Search found 6678 matches

by Mudpuppy
Fri Apr 02, 2021 4:14 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270417

Re: Post your Financial Milestone Announcements Here

Tallied up our accounts for the monthly spreadsheet entry and our retirement accounts have now cracked $200,000! Took from July 2012 to get from first invested dollar to November 2019 to reach $100,000 invested. Then seventeen months to get from $100,000 to $200,000. Good job! The first 100k always...
by Mudpuppy
Thu Apr 01, 2021 2:34 am
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 221
Views: 15375

Re: 2021 Hedge Fund Contest

average return: -4.74% < VTI +3.73% Isn't that sort of the whole point of this contest though? Pointing out how absurd it is to expect the average hedge fund cherry-picking stocks to outperform a broad index fund? Yes, there are some winners, but, on average, the hedge funds are trailing the broad ...
by Mudpuppy
Wed Mar 31, 2021 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: When Credit Card Fraud Happens Stay on Top of It!
Replies: 52
Views: 4986

Re: When Credit Card Fraud Happens Stay on Top of It!

PSA: freeze/lock your debit cards if you can - getting your cash back from a drained debit card is brutally slow. I also maintain two checking accounts at local credit unions. Both accounts have a fairly low day-to-day balance, just enough to cover expected charges. I keep most of my everyday expen...
by Mudpuppy
Wed Mar 24, 2021 7:41 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 457
Views: 35692

Re: So what are you cooking

Thank you! Which brand of air fryer are you using? Also, any idea what's in Hawaii Blend Sprinkles? I googled it, but nothing came up. Sandtrap put a picture of the Hawaii spice bottle on the thread shortly after the post you quoted. It was for Aloha Spice Company's spice blend called "Aloha L...
by Mudpuppy
Tue Mar 23, 2021 7:21 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 32921

Re: [On-going Scams - Post them here]

I'm not sure how much pro-active cleaning up is needed now, on that computer. Hopefully some computer security gurus will help here. I know there was no real action taken by excel or any macros since I did not enable macros. Excel itself warned me not to mess with it. I knew I was getting close to ...
by Mudpuppy
Sun Mar 21, 2021 1:26 pm
Forum: Personal Consumer Issues
Topic: REAL ID still set to be effective Oct 1 2021
Replies: 109
Views: 7338

Re: REAL ID still set to be effective Oct 1 2021

Thanks Neil. However, my state was not ready until year 2019. California wasn't even ready pre-pandemic. They technically started issuing Real IDs in 2018, but I recall several news articles about inadequate verification in the early system. Basically, they had to re-verify everyone in mid-2019 bec...
by Mudpuppy
Sun Mar 21, 2021 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS; Amount Owed on IRS Site
Replies: 9
Views: 1592

Re: Letter from IRS; Amount Owed on IRS Site

I received the letter. It was an IDVerify letter and I had to follow the verification procedure online, which I did successfully. Then I received this message: Congratulations! You have successfully completed the Identity Verification process. We now have the necessary information to continue proce...
by Mudpuppy
Sat Mar 20, 2021 8:54 pm
Forum: Personal Consumer Issues
Topic: REAL ID still set to be effective Oct 1 2021
Replies: 109
Views: 7338

Re: REAL ID still set to be effective Oct 1 2021

There were lots of alternative IDs that one could have availed oneself of if one knew that obtain a state-issued RealID was not likely to be feasible. Those alternatives fall into several basic categories: have a passport, be an immigrant or naturalized citizen, be a member of an indigenous tribe, ...
by Mudpuppy
Sat Mar 20, 2021 8:07 pm
Forum: Personal Consumer Issues
Topic: Mat for Dog - Protecting New Hardwood Floors
Replies: 22
Views: 1464

Re: Mat for Dog - Protecting New Hardwood Floors

Thanks everyone! I think tile is probably not the solution for the PNW, it would avoid damaging the floors but would still require a mat. I love the paw slippers and the origami carpet, both are cool ideas, I'm just not sure if our dog would tolerate booties. I appreciate all of your help and I hav...
by Mudpuppy
Sat Mar 20, 2021 7:26 pm
Forum: Personal Consumer Issues
Topic: Citi External Accounts link broken?
Replies: 10
Views: 699

Re: Citi External Accounts link broken?

