Search found 3210 matches

by Mudpuppy
Mon Aug 03, 2015 12:39 am
Forum: Personal Finance (Not Investing)
Topic: what is Excise Tax Bill on Car???
Replies: 2
Views: 210

Re: what is Excise Tax Bill on Car???

Two seconds on Google yielded this: http://www.burlington.org/town_governme ... mation.php

It says what to do when you move out of state. Did you do that?
by Mudpuppy
Mon Aug 03, 2015 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Landlord Question - Military Tenant
Replies: 17
Views: 806

Re: Landlord Question - Military Tenant

What does the lease say about one tenant leaving before the other? It doesn't matter that you wouldn't rent to tenant 1 if he/she applied without tenant 2. It doesn't matter that you want to rent to another couple. What matters is what the lease says.
by Mudpuppy
Sun Aug 02, 2015 7:48 pm
Forum: Investing - Theory, News & General
Topic: Zero Interest Rates on I-Bonds
Replies: 18
Views: 2003

Re: Zero Interest Rates on I-Bonds

Thank you for the replies. I think I will wait and see whether the rates go up when they are next adjusted. As I explained, I am in the withdrawal phase, so I could sell these and buy some more Total Bond Index and/or Total Stock Market Index with some of my RMD or five year CD's. An extended perio...
by Mudpuppy
Sun Aug 02, 2015 7:37 pm
Forum: Personal Consumer Issues
Topic: Seniors must have items
Replies: 6
Views: 767

Re: Seniors must have items

Have you asked your dad if there's anything he wants you to bring? That might be better received than just bringing things Internet strangers have recommended.
by Mudpuppy
Sun Aug 02, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Garden 'engineering' question
Replies: 16
Views: 1016

Re: Garden 'engineering' question

You want to take care using pressure-treated lumber for a raised bed meant for vegetable production, although it's fine for a flower bed. If this is for vegetables, I would suggest breaking it down into several boxes with paths in between, with each box being no longer than 8 feet in length. It's ju...
by Mudpuppy
Sun Aug 02, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Major home renovation your thoughts
Replies: 35
Views: 3351

Re: Major home renovation your thoughts

I saw a really unique remodel. The people jacked up the first story and roof, and built a new foundation and first story underneath. Only in LA. Ralph Central coast of California has some pretty "innovative" remodels as well... particularly the towns with moratoriums on new builds, but wi...
by Mudpuppy
Sun Aug 02, 2015 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 58
Views: 4562

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

How to advice a young person what to study in college and what job to have for a career? Careers: MD Non-MD (Dentist, Pharmacy, Optometry, PT, Nursing etc.) MBA Engineering Law Teaching etc. Factors: Student loan debt Jobs availability Working conditions Stress Income Job security etc. I scanned th...
by Mudpuppy
Sun Aug 02, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 79
Views: 7591

Re: Vanguard's Security image going away?

My password manager is what I use to log on. I've been using it for years without problem and haven't changed my password in a year. Suddenly it stops working and now my account is blocked :confused Does anyone know the number to reach Vanguard Flagship and their hours? Since they've changed the la...
by Mudpuppy
Sun Aug 02, 2015 3:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 65
Views: 4337

Re: bogleheadism == Vanguard?

As you can tell from my OP, I am very leery of coming across like an infomercial. I really want people to know there is a better way then expensive money managers or expensive funds, but my goal would be to give them the tools so they can make better informed decisions that will ultimately improve ...
by Mudpuppy
Sun Aug 02, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Router Upgrade
Replies: 42
Views: 2664

Re: Router Upgrade

After reading this thread it has me wondering if I messed up on the purchase of a router and curious to know others thoughts. I have a netgear n600 wireless dual band dsl modem router with speeds up 600mbps (best buy guy recommended-should've known better). Our router has stretches where it maintai...
by Mudpuppy
Sun Aug 02, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: is 7200 rpm hard drive that much faster than 5400 rpm?
Replies: 43
Views: 1888

Re: is 7200 rpm hard drive that much faster than 5400 rpm?

Thanks for the advice about the SSD. I will need to do more research on which models have the WIndows 7 Pro with the SSD. :happy You can still buy Windows 7 Pro install software and licenses online. So if the system otherwise meets your needs but comes with Windows 8 or 10, there's a good chance th...
by Mudpuppy
Sat Aug 01, 2015 9:19 pm
Forum: Personal Consumer Issues
Topic: So you think 2-factor authentication is safe? Think again.
Replies: 14
Views: 2665

Re: So you think 2-factor authentication is safe? Think again.

For instance, many services store user passwords as cleartext on their systems, so that a break-in can compromise the passwords. This occurred with LinkedIn a year or two ago. FYI, Linkedin used SHA1 when its password database was compromised, although they did not use salted hashes as I recall. So...
by Mudpuppy
Sat Aug 01, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: So you think 2-factor authentication is safe? Think again.
Replies: 14
Views: 2665

Re: So you think 2-factor authentication is safe? Think again.

Myself, and others on this forum, have regularly pointed out that 2FA using email or text message is a poor substitute for 2FA with a dongle, exactly due to the possibility of an email or text message being intercepted. In fact, I posted this but a few weeks ago on https://www.bogleheads.org/forum/v...
by Mudpuppy
Sat Aug 01, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: is 7200 rpm hard drive that much faster than 5400 rpm?
Replies: 43
Views: 1888

Re: is 7200 rpm hard drive that much faster than 5400 rpm?

