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Re: New car safety features

I have the Subaru Eyesight system and love it. The adaptive cruise control is amazing, not only on clear days, but even in bad weather. We bought a Forester last year with Eyesight, and this is one safety feature you can use for almost the whole drive! If you're on a long highway trip, you can just...
by harikaried
Wed Jan 28, 2015 3:21 am
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3692

Re: New Home: All cash or mortgage?

If the OP has good credit, why not take out a loan with a lot of negative points, i.e., cash back from lender based on loan amount, to cover closing costs and principal curtailment. Then pay off the loan?
by harikaried
Mon Jan 19, 2015 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Home: All cash or mortgage?
Replies: 21
Views: 1797

Re: how much do I save if I buy house with cash?

Why not get a mortgage with no closing costs The no-closing-cost usually comes from a rate-buy-up where lender charges a higher interest rate for some negative amount of points. For example, if we start with a 3% loan with 1 point (pay $1000 = 1% of a $100k loan). You might be able to get a loan fo...
by harikaried
Mon Jan 19, 2015 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: how much do I save if I buy house with cash?
Replies: 11
Views: 1483

Re: A refinance example that doesn't work?

Original loan: $158,000, 5.25% fixed, 20 year, first payment 11/1/2003. As of 2/1/15, 105 payments left (8.75 years) to payoff in Oct 2023. Refi: $89500, 3.75% fixed, 15 year, $2250 closing costs, first payment 2/1/2015 (75 additional payments beyond current loan). Payoff in Jan 2030. Assuming orig...
by harikaried
Fri Jan 16, 2015 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: A refinance example that doesn't work?
Replies: 10
Views: 1086

Mutual fund redemption fees always FIFO?

I was doing some research on whether recent mutual fund purchases or reinvested dividends would trigger Schwab Funds' 2% redemption fee as I received conflicting information from Schwab's chat support (one said redemption fees considers the same shares used for cost basis and another said always FIF...
by harikaried
Wed Jan 07, 2015 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual fund redemption fees always FIFO?
Replies: 0
Views: 265

Re: Pay $5k taxes to pay off $75k mortgage?

Instead of paying off the mortgage then just start directing monthly savings to international now. Looking back to what we did with extra savings before focusing on 529s, we had enough in brokerage to pay off the mortgage but decided to refinance to an ARM and invest in taxable. We could just conti...
by harikaried
Fri Jan 02, 2015 5:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay $5k taxes to pay off $75k mortgage?
Replies: 9
Views: 1149

Re: Pay $5k taxes to pay off $75k mortgage?

Just to be certain are you saying that you are going to sell off $75K in a taxable account with a cost basis of $45K so the gain is $30K? Roughly -- these are rounded. And the $75k is after taxes, so actually selling $80k with $30k gains. If international stocks had a great year, then I would say p...
by harikaried
Thu Jan 01, 2015 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay $5k taxes to pay off $75k mortgage?
Replies: 9
Views: 1149

Re: Pay $5k taxes to pay off $75k mortgage?

Your mortgage will adjust in 2 years which means it will probably go higher. You can be mortgage free and then direct those payments back into investments. Your other assets are solid. Yup, and with the adjusting higher, the potential "returns" would be higher as well. A big question is a...
by harikaried
Thu Jan 01, 2015 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay $5k taxes to pay off $75k mortgage?
Replies: 9
Views: 1149

Pay $5k taxes to pay off $75k mortgage?

Should we sell $30k of taxable gains paying $5k in LTCG-tax to have $75k to pay off our 2.6% mortgage, which would adjust every year starting 2 years from today? Assuming this was a plain 2.6%-fixed mortgage with $600/mo payments, the remaining $75k principal would take 12 years to pay off, so the $...
by harikaried
Thu Jan 01, 2015 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay $5k taxes to pay off $75k mortgage?
Replies: 9
Views: 1149

Re: What is a move-up car after mid-size sedan?

