Search found 4611 matches

by Mudpuppy
Thu Feb 23, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 675
Views: 18272

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

Im sorry I missed the 2017 registration being on vacation but I saw this article today which may be of interest to see how your predictions are going. Heres an excerpt: "2017 is basically over, at least for the S&P 500 Index. The market bellwether has already reached the average year-end t...
by Mudpuppy
Wed Feb 22, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Maternity leave and Condo Loss = opportunity to liquidate taxable
Replies: 9
Views: 840

Re: Maternity leave and Condo Loss = opportunity to liquidate taxable

If I am interpreting your question correctly, it's about whether it would be wise to realize the capital gains now in order to change the investing direction of your taxable account away from individual stocks. What is your projected tax bracket for 2016 and how do you plan to change your investment...
by Mudpuppy
Mon Feb 20, 2017 3:39 am
Forum: Personal Consumer Issues
Topic: Dashcam recommendations
Replies: 26
Views: 3277

Re: Dashcam recommendations

Seems to me that law is focusing on cameras you typically see in taxis that record the inside for protection of the driver. Aren't dashcams pointing outward? (forward) Nope, the section I quoted is for private vehicles. Additional provisions for taxis and other commercial vehicles are covered in th...
by Mudpuppy
Sun Feb 19, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Dashcam recommendations
Replies: 26
Views: 3277

Re: Dashcam recommendations

The second problem that bothers me is due to the murky wording of the law which says you can only save 30 seconds of video before and after a "triggering event". This camera and all others I have checked record continuously in short segments that overwritten unless marked protected due to...
by Mudpuppy
Sun Feb 19, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Novice hotel billing question-Chase Sapphire rewards credit
Replies: 6
Views: 517

Re: Novice hotel billing question-Chase Sapphire rewards credit

As long as the charge is categorized as travel, which food and incidentals charged to the room have always been categorized as travel for me, then the $300 travel credit should apply.
by Mudpuppy
Sat Feb 18, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 34
Views: 2646

Re: Wifi Router Advice

Also, does have to plug into the cable modem or does it connect wirelessly ? If I remember correctly, the free Spectrum cable modem has no wireless support. So you'll need to connect any WiFi router to it using an Ethernet cable. If you look at the underside picture of the Google WiFi access point,...
by Mudpuppy
Sat Feb 18, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3625

Re: How do you handle switching your handbag?

... and zero-drop, thin-soled shoes for workouts. These can be hard to find. Mind sharing a brand and style? They're the Body Glove water shoe/aqua sock from several years ago. The style I have has been discontinued, hence buying several pairs on clearance and putting them in storage. Looking at Bo...
by Mudpuppy
Sat Feb 18, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 35
Views: 4964

Re: The russians are hacking me

I would never store my passwords on a device of any kind that has internet access. You are wise. I've got news for you. If you use an Internet website, the password you use for that website is stored online. Now, one hopes that the website takes appropriate security measures and stores only the pas...
by Mudpuppy
Sat Feb 18, 2017 2:23 am
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3625

Re: How do you handle switching your handbag?

I have one bag, one clutch, and a backpack bag that I use as a briefcase and laptop bag. The clutch only gets used for formal events. The bag and backpack get used until they break. Even then, I might break out the sewing kit and repair it if I really like the functionality of the bag. Each was unde...
by Mudpuppy
Sat Feb 18, 2017 1:38 am
Forum: Personal Consumer Issues
Topic: What constitutes Preventative Care?
Replies: 12
Views: 903

Re: What constitutes Preventative Care?

