Search found 1093 matches

by harikaried
Fri Aug 17, 2012 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences Moving From High to Low Cost State?
Replies: 72
Views: 18847

Re: Experiences Moving From High to Low Cost State?

Did you notice an immediate, or long term, improvement in cash flow and/or liquid assets? Do you expect experiences of people to be keeping their original job/pay after moving vs finding a new job that has lower pay in the lower cost state? You're not really looking for experiences of people moving...
by harikaried
Fri Aug 17, 2012 3:48 pm
Forum: Investing - Theory, News & General
Topic: facebook's first lock up expires today,
Replies: 63
Views: 11798

Re: facebook's first lock up expires today,

I shorted it Wednesday at $20.98 and bought to cover yesterday at $20.01. Not quite 5%, but a good transaction nonetheless. Thanks for reporting back and explaining the process. I'm not going to make a habit of it, though. Good. Otherwise there's all sorts of regret! ;) What if you waited until tod...
by harikaried
Fri Aug 17, 2012 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Increasing net pay (in a way that's good for employers)?
Replies: 9
Views: 1214

Re: Increasing net pay (in a way that's good for employers)?

It's usually easy to evaluate the cost of these "perks" to the employer, but the value to the employee is evaluated by the employee and depends on the employee's value system. Indeed. These perks are things that the employer can provide to all employees, but there's a wide range of percei...
by harikaried
Fri Aug 17, 2012 11:37 am
Forum: Investing - Theory, News & General
Topic: Are Equity Holdings a Reasonable Hedge For Inflation
Replies: 9
Views: 2840

Re: Are Equity Holdings a Reasonable Hedge For Inflation

I would expect certain equities to do better than others because inflation isn't an immediate result. When new money enters the marketplace through monetary inflation, those who get the money first can do better by paying for things at the existing prices. As the newly created money circulates throu...
by harikaried
Fri Aug 17, 2012 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Increasing net pay (in a way that's good for employers)?
Replies: 9
Views: 1214

Re: Increasing net pay (in a way that's good for employers)?

xerty24 wrote:Basically anything the company can provide that's deductible to them but not taxable to you can be a big win.
Any idea if these are applicable for non-profits like schools?
by harikaried
Fri Aug 17, 2012 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Increasing net pay (in a way that's good for employers)?
Replies: 9
Views: 1214

Increasing net pay (in a way that's good for employers)?

Are there any tips for increasing your overall compensation without costing the employer as much as just increasing your salary? Another way to look at it is from the employer side, how can employees get paid more without increasing the overall compensation package such as reducing payroll taxes by ...
by harikaried
Thu Aug 16, 2012 11:33 am
Forum: Investing - Theory, News & General
Topic: facebook's first lock up expires today,
Replies: 63
Views: 11798

Re: facebook's first lock up expires today,

FredPeterson wrote:As expected, it has dropped pretty good.
Why didn't everyone just short then? Could have been 5-6% richer in a day! ;)

(Edit: Actually kinda serious because I'm not familiar with how selling short actually works. Or is it as simple as putting in a short sell order.. and putting in a buy later?)
by harikaried
Tue Aug 14, 2012 7:29 pm
Forum: Personal Consumer Issues
Topic: Food Costs
Replies: 153
Views: 12428

Re: Food Costs

Clearly_Irrational wrote:Here are the totals, hopefully you don't mean the line items:
Aug 7 WinCo Foods Groceries –$304.25

Do you have this receipt from last week? What are the big $ purchases on there?
by harikaried
Tue Aug 14, 2012 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Receiving 250-300k And Torn On How To Grow It
Replies: 42
Views: 3646

Re: Receiving 250-300k And Torn On How To Grow It

The S&P index funds looks like an excellent idea to safely protect the principal as well as grow it. Generally here, people view US total market index funds as more risk, but that's because they're comparing it to total market bond funds, which tend to be more stable. For you, it seems like you...
by harikaried
Mon Aug 13, 2012 10:54 pm
Forum: Personal Consumer Issues
Topic: How do high networth individuals protect their money from
Replies: 32
Views: 6265

Re: How do high networth individuals protect their money fro

johnny72 wrote:10 characters is short but don't forget capitals and symbols
It seems like finance related passwords tend to be case insensitive and not allow symbols. Just try your Vanguard password with the wrong casing for each letter.
by harikaried
Mon Aug 13, 2012 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Low minimum, low expense ratio mutual fund? (
Replies: 11
Views: 3588

Re: Low minimum, low expense ratio mutual fund? (

I'm thinking about investing in fidelity's IVV? Does that sound like a good idea? It has a .09 ER which seems pretty great. Sure IVV (0.09ER, iShares S&P 500 Index Shares) is fine. Or if you want a larger coverage of the US market, IWV (0.20ER, iShares Russell 3000 Index Fund). Don't sweat it t...
by harikaried
Mon Aug 13, 2012 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: How to change Dividend Reinvestment?
Replies: 4
Views: 849

Re: How to change Dividend Reinvestment?

