Search found 99 matches

by jackpistachio
Thu Jan 14, 2016 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Do you wait until there is a loss to switch back to original fund after TLH?
Replies: 23
Views: 853

Re: Do you wait until there is a loss to switch back to original fund after TLH?

Posted the above before I saw EmergDoc's post. I ran into this situation in 2015, but I see that it is different from what Fairmark is describing where all shares were bought and then sold. Specifically I already owned shares of fund Y before the additional purchase on day 0, and still had some afte...
by jackpistachio
Thu Jan 14, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Do you wait until there is a loss to switch back to original fund after TLH?
Replies: 23
Views: 853

Re: Do you wait until there is a loss to switch back to original fund after TLH?

From IRS pub 550: A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you: 1) Buy substantially identical stock or securities, 2) Acquire substantially identical stock or securities in a fully taxable trade, 3) Acquire a contract or opt...
by jackpistachio
Thu Jan 14, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Do you wait until there is a loss to switch back to original fund after TLH?
Replies: 23
Views: 853

Re: Do you wait until there is a loss to switch back to original fund after TLH?

...OTOH...OTOH... I Can't tell if livesoft has 2 or 3 hands... :) The problem with only two options is you may tax loss harvest a 4% drop, then get an 8% drop that disappears before 30 days have passed. I'm missing something here. Can you help me? Here is an example of what I think you are saying c...
by jackpistachio
Wed Nov 18, 2015 5:41 am
Forum: Personal Finance (Not Investing)
Topic: What was your eureka! Boglehead moment?
Replies: 86
Views: 7584

Re: What was your eureka! Boglehead moment?

When I lost oodles and oodles of money in real estate. Everything and then some. Though I've always saved and invested as much as possible, in the beginning of my working life I was putting nearly everything towards real estate, my own residence and rental properties, leveraged 5-6x. At the time it ...
by jackpistachio
Fri Nov 13, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Costco Travel....anyone used them?
Replies: 18
Views: 2479

Re: Costco Travel....anyone used them?

I've used it for rental cars when I found it to have better rates at the same locations that the alternative online bookers.
by jackpistachio
Fri Nov 13, 2015 7:34 pm
Forum: Investing - Theory, News & General
Topic: "Play the Odds When Investing"
Replies: 23
Views: 3642

Re: "Play the Odds When Investing"

Thanks for the post. The 1% will look like genius, when the excess return is most likely attributable to taking on additional risk together with getting lucky. 1% is terrible odds, but that will be the manager/fund that becomes the poster child for active management, like the lottery player who stri...
by jackpistachio
Tue Nov 10, 2015 3:56 am
Forum: Personal Finance (Not Investing)
Topic: What would you do? (Personal/Family financial situation)
Replies: 55
Views: 5024

Re: What would you do? (Personal/Family financial situation)

I can't put myself in your brother's shoes, but if it were me in a similar situation the vacation charges wouldn't sit well. I might not complain, valuing relationship over money, but it would be one of those details that would likely be in my thoughts. In my estate plan I have my brother as the exe...
by jackpistachio
Tue Nov 10, 2015 3:36 am
Forum: Personal Consumer Issues
Topic: Watch under $100
Replies: 46
Views: 4197

Re: Watch under $100

Ah the antithesis of petrocelli's thread. I like my bare-bones analog Timex. Plain, simple. I'm brutal on it, wearing it while doing work in the yard or on the cars. Have had to replace the leather band three times. Last band is metal clasp which seems like it should last longer. Watch + three extra...
by jackpistachio
Tue Nov 10, 2015 3:28 am
Forum: Investing - Theory, News & General
Topic: Please explain Mr. Market
Replies: 22
Views: 2502

Re: Please explain Mr. Market

"Every day he tells you what he thinks your interest is worth and furthermore offers to either buy you out or to sell you and additional interest on that basis." "Often, on the other hand, Mr. Market lets his enthusiasm or his fears run away with him, and the value he proposes sees t...
by jackpistachio
Tue Nov 10, 2015 3:26 am
Forum: Investing - Help with Personal Investments
Topic: Is my Roth too risky?
Replies: 10
Views: 1590

Re: Is my Roth too risky?

