Search found 1181 matches

by harikaried
Wed Oct 19, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or 401(k)?
Replies: 29
Views: 3081

Re: 15 year mortgage or 401(k)?

Gropes & Ray wrote:I am currently saving 15% for retirement in tax advantaged space. The extra $4,000 would put me at about 20%.
Sounds like you're single with income around $80k putting you in the 25% tax bracket. If your after-tax expenses are $4000 less, then you can put an extra $5000 pre-tax money in your 401k.
by harikaried
Mon Oct 17, 2016 7:40 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17938

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

So, for the purposes of this thread I just want to know what people think as to how well this new fund can be expected to track its index over time. Perhaps one metric is to look at the fund manager's portfolio/experience: m Geode Capital Management since 6/7/2016 Funds Currently Managed FIAM Commo...
by harikaried
Sun Oct 16, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says we owe over $2 million -- when to round amounts?
Replies: 28
Views: 9711

Re: IRS says we owe over $2 million -- when to round amounts?

Just got the letter back from the IRS. They reduced the interest by ~$20k and the taxes by ~$2 million. If only we could write a letter to the IRS each year and have taxes reduced by that much. Just to recap, we received the initial letter from IRS and replied late June, so 3.5 months to get things ...
by harikaried
Thu Oct 13, 2016 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Exchanging 100% of one fund for another
Replies: 2
Views: 430

Re: Question about Exchanging 100% of one fund for another

The number of shares you own doesn't change when the price changes. "Exchange all" is what you want.
by harikaried
Wed Oct 12, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Using Swipe Readers
Replies: 5
Views: 897

Re: Using Swipe Readers

Square also has a combined swipe and chip/EMV reader (but no contactless/NFC) for $29:
https://squareup.com/shop/reader

Although swipe readers seem to be phasing out because of the liability shift to merchants:
https://squareup.com/emv-liability-shift
by harikaried
Sat Oct 08, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 39
Views: 8771

Re: Fidelity password security policies

I just tried right now and I was able to log in with the phone-numeric version of my username and phone-numeric version of my password. Do you have 2-factor enabled?

The website login is also case insensitive for me as well as the app login.
by harikaried
Sat Oct 08, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 46737

Re: Tesla X

I wonder why, since the 60 battery is, afaik, still available in the S. My guess is that Tesla wants their vehicles to have at least ~215 miles that they've announced for Model 3. Even when charged to 100%, the X60D range shows up as 199 miles. With the v8 software update, S60 owners are seeing 214...
by harikaried
Sat Oct 08, 2016 6:21 am
Forum: Investing - Theory, News & General
Topic: Fidelity Go (Robo-Service) has launched nationwide
Replies: 25
Views: 5854

Re: Fidelity Go (Robo-Service) has launched nationwide

Interesting twist of including the underlying fund fees in the .35%-.40% management fee. Turns out this fee structure of including underlying funds is likely caused by the Department of Labor's fiduciary rule. Michael Kitces talked about this back in May: m Basically, the "Level Fee Fiduciary&...
by harikaried
Fri Oct 07, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: refinance to 15 year fixed mortgage?
Replies: 11
Views: 1463

Re: refinance to 15 year fixed mortgage?

Closing costs with Penfed would be their 1% origination fee and $2,300 in other costs. If you're looking at PenFed but want to avoid the origination fee (~$1000), you might want to check out their 5/5 ARM: m Currently it's 2.625% for the first 5 years before it adjusts by at most 2%. The payments a...
by harikaried
Thu Oct 06, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Sorry, but tell [me] what to do with my mortgage
Replies: 62
Views: 5881

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

while you mention saving the $1 of interest you neglect to mention the opportunity cost of the money that was used to save that $1. If I'm making $2 then after I pay $1 in interest and get back $0.25 on my taxes I'm coming out ahead. If you didn't pay the interest, your $2 that you make and pay the...
by harikaried
Wed Oct 05, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: 30 yr mortgage, but pay like a 15 yr?
Replies: 55
Views: 6914

Re: 30 yr mortgage, but pay like a 15 yr?

Basically you would be paying a small amount of extra interest (0.25% or so probably) The difference in interest rate between 30-year and 15-year is a bit more than 0.25%. Right now you can get a 30-year rate of 3.5% while a 15-year rate is 2.75%. That difference of 0.75% means for every $100k borr...
by harikaried
Wed Oct 05, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 174498

Re: Tesla S

I'll stick with my Subarus, I guess and be happy when I make my 720 mile trip with one stop for gas/food/bathroom (done this trip many times)....and back on the highway in under 15 minutes. How many times in a year would you be making this trip? If you value the ability to make the 700 mile trip wi...
by harikaried
Wed Oct 05, 2016 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Which one to do first, a Refinance or Remodel?
Replies: 10
Views: 889

Re: Which one to do first, a Refinance or Remodel?

