Search found 5396 matches

by Mudpuppy
Sun Nov 19, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 61
Views: 2893

Re: Dave Ramsey says don't use credit cards, even if you pay them off

This advice is intended for Dave Ramsey's target audience: people who have trouble staying within their means for their spending. In that context, a credit card might be like having alcohol in the house of a recovering alcoholic... it could all turn out just fine, but why add the temptation? That do...
by Mudpuppy
Sun Nov 19, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 28
Views: 1253

Re: Collection agency calls intended for another person:

Changing your number is a crap shoot. Your new number is almost always someone else's old number. When I called to change my number, I was given six numbers to choose from. I focused on the three with older prefixes (more likely to have been given up due to an established person moving or passing a...
by Mudpuppy
Sun Nov 19, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 28
Views: 1253

Re: Collection agency calls intended for another person:

Why in the world would you even bother writing her or contacting her ex-husband? A simple explanation of "we got this number when we moved and we have no idea who that person is" to Sears and the others would have been sufficient. That's all I had to do under similar circumstances when I got a numbe...
by Mudpuppy
Sun Nov 19, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 9
Views: 806

Re: Contemplating offer on a house with SolarCity lease

Is there any value in assuming the lease? I see all sorts of value to SolarCity shareholders in these leases,though. Am I looking at this too harshly? I'd personally only see that value if (a) it is a very unique house, where it unlikely to have something comparable come up again soon, (b) the sell...
by Mudpuppy
Sun Nov 19, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 52
Views: 2062

Re: How much do you budget for vacation?

Interesting answers, but I find it interesting that people are saying how much they "spend" on travel, rather than what they "budget" for travel, which was the question. Here's an answer to the question then: I'm not a big fancy vacation sort of person, so I budget about 2-3% of my gross income on ...
by Mudpuppy
Sat Nov 18, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2034

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

Thanks I tried but my phone says I have the latest software with Android 4.4.2 There are oodles of security issues with that version of Android: https://www.cvedetails.com/vulnerability-list/vendor_id-1224/product_id-19997/version_id-177949/Google-Android-4.4.2.html https://androidvulnerabilities.o...
by Mudpuppy
Sat Nov 18, 2017 2:14 pm
Forum: Forum Issues and Administration
Topic: Linking wiki articles into forum posts
Replies: 19
Views: 4066

Re: Linking wiki articles into forum posts

Both "Make Link" and "CoLT" now show "This add-on is not compatible with your version of Firefox" (version 57.0 - 64 bit) that was auto-installed within the past day or so. Anyone know of a working Firefox add-on? All plug-ins will have to make changes to be compatible with Firefox 57. Give it a li...
by Mudpuppy
Sat Nov 18, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Proposed changes to 457 contributions
Replies: 5
Views: 403

Re: Proposed changes to 457 contributions

It's against the forum rules to discuss proposed legislation, but I think the following advice stays within the spirit of the forum rules: As with many things in life (e.g. "don't count your chickens until they hatch"), don't make any changes based off proposed legislation. Proposed legislation can ...
by Mudpuppy
Sat Nov 18, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Need help choosing supplemental retirement plan
Replies: 2
Views: 330

Re: Need help choosing supplemental retirement plan

As CaliJim said, the ERs on the Target Retirement funds are actually pretty decent. However, the fund list on the CPS website does not match the fund list on Valic's website. Valic's website also does not list the Target Retirement funds: https://my.valic.com/ARO/FundPerformance/Tables.aspx?q=oGcs6F...
by Mudpuppy
Mon Nov 13, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6695

Re: Swedish Death Cleaning

In addition, do we really know how well CDs and thumb drives will retain data over very long periods of time? I can envision someone finding a thumb drive 50 years from now and saying "what is this thing?". There is a known fungus that attacks the encoding layers of rewritable CD and DVD media. 50 ...
by Mudpuppy
Sun Nov 12, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 32
Views: 3242

Re: H&R Block Software

It's been an additional $19.95 to eFile state returns for years now. does Turbo tax charge this to eFile state as well? (have never used TT). I have use H&R and have paid the $ to eFile state just 'have it done' etc (could not recall cost last year). Turbo Tax Deluxe, which includes a "free" state ...
by Mudpuppy
Sun Nov 12, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 32
Views: 3242

Re: H&R Block Software

Pet peeve of this software. sure, can always 'print' and mail but a PITA when one just want's to be 'done' with it and ensure it doesn't get lost in the mail etc. This looks like an increase from last year too (?) https://s7.postimg.org/6c81y3y9n/image.jpg It's been an additional $19.95 to eFile st...
by Mudpuppy
Sun Nov 12, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 32
Views: 3242

Re: H&R Block Software

Last year Amazon had a special around $29 -- in December I think -- and they automatically give you the extended download service since they deliver it through their digital download service. December and January tend to be the times of year Amazon has had tax software on sale in the past, for most...
by Mudpuppy
Sun Nov 12, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1724

Re: Chromebook/Similar for Elderly Dad

What does your dad want to do with the laptop?
by Mudpuppy
Sun Nov 12, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Anyone experience slow load time for CO360 online portal?
Replies: 2
Views: 271

Re: Anyone experience slow load time for CO360 online portal?

