Search found 516 matches

by jay22
Fri Jan 08, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Include 529 in net worth?
Replies: 32
Views: 2379

Re: Include 529 in net worth?

Sure, why not? I sold the assets of two 529 plans (I was the owner) and just put the money in my taxable accounts. I didn't have to pay any taxes nor penalties to do so. Indeed, the IRS gave me a tax refund for doing so. That's right, they paid me to do it. How about that? And then, if I wanted to ...
by jay22
Thu Jan 07, 2016 11:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2754
Views: 546988

Re: U.S. stocks in freefall

I cannot understand why so many experienced investors freak out when the market drops 2-3% every now and then. I mean, that is indeed the nature of the market, isn't it? It is not the first time it has happened, nor would it be the last.
by jay22
Mon Jan 04, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 6359

Re: How did your retirement Portfolio do in 2015?

My 2015 XIRR was -1.5%.

It sucks, but I invested more than I did in 2014 in spite of increased expenses. I am hoping that will count for something in 20-30 years.
by jay22
Sat Jan 02, 2016 12:21 am
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 2890

Re: Vacuum for hardwood

califboglehd wrote:Another vote for Hoover Linx, light and powerful. Gave one to my mom as a gift. She has since given 3 or 4 of them as gifts to friends....

How is the battery life on the Linx?
by jay22
Sat Jan 02, 2016 12:15 am
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 2890

Re: Vacuum for hardwood

Definitely consider a Roomba. It works great on hardwood floors If you are not too compulsive, get a robot. Like my Mint 5200 (I think it is called a Braava now?) It mops too. You have better things to do with your time than pushing a vacuum around. I was thinking about the robotic ones, but I am s...
by jay22
Fri Jan 01, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 2890

Re: Vacuum for hardwood

Just bought a Hoover Linx battery powered vacuum for the hardwood. Works great. Another vote for the Hoover Linx, one of the best products I have ever purchased. It is great for hardwood floors but also for carpeted stairs. I was looking at it this morning, how is the battery life? Do you have to c...
by jay22
Fri Jan 01, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 2890

Re: Vacuum for hardwood

My wife researched this when we got a new house with hardwood floors throughout. We ended up with a Miele Olympus and she loves it. I can look for the exact model if anyone cares. We also have a Swiffer and a Braava (roomba-style device for hard-surface floors, from the Roomba/iRobot people). Overa...
by jay22
Fri Jan 01, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 2890

Re: Vacuum for hardwood

Looking to replace our existing vacuum and get a new one to clean hardwood floors. Does anyone here has any recommendations? Thanks. For hardwood floors, I recommend a Swiffer. It works better than a vacuum in my experience, and is a whole lot quieter. Dry ones are great for daily or weekly collect...
by jay22
Fri Jan 01, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 2890

Vacuum for hardwood

Looking to replace our existing vacuum and get a new one to clean hardwood floors. Does anyone here has any recommendations? Thanks.
by jay22
Tue Dec 08, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Holiday tipping: letter carriers
Replies: 120
Views: 7632

Re: Holiday tipping: letter carriers

On a similar note, what do people here think is an appropriate holiday gift for the lady who cleans our house biweekly and the guy who takes care of our lawn every week?
by jay22
Sat Nov 14, 2015 5:06 pm
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 111
Views: 15192

Re: Putting Active Management to the Test

This is a fascinating thread. I firmly believe that low cost, low turnover active funds can definitely boost the overall portfolio.

This year, we started a long-term position in POGRX and VGHCX with that in mind. These two funds now constitute 15% of our total portfolio.
by jay22
Sat Oct 31, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: Home warranties - worth it?
Replies: 14
Views: 1308

Home warranties - worth it?

We purchased our first home last year in Dec and the sellers paid for the first year of home warranty (about $500). It is expiring soon and we are wondering if it worth to extend it? We did not use the warranty in the whole year. That said, our heating and air systems are about 12 years old so they ...
by jay22
Mon Oct 26, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Proven Non-Index Funds
Replies: 55
Views: 5095

Re: Proven Non-Index Funds

VGHCX and all funds managed by the PRIMECAP team.

