Search found 5630 matches

by Mudpuppy
Sat Feb 24, 2018 1:56 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 31
Views: 2876

Re: How Secure Is Your Apartment

So for your apartment dwellers, how comfortable are you trusting apartment personnel who have access to your apartment not to invade your personal files, both electronic and hard copy, when you're not there? Have you taken any extra security measures to protect them? I'm not so concerned if they st...
by Mudpuppy
Sat Feb 24, 2018 1:49 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 31
Views: 2876

Re: How Secure Is Your Apartment

My MIL lived in an apartment the last 25 years of her life, and when we cleaned it our we never found several items we expected to be there. I know there were times when she returned home after an outing and discovered maintenance people in there doing one task or another. Many states require writt...
by Mudpuppy
Sat Feb 24, 2018 1:30 am
Forum: Personal Consumer Issues
Topic: New Dryer with Issues... Should I return it?
Replies: 6
Views: 433

Re: New Dryer with Issues... Should I return it?

I am unclear on this point: Does the sensor still operate as intended even though there is lint? Just because the repair person replaced it doesn't mean it was malfunctioning. They may have just done that to say they did something on the service visit or to humor you. You said "same thing is happeni...
by Mudpuppy
Sat Feb 24, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 42
Views: 2696

Re: Good Hotel in DC

So it is cheaper for Thurs. thru Mon. stays? I am used to the weekend being more expensive. I will have my wife and kids with me (14, 9 & 8). The airBNB seems like a possibility to look into. The dramatic difference I've noticed is in airfare. Hotel stays vary too, but nothing quite so dramatic as ...
by Mudpuppy
Fri Feb 23, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1388

Re: Inherited tIRA all in HAINX

What international stock funds are offered in the 401k/457 plans? Please give fund names, index or benchmark used, and expense ratio. It may be that you will want your international stock allocation in the 401k/457 rather than in the inherited traditional IRA. I'm not the OP, but I am a fellow Cali...
by Mudpuppy
Fri Feb 23, 2018 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1388

Re: Inherited tIRA all in HAINX

So maybe rather than seeing the RMDs as fun money, you can save it in a "just in case" fund. I am a newly converted bogle-person and I have much to learn and have to change my entire outlook. Like using the RMD to help to make up for my future gap. When I read your post I thought “what gap”. You se...
by Mudpuppy
Thu Feb 22, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1388

Re: Inherited tIRA all in HAINX

Target retirement age: 63 / State of CA (pre-reform) employee Expected pension: Calpers 2% @ 55 $5,500 per month gross (80% of current). Because there will be no health insurance or pension contribution deducted from my expected pension payments my net pay will be closer to 90% of my current net pa...
by Mudpuppy
Thu Feb 22, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1388

Re: Inherited tIRA all in HAINX

Is there an employer match offered in the 401k/457 plans? Are you contributing enough to get the full employer match every year? What funds are you using in your traditional 401k and Roth 457 accounts? What funds are offered in the traditional 401k and Roth 457 plans? Please give fund names, ticker...
by Mudpuppy
Thu Feb 22, 2018 12:31 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2292

Re: Blank line doubling

No apologies are needed. I appreciate the efforts from everyone to point this out. Moving forward, I've created a test here which reproduces the problem. No further examples are necessary, I have more than enough to work with. So I spent a little time looking at the phpBB support forum. I didn't se...
by Mudpuppy
Wed Feb 21, 2018 12:24 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2292

Re: Blank line doubling

Looking at the generated html when a post does not contain an image line breaks are encoded as "<br>" while if it does contain an image line breaks are encoded as "<br><\br>". Unless I am mistaken <\br> is not a legitimate piece of html4 while an unclosed <br> is not a legitimate piece of xhtml. I ...
by Mudpuppy
Tue Feb 20, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: 457b deferred comp proposal
Replies: 4
Views: 390

Re: 457b deferred comp proposal

Desired Asset allocation : age -10 so 78% stocks / 22% bonds. Desired International allocation : I am thinking 20% Risk Tolerance (I added this): Tbh, I am highly risk-averse. However, I am also patient, and decent in stressful situations. I want to go with a riskier profile (for now) due to my age...
by Mudpuppy
Mon Feb 19, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Annuity policy Help
Replies: 3
Views: 254

Re: Deferred Annuity policy Help

Depending on what agency she works at and what level it is (i.e. state vs local), there may be other 457(b) options available to your wife. For example, many local agencies in California contract with CalPERS, which lets their employees invest with either the agency's 457(b) provider or with the Cal...
by Mudpuppy
Mon Feb 19, 2018 1:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 406
Views: 39395

Re: Your USER NAME...what does it mean?

