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jysharma

Closed on Friday and disbursed today. State: Northern CA Loan Size: Paid off a good amount to be just below conforming. Term: 15 year Rate: 2.5% no cost. Lender credits adds to ~3600$ and covers all loan origination & title costs except prepaids. Rate locked on June 1st. Originator: rate.com It ...

jysharma

I have (from the same house) all the papers signed from when we first bought the house, and the last refinance we did. I don't see title insurance papers anywhere. Just title insurance costs. Think it's still worth asking Better to give the reissue rate? Or you specifically have to have the documen...

jysharma

Hi, We are an active couple and here is a 10 day itinerary we did in 2013. One of my best vacations ever. 25th Take taxi to hotel. 26th Morning bike ride Tony Knowles Coastal Trail - open 8am Pick up SUV from Avis Rental, 441 B Street, Anchorage & get supplies midday drive from Anchorage to Sewa...

jysharma

I am in the same situation and I have chosen to get the 15 year fixed to get rid of the mortgage as soon as possible BUT increase my equity allocation for the rest of the portfolio so that the overall portfolio still reflects the allocation mix I would like.

jysharma

Hi,
Yes I have it in taxable as my tax free space is already filled.
Also, I have the account at Fidelity.
Thanks

jysharma

Hi, I have 80k$ of FSITX (Fidelity Spartan US Bond Fund) that has lost 3000$. I was thinking of doing TLH with it. Firstly, can I TLH with Bond funds like FSITX? Secondly, If I sell the funds, what would be a similar fund that I can buy that will not be a wash sale. I know how to do this for Stocks ...

jysharma

Just bought 10k of VWO from cash .... I like down days .... I am 32 yrs old ... so its all accumulation right now....
It lowers my avg price of VWO ... always a good thing ...

jysharma

We have been in the same boat. We started looking in early 2012 and were caught in the dramatic increase in spring 2012. I would bid on houses that would sell for 5% more per sqft than the house that sold 2 weeks ago in the same neighborhood, same size. The supply is historically minimal right now. ...

jysharma

Hi,
Take a look at the below website for a in-depth look at safety analysis on cars done by a non profit in Connecticut.
http://www.informedforlife.org/
I found it very informative and plan to use it to determine the safest car I can afford the next time I am in the market.
Yogesh

jysharma

Thank you #cruncher for the CPI-U info. The numbers match up with the distributions roughly without the 3 month wait time. Yes, the 1% real return was optimistic. Thats why I got worried that I didn't understand the TIPS fund when I started getting 1% monthly distributions. A rule I try live by is ....

jysharma

Hi, I was reading the annual report of the barclays ishares TIPS bond fund and I had 2 questions. 1) The fund is worth 20 billion and roughly owns 20 billion worth of US Government TIP bonds. But roughly 20% of the securities are lended out and the 4 billion is invested in short term investements wi...

jysharma

I am getting close to that number! I look at the portfolio occasionally to see when I cross. Started in 2004 at 0 but with some sound advice from this forum, hard work and a good job ... things have gone well. My financial brain realizes that it doesnt mean much as the market has gone higher due to ...

jysharma

Hi, How do you guys suggest I use TIPS in my portfolio as I am only 29 years old. My bond portfolio is basically my holding in FBIDX which makes up 25% of my portfolio. Most of my portfolio is tax deferred. While I do like the idea of getting inflation protection, it seems to me that in my stage of ...

jysharma

Hi,
I am interested in finding out substitute funds etfs for SCZ, IVV and VWO, to do tax loss harvesting without worrying that it could end up being a Wash sale.
I use Fidelity and would prefer to have etfs.

Yogesh

jysharma

Try myp2p.eu
It probably is not legal but I have occasionally used it to get my cricket fix.

jysharma

I am sad

This was such a good card. 2% back on everything and no foreign transaction fee.....
In 8 months I had accumulated 800 dollars!!
But i guess there is no free lunch.
With the demise of this card in the near future ... what is the next best cashback Visa card?

jysharma

I bought the skylink sc 100 home security system about a month ago.
It is quite robust and works like a charm.
Very satisfied.

http://www.amazon.com/Skylink-SC-100-Se ... 853&sr=8-1

jysharma

If so, why not sell them at 25% discount on their own websites and make a nice profit. I think I am missing something here!! Yogesh If the travel providers do the discounting themselves, they won't be able to catch people who don't mind paying full price. If words get out inventory will be sold at ...

jysharma

Harold, I agree that in the situation you mentioned, it worked out great for everyone. But I find it difficult to imagine what value priceline is adding in this scenario. Hotels have a solid online presence, yet they choose to offer the discount through priceline rather than offering it through thei...

jysharma

Hi, While my actual investments follow a staunch boglehead philosophy, I do keep a track of individual stocks from time to time. I recently came across the priceline website's stock (PCLN). Noticing that it has a 293$ share price, i delved a little deeper. I was amazed to see a market cap of 13.35 b...

