Search found 825 matches

by zaplunken
Sat Sep 16, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 622
Views: 35826

Re: Equifax customer information leak

I decided to change the pin to unlock my credit. I have the pin #. I froze my credit report a few years old and when I did that I did not create an account because I don't have a userid or password. I clicked on everything at the Equifax site and nowhere does it address how to change my pin. Does an...
by zaplunken
Wed Sep 13, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 622
Views: 35826

Re: Equifax customer information leak

Medicare uses your SS as your id, how stupid is that? I hear this is changing to a plain old number but I'm not sure when.
by zaplunken
Wed Sep 13, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 622
Views: 35826

Re: Equifax customer information leak

I just did a security freeze with ChexSystems based upon replies to my question why them too. The security code you have to enter was almost impossible to get right . Upper or lower case? Mixed? 10 freaking trys before it was accepted cuz you get a new one each time and it's impossible to figure out...
by zaplunken
Tue Sep 12, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 622
Views: 35826

Re: Equifax customer information leak

Thanks. I doubt I'll need to open any bank accounts unless I move to another state which I doubt but who knows. It doesn't seem I need to be concerned then especially when you say there are a lot of these. I'm trying to hit all the bases having just found out about Innovis. I have had the same bank ...
by zaplunken
Tue Sep 12, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 622
Views: 35826

Re: Equifax customer information leak

I never heard of Chexsystems, I went to the link provided here. It appears they are not a credit bureau where I can order a credit report but rather a system to freeze my credit report? I read the FAQ but this is still confusing. Why would I freeze my credit with them? I understand the other 4 but t...
by zaplunken
Tue Sep 12, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports guide to the Equifax breach
Replies: 16
Views: 2939

Re: Consumer Reports guide to the Equifax breach

I would be hesitant to go to Equifax's site after this breech for anything (not that I did anyway) but when I saw the spelling of "their" check to see if you are a victim site bells rang, red flags popped up. Forget their free credit monitoring, they didn't so such a good job protecting our data why...
by zaplunken
Tue Aug 22, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 5421

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

Using words that are in dictionaries, whether English or any other language, common phrases, info about yourself (SS, birthdate, address, phone, license plate) are all dangerous regardless of length tho longer is safer. I always use the site's maximum length allowed, whatever mixture of upper/lower ...
by zaplunken
Tue Aug 22, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: LibreOffice
Replies: 24
Views: 2730

Re: LibreOffice

I have been using LO for 2 years. I had used Open Office for several years and when I replaced my pc (local shop Win 7 64 bit OS) he loaded LO not OO cuz he said it was better. All my documents and spreadsheets converted fine when I opened and modifies them using LO. It looks close to OO. Lots of ed...
by zaplunken
Tue Aug 22, 2017 3:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is the Munchkin MAN still alive?
Replies: 16
Views: 5076

Re: Is the Munchkin MAN still alive?

MM Goes to the Beach was a funny story. I miss the MM. I have pme'd the MM at BH. He was always very polite. I miss the MM. Please come back MM.
by zaplunken
Mon Jul 24, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4601

Re: Coyote control

I hate to tell you this but it has been mentioned - based upon the urban environment you are in I don't see how you can effectively kill them. Initially I was going to suggest a rifle in the .22 caliber family, there are a lot of good choices, but you can't discharge those firearms where you are. Fo...
by zaplunken
Mon Jul 24, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: My favorite CNBC program
Replies: 33
Views: 3703

Re: My favorite CNBC program

I DVR Closing Bell every day. I look for trends and ignore all stock, MF and ETF "picks" from the "sperts". If the day was exceptionally good or bad I will watch the entire 2 hours but I probably watch 30 minutes a day on average. I like the market review around 3:10, the most important 30 minutes a...
by zaplunken
Mon Jul 03, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 4168

Re: Password Managers

...I used a picture and it allows also you to edit and change the bits in the file and it works but... I thought what if I deleted that image when looking at stuff I have in my Pictures Folder cleaning up old stuff? I'd never get into the base without that altered image so I decided to not use the ...
by zaplunken
Mon Jul 03, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 4168

Re: Password Managers

KeePass use of a key file is nice but... I used a picture and it allows also you to edit and change the bits in the file and it works but... I thought what if I deleted that image when looking at stuff I have in my Pictures Folder cleaning up old stuff? I'd never get into the base without that alter...
by zaplunken
Mon Jul 03, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 3113

Re: Lastpass anyone use it?

