Search found 5253 matches

by Mudpuppy
Mon Sep 18, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6547

Re: Account security - Hackers gain access to mobile and then break havoc

Wouldn't success at porting the cell-phone number and resetting passwords depend on the hackers having knowledge of your login name? Setting your login name to bear no resemblance to your real name would seem to represent another level of security. Or am I missing something? stargazer Many websites...
by Mudpuppy
Mon Sep 18, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6547

Re: Account security - Hackers gain access to mobile and then break havoc

I'm thinking with my old telco hat here and you're using telco terminology incorrectly, which is leading to a misunderstanding. The hackers did not port any numbers. They just changed phones in the same account. That is the key to understanding the situation. That was the situation as reported in t...
by Mudpuppy
Mon Sep 18, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6547

Re: Account security - Hackers gain access to mobile and then break havoc

As jalbert pointed out, no it does not have to port to the same local exchange. The FCC disagrees; If you’re switching service providers and remaining in the same geographic area, you can keep your existing phone number. The "same geographic area" is within the exchange the number is assigned to. L...
by Mudpuppy
Mon Sep 18, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Nationwide 457 plan changes
Replies: 17
Views: 1118

Re: Nationwide 457 plan changes

I just looked at my statements online for the last 3 months. What I noticed now is they are taking the .08% each month. In the pass I believe this was hidden in the funds. Nationwide must of been getting a cut of the er fees. Now with all index funds and lots of Vanguard there is now room in the er...
by Mudpuppy
Sun Sep 17, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6547

Re: Account security - Hackers gain access to mobile and then break havoc

So? They can port a landline phone number to another phone almost as easily as they can port a cell phone number to another phone. It would have to be ported to a different address in the same local exchange. Then the new address would have to have a hot spare back to the CO, not likely, so a truck...
by Mudpuppy
Sun Sep 17, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 31
Views: 3514

Re: Wiki article - Credit freeze

In the "A credit freeze does not" section, I would recommending adding that a freeze does not affect your ability to use existing accounts like credit cards or loans. Some people think a freeze will shut down all their credit cards.
by Mudpuppy
Sun Sep 17, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Whole Life Insurance Agent Will Not Cash Out My plans
Replies: 14
Views: 1976

Re: Whole Life Insurance Agent Will Not Cash Out My plans

When I was cashing out the whole life policy my parents had taken out for me as a child, I physically went to their local office and did not leave until I had the paperwork to take to my parents to sign. It's a lot harder to ignore someone when they're physically standing in your lobby, particularly...
by Mudpuppy
Sun Sep 17, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6547

Re: Phone services most/least likely to get hijacked

There's already a long thread on phone number hijacking in wake of the Equifax breach: viewtopic.php?f=11&t=227649
by Mudpuppy
Sun Sep 17, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6547

Re: Account security - Hackers gain access to mobile and then break havoc

this thread scared me enough to change receiving a code before log in from a text to a home phone call. if a hacker ported your # to their phone and one of your account holders called your #, the hacker would just pretend to be 'you' as they would be answering your phone. :?: code now comes to land...
by Mudpuppy
Sun Sep 17, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport.com possible vulnerability (apache struts framework)
Replies: 21
Views: 1836

Re: annualcreditreport.com possible vulnerability (apache struts framework)

The broader issue is that few web sites are secure because the public doesn't care about security, not enough to give anything up in return for it. Given a choice between a secure web site and one that supports the latest features, they'll go for the features every time. Case in point: the Treasury...
by Mudpuppy
Sun Sep 17, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3199

Re: Should I contact a lawyer?

OK, let's say she did this intentionally and knowingly. She cheated. She copied your work. She's not playing fair. Heck, maybe she even tried to take your lunch money a couple of times. You say you can't or won't go directly to her to tell her to knock it off. Why not? Because I don't want to be in...
by Mudpuppy
Sun Sep 17, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3199

Re: Should I contact a lawyer?

