Search found 362 matches

by ray.james
Tue Jul 28, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 3030

Re: Easy lunch brownbag ideas

Thank you all for all the ideas. I am at work now with lunch :
bread slices - one with hummus, one with guacamole and rotisserie chicken pieces with a tomato/dried cranberries and some nuts.

Will be saving 7-8 bucks today. Thank you Costco.
by ray.james
Tue Jul 28, 2015 1:20 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6163

Re: wife got in wreck with Honda CRV - no collison coverage

OP, Good to hear no serious injuries. I too am not comfortable with my wife's driving completely, so I keep changing home when she changes job to as close as possible(works for now since we are in renting phase). A part of it is the move to big city from laid back sleeper towns. I keep the higher li...
by ray.james
Mon Jul 27, 2015 7:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Developed & Emerging Markets Indexes — Transition Details
Replies: 50
Views: 3853

Re: Vanguard's Developed & Emerging Markets Indexes — Transition Details

The only time frame I've seen mentioned is from Vanguard's original announcement of the changes, in early June: The affected funds and ETFs are expected to begin the transition to more broadly diversified FTSE all-capitalization benchmarks in the third or fourth quarter of 2015. Note the key word &...
by ray.james
Mon Jul 27, 2015 6:19 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 154
Views: 22070

Re: VWO seems cheap right now

Given the risk of EM equities, they should be an investment with a long-term horizon. This means that small differences in purchase price should be amortized over many years of investment returns by holding the shares long-term. -jalbert In 5 years emerging markets was exactly where it was includin...
by ray.james
Mon Jul 27, 2015 2:45 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 154
Views: 22070

Re: VWO seems cheap right now

Back on sale if anyone is looking to buy. Its RBD in China. Brazil lost 10%, India lost 4% and Russia 9% in 1 week leading to this drop. Probably a crash? who knows. I bought some :happy
by ray.james
Sun Jul 26, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Developed & Emerging Markets Indexes — Transition Details
Replies: 50
Views: 3853

Re: Vanguard's Developed & Emerging Markets Indexes — Transition Details

SimpleGift, Thank you for the post. I was interested in emerging markets change, since I hold VSS - small cap international. After this change, there is too much overlap on small caps and midcaps. I might change my position to hold these total market funds. Lucky for me, my money is in IRA's Sometim...
by ray.james
Sun Jul 26, 2015 1:44 am
Forum: Investing - Help with Personal Investments
Topic: 7 year olds $$$$
Replies: 2
Views: 713

Re: 7 year olds $$$$

When will the 7 year old/ you will need this money. If the answer is under 5, then NO. This is how I do it and I consider myself a good risk taker. <1 year - savings account < 3 years - limited term bond <5 years - Intermediate term bond. > 5 years - I use 80/40 allocation but a large cap fund/S&...
by ray.james
Sun Jul 26, 2015 1:41 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) loan and I'm changing jobs
Replies: 17
Views: 1151

Re: 401(k) loan and I'm changing jobs

A few thoughts in the order of doable and ease: 1) A new 0% CC with 10k limit. 2) 401k loan remains at old place if you do not roll over. <<Depends on plan.>> 3) Personal loan 10k at 10%. Pay off in 6 months. 4) Liquidate ira for penalty etc., Once, I asked my next employer to give me 10K cash inste...
by ray.james
Fri Jul 24, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 3030

Re: Easy lunch brownbag ideas

Thanks for the excellent ideas. I have never looked at costco rotisserie chicken that way. I used to buy it only when there is large group of people at home. Also hard egg is a great idea. I will start on them from next week. @chrisB for roasted veggies, any recommendations on spices? Do you roast t...
by ray.james
Fri Jul 24, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 3030

Easy lunch brownbag ideas

We have started eating healthy and working on cutting eating out and brown bagging lunch rather than cafeteria. Between me and wife, our cooking is covering 2-3 weekdays at home. For a couple of days, I am either pressed for time/no leftovers. So I am looking for ideas like PB &J - simple to mak...
by ray.james
Thu Jul 23, 2015 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a cup-with-handle pattern?
Replies: 29
Views: 2325

Re: Is this a cup-with-handle pattern?

