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Re: Federal Taxes - Sticker Shock (And how to reduce)

OP's non-working spouse is definitely eligible for a deductible IRA contribution. They're tens of thousands of dollars under the phaseout. OP's federal marginal rate is high: 32.5% Homework assignment: why is the OP's federal marginal rate 32.5%? Hint: the OP can reduce his marginal rate by making ...
by ray.james
Fri Dec 19, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 47
Views: 3210

Re: Vanguard's International Small Cap Fund -ETF vs Mutual F

Also Beware of spreads on the ETF class. On RBD it will the less at 0.05% and on RGD it can be as much as 1% difference from the actual value of the assets underneath. In my experience, as trading volume increases, the spread decrease. Bottom line it is 2$ difference on 1K, so I decided not to bothe...
by ray.james
Thu Dec 18, 2014 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's International Small Cap Fund -ETF vs Mutual Fund
Replies: 17
Views: 1929

Re: RBD in Emerging Markets Brewing

so are east and southern Europe which make another 20%. I don't think this is right. What countries are you including here? sorry I put it wrong. I meant East Asian and southern Europe. 6% - Poland, Turkey, Czetch, croatia etc. Asia pacific countries make another 15% which are heavy consumers of oi...
by ray.james
Mon Dec 15, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 37
Views: 3427

Re: RBD in Emerging Markets Brewing

The currency markets were crazy today. In reality internationals and emerging have lost only 0.5% last night in their own exchanges. Something tells me, emerging markets will pull back strongly next year, since only 15% of its index depend on oil with Russia, Nigeria and UAE being the players. For C...
by ray.james
Mon Dec 15, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 37
Views: 3427

Re: Why So Many Used Prius for Sale?

Another factor of which I have become aware is the car leasing thing. Not sure how it works in the US but in the UK it appears everyone now leases (new car buyers). Therefore the 'cost' of the car to them is the 200-500 pounds a month, say, of the 4-5 year lease, at which point they 'trade in' the ...
by ray.james
Mon Dec 08, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 6831

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I think it is wrong to correlate that US companies deriving revenue from international is same as diversified across countries. The same can be argued from roman empire merchants, Chinese silk roads to present day Japan. In case of Japan, their economy is almost 70% exports, >50% revenue from across...
by ray.james
Mon Dec 08, 2014 4:26 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11318

Re: Strong Dollar Clobbers Returns of Foreign-Stock Funds

As a holder of these, I'm not really seeing a buying opportunity at this point, even though the returns have been less than expected due to currency fluctuations. I'm not rebalancing into international. Can you explain why you do not consider these not a buying opportunity? Is it because that are n...
by ray.james
Wed Dec 03, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: Strong Dollar Clobbers Returns of Foreign-Stock Funds
Replies: 26
Views: 2661

Re: lending club

Are the losses considered capital/business losses?

I am presuming the profits are taxed at marginal rates and no capital gains rates apply, since these are not considered passive investments.
by ray.james
Wed Dec 03, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 3945

Re: International Stock Diversification — A New Look

+1. This post in 3 years had the most significant impact on the way I am thinking of my stock allocation. My IPS had to add an additional 5-10% EM. I haven't done that, since any slice I plan to have must be atleast 50k. I am not interested in slicing and dicing for smaller amounts. However if the g...
by ray.james
Mon Dec 01, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 7675

Re: California Savings Plus 401k Target Date Funds

It is indeed international heavy, for an target date fund. 50:50

Also I think they have 1 active and 1 passive for every category. Having 2 tips and 2 bond funds is quite funny. What is the expense ratio charged for this?
by ray.james
Mon Nov 24, 2014 2:59 am
 
Forum: Investing - Help with Personal Investments
Topic: California Savings Plus 401k Target Date Funds
Replies: 8
Views: 764

Re: FSA gains $500 rollover feature

I was talking to HR at my company. The way the end company implemented it, the 500$ rollover is only for 1 year. So if I do not use the money at all, it doesn't rollover again. Just thought people might mistake the way rollover happens.
by ray.james
Mon Nov 17, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 42
Views: 3742

Re: 27 yr old reaches $1m net worth

You know the part that disturbs me: The initial story stated that he beganinvesting early after watching his parents mismanage money. Now we find out that his parents were the ones that gave him his inheritance. And that they died a couple of years ago. What a horrible way to dishonor your parents ...
by ray.james
Mon Nov 17, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 11721

Re: International Stock Diversification — A New Look

Larry/simplegift

Is there any research on currency fluctuations impact?

