Search found 631 matches

by jay22
Sat Jul 23, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2279

Re: Tires for Honda Civic

Costco is running a $70 off 4 tires special on Bridgestone tires. Does anyone here has any experience with those? Do you have a specific Bridgestone tire model in mind? Ecopia EP422 PLUS, Turanza Serenity Plus, or Potenza RE97AS. I haven't had those specific tires on my car, so I would suggest star...
by jay22
Sat Jul 23, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2279

Re: Tires for Honda Civic

Mudpuppy wrote:
jay22 wrote:Costco is running a $70 off 4 tires special on Bridgestone tires. Does anyone here has any experience with those?

Do you have a specific Bridgestone tire model in mind?

Ecopia EP422 PLUS, Turanza Serenity Plus, or Potenza RE97AS.
by jay22
Fri Jul 22, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2279

Re: Tires for Honda Civic

Costco is running a $70 off 4 tires special on Bridgestone tires. Does anyone here has any experience with those?
by jay22
Wed Jul 20, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2279

Re: Tires for Honda Civic

Anyway, Jay- Telling us you have a Civic only gives us the most basic info (tire size and load range) To give you recommendations on tires we really need to know how you drive and what is important to you: Do you have a max budget range? Do you care more about tire life or performance ? Do you care...
by jay22
Tue Jul 19, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2279

Re: Tires for Honda Civic

Thanks everyone. I looked on DTD's website. When I place the order online on their website, do they send the tires to my home, or directly to their installation center?
by jay22
Tue Jul 19, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2279

Re: Tires for Honda Civic

Rodc, you're right, it is quite easy to overthink this. :)

I should probably just head to Costco and get it done there, can't go wrong with the choices they'll have. I am sure they'll offer a fair price, too.
by jay22
Tue Jul 19, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2279

Re: Tires for Honda Civic

Thanks, radiowave. I did take a look there; so many options! How did you know which one to go with?
by jay22
Tue Jul 19, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2279

Tires for Honda Civic

I need to get the tires on my 2012 Honda Civic EX replaced. Does anyone here have any recommendations on which brand/model I should look for? Thanks.
by jay22
Sat Jul 16, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3167

Re: Raising a reader

I want to thank you all for the amazing comments. I am taking my son to the library shortly to explore the books there. Cannot wait to read to him and watching him grow. :happy
by jay22
Fri Jul 15, 2016 2:48 pm
Forum: Investing - Theory, News & General
Topic: Avoid mid and small caps?
Replies: 19
Views: 2602

Re: Avoid mid and small caps?

There's nothing wrong with holding the S&P, but I don't understand how that's less volatile than the total market. Ok strategy, wrong reasoning. You can look at more data if you want but for starters: http://i.imgur.com/tOsCyRd.png https://www.portfoliovisualizer.com/asset-correlations?s=y&...
by jay22
Fri Jul 15, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3167

Re: Raising a reader

Thanks for your responses! Both my wife and I are avid readers; we read almost daily for 20-30 mins before bed, and more on weekends. So, I am sure he will see us reading when he grows up more. I do plan to read to my son! In fact, I cannot wait for it. At what age do you recommend I start doing that?
by jay22
Fri Jul 15, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3167

Raising a reader

Our son is going to be 8 months old soon, and both my wife and I want to ensure that he gets into a habit of reading from an early age. What strategies have worked for parents here for that? Any ideas you guys can share? Thanks!
by jay22
Fri Jul 15, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: Avoid mid and small caps?
Replies: 19
Views: 2602

Avoid mid and small caps?

So a friend of mine invests in S&P500 index, and not in the TSM index. He says he wants to avoid the mid caps, and small caps as much as he can since he does not like the volatility. He does the same thing with internationals too; invests in a few large cap index funds. Curious to see what BH th...
by jay22
Wed Jul 13, 2016 2:12 pm
Forum: Investing - Theory, News & General
Topic: What do you recommend for your emergency fund?
Replies: 25
Views: 2327

Re: What do you recommend for your emergency fund?

I use Ally bank for my emergency fund. Never had a problem with transfers (both in and out); works flawlessly.
by jay22
Tue Jul 12, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: gearing [using Leverage]
Replies: 32
Views: 1877

Re: gearing [using Leverage]

Warren Buffett once said (not an exact quote): Leverage entice people to do crazy things. If you are smart, you do need to use leverage; if you're dumb, you have no business considering it. I have to chuckle at this quote. One of the keys of Berkshire Hathaway's success is the leverage it uses. It'...
by jay22
Mon Jul 11, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5375

Re: What's your asset allocation and why?

