Search found 914 matches

by harikaried
Thu Apr 28, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 69
Views: 4672

Re: Selling in May and Walking Away?

Stay in May and walk away?
by harikaried
Wed Apr 27, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 193
Views: 8543

Re: Soapbox (car safety features)

So answer me this. Why on a site where people will beat to death the debate of Keurig K-Cup being a waste of $.0314159 per cup over using a regular drip coffee maker, that those same people so eagerly jump to spend an additional $5k, $10k, $20k+ on these new auto safety features, even though they'v...
by harikaried
Sun Apr 24, 2016 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 97
Views: 7982

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

The ones with warm weather would be Florida, Nevada, and Texas. Personally I like snow and cold weather, so I think Alaska, Washington, and Wyoming sound nice. Another factor to consider might be estate/inheritance tax. Of the above, Washington and Nevada have estate/inheritance taxes. Are you sure...
by harikaried
Sun Apr 24, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Trust - Am I being Bamboozled?
Replies: 50
Views: 4771

Re: Irrevocable Trust - Am I being Bamboozled?

Given that this is cash expected to be used up in the process of paying for mom's expenses with a trusted child who is looking out for mom... Any reason to not just directly gift the money to the child? There probably won't be much step up basis benefit maintained by having the money in a trust. Ide...
by harikaried
Fri Apr 22, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: NEW Funds added to 401K Help
Replies: 6
Views: 412

Re: NEW Funds added to 401K Help

This might be easier for people to scan (expense ratio, symbol, category, name): 0.72% MITHX Large Cap U.S. Stock MFS Massachusetts Investors Tr R3 0.74% MIGHX Large Cap U.S. Stock MFS Massachusetts Investors Gr Stk R3 0.74% MSFHX Balanced MFS Total Return R3 0.76% FTBRX Diversified Bond Fidelity Ad...
by harikaried
Fri Apr 22, 2016 3:13 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7075

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

You asked something similar back in October: "I am scared of a bear is it ok to take longer to go in?" https://www.bogleheads.org/forum/viewtopic.php?f=2&t=175566 If you were in then, you would be up probably 5% in half a year. But then maybe you would have sold in January/February? Or...
by harikaried
Wed Apr 20, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Save how much before paying off mortgage?
Replies: 4
Views: 718

Save how much before paying off mortgage?

If one wants to save enough money so that when paying off the mortgage in a lump sum, one would be able to cover the same amount of monthly expenses before/after, what's the savings threshold? Before paying off the mortgage, one has S savings and monthly E expenses, so S / E months of covered expens...
by harikaried
Wed Apr 20, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 193
Views: 8543

Re: Soapbox (car safety features)

But that automatic braking systems will really cost someone at least $4K more and maybe $11K more, not $800. The issue is you have to buy the higher end car (Subaru 3.6R is about $37K) versus the standard model (Subaru 2.5i is about $26K) and you have to add all kinds of features to that high end c...
by harikaried
Sat Apr 16, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 9968

Re: mortgage pre payment, why?

How did a 45% bonds, 45% stock, 10% cash portfolio do in your case. Here's the numbers assuming 3% portfolio growth each year except for 2 years of 10% portfolio loss. Again with the mortgage, net $0 saved each month vs $4k saved each month without mortgage: $500k -> $515k -> $530k -> $477k -> $430...
by harikaried
Sat Apr 16, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 9968

Re: mortgage pre payment, why?

boglebill2015 wrote:WHy did you use a 9% mortgage in your case? (thats 4K a month on 500K
I didn't. You can easily have a $4k payment with a 3.875% 30-year mortgage if the original loan balance was $800k, which is not unusual for California.
by harikaried
Sat Apr 16, 2016 2:55 am
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 9968

Re: mortgage pre payment, why?

I am still better off with 300K and a 4K a month mortgage than 40K (which would only be 24K in your doomsday scenario) and no mortgage. This "doomsday scenario" actually happened in 2007-2009 where a 20% drop was followed by a 25% drop. If you want to compare with "how many months be...
by harikaried
Sat Apr 16, 2016 12:48 am
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 9968

Re: mortgage pre payment, why?