As I learned the hard way, once you bring up a condition during a physical exam, it ceases to be preventative. In my case, it was a trip-acquired illness that was still lingering at the time of my physical. I was able to negotiate to have the standard physical blood-work re-coded as preventative. I ...
by Mudpuppy
Sat Feb 18, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 35
Views: 4964

Re: The russians are hacking me

I have a website that periodically gets dozens of repeated hackIng attempts. They are easy to spot in the site's logs. I finally got so tired of them that I gathered all the IP addresses from the Ukraine and shut them out of my site. No hacking assaults since! So now you got the bears. Don't forget...
by Mudpuppy
Sat Feb 18, 2017 1:10 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 34
Views: 2646

Re: Wifi Router Advice

Now, spectrum will provide a cable modem at no charge but wifi carries a monthly charge - so I am getting my own wifi router. Anyone have recommendation for this ? ( my cable company is Spectrum- formerly Brighthouse Networks). Unlike a cable modem, where you have to make sure it's compatible with ...
by Mudpuppy
Wed Feb 15, 2017 3:30 am
Forum: Personal Consumer Issues
Topic: Contractors Estimates (accessory dwelling unit). What should we look for?
Replies: 12
Views: 1105

Re: Contractors Estimates (accessory dwelling unit). What should we look for?

I'm in a similar situation, looking to build a "granny flat" or as most people here call it, a shed. I heard about this company call Studio Shed from another forum that offer kits homes (studio) that can be ship to your location and they have recommended contractors. They even have instru...
by Mudpuppy
Tue Feb 14, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Contractors Estimates (accessory dwelling unit). What should we look for?
Replies: 12
Views: 1105

Re: Contractors Estimates (Granny Unit). What should we look for?

What is a "Granny Unit"? I've never heard that phrase. Are you talking about an entire house of some sort, or an addition to an existing house? If you are working with an architect, I guess I can assume you are not talking about a modest or simple project. A granny unit or granny flat is ...
by Mudpuppy
Mon Feb 13, 2017 1:37 am
Forum: Forum Issues and Administration
Topic: Site OFFLINE TODAY, Saturday, at 4 PM Eastern (21:00 UTC)
Replies: 32
Views: 2308

Re: relocation [Bogleheads website temporarily relocated]

Good question, as an engineer would have the same questions for an investing forum, e.g. What does Index fund mean? :) Here you go: What is a Colocation Facility? Update: I corrected the thread title to say that the website has moved to a different server. That is interesting, I imagined a home ser...
by Mudpuppy
Sun Feb 12, 2017 6:25 pm
Forum: Forum Issues and Administration
Topic: Site OFFLINE TODAY, Saturday, at 4 PM Eastern (21:00 UTC)
Replies: 32
Views: 2308

Re: relocation [Bogleheads website temporarily relocated]

Good question, as an engineer would have the same questions for an investing forum, e.g. What does Index fund mean? :) Here you go: What is a Colocation Facility? Update: I corrected the thread title to say that the website has moved to a different server. That is interesting, I imagined a home ser...
by Mudpuppy
Sun Feb 12, 2017 6:23 pm
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 2825

Re: [Bogleheads Sites Are Ad-Free]

It appears that just about everyone seems to have overlooked my previous post upstream, so I'll repeat it here. FOR THE RECORD: While the Bogle Center does help support the Bogleheads.org forum, it does not own the forum. The owners of the forum have stated that the forum will remain ad-free and th...
by Mudpuppy
Sun Feb 12, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: PC power-up failure
Replies: 38
Views: 2254

Re: PC power-up failure

Now would be a good time to delete an important file, then try to recover it from your backup. Make a copy first, as you might find that your backup copy is too old to be useful. (That's a different problem.) Or create a test file, back everything up, delete the test file, and try to restore it. An...
by Mudpuppy
Sun Feb 12, 2017 2:24 am
Forum: Personal Consumer Issues
Topic: PC power-up failure
Replies: 38
Views: 2254

Re: PC power-up failure

Just because the rest of the items on the surge strip are fine doesn't mean the computer weathered the power outage successfully. The PSU and other components are far more sensitive to dirty power than your other electronics. If you are seeing absolutely no signs of power to anything, the PSU is lik...
by Mudpuppy
Sun Feb 12, 2017 2:19 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9124

Re: Your USER NAME...what does it mean?

whonoze wrote:Spur of the moment decision.
Maybe.
What do you think?

