Search found 215 matches

by Hiker-Biker
Wed Apr 14, 2021 12:29 pm
Forum: Personal Consumer Issues
Topic: Navy Federal CU Online Site Down
Replies: 9
Views: 659

Re: Navy Federal CU Online Site Down

No issues logging in using the app.
by Hiker-Biker
Thu Mar 25, 2021 10:38 am
Forum: Personal Consumer Issues
Topic: Help me DIY bath remodel
Replies: 51
Views: 2922

Stain removal Re: Help me DIY bath remodel

hicabob wrote: Wed Mar 24, 2021 1:50 pm Try an acid based toilet cleaner to get off calcium, iron, and other hard water deposits. Let it sit overnight.
I have a Toto toilet that I suspect the glazing was poorly applied at the bottom. Is the acid treatment applied with water in the bowl or emptied?
by Hiker-Biker
Sat Feb 27, 2021 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Wiring money from Vanguard?
Replies: 9
Views: 797

Re: Wiring money from Vanguard?

Call Vanguard and ask them. I had a mortgage pay off wired to my servicing company last year. I was asked to provide the account information for the receiving bank and to verify the information provided to VG was correct. After I gave my verbal affirmation, the wire was sent. I did wait nervously fo...
by Hiker-Biker
Tue Feb 23, 2021 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Tax filing tips
Replies: 30
Views: 3486

Re: 2020 Tax filing tips

Thanks for the tip on IP Filing PINs - I wanted to get one, but couldn't in the past since I have not been an identity theft victim.
by Hiker-Biker
Fri Jan 08, 2021 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA Questions
Replies: 10
Views: 743

Re: Federal Employee HSA Questions

Federal employee here (Dept. of Interior). I just switched from a non-HDHP to a HDHP (GEHA) during this past open season, and could use some help clarifying a couple things: 1) My HSA account has been established (via HSA Bank), however, my HDHP is effective as of Jan 3rd, 2021. Since I was not cov...
by Hiker-Biker
Tue Jan 05, 2021 6:58 am
Forum: Personal Investments
Topic: Back door Roth help
Replies: 4
Views: 342

Re: Back door Roth help

Bizarre. I used existing money from my VG settlement account to fund a back door Roth yesterday and I had no issues.
by Hiker-Biker
Mon Dec 28, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Vehicle quality (the real data, not anecdotes)
Replies: 139
Views: 9226

Re: Vehicle quality (the real data, not anecdotes)

Happy Hyundai driver here, I didn't see Mazda mentioned, but last I heard they were the surprising #1 in reliability according to Consumer Reports 2020, who moved Toyota down to #2 Tesla has always been 'problematic' as far as I've heard https://abcnews.go.com/Business/wireStory/mazda-consumer-repo...
by Hiker-Biker
Mon Dec 07, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: is it ok to download Big Sur for MAC yet??
Replies: 47
Views: 3916

Re: is it ok to download Big Sur for MAC yet??

JMacDonald wrote: Mon Dec 07, 2020 6:42 pm I installed it on my mid 2013 MacBook Air on the first day with no issues.
+1 - same MBA. I don’t like that top menu icons are smaller though.
by Hiker-Biker
Sun Dec 06, 2020 9:27 pm
Forum: Personal Consumer Issues
Topic: Saving $ on my coffee habit
Replies: 95
Views: 6084

Re: Saving $ on my coffee habit

Less than 10 Starbucks purchases in my lifetime. I use a simple Mr. Coffee drip coffee maker (ten or more years old) and the 3 lb cans of Costco Medium Roast Colombian coffee. It works for my wife and I.
by Hiker-Biker
Fri Dec 04, 2020 4:26 pm
Forum: Personal Investments
Topic: Does conversion from MF to ETF matter?
Replies: 14
Views: 989

Re: Does conversion from MF to ETF matter?

If I made the conversion, I just don’t understand about the bid/ask spread and how that would affect me. When I say I buy and hold, I mean for years I hold. I don’t plan on making any changes for foreseeable future. But come that day years from now, if I had ETF’s, should I be concerned about bid/a...
by Hiker-Biker
Sun Nov 29, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: Food Safety -- Let Me Have It!
Replies: 37
Views: 3671

Re: Food Safety -- Let Me Have It!