I'd rather have 500K in cash and a 500K mortgage, then no cash and no mortgage. How would you feel if you had $400k in cash/invested and a $500k mortgage compared to no mortgage and having $4000 to save/spend/invest each month? What if a year later your original $500k cash is now $300k and still ow...
by harikaried
Thu Apr 14, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 193
Views: 8543

Re: Soapbox (car safety features)

Why would I want my driving/speed dictated by whomever happens to be in front of me? For example... Here's some more likely examples: You're cruising along at 70mph and someone slowly entered the lane several cars ahead resulting in everyone slowing down to 65mph before the entering car speeds up. ...
by harikaried
Wed Apr 13, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: Bay Area Survey: 83% building wealth, 71% confident reaching goals, 68% have financial plan
Replies: 3
Views: 1033

Bay Area Survey: 83% building wealth, 71% confident reaching goals, 68% have financial plan

Pages 17 through 28 have results from a Charles Schwab survey of San Francisco Bay Area residents on Personal Finance and Equity Compensation: https://aboutschwab.com/images/uploads/inline/Charles_Schwab_SF_Bay_Area_Survey_Full_Findings.pdf On equity compensation: 65% don't use financial professiona...
by harikaried
Tue Apr 12, 2016 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k contributions not subject to short-term trading fees?
Replies: 1
Views: 221

Fidelity 401k contributions not subject to short-term trading fees?

My 401k at Fidelity has various funds that have short-term trading fees, e.g., "SPTN INTL INDEX ADV (FSIVX): Short term trading fees of 1% for fee eligible shares held less than 90 days." When setting up future contribution investment elections, it gives a warning: "Fees might be asse...
by harikaried
Tue Apr 05, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 17417

Re: Tesla Model 3 anyone?

Build sports car Use that money to build an affordable car I guess the Model S is the "affordable car" (yikes!) The base price for the sports car Roadster was $109,000. There initially was a 40 kWh Model S that started at $59,900, so that was relatively affordable, but it got discontinued...
by harikaried
Mon Mar 28, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: When to start prepaying an adjustable rate mortgage?
Replies: 6
Views: 847

Re: When to start prepaying an adjustable rate mortgage?

This is lower than the after-tax rate on a 15-year mortgage. If you pay down the mortgage so that it is paid off in 10 years, your payments have a duration of 12.5 years. Oh right, prepayments will shorten the duration of the mortgage, so that makes the case of prepaying a 30-year mortgage even str...
by harikaried
Sun Mar 27, 2016 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Opening multiple credit cards for bonuses?
Replies: 30
Views: 2418

Re: Opening multiple credit cards for bonuses?

Fieldsy1024 wrote:21 or more? wth?
It's counting all accounts opened or closed. If you refinance a mortgage, you'll have at least 2 accounts. Basically it's counting the number of times someone has approved lending to you whether a loan or credit line.
by harikaried
Sun Mar 27, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: When to start prepaying an adjustable rate mortgage?
Replies: 6
Views: 847

When to start prepaying an adjustable rate mortgage?

Assuming the goal is to pay off an adjustable rate mortgage loan when it adjusts, when should one start prepaying the mortgage instead of investing in bonds/CDs? Current 5/1 ARMs are available at 2.75% while highest pre-tax yields for the same 5-year maturity: 1.7% CDs, 1.5% US Treasury, 2.0% Agency...
by harikaried
Sat Mar 26, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Opening multiple credit cards for bonuses?
Replies: 30
Views: 2418

Re: Opening multiple credit cards for bonuses?

Over the last year, we've opened up almost 15 credit cards between the two of us each averaging over $500 in rewards (sign up bonuses, reimbursements, cashback from meeting spend requirements). We basically got two of each of the top ranked cards from this list: http://www.doctorofcredit.com/best-ca...
by harikaried
Sat Mar 26, 2016 1:18 am
Forum: Personal Finance (Not Investing)
Topic: No debt, want to downsize,should we take loan for some, upgrades to house before selling?
Replies: 15
Views: 1102

Re: No debt, want to downsize,should we take loan for some, upgrades to house before selling?

