Search found 37 matches

by jysharma
Mon Jul 20, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708098

Re: Refinance Mega Thread

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 ...
by jysharma
Mon Jun 22, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708098

Re: Refinance Mega Thread

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...
by jysharma
Mon Jun 08, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Trip to Alaska in August/Sep
Replies: 17
Views: 1770

Re: Trip to Alaska in August/Sep

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...
by jysharma
Mon May 25, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refi 15 vs 30 years and investing rest in FXAIX
Replies: 4
Views: 608

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

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.
by jysharma
Mon Jul 01, 2013 9:59 am
Forum: Personal Investments
Topic: How to TLH from Bond Fund
Replies: 4
Views: 573

Re: How to TLH from Bond Fund

Hi,
Yes I have it in taxable as my tax free space is already filled.
Also, I have the account at Fidelity.
Thanks
by jysharma
Sun Jun 30, 2013 10:13 pm
Forum: Personal Investments
Topic: How to TLH from Bond Fund
Replies: 4
Views: 573

How to TLH from Bond Fund

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 ...
by jysharma
Thu Jun 20, 2013 2:39 pm
Forum: Personal Investments
Topic: Things are getting interesting...
Replies: 12
Views: 2281

Re: Things are getting interesting...

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 ...
by jysharma
Mon May 13, 2013 11:25 am
Forum: Personal Finance (Not Investing)
Topic: SF BayArea - Buy Home or not
Replies: 45
Views: 3907

Re: SF BayArea - Buy Home or not

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. ...
by jysharma
Sun Mar 10, 2013 8:56 pm
Forum: Personal Consumer Issues
Topic: How much of a price do you put on vehicle safety?
Replies: 83
Views: 4354

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

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
by jysharma
Sun Jul 17, 2011 11:02 pm
Forum: Investing - Theory, News & General
Topic: Lending of securities in ishares TIPS Fund
Replies: 2
Views: 646

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 ....
by jysharma
Sun Jul 17, 2011 9:38 pm
Forum: Investing - Theory, News & General
Topic: Lending of securities in ishares TIPS Fund
Replies: 2
Views: 646

Lending of securities in ishares TIPS Fund

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...
by jysharma
Thu Apr 28, 2011 7:37 pm
Forum: Personal Investments
Topic: My investment success
Replies: 88
Views: 14254

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 ...
by jysharma
Mon Apr 04, 2011 7:18 pm
Forum: Investing - Theory, News & General
Topic: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation
Replies: 172
Views: 53213

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 ...
by jysharma
Mon Mar 14, 2011 4:58 pm
Forum: Investing - Theory, News & General
Topic: TLH Substitute Funds
Replies: 1
Views: 382

TLH Substitute Funds

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
by jysharma
Mon Feb 07, 2011 6:28 pm
Forum: Personal Consumer Issues
Topic: Cricket World Cup & English Premier League Football
Replies: 5
Views: 1171

Try myp2p.eu
It probably is not legal but I have occasionally used it to get my cricket fix.
by jysharma
Wed Sep 15, 2010 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab Bank will no longer sponsor credit cards
Replies: 138
Views: 26536

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?
by jysharma
Wed Aug 25, 2010 5:21 pm
Forum: Personal Consumer Issues
Topic: Home Alarm recommendations?
Replies: 24
Views: 3301

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
by jysharma
Thu Aug 05, 2010 10:40 am
Forum: Investing - Theory, News & General
Topic: Priceline.com business model
Replies: 15
Views: 2086

Re: Priceline.com business model

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 ...
by jysharma
Wed Aug 04, 2010 8:23 pm
Forum: Investing - Theory, News & General
Topic: Priceline.com business model
Replies: 15
Views: 2086

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...
by jysharma
Wed Aug 04, 2010 7:50 pm
Forum: Investing - Theory, News & General
Topic: Priceline.com business model
Replies: 15
Views: 2086

Priceline.com business model

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...
by jysharma
Mon Feb 08, 2010 5:33 pm
Forum: Investing - Theory, News & General
Topic: Free iShares ETF trades at Fidelity
Replies: 13
Views: 8096

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
by jysharma
Fri Nov 13, 2009 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Need new cash back credit card, Chase changed rewards.
Replies: 14
Views: 3435

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...
by jysharma
Wed Oct 21, 2009 5:30 pm
Forum: Investing - Theory, News & General
Topic: 130/30 Indexing - The new Long Only Strategy
Replies: 4
Views: 1357

130/30 Indexing - The new Long Only Strategy

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...
by jysharma
Tue Oct 06, 2009 6:34 pm
Forum: Personal Consumer Issues
Topic: Good entry-level DSLR?
Replies: 51
Views: 8277

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
by jysharma
Mon Jul 27, 2009 11:49 pm
Forum: Personal Consumer Issues
Topic: Your Moment of Greatest Danger
Replies: 60
Views: 9603

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 ...
by jysharma
Wed Jul 08, 2009 6:27 pm
Forum: Investing - Theory, News & General
Topic: taxable vs non-taxable accounts
Replies: 1
Views: 792

taxable vs non-taxable accounts

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...
by jysharma
Sun Apr 19, 2009 2:07 pm
Forum: Personal Investments
Topic: unique international situation retired at 32 what allocation
Replies: 28
Views: 4786

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...
by jysharma
Thu Mar 05, 2009 4:12 pm
Forum: Investing - Theory, News & General
Topic: Still buying
Replies: 127
Views: 22773

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: ...
by jysharma
Fri Jan 02, 2009 7:13 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2009 BOGLEHEADS CONTEST
Replies: 296
Views: 49620

1100
by jysharma
Fri Sep 05, 2008 3:08 pm
Forum: Investing - Theory, News & General
Topic: How much are you down?
Replies: 102
Views: 19128

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...
by jysharma
Sun Jun 29, 2008 11:52 am
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 22622

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...
by jysharma
Wed Oct 31, 2007 8:36 pm
Forum: Personal Investments
Topic: What's YOUR portfolio
Replies: 77
Views: 24103

mt portfolio

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...
by jysharma
Fri Apr 27, 2007 2:19 pm
Forum: Personal Investments
Topic: AA for 25 yrs old! Please help
Replies: 9
Views: 2636

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...
by jysharma
Thu Apr 26, 2007 12:57 pm
Forum: Personal Investments
Topic: AA for 25 yrs old! Please help
Replies: 9
Views: 2636

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...
by jysharma
Wed Apr 25, 2007 9:22 pm
Forum: Personal Investments
Topic: AA for 25 yrs old! Please help
Replies: 9
Views: 2636

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 ...
by jysharma
Wed Apr 25, 2007 8:03 pm
Forum: Personal Investments
Topic: AA for 25 yrs old! Please help
Replies: 9
Views: 2636

AA for 25 yrs old! Please help

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...
by jysharma
Tue Apr 17, 2007 6:34 pm
Forum: Personal Investments
Topic: Substitute for Vanguards International Explorer Fund
Replies: 27
Views: 10778

Excited but concerned!!

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...