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I installed Curt 2" hitch last year for our Forester. It took me about 5 hours which is definitely longer than most. I did need to drill some holes and unhook and move the muffler around. Not sure if it was worth it to diy but I would probably do it again. The hitches go on sale and I got mine for a...

Thank you for the info. I will stick with the HSA as it sounds like it would be a nightmare to undo all of it. I already calculated out that HSA was more beneficial in my situation.

Thank you. This is very helpful.

Sorry to bring this topic back to life. We are now in 2019 and we have an interesting situation. We maxed out our HSA for this year and supposedly have an option to change to PPO that sounds to good to be true. We got the employer match and the tax benefits of maxing the HSA. Can we really switch to...

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 ...

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...

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.

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...

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.

Unfortunately the employer will never change this. They are all about saving all the $$$ for the administration.

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 ...

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...

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!

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...

I will watch out for another meeting as well.

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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 ...

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 ...

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 ...

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...

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...

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 ...

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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.

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...

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...

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 ...

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. ...

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 ...

I may close my accounts as well.. out of curiosity, does anyone know, if you earn interest while the account is being closed?

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...

Thank you all for the answers. I will collect all the info asked for and come back once I have it.

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...

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 people’s posts on the forum. We look forward to hearing back from the community ...