While most homes, even those with updates,sell for $350K or less, one home really stood out, completely renovated. It went for over $500K, the highest price on the street Do you know how much money and time they put into the renovations? You mention some things need updates -- sometimes an old leak...
by harikaried
Thu Mar 24, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 118
Views: 15739

Re: Costco AMEX Transition - Costco has no answers

4% cash back on eligible gas worldwide 3% cash back on restaurant and eligible travel purchases worldwide 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases For us, we'll be getting rid of 2 credit cards in June: Fidelity AmEx (2% everywhere) and Citi...
by harikaried
Thu Mar 10, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 57
Views: 16283

Re: Costco and AMEX

Elsebet wrote:● Beginning June 20, 2016 Costco will no longer accept American Express cards in its warehouses, gas stations or online at Costco.com.
Looks like Costco is /really/ cutting off from American Express. Costco.com currently accepts VISA, MasterCard, Discover, American Express.
by harikaried
Tue Mar 08, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: backdoor roth ira: $50 needs to be remained in tIRA? [Fidelity]
Replies: 9
Views: 645

Re: backdoor roth ira: $50 needs to be remained in tIRA? [Fidelity]

Pretty sure you can choose to leave the tIRA account open. You can do all of this online: https://moneymovement.fidelity.com/ftgw/fbc/mm/mmRCBuffer You can get there by.. ⋅ View your Roth IRA Summary page ⋅ Click "Convert an IRA to this Roth IRA." ⋅ Select tIR...
by harikaried
Mon Mar 07, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: 3% down vs 20% down math
Replies: 9
Views: 1164

Re: 3% down vs 20% down math

My calculations tell me that the difference in total interest paid over the life of the loan is $89,755.62 compared to the $68,000 saved initially by having a smaller down payment The difference in interest paid is correct, but the $68,000 will still need to be paid for the 3%-down loan. That means...
by harikaried
Thu Mar 03, 2016 6:45 pm
Forum: Investing - Theory, News & General
Topic: Just lost 4.08% on Forever stamps.
Replies: 63
Views: 6875

Re: Just lost 4.08% on Forever stamps.

Good thing there's so many designs for the forever stamps:

https://store.usps.com/store/browse/sub ... ver-stamps

I'm sure you can find something that's not substantially identical to the ones you bought? ;)
by harikaried
Wed Feb 17, 2016 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Should I bother itemizing tax deductions?
Replies: 70
Views: 7230

Re: Should I bother itemizing tax deductions?

It seems unfair that a small business owner can deduct all work related expenses, and I can't even deduct a completely legitimate expense. One could easily look at this as it's unfair that a small business needs to track every expense while an individual gets a standard deduction even without any e...
by harikaried
Sat Feb 06, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Portfolio: Next Steps
Replies: 5
Views: 926

Re: Simplifying Portfolio: Next Steps

Here's the portfolio percentages and amounts by accounts: Cash 1.8% $25k Mutual Funds Held at EJ 12.88% $179k Exchange Traded Mutual Funds Held at EJ 0.35% $5k Individual Stocks Held at EJ 9.25% $128k Mutual Funds Held at Vanguard 0.87% $12k (Total Taxable 23.35% $324k) His Roth IRA at EJ 3.57% $50k...
by harikaried
Thu Jan 21, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: TLH checklist
Replies: 7
Views: 591

Re: TLH checklist

If I'm happy with VFWAX, then I just start contributing again and hold onto it until the next TLH opportunity. What are you adding money to? You could buy VTIAX if you prefer it more than VFWAX, but make sure it's outside of the wash sale window. Alternatively, you could just buy more VFWAX to keep...
by harikaried
Thu Jan 21, 2016 3:28 am
Forum: Personal Consumer Issues
Topic: Cutting the cord!
Replies: 17
Views: 2325

Re: Getting Rid of the Landline

"1.Google Voice is not a carrier, so you must set up a new cell phone plan (with your existing carrier or a new carrier) and request a new number. So, wouldn't this require an extra cell phone line....not understanding how it would be really different from the GoPhone we have it on now? Depend...
by harikaried
Tue Jan 19, 2016 11:17 pm
Forum: Personal Consumer Issues
Topic: Cutting the cord!
Replies: 17
Views: 2325

Re: Cutting the cord!

