Search found 75 matches

by H-Dog
Sun Mar 07, 2021 10:44 am
Forum: Personal Finance (Not Investing)
Topic: My bank is closing - should I move all my accounts?
Replies: 12
Views: 920

Re: My bank is closing - should I move all my accounts?

I recommend run, not walk away from BBVA. Really any other bank will be better than them. I have had dozens of accounts at different banks but BBVA was the worst by customer service, available technology and endless calls to just close out our accounts.

Good luck.
by H-Dog
Thu Feb 18, 2021 11:02 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14646

Re: Changes to LastPass free

I migrated to Bitwarden just a few weeks back. I mostly use it on my iPhone and Win 10 machine. It’s really nice. I also did extensive research on which app to use prior to migrating and landed on Bitwarden. Granted, I didn’t use a password manager prior to this. Better late than never migrate. Afte...
by H-Dog
Thu Feb 11, 2021 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage/ anything to be aware of?
Replies: 30
Views: 3398

Re: Paying off mortgage/ anything to be aware of?

Make sure you follow up with your county that the lien was removed after x number of days. Each mortgage company has a different period when they “guarantee” the removal. We are still fighting with the mortgage company to get the lien removed after 7 months from payoff. It was supposed to be 90 day...
by H-Dog
Sat Jan 23, 2021 12:37 pm
Forum: Personal Consumer Issues
Topic: Crawlspace
Replies: 12
Views: 1287

Re: Crawlspace

I encapsulated our crawl space 3 years ago for this very reason- to keep the floors warmer and also feel more comfortable in the home. Humidity for us was not an issue but floors got really cold. There was very old insulation between the floor joists and then the crawl space was ventilated to outsid...
by H-Dog
Sat Jan 23, 2021 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage/ anything to be aware of?
Replies: 30
Views: 3398

Re: Paying off mortgage/ anything to be aware of?

Make sure you follow up with your county that the lien was removed after x number of days. Each mortgage company has a different period when they “guarantee” the removal. We are still fighting with the mortgage company to get the lien removed after 7 months from payoff. It was supposed to be 90 days.
by H-Dog
Sun Jan 17, 2021 9:23 pm
Forum: Personal Consumer Issues
Topic: Apple's Using Up All My Data !
Replies: 46
Views: 4194

Re: Apple's Using Up All My Data !

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...
by H-Dog
Wed Jan 13, 2021 10:15 pm
Forum: Personal Consumer Issues
Topic: Hit and run damage to our home: claim home insurance?
Replies: 8
Views: 1183

Re: Hit and run damage to our home: claim home insurance?

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...
by H-Dog
Wed Jan 13, 2021 4:36 pm
Forum: Personal Consumer Issues
Topic: Hit and run damage to our home: claim home insurance?
Replies: 8
Views: 1183

Re: Hit and run damage to our home: claim home insurance?

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...
by H-Dog
Wed Jan 13, 2021 4:17 pm
Forum: Personal Consumer Issues
Topic: Hit and run damage to our home: claim home insurance?
Replies: 8
Views: 1183

Hit and run damage to our home: claim home insurance?

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...
by H-Dog
Fri Dec 25, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: replacement car key and fob
Replies: 25
Views: 1962

Re: replacement car key and fob

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...
by H-Dog
Mon Dec 07, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Need 2nd car for baby?
Replies: 42
Views: 2376

Re: Need 2nd car for baby?

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 ...
by H-Dog
Thu Nov 12, 2020 11:54 pm
Forum: Personal Consumer Issues
Topic: Google Photos
Replies: 56
Views: 4205

Re: Google Photos

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...
by H-Dog
Thu Nov 12, 2020 11:37 pm
Forum: Personal Consumer Issues
Topic: Justifying Used Car Prices... Do not want to overspend
Replies: 39
Views: 3073

Re: Justifying Used Car Prices... Do not want to overspend

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...
by H-Dog
Wed Nov 04, 2020 11:43 pm
Forum: Personal Consumer Issues
Topic: cell phone plan request (~500 mb/month data only; no voice/text)
Replies: 32
Views: 1586

Re: cell phone plan request (~500 mb/month data only; no voice/text)

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.
by H-Dog
Fri Oct 23, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Downsizing to one car in a pandemic
Replies: 34
Views: 3306

Re: Downsizing to one car in a pandemic

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...
by H-Dog
Thu Oct 15, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Great iPhone deals?
Replies: 16
Views: 1871

Re: Great iPhone deals?

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
by H-Dog
Thu Oct 15, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 30
Views: 4201

Re: Visible wireless. Any experience?

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.
by H-Dog
Thu Oct 15, 2020 10:22 am
Forum: Personal Consumer Issues
Topic: Great iPhone deals?
Replies: 16
Views: 1871

Re: Great iPhone deals?

