Search found 316 matches

Return to advanced search

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
Thu Apr 23, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 2759

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
Sun Apr 19, 2015 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 65
Views: 4286

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
Fri Apr 17, 2015 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: [Financial] Tips for Post-College Lifestyle
Replies: 53
Views: 2756

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.
by ray.james
Thu Apr 16, 2015 11:54 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 46667

Re: VWO vs VEMAX (Emerging Market) - why they move different

The question made me curious and I looked at history. I looked at past 30 days. The largest order was 2141.91k shares(yes! 2 million shares) on Mar 17th when the price hit under 40, the previous day(39.91). It took almost half a day and the collective price went almost 1% up before settling back dow...
by ray.james
Wed Apr 15, 2015 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWO vs VEMAX (Emerging Market) - why they move differently?
Replies: 4
Views: 334

Re: VWO vs VEMAX (Emerging Market) - why they move different

Based on data from an app on my phone, the premium/discount changed from $0.03 to $0.59. Sounds about right, Sometimes the price changes when someone is buying in large lots, but the volume is low etc etc...Sort of an auction when it comes to an ETF. Looking at volume chart, someone placed an 79K, 8...
by ray.james
Wed Apr 15, 2015 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWO vs VEMAX (Emerging Market) - why they move differently?
Replies: 4
Views: 334

Re: On a budget and Friday night

This coming weekend - Costco rotisserie chicken + salad+ penguins of Madagascar from red-box. Total ~9$
by ray.james
Tue Apr 14, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5097

Re: Favorite Boglehead Avatar?

ray.james, the image that you linked to is for Frédéric Bastiat, "a French classical liberal theorist, political economist, and member of the French assembly" (according to Wikipedia). https://en.wikipedia.org/wiki/Fr%C3%A9d%C3%A9ric_Bastiat Thank you for looking up. Made an very interest...
by ray.james
Mon Apr 13, 2015 5:14 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4755

Re: Poll: do you own individual international stocks?

SGM wrote:I own a few ADRs of non US companies. The purchasing costs are the same low fee as buying domestic stock.


+1... some speculative purchase 3% of stock portfolio.
by ray.james
Mon Apr 13, 2015 5:09 am
 
Forum: Investing - Theory, News & General
Topic: Poll: do you own individual international stocks?
Replies: 25
Views: 1733

Re: Favorite Boglehead Avatar?

I feel I should recognize who this avatar is, but I don't. Some mobster? http://www.bogleheads.org/forum/download/file.php?avatar=28806_1420411957.jpg I always felt he looked like my grandfather, who I only knew from pictures. +1 Will add myself to the list. Always wondered who he was. Same is the ...
by ray.james
Sun Apr 12, 2015 2:23 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4755

Re: Paying college costs using IRA- Avoiding 10% penalty

Texasdriver, I think cashflow is the biggest reason. Not sure of OP reasons, but I plan on doing the similar to OP. Sometimes when earning in HCOL +CA due to higher income, one is always in 35- 50% marginal taxes. I prefer IRA in the case. If my income rises a lot, then I can pay for education direc...
by ray.james
Fri Apr 10, 2015 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying college costs using IRA- Avoiding 10% penalty
Replies: 10
Views: 663

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

If this is true Average House = $1.5M then private schools for kid is probably not needed. Assuming that price would buy one a home in Cupertino /Piedmont/ best schools districts areas which have best schools, then private school is not needed. Cost of living seems reasonable with 2 kids with vacati...
by ray.james
Tue Apr 07, 2015 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 11020

Re: Tax implications -spouse working remotely to different s

Thanks for the bump up and comments. jlawrence01, She is checking with her company about withholding taxes. They are located only in OH and are a small with just 50 people including HR. The 2014 taxes are already done. She moved here mid December last year. So we filed MFJ with our respective states...
by ray.james
Tue Apr 07, 2015 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax implications -spouse working remotely to different state
Replies: 6
Views: 736

Re: Haliburton vs. Exxon as a buy and hold

I love these stocks at this p/E and current dividend yield. But I don't want to take a single stock risk. So pick up some VDE(vanguard energy etf. ) Top 10 companies make 60% which includes all the companies listed here in this thread.. I expected it to further fall. So haven't yet loaded up all my ...
by ray.james
Mon Apr 06, 2015 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Haliburton vs. Exxon as a buy and hold
Replies: 40
Views: 3411

Re: Beepi - a new way to buy a used car?

