Search found 680 matches

by jay22
Mon Jun 26, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 197
Views: 19993

Re: Capital One 360 $200 bonus

While you're at it, also make sure to apply for the checking account mentioned earlier in this thread. The conditions are even more lenient IMO and you get a $400 bonus :beer Yes , assuming you are referring to this , but it was also discussed and mentioned that the $400 bonus ($200 Checking, $200 ...
by jay22
Fri Jun 23, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 3919

Re: New Baby - Wife stay at home for 1 year?

My advice: let her take that time off and enjoy that time with the kid. We were just like you before our son was born 18 months ago - debating how long my wife would take off, how will we do financially, what happens to our savings rate, etc. In the long run it does not matter. We all who are active...
by jay22
Fri Jun 23, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

This is one of the best cards available though you have to call these days to get it. Much better redemptions available than $500 credit: you can get two $500 plane tickets. Yes you can churn it. My second one is in the mail now. Do you still have to give them code BAABZX or did they just allow you...
by jay22
Fri Jun 23, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Interesting. That may be a good one, assuming an odd bird in the hand is worth two in the bush. $500 statement credit is much better than $500 credit towards future flights that may come with surcharges, limited seating, etc. YOu get $3500 in spending for $3000, or essentially 14% off your purchase...
by jay22
Thu Jun 22, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 197
Views: 19993

Re: Capital One 360 $200 bonus

No, this one: https://www.capitalone.com/bonus400/ Targeted or not, people are getting the bonus so I applied. No credit pull, no special hoops or delays. I don't have my $400 yet since my second direct deposit just posted a couple days ago but I'm optimistic based on the feedback at doctorofcredit...
by jay22
Wed Jun 21, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

What are Amex premium rewards worth if I get 50k points? You must be referring to Membership Rewards that you get with the Premier Rewards Gold. They are worth 1 penny per point if used for travel. Their real value is in their transferability to top off your point balance to their partners. Flying ...
by jay22
Wed Jun 21, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

What are Amex premium rewards worth if I get 50k points?
by jay22
Thu Jun 15, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Favorite Active Funds?
Replies: 22
Views: 2313

Re: Favorite Active Funds?

I like the 4 active funds that we invest in:

VG Health Care
Primecap Odyssey Growth
TRW Cap Opportunity
VG Wellesley

These make around 1/4th of our portfolio.
by jay22
Wed May 31, 2017 9:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1351
Views: 233655

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

6.65% YTD with a 90/10 portfolio with 75/25 US/Intl split.
by jay22
Wed May 31, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting throughout the year
Replies: 23
Views: 1334

Re: Tax Loss Harvesting throughout the year

I would harvest any loss over $500 without much thought. I would harvest smaller losses, especially after Thanksgiving. I would harvest a $100 loss if the position was about to go long-term, so let's say in the 11-month of ownership. I would not harvest a $100 loss if the position was a week or two...
by jay22
Wed May 31, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting throughout the year
Replies: 23
Views: 1334

Re: Tax Loss Harvesting throughout the year

Any loss over $500 is worth TLHing, I'd say.
by jay22
Tue May 23, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 89
Views: 10181

Re: Zacks says sell Wellesley!?

I started a position in Wellesley last year and intend to buy more this year.
by jay22
Mon May 22, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 8039

Re: Which Small SUV for 15 Year Reliability?

Got the 2017 CRV in Feb - fantastic car, no issues at all. Test drove the RAV4 as well, but CRV was way better, both in terms of interiors and handling.
by jay22
Fri Apr 14, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bond fund
Replies: 8
Views: 430

Re: Help with bond fund

Here are all the options in the 401(k); the ERs are what you see on Morningstar. As you can tell, not a great plan. Only "good" options are the bond funds I listed and PRWCX. Arbitrage I (ARBNX) BlackRock Inflation Protected Bond Instl (BPRIX) Calamos Global Equity I (CIGEX) Champlain Mid ...
by jay22
Fri Apr 14, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bond fund
Replies: 8
Views: 430

Re: Help with bond fund

dbr wrote:Check and see if you have a directed brokerage option where you can buy retail funds from a variety of companies including Vanguard. You may have to do some planning to avoid large impact from trading costs.

