Search found 1128 matches

by harikaried
Fri Sep 21, 2012 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card debt
Replies: 18
Views: 1606

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: 1928

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: 2397

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: 1936

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: 13137

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: 1120

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: 780

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: 780

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?
by harikaried
Sat Sep 15, 2012 11:01 am
Forum: Investing - Theory, News & General
Topic: Stay in MM and Savings Accounts for Emerg Fund?
Replies: 9
Views: 1067

Re: Stay in MM and Savings Accounts for Emerg Fund?

With the recent actions taken by the FED I am really scratching my head about staying in a money market for my Emergency Fund Citibank just dropped my emergency fund savings interest rate I was in from .3% to .2% because of the actions, and this got me looking for another savings account. Right now...
by harikaried
Sat Sep 15, 2012 10:56 am
Forum: Investing - Help with Personal Investments
Topic: 100% bond in Roth?
Replies: 16
Views: 1385

Re: 100% bond in Roth?

We also have tax-deferred retirement 401k accounts. We are holding bonds there as much as we can. We need more bonds either in taxable accounts or in Roth or both... should we maintain 50/50 in Roth and 50/50 in taxable separately ? It seems like you might be introducing more overhead than necessar...
by harikaried
Sat Sep 15, 2012 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing / Market timing
Replies: 29
Views: 1725

Re: Rebalancing / Market timing

It sounds like you would like to have an overall asset allocation with a portion in cash. Maybe you're looking for something like 75stock/20bond/5cash or 70stock/20bond/10cash. So whenever stocks or bonds go up, the process of returning to your asset allocation might automatically sell stocks/bonds ...
by harikaried
Fri Sep 14, 2012 12:20 pm
Forum: Investing - Theory, News & General
Topic: Does rebalancing adjust risk?
Replies: 16
Views: 792

Re: Does rebalancing adjust risk?

If equity prices change, say go up, how does the risk of holding equities change? Does it become a) riskier, b) no change, or c) less risky? If less risky (which makes sense since expected return is less) .. What do you mean by risk? From that statement, it seems like you're saying there's less ris...
by harikaried
Wed Sep 12, 2012 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card for bad credit?
Replies: 16
Views: 1161

Re: Credit card for bad credit?

Have you looked at any secured credit cards?
by harikaried
Tue Sep 11, 2012 8:28 pm
Forum: Investing - Theory, News & General
Topic: % in each Morningstar style box to match stock market
Replies: 4
Views: 629

Re: % in each Morningstar style box to match stock market

Go look at a Total US Stock Market index fund like VTSAX at Morningstar Here's some links: Vanguard VTSMX: http://portfolios.morningstar.com/fund/summary?t=VTSMX (24/23/24/6/6/7/3/3/3) Fidelity FSTMX: http://portfolios.morningstar.com/fund/summary?t=FSTMX (25/22/24/6/7/7/3/3/3) Schwab SWTSX: http:/...
by harikaried
Fri Sep 07, 2012 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Any bond fund with e.r. less than 0.10%?
Replies: 14
Views: 2044

Re: Any bond fund with e.r. less than 0.10%?

livesoft wrote:Is anybody aware of any bond fund/ETF with a lower expense ratio from any vendor?
The lowest I know of is Schwab ETF SCHZ at 0.10%.
by harikaried
Fri Sep 07, 2012 10:35 am
Forum: Investing - Help with Personal Investments
Topic: What is your rebalancing policy?
Replies: 64
Views: 7982

Re:

Does anyone have this same graph for the 5% and 10% band rebalancing rule? Not quite a graph, but Vanguard Research has a table of numbers that you're probably looking for (in Figure 7): http://www.vanguard.com/pdf/icrpr.pdf Figure 8 also shows that annual rebalancing compared to monthly rebalancin...
by harikaried
Mon Sep 03, 2012 10:26 pm
Forum: Forum Issues and Administration
Topic: How did you find the bogleheads website??
Replies: 98
Views: 8414

Re: How did you find the bogleheads website??