For a new computer, I'd pay the price premium for an SSD, at least for the system drive. While there is concern about the write cycles (e.g. lifespan) of SSDs and large-capacity SSDs have a high price point, the speed just can't be beat by a standard HDD. My desktop uses SSDs for anything that needs...
by Mudpuppy
Sat Aug 01, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 79
Views: 7591

Re: Vanguard's Security image going away?

The new streamlined login page (now on one page rather than two) isn't working for me. I can't log in using my password (which worked prior to the switch). And the 'forgot password' isn't working for me either because its not accepting my security challenge answer. Ugh!!! I guess I will have to cal...
by Mudpuppy
Sat Aug 01, 2015 7:08 pm
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 18
Views: 863

Re: Food safety - broken refrigerator

I keep bread type stuff in the freezer and microwave it as needed. As a single person, that's the only way to keep it from going stale. Freezing bread and defrosted as needed is okay. Keeping bread continually in the fridge can cause it to dry out sooner than it would on the counter. On the other h...
by Mudpuppy
Sat Aug 01, 2015 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: My Mother's I-Bonds
Replies: 12
Views: 1719

Re: My Mother's I-Bonds

Seems as if waiting a bit could be a good move. Could even be wise to sell and swap for new bonds at new rates, perhaps. It's likely that the November bonds will have a 0% or very minor fixed rate. There's absolutely no compelling reason to "sell and swap" any of your mother's I-Bonds unl...
by Mudpuppy
Fri Jul 31, 2015 1:15 am
Forum: Personal Consumer Issues
Topic: Router Upgrade
Replies: 42
Views: 2664

Re: Router Upgrade

I am considering upgrading my wireless router as the one I have is almost 3 years old.... Is that the only reason? My router is that old, and I'm not thinking of upgrading it. If it ain't broke don't fix it. Exactly this. Networking protocols are designed for a lifespan on the order of a decade or ...
by Mudpuppy
Thu Jul 30, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 35
Views: 3709

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

thanks Mudpuppy to set the record straight :) i was having a convoluted logic, which often fails, atleast in my case. Anyway though, what is the best resource to figure out a reasonably good number for replacement cost? you think it is available somewhere or one needs to hire engineering firm? Are ...
by Mudpuppy
Thu Jul 30, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: How and why to put your house in a trust in California
Replies: 15
Views: 2068

Re: How and why to put your house in a trust in California

While we are on the subject of putting a home in a trust, while my trust lawyer said, many years ago, put everything you own in the trust, my accountant had another point of view. The accountant said, once both of you die, the executor of your trust has a certain period of time (perhaps a year) to ...
by Mudpuppy
Thu Jul 30, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Auto collision with uninsured driver caused $5000 in damage. What to do?
Replies: 23
Views: 2108

Re: Auto collision with uninsured driver caused $5000 in damage. What to do?

This is why I said I'm not an expert. In some states, uninsured motorist coverage has two components: property damage (this question) and bodily injury. If you don't pay for it and get hit by an uninsured motorist, you're pretty much on your own. It looks like PA is different.
by Mudpuppy
Thu Jul 30, 2015 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Auto collision with uninsured driver caused $5000 in damage. What to do?
Replies: 23
Views: 2108

Re: Auto collision with uninsured driver caused $5000 in damage. What to do?

If your brother has uninsured motorist protection, this is what it is there for. He should see his insurance agent about filing a claim against the uninsured motorist part of his policy. I forgot to add in the original post that my brother did not purchase the optional uninsured/under-insured motor...
by Mudpuppy
Thu Jul 30, 2015 2:17 am
Forum: Personal Finance (Not Investing)
Topic: How and why to put your house in a trust in California
Replies: 15
Views: 2068

Re: How and why to put your house in a trust in California

In California each county appears to have a 'Grantor-Grantee Index" which I'm pretty sure is available on-line. Using that index an individual can trace changes in title to a property. The most effective way of camouflaging property ownership for personal security is to initially acquire title...
by Mudpuppy
Thu Jul 30, 2015 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Auto collision with uninsured driver caused $5000 in damage. What to do?
Replies: 23
Views: 2108

Re: Auto collision with uninsured driver caused $5000 in damage. What to do?

If your brother has uninsured motorist protection, this is what it is there for. He should see his insurance agent about filing a claim against the uninsured motorist part of his policy.
by Mudpuppy
Wed Jul 29, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 35
Views: 3709

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

unrelated to this query but reminds me of other question i have had for some time...assuming that one owes less than the replacement value of the house, where do you go to get a reliable estimate of your house's replacement cost? ideally should one insure for replacement cost + your equity? (i am i...
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: 172
Views: 10655

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: 172
Views: 10655

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: 10
Views: 1012

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: 172
Views: 10655

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: 46
Views: 4381

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: 46
Views: 4381

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: 17158

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: 46
Views: 4381

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: 172
Views: 10655

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: 2697

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: 35
Views: 3709

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: 1459

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: 1654

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: 1342

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: 1654

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: 2427

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: 5937

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: 5937

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: 5937

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: 2262

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: 5937

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: 1160

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: 5937

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: 1160

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: 4901

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, ...

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