All currencies seems to be strongly correlated and go u/Down together against dollar.
by ray.james
Wed Nov 12, 2014 3:47 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 7675

Re: International Stock Diversification — A New Look

This is a very interesting post. Really makes me question my allocation. I use 50%/50%.
I would hope/expect that US revenue impact is atleast 40%; going by matketcap distribution of USA among total invest-able market :?
by ray.james
Mon Nov 10, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 7675

Re: International Stock Index Potential

The clues are in dollar index Dow Jones FXCM Dollar Index. Because of currency strength, the gains in international are dwarfed. Also, this impacts large vs small cap inversely. Small caps rely more on local currency sales. Explain the VSS relative performance to total international. Apples to oran...
by ray.james
Sat Nov 08, 2014 5:49 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 17
Views: 1694

Re: International Stock Index Potential

The clues are in dollar index Dow Jones FXCM Dollar Index.

Because of currency strength, the gains in international are dwarfed. Also, this impacts large vs small cap inversely. Small caps rely more on local currency sales. Explain the VSS relative performance to total international.
by ray.james
Fri Nov 07, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 17
Views: 1694

Re: Estimating Future Investment Returns — On a Napkin

Wonderful thread simplegift. Thank you. Since this is my first decade of accumulation, it helps emotionally to expect less. 1) The dividend yield is independent of the earnings growth. When the dividend yield is down, it means growth is down. 2) The dividend yield and earnings growth numbers are ind...
by ray.james
Thu Nov 06, 2014 3:37 am
 
Forum: Investing - Theory, News & General
Topic: Estimating Future Investment Returns — On a Napkin
Replies: 79
Views: 5869

Re: 27 yr old reaches $1m net worth

His Roth balance looks very very high. At 5k limit even with 100% return over last 8 years given he contributed in down turn; 120k+ is very high number!

Would still his hardwork and LBYM to reach that high new worth are impressive.
by ray.james
Tue Nov 04, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 11721

Re: Ashley Furniture

Has anyone here bought furniture from Ashley Furniture Store? We went there recently and liked the stuff, even though it seemed a bit more expensive that other stores. I don't mind spending the extra money if product is of good quality. Any reviews you guys can give? Thanks. http://www.consumeraffa...
by ray.james
Mon Nov 03, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3439

Re: Checking monthly - may not even notice the October "cras

I bought some international, rebalanced international. They had 15% drop. So far rewarded nicely. If only dollar stops becoming that green big hulk guy, rewards will be stunning. :D The human psychology can easily forget rapid events. Especially, me as human seems to have hindsight of badgermole. On...
by ray.james
Fri Oct 31, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4445

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

I'm nearly 71 but I don't have to take RMD's as I'm working for the company where I have my 401K. This is the one exception to the rule that you have to take RMD's at 70 1/2. My company's Plan requires the Roth contributions to be in the 401K for 5 years before I can roll them over. So they will co...
by ray.james
Sun Oct 26, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7646

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

More money on which to pay RMDs! I'm exempt at the moment as my 401K is with my current employer. I'm not making Roth 401K contributions as they will count towards RMDs unless the money has been there for 5 years . I plan to retire in 4 years. confused...How will they count towards RMD? could you e...
by ray.james
Thu Oct 23, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7646

Re: Mr. Market turns on Amazon

Amazon has constantly invested their profits to make more money. They actually do make money on retail business. The last 2 misses were more due to phone and other costs.

But yeah at 75B revenue they better show atleast 1% profit :P
by ray.james
Thu Oct 23, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4510

Re: Headed for a 300+ point loss today?

I transferred some money to taxable account...banking on the fact that this is a month of 3 biweekly checks. International looks very good to me...I will take 4% dividend, and not care if it goes more lower. As it turns out...my contributions over last 2 years are barely in positive purely due to di...
by ray.james
Wed Oct 15, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36397

Re: It's a good day to be heavy in REITs

Nisi, I think using Reit's data only from 2008/2009 could skew the outcome and magnify reits being more risky. Since the crisis itself is based on sub prime lending. That said they are riskier than total stock. I am surprised international are rated as risk 5 and not 4. I thought it was emerging mar...
by ray.james
Tue Oct 14, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4078

Re: Exercise Posts

I am 28 now and I was gifted a bull worker by my eldest uncle who is in late 50's now. It was gift, when I was in first of college. These things last quite long. Last I knew, it is still in my younger cousins house in good condition; after 25-30 years and 5th user. It was little boring to use all by...
by ray.james
Tue Oct 07, 2014 2:09 am
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2501

Re: Health Care FSA Questions

As per IRS, they will need a receipt which states the procedure/services are used with date. Just a credit statement for medical would not suffice. I would wait for other members to confirm this/if anyone has success otherwise. I am not sure about your amount, but FSA can only be 2500 per person/500...
by ray.james
Sat Oct 04, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA Questions
Replies: 5
Views: 442

