Search found 62 matches

by brcarls
Tue Aug 18, 2020 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity card fraud
Replies: 36
Views: 4067

Re: Fidelity card fraud

I recently had a fraudulent charge on my Fidelity card. What blew my mind is that they called me to ask if the fraudulent charge was legit and wanted me to confirm my identity with last 4 of social and other info... I said " You called me! I'm not giving you that info". I hung up and calle...
by brcarls
Mon Jul 06, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card vs Debit Card
Replies: 53
Views: 2656

Re: Credit Card vs Debit Card

Instead, open a separate checking account and keep just enough money in it to cover your debit card purchases. When it runs low, you can replenish it. At a different institution... If it is at the same bank, The bank will just clean out your main account to pay a fraudulent charge on your "deb...
by brcarls
Fri Jun 19, 2020 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Signature strip on credit card
Replies: 73
Views: 5706

Re: Signature strip on credit card

You "SEE ID" folks haven't thought it through. That makes it easier for someone to use your card if a clerk actually checks the signature block.... All they need is a fake ID which is trivial to obtain, or at least is trivial for high school kids. If the clerk wants a signature on the rece...
by brcarls
Mon May 18, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How to convince amazon.com - Spending is difficult and confusing to track
Replies: 18
Views: 2536

Re: How to convince amazon.com - Spending is difficult and confusing to track

It annoyed me to no end when they stopped sending confirmation emails with any useful information. I used to keep an archive of order confirmations (from all vendors) so that if I need to re-order something I could look up what I bought in the past. I understand that their marketing weasels want to ...
by brcarls
Mon May 18, 2020 9:27 am
Forum: Personal Investments
Topic: Do you Max for 401k then go for mega backdoor or both concurrently?
Replies: 14
Views: 1071

Re: Do you Max for 401k then go for mega backdoor or both concurrently?

I max my after-tax first in case I change jobs. My next job might not allow mega-backdoor Roth. The math is a little fuzzy since a raise affects the company match, so I leave a little headroom to account for that so that I don't accidentally encroach on the $19,500 for the tax-advantaged 401k. I top...
by brcarls
Sun May 17, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6957

Re: Alternatives to Craftsman Tools

As others have chimed in, Snap-On and MAC tools are still great.... but, you'll pay a price premium for it and they're more for people whose income relies on turning a wrench.... not consumers. Please see my post above as to why your perception that stuff has gone downhill. Also keep in mine that w...
by brcarls
Mon May 04, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Toilet lid suddenly popped up?
Replies: 30
Views: 3716

Re: Toilet lid suddenly popped up?

Is this appropriate for a handy man to do, or should I definitely use a plumber? You certainly don't need a plumber. No special tools or skills are required. Anyone who can read and follow the basic instructions on a toilet repair kit can completely replace the valve and flapper in about 10 minutes...
by brcarls
Sat May 02, 2020 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36552

Re: Car Dealers not really wanting to make a deal

Yikes! That site makes my skin crawl... same feeling as seeing an Edward Jones type huckster pitching his services to the financially illiterate.
by brcarls
Fri Apr 24, 2020 9:40 am
Forum: Personal Investments
Topic: Backdoor Roth vs Real Thing
Replies: 8
Views: 653

Re: Backdoor Roth vs Real Thing

You should research the backdoor Roth and start using it if you don't have a traditional IRA (or roll your traditional IRA into your 401k to clear the way) You should also look into a Donor Advised Fund. It may make sense for you to itemize some years when you pump up the DAF and take the standard d...
by brcarls
Mon Apr 20, 2020 2:50 pm
Forum: Investing - Theory, News & General
Topic: How to "invest" in oil?
Replies: 85
Views: 6799

Re: How to "invest" in oil?

Wow! You'd think at those (negative) prices, some of the oil producers would "buy" the futures contracts themselves and turn off the faucet. I bet a lot of oil leases stipulate that they lose the lease if they don't produce oil. So they can't just turn off the faucet without losing their ...
by brcarls
Sun Apr 19, 2020 11:31 am
Forum: Investing - Theory, News & General
Topic: How to "invest" in oil?
Replies: 85
Views: 6799

Re: How to "invest" in oil?

dying energy source. Not in my lifetime... fossil fuels will be the dominant energy source on the planet for generations to come. Maybe you can say it is dying when competing energy sources are economically viable without government subsidies, but right now, the only alternative on any meaningful s...
by brcarls
Mon Apr 13, 2020 7:23 pm
Forum: Investing - Theory, News & General
Topic: What in the world is propping up this market?
Replies: 214
Views: 22277

Re: What in the world is propping up this market?