My bad pun side compels me to reply to this question with "who knows". (pun hint: look at the username)
by Mudpuppy
Sun Feb 12, 2017 1:37 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9124

Re: Your USER NAME...what does it mean?

This is a mudpuppy: http://www.ct.gov/deep/cwp/view.asp?a=2723&q=567608&deepNav_GID=1655 I have degrees in both biology and computer science. While my career is in the later, I have not forgotten the former. The mudpuppy and axolotl tanks really interested me when I was younger, and I starte...
by Mudpuppy
Sun Feb 12, 2017 1:25 am
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 2825

Re: [Bogleheads Sites Are Ad-Free]

Staying ad-free seems the simplest solution. Increase the prominence of the donation/ AMAZON AD link perhaps, but ads just seem like a large can of worms philosophically speaking. That doesn't even get into the technicalities of integrating ads within the phpBB software. Fixed that for you. The can...
by Mudpuppy
Sun Feb 12, 2017 1:18 am
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 2590

Re: welcome home bogleheads.org

Switch doesn't mess around when it comes to their data centers, both from a technological perspective and a security perspective. They've spent billions on their data centers (and solar plant partnerships to power the data centers). Here's an article about the expansions planned a couple years ago t...
by Mudpuppy
Sun Feb 12, 2017 12:51 am
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 2825

Re: [Bogleheads Sites Are Ad-Free]

If the ads are pre-screened to be consistent with the Boglehead philosophy, then we get back to that chicken-and-egg scenario already described: you need someone to screen the ads before selling the space, but how do you pay that person without the revenue from the ads? If an ad service is used, no ...
by Mudpuppy
Sat Feb 11, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Pet Owners: Bissell 1940 or 1544A Steamer Mop
Replies: 9
Views: 819

Re: Pet Owners: Bissell 1940 or 1544A Steamer Mop

Neither, all those pet vacs stink. Just use nature's miracle, they have it at pet stores. FYI, they just changed the formula of Nature's Miracle a couple of months ago. The enzymes have moved from second ingredient to fourth ingredient. The surfactants have moved up to second ingredient. This has r...
by Mudpuppy
Sat Feb 11, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Academia female professional seeking your suggestion
Replies: 53
Views: 8848

Re: Academia female professional seeking your suggestion

Most of your questions seem to relate to asset allocation. Do you have an Investment Policy Statement (IPS) yet? Here's the Wiki on it: https://www.bogleheads.org/wiki/Investment_policy_statement Your IPS would define what sort of split you want between U.S. stocks, international stocks, and bonds (...
by Mudpuppy
Thu Feb 09, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: 457, Roth, and plan through employer
Replies: 5
Views: 528

Re: 457, Roth, and plan through employer

You said "government-type" position. Does that mean this is a government 457(b) plan? The answers to some of your questions (such as if there's an early withdrawal penalty) depend on this. For more details on the differences between government and non-government 457(b) plans, refer to the ...
by Mudpuppy
Thu Feb 09, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5321

Re: Hardwood floors vs Wood Look Tile?

Is LVP more durable than sheet vinyl? I accidentally dropped a set of keys on a sheet vinyl floor which caused scratches/holes. I was thinking about getting tiles for kitchen/baths and engineered wood for the rest of the house but am concerned about cold/hard surface from tile and scratches from wo...
by Mudpuppy
Wed Feb 08, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5321

Re: Hardwood floors vs Wood Look Tile?

Before you commit to vinyl, do some research on toxic chemicals, such as pthalates, in vinyl. Many people would not choose to have it in a home with small children. YMMV, of course. please provide supporting information - that is quite a claim to put out on here with nothing to back it up. http://w...
by Mudpuppy
Wed Feb 08, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Pet Owners: Bissell 1940 or 1544A Steamer Mop
Replies: 9
Views: 819

Re: Pet Owners: Bissell 1940 or 1544A Steamer Mop

Neither, all those pet vacs stink. Just use nature's miracle, they have it at pet stores. FYI, they just changed the formula of Nature's Miracle a couple of months ago. The enzymes have moved from second ingredient to fourth ingredient. The surfactants have moved up to second ingredient. This has r...
by Mudpuppy
Tue Feb 07, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5321

Re: Hardwood floors vs Wood Look Tile?