One trick to determine if there were freeze/thaw cycles, is to place a coin on top of an ice cube your ice cube tray. If the coin ends up at the bottom after a power outage, then you have to decide whether to toss your food. If your refrigerator has temperature monitors or you have a thermometer in ...
by Hiker-Biker
Sun Nov 29, 2020 11:19 am
Forum: Personal Investments
Topic: Health Insurance: Not able to decide between HDHP/HSA and PPO
Replies: 19
Views: 1472

Re: Health Insurance: Not able to decide between HDHP/HSA and PPO

I ran the numbers using HSA 2021 Limits for Married - $7200 Using your premium figures. COVA PPO + dental Annual premium $4,212 Maximum out of pocket $3000 Total Costs $7212 COVA HDHP + Dental Annual Premium $1056 Max Out of pocket $10,000 Total Costs before HSA contribution $11,056 $7200 HSA Contr...
by Hiker-Biker
Sat Nov 28, 2020 8:10 pm
Forum: Investing - Theory, News & General
Topic: Please help find Vanguard Transition Tab!!
Replies: 22
Views: 1684

Re: Please help find Vanguard Transition Tab!!

Wow! I converted my account three years ago and my wife's two years ago and no issues. I'm not sure what's going on with VG's technology nowadays. :shock: I had to call them when I was trying to tax loss harvest multiple lots because there were no lots to pick using a Mac. Seriously? I had no probl...
by Hiker-Biker
Sat Nov 28, 2020 8:06 pm
Forum: Personal Investments
Topic: Health Insurance: Not able to decide between HDHP/HSA and PPO
Replies: 19
Views: 1472

Re: Health Insurance: Not able to decide between HDHP/HSA and PPO

I ran the numbers using HSA 2021 Limits for Married - $7200 Using your premium figures. COVA PPO + dental Annual premium $4,212 Maximum out of pocket $3000 Total Costs $7212 COVA HDHP + Dental Annual Premium $1056 Max Out of pocket $10,000 Total Costs before HSA contribution $11,056 $7200 HSA Contri...
by Hiker-Biker
Sat Nov 28, 2020 7:05 pm
Forum: Investing - Theory, News & General
Topic: Please help find Vanguard Transition Tab!!
Replies: 22
Views: 1684

Re: Please help find Vanguard Transition Tab!!

Wow! I converted my account three years ago and my wife's two years ago and no issues. I'm not sure what's going on with VG's technology nowadays. :shock: I had to call them when I was trying to tax loss harvest multiple lots because there were no lots to pick using a Mac.
by Hiker-Biker
Sat Nov 28, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: 1040X E-File Update - 2019 H & R Block ?
Replies: 4
Views: 396

Re: 1040X E-File Update - 2019 H & R Block ?

Other tax software had previously taken advantage of the August 2020 IRS announcement allowing e-filing of (2019) amended returns. E.g., on 9/24/2020 TaxSlayer ACTIVATED 1040-X FOR ELECTRONIC FILING of 2019 returns. When the IRS is back in full operation accepting returns in January 2021, you may w...
by Hiker-Biker
Fri Nov 27, 2020 12:10 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33477

Re: H&R Block 2020 software offer

Thanks for the Newegg link. I think this was the least I paid for the Deluxe version ever.
by Hiker-Biker
Thu Nov 26, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: 1040X E-File Update - 2019 H & R Block ?
Replies: 4
Views: 396

Re: 1040X E-File Update - 2019 H & R Block ?

I tried to install the update and the message was my software did not require an update. So it appears that HRB will not be updating their software to allow e-filing amended returns. F/U question. Is the IRS requirement to use Registered Mail have a legal record that a return was received? I have be...
by Hiker-Biker
Thu Nov 26, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: 1040X E-File Update - 2019 H & R Block ?
Replies: 4
Views: 396

1040X E-File Update - 2019 H & R Block ?

