Search found 565 matches

by dkdoy
Thu Feb 17, 2022 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: HSA transfer: Health Equity to Fidelity
Replies: 127
Views: 32375

Re: HSA transfer: Health Equity to Fidelity

Started my Health Equity transfer for Fidelity on Jan 14th and It arrived at Fidelity on Feb 10th. Left 25 dollars in the HE account.
by dkdoy
Wed Feb 02, 2022 6:38 pm
Forum: Personal Consumer Issues
Topic: Motorhome owners, any regrets?
Replies: 74
Views: 9906

Re: Motorhome owners, any regrets?

vanbogle59 wrote: Tue Feb 01, 2022 8:47 am
willthrill81 wrote: Mon Jan 31, 2022 11:27 pm
ktdintex wrote: Mon Jan 31, 2022 8:31 pm And of course motorhomes typically are considerably more expensive than towables, even if you consider the cost of the truck or SUV used to pull it.
That's often the case, but there can be exceptions. We got our 2014 Winnebago Trend with only 21k miles for $52k. Getting an equivalent travel trailer and vehicle large enough to tow it would have cost us at least $70k.

The cost of even used trucks these days boggles my mind. We just saw a small 2014 Nissan 4x4 pickup for sale for $26k. That's an 8 year old truck, and it can't tow much! :shock:
Don't I know it :shock:


https://olivertraveltrailers.com/
just curious..are you an Oliver owner? We considered Oliver but went with the larger Bigfoot.
by dkdoy
Tue Jan 25, 2022 7:46 pm
Forum: US Chapters
Topic: Happy 98th Birthday to Taylor Larimore 🎂🍰🎉🎊❤️🎁⭐️
Replies: 264
Views: 19645

Re: Happy 98th Birthday to Taylor Larimore 🎂🍰🎉🎊❤️🎁⭐️

Happy Birthday Taylor! you have and continue too be an inspiration.
by dkdoy
Wed Jan 12, 2022 7:47 pm
Forum: US Chapters
Topic: Abuss368 has 25,000 posts!!
Replies: 55
Views: 8552

Re: Abuss368 has 10,000 posts!!

Yes, I hope he is doing ok. He was a regular poster for a long time from New York. Also, helping his daughter finish college.
by dkdoy
Wed Jan 12, 2022 7:39 pm
Forum: US Chapters
Topic: Abuss368 has 25,000 posts!!
Replies: 55
Views: 8552

Re: Abuss368 has 10,000 posts!!

love your posts! Also miss hearing from Stemikger..
by dkdoy
Tue Nov 30, 2021 7:55 pm
Forum: Personal Consumer Issues
Topic: Comfortable mattress recommendations?
Replies: 45
Views: 4306

Re: Comfortable mattress recommendations?

We love our Purple hybrid.
by dkdoy
Mon Nov 29, 2021 10:05 pm
Forum: US Chapters
Topic: Searching for Lost Contributors
Replies: 544
Views: 140550

Re: Searching for Lost Contributors

abuss368 wrote: Mon Nov 29, 2021 9:50 pm
GoldenFinch wrote: Mon Nov 29, 2021 7:24 pm It was too bad that Stemikger left after someone criticized him. He was a very frequent contributor.
Stemikger aka Steve used to send me private messages. He enjoyed simplicity and followed Jack Bogle’s recommendation of Vanguard Balanced Index fund.

I miss his thoughts.
Tony
I also enjoyed reading his posts.
by dkdoy
Sun Nov 28, 2021 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Do we need to do anything with our 529s in 2022?
Replies: 20
Views: 2359

Re: Do we need to do anything with our 529s in 2022?

dukeblue219 wrote: Sun Nov 28, 2021 10:39 am
dkdoy wrote: Sun Nov 28, 2021 10:25 am I assume the annual gift transfer amount into the childs name and new contributions to the account are independent of each other? Meaning if I transfer 15k into childs name and contribute another 5k in new contributions for the year would that be acceptable? We are in the exact situation with grade school age child.
You still cannot give your child more than $15k in a year ($16k next year) without filing a form 709.

If you change $15k worth of 529 from your name to your kid's right now, that's your limit for the year. It's a gift just like handing them a check.
Thank you!
by dkdoy
Sun Nov 28, 2021 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Do we need to do anything with our 529s in 2022?
Replies: 20
Views: 2359

Re: Do we need to do anything with our 529s in 2022?