It just occurred to me that you might also want to post on the thread about the new Capital One website and see if others are having the issue: viewtopic.php?f=2&t=225057
by Mudpuppy
Sat Nov 11, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Liability insurance for college students in dorms ?
Replies: 13
Views: 1010

Re: Liability insurance for college students in dorms ?

Just wondering about non-auto related liability, such as a fire that impacts others, slip and fall by a guest, etc, typical homeowner/renter issues that could also impact one in a dorm. I was shocked that my own ins agent insists we have no coverage for this, despite every website I found saying th...
by Mudpuppy
Sat Nov 11, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Anyone experience slow load time for CO360 online portal?
Replies: 2
Views: 271

Re: Anyone experience slow load time for CO360 online portal?

I don't personally have a CapitalOne account, but have you tried one of the "down for me or for everyone" services to see if this is isolated or widespread?
by Mudpuppy
Sat Nov 11, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Cross Site Scripting
Replies: 7
Views: 754

Re: Cross Site Scripting

I prefer my ad blocker and my script blocker to be different plugins for both security in layers (defense in depth) and simplicity of the code (more complicated tasks take more complicated code, which increases the possibility of human errors and decreases the likelihood of those errors being quickl...
by Mudpuppy
Fri Nov 10, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Balance until I rollover to Vanguard
Replies: 3
Views: 306

Re: Portfolio Balance until I rollover to Vanguard

Ty Mud, I was just thinking out loud that since both the Large and the Small have a little of Mid each I might eliminate the Mid. Which would then lead to what allocation for Large and Small. You can approximate the total stock market with just large-cap and small-cap funds. VINIX/VIIIX is specific...
by Mudpuppy
Thu Nov 09, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Balance until I rollover to Vanguard
Replies: 3
Views: 306

Re: Portfolio Balance until I rollover to Vanguard

Question 1: Which Mid Cap do I choose as it seems Admiral funds are preferred? (maybe this answers itself) Your current mid-cap fund is a growth fund, so it only contains a subset of mid-cap funds that are labeled growth funds. The admiral fund you listed is the total market of mid-caps in market-w...
by Mudpuppy
Wed Nov 08, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3922

Re: water filter for a home

If you have city water in most USA cities, there is very little need to have a whole house filter for these purposes. Most tap water is perfectly safe to drink and to take a shower in. There is usually no need to filter it further, and the EPA regulations keep most contaminants in check. Have you l...
by Mudpuppy
Tue Nov 07, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: 415(m) non-qualified plan
Replies: 7
Views: 476

Re: 415m non-qualified plan

415m plans are fairly rare, so people may not be able to offer advice as readily as they would for other plans. They're so rare, when I read the title I thought: 1. $415 Million is a huge amount for a plan 2. I prefer the m be capitalized I apologize for not having anything more constructive to add...
by Mudpuppy
Tue Nov 07, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: More into Tax Deferred or start Taxable Investing?
Replies: 11
Views: 1083

Re: More into Tax Deferred or start Taxable Investing?

Bella wrote:
Tue Nov 07, 2017 11:18 am
Thank you for your response. The 457 is offered through the town my wife teaches in. I'm not sure if that makes it a government account or not.
Can she roll the 457 plan over to an IRA after retirement? If so, it's a governmental plan. Non-governmental plans cannot be rolled over to an IRA.
by Mudpuppy
Tue Nov 07, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3922

Re: water filter for a home

As I was composing this message, I checked out their "About Us" page, https://www.reverseosmosisrevolution.com/Aboutus.html and found it strange. The company has recently moved from New York City to San Diego, their address is a suite. This suggests that their manufacturing facilities are not in th...
by Mudpuppy
Tue Nov 07, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: 415(m) non-qualified plan
Replies: 7
Views: 476

Re: 415m non-qualified plan

415m plans are fairly rare, so people may not be able to offer advice as readily as they would for other plans. That said, some generic advice can be offered. What are your distribution options? People might be able to more generally give advice on the distribution options (and tax planning surround...
by Mudpuppy
Tue Nov 07, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: More into Tax Deferred or start Taxable Investing?
Replies: 11
Views: 1083

Re: More into Tax Deferred or start Taxable Investing?

