Search found 246 matches

by Laundry_Service
Sun Apr 25, 2021 9:44 pm
Forum: Personal Consumer Issues
Topic: When to change automatic transmission fluid
Replies: 62
Views: 4431

Re: When to change automatic tramission fluid

I am a DIY mechanic for most things and have owned a Camry of that same generation. I would do a drain and refill with Toyota T-IV fluid and swap out about 4 quarts of fluid. Total cost to me was about $20 and 10-15 minutes on top of an oil change. I have a Ford now that has a transmission that a lo...
by Laundry_Service
Sat Apr 03, 2021 12:23 pm
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3994

Re: exipred / obsolete propane jugs

I just swapped an empty tank from 1999 at a Blue Rhino automated kiosk at a Walmart Neighborhood Market. I paid with a card, door opened to put empty tank inside then another door opened up with my replacement tank from 2017. I think this was $16.
by Laundry_Service
Mon Feb 08, 2021 9:42 am
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6191

Re: What's your highest limit credit card?

I recently had my BofA 2.62% card limit raised from $35k to $43k and today I noticed it has been reduced to $25k. I had just made a purchase that utilized 95% of the limit but paid the balance within a couple of weeks. How recently was it raised to $43K? No notification from BofA of the reduction? ...
by Laundry_Service
Sun Feb 07, 2021 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6191

Re: What's your highest limit credit card?

I recently had my BofA 2.62% card limit raised from $35k to $43k and today I noticed it has been reduced to $25k. I had just made a purchase that utilized 95% of the limit but paid the balance within a couple of weeks.
by Laundry_Service
Sun Feb 07, 2021 6:54 am
Forum: Personal Consumer Issues
Topic: Hotel / AirBnB WiFi - Trust it?
Replies: 32
Views: 2036

Re: Hotel / AirBnB WiFi - Trust it?

I travel quite a bit and typically stay at Hilton and Marriott properties and don't have any real concern.

While we're here has anyone had issues that they can link back to a compromised internet connection?
by Laundry_Service
Sat Feb 06, 2021 10:38 pm
Forum: Personal Investments
Topic: Confused about E*TRADE unrealized gains
Replies: 9
Views: 499

Re: Confused about E*TRADE unrealized gains

In the past I had minor issues with transferring to ETrade and cost basis. It was resolved after a week or two with a quick email to my rep, but I'm not sure why they have this issue. I've done a number of transfers in the last couple of years for bonuses and ETrade is the only brokerage that I've h...
by Laundry_Service
Fri Feb 05, 2021 5:28 am
Forum: Personal Investments
Topic: IRS backlog still going on? re:1040x
Replies: 3
Views: 502

IRS backlog still going on? re:1040x

The IRS site says my 1040x has not yet been processed with the following message: Your amended return was received on May **, 2020. However, it has not been processed. We apologize for any inconvenience. Please call 800-829-0582, extension 623, between the hours of 7 a.m. and 7 p.m., Monday through ...
by Laundry_Service
Sun Jan 24, 2021 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: [How to report 1099-R - CARES act repayment]
Replies: 25
Views: 2423

Repaid 2020 inherited IRA RMD and 1099R

[Thread merged into here, see below. --admin LadyGeek] I took my inherited IRA RMD for 2020 earlier in 2020 and repaid it in July 2020. My 1099R shows a distribution in the full amount and when I look at my account history the repayment is showed as a rollover. Is my 1099 still correct and where wh...
by Laundry_Service
Mon Jan 18, 2021 8:21 am
Forum: Personal Consumer Issues
Topic: Radio Frequency Interference Issue
Replies: 25
Views: 1812

Re: Radio Frequency Interference Issue

Do you know the make and model of the system? Do you know if you can change frequencies?
by Laundry_Service
Mon Jan 18, 2021 7:38 am
Forum: Personal Consumer Issues
Topic: Best place to find a nimh rechargeable replacement battery.
Replies: 13
Views: 812

Re: Best place to find a nimh rechargeable replacement battery.

If you can't take apart the battery pack and rebuild with new cells on your own I think you would be better off with a new remote as another poster stated. If you are able to locate a replacement pack it's probably been sitting on a shelf for years.
by Laundry_Service
Fri Jan 15, 2021 11:09 am
Forum: Investing - Theory, News & General
Topic: Is the portability of ETFs worth much?
Replies: 42
Views: 2319

Re: Is the portability of ETFs worth much?