You have two issues here: legality and ethics. On the legal side, your contract (or your union's contract) with the school district determines who owns materials produced for the classroom. We can't help you much there other than to say "look at your contact". And legally, "your" filing cabinet at t...
by Mudpuppy
Sun Sep 17, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: 401a and 457: Read Guide to Investing - Now what
Replies: 13
Views: 559

Re: 401a and 457: Read Guide to Investing - Now what

In case you are not aware, a non-governmental 457b cannot be rolled into 401k, a governmental 457b, or an IRA. The only thing you can do with it is roll it into another non-governmental 457b or take a distribution and pay taxes. And that can be a good way for the OP to determine if it is a governme...
by Mudpuppy
Sun Sep 17, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport.com possible vulnerability (apache struts framework)
Replies: 21
Views: 1836

Re: annualcreditreport.com possible vulnerability (apache struts framework)

There has been one large hack after another in the news over the past years, and they keep occurring on a regular basis. At this point, people should accept that there is no security or secrecy regarding their demographic and financial information. If it hasn't been stolen and released into the wil...
by Mudpuppy
Sun Sep 17, 2017 12:28 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport.com possible vulnerability (apache struts framework)
Replies: 21
Views: 1836

Re: annualcreditreport.com possible vulnerability (apache struts framework)

It's not like Apache Struts is forever and always broken. As Pajamas said, the vulnerability was patched half a year ago. There are plenty of sites running Apache Struts that have nothing to worry about because they are patched. The problem with Equifax was not Apache Struts specifically. That was ...
by Mudpuppy
Sat Sep 16, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport.com possible vulnerability (apache struts framework)
Replies: 21
Views: 1836

Re: annualcreditreport.com possible vulnerability (apache struts framework)

It's not like Apache Struts is forever and always broken. As Pajamas said, the vulnerability was patched half a year ago. There are plenty of sites running Apache Struts that have nothing to worry about because they are patched. The problem with Equifax was not Apache Struts specifically. That was a...
by Mudpuppy
Sat Sep 16, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: UC Fund Change - Decisions
Replies: 5
Views: 547

Re: UC Fund Change - Decisions

So if I'm reading your response correctly I could choose those 3 funds in the following manner to get a 70/30 stock/bond with ~20% international? 50% UC Domestic Equity Index Fund 20% UC International Equity Index Fund 30% UC Bond Fund That would be a good allocation, although note that your intern...
by Mudpuppy
Sat Sep 16, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401a and 457: Read Guide to Investing - Now what
Replies: 13
Views: 559

Re: 401a and 457: Read Guide to Investing - Now what

Front runners for me: FXSIX (FID 500 Index large cap stock 5% turnover 0.03% ER) VWILX (Vanguard Int'l Growth Adm Shares 30% turnover 0.33% ER) FSEVX (FID Ex Mark Ind Midcap 12% turnover 0.07% ER) FSIVX (Fid Int'l Index Fund Premium Int'l Stock 2% Turnover 0.06% ER) The Fidelity index funds are a g...
by Mudpuppy
Fri Sep 15, 2017 2:27 am
Forum: Investing - Help with Personal Investments
Topic: Clueless on taxes but have luxury of both 403b and 457 space
Replies: 25
Views: 2078

Re: Clueless on taxes but have luxury of both 403b and 457 space

I'm a little confused on what a pension factor is? This has something to do with my final average salary of my highest salaries? Thanks! In simple terms, a pension factor is the multiplier for the years of service credit which determines your overall pension percentage. Let's say you have a 2% pens...
by Mudpuppy
Wed Sep 13, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

Does anyone know how to change the "random" PIN number Equifax gives you upon freezing? I can't find anything on their website about it and I am trying to do this online rather then wait on hold with them about this. While I think Equifax could have used a better method for generating PIN numbers, ...
by Mudpuppy
Tue Sep 12, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: What do I need to do next?
Replies: 11
Views: 1599

Re: What do I need to do next?

I agree that you're doing great, and much better than the average American at saving for retirement. As for your question about where to save the former house payment, I see from your prior post that your husband is self-employed. Perhaps those more versed on the retirement options for the self-empl...
by Mudpuppy
Tue Sep 12, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless on taxes but have luxury of both 403b and 457 space
Replies: 25
Views: 2078

Re: Clueless on taxes but have luxury of both 403b and 457 space

It is nice to get a response that we are doing really well. One of the difficult things about reading Bogleheads sometimes is seeing people my age with like 600-700k in their retirement accounts along with another 400-500k in their taxable. It makes us actually feel very behind! Those folks are def...
by Mudpuppy
Mon Sep 11, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Governmental 457(b)
Replies: 4
Views: 419

Re: Non-Governmental 457(b)

I just moved to a new employer and I had a 457)b) (non-governmental) with my prior employer. My new employer does not have a 457(b) plan and I am being told my my only option is to take a cash distribution on the money and pay taxes. I'm 50 years old and really don't want to take the cash distribut...
by Mudpuppy
Mon Sep 11, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

Also, here's an article saying that the Equifax credit monitoring site is vulnerable to cross-site scripting. The recommendation is to wait till the site is fixed. Maybe someone in cyber-security can comment. Equifax's credit report monitoring site is also vulnerable to hacking The type of attack d...
by Mudpuppy
Mon Sep 11, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

