Search found 585 matches

by brad.clarkston
Sun Dec 10, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 9
Views: 631

Re: Build credit or pay in full

Pay it off.

Credit is not your friend in any case. If your score is 730+ go ahead and get one decent high end CC and then a cash back card for gas but you really don't need anything else as cash is always king.
by brad.clarkston
Sun Dec 10, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6373

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

I disagree. What you are doing has nothing to do with any kind of engineering. If it did you would be paid more and it would likely require an engineering degree. What you are doing sounds more like Helpdesk/data center ops/IT Ops/etc. Anything operations oriented is going to be low skill and low p...
by brad.clarkston
Fri Dec 08, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Acts of war term insurance?
Replies: 17
Views: 1589

Re: Acts of war term insurance?

iflyjetzzz wrote:
Fri Dec 08, 2017 9:27 am
Hmm. Let me guess. You have zero time in the military and think that combat zone/war exclusions for life insurance are unusual. They're not. I know this because I shopped for life insurance as a military pilot.
+1 this. ex-Army that bought extra coverage before going to the Middle East.
by brad.clarkston
Fri Dec 08, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6373

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

What he is doing is not 'hardware engineering'. What he is doing is IT support, which is on the blue collar spectrum, hence the compensation. Hardware engineering is what people at Intel or AMD or other hardware companies do. For the OP: Look at the different categories/classes of IT work and consi...
by brad.clarkston
Thu Dec 07, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1896

Re: Fuel Additives for 2017 Toyota Camry

Check your owner's manual. If such additives are required, it will tell you that. Many years ago, I had a dealer add an oil additive without asking permission. I became aware of it when it appeared on my bill. My owner's manual said such additives "were neither needed nor recommended". I complained...
by brad.clarkston
Thu Dec 07, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Acts of war term insurance?
Replies: 17
Views: 1589

Re: Acts of war term insurance?

Hi all, my husband and I are interested in increasing our life insurance. He is active duty and I'm a SAHM with 1 kid and 1 on the way. I've seen others recommend term4sale, but wanted to know how you find out which ones will cover deployment/acts of war for him specifically. We had a problem getti...
by brad.clarkston
Thu Dec 07, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Acts of war term insurance?
Replies: 17
Views: 1589

Re: Acts of war term insurance?

itstoomuch wrote:
Thu Dec 07, 2017 4:58 pm
See plans that don't have this exclusion.
That doesn't make any since even on the third reading.
by brad.clarkston
Thu Dec 07, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6601

Re: Bitcoin now the largest quantifiable bubble in history?

That something appreciates quickly does not classify it as 'a bubble'. Bitcoin is a bubble if its rational value is much less than its market value. So, is it? There would have to be a "market value" for it first. It's just a high value trinket. The problem isn't with a traditional bubble it's with...
by brad.clarkston
Thu Dec 07, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody use Personal Capital to advise them?
Replies: 10
Views: 958

Re: Anybody use Personal Capital to advise them?

Ditto to rest, listened to the pitch but didn't bite.
Love the free stuff tho can't recommend them enough.
by brad.clarkston
Thu Dec 07, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6373

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

No development skills. Most of my skills are Microsoft/Hardware/Network/Various Software Support. Perhaps this has held me back a bit. Advanced degree's and certs are not as important at the engineering level just because it's damn expensive and company needs change every 3 years as different tools...
by brad.clarkston
Thu Dec 07, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6373

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

No, nepotism has been virtually eliminated from the federal civil service system by usajobs.gov. But there is an art to getting a federal government job. It's all about using the proper buzzwords in your application in order to get through the initial screening process. There are websites devoted t...
by brad.clarkston
Thu Dec 07, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 1557

Re: Okay come clean....How man people share passwords for streaming services?

The Wizard wrote:
Thu Dec 07, 2017 12:18 pm
This MIGHT be an illegal activity.
If so, it's inappropriate for this forum...
Citation needed instead of just throwing vague one liners on a thread you don't like.

And no the U.S. 9th Circuit Court of Appeals did not rule steaming password sharing violates CFAA.
by brad.clarkston
Thu Dec 07, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 1557

Re: Okay come clean....How man people share passwords for streaming services?

I don't to that degree but I will be sharing with my son who will be going to college next year (Netflix, Hulu, Prime).

