Search found 1093 matches

by harikaried
Thu Jun 02, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Self Driving Cars
Replies: 51
Views: 2667

Re: Self Driving Cars

So 36 years total and a huge amount of that time in creating laws suitable for the technology. Here's a presentation from earlier this year by Tony Seba: "Clean Disruption - Why Energy & Transportation will be Obsolete by 2030 - Oslo, March 2016" https://www.youtube.com/watch?v=Kxryv2...
by harikaried
Thu Jun 02, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Self Driving Cars
Replies: 51
Views: 2667

Re: Self Driving Cars

Like wise the 2016 article talks about the road construction issues where a policeman is waving traffic through a red light or stopping traffic at a green light. Turns out the 2016 article was at least 1 year behind what's already possible with the technology. Less than a minute of searching result...
by harikaried
Thu Jun 02, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Self Driving Cars
Replies: 51
Views: 2667

Re: Self Driving Cars

The authors point out that no SDC can negotiate this kinds of common street issues now or in the foreseeable future. Can't be done now or foreseeable future? Google cars can already handle bike turn signals. For those who aren't familiar, a biker sticking out a straight left arm implies the bike wi...
by harikaried
Wed Jun 01, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Self Driving Cars
Replies: 51
Views: 2667

Re: Self Driving Cars

http://gizmodo.com/6-simple-things-googles-self-driving-car-still-cant-han-1628040470 Linking to an article about technology from almost 2 years ago? For some context, Tesla didn't even turn on AutoPilot auto steering software until about 1 year after that article was written. And in less than a ye...
by harikaried
Tue May 31, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 25614

Re: Soapbox (car safety features)

So it down shifts the car and slams the accelerator hard for 15-20 seconds to get the car to accelerate from 52mph back to 55 mph. I believe all EyeSight vehicles have CVT, so there is no sudden downshift with kick. Some people complain about CVT because that immediate surge makes things feel faste...
by harikaried
Tue May 31, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 25614

Re: Soapbox (car safety features)

There is NEVER a situation in my daily commute where I want my car to track the idiot in front of me eating their bagel and sending texts. So what do you do when someone is driving slowly in the carpool lane and the traffic to the right is bumper to bumper? Do you pull into the left shoulder becaus...
by harikaried
Tue May 31, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 25614

Re: Soapbox (car safety features)

But then a car swerves into you lane say 10-15 cars ahead of you going 45 but it is accelerating. How does this new cruise work? Does it slam on the brakes to slow and try to maintain 10 car spacing or does it just let the distance close to 3-4 cars while the other car accelerates to 65 and then mo...
by harikaried
Tue May 31, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much can you make from the credit card / bank account game?
Replies: 54
Views: 4988

Re: How much can you make from the credit card / bank account game?

I realized that I can pay my rent with a CC. Yes, there's a 3% fee, but if I can get 1-2% back with a CC *and* use that to hit my minimum spend for the CC it should be worth it by a wide margin. Just remember that if you would have hit your minimum spend without charging your rent, then you would b...
by harikaried
Tue May 31, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much can you make from the credit card / bank account game?
Replies: 54
Views: 4988

Re: How much can you make from the credit card / bank account game?

In roughly the last 12 months, we've made almost $10k across 14 credit cards through cash back sign up bonuses and various credits/refunds with normal spending/charges. We could probably have made more through clever transferring of points to various airlines, but that seems to take a lot more plann...
by harikaried
Thu May 26, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 959
Views: 118147

Re: What's Your Credit Card Rewards Strategy?