Why would you trust your passwords/userids in the cloud? KeePass is safer and you can keep the database on thumb drives (multiple for backup in case) vs the C drive for added safety. Nothing is 100% perfect but storing sensitive info in the cloud seems like asking for trouble.
by zaplunken
Mon Jun 19, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 6922

Re: Anyone use "MyPillow" pillows?

The one sold in stores locally is called "Classic" and there was no mention of putting it in the dryer. The "Premium" which is sold online does say to put it in the dryer. I wondered if that made a difference but I doubt it cuz I would think the Premium are crushed down to the sm...
by zaplunken
Mon Jun 19, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 6922

Re: Anyone use "MyPillow" pillows?

No. They constantly run commercials everywhere and they annoy me. I think more is spent on advertising than the pillows themselves. I have no idea what a My Pillow costs since the freaking ads on TV don't say. But as long as it's under $10, I might, emphasize MIGHT, be willing to try one. But I cha...
by zaplunken
Sun Jun 18, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 6922

Re: Anyone use "MyPillow" pillows?

Well you can count me in the I did not care for it crowd. Initially I thought My Pillow was great but after a few hours you sink into it and the only thing I found that worked was to flip and fluff it only to have it be the same next time I wake up. It did not provide support at a proper level re he...
by zaplunken
Mon Jun 05, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 6922

Re: Anyone use "MyPillow" pillows?

The power of advertising. No one would give MyPillow a second look if they did not advertise the h3ck out of it. I have wanted to get a new pillow for a while so this is as good as anything and if it doesn't work I can return it to BB&B, this is why I bought locally vs online and having to ship...
by zaplunken
Mon Jun 05, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 6922

Re: Anyone use "MyPillow" pillows?

Bought one Classic Firm MyPillow at Bed Bath and Beyond today for $49 so tonight I'll be trying it out.
by zaplunken
Wed May 17, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 6922

Re: Anyone use "MyPillow" pillows?

I didn't realize that MyPillow was sold other than directly from the company so. I don't need 2 for $100, 1 for $50 would be fine so maybe that's a way to try it. The problem with a pillow is until you use it you really won't know how it works for you. If I could get a product that is as effective f...
by zaplunken
Mon May 15, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 6922

Re: Anyone use "MyPillow" pillows?

I have a contoured pillow made of memory foam with divots for the shoulder. It has greatly improved the quality of my sleep and reduced pain and soreness that I used to wake up with because I had neck surgery years ago. I sleep on my side and need a significant amount of support for my head to take...
by zaplunken
Mon May 15, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 6922

Re: Anyone use "MyPillow" pillows?

Thanks. I don't remember hearing those kinds of claims that the suits were filed on, maybe that was advertising from 3-6 years ago. I would not expect a pillow to "cure" illnesses but the concept of keeping the head, neck and body aligned for a comfortable sleep does make sense to me. I ha...
by zaplunken
Mon May 15, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 6922

Anyone use "MyPillow" pillows?

https://www.mypillow.com/ I did many searches here but to my surprise I found only one post about MyPillow.com so I was wondering if anyone has bought their pillows? I am a side sleeper and keeping your neck aligned with your body seems to make sense. I find myself doing the things the MyPillow sit...
by zaplunken
Tue May 09, 2017 5:12 pm
Forum: Forum Issues and Administration
Topic: Extremely Short 'Stay Logged In' Time
Replies: 18
Views: 2591

Re: Extremely Short 'Stay Logged In' Time

LadyGeek wrote:
zaplunken wrote:I do not click the remember me box when I log in.