The camera or radar operated safety features such as blind spot detection/emergency braking/ smart cruise control/ etc. pique my interest and I intend to get them on my next vehicle. Subaru, Volvo and Mbz seem to be leading the charge in that respect. One way to find cars with that type of technolo...
by harikaried
Mon Dec 15, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4174

Re: What is like a bond but is only taxed at long term gains

Spirit Rider wrote:A long term zero coupon municipal bond of your home state would have a tax-free payment at maturity.
nooboglebrain, if you're okay with no tax instead of taxed as long-term, municipal bonds would be a good option.
by harikaried
Mon Dec 01, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is like a bond but is only taxed at long term gains.
Replies: 11
Views: 1340

Re: Holding S&P 500 Index vs Total Stock Market?

I've been tempted to just put it in a total stock market fund (SCHB - Schwab Total Stock Market), but have also been strongly considering putting all of my US equity allocation in SWPPX, which is the Schwab mutual fund that imitates the S&P 500. It sounds like you're trying to decide between 1)...
by harikaried
Mon Dec 01, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Holding S&P 500 Index vs Total Stock Market?
Replies: 18
Views: 1891

Re: 2015 Suburu Outback

On the 2015 Forester Premium, the only additional option to get eyesight is the AWP, something I was going to get anyways. The 2015 Outback Premium also has an option package with Eyesight and without navigation #14- Eyesight, side/rear radar system, Power gate $1,695. I suppose to be complete: 201...
by harikaried
Tue Nov 04, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 5883

Re: Liquidating some pre-Vanguard assets, need advice

2) What is the money in the taxable account for? It's to a) cover shortfalls in college accounts if/when they exist (which is not an issue for a while, as oldest child is only 11); ... 529 Plans Child 1 $10k Child 2 $8k I'm not sure why 529s aren't prioritized more around here, but your situation d...
by harikaried
Sun Nov 02, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Liquidating some pre-Vanguard assets, need advice
Replies: 66
Views: 4325

Re: Pay taxes now to pay less taxes later

So, you have $11K in a taxable account, would sell (pay cap gain tax), to rush and "fully-fund" [say] $5.5K Roth IRA and $5.5K 529. Yes, but it could be much more than $11k. Two parents with two children have 2 Roth IRAs and 2 529s (4x gift exemption) = 2 x ($5500 + 2 x $14,000) = $67,000.
by harikaried
Fri Oct 31, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Pay taxes now to pay less taxes later
Replies: 7
Views: 1493

Re: Pay taxes now to pay less taxes later

So if your question is whether to use monthly income(Already taxed) or LTCG(Selling taxable investments to fund a Roth/529?), then you are better off using the monthly income. Just for the Roth, LTCG on $5500 at 15% would be $825. The Roth would have to increase by over 15% in one year just to brea...
by harikaried
Fri Oct 31, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Pay taxes now to pay less taxes later
Replies: 7
Views: 1493

Pay taxes now to pay less taxes later

Assuming: ⋅ one has regular monthly income that would go to taxable or Roth IRAs/529s ⋅ long-term capital gains now and later would be 15% ⋅ market tends to increase One should pay LTCG taxes by realizing gains to fully fund Roth IRAs/529s immediately instead of waiting...
by harikaried
Fri Oct 31, 2014 6:50 am
 
Forum: Investing - Theory, News & General
Topic: Pay taxes now to pay less taxes later
Replies: 7
Views: 1493

Re: Tax gain harvest smaller gains from taxable to fund 529s

you can put new money into a 529 over time instead of increasing your taxable portfolio. This got me thinking that what I was suggesting is not much different from selling taxable gains to fund a Roth IRA. Although a Roth IRA is limited to $5.5k and potentially easier to divert monthly savings to t...
by harikaried
Sat Oct 18, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvest from taxable to fund 529s / Roth IRAs?
Replies: 3
Views: 364

Re: Smartphone questions

Also curious if anybody has just bought "too much phone" and would do it differently, and why? I'm pleasantly surprised at all the responses that mention ting.com, but it's a great approach to avoiding buying "too much phone plan." The popular carriers tend to focus on unlimited...
by harikaried
Fri Oct 17, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10386

Re: Tax gain harvest smaller gains from taxable to fund 529s

avalpert wrote:I wouldn't, don't really see an advantage to paying taxes now that can be deferred for later
But what's the cutoff of what's allowable? If there's any tax, then it's a definite no-go? E.g., 1¢ of LTCG results in 0.15¢ of tax. And in that case, does it matter if 1¢ is actually 1% gain or 10% gain?
by harikaried
Fri Oct 17, 2014 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvest from taxable to fund 529s / Roth IRAs?
Replies: 3
Views: 364

Tax gain harvest from taxable to fund 529s / Roth IRAs?

