Search found 388 matches

by ray.james
Thu Aug 27, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: Why no diversification benefit for international in this week's crash?
Replies: 83
Views: 4468

Re: Why no diversification benefit for international in this week's crash?

Instead what I think really happened is that these price changes are driven by speculation. Investors with large sums of money, who can bid asset prices up or down, sold their assets at the same time. If Average Joe holds a global cap-weighted portfolio (by definition he does!) and sells 7% of his ...
by ray.james
Wed Aug 26, 2015 5:07 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 77
Views: 3541

Re: TLH for absolute dummies

Have learnt so much from this thread. Preventing wash sale seems pretty complicated when you include 1 taxable, 1 401k, 2 roth and then roll over accounts :( I am lucky my wife uses only TR funds. I might as well use just TR funds in all retirement vehicles, so they reach the bond allocation I want ...
by ray.james
Wed Aug 26, 2015 1:14 pm
Forum: Investing - Theory, News & General
Topic: S & P 500's Global Sales
Replies: 13
Views: 772

Re: S & P 500's Global Sales

If you look at chart for international companies, they too will look the same. Lets just take top 10. Nestle, uniliver Royal Dutch Shell plc Toyota Motor Corp. Bayer AG Sanofi BP plc Roche Holding AG HSBC I recognize every brand above and used/use 8 out of the 10 companies products in every day life.
by ray.james
Tue Aug 25, 2015 1:02 pm
Forum: Personal Consumer Issues
Topic: Commuter Car Purchase after College
Replies: 24
Views: 1687

Re: Commuter Car Purchase after College

3) When looking for a used car I have found that the best deals are in the less popular but still OK models. Lots of people want a used Corolla or Civic so they are real expensive. There a lot of cars, like some Fords, that have OK to good ratings but a lot better prices so I would look at that typ...
by ray.james
Tue Aug 25, 2015 12:58 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 173
Views: 24867

Re: VWO seems cheap right now

One thing with emerging markets index is between china +china A shares it is 32-34% of index. Taiwan adds in another 15%. Geographically that is a lot of concentration in the index. Also top 15 countries make up 18% of index and 5 of them are Chinese state controlled/invested conglomerates.
by ray.james
Mon Aug 24, 2015 11:14 pm
Forum: Personal Consumer Issues
Topic: Commuter Car Purchase after College
Replies: 24
Views: 1687

Re: Commuter Car Purchase after College

IMO rather than 3 year civic/corolla where you end up coughing 60k mileage repairs/timing belts/tires shortly, it is much better to get 1-2 year old Elantra /Ford Focus with ~30k miles; so you can defer those costs. I bought 1 year old Elantra with 30k miles for 10.5 grand. Drove 7-10k miles per yea...
by ray.james
Mon Aug 24, 2015 11:13 pm
Forum: Personal Consumer Issues
Topic: Cheaper car for someone who enjoys cars?
Replies: 63
Views: 5976

Re: Cheaper car for someone who enjoys cars?

I bought a 3 year just out of lease G37 for 20.5k.
This is the journey version - so NO sport trims/AWD, but just 16k miles. An absolute pleasure to drive in California coast.
by ray.james
Mon Aug 24, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing with a sell off as a young investor
Replies: 13
Views: 1190

Re: Dealing with a sell off as a young investor

My taxable account is just a few k's . So it is a do nothing event for me. So far haven't had any emotions running. I have been buying emerging markets lately instead of international. One thing that I am debating in my head - should I take more risk/ less risk in roth vs my 401k. Roth is very valua...
by ray.james
Mon Aug 24, 2015 1:58 pm
Forum: Investing - Theory, News & General
Topic: Help find a prior post: Sensible advice during crash
Replies: 11
Views: 792

Re: Help find a prior post: Sensible advice during crash

Also, in the new forum update, on every thread there is a button that looks like a wrench. It is on the top right under forum thread headline. If you click on it, you can subscribe/bookmark the thread/topic. Usually there are topics that I follow - I don't contribute because I don't have enough skil...
by ray.james
Mon Aug 24, 2015 1:53 pm
Forum: Investing - Theory, News & General
Topic: Help find a prior post: Sensible advice during crash
Replies: 11
Views: 792

Re: Help find a prior post: Sensible advice during crash

I think of this one too. I was not a member then. But I read it few months after I joined here and the whole stock market thing of 2008 jogged through my memory. I kept it in my signature so that I don't need to search for it. How do you keep it in your signature so that you don't need to search fo...
by ray.james
Mon Aug 24, 2015 1:35 pm
Forum: Investing - Theory, News & General
Topic: Help find a prior post: Sensible advice during crash
Replies: 11
Views: 792

Re: Help find a prior post: Sensible advice during crash

Was it this fabulous post by Nisiprius? "A time to EVALUATE your jitters" posted on 8/7/2011 www.bogleheads.org/forum/viewtopic.php?f=1&t=79939 I think of this one too. I was not a member then. But I read it few months after I joined here and the whole stock market thing of 2008 jogge...
by ray.james
Mon Aug 24, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 5325

Re: VHT down 27% - Glitch or missed opportunity

Bracket wrote:Interesting. But why certain funds and not others? Just random chance?


Probably that particular ETF is used by the traders - Could be the volume/ liquidity /some other criteria .
by ray.james
Mon Aug 24, 2015 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA losing value....should I exchange?
Replies: 36
Views: 3003

Re: Roth IRA losing value....should I exchange?

