Search found 31 matches

by isubrama
Tue Nov 17, 2020 12:03 pm
Forum: Personal Investments
Topic: Individual Stock Portfolio Experiment Using Berkshire Hathaway 13Fs
Replies: 14
Views: 944

Re: Individual Stock Portfolio Experiment Using Berkshire Hathaway 13Fs

This is fairly straightforward to backtest. Do you know how the results would have looked if you had done this over the last few years? I don't have the software savvy to do a backtest so I don't know how the results would have looked over the last few years. Is there free software that would allow...
by isubrama
Fri Nov 13, 2020 11:26 am
Forum: Personal Investments
Topic: New to HSA investing. What happens if cash dips below $1K (HSA Bank/TD Ameritrade)?
Replies: 21
Views: 1807

Re: New to HSA investing. What happens if cash dips below $1K (HSA Bank/TD Ameritrade)?

2020 was our first year with an hsa but for various reasons it didn't make sense to bother investing (bad estimation of our family expenses mostly). Now that we're at the end of the year and it's enrollment time, I opened a linked investment account (TD Ameritrade) via the HSA Bank website. The rul...
by isubrama
Tue Oct 20, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Looking for a three row SUV; $90k budget
Replies: 108
Views: 8217

Re: Looking for a three row SUV; $90k budget

A $90k budget could buy two SUVs with two rows each, that would be four rows in total. Does not solve my problem of toddlers crying inconsolably in the back. Based on my own experience of having 2 boys, 11 and 5, kids grow very quickly. Toddlers should not *only* be the reason for the decision, IMHO.
by isubrama
Wed Sep 23, 2020 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569569

Re: Refinance Mega Thread

Can someone explain the cash to close section for a refinance? Loan amount = $500,000 Total closing costs (J) = $3000 Estimated total payoffs and payments = -$502,000 Estimate cash to close TO borrower = $1000 If my current mortgage statement has a up to date payoff balance of $495,000 (since I've ...
by isubrama
Sat Sep 12, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569569

Re: Refinance Mega Thread

coconutpolito wrote: Fri Sep 11, 2020 1:25 am
easye418 wrote: Thu Sep 10, 2020 1:45 pm you guys are getting great rates.

In TX, LTV 78%, 2.875% 30 year, with a $2800 lender credit.
I was just offered a 30 yr for 2.5% (no closing costs) or a 25 yr loan for 2.625 (no closing costs). I'm in SoCal.
I'm in NorCal. Could you please DM the lender ?
by isubrama
Mon Aug 31, 2020 5:51 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6805
Views: 655376

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

The point of TMF is not its returns, especially since its expense ratio is 1.05%, which will greatly erode the pitiful current yield from LTT. Rather, the point is to provide a counter-balancing effect for 3x leveraged stocks (i.e. UPRO). Are you still employing 80/20 UPRO/TMF at 25% target volatil...
by isubrama
Fri Aug 28, 2020 5:45 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 590
Views: 63685

Re: Why not 100% PSLDX?

Fed has been trying to spark inflation for many years. It has not been very successful. Now it is targeting 2-3% inflation. If this affects bond prices and PSLDX, if at all, will be two step process 1. Inflation has to go beyond the target Fed has set. 2. Fed has to increase interest rate in respon...
by isubrama
Wed Aug 26, 2020 12:08 pm
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 87
Views: 12937

Re: Suggestions for 100x moonshots

TechGuy365 wrote: Wed Aug 26, 2020 7:33 am Get in on Palantir before IPO.
How to do that ? Appreciate any pointers. Thanks.
by isubrama
Thu Aug 06, 2020 2:37 pm
Forum: Personal Investments
Topic: Thanks Bogleheads - Mega Backdoor Roth FTW
Replies: 29
Views: 3871

Re: Thanks Bogleheads - Mega Backdoor Roth FTW

My wife just submitted the form (for the first time) to do "in-plan" rollover at Empower. Does it become part of Roth 401k account ? Thanks. You bumped a 2-year old thread, it would have been better if you started a new thread (and perhaps linked the URL of this thread). That said, though...
by isubrama
Thu Aug 06, 2020 11:48 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6805
Views: 655376

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Regarding the question "how much more return does TMF have with interest rates so low?", I'll point out a few things: This was a concern when this thread first started and TMF has returned 64% over the last year. Interest rates have been falling for a long time (hundreds of years if you g...
by isubrama
Mon Aug 03, 2020 4:39 pm
Forum: Personal Investments
Topic: Thanks Bogleheads - Mega Backdoor Roth FTW
Replies: 29
Views: 3871