Has anyone been able to get an upgrade to allow e-filing amended returns? My Deluxe version says no further updates are planned. I went to H & R Block's website and downloaded an update file for 2019 Deluxe and I am wondering if this update includes the e-file option. Asking here before I instal...
by Hiker-Biker
Fri Oct 16, 2020 8:44 am
Forum: Personal Investments
Topic: Silly questions about Vanguard's "tiers"
Replies: 39
Views: 6088

Re: Silly questions about Vanguard's "tiers"

OTOH, it really doesn't matter since nobody gets anything especially useful from Vanguard no matter what tier they are in. +1 FWIW, I’m at the Flagship Select level. I’ve haven't experienced any special service. 100 free trades would take me a lifetime; I do have an assigned representative, but I s...
by Hiker-Biker
Sat Oct 03, 2020 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Any suburban SFH investors selling out? [Single Family Home]
Replies: 35
Views: 4240

Re: Any suburban SFH investors selling out?

I would like to downsize and now is the time to sell because there is an influx of out-of-staters buying mid- to high-end, plus locals playing musical chairs. It's insane. We could sell in a heartbeat. But everything I look at to buy has that horrible vaulted ceilings, open concept design or remudd...
by Hiker-Biker
Mon Sep 28, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Getting the most out of Vanguard Rep
Replies: 8
Views: 1243

Re: Getting the most out of Vanguard Rep

I recently used a Flagship Rep to wire mortgage payoff funds to my lender since there is no way of doing it online without using ACH transactions to my bank and then another ACH to the lender. It took two phone calls to VG - the first rep asked if the lender's account was a checking or savings so I ...
by Hiker-Biker
Thu Sep 24, 2020 11:38 pm
Forum: Personal Investments
Topic: 1st Time Transferring Stock to DAF
Replies: 12
Views: 642

Re: 1st Time Transferring Stock to DAF

^You did not state how you treated the short-term shares in the deduction. Does Fidelity put that info on the form it sent you? That is, did they break out the short-term shares and treat them differently than the long-term shares? I have a Fidelity DAF, but have only donated long-term shares. No, ...
by Hiker-Biker
Thu Sep 24, 2020 8:34 pm
Forum: Personal Investments
Topic: About to retire and looking for consolidation/asset allocation suggestions
Replies: 18
Views: 1920

Re: About to retire and looking for consolidation/asset allocation suggestions

Once all this has been completed, you might consider doing some small Roth Conversions of your 401(k)/IRA assets up to the top of the 22% bracket to reduce your RMD taxes in the future.
by Hiker-Biker
Thu Sep 24, 2020 8:11 pm
Forum: Personal Investments
Topic: 1st Time Transferring Stock to DAF
Replies: 12
Views: 642

Re: 1st Time Transferring Stock to DAF

I worded this incorrectly. I am contributing all of the shares I hold to the DAF. I have held these stocks for over 10 years and I don't think the short-term holdings amount to much. I believe that will be that is the simplest way to handle it. You will have to make adjustments on your tax return f...
by Hiker-Biker
Mon Sep 21, 2020 12:08 am
Forum: Personal Consumer Issues
Topic: Google voice device ?
Replies: 25
Views: 1607

Re: Google voice device ?

While I use GV for one number, my main home number is with Voip.ms, which is another VoIP service that costs me almost nothing and is standards-based unlike Google Voice. Once a year I put $20 in my account and don't think about it again until next year. Using it with the Obi202. However... if you ...
by Hiker-Biker
Sun Sep 20, 2020 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 15132

Re: Paying off sub 4% mortgage interest rate early

To the poster who paid of the mortgage with proceeds from VWALX...did you still retain the "stub" position of VWALX post-mortgage pay-off? Considering the same strategy and wondering who else out there utilizes VWALX as part of their long term taxable AA (and what the optimal % exposure o...
by Hiker-Biker
Fri Sep 18, 2020 2:59 pm
Forum: Personal Investments
Topic: Extra $180/Month after Refinance. Where does it go?
Replies: 22
Views: 2529

Re: Extra $180/Month after Refinance. Where does it go?

Start funding your kids 529 college savings plans?
by Hiker-Biker
Fri Sep 18, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Condo rich vs house poor?
Replies: 56
Views: 5254

Re: Condo rich vs house poor?