We have some unrealized taxable gains on total international equity index funds. Up until last month, they were around 40% long-term gains, but now they're at 20% gains. Assuming we want to fund 529s to grow for 20 years (we don't have kids yet), does it make sense to sell those now-smaller gains an...
by harikaried
Thu Oct 16, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvest from taxable to fund 529s / Roth IRAs?
Replies: 3
Views: 364

Re: Who should regularly contribute to taxable investments?

As someone that plans to have kids soon jamming the max in a 529 doesn't seem to make much sense. I know tuition costs keep going up but there's a limit and I assume I'll make some investment gains in contributions. Putting the "max" for a 529 as soon as possible is the similar argument f...
by harikaried
Wed Oct 15, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3908

Re: Treat all accts as 1 BIG account for AA or target 70/30

Sounds like you're looking for how to implement an AA across accounts based on tax and growth properties of equities vs bonds:

Principles of tax-efficient fund placement
Tax-adjusted asset allocation
by harikaried
Wed Oct 15, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treat all accts as 1 BIG account for AA or target 70/30 each
Replies: 7
Views: 921

Re: Who should regularly contribute to taxable investments?

[*]invest in tax advantaged education accounts - no kids Curious, do most people who regularly contribute to taxable investments fall into ⋅ don't have or don't plan to have kids (one can open 529 in own name long before kids) ⋅ won't pay for kids' education ⋅ already ...
by harikaried
Tue Oct 14, 2014 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3908

Re: Who should regularly contribute to taxable investments?

"Three quarters of American families donate to charity, giving $1,800 each, on average." CBS News . I would assume this happen for many as part of "pay expenses," i.e., before any usage of tax advantaged accounts. There's nothing particularly wrong with donating especially if a ...
by harikaried
Tue Oct 14, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3908

Re: Who should regularly contribute to taxable investments?

Perhaps another reason for regular contributions to taxable is for a mid-term goal, e.g., preparing to buy a house, where money can have some risk (perhaps allocated to [muni] bonds?) to avoid other risks (inflation). Putting too much in tax advantaged accounts would delay the ability to make a larg...
by harikaried
Mon Oct 13, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3908

Re: Relocating to a tax free state with good weather need ad

2) Sacramento, and maybe the surrounding areas, is a hidden gem. You're close to all the wineries you can visit in a lifetime. You're close to Yosemite, Tahoe, and the Sierra Mountains for all outdoorsie stuff. The winter is mild, the summer can be hot, but that's only a few days out of the year. T...
by harikaried
Mon Oct 13, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3699

Re: How Often to Buy Funds in a Taxable Account?

And I don't call that DCA. I call it lump sum - I invest a lump sum every time it becomes available (when I get paid). DCA originally came about to describe the behavior of regular contributions. I see that the wiki article was changed almost 3 years ago.. originally: "is a technique of buying...
by harikaried
Sat Oct 11, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Often to Buy Funds in a Taxable Account?
Replies: 15
Views: 2372

Re: My 30-day trial experience with Betterment

"While Betterment customers often only pay a fraction of the bid-ask spread due to our vertical integration, minimizing these costs is still beneficial to an efficient portfolio. So all other things being equal, Betterment attempts to select ETFs with narrower bid-ask spreads." I think &q...
by harikaried
Sat Oct 11, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 73
Views: 10244

Re: My 30-day trial experience with Betterment

In order to get the money for the contributions, I am going to sell some equities recently purchased that have a loss.... I'm sure the Betterment folks are monitoring this thread, so I wonder if they have any comments about that. Betterment's TLH+ white paper talks about using tertiary securities f...
by harikaried
Sat Oct 11, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 73
Views: 10244

Re: Relocating to a tax free state with good weather need ad

retiredjg wrote:Reno might work. Probably cooler than Las Vagas.
Reno gets snow maybe a few times a year, but you'll probably only need to shovel once or twice (or never depending on where in the city). Pretty nice if you like mountain snow sports (Tahoe) -- you get to enjoy without the work!
by harikaried
Sat Oct 11, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3699

Re: Who should regularly contribute to taxable investments?