How do you freeze your credit. I believe that's a good ideal. I pay cash for everything anyway. Freezing your credit does not prevent you from using your existing credit lines. It just makes it much harder for attackers to open new credit lines in your name. Here is the FTC article on credit freeze...
by Mudpuppy
Mon Sep 11, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

Credit freeze/unfreeze scam is the new credit monitoring scam to boost bottom line for credit reporting companies. No surprise the latest massive release of PII is from a credit reporting agency - setting off a panic that will result in perhaps millions of new paying customers for freeze/unfreeze a...
by Mudpuppy
Mon Sep 11, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

Experian charged our credit cards multiple times while we tried to freeze our credit. Frozen for one of us, not for the other. I notified both credit card companies' fraud teams that I was charged multiple times for services not provided, and that if the charges posted I would dispute them. Experia...
by Mudpuppy
Sun Sep 10, 2017 5:03 pm
Forum: Forum Issues and Administration
Topic: Question about displayed time of most recent post
Replies: 8
Views: 717

Re: Question about displayed time of most recent post

Thanks! Finally an explanation. Sure enough, on the main page as you stated (but not how I typically view BH), the time is correct. So I take it there is no way to adjust the times as they show on my displays of each post, etc.? I've long since just adjusted. It's not a big deal, obviously, but it ...
by Mudpuppy
Sun Sep 10, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

Check your credit report that those two bureaus using annualcreditreport.com. No sense speculating about it when checking the reports will resolve the matter. I just pulled reports from the two credit bureaus and there are no new accounts or inquiries. The only difference in my credit, which is the...
by Mudpuppy
Sun Sep 10, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

You can get "free credit freeze" with equifax if your accounts were compromised that is what i did , I also did the pay option for TU and EX though. That depends on your state law. For example, California says credit freezes are free for victims of ID theft. If Experian considers this ID theft and ...
by Mudpuppy
Sun Sep 10, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

If your credit cards had slightly higher statement balances in the last month or two than you typically have on your statements, this would lower your score a bit. I generally have a revolving CC utilization that is anywhere from 5-10% of my total available balance but it always gets paid off in fu...
by Mudpuppy
Sun Sep 10, 2017 1:34 pm
Forum: Forum Issues and Administration
Topic: Question about displayed time of most recent post
Replies: 8
Views: 717

Re: Question about displayed time of most recent post

My understanding is that the main page (Bogleheads.org) does not access time zones. It appears to always show the Central time zone or Eastern Standard Time even when we're in Daylight Savings Time (I haven't observed for long enough to determine which is the case). The forum main page will access ...
by Mudpuppy
Sun Sep 10, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: University of California Retirement Plan Proprietary Funds
Replies: 7
Views: 706

Re: University of California Retirement Plan Proprietary Funds

Thanks, everyone, for the helpful comments. I feel a tiny bit like I am putting all my eggs in one basket by having UC employment and UC retirement savings. However, I know the the actual assets in the UC 403(b) funds are held by third parties, just like any other 403(b), so it is not like having a...
by Mudpuppy
Sun Sep 10, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: University of California Retirement Plan Proprietary Funds
Replies: 7
Views: 706

Re: University of California Retirement Plan Proprietary Funds

I haven't dealt with the UC plan since I graduated and rolled my plan over into an IRA. However, I checked the PDF you posted. It seems to be mostly focused on returns and benchmarks. Interestingly enough though, Fidelity still lets me access the UC plan details from NetBenefits. As you noted, the ...
by Mudpuppy
Sun Sep 10, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Nationwide 457 plan changes
Replies: 17
Views: 1118

Re: Nationwide 457 plan changes

If you have a Vanguard account, Vanguard will track any outside assets, including mutual funds, you hold, on a daily basis. You just need to update the shares owned as you buy/sell. I use it to track our 457 account. Granted, we only have one holding so it's pretty simple. That works beautifully fo...
by Mudpuppy
Sat Sep 09, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

After reading this post i went on creditkarma just to check everything. I have no new inquiries and no new accounts, but my credit score with the two bureaus listed dropped 32 and 35 points... The only thing I have done recently is ask for several prequalification quotes for student loan refinance....
by Mudpuppy
Sat Sep 09, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: University of California Retirement Plan Proprietary Funds
Replies: 7
Views: 706

Re: University of California Retirement Plan Proprietary Funds

I haven't dealt with the UC plan since I graduated and rolled my plan over into an IRA. However, I checked the PDF you posted. It seems to be mostly focused on returns and benchmarks. Interestingly enough though, Fidelity still lets me access the UC plan details from NetBenefits. As you noted, the U...
by Mudpuppy
Sat Sep 09, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3205

Re: Flood Insurance when not in flood plain?

