Search found 5557 matches

by Mudpuppy
Sat Jan 20, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 15
Views: 1881

Re: Capital one 360 money market New $500 bonus

Here's the thread from those of us who took advantage of the $200 bonus for $10k deposit before 12/31/2017: viewtopic.php?f=2&t=236001
by Mudpuppy
Sat Jan 20, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 42
Views: 2225

Re: Telemarketing calls from my own prefix

I am already on the do not call list and verified that. I think I may have stupidly given my number to someone when getting health insurance quotes and not read the fine print (not even sure of the site I used). More likely than not, they got your number on the black market as the result of one of ...
by Mudpuppy
Sat Jan 20, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 44
Views: 2847

Re: Do we need an emergency supplies kit (go bag)?

4. I keep my day hiking backpack permanently stocked with all the emergency equipment I might need if ever lost in the woods for an extended period (first aid, survival gear, backup phone battery and charger etc.). I grab it for every day hike and it is what I would grab in any emergency to stuff t...
by Mudpuppy
Fri Jan 19, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Little lost with the New York City Deferred Compensation Plan
Replies: 7
Views: 663

Re: Little lost with the New York City Deferred Compensation Plan

My guess is to go with equity, international equity, and the bond fund. I personally would select age-10 in bonds and 50/50 with the stocks for whatever is left. I'm not sure I'd recommend a 50/50 split of U.S. stocks with international stocks. I prefer 70% U.S. stocks and 30% international stocks ...
by Mudpuppy
Fri Jan 19, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: 457 worth it with these fees?
Replies: 39
Views: 966

Re: 457 worth it with these fees?

Is this a government 457 plan or a non-government 457 plan? The answer greatly affects the distribution options and protections for the assets while you are employed, and, therefore, the decision about whether or not it is better to invest in the 457 plan or in a taxable account. Schools can be eit...
by Mudpuppy
Fri Jan 19, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Little lost with the New York City Deferred Compensation Plan
Replies: 7
Views: 663

Re: Little lost with the New York City Deferred Compensation Plan

My guess is to go with equity, international equity, and the bond fund. I personally would select age-10 in bonds and 50/50 with the stocks for whatever is left. I'm not sure I'd recommend a 50/50 split of U.S. stocks with international stocks. I prefer 70% U.S. stocks and 30% international stocks ...
by Mudpuppy
Fri Jan 19, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Little lost with the New York City Deferred Compensation Plan
Replies: 7
Views: 663

Re: Little lost with the New York City Deferred Compensation Plan

It looks like NYC has made their own investment funds for their plan instead of using public mutual funds, so most on the forum can only give very general advice about asset allocation, such as what z3r0c00l has given. You should provide a link to the plan site if you want more customized informatio...
by Mudpuppy
Fri Jan 19, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: 457 worth it with these fees?
Replies: 39
Views: 966

Re: 457 worth it with these fees?

Is this a government 457 plan or a non-government 457 plan? The answer greatly affects the distribution options and protections for the assets while you are employed, and, therefore, the decision about whether or not it is better to invest in the 457 plan or in a taxable account. Schools can be eith...
by Mudpuppy
Fri Jan 19, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: 457 worth it with these fees?
Replies: 39
Views: 966

Re: Roll over 457, can it still be accessed anytime w/o penalty?

If you roll over a 457 into an IRA can it still be accessed at any time, or does it revert to the 59.5 rule? Once you roll it over, it's an IRA, not a 457 plan. So it becomes subject to the penalty for withdrawals before 59.5 years of age. If you want to keep the penalty-free early withdrawal optio...
by Mudpuppy
Thu Jan 18, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2391
Views: 441989

Re: What's Your Credit Card Rewards Strategy?

Discover 5% is also possible by purchasing at Costco via Google Express. Google express also has a promotion for 20% off right now. -> so you can actually get 25% off. Not quite 25% off.... Let's say you start with $100 of purchases. First, the 20% off promotion from Google Express would drop that ...
by Mudpuppy
Tue Jan 16, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Questions about salary expectations/negotations
Replies: 13
Views: 1422

Re: Questions about salary expectations/negotations

Update: https://apo.ucsc.edu/docs/scales-crnt.pdf shows that starting salary for assistant professor is about $60K at UC San Diego, so that's a high cost of living area. This blog on psychology tenure-track positions from 2015 seems to confirm that as about normal for a psychology position at a uni...
by Mudpuppy
Mon Jan 15, 2018 4:36 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 106
Views: 8558

Re: What is the best home exercise equipment?