We decided to start a small position in both of them this year.
by jay22
Mon Oct 26, 2015 11:32 am
Forum: Investing - Theory, News & General
Topic: "Morningstar Names Best 529 College-Savings Plans for 2015"
Replies: 27
Views: 3502

Re: "Morningstar Names Best 529 College-Savings Plans for 2015"

OK, I did some more research on this. NY's plan seems to have all VG funds with ER around .17%. UT and NV's are close of .25%; any specific reason why folks here like them over the NY plan?
by jay22
Mon Oct 26, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: "Morningstar Names Best 529 College-Savings Plans for 2015"
Replies: 27
Views: 3502

Re: "Morningstar Names Best 529 College-Savings Plans for 2015"

Texas resident here so no state income tax issues to deal with. I was looking at both Nevada and Utah 529 plans and ended up going with Nevada which is the one sold directly by Vanguard. At the time that I compared them the fees were basically equivalent and I went with Nevada simply for the conven...
by jay22
Thu Oct 15, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 16248

Re: Is The Bay Area Worth It?

I was in the same boat as you are a couple of years ago. I was offered a job with a 40% increase in my salary in Mountain View. In the end, we decided that the cost of living (can never afford a house there unless there's a market crash), stress level (almost every one I know is getting sick and tir...
by jay22
Wed Oct 14, 2015 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fair share of expenses for spouses?
Replies: 100
Views: 8793

Re: Fair share of expenses for spouses?

I feel for folks who have to (or choose to, I guess I should say) live with such complicated marital finance frameworks. Personally, I couldn't imagine divvying up income and expenses per spouse. When my wife earned less than me, it didn't matter. Now that she earns more than I do, that also does n...
by jay22
Wed Sep 23, 2015 10:08 am
Forum: Investing - Theory, News & General
Topic: TLH (tax-loss harvesting) & quarterly dividends
Replies: 57
Views: 3193

Re: TLH (tax-loss harvesting) & quarterly dividends

Just when I thought I had figured out TLH, this thread appeared and has confused me again. :?
by jay22
Wed Sep 23, 2015 8:59 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

I have done TLHing with for about 3K, but have some more losses that I could realize. Does it make sense to realize those losses now and write them off in the 2016 tax return, or should I wait till next year (when I might now be able to sell them at a loss)? Does this "algorithm" help you...
by jay22
Wed Sep 23, 2015 8:16 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

I have done TLHing with for about 3K, but have some more losses that I could realize. Does it make sense to realize those losses now and write them off in the 2016 tax return, or should I wait till next year (when I might now be able to sell them at a loss)?
by jay22
Wed Sep 23, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: TLH (tax-loss harvesting) & quarterly dividends
Replies: 57
Views: 3193

Re: TLH (tax-loss harvesting) & quarterly dividends

TIAX wrote:How would one determine whether TLHing is worth violating the 61 day rule?

Isn't it 31 days now in VG?
by jay22
Mon Sep 21, 2015 10:22 am
Forum: Investing - Theory, News & General
Topic: Active Management for International investing?
Replies: 14
Views: 1201

Re: Active Management for International investing?

I think it does make sense but expenses can be a real killer. I am trying to find some low expense international active funds, going to do a 50/50 split between index and active funds for my international allocation.
by jay22
Fri Sep 18, 2015 3:36 pm
Forum: Investing - Theory, News & General
Topic: Convince me on Small-Value Premium
Replies: 54
Views: 2912

Re: Convince me on Small-Value Premium

I tilt to SCV, but I think the value premium is a thing of past. Still, I am just not able to convince myself to exghange the SCV to TSM, yet. :D
by jay22
Fri Sep 18, 2015 1:49 pm
Forum: Investing - Theory, News & General
Topic: Talk me off the Ledge
Replies: 73
Views: 6315

Re: Talk me off the Ledge

You can always increase your cash allocation and earn 1% on it if you don't like bonds. I don't see why it has to be either/or.
by jay22
Thu Sep 17, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

I hear you, packet. Doesn't make any sense to pay short term taxes when you're trying to save taxes by doing TLH.

