Search found 1170 matches

by harikaried
Mon Oct 22, 2012 1:31 am
Forum: Personal Finance (Not Investing)
Topic: Refinance house?
Replies: 14
Views: 1328

Re: Refinance house?

Sounds like you should refinance, unless you are about to sell the house. Any particular reason for not refinancing if selling the house is soon? There are $0-cost refinance with some that result in cash back. It could free up monthly money in preparation to selling or reduce total expenses with a ...
by harikaried
Wed Oct 17, 2012 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back Reward Credit Cards
Replies: 55
Views: 7096

Re: Cash Back Reward Credit Cards

boglerocks wrote:the Rewards tab only mentions: 2 Miles for every $1.00 Purchases
Did you apply from this page? https://www.pricelinevisa.com/ There may be multiple Priceline cards with different rewards structures.
by harikaried
Tue Oct 16, 2012 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Regular Investments
Replies: 5
Views: 545

Re: Regular Investments

How about on her birthday, ¼ birthday, ½ birthday, and ¾ birthday? Just make sure you and she are clear about what it's for.
by harikaried
Mon Oct 15, 2012 11:44 pm
Forum: Investing - Theory, News & General
Topic: Why 59.5 and 70.5 for IRAs
Replies: 14
Views: 1965

Re: Why 59.5 and 70.5 for IRAs

Found this with some quick searching:

http://www.pearsonhighered.com/samplech ... 333848.pdf
by harikaried
Sun Oct 14, 2012 12:58 am
Forum: Investing - Theory, News & General
Topic: Why doesn't the general public care about expense ratios?
Replies: 101
Views: 8735

Re: Why doesn't the general public care about expense ratios

I just saw a commercial yesterday where the Schwab guy said that some of their ETFs had costs even "lower than Vanguard." It's right on their home page now. "Schwab ETFs now have the lowest expense ratios in their respective Lipper categories. Lower than both Vanguard and SPDRs. Plus...
by harikaried
Fri Oct 12, 2012 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Critique Our 2013 Financial Plan
Replies: 10
Views: 1653

Re: Critique Our 2013 Financial Plan

Or ~$3.3k for monthly expenses. (Don't forget about property tax, insurance, etc.) Yep that's our exact monthly budget. We've accounted for Gas, groceries, bills / utilities, prop tax & home insurance, and misc. spending / shopping plus some travel money. We don't have kids so our expenses are ...
by harikaried
Thu Oct 11, 2012 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: What are Vanguards Largest Funds
Replies: 8
Views: 1611

Re: What are Vanguards Largest Funds

Any way to find out Vanguard's largest funds other than individually checking each funds net assets ? How recent of data do you want? Here's the assets in millions at the end of last year: http://en.wikipedia.org/wiki/List_of_US_mutual_funds_by_assets_under_management 4 VTSMX Vanguard Total Stock M...
by harikaried
Thu Oct 11, 2012 10:27 pm
Forum: Personal Consumer Issues
Topic: Whole Disk Encryption?
Replies: 37
Views: 2405

Re: Whole Disk Encryption?

I don't have much to hide, so no reason. My life is not encrypted either. -- Tet Have you ever entered in your social security number, home address, bank account information, passwords on your computer? How about browsing history or bookmarks? Some pieces might seem safe or trivial, but tiny hints ...
by harikaried
Thu Oct 11, 2012 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Critique Our 2013 Financial Plan
Replies: 10
Views: 1653

Re: Critique Our 2013 Financial Plan

Just doing a sanity check on funds for each month.. $141k gross income - $5.5k HSA - $17.5k 401k = $118k before tax $118k * (100% - 25% - 5.5%) = $82k after tax (definitely more with deductions and graduated tax brackets) $82k - $5k his Roth - $5k her Roth = $72k before debts $72k - $18k student loa...
by harikaried
Thu Oct 11, 2012 11:37 am
Forum: Personal Consumer Issues
Topic: Whole Disk Encryption?
Replies: 37
Views: 2405

Re: Whole Disk Encryption?

One way to think about it is if you only encrypt data that you care about, it makes it easy for an attacker to find the data you care about. Encrypt everything, and an attacker has no clues where to start.
by harikaried
Wed Oct 10, 2012 12:08 pm
Forum: Investing - Theory, News & General
Topic: Do you overweight emerging markets?
Replies: 83
Views: 8130

Re: Do you overweight emerging markets?