What is the probability of the genuine first post like this? :happy To Answer your question, since 2010 there were 6 wedges, 12 head and shoulders, 2 cup and handles predicted when the data was seen on 3-6 month basis using eyes to fit data. On a 12 month- 3 year basis it is, it is a beizer curve wi...
by ray.james
Thu Jul 23, 2015 2:28 am
Forum: Investing - Theory, News & General
Topic: [Original Research] The Failure of PE Market Timing Models
Replies: 43
Views: 3082

Re: [Original Research] The Failure of PE Market Timing Models

I think for a strategy to be robust it should work across 100+ years of history and also work under more general allocation strategies not involve arbitrary cut-off points that can be too easily tweaked into succeeding on backtested data. I'm not sure I agree about the cut-off points, but if that's...
by ray.james
Fri Jul 17, 2015 6:20 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 79
Views: 7614

Re: Vanguard's Security image going away?

How does not having it increase security? At least when I see it I have some assurance that I'm on the true VG site. People ignore security best practices all the time - why penalize a person who actually looks at the security image. I'm hoping there is more to it than that. Excellent point. 2) if ...
by ray.james
Wed Jul 15, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: CNBC & Fox Business Websites
Replies: 26
Views: 2881

Re: CNBC & Fox Business Websites

The economist. I read only editor picks. 4 stories per week. (don't need to pay if you register. (I think up to 5 articles.)) For day to day my phone app has tickers for all vanguard funds. Edit: also agree with others. Bloomberg is much better quality. CNBC auto play videos/Jim Cramer's face everyw...
by ray.james
Wed Jul 15, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5661

Re: The " Corolla" investment....

At_ease,
That is a very good return on the car. I am curious, apart from oil changes, what have you done for the car?
My wife drives used to drive a 2001 corolla . 160k miles, that thing still runs just fine. It spent 13 years in snowy northwest!
by ray.james
Wed Jul 15, 2015 1:37 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6826

Re: I tipped 15% and got a dirty look

I was facing the same stares and decided to always tip 20%. Also, I realized, at some places, people are tipping 10% for take out's. Especially at small restaurants which use an ipad and a tip menu comes up with three big circles of 10%, 15% and 20%. My wife and I recently decided to reduce our eati...
by ray.james
Wed Jul 08, 2015 1:15 pm
Forum: Investing - Theory, News & General
Topic: Half of China Major Stocks Cease Trading. Impact Globally?
Replies: 36
Views: 3585

Re: Half of China Major Stocks Cease Trading. Impact Globally?

I don't even pretend to understand the implications of China's stock market troubles, but my entire international exposure is through van. total international stock fund. It's China exposure is 5%. It probably is not as simple as looking at that figure, but in my simple mind, diversification is a b...
by ray.james
Tue Jul 07, 2015 2:21 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 154
Views: 22070

Re: VWO seems cheap right now

I picked up some VSS(international small cap) today, which is below 100(98). Given china market crash and Brazil technical recession last quarter, I want to wait to buy VWO for a little more time.
by ray.james
Thu Jul 02, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loans getting out of control?
Replies: 16
Views: 3242

Re: Auto Loans getting out of control?

I recently took a car loan. Based on my experience, the lender was willing to give me with 0$ down and beyond. However the interest rate was low only when the term is 36-48 months. It rose to 4% for 84 months. I ended just amount equal to full car value+plus for 5 years at 2.375%. FICO around 740.
by ray.james
Tue Jun 23, 2015 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Impact on benefits if I leave the US and go to India
Replies: 11
Views: 1801

Re: Impact on benefits if I leave the US and go to India

OP, are you a US Citizen now? Do you plan on keeping it when you move to india? If you are not a us citizen, can we claim SS? I thought that the answer is NO. This is not true. The main social security website tool are not written with qualified legal aliens that went through Non-Immigration visas ...
by ray.james
Thu Jun 18, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8414

Re: Best "All Around Lens" for Nikon DSLRs?

