Bogleheads.org

For very little of of a huge jackpot you could hire staff to take care of that sort of thing. When you win a couple million on the other hand, you still have the people with hard-luck stories and third cousins showing up, but it would take proportionately much more of the money to put up barriers. ...

I have the inverse approach. While I have occasionally (not for a few years though) bought a lottery ticket, I never would buy one for a large jackpot in a state that does not allow one to anonymously claim the prize (which is pretty much every state except DE, KS, MD, ND, OH). Imagine the vultures...

I don't like customizing/maintaining the place, but will do it if it means I can save good money. Just need a safe/convenient place to live. For me the savings are too small to give up the flexibility of moving, having to spend time taking care of the place, fighing with HOA, etc. This is just my o...

This would be 16 acres with a 4 bedroom house, with a mother in law suite in basement. It would be our residence, not as an investment Who exactly are the "our" people in "our residence"? How would the share of housing costs be split amongst these people? Would it be simpler to ...

For example, you cannot access Hulu or several networks' free online streaming content on smart phones and tablets. You have to pay for a service to get that content on the mobile OSes. You will need to pay for Hulu or Netflix whether you use a computer or mobile device (phone, iPod, iPad, tablet)....

I will use the new computer for: accessing and responding to email web surfing storage of photos and some documents downloading/accessing movies to view and even transmit to my TV screen downloading of books to read, (likely will use separate external storage device for long term storage) viewing m...

I buy lottery tickets when the prize is over $500million because anything under is not worth the trip ;) I have the inverse approach. While I have occasionally (not for a few years though) bought a lottery ticket, I never would buy one for a large jackpot in a state that does not allow one to anony...

Interesting. My wife had done at rotation at the hospital as part her RN degree, so she knew that the FP serving covering OB was a poor service. We were in the area as visitors now for a weekend. She specifically told the FP resident to their face we wanted to be on the OB service. She was transfer...

FYI, if you have something valuable being shipped that you don't want left at your door and there is no Locker service in your area, look at the UPS will-call option. Once you have the tracking number and UPS has picked up the package, you can log on to their website and ask that it be held at your ...

Related hard pulls for auto, home, and student loans are considered to be just a single hard pull for purposes of the FICO score when they happen within 2-6 weeks of one another (time period varies by version of FICO algorithm), so people can shop around without getting a major ding in their score. ...

EVERY time I log in to Treasury Direct it says that my computer is not registered and that it will email me a one-time passcode. EVERY time, I use the passcode, tell it to register my computer, and it does not issue any error messages or complaints. I can then log in again for some short period of ...

As you recommend I never use a link in an e-mail to get my accounts. I would not have logged in or given any personal information if this one had requested it. As I said it was just a link to information. It came from an E-mail that has been mentioned previously on this board as being Vanguard and ...

It's not really a hack when the number is skimmed. That's just a risk one always takes when swiping a card. Just keep an eye on the transactions and alert the company if it seems to be happening again and they don't catch it. Otherwise, don't sweat much about it.

NoScript is a whitelisting plugin. Anything you don't specify and which does not come on the very limited predefined whitelist (and by very limited, I mean the predefined whitelist really only lists a half dozen or so sites) will be blocked. You then have to decide if the site is safe enough to add ...

Getting back to food costs - they are definitely up since I last posted, think we're averaging closer to $450-$500 a month these days. The biggest culprits - meat,chicken and fresh produce. Beef is starting to get a bit ridiculous and I'm starting to wonder if I want to spend the kind of money they...

I'm still interested in if the OP's power company ever said how they derived the breakdown for each listed appliance/energy user. If it's just an arbitrary formula applied to an arbitrary concept of "typical", then there's really nothing to get from the report other than the total weekly u...

They are more useful in kitchens or near home entertainment centers, typically. And as wilpat says, GFCI protection is not affected, tho possibly harder to test/reset... Thanks everyone. I have a surge protector strip near my electronics. In the bathroom, I want to have a power failure light, a pho...

Just curious, how does this weekly email determine the electrical usage of the appliances listed? If they are not smart appliances (and likely they are not), then the base usage and appliance usage is probably the "typical" usage for your area, which I have found to be anything but typical...

I use a mix of a dandelion removal tool and spot treating with Weed B Gone, depending on how much time I have to deal with yard work. The removal tool won't work if you don't get the whole root (you'll know if you don't). If you use a removal tool, you might also want to sprinkle a little lawn seed ...

d) the adult child has been estranged from the parent for decades and isn't even aware the parent is in a facility (and it doesn't even matter if there was a very valid reason for the estrangement due to behavior of the parent). I worry slightly about this situation, myself. My parents are spendthr...

A bigger issue I have is with weddings, etc. I usually call the restaurant/hotel and request a special meal. This USUALLY works and saves a lot of grief. I am always amused when everyone at the table asks, "how did you get that?" That reminds me of a personal food pet peeve. I have to tra...

Are you allowed to pay the homeowner/hazard insurance separate from the escrow account even if it's set up to pay from the escrow account? Does the excess money get refunded (with interest)? Having gone through this when the insurance payment sent by the escrow company got misplaced by Allstate unt...

Has it ever happened to anybody to make a request for a special dish preparation and have the request denied? If waiters always say 'yes,' and if the satisfaction of all possible requests is impossible, then some dishes are certain to deviate from the specifications. I've requested pasta primavera ...

There was a mod for this for phpBB v2.x, but I don't know about the current version. Not that it matters, because the mods don't like to modify the forum, as LadyGeek already said. This is also something one could do on the client side using a user script program like Greasemonkey for Firefox or Tam...