If it makes you feel better Netflix actively promotes sharing as they know sooner or later that will lead to a new subscription.
by brad.clarkston
Thu Dec 07, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6373

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

No development skills. Most of my skills are Microsoft/Hardware/Network/Various Software Support. Perhaps this has held me back a bit. Hah, no that's not it. Dev's always think they are the bee's-nee's but in reality they make a bit more because the position is far more volatile and heavily outsour...
by brad.clarkston
Thu Dec 07, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6373

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

As a 46 year old with 28 years in IT, making about double what you do - it's a hard slog at the point your at. The old canard in IT is "if you want a raise, change jobs" is unfortunately true. You need to start looking at larger companies with decent budgets. The only way to get into big boy toys is...
by brad.clarkston
Thu Dec 07, 2017 12:39 am
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 20
Views: 2983

Re: REIT Magazine

abuss368 wrote:
Wed Dec 06, 2017 11:46 pm
brad.clarkston wrote:
Wed Dec 06, 2017 9:59 pm
I hold FREL in my Fidelity Core 4 (+1) port and 5 out of my 15 stocks are REIT's in my Divi stock port in Roth.
I also read Seeking Alpha but there's a lot of trash to get to the few gems.
Have you read REIT magazine?
Nope didn't know it was a thing. Whats the subscription fee ?
by brad.clarkston
Wed Dec 06, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4851

Re: I received a speeding ticket via mail from IA - should I pay it?

Here's a post that says it ended it hitting his credit score: https://www.autoblog.com/2013/04/15/red-light-camera-credit-score/ I know in some states these camera's were used a bit, but then for reasons unknown to me, they apparently ended up discontinuing the program. Have been hit by one, but pa...
by brad.clarkston
Wed Dec 06, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 6876

Re: House on the market less than a day. Did listing agent commit fraud?

That's pretty normal the housing markets goes fast and slow at times. No need to jump to trying legal action on a property you never had a leg in to start with. They probably got the offer the day before but decided on it that night and called there agent. We did that once, waited five or six hours ...
by brad.clarkston
Wed Dec 06, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4851

Re: I received a speeding ticket via mail from IA - should I pay it?

I doubt its as big of deal as some here think. There’s a reason some states make out of state drivers pay tickets on the spot with a credit card, people don’t pay them otherwise. A bench warrant issued for one speeding ticket? Its possible I guess. But I doibt it. Even then they’d need to pull you ...
by brad.clarkston
Wed Dec 06, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4851

Re: I received a speeding ticket via mail from IA - should I pay it?

Worst case if you don't pay it they send it to collections. No idea if they'd take it as far as reporting to credit agencies. No that's not how it works, they issue a bench warrant for your arrest in that state and flag the DMV to not allow you to renew your license in any state in the union. I thi...
by brad.clarkston
Wed Dec 06, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4851

Re: I received a speeding ticket via mail from IA - should I pay it?

Worst case if you don't pay it they send it to collections. No idea if they'd take it as far as reporting to credit agencies. No that's not how it works, they issue a bench warrant for your arrest in that state and flag the DMV to not allow you to renew your license in any state in the union. Once ...
by brad.clarkston
Wed Dec 06, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 20
Views: 2983

Re: REIT Magazine

I hold FREL in my Fidelity Core 4 (+1) port and 5 out of my 15 stocks are REIT's in my Divi stock port in Roth.
I also read Seeking Alpha but there's a lot of trash to get to the few gems.
by brad.clarkston
Wed Dec 06, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4851

Re: I received a speeding ticket via mail from IA - should I pay it?

Worst case if you don't pay it they send it to collections. No idea if they'd take it as far as reporting to credit agencies. No that's not how it works, they issue a bench warrant for your arrest in that state and flag the DMV to not allow you to renew your license in any state in the union. Once ...
by brad.clarkston
Wed Dec 06, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Annoying Ads when turning on Galaxy S7 smartphone
Replies: 6
Views: 382

Re: Annoying Ads when turning on Galaxy S7 smartphone

Go into your settings and then "Notifications" and open the two new apps and turn on "Block All" notifications and reboot the phone.
Does that fix the issue?
by brad.clarkston
Wed Dec 06, 2017 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 12
Views: 1148

Re: Portfolio Review Request

Since you are using Fidelity, you should use the "Analysis" tab at Fidelity to explore what your Asset Allocation actually is and test changes to see what happens. See this post: https://www.bogleheads.org/forum/viewtopic.php?p=2248876#p2248876 Presumably that 23% in his 401(k) in a money market fu...
by brad.clarkston
Tue Dec 05, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: REIT Index -- Vanguard vs Fidelity?
Replies: 9
Views: 870

Re: REIT Index -- Vanguard vs Fidelity?

