Search found 1096 matches

by harikaried
Thu Nov 03, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Family $6,750 limit questions
Replies: 100
Views: 6192

Re: HSA Family $6,750 limit questions

The maximum annual HSA contribution for a married couple with family HDHP coverage is the lesser of: (1) the lowest HDHP family deductible applicable to the family (minimum $2,000) or (2) the section 223(b)(2)(B) statutory maximum ($5,150 in 2004). Does (1) still apply today? I.e., you can contribu...
by harikaried
Thu Nov 03, 2016 1:46 am
Forum: Investing - Theory, News & General
Topic: Low Interest Rates: Opportunities Missed?
Replies: 14
Views: 2120

Re: Low Interest Rates: Opportunities Missed?

Do you have any short term debt at rates higher than 2%? You could take money out to pay off those other loans and repay the margin with regular income. In addition to having a lower rate, this would avoid capital gains tax if you would have sold positions to pay off the loans.
by harikaried
Wed Nov 02, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Anything to do before ARM adjusts? [2017 Update]
Replies: 10
Views: 987

Re: Anything to do before ARM adjusts?

it might be a viable low-cost hedging strategy. This got me wondering if there are other cheap ways to get a loan or line of credit to finish off a small balance mortgage. I'm pretty sure PenFed used to allow cash out refinancing/recasting of their auto loans, so potentially one would effectively c...
by harikaried
Tue Nov 01, 2016 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Anything to do before ARM adjusts? [2017 Update]
Replies: 10
Views: 987

Re: Anything to do before ARM adjusts?

If you have an escrow account, you will want to review that. We don't have an escrow account, but is this something that would change when the rate adjusts? I would assume if one did have an escrow account, the new monthly payments would have an unchanged insurance/tax escrow payment on top of the ...
by harikaried
Mon Oct 31, 2016 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anything to do before ARM adjusts? [2017 Update]
Replies: 10
Views: 987

Re: Anything to do before ARM adjusts?

Refinace to a fixed rate to avoid further rate increases? Or refinance to another ARM at a lower rate Actually, these comments made me realize we have an unused 5/5 HELOC with PenFed that has a slightly lower rate (Prime Rate) than the adjusted new rate of the ARM. The remaining principal is within...
by harikaried
Mon Oct 31, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anything to do before ARM adjusts? [2017 Update]
Replies: 10
Views: 987

Anything to do before ARM adjusts? [2017 Update]

Edit: Updated in 2017 in a reply below. tl;dr: $0 balance on mortgage! We recently passed the within-45-days-of-Change-Date mark, so we received a letter saying the rate will change for the first time for our 3/1 ARM from 2.625% to 3.875% on December 1. From my reading of the Note, it looks like th...
by harikaried
Mon Oct 31, 2016 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Effect of auto loan pre-payment on interest owed
Replies: 10
Views: 1004

Re: Effect of auto loan pre-payment on interest owed

"We will figure the finance charge on a daily basis at the annual percentage rate on the unpaid part of the amount financed." Pretty sure this means that from your last payment, the remaining principal will be used to calculate interest at the APR in proportion to how many days went by. F...
by harikaried
Sun Oct 30, 2016 9:12 pm
Forum: Investing - Theory, News & General
Topic: Guaranteed 6.8% by paying down student loans?
Replies: 18
Views: 1982

Re: Guaranteed 6.8% by paying down student loans?

simplesimon wrote:You're not considering the savings in interest being invested for 20 years.
This. Also that you had to pay off the loan by year 10.
by harikaried
Thu Oct 27, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Switching to a HDHP with a HSA mid year because spouse with FSA loses coverage?
Replies: 5
Views: 525

Re: Switching to a HDHP with a HSA mid year because spouse with FSA loses coverage?

Should I just sign up to a HDHP for 2017 now, open a HSA with it, and fund 0 into it until the first day of the month after she quits? I don't have answers, but here's another question: Could you sign up for individual HDHP for yourself and fund it right away then switch to family HDHP and fund the...
by harikaried
Sun Oct 23, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 11424

Re: How many have moved from California due to Cost of Living?

We find the numbers we want to see. Don't we? Are you trying to say my numbers of ~$6k/mo in Bay Area vs ~$1.5k in Reno are too high compared to your $4.7k/mo 2000 sqft $1M house? The numbers I was looking at are actual house sales from the last 3 months not list prices. I just did the same thing o...
by harikaried
Sat Oct 22, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 11424

Re: How many have moved from California due to Cost of Living?

the thing that has kept me planted where we are is my entire family (parents, grandparents, sister, etc.) all are within a 20 minute radius. One way to look at it is how much do you value those benefits of living in the Bay Area? My wife and I both grew up in the Bay Area, and now we're in Reno bot...
by harikaried
Fri Oct 21, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 147267

Re: Tesla S

I assume if I don't upgrade I will get the functionality promised when I purchase AP, which I believe should include "basic" Autopilot (ACC, lane keeping, lane changing with signalling, self parking, etc.). I just stopped by a dealership, and two people confirmed that non-Enhanced AutoPil...
by harikaried
Fri Oct 21, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 147267

Re: Tesla S

Other than the use of additional sensors I don't yet see much functional difference for EAP (Enhanced Autopilot) to see what I'm getting for an additional $2,000. From the description of EAP: "The enhancements include going from one to four cameras for greater accuracy, redundancy, and to see ...
by harikaried
Thu Oct 20, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 147267

Re: Tesla S

https://www.youtube.com/watch?v=uMM0lRfX6YI Or some variation. Seems like a lot of tech to avoid 4s:) Well, if the passengers were sleeping or the car was unoccupied, it would probably take more than 4s to get the vehicle charging. I would assume these will be used more for the "drop me off at...
by harikaried
Wed Oct 19, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says we owe over $2 million -- when to round amounts?
Replies: 28
Views: 9357

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

The OP must be an engineer. Ha. You are quite right! I suppose just to be clear, the amount wasn't actually $10,000.000. The number of shares transferred was already reported to the thousandths digit, and the original dollar amount with cents of $76,543.21 was divided by 10, so the value reported i...
by harikaried
Wed Oct 19, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or 401(k)?
Replies: 29
Views: 2330

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: 69
Views: 8898

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: https://fundresearch.fidelity.com/mutual-funds/summary/31635V653 Geode Capit...
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: 9357

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 thin...
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: 394

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: 770

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: 7786

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: 40857

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: 4853

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: https://www.kitces.com/blog/schwab-intellig...
by harikaried
Fri Oct 07, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: refinance to 15 year fixed mortgage?
Replies: 11
Views: 1358

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: https://www.penfed.org/5_5-Adjustable-Rate-Mortgage-ARM/ Currently it's 2.625% for the first ...
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: 5117

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: 6051

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: 928
Views: 147267

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: 779

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: 6820

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: 3236

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: 6820

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: 6820

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: 6820

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: 2238

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: 9590

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: 939

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: 5117

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: 889

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: 49
Views: 4932

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: 328

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: 3643

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: 3643

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: 3643

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: 3643

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: 346

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: 69
Views: 8898

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: https://fundresearch.fidelity.com/mutual-funds/composition/31635V653 Asset Allocation AS OF 7/31/2016 63.11% Developed Value & Gr...
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: 1600

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: 256
Views: 21491

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: 69
Views: 8898

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: http://www.morningstar.com/funds/XNAS/FTIPX/quote.html It does show Category: F...
by harikaried
Mon Aug 29, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 5026

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. h...

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