Priceline Visa (2% everything): Redeem for statement credit against existing charge whenever I have $25+ If you ever have travel purchases, it's better to redeem against those as you get 10% of the used points back resulting in effectively 2.2% cashback. Even better is if you make purchases on Pric...
by harikaried
Wed May 25, 2016 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage pay-off "match" from parents?
Replies: 25
Views: 2305

Re: Mortgage pay-off "match" from parents?

my parents have made the incredibly generous proposal that for every dollar that I prepay my mortgage principal, beyond the monthly requirement, they will match it on their end I suppose technically, selling the place will result in a large principal payment well beyond the monthly requirement… ;) ...
by harikaried
Mon May 23, 2016 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 60
Views: 8855

Re: Anyone use Fidelity as their bank account?

EFT/ACH transfers are different - they can be fast and with speeds similar to a Bank. Again, I was told that when it comes to clearing Checks - the regulations are slightly different for Brokerages and Banks. I initiated a transfer on the 20th pulling money into Fidelity, and the "Manage Cash&...
by harikaried
Sun May 22, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Spouse paycheck
Replies: 8
Views: 989

Re: Spouse paycheck

Would you do anything differently if you asked yourself:

So our pay started increasing. Our income is invested 60% stocks, 40% bonds. Please suggest what to do with our additional income.
by harikaried
Tue May 17, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 60
Views: 8855

Re: Anyone use Fidelity as their bank account?

fast/slow availability-to-withdraw threshold as it seems to be $250 (or potentially up to $299.99?) To confirm with a representative, the official stance is that mobile check deposits should be available after 4 business days. Typically checks $250 and lower will be available after 2 business days....
by harikaried
Mon May 16, 2016 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 60
Views: 8855

Re: Anyone use Fidelity as their bank account?

Just updating on my test deposits now that it's May 17th eastern time. I deposited 3 more checks over the weekend for $250, $300, $350; and now on the "manage money & payments" page, it shows: Deposits Not Yet Available to Withdraw $1,900.00 Scheduled to be Available on 05/18/2016 $1,2...
by harikaried
Mon May 16, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone trade with their Fidelity Cash Management Account?
Replies: 19
Views: 1967

Re: Anyone trade with their Fidelity Cash Management Account?

I did some testing today and bought a couple shares of MUB (iShares Muni Bond). Turns out if you've increased your "cash available to trade" by making check deposits, placing a Buy order will still use up "cash available to withdraw" first. I suppose one could think of the cash a...
by harikaried
Sat May 14, 2016 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 60
Views: 8855

Re: Anyone use Fidelity as their bank account?

Got an email just past midnight eastern time Saturday May 14th: Fidelity Alerts - Deposit Received Instead of "Received Today 05/13/2016" it now says "Scheduled to be Available on 05/17/2016 $600.00" And each of the "Recent Transactions" lines that previously said "...
by harikaried
Fri May 13, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 60
Views: 8855

Re: Anyone use Fidelity as their bank account?

I'll deposit 3 checks to myself: $199, $200, $201 to see when they become available. Under "Activity & Orders": 05/13/2016 Mobile Check Deposit (Estimated completion: Deposits are generally posted to your account by the next business day.) Checks Pending $199.00 As of end of business ...
by harikaried
Fri May 13, 2016 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 60
Views: 8855

Re: Anyone use Fidelity as their bank account?

Now Settled cash = Cash Available to Withdraw. 6 days after deposit. Wow something definitely not right with your account. I'd reach out to fidelity to see if they can sort it out. I believe 5 business days is typical for checks over $200 from my experience. Each check under $200 should be availabl...
by harikaried
Fri May 13, 2016 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone trade with their Fidelity Cash Management Account?
Replies: 19
Views: 1967

Re: Anyone trade with their Fidelity Cash Management Account?

You said your brokerage account is outside fidelity? We are talking about moving it within fidelity to a fidelity brokerage account. It isn't being withdrawn just transferred. Sorry I was unclear. The brokerage account we actually have money in isn't at Fidelity, but we do have an empty Fidelity Br...
by harikaried
Thu May 12, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone trade with their Fidelity Cash Management Account?
Replies: 19
Views: 1967

Re: Anyone trade with their Fidelity Cash Management Account?

