Search found 1175 matches

by harikaried
Thu Feb 23, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1814

Re: How to help a friendly business with office space?

Why is the business paying higher than market rates for space?? Why do some people pay higher than market rates on their own mortgages or rent? There's inertia and additional work to find another location, refinance, etc. That's one of the downsides of leasing/renting in general as your rates might...
by harikaried
Thu Feb 23, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1814

Re: How to help a friendly business with office space?

You could buy the building and lease it to them, possibly at below market rates (seek tax advice) The business has been around for years and paying higher than market rates, so that's why there's some desire for the business to move. If we bought the building, there shouldn't be a need to charge lo...
by harikaried
Thu Feb 23, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1814

Re: How to help a friendly business with office space?

And you want to start with a $1 million office building? Some people (perhaps more likely in the California Bay Area), start with residential rentals at that price with less certainty about who will be using the property. Sure, I suppose having a primary residence might better prepare someone to be...
by harikaried
Thu Feb 23, 2017 1:39 am
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1814

Re: How to help a friendly business with office space?

Why would they want to get into real estate instead of their core business? Ah. Good point in general. I suppose one thing to note is that this business' core business is closely related to commercial real estate, but they are able to and have been doing fine for the last several years just leasing...
by harikaried
Wed Feb 22, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1814

Re: How to help a friendly business with office space?

StevieG72 wrote:Why do you want to get involved?
Perhaps hinted by our comfort of just breaking even, we want to help the business succeed and believe they are good for the community. As an extra benefit, if there is extra space, we can make use of it for other activities.
by harikaried
Wed Feb 22, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1814

How to help a friendly business with office space?

Is there a good way to help a small business that needs office space but doesn't have its own cash reserves to purchase an office building ~$1million? My wife and I want to help, so assuming we have some influence and access to business decisions (i.e., small partial LLC partner/owner), how can we b...
by harikaried
Tue Feb 21, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 2252

Re: Differences between TurboTax and H&R Block

If you make too much to take the various education credits/discounts - H&R Block doesn't let you enter in educational spending - even if it would apply to 529 withdrawls. That's good to know. What version and year of H&R Block did you run into this? I wonder if other people have encountered...
by harikaried
Mon Feb 20, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 2252

Re: Differences between TurboTax and H&R Block

Is it possible to upgrade from Deluxe to Premium (either from H&R block or from Turbo Tax) if I buy Deluxe and realize that I need some additional feature to complete my tax return? Yup. H&R Block had two pages asking about upgrades: somewhere during Federal income and on the State page. Tu...
by harikaried
Mon Feb 20, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 2252

Differences between TurboTax and H&R Block

I just took about an hour transferring / redoing taxes in H&R Block Deluxe from TurboTax Deluxe (provided by family) to get the 10% Amazon refund bonus. I purchased and downloaded the software today from Amazon as the Mac price dropped to $17.50 and figured we would get more than 10x the amount ...
by harikaried
Fri Feb 17, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: VEU or VSS in taxable? (FTSE ex-US vs FTSE ex-US SMALL)
Replies: 11
Views: 1060

Re: VEU or VSS in taxable? (FTSE ex-US vs FTSE ex-US SMALL)

For me (and probably for you), it would be much better to hold Total US Stock Market Index fund in taxable instead of VSS or VEU. After looking at bit more closely at triceratop's spreadsheet (and doing our 2016 taxes), I'm thinking of shifting our VSS holdings that we transferred from TD Ameritrad...
by harikaried
Fri Feb 17, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: VEU or VSS in taxable? (FTSE ex-US vs FTSE ex-US SMALL)
Replies: 11
Views: 1060

Re: VEU or VSS in taxable? (FTSE ex-US vs FTSE ex-US SMALL)

For the spreadsheet, the higher total cost fund should go in taxable? For taxable, you probably want to prefer the lower "Tax Efficiency" funds, and looking at the bigger cost picture, ideally the lowest "Total Cost" funds (still talking about for taxable). For tax-advantaged ac...
by harikaried
Thu Feb 16, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 32950

Re: Tesla Model 3 or Chevy Bolt?

