Search found 404 matches

Return to advanced search

Re: How many of you invest in individual stocks?

Never owned one. I started investing with index funds and plan to continue doing so. That said, I do sometimes wonder if I should invest in B shares of Berkshire Hathaway, just to see how it goes.
by jay22
Sun Mar 29, 2015 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 41
Views: 1936

Re: More XIRR Questions

OK, got it. So if the first date is, for example, 8/1/2014 and the last is 12/31/2014, it gives me the annualized returns and not the returns for the 8/14-12/14 period?
by jay22
Sun Mar 29, 2015 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 17
Views: 1232

Re: More XIRR Questions

XIRR gives you the annualized rate of return. In the case of a period that is less than one year, as would be for YTD calculations, you need to adjust the XIRR output. It's relatively painless though: YTD = (1 + @XIRR)^(#days/365.25), where #days is the number of days thus far in the year and 365.2...
by jay22
Sun Mar 29, 2015 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 17
Views: 1232

Re: More XIRR Questions

Is there a way to calculate YTD returns using XIRR, or is there a different formula to do that? Thanks.
by jay22
Sun Mar 29, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 17
Views: 1232

Re: What was your costliest investment mistake?

samuck wrote:The fact that I started to invest in 2013 - and not in 2009.

Same here! :oops:
by jay22
Wed Mar 25, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 13093

Re: Vanguard HealthCare Fund

I am guessing this won't be a good fund to hold in your taxable?
by jay22
Tue Mar 24, 2015 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 57
Views: 4806

Re: Need a sanity check

One other thing to get a look at depending on where you are in the 28% federal tax bracket. Make sure your income this year will stay below the the roth IRA income limits so you don't over-fund in 2015 and then have to deal with trying to pry it out to avoid the penalty. Thanks. That would not be a...
by jay22
Fri Mar 20, 2015 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1544

Re: Need a sanity check

AFdoc wrote:Not much to add but just be aware that if you do choose to add REITs (such as REIT index fund), be sure they go into a tax-advantaged account and keep them out of taxable.

Yeah, I'll make sure of that. Still can't decide whether we should add REITs or Small Cap to the portfolio or not.
by jay22
Fri Mar 20, 2015 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1544

Re: Need a sanity check

Thanks for all the comments. I know 90/10 AA is a bit aggressive, but I am OK with that - I am willing to take that risk. I have enough cash in an online savings account that I can use if the market drops. Either way, my portfolio is not that huge, so a 90/10 is not a whole lot different than 80/20.
by jay22
Fri Mar 20, 2015 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1544

Re: Need a sanity check

jmndu99, I didn't know the limit has been increased for 2015. I have edited my post, thanks for the update.
by jay22
Thu Mar 19, 2015 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1544

Re: Need a sanity check

No reason to change the international allocation; but, are you aware Vanguard is going to 40% international in its target date funds? That's primarily I wanted to check whether it makes sense to increase the allocation. A lot of folks feel very stongly about both possible answers to that question. ...
by jay22
Thu Mar 19, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1544

Need a sanity check

Hi BHs, I want to get a sanity check from the wise heads here. We have been saving like crazy for the past 3 years or so and have reached the point where I want to make sure what I am doing makes sense, and/or make any changes if I need to. My portfolio is 100% indexed and I intend to keep it that w...
by jay22
Thu Mar 19, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1544

Re: To MBA or Not to MBA

mnsportsgeek wrote:If the company pays for it. Yes.
If it's out of your pocket. Don't waste your money.

This, in a nutshell.
by jay22
Wed Mar 18, 2015 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 4239

Re: Observations from a first time poster, long time reader.

Is it a bad thing that I do not know what a covered call is? :?
by jay22
Wed Mar 18, 2015 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 221
Views: 15676

Re: Can you quantify how Bogleheads has helped you?

I remember when I made my 1st post on this forum in Aug 2012. I was directionless, had no idea what to do and was utterly confused - didn't even know what an IRA is, let alone having an account. Almost 3 years later, I am close to having a 150K portfolio almost all of it is in TSM, TISM and TBM. I o...
by jay22
Sun Mar 15, 2015 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you quantify how Bogleheads has helped you?
Replies: 23
Views: 2031

Re: What are some common misconceptions found in this forum?

The 3 fund portfolio is perfection simplified . Yes, it is very good and quite simple. Sometimes simple can be too simple. The extra work for adding a product or 2 e.g. TIPS, won't complicate most people's life that they will pull their hair out when it comes time to rebalance. And, a prudent addit...
by jay22
Thu Mar 12, 2015 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 17227

Re: High Cost of Fruits and Vegetables

Great thread! On similar lines, do you guys think it is worthwhile to spend extra on organic milk and eggs? I have spent hours researching online about organic vs inorganic milk, but haven't found anything conclusive. I would recommend it. Look for pasture raised eggs and organic non-UHT dairy. Sto...
by jay22
Tue Mar 10, 2015 1:29 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7008

Re: High Cost of Fruits and Vegetables

Great thread!