529s have very high limits and I am a big proponent of using them in the right situation... Also our 529s are pretty well-funded, so the incremental utility of funding them more is somewhat smaller This comment got me thinking of the how some of the steps before taxable investing are "recurrin...
by harikaried
Sat Oct 11, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3908

Who should regularly contribute to taxable investments?

It seems that there's quite a long list of things to do before one should be investing in taxable: ⋅ make money ⋅ pay expenses ⋅ establish emergency fund ⋅ save for near-term expenses ⋅ invest in 401k for company match ⋅ pay off high intere...
by harikaried
Fri Oct 10, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3908

Re: Help w/ approximating TSM w/ Fidelity 401k

However between my contributions and my employers I don't think I could maintain the correct ratio by using my ROTH to make up the difference. You need approximately a 4:1 ratio of S&P500 to extended market: http://www.bogleheads.org/wiki/Approximating_total_stock_market This roughly matches up...
by harikaried
Fri Oct 10, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ approximating TSM w/ Fidelity 401k
Replies: 15
Views: 1019

Re: My 30-day trial experience with Betterment

initiated a transfer of $55K .. my 100% stocks setting are something like: 17.7% US Total Stock Market 17.7% US Large-Cap Value 5.8% US Mid-Cap Value 5.0% US Small-Cap Value ... ... I invested on a down day and the market has been up since then Curious, assuming you invested on August 7th, of those...
by harikaried
Fri Oct 10, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 73
Views: 10244

Re: Home Equity Line of Credit pay-off or not pay-off?

ouki wrote:The interest rate is historically low.
Maybe another way to ask the question is... would you draw more on the HELOC to invest?

Do you have any other debts? What's the interest rate on the primary mortgage?
by harikaried
Thu Oct 02, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Equity Line of Credit pay-off or not pay-off?
Replies: 6
Views: 538

Re: Would you buy a house in cash if you had enough?

I went through this recently; similar rate as well (4.05%). I opted to take the mortgage. We are in a high tax bracket and the math just made it too good to pass up. Could you explain how the math made it too good? Are you taking about taking a deduction on the interest paid? So the rate would be e...
by harikaried
Thu Oct 02, 2014 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4633

Re: Investing $40K of taxable savings

I have $40K sitting in my saving account that I would like to invest. In a previous post, you mentioned having $30k in emergency cash. Is this $40k the same emergency cash, i.e., if you invested it all, you would have no emergency fund? $10K - Energy ETF $10K - Health care ETF Curious, do you know ...
by harikaried
Sat Sep 27, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing $40K of taxable savings
Replies: 22
Views: 1801

Re: Is it bad to put 23k a yr in retirement if I only make 4

We currently keep the money separate as we have through our entire relationship and split costs. That's totally fine for now just like how my girlfriend and I split shared costs before we were married, and each covered his/her own personal expenses. It's great that you took responsibility of paying...
by harikaried
Fri Sep 26, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it bad to put 23k a yr in retirement if I only make 42k?
Replies: 29
Views: 3822

Re: Is it bad to put 23k a yr in retirement if I only make 4

Please let me know if I am missing some basic flaw to my plan, as I can't seem to think of one. I think the more appropriate statements and questions would be (given that you're getting married): Is it bad to put <combined retirement contribution> a yr in retirement if we make <combined income>? We...
by harikaried
Fri Sep 26, 2014 1:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it bad to put 23k a yr in retirement if I only make 42k?
Replies: 29
Views: 3822

Re: Trying to understand Uber and similar "ride sharing" ser

Think of it more as an on-demand limo service than hailing a taxi. There's a bunch of niceties handled by the app of not needing to figure out payments or tips and how long it'll take to get picked up, etc. (Note: I haven't used the app myself, but I've been on rides that other people have called wi...
by harikaried
Thu Sep 25, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Trying to understand Uber and similar "ride sharing" service
Replies: 54
Views: 4026

Re: inherited 500k, still a college student, how to invest??