I do not believe you have to wait for the transfer of money to completely settle before you can move the money from the Fido CMA account to your Fido Brokerage account to begin making purchases. I just tested as we deposited some checks yesterday. The money shows up in the total account value balan...
by harikaried
Thu May 12, 2016 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone trade with their Fidelity Cash Management Account?
Replies: 19
Views: 1967

Re: Anyone trade with their Fidelity Cash Management Account?

You can transfer to another fidelity taxable brokerage account. That is what i usually do to keep things separate. Any reason to keep them separate? I suppose keeping things separate makes it easy to glance at the balance where the typical number reported is the total account balance and not just s...
by harikaried
Thu May 12, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone trade with their Fidelity Cash Management Account?
Replies: 19
Views: 1967

Re: Anyone trade with their Fidelity Cash Management Account?

Digging around a bit more, it looks like the CMA has more insurance coverage: https://www.fidelity.com/why-fidelity/safeguarding-your-accounts CMA automatically splits cash/core position across 5 banks to get 5 times the normal FDIC $250k insurance coverage, so $1,250,000. Because CMA is a brokerage...
by harikaried
Thu May 12, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone trade with their Fidelity Cash Management Account?
Replies: 19
Views: 1967

Anyone trade with their Fidelity Cash Management Account?

In another thread asking about using Fidelity as a bank/checking account , I noticed that mobile check deposits are "available" the next business day but not withdrawable for a few more business days. This got me wondering, what could be done with deposited money in a bank account if not t...
by harikaried
Fri May 06, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 16435

Re: how much cash do you carry in your wallet?

Usually two $20 bills. If we need to use the cash, I give the change to my wife (sometimes in exchange for a $20 bill).
by harikaried
Thu May 05, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 8085

Re: How many funds in your portfolio?

3 asset classes 9 total funds 10 accounts 5 US equity funds: FSEVX Spartan US Small (401k) FSTMX Spartan US Market (529s) FSTVX Spartan US Market (solo 401k) ITOT iShares US Market (solo 401k [below $2500 minimum for FSTMX]) SWTSX Schwab US Market (donor-advised fund) 3 International equity funds: F...
by harikaried
Thu May 05, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 40705

Re: Tesla X

a likely sign that Musk might be talking to the big 3 or other foreign brands to use some of their factory capacity to build the Model 3 That seems quite unlikely given what Musk has said: "Tesla is going to be hell-bent on becoming the best manufacturer on Earth." http://www.teslacentral...
by harikaried
Sun May 01, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1971

Re: anyone with experience with car with frontal collision alert?

I can just imagine the system not working as planned and the test car plowing right through the cardboard box followed by plowing right into the lead car. Yes, learn from other people's mistakes and don't test with people: Volvo Collision avoidance System Fail https://www.youtube.com/watch?v=IBCr-X...
by harikaried
Sun May 01, 2016 2:16 am
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1971

Re: anyone wiht experience with car with frontal collision alert?

does eyesight beep when you are closing in fast to a car, or is it silent until it must brake? I believe there's 3 levels to the Eyesight pre-collision system: 1) initial warning short beeps that there's a risk of collision (e.g., you're coasting and don't realize the car ahead has stopped and you'...
by harikaried
Thu Apr 28, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 106
Views: 10006

Re: Selling in May and Walking Away?

Stay in May and walk away?
by harikaried
Wed Apr 27, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 25614

Re: Soapbox (car safety features)

So answer me this. Why on a site where people will beat to death the debate of Keurig K-Cup being a waste of $.0314159 per cup over using a regular drip coffee maker, that those same people so eagerly jump to spend an additional $5k, $10k, $20k+ on these new auto safety features, even though they'v...
by harikaried
Sun Apr 24, 2016 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 97
Views: 9288

Re: Relocating to a tax free state with good weather need advice

The ones with warm weather would be Florida, Nevada, and Texas. Personally I like snow and cold weather, so I think Alaska, Washington, and Wyoming sound nice. Another factor to consider might be estate/inheritance tax. Of the above, Washington and Nevada have estate/inheritance taxes. Are you sure...
by harikaried
Sun Apr 24, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Trust - Am I being Bamboozled?
Replies: 50
Views: 5667

Re: Irrevocable Trust - Am I being Bamboozled?

