Search found 4715 matches

by Mudpuppy
Fri Mar 24, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6534

Re: Citi card Nightmare

Gamma Ray wrote:Fidelity %2 is nice, but how can they call it "cash back" when it requires brokerage account.
Can you really not get actual cash back or credit towards card balance/purchases?

You can open a Cash Management Account for the Fido 2% if you don't want a full-fledged brokerage account.
by Mudpuppy
Thu Mar 23, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2256

Re: Anybody using the TERMINAL over the GUI in ubuntu?

My entire Ph.D. dissertation was done with a series of text files in the LaTeX mark-up language In the 1970's IBM had a markup language called 'Script'. PhD candidates would write their thesis using it, because it was really nice to not have to redo all the page numbers and so on because you insert...
by Mudpuppy
Wed Mar 22, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2256

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I think Linux is the greatest waste of time in the history of computing, especially desktop Linux. At work, I almost entirely use a terminal, Emacs, and Chrome. The terminal use is dominated by Git, Java, and the Unix text commands (grep, sed, cut, sort, uniq, and their many, many lovely friends, p...
by Mudpuppy
Wed Mar 22, 2017 2:19 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2256

Re: Anybody using the TERMINAL over the GUI in ubuntu?

Old school? What color is your background and text? http://www.nightfallcrew.com/wp-content/gallery/tandy-radio-shack-trs-80-data-terminal-dt-1/Tandy_Radio_Shack_TRS-80_DT-1_16.jpg That's not amber or green... it's not old school enough. Also, the machine name is probably not one you want to be rep...
by Mudpuppy
Wed Mar 22, 2017 2:14 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2256

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I live in the terminal both at work and at home. Even my Windows machines have Cygwin with rxvt and bash installed (I don't have Windows 10, so Cygwin works well on Windows 8 and older systems). Right now, I have both VMware and terminals running on my screen. The power of using the command line is ...
by Mudpuppy
Wed Mar 22, 2017 1:53 am
Forum: Forum Issues and Administration
Topic: Hacking Wordpress
Replies: 11
Views: 1001

Re: Hacking Wordpress

There could be any number of vulnerabilities in one of the underlying WP files that would cause these issues. If you use WP or any other similar software, this is just one of the risks you take in doing so. Even a poorly configured custom PHP script could fall prey to numerous vulnerabilities. It's ...
by Mudpuppy
Wed Mar 22, 2017 1:37 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 213
Views: 15639

Re: gratuitous homeownership items

there's a lightbulb up on the vaulted ceilings Wow, I forgot that one. I bought a "Parade" home once, into which the builder had stuck all sorts of glitzy but useless fru-frah. Weird bathroom faucets and a rough slate kitchen floor which was impossible to clean. The worst was that vaulted...
by Mudpuppy
Tue Mar 21, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1326
Views: 165736

Re: What's Your Credit Card Rewards Strategy?

The latest ban on carrying electronics into planes originating from several Middle Eastern airports may have interesting consequences for miles-and-points strategies. Flyers used to carrying their laptops into Business and First cabins will be choosing more expensive airlines and seeking to accumul...
by Mudpuppy
Tue Mar 21, 2017 3:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA Acceptance Letter
Replies: 4
Views: 284

Re: Vanguard IRA Acceptance Letter

Depending on your age and the rules of your 457(b) plan upon separation, you might want to leave the 457(b) plan in place. After you separate from an employer, you can withdraw from a 457(b) plan at any age without a federal tax penalty. So I personally wouldn't roll it over to an IRA until I've pas...
by Mudpuppy
Tue Mar 21, 2017 2:56 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) and 457 Contribution Limit Question
Replies: 3
Views: 318

Re: 403(b) and 457 Contribution Limit Question

Yes, the contributions are separate for the 457(b) plan. So feel free to contribute up to $18k in your new 457(b) plan.
by Mudpuppy
Sun Mar 19, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 213
Views: 15639

Re: gratuitous homeownership items

We don't squeegee the glass door because that's what the maids do. The repeated mentioning of glass shower doors confuses me. We have had glass shower doors in all of our bathrooms for the past 8 years (2 condos and now a house). We have never squeegeed anything. The cleaners clean them when they c...
by Mudpuppy
Sun Mar 19, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4125

Re: Collection Agency - Are you kidding?

Is "not doing their job" an actual tort? Is missing multiple pick-up appointments actionable? I'm asking because I'm moving soon and have a cable modem from a cable company (it doesn't appear on my bill -- I check each month to ensure that) and this situation worries me. No clue it it's a...
by Mudpuppy
Sun Mar 19, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: AGI considerations when planning for mortgage?
Replies: 5
Views: 328

Re: AGI considerations when planning for mortgage?