Interesting, I hadn't thought of vinyl flooring. Will definitely look into that. How does it feel underfoot? Can you tell it's vinyl? I've had wood-patterned sheet vinyl in the bedroom wing of my house for a decade now. It was a 25yr or 30yr Armstrong product with a stain-resistant coating. It also...
by Mudpuppy
Tue Feb 07, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Pet Owners: Bissell 1940 or 1544A Steamer Mop
Replies: 9
Views: 819

Re: Pet Owners: Bissell 1940 or 1544A Steamer Mop

For a single cat, you probably don't even need a pet-specialized steam mop. Just make sure to clean up hairballs as they happen with a pet safe, surface safe cleaner, so they don't have a chance to dry out and set in. If you want a new steam mop anyways, the more expensive model comes with a removab...
by Mudpuppy
Sun Feb 05, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Drawbacks to using rack server unit as desktop computer?
Replies: 14
Views: 1222

Re: Drawbacks to using rack server unit as desktop computer?

A few things to keep in mind. Dell PowerEdges of that generation can have either a PCIe or a PCI-X riser installed. While you probably would be able to find a 8x PCIe video card which does not require any power beyond what is provided by the slot, you probably won't find a PCI-X video card these day...
by Mudpuppy
Sat Feb 04, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Best if used by, sell by?
Replies: 25
Views: 2405

Re: Best if used by, sell by?

Do the dates such as sell by, best if used before, etc. indicate quality or safety of food product? Do companies really comply with it? Have there been any lawsuits because of it? This depends entirely on the product. For things like butchered meat packages or other perishables, the sell-by date is...
by Mudpuppy
Sat Feb 04, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Amazon phantom RMA label & UPS driver?
Replies: 23
Views: 1628

Re: Amazon phantom RMA label & UPS driver?

Go by Goodwill and find the ugliest, heaviest (300lb+) console TV you can find, doesn't matter if it doesn't work. Somehow get it home and wrap it up for shipping. When the UPS guy comes again have him take your 'package' back to Amazon. If you cant find an old TV, wrap up an appliance you want to ...
by Mudpuppy
Sat Feb 04, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of credit card rewards (cash back and signup bonuses)
Replies: 24
Views: 2920

Re: Taxation of credit card rewards (cash back and signup bonuses)

FWIW, my wife and I earned about 1 million frequent flyer points a couple of years ago from credit card signup bonuses, and we did not get any 1099s from Chase, Citibank, American Express, Capital One. None of these rewards involved cash over $600, however, just miles / points. That's what should n...
by Mudpuppy
Sat Feb 04, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Amazon phantom RMA label & UPS driver?
Replies: 23
Views: 1628

Re: Amazon phantom RMA label & UPS driver?

I would change all passwords on all family member accounts associated with your mailing address and Prime account (if you have prime). That includes your child away at college. Either this was a colossal mistake on Amazon's part or one of those accounts has been compromised. An account compromise is...
by Mudpuppy
Sat Feb 04, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 148821

Re: What's Your Credit Card Rewards Strategy?

For those with the Chase Sapphire Reserve did your 100,000 point bonus post immediately after you hit the required minimum spend? I hit the $4,000 (not including the $450 fee) in spend a couple of days ago and am still waiting for the bonus. Pretty sure when I hit the minimum spend for the Chase Sa...
by Mudpuppy
Fri Feb 03, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: online engineering degrees- waste?
Replies: 13
Views: 1659

Re: online engineering degrees- waste?

