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Re: Squeezing more money into a 401k via a loan?

We've looked into this as my 401k plan has a relatively high interest rate to discourage loans: 7.5%. My 401k is all US equities with 0.05% expense ratio, so we didn't really look much more. Even if we would have put bonds in the 401k, to maintain our asset allocation, we would need to buy bonds els...
by harikaried
Sat Apr 18, 2015 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Squeezing more money into a 401k via a loan?
Replies: 7
Views: 642

Re: Schwab Intelligent Portfolios [now live]

I would like to set up the SIP account to pay me a monthly pay check of $2500. Does it need to be a check? From the usual schwab.com Transfers & Payments screen, it looks like I can set up recurring MoneyLink electronic funds transfer to an external checking account at various frequencies: mont...
by harikaried
Sat Apr 18, 2015 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Refinance or Pay Off Mortgage

http://www.mtgprofessor.com/calculators/Calculator2a.html I bought a primary house in 2012 for 580K with 20% down. Interest rate at 3.62% for 30 years fixed. My current loan amount on the house is only 265K. So your currently monthly payment is $2,114.78 effectively at month 202 of the original 360 ...
by harikaried
Wed Apr 15, 2015 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance or Pay Off Mortgage
Replies: 2
Views: 368

Re: Fidelity 529 and Arizona and Deleware

Since most of my assets are with Fidelity the ease would be to stay with them This is what we ended up doing. We opened up two 529 accounts -- one for each of us in preparation for 2 children in the future. We have various IRAs (traditional x2, roth x2, inherited), 401ks (employer, self-employed), ...
by harikaried
Mon Apr 13, 2015 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 and Arizona and Deleware
Replies: 4
Views: 374

Re: Schwab Intelligent Portfolios [now live]

Today's AUMs [April 3] : FNDC: $112m https://www.csimfunds.com/public/csim/home/products/exchange_traded_funds/summary.html?symbol=FNDC FNDF: $371m https://www.csimfunds.com/public/csim/home/products/exchange_traded_funds/summary.html?symbol=FNDF $46m [$112m - $66m] additional assets for FNDC / 6% ...
by harikaried
Mon Apr 13, 2015 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: TurboTax states "New York has no income tax"?

livesoft wrote:It is clearly a bug in TurboTax for the NY state return.
If you squint, NY is pretty close to NV. ;)
by harikaried
Fri Apr 10, 2015 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax states "New York has no income tax"?
Replies: 16
Views: 1369

Re: Best current credit card sign-up bonus

Here's a good reference for getting cash sign up rewards (as opposed to just travel points/miles):

http://www.doctorofcredit.com/best-cash ... p-bonuses/

We just signed up for 7 credit cards hoping to get almost $3k in cash. I guess we'll find out if we were successful in a few months.
by harikaried
Thu Apr 09, 2015 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best current credit card sign-up bonus
Replies: 7
Views: 1133

Re: Poll: What is the credit limit of your credit card?

I am surprised that nearly 10% of responses have over a $40k limit on a single credit card! Is this due to running balances that have accumulated, or do you want the ability to impulse buy a car or what exactly? I just applied for a new credit card for sign up bonuses and was surprised it came back...
by harikaried
Thu Apr 09, 2015 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Poll: What is the credit limit of your credit card?
Replies: 56
Views: 3396

Re: Can anyone help me figure out my MAGI in laymens terms?

Would really love really beginner/laymens terms here. Did you read through publication 590? In particular worksheet 2-1 to calculate MAGI? http://www.irs.gov/publications/p590/ch02.html#en_US_2013_publink1000230988 Basically, take your AGI excluding IRA conversions and add back some of the income a...
by harikaried
Wed Apr 08, 2015 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can anyone help me figure out my MAGI in laymens terms?
Replies: 10
Views: 556