A couple down the road bought their car on Beepi. I recognized it from that gift packing of other review pictures. I asked them if they got a good deal and they said yes. They seem to be very happy about it.
by ray.james
Thu Apr 02, 2015 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 3836

Tax implications -spouse working remotely to different state

My wife works full-time for an IT company in Ohio. We got married last year and late last year and in December she completely moved with me in California. Her company was generous and agreed to working from home(in CA) full time. For 2014 taxes, we filed MFS for respective states to keep things simp...
by ray.james
Thu Apr 02, 2015 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax implications -spouse working remotely to different state
Replies: 6
Views: 736

Re: International stock dividend cut. Why?

As a side note,
International small cap VFSVS issued dividend this march which I did not see last year. Usually it is 3 time per year. Looks like this year it started quarterly. The amount is pretty small though. Less than 0.2%
by ray.james
Wed Mar 25, 2015 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 3064

Re: Vanguard Ex-US Small Cap Value Petition

I would support this. But I think getting an Admiral shares version of Vanguard FTSE All-World ex-US Small-Cap Index Fund (VSS / VFSVX) is more important. +1 I hold VFSVX. From past few years, emerging markets ER is down at higher rate than international small cap. Looks like people take the trajec...
by ray.james
Mon Mar 23, 2015 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ex-US Small Cap Value Petition
Replies: 24
Views: 3106

Re: One Level or Two Level House

I don't have have personal experience. But my grand parents live part year at my parents home and they have appreciated having no stairs. In the past they visited less often since the old home has all bedrooms upstairs. Also having solid walls helped to separate kitchen noise from their bedroom. Als...
by ray.james
Tue Mar 17, 2015 3:52 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5881

Re: How much international is too much?

I dont have any theory/links but have spent sometime thinking about it. Here are is what I ran through. Originally when I had a plan, I decided world stock market percentage. Forum member simple_gift has some threads here that delved in to amount of bond issues, %of GDP in open stock market, revenue...
by ray.james
Thu Mar 12, 2015 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9480

Re: This Morning's Dilbert - Investment Help

My wife is asking why I am laughing so hard. Second one from lady geek is so hilarious.
Thanks for the thread.
by ray.james
Thu Mar 12, 2015 12:48 am
 
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 5236

Re: Will you buy an Apple Watch?

I will not buy it. I don't think there are features that I will use. Also I like being notified by whatsup etc during the day. I am more of ...I will look at these when I want to type. So a smartphone works perfectly. Also, I don't wear a watch. Haven't since I started going to college. I can see so...
by ray.james
Wed Mar 11, 2015 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 355
Views: 22096

Re: Not Interested in Ever Owning Real Estate

My parents did somewhat similar. My dad moved through his working years. Always rented.
Now although not retired, they bought a house recently. He says this is his final job. They bought a new built one, so they don't have to worry about everything in next 15-30 years.
by ray.james
Wed Mar 04, 2015 4:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Not Interested in Ever Owning Real Estate
Replies: 35
Views: 3490

Re: Poll: Increasing international equities

401k/roth:
25% large domestic
25% small domestic
25% international large
25% small international.
No bonds.

cash for 5 year targets/down payment, etc.,
by ray.james
Wed Mar 04, 2015 4:47 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 4031

Tools/websites that provide intersection of ETF's

Are there any tools/websites that provide the intersection companies given 2 ETF's.
I have used morning start to see how the allocation of ETF's across small/large/value/growth. But wondering for TLH purposes are there any tools that find the difference in the companies held by 2 ETF's.

Thanks.
by ray.james
Tue Mar 03, 2015 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: Tools/websites that provide intersection of ETF's
Replies: 1
Views: 213

Re: Life events downturn

RadAudit's suggestion on term insurance is an excellent idea. For investments, vanguard has something called lifestratergy funds. These are a bit different from retirement funds whose allocation is 70-80% stocks at your age. I would recommend to take a look at - Vanguard LifeStrategy Conservative Gr...
by ray.james
Mon Mar 02, 2015 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Life events downturn
Replies: 15
Views: 1943

Re: Buying a home in SF Bay Area

Hello, One of my friends who used to live in foster city, moved to Belmont hills. His rent for 1Bed 1Bath used to be 1800. The latest renewal ask for 2350. He moved from 700 sqft to 1100 sqft town home(2B/2Bh) in Belmont and is not paying 2500. San carlos, Belmont hills, even the 280 side have very ...
by ray.james
Wed Feb 25, 2015 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 4592

Re: Vanguard brokerage tax forms changed to late Feb. questi

Glomar wrote:FYI for those still waiting on Vanguard 1099's: mine finally appeared this afternoon for downloading when I logged into my account.