Depends on what your ability, willingness, and need to take risk is, and what assets you may have elsewhere. My Roth is all stocks, with an additional risky tilt to small-cap-value stocks. If that's all I had that would be too much risk for my individual circumstances. However, I have a good degree ...
by jackpistachio
Tue Nov 10, 2015 3:13 am
Forum: Personal Consumer Issues
Topic: Medical invoice for services 10 months ago
Replies: 21
Views: 2117

Re: Medical invoice for services 10 months ago

Agree with rrppve. Get the EOB for this, especially since this was in-network. In my experience, the invoice isn't due and payable until it has gone through the insurance.
by jackpistachio
Tue Nov 10, 2015 3:09 am
Forum: Investing - Help with Personal Investments
Topic: No such thing as free insurance?
Replies: 11
Views: 1288

Re: No such thing as free insurance?

A typical premium for $2000 AD&D insurance is pennies/month. Doesn't come near my value threshold considering the effort to sign up, keep records that I have the benefit, risk additional marketing, and go through the claim process should something happen, even if all these are fairly low effort/...
by jackpistachio
Tue Nov 10, 2015 3:02 am
Forum: Personal Finance (Not Investing)
Topic: Short term health insurance vs ACA Plan
Replies: 7
Views: 738

Re: Short term health insurance vs ACA Plan

Are you thinking of re-enrolling into the short term plan each enrollment period? If so, better read the fine print on what's considered pre-existing. I've read that some short term plans won't cover any pre-existing conditions, even if it was a condition that arose the previous enrollment period wh...
by jackpistachio
Tue Oct 27, 2015 6:56 am
Forum: Investing - Help with Personal Investments
Topic: 2-10-50-100 [tracking lots for tax loss harvesting]
Replies: 12
Views: 1757

Re: 2-10-50-100

12 total.

Cleaned up a bunch of lots with recent TLHing while donating others to charity earlier in the year.

Responding to this made me look and realize I'm up >10% in ~2 months on the emerging since TLHing. That's kinda nice.
by jackpistachio
Sat Oct 17, 2015 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for cashing in I-bonds early
Replies: 21
Views: 2153

Re: Strategy for cashing in I-bonds early

Your math checks out. I'm curious whether you are cashing in to change to a different fixed income real asset with better yield? This post prompted me to look at the current rates on marketable TIPS and they are positive even for the 5 year. Looks like the real yield curve has steepened too. Date___...
by jackpistachio
Fri Oct 02, 2015 11:14 am
Forum: Investing - Help with Personal Investments
Topic: TreasuryDirect down?
Replies: 6
Views: 387

Re: TreasuryDirect down?

I *resolved* the issue. (hint)

My ISP's DNS servers weren't resolving www.treasurydirect.gov, even though every other site I've been accessing hasn't had an issue. So I switch to Google's DNS servers in the Windows control panel, and voila, I can get to Treasury Direct again.
by jackpistachio
Fri Oct 02, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: TreasuryDirect down?
Replies: 6
Views: 387

Re: TreasuryDirect down?

Hmm... I'm trying from Australia right now. Do you think they are now blocking access from IP addresses outside the US? Never had a problem before.
by jackpistachio
Fri Oct 02, 2015 10:09 am
Forum: Investing - Help with Personal Investments
Topic: TreasuryDirect down?
Replies: 6
Views: 387

TreasuryDirect down?

Anybody else having troubles accessing http://www.treasurydirect.gov? Just tried from a Windows 7, 8, and 10 machine and from both IE and Chrome. Keep getting the webpage is not available.
by jackpistachio
Sun Jul 05, 2015 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Strange Savings Bond Wizard update behavior - malware concern?
Replies: 1
Views: 435

Strange Savings Bond Wizard update behavior - malware concern?

Went to update my Savings Bond Wizard just now on Windows 8.1. In the Update Progres pop up, it counted up to "Download 2240% complete." Then Windows asked me if I wanted to allow the following program to make changes to my computer: sbwcrv.exe. I then checked the usual windows process nam...
by jackpistachio
Fri Apr 24, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for manager's job or continue as a techie?
Replies: 145
Views: 12039

Re: Should I apply for manager's job or continue as a techie

I was a star performer as an individual contributor and as a small team technical lead (5-10 engineers). Several managers told me I could write my own ticket. So I became a manager on a much larger scale. Did okay, but didn't like it. Nothing is better than creating something from nothing and seeing...
by jackpistachio
Fri Apr 24, 2015 11:03 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3970

