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H-Dog

I have been on a low data plan for 7 years. Our usage on 2 plans is usually less than 200 mb per month. I have the 2nd gen iPhone SE. Ways to save data: -always leave on “low data mode” for cellular data. It is buried somewhere in the settings -always connect to wife at home / work -download offline...

H-Dog

Really appreciate everyone’s input. I never planned on trying to fix the damage myself. I enjoy diy but this is definitely way out of my comfort zone. I will go ahead and file the claim tomorrow. We will go with the mom and pop shop contractor who can do the work quicker vs longer wait with the larg...

H-Dog

We have never submitted a claim for our home insurance. We just switched home insurance companies so we have not been with them long which I suspect would not matter. We have been in the home for ~4 years. We had an auto claim with GEICO which I think went through as no fault due to hitting ice abou...

H-Dog

Hi Bogleheads. Hope to get some help. Someone hit our home with a vehicle, caused damage to the home (and minor damage to our vehicle) and then run. Our neighbors saw it happen and we were at home, got pictures of the vehicle and filed a police report but the plates did not come back (?). Police rep...

H-Dog

I know this is a few months late but I hope it will help OP or others in the future. This summer I misplaced my keys to our Subaru of the same gen (2009-2013) and I researched options. I found the key but realized I didn’t have a backup key set. The best, easiest and cheapest option for another vehi...

H-Dog

I went through this exact scenario. Baby during COVID and we ended up with a second car. We used to own only 1 car for two adults for 6 years but we decided to get a second vehicle because that makes the most sense for our situation. Each family situation is unique and different. Do you have family ...

H-Dog

I also really did not like this announcement but in the grand scheme of things it is not significant: 1) You can continue taking pictures and upload them to Google Photos. If you are "reasonable" with Google services usage then you may still have years worth of the free service. -- This in...

H-Dog

I have a different point of view. OP mentioned that he enjoys going to junkyard and look for availability of vehicles to fix his own. He enjoys DIY. I am the same way. I think you should get a fixer upper vehicle for cheap that you can then repair and really make your own. 2003-2009 Honda/Acura vehi...

H-Dog

There is a red pocket $30/annual (360 days) plan that gives you 200MB, 200 minutes and 1000 texts every 30 days.

This plan can only be purchased on eBay.

H-Dog

We upsized to two cars when the pandemic was in full force end of April. It has been useful even though I have been working from home. I enjoy doing the repairs and maintenance on our vehicles. This is why we now own two vehicles 10+ years old. Like another poster said. Cheap insurance, registration...

H-Dog

BoomerM3 wrote: ↑Thu Oct 15, 2020 10:40 am I'm an Xfinity customer and not seeing any Apple phones discounted. Can you supply a link?

Thanks.

Looks like it will go live starting tomorrow.

https://slickdeals.net/f/14439479-250-d ... -customers

H-Dog

Tried Visible for a month. Agreed with another poster that the data was extremely slow (webpages took minutes to load) when Verizon normally does not have problems in the same area. Most likely this is specific to my city and it is heavily location dependent. YMMV.

H-Dog

Comcast customers are getting $250 off most iPhones when you stay with xfinity mobile.

H-Dog

I have been using the SE 2020 since this spring when it came out. I replaced my pixel 3 which has been a difficult transition since I love the stock android experience. SE 2020 has been fine for performance, no issues. I wish battery would last longer and screen could be bigger, amoled. Photo night ...

H-Dog

I admit I didn’t read all the responses.

If you want 0 wire fees then go with Fidelity. Obviously there are a lot of other benefits as well.

Free atm also and no cost holding vanguard or fidelity funds.

H-Dog

We are in a similar situation. Mostly Craigslist or IKEA furniture currently and we are in early 30s/ late 20s. I will probably build my own when we move to a next place which will be probably be in 3-4 years. I have built two pieces in the past that I enjoyed. Once I get the tools and space I need ...

H-Dog

I am surprised to see the responses here. I think for us this will be a no brainer. Free same day grocery delivery is what it the service really is. We have done some Walmart pickup which is ok. Then reverted back to Smiths grocery store in person shopping which I hate. Getting groceries in person t...

H-Dog

I have to admit, yes I am being naughty. Maybe I need collective boglehead wisdom. No mortgage + max all tax advantaged accounts which have been automatic. Problem is my taxable account as I cannot auto buy VTI in Fidelity and I am force to log in. I wish I could ask Fidelity to move all balance ove...

H-Dog

After 401k, IRA and HSA everything else goes to taxable invested per pay period, twice a month.

My employer unfortunately does not support mega backdoor roth.. otherwise I would be all over it. I wish that there would additional place we can shelter the funds but it does not appear to be so.

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% ta...

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 ...

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 Fidel...

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...

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