Search found 5858 matches

by Mudpuppy
Mon Apr 30, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: 457 to fund my downpayment or just save the money
Replies: 10
Views: 803

Re: 457 to fund my downpayment or just save the money

[deleted - thread is derailing into nitpicking my mistake instead of advising the OP against taking a loan from the 457 plan for a down payment]
by Mudpuppy
Mon Apr 30, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6987

Re: Learning to drive stick

Out of curiosity, what is the problem with coasting? Coasting in this context most likely means having the manual transmission in neutral, rather than in gear, while moving down the road. For example, some people put their car in neutral when going down a hill, instead of just letting off the gas p...
by Mudpuppy
Mon Apr 30, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Preventing Smoke from Seeping In
Replies: 22
Views: 2434

Re: Preventing Smoke from Seeping In

This is definitely coming from the room or rooms adjacent and indoors. They do smoke outside but that is three floors down and away from the area in question. The fact that sometimes it smells like pot also indicates it's coming from the inside. Appreciate the suggestions so far. If they open their...
by Mudpuppy
Sun Apr 29, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Preventing Smoke from Seeping In
Replies: 22
Views: 2434

Re: Preventing Smoke from Seeping In

As the others have said, it's going to be very hard to prevent the smoke from seeping over. Not only are there shared walls, if they ever smoke outside, that will waft all over the place. When I had the misfortune of living in an apartment next to a smoker, I got a Hepa filter with CPZ inserts for c...
by Mudpuppy
Sun Apr 29, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Career question
Replies: 8
Views: 1207

Re: Career question

Perhaps instead of taking on extra work assignments that may or may not come with extra compensation, you can direct your skills towards volunteering for a local non-profit who needs assistance in your area of specialty. Without knowing more about what your area of specialty is though, I couldn't sa...
by Mudpuppy
Sun Apr 29, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help automating finances for low income sibling who is bad with money
Replies: 10
Views: 1419

Re: Help automating finances for low income sibling who is bad with money

He has some special needs so he does need some support. What i'm looking for is a better way for family to help hold him accountable and avoid this waste while giving him an easier way to win. NYC - He is able to live on his own and is not at the "special needs" level though has significant difficu...
by Mudpuppy
Sun Apr 29, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3602

Re: Favors for Family/Friends and Getting Compensated or Not?

So an example of favors are: ride to the airport (one hour round trip) moving (all day moving heavy furniture) babysitting all day every weekday painting interior of house home construction/repair jobs Again, I feel like they unfairly take advantage of their family and don't give back much in retur...
by Mudpuppy
Sun Apr 29, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: 457 to fund my downpayment or just save the money
Replies: 10
Views: 803

Re: 457 to fund my downpayment or just save the money

[deleted - thread is derailing into nitpicking my mistake instead of advising the OP against taking a loan from the 457 plan for a down payment]
by Mudpuppy
Sun Apr 29, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Job Search Suggestions (Tech)
Replies: 14
Views: 1219

Re: Job Search Suggestions (Tech)

Certifications has never been my thing but sometimes (especially in dealing with federal government contracts) they are desired so I figured getting a few basics (CISSP, CEH, SANS GPEN) on someone else's dime don't hurt anything. I'll check out Indeed and possibly re-activate my LinkedIn account. A...
by Mudpuppy
Sun Apr 29, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Job Search Suggestions (Tech)
Replies: 14
Views: 1219

Re: Job Search Suggestions (Tech)

I'm an Electrical Engineer who has done a variety of engineering work in the last 25+ yrs: hardware design, programming, digital signal processing and for the last 5-10 yrs computer security. I've been in and out of the government and also have had jobs with a couple of larger defense companies (al...
by Mudpuppy
Sun Apr 29, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: WALK ME Appearing on URL Bar [during Fidelity login]
Replies: 26
Views: 3312

Re: WALK ME Appearing on URL Bar [during Fidelity login]

But in this case, it just seemed weird. I am trusting the BH site to not sell my data. I also thought Apple’s iOS would provide sufficient isolation between apps to not let FB’s app spy on what I do in other apps. No selling of data has to be involved. There are many ways for one app to siphon off ...
by Mudpuppy
Sun Apr 29, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: can't login to vanguard this a.m.
Replies: 17
Views: 1556

Re: can't login to vanguard this a.m.