This thread is old so the OP probably made a decision by now. Regarding treadmills being a waste of money - mine certainly hasn't been for me. It's not the 10 degree weather that prevents running in the winter but the lack of a surface to run on (hard to run on ice and snow and snowshowing, cross c...
by Mudpuppy
Fri Jan 12, 2018 1:40 am
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5066

Re: Someone spoofing my phone number?

My cell # was spoofed too and I had about 10 calls a day from people calling me back because they missed my call. Ugh.. who knew people had so much time on their hands. Some of those people may have had work cell phones. Many companies that give out a cell phone as part of a job require all missed ...
by Mudpuppy
Wed Jan 10, 2018 3:08 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 118
Views: 6883

Re: 2018 Hedge Fund contest

Lastly, I'm disappointed that none of our esteemed fund managers had the foresight to see how Kodak (KODK) was going to move into blockchain photo technology , as they announced today they would be offering their own Kodak Coin ICO (ala an IPO). Frankly, this seems unlikely to accomplish much but c...
by Mudpuppy
Wed Jan 10, 2018 3:02 am
Forum: Personal Consumer Issues
Topic: Alliant 3/2.5% card - any experience?
Replies: 32
Views: 4041

Re: Alliant 3/2.5% card - any experience?

I just joined Allian without pay any donation. There is a option for `freelance` in the dropdown that you can choice. That option is supposed to be for members of the Freelancers Union, https://www.freelancersunion.org/, not for any general freelancer. It doesn't sound like Alliant actually checks ...
by Mudpuppy
Wed Jan 10, 2018 2:56 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

Let us agree to disagree. You believe AMD does not allow user mode program to access the kernel memory. I believe the Listing 1 clearly implies otherwise. I do not care whether something is called Meltdown or Spectre. All I know is when term "exception" is being used in this context, ring violation...
by Mudpuppy
Tue Jan 09, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

Do you agree that the entire explanation is valid for AMD also? Exception happens because the unauthorized data access was tried and as it turns out was the data was actually retrieved but just not returned to the user mode caller when processor completed the exception. The side effect of not clean...
by Mudpuppy
Tue Jan 09, 2018 4:37 am
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4484

Re: ID theft and check cashing fraud

Agree that the scammer has info they shouldn't have. Not exactly sure where they got it from, but I would guess they acquired the rest of the information online, maybe with the Equifax leak, or some other leak. Not all the leaks are disclosed. With his name, address, and DL number from the driver's...
by Mudpuppy
Tue Jan 09, 2018 3:59 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

I will continue if you agree that this is straight from the paper. I am suspecting you think I am making this up. I made no such claim that you are making things up. Please do not ascribe motives to me that do not exist. However, I do believe that you are not completely comprehending the paper. The...
by Mudpuppy
Mon Jan 08, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 1826

Re: How to browse specifically for homes with "mother-in-law suite"?

As evidenced by this thread, part of the problem with trying to search for houses with this feature is that there is no common nomenclature for the feature. Is it a guest suite, in-law suite, granny flat, casista, guest house, garage apartment, accessory dwelling unit, or so on? That's a whole lot o...
by Mudpuppy
Mon Jan 08, 2018 1:33 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

However, for both ARM and AMD, the toy example as described in Section 3 works reliably, indicating that out-of-order execution generally occurs and instructions past illegal memory accesses are also performed. Emphasis added; At least this makes it clear that the fundamental problem exist in ARM a...
by Mudpuppy
Mon Jan 08, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

But, as noted quite clearly in Section 6.4, a process running by a user cannot use Meltdown to leak kernel memory on AMD and ARM processors: We also tried to reproduce the Meltdown bug on several ARM and AMD CPUs. However, we did not manage to successfully leak kernel memory with the attack describ...
by Mudpuppy
Mon Jan 08, 2018 1:24 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

The "toy example" they refer to in Section 6.4 of the Meltdown paper is basically a variant of Spectre, which allows one to access other memory locations within one's current ring. That AMD and ARM are susceptible to Spectre is not in dispute. But, as noted quite clearly in Section 6.4, a process r...
by Mudpuppy
Sun Jan 07, 2018 3:41 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

xkcd has a new comic up about Spectre and Meltdown: https://xkcd.com/1938/
by Mudpuppy
Sun Jan 07, 2018 3:26 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

