Search found 30 matches

by H-Dog
Mon Dec 03, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3275

Re: Pixel 3 early adopters: any feedback?

I also got in on the travel gift card deal and I'm really excited to get the phone. In regards to a screen protector. I find it odd for people not to spend $10 for a screen protector or $20 for a case for a device that is several hundred dollars. I have coworkers who never have screen protectors or ...
by H-Dog
Mon Dec 03, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Wife being sued after wreck
Replies: 21
Views: 4475

Re: Wife being sued after wreck

We had a similar situation years ago. Geico said they would cover up to our liability limit which was significantly lower vs what we were being sued for unfortunately. Fortunately both our insurance, their insurance and the police report put my wife not at fault. I think it's best to call Progressiv...
by H-Dog
Mon Dec 03, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: High fees with Fidelity 401k
Replies: 9
Views: 1133

Re: High fees with Fidelity 401k

Unfortunately we get charged on a percentage basis. We are exploring leaving that job next spring and then the 401k can be moved out as well.

I will roll the 401k to a rollover IRA account also at Fidelity.
by H-Dog
Mon Dec 03, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3275

Re: Pixel 3 early adopters: any feedback?

Which screen protector does everyone use? I need to order one. I just ordered a new Pixel 3 and it should arrive this week. I have used Nexus 5 and Nexus 5x in the past. I like the clean Android look and feel in the Nexus/Pixel devices. It's nice to get 3 years of security updates from Google. Stock...
by H-Dog
Thu Nov 22, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: High fees with Fidelity 401k
Replies: 9
Views: 1133

Re: High fees with Fidelity 401k

We live in UT. We are hoping to jump ship to a different school district at some point. She does not have access to 457 plan through her district. Perhaps we could explore it through Fidelity? Not sure if this is possible.
by H-Dog
Sat Nov 17, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: High fees with Fidelity 401k
Replies: 9
Views: 1133

Re: High fees with Fidelity 401k

Unfortunately the employer will never change this. They are all about saving all the $$$ for the administration.
by H-Dog
Sat Nov 17, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: High fees with Fidelity 401k
Replies: 9
Views: 1133

High fees with Fidelity 401k

Hi Bogleheads community, Fidelity is charging high fees on my wife's 401k account. Apparently they are charging a total of 0.95% in fees : 0.35% "consulting" + 0.60% in administrative fees on the 401k plan. :oops: This is insane for a company like Fidelity. Her 401k recently moved to Fidelity and I ...
by H-Dog
Thu Oct 25, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Another HSA vs PPO w/ Expected baby in 2019
Replies: 5
Views: 740

Re: Another HSA vs PPO w/ Expected baby in 2019

If you have FSA available you may want to factor in some tax savings to PPO as well for more appropriate compare Great point! I do have a FSA available. I am using the same tax rate that I used for HSA to calculate tax savings. FSA is now cheaper by $3 for the second scenario. For the first scenari...
by H-Dog
Wed Oct 24, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Another HSA vs PPO w/ Expected baby in 2019
Replies: 5
Views: 740

Re: Another HSA vs PPO w/ Expected baby in 2019

That is actually really interesting. I do like your blog, seems like there are some fun posts that apply to us, millennials.

Thanks for sharing!
by H-Dog
Tue Oct 23, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Another HSA vs PPO w/ Expected baby in 2019
Replies: 5
Views: 740

Another HSA vs PPO w/ Expected baby in 2019

Hello everyone! I would love to have Bogleheads review my insurance numbers and poke holes if possible. We are expecting a baby in 2019(you are the first to know!). I know there have been a few posts about health insurance recently which I have reviewed. Based off of our numbers I am seeing the foll...
by H-Dog
Fri Jun 30, 2017 10:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Salt Lake City Bogleheads
Replies: 58
Views: 10444

Re: Salt Lake City Bogleheads

I will watch out for another meeting as well.
by H-Dog
Sun Dec 25, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 9131

Re: How do you track your finances?

I use Personal Capital. It's easy and convenient. Instead of avoiding new tech I embrace it. ... ... It's just that I don't embrace losing the ability to access and learn from all my historical data. ... That is a valid point. However if Personal Capital gets acquired, has to be shut down, or they ...
by H-Dog
Sun Dec 25, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: New homeowner w/ PAL rule & Savers credit
Replies: 4
Views: 601

Re: New homeowner w/ PAL rule & Savers credit

I plugged the numbers into turbotax and it did not have concerns with deducting the expenses from my W2 income. I did not find anything about ongoing concern as a rental property on IRS publication 925. Turbotax did not ask that question either. I will research it further on IRS website. Thanks for ...
by H-Dog
Sun Dec 25, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 9131

Re: How do you track your finances?