Can someone guide me on how to change that on the Vanguard website? Do you have any funds in your account? Vanguard seems to track reinvesting dividends on a per-fund&account basis. So once you do a buy for a fund in an account, Vanguard provides a link to change the default reinvest dividend/g...
by harikaried
Mon Aug 13, 2012 11:33 am
Forum: Investing - Theory, News & General
Topic: Is bogleheads investing a philosophy or a truth?
Replies: 46
Views: 4117

Re: Is bogleheads investing a philosophy or a truth?

yobria wrote:Nobody gets paid if you own Vanguard Index funds. Welcome to capitalism.
You get paid if you diversify with low cost index funds. You tell your friends that you're beating all those active traders, and hopefully they learn from your experience. Welcome to capitalism. :)
by harikaried
Sun Aug 12, 2012 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage before selling the house?
Replies: 27
Views: 3887

Re: Pay down mortgage before selling the house?

As others pointed out, duration of a bond is not what you think. You were talking about the term of the loan. Thanks for making it crystal clear. I definitely was using duration as "The time during which something continues. Synonyms: length - continuance - standing - term - period - time"...
by harikaried
Sat Aug 11, 2012 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Different savings goals leads to bonds in taxable account
Replies: 2
Views: 323

Re: Different savings goals leads to bonds in taxable accoun

Try taking a look at Placing Cash Needs in a Tax-Advantaged Account , although this is generally for goals that are a smaller percentage of your taxable account. Basically the idea is to put bonds in your tax advantaged accounts and tax efficient funds in the taxable as if you didn't have the short ...
by harikaried
Sat Aug 11, 2012 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage before selling the house?
Replies: 27
Views: 3887

Re: Pay down mortgage before selling the house?

As I have demonstrated above, the 4% 1-yr CD is not equivalent to prepaying your mortgage. The CD would be a much better deal because you are guaranteed to get the principal back in time. Even if the house doesn't sell in the expected 1 year, if you extend it to say 3 years or even 5 years, a 4% 5-...
by harikaried
Fri Aug 10, 2012 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA Help Needed
Replies: 27
Views: 2028

Re: Inherited IRA Help Needed

So why does it matter what's in the inherited IRA? For example, your Inherited IRA and Traditional IRA start at 100k and you put high growth funds in the Inherited and more stable funds in the Traditional (still according to your asset allocation). 10 years later, you're 50 and still earning income...
by harikaried
Fri Aug 10, 2012 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA Help Needed
Replies: 27
Views: 2028

Re: Inherited IRA Help Needed

livesoft wrote:IRAs are good places for bond funds.
And also because Inherited IRAs tend to have earlier distributions than traditional IRAs, it's better to use potentially lower growth funds because Inherited IRAs are "sooner taxable" than other tax advantaged accounts.
by harikaried
Thu Aug 09, 2012 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any need for high school student to build credit?
Replies: 36
Views: 2666

Re: Any need for high school student to build credit?

AndroAsc wrote:Credit age is something that you can't accelerate. I would get a CC ASAP regardless of the age.
How early should (/can?) you open a credit card with a child? You don't actually have to let the child use the credit card, but the credit age will increase. Any difference with secured credit cards?
by harikaried
Wed Aug 08, 2012 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify my portfolio
Replies: 15
Views: 1227

Re: Help me simplify my portfolio

Taxable adjustments depend on tax-loss harvesting, carryover capital losses, and current state of short-term and long-term gains. Just to see if I'm thinking about this correctly.. OP has $0 regular income in 2012, filing as Head of Household with 1 dependent/student, so calculating how much short ...
by harikaried
Tue Aug 07, 2012 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage before selling the house?
Replies: 27
Views: 3887

Re: Pay down mortgage before selling the house?

Assume you have ... a house that will sell in a year for $200k after fees You seem to really be missing the point that this is not a valid assumption to make. That assumption is just to be able to make some calculations to help answer the question of if paying down the mortgage should be equivalent...
by harikaried
Tue Aug 07, 2012 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage before selling the house?
Replies: 27
Views: 3887

Re: Pay down mortgage before selling the house?