My wife did speak to them about it. They do not have any such option, unfortunately.
by jay22
Fri Apr 14, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bond fund
Replies: 8
Views: 430

Help with bond fund

My wife recently changed jobs and her new 401(k) have only two bond options PTTRX (PIMCO Total Return Fund Institutional Class) or DBLTX (DoubleLine Total Return Bond). The equity options in the new 401(K) are atrocious. The two bond funds (at ER of 0.46 and 0.47) and TRP Capital Appreciation (ER: 0...
by jay22
Mon Apr 10, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: Larry-ish Portfolio, But Easier To Implement. Thoughts?
Replies: 58
Views: 5493

Re: Larry-ish Portfolio, But Easier To Implement. Thoughts?

Fund has expenses of X Fund has dividends and interest of Y Fund also has lending revenues of Z You the Investor get Y+Z-X in dividends. The lending revenue essentially covers some of the expenses, and in some cases more than the expenses themselves. I take the net expenses and subtract the lending...
by jay22
Mon Apr 10, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Larry-ish Portfolio, But Easier To Implement. Thoughts?
Replies: 58
Views: 5493

Re: Larry-ish Portfolio, But Easier To Implement. Thoughts?

Yep. See pages 79-80 - Look under the Statement of Operations and the Statement of Assets and Liabilities. https://www.ishares.com/us/library/stream-document?stream=reg&product=I-IEMG&shareClass=US+Class&documentId=926235~925821~925823~925653~925638&iframeUrlOverride=%2Fus%2Fliterat...
by jay22
Wed Apr 05, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Larry-ish Portfolio, But Easier To Implement. Thoughts?
Replies: 58
Views: 5493

Re: Larry-ish Portfolio, But Easier To Implement. Thoughts?

It's really easy to do, and in a tax-efficient way if needed. US - IJS is still one of the best options, with a high value loading, neutral momentum, and great size characteristics. .25% Expense ratio. Other good options are Vanguard Small Cap Value (VBR - .08) and Schwab Fundamental US Small (.25)...
by jay22
Mon Jan 02, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1351
Views: 233655

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

My 2016 returns were 9.37% with a 90/10 portfolio. Cannot complain!
by jay22
Tue Sep 27, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 66
Views: 5260

Re: Bogleheads for Diet/Nutrition?

Pollan's advice is absolutely perfect. Each vegetarian food (in sane quantity) 70-75% of the time and you'll be fine.
by jay22
Mon Sep 19, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Planning to fly to Maui in November (from Sacramento). Is there a card I can churn to get free (or almost free) flights? Thanks.
by jay22
Sun Sep 18, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 3016

Re: 2016 Honda Odyssey - which model?

Thanks everyone, you've given us a lot to think about. We're leaning towards EX-L, but will do some research.
by jay22
Sat Sep 17, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 3016

2016 Honda Odyssey - which model?

We're planning to buy Honda Odyssey some time year - I know it is a popular choice with BHs here. I wanted to ask the owners here how did they decide on the model. There are 6 models for Odyssey ranging from 30k to 45k. Is the navigation package really worth the extra $2500? The rear entertainment s...
by jay22
Tue Sep 13, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 10427

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Apparently, Carrie Tolstedt, who oversaw this unit at Wells Fargo was paid $125 million in July.

http://www.nydailynews.com/news/nationa ... -1.2789040

Absolutely incredible.
by jay22
Mon Sep 12, 2016 8:54 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 24802

Re: "Factor investing"

lack_ey, from your graph, maybe it can inferred that the value premium only shows (substantially) with small caps, then? That is pretty common knowledge. The reason I was comparing value index with S&P500 index was because I wanted to see whether we see a value premium with large caps, too. The ...
by jay22
Mon Sep 12, 2016 7:49 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 24802

Re: "Factor investing"

OK, so this is more to do with DFA funds vs Vanguard funds, then?

