Search found 4803 matches

by Mudpuppy
Fri Apr 28, 2017 12:56 am
Forum: Personal Consumer Issues
Topic: Home Warranty
Replies: 2
Views: 146

Re: Home Warranty

Better to be safe than sorry. Read your contract and find out if you need to notify for cancellation or if it automatically cancels on non-payment. The one provided with my current house through a different company automatically cancelled, but taking the time to read your contract would be prudent o...
by Mudpuppy
Fri Apr 28, 2017 12:52 am
Forum: Personal Consumer Issues
Topic: 7 car noises you should never ignore
Replies: 9
Views: 1257

Re: 7 car noises you should never ignore

I'm very noise sensitive, so anything that's out of normal range gets on my nerves enough to be looked at in short order. So far, it's always been minor, like when a long, narrow leaf was sucked into a fan and kept rattling on every rotation like a playing card in a bicycle spoke. I've learned about...
by Mudpuppy
Fri Apr 28, 2017 12:43 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 140
Views: 17729

Re: Why not add a "like" button to Boglehead posts?

The admin have constantly said that if a feature isn't supported in the base phpBB software, it's not going to be implemented here. So it seems the prudent thing to do would be to wander over to the phpBB forums and make the feature request. Making the feature request here is about as useful as comp...
by Mudpuppy
Thu Apr 27, 2017 1:17 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1471
Views: 218914

Re: What's Your Credit Card Rewards Strategy?

What does American metal mean? I also saw a reference to Delta metal earlier and despite my google efforts haven't for the life of me been able to figure out what that means! "Metal" in this context refers to the aircraft. In other words, look for a flight that is owned and operate by Ame...
by Mudpuppy
Wed Apr 26, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: AA & Fund Recommendations (401k/457)
Replies: 10
Views: 471

Re: AA & Fund Recommendations (401k/457)

If this is a governmental 457(b), there is one benefit to splitting money to it that you won't get with a 401(k). You can withdraw from a governmental 457(b) at any point after separating from the employer without penalty. With the 401(k), you would be penalized if you withdrew from it before age 5...
by Mudpuppy
Tue Apr 25, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: AA & Fund Recommendations (401k/457)
Replies: 10
Views: 471

Re: AA & Fund Recommendations (401k/457)

If this is a governmental 457(b), there is one benefit to splitting money to it that you won't get with a 401(k). You can withdraw from a governmental 457(b) at any point after separating from the employer without penalty. With the 401(k), you would be penalized if you withdrew from it before age 59...
by Mudpuppy
Mon Apr 24, 2017 12:15 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 165
Views: 13079

Re: 2017 hedge fund contest

Tanelorn wrote:...we also offer a more diversified short-bias alternative portfolio, in case the concentrated one above is for any reason found unsuitable:

Short:
ERN - Erin Energy Corp
WATT - Energous Corp
WINS - Wins Finance Holdings

I just noticed this reads as "earn what wins". Neat.
by Mudpuppy
Thu Apr 20, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Waterproof/resistant recycling bag - does it exist?
Replies: 4
Views: 456

Re: Waterproof/resistant recycling bag - does it exist?

The single stream recycler probably does not accept bags because it clogs up the sorting machine. So you're not going to be able to bag things. What I do is leave the wet item on the counter to dry overnight, then put it an unlined covered kitchen trash can that I use for recycling. When that bin is...
by Mudpuppy
Thu Apr 20, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1308

Re: About lawn sprinkler sytem

As others have noted, the design is more important than the implementation. You should design zones to have the same type of heads (e.g. all drip emitters or all pop-up heads or all rotors), sufficient flow to feed all of the heads when on, well thought out placement of the heads and valves, and so ...
by Mudpuppy
Thu Apr 20, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Nationwide 457b
Replies: 4
Views: 474

Re: Portfolio Question - Nationwide 457b

I found out that this is a governmental 457b and they charge an administrative fee of 0.95% from the participant account. No other fees are charged aside from this and the fund. The 457b, pension and the IMRF voluntary contribution (guaranteed 7% interest) are the only options available for her. Th...
by Mudpuppy
Thu Apr 20, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: Chase.com - Anybody having issues?
Replies: 14
Views: 1562

Re: Chase.com - Anybody having issues?