My wife is kind of nervous driving (and parking) a $100K car around town. Theoretically, your wife won't even need to park the Model 3 either as it could find parking itself. Or even better (? if you don't mind others riding in the vehicle), it can make money for you via the Tesla Network, so some ...
by harikaried
Thu Feb 16, 2017 3:24 am
Forum: Investing - Help with Personal Investments
Topic: Paying off a 7 Year ARM at 2.875% or Invest?
Replies: 10
Views: 1135

Re: Paying off a 7 Year ARM at 2.875% or Invest?

Last year, in the year before the first rate change for our 2.625% ARM, we heavily paid it down (to have it paid off as it adjusted). We haven't been itemizing, so there was nothing close to the risk-free "earnings" of paying it down.
by harikaried
Thu Feb 16, 2017 3:05 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 32950

Re: Tesla Model 3 or Chevy Bolt?

the Bolt has a level 3 fast charger as well, just different than tesla's. To be clear, the level 3 fast charging on the Bolt is an additional $750 upgrade that charges at rates up to 50 kW. Motortrend says that it could charge "160 miles worth in 60 minutes, and a full 238 miles of range in ab...
by harikaried
Thu Feb 16, 2017 2:47 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 32950

Re: Tesla Model 3 or Chevy Bolt?

Also keep in mind that the supercharger network will not be free to owners of the Model 3. It's unclear what exactly the supercharging situation will be with the Model 3, but if it continues with the current no-longer-unlimited supercharging capabilities of the Model S and Model X, there will be so...
by harikaried
Thu Feb 16, 2017 2:33 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 32950

Re: Tesla Model 3 or Chevy Bolt?

The Bolt is getting very positive reviews and will have 2+ years head start over the Model 3 not to mention the time to work thru the pre-orders. Where are you getting these dates? The Bolt started regular production in November 2016 and began deliveries in December. You're saying the Model 3 won't...
by harikaried
Wed Feb 15, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 19969

Re: Betterment just raised their costs.

fermata wrote:What's the offering at Fidelity?
Fidelity Go. Discussion: viewtopic.php?t=196241
by harikaried
Wed Feb 15, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 32950

Re: Tesla Model 3 or Chevy Bolt?

Neighbor is asking. 50 mile commute and will probably do some road trips. I'm suggesting Model 3, because of access to Superchargers. Where are you located? Bolt is only available in California and Oregon right now (and as others have pointed out, nowhere available for Model 3 yet). Similarly, depe...
by harikaried
Wed Feb 08, 2017 4:54 am
Forum: Personal Finance (Not Investing)
Topic: Anything to do before ARM adjusts? [2017 Update: Reconveyance]
Replies: 11
Views: 1399

Re: Anything to do before ARM adjusts? [2017 Update: Reconveyance]

2017 update 2 tl;dr: reconveyance recorded! I guess one last update regarding our mortgage is that our county's online recorder public document search finally shows both a Substitution of Trustee as well as a Full Reconveyance as of 2017/02/06. One oddity is that these documents were separately han...
by harikaried
Sat Feb 04, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Banking ATM card with no international ATM fees and foreign exchange fees
Replies: 15
Views: 1556

Re: Banking ATM card with no international ATM fees and foreign exchange fees

We use the Fidelity Cash Management ATM card: m It says there's a 1% foreign transaction fee on their website, but from personal experience and reports from others, that fee does not get applied to ATM withdrawals but will get applied when using debit for foreign purchases. Any ATM fee will be refun...
by harikaried
Fri Feb 03, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 4310

Re: Review after one month with Fidelity Cash Management

They are a brokerage offering banking services. The CMA is fundamentally a brokerage account And being explicit about their fine print for the CMA brokerage account, they recommend their "Fidelity Account" for full brokerage functionality, which seems to add the Margin feature and Options...
by harikaried
Fri Feb 03, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 4310