Given that this is cash expected to be used up in the process of paying for mom's expenses with a trusted child who is looking out for mom... Any reason to not just directly gift the money to the child? There probably won't be much step up basis benefit maintained by having the money in a trust. Ide...
by harikaried
Fri Apr 22, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: NEW Funds added to 401K Help
Replies: 6
Views: 591

Re: NEW Funds added to 401K Help

This might be easier for people to scan (expense ratio, symbol, category, name): 0.72% MITHX Large Cap U.S. Stock MFS Massachusetts Investors Tr R3 0.74% MIGHX Large Cap U.S. Stock MFS Massachusetts Investors Gr Stk R3 0.74% MSFHX Balanced MFS Total Return R3 0.76% FTBRX Diversified Bond Fidelity Ad...
by harikaried
Fri Apr 22, 2016 3:13 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 9225

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

You asked something similar back in October: "I am scared of a bear is it ok to take longer to go in?" https://www.bogleheads.org/forum/viewtopic.php?f=2&t=175566 If you were in then, you would be up probably 5% in half a year. But then maybe you would have sold in January/February? Or...
by harikaried
Wed Apr 20, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Save how much before paying off mortgage?
Replies: 4
Views: 855

Save how much before paying off mortgage?

If one wants to save enough money so that when paying off the mortgage in a lump sum, one would be able to cover the same amount of monthly expenses before/after, what's the savings threshold? Before paying off the mortgage, one has S savings and monthly E expenses, so S / E months of covered expens...
by harikaried
Wed Apr 20, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 25614

Re: Soapbox (car safety features)

But that automatic braking systems will really cost someone at least $4K more and maybe $11K more, not $800. The issue is you have to buy the higher end car (Subaru 3.6R is about $37K) versus the standard model (Subaru 2.5i is about $26K) and you have to add all kinds of features to that high end c...
by harikaried
Sat Apr 16, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 12483

Re: mortgage pre payment, why?

How did a 45% bonds, 45% stock, 10% cash portfolio do in your case. Here's the numbers assuming 3% portfolio growth each year except for 2 years of 10% portfolio loss. Again with the mortgage, net $0 saved each month vs $4k saved each month without mortgage: $500k -> $515k -> $530k -> $477k -> $430...
by harikaried
Sat Apr 16, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 12483

Re: mortgage pre payment, why?

boglebill2015 wrote:WHy did you use a 9% mortgage in your case? (thats 4K a month on 500K
I didn't. You can easily have a $4k payment with a 3.875% 30-year mortgage if the original loan balance was $800k, which is not unusual for California.
by harikaried
Sat Apr 16, 2016 2:55 am
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 12483

Re: mortgage pre payment, why?

I am still better off with 300K and a 4K a month mortgage than 40K (which would only be 24K in your doomsday scenario) and no mortgage. This "doomsday scenario" actually happened in 2007-2009 where a 20% drop was followed by a 25% drop. If you want to compare with "how many months be...
by harikaried
Sat Apr 16, 2016 12:48 am
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 12483

Re: mortgage pre payment, why?

