Search found 540 matches

by jay22
Fri Apr 29, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: Almost bought an individual stock today...
Replies: 44
Views: 3344

Re: Almost bought an individual stock today...

If I am so inclined, I'd rather invest in TRW Media & Telecom fund (PRMTX) than just Amazon.
by jay22
Fri Apr 29, 2016 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 4080

Re: Young Male Living with Parents

In my opinion, there are a few things to consider: 1. Is child moving forward in life (has a job/career with a future, saving money, developing friendships and interests) or stagnating/marking time (not working or working at a low income job with no plan or initiative to improve, spending everythin...
by jay22
Wed Apr 27, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 2833

Re: if you HAD to pick 2 actively managed funds???

ruralavalon wrote:
jay22 wrote:POGRX and VGHCX.

Fund names?

Sorry.
Primecap Odyssey Growth Fund
Vanguard Health care Fund.
by jay22
Tue Apr 26, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Plan - fund selection
Replies: 5
Views: 460

Re: Utah 529 Plan - fund selection

tarheel wrote:I have two account, and both use RobertT's Utah allocation precisely. Google it, easy to find.

Are you talking about the allocation discussed here: viewtopic.php?t=118404?
by jay22
Mon Apr 25, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Plan - fund selection
Replies: 5
Views: 460

Re: Utah 529 Plan - fund selection

Grt2bOutdoors, yes, I realize it is an aggressive allocation - but given that I have 17-18 years ahead of me before these funds are used, I am perfectly at peace with it.
by jay22
Mon Apr 25, 2016 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Plan - fund selection
Replies: 5
Views: 460

Utah 529 Plan - fund selection

Good evening everyone - I know people here rate the Utah 529 plan highly. I opened an account for my 5 month old son and was wondering which fund do you guys recommend to go with? I was thinking of just going with the Age-Based Aggressive Global option because of the long term horizon. Do you think ...
by jay22
Wed Apr 20, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8491

Re: Better than amazon??

For consumers concerned about business practices, you might want to listen to this podcast expose re: Amazon: http://www.radiolab.org/story/brown-box/ That is an eye opening story, thanks for posting. This is exactly why I have stopped ordering from Amazon; what they make their employees in the war...
by jay22
Tue Apr 19, 2016 2:24 pm
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 3626

Re: What is "wrong" with having more funds in a portfolio?

Anything over 10 funds (and that's a lot) is an overkill - do you really think a fund that is 2-3% of your portfolio will do any good in the long run? Rebalancing will be a pain, not to forget the tax consequences.
by jay22
Mon Apr 18, 2016 9:17 pm
Forum: Forum Issues and Administration
Topic: How about a buy/sell (personal goods) forum?
Replies: 27
Views: 2094

Re: How about a buy/sell (personal goods) forum?

Sorry, but this is a non-starter. We are first and foremost an investing and personal finance forum. The "Consumer issues" is for "informed decisions about consumer goods and services (other than investing or financial)." The "Consumer issues" forum provides an easy wa...
by jay22
Mon Apr 18, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 10304

Re: mortgage pre payment, why?

We were struggling with this question when we bought our home. We decided the optimal way to handle this is go 50/50. Now, any extra money we have at the end of the month is split between extra payments on the mortgage the following month, and investing in a taxable account. At the current rate, we'...
by jay22
Mon Apr 18, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8491

Re: Better than amazon??

Looks like I am the only one who has stopped buying from Amazon after NYT's article on how disgusting their policies are.

That article proved that Amazon is nothing more than a glorified Walmart.
by jay22
Mon Apr 18, 2016 10:16 am
Forum: Forum Issues and Administration
Topic: How about a buy/sell (personal goods) forum?
Replies: 27
Views: 2094

Re: How about a buy/sell (personal goods) forum?

gkaplan wrote:Please, no.

This is an investing forum, not the classifieds.

People here discuss what car to buy, share recipes, talk about work culture, get vacation ideas, get advice on home improvement, and so on.