I am 90/10 stocks/bonds. My stocks allocation is 70/30 US/International. I plan to take it to 75/25 by not buying any more international funds.
by jay22
Sun Jul 10, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: Long term bond funds
Replies: 26
Views: 2230

Re: Long term bond funds

The advice I've seen is to buy bonds, or bond funds, according to your holding period. It is recommended that the duration of a fund should be shorter than the time you can keep the bond. For example, if you plan to use the money to buy a house in 8 years, you can invest in a bond that matures in 8...
by jay22
Sun Jul 10, 2016 10:53 am
Forum: Investing - Help with Personal Investments
Topic: gearing [using Leverage]
Replies: 32
Views: 1877

Re: gearing [using Leverage]

Warren Buffett once said (not an exact quote): Leverage entice people to do crazy things. If you are smart, you do need to use leverage; if you're dumb, you have no business considering it.
by jay22
Sun Jul 10, 2016 9:45 am
Forum: Investing - Theory, News & General
Topic: Long term bond funds
Replies: 26
Views: 2230

Re: Long term bond funds

The advice I've seen is to buy bonds, or bond funds, according to your holding period. It is recommended that the duration of a fund should be shorter than the time you can keep the bond. For example, if you plan to use the money to buy a house in 8 years, you can invest in a bond that matures in 8...
by jay22
Sat Jul 09, 2016 8:10 pm
Forum: Investing - Theory, News & General
Topic: Long term bond funds
Replies: 26
Views: 2230

Re: Long term bond funds

About 10%. I'm concerned about lots of things, probably #1 on my list would be high US stock prices. I've got more than 2x as much in US stocks than in long term bonds. I was concerned about possible rising rates 3 years ago, too and look what's happened since. That's not to say that at 3.5% yield ...
by jay22
Sat Jul 09, 2016 7:03 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1004
Views: 155302

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

80% stocks - up 7% 20% alternative investments - up about 80% Clearly I need more alternative investments in my portfolio. What you have you been buying besides Brexit futures? :) Haha, no futures. I've bee investing in litigation - funding commercial cases for a piece of the recovery. Totally unco...
by jay22
Sat Jul 09, 2016 6:55 pm
Forum: Investing - Theory, News & General
Topic: Long term bond funds
Replies: 26
Views: 2230

Re: Long term bond funds

I think it is just fine to invest some long term money in long term bonds. VWETX has been our best performing fund over the past 3 years and it's returns have beaten stocks over the past 10 years. What percentage of your FI is in long term bonds? Are you concerned with the rise in interest rates an...
by jay22
Fri Jul 08, 2016 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Zero bonds at 38 yo... and no plans to buy any
Replies: 68
Views: 4978

Re: Zero bonds at 38 yo... and no plans to buy any

OP here... so I was having a discussion with a friend about this matter and he said that he has some bonds and recommended putting my emergency fund in PHK. He said he's held that fund for a long time and loves it because of the high dividend. I looked it up and it does pay over a 10% dividend, it ...
by jay22
Wed Jul 06, 2016 9:32 pm
Forum: Investing - Theory, News & General
Topic: dividend paying stocks good substitutes for safe bonds (NOT)
Replies: 102
Views: 7953

Re: dividend paying stocks good substitutes for safe bonds (NOT)

Maybe I am missing something here: dividend or not, stocks are still stocks, are they not? Why would anyone assume stocks are a good substitute for "safe" bonds? Maybe not a substitute but a complement. Somebody said once when you have a bond you receive interest based on a piece of paper...
by jay22
Wed Jul 06, 2016 7:13 pm
Forum: Investing - Theory, News & General
Topic: "The Thirteen Word Retirement Plan"
Replies: 21
Views: 3474

Re: "The Thirteen Word Retirement Plan"

White Coat Investor wrote:Looks like its only free if you have Kindle Unlimited. Am I wrong?

