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by harikaried
Fri May 22, 2015 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Am I crazy to have this asset allocation?
Replies: 4
Views: 493

Re: Am I crazy to have this asset allocation?

Putting those numbers into Morningstar's Instant X-Ray tool: http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx It says the asset allocation is.. Asset Class Long% Short% Net% Cash 34 -22 11 U.S. Stocks 10 0 10 Foreign Stocks 43 -15 28 Bonds 60 -15 45 Other 10 -4 6 Total 157 -57 100...
by harikaried
Fri May 22, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Loans and credit lines with interest from 0% to 1%?
Replies: 1
Views: 144

Loans and credit lines with interest from 0% to 1%?

What types of loans or credit lines typically have very low interest rates? The ones I can think of: - credit cards are effectively 0% until the statement due date and paid in full - auto loans often are 0% or PenFed's current 0.99% 48-month - store cards have 0% APR promotions for up to 60 months u...
by harikaried
Thu May 21, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 13
Views: 820

Re: Penfed 0.99% auto loan

mikep, I called PenFed for you to ask about the deductible, and they said $1000 is fine and gave a phone number to double check with their 3rd party insurance verification service. That service said that PenFed determines the requirements, and PenFed actually changed their requirements about a year ...
by harikaried
Thu May 21, 2015 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 13
Views: 820

Re: Penfed 0.99% auto loan

I was told I'd have to change my deductible from 1000 to 500 I'm not sure if it's because we've had the loan with a $500 deductible for a year already, but given how quickly the person responded, it didn't seem like a huge deal. If you own your car outright, you can still take advantage of the deal...
by harikaried
Thu May 21, 2015 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 13
Views: 820

Re: Penfed 0.99% auto loan

mikep wrote:They require a $500 deductible
That's what it says on the letter to insurance that also requests putting PenFed as a lienholder. I called them to see if $1000 deductible was fine, and the person immediately said it was no problem.
by harikaried
Thu May 21, 2015 5:11 pm
Forum: Investing - Theory, News & General
Topic: Multiple Account Management
Replies: 26
Views: 757

Re: Multiple Account Management

We have 9 accounts: brokerage, charitable, 2x 401k, 2x IRA, 2x 529, inherited IRA. We have 11 funds, so that's 1 fund in each account except 2 funds in each of the 401ks. One 401k has US/Bonds because there the Intl fund there is large-cap only. The other (self-employed) 401k is US/Intl.
by harikaried
Wed May 20, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: How much should I pay for a brand new car?
Replies: 13
Views: 1138

Re: How much should I pay for a brand new car?

investingnoob2015 wrote:my state of Washington ... no sales tax from near Oregon
FYI, Washington has a use tax:

http://dor.wa.gov/content/FindTaxesAndRates/UseTax/
by harikaried
Wed May 20, 2015 2:29 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6494

Re: Aren't we overdoing electronic auto safety features?

To be clear, that statement says: " difference between the speed of your car and the car you might hit" This means if you're going 70mph and someone cuts in front of you at 55mph, there's a difference of 15mph, so that's well within what the system can handle. The latest EyeSight "3rd...
by harikaried
Tue May 19, 2015 9:32 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6494

Re: Aren't we overdoing electronic auto safety features?

Apparently EyeSight on Subarus are pretty popular overseas. http://www.torquenews.com/1084/2015-subaru-outback-cvt-launches-uk-standard-eyesight 85% of Subarus sold in Japan have EyeSight. All UK Outbacks with CVT have EyeSight. Perhaps this means people really do want the auto safety features. (Or ...
by harikaried
Mon May 18, 2015 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term redemption fees...how are they implemented? (Fidelity Spartan)
Replies: 6
Views: 373

Re: Short-term redemption fees...how are they implemented? (Fidelity Spartan)

If you're curious about the SEC rule about various limits relating to redemption fees: http://www.sec.gov/rules/final/ic-26782.pdf Interesting to note that Vanguard Group proposed that redemption fees be calculated based on LIFO as opposed to FIFO to make it even stricter for people doing short term...
by harikaried
Mon May 18, 2015 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term redemption fees...how are they implemented? (Fidelity Spartan)
Replies: 6
Views: 373

Re: Short-term redemption fees...how are they implemented? (Fidelity Spartan)

You only pay fees on the shares that you purchased (not reinvested) within 90 days then sold. As jjface pointed out, shares are sold FIFO, so if you had 1 shares older than 90 days and recently bought 4, if you now sold 1, there's no redemption fee because you're selling the older shares. If instead...
by harikaried
Mon May 18, 2015 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit a large check long distance?
Replies: 20
Views: 1569

Re: How to deposit a large check long distance?