I did not get an email, but saw this when I logged in.
by ray.james
Wed Feb 25, 2015 1:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 95
Views: 8126

Re: Luxury Car

Infiniti Q60/Audi A6 fully loaded.
In college I dreamed of G37. Now no more passion for sports car. If I had some good spare money after planned investments, will take a vacation.
by ray.james
Mon Feb 23, 2015 3:00 am
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5846

Re: Why do companies match 401K contributions?

Dollar for dollar, the expenditure is same for company. Is it, really ? For employees that are maxing out social security taxes, I believe you are correct. But for employees that don't max out SS taxes, increasing their salary also increases the employer-paid portion of social-security taxes, but a...
by ray.james
Fri Feb 20, 2015 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4607

Re: Why do companies match 401K contributions?

Dollar for dollar, the expenditure is same for company. If the same 1% increase is given as salary raise, the employee only receives a portion after all taxes. Once the basic needs are met, people would love to have 401k matching/education benefit etc so that these are paid by company pre-tax. Becau...
by ray.james
Thu Feb 19, 2015 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4607

Re: Help me find my friend !

Google "susie smith" IBM, or "susie smith" forks high school, anything you can think of. Good suggestions given, if her name is common, try relative of unusual name with hers, social media, friends, home towns, Social security death index, switchboard, college alumni references,...
by ray.james
Thu Feb 19, 2015 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3360

Re: vanguard forfeited all my dividends and capital gains

When you open an account, you choose non resident alien along with providing citizenship details(HEART act..i think). However from what I know, vanguard allows this as long as there is a residential address in the united states. This is legal and the above additional details are for US govt. tax eva...
by ray.james
Mon Feb 16, 2015 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: vanguard confiscated all my dividends and capital gains
Replies: 17
Views: 3980

Re: Shouldn't bond fund holders celebrate if rates go up?

if one holds an intermediate bond with avg. duration 5 years. Does that mean the drop in fund value will recover in 5 years with the new yield?

If so, then cash seems to be better than bond "if" interest rates rise and they can be timed.
by ray.james
Fri Feb 13, 2015 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 5239

Re: Costco/AmEx relationship ending. New Costco MasterCard?

Looks like my new citi 2% Master will be the new card for costco after amex ends.
I am bit sad that I have to carry old Amex around which was one of my old credit card and highest limit.
by ray.james
Thu Feb 12, 2015 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 133366

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Signed it. He is the only one out there for common retail investors. Cannot understand why the index fund inventor, was not awarded already.

Also, I cam curious, Are there any restrictions on the citizenship/location of the people to sign?
by ray.james
Thu Feb 12, 2015 12:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 12417

Re: How much is a safe car worth?

To the OP.. rather then looking for the safest vehicle out there in a price range you can afford, look for a vehicle that has good safety ratings, one that you like and which fits your family's needs. THEN sign up for a professional defensive driving class where you will learn how to drive and safe...
by ray.james
Tue Feb 10, 2015 3:44 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9423

Re: How to make this fair: gifting to kids with different me

I think it comes down to How much inheritance/ help and for what needs of the kids. Like someone posted in the thread it matters if it is 100K or 2 million dollars getting split. It also matters whether the help is going for a grand kid education, a house payment or mismanaged expenses for them whil...
by ray.james
Mon Feb 09, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9251

Re: If you like a job but the company has financial issues..

How good of relationship do you have with your supervisor? I've been in a very similar situation. Had a great working relationship with my boss, and other higher ups. Decided one day to just have a candid discussion with my boss about the health of the company. It was as clear as day after that dis...
by ray.james
Sat Feb 07, 2015 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you like a job but the company has financial issues....
Replies: 18
Views: 1879

Re: How much was your Tax Refund (or amount DUE)

I adjust my deductions as accurately as possible. Sometimes changing once a year so that tax owed is zero. Last year I owed $7. This year $46(Miscalculated my account opening bonus from chase as next year). I wish I can figure how to do that same with state. Pretty complicated given deductions etc.,...
by ray.james
Sat Feb 07, 2015 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7707

Re: The cult of PE10 - so what?