There is also a Rush song of the same name which is based upon the poem: https://www.youtube.com/watch?v=SEuOoMprDqg I wouldn't say I'm a huge fan of Rush but I definitely appreciate their music, I hadn't heard that before, thanks! Coincidentally, Rush plays a significant role in the movie I separa...
by Mudpuppy
Sun Feb 18, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: More than income into retirement + AA question
Replies: 3
Views: 508

Re: More than income into retirement + AA question

I have two questions: 1) I am a physician graduating training this year and have a fairly unique employment arrangement. I will have a joint appointment at a university and the hospital with the vast majority of my income coming from the hospital (>95%) and a much smaller amount coming from the uni...
by Mudpuppy
Sun Feb 18, 2018 2:59 pm
Forum: Forum Issues and Administration
Topic: Using math notation in Bogleheads posts
Replies: 11
Views: 1211

Re: Using math notation in Bogleheads posts

I don't see any effect of the equations you posted because I don't have the user script or display engine. Making every user install something to their browser isn't realistic. phpBB can display math. Here's an example: http://www.sosmath.com/CBB/viewtopic.php?f=2&t=69399 As a user I don't have to ...
by Mudpuppy
Sun Feb 18, 2018 2:51 am
Forum: Forum Issues and Administration
Topic: Using math notation in Bogleheads posts
Replies: 11
Views: 1211

Re: Using math notation in Bogleheads posts

OP: What you are proposing was originally designed and implemented by Donald Knuth, Professor Emeritus at Stanford University. TeX https://en.wikipedia.org/wiki/TeX And you can download TeX / LaTeX software which can take that markup and spit out a PDF or image file, which can then be uploaded and ...
by Mudpuppy
Sun Feb 18, 2018 2:39 am
Forum: Investing - Help with Personal Investments
Topic: 457(b) and healthcare 2019 questions
Replies: 5
Views: 488

Re: 457(b) and healthcare 2019 questions

Hey all: I’ve turned into a bit of a finance fanatic though with lots to learn. I am a government employee with a 457(b) and have some questions: 1) With the 457 we’re actually able to do Roth 457 contributions up to $18,500 if we want to but the combination of pretax and Roth contributions can’t s...
by Mudpuppy
Sat Feb 17, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10080

Re: My Over $300K Vanguard Balance Disappeared?

This is an avoidable problem. Your Amazon order history or Gmail archives are never unavailable. In today's world, tolerating poor customer experiences like this is a business decision. But I think that was exactly simas' point: issues like this are often due to business decisions rather than IT pr...
by Mudpuppy
Sat Feb 17, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Recurring charges after compromised card
Replies: 8
Views: 503

Re: Recurring charges after compromised card

I had some unauthorized charges on my Mastercard and they issued me a new card with a new card number. I know that companies for which you have set up recurring charges (autopays) can use a service to get this new number. According to what I was told by a credit card company previously (Amex), some...
by Mudpuppy
Sat Feb 17, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 1245

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

Also note you may want your own modem and wireless router (best not to do a 2-in-1) for further savings and MUCH better quality of service. Spectrum Internet plans do not have a separate line-item fee for cable modem rentals. So while you can provide your own modem for reliability purposes (buying ...
by Mudpuppy
Sat Feb 17, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 1245

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

Why do you think AT&T would be worse? They have U-verse, which is supposedly fiber to the home. It's got to be better than Spectrum's. There's several different ways AT&T provides Internet service. AT&T uVerse is usually a hybrid copper-fiber service. That means it's fiber from AT&T's infrastructur...
by Mudpuppy
Sat Feb 17, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 1245

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

To point out, I was crystal clear that I wanted to cancel TV. There did seem like some language barrier with the first rep but it was ridiculous how long it took. The second guy sounded from didn't have an accent, but seemed quite fake with the apologies. Back before the Charter/Spectrum buy-out, t...
by Mudpuppy
Fri Feb 16, 2018 11:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 406
Views: 39395

Re: Your USER NAME...what does it mean?

Mine is a combination of the generic title for a Sith Lord (in Star Wars lore), plus a mythical place from a Samuel Taylor Coleridge poem. In Xanadu did Kublai Khan A stately pleasure dome decree Where Alph, the sacred river, ran Through caverns measureless to man Down to a sunless sea. That's the ...
by Mudpuppy
Thu Feb 15, 2018 10:01 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8384

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

On the other hand (see my post above), I don't think people should be giving unsolicited advice on things the OP didn't ask about. Which can be a dicey thing I know because maybe someone isn't aware of a side issue that is relevant to their main question. There is a subtle, but important, line betw...
by Mudpuppy
Thu Feb 15, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21407

Re: Do you see a meaningful change in your income with new Tax Bill?