Re: Review after one month with Fidelity Cash Management

to clarify, I am referring to "cash available for withdrawal." You can see this amount on the manage cash page Yup, I'm quite familiar with that page with my previous testing. As of right now midnight eastern time Friday, there is no longer a "Deposits Not Yet Available to Withdraw&q...
by harikaried
Thu Feb 02, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab offering .03% ER
Replies: 75
Views: 4120

Re: Schwab reduces index mutual fund ER and trade commission

indexfundfan wrote:US total stock SWTSX ER 0.03%
International index SWISX ER 0.07%
Nice drop in expense ratios for the mutual funds. We actually moved away from Schwab partially because of these high expenses compared to their ETFs. For reference, the expenses used to be 0.09% for SWTSX and 0.19% for SWISX.
by harikaried
Wed Feb 01, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 4310

Re: Review after one month with Fidelity Cash Management

- A deposited check will be made available in a week. I mobile deposited personal checks, checks from companies, and an actual paycheck and all were placed under a one week hold. One of the checks was for $12 and they still put a hold on it. From my experience, it seems to depend on your account ba...
by harikaried
Wed Feb 01, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Deduction SEEMS Too good to be true - What am I MISSING!?
Replies: 37
Views: 4883

Re: Mortgage Deduction SEEMS Too good to be true - What am I MISSING!?

Finally, I understand itemizing also means I can now deduct my state income taxes as well. They total about $7,000, bringing me to $44,300... versus the $6,300 standard deduction seems like a large savings. Sounds like you could have been itemizing the state income tax deduction even without the ho...
by harikaried
Wed Feb 01, 2017 5:44 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 19969

Re: Betterment just raised their costs.

^Can you help me with the math this MMM sentence The tax loss harvesting system, which sliced over $7,000 from my 2015 income tax bill. Let's say $3,000 of a loss was used to offset ordinary income and reduce AGI and make the tax rate about 33%, so that saves $1,000 of of taxes. So how could an add...
by harikaried
Wed Feb 01, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Optimal timing for extraneous mortgage principal payments in relation to life of loan?
Replies: 6
Views: 823

Re: Optimal timing for extraneous mortgage principal payments in relation to life of loan?

double up my mortgage payment for the first 5 years when the interest is more front loaded As orca91 pointed out, there's no particular front-loading of interest. It's just that you owe more money, so the dollar amount of interest is higher. Do you actually care about the ratio of interest vs princ...
by harikaried
Thu Jan 26, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block tax software - Deluxe
Replies: 17
Views: 2100

Re: H&R Block tax software - Deluxe

ABS wrote:This year I am unable to import my W-2 information - same employer, same payroll provider (ADP).
Try waiting a few days until February: https://www.adp.com/contact-us/support- ... yees.aspx'

Do you see your 2016 annual statement online? If not, it's probably not ready yet, but if it is showing, you should be able to import it now.
by harikaried
Thu Jan 26, 2017 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 72
Views: 10812

Re: Anyone moved to another state for lower cost of living?

We left the California Bay Area 4 years ago. Just looking at our old Schedule A for state income taxes, property taxes, and mortgage interest (no principal); we went from paying almost $3000/mo to now less than $100/mo in Reno. We don't plan on moving back, although we did choose Reno as it's close ...
by harikaried
Mon Jan 23, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 51
Views: 11759

Re: Schwab brokerage incentive $2,500 - - - thoughts?

I have been transferring $100K worth of index funds to fidelity every year to collect the 50,000 airline mile bonus. That's an interesting strategy. This year we'll be adding to our taxable brokerage accounts now that we'll have paid off debts and maxed out various desired tax-advantaged accounts. ...
by harikaried
Mon Jan 23, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage VS Payoff
Replies: 17
Views: 2372

Re: Mortgage VS Payoff

But consistently My returns are around 6-7% over the past 10 years. I was using standard Index funds. What would you have done in September 2000? In the 10 years before that, S&P500 consistently returned over 6-7% and then dropped 25% over the next year. Similarly leading up to July 2007, it we...
by harikaried
Sat Jan 21, 2017 2:42 am
Forum: Investing - Help with Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 51
Views: 11759