Poster Sawhorse above makes an excellent point above. It is one of the reasons why I ended with Life strategy growth fund and life strategy moderate growth fund for my wife's Roth. 10% bonds is too much volatility for her.
by ray.james
Mon Aug 24, 2015 11:45 am
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 5325

Re: VHT down 27% - Glitch or missed opportunity

This seems very similar to enlisting a new stock. Because no one one knows where it will go, people will setup a ton of market/limit orders. So the swing at the start of trading are always crazy.
by ray.james
Fri Aug 21, 2015 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA losing value....should I exchange?
Replies: 36
Views: 3003

Re: Roth IRA losing value....should I exchange?

Selling low is the worst thing any investor can do. I would like to caution on one thing. 250 / 5500 is approximately 4-4.5% This volatility you can expect even in bonds. To be frank stocks can dip 60-70% in any given year. That means 2050 fund can go low as much as 50%. In 2008, in a span of 5 mont...
by ray.james
Fri Aug 21, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1934
Views: 340843

Re: U.S. stocks in freefall

My 401k automatic contribution goes in :D
by ray.james
Wed Aug 19, 2015 5:12 pm
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 7184

Re: Piling into emerging markets

I was taking a look at my spreadsheets and realized that it seems like a big drop only because people are talking about it so much? My average cost basis over the last three years was 39, and the price is about 35.6 ... so a drop of 3.40 is a drop of about 8.7% (dividends not included). That's not ...
by ray.james
Wed Aug 19, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: Is a Roth dollar worth 1.525 times a taxable dollar?
Replies: 27
Views: 4301

Re: Is a Roth dollar worth 1.525 times a taxable dollar?

12% to capital gains when you sell 30 years later, that's an overall tax loss of about 20%, Grabiner, How did you arrive at the above %'s. Sorry if that was obvious. My math here: Assuming 7% return in 30 years 1$ becomes approx $7. ( 0.3% tax drag.) So 0.9$ is end tax. ~ 13% For tax deductible $1....
by ray.james
Wed Aug 19, 2015 1:09 pm
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 7184

Re: Piling into emerging markets

Yes 15% of equities and an additional 8% play money. Also, even though VWO dropped ~30% since last year, 10% of the drop is currency fluctuation. So if emerging markets were really having a recession/down day, it has further lot to go if the dollar keeps strengthening. This ride is not going to be p...
by ray.james
Fri Aug 14, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 81
Views: 8341

Re: Late starters: what age did you start investing?

This is not a story of mine, but my parents. My dad started and worked in a business for 15 years where the net savings were zero after living expenses. Never made much profit. When he went into business at 33, he had a net worth of 250K. He came out of business at 48 with 150K cash in hand and no h...
by ray.james
Thu Aug 13, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: New Family Sedan or Used Luxury Car
Replies: 46
Views: 3857

Re: New Family Sedan or Used Luxury Car

I bought a G37 at 50% depreciation at 3 year mark with just 15000 miles. It is an absolute pleasure to drive it and comfort is very good. In my view a Lexus is the best used luxury car. German car maintenance costs are just ridiculous. Used Acuras/infinti's are the most value in used luxury segment....
by ray.james
Wed Aug 12, 2015 1:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1934
Views: 340843

Re: U.S. stocks in freefall

It was just 1.3%?
People are getting excited about 1-2% after 100% continuous run-up . Desperate times :happy
Emerging markets have PE of 12. Developed markets close to 15. Pretty good valuations.

@grettman In my view yes. It is market timing.
by ray.james
Mon Aug 10, 2015 7:34 pm
Forum: Investing - Theory, News & General
Topic: Interesting Argument in Favor of Roth
Replies: 53
Views: 6076

Re: Interesting Argument in Favor of Roth

My rule of thumb: Convert to Roth if 20+ years to retire Plus market dropped greater than 40% && P/E under 15.
I expect my tax rate will remain same in retirement

I think that chance is going to come only once in next 10 years :happy
by ray.james
Mon Aug 10, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: Best affordable compact car to buy new?
Replies: 35
Views: 2744

Re: Best affordable compact car to buy new?

I love my 2016 elantra. It is a popular car so if you get a common trim you can often get a very good price, a bit below truecar. Good safety for its mass, great warranty, and recent model year elantras have been quite reliable. Best of all some of the best front headroom and legroom for any 4 door...
by ray.james
Fri Aug 07, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: Best used car for under 15k?
Replies: 40
Views: 3430

Re: Best used car for under 15k?

My brother in law bought a civic and based on his experience he likes the EX trim - good audio system and touchscreen. Hondalink seems to be OK.. Also one thing to consider is, you can find a more lightly used vehicle in the range of 20k -30k miles for 500$ more but worth in less repairs/mileage val...
by ray.james
Mon Aug 03, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: VWO and 4% Dividend?
Replies: 3
Views: 1154

Re: VWO and 4% Dividend?

VWO dividend changes every quarter. This is due to fluctuating dollar strength. The dollar in last 6-18 weeks appreciated considerably, which means the dividend rate going ahead might just be wrong. Look through history on vanguard before you make decision. 2007-2010 period is a good indicator to sh...
by ray.james
Tue Jul 28, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 3146

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: 6365

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: 3967

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: 173
Views: 24867

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: 173
Views: 24867

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: 3967

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: 727

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: 1177

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: 3146

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: 3146

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: 2357

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: 50
Views: 3671

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: 81
Views: 8311

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: 2941

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: 5764

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: 6959

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: 3630

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: 173
Views: 24867

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: 3270

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: 1818

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: 8527

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: 8527

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: 4022

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: 2179

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-...

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