Thanks for the replies. I was originally using Chrome. Tried also with Edge to no avail. After fareastwarriors reply, I tried Firefox and got through fine. I then went back to Edge, cleared history and cookies, and got through fine as well. I've found Citi's websites are highly sensitive to the bro...
by Mudpuppy
Sat Mar 20, 2021 7:17 pm
Forum: Personal Consumer Issues
Topic: How to secure a PDF file?
Replies: 23
Views: 2252

Re: How to secure a PDF file?

As others have said, the simple document protection that Acrobat provides, such as only allowing people to edit certain fields, is pretty easy to bypass. I do it all the time when someone at work sends a draft PDF for review and proofing, but they forget to turn off that feature. It's easier than em...
by Mudpuppy
Sat Mar 20, 2021 7:01 pm
Forum: Personal Consumer Issues
Topic: Mat for Dog - Protecting New Hardwood Floors
Replies: 22
Views: 1464

Re: Mat for Dog - Protecting New Hardwood Floors

Do you have the option of having a tile "rug" done at the door? Basically an inset tile area with the wood installed around it. We've done that with 2 homes to keep carpet grime down. The areas at doorways were done as ceramic tile with a decorative tile border so that it looked like a ma...
by Mudpuppy
Sat Mar 20, 2021 6:56 pm
Forum: Personal Consumer Issues
Topic: REAL ID still set to be effective Oct 1 2021
Replies: 109
Views: 7338

Re: REAL ID still set to be effective Oct 1 2021

I was in the process of getting my passport last year when COVID shutdowns hit, and the passport fair at the local post office was cancelled. I have kept the certified copy of my birth certificate and the passport-compliant photos in a file folder for the past year. Now that we're getting to crunch...
by Mudpuppy
Sat Mar 20, 2021 6:48 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13841

Re: People with Covid-19 vaccination record cards: where are you keeping them?

I took a picture so that it's on my phone and then the physical card is stored with all my important documents: passport, birth certificate, and yes - my childhood vaccination record. My childhood vaccination record didn’t make it to adulthood with me. I think at this point, as a result, I’ve had t...
by Mudpuppy
Sat Mar 20, 2021 6:31 pm
Forum: Personal Consumer Issues
Topic: Mat for Dog - Protecting New Hardwood Floors
Replies: 22
Views: 1464

Re: Mat for Dog - Protecting New Hardwood Floors

Do you have the option of having a tile "rug" done at the door? Basically an inset tile area with the wood installed around it. We've done that with 2 homes to keep carpet grime down. The areas at doorways were done as ceramic tile with a decorative tile border so that it looked like a ma...
by Mudpuppy
Sat Mar 20, 2021 6:25 pm
Forum: Personal Consumer Issues
Topic: REAL ID still set to be effective Oct 1 2021
Replies: 109
Views: 7338

Re: REAL ID still set to be effective Oct 1 2021

I was in the process of getting my passport last year when COVID shutdowns hit, and the passport fair at the local post office was cancelled. I have kept the certified copy of my birth certificate and the passport-compliant photos in a file folder for the past year. Now that we're getting to crunch ...
by Mudpuppy
Sat Mar 20, 2021 6:18 pm
Forum: Forum Issues and Administration
Topic: FIRE sub forum
Replies: 37
Views: 3193

Re: FIRE sub forum

It might be difficult to come up with a clear set of criteria to determine which posts belong in the Personal Investments forum vs. a hypothetical FIRE forum. There are many portfolio review requests in the Personal Investments forum from posters who also happen to want to retire earlier than age 6...
by Mudpuppy
Sat Mar 20, 2021 12:47 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 32921

Re: [On-going Scams - Post them here]

Mark Rober just posted a video on the refund scam, with details on the scam and his efforts to help law enforcement catch the scammers, as the latest installment of his glitter bomb series: https://www.youtube.com/watch?v=VrKW58MS12g
by Mudpuppy
Tue Mar 16, 2021 2:01 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 32921

Re: [On-going Scams - Post them here]