Personally I just don't think ex-US developed is enough different from the US to be worth it. I wonder if similar logic should be applied to the relative weighting of largecap-to-smallcap as developed-to-emerging? E.g., if largecap should be 2x smallcap, developed should be 2x emerging. So assuming...
by harikaried
Tue Oct 09, 2012 9:20 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't the general public care about expense ratios?
Replies: 101
Views: 8735

Re: General public and Expense Ratios?

Mr. Bogle and Morningstar have conducted similar studies with the same conclusion. Interesting. I found this post on nytimes.com referencing the Morningstar study: http://bucks.blogs.nytimes.com/2010/08/11/fund-expenses-more-important-than-five-star-status/ A few select quotes: Morningstar, in an a...
by harikaried
Tue Oct 09, 2012 7:29 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't the general public care about expense ratios?
Replies: 101
Views: 8735

Re: Why doesn't the general public care about expense ratios

I told him that we already had lots of index funds in our 401(k) with expense ratios below 0.1%. He was completely unaware of those index funds. To be fair, if the list of investment choices is anything like mine, all it shows.. 1) investment category (large cap, international, etc) 2) inception da...
by harikaried
Tue Oct 09, 2012 5:21 pm
Forum: Investing - Theory, News & General
Topic: What is the return on stock vs real estate investing?
Replies: 64
Views: 4797

Re: What is the return on stock vs real estate investing?

It seems like one of the biggest but limited way to invest with real estate is with a primary residence. You get to exclude $500k of gains. The tricky part is that assuming equal growth across housing, the easiest way to make sure you reach the $500k gain is to buy a more expensive house. And of cou...
by harikaried
Tue Oct 09, 2012 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Front load 401k contributions or not?
Replies: 25
Views: 6907

Re: Front load 401k contributions or not?

Isn't this similar to lump sum vs DCA and hasn't it been proven that lump summing tends to be better? You also need to consider the alternative. If the 401k wasn't front-loaded, would one still be investing the after-tax dollars in a taxable account? Or similarly, if the 401k is front-loaded, then ...
by harikaried
Tue Oct 09, 2012 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Front load 401k contributions or not?
Replies: 25
Views: 6907

Re: Front load 401k contributions or not?

One benefit of front loading is you have fewer things to consider for potential wash sale conflicts later in the year.

One benefit of spreading out is that it gives you regular opportunities to rebalance to your asset allocation in a tax advantaged account.
by harikaried
Mon Oct 08, 2012 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Help with fund selection in 401k to maintain AA
Replies: 10
Views: 691

Re: Help with fund selection in 401k to maintain AA

If I de-prioritize maintaining a certain mix you'd recommend getting rid of extended market first, then TISM? Is that because TISM is a "more different" asset class, compared to the 500 fund, than extended market? You can compare the past performance of VIFSX (Vanguard 500) vs VEXMN (Vang...
by harikaried
Mon Oct 08, 2012 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Help with fund selection in 401k to maintain AA
Replies: 10
Views: 691

Re: Help with fund selection in 401k to maintain AA

all of my savings are currently going towards the "buy a house" fund. There's also the "get married" fund to consider Any expectations of when those will be? If you expect you'll be able to save twice as much as you'll need when you need it, you could just invest that money in a...
by harikaried
Mon Oct 08, 2012 1:19 am
Forum: Investing - Help with Personal Investments
Topic: Help with fund selection in 401k to maintain AA
Replies: 10
Views: 691

Re: Help with fund selection in 401k to maintain AA

Looks like you have no debts and are maxing both 401k and Roth, so what are you planning to do with your savings? Sounds like you'll have money to do taxable investing, and that's a good place to put international funds. So depending on how much you'll be able to invest in taxable accounts, you migh...
by harikaried
Sun Oct 07, 2012 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: 0% capital gains rate -- Really?
Replies: 29
Views: 2966

Re: 0% capital gains rate -- Really?

In your scenario you are effectively paying ordinary income tax on $10k of those gains. Think about it. Ah, I see. I guess it depends on how much carryover losses you have and how much you can tax gain harvest. E.g., if you had $1 carryover loss and $88,001 in long term gains to realize to pay 0%, ...
by harikaried
Sun Oct 07, 2012 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: 0% capital gains rate -- Really?
Replies: 29
Views: 2966

Re: 0% capital gains rate -- Really?

