password on your home wifi, you're definitely not encrypted and vulnerable). Just an FYI, WEP doe...
by Mudpuppy
Wed Dec 10, 2014 2:23 am
 
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 4157

Re: Is it safe to leave Laptop in hotel room

As someone else said, I consider my laptop to be disposable, both while traveling and day-to-day at home. The files are important, the hardware is not. I also don't keep personally critical files on the laptop (e.g. financial data), although I do keep work files and my smartphone local backup on it....
by Mudpuppy
Tue Dec 09, 2014 2:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7733

Re: Got earthquake insurance?

I have earthquake insurance. In my part of California, the earthquake insurance is pretty cheap. Might not be a huge "return", so to speak, but neither is it a huge cost.
by Mudpuppy
Tue Dec 09, 2014 1:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Got earthquake insurance?
Replies: 35
Views: 2062

Re: Account Security Question

This could indicate that they store all passwords as the numeric equivalent on the back-end (e.g. only store the hash of the numeric equivalent) or that they store two hashes on the back-end (e.g. the alphanumeric password and the numeric equivalent). In any event, either scenario is only a concern ...
by Mudpuppy
Tue Dec 09, 2014 1:09 am
 
Forum: Personal Consumer Issues
Topic: Account Security Question
Replies: 5
Views: 616

Re: Suspicious House Odor

Before calling out another professional, do a little investigation yourself. As others have mentioned, make sure the drains are clear of hair. Hair can clog up the "U" space in the drain pipes that is meant to trap water. The water needs to be trapped in that space in order to prevent sewa...
by Mudpuppy
Mon Dec 08, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Suspicious House Odor
Replies: 21
Views: 2467

Re: how to join nylon webbing?

As others have said, you can sew the ends together. But you could also look online for larger cat collars. Brick and mortar stores tend to just stock collars for the "average" sized cat, but you can get larger collars online. Amazon has 14" cat safety collars for example. Thanks, eve...
by Mudpuppy
Mon Dec 08, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: how to join nylon webbing?
Replies: 26
Views: 1745

Re: how to join nylon webbing?

As others have said, you can sew the ends together. But you could also look online for larger cat collars. Brick and mortar stores tend to just stock collars for the "average" sized cat, but you can get larger collars online. Amazon has 14" cat safety collars for example.
by Mudpuppy
Mon Dec 08, 2014 1:59 am
 
Forum: Personal Consumer Issues
Topic: how to join nylon webbing?
Replies: 26
Views: 1745

Re: Bogleheads.com and FPL Capital Management

Generally speaking (since I don't know the specifics here), people who registered domains in the early days were encouraged to choose just the appropriate top-level domain (TLD), and to not register across the board. Non-profits were supposed to use .org, commercial entities were supposed to use .co...
by Mudpuppy
Mon Dec 08, 2014 12:16 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2515

Re: Amazon.com price roller coster

If you're concerned about "price tests" and you have a smart phone along with a computer, you can try checking the price on both (make sure you're not logged on to Amazon on both though). Tie that in with places like camelcamelcamel and you should be able to detect price differences. As fo...
by Mudpuppy
Sun Dec 07, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com price roller coster
Replies: 31
Views: 4011

Re: I'm scared - online hacking

My mom wire transfered $200K from her local credit union to Pentagon Federal last year to take advantage of 3% CDs. We initiated the transfer online but the losing credit union called the next business day and asked her many questions before approving the wire. I expect most banks would do similar....
by Mudpuppy
Sun Dec 07, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 4850

Re: Bogleheads.com and FPL Capital Management

For the record, Bogleheads is a registered service mark and is documented in the wiki. Go to the footer of any wiki page and click on the Disclaimer . Bogleheads® is a registered service mark of the John C. Bogle Center for Financial Literacy. Supporting details are in the Discussion tab (top left ...
by Mudpuppy
Sun Dec 07, 2014 2:58 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2515

Re: I'm scared - online hacking

If we have id and password to brokerage and bank account, maybe we could transfer from broker to bank, and then wire funds out. Not if you disable wire transfer functionality in your bank account. At the very least, disable the ability to do it through the website and require you to physically be p...
by Mudpuppy
Sun Dec 07, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 4850

Re: Bogleheads.com and FPL Capital Management

For this particular issue, since there is a trademark involved there is a less legal and more administrative procedure called a domain name dispute. A domain name dispute is handled by the registrars instead of through the court system, which can be a much faster process. Here's an overview of the d...
by Mudpuppy
Sun Dec 07, 2014 12:41 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2515

Re: Exercise machine for small apartment?