Remember all those market timers who went to all cash in 2016? They finally got the dip they have been waiting on and are flooding back in so they don't get left behind again and are swearing off market timing for good this time. :oops:
by brcarls
Sun Apr 05, 2020 5:23 pm
Forum: Personal Investments
Topic: 100% cash in this unprecidented time?
Replies: 57
Views: 7012

Re: 100% cash in this unprecidented time?

Van wrote: Sun Apr 05, 2020 4:55 pm Have enough in investments to more than last for 20 years.
With the federal government throwing stimulus money from helicopters on an unprecedented scale, is there risk that "20 years" of cash turns out to be much, much less due to inflation?
by brcarls
Thu Apr 02, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 101
Views: 9348

Re: Online / Gun Dealer Recommendations

Agreed, Massad is great. But as an (outright) state champion, and one who's beaten Miculek (will never tire of that brag!, with a revolver even!) actual practice is an absolute necessity; competency is life-imperative. Small world, guessing you shoot the Overlord and Cardinal Cups (among others). I...
by brcarls
Thu Mar 12, 2020 6:14 pm
Forum: Personal Investments
Topic: Mega backdoor roth contribution basis
Replies: 1
Views: 106

Mega backdoor roth contribution basis

Part of my FIRE strategy is to live on Roth contributions while building a Roth ladder from my 401k/IRA. How are mega backdoor roth After-tax contributions treated as far as when I can withdraw the funds without penalty? If there is a pre-conversion loss and I later convert my after tax contribution...
by brcarls
Thu Mar 12, 2020 6:07 pm
Forum: Investing - Theory, News & General
Topic: Reality Check - Don't assume prices will go up
Replies: 44
Views: 4159

Re: Reality Check - Don't assume prices will go up

Everything is priced exactly what it is worth in that point in time. That is not true at all unless you are using "worth" as a short term tautology that things are worth what people are willing to pay. If we think of "worth" as the underlying value and fundamentals, then, in the...
by brcarls
Sun Feb 23, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance/Budgeting Software
Replies: 33
Views: 2683

Re: Personal Finance/Budgeting Software

I haven't tried any "personal finance" software for a few years, but in the past every time I tried MS Money, Mint, etc I was frustrated because it didn't do what I wanted (or I couldn't figure out how to get it to do what I wanted). The big thing missing was a forecast... They were all gr...
by brcarls
Sat Feb 15, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28537

Re: Protection Against Home Intruders

I don't care for traditional security systems, which usually require a door or window to be opened to activate (while you're home at least); I installed door and window sensors which detect an opening but also have shock sensors. The shock sensor will set off the alarm if someone kicks the door but...
by brcarls
Sat Feb 15, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28537

Re: Protection Against Home Intruders

There are various bars that mount to the floor and other things on the inside but they are only useful when you are home, not when you leave. Easiest thing to do is to replace the short screws in the strike plates where the lockset bolts of the latches enter the door frame. Long security screws are...
by brcarls
Sat Feb 15, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28537

Re: Protection Against Home Intruders

Prudence wrote: Fri Feb 14, 2020 9:30 am Regarding ADT,
FWIW, I consider ADT to be the Edward Jones of home security. They have their place, but their business is built on charging enormous recurring fees for things that should be cheap or free if someone puts a tiny bit of effort into understanding the basics.
by brcarls
Sat Feb 15, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28537

Re: Protection Against Home Intruders

I don't care for traditional security systems, which usually require a door or window to be opened to activate (while you're home at least); I installed door and window sensors which detect an opening but also have shock sensors. The shock sensor will set off the alarm if someone kicks the door but...
by brcarls
Wed Feb 12, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28537

Re: Protection Against Home Intruders

As for a weapon, I'd choose a 12 gauge over a pistol. buck shot has much less propensity to go through walls. If that is a primary concern, you should use birdshot, not buckshot. https://www.theboxotruth.com/the-box-o-truth-14-rifles-shotguns-and-walls/ Controversial opinion which is separate from ...
by brcarls
Wed Feb 12, 2020 9:08 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28537

Re: Protection Against Home Intruders

batpot wrote: Tue Feb 11, 2020 3:48 pm As for a weapon, I'd choose a 12 gauge over a pistol. buck shot has much less propensity to go through walls.
If that is a primary concern, you should use birdshot, not buckshot.

https://www.theboxotruth.com/the-box-o- ... and-walls/
by brcarls
Sat Jan 25, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Google Voice number- no privacy with personal info??
Replies: 26
Views: 2190

Re: Google Voice number- no privacy with personal info??