That is the result of optimizing web pages for viewing on mobile devices with small screens (primarily telephones) as they now account for the majority of page views. Yep, I agree with you. I just wish they would save those "optimizations" for just the mobile versions of the user interfac...
by Mudpuppy
Thu Apr 20, 2017 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Nationwide 457b
Replies: 4
Views: 474

Re: Portfolio Question - Nationwide 457b

That's not the greatest 457(b) plan. Combine the 1% account fee with the ERs on those funds and it gets pretty pricey. If this is a non-governmental 457(b), I would personally skip over it. And I've seen Nationwide provide better options to governmental 457(b) plans, although that does depend on the...
by Mudpuppy
Thu Apr 20, 2017 12:59 am
Forum: Investing - Help with Personal Investments
Topic: 457B Funds Selection Assistance
Replies: 3
Views: 359

Re: 457B Funds Selection Assistance

I want to do the following for now: International Equity Fund 20% VANGUARD Small Cap Index Fund - 20% there's also a Mid Cap but which one is better? Vanguard(R) Institutional Index Fund - Institutional Plus Shares - 40% Vanguard(R) Total Bond Market Index Fund - Institutional Plus Shares 20% Looks...
by Mudpuppy
Thu Apr 20, 2017 12:48 am
Forum: Investing - Theory, News & General
Topic: Chase.com - Anybody having issues?
Replies: 14
Views: 1562

Re: Chase.com - Anybody having issues?

Since they redid their website, I get an error message after I log in: "It looks like our site isn't working right now. Please try again." but when I simply reload the page, the error message doesn't reappear and everything else works fine. I use Chrome with several extensions that block ...
by Mudpuppy
Thu Apr 20, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 2596

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

The next time you move out of a rental in California, take advantage of your right to request a pre move out inspection, which is called the "Initial Inspection" in this CA renter's rights link: http://www.dca.ca.gov/publications/landlordbook/sec-deposit.shtml The last rental I moved out o...
by Mudpuppy
Thu Apr 20, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: Return Fraud at Big Box and "The Retail Equation"
Replies: 19
Views: 2392

Re: Return Fraud at Big Box and "The Retail Equation"

If it was indeed an insider situation, the company isn't going to let a customer know about the status of the internal investigation. It becomes a personnel matter at that point, unless they decide to pursue charges for the theft. So about the only thing you can do at this point is change the passwo...
by Mudpuppy
Tue Apr 18, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1232

Re: First Full-Time Job: Need Help Picking Funds

Thank you for putting this into perspective for me. My next milestone would be saving up for a house in approximately 5 years, so I will definitely be directing some money to a savings account for a house/car. Where would you suggest parking this money for the time period? As ruralavalon said, high...
by Mudpuppy
Tue Apr 18, 2017 1:34 am
Forum: Investing - Help with Personal Investments
Topic: New to investing- future retirement assistance
Replies: 3
Views: 320

Re: New to investing- future retirement assistance

I agree with the others about the investment options. But I notice you have $5,000 in credit card debt. Unless that is sitting at 0% and you're just waiting to the end of the 0% period to pay it off, you should eliminate the credit card debt before investing.
by Mudpuppy
Tue Apr 18, 2017 1:15 am
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 49
Views: 7424

Re: Are the expensive air purifiers worth the money?

I've tried all of the common sense solutions (nasal strips, humidifier, anti-allergen bed/pillow covers. air cleaners, even stopped eating dairy for awhile. Nothing really seems to help. I will sometimes be completely stuff up when I wake up....or maybe half of one nostril is clear at times. I have...
by Mudpuppy
Mon Apr 17, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: help with portfolio and asset location
Replies: 6
Views: 670

Re: help with portfolio and asset location

what do you think about the idea of splitting the bonds with a TIPS fund? Thanks for the suggestion for the Fidelity inflation protected bond index fund. There's nothing inherently wrong with having TIPS as a portion of your bond allocation. I don't personally do this, but I do have some I-Bonds in...
by Mudpuppy
Mon Apr 17, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1232

Re: First Full-Time Job: Need Help Picking Funds

Since this is a governmental 457(b) plan, I would personally max it before starting a taxable account. An exception to this would be if you're still accumulating short-term savings for something like your next car or a house downpayment, where you might want to direct some money each month into that...
by Mudpuppy
Mon Apr 17, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1232

Re: First Full-Time Job: Need Help Picking Funds

1) Which funds do you think I should invest in from the list above? Your good options look to be: ⋅ Vanguard Total Bond Market Index Fund (VBMPX/0.05) ⋅ Vanguard Institutional Index Fund – Plus Shares (VIIIX/0.02) ⋅ Vanguard Mid Cap Index - Institutional Plus (VMCPX/0....
by Mudpuppy
Mon Apr 17, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12030

Re: Do you have an umbrella policy?

Telling people that you have liability insurance increases your chances of getting sued. No, it doesn't. They have to file a lawsuit to start the discovery process. You have no obligation to tell them this information until the discovery process begins. So you'd already be in a lawsuit before the o...
by Mudpuppy
Mon Apr 17, 2017 2:33 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12030

Re: Do you have an umbrella policy?