Re: Health Care FSA Questions

Hello sunnyday, Unfortunately that is not possible. FSA funds only pay for the current year expenses(you can only make claims until next year January). If there are post expenses like therapy for few months etc, you can probably manage to have them into next year. Fsa money goes back to employers fr...
by ray.james
Sat Oct 04, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA Questions
Replies: 5
Views: 442

Re: HSA in foreign country

Preface: I do not know the legal answer, but a mere opinion. I have wondered the same thing about the 529 plan, 401k. From what I understand, a US citizen/non us citizen always have the same benefits on Taxation and need to file taxes for US sourced income . However the foreign government would not ...
by ray.james
Sat Oct 04, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: HSA in foreign country
Replies: 3
Views: 474

Re: GF leaving advisor, help needed

If she bought WF brokerage funds recently, some of the funds have freq trading exit fees within 90days.

Vanguard shouldn't charge for rollover and was able to merge my multiple 401k rollovers. But Wells Fargo might charge exit fee per account. Sometimes 150-300$.
by ray.james
Sat Oct 04, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: GF leaving advisor, help needed
Replies: 22
Views: 2661

Re: Pizzasteve and others: my real estate question

I'll also just state the question underlying this real estate pondering: I'm trying to evaluate our investment options once we sell the house and have a larger pot of money to manage than we have ever had before. So far I see it as: 1) invest in stocks/bonds/??? mix 2) buy a rental property 3) comb...
by ray.james
Sat Oct 04, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to look at real estate ROI
Replies: 21
Views: 2647

Re: JPM Chase hacked

They filed 8k, which is how I think this came out. (no press release.) I did not see other bank names though.

http://investor.shareholder.com/jpmorganchase/secfiling.cfm?filingID=1193125-14-362173
<unlike usual 8K's, this is simple to read :) >
by ray.james
Thu Oct 02, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: JPM Chase hacked
Replies: 13
Views: 2002

JPM Chase hacked

JPM chase was hacked in June/July. Details: http://dealbook.nytimes.com/2014/10/02/jpmorgan-discovers-further-cyber-security-issues/ Compromised details: Phone numbers, addresses, names. 76-85 million customers. As per regulatory filings this seems more than just checking and savings account total. ...
by ray.james
Thu Oct 02, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: JPM Chase hacked
Replies: 13
Views: 2002

Re: When should someone "not stay the course"?

I am 50% international, so last month was close to 3.5-4% loss in 1 month(10% in international small over 3 months.). It was a bad feeling. However, today morning I am back to OK. Every first week of the month, I open my excel, enter the round figures of account balances(401k, roth etc) and write a ...
by ray.james
Wed Oct 01, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2708

Re: Contribute 401k or Roth IRA? AA across tax-deferred and

I have faced somewhat similar situation and I live in CA. I have decided to use as much tax deferral as possible when I am in 25% + 9.3 as moving to another state is possible. In years when only one of us earns I plan to convert rollover->roth until I hit 25% tax bracket. Another thing to consider, ...
by ray.james
Wed Oct 01, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Contribute 401k or Roth IRA? AA across tax-deferred and Roth
Replies: 12
Views: 1315

Re: Will you invest in Bill Gross's new bond fund?

http://www.businessweek.com/articles/2014-09-30/bill-grosss-investing-secret-a-rising-market-and-extra-risk The article has less proofs/charts, so take it with limited view. But it essentially argues gross has always taken higher risk during the great bond decades and thereby achieved higher return...
by ray.james
Tue Sep 30, 2014 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 3046

Re: History of U.S. Inflation — Appearances Can Be Deceiving

I am trying to understand why inflation volatility is so high back in the day. Is that because of gold standard or just the fact that economies are not as interconnected/trusted back in the day. Today fed can raise cash by selling bonds very easily, versus back in 1930's where only few countries can...
by ray.james
Fri Sep 26, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: History of U.S. Inflation — Appearances Can Be Deceiving
Replies: 16
Views: 2600

Re: It's pretty freaky watching your stocks go up & down all

. Anyone with 10, 20 years of added accumulation, shouldn't be focused on any one specific day, or month, or perhaps even year (other than to rebalance). That said, I wonder how many are "freaking" out as I write. Some ETFs of interest (to me). VBR 100.60 -1.32 VCIT 85.82 0.15 VCSH 79.93 ...
by ray.james
Thu Sep 25, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 6025

Re: Should I get a HSA? (Health Savings Account)