Through the FatWallet Finance forums, which I found by searching for best savings account rates and credit card deals. Quite often people said to check out bogleheads for investing questions.
by harikaried
Thu Aug 30, 2012 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended timing for RMD's from Inherited IRA & rebalancin
Replies: 16
Views: 1635

Re: Recommended timing for RMD's from Inherited IRA & rebala

The main thing you're trading off is how much money grows in your Inherited IRA vs 401k. So if you assume you'll be in a higher tax bracket now (because you have earned income vs just IRA/401k distribution income in retirement), you'll probably prefer to have growth in the 401k than Inherited IRA be...
by harikaried
Thu Aug 30, 2012 10:59 am
Forum: Investing - Theory, News & General
Topic: Do you have a 'cash' allocation?
Replies: 44
Views: 4045

Re: Do you have a 'cash' allocation?

I just keep cash at 5%. Because bonds and interest rates are somewhat negatively correlated, the magic of diversifying across the correlation reduces risk while increasing returns. So at age 30, starting with age - 15 for not stocks (alternatively 115 - age for stocks): 85% high risk (stocks) 10% lo...
by harikaried
Wed Aug 29, 2012 11:30 am
Forum: Personal Finance (Not Investing)
Topic: current best cash back credit card?
Replies: 55
Views: 10644

Re: current best cash back credit card?

You should really replace the Chase Amazon card with the Citi Forward which gives 5% cashback on Amazon purchases as well as restaurants, book stores and entertainment (like movie theaters). For 'everywhere else' purchases, I like the Priceline Rewards Visa which gives 2% on all purchases. I'm thin...
by harikaried
Wed Aug 29, 2012 10:41 am
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 45
Views: 6700

Re: So much for the 2% Cash Back Sallie Mae Visa card

Has anyone switched over to the Priceline Visa which gives 2% cash back for everything and 5% for priceline name your own price purchases? Hopefully it doesn't disappear like the Sally Mae Visa.
by harikaried
Tue Aug 28, 2012 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help a friend get out of massive debt
Replies: 57
Views: 6339

Re: Help a friend get out of massive debt

Expenses: Rent: $875 Phone:$146 Electric: $100 Cable: $146 These are per month for one person? Any idea if your friend is fully utilizing those or is willing to cut back for a while? Debt: Student loans: $15409 Personal loans: $12198 Vehicle: $9262 (no longer has vehicle; didn't have gap insurance ...
by harikaried
Tue Aug 28, 2012 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: pay off house in our situation?
Replies: 32
Views: 2543

Re: pay off house in our situation?

How would you otherwise have made the monthly payments on the mortgage? What will you be doing with that money if there are no more mortgage payments? Or if you pay down a portion, will you still want to make those extra $1000 monthly principal payments? (E.g., you could pay down $24k now and not pa...
by harikaried
Mon Aug 27, 2012 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Fees and Terms - Fidelity
Replies: 17
Views: 2735

Re: Investing Fees and Terms - Fidelity

my 401(k) doesn't have short-term redemption rules Another thing to keep in mind is that Fidelity has an "Excessive Trading Policy" usually for Spartan funds that don't have short-term redemption rules. I forget the details, but it's similar in intent of the short-term redemption rules in...
by harikaried
Mon Aug 27, 2012 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Investing Fees and Terms - Fidelity
Replies: 17
Views: 2735

Re: Investing Fees and Terms - Fidelity

... I went to change future contributions for reallocation to a more conservative fund and I get this message: "Fees might be assessed to your account as a result of future transactions " All this is saying is if you sell those future contributions within the short term period, you will b...
by harikaried
Tue Aug 21, 2012 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Importance of Tax-Efficient Fund Placement
Replies: 31
Views: 2539

Re: Importance of Tax-Efficient Fund Placement

Since I am just starting my Roth, the maximum I can put in is $5,000, meaning even if I put it all in bonds it would not meet my desired asset allocation How much would that $5000 cover your bond asset allocation? If we assume half, you put another $5000 in bonds in a taxable account, and you might...
by harikaried
Tue Aug 21, 2012 12:54 pm
Forum: Investing - Theory, News & General
Topic: Only 11% of hedgefunds outperform S&P YTD
Replies: 8
Views: 903

