Bogleheads.org

H-Dog

Either iPhone Se (2020) or Pixel will be fine. I used Pixel 3 but got the se once it came out. I have used google voice on both devices.

H-Dog

I recently purchased a lightly used 2004 Accord top of the line model with 240k miles on it. It needed major service which I did myself and it will need additional major engine work which I plan on completing over the next 6 months by myself again. I hope to keep it for 10 years. Granted, I don’t dr...

H-Dog

I offer $2000 cash from one Boglehead to another no questions asked..

I’m currently rebuilding a transmission so this is kind of hobby of mine.

H-Dog

We are currently on $19.99 plan from Comcast for 30 mpbs. The price is for a year. This is in Utah. There is some competition but nothing crazy good.

H-Dog

I strongly recommend the new iPhone SE if you are bogleheadish and indifferent between the two OS due to cost per year on both devices. Apple provides 5 years of major software updates and 6 years of security updates for all their iPhones since launch. Google provides 3 years of major software updat...

H-Dog

My primary phone number has been on Google voice for six years. A few years back some texts did not come through but now pretty much all work.

If the text does not work then it's possible to take a phone call which always works.

H-Dog

What are your plans for the Highlander? Trade it in?

I just purchased an old Honda for a really good price on the used market from a private seller for exactly what they asked for it. It may make sense to sell privately.

H-Dog

We got ours today. $2900.

We had a baby last year and filed for 2019 taxes in February.

H-Dog

Thanks for the feedback! Darned it I already committed and ordered. Having said that when I remove the old one I’ll use that removal tool to not traumatize the old one. I’ll then either rebuild myself (hopefully diy job) or pay someone to rebuild. Then once the rock auto one fails (hopefully not as...

H-Dog

Unfortunately I had to do my CV axle replacement 3x within 3 months for my 2009 Forester. All the advice here is good. I got it down to 1.5 hrs per side after doing both sides 3x. I would like to add: get more tools from Autozone than you think you need. Make a list of every single tool that people ...

H-Dog

I am an early accumulator and definitely excited about this drop. Mostly excited that we are in a fairly good position to be able to take advantage of it a bit if it lasts for some time. We were planning on starting a taxable account with free cash flow this summer. I did max 401k, HSA early in Jan ...

H-Dog

Here is another data point. It is an ongoing transfer that has not been completed. I am moving assets from Health Equity to Fidelity: 1/3 - Sold all my total market index fund at Health Equity 1/7 - HSA transfer request initiated with Fidelity. Expected transfer completion date 2/4/2020 1/7 - Called...

H-Dog

In the 0% capital gains rate area, which it sounds like you’re in, VTIAX should be pretty tax efficient with the foreign tax credit. Though if you get into the 22%/15% capital gains rate brackets, VTSAX is more tax efficient (or VEXAX would be even better if you want to break up the US stock market...

H-Dog

I am willing to open an account with Vanguard. Are Vanguard ETFs more tax efficient compared to their respective mutual funds? I assume the mutual fund option is VTSAX or etf equivalent VTI? If Vanguard mutual fund tax efficiency is approximately the same compared to ETFs then I just need to decide ...

H-Dog

Hi There! I am trying to figure out which total market/S&P equity fund we should hold in our taxable account as we are looking to ramp up after tax investments. I would rather not hold a ETF but a mutual fund since then I can buy partial shares & have auto-investment set up. We are in 12% tax bracke...

H-Dog

3034.75

H-Dog

We are in Salt Lake City, UT and would not recommend. We have been here for close to a decade. It's not very diverse but the bigger problem for me is the air quality. The air quality gets really bad during the winters in the valley. Maybe if you can live in Park City, UT then that would be nice but ...

H-Dog

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...

H-Dog

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.

H-Dog

Thank you. This is very helpful.

H-Dog

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...

H-Dog

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 ...

H-Dog

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...

H-Dog

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.

H-Dog

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...

H-Dog

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.

H-Dog

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

H-Dog

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 ...

H-Dog

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...

H-Dog

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!

H-Dog

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...

H-Dog

I will watch out for another meeting as well.

H-Dog

2356.77

H-Dog

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 ...

H-Dog

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 ...

H-Dog

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 ...

H-Dog

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...

H-Dog

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...

H-Dog

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 ...

H-Dog

1822.54

H-Dog

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.

H-Dog

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...

H-Dog

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...

H-Dog

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 ...

H-Dog

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. ...

H-Dog

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 ...

H-Dog

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

H-Dog

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...

H-Dog

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

H-Dog

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...

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