Section 6.4 also makes it clear that the toy version successfully leaks the data on ARM and AMD. If the AMD has the ring protection as some of you are claiming, then the toy program would have failed. The "toy example" they refer to in Section 6.4 of the Meltdown paper is basically a variant of Spe...
by Mudpuppy
Sun Jan 07, 2018 3:08 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

Isn't this vulnerability sort of like Van Eck Phreaking in the sense that it would difficult to exploit outside of a laboratory? I don't have a complete understanding of it but the timing issues in particular seem like they would present a challenge in real world applications. The reason so many br...
by Mudpuppy
Sat Jan 06, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

The Pale Moon team claims their browser is safe. They're not resting on their laurels, however. Pale Moon is a fork of Firefox. What do we know about other browsers? It looks like Pale Moon artificially "slows down" timers in JavaScript so that an attacker won't be able to execute a timing-based at...
by Mudpuppy
Sat Jan 06, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

Question to MudPuppy:- Given that the exploit uses repeated exceptions to infer the protected data, why not have a patch which clamps down and kills the offending thread when it does "too many" exceptions "too quickly"? Come to think of it, generally one strike and out rule is applied to the except...
by Mudpuppy
Sat Jan 06, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

Intel says, "Dont worry, be happy!" "The statistical analysis of these behaviors can in some cases be used to potentially expose sensitive data on computer systems that are operating as designed. These exploits do not have the potential to corrupt, modify or delete data." Notice the words "operatin...
by Mudpuppy
Sat Jan 06, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 118
Views: 6883

Re: 2018 Hedge Fund contest

I almost forgot to post my actual hedge fund. Pseudorandom Walk Down Wall Street Fund Longs: PSDO (PRESIDIO INC) RNWK (REALNETWORKS INC) Shorts: DOW (DOW CHEMICAL CO) NWL (NEWELL BRANDS INC) LSTR (LANDSTAR SYSTEMS INC) Special Note: You have to be looking at the 2017 Russel 3000 membership file to f...
by Mudpuppy
Sat Jan 06, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

Businesses want to fail fast. Teams develop using agile methodologies. The business forces pushing out minimum viable content and letting the consumer beta test while getting paid for it. Iterate your way to success. The problem is that most of these teams each developer or engineer only understand...
by Mudpuppy
Sat Jan 06, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

How do we know that these vulnerabilities have NOT been exploited already????? If some hacker has used this before I am pretty sure he/she is not telling anyone...... There has been no malware discovered in the wild that takes advantage of these vulnerabilities, which means if any malware does exis...
by Mudpuppy
Sat Jan 06, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

Look, I don't disagree with you completely but I stand on the point that there will always be exploits. No amount of human engineering has yet been capable of making a system that is impossible to exploit. If you review my post history, you'll see that I quite frequently have said it is impossible ...
by Mudpuppy
Sat Jan 06, 2018 1:37 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

Without a fundamental redesign from the bottom-up with security as the primary motivation, it's just going to keep happening. The problem is that many of these exploits only seem obvious in hindsight. You could have a whole team of engineers building something with security in mind and they'd still...
by Mudpuppy
Sat Jan 06, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

The patch will have a bigger impact on memory-intensive programs that switch frequently between different privilege levels. Unfortunately, switching between privilege levels is very common, particularly through something called a "system call" or "syscall" for short. Many common tasks like reading ...
by Mudpuppy
Fri Jan 05, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

No it's not a software issue. The problem is that software (malware) can read data that is not in the processes memory map. Is there a URL that describes that in detail? If the hardware is allowing a process to access memory outside of the address space of the process, then the problem does not dep...
by Mudpuppy
Fri Jan 05, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

One of the principle behind "good" guys finding this type of issues and reporting this privately to the "powers to be" is that the vulnerability is publicly disclosed only after the patch has been in place for a while. From reading the current news, it seems as if the patches have not been yet wide...
by Mudpuppy
Fri Jan 05, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

If javascript is disabled, what next could the attackers use to access the cache? This is primarily a rhetorical question because those of use who routinely turn off javascript, must turn it back on to access most financial sites. But it's good to understand how this all works. From what has been p...
by Mudpuppy
Fri Jan 05, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

As for the performance hit after applying patches, that has to do with the caches. The primary software fix to keep information from leaking between instructions running with different permissions is to flush the caches before running instructions with a different set of permissions. But you are fi...
by Mudpuppy
Fri Jan 05, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