Try clicking on the "Remember me" box when you log in.

Thank you I will.
by zaplunken
Tue May 09, 2017 4:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 4373

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

I saw you on CNBC yesterday morning so I knew there'd be a thread here today! Happy Birthday Mr. Bogle and many more to come! :sharebeer
by zaplunken
Tue May 09, 2017 3:47 pm
Forum: Forum Issues and Administration
Topic: Extremely Short 'Stay Logged In' Time
Replies: 18
Views: 2591

Re: Extremely Short 'Stay Logged In' Time

I have this same problem. Whether I start a new thread or post in an existing thread if I don't return here withing an hour maybe an hour and a half I have to log back in when I get an email notification of a new post in those threads. I only use this pc, I shut it down every night when I go to bed,...
by zaplunken
Sat Apr 22, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?
Replies: 10
Views: 1272

Re: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?

So it does seem that with this Vanguard fund if not most holding it as a mutual fund or ETF is six of one or a half dozen of another. Good to know, I prefer the mutual fund and really was not wanting to go the ETF route.
by zaplunken
Fri Apr 21, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?
Replies: 10
Views: 1272

Re: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?

This probably applies to the Total Stock Market Index and the Total International Stock Market Index which means the mutual fund is no better or worse than the ETF: Most Vanguard ETFs have no tax advantage over the corresponding Vanguard index funds, because in most cases the ETF is a share class of...
by zaplunken
Fri Apr 21, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?
Replies: 10
Views: 1272

Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?

I watched Consuelo Mack's Wealthtrack last weekend, her guest was Matt Hougan an ETF expert. He said something that is making me question whether I should be holding the ETF vs the mutual fund of the Vanguard Total Stock Market Index (TMSI) in my Taxable Account that is valued at $30k. He said holdi...
by zaplunken
Mon Mar 27, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1813

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

I read the Wiki yesterday about TIPS, I Bonds and the differences between them. There are real differences so it does matter which you chose based upon your situation. I did follow the write up on both but honestly I just don't understand how they will work in the future ie when is it a good time to...
by zaplunken
Sun Mar 26, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1813

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

Thanks dbr and PJW that explains a lot of things clearly. I haven't heard much about I Bonds since I stopped listening to Bob Brinker about 8 or 9 years ago. Your comments bring back thinks I remember from his show that I forgot. No matter what I read about TIPS or a TIPS fund I can follow it to a p...
by zaplunken
Sun Mar 26, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1813

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

The only inflation indexed investment that can be redeemed at fixed real value any time is I bonds, as far as I know. One could invest in very short TIPS, which nearly preserve value at any time if the real rate at that maturity is positive. If the question is about ending up with no loss in real v...
by zaplunken
Sun Mar 26, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1813

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

The money is in my 401k and rollover IRA at Vanguard. I don't know if I could buy TIPS within my rollover IRA and I know I can't with my 401k. I would never buy any individual bonds due to the spread (I've read it is hard to buy efficiently unless you are knowledgeable) and the lack of diversificati...
by zaplunken
Sun Mar 26, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1813

Will the Vg TIPS fund preserve current buying power over 10-20 years?

I was going to write a lengthy post but maybe this will suffice and keep it short, if not I can start a thread with details. The value of my investments have grown to a level where I'm happy and I doubt I'll tap them to any degree if ever, 80% of this money is tax differed. My plan is to leave it fo...
by zaplunken
Sat Mar 18, 2017 7:44 pm
Forum: Forum Issues and Administration
Topic: Links posted by new members...How do we know if safe?
Replies: 10
Views: 2011

Re: Links posted by new members...How do we know if safe?