jysharma

Hi,
Can someone post the appropriate alternatives to the 25 commission free ETFs in Fidelity that have lower expense ratios.
I am curious to know the magnitude of the difference.
Thanks
Yogesh

jysharma

I have got the Fidelity Retirement Rewards Amex Card. It gives 2% on everything and can be used at Costco. The only problem is Amex is not accepted everywhere. So I got the Schwab Signature Visa Card yesterday. Again it gives 2% and with no foreign transaction fee it is a great card. I think with th...

jysharma

Hi, I found this very interesting article about 130/30 Portfolios (130 long/30 short) by Andrew Lo from MIT and Pankaj Patel from Credit Suisse. Link below http://www.alphasimplex.com/pdfs/JPM2008_Final.pdf What I found very interesting was that this is a fundamentally passive index but dynamic in n...

jysharma

Hi,
Just wanted to say thank you to all for the excellent feedback.
I have been craving to buy an entry level DSLR for some time and this article was most opportune.
Did my research in the recommended websites and just ordered the D40 from Amazon.
Thank You
Yogesh

jysharma

Got hit by a train! How about that! Luckily it was a inter city train that was small with only 3 compartments. I was just out of college and had been driving for a year. Waiting to make a left turn at 11pm at night. The green signal turned on which I assumed was the green left turn signal and maybe ...

jysharma

Hi, Gr8 forum. Thank you for all the wonderful advise. I have definitely become a more assured investor in these tough times due to all of you. I have finally raised my income to max out the 401k, Roth and Health Savings account. I already have an emergency fund. So now, I have to start investing in...

jysharma

Sounds like the nigerian scam to me! I had a personal experience with one of these a couple of years ago. Had a very successful relative of mine in a complete conversation with the scammer. My relative is religiously oriented and the scammer (with poor english!) got hold of this information and mani...

jysharma

Bought some more of the S&P500 index today. I divided my dry powder into three equal groups and bought today with the first third. I have no clue if the DOW turns tomorrow or goes on to below 1000 but I do know that my average cost is working its way down. Next entry points if they ever arrive: ...

jysharma

jysharma

I just checked my portfolio and I am down 12% YTD. I am 40/40/20 wrt US/Intl/Bonds with 8% in EM. I am in my twenties .. so I look forward to bad days and readjust my allocation. For example I just bought VWO at 37.19 to increase my EM exposure to 12%. I look at the individial indexes down > 20% and...

jysharma

I just feel that the world will once gain become smaller. Globalization has been the buzz word for the last 60 years! Globalization of manufacturing works only with the inherant assumption of negligible transportation costs. Local buisnesses were wiped out by more efficient operations thousands of m...

jysharma

25 yrs old. Bonds: FBIDX - 20% FNMIX - 8% US: S&P500 Index Fund - 20% VMCIX - 8% VSCIX - 8% Foreign: FDIVX - 10% FSIIX - 10% DLS - 8% VWO - 8% What I like about this portfolio is that in equities, I have 36% in US, 36% in foreign. In bonds, I have 20% in US and 8% emerging market bond. It is wel...

jysharma

Hi, Thak you everyone for all the good advice. With all your comments it is clear to me that either I just use the rest of the 10% of the portfolio 1) to put it in what I have. 2) buy a REIT fund. I will do one of these in the next few days About the hedge fund idea, that was again wall street eatin...

jysharma

Hi Brian, Thank you for a well thought out reply and I appreciate all your comments and agree with all of them logically but reading all these financial "gurus" talk about all these different new sectors sometimes gets you emotionally confused. I relaize that I am 90% done with my AA and a...

jysharma

Hi Paul, Thay you for your reply. The reason for my slightly overweight in foreign stocks is purely because of the continued weakening of the US dollar wrt foreign currencies. I believe that this is fundamental phenomenon that will happen as long as the US continues to have huge debts and the trade ...

jysharma

Hi, I am 25 years old and working for the last three. I have 60k in retirement accounts invested in Index Funds. I am just looking for some advice on my AA as well as some advice on what to do with the uninvested 10%? I am quite open to risk and donot need the money soon. Domestic S&P500 Index F...

jysharma

I was excited last nite when I read that my quest for a low cost International small cap ETF has been fulfilled. I am a young investor who has seen the light of passive investing. The more I read on DLS the more I like. Thank you all for contributing your thoughts in the last few pages. They were VE...

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Re: Refinance Mega Thread

Re: Refinance Mega Thread

Re: Trip to Alaska in August/Sep

Re: Refi 15 vs 30 years and investing rest in FXAIX

Re: How to TLH from Bond Fund

How to TLH from Bond Fund

Re: Things are getting interesting...

Re: SF BayArea - Buy Home or not

Re: How much of a price do you put on vehicle safety?

Lending of securities in ishares TIPS Fund

TLH Substitute Funds

Re: Priceline.com business model

Priceline.com business model

130/30 Indexing - The new Long Only Strategy

taxable vs non-taxable accounts

mt portfolio

AA for 25 yrs old! Please help

Excited but concerned!!