HSA are awesome for tax savings. However, like Kazper, in my company, I have to pay 100$ more per paycheck to use the HSA.(2 people) Not to mention 3K worst case scenario. So I skipped using it. My previous company used to contribute 50% of maximum deductible into HSA(So 1.5k in this case). If that ...
by ray.james
Thu Sep 25, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I get a HSA? (Health Savings Account)
Replies: 14
Views: 1151

Re: Cast Iron Skillet Cooking

Is it faster to cook in cast iron than aluminium?
I use aluminium(anodized) and stainless steel now. Can cast iron be used for broths/lentils-legumes roasts? (in addition to meat)

I miss the slight burnt parts of meat adding nice taste from my grandma days :)
by ray.james
Wed Sep 24, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 11210

Re: [news expats]Renunciation of Citizenship fee hiked to 23

Filing taxes on the foreign income. It used to be okay, since people just file the taxes and claim the deductions. Then FACTA, FBAR restrictions were introduced. This is painful as one might have many accounts; and should go on lengths to document all cash bank account with >10k. The exit tax was do...
by ray.james
Wed Sep 17, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: [news expats]Renunciation of Citizenship fee hiked to 2350
Replies: 8
Views: 992

Re: Question about popularity of HSAs

Another things that goes unmentioned: HSA does not have RMD. Even if you never use them, helps to plan retirement money.
by ray.james
Wed Sep 17, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about popularity of HSAs
Replies: 23
Views: 1442

[news expats]Renunciation of Citizenship fee hiked to 2350

Renunciation of Citizenship fee hiked to 2350 from 400. This might be of interest to expats given that the worldwide taxation is leading to more renunciation. If the current department moves are any indication, the exit tax will be spiked in future. http://www.state.gov/r/pa/prs/ps/2014/231128.htm
by ray.james
Wed Sep 17, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: [news expats]Renunciation of Citizenship fee hiked to 2350
Replies: 8
Views: 992

Re: 100% Stock Thread Collection

At first, I used to feel the same way. I used to plot all sorts of charts to get 100% stock returns equivalent at reduced volatility by using crazy asset classes, leverages, etc etc... Another thing I used to subscribe a lot, us dollar is ending being reserve currency and suddenly, US goes bankrupt....
by ray.james
Tue Sep 02, 2014 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 5845

Re: S&P500 over 2000

Just to throw ...some sadness
It took S&P 16 years to go from 1000 to 2000 - to double; if you consider dividends account for inflation :)
by ray.james
Mon Aug 25, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5667

Re: Student Loans (100k+ with Sallie Mae) & Retirement

I started at ~40k, 2 loans at 9 and 11%. I would second to payoff 6k loan for psychological benefit and also cash flow. I also used a 0% apr CC to put off living expenses on card for 1.3 years to focus on loans. Hope it helps. Also, when you pay off one of the loan, you can scout for interest reduct...
by ray.james
Tue Aug 05, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans (100k+ with Sallie Mae) & Retirement
Replies: 16
Views: 1403

Re: Roth ira distribution unreported to IRS.

Just to update this thread, I filed a 8606 form and got the issue resolved. FYI, IRS responses to my reply mentioned they don't need a 1040X and 8606 is standalone.(However i am free to do so.) In my conversation with them, I also realized, it is very rare for them to ask 5498, as every detail is in...
by ray.james
Mon Jul 28, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth ira distribution unreported to IRS.
Replies: 5
Views: 1143

Re: P/E Ratio: How do YOU interpret/use it?

I'm relatively new to finance and I've come across people using the P/E ratio in pretty wildly different ways. I just talked to someone who used to work as a financial advisor who told me that once a P/E ratio hits 40, then you should look to take your money out of stocks, because that is signaling...
by ray.james
Mon Jul 21, 2014 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1469

Re: Q&A with the Experts at 2014 Bogleheads Conference

Thank you Mel for doing this. 1) This is a broad question, but for a general discussion if you think it will yield something actionable/understand the aspects: Given the mantra, 'life style and spending won't increase without pay rises', would the future education costs continue to rise as rapidly. ...
by ray.james
Sat Jul 12, 2014 5:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Q&A WITH THE EXPERTS AT THE 2014 BOGLEHEADS CONFERENCE
Replies: 37
Views: 13402

Re: EM Returns - long term

Given that most EMs only embraced capitalism 20-30 years ago, I wouldn't project these returns going forward. Emerging markets were really non-existent for most of those 114 years. Over the next 114 years, I'd expect them to become about 80% of the global stock market. As I noted in another thread,...
by ray.james
Thu Jul 10, 2014 2:00 am
 
Forum: Investing - Theory, News & General
Topic: EM Returns - long term [Emerging Market]
Replies: 34
Views: 3570
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