We opened up a Fidelity account because it has relatively high mobile check deposit limits. I believe they start at $10k. Our account has $25k daily limits -- not sure if that's based on total account value or how much you've used mobile deposit in the past (we use it weekly). It's pretty simple. Ju...
by harikaried
Mon May 18, 2015 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: 529 superfunding
Replies: 12
Views: 782

Re: 529 superfunding

I'm planning on opening a Nevada 529 account for my child and superfunding it with 5 years worth of tax free contributions (14k x 2 parents x 5 years = $140k) in a single calendar year. Where is the money now? Sitting as cash? Invested in a taxable account? We opened up two 529s for future children...
by harikaried
Mon May 18, 2015 6:01 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 380
Views: 37897

Re: Schwab Intelligent Portfolios [now live]

SIP might even pass $2 billion by the end of Q2 We're halfway through Q2, and SIP is past $2b: http://www.bizjournals.com/sanfrancisco/blog/2015/05/charles-schwab-ceo-robo-advisor-schw-investing.html Things have definitely slowed down. 3 weeks for first $0.5b. Another 3 weeks for the next $1b. Now ...
by harikaried
Mon May 18, 2015 1:15 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6494

Re: Aren't we overdoing electronic auto safety features?

It's not an accident that automakers are bundling safety features with their overpriced and outdated Navigation systems. I do agree that integrated navigation systems are generally overpriced and not as functional especially with outdated maps (or shock! - paying for newer maps / updates) compared ...
by harikaried
Sun May 17, 2015 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off student debt by selling off taxable account assets
Replies: 16
Views: 727

Re: Pay off student debt by selling off taxable account assets

If the tax hit lowers the effective return to 3% or 4% or 5%, it starts to get a little murky. I was thinking about this comment a bit more and was wondering what tax hit would be needed to cause effective returns to drop to those levels. If we say the $168k loan at 6.55% would have been paid off i...
by harikaried
Sun May 17, 2015 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off student debt by selling off taxable account assets
Replies: 16
Views: 727

Re: Pay off student debt by selling off taxable account assets

you'd have to reduce that 6.8% by the amount of tax he'll owe when he liquidates his portfolio. We don't have enough information to do that. If the tax hit lowers the effective return to 3% or 4% or 5%, it starts to get a little murky. OP said the taxable account is $77k with $8k gains split roughl...
by harikaried
Sat May 16, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6494

Re: Aren't we overdoing electronic auto safety features?

frugal Subaru only bundles their Eyesight system with a moonroof, nav, keyless entry for $2990 on the Outback Limited model Are you specifically looking for the Limited trim? Otherwise the Outback Premium has Eyesight+rear-radar+power-gate package for $1695. The cheapest package with Eyesight+rear-...
by harikaried
Fri May 15, 2015 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody know of a good no-cost HELOC?
Replies: 10
Views: 822

Re: Anybody know of a good no-cost HELOC?

We got our PenFed HELOC set up last year but haven't used it as it's more for an emergency buffer. We applied on June 27th and got final approval August 6th. We didn't pay anything to set it up or to have it sit at $0. We asked for $50k credit limit to be well under the LTV ratios that require an ap...
by harikaried
Fri May 15, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2698

Re: Auto-braking systems in cars - experiences?

wfrobinette wrote:I haven't been gutsy enough to try it at higher speeds.
Have you had the warning trigger at high speed? The system is effectively looking at differences in speed because even if you're going 70mph, a vehicle in front moving at 55mph looks like an object approaching at 15mph.
by harikaried
Thu May 14, 2015 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating my 401k elections at 25 years old
Replies: 16
Views: 1190