If you have access to The Wall Street Journal, there’s an interesting article about being house rich and cash poor and how big investors are buying and leasing back homes to sellers that don’t want to move. https://www.wsj.com/articles/millions-are-house-rich-but-cash-poor-wall-street-landlords-are-...
by Hiker-Biker
Thu Sep 17, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Condo rich vs house poor?
Replies: 56
Views: 5254

Re: Condo rich vs house poor?

$66k in annual housing costs? What if you sold the condo and get the $400k tax free gain and rent a 3 or 4 bedroom apartment until you save up more for a down payment? The housing market could go down too.
by Hiker-Biker
Wed Sep 16, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14288

Re: Is this guy trying to scam me on a car I'm selling?

I hope you're having fun with this. It makes some interesting reading. :shock: I had a guy get angry with me when I kept asking questions and not making a commitment to do business with him - obviously a scam. Then there were the lowball offers I got from dealers that troll Craigslist. I told one gu...
by Hiker-Biker
Tue Sep 15, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 15132

Re: Paying off sub 4% mortgage interest rate early

This thread inspired me to initiate a payoff to our 3.5% 30 year mortgage that we obtained in 2013. Our muni bonds are not earning much so I decided that a portion in Hi-yield (VWALX) would be used to payoff the loan to decrease our bond risk. By tomorrow, we will be debt free!
by Hiker-Biker
Fri Sep 11, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: FEDVIP [Federal Employees Dental and Vision Insurance Program]
Replies: 27
Views: 2673

Re: FEDVIP

Metlife does pay for other services if the only reason they didn't pay out before is because your FEHB paid it. For example, I have GEHA HDHP which pays 100% on preventative. That means if I go for my regular visit, GEHA pays the dentist's full charge of $115 (my dentist is OON for GEHA). Metlife's...
by Hiker-Biker
Fri Sep 11, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Sent me a check I am not expecting - what should I do?
Replies: 22
Views: 3274

Re: IRS Sent me a check I am not expecting - what should I do?

Cashing the check is an offense. Unfortunately, someone has filed a fraudulent return under your social security number. Follow all Identity Fraud steps on IRS page and freeze your accounts. Exact same thing happened to me when using TurboTax online. I now file with an IRS pin. Why would a fraudule...
by Hiker-Biker
Wed Sep 09, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Vanguard 'new account' crashed just before completion
Replies: 6
Views: 612

Re: Help! Vanguard 'new account' crashed just before completion

Not resolved, but apparently didn't go through. Checked w/ vanguard and bank. Thanks! Resubmitted with a different browser and all was ok. I'm using Chrome with a Yubico key for 2-Factor authentication. For that, you can't use Firefox with the key and I haven't tested Safari (I have a Mac). A month...
by Hiker-Biker
Wed Sep 09, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Fridge not cooling properly
Replies: 17
Views: 1053

Re: Fridge not cooling properly

I have a GE Profile Arctica Top Freezer refrigerator that was purchased in 2003. It exhibited the same symptoms the OP described about 5 years later, outside the warranty period. A tech replaced the mother-board at 1/3 the initial cost of the refrigerator. If I had just paid the diagnosis fee, it w...
by Hiker-Biker
Wed Sep 09, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2367

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

I'm going through the setup. It is forcing me to put money into the Money Market Settlement account. So it seems impossible to just buy later with a direct bank withdrawal, one _must_ go through this holding account? If that's the case, set up a bank account in the account maintenance menu and ACH ...
by Hiker-Biker
Wed Sep 09, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 76
Views: 5616

Re: Repair plasma television or get new TV?

I have a 42" Panasonic Plasma purchased in 2005 for a whopping $2700. Unfortunately, it has not died yet, so not upgrading unless we move for retirement. 8-)
by Hiker-Biker
Wed Sep 09, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home at a loss
Replies: 55
Views: 6160

Re: Selling home at a loss

[/quote] I should clarify this. The neighbourhood is bad not in terms of people / homeless moving in. It is just not nice enough with good access to stores, good day cares and schools. I see a many lower priced homes too (more in comparison to the higher priced homes which are also there) in the zip...
by Hiker-Biker
Wed Sep 09, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: Fridge not cooling properly
Replies: 17
Views: 1053

Re: Fridge not cooling properly

I have a GE Profile Arctica Top Freezer refrigerator that was purchased in 2003. It exhibited the same symptoms the OP described about 5 years later, outside the warranty period. A tech replaced the mother-board at 1/3 the initial cost of the refrigerator. If I had just paid the diagnosis fee, it wo...
by Hiker-Biker
Mon Aug 03, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 165
Views: 9209

Re: What Car Maintenance Do You Do?