Re: Thanks Bogleheads - Mega Backdoor Roth FTW

For those interested, my provider is Empower - they aren't my favorite mostly because I don't like the layout of their website. But I do have reasonable choices in my plan (vanguard index funds) I did an "in-plan" rollover, because the paperwork was very simple - it consisted of answering...
by isubrama
Wed Jul 29, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6805
Views: 655376

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

vijaym73 wrote: Tue Jul 28, 2020 9:32 pm I am doing this at 60/40 — TQQQ/TMF with quarterly rebalancing.

Thx

VJ
How is your portfolio doing so far, compared to UPRO/TMF 55/45 ? What is the rational behind TQQQ/TMF 60/40 ?
by isubrama
Mon Jul 13, 2020 4:48 pm
Forum: Personal Investments
Topic: IRA to 401k Reverse rollover
Replies: 20
Views: 1551

Re: IRA to 401k Reverse rollover

I'm attempting to run this process myself and have run into a brick wall actually initiating the process. My 401k custodian's form suggests calling the IRA provider (Vanguard) to obtain a check made out to the custodian with account information included on the check. Vanguard's website suggests the...
by isubrama
Sun Jul 12, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 590
Views: 63685

Re: Why not 100% PSLDX?

For those of us looking for a better place to buy into PSLDX yearly, it seems like FirsTrade and E*Trade both offer no minimum balance requirements and ~$20 purchase fees for this fund. Vanguard had a $25,000 minimum and a $50 purchase fee. (edited, see below) edit: I rechecked Vanguard, and it loo...
by isubrama
Fri Jul 10, 2020 11:04 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 590
Views: 63685

Re: Why not 100% PSLDX?

TeeDee wrote: Fri Jul 10, 2020 10:44 am I’ve been accumulating and transferring my PSLDX at Firstrade.

No commission and $500 initial minimum. $100 min subsequently
PSLDX is not listed on the list,
https://www.firstrade.com/content/en-us ... mutualfund

How are you buying ?
by isubrama
Wed Jul 01, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569569

Re: Refinance Mega Thread

Feedback requested: Personal home in Bay Area; Value ~ 1.8M, currently on a 30 year fixed mortgage 3.625%, 700K balance. Should I refinance or do a rate modification? 5 years into current mortgage, although the bank only agreed to shave off .125% bringing the new rate to 3.50% owning straight away ...
by isubrama
Fri Jun 26, 2020 9:39 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6805
Views: 655376

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

guyinlaw wrote: Fri Jun 26, 2020 9:32 pm Hope all of you know that HEDGEFUNDIE said he was holding PSLDX in ~50% of his portfolio. So people who are interested in UPRO/TMF should consider PSLDX is IRA account.
I believe he mentioned, PSLDX is his core holding on tax advantaged accounts.
by isubrama
Mon Jun 22, 2020 5:39 pm
Forum: Personal Investments
Topic: Mortgage refinance
Replies: 43
Views: 5745

Re: Mortgage refinance

LAGirl2018 wrote: Mon Jun 22, 2020 5:24 pm Thanks for the quick response. Owning does not offer any Jumbo loans currently and Better does not offer a lower rate than what we currently have. Was hoping for some sort of unicorn :)
some one mentioned in one of the other threads, is that they got better rate by calling.
by isubrama
Sun Jun 21, 2020 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP
Replies: 19
Views: 1873

Re: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP

A 2019 HSA Bank fee increase applies to mutual fund investments made through the Devenir platform: Received from HSA Bank on June 26, 2019: >>To help you reach your unique Health Savings Accounts (HSA) investment goals, we are excited to announce changes to the Devenir HSA Investment Program effect...
by isubrama
Sun Jun 21, 2020 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP
Replies: 19
Views: 1873

Re: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP

A 2019 HSA Bank fee increase applies to mutual fund investments made through the Devenir platform: Received from HSA Bank on June 26, 2019: >>To help you reach your unique Health Savings Accounts (HSA) investment goals, we are excited to announce changes to the Devenir HSA Investment Program effect...
by isubrama
Tue Jun 16, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pl post good 15 year Mortgage rates
Replies: 11
Views: 1466

Re: Pl post good 15 year Mortgage rates

I saw this on the other refinance thread.
viewtopic.php?f=2&t=289559&start=1900#p5315559
2.25% for 15 years!
by isubrama
Thu Jun 11, 2020 2:40 pm
Forum: Personal Investments
Topic: Google-like stock tracking?
Replies: 7
Views: 431

Re: Google-like stock tracking?