Re: Might Go $4,000 AAPL

I want to flip my extra cash for a profit, semi-short term. It is money I want to risk flipping for a short term profit. Pretend you invested your $4000 in AAPL for a year and the results turned out to be.. http://ed.agadak.net/vti-aapl-20120921-20130921.png Would you sell after 1 year after your $...
by harikaried
Mon Apr 06, 2015 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5182

Re: Might Go $4,000 AAPL

- Apple Watch Upcoming What about the news of the watch being delayed in some countries? - Apple Pay (Which could lead to AAPL getting into the banking industry) What about the survey about confusion / low adoption? - Apple has been showing signs of dipping their toes into the medical field. What a...
by harikaried
Mon Apr 06, 2015 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5182

Re: Schwab Intelligent Portfolios [now live]

A "Schwab investment professional" responded: "The SIP account will only trade with funds that have actually physically arrived, not just anticipated transfers. That is the reason the trades are a day delayed." So most likely, the account will rebalance tomorrow. That person als...
by harikaried
Mon Apr 06, 2015 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Converted to Index Funds in 2014 - paid Capital Gains at

riptide wrote:to keep me in the 15% tax bracket
If that's the case, you could probably take advantage of tax gain harvesting because long-term capital gains up to some amount will be taxed at 0% while you're in the 15% tax bracket.

http://www.bogleheads.org/wiki/Tax_gain_harvesting
by harikaried
Sat Apr 04, 2015 1:11 am
 
Forum: Investing - Theory, News & General
Topic: Converted to Index Funds in 2014 - paid Capital Gains at tax
Replies: 15
Views: 1186

Re: Schwab Intelligent Portfolios [now live]

I think it would be incorrect to assume that almost all of the money is in the most aggressive portfolio. I know.. but if you don't assume aggressive and say it's somewhere half: 3% FNDC and 6.5% FNDF, the AUM would be doubled to $2b, which would make the numbers even less believable. SIP didn't la...
by harikaried
Sat Apr 04, 2015 12:38 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

So in the month of March, FNDC gained $62m ($50m -> $112m) and FNDF gained $136m ($235m -> $371m). So FNDF gained 2.2x AUM than FNDC. This is consistent with SIP's ratio of 13%-FNDF:6%-FNDC (or 2.2x). Am I doing my math wrong? If we assume almost all of the money in SIP is at the most aggressive 94...
by harikaried
Fri Apr 03, 2015 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

The cash allocation still seems to be the most controversial aspect of SIP. Yesterday a Schwab VP wrote an article (with some interesting calculations) explaining the role of cash: http://www.investmentnews.com/article/20150402/BLOG09/150409982/charles-schwab-makes-its-case-for-using-cash-in-its-au...
by harikaried
Fri Apr 03, 2015 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

From their FAQ - it appears that they've already made changes to the 'equity-28' in the graph above. The hypothetical "investor 3" has 28% in stocks, 15% of which is US High Dividend stocks, 9% in International High Dividend, 2% in MLP's, and 1% each in domestic and international REITs. T...
by harikaried
Fri Apr 03, 2015 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

The trade volume on the SIP fundamental ETFs is not slowing down. Indeed. Before March 9, the average volume for FNDC was around 25k. Over the last few weeks, the average volume has consistently been around 130k with a high of 170k. Similarly FNDF volume used to average around 60k and now over 300k...
by harikaried
Fri Apr 03, 2015 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

Somehow missed this news of SIP reaching $500 million by the end of March. http://www.investmentnews.com/article/20150330/FREE/150339991/exclusive-schwab-robo-adviser-crosses-half-billion-dollar-mark "Schwab spokeswoman Alison Wertheim said the Intelligent Portfolios program has raised “conside...
by harikaried
Fri Apr 03, 2015 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Best credit card for me???

