Search found 994 matches

by harikaried
Thu Aug 25, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 36
Views: 2812

Re: Favorite Asian Vacation?

I hear that Kaohsiung is more laid back and surrounded by some beautiful beaches, but it would be a shame to go to Taiwan and skip the capital. Perhaps we can fit both into a week =) You can take the Taiwan High Speed Rail (台灣[湾]高鐵[铁]) to get from Taipei to Kaohsiung in less than 2 hours. I suppose...
by harikaried
Wed Aug 24, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: How do you view debt?
Replies: 97
Views: 4870

Re: How do you view debt?

AlohaJoe wrote:The hospital was built with a bond.
A quick search shows this is the only mention of bonds. I wonder how people view bonds ("an instrument of indebtedness of the bond issuer to the holders")?
by harikaried
Tue Aug 23, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: SolarCity SolarBonds 6.5%
Replies: 28
Views: 3377

Re: SolarCity SolarBonds 6.5%

Looks like at least some people are buying these bonds with large amounts of money. http://www.bloomberg.com/news/articles/2016-08-23/musk-and-rive-brothers-buying-100-million-of-solarcity-bonds Elon Musk and his cousins Lyndon Rive and Peter Rive are buying $100 million of solar bonds from their ro...
by harikaried
Mon Aug 22, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 36
Views: 2812

Re: Favorite Asian Vacation?

What languages do you know? Taiwan could be simple enough for reading and speaking Chinese. Japan can be doable with the shared kanji characters.
by harikaried
Thu Aug 18, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: credit score hit when closing cc accounts?
Replies: 11
Views: 622

Re: credit score hit when closing cc accounts?

Closing the oldest credit card shouldn't have an impact immediately as it still stays on your credit history for the next 10 years. And if you don't open any new accounts for the next 10 years, the average age of accounts will be roughly 10 years older.
by harikaried
Thu Aug 18, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 58
Views: 5196

Re: Cell phone data plans

My wife and I switched to Ting last year. The average customer total monthly bill is $23 (assuming roughly 500mb usage) and you only pay for what you use instead of buying a laddered data plan like many other carriers offer. Here is their pricing breakdown https://ting.com/rates . Their website sti...
by harikaried
Thu Aug 18, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: credit score hit when closing cc accounts?
Replies: 11
Views: 622

Re: credit score hit when closing cc accounts?

Some card issuers allow you to consolidate credit lines. We just moved the whole credit line from one Barclaycard cc to another with a simple phone call. I know Citicards does not. We've done it in the past with Chase cards. Keeping the credit line helps maintain your overall card utilization as opp...
by harikaried
Thu Aug 18, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: TaxCaster Interface
Replies: 18
Views: 733

Re: TaxCaster Interface

novicemoney wrote:What about Tax Act? https://www.taxact.com/tools/tax-calculator.asp
Nice! If you need to have any (non-deduction) miscellaneous adjustments to AGI, e.g., self-employed 401k, you can put a negative value for "State tax refund" to lower the total income.
by harikaried
Mon Aug 15, 2016 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Time to sell VTIAX
Replies: 10
Views: 1390

Re: Time to sell VTIAX

as compared to the Foreign Stock Category Average (as published by AAII) I'm not familiar with AAII, but their homepage's top items: Choose Winning Stocks - What approaches to stock selection actually work? We've distilled landmark research studies and real-world results to show you the best ways t...
by harikaried
Fri Aug 12, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 4907

Re: Payoff Debt at Sacrifice of Leisure?

- $716 student loan 1 (6.8% $17,304 balance left) - $198 student loan 2 (3.7% $17,464 balance left) - $150 student loan 3 (0.0% $9,195 balance left) Total Loan Payments: $1,064 Monthly Budget Total excluding loans: $3,573 Final Disposable Income: $3,427 $70k in combined emergency fund The two of yo...
by harikaried
Fri Aug 12, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 30
Views: 3333

Re: Fidelity Rewards Visa 2% cash back

We have the card but only as a backup on Android Pay. We would definitely use it for all our purchases if we didn't have the grandfathered Priceline Visa, which is a 2% cashback card that has redemption bonuses for Priceline purchases making it a 3.3% cashback card for us. We used to have the Fideli...
by harikaried
Wed Aug 10, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6151

Re: Should I lease a Tesla?

There was another AP related crash in China reported today in the press, hopefully safety authorities around the world force Tesla to disable it until they can prove it is safe. The driver admitted to not paying attention as he was looking at his phone. https://electrek.co/2016/08/10/tesla-driver-a...
by harikaried
Thu Aug 04, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 36
Views: 4074

Re: Switching to Fidelity's new Total International Index (includes small cap!)