You can port your "mobile" number to Google Voice for a one-time $20 fee. I believe now that your number is already used with AT&T Go Phone, you can port it to Google Voice like any mobile phone number. After it's a Google Voice number, you can have it forward calls to other phone numb...
by harikaried
Thu Jan 14, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Differences among Vanguard International funds?
Replies: 27
Views: 6505

Re: Differences among Vanguard International funds?

Just be cautious with TD Ameritrade's short term trading fee. Ah yes. We recently moved to TD Ameritrade to get the cash bonus and free trade bonus. We explicitly don't want to use the commission-free ETF feature to avoid the associated short term trading fee. The 500 free trades does not have the ...
by harikaried
Wed Jan 13, 2016 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Differences among Vanguard International funds?
Replies: 27
Views: 6505

Re: Differences among Vanguard International funds?

Thanks for the handy graphic. I'm sure people will appreciate it as they TLH among the various choices. Not included but not entirely wrong to exclude from the graphic is VTWSX / VT (total world) which is roughly 54% US and 46% International. For us, we'll probably go VSS -> VEU -> VXUS -> VEA -> VT...
by harikaried
Thu Jan 07, 2016 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Exchange International again ? To what ?
Replies: 28
Views: 1772

Re: TLH Exchange International again ? To what ?

If you need more TLH partners, there's plenty more:

Here's a growth chart comparing various over the last year:

VTWSX: Total World
VTIAX: Total International
VFWAX: Large International
VTMGX: Developed International
VFSVX: Small International
by harikaried
Thu Jan 07, 2016 2:09 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale: what does "within 30 days" mean?
Replies: 10
Views: 723

Re: Wash sale: what does "within 30 days" mean?

To me, "within" means "before the end of." So "within 30 days" means <30 days. What does within 1 day mean to you? If you sold on 8/24 and bought on 8/25, would you consider that within 1 day? Or within 1 day to you means if you sold and bought on the same day? Or perh...
by harikaried
Wed Jan 06, 2016 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Best 529 with no in-state benefit?
Replies: 8
Views: 724

Re: Best 529 with no in-state benefit?

I switched to Nevada because I could manage everything through my Vanguard account whereas Utah invested in Vanguard but required separate accounts and a different site. Convenience has some value too. whatistiaa, where are your other accounts? Vanguard? Fidelity? With Vanguard, NV 529 has index fu...
by harikaried
Wed Dec 30, 2015 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: what is the best short term mortgage
Replies: 6
Views: 455

Re: what is the best short term mortgage

In our experience from a few years ago, you could get ⅛% rate increase usually for 0.5 point (and sometimes 1 point) of credit. This means for a loan of $400k, 1 point of credit is $4000 that you can use towards closing costs and principal curtailment. I believe we aimed for -2 points of credit for ...
by harikaried
Wed Dec 30, 2015 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ameritrade, Fidelity, Vanguard
Replies: 16
Views: 1807

Re: Ameritrade, Fidelity, Vanguard

You can get $600 from TDAmeritrade when moving over $250k in addition to the usual commission-free Vanguard ETFs. You should be able to open everything online directly or through their electronic message system.
by harikaried
Tue Dec 29, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Solo 401k
Replies: 10
Views: 561

Re: Fidelity Solo 401k

The plan administrator can make a phone call to Fidelity to have the money transferred from a brokerage/cash account to the solo 401k account if both are accessible from the same login.

800-544-5373 -> press 3 "set up a small business retirement"
by harikaried
Tue Dec 29, 2015 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Money From Schwab to Vanguard
Replies: 7
Views: 670

Re: Moving Money From Schwab to Vanguard

Can you write checks from your Schwab account? If so, you can set up the routing/account number like any other bank ACH:

https://client.schwab.com/areas/service ... ingnumbers
by harikaried
Mon Dec 28, 2015 2:16 am
Forum: Personal Consumer Issues
Topic: soylent?
Replies: 15
Views: 1697

Re: soylent?