So if you do make an occasional NYOP/express deal purchase, you can effectively redeem at 3.333% cash back. We're thinking about making a $15k charge to the priceline card with an additional 3% on top of $15k for using the credit card. That 3% extra is $450 and the effective cashback we're getting ...
by harikaried
Fri Apr 03, 2015 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best credit card for me???
Replies: 18
Views: 1746

Re: Schwab Intelligent Portfolios [now live]

Betterment has dropped the minimum to $0 as well. Thanks. Took me longer than I would have expected to find this. Probably because the website hasn't been updated. Same for Wealthfront. Betterment website: https://www.betterment.com/tax-loss-harvesting/ "Tax Loss Harvesting+TM is automated and...
by harikaried
Fri Apr 03, 2015 2:02 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

I suppose I could trick SIP to rebalance after a RBD by having cash available to transfer in I tried to test this out by transferring money from an external checking account instead of directly from a Schwab brokerage account. I was thinking that in a regular self directed brokerage account, I can ...
by harikaried
Thu Apr 02, 2015 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Best credit card for me???

Barclays recently added a perk giving you 10% back on travel expenses. So if you occasionally have those type of expenses, you can redeem credits against travel purchases and make this a 2.2% card. There's another recent change that makes it even better than 2.2%. Up until recently, Priceline Name ...
by harikaried
Thu Apr 02, 2015 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best credit card for me???
Replies: 18
Views: 1746

Re: Schwab Intelligent Portfolios [now live]

Rebalanced on 3/11 and 3/27, very nice! :) Was it done with new contributions? Was it done tax-efficiently or is that not applicable? Unfortunately, there was nothing particularly clever that SIP was doing. I just happened to transfer in new contributions the day before those rebalances. For our ac...
by harikaried
Mon Mar 30, 2015 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

I might do the same with our 24yr old son's Schwab One account that has a few stocks bought when he was a toddler, and also the SCHB Broad Market fund. Would SIP make sense for say a 24yr old single grad student ? Do you expect additional cash to be added to the account? I would think Tax Loss Harv...
by harikaried
Mon Mar 30, 2015 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

Can you possibly post a screenshot without any personally identifying information? :) Of the SIP interface? http://ed.agadak.net/schwab-sip/sip-interface.png Clicking the Activity area shows all other activity. http://ed.agadak.net/schwab-sip/sip-activity.png Clicking the Performance area shows dol...
by harikaried
Sun Mar 29, 2015 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

If you login with your normal Schwab ID, how does the SIP account info get displayed - along with the normal brokerage account ? The SIP interface is pretty limited/streamlined (probably for phones/tablets) in that it only shows 1) the portfolio's total dollar allocations in each asset class with a...
by harikaried
Sun Mar 29, 2015 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

Does it really matter to have a lot of small % in various stock funds ? And then, how much is to low to actually make a difference ? 2%, 5% ?? That's an interesting question that one could also ask of a Total US index as well. E.g., VTI's largest holding is AAPL at 3.24%. Next is XOM at 1.61%, MSFT...
by harikaried
Sat Mar 28, 2015 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

Schwab only purchases fractional ETF shares as part of dividend reinvestment. In SIP, I'm not sure whether ETF dividends are automatically reinvested, or simply added to the cash allocation. Looking at the positions view of the regular schwab.com website but for the SIP account, all ETFs are set to...
by harikaried
Sat Mar 28, 2015 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Schwab Intelligent Portfolios [now live]

I was checking out Wealthfront's blog about their new direct indexing Wealthfront 100, and I noticed a separate blog about how Wealthfront has no minimums for TLH now. https://blog.wealthfront.com/tax-loss-harvesting-for-everyone/ I would assume this is in direct response to Schwab Intelligent Portf...
by harikaried
Sat Mar 28, 2015 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: Introducing the Next Level of Direct Indexing: The Wealt

Then, through an unexplained magic, you get better performance than TSM, at only four times the expense ratio. At a conceptual level, do you agree that splitting a collection of differently moving stocks would provide for more opportunities to TLH? Instead of having a "smoothed" out aggre...
by harikaried
Sat Mar 28, 2015 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Introducing the Next Level of Direct Indexing: The Wealthfro
Replies: 17
Views: 2246

Re: Apply For HELOC as Emergency Funds???