Secondly, in terms of monthly expenses my brother and I had been receiving roughly $2500 a month from my father. Did both you and your brother receive $500k each? Or is that $500k for both you and your brother -- and is it in just your name, and you're expected to take care of some of your brother'...
by harikaried
Sun Sep 21, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 55
Views: 6221

Re: Student Loan vs 401k dilemma

Emergency Funds: 12 Months of full living expenses Is there enough balance in a taxable account / Roth IRA or perhaps credit from an unused HELOC / credit cards that could act as various levels of emergency funds? If so, the emergency fund could probably drop to half a year or a quarter or maybe 2 ...
by harikaried
Sun Sep 21, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loan vs 401k dilemma
Replies: 21
Views: 1598

Re: refinance to max out Fidelity 403(b)?

Current mortgage balance is $158,193.. Penfed says I can refinance to a 15 year fixed @ 3%, with a 1% origination fee & $2518 in closing costs. By refinancing, my monthly mortgage payments would be ~$365 less, & I'd be able to max out the 403(b). The upfront costs is ~$4100 and 12 months of...
by harikaried
Sun Aug 31, 2014 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: refinance to max out Fidelity 403(b)?
Replies: 9
Views: 486

Re: Where to invest $100,000 this week

What would you do if you spent $100 less (on say food/gas) last month and now have $100 to save/invest?
by harikaried
Thu Aug 28, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest $100,000 this week
Replies: 14
Views: 2041

Re: FYI, PenFed offering 0.0% new car loans

Why would even a consumer-friendly credit union offer zero percent? This has to cost them SOMETHING. It gets people interested in PenFed. We actually ended up with a 0.9% rate with PenFed through their car buying service when we happened to buy in the few months they no longer offered 0%. :oops: I ...
by harikaried
Tue Aug 26, 2014 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: FYI, PenFed offering 0.0% new car loans
Replies: 15
Views: 2074

Re: Suggestion: A 'Best Of Bogleheads Posts' Sub-Forum

How do you sort by view count? Is there a sort button somewhere I am overlooking? Yeah, it's hard to find as it's at the very bottom of the page. Just below the blue border surrounding the list of topics, there's a few dropdown menus with a "Go" button. Display topics from previous: [All ...
by harikaried
Tue Aug 26, 2014 1:40 pm
 
Forum: Forum Issues and Administration
Topic: Suggestion: A 'Best Of Bogleheads Posts' Sub-Forum
Replies: 12
Views: 5409

Re: HELOC + Margin = $200k to play with

Wait, now I'm confused. What if we used $100k @ 2.25% HELOC, $100k @ 3% margin, $20k @ 20% credit card cash advance. ($100k * 2.25% + $100k * 3% + $20k * 20%) / ($100k + $100k + $20k) = 4.2% weighted interest rate It seems that Gambler would go ahead and take all 3 loans assuming this 4.2% interest ...
by harikaried
Fri Aug 22, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: HELOC + Margin = $200k to play with
Replies: 24
Views: 1911

Re: Smartest way to fund new car purchase?

0% interest on car loans at Pentagon Federal Credit Union http://www.penfed.org. I would recommend you check out the car buying service: https://www.penfed.org/PenFed-Car-Buying-Service/ For a Double Cab, 4X4/Long Bed/V6/Automatic, you should be able to get it with no hassle for ~$27,924 ($1346 off...
by harikaried
Sat Aug 16, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1639

Re: Mortgage Prepayment Question

Assuming the rate is 8.26% currently with $125k left in principal, the monthly payments is roughly $1441. This could work if the loan was originally for $191,700 30-yr fixed from 19 years ago. And with that timeframe, the interest rate matches up. Assuming $100k principal payment, that would leave $...
by harikaried
Tue Jul 22, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 43
Views: 3290
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