Also, is it 30 calendar days, or only the days when the market is open is counted?
by jay22
Wed Sep 16, 2015 10:02 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

BHs, what would be a substitute fund for VGTSX? Also, is it advisable to do TLH for short term gains, too? Answers: VFWIX. No. One more question - VGTSX and VFWIX are more or less the same fund. Does it make sense to switch back to VGTSX after 31 days? Wouldn't there be tax implications once I sell...
by jay22
Wed Sep 16, 2015 7:26 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

Thanks Livesoft.

I just did my first ever TLH for around $2.4K. :D
by jay22
Wed Sep 16, 2015 5:56 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

packet wrote:
jay22 wrote:BHs, what would be a substitute fund for VGTSX? Also, is it advisable to do TLH for short term gains, too?

Tax Loss harvesting and tax gain harvesting are two very different things.

:beerCheers,
packet

Sorry, I meant short term loss. :oops:

Edited the post.
by jay22
Wed Sep 16, 2015 5:23 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

BHs, what would be a substitute fund for VGTSX? Also, is it advisable to do TLH for short term loss, too?
by jay22
Tue Sep 15, 2015 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Which SC fund?
Replies: 3
Views: 265

Re: Which SC fund?

Yes, I realize that. Unfortunately, that's the only SC option I have in my 401.
by jay22
Tue Sep 15, 2015 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Which SC fund?
Replies: 3
Views: 265

Which SC fund?

My 401(k) has Columbia Small Cap Index Fund (NMSAX) with ER of .5% as a small cap option. Currently, I tilt to SCV in my rIRA with Vanguard Small-Cap Value Index Fund (VISVX), but need to free up some tax advantaged space in my IRA. Is NMSAX a good enough substitute for VISVX? Thanks.
by jay22
Sun Sep 13, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Please Critique CFP Recommended Portfolio
Replies: 52
Views: 2876

Re: Please Critique CFP Recommended Portfolio

Why do you need so many funds? In a portfolio, anything over 6-8 funds is overkill and creates a lot of redundancy. Start with a 3 fund portfolio and you can slice & dice it later to add 3-4 more funds if you'd like.
by jay22
Sat Sep 12, 2015 3:37 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements newsletter
Replies: 20
Views: 2337

Re: Jonathan Clements newsletter

This newsletter raises a very pertinent question - what is an investor supposed to do with these high valuations? Keep putting money into stocks when you know you're buying very expensive assets, or hold cash and see it's value erode due to inflation? :?: He has provided a link for comments and he'...
by jay22
Fri Sep 11, 2015 8:48 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements newsletter
Replies: 20
Views: 2337

Re: Jonathan Clements newsletter

This newsletter raises a very pertinent question - what is an investor supposed to do with these high valuations? Keep putting money into stocks when you know you're buying very expensive assets, or hold cash and see it's value erode due to inflation? :?: I didn't get a hint of that question when I...
by jay22
Fri Sep 11, 2015 6:59 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements newsletter
Replies: 20
Views: 2337

Re: Jonathan Clements newsletter

This newsletter raises a very pertinent question - what is an investor supposed to do with these high valuations? Keep putting money into stocks when you know you're buying very expensive assets, or hold cash and see it's value erode due to inflation? :?:
by jay22
Fri Sep 11, 2015 5:50 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements newsletter
Replies: 20
Views: 2337

Re: Jonathan Clements newsletter

These quotes are interesting. As of yesterday’s market close, the S&P 500 was down a relatively modest 8% from its May high. If this drags on, without any further decline, I’ll eventually do a little buying and selling, to bring my holdings back into line with my target portfolio percentages. Bu...
by jay22
Mon Sep 07, 2015 4:50 pm
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 133
Views: 14195

Re: Best Small Purchases (Around the house)

canderson wrote:Automatic timers for lights.