The value of portability was huge for me in 2020 making over $5k from multiple brokerage bonuses.
by Laundry_Service
Fri Jan 15, 2021 10:59 am
Forum: Personal Finance (Not Investing)
Topic: 5500-EZ form question for individual 401K
Replies: 14
Views: 1310

Re: 5500-EZ form question for individual 401K

I just filed my 5500-EZ on the EFAST site. It kicked back my return using the "2G" code, so I removed. Everything else was quick and easy.

The following codes were accepted with no issue:
2E
2J
2R
3B
3D
by Laundry_Service
Tue Jan 12, 2021 4:21 pm
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8375

Re: Password manager

I recently started using Bitwarden and so far I give it excellent marks.
by Laundry_Service
Fri Jan 08, 2021 8:45 am
Forum: Personal Consumer Issues
Topic: Is the GYM worth it right now?
Replies: 22
Views: 1534

Re: Is the GYM worth it right now?

No way for me. I'm low risk but in my eyes this is just another great opportunity for the virus to spread and drag things out. I have a small set of weights at home and have gotten used to riding my bike outside in the colder weather. Also, if I'm the sick one I wouldn't want to be spreading things ...
by Laundry_Service
Mon Jan 04, 2021 6:21 am
Forum: Personal Consumer Issues
Topic: Hotels for travel through Georgia?
Replies: 37
Views: 2580

Re: Hotels for travel through Georgia?

I would suggest using the Hilton app and booking a room. Lots of very inexpensive (compared to last spring) hotels and you can use your phone as the key. Most will also offer very last minute cancellation now. You lose almost all of your flexibility and leverage using a 3rd party booking site.
by Laundry_Service
Sat Jan 02, 2021 10:04 am
Forum: Personal Consumer Issues
Topic: Bulging Iphone - How to replace securely
Replies: 30
Views: 2367

Re: Bulging Iphone - How to replace securely

There is an option to erase content and settings from your phone. I've got the latest iOS so yours may be slightly different. If you have everything backed up go to Settings > General > scroll to the bottom and select Reset > Erase all contents and settings. Everything will be gone on the phone. If ...
by Laundry_Service
Sat Dec 26, 2020 7:00 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2903
Views: 462961

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have completed dozens of ACATS transfers and the cost basis came without issue each time. Etrade is the only brokerage that I've experienced cost basis transfer issues with, and it has happened more than once. It's nothing an email to my rep, who then checks in with the department that handles co...
by Laundry_Service
Tue Dec 22, 2020 7:56 am
Forum: Personal Investments
Topic: Fidelity 401K--> conversion to roth (and CMA vs SPRXX?)
Replies: 4
Views: 303

Re: Fidelity 401K--> conversion to roth (and CMA vs SPRXX?)

Your return of SPRXX is after the fees, so you will net .1% or whatever the current, almost negligible rate is. Does your 401k plan offer in service rollovers to 401k? Most don't. You may be able to use a CARES / COVID distribution for a one time distribution from your 401k before the year is up. Ju...
by Laundry_Service
Wed Dec 16, 2020 5:58 am
Forum: Personal Finance (Not Investing)
Topic: COVID Roth Conversions
Replies: 7
Views: 589

Re: COVID Roth Conversions

I converted:

200 shares of FZROX on 3/23
200 shares of FZROX on 3/18
700 shares of FZROX on 3/12
500 shares of FZROX on 3/09
600 shares of FZROX on 2/28
280 shares of FZROX on 2/27

If anyone is curious FZROX is Fidelity ZERO Total Market Index Fund
by Laundry_Service
Wed Dec 09, 2020 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 858
Views: 184457

Re: Bank of America/Merrill Edge - Preferred Rewards

runswithscissors wrote: Tue Dec 08, 2020 4:28 am Very disappointed to hear this. Have several hundred K in ME and will move it out in a heartbeat if they nix the PH rewards.
Ditto. I don't like them as a company and will leave immediately after they stop being useful to me.
by Laundry_Service
Tue Dec 08, 2020 7:04 am
Forum: Personal Investments
Topic: Consolidating all investments at Fidelity
Replies: 37
Views: 3937

Re: Consolidating all investments at Fidelity

https://www.fidelity.com/wealth-management/overview

After a quick google search I found this page. I haven't had time to look through the wording but right off the bat it looks like you may need to have "managed assets" at Fidelity.
by Laundry_Service
Sat Dec 05, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What are some good choices for premium banking?
Replies: 34
Views: 2746

Re: What are some good choices for premium banking?

