Search found 314 matches

by jainn
Wed Jan 29, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 508
Views: 48952

Re: JPM Chase Reserve Card gets more expensive

My typical redemption is 60k miles in United Economy for trans-Atlantic round-trip flights. In the past, I was paying anywhere from $1,200 to $2,000 for these flights. Thus, my redemption is at least 2c/mile. It's possible that the revenue-based redemption may require me to use more miles for these...
by jainn
Wed Jan 29, 2020 9:50 am
Forum: Forum Issues and Administration
Topic: Cancel out of "Post Reply"
Replies: 3
Views: 634

Re: Cancel out of "Post Reply"

Click the back button on your browser?
by jainn
Tue Jan 28, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: considering buying a condo in scottsdale
Replies: 9
Views: 932

Re: considering buying a condo in scottsdale

I recommend not buying a 600k condo in Scottsdale. With the context provided, I recommend renting a nice condo. I googled for scottsdale condo lease and found a website called hotpads, similar to other real estate sites I imagine. https://hotpads.com/scottsdale-az/condos-for-rent?lat=33.6686&lon...
by jainn
Mon Jan 27, 2020 12:35 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Does Recommend The 90/10 Portfolio
Replies: 109
Views: 18172

Re: Warren Buffett Does Recommend The 90/10 Portfolio

yes he says at the 5:30 minute mark, if an investor has a house with no mortgage, and is retired, with a million dollar portfolio, he could have no cash, and at the 6:00 minute mark, spend the 30k in dividends from the all stock portfolio. https://www.youtube.com/watch?v=SEZwkbliJr8&feature=yout...
by jainn
Sun Jan 26, 2020 11:49 pm
Forum: Investing - Theory, News & General
Topic: Permanent losses possible in US stocks?
Replies: 37
Views: 3091

Re: Permanent losses possible in US stocks?

None of the things you've talked about is a "permanent loss". "Permanent loss" doesn't mean "it took a long time to recover". The only way for a permanent loss to occur in a national stock market is for the entire market to shut down, as happened in China and Russia. I...
by jainn
Sun Sep 29, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3828

Re: Salt-Free Water Softeners

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by jainn
Sun Sep 29, 2019 6:57 pm
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 168
Views: 18922

Re: SWAN ETF - 10% Leaps / 90% Treasuries

SWAN etf appears to perform roughly same over past 1/3/6/12month and YTD as VG Wellington or Balanced Index. VWENX/VBIAX
by jainn
Sun Sep 29, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3828

Re: Salt-Free Water Softeners

on the plumbing site terrylove.com, this is the most recommended and accurate hardness test. Very easy to use too.

Hach 145300 Total Hardness Test Kit, Model 5-B https://www.amazon.com/dp/B008FM7WLU/re ... KDbPGNBHH6
by jainn
Sun Sep 29, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3828

Re: Salt-Free Water Softeners

There are companies and people you can pay to deliver and put the salt you want into your softener each month if needed. Don't hurt yourself. Yes, Culligan will deliver but unless I give them a key to the house they will have to leave the bags outside. Perhaps I can come up with some water-tight pl...
by jainn
Sun Sep 29, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3828

Re: Salt-Free Water Softeners

There are companies and people you can pay to deliver and put the salt you want into your softener each month if needed. Don't hurt yourself.
by jainn
Tue Sep 24, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3996

Re: Uber - first time user - will I get picked up

I've never used Uber before. Tomorrow morning I need to go the airport. The price differential is irrelevant. I'm interested in using the technology but a bit apprehensive. Thanks. is uber black available when you open the app? choose that! professional licensed driver. https://www.uber.com/us/en/r...
by jainn
Tue Apr 30, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 455
Views: 77162

Re: Vanguard Municipal Money Market VMSXX 1.39%

I see the muni market fund VMSXX SEC yield is 2.01% today and the intermediate VWIUX is 2.11%. All our bonds in our taxable account are in the intermediate. If the majority of total return from the bonds is interest payments, the VWIUX distribution payments are 2.82%, I guess I shouldn’t compare onl...
by jainn
Tue Apr 23, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 5479

Re: At what age did you buy your first first class airplane ticket?