I use Personal Capital. It's easy and convenient. Instead of avoiding new tech I embrace it. It's easy to check all financial transaction history in one place including credit cards, bill pays, ACH transfers etc and they do a great job keeping the platform functional with frequent updates. Personal ...
by H-Dog
Sun Dec 25, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: New homeowner w/ PAL rule & Savers credit
Replies: 4
Views: 601

Re: New homeowner w/ PAL rule & Savers credit

Yes, that is what I was thinking. It may be tight timewise and maybe we cannot get some things done but I think we can save a bit on taxes. I didn't know about rental income rule that you dont have to report it if its for less than 15 days. Thank you for that! EDIT: if going through with this scenar...
by H-Dog
Sun Dec 25, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: New homeowner w/ PAL rule & Savers credit
Replies: 4
Views: 601

New homeowner w/ PAL rule & Savers credit

Hi All! Recently we became new homeowners! We closed on the house in December and the old owners are living in the property until they find a larger house on their own.This means they are renting the property back from us and have been doing so for the whole 2016 we owned the property for (less than...
by H-Dog
Sun Apr 24, 2016 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Drafting a Pitch to the Bosses to Switch 401K Providers
Replies: 16
Views: 1455

Re: Drafting a Pitch to the Bosses to Switch 401K Providers

My wife is a teacher and her plan is also with Nationwide that has crazy high fees. I am following this thread and hope that you can get the employer to switch 401k providers. You could be a good case that others like us can go off of to get people to be able to invest in low cost funds (or even if ...
by H-Dog
Tue Dec 29, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1925

Re: Saver's credit

terran wrote:
H-Dog wrote:Last queation: Can i do 3.5k to traditional IRA and 2k to Roth IRA if i dont need to max out the traditional for both of us?
Yes, you can. You can do any combination that adds up to $5.5k for each of you.
Thank you!! I will do that.
by H-Dog
Tue Dec 29, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1925

Re: Saver's credit

Thank you very much for all of your help! I will wait until all w2s are finalized and then figure out the necessary contribution to traditional IRA to be eligible for this credit. Last queation: Can i do 3.5k to traditional IRA and 2k to Roth IRA if i dont need to max out the traditional for both of...
by H-Dog
Tue Dec 29, 2015 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1925

Re: Saver's credit

I could do a traditional ira for both of us, which should put us below 61k limit? So you haven't contributed to any IRA for you or your spouse for 2015? I would just wait until you have your final W2's from all jobs, and then contribute to both IRA's accordingly to hit your target AGI. If you do yo...
by H-Dog
Tue Dec 29, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1925

Re: Saver's credit

OP, 1. Did you contribute the max to your 401k. 2. Did your spouse do the same? 3. What would be the AGI for both after these contributions? 4. Are you thinking of doing Roth IRA for each? If so you cannot do a Trad IRA as well. Each of you can do either one of trad or roth ira. the max is 5.5K if ...
by H-Dog
Tue Dec 29, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1925

Re: Saver's credit

Thank you for all the answers so far! I assume we need to do her contribution before year end? Also can i put in more than 5.5k to her IRA account at fidelity (to be opened)? Or am i limited to 5.5k. We maxed out my 401k and i plan on contributing max to roth for both of us before april 15th, 2015. ...
by H-Dog
Tue Dec 29, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1925

Saver's credit

Last year we barely did not qualify for savers credit (earned too much), however i did not include my Roth savings to reduce earned income as we were over the limit. I dont think roth could be used anyway to reduce earned income to qualify for this credit. Can anyone confirm if this is correct? Now ...
by H-Dog
Tue Sep 22, 2015 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 557
Views: 327427

Re: Mango prepaid card - 4.8% (effective) APY

I may close my accounts as well.. out of curiosity, does anyone know, if you earn interest while the account is being closed?
by H-Dog
Thu Sep 17, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 557
Views: 327427

Re: Mango prepaid card - 4.8% (effective) APY

So it seems like the only casualty of the MC->VISA change is the higher DD requirement of $500 each month. Do we know if this is a solid requirement or is there a work-around it? Don't really want to close my accounts, but alternatively not sure if I should keep pushing and pulling $500 across to e...
by H-Dog
Tue Sep 15, 2015 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Young couple: overview and directions forward
Replies: 8
Views: 2129

Re: Young couple: overview and directions forward

Thank you all for the answers. I will collect all the info asked for and come back once I have it.
by H-Dog
Wed Sep 09, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Young couple: overview and directions forward
Replies: 8
Views: 2129

Re: Young couple: overview and directions forward

Thank you for all your help so far! a) What are the 3-4 lowest expense ratio fund choices offered in each fund category (including bond funds and international stock funds) in his 401k? b) What are the 3-4 lowest expense ratio fund choices offered in each fund category (including bond funds and inte...
by H-Dog
Tue Sep 08, 2015 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Young couple: overview and directions forward
Replies: 8
Views: 2129

Young couple: overview and directions forward

Hello all! I have been lurking in and out of this forum and I have finally decided to post. It took some time to prep this post and I hope I got all the information needed. I have learned a lot so far from reading other peopleā€™s posts on the forum. We look forward to hearing back from the community ...