BoA offers a nice rewards system (search the forum for "BoA Premium Rewards") where having $200K in ETFs at their low-cost Merrill Edge brokerage can get you extra credit card rewards, e.g., 5.25% in selectable categories and/or a straight-up 2.625% on everything, depending on the card. T...
by Laundry_Service
Fri Dec 04, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: What happened to Fido funds today?
Replies: 114
Views: 6023

Re: What happened to Fido funds today?

absolute zero wrote: Fri Dec 04, 2020 8:26 pm Still seems strange. If total market is up 1% and FZROX is down 0.3%, that would imply a 1.3% dividend for the quarter, or an annualized 5.2%....
FZROX only pay once a year
by Laundry_Service
Thu Nov 19, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage Transfer Game: How to Avoid/Reimburse Transfer Fees?
Replies: 2
Views: 324

Re: Brokerage Transfer Game: How to Avoid/Reimburse Transfer Fees?

I don't think Fidelity charges an outbound fee, but you need to verify. My most recent time from a Roth IRA from Bank of America to ETrade my account was transferred over with a -$50 balance and ETrade credited my Roth IRA account and everything zero'ed out.
by Laundry_Service
Wed Nov 18, 2020 3:13 pm
Forum: Personal Investments
Topic: Ameriprise FRONTIER DIVERSIFIED CL 3 - what is this?
Replies: 14
Views: 863

Re: Ameriprise FRONTIER DIVERSIFIED CL 3 - what is this?

Thank you for the responses. This specific mystery fund is valued at almost $15k. The portfolio (and Ameriprise) was inherited by my mother, who has had it since February. I'm gathering info to present my case for leaving Ameriprise, and this should help make the case. My take is a bit different --...
by Laundry_Service
Wed Nov 18, 2020 2:15 pm
Forum: Personal Investments
Topic: Tracking One Brokrage Account With a Few Buckets of Money
Replies: 12
Views: 785

Re: Tracking One Brokrage Account With a Few Buckets of Money

Google Sheets can do this pretty easily. If you don't know how to use a spreadsheet you'll have to do some reading.
by Laundry_Service
Tue Nov 17, 2020 3:55 pm
Forum: Personal Investments
Topic: I may die poor
Replies: 160
Views: 17952

Re: I may die poor

Call your credit card company and see if they will give you a lower rate for the short term. If the answer is no I would suggest paying 2-3k right now and do the same the next several months. This will leave you some cash and flexibility but get it taken care of as soon as you reasonably can.
by Laundry_Service
Sun Nov 15, 2020 10:11 am
Forum: Personal Investments
Topic: Should I continue to own Vanguard funds in my Fidelity account?
Replies: 2
Views: 424

Re: Should I continue to own Vanguard funds in my Fidelity account?

It's probably costing you nothing at this point. I think new purchases will have some kind of fee and dividends are likely reinvested for free. You should probably call Fidelity and ask. You also may be able to place a preview for an order for one of your existing funds and you'll probably see a com...
by Laundry_Service
Thu Nov 12, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone else waiting on an IRS refund?
Replies: 16
Views: 1328

Re: Is anyone else waiting on an IRS refund?

HomeStretch wrote: Wed Nov 11, 2020 5:22 pm I have not yet received a small refund related to a paper Form 1040X filed in early May. The filing doesn’t yet show as received in the IRS online system.
I sent in a paper 1040X in late April. Nothing on the IRS site for me either.
by Laundry_Service
Wed Nov 11, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: drone recommendation for kids
Replies: 9
Views: 509

Re: drone recommendation for kids

Check out the app Airmap on your phone. It will be very helpful in locating where you can and can't fly. I would also suggest looking at DJI drones. The sensors add a lot of safety to flying and reduce the chance of having your drone fly off.
by Laundry_Service
Wed Nov 11, 2020 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Zelle at fidelity
Replies: 20
Views: 8251

Re: Zelle at fidelity

Does anyone know of a free checking account that has free inbound wire that is a full partner with Zelle? I can wire to Schwab for free but Schwab is not a partner of Zelle. This seems like the only viable workaround for Zelle and Fidelity. You would need to reach preferred rewards status, which I ...
by Laundry_Service
Sun Nov 08, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card which is NOT the Citi Double Cash?
Replies: 49
Views: 4805

Re: What is the best 2% cash back credit card which is NOT the Citi Double Cash?