"...my last year's tax had capital loss..." You're out of luck. You cannot tax gain harvest. Why not? Doesn't the previous year's losses just reduce the amount of capital gains from this year, so you can actually tax gain harvest even more? Using TaxCaster http://turbotax.intuit.com/tax-t...
by harikaried
Sun Oct 07, 2012 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refi freed up $500: Mortgage, 401k, or Taxable
Replies: 18
Views: 1339

Re: Refi freed up $500: Mortgage, 401k, or Taxable

we're already contributing over 20% of $130,000 worth of salaries to tax advantaged space and still have room for much, much more before we max out 401k space So you're currently contributing $26k combined out of a maximum 401k contribution of $17k * 2 for 2012. You seemed to use a 25% tax rate whe...
by harikaried
Sun Oct 07, 2012 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: 0% capital gains rate -- Really?
Replies: 29
Views: 2966

Re: 0% capital gains rate -- Really?

Nowhere in that process does there seem to be an "enter 0 if your tax rate is 15% or less". See Schedule D Tax Worksheet (2011): 20. Subtract line 17 from line 16. This amount is taxed at 0% Where a few lines before that says to enter.. $34,500 if single or married filing separately; $69,...
by harikaried
Fri Oct 05, 2012 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Blue Cash Everyday VS Amex Fido 2% cash back...
Replies: 40
Views: 15295

Re: Amex Blue Cash Everyday VS Amex Fido 2% cash back...

If you're looking for 2% cash back, the Priceline Visa might be a good option: https://www.pricelinevisa.com/ I switched to it recently to simplify my credit cards while increasing overall cash back. (Almost 60% of my charges fall into the "rest/others/no-category" category, so 2% instead ...
by harikaried
Thu Oct 04, 2012 5:26 pm
Forum: Personal Consumer Issues
Topic: Why your rewards card is killing the economy
Replies: 22
Views: 1745

Re: Why your rewards card is killing the economy

The main point of the article is that credit cards lead to merchants raising their prices to cover the credit card fees and in the big picture, this means money is leaving the local economy (made up of you and your local merchants) and going to the credit card companies. So using that thinking, it s...
by harikaried
Thu Oct 04, 2012 4:52 pm
Forum: Investing - Theory, News & General
Topic: The Largest Stock Funds
Replies: 5
Views: 719

Re: The Largest Stock Funds

What ever happened to Fidelity Magellan The last time it was in this list of top 75 funds by assets was Q1 2012 in the April 4th report. http://online.wsj.com/mdc/public/page/2_3023-largstkbal-20120404.html It had $16.5 billion in assets then. The cutoff for Q2 2012 top 75 (July 6th) was $15.2 bill...
by harikaried
Thu Oct 04, 2012 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of Thumb...Credit Card Limit
Replies: 52
Views: 6125

Re: Rule of Thumb...Credit Card Limit

roymeo wrote:"I'd rather raise the limit on this account rather than opening up another account with someone else."
I suppose going along that line of thinking to entice the credit union... "I'd rather pay 20% interest to you than opening a credit card with some big bank!" ;)
by harikaried
Thu Oct 04, 2012 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: lots of debt and lots of time...what would you do..
Replies: 24
Views: 2381

Re: lots of debt and lots of time...what would you do..

I think I am going to put another 5k-10k down next month and recast the loan again to get the minimum payment to ~ $350 a month Assuming the current 1.625% rate for 20 years after recasting the loan, every $5k principle you pay off reduces the monthly payments by about $24. This means you need to g...
by harikaried
Thu Oct 04, 2012 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Do I rebalance when I add to taxable?
Replies: 11
Views: 875

Re: Do I rebalance when I add to taxable?