We fly about 7x/year (4 domestic / 3 international). We don't like economy or business class. We can't afford full or partial private jet ownership and fly on private jets (i.e. NetJets), so we pay cash (no miles/points), and buy first class on every flight that offers it. It's cheaper than flying o...
by jainn
Mon Apr 22, 2019 4:12 pm
Forum: Personal Investments
Topic: Need to sleep at night...Must rebalance!
Replies: 23
Views: 3751

Re: Need to sleep at night...Must rebalance!

Here is what I would do based on the information provided... 1. Transfer $700,000 from credit union to Vanguard Brokerage. Deposit into existing Vanguard Muni MM (VMSXX) 2. Move 1.33m VMSXX to VWSUX (Short Term Muni Fund Avoids AMT) has 1.0 year duration 3. Move 1.33m VMSXX to VCLAX (Cali Muni Fund ...
by jainn
Thu Apr 18, 2019 8:40 am
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 126
Views: 14555

Re: Does 100% stocks make sense for very high net worth individuals

Two articles/opinion posts in response to the David Levine article.

“Why a 100% stock portfolio can ruin your retirement”

https://www.marketwatch.com/story/why-a ... 2016-03-22

https://thereformedbroker.com/2016/02/1 ... ng-stocks/
by jainn
Tue Apr 02, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: 11-year old with iPhone - advice on how best to manage?
Replies: 68
Views: 5551

Re: 11-year old with iPhone - advice on how best to manage?

Also institute a phone check policy, at any time you can say phone check and they hand you the phone and give you the unlock code. We also require them to tell us their unlock codes in advance and our finger prints / faces are added to the biometric unlock so we can unlock them at will. No computin...
by jainn
Tue Apr 02, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: 11-year old with iPhone - advice on how best to manage?
Replies: 68
Views: 5551

Re: 11-year old with iPhone - advice on how best to manage?

IOS has exceptionall parentel controls called restrictions. You can configure it so they have a time limit, can't install apps without permissions, you can also configure it so they can't use built in apps such as safari, or even remove the app store all together. I also suggest disabling in app pu...
by jainn
Tue Mar 26, 2019 1:42 pm
Forum: Personal Investments
Topic: Tax Exempt Bonds as a Diversifier?
Replies: 41
Views: 2573

Re: Tax Exempt Bonds as a Diversifier?

Another article on the diversification benefits of bonds including tax-exempt bonds. Why fixed income? 4 roles your bond portfolio should play https://www.thecapitalideas.com/articles/why-fixed-income?cid=sm_pd_tw_fi-4_asr_fi_538251459 Municipal bonds:great expectations for 2019 https://www.blackroc...
by jainn
Sat Mar 23, 2019 5:51 pm
Forum: Personal Investments
Topic: Tax Exempt Bonds as a Diversifier?
Replies: 41
Views: 2573

Re: Tax Exempt Bonds as a Diversifier?

Some literature on municipal bond funds correlation to equities. https://www.franklintempleton.com/forms-literature/download/MUNI-FL https://www.vaneck.com/portfolio-diversification-with-municipal-bonds/ https://www.nuveen.com/the-case-for-investing-in-united-states-municipal-bonds https://www.gurti...
by jainn
Sun Mar 10, 2019 1:05 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use a 40% allocation to International in their Balanced Funds?
Replies: 60
Views: 9288

Re: Why does Vanguard use a 40% allocation to International in their Balanced Funds?

All this suggests relative valuations do not currently favor one country or region's stock market over another when seeking value. We favor asset allocations across borders in line with their strategic weightings in U.S. and international stock markets which mirror the weights in the broad indexes....
by jainn
Mon Mar 04, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use a 40% allocation to International in their Balanced Funds?
Replies: 60
Views: 9288

Re: Why does Vanguard use a 40% allocation to International in their Balanced Funds?