I assume the annual gift transfer amount into the childs name and new contributions to the account are independent of each other? Meaning if I transfer 15k into childs name and contribute another 5k in new contributions for the year would that be acceptable? We are in the exact situation with grade school age child.
by dkdoy
Mon Oct 04, 2021 6:35 pm
Forum: Personal Consumer Issues
Topic: WSJ subscription, inexpensively
Replies: 41
Views: 3967

Re: WSJ subscription, inexpensively

Da5id wrote: Mon Oct 04, 2021 6:30 pm
BogleFan510 wrote: Mon Oct 04, 2021 6:21 pm Funny how a WSJ ad pops up every month or so on this site. Are they paying or donating to the forum for the promotional Ads?
WSJ is of interest to many bogleheads, which is why these threads get responses. Are you accusing the OP of being a shill for the WSJ? Seems unwarranted to me.
+1
by dkdoy
Thu Sep 16, 2021 6:29 pm
Forum: Personal Consumer Issues
Topic: Your Recommendation for New Toilet. New Construction.
Replies: 49
Views: 3839

Re: Your Recommendation for New Toilet. New Construction.

We have the Toto drake and have been very happy.
by dkdoy
Wed Sep 15, 2021 6:59 pm
Forum: Personal Investments
Topic: Dutch bros IPO
Replies: 35
Views: 4161

Re: Dutch bros IPO

They are very popular, very loyal customer base. Upbeat and very personal baristas. I love coffee, but seldom purchase Dutch Bros. Not sure how the growth translate nationwide.
by dkdoy
Fri Sep 03, 2021 8:47 pm
Forum: Personal Consumer Issues
Topic: Best Pickleball Paddle
Replies: 19
Views: 4092

Re: Best Pickleball Paddle

we bought these and have been happy with them.
https://www.costco.com/selkirk-latitude ... 09235.html
by dkdoy
Sun Aug 29, 2021 9:34 am
Forum: Personal Finance (Not Investing)
Topic: 529 for K-12
Replies: 10
Views: 847

Re: 529 for K-12

Looks like you'll need to pay OR income tax on the amount. From a quick look the "no K-12" rule appears to apply to all 529s, not just the Oregon 529. I am not sure I understand this, are you saying, no 529 allows withdrawals for paying K-12 tuition fees ? I don’t think it is correct, check out UTAH plan, it does allow withdrawals for K-12 expenses. It is State Specific, some states allow to use the money for K-12, and some others don't. In the states that disallow (like Oregon), you end up having to pay back any state tax savings you already claimed. With the fidelity account no state tax savings were claimed. The reason for the two accounts is fidelity is tied to the 2% rebate card and we also front loaded it a bit. Thanks for ...
by dkdoy
Sun Aug 29, 2021 9:31 am
Forum: Personal Finance (Not Investing)
Topic: 529 for K-12
Replies: 10
Views: 847

Re: 529 for K-12

Our son is enrolled in private school with tuition being around 20k per year. We have two 529 accounts, one is the Oregon plan which does not allow funds to be used for K-12. The other is the Fidelity plan which does allow up to 10k per year for private K-12 tuition, My question is would the use of the Fidelity plan for K-12 be impacted in any way being a Oregon resident? I have searched online but have been unable to find much about this specific situation. I may be overthinking this but does state law supersede what’s allowed with other state plans? I am thinking about pulling the 10k out and then purchasing Ibonds annually with those funds. Thanks for any insight! Wouldn’t you want your contributions to gain in value first ? If you want...
by dkdoy
Sun Aug 29, 2021 9:21 am
Forum: Personal Finance (Not Investing)
Topic: 529 for K-12
Replies: 10
Views: 847

Re: 529 for K-12

cowdogman wrote: Sun Aug 29, 2021 9:18 am Looks like you'll need to pay OR income tax on the amount. From a quick look the "no K-12" rule appears to apply to all 529s, not just the Oregon 529.

https://www.oregoncollegesavings.com/fa ... 12-tuition

https://www.oregonlive.com/business/201 ... _brea.html

https://springwaterwealth.com/oregon-sa ... e-schools/
Thanks you!
by dkdoy
Sun Aug 29, 2021 8:45 am
Forum: Personal Finance (Not Investing)
Topic: 529 for K-12
Replies: 10
Views: 847

529 for K-12

Our son is enrolled in private school with tuition being around 20k per year. We have two 529 accounts, one is the Oregon plan which does not allow funds to be used for K-12. The other is the Fidelity plan which does allow up to 10k per year for private K-12 tuition, My question is would the use of the Fidelity plan for K-12 be impacted in any way being a Oregon resident? I have searched online but have been unable to find much about this specific situation. I may be overthinking this but does state law supersede what’s allowed with other state plans? I am thinking about pulling the 10k out and then purchasing Ibonds annually with those funds. Thanks for any insight!
by dkdoy
Sun Jun 13, 2021 11:37 pm
Forum: Personal Consumer Issues
Topic: Need to replace a toilet
Replies: 12
Views: 1810

Re: Need to replace a toilet

Highly recommend Toto toilets, installed them in our new construction home and have been very happy.
by dkdoy
Thu Apr 08, 2021 9:45 pm
Forum: Personal Consumer Issues
Topic: Smoker recommendations? Meat, not Marlboro.
Replies: 31
Views: 3790

Re: Smoker recommendations? Meat, not Marlboro.