The whole idea is for people who (i) don't cook and (ii) don't enjoy food, to obtain their required nutrition. Some people probably fall into those categories might be interested in Soylent, but many others can enjoy it too. From the website: Soylent™ was developed from a need for a simpler food so...
by harikaried
Sun Nov 08, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: Sequence of Returns
Replies: 23
Views: 2483

Re: Sequence of Returns

Perhaps another interesting note is if the starting balance was $200k and the same $7k was withdrawn each year.. Fund A would end up with over $900k but more importantly Fund B would end up with over $400k, which is more than what Fund A ended with when starting with $100k. So saving more before nee...
by harikaried
Fri Nov 06, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Citi Thank You Points Redemption
Replies: 8
Views: 859

Re: Citi Thank You Points Redemption

We usually use Thank You Points for flights, but doing some quick searches for hotels, they do seem more expensive. E.g., hotels near NYC checkin Jan 1: The Ritz-Carlton New York, Central Park thankyou: From 73,996 Points Avg. per night or $924.96 priceline: $795/night BEST WESTERN PLUS Hospitality ...
by harikaried
Thu Nov 05, 2015 12:02 pm
Forum: Investing - Theory, News & General
Topic: "A Look at Vanguard's Robo-Advisor"
Replies: 36
Views: 6371

Re: "A Look at Vanguard's Robo-Advisor"

it's not like the Schwab cash is accessible. If you take $$$ out of it, they'll sell your stocks to replenish your cash. Schwab uses cash (and for rebalances in general) when some position exceeds the rebalancing threshold. So you could actually take some money out without causing it to sell stocks...
by harikaried
Mon Nov 02, 2015 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Question: Higher Rate Loan for Lender Credits, then refinance?
Replies: 10
Views: 822

Re: Mortgage Question: Higher Rate Loan for Lender Credits, then refinance?

Would that mean that I take the $1,900 Fee on the 3.625% rate and convert it into points for the 300k loan? That comes to around 0.63 points? And the -$4,200 Credit on the 3.99% rate will be negative points? Would that be -1.4 points? Yes. The interest rate doesn't affect the points calculation. It...
by harikaried
Mon Nov 02, 2015 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Question: Higher Rate Loan for Lender Credits, then refinance?
Replies: 10
Views: 822

Re: Mortgage Question: Higher Rate Loan for Lender Credits, then refinance?

whatever the difference would be is lost as lender credits cannot be applied to principal Ask the lender if extra credits can be used towards "principal curtailment," i.e., pay down principal. If so, you might look into even higher interest rates for even more credits. Just make sure it's...
by harikaried
Sun Nov 01, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have?
Replies: 91
Views: 7404

Re: How Many Credit Cards Do You Have?

20 cards not including authorized signer cards sorted by usage: Priceline Visa: 2.2% cashback (2% everything + 10% back for travel redemption) Citi Forward: 6.25% air travel (5% restaurant/bookstore/entertainment + 25% ThankYou for air w/ Premier) Sallie Mae Mastercard: 5% cashback (5% gas/groceries...
by harikaried
Fri Oct 30, 2015 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 42289

Re: Changes to Social Security

From a quick news search, it looks like suspending own to take survivor benefit is unchanged. Is that correct?
by harikaried
Fri Oct 23, 2015 7:09 pm
Forum: Personal Consumer Issues
Topic: Over tipping, large tips
Replies: 10
Views: 1475

Re: Over tipping, large tips

One time I went to get my hair cut and found a place that had just opened less than a week ago. The person cutting my hair was still unpacking her tools, so I was her first customer. I usually only carry around $20 bills, so after we were done, I had the owner split it to two $10s. I paid $10 for th...
by harikaried
Thu Oct 22, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Thoughts On Moving Over Cost of Living
Replies: 9
Views: 1408

Re: Thoughts On Moving Over Cost of Living

We moved from San Jose to Reno. Replaced hour+ commute to Mountain View with a few minutes bike ride. Main savings is from lower housing costs (below current median price of 3bd/2ba 2000sqft): Bay Area: $1,200,000 house = $4,350/mo mortgage + $850/mo property tax Reno: $320,000 house = $1,150/mo mor...

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