I haven't contributed to any 401k yet, but I have several years of Roth contributions and money set aside for a downpayment. My thinking was whether I should open a Trad. Individual 401k or Roth 401k and how it might affect the mortgage application. If I am understanding this right, it actually doe...
by Mudpuppy
Sun Mar 19, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: After years of iron in well water, all of a sudden no iron
Replies: 5
Views: 830

Re: After years of iron in well water, all of a sudden no iron

hicabob wrote:Is your mudpuppy moniker from the salamander or the machine? My well driller had to get the Mudpuppy man in to finish years ago.

The salamander. See this thread: viewtopic.php?f=9&t=210591&start=150#p3234710
by Mudpuppy
Sun Mar 19, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: U.S. medical billing system (duplicate originals)
Replies: 8
Views: 610

Re: U.S. medical billing system (duplicate originals)

If I am reading this correctly, you're trying to avoid purchasing the university mandatory medical insurance for students. But your primary insurance does not meet the qualifications to avoid the mandatory university medical insurance, so you want to add a secondary policy for that child which would...
by Mudpuppy
Sun Mar 19, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: AGI considerations when planning for mortgage?
Replies: 5
Views: 328

Re: AGI considerations when planning for mortgage?

I don't quite understand your question. Why are you concerned about AGI in the mortgage application process? Most mortgage companies will ask for both pay stubs and tax returns, where they will see what your gross pay is, before your 401(k) contributions, and the amount of those contributions. They'...
by Mudpuppy
Sun Mar 19, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4125

Re: Collection Agency - Are you kidding?

Comcast did a similar thing to me over a decade ago.... they didn't show up to pick up the cable box when I was moving, the local office was closed by the time this was apparent, and I was moving 300+ miles away so I couldn't stick around and take it back the next day. Comcast's customer service tol...
by Mudpuppy
Sun Mar 19, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Spin scrubbers
Replies: 4
Views: 729

Re: Spin scrubbers

The one I have is from Rubbermaid. It doesn't take up anything unless it could also have been removed by hand-scrubbing, but it's an okay substitute for hand-scrubbing. The vibrations can get a bit annoying if used for too long, at least for me. I purchased mine to try to get off scale deposits left...
by Mudpuppy
Sun Mar 19, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: After years of iron in well water, all of a sudden no iron
Replies: 5
Views: 830

Re: After years of iron in well water, all of a sudden no iron

Depending on where you are in California, I could easily see the rains this winter affecting the underground aquifers. In the southern Central Valley for example, the water has no where to go but down (no ocean outlets). Even in areas with ocean outlets, the water is going to percolate down to the a...
by Mudpuppy
Sun Mar 19, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Feedback - Young College Professor
Replies: 10
Views: 858

Re: Portfolio Feedback - Young College Professor

You say you have emergency funds, but you don't quantify them or the nature of your college job. Is this a tenured position, a tenure-track position, or an adjunct position? If you are not tenured, you have to plan for the volatility of the academic hiring cycle. Even if you are tenure-track, you sh...
by Mudpuppy
Sun Mar 19, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Sorting through 403b/457 options...
Replies: 20
Views: 923

Re: Sorting through 403b/457 options...

Yes, I believe you can contribute up to 18K to a 457 AND an additional 18K in a 403b. Unfortunately, most K-12 teachers don't have 36K to pour into retirement accounts so it seems kind of odd that they have this option while people with much larger salaries don't. Faculty and staff at state-run uni...
by Mudpuppy
Sat Mar 18, 2017 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 212
Views: 38720

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

BeneIRA, I'm not sure why you're talking about suing. I think the consensus was to report this to the appropriate authorities, which would be the elder and disabled adult services in the OP's mother's area. The divorce case will be enough lawyers involved, but the state needs to know what the BIL di...
by Mudpuppy
Sat Mar 18, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) Enhanced limit
Replies: 5
Views: 301

Re: 457(b) Enhanced limit

Hmm...Interesting My spouse's 457b documents say that a catch up provision is available from age 62-64, but doesn't specify what it is. I'll have to check the SPD, though I highly doubt she'll still be working at that age. Is this sort of provision standard for a non-gvt 457b? It's pretty standard,...
by Mudpuppy
Sat Mar 18, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) Enhanced limit
Replies: 5
Views: 301

Re: 457(b) Enhanced limit

This would be something to run past your benefits office or by calling the 457(b) provider, but over here, it's three years before you plan to retire, with the earliest you can start being three years before the normal retirement age. If you plan to retire at 60, then you could start at 57. But if y...
by Mudpuppy
Sat Mar 18, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Sorting through 403b/457 options...
Replies: 20
Views: 923

Re: Sorting through 403b/457 options...