With all due respect, not everyone has access to DFA funds, nor has any intention of paying their advisors to get access to those funds.
by jay22
Mon Sep 12, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 24802

Re: "Factor investing"

Value if one of the factors, right? Here's the thing, the value index has actually underperformed S&P500 in the last 25 or so years. http://quotes.morningstar.com/chart/fund/chart.action?t=VIVAX&region=usa&culture=en-US&dataParams=%7B%22zoomKey%22%3A10%2C%22version%22%3A%22US%22%2C%2...
by jay22
Mon Sep 12, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 24802

Re: "Factor investing"

Duplicate
by jay22
Sun Sep 11, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 24802

Re: "Factor investing"

investorguy As I explain in my new book, and have explained here many times, TSM does own about 10% small stocks and about 30% value stocks. Those holdings provide + exposure to the size and value factors. But what you are missing is that the large and growth stocks in TSM provide an exactly offset...
by jay22
Fri Sep 09, 2016 3:07 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 24802

Re: "Factor investing"

I would add that if you don't invest in factors other than market beta than you have all your eggs in that one risk basket , a basket which has the risk of performing very poorly for a very long time. Personally I would rather have a portfolio that is diversified across different sources of risk/re...
by jay22
Fri Sep 09, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 10427

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

What a sickening story. In 2011, I decided I do not want to associate my money with any of the too big to fail banks. I closed my Citi and BoA accounts, moved my money to a credit union (and later on to Ally). Their practices and procedures are truly appalling. I was disgusted when my mortgage was s...
by jay22
Fri Aug 19, 2016 10:32 am
Forum: Investing - Theory, News & General
Topic: Growth, Value or Both?
Replies: 19
Views: 1710

Re: Growth, Value or Both?

Do we have data that far back for mid-cap value? If so, please show it. Please check the chart from Fidelity in the attached link [covering only from 1990 to 2015, good enough for government work] . Comparing the results of value and growth stock market indexes Good luck with your investments. Than...
by jay22
Thu Aug 18, 2016 7:42 pm
Forum: Investing - Theory, News & General
Topic: Growth, Value or Both?
Replies: 19
Views: 1710

Re: Growth, Value or Both?

here's another look at it using FF Research indexes which have more exposure to the factors. Data is from 92-5/16, so one month different than Taylor TSM 9.2 FF LG 9.2 FF LV 9.6 (and we now that the value premium larger in small than in large) FF SV 14.1 FF SG 6.2 Best wishes Larry Larry, what wher...
by jay22
Tue Aug 16, 2016 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend stocks for long term?
Replies: 22
Views: 1994

Re: Recommend stocks for long term?

Why waste a bonus? It's not money someone gave you for doing nothing (not that that would justify flushing money down the toilet). You worked hard and earned it, right? So put it to good use, invest it in the entire economy. Exactly what my wife said when I told her about my plan last evening. :D
by jay22
Tue Aug 16, 2016 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend stocks for long term?
Replies: 22
Views: 1994

Re: Recommend stocks for long term?

livesoft wrote:Rather than pick a stock for the long-term, I think you should use the money to do market timing between two ETFs such as VCSH and VNQ or BND and VBR. :twisted:

Livesoft, I wish I was a sophisticated investor like you. ;)
I do not have the acumen to identify RBDs to buy or sell.
by jay22
Tue Aug 16, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend stocks for long term?
Replies: 22
Views: 1994

Re: Recommend stocks for long term?

I recently got a bonus and want to use that to buy a few stocks with a long term horizon and see how it goes. Not really a BH move, I know, but this would be around 1% of my portfolio. I was thinking of splitting it between amazon and facebook, but I'd be interested in hearing your views. Thanks. I...
by jay22
Tue Aug 16, 2016 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend stocks for long term?
Replies: 22
Views: 1994

Re: Recommend stocks for long term?