Have been getting calls from "Card Services" constantly, last few days - unfortunately it is my internal work phone. I can look up the # in the company directory but annoying nonetheless. Interestingly, if you dial back the number, it belongs to Chase Bank. I don't have a Chase relationsh...
by Mudpuppy
Mon Mar 15, 2021 12:04 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 32921

Re: [On-going Scams - Post them here]

Be on the lookout for scam texts on your cellphone. Relatedly, I've set my cell phone to NOT automatically download MMS, so it doesn't automatically show pictures, videos, or the like sent through text. Instead, I have to click on an icon to download and display the MMS, which I do when my family o...
by Mudpuppy
Mon Mar 15, 2021 1:17 am
Forum: Personal Consumer Issues
Topic: Time to ditch Tivo?
Replies: 49
Views: 4405

Re: Time to ditch Tivo?

Finding a good quality fan is the bane of my existence with my Tivo. I literally have three fans sitting in a pile that I tried and they were noisy out of the box that I keep thinking I can use in another project where noise isn't as important, but I probably should just toss. Not sure if this help...
by Mudpuppy
Sat Mar 13, 2021 5:34 pm
Forum: Personal Consumer Issues
Topic: Time to ditch Tivo?
Replies: 49
Views: 4405

Re: Time to ditch Tivo?

Since I stared with a Tivo OTA model, my experience is likely very different than your experience. Like some others, I use it to record the OTA shows I'm still watching (with OnePass usually). It also integrates into Amazon Prime video, which is my primary video streaming service. So it works well e...
by Mudpuppy
Sat Mar 13, 2021 5:20 pm
Forum: US Chapters
Topic: Where did HEDGEFUNDIE go?
Replies: 108
Views: 12545

Re: Where did HEDGEFUNDIE go?

I also miss him--he pushed my thinking on things. Several months ago I tried PM'ing him, but he doesn't seem to be monitoring those either. I do wish there was a forum for "frugal bogleheads who like a spicier life than 3-fund". I would join in a heartbeat. Having been a poster who has ta...
by Mudpuppy
Sat Mar 13, 2021 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33358

Re: H&R Block 2020 software offer

UPDATE: To answer the question I posted here in November, yes, HR Block Deluxe 2021 download version works flawlessly with Windows 7. I just filed my taxes with it and had them accepted by the IRS. There is a Schedule C and lots of investing buys and sells it inhaled from Vanguard. 1099s etc. Every...
by Mudpuppy
Sat Mar 13, 2021 3:35 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270417

Re: Post your Financial Milestone Announcements Here

Look, I'm no genius.I made all kinds of rookie mistakes as a 20-something techie during the dot com boom/bust. At least I was young enough to recover and didn't go bankrupt, etc. I made many other dumb moves along the way, but it's funny how sometimes things work out. Like the house was bought in-b...
by Mudpuppy
Sat Mar 13, 2021 3:21 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 327
Views: 47276

Re: Why not add a "like" button to Boglehead posts?

What I'd really like to see is an upvote system for funniest posts or funniest replies... or we nominate posts for how hard we laughed and there's some central place that links to all of them :) I don't particularly associate a financial forum with comedy, but if you're really wanting to do this, y...
by Mudpuppy
Sat Mar 13, 2021 3:09 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5165

Re: Mail to IRS--Certified

Any reason folks don't e-file? I have not mailed in a tax return in well over a decade. But after reading this thread, if I have to mail in a return, I am definitely doing some form of certified mail and storing a color scan of the proof in the cloud. I usually e-file. When I made a data entry erro...
by Mudpuppy
Sat Mar 13, 2021 2:41 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270417

Re: Post your Financial Milestone Announcements Here

Bittersweet milestone. Realized today I have enough savings to pay off the rest of my government student loans ($30,000), all the while keeping an adequate emergency fund. But, due to politics, I'm not sure if now is the right time. They are federal graduate loans (Stafford and Grad Plus). As there...
by Mudpuppy
Fri Mar 12, 2021 8:52 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5165

Re: Mail to IRS--Certified

I keep getting told I can't send certified mail to the IRS. All the IRS addresses I have are post office boxes and USPS tells me unless someone is available to sign, I cannot send certified to a post office box. I tried sending certified after IRS claimed my tax forms were sent late (they weren't.....
by Mudpuppy
Wed Mar 10, 2021 11:53 pm
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 11671

Re: USPS is incredibly fast!

