Search found 843 matches

by zaplunken
Sun Nov 19, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 4670

Re: Jack Bogle, the word's richest man

Jack Bogle and Vanguard are the 9th wonder of the modern world.

Mr. Bogle has done more for me than Zuckerberg or Gates ever have or ever will. :sharebeer
by zaplunken
Sun Nov 19, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 36
Views: 2121

Re: Storing Lawn Tractor over the Winter

I live in the north and we have very cold winters tho it isn't like the upper midwest cold. I see a lot of recommendations to use Stabil but no one says which kind . For years I used the pink Stabil and then the guy who sharpens my mower blades and has run a power equipment business for 25 or 20 yea...
by zaplunken
Sun Oct 08, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: How Often Should I Have Chimney Cleaned (New England)?
Replies: 17
Views: 1693

Re: How Often Should I Have Chimney Cleaned (New England)?

mancich wrote:
Sun Oct 08, 2017 7:36 am
We do it yearly (we live in Hudson Valley area of NY) . We use the fireplace a lot and for a couple of hundred bucks it is cheap piece of mind.
You are charged a couple of hundred dollars to clean 1 chimney? :shock:
by zaplunken
Sat Oct 07, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4381

Re: So... What bond fund or bond-like instrument do you use?

I kept a chunk of money in my 401k for the SV fund, last time I looked it was around 2.2 or 2.3%. I'm 50/50 (more like 52/48) and have 32% in the SV fund, 12% in Vang Short Term Investment Grade fund and about 5% in cash.
by zaplunken
Sat Oct 07, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7709

Re: Do you want your receipt?

Exactly! I'm shocked anyone would say no. I guess they just pay whatever the cc statement says or the minimum. How often have you discovered fraud or mistakes when reconciling your paper receipts with the credit card statement? A few times but it has been very infrequent. I save the slips and when ...
by zaplunken
Sat Oct 07, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4535

Re: Chrome vs Firefox

I forgot to add in my post that I often have 20-25 tabs opened at a time for about 5 minutes. On rare occasions I had 40-45 tabs open for about 5 minutes. Everything functioned as it should. Win 7 64 bit OS.
by zaplunken
Sat Oct 07, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4535

Re: Chrome vs Firefox

With FF ver 55.x.x things started to not function and other things were running slow. V 56.x.x is a bit better but still not like it was prior to v 55.x.x So I disabled the "legacy" addons or extensions I forget which they are called (AdBlock+ for example), I had 3 and then it really got bad, I was ...
by zaplunken
Sat Oct 07, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: How Often Should I Have Chimney Cleaned (New England)?
Replies: 17
Views: 1693

Re: How Often Should I Have Chimney Cleaned (New England)?

A fireplace burns fast and hot, no way to control the air so they are less likely to accumulate creosote. I'd say every 5 years but I'd burn hardwood not pine or other evergreens that have a ton of pitch in them. For a woodstove every year especially if you use it as a primary heat source.
by zaplunken
Sat Oct 07, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7709

Re: Do you want your receipt?

mickeyd wrote:
Sat Oct 07, 2017 3:35 pm
I always demand a receipt and check them against the monthly statement. How else can you check for fraud accurately?
Exactly! I'm shocked anyone would say no. I guess they just pay whatever the cc statement says or the minimum.
by zaplunken
Tue Oct 03, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

Re: Equifax customer information leak

Yesterday I got the info from Innovis and ChexSystems, almost 3 weeks so they are getting it out just swamped.
by zaplunken
Thu Sep 28, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

Re: Equifax customer information leak

My credit report has been frozen at the 3 majors for years. I assume my insurance company checks upon renewal each year but I never have received an email stating they were accessed. When I unfroze one to increase a credit card limit that did generate an email to me. I guess whatever the insurance c...
by zaplunken
Wed Sep 27, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

Re: Equifax customer information leak

Without info I would expect them to not open an account but being a bank and not selling products/extending credit I see your point. to get a loan from the bank I trust that would be prevented.
by zaplunken
Wed Sep 27, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

Re: Equifax customer information leak

I put in a security freeze at ChexSystems on 9/12. As fate would have it, I needed to open a savings account last week. The bank said to me "are you aware that you have a security freeze in on your account?" I said "yes." And that was all there was to it. I didn't need to lift the freeze in order t...
by zaplunken
Wed Sep 27, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

Re: Equifax customer information leak

A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites. zaplunken: A typo? Which is the "minor" effort? If you go to the credit bureau websites and read the differences you'll see a freeze locks your credit report so no one can gain access to it and...
by zaplunken
Wed Sep 27, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

Re: Equifax customer information leak

A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites. zaplunken: A typo? Which is the "minor" effort? If you go to the credit bureau websites and read the differences you'll see a freeze locks your credit report so no one can gain access to it and...
by zaplunken
Tue Sep 26, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

Re: Equifax customer information leak

An alert is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites.
by zaplunken
Tue Sep 26, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

Re: Equifax customer information leak

How is the average person suppose to 1) understand the ramifications of all this, and 2) actually put it all into place? Most people I know eye's understandably glaze over at the topic and/or feel paralyzed by it all. Good point. Honestly I felt I had everything really under control and locked down...
by zaplunken
Sun Sep 24, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

Re: Equifax customer information leak

I'm concerned. On 9/12 I ordered a credit report from Innovis, they said 3-5 business days, where the heck is it? On 9/13 I went to the Chex Systems and requested a freeze and they said I'd get a letter with a pin and instructions in 3 business days, where the heck is it? I'm going to try to call or...
by zaplunken
Sat Sep 16, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50226

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: 711
Views: 50226

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: 711
Views: 50226

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: 711
Views: 50226

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: 711
Views: 50226

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: 3261

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: 5749

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: 2918

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: 5361

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: 4786

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: 39
Views: 5025

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: 4507

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: 4507

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: 3426

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: 7364

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 smallest size possible...
by zaplunken
Mon Jun 19, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 7364

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: 7364

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: 7364

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 it ...
by zaplunken
Mon Jun 05, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 7364

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: 7364

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: 7364

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: 7364

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 have experim...
by zaplunken
Mon May 15, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 7364

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: 2842

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: 4691

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: 2842

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: 1328

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: 1328

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: 1328

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: 1931

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: 1931

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...