On similar lines, do you guys think it is worthwhile to spend extra on organic milk and eggs? I have spent hours researching online about organic vs inorganic milk, but haven't found anything conclusive.
by jay22
Tue Mar 10, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7008

Re: Credit Card "Benefits" that really mean something

We use them all the time. I try and keep up with everything and do my best to make sure I don't miss out. I figure it can offset the annual fee at least. Checks usually take 2-3 weeks to get, but they do show up. The only real expense we're out is shipping everything back to their processing center...
by jay22
Tue Mar 10, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card "Benefits" that really mean something
Replies: 13
Views: 2150

Re: Home workouts and motivation

Walk one hour per day, four to five days per week (more if the weather is nice and you feel well). Too many people do workouts that are unsustainable long-term and they burn out. I always wondered if just brisk walking is enough exercise for most. I know it is much better than nothing, but do you r...
by jay22
Mon Mar 09, 2015 11:07 am
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 2832

Dress socks

Getting tired of wearing cheap socks from Target and Kohls and thinking of finally making the upgrade and get some good quality ones. Which ones would you recommend for daily office wear? Thanks!
by jay22
Sat Mar 07, 2015 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Dress socks
Replies: 7
Views: 716

Re: SACRAMENTO, CA AREA BOGLEHEADS

digarei, you raised some very valid points. I'd certainly be interested in meeting fellow BHs in this area.
by jay22
Sat Mar 07, 2015 9:41 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Bogleheads
Replies: 29
Views: 4287

Re: Washing Dress Shirts

I have always wondered what Livesoft, Valuethinker, LadyGeek, and some of the more prolific posters look like. I have to say that Livesoft sounds totally hot. Eats oatmeal, plays basketball, knows how to pay $0 on $200,000 of income , and most importantly, has washboard abs. Dang!!! Wait, what!? Ho...
by jay22
Fri Mar 06, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2713

Re: Why don't YOU follow Buffett's advice?

I am surprised he doesn't say anything about the need to have international exposure.

Thinking on those lines, didn't Bogle once also said that there is no need to have international funds in one's portfolio?
by jay22
Wed Mar 04, 2015 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 122
Views: 10515

Re: Career advice?

Thanks for the comments, LadyGeek. I have no problem being a manager or working with people. Infact, I actually excel in conducive team environments more than self managing roles - maybe I didn't frame my post correctly. It's the client politics that comes with it which stops me from taking a manage...
by jay22
Wed Feb 25, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1058

Re: Career advice?

Have you considered a MBA? I'm in the same industry working for a large firm as an analyst (3 years), but I want to make the jump to PM after I have enough years and I earn my PMP. Getting a MBA will be the next step to becoming a Program Manager for me. I don't see the point of doing an MBA, tbh. ...
by jay22
Wed Feb 25, 2015 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1058

Career advice?

I am looking to get career advice from people here who have worked in IT, especially in consulting. I changed jobs last year due to a move to CA and am currently working as a Sr. systems analyst for a mid-size consulting company which has a bunch of public sector clients. I have been working as an a...
by jay22
Wed Feb 25, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1058

Re: [favorite] Boglehead quotes

Stay the course, regardless!

Powerful stuff right there.
by jay22
Tue Feb 24, 2015 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 42
Views: 3923

Re: Buy and Hold Forever Stocks

Good for you, guys, if this has worked out for you well! I see no reason to subscribe with the BH philosophy (even though my portfolio is 100% in sync with it apart from my 401 with sucky options) if you're willing to take the risk. Now, which stocks will you recommend to buy and hold today - that i...
by jay22
Tue Feb 24, 2015 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 8182

Re: 401K help

Yes, true. I put all my bonds allocation (10% TBM) in my wife's and mine IRAs, so I won't worry about them right now. Don't want to come across as too demanding to the HR. :D
by jay22
Mon Feb 23, 2015 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 26
Views: 1631

Re: 401K help

So, just an update on my 401K options. I wrote to the HR about the need to include Index funds last year and was pleasantly surprised to get an email stating that they will be changing our 401K to include the following: BlackRock S&P 500 Stock Fund Investor A Shares BSPAX 0.37% Columbia Mid Cap ...
by jay22
Mon Feb 23, 2015 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 26
Views: 1631

Re: The 8x retirement savings rule

ginmqi wrote:
William Bernstein says you've won the game when you have 25x your salary saved. Sounds like a great goal to me! 8-)

Salary, or annual expenses?
by jay22
Thu Feb 19, 2015 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 8074

Re: Cell Phone Provider

I use Cricket Wireless - they were bought by AT&T sometime back, so the coverage is more of less similar. We pay $90 for 2 lines with unlimited talk, texts and 5 GB data each. Never had any problems!
by jay22
Fri Feb 13, 2015 11:29 am
 
Forum: Personal Consumer Issues
Topic: Cell Phone Provider
Replies: 22
Views: 1404

Re: Is "Financial Independence" the new "Retirement?"