Re: Evaluating my 401k elections at 25 years old

Below are my current elections: AMERICAN EUROPACIFIC GROWTH R6 5% RERGX AMERICAN GROWTH FUND OF 10% RGAGX VANGUARD EXTEND MARKET INDX FD 15% VIEIX VANGUARD FTSE ALL WORLD 20% VFWSX VANGUARD INSTITUTIONAL INDEX 50% VINIX If you treat RERGX/VFWSX as Intl and RGAGX/VIEIX/VINIX as US, you're currently ...
by harikaried
Thu May 14, 2015 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 197
Views: 36327

Re: Share your networth progression

Here's trends of our progression over the last few years with data points of liquid (cash+investments) assets, debt (mortgage+car loan), estimated property (home+cars), net worth, extrapolated NW/year:

Image
by harikaried
Wed May 13, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2698

Re: Auto-braking systems in cars - experiences?

maintaining 2-3 car lengths distance I hope that you are either driving very slowly or are bad at estimating following distance. I don't think you'll find any authority who thinks 2-3 car lengths (let's be generous and say 50ft) is reasonable above about 20mph. Ah perhaps I misused "car length...
by harikaried
Wed May 13, 2015 1:57 am
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2698

Re: Auto-braking systems in cars - experiences?

We have a 2014 Subaru Forester with EyeSight driven for about 25k miles. There's a set of warning beeps when you're approaching an object too quickly, and we've had this trigger in various situations such as driving aggressively or parking in the garage right up to the wall. I suppose this could be ...
by harikaried
Wed May 13, 2015 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Refinance now or Wait for rate adjustment
Replies: 12
Views: 919

Re: Refinance now or Wait for rate adjustment

Current payment is about $500 per month (P+I). I pay an additional $500 per month towards principal. Do you have additional savings after making the extra $500/mo payments? You mention a taxable account, so if you regularly invest the savings, hopefully you'll have some long-term capital gains by O...
by harikaried
Tue May 12, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plans- Are they part of your overall A.A?
Replies: 22
Views: 1102

Re: 529 plans- Are they part of your overall A.A?

Perhaps another aspect is that the two 529s we have are for future kids, so the accounts are actually in our own names. So technically that money could be used for our own education expenses.
by harikaried
Tue May 12, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plans- Are they part of your overall A.A?
Replies: 22
Views: 1102

Re: 529 plans- Are they part of your overall A.A?

We have 2 Fidelity 529s fully funded to desired levels for our future kids that are set to US Total Market index. We treat these as part of our overall AA for US Stocks. I'm not sure yet if we'll glide path it to more bonds as the kids approach college or just leave it as 100% equities. Whatever doe...
by harikaried
Tue May 12, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas out west
Replies: 42
Views: 3062

Re: Vacation Ideas out west

Alright I do have a 9mm glock but not sure if I will be allowed to carry it across state lines? Conceal it - problem solved lol There was a "lol" so perhaps this was a joke, but do not just "conceal it" -- you could probably end up in jail in some states. I don't know much about...
by harikaried
Mon May 11, 2015 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Largest Credit Card Sign Up Bonuses
Replies: 11
Views: 1950

Re: Largest Credit Card Sign Up Bonuses

Citi Thank You Premier 500 (625 travel) Chase Sapphire Preferred 400 (500 travel) Barclay Arrival Plus 400 (10% bonus back) Capital One Venture 400 We recently signed up for 2 of each of these except for the Premier. The Premier card gives you 20k points then 30k points after the anniversary (requi...
by harikaried
Sat May 09, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: buying a new subaru outback
Replies: 25
Views: 2338

Re: buying a new subaru outback

I think you might get bombarded with calls/emails from Truecar dealers if you go through the process. Did that happen with you? I didn't get any calls but I did get emails. I just searched through my mail from last year: 2/3 From: PenFed Car Buying Service (truecarmail) Thank you for using the PenF...
by harikaried
Fri May 08, 2015 11:18 pm
Forum: Investing - Theory, News & General
Topic: Round Numbers in Portfolio Allocations
Replies: 49
Views: 2888