Other than its inception day of June 7th, FTIPX seems to be tracking its index (MSCI ACWI ex US IMI) pretty closely. iShares ETF IXUS tracks the same index and since June 8th to yesterday, the $10k growth for the two are $9,920 FTIPX and $9,934 IXUS. That's less than a 0.15% difference. Compared to ...
by harikaried
Thu Aug 04, 2016 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Marriage, budgeting, and taxable accounts
Replies: 41
Views: 2677

Re: Marriage, budgeting, and taxable accounts

One possible "solution" is simply re-label it as "savings for my dream car" or some such rather than "investment." How about just calling it a gambling account? It would be accurate without even needing a fancy story of saving a trip to Vegas. I told my wife I wanted t...
by harikaried
Wed Aug 03, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 5892

Re: Points/Miles Schemes - Waste of time or worth it?

You should have seen the blood in the water when AMEX, apparently by mistake, reopened their Platinum card for a 100,000 point bonus Our latest 2 credit cards were this AmEx Platinum, and so far it's been a waste of time with AmEx freezing pretty much all points accounts for an indefinite amount of...
by harikaried
Wed Aug 03, 2016 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling to pull the trigger...
Replies: 25
Views: 2494

Re: Struggling to pull the trigger...

Total value is somewhere around 250k. I think that when we didn't actually have much money, it was easier to for me to invest - nowhere to go but up! You're adding $18k to $250k, so the additional money is just over 5% of your total retirement assets. Are you more concerned that your $250k will dro...
by harikaried
Wed Aug 03, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Rebalance plan
Replies: 2
Views: 237

Re: 529 Rebalance plan

lernd, you've previously said you have a Vanguard Nevada 529 . Vanguard provides 3 different age based portfolios: conservative, moderate, and aggressive: https://investor.vanguard.com/529-plan/age-based-options The moderate plan seems to be what you're getting at. Age 5 = 25% bonds. Age 10 = 50% bo...
by harikaried
Wed Aug 03, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick one Fidelity fund that will be all I need
Replies: 19
Views: 2280

Re: Help me pick one Fidelity fund that will be all I need

avp1234 wrote:I just feel better with less risk.
Do you have other retirement/investment accounts? You could probably just stay with FFNOX and buy more bonds elsewhere, e.g., in a 401k, so your overall asset allocation is closer to what you want but still with the simplicity of one fund for IRAs.
by harikaried
Wed Aug 03, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: To Lasik or not?
Replies: 34
Views: 1762

Re: To Lasik or not?

uclalee wrote:Thinking about getting Lasik at the end of the year
Does your employer offer a Flexible Spending Account? You can use the FSA to pay for Lasik to clear out any remaining current year balance and even at the beginning of the year when the account hasn't fully funded.
by harikaried
Wed Aug 03, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Struggling to pull the trigger...
Replies: 25
Views: 2494

Re: Struggling to pull the trigger...

freeflowme wrote:When I made a big investment on Jan 1, 2016 and then the market tanked for a few months
What is that money doing now? Do you have other money invested right now? Is the new contribution much larger or smaller or similar in amount to what's already invested?
by harikaried
Thu Jul 28, 2016 9:29 pm
Forum: Personal Consumer Issues
Topic: google sheets - so frustrating...
Replies: 26
Views: 2255

Re: google sheets - so frustrating...

The only way I was able to get Google Spreadsheets to result in 0 for the =SUM(G30,F30) and #VALUE for =G30-F30 is with G30 == "8.92%..." and F30 == "3.61%..." Using regular percentages and numbers even with additional spaces gives correct calculations.
by harikaried
Thu Jul 28, 2016 2:01 am
Forum: Investing - Help with Personal Investments
Topic: Redemption fees for Fidelity Index (nee Spartan) Funds
Replies: 24
Views: 1792

Re: Redemption fees for Fidelity Index (nee Spartan) Funds

Pretty sure the redemption fees are calculated with FIFO (first-in-first-out), so if you had existing shares and recently bought some but then needed to rebalance, the old shares would be used for determining if redemption fees are charged. Vanguard recommended to the SEC that LIFO (last-in-first-ou...
by harikaried
Wed Jul 27, 2016 11:21 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Go (Robo-Service) has launched nationwide
Replies: 19
Views: 3360

Re: Fidelity Go (Robo-Service) has launched nationwide

Interesting twist of including the underlying fund fees in the .35%-.40% management fee. This makes the fees more directly comparable to target date funds. The Fidelity Freedom 2045 fund has an expense ratio of 0.77% whereas the Fidelity Freedom Index Fund 2045 has an expense ratio of 0.16%. If some...
by harikaried
Tue Jul 26, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: Why does ITOT appear to be down 50%?
Replies: 6
Views: 1117

Re: Why does ITOT appear to be down 50%?