I do like to use contributions to nudge things back in the right direction, rather than moving things more out-of-balance I think the issue is mainly that you're generally adding international and not bonds to the taxable account, so that causes you to be more out-of-balance. Vanguard has a paper s...
by harikaried
Wed Oct 03, 2012 3:05 pm
Forum: Investing - Theory, News & General
Topic: The Largest Stock Funds
Replies: 5
Views: 719

Re: The Largest Stock Funds

Here's a link to the listing in the 3rd Quarterly Funds Analysis Report: http://online.wsj.com/mdc/public/page/2_3023-largstkbal-20121002.html And the top 10 by assets ($millions): Vanguard T StMk Idx;Inv VTSMX $197,315.3 Vanguard 500 Index;Adm VFIAX 115,764.0 American Funds Gro;A AGTHX 114,773.6 Va...
by harikaried
Tue Oct 02, 2012 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of Thumb...Credit Card Limit
Replies: 52
Views: 6125

Re: Rule of Thumb...Credit Card Limit

I don't think you need more than 10K Credit Karma gives an "A" grade for open credit card utilization between 1-20%. So one way to look at that is to set your credit limit to 5x whatever the most you normally/expect to spend on all your cards combined. They also note that this (credit uti...
by harikaried
Tue Oct 02, 2012 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of Thumb...Credit Card Limit
Replies: 52
Views: 6125

Re: Rule of Thumb...Credit Card Limit

Now my wife and I have to go back in and talk to a loan officer to get the limit raised. I don't like having to explain to someone why I want to raise our limit... Why not just say you're looking to reduce your utilization percent? If you're going to have a conversation with someone at the credit u...
by harikaried
Tue Oct 02, 2012 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Prepay loans or invest in taxable?
Replies: 26
Views: 1774

Re: Prepay loans or invest in taxable?

Ask yourself: if you owned your home free and clear, would you take out a mortgage and invest that money in taxable? If you would not do that, and also would not prepay your mortgage, you are not being consistent. I think another way to look at the situation is, if you were renting a home for the s...
by harikaried
Tue Oct 02, 2012 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: student loans vs investing?
Replies: 15
Views: 1594

Re: student loans vs investing?

Even by deducting 17K, I would still be in the 28% tax bracket 401k contributions are not deductions. The money you contribute to your 401k is not reported as earned income/wages. The alternative is if you didn't contribute $17k to your 401k, you would be paying income tax ($5.6k) on that, so you w...
by harikaried
Tue Oct 02, 2012 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Rule of Thumb...Credit Card Limit
Replies: 52
Views: 6125

Re: Rule of Thumb...Credit Card Limit

For your credit score, it helps to have higher limits in that whenever you do use the cards, a smaller percentage of your total credit limit is reported as used. So with this line of thinking, you should try to increase your credit limit as much as possible. However having a higher limit doesn't mea...
by harikaried
Tue Oct 02, 2012 10:19 am
Forum: Personal Finance (Not Investing)
Topic: student loans vs investing?
Replies: 15
Views: 1594

Re: student loans vs investing?

Have you calculated what your 401k would need to return to break even? If you assume that you'll be able to pay $0 income tax in retirement , then you should definitely put money in the 401k over getting it taxed now. This means even if the money put in the 401k doesn't grow, you'll have ~50% [1-(1...
by harikaried
Mon Oct 01, 2012 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: student loans vs investing?
Replies: 15
Views: 1594

Re: student loans vs investing?

Tax Rate: 28% Federal, 5% Illinois I currently have 3K a month to spend on student loans and/or investing. You can look at the amount of money at a pre-tax level which would be ~$4.5k ($3000 / (1 - .28 - .05)). The maximum you can contribute to your 401k is $17k for 2012 and maybe $17.5k for 2013. ...
by harikaried
Sun Sep 30, 2012 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Pay bills when they are due or ASAP?
Replies: 39
Views: 4006

Re: Pay bills when they are due or ASAP?

I pay my bills (that can't be paid by credit card) on the same day that I pay for all my other bills. I make one transfer out of savings into checking, which I use for scheduled payments, in one chunk to cover utilities, credit card payments, etc.
by harikaried
Fri Sep 28, 2012 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: $250K in cash -- How to invest now?
Replies: 21
Views: 2472

Re: $250K in cash -- How to invest now?

wasn't really thinking about the $100K at this point, but suppose I should You can include that in your asset allocation. For example, if you're willing to put 60% of overall assets in riskier stocks, you have 40% for less riskier assets. You can split this half/half cash and bonds just like splitt...
by harikaried
Fri Sep 28, 2012 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: $250K in cash -- How to invest now?
Replies: 21
Views: 2472

Re: $250K in cash -- How to invest now?