Re: Is tax loss harvesting that powerful ?

livesoft, thanks for your reply. The Swedroe article was brief and informative. I learned something new today. House Blend, that matches what I just learned. I have some harvested ST & LT losses carried forward so its good to understand the differenced. The LT losses came about on specific lots ...
by jackpistachio
Fri Apr 24, 2015 4:39 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3970

Re: Is tax loss harvesting that powerful ?

livesoft wrote:I do not have long-term losses. I tax-loss harvest losses before they go long-term. I have carryover short-term losses from years ago.


livesoft,

This seems to imply that there is an advantage to a short-term tax-loss over a long-term. Is there?
by jackpistachio
Sun Mar 29, 2015 7:09 am
Forum: Investing - Theory, News & General
Topic: Michael Spence: Are Equities Overvalued?
Replies: 13
Views: 1920

Re: Michael Spence: Are Equities Overvalued?

How do we even know what the appropriate valuation should be? It's all supply-demand in the equities market. Demand is high right now (the average investor is holding lots of equities) and for all we know it could remain constant, or increase further. Check out this chart: http://www.philosophicale...
by jackpistachio
Fri Oct 31, 2014 7:08 am
Forum: Personal Finance (Not Investing)
Topic: That stress-relieving thing you do at work
Replies: 45
Views: 3335

Re: That stress-relieving thing you do at work

I only feel stress when I don't feel in control of something. After discovering that simple fact I came up with a successful motto: "Control what you care about." There are two parts to that motto. If I care about something, then I stay on top of it. On the other hand if it is something be...
by jackpistachio
Tue Sep 09, 2014 9:40 am
Forum: Investing - Theory, News & General
Topic: Diversification in practice: Investing from Australia
Replies: 22
Views: 3132

Re: Diversification in practice: Investing from Australia

* AUD is also highly correlated AUD is also highly correlated to what? Anyone know what was meant here? AUD is highly correlated to EM demand for resource exports from Australia (mining & energy being two big ones), so taking a chance to speak for RhinoTroy I think its a continuation of his fir...
by jackpistachio
Thu Sep 04, 2014 9:54 am
Forum: Investing - Theory, News & General
Topic: William Sharpe advises against rebalancing
Replies: 32
Views: 2979

Re: William Sharpe advises against rebalancing

Our mentor, John Bogle, also thinks that rebalancing is an unnecessary exercise. “If you can ignore market fluctuations along the way, it’s better not to rebalance, since you’re likely to get higher returns.” In a recent study, he looked at how a portfolio with 70% in stocks and 30% in bonds perfor...
by jackpistachio
Wed Jul 30, 2014 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth question
Replies: 4
Views: 464

Re: Backdoor Roth question

LAlearning wrote:You just re characterize it to a non deduct Trad IRA. Then backdoor it before the end of the year.


Yes. Important to remember that the conversion deadline is 31 Dec, which is earlier than the contribution deadline of April 15 or thereabouts the next year.
by jackpistachio
Wed Jul 30, 2014 5:06 am
Forum: Personal Consumer Issues
Topic: Advice on getting a power adapter
Replies: 13
Views: 1138

Re: Advice on getting a power adapter

For clarification, the power adapter you get needs to be the correct voltage = 6V, the right connector, and be able to suppy at least 1 Amp. So a 6V power adapter rated for 1.5A or 2A or anything >=1A works. Equivalently, a selectable voltage power adapter that has a 6V setting and rated for 6W or g...
by jackpistachio
Mon Apr 28, 2014 4:58 am
Forum: Investing - Theory, News & General
Topic: How low are interest rates, really?
Replies: 60
Views: 15388

Re: How low are interest rates, really?

Everyone says interest rates can only go up; and bond prices can only go down. This has been a truism for more than ten years. You'd have to define "everyone". Everyone I respect says the most likely future rates are today's rates. It is true, however, that rates likely won't go below zer...
by jackpistachio
Fri Apr 18, 2014 6:15 pm
Forum: Investing - Theory, News & General
Topic: Timing of savings bonds purchases based on treasury yield
Replies: 7
Views: 1942

Re: Timing of savings bonds purchases based on treasury yiel

My calendar notice popped up to make a decision. I splitting the difference. $10k now and $10k in May for I-bonds. Inflation rate: Today's inflation rate: 0.59% May's inflation rate: 0.92% (looks like the Fed's getting close to their 2% annual target) Inflation rate is up, but that's largely a wash ...
by jackpistachio
Sat Apr 12, 2014 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 11750

Re: California Taxes - Am I Missing Something?