What others are describing above sounds like an umbrella policy is a good way to bump the likely settlement value from your savings (leaving too small of a cut to be worth it for many lawyers) up to your savings + the umbrella limit. Anyways, I don't own a business, I have a clean driving record, I...
by Mudpuppy
Sun Apr 16, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: help with portfolio and asset location
Replies: 6
Views: 670

Re: help with portfolio and asset location

Why have both the Vanguard Total Stock Market and a small-cap index fund? What is your rationale for leaning towards both small-cap and REITs? As for dealing with having only Vanguard S&P 500 and Extended available, I have the same situation in one account. The last time I did the calculations, ...
by Mudpuppy
Sun Apr 16, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 1915

Re: Same branded components for home theater?

I recently purchased a Denon AVR-X2300W Receiver for use in a similar setup... So I can actually have the TV on inside with TV audio coming through the inside speakers, but music (from bluetooth or any other input) playing through the outside speakers. What's the range of the Bluetooth on these typ...
by Mudpuppy
Sun Apr 16, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Downgrading Comcast (with no other competition)
Replies: 36
Views: 2748

Re: Downgrading Comcast (with no other competition)

It's entirely possible that the Comcast representative typed your address into AT&T's service locator and knew you didn't have service there. They have Internet connected computers at their calling centers too. So bluffing likely won't get you much traction. Nor will going into the store and ref...
by Mudpuppy
Sat Apr 15, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 1915

Re: Same branded components for home theater?

And I'm vaguely remembering where the quality of the screen of my laptop has no impact to the quality of the video the laptop can output. Meaning I don't have a HD screen on my laptop but as long as the video card can handle it, then the HDMI can put out high quality to a HDTV. I think. Yes, the qu...
by Mudpuppy
Sat Apr 15, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 1915

Re: Same branded components for home theater?

Question: If I rip audio, video, etc. to the laptop/external drive, do I lose any video or audio quality? Like if I rip a Blu ray that I own to the drive, and then play it back, will it still be at Blu ray quality if connected to the receiver via HDMI? The ability to rip disks you own to an externa...
by Mudpuppy
Sat Apr 15, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 1915

Re: Same branded components for home theater?

I seem to recall reading somewhere that HDMI runs of more than 50' often have trouble handling HD video. Is that the case or another example of my faulty memory? If true, that would be something OP would want to consider with his proposed set-up. Our projector contractor runs into this issue occasi...
by Mudpuppy
Sat Apr 15, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4083

Re: Require Access to School Records?

Are you sure this "sharing of information" permission really applies to speaking directly with instructor types, and not just "grades" or other general progress status information? I'm way out of date on this stuff, but still... FERPA is taken quite seriously at universities and...
by Mudpuppy
Sat Apr 15, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12030

Re: Do you have an umbrella policy?

For most people without major liability risks, a $1-2 million umbrella policy will work out to be about $10-25 a month. That's less than a cell phone bill, a few lattes at Starbucks, cable TV, and many other things people don't bat an eye over paying for on a monthly basis. So why wouldn't you get a...
by Mudpuppy
Sat Apr 15, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Best way to book travel
Replies: 12
Views: 1850

Re: Best way to book travel

If you have the time to wade through this extensive thread on credit card rewards, it talks a lot about travel rewards cards: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=192008 You might want to start at the back of the thread for the most recent advise. Or use the thread search box to ...
by Mudpuppy
Sat Apr 15, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 1915

Re: Same branded components for home theater?

I'm still using my 15+ year old receiver even though it doesn't have HDMI inputs. It does have an optical input, and that's more than enough for digital sound. And as already noted, composite sound (L and R channels) works well enough for most entertainment purposes. So if your current receiver has ...
by Mudpuppy
Sat Apr 15, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Downgrading Comcast (with no other competition)
Replies: 36
Views: 2748

Re: Downgrading Comcast (with no other competition)

If you do completely drop Comcast cable, get a receipt for the equipment that is returned and keep it until the end of time. Comcast is notorious for trying to bill people for equipment that was returned. (My in-laws moved, took equipment with them as directed by Comcast, had it installed at their ...
by Mudpuppy
Sat Apr 15, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: How does family of 4 spend $1,500/mo on groceries?
Replies: 25
Views: 1857

Re: How does family of 4 spend $1,500/mo on groceries?

Has she asked for your help? If not, it's none of your business and just wander away perplexed. If so, you'll need to honor their values in the process. That means if they value organic, free-range chicken meat (which is an option at Trader Joe's), then recommending that they buy bargain-priced, but...
by Mudpuppy
Sat Apr 15, 2017 2:35 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1581

Re: How to avoid heath care surprises?