The Sony DSC-RX10, seems like a great option for those who need dSLR-like quality and a wide ranging zoom for travel. Of course the small RX100 is also highly touted. I still believe for general travel, where photography is not the focus (ha!), a small travel zoom is much more enjoyable, allowing o...
by ray.james
Tue Jun 16, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8414

Re: Best "All Around Lens" for Nikon DSLRs?

The price is not an issue. My daughter wants to give me her old Nikon 18-200 VR. It is a good lens but is very heavy. I have read about the Nikon 55-200 VR as a good alternative. It is lighter but I am not sure how useful the 55mm range is. Thanks. Roosevelt. I have the 55-200 mm lens. But it would...
by ray.james
Tue Jun 16, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring Abroad
Replies: 22
Views: 3988

Re: Retiring Abroad

First on financial side: Have you heard of HEART act? 30% withholding of 401k assets on renunciation/abandonment. A good thread if you want to read further: https://www.bogleheads.org/forum/viewtopic.php?t=65530 Now on other factors, Grass is always greener on other side. How will one feel if someon...
by ray.james
Tue Jun 16, 2015 12:15 am
Forum: Investing - Theory, News & General
Topic: $2.55 Billion in gains -- $40 million in returns to investors
Replies: 7
Views: 2175

Re: $2.55 Billion in gains -- $40 million in returns to investors

when they mentioned decade what years are they talking about? between 2003-2013/similar decaded the return were around 8.8% averaged per year with dividends included. So ideally the money should be close to double. So if we assume, the deposits averaged over 10 years, I would expect atleast 750mill-...
by ray.james
Fri Jun 12, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Under-reporting my income for renting at a new apartment
Replies: 13
Views: 1551

Re: Under-reporting my income for renting at a new apartment

Landlord here: high income is not a red-flag. By renting way below your means, I might guess you're saving for a down-payment to purchase a house. But down-payments takes years to build up and all tenants turnover one way or the other eventually. I don't consider it a negative. I ask for income ver...
by ray.james
Fri Jun 12, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Under-reporting my income for renting at a new apartment
Replies: 13
Views: 1551

Re: Under-reporting my income for renting at a new apartment

In my new place my landlord gets the pay stubs. So I have reported only my base salary as income. Roughly 20-25% less than total compensation. I am not that much high earner but when wife and I combine, it is a good money.
by ray.james
Fri Jun 12, 2015 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages from moving 401k to IRA
Replies: 37
Views: 3715

Re: Disadvantages from moving 401k to IRA

I might have got this wrong, but the IRS notice clarified we can roll over only post tax amount separately. I assume the above, since the holding company like Vanguard have no clue whether a specific amount is tax_advantaged or not? The burden is on us to track and update IRS about the contribution....
by ray.james
Fri Jun 12, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages from moving 401k to IRA
Replies: 37
Views: 3715

Re: Disadvantages from moving 401k to IRA

A couple of mild disadvantages. 1. Less protection from lawsuits, creditors, etc. (depends on state) 2. Makes doing backdoor roth more difficult. Most of the time it is worthwhile to move if fees are high. Mike Want to reiterate what mhalley has said. If you plan on doing backdoor roth at some poin...
by ray.james
Fri Jun 12, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on 401k loan for home purchase?
Replies: 29
Views: 2478

Re: Thoughts on 401k loan for home purchase?

It is a risky move, but I would do it. You mention, your current living arrangement is bad. That is good enough for me to take this risk. I would however keep off buying home stuff until I pay off 401k Loan. Or atleast until the balance comes down to a level where I have alternate loan sources(like ...
by ray.james
Thu Jun 11, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 5086

Re: Non-Bogleheads approach to changing cars?