I have the Bank of America 2.62% card and have given up everything except my Costco card which I would if a work card wasn't needed. FYI I recently purchased a $100 American Airlines gift card and was credited with the $100 per year airline incidentals credit. I can't guarantee it will work for you,...
by Laundry_Service
Tue Oct 27, 2020 5:57 am
Forum: Personal Consumer Issues
Topic: Battery powered generators?
Replies: 116
Views: 7531

Re: Battery powered generators?

Depending on your budget I would suggest you look at the Honda Eu2200i. I think it's about 1000 bucks and should treat you well for 10 years and essentially gives you the capacity of a standard 15 amp circuit. The 2200i vs the older 2000i also has a fuel shut off mode which will drain the carb. I al...
by Laundry_Service
Fri Oct 16, 2020 12:29 pm
Forum: Personal Investments
Topic: S&P Index vs Total Market
Replies: 20
Views: 2638

Re: S&P Index vs Total Market

What do others think? Is the S&P 500 fund a better choice for introducing someone to investing? From my own experience, I suggested and helped someone move their high-cost Roth IRA w/ a target retirement fund with 1% ER and 5.75% load to a low-cost SP500 fund. I think a total stock market fund ...
by Laundry_Service
Fri Oct 16, 2020 10:40 am
Forum: Personal Investments
Topic: All in on VTSAX
Replies: 136
Views: 14457

Re: All in on VTSAX

Earlier this year I sold all of my international (VXUS). This was about 25% of my portfolio and I've held onto it for a long time. I'm comfortable moving on from international no matter how things turn out. I'm mostly VTI now and a handful of individual companies.
by Laundry_Service
Tue Sep 22, 2020 7:54 am
Forum: Personal Finance (Not Investing)
Topic: BofA Premium Rewards 5.25% Categories?
Replies: 29
Views: 1969

Re: BofA Premium Rewards 5.25% Categories?

The 3/5.25% deal is the "Cash Rewards" credit card with no annual fee.

https://www.bankofamerica.com/credit-ca ... 0~5B~en_US
by Laundry_Service
Mon Sep 21, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paying BofA credit card bill online?
Replies: 35
Views: 2093

Re: Paying BofA credit card bill online?

I'm not sure if this has been addressed in the thread or not but once you enable autopay you do need to select Pay balance in full. Keep in mind this is for the balance in full OF THE STATEMENT not your actual credit card balance.

Their payment system is shamefully terrible.
by Laundry_Service
Tue Sep 08, 2020 10:38 am
Forum: Personal Investments
Topic: ETrade: How do I perform a I401k Roth rollover
Replies: 5
Views: 339

Re: ETrade: How do I perform a I401k Roth rollover

I just got off the phone with them. They have instructed me to download a form on the website and upload it via secure message. The form (as of 09/08/2020) can be found on the ETrade site > Documents drop down > Forms and applications > Transfers and distributions > click view descriptions > Direct ...
by Laundry_Service
Tue Sep 08, 2020 8:49 am
Forum: Personal Investments
Topic: ETrade: How do I perform a I401k Roth rollover
Replies: 5
Views: 339

ETrade: How do I perform a I401k Roth rollover

I have recently amended my i401k plan to ETrade and have added a Roth i401k and in service Roth rollover capabilities. Am I able to request a IRR online or will I need to call? Am I only able to roll to my Roth i401k or can i roll it into my Roth IRA at ETrade? The wait times have been incredibly lo...
by Laundry_Service
Fri Aug 14, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Looking for gas can that is easy fill / easy pour
Replies: 43
Views: 2908

Re: Looking for gas can that is easy fill / easy pour

I use current 5 gallon plastic gas cans from big box stores and install eBay vents and have a couple of the replacement flexible nozzles. I don't keep more than a gallon or two or ethanol free around most of the time but when it's storm season I'll fill up 25-35 gallons and dump into my vehicles aft...
by Laundry_Service
Thu Aug 13, 2020 12:20 pm
Forum: Personal Investments
Topic: would you pay $140 to sell funds at vanguard?
Replies: 21
Views: 1751

Re: would you pay $140 to sell funds at vanguard?