My wife and I have a HELOC for this very purpose - to supplement our emergency savings. Our HELOC had no origination fees, no annual fees, no zero-balance fees. No fees whatsoever. We paid nothing and will pay nothing so long as we don't use the HELOC account. This was our use and experience as wel...
by harikaried
Sat Mar 28, 2015 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Apply For HELOC as Emergency Funds???
Replies: 23
Views: 1853

Re: Change W-4 after paying off mortgage

An allowance on the W-4 is not equivalent to a personal or dependent exemption amount of $4,000. For 2014 tax year, if a single person had $60k income or $5k/mo and $12k in itemized deductions, the total tax owed is $6,875. If instead the itemized deduction was $4k less for $8k, the total tax owed ...
by harikaried
Sat Mar 28, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Change W-4 after paying off mortgage
Replies: 11
Views: 894

Re: Change W-4 after paying off mortgage

I opened my (already filed) 2014 tax return in my tax software, and reduced my 1098 mortgage interest to about zero... The result was about $1100 more owed in federal taxes. How do I translate that into W-4 allowances (I currently have it set to 4)? I believe each allowance is effectively a persona...
by harikaried
Sat Mar 28, 2015 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Change W-4 after paying off mortgage
Replies: 11
Views: 894

Re: Schwab Intelligent Portfolios [now live]

Just to test out their rebalancing, I added $1k to the account earlier this week, which resulted in a cash amount of 7.40%. This did not trigger a rebalancing the next day. I then added another $1k, which pushed cash to 8.97%, so it exceeded the 2% threshold above the 6% cash target. The account was...
by harikaried
Fri Mar 27, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: My 30-day trial experience with Betterment

So it turns out that Betterment's TLH algorithm is a lot more complex than I originally thought. It has continued to harvest losses in developed and emerging markets multiple times without waiting for the 30-day wash sale period to pass. Indeed, they go into various details of tertiary ETFs. I talk...
by harikaried
Mon Mar 23, 2015 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 84
Views: 13470

Re: Restaurant tipping

Most of the suggested tip calculators on receipts don't consider tax in their numbers either. I was surprised by this since it would be an easy way to boost $$ if someone relied on that calculation. Suggested tips printed by the POS tends to be based on the subtotal. Suggested tips from the credit ...
by harikaried
Mon Mar 23, 2015 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12122

Re: Google voice

I recently routed the text for the Vanguard 2-factor verification to google voice. Probably not with Vanguard, but has anyone else run into issues where automated systems can't text a Google Voice number? I don't remember offhand, but I feel like I had to use a different number at some point for so...
by harikaried
Mon Mar 23, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4471

Re: Better late than never!

Rearranging your numbers to show how much money is in each of your accounts: Taxable: 24.06% 401k: 1.01% Roth 401k: 1.01% Old 401k: 20.19% Old Roth 401k: 40.38% Fidelity IRA: 3.06% Fidelity Roth: 6.38% TRP Roth: 3.91% You can consolidate those: Taxable: 24.06% 401k: 1.01% Roth 401k: 1.01% IRA: 23.25...
by harikaried
Mon Mar 23, 2015 1:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Better late than never!
Replies: 3
Views: 1056

Re: Schwab Intelligent Portfolios [now live]

Betterment put up a comparison of their offering with SIP: https://www.betterment.com/schwab-intelligent-portfolios/ Interestingly, they list the cash drag at 0.38% to 0.57% for 6% - 30% cash allocation. They're pretty reasonable in that they calculate the 6% cash drag with 6.38% annual returns whil...
by harikaried
Sun Mar 22, 2015 11:52 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 349
Views: 27569

Re: What won't you pay with Credit Card?

-Gas stations that charge more for using credit Today, Costco gas is $2.81 while Valero is $2.83. With 2% a cash back AmEx, the effective price is $2.75. On a 15 gallon refuel, that's just barely over $1, so using credit saves a little. At the same Valero, the credit price is $2.89, and our 5% cash...
by harikaried
Sun Mar 22, 2015 10:11 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8445

Re: Does it make sense to pay off this mortgage?