Fidelity's Purchase History / Lots view for ITOT shows the quantity now doubled for the lot that was purchased pre-split also with the cost per share halved to maintain the cost basis.
by harikaried
Sun Jul 17, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: When traveling what do you use to bank online safely
Replies: 44
Views: 2490

Re: When traveling what do you use to bank online safely

A general note about using WiFi, if you don't need to enter a password when selecting the network, be careful about what sites you visit as anyone on that WiFi network can easily see what sites you're going to. This typically includes networks that have an in-web-page accept-to-use or login page. If...
by harikaried
Thu Jul 14, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Another "should I refinance" thread
Replies: 11
Views: 786

Re: Another "should I refinance" thread

I am not that familiar with ARMs to be honest. Isn't that what precipitated the housing crisis to a large extent? So it can adjust up 2 every 5 years? So in 5 years it could be 4.5. Then in another 5 years 6.5. What if I'm still in my house in 10 years You'll need to check the details of the ARM. F...
by harikaried
Thu Jul 14, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Another "should I refinance" thread
Replies: 11
Views: 786

Re: Another "should I refinance" thread

PenFed's 5/5 ARM adjusts up by at most 2%, so the current 5/5 2.5% will have a rate no worse than your current 4.5% at least for 5 years after the first adjustment. $257k @ 2.5% ARM: $1,015.47/mo $257k @ 3.575%: $1,164.84/mo So if refinancing to 3.575% would save you $195/mo, getting the 2.5% should...
by harikaried
Wed Jul 13, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34393

Re: [Fidelity drops AmEx, Bank of America credit cards]

I see no guidance about setting up the date of autopay. You go to set it up and it asks what day of the month you want to pay. How about on the due date, but there's no information readily seen on the website as to the new closing date, the grace period, etc. For us, the Account Summary page shows ...
by harikaried
Fri Jul 08, 2016 6:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 4869

Re: Fidelity customers: Have you experienced pressure to buy active funds?

Been at Fidelity for almost 10 years with various IRAs, 401k, solo 401k, 529, brokerage, cash management, and credit card accounts. The closest thing to soliciting "active funds" would probably be from my employer notifying people of a new service available to the 401k plan: "Fidelity...
by harikaried
Thu Jul 07, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6605

Re: What is your overall portfolio weighted expense ratio

Fidelity is cutting fees everywhere including the 529 accounts!

Our overall portfolio including retirement, taxable brokerage, 529, charitable accounts is now 0.087%. Thanks Fidelity for lowering our overall investment expenses by ~20%.
by harikaried
Thu Jul 07, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Fido reduces 529 fees - very competitive
Replies: 7
Views: 470

Re: Fido reduces 529 fees - very competitive

Nice! We have the 529s invested in just Total Market Index where the overall expenses used to be 0.19%. According to the Investment expenses section as of 7/1/2016: https://www.fidelity.com/new-hampshire-529/overview.shtml Total Market Index Portfolio Estimated Underlying Fund Expenses 0.02% Program...
by harikaried
Fri Jul 01, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9415

Re: How many of you have cut cord?

Last we had cable TV was part of our rent, so when we bought our house 7 years ago, we cut the cord. Probably saved almost $5000 in that time not paying for cable TV. Although we probably paid 15% of that savings for Netflix and Amazon Prime.
by harikaried
Fri Jul 01, 2016 12:51 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6605

Re: What is your overall portfolio weighted expense ratio

harikaried wrote:0.107% including 529 plans. 0.092% without 529 plans.
Almost a month later with the market movement and primarily Fidelity reducing fund fees, the current weighted expense ratios:

0.099% including 529 plans
0.084% without 529 plans
0.066% without 529 plans or Vanguard funds (we only have VSS)
by harikaried
Fri Jul 01, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 123
Views: 9371

Re: Fidelity Cutting Fees on Index Funds

The advertisement's headline is in boldface all caps, "Fidelity's Index Funds Beat Comparable Vanguard Funds On Expenses" Fidelity also has a web page with that same title: https://www.fidelity.com/mutual-funds/investing-ideas/index-funds All of our 16 index funds have lower expense ratio...
by harikaried
Thu Jun 30, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says we owe over $2 million -- when to round amounts?
Replies: 20
Views: 5570

Re: IRS says we owe over $2 million -- when to round amounts?

Well... gas stations seem to always throw in a extra 9 thousandths of a dollar in their price. ;)
by harikaried
Thu Jun 30, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 36
Views: 4074

Re: Switching to Fidelity's new Total International Index (includes small cap!)

We already exchanged from FSGDX to FTIPX using the full trade window: ⋅ Page 1: Sell a Mutual Fund and use the proceeds to buy another mutual fund. ⋅ Page 2: Sell all Shares ⋅ Page 2: BUY Fund FTIPX The new mobile-friendly movable trade ticket window is even faster: &sd...
by harikaried
Thu Jun 30, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says we owe over $2 million -- when to round amounts?
Replies: 20
Views: 5570

Re: IRS says we owe over $2 million -- when to round amounts?