How about: https://www.google.com/finance , and add your stocks to your Watchlist? (This works for me.) :beer Yeah this is much simpler/easier, and with google collecting all the data on searches I do, all stocks I look into are already in my watchlist :sharebeer You can try https://finance.yahoo.c...
by isubrama
Tue Jun 09, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1093
Views: 126503

Re: [Fidelity Health Savings Account Mega-Thread]

I just retired and transferred my employer's HSA from PNC Bank to Fidelity. I filled out the Transfer of Assets form and attached a copy of the latest statement. No Medallion signature is needed. The time from mailing the form to the funds showing in the account was less than 2 weeks. I was impress...
by isubrama
Mon Jun 01, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 341
Views: 41555

Re: How much is your cell phone bill?

Mint Mobile annual plan. Each line $20 a month (unlimited talk & text, 8 GB of data a month) on an annual plan. With taxes comes to around $268 per line annually. They have other plans with more or less data. A great value if Tmobile service works fo you. These rates for individual lines are be...
by isubrama
Sun May 24, 2020 8:50 pm
Forum: Personal Investments
Topic: Time until money doubles
Replies: 26
Views: 2715

Re: Time until money doubles

stocknoob4111 wrote: Sun May 24, 2020 8:41 pm The projection going forward is about 3% return on stocks and zero on bonds so effective growth at 2.55% using rule of 72 would give you around 29 years or so for your money to double.
does it include dividend reinvestment ?
by isubrama
Tue May 19, 2020 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: investmenting books
Replies: 28
Views: 1707

Re: investmenting books

Another good book is, https://www.amazon.com/Simple-Path-Wealth-financial-independence-ebook/dp/B01H97OQY2/ref=reads_cwrtbar_2/131-4370728-7506032?_encoding=UTF8&pd_rd_i=B01H97OQY2&pd_rd_r=318422d5-9476-4383-81ca-ed78208be521&pd_rd_w=WXY54&pd_rd_wg=4qrMg&pf_rd_p=f7e50e46-03c7-4ed...
by isubrama
Tue May 12, 2020 11:41 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 590
Views: 63685

Re: Why not 100% PSLDX?

Does anyone know of any funds similar to PSLDX that are easy to buy with lower minimums" I like hedfundie's strategy, but I don't like using the leverage products. I would prefer a fund similar to NTSX that achieves it using futures. NTSX is great, but it is more conservative than PSLDX. You c...
by isubrama
Sun May 10, 2020 11:24 pm
Forum: Investing - Theory, News & General
Topic: Can't believe how ridiculously expensive Shopify is [Stock]
Replies: 66
Views: 5304

Re: Can't believe how ridiculously expensive Shopify is [Stock]

If you think Shopify is unjustifiably expensive, you should check out Twilio Twilio's revenue growth is even higher than Shopify's but its P/S is much lower. What metric are you using? Are you telling us to go all-in on Twilio? lol that's exactly what I'm saying. If only we'd had this conversation ...
by isubrama
Sat May 02, 2020 4:18 pm
Forum: Investing - Theory, News & General
Topic: HSA with HSA Bank/TDA ?
Replies: 11
Views: 860

Re: HSA with HSA Bank/TDA ?

I have one through my current employer. The moment my total holdings crossed $1000, I was able to set up a TDA account and set an auto transfer to so all but $100 to the TDA account. No fees yet, not any disclosed in the docs. I would not keep this account after leaving an employer but would roll o...
by isubrama
Tue Apr 21, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Air Purifier
Replies: 23
Views: 1454

Re: Air Purifier

GS wrote: Tue Apr 21, 2020 11:49 am Can anyone recommend a brand and/or model of air purifier that they use and like?
https://winixamerica.com/product/c535/
You can get it for $100 or less, if you look for sale.

Pros:
- Relatively larger filter
- Very quiet
- Energy efficient
by isubrama
Sun Apr 12, 2020 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569569

Re: Refinance Mega Thread

I've been following this thread closely over the past few months, and just want to thank those of you who recommended Northpointe Bank. We were about to go forward with a 2.625% 15 year fixed with our local credit union with no lender credits and no appraisal waiver, but instead got a much better o...