Re: Schwab brokerage incentive $2,500 - - - thoughts?

an_asker wrote:If that $1 million is out of the market even for a day, a 0.5% upward swing in the market would mean that you've lost $5,000 to the market!!
I would think most people transferring $1 million between brokerage accounts are transferring shares and not cash.
by harikaried
Fri Jan 13, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 11251

Re: Fidelity Rewards Visa 2% cash back

So basically you can only really keep the money in a cash/moneymarket account until you reach a pretty significant threshold? Transfer money out with EFT (Electronic Funds Transfer) like any other checking/brokerage account? Or you could transfer money in to the new account to reach thresholds soon...
by harikaried
Wed Jan 11, 2017 12:58 pm
Forum: Investing - Theory, News & General
Topic: 2016 Callan Periodic Table of Investment Returns
Replies: 27
Views: 4425

Re: 2016 Callan Periodic Table of Investment Returns

Rather than chasing returns in the top asset classes, the poor performers of one year are often the top performers the next. Buy low/sell high. Developed international was dead last (MSCI EAFE). From 2010, Emerging Markets, EAFE, Barclays Agg have been in the bottom 2 spots for 4 years each, so it ...
by harikaried
Wed Jan 11, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed vs Variable Rate - Student Loan Refi
Replies: 2
Views: 358

Re: Fixed vs Variable Rate - Student Loan Refi

Tax Filing Status : married filing jointly Tax Rate: Federal 28% but will be 33% in 2017 This means taxable income for 2017 will be over $230k, and that's after reducing it by 401k contributions, so after-tax take home pay should be over $10k/mo. HIS $9K student loans @3.25% Some will suggest just ...
by harikaried
Wed Jan 11, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 5082

Re: Keeping kitchen knives sharp

Got this on Amazon for $6 two years ago: KitchenIQ 50009 Edge Grip 2 Stage Knife Sharpener, Black m It has worked great, and I've brought it to others' to sharpen their knives. Run the knife through the "coarse" side several times, wipe, then "fine" side. Test by slicing a piece ...
by harikaried
Tue Jan 10, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which Version of TurboTax do I really need?
Replies: 4
Views: 908

Re: Which Version of TurboTax do I really need?

I believe all versions of TurboTax CD/Download have the same forms including Schedule E, so the differences in the versions change the guidance/questions (probably related to mortgage, improvements, expenses/travel). Perhaps Premier will ask the right questions to help find you extra deductions rela...
by harikaried
Tue Jan 10, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed accounts... what do I do in taxable?
Replies: 12
Views: 2494

Re: Maxed accounts... what do I do in taxable?

You didn't mention any debt although previous posts have a mix of mortgage, car loan, and student loans. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=113219 Assuming you don't need to pay any more towards debt, investing in international for taxable is reasonable as you can take foreign ...
by harikaried
Tue Jan 10, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Interest Rate Calculation
Replies: 22
Views: 1420

Re: Interest Rate Calculation

Looks like $60,561 after 60 months if I put things right into Wolfram Alpha:

$949.30/mo compounded at 2.5% APR, 60 months
http://www.wolframalpha.com/input/?i=$9 ... +60+months

PV=$50k, FV=$60561, 5 years
http://www.wolframalpha.com/input/?i=PV ... 1,+5+years

Results in 3.839%
by harikaried
Tue Jan 10, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to build passive income
Replies: 45
Views: 5094

Re: How to build passive income

dodgersummer wrote:I want to build wealth instead of getting the 1 percent interest in my saving account.
If 1% is not good enough, what rate is good for passive? What risk do you want to take and how much access to the money do you need? You can now get over 2% with 5-year CDs.
by harikaried
Tue Jan 10, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Looking to hear from interest rate prognosticators...what to do with my ARM
Replies: 11
Views: 752