Don't they show the sticker cost and the discount on the Explanation of Benefits? That's what our insurance does. I thought it was a universal practice. I'm looking at a Summary Plan Description (SPD). Is that the same thing? The information isn't in there... It's not the same thing. An SPD tells y...
by Mudpuppy
Fri Apr 14, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Where to find business appropriate clothing [womens small sizes]
Replies: 8
Views: 785

Re: Where to find business appropriate clothing [womens small sizes]

If you don't want to run around trying a bunch of places, it might be worth using a personal shopper service at a place like Nordstrom. You can tell them ahead of time about your sizing issues and hopefully they can have an array of options available for you. If you opt for Nordstrom and open a Nord...
by Mudpuppy
Fri Apr 14, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5803

Re: Jack says be realistic

Again, I think it is important to note the median household income is only about $56,000. That's half of households, and even with more self-investment, it is not plausible there are opportunities for all those people to do way better than that (e.g., if every working person in the U.S. went to the...
by Mudpuppy
Fri Apr 14, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5803

Re: Jack says be realistic

I have the same question as stemikger does. Is the article's author correct in quoting Jack as advising being at 75% equities at the time of retirement? Cannot be true. They did not give a direct quote for that portion of the article, so we're left with the author's paraphrasing (and typos). Here i...
by Mudpuppy
Thu Apr 13, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Best Route to Take
Replies: 30
Views: 2377

Re: Best Route to Take

For my 457(b) plan over here in California, advisor fees are only charged if you let an advisor manage your portfolio. If you manage it yourself, there are no advisor fees. I doubt any plan would force all participants to use the advisor services (I'm not even sure if they can do so by regulations, ...
by Mudpuppy
Thu Apr 13, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Best Route to Take
Replies: 30
Views: 2377

Re: Best Route to Take

I appreciate the advice, I'm definitely staying away from the offered 547(b) plan (looks super fishy). From the information I've dug up, they charge $1.50 per month to operate the plan, and offer state-approved (something like 3 pages long) worth of vendors. I kinda wanna just put my money into the...
by Mudpuppy
Wed Apr 12, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Best Route to Take
Replies: 30
Views: 2377

Re: Best Route to Take

I appreciate the advice, I'm definitely staying away from the offered 547(b) plan (looks super fishy). From the information I've dug up, they charge $1.50 per month to operate the plan, and offer state-approved (something like 3 pages long) worth of vendors. I kinda wanna just put my money into the...
by Mudpuppy
Mon Apr 10, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Setting up home office/network question
Replies: 18
Views: 962

Re: Setting up home office/network question

In a similar situation I got a Linksys wireless range extender, which also has 4 internet cable ports. That lets me plug in my work laptop, desktop and laser printer into the network via LAN cables. That's another good option. Let's call it option #5. I appreciate all the responses thus far. For no...
by Mudpuppy
Mon Apr 10, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Setting up home office/network question
Replies: 18
Views: 962

Re: Setting up home office/network question

cadreamer2015 wrote:In a similar situation I got a Linksys wireless range extender, which also has 4 internet cable ports. That lets me plug in my work laptop, desktop and laser printer into the network via LAN cables.

That's another good option. Let's call it option #5.
by Mudpuppy
Mon Apr 10, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4110

Re: Packing cubes for travel

A combo of Ex-Officio and Dri-Fit type clothing makes it possible to travel for long periods of time with 3 shirts and 2 or 3 pairs of pants/shorts. Unless you have a sweating condition. Even the rapid-dry clothing can become host to stinky bacteria if you sweat more than most, which would necessit...
by Mudpuppy
Sun Apr 09, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing saving, investing, and living?
Replies: 23
Views: 2455

Re: Balancing saving, investing, and living?

Meg, Thank you for such a thorough and thoughtful response. I'm definitely working on figuring out what my values are and how to live according to them. You'd think being 43 years old I'd already have a better grasp on that! Health and fitness are certainly at the top of my list of values, though I...
by Mudpuppy
Sun Apr 09, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Setting up home office/network question
Replies: 18
Views: 962

Re: Setting up home office/network question

Is the router wireless? You could buy a $10-$20 wireless USB adapter for the desktop and see if the speed will be good enough for your use (placement of the router in the house along with the building materials may affect connection quality). Yes, it is wireless. The desktop is currently wired, but...
by Mudpuppy
Sun Apr 09, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Setting up home office/network question
Replies: 18
Views: 962

Re: Setting up home office/network question

I would personally drop another phone outlet, but then I'm a tech junkie who has cable and phone outlets in every bedroom of the house. The usefulness of phone outlets in every room is diminishing with wireless telecommunication options though, so let me give you an option #4. You can buy a wireless...
by Mudpuppy
Sun Apr 09, 2017 1:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 4512

Re: Boglehead Conference 2017?

Side note: I personally have no hurt feelings as I have no time off work to attend such events. But a large part of my low-level managerial role is conflict resolution and that means I can see where others are coming from when they make this complaint. Side note: I would love to meet you if you eve...

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