For those following along and think better with actual numbers than theory, I worked something out so that I could better understand what's going on. Assume you have $16k cash, $0 income, a house that will sell in a year for $200k after fees, and $100k mortgage 4% loan with $500 monthly payments. If...
by harikaried
Mon Aug 06, 2012 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage before selling the house?
Replies: 27
Views: 3887

Re: Pay down mortgage before selling the house?

liquidity may be a greater concern. Will you be buying another house before you close on the sale? Assuming enough time between selling the current house and buying a new house, wouldn't one want to use the new-house-downpayment-funds to pay down the current mortgage and to save on the loan expense...
by harikaried
Mon Aug 06, 2012 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage before selling the house?
Replies: 27
Views: 3887

Re: Pay down mortgage before selling the house?

- The duration of a mortgage (an amortized loan) is much, much shorter than its maturity. I'm not sure what's the terms here mean. Is the mortgage duration the time until the loan is paid off (principal = $0) and the maturity is the original schedule without prepayment, e.g., 30 years? Although mat...
by harikaried
Mon Aug 06, 2012 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage before selling the house?
Replies: 27
Views: 3887

Pay down mortgage before selling the house?

Making extra principal payments is effectively the same as investing at the after-tax rate for the duration of the loan. But if the loan were to be paid off before the full duration, say through the sale of the mortgaged house, those extra payments are then equivalent to investing at the after-tax r...
by harikaried
Thu Aug 02, 2012 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: The 4-year mortgage payoff plan
Replies: 121
Views: 21981

Re: The 4-year mortgage payoff plan

15 year 3.75% mortgage in the next 4 years PenFed just dropped it to 2.875% Just to see if I'm running the numbers right assuming a $160k principal balance. current 3.75% mortgage: pay $3595 a month, $12,549 total interest over 4 years refined 2.875%: pay pay $3533 a month, $9568 total interest ove...
by harikaried
Thu Jul 19, 2012 1:41 pm
Forum: Investing - Theory, News & General
Topic: Would a rise in interest rates be all that BAD?
Replies: 9
Views: 1669

Re: Would a rise in interest rates be all that BAD?

It seems some rise in interest might actually help. In what situation would a bank want to raise interest rates? If banks needed to have a certain amount of money to gain the trust of savers, they could increase reserves by offering CD/time deposits with a relatively higher interest rate. This then...
by harikaried
Mon Jul 16, 2012 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds in my taxable - should I do it?
Replies: 11
Views: 1459

Re: Bond funds in my taxable - should I do it?

Taxable $40,000 I'm in the 25% tax bracket and I live in California which is about another ~9% income tax. Just how bad is it to have bond funds in my taxable in this situation? If we assume you have $10k in bonds with 5% in dividends and growth (selling after a year). That's $500 with $125 federal...
by harikaried
Thu Jul 12, 2012 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k allocation
Replies: 6
Views: 402

Re: Help with 401k allocation

But seriously I have some bonds so I can take advantage of rebalancing . What are you expecting from "taking advantage of rebalancing?" Rebalancing is an action you do to return to your desired amount of risk. If you think 100% stocks is the right amount of risk for the next few years, th...
by harikaried
Thu Jul 12, 2012 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k allocation
Replies: 6
Views: 402

Re: Help with 401k allocation

Day9 wrote:I'm looking for more risk
Are you looking for returns as well or just risk? ;)
Day9 wrote:I am Age-10 in bonds
Why not just go 0% bonds if you're looking for more risk?
by harikaried
Wed Jul 11, 2012 11:37 pm
Forum: Investing - Theory, News & General
Topic: Inflation question
Replies: 30
Views: 3025

Re: Inflation question

How is inflation going to go higher when many, if not most, consumers can not afford to buy products? Any particular goods you're thinking of when you mention this price inflation? It seems like plenty of consumers are able to buy smart phones these days. All that competition keeps driving down pri...
by harikaried
Mon Jul 09, 2012 6:17 pm
Forum: Investing - Theory, News & General
Topic: TLH of not-substantially-identical replacement shares
Replies: 4
Views: 374

TLH of not-substantially-identical replacement shares

Some people perform Tax Loss Harvesting by selling shares with losses and replacing them with shares that are not substantially identical. From here, it seems like some people will sell all shares of the replacement then repurchase the original shares that are now out of the Wash Sale window. Others...
by harikaried
Thu Jun 28, 2012 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be 100% bonds in my 401k in this situation?
Replies: 8
Views: 1331

Re: Should I be 100% bonds in my 401k in this situation?

