Search found 344 matches

by ray.james
Thu Jul 02, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loans getting out of control?
Replies: 6
Views: 859

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: 1750

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: 7873

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: 7873

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: 3826

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: 2146

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: 1489

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: 1489

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: 3534

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: 3534

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: 2353

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: 4874

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: 6801

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: Ask Your Questions here for the Jack Bogle Q&A @ Bogleheads Conference
Replies: 38
Views: 6205

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: 1182

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: 11
Views: 1948

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: 959

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: 790

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: 8585

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: 905

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: 905

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: 1890

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: 2177

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: 1890

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: 1890

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: 2731

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: 2731

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: 3118

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: 3355

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: 5566

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: 3213

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: 377
Views: 60951

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
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: 460

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 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: VWO vs VEMAX (Emerging Market) - why they move differently?
Replies: 4
Views: 460

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
Tue Apr 14, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5709

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
Mon Apr 13, 2015 5:14 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6130

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 5:09 am
Forum: Investing - Theory, News & General
Topic: Poll: do you own individual international stocks?
Replies: 25
Views: 1848

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
Sun Apr 12, 2015 2:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6130

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
Fri Apr 10, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paying college costs using IRA- Avoiding 10% penalty
Replies: 10
Views: 704

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
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: 12442

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 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications -spouse working remotely to different state
Replies: 6
Views: 809

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
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: 3741

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
Thu Apr 02, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 4237

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 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications -spouse working remotely to different state
Replies: 6
Views: 809

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
Wed Mar 25, 2015 1:12 pm
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 49
Views: 4604

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
Mon Mar 23, 2015 3:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ex-US Small Cap Value Petition
Replies: 24
Views: 3451

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
Tue Mar 17, 2015 3:52 pm
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 6432

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
Thu Mar 12, 2015 4:54 pm
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 10340

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 12:48 am
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 5447

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
Wed Mar 11, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 398
Views: 31271

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...

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