Search found 1012 matches

by harikaried
Thu Sep 29, 2016 2:36 pm
Forum: Investing - Theory, News & General
Topic: If you own Vanguard Total Stock Market, do you re-invest dividends?
Replies: 44
Views: 4034

Re: If you own Vanguard Total Stock Market, do you re-invest dividends?

We use the dividends like we use any additional money, and right now that's paying down the mortgage. Once that is paid off, we'll invest extra cash in taxable.
by harikaried
Thu Sep 29, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: HSA when expecting baby?
Replies: 20
Views: 626

Re: HSA when expecting baby?

Do you have the option to switch to a lower deductible plan until the baby is born to switch back to HDHP/HSA? Having insurance pay for more of the delivery could save more money than being tax efficient.
by harikaried
Wed Sep 28, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sorry, but tell [me] what to do with my mortgage
Replies: 38
Views: 2217

Re: Sorry, but tell what to do with my mortgage

We have an interest rate almost 1% lower than yours, and we're paying it down early and will continue to do so.
by harikaried
Wed Sep 28, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Considering semi-retirement in Incline Village, NV
Replies: 5
Views: 735

Re: Considering semi-retirement in Incline Village, NV

Why not just live in Carson? Incline definitely gets snowed in but east of the mountains, you rarely need to shovel snow at least in Reno basin area. Do you want to enjoy the snow and lake every day of the week vs just some times each month? Incline definitely is smaller in terms of size as well as ...
by harikaried
Wed Sep 28, 2016 1:06 am
Forum: Investing - Theory, News & General
Topic: What stocks can I buy when it comes to Marijuana?
Replies: 20
Views: 1476

Re: What stocks can I buy when it comes to Marijuana?

If you're talking about US businesses, I would think it would be difficult to have publicly traded stock as that line of business is illegal according to federal law so even opening a bank account with federal regulations is currently impossible. There are companies that oppose the legalization of m...
by harikaried
Mon Sep 26, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity funds suggestion
Replies: 3
Views: 245

Re: Fidelity funds suggestion

I'm thinking a 90% in Fidelity Freedom 2040 (FFFFX) and 10% in a bond fund. If you want to go with a target date fund 2040 ( which has a 5.4% bond allocation ) plus 10% bond fund, you could just go with a single 2030 fund (FFFEX) with 14.77% bond allocation . You should also focus on lower cost fun...
by harikaried
Mon Sep 26, 2016 12:56 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 33
Views: 1585

Re: Tesla Autopilot 8.0

Yeah, as I said, I don't really like cruise control, and this sounds like a better cruise control, but not really enough of an improvement, because, as with cruise control, the driver still needs to be fully aware and ready to step in at a moment's notice. There's still different levels of being fu...
by harikaried
Thu Sep 22, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 33
Views: 1585

Re: Tesla Autopilot 8.0

HomerJ wrote:As I catch up to his car, I move over to the passing lane and pass him.
You can do this with adaptive cruise control as well with a much lower risk of crashing into the car that's driving slower.
by harikaried
Thu Sep 22, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 33
Views: 1585

Re: Tesla software 8.0

What's the appeal of Autopilot, as it currently (more or less), stands? You still have to pay full attention to the road, but you're just in kind of a state of not driving, but thinking through all the driving decisions, and being ready to jump in to intervene if AP makes a mistake or beeps at you ...
by harikaried
Thu Sep 22, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 33
Views: 1585

Re: Tesla software 8.0

I saw the new version of Tesla's autopilot software came out today. You might want to change the thread subject as there's no such thing as "Autopilot 8.0" yet. The latest update was for Tesla software which has changes to the UI, voice commands, media and also includes updates to how Aut...
by harikaried
Sat Sep 10, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: TLH sanity check
Replies: 2
Views: 315

Re: TLH sanity check

I believe technically, there will be wash sales that increase the basis of another lot, but you'll be selling that lot as well, so the wash sale won't matter. The lot from the September 6th is the largest around $30k, so that will probably increase the basis on a number of other lots. Just a FYI if ...
by harikaried
Thu Sep 08, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 60
Views: 6206

Re: FTIPX-Fidelity ® Total International Index Fund : Okay to buy now ?

it looks like FTIPX Fidelity Total International Index Fund has only $31M assets and is holding 18% cash ! YIKES! Here's the fund information directly from Fidelity: https://fundresearch.fidelity.com/mutual-funds/composition/31635V653 Asset Allocation AS OF 7/31/2016 63.11% Developed Value & Gr...
by harikaried
Tue Sep 06, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to pay down 401k loan?
Replies: 11
Views: 1428

Re: Any reason to pay down 401k loan?

scorp_pccorp wrote:Funds are auto-withdrawn post-tax from my paycheck to make the loan payment.
Your post-tax payments include the interest portion, which will probably be taxed again when you eventually withdraw that money. (The repayment of principal isn't "double taxed" as the money loaned wasn't taxed.)
by harikaried
Tue Sep 06, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10605

Re: How much is your cell phone bill?

Ting
3 lines = $18
0 minutes (calls over Google Voice using WiFi/data) = $0
0 messages (texts over Google Voice using WiFi/data) = $0
3 GB data = $30
~$50/mo after taxes/fees
by harikaried
Tue Sep 06, 2016 1:26 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 60
Views: 6206

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

Morningstar hasn't yet classified it,and even vanguard's portfolio analysis tool says I have a large % of unclassified shares. Does it show a category/classification now? I noticed the Morningstar page is different now: http://www.morningstar.com/funds/XNAS/FTIPX/quote.html It does show Category: F...
by harikaried
Mon Aug 29, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 4677

Re: Eating Healthy/Meals for One

There's an American variant called Soylent. It's everything your body needs in a tasty shake. It's not a meal replacement, it's a meal, and it's probably the healthiest thing you can put in your body. If you would also be drinking a cup of coffee for caffeine, you could get Coffiest from Soylent. h...
by harikaried
Fri Aug 26, 2016 1:51 pm
Forum: Investing - Theory, News & General
Topic: Schwab now offering low cost Target Date funds
Replies: 24
Views: 2292

Re: Schwab now offering low cost Target Date funds

Here's the Schwab Target 2050 Index Fund Investor Share page:
https://www.csimfunds.com/public/csim/h ... mbol=SWXIX

They also put together a video showing off the benefits of lower fees:
https://www.csimfunds.com/public/csim/h ... video.html
by harikaried
Thu Aug 25, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned I'm investing at peak
Replies: 31
Views: 3955

Re: Concerned I'm investing at peak

In any case, all of those, and much of the market right now is at 52 week highs. We just put $18k into a self-employed 401k today (when it was no longer a 52-week high). We bought Total US Market and rebalanced in a different 401k to maintain the desired risk and asset allocation. This took just a ...
by harikaried
Thu Aug 25, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 3615

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: 108
Views: 6557

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: 29
Views: 3829

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: 37
Views: 3615

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: 667

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: 62
Views: 5921

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: 667

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: 781

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: 1425

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: 5250

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: 31
Views: 3942

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: 148
Views: 10944

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 - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 60
Views: 6206

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: 2837

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: 6041

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: 2575

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: 241

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: 2352

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: 1819

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: 2575

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: 2299

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: 1853

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: 3483

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: 1169

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: 2576

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: 822

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: 822

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: 289
Views: 37122

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: 5110

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: 6909

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: 489

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...

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