Search found 4527 matches

by Mudpuppy
Mon Jan 16, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6144

Re: Disheartening to hear this about Vanguard

https://www.consumeraffairs.com/automated-investment-services/vanguard.html Just some food for thought, but companies can purchase a "membership" on that particular site, which is run by a private, for-profit company. According to its own FAQ page (https://www.consumeraffairs.com/about/fa...
by Mudpuppy
Mon Jan 16, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does it sound like my employer trying to push me out?
Replies: 57
Views: 5123

Re: Does it sound like my employer trying to push me out?

You need to network with people to find out if that list of requirements is really set in stone or if it's just intended to scare people off. Unless the ad has been designed with hiring a particular person in mind, job ads are often looking for a "purple squirrel", but they'll settle for ...
by Mudpuppy
Mon Jan 16, 2017 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Does it sound like my employer trying to push me out?
Replies: 57
Views: 5123

Re: Does it sound like my employer trying to push me out?

I agree and have been looking around a bit. I wear so many hats (i.e. jack of all trades) that I just don't qualify for a lot of jobs that are posted, and employers are so picky. You might know A, B, C, F, G, I, J, and K. They want D, E, F, G, J, and M. Most of them are not willing to budge if you ...
by Mudpuppy
Sun Jan 15, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Does it sound like my employer trying to push me out?
Replies: 57
Views: 5123

Re: Does it sound like my employer trying to push me out?

How should I play this? Should I embrace my new "leadership role" even though I don't have the title? Should I talk to my boss and/or go over his head about my concerns and see if I can get an honest answer? Forget about it and start seriously looking for something else? On your previous ...
by Mudpuppy
Sun Jan 15, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 1546

Re: Dishwasher Maintenance

I run vinegar through the dishwasher every so often, to deal with both odors and scale build-up. It's in my dishwasher manual, so I just follow their steps for the amount and cycle to use.
by Mudpuppy
Sun Jan 15, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 40
Views: 3110

Re: How High is Your TV?

Like most others, I keep mine at eye level while sitting on the couch. But something else you should buy, if you're not going to mount it to the wall, is an earthquake strap to attach the TV to the entertainment stand. Unlike the hulking CRT TVs, which have enough weight to stay in place unless real...
by Mudpuppy
Sun Jan 15, 2017 4:48 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!
Replies: 21
Views: 3693

Re: Bogleheads is back!

Is anyone else having intermittent problems reaching the forum and getting "server DNS address could not be found" errors? For the past ten minutes or so I couldn't reach the site and http://www.downforeveryoneorjustme.com/bogleheads.org also confirmed the site as down. Obviously it's bac...
by Mudpuppy
Sun Jan 15, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Still celebrating the small financial victories
Replies: 2
Views: 310

Still celebrating the small financial victories

In December 2013, I posted about celebrating the small financial victories for those of us still in the accumulation stage. As I said back then, it can sometimes be discouraging to some to see all the posts at the new year about people's larger financial victories (house paid off, millionaire club, ...
by Mudpuppy
Sat Jan 14, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Comp (457b) vs Roth IRA
Replies: 5
Views: 591

Re: Deferred Comp (457b) vs Roth IRA

Your current 7.5% investment rate at your given gross salary is barely enough to max out the Roth IRA. If you are that unsure about the future of your pension plan, you need to seriously consider increasing your investment rate so you can put aside more money for retirement. This is less about tax r...
by Mudpuppy
Sat Jan 14, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidating my 401ks
Replies: 10
Views: 606

Re: Consolidating my 401ks

His 401k 10% OLD OLD EDUCATION "UCP" --> I'm not sure if this is a 457(b) plan or not. I think it's a "UCP", whatever that means. This is through Fidelity, and has a low fee of 0.15% for the total plan. UC PATHWAY 2045 Stocks 85% Bonds 12% Short term inv 4% If you were previousl...
by Mudpuppy
Fri Jan 13, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Bonded Leather
Replies: 12
Views: 1072

Re: Bonded Leather

As the others have said, either have it reupholstered or replace it. The bonded leather used in office chairs is usually very low quality (all bonded leather is low quality, but the commodity products like office chairs are often really low quality). Once the backing starts to peel away, it's pretty...
by Mudpuppy
Fri Jan 13, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Question regarding data mining
Replies: 9
Views: 838

Re: Question regarding data mining

fishboat- thank you so much for that response. That definitely helps a ton. Do you believe someone getting that type of masters degree or wanting to pursue it need to have a great understanding of statistics and coding? If there isn't a bunch of knowledge there, is it not worth trying to get into? ...
by Mudpuppy
Fri Jan 13, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: what local pharmacy?
Replies: 52
Views: 2332

Re: what local pharmacy?