Yup, we got a hard copy letter, so I've scanned all of it and took an extra picture specifically on the paragraph/table: "We believe there's a miscalculation on your December 31, 2015 Form 709. We made changes to your return that correct this error. As a result, you owe $2,330,910.72." Bil...
by harikaried
Wed Jun 29, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 123
Views: 9371

Re: Fidelity lowers expense ratio of some index funds

If I did my math right, I believe these lower expense ratios result in about a $50 savings each year for us.
by harikaried
Tue Jun 28, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 36
Views: 4074

Switching to Fidelity's new Total International Index (includes small cap!)

Two weeks ago, Fidelity announced a new Total International Index Fund (FTIPX) which tracks MSCI All Country World Index ex USA Investable Market: http://www.businesswire.com/news/home/20160614005944/en/Fidelity%C2%AE-Strengthens-Index-Mutual-Fund-Line-up-Launches https://fundresearch.fidelity.com/m...
by harikaried
Tue Jun 28, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: IRS says we owe over $2 million -- when to round amounts?
Replies: 20
Views: 5570

Re: IRS says we owe over $2 million -- when to round amounts?

After 20 minutes on the phone waiting, all the IRS provided was that they'll look at it again and to call back after 30-45 days if we don't get an updated mailing. The representative did confirm that one spouse's Form 709 has a $0 balance instead of the $2 million balance, so hopefully we end up wit...
by harikaried
Mon Jun 27, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says we owe over $2 million -- when to round amounts?
Replies: 20
Views: 5570

IRS says we owe over $2 million -- when to round amounts?

We filed form 709s for splitting 529 gifts across 5 years between 2 spouses, so the split dollar amounts were the original amount divided by 10. The forms were prepared digitally with the extra cents precision after the division by 10, and I believe the IRS thinks we gave a gift of $10,000,000 inste...
by harikaried
Fri Jun 24, 2016 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Worth it to refinance 15 year fixed 3.125 -> 2.75
Replies: 28
Views: 2704

Re: Worth it to refinance 15 year fixed 3.125 -> 2.75

You might want to double check the numbers today for current mortgage rates. Looks like some places have lowered probably because of Brexit.
by harikaried
Wed Jun 22, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX Schwab platinum card
Replies: 10
Views: 1052

Re: AMEX Schwab platinum card

$450 annual fee. wow. must have some great bennies but i stopped reading at that point. At a quick glance: http://www.schwab.com/public/schwab/investing/accounts_products/credit_cards $200 (x2) airline fee credit each calendar year $100 global entry / tsa pre-check credit $500 Schwab brokerage from...
by harikaried
Tue Jun 14, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Question on where to get down payment for new home
Replies: 1
Views: 348

Re: Question on where to get down payment for new home

We are currently maxing out all tax deferred space and don't really want to try and temporarily stop to save for downpayment with thoughts of making up the difference later. If these are 401k accounts... not a common/popular option (and I don't have any experience of doing it myself), you could pot...
by harikaried
Tue Jun 14, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: is closing a new credit card beneficial to credit rating
Replies: 7
Views: 742

Re: is closing a new credit card beneficial to credit rating

Depending on the card issuer, if you have another credit card with them, you might be able to request to move the whole credit line to the card that you want to keep. This will close the card you don't want while maintaining the total credit line that gets used for credit score computations.
by harikaried
Tue Jun 14, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Recast Question
Replies: 13
Views: 995

Re: Mortgage Recast Question

But, the first bunch of payments are almost all interest again. Not so if you throw extra cash at the current mortgage. And, not cool to throw $100k toward a recast and still be paying mostly interest.. IMO. True that the proportion of a monthly payment towards interest is higher when recasting com...
by harikaried
Sun Jun 12, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 7576

Re: Your shopping strategy for new tires?

Costco seems quite popular. What's the turnaround time for getting a rotation? Can you make an appointment ahead of time?

We were traveling and needed to get the tires replaced, and across several Costcos, the soonest we could get the car worked on was 3 hours.
by harikaried
Fri Jun 10, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Refininace mortgage [is it worth it]
Replies: 16
Views: 1231

Re: Refininace mortgage [is it worth it]

We originally had a 4.125% 30-year loan with Citibank that we refinanced to a 2.625% 3/1 ARM three years ago. We'll be paying off the mortgage when it adjusts at the end of this year. (Somewhat amusingly, we recently received a notice of estimated change to interest rate and monthly payments given t...
by harikaried
Thu Jun 09, 2016 6:58 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6605

Re: What is your overall portfolio weighted expense ratio

0.107% including 529 plans. 0.092% without 529 plans. Highest dollar expense is from VSS.

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