Here's my record for the last 2-3 months: - 1 letter lost (this was an ebay sale, so I ate the loss) - 2 other letters took over 3 wks to travel a few states over - 2 letters returned with yellow sticker saying no such address (they were valid) - brokerage informed me a 1099 was returned and that I...
by Mudpuppy
Wed Mar 10, 2021 1:36 pm
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 11671

Re: USPS is incredibly fast!

Since my 1099 appeared in the Informed Delivery email wasn't it already sorted? It came almost a month after that.... All that means is that it was sorted at a level that had the scanners for Informed Delivery. That doesn't mean it was scanned for Informed Delivery at the final sorting level. It co...
by Mudpuppy
Wed Mar 10, 2021 1:25 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 32921

Re: [On-going Scams - Post them here]

Turns out this was NOT a scam, but I got a call from " Tracy at (state) dept of blah blah blah, may I speak to boglegirl?" me: "This is boglegirl" "What is your date of birth and social security number?" me: "WHAT? No, who are you again?" " I'm with the ...
by Mudpuppy
Tue Mar 09, 2021 7:49 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 32921

Re: [On-going Scams - Post them here]

Local utility scam: DW got a robo call indicating that PG&E (our local utility provider) bill has not being paid and power will be cut off in 30 minute. A 800 # was provided for further discussion. I can see how some may fall for this. There are also what I like to refer to as "legal busin...
by Mudpuppy
Mon Mar 08, 2021 9:04 pm
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 11671

Re: USPS is incredibly fast!

My 1099 finally came. It was almost a month after it showed up in Informed Delivery. There is no postmark so I don't know when TDA sent it. I guess better late than never. What is confounding is the process that seems to shuffle some mail to the bottom and other things come quickly. If they are beh...
by Mudpuppy
Mon Mar 08, 2021 1:48 am
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 221
Views: 15375

Re: 2021 Hedge Fund Contest

It was a tough week as bond market and inflation concerns weighed on the broader equity markets, and the tech and smaller cap sectors sold off in particular. You know, I'm just pleasantly surprised that stocks which were chosen to spell out a phrase are performing around the same as the VTI benchma...
by Mudpuppy
Mon Mar 08, 2021 1:40 am
Forum: Personal Consumer Issues
Topic: Leather vs Cloth Car Seats
Replies: 71
Views: 5353

Re: Leather vs Cloth Car Seats

Happy having cloth seats here in Vegas! I was waiting for a comment like this.... I know you can get cooled synthetic leather seats these days that do not burn you after they've been sitting in the hot sun. However, having grown up in an area with summers similar to Vegas, the thought of anything o...
by Mudpuppy
Sun Mar 07, 2021 11:03 pm
Forum: Personal Consumer Issues
Topic: Kernel Panic (Mac/Safari)
Replies: 34
Views: 1546

Re: Kernel Panic (Mac/Safari)

I am a simple tech person. I see page fault, I think bad RAM and run a memory test. Has a memory test been run?
by Mudpuppy
Sun Mar 07, 2021 10:51 pm
Forum: Personal Consumer Issues
Topic: How many use 2 Factor Authentication? If so what do you use?
Replies: 15
Views: 1266

Re: How many use 2 Factor Authentication? If so what do you use?

When it comes to 2FA, you are limited by what the provider supports. Not all 2FA is created equal, but you also have to have a measure of acceptance that not all sites use the best 2FA, if they use 2FA at all. So any given site might not offer the most ideal 2FA solution, but as the old saying goes,...
by Mudpuppy
Sun Mar 07, 2021 9:57 pm
Forum: Personal Consumer Issues
Topic: Reactions to Microsoft hack?
Replies: 14
Views: 1739

Re: Reactions to Microsoft hack?

This was a state-sponsored hacking group backed by China who found zero-day vulnerabilities in Exchange Server and Outlook Web Access (OWA). Their activity was noticed by a security company in January, who notified Microsoft and began a coordinated disclosure process that resulted in Tuesday's annou...
by Mudpuppy
Sun Mar 07, 2021 9:32 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 32921

Re: Another telephone SCAM

... credit card dispute ... You just have to hit the right key words to get past the bots and to the people. And I bet "credit card dispute" is the magic key! I have recently used that with a real live person. My words were along the lines of "Will you handle that or would it help if...
by Mudpuppy
Sun Mar 07, 2021 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968163

Re: What's Your Credit Card Rewards Strategy?