We have about $30k of retirement space available (pretax 401k/403b + ROTH). I count ($18k + $5.5k) * 2 = $47k in retirement space each year, and you're using $16.9k of it or 36%. The $12k extra principal in pre-tax dollars (towards 401k/403b) would be $16k in the 25% tax bracket. If you did that, y...
by harikaried
Sun Mar 22, 2015 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to pay off this mortgage?
Replies: 24
Views: 2178

Re: How do you invest your taxable account?

I disagree with most of these replies. Putting stocks into taxable accounts is like locating your chicken coop next to a den of foxes (the IRS) and then planting your veggies in a fenced area (IRS-protected space). You are better off planting your veggies next to the foxes and protecting your egg-l...
by harikaried
Sun Mar 22, 2015 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 7502

Re: Regular contributions to taxable

This will quickly make me unbalanced, so in my tax-advantaged accounts, I set up an automated exchange to move the excess funds from TSM and TISM to bonds. This keeps my overall balance correct. How unbalanced do you allow the accounts to get from market fluctuations? We used to try to keep all the...
by harikaried
Sun Mar 22, 2015 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular contributions to taxable
Replies: 10
Views: 1284

Re: Manufactured Spending - Good Idea / Bad Idea?

1. Unless you have a mortgage / refi application coming up, probably your credit score will be OK. I'm guessing you're thinking of churning through credit card sign up bonuses where applying and opening new accounts impact credit scores in multiple ways. For manufactured spending, the main credit i...
by harikaried
Sun Mar 22, 2015 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9411

Re: Manufactured Spending - Good Idea / Bad Idea?

mortgage+extra principal payments To give some context, if we aim to pay off our remaining $70k mortgage @ 2.625% in the next 24 months, we would make payments of $3k/mo. The total payment would be roughly $72k with $2k interest for the remainder of the mortgage. We would get 2% cashback on the $72...
by harikaried
Sun Mar 22, 2015 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9411

Re: Manufactured Spending - Good Idea / Bad Idea?

We do have a Softcard Serve prepaid card. We've used it from time to time to pay with NFC, but it's not as convenient as just swiping a card. We did load it up to the $1500 max and made auto loan and mortgage+extra principal payments. Not sure if you consider those as manufactured spending, but we d...
by harikaried
Sun Mar 22, 2015 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9411

Re: My 30-day trial experience with Betterment

The dates of all the harvests so far are 9/22, 9/25, 10/1, 10/3, 10/9, 10/10, 10/13, 10/14, 10/15, 12/8, 12/15, and this year 3/11. Looking at the changes between those dates on a rough US equity and Intl equity approximation.. 9/22-9/25: VTI -1.87%, VXUS -2.25% 9/25-10/1: VTI -1.15%, VXUS -1.95% 1...
by harikaried
Sun Mar 22, 2015 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 84
Views: 13470

Re: And then there were three....

Fidelity Freedom 2040 Fund The funds you listed have expense ratios of 0.78%, 0.78%, 0.71%. Use Fidelity's Index version instead: https://fundresearch.fidelity.com/mutual-funds/summary/315793885 FBIFX Fidelity Freedom® Index 2040 Fund Exp Ratio (Net) 0.16% I've had great service with Fidelity onlin...
by harikaried
Sun Mar 22, 2015 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: And then there were three....
Replies: 6
Views: 935

Re: Splitting a Food Tab on a Combined Birthday Lunch

Pretend there there were 2 separate lunches of $10.50 each instead of a combined one of $21. Matthew's lunch: Matthew: $0 Mark: $10.50 (own) + $3.50 Luke: $10.50 + $3.50 John: $10.50 + $3.50 Total: $42.00 Mark's lunch: Matthew: $10.50 + $3.50 Mark: $0 Luke: $10.50 + $3.50 John: $10.50 + $3.50 Total:...
by harikaried
Sat Mar 21, 2015 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3833
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