When a city has an average home price of $800K, where do the teachers live? Where do the firemen live? Here: http://www.mercurynews.com/sunnyvale/ci_25331740/sunnyvale-city-manager-dps-lieutenant-top-citys-salary And here: http://www.mercurynews.com/salaries/bay-area?appSession=70853739252963&R...
by jackpistachio
Sat Apr 12, 2014 8:57 pm
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 35
Views: 6368

Re: Speculation on I Bond fixed rate for May 1st

I am not Bond, the I Bond Mel. However, I expect the new I bond fixed rate to be no greater than 0.2%. Since I don't want to lose up to $20/year, I will invest my annual limit by 4/30. Hey, $20/year x 30 years is $600 more dollars to spent on Latte. I view it as $600 being the maximum downside if y...
by jackpistachio
Sat Apr 12, 2014 4:58 pm
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 35
Views: 6368

Re: Speculation on I Bond fixed rate for May 1st

Couple other threads on the topic: http://www.bogleheads.org/forum/viewtopic.php?p=1525629 http://www.bogleheads.org/forum/viewtopic.php?f=10&t=135609 10-yr treasury yields are slightly higher (0.1-0.2%) than they were 6 months ago when we first got the 0.2% fixed rate. Real 5-year yields are hi...
by jackpistachio
Sat Apr 12, 2014 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 11750

Re: California Taxes - Am I Missing Something?

When a city has an average home price of $800K, where do the teachers live? Where do the firemen live? Here: http://www.mercurynews.com/sunnyvale/ci_25331740/sunnyvale-city-manager-dps-lieutenant-top-citys-salary And here: http://www.mercurynews.com/salaries/bay-area?appSession=70853739252963&R...
by jackpistachio
Sun Mar 30, 2014 7:45 am
Forum: Investing - Theory, News & General
Topic: Fewer, large contributions vs smaller, regular contributions
Replies: 14
Views: 1060

Re: Fewer, large contributions vs smaller, regular contribut

In my book, investing on a rumor is strictly verboten. I contribute more to my investments pretty much as soon as the funds are available.
by jackpistachio
Tue Mar 25, 2014 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Ashamed - Wells Fargo crushing me on credit/debit card fees
Replies: 18
Views: 3082

Re: Ashamed - Wells Fargo crushing me on credit/debit cards

+1. Avoid Capital One like the plague. They're one of the worst banks/credit card providers available. Sapphire Preferred has great service too and you immediately get a person on the phone, no nonsense menus. Why do you feel this way? Its ironic that your two comments in this and another thread ha...
by jackpistachio
Tue Mar 25, 2014 7:58 am
Forum: Investing - Theory, News & General
Topic: Timing of savings bonds purchases based on treasury yield
Replies: 7
Views: 1942

Re: Timing of savings bonds purchases based on treasury yiel

On I bonds, I'm going to wait a little while (one week or five weeks... TBD) and make a decision based largely on a complete guess of where the fixed rate may go looking at real yields. Note that this last .2% fixed didn't follow the pattern shown in #cruncher's post linked above. This is a $20k pu...
by jackpistachio
Sun Mar 23, 2014 6:49 am
Forum: Investing - Theory, News & General
Topic: Higher Returns at Lower Risk - please comment
Replies: 59
Views: 7241

Re: Higher Returns at Lower Risk - please comment

azanon: If I read your posts correctly, you are making the argument that small cap value is overvalued based on recent "overperformance". Isn't that a contradiction? If the small cap value index sticks to its criteria for the value factor, how does it become overvalued? Are you disagreeing...
by jackpistachio
Fri Mar 21, 2014 6:18 am
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 10337

Re: How did you decide how much to save?