RiteAid has gone from really good to annoying over the past several years. The problem is their Not In Time inventory system. If I need a refill authorized for something they don't stock in the local pharmacy, and most of my meds they don't stock, that means a day or two for the refill authorizatio...
by Mudpuppy
Thu Jan 12, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 3906

Re: The funk - gym clothes

My cotton/polyester blend shirts never get totally clean smelling in the pit area, the rest of the shirt smells fine though. I'm going to try the 1/2c vinegar in the softener bin trick to see if it helps. Build-up of aluminum antiperspirant is responsible for the "yellow pit" phenomenon, ...
by Mudpuppy
Thu Jan 12, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 83
Views: 11503

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

The OP posted this a year ago, so the decision has long since been made.
by Mudpuppy
Wed Jan 11, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Home stretch — Where best to accumulate when close to early retirement?
Replies: 12
Views: 2114

Re: Home stretch — Where best to accumulate when close to early retirement?

I believe it's "normal retirement age" as defined by your employer, not as defined by Social Security. Here's how the California Savings Plus Plan defines it (from https://www.savingsplusnow.com/iApp/tcm/savingsplusnow/learning/library/catch-up_contributions.jsp): Normal Retirement Age is ...
by Mudpuppy
Wed Jan 11, 2017 2:39 am
Forum: Investing - Help with Personal Investments
Topic: New to the Site [457 Roth?]
Replies: 3
Views: 260

Re: New to the Site [457 Roth?]

I'd agree to seek out a high-yield savings account or CD for the house down-payment if your purchase window is within the next few years. You could also consider putting the money into I-Bonds as those will never drop below a 0% rate and the rate adjusts to inflation every 6 months. But you there ar...
by Mudpuppy
Wed Jan 11, 2017 2:28 am
Forum: Investing - Help with Personal Investments
Topic: Home stretch — Where best to accumulate when close to early retirement?
Replies: 12
Views: 2114

Re: Home stretch — Where best to accumulate when close to early retirement?

Does your employer's 457b plan provide the special catch-up provision for the three years before retirement? This can be a great way to squirrel away more money if you have not been maximizing contributions to the 457b plan and you are within three years of retirement. Here is the provision (from ht...
by Mudpuppy
Wed Jan 11, 2017 2:15 am
Forum: Investing - Help with Personal Investments
Topic: Lose 403(b) Benefits if Rollover?
Replies: 8
Views: 749

Re: Lose 403(b) Benefits if Rollover?

For example: Would a 457 that is rolled over to Vanguard retain the slightly different rules about about when you can withdraw funds without penalty. If you roll a 457b plan over to an IRA, you lose the "no penalty for early withdraw if separated from the employer" benefit. I believe you ...
by Mudpuppy
Wed Jan 11, 2017 1:43 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 120
Views: 6233

Re: 2017 hedge fund contest

I think everyone should have to pick 3 longs and 3 shorts. Agreed for the 2018 contest. Just as an FYI, the contest did have a fixed number of longs and shorts a few years back. That rule can be a little constricting for those of us with fund themes (my fund was hard enough to build from musical in...
by Mudpuppy
Tue Jan 10, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 2805

Re: Turned 30! Women's advice for skin care??

So here is a question, does skin care cream ever go bad or expire? Yes, cream can go bad. This could range from separating to going rancid, depending on the product. Fragrances can also go bad over time, leading to unpleasant odors even if the underlying oils have not gone rancid. And if you'd prev...
by Mudpuppy
Mon Jan 09, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 2805

Re: Turned 30! Women's advice for skin care??

Grt2bOutdoors wrote:So here is a question, does skin care cream ever go bad or expire?

Yes, cream can go bad. This could range from separating to going rancid, depending on the product. Fragrances can also go bad over time, leading to unpleasant odors even if the underlying oils have not gone rancid.
by Mudpuppy
Mon Jan 09, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 2805

Re: Turned 30! Women's advice for skin care??

There is SOOO much information on-line that I'm at a loss of where to start. I use Cerave cleanser in the AM and PM, Cerave SPF daytime moisturizer, and prescription retinol at night. Apparently there are serums, anti aging eye creams, face creams that add/take away/enhance/zap everything and anyth...
by Mudpuppy
Sun Jan 08, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Getting help for aging Grandmother
Replies: 16
Views: 1356

Re: Getting help for aging Grandmother

Thanks all for the help! Much appreciated. Right now additional help is just needed when my parents go on vacation and hopefully that will be the case for a while but down the road depending on my grandmother's and parents health, an assisted living place may be the only viable option. We've used l...
by Mudpuppy
Sun Jan 08, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Getting help for aging Grandmother
Replies: 16
Views: 1356

Re: Getting help for aging Grandmother

Thanks all for the help! Much appreciated. Right now additional help is just needed when my parents go on vacation and hopefully that will be the case for a while but down the road depending on my grandmother's and parents health, an assisted living place may be the only viable option. We've used l...
by Mudpuppy
Sun Jan 08, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Virtual Machines for Finances, etc.
Replies: 22
Views: 1568

Re: Virtual Machines for Finances, etc.