Re: Only 11% of hedgefunds outperform S&P YTD

Yet another reason to follow the boglehead approach! To be fair, anyone using the boglehead approach with almost any weighting towards international will also have underperformed relative to S&P YTD. VTSMX 12.91% VGTSX 8.03% S&P500 12.75% So if you had 96.7% weighting to US and 3.3% interna...
by harikaried
Mon Aug 20, 2012 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Better to pay down 0% CC or 2nd mortgage
Replies: 18
Views: 2645

Re: Better to pay down 0% CC or 2nd mortgage

I would much rather pay an $80 balance transfer fee than an 8.5% rate on the 2nd mortgage. That's an interesting approach that I've never really though about before. Except the balance transfer offers I've gotten (on my unused credit cards) have all been 3% fee for 12 months of 0%. So while 3% is s...
by harikaried
Mon Aug 20, 2012 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Better to pay down 0% CC or 2nd mortgage
Replies: 18
Views: 2645

Re: Better to pay down 0% CC or 2nd mortgage

pay the minimums on the others and attack that one with every available dollar The approach that saves the most money without opening any new savings or credit cards would be to pay down the highest interest rate balances first and paying as little as possible to avoid extra charges for the other b...
by harikaried
Mon Aug 20, 2012 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Which investments to keep in the Roth, which to keep in 401k
Replies: 9
Views: 2227

Re: Which investments to keep in the Roth, which to keep in

Which investments/asset classes are more appropriate to keep in the Roth IRA, and which are more appropriate to keep in the 401k? Principles of Tax-Efficient Fund Placement you can withdraw contributions from the Roth IRA penalty free. I do not plan on using this feature but in case of a dire unexp...
by harikaried
Mon Aug 20, 2012 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Better to pay down 0% CC or 2nd mortgage
Replies: 18
Views: 2645

Re: Better to pay down 0% CC or 2nd mortgage

$8000 at 0% APR for 10 months (June 2013 will jump to 12% APR prob), currently paying $516 a month .. what the CC calculator told me If you had to double check just one credit card with the calculator, do it for the first one with 10 months left. $8000 balance with $516 monthly payments for 10 mont...
by harikaried
Mon Aug 20, 2012 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Better to pay down 0% CC or 2nd mortgage
Replies: 18
Views: 2645

Re: Better to pay down 0% CC or 2nd mortgage

$8000 at 0% APR for 10 months (June 2013 will jump to 12% APR prob), currently paying $516 a month $8500 at 0% APR for 18 months (February 2014 will jump to 20% APR), currently paying $508 a month $48,500 at 8.5% 2nd mortgage, paying $405 a month freed up around $300 bucks to use monthly Adding up ...
by harikaried
Sun Aug 19, 2012 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: 2% Cash Back with No Brokerage Account
Replies: 68
Views: 21496

Re: Why Fidelity 2% card is good despite brokerage requireme

My personal observation is that these days I hardly ever come across places that do not accept AmEx - none I can remember in the last several months, not even one. My own experience is that my credit card charges (by dollar amount) are almost equally split between AmEx (47%) and Visa (53%). I would...
by harikaried
Sun Aug 19, 2012 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2% Cash Back with No Brokerage Account
Replies: 68
Views: 21496

Re: Why Fidelity 2% card is good despite brokerage requireme

2% flat is the best reward rate anywhere. Most complex 5%, 6% tiered or conditional schemes work out to be less than 2% all transactions considered. Yup. I just did the math on my cards, and decide to apply for this Priceline card to replace my AmEx Blue Cash (5%/1%; 1%/0.5% before $6500 threshold)...
by harikaried
Fri Aug 17, 2012 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences Moving From High to Low Cost State?
Replies: 72
Views: 18912

Re: Experiences Moving From High to Low Cost State?

anyone else who is troubled by CA and thinking My wife and I are planning on moving from San Jose to Reno for a change in lifestyle -- smaller town feel close to ski/mountains/Tahoe. Turns out same size house 3bd/2ba/1400sqft goes for ~$150k/$2k-tax instead of $500k/$6k-tax so probably over $1.5k e...
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: 18912

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: 11822

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: 1217

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: 2852

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: 1217

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: 1217

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: 11822

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: 12479

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: 3661

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: 6273

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: 3616

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: 887

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: 4133

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: 3938

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: 326

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 ...

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