Combination of market weight (which is 50ish) snd optimal diversification based on historical returns and correlations. FYI, the domestic/international spit is either dead or dying. Almost any way you slice the market “region” has a low and falling power. “Sector” has a higher power. Could you expo...
by jainn
Sun Feb 24, 2019 7:44 am
Forum: Personal Investments
Topic: I'm essentially market timing, but can't bring myself to stop.
Replies: 71
Views: 7279

Re: I'm essentially market timing, but can't bring myself to stop.

Perhaps you and your wife can read articles and research written for individuals holding a large percentage of their assets in a single stock. https://blog.alliancebernstein.com/post/bernstein/2017/10/whats-your-goal-in-reducing-single-stock-risk http://www.alliancebernstein.com/Research-Publication...
by jainn
Tue Jan 15, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19874

Re: Are You Dumping Netflix?

Netflix announced today that they will be increasing their subscription rates. The basic plan will increase 12.5% (from $7.99 to $8.99). The standard plan will increase 18.2% (from $10.99 to 12.99). The top-tier plan will increase 14.3% (from $13.99 to $15.99). We have been considering getting a fi...
by jainn
Sun Jan 13, 2019 11:50 pm
Forum: Personal Consumer Issues
Topic: Fantastic Resort Recommendations???
Replies: 38
Views: 4727

Re: Fantastic Resort Recommendations???

. . . .
by jainn
Sun Jan 13, 2019 9:41 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 14553

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

A country's equity market is just a collection of individual sectors. Sectors are just collections of individual stocks. These are, after all, all just collections of stocks. Global market cap indexing is the logical choice. Agree - although we feel more comfortable at 70% US and 30% INTL. https://...
by jainn
Sat Jan 12, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 42
Views: 6162

Re: How to buy business class tickets?

. . . .
by jainn
Sat Jan 12, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 42
Views: 6162

Re: How to buy business class tickets?

What's the origin and destination? Also, international first and business class are whole different animals. Large US to large Europe (e.g., JFK-LHR, ORD-LHR) have a ton of business class seats, sometimes close to 100. While they typically have 10-15 first class seats. I have flown those routes wit...
by jainn
Sat Jan 12, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 42
Views: 6162

Re: How to buy business class tickets?

. . . .
by jainn
Sat Jan 12, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 42
Views: 6162

Re: How to buy business class tickets?

. . . .
by jainn
Sat Dec 22, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Employer asking me to move my brokerage account
Replies: 30
Views: 3628

Re: Employer asking me to move my brokerage account

Just curious...how would they have access to your personal financial transactions or knowledge of accounts you are in possession? They do not have access to your 1040 do they, as a mortgage company would when applying for a loan, etc? I’ve always wondered about this when I’ve seen the topic come up ...
by jainn
Thu Dec 20, 2018 12:20 pm
Forum: Personal Investments
Topic: When is VTI Ex-Divident Date?
Replies: 3
Views: 504

Re: When is VTI Ex-Divident Date?

If I want to TLH (tax lost harvest), from VTSAX (Total US) to VFIAX (SP500), and I TLH exchanging funds today , will I also avoid the VTSAX dividend too? I see the VFIAX paid its 4th quarter dividend already, so that will save me some taxes this year in addition to the TLH idea... The PDF says for V...
by jainn
Fri Dec 14, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 ETF versus total stock index ETF
Replies: 10
Views: 2760

Re: S&P 500 ETF versus total stock index ETF

1. Slightly reduced taxes in a taxable account if holding SP500, 100% qualified dividends, compared to Total US Stock with 95% qualified dividends... http://vanguard.com/pdf/RET891511_122018_final.pdf 2. Same return over the past 16 years... https://www.portfoliovisualizer.com/backtest-portfolio?s=y...
by jainn
Tue Dec 11, 2018 11:19 pm
Forum: Investing - Theory, News & General
Topic: VG ETF ? ... VT not = VTI+VXUS
Replies: 8
Views: 812

Re: VG ETF ? ... VT not = VTI+VXUS

Looking at the mutual funds after the close:

US -0.08%
INTL -0.05%
WORLD -0.06%

It looks like NAV math adds up. The ETFs are unique.
Thanks!