Search found 698 matches

by jay22
Tue Aug 22, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 219
Views: 40036

Re: How much international stock? A suggestion.

With the high valuations for US stocks and 30 yr forecasts made by different organizations, is anyone here thinking of increasing their international holdings in the future? I am staying the course for now (25% international), but it would seem to be the logical thing to do.
by jay22
Tue Aug 22, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15803

Re: Capital One $400 bonus for new checking account

From the link: "IF YOU DID NOT RECEIVE AN EMAIL OR MAIL PIECE DIRECTLY FROM CAPITAL ONE 360 WITH THE ABOVE CODE, YOU ARE INELIGIBLE FOR THIS BONUS OFFER." This is very important. I made the mistake of opening a Capital One 360 money market account, thinking I'd get the $200 bonus, but I didn't read...
by jay22
Thu Aug 17, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15803

Re: Capital One $400 bonus for new checking account

I did two ACH transfers of amount $255 and $265 from my Chase checking account on July 10. Still no bonus posted on Captial One 360 account yet. Under Captial One 360 checking accounts, both ACH transfers are marked as "Transaction Type: Deposit" and "Info: Ext Trnsfr". Are these eligible as Direct...
by jay22
Wed Aug 09, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17466

Re: Life at crossroads. What would you do ?

David, you do not have to move to the midwest! Have you considered moving to Sacramento and look for opportunities with the State? Your skill-set (tech+business) will be in demand here. Plus, your wife might be able to retain her job if her work allows remote work. A lot of people from Sac commute ...
by jay22
Wed Aug 09, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17466

Re: Life at crossroads. What would you do ?

David, you do not have to move to the midwest! Have you considered moving to Sacramento and look for opportunities with the State? Your skill-set (tech+business) will be in demand here. Plus, your wife might be able to retain her job if her work allows remote work. A lot of people from Sac commute t...
by jay22
Tue Aug 08, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15803

Re: Capital One $400 bonus for new checking account

This was a strange one for me. I opened this account with the promo code for me and my wife on 6/28 (not targeted; we are in CA). On 7/6, I made two $251 transfers to both accounts from my Ally account. On 7/9, I made two $251 transfer to both accounts from my CU account $400 was posted to my accou...
by jay22
Tue Aug 01, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1540
Views: 272979

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

AA of 85/15 with 75/25 US/International.

Up 11.2% YTD.
by jay22
Wed Jul 19, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395463

Re: What's Your Credit Card Rewards Strategy?

I am hoping someone here can provide some advise on this: My wife and I (with an infant) want to fly to DC during thanksgiving (targeting 11/21 to 11/25 plus/minus one day). Our credit score is around 780. We both have Chase Freedom, Chase Amazon, Chase IHG, Capital One Quicksilver, and Citi Double ...
by jay22
Wed Jul 19, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15803

Re: Capital One $400 bonus for new checking account

This was a strange one for me. I opened this account with the promo code for me and my wife on 6/28 (not targeted; we are in CA). On 7/6, I made two $251 transfers to both accounts from my Ally account. On 7/9, I made two $251 transfer to both accounts from my CU account $400 was posted to my accoun...
by jay22
Thu Jul 13, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395463

Re: What's Your Credit Card Rewards Strategy?

Citi has a 50K bonus points after a $4K spent. AF is waived for first year. Worth applying for?
by jay22
Tue Jul 11, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 15412

Re: Costco vs. other wholesale clubs

The fact that we know we are getting a high quality product for a fair (not the cheapest!) price keeps us going back to Costco.
by jay22
Tue Jul 11, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395463

Re: What's Your Credit Card Rewards Strategy?

Got approved for the Chase IHG Rewards Club card with 80,000 bonus points. Was able to get it bumped up to 100K after talking to Chase. I think it is worthwhile to keep this card open just for the free anniversary night for $49/year.
by jay22
Sat Jul 08, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 29
Views: 4364

Re: Bank Bonus Master List

Any CA or TX residents here? I am opening a Premier America account and can give a referral for the bonus if someone wants it.

http://www.moneysmylife.com/premier-ame ... ion-bonus/

Please feel free to PM me. Thanks!
by jay22
Fri Jul 07, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15803

Re: Capital One $400 bonus for new checking account

gvsucavie03 wrote:Got this bonus today, not in targeted area, Schwab brokerage acct helped trigger it. Easy $400.
How many days after the DD did it take?
by jay22
Fri Jul 07, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 26956

Re: Capital One 360 $200 bonus

I got my $200 bonus today, too. Took 10 days after the deposit was posted to the account.

Now waiting for the $400 one from the DD to post. :wink:
by jay22
Thu Jul 06, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a credit card/good hotel brand combo
Replies: 20
Views: 1785

Re: Recommendations for a credit card/good hotel brand combo

If both you and your wife signed up for the Chase IHG, you could combine the free anniversary nights you'd each get once a year to stay at a really nice place for a weekend. A good bargain for the $98 in annual fees you'd pay. There are targeted 80,000 IHG point offers for $2k spend out there. What...
by jay22
Thu Jun 29, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Does Jack Bogle have a conundrum on his hands?
Replies: 63
Views: 4765

Re: Does Jack Bogle have a conflict of interest?

Here's another example of this struggle, one that appears in this thread by way of a post from a well-respected Boglehead: simplesauce: Paul Merriman wrote: " Compare the audience for Bogle's recommendations to ours ." Bogleheads can compare Mr. Merriman's " Fund Advice " portfolio HERE. Best wishe...
by jay22
Thu Jun 29, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Does Jack Bogle have a conundrum on his hands?
Replies: 63
Views: 4765

Re: Does Jack Bogle have a conflict of interest?

Here's another example of this struggle, one that appears in this thread by way of a post from a well-respected Boglehead: simplesauce: Paul Merriman wrote: " Compare the audience for Bogle's recommendations to ours ." Bogleheads can compare Mr. Merriman's " Fund Advice " portfolio HERE. Best wishe...
by jay22
Mon Jun 26, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 26956

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: 4556

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: 2270
Views: 395463

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: 2270
Views: 395463

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 (and now $300 checking bonus)
Replies: 217
Views: 26956

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: 2270
Views: 395463

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: 2270
Views: 395463

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: 2825

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: 1540
Views: 272979

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: 1679

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: 1679

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: 92
Views: 12313

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: 9666

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: 499

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: 499

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: 499

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: 6079

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: 6079

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: 6079

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: 1540
Views: 272979

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: 5621

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: 2270
Views: 395463

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: 3186

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: 3186

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: 11116

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: 26215

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: 26215

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: 26215

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/fun ... A%5B%5D%7D

What should I make of it?
by jay22
Mon Sep 12, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 26215

Re: "Factor investing"

Duplicate
by jay22
Sun Sep 11, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 26215

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: 26215

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: 11116

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...