I have $35,000 in a brokerage account. Roth IRA. Current value $5,000 401k plan on maxing it out $17k per year Age-10 in Bonds 50/50 Foreign/Domestic Equities If we assume we're at the end of the first year, and we're at the assets you stated above, you would have $57,000. And to match your desired...
by harikaried
Wed May 30, 2012 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Wash Rules
Replies: 45
Views: 1701

Re: Wash Rules

The wash sale rule prevents you from claiming a loss on a sale of stock if you buy replacement stock within 30 days before or after the sale. You have 100 shares of "replacement stock" within 30 days BEFORE the sale. http://www.fairmark.com/capgain/wash/ws101.htm That same site talks abou...
by harikaried
Thu Apr 12, 2012 12:30 pm
Forum: Investing - Theory, News & General
Topic: Do short-term goals affect fund placement? (put bonds where)
Replies: 8
Views: 657

Re: Do short-term goals affect fund placement? (put bonds wh

I would just go with a high yield savings account. I think you should be able to get close to 1%. I guess this would depend on how close the short-term goal is and how much money is needed. If it's just a few months away with a few thousand dollars, it might be easier to just put it into savings or...
by harikaried
Thu Apr 12, 2012 12:22 pm
Forum: Investing - Theory, News & General
Topic: Do short-term goals affect fund placement? (put bonds where)
Replies: 8
Views: 657

Re: Do short-term goals affect fund placement? (put bonds wh

You seem to have the right idea, I would just review this entry from the Wiki and take note of the fine points (make sure your gains will be LTCG). http://www.bogleheads.org/wiki/Placing_Cash_Needs_in_a_Tax-Advantaged_Account Thanks for the link. This seems to be more about being even more efficien...
by harikaried
Wed Apr 11, 2012 2:24 pm
Forum: Investing - Theory, News & General
Topic: Do short-term goals affect fund placement? (put bonds where)
Replies: 8
Views: 657

Do short-term goals affect fund placement? (put bonds where)

After adjusting an asset allocation for a short-term goal, e.g., preparing for a down payment, does it make sense to purchase bonds in taxable accounts instead of the usual location in a tax-deferred account? One reasoning for buying bonds in a taxable account is to reduce risk and to make sure the ...
by harikaried
Fri Mar 30, 2012 12:45 am
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 39
Views: 7769

Re: Fidelity password security policies

Yes, that would be unfortunate if they even further reduced the keyspace to just the digits. I can confirm that Fidelity accepts any combination of letters that map to the digit version of the password. For example, if someone's password is "thecard," entering "tiebase" also log...
by harikaried
Wed Mar 28, 2012 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Reassessing my situation + what to do with a windfall
Replies: 19
Views: 2322

Re: Reassessing my situation + what to do with a windfall

30 year fixed @ 3.75% - $667/month with ~$4600 in points & closing costs $972 - $667 = $305 less /month total interest paid: $96,079.12 :| Fyi, during the refinance process, you should have the option to take value out (larger loan) or put more in (smaller loan to fit LTV). You can also try sho...
by harikaried
Tue Mar 27, 2012 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Reassessing my situation + what to do with a windfall
Replies: 19
Views: 2322

Re: Reassessing my situation + what to do with a windfall

Tax Rate: 25% Federal, 8% State Are you sure Roth is the right choice for you? 25% bracket is borderline for whether Roth or Traditional is the right choice, but that 8% state tax makes me think Traditional IRA may be better. See this link: http://thefinancebuff.com/case-against-roth-401k.html weak...
by harikaried
Tue Mar 20, 2012 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to Purchase Home. Am I reasonable or just plain cheap
Replies: 44
Views: 3553

Re: Trying to Purchase Home. Am I reasonable or just plain c

I read of one strategy, which is to pay an extra amount in addition to your normal every month. So if you can afford $4000/mth, you get a $2000/mth mortgage, but you also make an extra $2000/mth payment. Don't forget the other part of the picture where you could have invested the "extra $2000/...
by harikaried
Mon Mar 19, 2012 11:28 am
Forum: Investing - Theory, News & General
Topic: Should I glide from 70/30 to 50/50 ?
Replies: 34
Views: 3238

Re: Should I glide from 70/30 to 50/50 ?

But when you say "risk", what do you mean? Presumably you mean risk as probability of a certain magnitude of lower total real return, right? I believe the "risk" is the chance of you not being able to accomplish your goals (whether they're short or long term). A significant loss...
by harikaried
Fri Mar 09, 2012 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Placement in Retirement Accts, Exp. Portfolio Return
Replies: 8
Views: 869

Re: Bond Placement in Retirement Accts, Exp. Portfolio Retu

Another way to look at your overall positions by location and by type: 19.54% Her Roth at Vanguard 22.67% His Roth at Vanguard 22.28% Joint Taxable at Vanguard 35.52% His 401k at Principal 22.26% Bonds (VBTLX, DBIRX) 19.82% International (VTIAX) 52.62% US Total Market (VEXAX, VTSAX, S&P500) 5.31...

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