Search found 887 matches

by harikaried
Sat Feb 06, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Portfolio: Next Steps
Replies: 5
Views: 866

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: 555

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: 2225

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: 2225

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: 26
Views: 5938

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: 26
Views: 5938

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: 1591

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: 584

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: 672

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: 430

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: 1711

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: 499

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: 587

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: 1622

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: 2321

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: 787

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: 34
Views: 5398

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: 712

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: 712

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: 6464

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: 457
Views: 35354

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: 1416

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: 1334

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...
by harikaried
Wed Oct 21, 2015 2:44 pm
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite - WiFi or WiFi + 3G option?
Replies: 18
Views: 1305

Re: Kindle Paperwhite - WiFi or WiFi + 3G option?

Do you have a smartphone with a data connection that you can share over WiFi for free?
by harikaried
Tue Oct 20, 2015 7:37 pm
Forum: Investing - Theory, News & General
Topic: NPR on Roboadvisors
Replies: 17
Views: 2861

Re: NPR on Roboadvisors

JinroSoju wrote:I cant find this series when I conduct a podcast search
This doesn't seem to be it's own podcast. The one from yesterday about 401k and today about roboadvisors were broadcast as part of Morning Edition, which covers a bunch of topics.

http://www.npr.org/programs/morning-edition/
by harikaried
Tue Oct 20, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Question
Replies: 6
Views: 539

Re: Turbo Tax Question

Effective Tax rate = Total tax (line 63 of IRS Form 1040) / Adjusted Gross Income (AGI, line 37 of IRS Form 1040) This only works when there's no additional "Other Taxes." The Effective Tax Rate in the summary is "Total Tax less Other Taxes" (line 56 of IRS Form 1040) divided by...
by harikaried
Thu Oct 08, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Where in the U.S. can I buy a house for under $250k that's a nice place to live?
Replies: 152
Views: 15908

Re: Where in the U.S. can I buy a house for under $250k that's a nice place to live?

Try northern Nevada. Housing is still cheap. You could find something for 250k. And rent is cheap too. Still close enough to Sacramento and Bay Area if you wanted to drive back http://www.city-data.com/city/Reno-Nevada.html#climate It does snow here in Reno, but most times it doesn't stick through ...
by harikaried
Wed Oct 07, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying multiple account rebalancing with percentages in a single account
Replies: 2
Views: 273

Re: Simplifying multiple account rebalancing with percentages in a single account

My 401K online interface provides a choice, by percentage or by dollar. This is an option each time you want to rebalance? I'm guessing you go to a rebalance page and choose one of these two options? I wonder if there's any brokerage accounts that allow for rebalancing by percentages instead of dol...
by harikaried
Tue Oct 06, 2015 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying multiple account rebalancing with percentages in a single account
Replies: 2
Views: 273

Simplifying multiple account rebalancing with percentages in a single account

I just simplified management of our various accounts by having only one fund in each account except for my 401k which has 3 funds (US/Intl/Bonds). My 401k at Fidelity does rebalancing with percentages instead of dollar or share amounts, so I just type in the percentage I want for each and hit rebala...
by harikaried
Thu Oct 01, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: Suggestions from Netlfix (or possibly Amazon) fans?
Replies: 62
Views: 5293

Re: Suggestions from Netlfix (or possibly Amazon) fans?

Lot's of good stuff on Netflix to binge watch Netflix recently provided numbers on how quickly viewers decide to finish watching the series: http://www.buzzfeed.com/brendanklinkenberg/netflix-has-found-the-binge-watching-point-of-no-return Perhaps you can infer that shows that get viewers hooked by...
by harikaried
Wed Sep 30, 2015 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for lasik operation?
Replies: 25
Views: 1707

Re: How to pay for lasik operation?