Let me just say that my goal was always financial independence rather than retirement. Same here. The only reason I save money is so that I do not have to work for money when I have enough; and to have the freedom to walk out of a job I don't like/can't tolerate anymore and not worry about how I am...
by jay22
Thu Feb 12, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 6924

Re: Best Small Cap Value Funds (Poll)

By no metric available to us would the Vanguard SCV fund or ETF be the best fund if one's sole objective were to capture the size and value premiums. The ONLY metric by which it MIGHT be considered the best SCV is cost. If you use VBR to tilt to small value, you have to use more of it than other SC...
by jay22
Thu Feb 12, 2015 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds (Poll)
Replies: 28
Views: 3576

Re: Best Small Cap Value Funds

What about plain old VB, folks?
by jay22
Tue Feb 10, 2015 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4376

Re: Unhappy With Job Raise

My general advice for someone your age, which you may not love, is to keep your head down and just work hard for your first 2.5 years. Always take on more responsibility when offered, make yourself indispensable, make sure your boss likes you personally, network with the people above your boss who ...
by jay22
Fri Feb 06, 2015 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7818

Re: What exactly is "wealthy?"

Not sure about others, but I'd consider myself wealthy when I do not have to work for money anymore.
by jay22
Tue Feb 03, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: What exactly is "wealthy?"
Replies: 47
Views: 4123

Re: Anyone regret paying off mortgage early?

This has been a great thread. As new homeowners, my wife and I are trying to determine what would be the right amount to pay extra towards the principle. There is no way we can keep this mortgage for 30 years. If anyone has any insights on how to decide on the extra payments with my 4.125% interest...
by jay22
Thu Jan 22, 2015 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 39400

Re: Anyone regret paying off mortgage early?

This has been a great thread. As new homeowners, my wife and I are trying to determine what would be the right amount to pay extra towards the principle. There is no way we can keep this mortgage for 30 years. If anyone has any insights on how to decide on the extra payments with my 4.125% interest ...
by jay22
Thu Jan 22, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 39400

Re: New job....very little benefits, help!!

jwilly wrote:
leonard wrote:If you are looking to shield income from taxes, why are you contributing to a Roth?


Leonard: Hold off on the Roth and put the $5,500 in a Traditional to help with taxes?

I think that's a sound advice. That's what I did in my previous job where I didn't had a 401 to save on the taxes.
by jay22
Thu Jan 15, 2015 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: New job....very little benefits, help!!
Replies: 7
Views: 677

Re: 2000-2014

Does that mean that the SCV tilt actually gets rewarded eventually? :)
by jay22
Thu Jan 08, 2015 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: 2000-2014 [15 year returns]
Replies: 26
Views: 4192

Re: Having a lot of kids really paid off.

My parents have 6 kids. My brother is the oldest and he is 38. The youngest is 22. This last Christmas, we surprised our parents with a paid off house as Christmas gift. My mom cried and it was a very happy moment. Instead of giving them money every month for rent and other expenses, we put money t...
by jay22
Thu Jan 08, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Having a lot of kids really paid off.
Replies: 17
Views: 2619

Re: Set and Forget Portfolio?

I'm in the Vanguard Target Retirement Income Fund and I don't have to do anything. Even Re-balance. Shipmate BM, is your TR Income fund in taxable, tax-advantaged, both? Thanks and have a Merry Christmas. Both. Thank you shipmate BM, you have a real set and forget portfolio. Good luck. I wanted to ...
by jay22
Mon Dec 22, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Set and Forget Portfolio?
Replies: 21
Views: 2656

Re: Anyone prep for the PMP???

Bought this and studied it twice over the course of 2 months

http://www.amazon.com/Head-First-PMP-Je ... 449364918/

Never bothered with the PMBOK. For me, it was way too mundane and I would have never cleared the exam had I relied only on the PMBOK.
by jay22
Fri Dec 19, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Anyone prep for the PMP???
Replies: 17
Views: 4002

Re: What do you splurge on?

Doom&Gloom wrote:
flyingaway wrote:My wife is taking about splurging on a robotic vacuum cleaner this Christmas. I consider that as a "toy", not a serious vacuum cleaner.


You may re-consider after you see it in action. I had the same attitude, but we love ours.

Which one do you have; we're thinking of getting one as well.
by jay22
Tue Dec 09, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 25157

Re: Share your networth progression

Our parents gave us many things including love, sheltered, moral values and an education through high school. After leaving home (me 18 years, DW 19 years) they gave us good advice only. Everything else we did ourselves, the two of us, working together day-after-day, year-after-year. I have always ...
by jay22
Fri Dec 05, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 24984

Re: Giving money to your alma mater: Have to vent

I will make a donation to my alma mater the day they start paying more to the professors than to the football coach. I can't think of a single school that doesn't pay the professors significantly more than the football coach. The professors just choice to split the money evenly instead of paying th...
by jay22
Wed Dec 03, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16745

Re: Giving money to your alma mater: Have to vent

I will make a donation to my alma mater the day they start paying more to the professors than to the football coach.
by jay22
Wed Dec 03, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16745

Re: Favorite nonfiction books

mlipps wrote:Unbroken is undoubtedly one of mine, and it's on sale for the Kindle today for $3. I plan to see the movie with my parents on Christmas Day.

Same here. Read that book early this year and I am still in awe of that book. Probably the best book I've read in my lifetime.
by jay22
Tue Nov 25, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10706
Next

Return to advanced search