According to the tax plan calculator (thank you for the link) we’ll save around $2500. This is great news for us! The calculators were way off for forecasting our situation. Turns out our take home pay will increase by around $8000. Very significant and meaningful!!!! Have you had multiple paycheck...
by Mudpuppy
Thu Feb 15, 2018 1:47 am
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8384

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

So when someone asks for portfolio help, what is the polite way to ask them to follow the requested format? And then, after that when they don't follow the format, what is the polite way to ask them to really follow the format? And then, they won't do the work of calculating percentages themselves ...
by Mudpuppy
Wed Feb 14, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9406

Re: Job is starting to suck the life out of me.

Thanks for your comment on my reply mudpuppy, but what you mention as a negative, being very hard to fire someone, is actually a HUGE advantage to you, most especially as you get older. As I said, the union contracts protect both the good employees and the bad employees. As much as the protections ...
by Mudpuppy
Wed Feb 14, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9406

Re: Job is starting to suck the life out of me.

If you really want to improve things, try to look for a public job. Those I know in fed/state/local jobs seem much happier. I don't know about that. Getting a bad manager or co-workers in the public sector is just as soul-draining as it is in a megacorp. But in the public sector, it can be very har...
by Mudpuppy
Tue Feb 13, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 7561

Re: Capital one 360 money market New $500 bonus

Can anyone tell me how long it took for your money to deposit? Including waiting for the micro transfers? I want to do this but don't want to be a day late! The micro-transfers to verify the source account take 2-4 business days (pay mind to upcoming banking holidays when starting the process). Bot...
by Mudpuppy
Sun Feb 11, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2519

Re: Getting Rid of Ants in the House?

All food in now in sealed containers in the pantry, and the counter-tops are clean and dry. The ants are tiny, maybe sugar ants? They originally appeared when my child left an open bag of doughnuts in the pantry. (That has long been tossed, and everything else is in sealed containers.) How tiny is ...
by Mudpuppy
Sun Feb 11, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: A bill from the doctor - how/should I contest?
Replies: 44
Views: 3813

Re: A bill from the doctor - how/should I contest?

No, but the lady that I spoke to today was the same lady that told me I was paid in full, and she admitted on the phone today that she remembers our conversation and that it was an error on her part. She said we technically were paid in full at the time but that this remaining balance was currently...
by Mudpuppy
Sat Feb 10, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Rid of Comcast Modem
Replies: 21
Views: 1761

Re: Getting Rid of Comcast Modem

Comcast is known for making it difficult to bring your own modem if you want to use their voice service. There are only a couple of compatible modems (already listed up-thread) and some people have had difficulty getting Comcast to register the modem to their account.
by Mudpuppy
Sat Feb 10, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: [US Budget deal Revives Expired Individual Tax Breaks for 2017]
Replies: 25
Views: 3179

Re: In a hurry to file, Senate drops stink bomb

... and then you have the security experts telling you that the best way to avoid Identity Theft on tax filing is by filing as early as you can. It doesn't really prevent things though. All that filing first does is prevent the fraudsters from eFiling under your SSN. They can still send in paper ta...
by Mudpuppy
Sat Feb 10, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: [US Budget deal Revives Expired Individual Tax Breaks for 2017]
Replies: 25
Views: 3179

Re: [US Budget deal Revives Expired Individual Tax Breaks for 2017]

This means a call on Monday to the servicer for my mortgage, as the 1098 form they sent had nothing in Box 5, even though I paid PMI in May 2017. Hopefully, they're already on the ball and planning to send out revised 1098 forms.
by Mudpuppy
Sat Feb 10, 2018 4:18 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 3005

Re: Black Theme for Site?

Everybody knows that text readability achieved perfection in 1989. http://www.vdevito.com/site/wp-content/uploads/2016/06/5x-dos-a559929a888425c7cd465e0ce76fc149-WordPerfect-5.1-Edit.png Let us not forget amber/yellow on black, green on black, and white on black displays for the late 1970s / 1980s ...
by Mudpuppy
Sat Feb 10, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 246
Views: 60855

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Did people really not get the Star Trek reference? Inconceivable! Is this a test to see how many get the Princess Bride reference? I agree with the comments about my BIL stealing and with the advice of the multiple lawyers I’ve spoken with who know the entire details of the case, they’ve advised me...
by Mudpuppy
Fri Feb 09, 2018 10:53 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 3005

Re: Black Theme for Site?