Currently, our income level does not allow us to contribute to a ROTH. I am investigating the 457 option as we speak. As already mentioned, check to see if any of the retirement accounts have a Roth option. Those are not subject to the same income limits as a Roth IRA. Also, is the 457 plan a gover...
by Mudpuppy
Mon Nov 06, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1882

Re: Has anyone bought a Samsung Note 8?

I wanted to ask what type of case you bought. I have often bought Otterbox but the ones I got were really thick. Thanks, I've got my S8+ in a case model called Neo Hybrid by the company Spigen. It's a thin case with a textured back to provide better grip than the glass back. It has already protecte...
by Mudpuppy
Mon Nov 06, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19588

Re: Excel Macro using Yahoo Finance- not working

I was able to create a new quotes profile in Kmymoney using Google Finance API and so far it works flawlessly except for VNQ (I'm not sure why). For some reason, VNQ defaults to returning a search page instead of the fund page. Try the "BMV:VNQ" instead: https://finance.google.com/finance?q=BMV%3AVNQ
by Mudpuppy
Sun Nov 05, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3922

Re: water filter for a home

I have two concerns on that system. First, it uses pseudoscience in its Amazon posting that alkaline water can prevent disease. Restoring buffers and minerals helps the taste of water and you don't want your water to be too acidic if you have a sensitive stomach, but there's no convincing science to...
by Mudpuppy
Sun Nov 05, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3956

Re: Did I earn an extra hour of interest last night?

Computers have timezone files that tell them all the data they need to know about all the timezones that exist around the world. Not observing DST is not really that odd. There's plenty of weirder timezones to be found internationally. Mudpuppy, Completely agree. Read someplace that North Korea is ...
by Mudpuppy
Sun Nov 05, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1882

Re: Has anyone bought a Samsung Note 8?

I did not investigate paying for the phone on a monthly basis. I don't know what the interest rate is of if there is one. I prefer to own the phone and to only pay the monthly charge. There's no interest rate for the AT&T Next payment plans. My now dead LG V10 was on such a plan and I looked closel...
by Mudpuppy
Sun Nov 05, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19588

Re: Anyone else lose ability to download stock prices recently?

This doesn't get the dividend, but it does get annual yield so it's just as good: =IFERROR(INDEX(SPLIT(INDEX(IMPORTHTML("https://www.google.com/finance?q="&A4,"table",3),1,2), "/"),2)) Where A4 references the ticker Can you please explain, step by step, how this works? I can find IFERROR as a funct...
by Mudpuppy
Sun Nov 05, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1882

Re: Has anyone bought a Samsung Note 8?

AT&T sells their own series of unlocked phones for prepaid but not the ones I wanted. They would sell me the phones I wanted on a plan and then if I paid in full, I could unlock them .......! In any event they did not have the phones I wanted in stock. Just as an FYI for the future, there really is...
by Mudpuppy
Sun Nov 05, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3956

Re: Did I earn an extra hour of interest last night?

nisiprius, Good question for us that live in daylight savings time states. Since most of us have a 25 hour day here, what about Arizona and Hawaii? Those two states don't have DST. Curious about how that would be programmed into computers. Probably simple based on an official addresses. Greg http:/...
by Mudpuppy
Sun Nov 05, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3956

Re: Did I earn an extra hour of interest last night?

... I spent my "extra" time doing laundry and reformulating a fish tank stand build since the first attempt resulted in split 2x4s. Now debating renting a framing nail gun to do the rebuild attempt after reading a few forums. Screws are superior to nails. Low quality lumber that splits when you dri...
by Mudpuppy
Sun Nov 05, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1882

Re: Has anyone bought a Samsung Note 8?

I have just retired and I'm going to take a class in photography at the local community college. I have a DSLR and to me what was lacking in the smartphone cameras was an optical zoom. I see that the iPhone 7 plus and 8 plus as well as the Note 8 have dual rear cameras that gives one depth of field...
by Mudpuppy
Sun Nov 05, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3956

Re: Did I earn an extra hour of interest last night?

I spent my "extra" time doing laundry and reformulating a fish tank stand build since the first attempt resulted in split 2x4s. Now debating renting a framing nail gun to do the rebuild attempt after reading a few forums. If you use a drill and smaller size bit then countersink and use screws inste...
by Mudpuppy
Sun Nov 05, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1882

Re: Has anyone bought a Samsung Note 8?