Just buy VNQ, the vanguard REIT etf that has a low expense ratio. No look at FREL (FIDELITY MSCI REAL ESTATE INDEX ETF) that's the REIT ETF of choice for Fidelity with a 0.08% ER. The VG bias is an Achilles heel around here regarding Fidelity at times. Always pick the best NTF at Fidelity as they c...
by brad.clarkston
Tue Dec 05, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: How many security Camera's
Replies: 15
Views: 1340

Re: How many security Camera's

I am looking for some advise, the house is 2800 sqft on 0.71acre piece of land with nearby friendly neighbors. There 3 entrance to the house, on is garage, front and backyard. There are 3 entrance for you . Burglars may be more imaginative and use windows or chainsaws. It's called breaking and ente...
by brad.clarkston
Tue Dec 05, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: How many security Camera's
Replies: 15
Views: 1340

Re: How many security Camera's

The amount of camera's and brand/model doesn't matter to much what DVR back end are you going to use to store the video ?
That's the part that will dictate the amount of camera's but three is pretty small amount.
by brad.clarkston
Mon Dec 04, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Ever seen a 401k with so few options?
Replies: 13
Views: 1018

Re: Ever seen a 401k with so few options?

If that's the case the Vanguard Balanced Fund (60% equities /40% bonds) is a great fund to just dump money into and then do your tilt's in a T-IRA and Roth.
by brad.clarkston
Mon Dec 04, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary Loan for Down Payment, Fast Payback Upon Sale of Current House
Replies: 5
Views: 427

Re: Temporary Loan for Down Payment, Fast Payback Upon Sale of Current House

Yea that's what I meant sorry, one lump sum payment as soon as you can.
by brad.clarkston
Mon Dec 04, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary Loan for Down Payment, Fast Payback Upon Sale of Current House
Replies: 5
Views: 427

Re: Temporary Loan for Down Payment, Fast Payback Upon Sale of Current House

Should be fine as long as you get it back in there ASAP take as short of a window as you can get.
by brad.clarkston
Mon Dec 04, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: VPN user -- can Vanguard remember my computer?
Replies: 4
Views: 510

Re: VPN user -- can Vanguard remember my computer?

Each time I log onto Vanguard, it asks whether VG should remember my computer. Now that I'm using a VPN, I don't know what to tell it. :? Does anyone know how Vanguard 'remembers' my computer? If it is ip based, perhaps it cannot recognize my computer when I am using a VPN. Thanks! The real questio...
by brad.clarkston
Mon Dec 04, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2266

Re: The "petro," a Venezuelan oil-backed cryptocurrency

Yea I see tons and tons of non-Venezuelan's flocking to the Petro ... said no one ever.
by brad.clarkston
Mon Dec 04, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 12
Views: 1148

Re: Portfolio Review Request

Questions: 1. I’m trying to bring my asset allocation to 70/30. I’ve read the Wiki on tax efficient placement. If in the future I need to purchase bonds in my taxable due to lack of space in tax-advantaged, should I continue to use FBIDX or is there another recommended fund? FBIDX is good enough un...
by brad.clarkston
Mon Dec 04, 2017 1:26 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 18794

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Only if your a early miner. I sold my last coins when it hit $7k and haven't looked back due to buggy wallet code. It's now a secondary marked for BitCoin's == people buying pre-mined coins just to sell high. Maybe one of the new ones coming up but the days of just using your sub $300 graphic card ...
by brad.clarkston
Sun Dec 03, 2017 11:40 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 166
Views: 9078

Re: One answer to the Dividend stocks puzzle from behavioral finance

So many here dont like dividends. You are the VAST minority. Every single company in the DJIA and 80+% of of companies in the s&p 500 pay dividends. Why? The VAST majority of investors want them. They create value for investors. I wouldn't say "many here don't like dividends" its more like "the voc...
by brad.clarkston
Sun Dec 03, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3157

Re: Card declined - blocked country

That's very interesting. I had no idea that a chip-and-PIN credit card wouldn't work globally; that was said to be one of the big reasons for moving to that system. Only the EU has fully adopted chip-&-pin the USA is next on the list with wide spread chip-&-signature adoption and limited chip-&-pin...
by brad.clarkston
Sun Dec 03, 2017 8:51 pm
Forum: Forum Issues and Administration
Topic: Is it time to put limit of max 99 active Bitcoin topics?
Replies: 9
Views: 781

Re: Is it time to put limit of max 99 active Bitcoin topics?