You are not. The regular Kindle price is $4.99.
by jay22
Wed Jul 06, 2016 4:14 pm
Forum: Investing - Theory, News & General
Topic: dividend paying stocks good substitutes for safe bonds (NOT)
Replies: 102
Views: 7953

Re: dividend paying stocks good substitutes for safe bonds (NOT)

Maybe I am missing something here: dividend or not, stocks are still stocks, are they not? Why would anyone assume stocks are a good substitute for "safe" bonds?
by jay22
Wed Jul 06, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund?
Replies: 30
Views: 3546

Re: Where To Park Your Emergency Fund?

Wellesley sounds great! But I wonder if it would be bad to park your $ in for an emergency because my emergency funds are in taxable accounts. Wellesley fund doesn't sound very tax-efficient, but maybe it's a better deal than a mere 1.3% CD account. What do you think? Ashley <3 Ashley, that is what...
by jay22
Wed Jul 06, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund?
Replies: 30
Views: 3546

Re: Where To Park Your Emergency Fund?

Trev, appreciate your input. The W funds are amazing, aren't they? :D
by jay22
Tue Jul 05, 2016 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund?
Replies: 30
Views: 3546

Re: Where To Park Your Emergency Fund?

jjface.. On that possible 20% loss you mentioned.... From 2001 - 2015 (the past 15 years) the wellesley income fund had one year with negative return.... 2008 -9.84 in the same year TSM (US Stock Market) had a -36.99 return. ALL of the other 14 years the total positive return for Wellesley income i...
by jay22
Tue Jul 05, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Zero bonds at 38 yo... and no plans to buy any
Replies: 68
Views: 4978

Re: Zero bonds at 38 yo... and no plans to buy any

OP, if you do not like bonds, maybe you can allocate some portion of your portfolio in a Wellesley like balanced fund? It will provide you with decent growth while protecting you from significant loses in a down market. I do not do that (my FI portion is in intermediate index and cash), but I know a...
by jay22
Fri Jul 01, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: "Age in bonds" or "110 minus age = equities"?
Replies: 28
Views: 2987

Re: "Age in bonds" or "110 minus age = equities"?

There is no right or wrong answer for this question. All depends on the individual.
by jay22
Fri Jul 01, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 9
Views: 1646

Re: Wellington & Wellesley

Coincidence. One has less volatility but lower expected return so at any given time period it may do better. Over the long run Wellington should outperform it which it has done. Part of the reason is that wellesley dropped a lot less than wellington in 2008. Wellington has only just caught up. Add ...
by jay22
Fri Jul 01, 2016 3:08 pm
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 9
Views: 1646

Wellington & Wellesley

I was looking at the charts for these two iconic funds, and noticed something. http://quotes.morningstar.com/chart/fund/chart.action?t=VWINX&region=usa&culture=en-US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C...
by jay22
Fri Jul 01, 2016 2:12 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2016)
Replies: 14
Views: 1037

Re: madsinger monthly report (June 2016)

Madslinger, any particular reason why you use long bonds instead of intermediate/short ones?
by jay22
Mon Jun 27, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Fund swaps to harvest losses
Replies: 13
Views: 993

Re: Fund swaps to harvest losses

You have losses of 4K, and you're thinking whether TLHing is worthwhile or not? After livesoft posted that algorithm on TLH (https://www.bogleheads.org/forum/viewtopic.php?f=10&t=172568&start=100#p2610557), I sell my loss making funds when the losses exceed $500. I think the tax break makes ...
by jay22
Mon Jun 27, 2016 11:04 am
Forum: Investing - Help with Personal Investments
Topic: [International Small] TLH question [Tax Loss Harvesting]
Replies: 5
Views: 200

Re: [International Small] TLH question [Tax Loss Harvesting]

livesoft wrote:VSS and SCZ make a nice TLH pair. Add DGS if you want the small-cap emerging to go with small-cap developed.

ALWAYS consult the lists at http://altruistfa.com/dfavanguard.htm whenever you have such a question.