You'd hope it was rewritten with better security practices in mind, but my experiences with the average developer these days make me doubt that. Some just aren't even aware of certain language-specific security issues, like integer promotion within the C/C++ languages and how that can be used as a ...
by Mudpuppy
Sun Jan 08, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Virtual Machines for Finances, etc.
Replies: 22
Views: 1568

Re: Virtual Machines for Finances, etc.

Always use the 64-bit version of software if it's available. Code had to be re-written for the 64-bit version. That means the code is newer, was reviewed more recently, and developed using newer (more secure) writing standards and practices. 32-bit software might still be using some of the same cod...
by Mudpuppy
Sun Jan 08, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 25044

Re: Chase Sapphire Reserve: Too good to be (completely) true

What reason did they give you for the refusal? Lack of recent installment loan info Too few accounts currently paid as agreed - we have 2 accounts which are always paid in full each month Balances on revolving accounts are too high compared with credit limits - we don't carry any balances Too many ...
by Mudpuppy
Sat Jan 07, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Amex blue cash - when does the $6500 threshold "restart"?
Replies: 16
Views: 1297

Re: Amex blue cash - when does the $6500 threshold "restart"?

The letter Blevine received has been received by some, but not all, original Blue Cash card holders. AmEx is converting some card holders over to the Blue Cash Everyday card. It's unclear the criteria by which they are selecting people for this conversion. My anniversary is also in February and I've...
by Mudpuppy
Sat Jan 07, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: VM or Remote Desktop solution for full screen video performance
Replies: 5
Views: 268

Re: VM or Remote Desktop solution for full screen video performance

I have multiple monitors and routinely leave a VM in full-screen mode on one of the side monitors. VMware has been able to do this for many, many years and my current desktop is just using integrated Intel HD graphics instead of a dedicated video card. I've had no problems playing videos in full-scr...
by Mudpuppy
Sat Jan 07, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 120
Views: 6233

Re: 2017 hedge fund contest

It also looks like the open price for BREW in paper200's fund "Billionaire Yacht Fund Ticker MYG" and for GOGO in boo-yah's "The Unstable Value Fund" fund were not reset to the January 6th closing price. Or there's a rounding issue between the open and close columns that just hap...
by Mudpuppy
Sat Jan 07, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3676

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

There have been several attacks on fingerprint scanners using photos of fingerprints or standard fingerprint lifts as the source of the duplicate fingerprint. As I recall, the iPhone 6 fingerprint scanner didn't even last a week before someone was able to trick it. Also, you should never rely on the...
by Mudpuppy
Sat Jan 07, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Protecting information on cell phone
Replies: 10
Views: 1053

Re: Protecting information on cell phone

Encrypt the phone and any SD card installed with a reasonably strong password (I say "reasonably" because entering long passwords on the Android keyboard can be tedious). Use a lock password instead of just a lock code. Set up a "find my phone" service in case it gets stolen, pr...
by Mudpuppy
Sat Jan 07, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Virtual Machines for Finances, etc.
Replies: 22
Views: 1568

Re: Virtual Machines for Finances, etc.

You gain very little by using a VM for sensitive operations. If the host machine gets pwned, game over--and presumably that's what you're doing your day-to-day browsing, email, etc on. If you truly want to go this route, more effective options would be: A) Use the host OS strictly for sensitive wor...
by Mudpuppy
Fri Jan 06, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: AT&T cell: way to avoid paying for spam texts?
Replies: 21
Views: 1339

Re: AT&T cell: way to avoid paying for spam texts?

Back when I did not have unlimited text messaging, there was a way to notify AT&T of a spam text message and not get charged for it. Look up on their customer support website (or call and ask) if such a method still exists.
by Mudpuppy
Fri Jan 06, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Re: Cookies that don't go away

Deleting an email in the browser cache does not delete the email from the mail server. You have to delete it from the mail server to make it go away. Try a different browser or try to delete it from the index instead of within the message. Contact the email provider if you have issues doing this.
by Mudpuppy
Fri Jan 06, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Protecting information on cell phone
Replies: 10
Views: 1053

Re: Protecting information on cell phone

Encrypt the phone and any SD card installed with a reasonably strong password (I say "reasonably" because entering long passwords on the Android keyboard can be tedious). Use a lock password instead of just a lock code. Set up a "find my phone" service in case it gets stolen, pre...
by Mudpuppy
Thu Jan 05, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Wake up lights?
Replies: 11
Views: 1099

Re: Wake up lights?