We have an Xl big green egg, really enjoy the versatility of the egg.
by dkdoy
Wed Mar 17, 2021 5:37 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 260
Views: 30539

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

Enjoy your travels! We also bought and RV and intend to explore and travel as a family. We went with a fiberglass travel trailer, I tell my wife if our marriage can survive backing up a trailer it is bullet proof!
by dkdoy
Mon Mar 01, 2021 9:54 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 3622
Views: 569014

Re: Post your Financial Milestone Announcements Here

Our accounts crossed 2.1 today. Age 52 and 50. Definitely looking forward to an early retirement.
by dkdoy
Mon Mar 01, 2021 9:25 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 3622
Views: 569014

Re: Post your Financial Milestone Announcements Here

willthrill81 wrote: Mon Mar 01, 2021 8:54 pm Our portfolio reached $500k today. Next stop, cool mill. 8-)
Congrats and thanks for your forum contributions!
by dkdoy
Mon Feb 22, 2021 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Private School - financially irresponsible?
Replies: 213
Views: 20912

Re: Private School - financially irresponsible?

Also, Oregon does not allow
by dkdoy
Fri Feb 12, 2021 8:39 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 1071
Views: 204162

Re: Boglehead Beer

Voodoo Rangers have been my go to as of late...
by dkdoy
Mon Feb 08, 2021 7:33 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal (WSJ) Digital Subscription $4.00/month
Replies: 42
Views: 5835

Re: The Wall Street Journal (WSJ) Digital Subscription $4.00/month

vieques wrote: Mon Feb 08, 2021 3:35 pm
Broken Man 1999 wrote: Mon Feb 08, 2021 3:23 pm
BogleFan510 wrote: Mon Feb 08, 2021 1:06 pm I'm really tired of the WSJ ads. I dont feel it is a public service to post links to 'deals` in this discussion forum. Offers are posted almost every week.
The Wall Street Journal and The Economist seem to be read by a lot of BHs. Seeking the best price is very Bogleheadish.
I agree. I was waiting for something like this and just subscribed. Thanks to the OP for sharing!
Thanks for posting...I was waiting for an offer like this.
by dkdoy
Mon Jan 25, 2021 6:57 pm
Forum: US Chapters
Topic: Happy 97th Birthday, Taylor Larimore
Replies: 146
Views: 12468

Re: Happy 97th Birthday, Taylor Larimore

Happy birthday Mr Larimore!

Thank you for your invaluable contributions to this forum.
by dkdoy
Sat Dec 26, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Treadmill
Replies: 39
Views: 3895

Re: Treadmill

We have had great luck with the Sole 80.... agree with the what has been said.
by dkdoy
Sun Dec 20, 2020 3:05 pm
Forum: Personal Investments
Topic: Roast me! ER doctor portfolio
Replies: 156
Views: 26475

Re: Roast me! ER doctor portfolio

Clemblack wrote: Sun Dec 20, 2020 12:35 pm Do you know how you can tell someone on Bogleheads is a doctor?


They'll tell you.
Isn’t that the truth!
by dkdoy
Wed Nov 11, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 34464

Re: Taylor Sends His Best to Fellow Bogleheads

Wishing you a speedy recovery from Oregon, get well soon!
by dkdoy
Thu Oct 29, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: Vacuum recommendations
Replies: 71
Views: 7670

Re: Vacuum recommendations

We love our Miele
by dkdoy
Wed Oct 21, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 9888

Re: New smoker recommendation?

I have a big green egg and a Weber summit charcoal grill/smoker. I like them both but if I had to pick only one I would choose the Weber. All of the benefits of ceramic, with some benefits that you don’t get with the egg.
by dkdoy
Mon Oct 19, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 553
Views: 65395

Re: Items that are worth the money for the quality

Darn tough socks
Big green egg
DeWalt cordless tools
New Balance
Apple
Prime beef
Craft west coast IPA
by dkdoy
Fri Sep 25, 2020 11:44 pm
Forum: Personal Consumer Issues
Topic: Treadmill recommendations
Replies: 43
Views: 4562

Re: Treadmill recommendations

MrCastaway wrote: Fri Sep 25, 2020 3:53 pm Check out Sole f80 or f63. You can test it out at dicks but then order direct. It comes on 2 palettes and weighs close to 300. I did lots of research and ended up with the f80, no regrets. It’s quality
+1....We have a Sole f80 and highly recommend it.
by dkdoy
Thu Sep 24, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 3422