I graduated undergrad from a top 30 university 5 years ago. I am now doing my MBA at a local state university. I often kick myself for having not went the engineering route in undergrad. But what's done is done. I am currently in a manufacturing role that an ME degree would certainly not hurt me (n...
by Mudpuppy
Fri Feb 03, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 54
Views: 3006

Re: Pet insurance for new puppy

thanks for the replies, i think we will plan to self-insure. regarding the advice to find a good vet, how does one go about doing that? do you have to interview every vet in a reasonable distance from home? word of mouth from friends who have dogs (but what if they just went to the first vet they v...
by Mudpuppy
Thu Feb 02, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 3011

Re: Treasury Direct Account Locked

Any time I feel like having all my accounts compromised at once, I'll use an on the web password database. Agreed. I wouldn't do it. Nothing with internet access is safe, IMHO. Then use KeePass, which is stored locally on your computer as an encrypted database, not on the web. So then the attacker ...
by Mudpuppy
Wed Feb 01, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 54
Views: 3006

Re: Pet insurance for new puppy

I volunteer for a large animal rescue group and pay a lot of vet bills. Skip the insurance and spend the effort finding the best vet in your area. Better does not mean the most expensive. Some vets charge 2X other vets for the same thing. I would second this. You want to find a good vet who basical...
by Mudpuppy
Sun Jan 29, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: My Bank Put Someone Else's Money In My Account
Replies: 28
Views: 6984

Re: My Bank Put Someone Else's Money In My Account

Hi. I am in a similar situation at the moment except i believe I am the person who's money was deposited into someone else's account. Can i ask was the issue ever resolved. Did the initial person get their money back? And roughly how long did the process take? Have you contacted your bank and told ...
by Mudpuppy
Sun Jan 29, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Drivers License May not be good for air travel?
Replies: 47
Views: 4315

Re: Drivers License May not be good for air travel?

One issue is when you need to renew a passport, you have to send the old one in, and it typically takes an extended time for the new one to show up in the mail. So how would someone who travels regularly handle this without being grounded for an indeterminate period? Three possibilities spring quic...
by Mudpuppy
Sun Jan 29, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in a 457b plan offered by my job
Replies: 26
Views: 2247

Re: Should I be investing in a 457b plan offered by my job

How does any reasonably sane person rack up that kind of student debt? My guess would be medical school. I have a few family members who are doctors and they all have huge student loans (not that high though). Medical school is very demanding, so they didn't work and had to loan out all their livin...
by Mudpuppy
Sat Jan 28, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Fix a car or not?
Replies: 14
Views: 1161

Re: Fix a car or not?

I think it really does depend on the age of the car and the repair needed. New tires for a 15 year old car might approach the same cost as the worth of the car, but really wouldn't warrant getting another car. A $6000 engine and transmission replacement on a car worth $6000 might be worth considerin...
by Mudpuppy
Sat Jan 28, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: 401a/403b/457 limits
Replies: 27
Views: 1819

Re: 401a/403b/457 limits

She was told that the sum of her 403b and 401A cannot exceed 54k (not including the 6k catchup) Is that incorrect? To be clear.. she doesn't contribute to her 401A only her employer does, The 401 and 403 contribution limits are aggregate. Maybe this link can help you: https://www.irs.gov/retirement...
by Mudpuppy
Sat Jan 28, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Car Guy question
Replies: 61
Views: 5813

Re: Car Guy question

I haven't made up my mind on my next purchase. But, I am very anxious about continuing to drive it after the warranty expires while I consider my options. We all know that with age the likelihood of repairs become more likely, and with imports, they cost three times as much as domestics. Which lead...
by Mudpuppy
Sat Jan 28, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: 401a/403b/457 limits
Replies: 27
Views: 1819

Re: 401a/403b/457 limits

I have a friend who is confused by her plan options and how much she can contribute. She is getting conflicting answers from her HR people and she came to me to help. I want to run this by my fellow bogleheads so I don't give her incorrect advice. What are the conflicting answers she is getting fro...
by Mudpuppy
Sat Jan 28, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Balances - Catch 22?
Replies: 17
Views: 1098

Re: Credit Card Balances - Catch 22?

The problem is that their debt to income ratio prevents them from getting such loans under common and current underwriting rules and guidelines. Credit card "settlement" programs involve huring credit scores and ratings, as do "workout" plans with card companies. The frustrating...

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