Re: Looking to hear from interest rate prognosticators...what to do with my ARM

Will you be paying extra towards the mortgage either in the next few years or just before it adjusts? If so, even if the rates went up by 2%, your monthly payment could go down significantly. For example, our 3/1 adjusted from 2.625% to 3.875% the first time for this month's payment, and the monthly...
by harikaried
Fri Jan 06, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anything to do before ARM adjusts? [2017 Update: Reconveyance]
Replies: 11
Views: 1399

Re: Anything to do before ARM adjusts? [2017 Update]

2017 update tl;dr: $0 balance on mortgage! Turns out paying down principal before the new statement with new interest rate does not cause the payment to be amortized with the just-paid-down principal. The monthly payment was calculated with the remaining principal at the time the new interest rate ...
by harikaried
Wed Jan 04, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Difference between HCOL and LCOL [High and Low Cost of Living]
Replies: 35
Views: 3727

Re: Difference between HCOL and LCOL

How much could one save by moving from a HCOL to MCOL or LCOL area? 10%, 30% ?? We moved from San Francisco Bay Area to Reno almost 4 years ago, so comparing our yearly budget from then and now… Auto: about the same as we removed commuting gas for road trips (although not being stuck in traffic eve...
by harikaried
Wed Jan 04, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 20445

Re: Fidelity free Turbotax

There seems to be 3 Fidelity qualifying requirements that individually can be satisfied to trigger the TurboTax link: - being an active trader - having non-retirement balance of at least $1m (excludes IRA/401k) - $100k in personal investing (excludes business-related accounts) I called Premium Serv...
by harikaried
Sat Dec 31, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Why not look at total dollar loan costs when considering paying down/off a loan?
Replies: 10
Views: 1176

Re: Why not look at total dollar loan costs when considering paying down/off a loan?

If you used dollars at the same time frame across all decisions, then it would be the same. I believe all of these responses are getting at the same thing of future dollars are worth different from today/current-year dollars, and afan has provided a new-to-me financial term that seems to address ho...
by harikaried
Sat Dec 31, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Why not look at total dollar loan costs when considering paying down/off a loan?
Replies: 10
Views: 1176

Re: Why not look at total dollar loan costs when considering paying down/off a loan?

With investments, you also need to consider time. When you make an extra $10,000 principal payment at the beginning of the loan you are reducing the interest by a larger amount than at the end of the loan, which you would expect as the time the $10,000 is "invested" is very different. I d...
by harikaried
Fri Dec 30, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Why not look at total dollar loan costs when considering paying down/off a loan?
Replies: 10
Views: 1176

Re: Why not look at total dollar loan costs when considering paying down/off a loan?

Yes, you are overlooking opportunity cost. Doesn't one run into the same issue when using rates? Some people say you can pay down a 4% mortgage to effectively save 4%, but there's the opportunity cost of what else could have been done with that money. Additionally, that 4% saved is not entirely cle...
by harikaried
Thu Dec 29, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why not look at total dollar loan costs when considering paying down/off a loan?
Replies: 10
Views: 1176

Why not look at total dollar loan costs when considering paying down/off a loan?

When someone asks about paying extra towards a mortgage in the context of either 1) extra savings that could be invested or 2) selling taxable gains, the mathematical considerations tend to focus on interest rates and expected rates of return. I would think that some people can better relate to actu...
by harikaried
Mon Dec 26, 2016 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: FTABX vs FBIDX for taxable ? [Fidelity Tax-Free vs. U.S. Bond]
Replies: 7
Views: 1060

Re: FTABX vs FBIDX for taxable ?

turbojot wrote:State of residence: CA and tax bracket: 9%.
At Fidelity, maybe this commission-free iShares ETF?

iShares California Muni Bond ETF
https://www.ishares.com/us/products/239 ... i-bond-etf
by harikaried
Mon Dec 26, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I liquidate taxable investments to pay off auto loan?
Replies: 16
Views: 1370

Re: Should I liquidate taxable investments to pay off auto loan?

Another choice might be to refinance the loan at a lower interest rate: m. To provide some more details to compare. PenFed's 1.49% rate for 36 months would have a monthly payment of ~$700 but total interest cost over 3 years would be under $600. Is it worth selling the taxable investments with $400...