You can put $2550 pre-tax in next year's Health FSA and use it all at once for lasik next year.
by harikaried
Fri Sep 25, 2015 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: TLH, 30 days and timing
Replies: 9
Views: 560

Re: TLH, 30 days and timing

livesoft wrote:1. Use software to count 30 days. http://www.timeanddate.com/date/duration.html
This page might be easier to use:

http://www.timeanddate.com/date/dateadd.html

E.g., 31 days after 8/24 = http://www.timeanddate.com/date/dateadd ... 1=24&ad=31
by harikaried
Wed Sep 23, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Propel World 400 Bonus
Replies: 9
Views: 990

Re: Wells Fargo Propel World 400 Bonus

Jack FFR1846 wrote:Is the savings account "no fee"?
If you maintain $300 minimum balance in a Way2Save® Savings account, the monthly $5 fee is waived. https://www.wellsfargo.com/savings-cds/
by harikaried
Wed Sep 23, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Propel World 400 Bonus
Replies: 9
Views: 990

Re: Wells Fargo Propel World 400 Bonus

I just read through the terms and there is no requirement for a checking account. Various reports seem to indicate the card only gets approved if you have an existing relationship with Wells Fargo. We opened up a joint savings account and deposited $500 (with a credit card) about a month before app...
by harikaried
Wed Sep 23, 2015 4:29 am
Forum: Personal Finance (Not Investing)
Topic: Do I need an individual 401k for each job?
Replies: 6
Views: 740

Re: Do I need an individual 401k for each job?

How do you file Schedule C? Are the businesses of related activities?
by harikaried
Tue Sep 22, 2015 4:34 pm
Forum: Investing - Theory, News & General
Topic: Why not overweight international small caps? [VSS/VFSVX fund]
Replies: 21
Views: 1720

Re: Why not overweight international small caps? [VSS/VFSVX fund]

In practice, it seems like Intl SC (VSS) and All World (VEU) track pretty closely to each other, at least over the last 5 years. Interestingly, today I harvested VEU to VSS. We have already sold VXUS and VEA within the last month, so now we have a tilt towards Intl SC that we'll probably just hold ...
by harikaried
Mon Sep 14, 2015 4:36 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 24656

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

If you want a "safe" distance you'll have to go 5mph slower than the flow of traffic which causes cars to move around you and creates more traffic problems. I believe by definition, if you're keeping the same distance behind a car whether tailgating or at a safe distance, you're moving at...
by harikaried
Thu Sep 10, 2015 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan within a week of purchase
Replies: 25
Views: 3258

Re: Paying off car loan within a week of purchase

aceoperations wrote:It would be in my best interest to pay off the loan immediately.
Have you calculated how much interest you would end up paying in 2-4 weeks?
by harikaried
Tue Sep 08, 2015 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Who has created a wash sale? Was it good for you?
Replies: 7
Views: 853

Re: Who has created a wash sale? Was it good for you?

We've had plenty of wash sales from our taxable account that holds different funds from the retirement accounts. Our brokerage account is with Schwab, and they automatically indicated the increased basis on specific lots. You can easily see the realized/unrealized gains/losses that have been adjuste...
by harikaried
Tue Sep 08, 2015 1:26 am
Forum: Forum Issues and Administration
Topic: What are the most viewed threads ever?
Replies: 25
Views: 3179

Re: What are the most viewed threads ever?

If you go to a subforum view, e.g., Investing - Theory, News & General https://www.bogleheads.org/forum/viewforum.php?f=10 At the bottom of the thread listing, there's 3 dropdowns you can set, e.g., Display topics from previous: 1 year Sort by Views Descending, and you'll get threads: - The Thre...
by harikaried
Mon Sep 07, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Quaternary replacement funds: Broad -> Large -> Large -> Small?
Replies: 3
Views: 185

Re: Quaternary replacement funds: Broad -> Large -> Large -> Small?

archbish99 wrote:Are you still within 30 days of selling the original fund?
Yes. Sold the primary fund VXUS end of August consisting of various lots purchased the months before.
by harikaried
Mon Sep 07, 2015 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Quaternary replacement funds: Broad -> Large -> Large -> Small?
Replies: 3
Views: 185

Quaternary replacement funds: Broad -> Large -> Large -> Small?