Saturday night-Sunday mornings they might be undergoing software releases. I guess just need to wait for some time. Exactly. Weekends are prime-time for software updates and they don't always go as planned. People should have patience and give the developers time to sort out what went wrong and fix...
by Mudpuppy
Sun Apr 29, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: WALK ME Appearing on URL Bar [during Fidelity login]
Replies: 26
Views: 3312

Re: WALK ME Appearing on URL Bar [during Fidelity login]

Ok, this is pretty interesting: I had never even heard of WalkMe until I read this thread a few minutes ago. Then I launched my Facebook app and what appears near the very top of the newsfeed? A sponsored post by WalkMe about their integration with Salesforce. Small world? And FWIW, I was reading t...
by Mudpuppy
Sun Apr 29, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: 457 to fund my downpayment or just save the money
Replies: 10
Views: 803

Re: 457 to fund my downpayment or just save the money

[deleted - thread is derailing into nitpicking my mistake instead of advising the OP against taking a loan from the 457 plan for a down payment]
by Mudpuppy
Sun Apr 29, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: WALK ME Appearing on URL Bar [during Fidelity login]
Replies: 26
Views: 3312

Re: WALK ME Appearing on URL Bar [during Fidelity login]

I find Privacy Badger to be more useful on my "random website browsing" virtual machine than my financial virtual machine, since I am visiting very few sites on my financial VM. My primary extensions for the financial VM are an ad-blocker (my preferences are either AdBlock Plus or uBlock Origin), No...
by Mudpuppy
Sun Apr 29, 2018 12:46 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6987

Re: Learning to drive a stick [car with manual transmission]

I never use the emergency brake while driving. The vehicle won't choke down in the time it takes me to move my foot from brake to accelerator as I know where the clutch engages and can get near that point during the maneuver (so I don't roll back). Great that this works for you (and it's also the t...
by Mudpuppy
Sat Apr 28, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6987

Re: Learning to drive a stick [car with manual transmission]

It's very difficult to heel-toe some cars with the way the pedals are laid out. I'd have to have my foot nearly sideways to manage heel-toe in my current Honda Accord, and I have average sized female feet. It's changed the way I downshift when I have to brake and downshift at the same time, but it j...
by Mudpuppy
Sat Apr 28, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6987

Re: Learning to drive stick

2. NEVER get a stick without a hand brake. You need a hand brake (NOT the foot push type) to be safe on a hill How do hills prevent you from using a foot brake? Because it's more than a wee bit difficult to operate four pedals with just two feet. The whole purpose of the e-brake on a hill with a MT...
by Mudpuppy
Sat Apr 28, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: 457(f)
Replies: 5
Views: 702

Re: 457(f)

I'm also not personally familiar with 457(f) plans. From my reading of IRS documents to help out a previous poster on this issue though, I'd agree with what Spirit Rider and neurosphere have written about the plans. I'll add the same caveat that I could be wrong since I've only read documents and ha...
by Mudpuppy
Sat Apr 28, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Potential risk with Chase URs [Ultimate Rewards]
Replies: 20
Views: 2883

Re: Potential risk with Chase URs [Ultimate Rewards]

You may be right. I tried to transfer UR just last week between freedom and reserve and it would not allow me to do on the website. I called customer service and he took care of it right away. But that was very puzzling to me at the time. Maybe a sign of things to come. Doubt it. I just transferred...
by Mudpuppy
Sat Apr 28, 2018 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Potential risk with Chase URs [Ultimate Rewards]
Replies: 20
Views: 2883