I think of the $100K in cash and taxable securities as my emergency fund :) (it's about 40K in cash and $60K in the Loomis bond fund). So I would like to get the international stock exposure all within the IRA . Any reason you want to keep the bonds in taxable and international in tax-deferred? See...
by harikaried
Fri Sep 28, 2012 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Paying down a mortgage vs contributing to retirement account
Replies: 41
Views: 3260

Re: Paying down a mortgage vs contributing to retirement acc

Does it make sense to refinance to a mortgage rate of 3.375% if one is carrying a 4.5% mortgage? The numbers from the original post seem to indicate $1850 in principal and interest payments. At the current 4.25% rate, it'll be paid off in 104 months with ~$31k more interest payments to the bank. At...
by harikaried
Mon Sep 24, 2012 11:04 am
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 11148

Re: Schwab slashes ETF fees

Amusingly, the change is so new that this page says the ER for SCHB is 0.04% , but if you click on the SCHB link, it takes you to another page that says it's 0.06%! I guess someone didn't get the memo. http://i49.tinypic.com/1zqys1u.jpg http://i47.tinypic.com/our2oi.jpg Sounds like someone got your...
by harikaried
Fri Sep 21, 2012 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card debt
Replies: 18
Views: 1656

Re: Credit card debt

If you're really dedicated to paying off your credit card debt, balance transfers might make some sense. See if any of your existing cards have promotional 0% balance transfer rates. Or if you can apply for a new card. Usually balance transfers come with a ~3% fee, but if the alternative is say 20% ...
by harikaried
Thu Sep 20, 2012 10:45 pm
Forum: Investing - Theory, News & General
Topic: Maximum amount you would lump sum?
Replies: 34
Views: 2010

Re: Maximum amount you would lump sum?

I inherited an IRA that increased my portfolio by almost 40% and became my largest account at almost 6-figures. I switched it over from its sector tilting funds to fit my asset allocation in 2 days. (I did it in two chunks because Fidelity funds have a minimum of $10k, so I exchanged the over-$10k f...
by harikaried
Wed Sep 19, 2012 9:34 pm
Forum: Investing - Theory, News & General
Topic: Would you leave a job you love for a 401k?
Replies: 31
Views: 2544

Re: Would you leave a job you love for a 401k?

pennstater2005 wrote:I'm in a job with no 401k, pension, or any investment incentives at all.
And do you see that there will be absolutely no possibility of the company setting up a 401k plan? Sometimes you just need to ask, but do some research first to know what to present:

Setting up a 401(k) plan
by harikaried
Wed Sep 19, 2012 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinanced today
Replies: 20
Views: 2003

Re: Refinanced today

adding an extra $100 to principal will do very little but small little nicks into the total amount owed The action to take for reaching a goal of reducing the total amount owed depends on when one expects to pay off the loan and the interest rate on the loan. For example, a $100k loan at 3% has tot...
by harikaried
Tue Sep 18, 2012 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review. 25 MILLION windfall; help me not lose it
Replies: 58
Views: 13396

Re: Portfolio Review. 25 MILLION windfall; help me not lose

longview wrote:RenoJay, that may be a tough sell on the wife... but I'll check it out as opportunities permit and maybe she'll like it.
Ski? Lake? Trees? Quiet?

My wife and I were thinking about moving to Incline Village from the Bay Area, but we might check out Reno first.
by harikaried
Mon Sep 17, 2012 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: CCH 2013 Tax Bracket Projections
Replies: 15
Views: 1212

Re: CCH 2013 Tax Bracket Projections

NYBoglehead wrote:Couldn't find anything on a 2013 401k contribution increase, but will definately keep looking.
There was some math crunching going on in another August CPI thread that seemed to suggest $17,500 for 401k contributions (+$500) in 2013:

Aug. CPI out today: Implications for Ibonds, IRAs and 401ks?
by harikaried
Mon Sep 17, 2012 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Quick question on Bank Interest
Replies: 11
Views: 837

Re: Quick question on Bank Interest

vectorizer wrote:you'd effectively pay your marginal tax rate on ordinary income ... which BTW can be quite different from the rate in your "tax bracket".
Ah yup, that's what I was thinking. Thanks for clarifying.
by harikaried
Mon Sep 17, 2012 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Quick question on Bank Interest
Replies: 11
Views: 837

Re: Quick question on Bank Interest

FB01 wrote:the tax rate which I fall into or the short term capita tax rate
Curious, what are your current rates for the tax rate you fall into and your short term capital gains tax rate?

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