The key is that lug nuts should spin freely by hand and only need to be hand torqued to specifications. Impact torque wrenches should really only be used to loosen lug nuts. Yet time is money and most shops use them for both. The torque settings on impact wrenches are notoriously unreliable. If the...
by Hiker-Biker
Sun Aug 02, 2020 11:03 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 165
Views: 9209

Re: What Car Maintenance Do You Do?

For good wheels, I'll pay for that, but I always bring in just the wheels as I don't need some clown torquing the wheels to a bazillion foot pounds, requiring wheel stud replacements next time I try to remove the wheels. Hmm, what are the signs you need wheel stud replacements? Last year's state in...
by Hiker-Biker
Thu Jul 30, 2020 10:43 pm
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 47
Views: 4479

Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again

Yes, I have checkwriting privileges on my Vanguard Brokerage Account. Specifically I have checkwriting on my TIRA settlement fund. However, since I seldom have funds in my settlement fund, I have added an alternative redemption fund, my Short-term Treasury Index fund. Close enough to cash for me. I...
by Hiker-Biker
Thu Jul 30, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?
Replies: 79
Views: 4199

Re: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?

Debit card linked to a separate checking account for international travel, only to obtain local currency. This checking account only has enough funds for the trip in case the debit card is compromised. Otherwise, credit cards only for all spending where credit is accepted.
by Hiker-Biker
Wed Jul 15, 2020 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help choosing federal health insurance
Replies: 51
Views: 3612

Re: Help choosing federal health insurance

Go to GEHA's website and download the 2020 plan information. That's the easiest way to verify what out of network costs are.
by Hiker-Biker
Sun Jul 12, 2020 10:32 pm
Forum: Personal Consumer Issues
Topic: How to Get Rid of an Old Car
Replies: 40
Views: 3622

Re: How to Get Rid of an Old Car

Once, i donated a car to the local community college so the ones taking auto technician classes could work on it. I drove it over to the college, signed over the title, and a friend drove me home.
by Hiker-Biker
Sun Jul 12, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: Travelling to Fort Myers
Replies: 6
Views: 876

Re: Travelling to Fort Myers

You might ask on the City-Data forum site: https://www.city-data.com/forum/fort-my ... oral-area/
by Hiker-Biker
Fri Jul 10, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Looking to negotiate a price reduction for a vitamin D test invoiced about triple or quadruple the going rate
Replies: 12
Views: 1555

Re: Looking to negotiate a price reduction for a vitamin D test invoiced about triple or quadruple the going rate

I cannot provide any advice on negotiating the price. However, once my Vitamin D deficiency was controlled by taking daily Vitamin D 2000 IU supplements, my primary care physician and I agreed that testing was no longer necessary as insurance did not cover it.
by Hiker-Biker
Thu Jul 09, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Walk or taxi to bus stop to get to the airport?
Replies: 66
Views: 3322

Re: Walk or taxi to bus stop to get to the airport?

OP - I assume you're retired. What city in Florida did you retire to, if you don't mind saying. No but I work for myself. This house is in Sarasota. Ah, I haven't visited this area of FL. Not sure I would retire in FL with the flat terrain, humidity, hurricanes, and lots of retirees. I plan to visi...
by Hiker-Biker
Thu Jul 09, 2020 7:24 pm
Forum: Personal Consumer Issues
Topic: Walk or taxi to bus stop to get to the airport?
Replies: 66
Views: 3322

Re: Walk or taxi to bus stop to get to the airport?

This thread is funny. We're thinking about escaping the DC area humidity for Wisconsin where we have some friends. It's a 750+ mile drive/11 hrs, 40 mins with no stops. Looks like flying is the best alternative. We have used Uber here and in Africa. It works. OP - I assume you're retired. What city ...