Perhaps my thinking is simplistic, but it seems like the stairs are a built in cardio exercise for someone who lives on the top floor of a complex, and totally free as well. Make it a challenge to see how many reps you can do if you need motivation.
by Mudpuppy
Fri Dec 05, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2018

Re: I'm scared - online hacking

Is it possible to login... [and] account has been drained? Does it happen often? This has happened. There were a few articles years ago. Maybe very uncommon, but who knows. I suspect financial companies try to hide these incidents by making you keep quiet if you want your partial reimbursement. I s...
by Mudpuppy
Thu Dec 04, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 4850

Re: I *might* make more than $127K annually, IRA...

I was in a similar situation myself this year. I have my Vanguard Roth IRA set to automatically withdraw every month to maximize the annual contributions. My employer wanted a project rolled out quickly and promised several bonuses related to that, which finally paid through last month. I also recei...
by Mudpuppy
Thu Dec 04, 2014 1:18 am
 
Forum: Investing - Help with Personal Investments
Topic: I *might* make more than $127K annually, IRA...
Replies: 5
Views: 1550

Re: I'm scared - online hacking

The point of these articles is to make you scared of something you have very little power or control over. That's a very human-nature sort of reaction, and one the media company is hoping to induce in order to get people to read its article. But there's very little productivity that can come out of ...
by Mudpuppy
Wed Dec 03, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 4850

Re: teacher retirement plans and 403/457 limits

Just one more note. If your district offers both 403b and 401k, the contributions for these two plans do "count against" one another. In other words, you can do up to $18k in 2015 to the 403b and 401k combined. You can do another $18k (entirely separate contribution limit) to a 457b plan. ...
by Mudpuppy
Wed Dec 03, 2014 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: teacher retirement plans and 403/457 limits
Replies: 13
Views: 1415

Re: Odd Issue with a Best Buy Return

Nordstrom routinely asks how you want a return credited and cash is an option even if a gift or no receipt. At times I've taken cash back instead of crediting my card because I've already paid the bill and have a zero balance. They'll even credit a different card than the one I purchased it on. Nor...
by Mudpuppy
Sun Nov 30, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5181

Re: Odd Issue with a Best Buy Return

Not sure I completely understand you question, we were in a hurry, so she returned it while I sat in the car. She handed her DL to the cashier, and nothing else happened until she handed it back to her and said it was returned back onto the original card. At that time she explained the situation to...
by Mudpuppy
Sun Nov 30, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5181

Re: Bluetooth headset recommendation ?

My wife has asked for one of these for Christmas and she does not like the itty bitty things that stick in your ear. By "itty bitty things that stick in your ear" do you mean ear buds or do you mean the standard one-ear Bluetooth earpiece? There's a wide range of options ranging from ear ...
by Mudpuppy
Wed Nov 26, 2014 4:16 am
 
Forum: Personal Consumer Issues
Topic: Bluetooth headset recommendation ?
Replies: 4
Views: 709

Re: California Savings Plus 401k Target Date Funds

Is the issue that you'd prefer to use something simple like a target fund, but you're concerned about whether the fund has some defect that means it should be avoided? I was just surprised at the high international allocation. I prefer more like 20%. This is my spouse's fund and she was previously ...
by Mudpuppy
Tue Nov 25, 2014 2:19 am
 
Forum: Investing - Help with Personal Investments
Topic: California Savings Plus 401k Target Date Funds
Replies: 8
Views: 765

Re: California Savings Plus 401k Target Date Funds

I've found with the CA SPP options, it's usually better to build your own AA out of the underlying funds rather than use their Target Date funds. Besides the International allocation, they changed the plans a while back to include a slice of the Diversified Real Returns fund, which I am not enthusia...
by Mudpuppy
Tue Nov 25, 2014 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: California Savings Plus 401k Target Date Funds
Replies: 8
Views: 765

Re: Dog food - how cheap is too cheap?

... and what the, uhm, byproduct is, er, consistency wise. I followed the link above and then poked around some more. One site said that by-products are fine ... ⋅ By-products do NOT include things like "floor sweepings," hair/fur nor many other things. The term is well defined ...
by Mudpuppy
Mon Nov 24, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 5863

Re: Carrying alternatives for phone, credit cards, money

I'm looking for an option to carrying my phone in one pocket with my separate bulky wallet and my keys in another pocket. Ideal would be something thin and reasonably priced that would fit my phone (Samsung Galaxy S3) as well as hold a few credit cards, driver's license and cash, that I could stick...
by Mudpuppy
Mon Nov 24, 2014 4:23 am
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 2216

Re: Fitbit, Vivofit, or other?

But I use my phone to call the cops whenever I am out walking the dog and get mugged by grannies. https://www.youtube.com/watch?v=XQrI0bM7To0 Can you do that with a fitbit? Most run a larger risk of having one's walking style criticized by someone from the Ministry of Silly Walks while walking with...
by Mudpuppy
Mon Nov 24, 2014 4:17 am
 
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 2297
Next

Return to advanced search