You also have to factor in localized flooding. If, for example, your city doesn't properly maintain its storm drains, your house could flood during a major rain event regardless of how high you are relative to the flood plain. Which is exactly why I have flood insurance even though I'm not near a r...
by Mudpuppy
Sat Sep 09, 2017 9:03 pm
Forum: Forum Issues and Administration
Topic: Question about displayed time of most recent post
Replies: 8
Views: 717

Re: Question about displayed time of most recent post

My understanding is that the main page (Bogleheads.org) does not access time zones. It appears to always show the Central time zone or Eastern Standard Time even when we're in Daylight Savings Time (I haven't observed for long enough to determine which is the case). The forum main page will access y...
by Mudpuppy
Sat Sep 09, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

Security folks on Twitter are now reporting that the PINS Equifax has generated for its freezes are not random numbers but rather the date and time you requested a freeze. I checked mine from years ago, and it appears to be true. :oops: Thankfully, the PINS Experian, Transunion, and Innova generate...
by Mudpuppy
Sat Sep 09, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

So what happens if I lose my PIN? Verification by...? Each company has a different procedure. But usually it boils down to getting verified again, then having to wait for a new PIN to be sent by postal mail. Which is kinda the point. You have to get verified again with the same information the croo...
by Mudpuppy
Sat Sep 09, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Nationwide 457 plan changes
Replies: 17
Views: 1118

Re: Nationwide 457 plan changes

Thats 2 good things about California. Low er and great weather. If only they can do something with the taxes? Unfortunately, the great weather only applies to some parts of the state, which also happen to be the expensive parts of the state. I'd love to retire to a sleepy ranch property on the cent...
by Mudpuppy
Sat Sep 09, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Nationwide 457 plan changes
Replies: 17
Views: 1118

Re: Nationwide 457 plan changes

In the meantime, since I will likely leave my salaried employment within the next six months, is there any reason not to transfer everything over to my traditional IRA at Vanguard? How old will you be when you leave employment? If you are not yet 59.5 years of age, the advantage of a 457 plan is th...
by Mudpuppy
Sat Sep 09, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

plymster wrote:
Sat Sep 09, 2017 11:27 am
So what happens if I lose my PIN? Verification by...?
Each company has a different procedure. But usually it boils down to getting verified again, then having to wait for a new PIN to be sent by postal mail.
by Mudpuppy
Sat Sep 09, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

I tried Trans Union online....It was unable to verify my identify.... Ditto!! And now I'm sitting here with all the pins and other info for each of the credit agencies wondering where to put them where they won't get stolen or lost. I feel less secure than before!! :annoyed Keeping the info in a fi...
by Mudpuppy
Sat Sep 09, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

I had the impression that a soft pull was not stopped by a credit freeze. Soft pulls by companies with which you already are doing business may not be affected by the credit freeze. But "doing business" from the perspective of a credit report means the company is listed on your credit report, such ...
by Mudpuppy
Sat Sep 09, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Nationwide 457 plan changes
Replies: 17
Views: 1118

Re: Nationwide 457 plan changes

These changes are most likely specific to your employer's contract with Nationwide. The employer's contract with the 457 custodian sets up the fees that the custodian can charge and the fund lineup available to employees. To provide a contrast, the California Savings Plus Program (SPP), which provid...
by Mudpuppy
Sat Sep 09, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Clueless on taxes but have luxury of both 403b and 457 space
Replies: 25
Views: 2078

Re: Clueless on taxes but have luxury of both 403b and 457 space

Thanks for the reply! I was using the 457 because of the fact that in an emergency if I had to stop working before 59 then I would be able to access the money penalty free. That's fine. And if it is a government plan, you don't have to worry about creditors. Assets in a governmental 457(b) plan are...
by Mudpuppy
Sat Sep 09, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

Just curious, might be dumb question. If I want to freeze credit but have balance on a CC about to pay off can I or must I wait? Freezing your credit reports in no way impacts the existing credit cards or loans that you have. You can still use and pay off your existing credit cards the same way you...
by Mudpuppy
Fri Sep 08, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33407

Re: Equifax customer information leak

It's better to get a PIN from the IRS as soon as you have a legitimate cause to request one. This breach would be a legitimate cause. I should have done that after the Anthem breach and saved myself the trouble. Here's the IRS site: https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-pro...