Comcast customers are getting $250 off most iPhones when you stay with xfinity mobile.
by H-Dog
Thu Oct 15, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: IPhone SE has been around a little while now, so what's the verdict?
Replies: 46
Views: 3867

Re: IPhone SE has been around a little while now, so what's the verdict?

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 ...
by H-Dog
Sat Oct 10, 2020 8:49 pm
Forum: Personal Investments
Topic: Chase Private Client -- Worth it to hold Vanguard Funds?
Replies: 45
Views: 23821

Re: Chase Private Client -- Worth it to hold Vanguard Funds?

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.
by H-Dog
Sat Oct 10, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 114
Views: 11231

Re: "Nice" furniture recommendations

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 ...
by H-Dog
Sun Sep 06, 2020 11:41 pm
Forum: Personal Consumer Issues
Topic: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?
Replies: 122
Views: 8867

Re: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?

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...
by H-Dog
Thu Aug 27, 2020 12:29 pm
Forum: Investing - Theory, News & General
Topic: Whose being naughty and keeping some dry powder around?
Replies: 110
Views: 9561

Re: Whose being naughty and keeping some dry powder around?

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...
by H-Dog
Thu Aug 20, 2020 9:36 pm
Forum: Personal Investments
Topic: How often are you adding to taxable accounts?
Replies: 78
Views: 5159

Re: How often are you adding to taxable accounts?

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.
by H-Dog
Wed Aug 05, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Luddite looking for smartphone recommendations
Replies: 21
Views: 1449

Re: Luddite looking for smartphone recommendations

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.
by H-Dog
Sat Aug 01, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: How long to keep a car
Replies: 110
Views: 9142

Re: How long to keep a car

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...
by H-Dog
Tue May 12, 2020 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: $5k - $7k to replace engine, or get something else? (loan on car)
Replies: 109
Views: 7283

Re: $5k - $7k to replace engine, or get something else? (loan on car)

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.
by H-Dog
Tue Apr 21, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4574

Re: Anybody here pay less than $40 a month for home internet and with what company?

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.
by H-Dog
Mon Apr 20, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: Pixel 3a or Wait for New Iphone?
Replies: 35
Views: 1724

Re: Pixel 3a or Wait for New Iphone?

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...
by H-Dog
Sun Apr 19, 2020 10:55 pm
Forum: Personal Consumer Issues
Topic: Porting a cell phone number to google voice?
Replies: 13
Views: 1165

Re: Porting a cell phone number to google voice?

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.
by H-Dog
Sun Apr 19, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4680

Re: Replacement for 4Runner

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.
by H-Dog
Tue Apr 14, 2020 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 30346

Re: [Government stimulus payments]

We got ours today. $2900.

We had a baby last year and filed for 2019 taxes in February.
by H-Dog
Wed Mar 18, 2020 11:40 pm
Forum: Personal Consumer Issues
Topic: DIY CV axle replacement -any tips from BH who have done this?
Replies: 17
Views: 1019

Re: DIY CV axle replacement -any tips from BH who have done this?

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...
by H-Dog
Tue Mar 17, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: DIY CV axle replacement -any tips from BH who have done this?
Replies: 17
Views: 1019

Re: DIY CV axle replacement -any tips from BH who have done this?

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 ...
by H-Dog
Mon Mar 09, 2020 10:40 pm
Forum: Investing - Theory, News & General
Topic: Are any early accumulators thankful for the current correction?
Replies: 185
Views: 10507

Re: Are any early accumulators thankful for the current correction?

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 ...
by H-Dog
Fri Feb 21, 2020 3:41 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1120
Views: 141313

Re: [Fidelity Health Savings Account Mega-Thread]

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...
by H-Dog
Sun Jan 05, 2020 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Relative tax efficiency
Replies: 6
Views: 1000

Re: Relative tax efficiency

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...
by H-Dog
Sun Jan 05, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Relative tax efficiency
Replies: 6
Views: 1000

Re: Relative tax efficiency

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 ...
by H-Dog
Sun Jan 05, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Relative tax efficiency
Replies: 6
Views: 1000

Relative tax efficiency

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...
by H-Dog
Thu Dec 26, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Narrowing down where to live
Replies: 55
Views: 5685

Re: Narrowing down where to live

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 ...
by H-Dog
Tue Apr 02, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Installing Hitch on my Subaru Outback
Replies: 51
Views: 5218

Re: Installing Hitch on my Subaru Outback

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 ...
by H-Dog
Thu Jan 31, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Another HSA vs PPO w/ Expected baby in 2019
Replies: 10
Views: 1193

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

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.
by H-Dog
Thu Jan 31, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Another HSA vs PPO w/ Expected baby in 2019
Replies: 10
Views: 1193

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

Thank you. This is very helpful.
by H-Dog
Wed Jan 30, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Another HSA vs PPO w/ Expected baby in 2019
Replies: 10
Views: 1193

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

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...
by H-Dog
Mon Dec 03, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3874

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: 4879

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: 4056

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: 3874

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: 4056

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.