I avoid sites with white text on black background and would oppose this proposed change. I don't think the OP was ever advocating for a dark theme to be the ONLY theme, rather that it be a theme option. phpBB does have support for other themes, but it only provides prosilver with the base system. S...
by Mudpuppy
Fri Feb 09, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 246
Views: 60855

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Also I appreciate the concern for privacy with my star trek quote. I thought everyone would get that I was not really taking to someone named Jim and I’m not really a doctor. That’s what I get for trying to be funny. Perhaps if you had used quotes and attributed it to Bones, it might have survived....
by Mudpuppy
Thu Feb 08, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Specific Retirement Program
Replies: 4
Views: 423

Re: Employer Specific Retirement Program

You mention that your 457(b) is a government plan, so I assume this is a public-sector plan as well. That means you need to take into account the fiscal health of your municipality (city, state, etc). The unfunded portion is likely currently being covered by taxpayers in some way, but the smaller th...
by Mudpuppy
Wed Feb 07, 2018 2:12 am
Forum: Personal Consumer Issues
Topic: what to do with patent plaques and other work awards?
Replies: 45
Views: 2775

Re: what to do with patent plaques and other work awards?

I have one shelf on a work bookcase for all manner of display items, such as work awards. I've only got one plaque on the shelf though. My work has a tendency to go to either extreme with a paper certificate (low end) or an engraved acrylic disc (high end), but rarely do they award plaques. The cert...
by Mudpuppy
Tue Feb 06, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 7561

Re: Capital one 360 money market New $500 bonus

I see. I wasn't aware credit card account bonuses are handled differently. How does that work? I thought even forgiveness of debts like a credit card balance was taxable. Credit card sign-up bonuses are currently seen as discounts on money that was spent, which is why they are not currently taxable...
by Mudpuppy
Sun Feb 04, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: 457b or Taxable Acct? Unsure about options.
Replies: 16
Views: 769

Re: 457b or Taxable Acct? Unsure about options.

I'm ineligible to contribute to a Roth IRA because of my filing status. I must choose Married Filing Separately in order to be eligible for an "income driven repayment plan," so that I can qualify for the Public Service Loan Forgiveness. Of course, I could potentially attempt to pay back the $113,0...
by Mudpuppy
Sun Feb 04, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 457b or Taxable Acct? Unsure about options.
Replies: 16
Views: 769

Re: 457b or Taxable Acct? Unsure about options.

Thank you for the input! I now plan to start the 457, and research the benefits of maxing the 457 instead of the 403b. The ultimate goal will be to max out both, of course, but for now I think I just need to get more info. As for the fund options, I absolutely thought those fees would be a bit too ...
by Mudpuppy
Sat Feb 03, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Refund of Overpayment - How Long to Wait
Replies: 4
Views: 361

Re: Refund of Overpayment - How Long to Wait

I suspect demanding a down payment is against the contract they signed with the insurer. I believe they are only allowed to collect any co-pay at time of service, and that's it. That was my gut reaction from their call. My night spent Googling state law and going through my insurance coverage bookl...
by Mudpuppy
Sat Feb 03, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Refund of Overpayment - How Long to Wait
Replies: 4
Views: 361

Re: Refund of Overpayment - How Long to Wait

I should add that part of the reason I'm concerned about having to fight to receive the refund is there are online reviews for this doctor which states his office is very slow about issuing such refunds. I don't know if this is just bad office staff or poor records keeping on the part of the office ...
by Mudpuppy
Sat Feb 03, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Refund of Overpayment - How Long to Wait
Replies: 4
Views: 361

Refund of Overpayment - How Long to Wait

Back in November, I had an outpatient procedure where both the surgical center and the doctor required a down payment before the procedure. The EOBs were issued by the insurance in December. I had underpaid the surgical center, so I sent them the remaining balance. However, the down payment for the ...
by Mudpuppy
Sat Feb 03, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 2480

Re: Bank signup bonus 1099

If you create an account on the IRS website you can view all the 1099s that were reported to the IRS as well as other information.I always check this because mistakes are made .For 2016 tax year I caught a mistake where the same 1099 was sent twice. Keep in mind that the deadline for reporting to t...
by Mudpuppy
Sat Feb 03, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 2480

Re: Bank signup bonus 1099

Just be patient. You'll eventually get the 1099s. If you don't have them by 3/1, call the banks/brokers. I thought they were required to send them to you by Jan 31st Since the Post Office reorganized their mail sorting centers, it can as long as two calendar weeks for mail to arrive after being sen...
by Mudpuppy
Fri Feb 02, 2018 2:14 pm
Forum: Forum Issues and Administration
Topic: Posting Photo
Replies: 22
Views: 1719

Re: Posting Photo

I am trying to post a chart that I made showing my portfolio in a pie. I give up, you cannot import and image here to this archaic site. This is a forum, not an image hosting site. You have to first upload to an image hosting site that allows external references, then copy that link here. You can't...
by Mudpuppy
Thu Feb 01, 2018 2:38 am
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 7
Views: 734

Re: Help with Asset Allocation

One of the first things to do is separate net worth from investment accounts. While some aspects of your net worth may affect your need and willingness to take risk, the asset allocation (AA) typically refers to investment accounts. Your investment accounts would include your inherited account, your...