I firmly believe in 2-3 years old cars that were used as commuter/lightly used as best value. The depreciation would be 30-45%. So the max depreciation will be 10% once bought or even less. Car will run for 10 years if taken well care of. I do not trust Edmunds TCO. In my experience it overestimates...
by ray.james
Wed Jun 10, 2015 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 57
Views: 7042

Re: Buying in Bay Area (redux)

I'd consider relocating but only to San Diego, LA or Austin, those are pretty much the only cities with the type of climate I like. Also for my particular skillset a lot of talent is here in the Bay Area so it really makes sense for me to be here, my skills are in demand and the number of fantastic...
by ray.james
Wed Jun 10, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?
Replies: 42
Views: 7926

Re: Ask Your Questions here for the Jack Bogle Q&A @ Bogleheads Conference

Moved this one for Jack over here. It was asked as part of a question for the Experts Panel Q&A (Jack's Q&A session is separate from the Experts Panel Q&A). ::To our mentor, John Bogle - 70% total bond market, 30% corporate bond - Is this a good "total bond" market diversifica...
by ray.james
Tue Jun 09, 2015 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401k with no matching
Replies: 13
Views: 1263

Re: 401k with no matching

U5512 wrote:Yes, and I would even max it out to $18k for 2015 and SAVE big bucks in federal and state income taxes. :happy

+1
For CA taxes and AMT considerations, it is the only escape.
by ray.james
Fri Jun 05, 2015 2:15 pm
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 20
Views: 3653

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

Ed, thank you for being the moderator and voice for all those who will miss the event. ::Question for Rick Ferri and Allan Roth With current devaluation and increasing public debt across ALL COUNTRIES, - Is it still safe to have all the investable assets in dollars. - Safe to invest everything in US...
by ray.james
Fri Jun 05, 2015 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Just start investment, should I sell VDE and Reits ?
Replies: 16
Views: 982

Re: Just start investment, should I sell VDE and Reits ?

Energy and REIT are the most speculative investments. No one can know when the fed will raise rates and no idea what will OPEC/USA do with oil production. A number of small producers are already cutting jobs. Are you OK with atleast 20% drop because frankly VDE went down 30% in 5 months. If not, I w...
by ray.james
Thu Jun 04, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Mint Utility and Security
Replies: 9
Views: 812

Re: Mint Utility and Security

I was little skeptical of mint security and use only my credit cards to track spending. No investment/checking accounts there.
by ray.james
Thu Jun 04, 2015 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 50
Views: 8891

Re: 30 years old / Missed the bull run

I started listening to Peter Schiff's radio show and have been convinced that the world is going to end. I have read enough books to talk myself out of that line of thinking. I was on that exact boat for about 2 years at the end of college. Lucky for me it was only only 2 years and I had so much de...
by ray.james
Tue Jun 02, 2015 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: 401K - To Roth or not?
Replies: 8
Views: 924

Re: 401K - To Roth or not?

I'm 34, hoping to retire by 60. I'm an airline pilot at a major airline, so it's definitely not the most stable of jobs. The 16% is a direct contribution. I think I'll stay in the traditional for the next few years until I can take the take-home hit from the Roth contribution. Maybe go 50/50 tradit...
by ray.james
Mon Jun 01, 2015 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: 401K - To Roth or not?
Replies: 8
Views: 924

Re: 401K - To Roth or not?

At 28 + 6% I would go traditional, unless you expect your income much higher in future since you are just starting. Is 16% employer contribution - a match or a direct contribution? If you expect your income rise much higher in coming years; some portion in roth is probably not a bad idea. Reason bei...
by ray.james
Sun May 31, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 1971

Re: Best way to learn tennis for adult

I had a good eventful day. My local club has a few people who teach at the park twice every week for adults etc., I had my first tennis class today. Oh dear, it is definitely tougher than Badminton. At least with that game, I was able to hit back into the right court. It is much harder to control a ...
by ray.james
Sun May 31, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: good vacuum cleaner for up to $200?
Replies: 26
Views: 2252

Re: good vacuum cleaner for up to $200?