What sites had this info? I have used the same google voice number as my main phone number since 2007 (when it was GrandCentral before being acquired by Google) and when I search my number, I can find no info linking my identity to my google voice number. If you have never associated your identity w...
by brcarls
Sat Jan 25, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: HSA receipts
Replies: 64
Views: 3942

Re: HSA receipts

I just take a pic on my phone and email to my gmail, where there's a folder/category for MedicalExpenses. Never fades, never gets lost, auto sorted by date. "Never gets lost" isn't true. You could wake up tomorrow and your gmail account is locked or just gone. They say you violated their ...
by brcarls
Fri Jan 03, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View recent improvements
Replies: 37
Views: 5692

Re: Fidelity Full View recent improvements

As for income, Full View treats most transfers from an external account into another account as income. I don't want that to happen (it's not income). You have to invest a few seconds in letting Full View know which are income and which are transfers. You can even check a box to set a rule for all ...
by brcarls
Wed Dec 11, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: What to do with old sheets and linens?
Replies: 37
Views: 2927

Re: What to do with old sheets and linens?

DJN wrote: Wed Dec 11, 2019 1:00 am Hi,
don't house painters love this stuff?
No. Paint can go right through sheets, particularly threadbare sheets.
by brcarls
Wed Dec 11, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 353
Views: 98646

Re: Found hidden safe, should we crack?

Funny how sheltered this forum is from internet culture... Safe threads are so common and get so many people wound up that starting one and not following through in a timely manner will earn you a ban on many forums. It is basically considered to be trolling :oops:
by brcarls
Wed Dec 11, 2019 1:25 pm
Forum: Personal Investments
Topic: After-tax 401k Strategy
Replies: 14
Views: 1595

Re: After-tax 401k Strategy

Roth IRAs allow contributions to be withdrawn at any time without penalty. If a Roth 401k is rolled over into a Roth IRA, will the contributions be accounted for separately such that I know how much I'll be able to withdraw (assuming I want to)? Once in a Roth IRA, the Roth IRA rules apply to all o...
by brcarls
Tue Nov 26, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 353
Views: 98646

Re: Found hidden safe, should we crack?

My house came with a very large, very rusty, very old safe in the garage that has been locked since before the PO bought the house. It’s maybe 40 inches square and is on iron wheels - probably 500lbs. I’ve lived with it for a year. Might roll it to the curb to free up space someday. I think it’s do...
by brcarls
Mon Oct 14, 2019 7:34 am
Forum: Personal Investments
Topic: Transferring American Funds to Vanguard
Replies: 24
Views: 1331

Re: Transferring American Funds to Vanguard

Vanguard probably won't, but some of the discount brokers will pay the account termination fees for you. This could be more than transfer bonuses.
by brcarls
Thu Oct 10, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Etiquette - [Tree] Leaves that aren’t yours
Replies: 11
Views: 1467

Re: Etiquette - Leaves that aren’t yours

They are your leaves. Deal with it.
by brcarls
Sun Sep 29, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 3351

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

I am in the middle of a kitchen remodel. All of my cards (including Fidelity) exclude anything installed in real estate which is "hard wired or hard plumbed", so basically no coverage on appliances. I guess that depends on your choices, for us that would exclude only the dishwasher. Cover...
by brcarls
Sun Sep 29, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 3351

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

Warranty extension isn't something we've had to use often, but it has come in handy on a cell phone a few years ago, we don't have short-term plans to get appliances but always nice to have. Check the fine print. I have never found a warranty extension benefit that actually covered the products I w...
by brcarls
Sat Sep 14, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 7358

Re: Vanguard is Falling Behind Compared to Fidelity

Funny you should mention this. My company 401k is through Fidelity Netbenefits and their phone app for Android is hot garbage. It's ugly, the navigation is clunky, and most of the links take you to the website rather than providing mobile content. Vanguard has none of these problems and while their...
by brcarls
Fri Aug 30, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 7613

Re: Purchasing a truck - thoughts?

Unsure of solar panel and roof mounting durability in hurricane force winds, or impact on homeowners/hurricane insurance. For everything you cite, in conjunction with my concerns, a plug-in hybrid would be far better than a pure EV. Some people use the hybrid with an inverter as a poor mans generat...
by brcarls
Wed Aug 28, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 7613

Re: Purchasing a truck - thoughts?

Toyota hasn't innovated or done much with the Tundra. It's a dog compared to the competition in the full size category. I was in the market for a 1/2 ton truck in 2013 and the Tundra was way behind performance-wise at that time... And they are even further behind now. I guess they have no need to i...
by brcarls
Tue Jul 30, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 3012

Re: What is the official bogleheads home fire extinguisher?

BusterMcTaco wrote: Mon Jul 29, 2019 6:17 pm I have one in my bedroom, in my kitchen, and in my garage.
And in my boat, truck and lawnmower!

My parents always gave fire extinguishers as wedding presents and I have adopted that tradition.
by brcarls
Tue Jul 16, 2019 10:35 am
Forum: Personal Investments
Topic: Need Advice for Low Cost Investment in TD Ameritrade for HSA Money
Replies: 15
Views: 1502

Re: Need Advice for Low Cost Investment in TD Ameritrade for HSA Money

I just set up my HSA at HSA Bank to sweep my contribution to TD Ameritrade every pay period.