Thanks, livesoft. SCZ and DGS looks like a great substitute! I'll bookmark that link.
by jay22
Mon Jun 27, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: [International Small] TLH question [Tax Loss Harvesting]
Replies: 5
Views: 200

Re: [International Small] TLH question [Tax Loss Harvesting]

Thanks. I know they are not as cheap as SCHC, but what do you think of DGS and DLS?
by jay22
Mon Jun 27, 2016 10:11 am
Forum: Investing - Help with Personal Investments
Topic: [International Small] TLH question [Tax Loss Harvesting]
Replies: 5
Views: 200

[International Small] TLH question [Tax Loss Harvesting]

Can someone recommend which "similar" ETF can be used when TLHing VSS? Thanks.
by jay22
Sun Jun 26, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682985

Re: U.S. stocks in freefall

But you can TLH between mutual funds too - the only difference is the exchange happens at closing prices and can be done with the total dollar amount without concern for residual cash from share price differences. This is correct. People are able to tax-loss harvest mutual fund shares as needed. It...
by jay22
Sun Jun 26, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 26453

Re: Could John Bogle Be Right About International Stock?

I have started to second guess myself with 30% of equities in international markets (divided equally between developed, emerging, and FTSE All-World ex-US Small Cap). I keep putting money in these funds, but can't help but wonder when it will pay off. And even when it pays off, will it be enough to...
by jay22
Sat Jun 25, 2016 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Portion of My Portfolio
Replies: 25
Views: 1459

Re: Bond Portion of My Portfolio

I would say go with Intermediate bond Index instead of TBM. It is a much better option than TBM which is quite heavy in treasuries. That may be a fine idea (as outlined above, I would have some reservations), but if you're talking about Vanguard Intermediate Term Bond Index Fund (VBILX, BIV) or iSh...
by jay22
Sat Jun 25, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Portion of My Portfolio
Replies: 25
Views: 1459

Re: Bond Portion of My Portfolio

I would say go with Intermediate bond Index instead of TBM. It is a much better option than TBM which is quite heavy in treasuries. That may be a fine idea (as outlined above, I would have some reservations), but if you're talking about Vanguard Intermediate Term Bond Index Fund (VBILX, BIV) or iSh...
by jay22
Sat Jun 25, 2016 2:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682985

Re: U.S. stocks in freefall

But you can TLH between mutual funds too - the only difference is the exchange happens at closing prices and can be done with the total dollar amount without concern for residual cash from share price differences. This is correct. People are able to tax-loss harvest mutual fund shares as needed. It...
by jay22
Sat Jun 25, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Portion of My Portfolio
Replies: 25
Views: 1459

Re: Bond Portion of My Portfolio

I would say go with Intermediate bond Index instead of TBM. It is a much better option than TBM which is quite heavy in treasuries.
by jay22
Sat Jun 25, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 26453

Re: Could John Bogle Be Right About International Stock?

I have started to second guess myself with 30% of equities in international markets (divided equally between developed, emerging, and FTSE All-World ex-US Small Cap). I keep putting money in these funds, but can't help but wonder when it will pay off. And even when it pays off, will it be enough to ...
by jay22
Fri Jun 24, 2016 12:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682985

Re: U.S. stocks in freefall

If I exchange my mutual funds to their corresponding ETFs in the taxable account, is that considered a taxable event? I feel like I am not able to take advantage of potential TLH opportunities with mutual funds. Today would have been the perfect day for that! No you cannot sell and buy a different ...
by jay22
Fri Jun 24, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682985

Re: U.S. stocks in freefall

If I exchange my mutual funds to their corresponding ETFs in the taxable account, is that considered a taxable event? I feel like I am not able to take advantage of potential TLH opportunities with mutual funds. Today would have been the perfect day for that! No you cannot sell and buy a different ...
by jay22
Fri Jun 24, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682985

Re: U.S. stocks in freefall

If I exchange my mutual funds to their corresponding ETFs in the taxable account, is that considered a taxable event? I feel like I am not able to take advantage of potential TLH opportunities with mutual funds. Today would have been the perfect day for that!
by jay22
Wed Jun 22, 2016 8:28 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 5044

Re: Learning how to invest successfully

What do you say to him? :oops: jay22: Tell him to read a good book about investing. Investment Gems Best wishes. Taylor I would do that, but I don't think that would help. Apparently, educating oneself on investing is a complicated process and takes a lot of time and effort, so paying high fees mak...
by jay22
Wed Jun 22, 2016 4:08 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 5044

Re: Jack Bogle will Appear on Webinar [June 15]

Outstanding, as always. While Mr. Bogle has done an amazing job educating the average investor on the impact of the fees, there are still who believe high fees is worth it and it makes for a better investment product. I sent out an email to a bunch of my fellow coworkers discussing our 401K plan, an...

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