Now, I just have in the back my mind something might have been done to my food. I highly doubt that the chef did something to your food. That particular urban legend gets blown out of proportion because it rarely actually happens. Does it happen sometimes? Sure. Does it happen every time someone ma...

I think some folks are missing an important point. The customer is always right, period. When a customer wants food prepared differently or substitutions, then that's exactly what any decent restaurant should and can do without problem. Customers pay the money, so they should get whatever they ask ...

Here in CA, escrow accounts have to be given a minimum of 2% interest. Since that beats anything a regular savings account is offering, keeping an escrow account right now in CA would make more fiscal sense. Check your state laws to see if your state has anything similar before cancelling the escrow...

If there are dietary restrictions (or even just very strong dislikes) which would require extensive modifications to a menu item, call ahead and talk to the manager and/or chef to see if the restaurant will be willing to make accommodations. Make sure those accommodations are noted in your reservati...

HomerJ - To explain my "naughty words" edits: While the majority of readers are adults, we have a number of younger readers, and we have received complaints from this perspective. So, this forum is best served by keeping the language "family friendly" - stuff you can say in fron...

I read the article and it seems this is being used in a couple states where adult kids a) help themselves to all their parents income and assets and/or b) where the indigent parent refuses to apply for Medicaid and the adult child refuses to help in that process. Sounds like a good use of the law i...

I am not sure about the conditions under which someone can invoke filial support laws. If the parents never transfer money to their relatives (children, grandchildren, etc.), how can someone sue those who have not received any money and have not contributed to the parents poverty? I think the root ...

I did read it, and I did not make a fool of myself. Are there any filial support laws in the OP's state? Hmm.... PA may be an extreme example of filial support laws, but that doesn't mean concern is unwarranted. Neither does it mean you should be dismissive towards the concerns of the OP. Your disa...

We received the same letter yesterday. My husband has not worked for Unisys since 2009 so we really believe this is a scam to get you to sign up. A good test would be to know if any one has signed up for the monitoring service and if they had to provide their credit card number. By rights if it is ...

Why to use banks? Credit unions are much better. This is not a universal truth. The largest local credit union is as bank-like as a credit union can legally be. To use an example with relevance to this thread, you can't just get a free, basic checking account anymore. There is an ever rotating avai...

I wouldn't rely solely on the flood zone maps. Being in Zone X ("extremely low risk") didn't stop people from getting flooded locally due to poor storm drain maintenance. All it took was a large storm and the storm drain system backed up and overflowed right into their homes. This was prim...

A lot of people around here were left with soggy homes and not much recourse after poor maintenance of the storm drains left their neighborhoods flooded during a winter storm. My neighborhood was only spared because the storm drains had just been maintained there, but that was after over a decade of...

At home, I just have a stationary bike, hand weights (1lb, 2lb, 5lb pairs), a hard foam roller, and a floor mat. All were purchased as part of my at-home PT after various injuries and are just used for maintaining muscle tone. If I want anything more intense, there's a gym membership discount throug...

If your luck is anything like mine (e.g. not good), you'll keep getting the junk mail for the prior owners for years. Heck, one place is even still sending junk mail to the husband of the prior owner decades after he passed.

If you want to branch out a bit more broadly, you might also look at PHP, C/C++, Java, and other similar languages.

I will often run half a cup of water through my bleach dispenser after using bleach for a load just to minimize the possibility of bleach being left behind to stain subsequent loads. I don't know if running water through the bleach dispenser is a recommended practice or not, but I started doing it w...

Does anyone here have raised beds? I have one, but I would like to expand my garden this year. I was told it is better to plot out smaller areas, so I'm not walking all over the ground and compacting. I'm guess you could also separate with stepping stones or something else. I have 4'x4' and 4'x8' r...

How does the bolded comment vary at all from what I said in my reply? It still will be blocked on the server side if Vanguard blocks HTTP access to the login page Vanguard does a 301 redirect to an https login page if you request http://vanguard.com. SSLStrip catches that redirect and establishes i...

I would be mighty surprised if Vanguard or any financial institution would allow HTTP access to their login page and all subsequent subpages, which is necessary for a successful SSLStrip attack. There is of course the possibility of a SSL MITM attack which incorporates SSLStrip on the client side (...

Wifi can be easily hacked/packet-sniffed. If you bank from home use the Ethernet cable. The problem is when inexperienced users attach to unencrypted WiFi in a public place. There you can have serious security issues. Not for sites accessed over SSL, which Vanguard's certainly is. Edit: or TLS, if ...

Funny thing is, I'm actually more concerned about what happened to the toads than by the snail explosion. There's plenty of ways to deal with the snails before I set out the main summer veggies. But the toads have been a part of my backyard ecosystem for years and I'm wondering where they are. I fou...

The snails... oh my the snails this year... the toads that eat the snails must not be coming out of hibernation as they normally do to take care of the problem. The snails have eaten the beans right down to a tiny stalk and tried to make a dent into the tomatoes. They've also striped all the leaves ...

Edit: I see you already went ahead and spent the credit, so I guess this is a moot issue. Post deleted.

To make matters worse, the lease renewal specified the month-to-month rate if he had decided not to renew his lease. But his landlord is also saying that that month-to-month rate will also be higher because that was something he had to opt-in to . So basically they are arguing because he did not in...

She should get a police report filed, if at the very least to help protect herself against any future backlash from the rightful owners of the money on the cards.

We're well aware that a vegetarian lifestyle is cheaper, thanks to all who recommended that but we're not going to switch to a meatless diet. You might try one dinner a month meatless. I think you will be surprised at how good this can taste. Well, I'd rather eat more than just a large bowl of vege...