Actually, I was impressed by the superiority of the B&H strategy over the different market timing tactics, that's why I wanted to discuss it. In that case you need to find out what the average exposure of each strategy was to equities and compare each with a suitable benchmark. For example your...
by ray.james
Tue Feb 03, 2015 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: The cult of PE10 - so what?
Replies: 99
Views: 7147

Re: 3 must have car safety/'Convenience safety' features

I didn't vote for any of these. Sensible driving, good brakes and tires are far more important imo. I am not undermining any of it. The poll is trying to see the new features that car makers are running after and what people would value. Should have mentioned it as new features coming to market in ...
by ray.james
Mon Feb 02, 2015 11:15 pm
 
Forum: Personal Consumer Issues
Topic: 3 must have car safety/'Convenience safety' features
Replies: 36
Views: 2765

3 must have car safety/'Convenience safety' features

The poll goal is to see what people perceive as most important for safety. Some of the choices like crosswind stabilization or pedestrian alert are only in 1/2 vehicles today. I thought of adding all wheel drive, but decided that will sway snow areas from sunny areas. There are other features that h...
by ray.james
Mon Feb 02, 2015 3:24 pm
 
Forum: Personal Consumer Issues
Topic: 3 must have car safety/'Convenience safety' features
Replies: 36
Views: 2765

Re: Are any US-only investors having 2nd thoughts?

Emerging markets have been doing far better :happy
by ray.james
Tue Jan 27, 2015 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4680

Re: Intuit Turbo Tax Refund

Just FYI, Last year I used online version. Since I did n't want to reenter all my other forms(I got 1099 last on Feb 17th) I paid for premier. Intuit is saying it will not refund for me since I am premier customer already. Good thing I just wanted to see if they changed their behavior or just strate...
by ray.james
Fri Jan 23, 2015 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Intuit Turbo Tax Refund
Replies: 23
Views: 2249

Re: What will happen to international stocks if a Euro break

From stock market standpoint, it would just be fine after some zig zag days. A good chunk of index is made up of companies incorporated in countries which would befit from strengthening currency. So are revenues which will be the same OR see-saw for some companies. For weaker countries like eastern ...
by ray.james
Wed Jan 21, 2015 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: What will happen to international stocks if a Euro breakup?
Replies: 23
Views: 1686

Re: Why are fruits not cheaper in California?

During summer I was able to get strawberries for 5$(three small baskets) that usually retail for 10-12$ in stores. Same with apples and apricots. 1-2 for a dollar. Bag of cherries for $5 at farmers market/ farms on freeway which is usually $8 at stores. ( http://myplasticfreelife.com/images/farmers-...
by ray.james
Tue Jan 20, 2015 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Why are fruits not cheaper in California?
Replies: 28
Views: 1763

Re: using your 401(k) for emergencies

The author quoted a financial adviser suggesting you make nondeductible contributions to your 401(k) so if one day in an emergency you need money then that portion attributable to your nondeductible voluntary contribution can be taken out at any time with no tax implications. Taxes cannot be escape...
by ray.james
Mon Jan 19, 2015 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: using your 401(k) for emergencies
Replies: 4
Views: 328

Re: Suze Orman: $100 into $860k, and cfiresim

I think the real costs are more than that if you include tax and live in any major city. I would put a chipotle meal as a benchmark...or a subway which are the regular fast food that I feel like eating. A chipotle burrito cost is 6.7 + tax here in northern CA. Add guacamole, that goes up to ~10. wit...
by ray.james
Mon Jan 19, 2015 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5374

Re: Debate: Roth 401k vs Trad 401k

My decision was much easier for 401k since I am paying 9.3 CA tax. If I move out of CA which is a very good possibility at some point, I can just convert to roth at 10% less taxes. Heck I can even withdraw and think 10% penalty as CA tax. :twisted: For IRA, I do roth IRA only, since 401k + match is ...
by ray.james
Thu Jan 15, 2015 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debate: Roth 401k vs Trad 401k
Replies: 26
Views: 1862
Next

Return to advanced search