How did you decide have much to save? Popular alternatives range from saving 10% - 15% to maxing a 401(k) to projecting rates of return and saving enough to generate a chosen level of spending if the projections prove accurate. Save too much and you're denying yourself in the present, save too litt...
by jackpistachio
Fri Mar 21, 2014 6:07 am
Forum: Investing - Theory, News & General
Topic: Timing of savings bonds purchases based on treasury yield
Replies: 7
Views: 1942

Re: Timing of savings bonds purchases based on treasury yiel

Current I bonds issued through April 30th offer a fixed component of 0.20% + the variable inflation rate. Basing your purchases of I bonds over the prior 6 month CPI-U calculation is folly, you don't know if the Treasury will be so willing to extend that 20bp fixed component going forward leaving y...
by jackpistachio
Fri Mar 21, 2014 5:50 am
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 854117

Re: best cash back credit card

My personal anecdotal experience is that I bump across merchants not accepting Amex maybe once every few months. In fact, if I were using the VISA only, I'd have a bigger problem because I shop at Costco often. I switched to using just one card (Fido Amex) for a couple of years now, and I'm loving ...
by jackpistachio
Thu Mar 20, 2014 5:27 am
Forum: Investing - Theory, News & General
Topic: Why did Bond Funds take a beating...
Replies: 39
Views: 3869

Re: Why did Bond Funds take a beating...

Who knows what yields lurk in the minds of the Fed? The Market knows! :twisted:
by jackpistachio
Thu Mar 20, 2014 5:12 am
Forum: Investing - Theory, News & General
Topic: Timing of savings bonds purchases based on treasury yield
Replies: 7
Views: 1942

Timing of savings bonds purchases based on treasury yield

Savings bonds purchases might be one of the few things that could possibly be timed. With I-Bonds you can calculate the new inflation rate before it goes into effect: I-bonds inflation rate computed from the CPI-U numbers: May rate = (Mar - Sep)/Sep; and Nov rate = (Sep - Mar)/Mar. For the I-bonds f...
by jackpistachio
Thu Mar 20, 2014 4:31 am
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 854117

Re: best cash back credit card

I decided to learn playing the credit card game and want to start soon, because in the next few months I will be spending ~$10k on travel and certain purchases, in addition to my normal expenses. Here are my constraints: 1. I want to get a VISA, because some of my potential vendors are abroad and d...
by jackpistachio
Sat Mar 15, 2014 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 854117

Re: best cash back credit card

When I travel in Europe or prepay online for services in Europe, they never accept AMEX. What about MasterCard? Is it accepted as widely as VISA, or VISA is more versatile? Victoria Make sure whatever card(s) you go with don't charge foreign transaction fees. Also Visa Signature travel benefits are...
by jackpistachio
Sat Mar 15, 2014 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 7568

Re: Should you discuss your wages with your peers?

This one is easy. I don't discuss my compensation except with those who pay me or who might pay me. I listen when others tell me what they make. If they expect me to divulge in return, then I try to give information or advice that costs little to me but can be beneficial to them.
by jackpistachio
Sat Feb 01, 2014 12:15 pm
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4865

Re: Joined the "Two Comma Club" Today

ajcp wrote:
Dadarkar wrote:Oops! Bad error on my part. Three comma is not Ten million, I missed one zero!


You're getting warmer, but still not there :wink:


http://en.wikipedia.org/wiki/Indian_Numbering_System
by jackpistachio
Sun Nov 24, 2013 8:55 am
Forum: Investing - Theory, News & General
Topic: A levered 50/50 portfolio is better than a 90/10 one?
Replies: 43
Views: 5061

Re: A levered 50/50 portfolio is better than a 90/10 one?

Hmm... so now just to figure out the Tangency Portfolio of the future, and the covariance of the asset classes over time as well! Obviously these are unknowable. We can figure out where they have been in the past, and see how they move all over the place. And then there are the events that fall well...
by jackpistachio
Sat Nov 23, 2013 6:57 am
Forum: Personal Consumer Issues
Topic: Advantages to Dual Citizenship?
Replies: 34
Views: 5567

Re: Advantages to Dual Citizenship?

reggiesimpson wrote:International Living and Permanent Traveler sites discuss this at length.


Reggie, could you provide your list of favorite "International Living and Permanent Traveler sites". Thanks in advance.
by jackpistachio
Sun Nov 17, 2013 6:57 am
Forum: Investing - Theory, News & General
Topic: Valuations matter? Your opinion
Replies: 56
Views: 3085

Re: Valuations matter? Your opinion

I replied "other". Jury's still out for me. I think they matter, but I'm not sure what to do about it. Just follow a simple rebalancing plan or make piecemeal AA adjustments? I pulled down a bunch of threads and papers to read, then as I thought I might, I got lazy. I guess I don't feel to...

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