Re: Potential risk with Chase URs [Ultimate Rewards]

Doctor of Credit first floated this rumor about a year ago (edit: after the aforementioned surveys went out). I've been transferring my UR points monthly from my Freedom to CSR since then, but that's about it. I'll believe it when I see it at this point.
by Mudpuppy
Fri Apr 27, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.85 [Money Market Rate To 1.85% APY]
Replies: 53
Views: 5961

Re: Capital One now at 1.60

If you don't touch these savings much and can sacrifice a little simplicity and ultra-short liquidity, depending on your state tax rate, the tax equivalent yield on 3 month T bills is around 2% now. Purepoint savings is 1.75% The whole point of having something like the Capital One 360 account is t...
by Mudpuppy
Fri Apr 27, 2018 1:24 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 362
Views: 46590

Re: MoviePass-Too good to be true, but it's legit.

FYI, the CEO of MoviePass was noncommittal when asked if the 1 movie per day plan would come back after the iHeartRadio promotion according to Hollywood Reporter: https://www.hollywoodreporter.com/news/is-moviepass-ending-idea-30-tickets-price-one-1106014. Perhaps they're reading too much into the C...
by Mudpuppy
Thu Apr 26, 2018 1:03 am
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 2631

Re: Help! Nephew is asking for college advice (undergrad choices)

I would also recommend Purdue off that list. And if there are concerns about goofing off with your nephew being that far away from home, your sister and brother-in-law could put some conditions on the financial support they provide. But do keep in mind that engineering is a hard major and getting a ...
by Mudpuppy
Sun Apr 22, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: WALK ME Appearing on URL Bar [during Fidelity login]
Replies: 26
Views: 3312

Re: WALKME Appearing on URL Bar

Fidelity is a customer of WalkMe and the Fidelity website does have embedded cdn.walkme.com items. See the report from the following beta site for checking the privacy metrics of other websites: https://privacyscore.org/site/40768/ I just replicated the contact with WalkMe by browsing Fidelity in my...
by Mudpuppy
Sun Apr 22, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3827

Re: Need to cut the cable cord - is there an alternative?

Check on the price of internet alone. In some places, internet with a bare bones TV package is no more expensive than internet alone. That really depends on the carrier and how much retention will make a deal just to keep a customer. Retention isn't always going to cut a deal just to keep people ar...
by Mudpuppy
Sun Apr 22, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3827

Re: Need to cut the cable cord - is there an alternative?

Put up an antenna to get the local channels; if you have internet service, get a Roku for streaming services. You won’t get live sports channels such as ESPN, but I’ve been a Roku / antenna consumer for a number of years and haven’t really missed them. I have a small TV next to my side of the bed a...
by Mudpuppy
Sun Apr 22, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Bose quiet comfort noise cancelling headphones
Replies: 10
Views: 1804

Re: Bose quiet comfort noise cancelling headphones

It's the noise cancellation that is not working well. For example, they used to block almost entirely the noise of my neighbor's lawn mower, now it is quite audible. Have you looked at the microphone holes to make sure there's nothing blocking them? I know my QC15 set has poor noise cancelling perf...
by Mudpuppy
Sun Apr 22, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Remedy for Post-Purchase Problem (House)
Replies: 10
Views: 1308

Re: Remedy for Post-Purchase Problem (House)

Installed by previous owner less than four years ago, it leaks at various places into the attic. The roof is likely under a warranty if it is that new so the first thing to do would be to get a copy of that and see what the details are and if the manufacturer will back it. A lawyer might be needed ...
by Mudpuppy
Sun Apr 22, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3827

Re: Need to cut the cable cord - is there an alternative?