I don't knock anyone who uses credit cards, and I know that most people do. I am just happier without them. Out of curiosity, do you know anyone who has gotten wealthy through getting rewards from a credit card? Wealthy? No. But the credit card rewards and signup bonuses did pay for my air fare, ho...
by Mudpuppy
Sun Mar 07, 2021 7:12 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 32921

Re: Another telephone SCAM

Go to some company's web page looking for help and it has a "chat now" link. Click on it and it is nothing more than an automated way to do a search of their FAQ. Of course it has a name (perhaps even Jason or Audrey!) and a picture of someone quite pleasant looking. The girls (customer s...
by Mudpuppy
Sun Mar 07, 2021 5:38 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270417

Re: Post your Financial Milestone Announcements Here

I was chatting with a co-worker in Zoom the other day, waiting for a meeting to start, when I realized I've reached a small, but important milestone. The co-worker was complaining about how another appliance had broken, and she's having difficulty working around it being broken. She was trying to fi...
by Mudpuppy
Fri Mar 05, 2021 1:24 pm
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 142
Views: 18678

Re: 2021 I Bonds: what's your plan?

VAslim16 wrote: Fri Mar 05, 2021 4:24 am Bumping. Does JPs talk Thursday change any minds?
Could you provide a link to the talk, or an article about the talk?
by Mudpuppy
Tue Mar 02, 2021 1:51 am
Forum: Personal Finance (Not Investing)
Topic: When Credit Card Fraud Happens Stay on Top of It!
Replies: 52
Views: 4986

Re: When Credit Card Fraud Happens Stay on Top of It!

News out of Chicago has been about the arrest of a few US postal employees involved in credit card theft. I wish card companies would implement something like a white list of vendors which you may order online, or some 2FA before authorizing online charges. There used to be something like this from...
by Mudpuppy
Mon Mar 01, 2021 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: When Credit Card Fraud Happens Stay on Top of It!
Replies: 52
Views: 4986

Re: When Credit Card Fraud Happens Stay on Top of It!

I suspect the initial designs of this technology were more susceptible because I know one of my Amex cards had this tech in the early 2000s and this only became widely popular in the US after 2010. If I had to guess, the older ones used RFID and the newer ones use NFC, which would account for the d...
by Mudpuppy
Mon Mar 01, 2021 5:26 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 4677

Re: Do I need new tires?

The recommendations will extend to suspension components, and those can be just as critical to safety as brakes and tires. So realistically the "few dollars" is often many thousands of dollars in total, assuming retail prices without any d-i-y. It gets you to the point where now it's poss...
by Mudpuppy
Mon Mar 01, 2021 2:14 am
Forum: Personal Finance (Not Investing)
Topic: When Credit Card Fraud Happens Stay on Top of It!
Replies: 52
Views: 4986

Re: When Credit Card Fraud Happens Stay on Top of It!

There's a good chance that one of those orders made was delivered to the thief's house. So it's not like it is impossible to catch people who commit credit card fraud. It's that no one will bother over a few thousand dollars. That's how detectives figured out where my credit card number was stolen,...
by Mudpuppy
Sun Feb 28, 2021 10:47 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 4677

Re: Do I need new tires?

A few days ago I went for a 50,000 mile service, on my 2016 Toyota Corolla le. The service guy at the dealership said 50,000 miles, is time for new tires. I had been thinking of waiting to 60,000. Tire depth is 4/32. Should I wait? Or dump my coffee and rush to get tires? Are these tires original t...
by Mudpuppy
Sun Feb 28, 2021 9:15 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 4677

Re: Do I need new tires?

A few days ago I went for a 50,000 mile service, on my 2016 Toyota Corolla le. The service guy at the dealership said 50,000 miles, is time for new tires. I had been thinking of waiting to 60,000. Tire depth is 4/32. Should I wait? Or dump my coffee and rush to get tires? Are these tires original t...