I couldn't bring myself to pay $1000 for a phone when my LG V10 suddenly up and died from the LG bootloop issue a little bit back. But the Galaxy S8+ was on sale that weekend for a bit over $700 for an unlocked version, so I went with that. I'm still getting used to the curved glass screen though, w...
by Mudpuppy
Sun Nov 05, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19588

Re: GETYAHOO broken? [Spreadsheet extension]

Here are two other threads on Yahoo's recent and sudden deactivation of the service: Stand-alone thread (this topic only): https://www.bogleheads.org/forum/viewtopic.php?f=2&t=231355 Restart of another thread (link should take you to this topic): https://www.bogleheads.org/forum/viewtopic.php?f=10&t...
by Mudpuppy
Sun Nov 05, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3956

Re: Did I earn an extra hour of interest last night?

Nowadays, is UTC used in courts of law for describing the time when events occurred? No. I don't know many courts of law that would be in operation during the 1:00am/2:00am/1:00am local time shift. As already noted up-thread, hospitals and other places with night shifts are where this most frequent...
by Mudpuppy
Sat Nov 04, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6538

Re: GoDaddy - Any better options for website hosting?

Who are you considering getting to host the email? I haven't decided yet. I don't need web hosting as I can do that myself (it's a personal domain for photo sharing with family and a small MUD for friends, not a business). My current DNS host, NameCheap, also offers email hosting, but part of my de...
by Mudpuppy
Sat Nov 04, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3922

Re: water filter for a home

As for Brita vs. RO, I've read somewhere that RO does not remove Trihalomethanes (TTHM), and it's not listed on the EWG site for TTHM. Brita is explicitly listed as one of the filters for TTHM removal. Thus, having both filters may have some benefits. But as you can see, I have just started learnin...
by Mudpuppy
Sat Nov 04, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6538

Re: GoDaddy - Any better options for website hosting?

Does everyone use their domain to send email? How reliable is the service? Sending is not the issue I've run across. Receiving is the issue if you use a email forwarding service that doesn't properly work with DMARC / DKIM / SPF email verification systems. Those emails can be easily marked as fraud...
by Mudpuppy
Sat Nov 04, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3922

Re: water filter for a home

The specific RO filter I am thinking about is "ZIP Countertop Reverse Osmosis Water Filter" by Puricom, at $469 on Amazon, https://www.amazon.com/gp/product/B0076CQXAQ/ref=ask_ql_qh_dp_hza ZIP is less wasteful of water than other RO filters, good-to-waste water ratio is about 1-to-1. According to t...
by Mudpuppy
Sat Nov 04, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3922

Re: water filter for a home

I just did a quick search out of curiosity and found a faucet-attached RO system with a mineral/buffer post-processing stage (simple one, just calcium carbonate/calcite) for under $300: http://www.freedrinkingwater.com/ro-ctop-phc.htm/ (manufacturer web-store) Also, when evaluating RO systems, check...
by Mudpuppy
Sat Nov 04, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3922

Re: water filter for a home

1. What do you know about the prevalence of micro-plastics and their removal? I have limited knowledge on this one. I've read articles about cosmetics with plastic microbeads that have contaminated waste water, which eventually cycles back to drinking water, but that's about it. As a physical conta...
by Mudpuppy
Sat Nov 04, 2017 1:50 pm
Forum: Forum Issues and Administration
Topic: Posting Photo
Replies: 16
Views: 717

Re: Posting Photo

I give up. Frankly it would be nice if they could upgrade this software so mortals can post a photo! But this is not an image posting site. It's a discussion forum. So the first step is to find a more user-friendly image posting site. If TinyPic isn't working for you, there are many other options.
by Mudpuppy
Fri Nov 03, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19588

Re: Excel Macro using Yahoo Finance- not working

Bylo Selhi wrote:
Fri Nov 03, 2017 10:57 am
Anyone know how to get the spot gold price out of Google Finance?
Have you tried going to the main Google Finance page, https://finance.google.com/finance, and using the search tool to see if it can find the right query string for you?
by Mudpuppy
Fri Nov 03, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19588

Re: Excel Macro using Yahoo Finance- not working

Edited to add: One apparent short-coming with Alpha Vantage is that mutual fund quotes seem to be a day behind. The latest close in the data is for Wednesday, 11/1/17. Yesterday's close is still not in the data. I'll have to find a separate data source for mutual fund pricing. It might actually be ...
by Mudpuppy
Fri Nov 03, 2017 10:41 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19588

Re: Excel Macro using Yahoo Finance- not working

Edited to add: One apparent short-coming with Alpha Vantage is that mutual fund quotes seem to be a day behind. The latest close in the data is for Wednesday, 11/1/17. Yesterday's close is still not in the data. I'll have to find a separate data source for mutual fund pricing. It might actually be ...