No more turning off/on lamps, worrying if they're on, etc.

Recommendations for a particular one? I am also looking to install those around the house.
by jay22
Mon Sep 07, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

Thanks! So, as long as those shares have not been purchased (in the IRAs) 61 days before I TLH, I should be good?
by jay22
Mon Sep 07, 2015 9:45 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

Read this thread again. So, a wash sale can happen if I have the same fund that I am trying to TLH in my IRA/Spouse's IRA account? Or am I missing something here? :?:
by jay22
Sun Sep 06, 2015 12:12 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20978

Re: TLH for absolute dummies [Tax Loss Harvesting]

If I TLH, instead of exchanging to a "similar" fund, I can also put that money in a MM account, and buy the same fund after 31 days, is that correct?
by jay22
Wed Sep 02, 2015 10:49 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 111577

Re: What are you up YTD? [Year To Date]

Portfolio return as of 08/31/2015:

1 month -6.47%
3 months -7.74%
YTD -3.12%
1 year -3.66%

AAis 90/10 with 70/30 US/International. Those numbers don't look too pretty, do they?
by jay22
Wed Aug 26, 2015 4:26 pm
Forum: Investing - Theory, News & General
Topic: Need for TLH
Replies: 5
Views: 426

Re: Need for TLH

Thanks guys. Just seems too much work to me. When do you generally do it? Just during a dip/correction like last week, or with regular market ups and downs as well?
by jay22
Wed Aug 26, 2015 3:16 pm
Forum: Investing - Theory, News & General
Topic: Need for TLH
Replies: 5
Views: 426

Need for TLH

I am a long term investor - have 3 decades of investing in front of me before I retire. Is there a reason I should look into tax loss harvesting? My theory is, if whatever I bought goes down, it will probably come again in a few years. So why do I need to sell it and do TLH? It seems people here do ...
by jay22
Sun Aug 23, 2015 7:34 pm
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 17582

Re: Are any US-only investors having 2nd thoughts?

Total Returns YTD: Total Stock: -2.27% Total International Stock: -4.01% International is now lower than when I lump summed all of my cash into it in December 2012. What a farce. Not sure from where you are getting these figures from? VTSMX is up 3.5% YTD (http://finance.yahoo.com/q/pm?s=VTSMX+Perf...
by jay22
Sun Aug 23, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing bands revisited, a proposal
Replies: 58
Views: 4942

Re: Rebalancing bands revisited, a proposal

All these different theories are way to complicated for me. :D

I just rebalance with new additions throughout the year. Easy.
by jay22
Sun Aug 23, 2015 12:06 pm
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 17582

Re: Are any US-only investors having 2nd thoughts?

Total Returns YTD: Total Stock: -2.27% Total International Stock: -4.01% International is now lower than when I lump summed all of my cash into it in December 2012. What a farce. Not sure from where you are getting these figures from? VTSMX is up 3.5% YTD (http://finance.yahoo.com/q/pm?s=VTSMX+Perf...
by jay22
Mon Aug 17, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 8219

Re: Carry on luggage

If you are going for the "no checked bags" method, I recommend you skip the wheels and just get a duffel or backpack. Yup. I'm a huge fan of "travelpacks", aka "convertible carry-ons". They're basically soft-sided carry-on bags without wheels, but with backpack-style s...
by jay22
Wed Aug 12, 2015 5:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Insight...He can't be this good, can he?
Replies: 15
Views: 2685

Re: Fidelity Insight...He can't be this good, can he?

Would be interesting to see which funds they invest in. This seems to be a similar newsletter as published by Dan Weiner for VG funds - his website claims that his recommended portfolio has outperformed S&P 500 by many percentage points.
by jay22
Sat Jul 11, 2015 11:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 34
Views: 6374

Re: Sacramento, CA Area Chapter - Master Thread

Great meeting today! Enjoyed the discussions, and the company of everyone who came. Looking forward to the next one already!

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