If one was overeager in harvesting losses from the primary fund and has ended harvesting additional losses in the secondary then tertiary funds, is it reasonable to just tilt to Small-Cap as the quaternary replacement fund? http://ed.agadak.net/schwab-sip/quaternary.png The image shows that for both...
by harikaried
Thu Sep 03, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Replacement shares for TLH exchanges for broad market index funds
Replies: 21
Views: 993

Re: Replacement shares for TLH exchanges for broad market index funds

When tax-loss harvesting a broad market US fund, simply exchange into a broad market international fund. When tax-loss harvesting a broad market international fund, simply exchange into a broad market US fund. How about harvesting either VTI (total US) or VXUS (total international) into an even bro...
by harikaried
Wed Sep 02, 2015 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Marketable limit order buffer %/$
Replies: 6
Views: 304

Marketable limit order buffer %/$

Today I placed a marketable limit order to buy VEU when it had a bid/ask $43.63/$43.64. The limit I set was $44 or better, and the purchase was made in 3 lots: 50% at $43.635, 10% at $43.637, and 40% at $43.639. I picked the limit by calculating roughly 1% higher than the current ask to be pretty su...
by harikaried
Thu Aug 27, 2015 2:56 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 65973

Re: Schwab Intelligent Portfolios [now live]

My concern is that it'll take a few days for the funds to clear and I might miss a rally. I've put in a transfer from the SIP account to the brokerage account. It'll rebalance to have the cash for the transfer tomorrow, and I'll put in an ETF Buy order tomorrow in the brokerage account. Both sets o...
by harikaried
Thu Aug 27, 2015 2:28 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 65973

Re: Schwab Intelligent Portfolios [now live]

I wonder why they allocate 60% to Fundamental and 40% to market cap? in_reality linked to a paper showing that a mix of the two behave differently than just fundamental or just market cap: http://www.russell.com/documents/indexes/research/passive-fundamental-index-investing.pdf Who knows if 60/40 i...
by harikaried
Thu Aug 27, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 65973

Re: Schwab Intelligent Portfolios [now live]

I'm waiting for the ~27th to see if it'll harvest from PXH that it TLHed from FNDE on 07/27/2015. PXH currently is with 16% losses Looks like this is happening today. The trade hasn't posted yet, but the account knows that it'll be TLHed today: Tax loss harvest - Today We tax loss harvested your po...
by harikaried
Tue Aug 25, 2015 1:39 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 65973

Re: Schwab Intelligent Portfolios [now live]

I would just sell everything @ betterment to take the huge tax deduction That's what I'll do at the end of the month with the SIP account splitting it into at least 2 withdrawals. I'm waiting for the ~27th to see if it'll harvest from PXH that it TLHed from FNDE on 07/27/2015. PXH currently is with...
by harikaried
Mon Aug 24, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 65973

Re: Schwab Intelligent Portfolios [now live]

A couple hours later, Sell SCHA and Buy VB appeared. SCHA Sell $51.5902 Low: $48.00, High: $53.09 -> 71% Previous Close: $53.49 -> -3.55% VB Buy $110.29 Low: 90.03, High: $113.1091 -> 88% Previous Close: $114.09 -> -3.33% Can't really tell when those traded though... http://quotes.morningstar.com/ch...
by harikaried
Mon Aug 24, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 65973

Re: Schwab Intelligent Portfolios [now live]

Looking at the spikes in volumes on morningstar, you can almost know what time SIP traded: FNDA: 1:24pm http://quotes.morningstar.com/chart/etf/chart.action?t=FNDA PRFZ: 2:08pm http://quotes.morningstar.com/chart/etf/chart.action?t=PRFZ FNDF: 1:12pm http://quotes.morningstar.com/chart/etf/chart.acti...

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