As triceratop stated, please report a post if you think the link is malicious and we'll check it out. Bear in mind, that you might click on the link and think the malware is from this site, but you've also clicked on a different website and gotten the malware from there. There are a few websites wh...
by zaplunken
Fri Feb 24, 2017 2:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 2011

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

Happy Heart Day Mr. Bogle and many more to come.
by zaplunken
Sun Jan 29, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2815

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

For portfolio analysis and asset allocation, how do you characterize SV assets, bond or cash equivalents? I, too, have chosen SV in my 401k since bond funds in this environment have underperformed and the expense ratios don't seem to warrant bond fund exposure. Couple that with interest rate risk, ...
by zaplunken
Sun Jan 29, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 1262

Re: Capital Gains Tax on selling your house

Thanks! There a lot of things in those lists and I never considered a new roof as an improvement. It seemed like it was something that when it was required it was required cuz " it leaked and no one wants to buy the house with that problem " vs " look I improved the value of the house...
by zaplunken
Sun Jan 29, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 1262

Re: Capital Gains Tax on selling your house

So that is what I thought. Unless my house sold for $210k (a cost basis I can prove) + $250k (the single cap gain exemption) with no capital improvements (which I doubt I would need or want to do) I am under the cap gains exemption (if that is the correct word). I kinda doubt it would be worth $460k...
by zaplunken
Sun Jan 29, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 1262

Re: Capital Gains Tax on selling your house

did you do any reading prior to your post? pretty sure theres a $250k exemption for proceeds from selling a home http://www.bankrate.com/finance/taxes/capital-gains-and-your-home-sale-1.aspx I rolled the $140k owed into a mortgage - wasnt this amount filed w/ your county/state in any form? In any a...
by zaplunken
Sun Jan 29, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2815

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

As far as I know SV funds hold short term paper not equities. This may not be true for all SV funds but it is for mine. The only SV fund I have ever been associated with is from my former employer. Last year it returned 2.25% or 2.5% I forget right now but that is very good IMO, if it was getting 3%...
by zaplunken
Sun Jan 29, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 1262

Capital Gains Tax on selling your house

I am curious, I don't intend to sell my house but this is something that bothers me. The house was built in 1998-1999, moved in 3/31/1999. I paid cash for the land - $70k. I had a construction loan from which I spent $140k and at the end of construction I rolled the $140k owed into a mortgage. I ref...
by zaplunken
Sun Jan 29, 2017 2:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 10480

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday Taylor. Thank you for your service to our country and your service to our community. :sharebeer
by zaplunken
Tue Jan 24, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 73
Views: 8563

Re: Upgrade button on Vanguard IRA

So eventually there will no more mutual fund accounts? Vanguard will be brokerage only? From what I was told today yes. I heard that 2 years ago also and thought it would have been done by now. So that is the direction they are going and like he said to me it may take years but eventually there wil...
by zaplunken
Mon Jan 23, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 73
Views: 8563

Re: Upgrade button on Vanguard IRA

It appears that what we are told depends upon what we are told, different reps seem to have different advice. The guy I spoke to didn't say "force" just that eventually they will be "converted". Honestly at this point I don't see what calling would accomplish cuz each rep you tal...
by zaplunken
Mon Jan 23, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 73
Views: 8563

Re: Upgrade button on Vanguard IRA

So eventually there will no more mutual fund accounts? Vanguard will be brokerage only? From what I was told today yes. I heard that 2 years ago also and thought it would have been done by now. So that is the direction they are going and like he said to me it may take years but eventually there wil...
by zaplunken
Mon Jan 23, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 6344

Re: Getting rid of mice

Those Carpenter Ants are pretty noisy what with their power tools. :beer
by zaplunken
Mon Jan 23, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 73
Views: 8563

Re: Upgrade button on Vanguard IRA

I just got off the phone with Vanguard. The year end statement does contain "some" ytd info but with with a brokerage account it no longer will be a ytd accounting of all the activity for the year as was the case when I had a mutual fund account. In all the years I have held accounts at Va...
by zaplunken
Sun Jan 22, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 73
Views: 8563

Re: Upgrade button on Vanguard IRA

I really like my mutual fund accounts and will not upgrade unless forced to. Will Vanguard eventually be forcing all investors to "upgrade" to a brokerage account? Well from what I read or was told a couple of years ago when I was opening the Trust account the answer was yes they are upgr...