Re: Round Numbers in Portfolio Allocations

what would the graph of that glide path look like? Assuming age in bonds from age 0 to 100.. here's a graph of stock allocation at different sizes where instead of taking the exact percentage, it's rounded to the closest 5%. http://ed.agadak.net/bogleheads/glide.800.png http://ed.agadak.net/boglehe...
by harikaried
Fri May 08, 2015 10:26 pm
Forum: Investing - Theory, News & General
Topic: Round Numbers in Portfolio Allocations
Replies: 49
Views: 2888

Re: Round Numbers in Portfolio Allocations

555 wrote:How does one implement a glide path while also having their asset allocation in 5% chunks?
It's not that difficult for someone who only updates their asset allocation once per 5 years. A glidepath of 80/20 -> 75/25 -> 70/30 -> 65/35 is more of a glide than staying at 80/20.
by harikaried
Fri May 08, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: buying a new subaru outback
Replies: 25
Views: 2338

Re: buying a new subaru outback

if you can somehow head-fake Penfed to get that lower rate, that would be great This is exactly what we did last year when we bought our Forester. Here's the instructions from the Car Buying Service page: ⋅ Go to the PenFed Car Buying Service site and select the vehicle(s) that you are in...
by harikaried
Fri May 08, 2015 10:00 pm
Forum: Personal Consumer Issues
Topic: buying a new subaru outback
Replies: 25
Views: 2338

Re: buying a new subaru outback

dealer we have used for our current outback for the past 7 years is offering 1.94% financing Are you sure it's 1.94% instead of 1.49%? The former is a bit odd of a rate. http://cars101.com/ says these are the finance rates at least for the northwest: Outback 1.49% 24-36-48 mos , 1.90% 60-63-72 mont...
by harikaried
Fri May 08, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: buying a new subaru outback
Replies: 25
Views: 2338

Re: buying a new subaru outback

You can get 0.99% for 36 months if you get the loan through PenFed's car buying service. You don't need to use the price from the car buying service -- just need to at least view the price and click continue to get the loan. You can get a no hassle price to start from as well. https://www.penfed.org...
by harikaried
Fri May 08, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 380
Views: 37897

Re: Schwab Intelligent Portfolios [now live]

Ha. I'm not sure what I was entirely thinking, but clearly I didn't think it through completely. :oops: I tried to force SIP to TLH the other day by withdrawing enough cash to trigger a rebalance. Various individual lots had losses but no position was close to the 0.5%-of-total-account threshold to ...
by harikaried
Thu May 07, 2015 5:05 pm
Forum: Investing - Theory, News & General
Topic: Round Numbers in Portfolio Allocations
Replies: 49
Views: 2888

Re: Round Numbers in Portfolio Allocations

I suppose I should not interject my running joke that asset allocations should actually be prime numbers, 47/53 for example, or 17/83. You too?! 70stock/20bond/5reit/3gold/2cash with stocks split 3US:1Intl and 2bond:1TIPS results in... 53% US Stocks 17% Intl Stocks 13% US Bonds 7% TIPS 5% REIT 3% G...
by harikaried
Thu May 07, 2015 3:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services now live
Replies: 38
Views: 5333

Re: Vanguard Personal Advisor Sevices now live

despite the low cost of .3 bp, it is too expensive for what you get From their site, they show 4 layers of how VPAS helps people earn more over time: https://investor.vanguard.com/advice/personal-advisor 1) Build your portfolio with low-cost funds 2) Rebalance your portfolio 3) Serve as your invest...
by harikaried
Tue May 05, 2015 6:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services now live
Replies: 38
Views: 5333

Re: Vanguard Personal Advisor Sevices now live

What is the target audience or typical client that would choose this service? And how would a company like Vanguard reach them or what would lead them to Vanguard? This article has a quote from the Vanguard CEO: “Vanguard Personal Advisor Services represents our continued effort to lower the cost a...
by harikaried
Tue May 05, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8205

Re: Truecar -- isn't this just a car buying scam?