Chowder wrote:I currently have enough available cash to either do a refinance
What cash do you need for a refinance?

Chowder wrote:the value added to my house after the remodel is finished also seems equally as positive
What positive do you see from remodeling in regards to a subsequent refinance?
by harikaried
Mon Oct 03, 2016 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to pay extra principal towards mortgage?
Replies: 44
Views: 8060

Re: Is it worth it to pay extra principal towards mortgage?

2.) One of the main reasons I started this thread was to free up more cash flow in order to increase my retirement saving rate. Due to this, I don't think a 15 year refinance would be a good option as it will increase my monthly payments. So should I only consider a 30 year refinance if more cash f...
by harikaried
Sat Oct 01, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: The Best Air Miles Rewards Program
Replies: 29
Views: 3681

Re: The Best Air Miles Rewards Program

which don't have huge surcharges for FF flights the way British Airways does for AA miles I'm pretty sure that booking the other way for American or Alaska Airline flights with British Airways Avios points has a $5.60 fee (for domestic?) to book and the rest is miles. British Airways is somewhat sp...
by harikaried
Fri Sep 30, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to pay extra principal towards mortgage?
Replies: 44
Views: 8060

Re: Is it worth it to pay extra principal towards mortgage?

I would not consider the 13K to rid yourself of PMI and refinance as separate transactions. nobodyukno has an option of paying $17.5k to skip the appraisal to remove PMI, so then refinancing could be treated as a separate transaction. That $17.5k towards principal not only saves the PMI payments, i...
by harikaried
Fri Sep 30, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to pay extra principal towards mortgage?
Replies: 44
Views: 8060

Re: Is it worth it to pay extra principal towards mortgage?

You're saying I could refinance at no cost? Yes, but those generally have a higher interest rate. Basically, you're trading interest rate for points (where each point is 1% of the loan balance in cash up front), and this can go in either direction. For example, you sometimes hear "buy down poi...
by harikaried
Fri Sep 30, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to pay extra principal towards mortgage?
Replies: 44
Views: 8060

Re: Is it worth it to pay extra principal towards mortgage?

I believe our interest rate is already fairly low if I'm correct, and then changing to a 15 year mortgage I'm assuming would increase my monthly payment by more than $400 Your current mortgage including PMI is roughly 4.7%. You could probably refinance to a 15-year mortgage at 2.75% at no cost, so ...
by harikaried
Thu Sep 29, 2016 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional PPO vs high-deductible PPO + HSA
Replies: 29
Views: 2924

Re: Traditional PPO vs high-deductible PPO + HSA

Any idea what the coinsurance rate is? Potentially if you don't need to pay anything after your deductible for in-network service, the traditional plan would be the premium + $500 compared to the PPO+HSA premium + $3000. But even then, your numbers seem to point to PPO+HSA even if you don't pay anyt...
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: 75
Views: 11083

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: 1173

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: 62
Views: 5881

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: 1165

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: 55
Views: 7385

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: 391

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: 59
Views: 4969

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: 59
Views: 4969

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: 59
Views: 4969

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: 59
Views: 4969

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: 411

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: 91
Views: 17938

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: m Asset Allocation AS OF 7/31/2016 63.11% Developed Value & Growth 12.95% Developed Small Cap 20.38% Emerging Markets 03.56% Cash...
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: 2012

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: 263
Views: 29169

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: 91
Views: 17938

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: m It does show Category: Foreign Large Blend, but I think it has had that for a...
by harikaried
Mon Aug 29, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 5741

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. m...
by harikaried
Fri Aug 26, 2016 1:51 pm
Forum: Investing - Theory, News & General
Topic: Schwab now offering low cost Target Date funds
Replies: 28
Views: 6254

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: 4534

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: 4492

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: 8501

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: 4662

Re: SolarCity SolarBonds 6.5%

Looks like at least some people are buying these bonds with large amounts of money. m Elon Musk and his cousins Lyndon Rive and Peter Rive are buying $100 million of solar bonds from their rooftop solar company, SolarCity Corp. Arguably, they probably make much more than 6.5% if this is successful, ...
by harikaried
Mon Aug 22, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 4492

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: 953

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: 7883

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: 953

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: 22
Views: 2043

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: 1680

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: 6690

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: 73
Views: 11628

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: 13777

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. m How many crashes happen today because peopl...