I'd rather have 500K in cash and a 500K mortgage, then no cash and no mortgage. How would you feel if you had $400k in cash/invested and a $500k mortgage compared to no mortgage and having $4000 to save/spend/invest each month? What if a year later your original $500k cash is now $300k and still ow...
by harikaried
Thu Apr 14, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 25614

Re: Soapbox (car safety features)

Why would I want my driving/speed dictated by whomever happens to be in front of me? For example... Here's some more likely examples: You're cruising along at 70mph and someone slowly entered the lane several cars ahead resulting in everyone slowing down to 65mph before the entering car speeds up. ...
by harikaried
Wed Apr 13, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: Bay Area Survey: 83% building wealth, 71% confident reaching goals, 68% have financial plan
Replies: 3
Views: 1196

Bay Area Survey: 83% building wealth, 71% confident reaching goals, 68% have financial plan

Pages 17 through 28 have results from a Charles Schwab survey of San Francisco Bay Area residents on Personal Finance and Equity Compensation: https://aboutschwab.com/images/uploads/inline/Charles_Schwab_SF_Bay_Area_Survey_Full_Findings.pdf On equity compensation: 65% don't use financial professiona...
by harikaried
Tue Apr 12, 2016 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k contributions not subject to short-term trading fees?
Replies: 1
Views: 364

Fidelity 401k contributions not subject to short-term trading fees?

My 401k at Fidelity has various funds that have short-term trading fees, e.g., "SPTN INTL INDEX ADV (FSIVX): Short term trading fees of 1% for fee eligible shares held less than 90 days." When setting up future contribution investment elections, it gives a warning: "Fees might be asse...
by harikaried
Tue Apr 05, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 21358

Re: Tesla Model 3 anyone?

Build sports car Use that money to build an affordable car I guess the Model S is the "affordable car" (yikes!) The base price for the sports car Roadster was $109,000. There initially was a 40 kWh Model S that started at $59,900, so that was relatively affordable, but it got discontinued...
by harikaried
Mon Mar 28, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: When to start prepaying an adjustable rate mortgage?
Replies: 6
Views: 975

Re: When to start prepaying an adjustable rate mortgage?

This is lower than the after-tax rate on a 15-year mortgage. If you pay down the mortgage so that it is paid off in 10 years, your payments have a duration of 12.5 years. Oh right, prepayments will shorten the duration of the mortgage, so that makes the case of prepaying a 30-year mortgage even str...
by harikaried
Sun Mar 27, 2016 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Opening multiple credit cards for bonuses?
Replies: 30
Views: 3029

Re: Opening multiple credit cards for bonuses?

Fieldsy1024 wrote:21 or more? wth?
It's counting all accounts opened or closed. If you refinance a mortgage, you'll have at least 2 accounts. Basically it's counting the number of times someone has approved lending to you whether a loan or credit line.
by harikaried
Sun Mar 27, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: When to start prepaying an adjustable rate mortgage?
Replies: 6
Views: 975

When to start prepaying an adjustable rate mortgage?

Assuming the goal is to pay off an adjustable rate mortgage loan when it adjusts, when should one start prepaying the mortgage instead of investing in bonds/CDs? Current 5/1 ARMs are available at 2.75% while highest pre-tax yields for the same 5-year maturity: 1.7% CDs, 1.5% US Treasury, 2.0% Agency...
by harikaried
Sat Mar 26, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Opening multiple credit cards for bonuses?
Replies: 30
Views: 3029

Re: Opening multiple credit cards for bonuses?

Over the last year, we've opened up almost 15 credit cards between the two of us each averaging over $500 in rewards (sign up bonuses, reimbursements, cashback from meeting spend requirements). We basically got two of each of the top ranked cards from this list: http://www.doctorofcredit.com/best-ca...
by harikaried
Sat Mar 26, 2016 1:18 am
Forum: Personal Finance (Not Investing)
Topic: No debt, want to downsize,should we take loan for some, upgrades to house before selling?
Replies: 15
Views: 1247

Re: No debt, want to downsize,should we take loan for some, upgrades to house before selling?

While most homes, even those with updates,sell for $350K or less, one home really stood out, completely renovated. It went for over $500K, the highest price on the street Do you know how much money and time they put into the renovations? You mention some things need updates -- sometimes an old leak...

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