Mudpuppy , thank you for the thoughtful response. I agree that Fidelity seems like the best option. If I didn't have access to the Premium funds, I wasn't seeing too many with low expense ratios. But the three fund portfolio you suggested looks perfect. So I'm thinking something like this: 10% Fide...
by Mudpuppy
Sat Mar 18, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6534

Re: Citi card Nightmare

There is at least one bank with a branch in the Washington DC British Embassy building, but it's HSBC bank. I don't know if PNC has a location there, but if so, that would explain the location on the check. It would simply be a branch location.
by Mudpuppy
Sat Mar 18, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Sorting through 403b/457 options...
Replies: 20
Views: 923

Re: Sorting through 403b/457 options...

I'd personally lean towards Fidelity for your 403(b) provider due to the flat annual fee with no other fees tacked on to other activities (just because a fee is supposed to be waived if you do xyz procedure doesn't mean it will be waived, they could claim you did xya procedure instead). So I would r...
by Mudpuppy
Sat Mar 18, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6534

Re: Citi card Nightmare

The only thing I dislike is that while enjoying the 3% cash back on groceries (up to $6,000 a year) I know Amex would not be doing this unless they were selling customer data on supermarket buying habits. Good, sneaky way to recoup most of that money. I have the original Blue Cash (5% gas and groce...
by Mudpuppy
Sat Mar 18, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6534

Re: Citi card Nightmare

This is one of my concerns with viewing statements and paying bills online. I have considered just having credit card bills mailed to me. Is it worth saving a stamp to possibly have my credit score hurt by a late payment due to issues on their end or mine? You can have both paper statements and onl...
by Mudpuppy
Sat Mar 18, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6534

Re: Citi card Nightmare

UPDATE: Good news, when I checked my bank online this morning I saw where the payment went thru. Not as an ACH debit, but as a "substitute check" instead. Which tells me that the technical issues with the website are STILL NOT FIXED Over 3 weeks later. As soon as I get my final statement ...
by Mudpuppy
Sat Mar 18, 2017 2:26 am
Forum: Personal Finance (Not Investing)
Topic: PTO issue with Wife's work
Replies: 14
Views: 1983

Re: PTO issue with Wife's work

To keep this actionable, what point do you let PTO become a driving factor in an employment decision. This would be about $6K worth of PTO. Are there any other avenues you would consider to help resolve this issue? If you feel this policy is in violation of state labor laws, then consulting with th...
by Mudpuppy
Sat Mar 18, 2017 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6534

Re: Citi card Nightmare

Thanks, Jack, stopped using Citicard and switched to AmEx Everyday Blue Cash instead. I just want to know how to protect myself if they never follow thru on drafting my account for the March 16 payment. You have the written correspondence with the letter, but I would suggest following up with verba...
by Mudpuppy
Fri Mar 17, 2017 10:00 am
Forum: Forum Issues and Administration
Topic: Breakdown of Posts According to Forums
Replies: 5
Views: 378

Re: Breakdown of Posts According to Forums

If it's a resource hog and it only provides moderate benefit to the users (e.g. do I really need to know a user spends 50% of their posting in Consumer Issues in order to answer their question accurately?), then I don't see the problem in disabling it. I'd rather the forum be quick than spend CPU ti...
by Mudpuppy
Fri Mar 17, 2017 9:56 am
Forum: Forum Issues and Administration
Topic: Extremely Short 'Stay Logged In' Time
Replies: 15
Views: 1185

Re: Extremely Short 'Stay Logged In' Time

Have you checked your User Control Panel -> Profile -> Manage "Remember Me" screen to make sure that the forum is appropriately storing your session key? If you have the cookie but the forum isn't storing the key, it's like you never even clicked "Remember Me" and it will log you...
by Mudpuppy
Fri Mar 17, 2017 2:25 am
Forum: Forum Issues and Administration
Topic: Extremely Short 'Stay Logged In' Time
Replies: 15
Views: 1185

Re: Extremely Short 'Stay Logged In' Time

Are you always navigating from the same landing page (either the forum index or Boglehead's main site) or are you switching between the landing page and bookmarks / Google searches? I seem to recall a similar issue in the past with a user that was switching between http and https due to mixing up th...
by Mudpuppy
Tue Mar 14, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing vs. Optimizing Fund Choices across 457b and 403bs
Replies: 1
Views: 255

Re: Rebalancing vs. Optimizing Fund Choices across 457b and 403bs

You haven't specified what percentage the 457(b) at Nationwide is of your overall portfolio. That's an important piece of information to answer your questions. For example, if your 457(b) is 30% of your portfolio and your asset allocation calls for 40% in U.S. large cap funds, you could have the ent...
by Mudpuppy
Tue Mar 14, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 212
Views: 38720

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

I'll add my voice to the chorus that says to report this as financial abuse of an elder / disabled adult. Abuse is not always physical, and financial abuse is a common way the elderly and disabled fall prey to abusive situations. That the courts have ordered an accounting of his time as POA may be e...
by Mudpuppy
Mon Mar 13, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1460