I have delayed sleep phase disorder, which means my "natural" wake-up time is around 11:00am. Obviously, that doesn't work well for normal working hours. In the past, I would turn off three audible alarms and just fall back asleep. Now, I have a sunrise alarm clock that starts lighting up ...
by Mudpuppy
Thu Jan 05, 2017 2:02 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 120
Views: 6233

Re: 2017 hedge fund contest

Wake Me Up When December Ends Fund

Long:
AME (AMETEK INC)
RECN (RESOURCES CONNECTION)

Short:
IDT (IDT CORP)

My original list of shorts was stymied by a late year fund name change, so this shortened list of shorts will have to suffice.
by Mudpuppy
Thu Jan 05, 2017 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Student loan extra payment not applied to principal
Replies: 3
Views: 409

Re: Student loan extra payment not applied to principal

In my experience, all extra payments go first towards any unpaid interest, then whatever is left goes towards principal. The best way to avoid this is make a payment the day after your normal payment is made/withdrawn. Then there will be very little accrued interest. That has been my experience as ...
by Mudpuppy
Wed Jan 04, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Financial Engines
Replies: 42
Views: 3323

Re: Getting rid of Financial Engines

Pay the fee to terminate FE's services and consider it a lesson in knowing what one agrees to before agreeing to anything. There was no "agreement" initially, and at no time was there "agreement" not under duress. Being confused about the nature of the services before agreeing t...
by Mudpuppy
Wed Jan 04, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Avoiding Hacking / Responsible Steps To Take Online
Replies: 18
Views: 1637

Re: Avoiding Hacking / Responsible Steps To Take Online

I like the fingerprint login which Chase and Express Scripts have. I worry about password managers because they could be hacked and then all is given up. Just make sure you don't have any people with shopping aspirations around while you're sleeping. See this lesson parents learned about using fing...
by Mudpuppy
Wed Jan 04, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Avoiding Hacking / Responsible Steps To Take Online
Replies: 18
Views: 1637

Re: Avoiding Hacking / Responsible Steps To Take Online

Curious -- I own some domains that are "by proxy" on GoDaddy.com -- but there is some sort of "private option" which they are not. I'm not quite sure I understand the question. If you are asking about the anonymizing services that some registrars provide, such services alter the...
by Mudpuppy
Wed Jan 04, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Avoiding Hacking / Responsible Steps To Take Online
Replies: 18
Views: 1637

Re: Avoiding Hacking / Responsible Steps To Take Online

One of the suggestions is an ID Theft Protection company. The author recommends "AllclearID" but I'd be curious if any of the more techy guys on here have any better solutions for this type of solution (on top of everything else) My thinking is that while this might not be crucial it seem...
by Mudpuppy
Wed Jan 04, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Financial Engines
Replies: 42
Views: 3323

Re: Getting rid of Financial Engines

Pay the fee to terminate FE's services and consider it a lesson in knowing what one agrees to before agreeing to anything. There was no "agreement" initially, and at no time was there "agreement" not under duress. Being confused about the nature of the services before agreeing t...
by Mudpuppy
Wed Jan 04, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Financial Engines
Replies: 42
Views: 3323

Re: Getting rid of Financial Engines

Pay the fee to terminate FE's services and consider it a lesson in knowing what one agrees to before agreeing to anything.
by Mudpuppy
Wed Jan 04, 2017 2:28 am
Forum: Investing - Help with Personal Investments
Topic: Help with 457
Replies: 3
Views: 375

Re: Help with 457

The Wiki link arcticpineapplecorp posted didn't post correctly. Here it is https://www.bogleheads.org/wiki/457%28b%29 Is this a governmental 457b or a non-governmental 457b? I would assume governmental since you also have access to a 403b, but that is not a given as some non-profits also offer both ...
by Mudpuppy
Tue Jan 03, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Long Term Pet Care
Replies: 16
Views: 1249

Re: Long Term Pet Care

I need a place to put one large dog and small dog for 3 or 4 months in florida during my move is there any cost effective place to put them I dont know any friends or family that can take them for that long Why will it take you 3-4 months to move? There are many short-term housing options which all...
by Mudpuppy
Mon Jan 02, 2017 2:29 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 670
Views: 16201

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

*** Search tips *** The top of every forum thread contains a search box for that topic (not in the header, but above the first post on the page). The box will contain "Search this topic..." Before making your prediction, search this thread ("topic") to be sure it's not already t...
by Mudpuppy
Sun Jan 01, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 70
Views: 6301

Re: H&R Block Tax Software for 2016

Just a heads-up that H&R Block is currently available as a digital download on Newegg for 50% off with promo code EMCFGHF44. There's a whole bunch of bundled deals associated with that, but you can also get the Deluxe + State at the same link for $22.47. https://slickdeals.net/f/9622772-h-r-blo...

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