That’s why I suggested a chromebook with a limited attack surface (vs a full PC OS) using a PC VM hosted in the cloud without the chip-based vulnerability. https://www.google.com/amp/s/www.cnbc.com/amp/2018/01/03/microsoft-google-respond-to-intel-chip-vulnerability.html Cloud VMs hosted on Linux-ba...
by Mudpuppy
Fri Jan 05, 2018 3:29 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6609

Re: Chip architecture vulnerability in pretty much everthing

That’s why I suggested a chromebook with a limited attack surface (vs a full PC OS) using a PC VM hosted in the cloud without the chip-based vulnerability. https://www.google.com/amp/s/www.cnbc.com/amp/2018/01/03/microsoft-google-respond-to-intel-chip-vulnerability.html Cloud VMs hosted on Linux-ba...
by Mudpuppy
Thu Jan 04, 2018 2:47 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7118

Re: The Economics of a new Puppy

Sockpuppet wrote:
Thu Jan 04, 2018 12:13 am
Source: Bought a puppy a year ago. He’s amazing but has cost about $10,000 so far.
That's a pricey pupper... I hope his health is okay and he just has a habit of destroying very expensive things.
by Mudpuppy
Wed Jan 03, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 118
Views: 6883

Re: 2018 Hedge Fund contest

... 6. The universe from which to choose is the Russell 3000 http://www.ftserussell.com/files/support-documents/membership-russell-3000 . If you pick shares not on this list and it's not caught and corrected before the deadline, your portfolio will be disqualified. Please double-check. The file I d...
by Mudpuppy
Wed Jan 03, 2018 1:43 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 118
Views: 6883

Re: 2018 Hedge Fund contest

Is the Vanguard russell 3000 index VTHR a valid source of stocks? Vanguard's fund seeks to match the composition and returns of Russell 3000, but does not guarantee an exact match. The link given in the rules is directly to FTSE Russell, which maintains the official Russell 3000 index. However, the...
by Mudpuppy
Wed Jan 03, 2018 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Capital 1.35% savings with $200 bonus (10k deposit)
Replies: 18
Views: 2526

Re: Capital 1.35% savings with $200 bonus (10k deposit)

Jeep512 wrote:
Sat Dec 30, 2017 9:58 am
Mudpuppy wrote:
Sat Dec 30, 2017 12:37 am

So it looks like I've squeaked in just under the wire. We'll see how soon "within 60 days" ends up being for the bonus.
Mine was paid very quickly - in a week or less IIRC
You were right on this one. The $200 bonus posted to my account today.
by Mudpuppy
Tue Jan 02, 2018 3:33 pm
Forum: Forum Issues and Administration
Topic: Slow loading of pages.
Replies: 22
Views: 2021

Re: Slow loading of pages.

Traceroute shows the most delay while transiting through Level3 in Las Vegas. I would assume that is the backbone provider that the hosting company is using. I don't see anything posted yet about issues on Level3 today, but it wouldn't be the first time it has had issues. I think it was just last mo...
by Mudpuppy
Tue Jan 02, 2018 2:34 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 142
Views: 8290

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

I hope everyone who is guessing in this thread is also filling out the entry form, as stated in the instructions at the top of the thread.
by Mudpuppy
Tue Jan 02, 2018 2:32 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 36127

Re: 2017 hedge fund contest

December has ended and my musically inspired picks ended up above the index. If we do have a 2018 contest, I'll need to find another musical inspiration.
by Mudpuppy
Tue Jan 02, 2018 2:07 am
Forum: Personal Finance (Not Investing)
Topic: PenFed messed up my mortgage payment - again
Replies: 8
Views: 1061

Re: PenFed messed up my mortgage payment - again

I have never opted for escrow account for my primary residence, for this reason so that I can have full control over payment of property-tax, insurance etc. Also, I don't want the bank to use my money interest-free for a year. California finance code requires 2% interest on an escrow account, so my...
by Mudpuppy
Mon Jan 01, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3704

Re: Car headlights or Daytime Running Lights - what do you do?

I turn my lights on all the time, both to improve visibility and to make it part of my driving habit. My driving habit is get in the car, fasten seat belt, lock door, put in the keys, start car, turn on lights, and clean the windshield if needed. That way, day or night, turning on the lights is part...