Yes. Pay the money and move forward and be done with it. You're in a better place now.
by Laundry_Service
Sun Aug 02, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Any Chase Sapphire Reserve cardholders planning on cancelling?
Replies: 94
Views: 10363

Re: Any Chase Sapphire Reserve cardholders planning on cancelling?

I will likely cancel in several months once my year is up. I cashed out ~400,000 UR points, which wasn't the best value. I've invested the money and expect to come out better down the road. I'm primarily using the Bank of America Premium Rewards card which is $95 a year and you can get 2.625% back o...
by Laundry_Service
Wed Jul 22, 2020 10:10 am
Forum: Investing - Theory, News & General
Topic: Can you sell specific tax lots with Fidelity app?
Replies: 4
Views: 1262

Can you sell specific tax lots with Fidelity app?

I’m using the Fidelity iPhone app. I’ve read that it is possible to sell specific tax lots using the fidelity app but I’m not seeing the option.
by Laundry_Service
Sat Jul 18, 2020 6:41 pm
Forum: Personal Investments
Topic: CARES Act - Mass Mutual 401k to checking or rollover IRA at Schwab
Replies: 9
Views: 440

Re: CARES Act - Mass Mutual 401k to checking or rollover IRA at Schwab

Thanks! Just want to make sure the premise of my plan is sound and there aren't any glaringly obvious issues.
by Laundry_Service
Sat Jul 18, 2020 6:28 pm
Forum: Personal Investments
Topic: CARES Act - Mass Mutual 401k to checking or rollover IRA at Schwab
Replies: 9
Views: 440

Re: CARES Act - Mass Mutual 401k to checking or rollover IRA at Schwab

Frankly, 0.04% + 0.09% = 0.13% ER for a S&P 500 index fund sounds like a very reasonable ER. Why not leave the funds within the plan? On the $102k balance you have, that's an additional expense of $90 per year. All that heartburn for $90 savings ? The .09% is per quarter so it will end up being...
by Laundry_Service
Sat Jul 18, 2020 2:12 pm
Forum: Personal Investments
Topic: CARES Act - Mass Mutual 401k to checking or rollover IRA at Schwab
Replies: 9
Views: 440

Re: CARES Act - Mass Mutual 401k to checking or rollover IRA at Schwab

1. It is a union 401k plan. I'm currently only working ~10% of pre-COVID levels but I'm still contributing to the plan. 2. The SPD does have some in-service distributions listed for hardships etc but I don't think those would apply to me. The plan does have forms on their site for CARES distribution...
by Laundry_Service
Sat Jul 18, 2020 1:37 pm
Forum: Personal Investments
Topic: CARES Act - Mass Mutual 401k to checking or rollover IRA at Schwab
Replies: 9
Views: 440

CARES Act - Mass Mutual 401k to checking or rollover IRA at Schwab

I have a 401k that is currently worth $102k and is invested in a SP500 fund at a low ER of .04% but additional fees of .09% AUM per quarter. The distribution form from Mass Mutual allows me to ACH or receive a check. I'd ultimately like for this to end up in a Solo401k that I have at Schwab. Is ther...
by Laundry_Service
Fri Jul 17, 2020 1:33 pm
Forum: Personal Investments
Topic: Transferring Accounts
Replies: 2
Views: 313

Re: Transferring Accounts

I would recommend a brokerage that may pay for some of your account closing fees. $75 per account is a typical fee. Why do you have so many accounts? I would probably try consolidating one type of account at a time ie. consolidate your IRAs then move to Roth then move to taxable once you have learne...
by Laundry_Service
Wed Jul 15, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Solar with battery/tesla wall
Replies: 116
Views: 8841

Re: Solar with battery/tesla wall

It would be really nice if I could use my Model 3 as a battery backup in case of power failure, as opposed to purchasing a Powerwall. Yes, it would. This is probably the biggest hold out I have at this point on purchasing a BEV. I don't and probably never will have a whole home generator it would b...