Re: web access in a power failure

At which point, we have significant urban blackspots within metropolitan London (and not just tall buildings, I mean separate towns which are still inside the M25 ring highway. The issue with cellular coverage in an urban environment is more related to building materials and population density than...
by Mudpuppy
Mon Mar 13, 2017 1:20 am
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1460

Re: web access in a power failure

The issue is not how long you can have power in a power outage. The issue is how long your ISP can have power to its infrastructure in a power outage. A cellular tower might last a couple of hours on its built-in battery back-up. However, anything involving fiber optics (including copper-fiber hybri...
by Mudpuppy
Mon Mar 13, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 213
Views: 15639

Re: gratuitous homeownership items

I think about this every time I see the solar panels on the roof of my neighbor's house that are perfectly shaded by my 50' maple tree... Just wait until you get sued for blocking the light. :) You joke, but there have been lawsuits over just this issue... very expensive lawsuits in some cases. Her...
by Mudpuppy
Sun Mar 12, 2017 9:01 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 165
Views: 147600

Re: Please Try Out Test Posts Here

That error says there's a problem with the link (or that it's not an image). There's something wrong with the URL you posted. At the time of this post, clicking on the link directly resulted in an error "Server not found". I think there's a problem with the image hosting server (not your ...
by Mudpuppy
Sun Mar 12, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 149
Views: 9851

Re: 2017 hedge fund contest

Somewhat surprised to see that my musically inspired choices have risen to 5th place overall.
by Mudpuppy
Sun Mar 12, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: checking account debit at the speed of light
Replies: 14
Views: 1508

Re: checking account debit at the speed of light

My credit card takes several days to debit the account for a payment. Overnight I used for the first time the IRS make an estimated tax payment over the web thing. Whoosh at the speed of light my checking account has already been debited. Just wondering why the difference? Same-day ACH only became ...
by Mudpuppy
Sun Mar 12, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Are you concerned that your bankers do not use 2 factor authenication?
Replies: 6
Views: 566

Re: Are you concerned that your bankers do not use 2 factor authenication?

There is already an inherent second-factor in banking logins: they have to be physically present at one of the allowed terminals. Someone trying to access one of the systems who is not physically authorized to be there is pretty much treated the same as someone trying to rob the bank. The security t...
by Mudpuppy
Sun Mar 12, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Digital Day at Amazon: H&R Block tax s/w
Replies: 5
Views: 954

Re: Digital Day at Amazon: H&R Block tax s/w

The only thing I ended up getting for Digital Day was two Kindle books for $1.99 each. I prefer the boxed tax software instead of the download version, so I'll wait until Monday (January 2nd) and see if Amazon has the sale on H&R Block that they've had on January 2nd for several years. Is there...
by Mudpuppy
Sun Mar 12, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Cuttting the cable tv negotiation & the scam
Replies: 33
Views: 3079

Re: Cuttting the cable tv negotiation & the scam

Thanks for the feed back You suggestion of If USPS will tell you the name of the private shipper, you can contact them to see if they know where the package is. is something I will followup on. I hope it's successful. And I have argued for a reduction in the past (before I started my "always i...
by Mudpuppy
Sun Mar 12, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Cuttting the cable tv negotiation & the scam
Replies: 33
Views: 3079

Re: Cuttting the cable tv negotiation & the scam

We are in the midst of trying to cut the cable cord but all they give us is another package with fewer stns and not much more than $10 off. We are trying Hulu and Amazon Prime but the wife wants the TCM old movies that are only on Optimum cable. Any advice? This is an issue that arises often with t...
by Mudpuppy
Sun Mar 12, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 213
Views: 15639

Re: gratuitous homeownership items

Homeowners: Is there anything that you thought would be an asset when you bought your home and later found it to be gratuitous? For example, my husband wanted a pool. After 8 years, I find it to be a waste given the amount of $$ in water charges to maintain the water level, the fact that he uses it...
by Mudpuppy
Sun Mar 12, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: What to do about a bad neighbor in same unit -- both renters of same landlord.
Replies: 39
Views: 3897

Re: What to do about a bad neighbor in same unit -- both renters of same landlord.

State that you are considering contacting the "Department of Health" to address the situation, again, because of your concerns for your family health and safety. This seems awfully confrontational, as well as not fully actionable. Having a neighbor who smokes and who forgets to open the g...
by Mudpuppy
Sat Mar 11, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: What to do about a bad neighbor in same unit -- both renters of same landlord.
Replies: 39
Views: 3897

Re: What to do about a bad neighbor in same unit -- both renters of same landlord.

My first recommendation would be to stop thinking about what you can do to "remove this neighbor". It is not your property. It is your landlord's property. It is up to your landlord to decide if the tenant is violating the lease, not you. If you keep thinking in this mindset, I fear you wi...

Go to advanced search