I use Bissel's cleanview($79) vacuum cleaner.Works very well with the carpet. Not so well with tiles. Wouldn't recommend if everything was a hardwood floor. But on carpet it just makes those nice lines of cleanliness :) .It also comes with long hose for corners, patio cleanup. Also, after 3 years I ...
by ray.james
Fri May 29, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 1971

Re: Best way to learn tennis for adult

Thanks for the replies. Tennis was not my first pick. The reason I choose tennis is the proximity to my home. I went to badminton for 2 weeks with friends at work. Predominantly Asian crowd but a very enjoyable game and I seem to like the effort needed for the game vs time. I think raquet ball falls...
by ray.james
Fri May 29, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 1971

Best way to learn tennis for adult

Hello all, I turned 29 this year and in the last 8 months moved myself from couch potato to someone who can jog 5 miles/ bike 20 miles 10mph with out feeling like exhausted/gasping for breath. I decided to pick some sport to keep this health consciousness, fitness level and am thinking to get into t...
by ray.james
Thu May 21, 2015 11:25 pm
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2797

Re: What if the US stock market was only 25% of the world by market cap?

Equal weighting or weighting in reflection of the level of reserve currency are perhaps better choices. http://en.wikipedia.org/wiki/Reserve_currency#Global_currency_reserves I have never heard of reserve currency methodology before. Is it related to what governments are viewing as a safe currency ...
by ray.james
Thu May 21, 2015 2:44 pm
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2797

Re: What if the US stock market was only 25% of the world by market cap?

I'd be somewhere between 50/50 and market cap weighting. - Did the US Markets completely melt down Japan Style over a multi-year time horizon (maybe a war or something) or did Foreign Markets skyrocket through the roof? Doesn't really have to be either. If the US grows at 2% and ex-US at 6% (in USD...
by ray.james
Wed May 20, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 3442

Re: How should drivers react to bicycle riders on one lane roads?

I usually wait until I can see a little road ahead and can cross the person safely; Sometimes cross over yellow/double lines. In ca, especially on hills(280 service roads, CA-1, etc), I am extra cautious because a slight miss/ small bump to bicyclist can often lead to fatality because of speed/valle...
by ray.james
Thu Apr 23, 2015 10:45 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3463

Re: Is tax loss harvesting that powerful ?

With only the ability to write off $3000 a year it doesn't seem like this is a tool that the rich and powerful investors would care too much about. Are there other strategies that appeal more to the high rollers ? Using it to offset regular income during your high earnings periods is a powerful str...
by ray.james
Sun Apr 19, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 67
Views: 5778

Re: Poll: Effective average Adjusted Livesoft tax rate?

I am thinking that qualified dividend income could really hurt us as follows: If instead we had tax-exempt muni bond income, we could have a higher rate of Roth conversions going forward. Example: Instead of $25K in QDI, have $25K in tax-exempt muni bond income during the years of Roth conversion a...
by ray.james
Fri Apr 17, 2015 12:08 am
Forum: Personal Finance (Not Investing)
Topic: [Financial] Tips for Post-College Lifestyle
Replies: 53
Views: 3379

Re: Tips for Post-College Lifestyle

2 things that contributed, helped me most to pay off loans,

Roommate, cooking atleast 70% of meals.
by ray.james
Thu Apr 16, 2015 11:54 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 410
Views: 67712

Re: Rick Ferri looking to internationalize his portfolio

I started re-balancing mid last year from 60/40 to 40/60 based on valuations. This year has been really good. I was expecting a bad year in anticipation for euro currency decline, but this is a bit surprising given the gains have adjust beyond euro losses.

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