Is there any way to automatically invest this in a total-ish market index fund with no fees, or will I have to periodically do a manual buy of the SPTM ETF?
by brcarls
Tue Jun 11, 2019 7:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying Beyond Meat stock?
Replies: 35
Views: 3383

Re: Anyone buying Beyond Meat stock?

columbia wrote: Tue Jun 11, 2019 4:41 pm it’s definitely healthier for cows. ;)
Not really healthy for the species or population as a whole... If humans stopped eating meat, most breeds of cattle would quickly head towards extinction. :oops:
by brcarls
Fri Apr 05, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 7777

Re: FIDO Zero Funds losing to Vanguard?

The most important thing that one can learn from this discussion is which of the following is correct :P (I have provided some clues). For all intensive purposes... :( For all intents and purposes... :happy Both are wrong. I take it for granite that they meant to say "for all intensive porpois...
by brcarls
Sat Mar 23, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2886

Re: DirecTv Now changes

What channels do you actually watch? People adapt to change very quickly. If you switch to a different service with a new channel lineup, your family will very quickly find new favorite channels and shows... And then if you were to want to switch you would rule out DirecTV Now because they don't ha...
by brcarls
Mon Feb 25, 2019 8:46 pm
Forum: Personal Investments
Topic: Mega Backdoor with 6 Month Contribution Suspension
Replies: 6
Views: 671

Re: Mega Backdoor with 6 Month Contribution Suspension

Have you confirmed the details by reading the plan document? I ask because the administrator of my 401k as well as corporate HR was telling people that there was a 3 month suspension of all 401k contributions after an in-service rollover... I read the plan document and that was not true. It was a 3 ...
by brcarls
Sat Feb 16, 2019 8:30 am
Forum: Personal Investments
Topic: Withdrawing contributions from Roth 401k after rollover to Roth IRA
Replies: 5
Views: 588

Re: Withdrawing contributions from Roth 401k after rollover to Roth IRA

If you have done in plan Roth rollovers to your Roth 401k in addition, then you must also track the amount and year of those rollovers like you would a Roth IRA conversion. You just need an organized way to track your Roth IRA amounts, as you will need that info in order to know the tax impact of a...
by brcarls
Fri Feb 15, 2019 6:25 pm
Forum: Personal Investments
Topic: Withdrawing contributions from Roth 401k after rollover to Roth IRA
Replies: 5
Views: 588

Re: Withdrawing contributions from Roth 401k after rollover to Roth IRA

Yes. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distributions That is a great page, thank you! I knew about the 72(t) series of substantially equal payments but don't want to be locked in like that if circumstances change. Your other answers mean I...
by brcarls
Fri Feb 15, 2019 2:30 pm
Forum: Personal Investments
Topic: Withdrawing contributions from Roth 401k after rollover to Roth IRA
Replies: 5
Views: 588

Withdrawing contributions from Roth 401k after rollover to Roth IRA

I have researched this and am still uncertain. I am 45. I have a Roth IRA which I contributed to more than 5 years ago. I have a Roth 401k, all contributions were more than 5 years ago. (huge gains in this) If I were to FIRE now, could I rollover my Roth 401k to my Roth IRA and begin withdrawing my ...
by brcarls
Fri Jan 25, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?
Replies: 48
Views: 4075

Re: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?

Nowizard wrote: Fri Jan 25, 2019 9:31 am Cans put in vehicle only when transporting, not filling. Plastic cans are recommended here, and I have never heard of them being potentially more dangerous than metallic ones (Though I'm not disputing your statement).

Tim
Who recommends plastic?
by brcarls
Thu Jan 24, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?
Replies: 48
Views: 4075

Re: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?

Use real Jerry cans as sold by Atlantic British and you will have zero spills or smells. (won't help with the gas powered equipment itself though)
by brcarls
Tue Jan 15, 2019 4:56 pm
Forum: Personal Investments
Topic: Should I Contribute to After Tax 401k?
Replies: 11
Views: 1361

Re: Should I Contribute to After Tax 401k?

Once I do the in-service withdrawal, I cannot contribute to any 401k accounts for 90 days. I would also miss out on the employer match for those 90 days. My 401k is administered by Fidelity and when I called in to do my in-service roll-over this year, the customer service rep told me the same thing...
by brcarls
Wed Oct 17, 2018 1:56 pm
Forum: Personal Investments
Topic: rollover or transfer from Fidelity 401k?
Replies: 14
Views: 1408

Re: rollover or transfer from Fidelity 401k?

If you roll over to a traditional IRA, it makes backdoor Roth conversions painful.

Also, you should read up on the pros and cons of 401k vs IRA. 401k accounts have some advantages such as sometimes more protection if you are sued.