Here is what I did nearly a decade ago to cut the cable cord: 1) I dusted off an old amplified antenna and plugged that into the antenna-in port on the back of the TV for over-the-air TV. In my local area, there are the major over-the-air affiliates (NBC, CBS, ABC, FOX, CW, PBS), multiple Spanish ch...
by Mudpuppy
Sun Apr 22, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2597

Re: estate planning with animals

Good for your mother's friend. I would have looked in the animal shelters, but I suspect the guy didn't even go to that trouble, just drove the cat somewhere and dumped it. If I had my way, anyone who harmed an animal would be teleported into the sun, and that's probably too good for them. And that...
by Mudpuppy
Sun Apr 22, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2597

Re: estate planning with animals

One followup question. Most people responding to this thread seem to be assuming all 100+ animals on the farm are pets, but how many are actually pets and how many are part of the farm? The farm animals that are not pets can be sold to other farms upon your passing. The issue of finding homes for 4 ...
by Mudpuppy
Sun Apr 22, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2597

Re: estate planning with animals

Just as you can set up a trust to care for a dependent adult child after your passing, you can also set up a trust for the benefit of your animals after your passing. The trust would specify when/how the animals are to be rehomed, or which relative receives the property due to agreeing to care for t...
by Mudpuppy
Sat Apr 21, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 4728

Re: Undecided students and STEM majors

I dont think either discipline is "easy" or "basic" ... it all depends on ones interest and aptitudes. I know that at the basic level I took in engineering electives, OOP and data structures came easier to me than analog circuits :twisted: but I know that when dedicated majors get into the advanced...
by Mudpuppy
Sat Apr 21, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: Bose quiet comfort noise cancelling headphones
Replies: 10
Views: 1804

Re: Bose quiet comfort noise cancelling headphones

When you say "working poorly", what exactly do you mean? Are noises not being cancelled? Is there background static or popping noises? A better description of the problem can lead to more help with troubleshooting the issue. And my many, many years old QC15 headphones are still working, so only gett...
by Mudpuppy
Fri Apr 20, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 362
Views: 46590

Re: MoviePass-Too good to be true, but it's legit.

If you join now, you will be limited to 4 movies per month, according to Dr. of Credit. I believe I read: (1) this is temporary, for a few months, during its marketing agreement with iHeart Radio for 3 free months of that service, and will revert back to the old system of unlimited movies; and (2) ...
by Mudpuppy
Fri Apr 20, 2018 1:44 am
Forum: Personal Consumer Issues
Topic: Best places to find discontinued appliance parts?
Replies: 14
Views: 1672

Re: Best places to find discontinued appliance parts?

If there is a metalworking / welding shop in your town, they might be able to either rework a "too big" rack or build one from scratch. This would likely be more expensive than if you can find the right size at an appliance store or online, but this is something to consider if you can't find a match...
by Mudpuppy
Fri Apr 20, 2018 12:38 am
Forum: Personal Consumer Issues
Topic: Fixing Deadbolt Lock
Replies: 18
Views: 1456

Re: Fixing Deadbolt Lock

As someone who previously owned Kwikset SmartKey locks, I highly, highly recommend buying something else due to a huge security flaw. Take a look at this video and see for yourself: https://www.youtube.com/watch?v=sR-h64WwfW8 Most of the keyed deadbolts you can buy at a big box store are going to h...
by Mudpuppy
Thu Apr 19, 2018 1:05 am
Forum: Personal Consumer Issues
Topic: Open Office Calc problem
Replies: 17
Views: 1489

Re: Open Office Calc problem

Would it be possible just to copy the entire data sheet to a separate tab in your spreadsheet to get rid of the links? I used to use links a lot, now I avoid them unless absolutely necessary. That looks very promising. I did an experiment and it seemed to do what I wanted. That shouldn't be too bad...
by Mudpuppy
Wed Apr 18, 2018 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help figuring out investment/retiring/medium term savings
Replies: 7
Views: 1382