Don't forget that even after I got the 'certificate' from Truecar, there was never any guarantee that that specific make/model/color/etc would be available at the dealership A few years ago, we brought our laptop and used the dealership's WiFi to run a TrueCar quote on the models+options available ...
by harikaried
Tue May 05, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Do I need another credit card?
Replies: 16
Views: 1131

Re: Do I need another credit card?

Sallie Mae only gives 5% cashback on first $250 of gas, first $250 of groceries, and first $750 of books, so low limit is probably fine. Requesting a credit limit increase can result in another hard credit check and is usually restricted to maybe once or twice a year.
by harikaried
Mon May 04, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Do I need another credit card?
Replies: 16
Views: 1131

Re: Do I need another credit card?

If you're getting 5x points for restaurants, entertainment, and bookstores(inc. Amazon); I definitely would keep the Citi Forward card if you eat out and redeem thankyou points for flights.

Citi's doublecash is indeed simple and gives you almost 2% cash back.
by harikaried
Fri May 01, 2015 4:33 am
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 4946

Re: Powerwall: The Arrival of Home Battery Backup System

It looks like the main benefit is indeed for owners with solar as excess energy generation would otherwise be wasted and night time relying on the grid. Another type of benefit would be for people who could store excess cheaper energy to use at peak/expensive usage. This would allow owners to not ne...
by harikaried
Thu Apr 30, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Residents of states w/o income tax, do you itemize?
Replies: 34
Views: 2050

Re: Residents of states w/o income tax, do you itemize?

After moving to Nevada from California, we haven't itemized. Housing prices are much lower, so not much mortgage interest deduction (this easily triggered itemized by itself when in CA). No income taxes (this would have almost triggered itemizing in CA). Much lower property taxes (this also would ha...
by harikaried
Wed Apr 29, 2015 11:34 am
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6463

Re: Who's holding cash?

For those who have some percentage of overall portfolio in cash, would you keep that percentage if interest rates change, e.g., "always 5% cash." Or is it relative to the interest rates, e.g., "cash allocation = 5% + interest rate," so if rates go up to 2%, you would have 7% in c...
by harikaried
Tue Apr 28, 2015 8:45 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6463

Re: Who's holding cash?

Cash loses purchasing power daily to inflation. If the rate of return on cash is higher than inflation (okay, on an after-tax basis, if you insist on that too), cash doesn't lose to inflation. There have been plenty of times this has been true, including the last several months, depending on how yo...
by harikaried
Tue Apr 28, 2015 8:11 pm
Forum: Investing - Theory, News & General
Topic: Two Index Fund Studies: One Good Strategy
Replies: 6
Views: 1428

Re: Two Index Fund Studies: One Good Strategy

In the Vanguard study Figure 7, the paper points out how the highest quintile of active funds in the 5 years ending in 2009 had 13.5% of them still in the highest quintile for the 5 years ending in 2014. This quintile also had 33.4% of the funds end up in the lowest quintile or merged/closed. The sa...
by harikaried
Mon Apr 27, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 6228

Re: Another reason NOT to use (free) Wifi

Can they use that info to send me unsolicited email or text messages? No. Can they use that info to present me targeted ads in my web browser? No. Can they use that info to make targeted robo-calls on that smartphone? No. Can they use that info to find my home address and send junk mail or salesmen...
by harikaried
Sun Apr 26, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 380
Views: 37897

Re: Schwab Intelligent Portfolios [now live]

I have both. But I haven't seen any firm info on when they will have a robo-advisor product available. I haven't done too much research here, but Fidelity is working with Betterment and FutureAdvisor: http://www.nytimes.com/2014/10/16/your-money/financial-planners/fidelity-investments-forges-allian...
by harikaried
Sun Apr 26, 2015 2:46 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 380
Views: 37897

Re: Schwab Intelligent Portfolios [now live]

SIP's international allocation is not quite as heavy as some of the other roboadvisors, though. I think Wealthfront wanted me to invest 28% in emerging markets! :?: Burton Malkiel from Wealthfront recently blogged about emerging markets: https://blog.wealthfront.com/emerging-markets/ There he point...

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