Some caveats: 1) I no longer buy individual stocks, but I used to watch them a lot. If you're going to practice evaluating companies, include these in the evaluation so you can see how they compare. 2) Don't buy based on the recommendation of some random guy on the Internet. Research how to evaluat...
by jay22
Tue Aug 16, 2016 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend stocks for long term?
Replies: 22
Views: 1994

Re: Recommend stocks for long term?

unclescrooge wrote:Depends on how long is long term.
For a hundred years, I'd choose a consumer staples company.
For five years, I might go with Amazon or Google.

Any particular consumer staples company you have in mind?
by jay22
Tue Aug 16, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Isn't the Sapphire Reserve only for business customers?
by jay22
Tue Aug 16, 2016 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend stocks for long term?
Replies: 22
Views: 1994

Recommend stocks for long term?

I recently got a bonus and want to use that to buy a few stocks with a long term horizon and see how it goes. Not really a BH move, I know, but this would be around 1% of my portfolio. I was thinking of splitting it between amazon and facebook, but I'd be interested in hearing your views. Thanks.
by jay22
Thu Aug 11, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 107
Views: 12012

Re: Bogle & Buffett on International Investing

A few thoughts: 1. What Bogle and Buffett state is fine for an average investor - most investors cannot go wrong if they just follow their advice and stay the course. 2. Most posters on this website have an above average investing acumen, and they should make their own decision when it comes to inte...
by jay22
Tue Aug 09, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Small & Mid Cap Funds
Replies: 6
Views: 943

Re: Small & Mid Cap Funds

As has been said many times, there are things you can control in investing (manager risk, cost, taxes, turnover) and things you can't (everything else). These funds accomplish what you need. S&P has been doing indexes for longer than anybody except maybe Dow Jones. When you start worrying about...
by jay22
Tue Aug 09, 2016 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Small & Mid Cap Funds
Replies: 6
Views: 943

Re: Small & Mid Cap Funds

Bumping this up to see if other BHs have any opinion on this.
by jay22
Mon Aug 08, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Small & Mid Cap Funds
Replies: 6
Views: 943

Re: Small & Mid Cap Funds

Thank you, lack_ey. I searched the forum, and you're right; some folks here specifically look for these two indices, so I am guessing they should be good enough.
by jay22
Mon Aug 08, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Small & Mid Cap Funds
Replies: 6
Views: 943

Small & Mid Cap Funds

Recently, my 401K plan admin added the following 2 funds: 1. Columbia Small Cap Index Fund Class R5 Shares (CXXRX) ER: 0.20 2. Columbia Mid Cap Index Fund Class R5 Shares (CPXRX) ER: 0.26 I just read the summary prospectus for these funds. They track the S&P SmallCap 600 and S&P MidCap 400 I...
by jay22
Fri Jul 29, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: are the markets overvalued? Are Grantham/Hussman etal correct?
Replies: 222
Views: 17176

Re: are the markets overvalued? Are Grantham/Hussman etal correct?

NMJack That statement is simply inccorrect that nobody knows nothing about the markets. Now we don't know which direction the market will head. But we do know that high valuations predict low future returns and vice versa. That certainly isn't nothing. Best wishes Larry Larry, you are right that hi...
by jay22
Wed Jul 27, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: VPMAX worth it? [Vanguard PRIMECAP]
Replies: 15
Views: 3284

Re: VPMAX worth it? [Vanguard PRIMECAP]

If you sell it, can you sell one share to me?
by jay22
Wed Jul 27, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: are the markets overvalued? Are Grantham/Hussman etal correct?
Replies: 222
Views: 17176

Re: are the markets overvalued? Are Grantham/Hussman etal correct?

Nobody knows nothing when it comes to the markets.
by jay22
Sat Jul 23, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 3004

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...

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