Re: Help figuring out investment/retiring/medium term savings

Do you have advice on whether a Roth or Traditional 457b makes more sense? I am leaning towards Roth because the main case I can predict where I would suddenly need a lot of liquid cash would be if I moved out my city, therefore out of my job, and possibly to a new city where buying made more sense...
by Mudpuppy
Sun Apr 15, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3711

Re: Las Vegas hotel

One thing to keep in mind about Las Vegas hotels is if there is a casino on the property, smoking is allowed on the property. If you have any sensitivity to smoke (asthma, bronchospasms, etc.) then you'll want to stay at a property without a casino that is 100% non-smoking. This may mean passing on ...
by Mudpuppy
Sun Apr 15, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software problem
Replies: 16
Views: 1622

Re: H&R Block software problem

I had no problems with the 2016 AGI import or with creating a brand new PIN for this year using the desktop H&R Block Deluxe.
by Mudpuppy
Sun Apr 15, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Anti-siphon valve making noise (irrigation system)
Replies: 6
Views: 1177

Re: Anti-siphon valve making noise (irrigation system)

My guess is that those two drip zones do not have the same flow rate as the other zones and this is causing the noise at the anti-siphon valve. Have you tried adjusting the valves for that zone to increase or decrease the flow rate to see if it affects the noise? Edit: You could also have air in tho...
by Mudpuppy
Sun Apr 15, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help figuring out investment/retiring/medium term savings
Replies: 7
Views: 1382

Re: Help figuring out investment/retiring/medium term savings

This is the first year I expect to be able to save money beyond my TDA+IRA+ongoing repeating expenses. This year, probably not much beyond that, but in future years hopefully more. I am having a lot of trouble deciding what to do with that savings. Given the high fees for the 457/401k plan I'm elig...
by Mudpuppy
Sat Apr 14, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 126
Views: 20860

Re: Tipping for restaurants where you order at the counter

I've noticed three main types of restaurants where you order at the counter. In all, you pay in advance and you are prompted to enter a tip amount: 1. You pick up your food at the counter, then you clean up after yourself and put your dishes by the trash can, like at Panera. 2. They bring the food ...
by Mudpuppy
Sat Apr 14, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 11645

Re: Mid-40s in tech - how to pass off as acceptably young

2. You're talking to a youngster. They're busy, they don't even want to do the interview. They have done no prep whatsoever, probably haven't bothered to read your resume. Are you sure the younger interviewer is busy, doesn't want to be there, and hasn't prepped? You can’t be sure, but you can gues...
by Mudpuppy
Sat Apr 14, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 11645

Re: Mid-40s in tech - how to pass off as acceptably young

2. You're talking to a youngster. They're busy, they don't even want to do the interview. They have done no prep whatsoever, probably haven't bothered to read your resume. But they're smart and still relatively fresh out of school. Expect topics like "tell me about yourself", "why should we hire yo...
by Mudpuppy
Fri Apr 13, 2018 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Do escrow accounts in California earn interest?
Replies: 15
Views: 3980

Re: Do escrow accounts in California earn interest?

Just an FYI to the OP, if you are still having trouble resolving this, you might be interested in a recent Ninth Circuit Court decision on this issue: https://www.law.com/therecorder/2018/04/09/interest-on-escrow-funds-yes-even-from-national-banks-says-ninth-circuit-in-lusnak/?slreturn=2018031302280...
by Mudpuppy
Fri Apr 13, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2438

Re: Cedar Fence: is Maintenance required?

The majority of the fence that you can see, the planks, don't really matter much to the structural integrity of keeping the fence standing up. It's the posts and cross-beams that keep the fence standing. The two primarily failures I've seen is rotted posts and beams. You can't do much to treat the p...
by Mudpuppy
Thu Apr 12, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 11645

Re: Mid-40s in tech - how to pass off as acceptably young

Prepping better: The two things I did NOT do that could have helped: a mock interview with a friend and practicing voice delivery by using a voice recorder. I will be fixing this. The friend I have in mind (similar age as me) is also in the interview process, but for a technical manager role. So th...