This is getting patently ridiculous. I think the time has come to add Bitcoin to the list of unmentionables aka similar to politics and pending legislation. lol....starting a thread about Bitcoin to complain about multiple threads about Bitcoin. :confused Yea I thought that was cute as well.
by brad.clarkston
Sun Dec 03, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 18794

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

So let's say you have a gain of 10 million in bitcoins. You decide to sell all of it. When you sell it will there be an ACH transfer to your checking or savings? Is it that simple? It's the selling part that gets you. You have to join a market place that you trust , put them in said market place's ...
by brad.clarkston
Sat Dec 02, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 17
Views: 1649

Re: Fidelity Yubikey questions

It's unfortunately not too hard for a scammer to trick the mobile phone providers customer support people into giving them access to your account. It usually just requires "verifying" the identity with basic information (SSN, DOB, address, etc.), which is basically semi-public information now given...
by brad.clarkston
Sat Dec 02, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 17
Views: 1649

Re: Fidelity Yubikey questions

I'm a bit confused on the reason to use Symantec's product as it's not that good for multi-factor. Just enabling Fidelity's two-factor authentication with your cellphone is as good as Symantec's service. Yubico works with lots of services. I use one to auto-login to my computers (home and work) and...
by brad.clarkston
Sat Dec 02, 2017 2:02 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 17
Views: 1649

Re: Fidelity Yubikey questions

I'm a bit confused on the reason to use Symantec's product as it's not that good for multi-factor. Just enabling Fidelity's two-factor authentication with your cellphone is as good as Symantec's service. Yubico works with lots of services. I use one to auto-login to my computers (home and work) and ...
by brad.clarkston
Sat Dec 02, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2258

Re: Considering Building Gaming PC - Good Builds/Price Points?

I just researched video cards and like many posters above, chose the GTX 1060. It seems to be the sweet spot for GPU's. I spent the extra $50 for the 6GB model, hoping to add a little future proofing to it. Not anymore it would be the GTX 1070ti-8gb - especially not the 1060-3gb it's just dying on ...
by brad.clarkston
Fri Dec 01, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Changing Retirement Mutual Funds - Advice?
Replies: 8
Views: 659

Re: Changing Retirement Mutual Funds - Advice?

2 questions: 1) I've fallen in love with my Vanguard TRF 2045 fund and I'm really sad to leave it. What should I pick at Fidelity instead (401k worth around $86k)? The Fidelity Freedom 2045 Index Fund (FIOFX) is just as good. You'll find this forum extremely biased to VG but Fidelity meets/beats/co...
by brad.clarkston
Fri Dec 01, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8301

Re: Want to sell my Bitcoin, but when?

Someone magically drops 14,000 in your lap, BUT there's a catch! The catch is you have to pay a 44% tax (39.6%+3.8%+0.9%) if you want to keep most of it. Bird in hand is better than two in a bush. Pay the toll and exit right. Yep dropped the gift limit into a 529 and maxed a HSA with some to spare....
by brad.clarkston
Fri Dec 01, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8301

Re: Want to sell my Bitcoin, but when?

Nope I fully exited when the price hit $7k and wont go back now that it's in the secondary market (less miners more purchasers) and the sorry state of cryptocurrency encryption code or lack there of. Don't even get me started on the wallet code, hopefully you have yours in a offline hard drive wallet.
by brad.clarkston
Fri Dec 01, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2258

Re: Considering Building Gaming PC - Good Builds/Price Points?

I built a lot of systems in the 90s and 00's on AMD processors. I built my last rig (light gamer) with an i3-4130 (2014 build) for non high-end gaming. I can't speak for the Ryzen. The Intel blew away the FX series of AMD chips even with more cores and higher clock speed. It's converted me to Intel...