Re: Small Travel Trailer Advise needed

We have a 19’ fiberglass Escape trailer that we tow with a Highlander. The combo works well, have nothing but great things to say about the fiberglass trailers.
by dkdoy
Sat Sep 12, 2020 9:00 pm
Forum: Personal Consumer Issues
Topic: Visiting Oregon Coast
Replies: 22
Views: 3896

Re: Visiting Oregon Coast

I would cancel...very sad what has been happening.
by dkdoy
Tue Aug 04, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: New Toyota Highlander, 2020 vs. 2021
Replies: 58
Views: 5303

Re: New Toyota Highlander, 2020 vs. 2021

cusetownusa wrote: Tue Aug 04, 2020 5:25 pm
dkdoy wrote: Tue Aug 04, 2020 2:46 pm We drove a 2002 highlander for ten years and eventually sold it for nearly 2/3’s of of the original purchase price. It was replaced with a 2012 that we still currently own. The plan will be to buy another in the next couple of years, however, we will keep the 2012 as an extra vehicle for our teenage driver.
How is that possible? I was told that the car would depreciate 1/3 the moment it was driven off the lot. Unless it dropped by 1/3 and then was flat for the next 10 years.

We paid 31k for a new Ltd highlander in 2002 and sold private party for 18k in 2012. Also, it sold the same morning the add was place on craiglist. Really can’t explain it, no complaints on the value of owning it for 10 years.
by dkdoy
Tue Aug 04, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: New Toyota Highlander, 2020 vs. 2021
Replies: 58
Views: 5303

Re: New Toyota Highlander, 2020 vs. 2021

We drove a 2002 highlander for ten years and eventually sold it for nearly 2/3’s of of the original purchase price. It was replaced with a 2012 that we still currently own. The plan will be to buy another in the next couple of years, however, we will keep the 2012 as an extra vehicle for our teenage driver.
by dkdoy
Sun Feb 02, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: Health equity investment fee. High or low?
Replies: 60
Views: 8293

Re: Health equity investment fee. High or low?

I think that the big question is whether doing a transfer is worth saving $120/year. I think it is, although this sizable reduction in fees from HE is still welcome. So we can transfer as many times as we want during the year? Yep. No fees on either end. Besides no fees with Fidelity's HSA, you also get the advantage of a far broader array of investment options, including some that are very low cost, than what HE provides. Can the funds stay invested as they are until the transfer date? I have the Fidelity paperwork for the transfer, just unclear on if they pull from investments or the required 2000 cash account only. Thanks so much Willthrill81! I'm not sure what HE would do, but I suspect that they will pull from the investments first si...
by dkdoy
Sun Feb 02, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Health equity investment fee. High or low?
Replies: 60
Views: 8293

Re: Health equity investment fee. High or low?

I logged into my HE account today and saw that they are lowering the investment fee to 0.03% monthly and capping it at $10 per month. In other words, you hit the cap at $33,333 of investments. Must be in response to all of the people transferring out to Fidelity. That makes it much more reasonable for people who have accumulated large balances. I suppose it's still $120/yr more than it should be, but low enough that it might be worth it to not have to deal with periodic transfers. Anyone else have any opinions about this reduction in fees? I have a large chunk waiting to be invested and am not sure if I should transfer to Fido or just keep it at HEealthEquity. I think that the big question is whether doing a transfer is worth saving $120/y...
by dkdoy
Wed Dec 25, 2019 3:51 pm
Forum: Investing - Theory, News & General
Topic: My Christmas Gift to You Seventy-Five Years Ago
Replies: 74
Views: 8851

Re: My Christmas Gift to You Seventy-Five Years Ago

Thank you Taylor, you are an inspiration to so many.
by dkdoy
Fri Dec 06, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Bike Rack Recommendations for 2” Hitch
Replies: 32
Views: 2932

Re: Bike Rack Recommendations for 2” Hitch

Another vote for Kuat, very happy with it. 1up would also be a great choice.
by dkdoy
Wed Nov 06, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 57
Views: 6524

Re: Amica - Auto Policy, only 6 months

I am in Oregon and they did the same, took the yearly option away.
by dkdoy
Tue Oct 22, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Brisket Recipe
Replies: 19
Views: 3275

Re: Brisket Recipe

I enjoyed Franklins book as well. Have had good luck with brisket on the green egg and had lots of fun in the process!
by dkdoy
Sun Sep 15, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 707
Views: 67899

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Well done OP....very similar numbers and situation for us. Thanks for sharing your story.
by dkdoy
Tue Jul 09, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 154
Views: 17170

Re: Buying a Smoker

I own a XL BGE, recently bought a Weber Summit charcoal grill. I prefer the Weber, very good at smoking and grilling. No desire to ever go back to a gas grill.
by dkdoy
Tue Mar 12, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 9627

Re: Peanut Butter recommendations

We buy Maranatha peanut butter....seems to be high quality.