So, no, it is not just an investing forum.
by jay22
Sun Apr 17, 2016 4:01 pm
Forum: Forum Issues and Administration
Topic: How about a buy/sell (personal goods) forum?
Replies: 27
Views: 2094

Re: How about a buy/sell (personal goods) forum?

I edited the title to remove any confusion.
by jay22
Sun Apr 17, 2016 1:56 pm
Forum: Forum Issues and Administration
Topic: How about a buy/sell (personal goods) forum?
Replies: 27
Views: 2094

Re: How about a buy/sell forum?

I am not talking about buying/selling securities, funds, shares etc. I am talking about personal goods. For example, someone might be looking to buy or sell an iPhone on that forum.
by jay22
Sun Apr 17, 2016 12:05 pm
Forum: Forum Issues and Administration
Topic: How about a buy/sell (personal goods) forum?
Replies: 27
Views: 2094

How about a buy/sell (personal goods) forum?

There are a couple of other forums which I visit that have a buy/sell forum. How about we have something similar here? I understand it can result in some headache, but if governed properly, it would be a good resource for members here if they are looking to sell something.

Thoughts?
by jay22
Mon Apr 11, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Rental Car Help
Replies: 29
Views: 1569

Re: Rental Car Help

To piggyback on this question, do you guys buy insurance from the rental company while renting a car? I have always relied on my credit card company taking care of things if something happens, but wondering if that is unwise strategy.
by jay22
Mon Apr 11, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for a down payment on a house
Replies: 7
Views: 1260

Re: Saving for a down payment on a house

Fieldsy1024 wrote:We are also saving for a down payment plus extra for repairs/emergency.

We are at Ally (1% int rate) and have just over 70k. When the interest comes out on the 25th, we get $700 which helps. 2 years of that and saving 700-800 a month of my own cash should build nicely.

$700 every year, you mean?
by jay22
Fri Apr 01, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 826
Views: 128879

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

As of today, down 0.9% YTD.
by jay22
Fri Mar 18, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Baby learning videos/material
Replies: 13
Views: 1269

Re: Baby learning videos/material

My friend who has a 1.7 year old baby resides in a foreign country. She has asked me to buy some books/videos from the US that teaches a baby basic English. Can anyone suggest such things from Amazon? I think videos would be best, but I don't have a baby so I cannot relate well. Thanks. I highly re...
by jay22
Mon Mar 07, 2016 2:51 pm
Forum: Investing - Theory, News & General
Topic: Poll: Active Funds in Which You Invest
Replies: 76
Views: 4542

Re: Poll: Active Funds in Which You Invest

We invest in 2 active funds: VG Healthcare and Primecap Odyssey Growth (POGRX). These two constitute 20% of our portfolio.
by jay22
Mon Mar 07, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 8849

Re: Bread - The Cost and Convenience

I used to buy the $1.50-$2.50 bread from Walmart/Safeway (Sara Lee, Pepperidge Farm, Arnold etc.) years ago but was horrified when I started reading the ingredients list on those breads; the list of preservatives is mind boggling. I couldn't understand why a simple loaf of bread would contain 20 dif...
by jay22
Mon Feb 29, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc., NYSE:BRK.B
Replies: 31
Views: 6506

Re: Berkshire Hathaway Inc., NYSE:BRK.B

I have debated buying Berkshire shares for a long time now. Every time, though, I conclude that it is better to just buy VG Mid Cap Index instead. :D
by jay22
Wed Feb 24, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated wtih how boring personal finance is
Replies: 40
Views: 4219

Re: Frustrated wtih how boring personal finance is

OP, what is your asset allocation? If you think you have saved a handsome sum, you might want to reduce the risk of your portfolio.
by jay22
Fri Jan 08, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Include 529 in net worth?
Replies: 32
Views: 2488

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: 2901
Views: 612401

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: 6762

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: 3125

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: 3125

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: 3125

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: 3125

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: 3125

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: 3125

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: 8516

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: 114
Views: 15983

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: 1446

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: 5402

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: 3709

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: 3709

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: 17692

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: 9345

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: 3470

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: 22864

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: 22864

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: 3470

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: 1268

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: 3092

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: 6621

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: 22864

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: 22864

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...

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