Search found 272 matches

Return to advanced search

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: 2095

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: 1558

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: 1662

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: 307

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: 5106

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: 1772

Re: Taxact ultimate version $6

I wish this came up few days ago. I ordered mine last week. But still the price for everything is far less than what I paid for TT deluxe last 5 years. While the interface is not the best, no serious complaints though. I might go with taxact this year.
by ray.james
Thu Jan 15, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 45
Views: 2710

Re: Self-driving cars a threat to Buffett's empire

I expect the real disruption from self driving cars will be to people who drive for a living not the insurance companies. Truck drivers, delivery drivers, taxi drivers, mail carriers, etc. There are millions of people in this country who earn their living behind the wheel. Those are the individuals...
by ray.james
Thu Jan 08, 2015 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Self-driving cars a threat to Buffett's empire
Replies: 24
Views: 1996

Re: Anyone withdrew Roth IRA contributions?

I went through the same situation like this with IRS. Here is my ordeal: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=142634 In short IRS needs correct form information to be filed as part of our taxes to exclude any distributions as contributions. If not they view them as taxable distri...
by ray.james
Thu Jan 08, 2015 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone withdrew Roth IRA contributions?
Replies: 7
Views: 1218

Re: Self-driving cars a threat to Buffett's empire

If you look at new mazda's, once you are on freeways and on cruise, they slowdown with previous cars, brake automatically, alert if new car is trying to cross in to your lane. This is 2015 model. Audi 2016 model pretty much did the same with minor bells and whistles. The new tesla-d automatically cu...
by ray.james
Wed Jan 07, 2015 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Self-driving cars a threat to Buffett's empire
Replies: 24
Views: 1996

Re: [Annual POLL] What was your 2014 return?

~2% in IRA which have international tilting.
~11% in 401k where the TR fund uses Reits and US heavy.

~5% overall. Dividends helped.
by ray.james
Mon Jan 05, 2015 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14070

Re: Supporting the Operating Costs of the Forum

I think it is important to distinguish what Vanguard founder, our beloved Mr Bogle believes in vs a company he has started and owned by company's fund holders. Mixing them both is a bad idea. This is a corporation and not a MLP/private entity to do what people believe in. That said there is a non pr...
by ray.james
Wed Dec 24, 2014 3:53 pm
 
Forum: Forum Issues and Administration
Topic: Supporting the Operating Costs of the Forum
Replies: 35
Views: 4414

Re: ER changes at Vanguard

livesoft wrote:^Good point! I do not know. But we do know people pull money from underperforming funds. :)


I Increased assets because I re-balanced. Hopefully everyone did same :P
by ray.james
Tue Dec 23, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: ER changes at Vanguard
Replies: 9
Views: 1948

Re: ER changes at Vanguard

Disappointed with no updates to ER for international funds. Most sector/specialty funds had downward revision.

Thanks for the post.
by ray.james
Tue Dec 23, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: ER changes at Vanguard
Replies: 9
Views: 1948

Re: BOGLEHEAD CONTEST -- November 2014

While I never won any year, I came up short almost every year. I must be a very pessimistic person :D
Good thing that I am boglehead.
by ray.james
Tue Dec 23, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November 2014
Replies: 41
Views: 5559

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

OP's non-working spouse is definitely eligible for a deductible IRA contribution. They're tens of thousands of dollars under the phaseout. OP's federal marginal rate is high: 32.5% Homework assignment: why is the OP's federal marginal rate 32.5%? Hint: the OP can reduce his marginal rate by making ...
by ray.james
Fri Dec 19, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 58
Views: 5456

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

Also Beware of spreads on the ETF class. On RBD it will the less at 0.05% and on RGD it can be as much as 1% difference from the actual value of the assets underneath. In my experience, as trading volume increases, the spread decrease. Bottom line it is 2$ difference on 1K, so I decided not to bothe...
by ray.james
Thu Dec 18, 2014 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's International Small Cap Fund -ETF vs Mutual Fund
Replies: 17
Views: 2026

Re: RBD in Emerging Markets Brewing

so are east and southern Europe which make another 20%. I don't think this is right. What countries are you including here? sorry I put it wrong. I meant East Asian and southern Europe. 6% - Poland, Turkey, Czetch, croatia etc. Asia pacific countries make another 15% which are heavy consumers of oi...
by ray.james
Mon Dec 15, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 37
Views: 3606

Re: RBD in Emerging Markets Brewing

The currency markets were crazy today. In reality internationals and emerging have lost only 0.5% last night in their own exchanges. Something tells me, emerging markets will pull back strongly next year, since only 15% of its index depend on oil with Russia, Nigeria and UAE being the players. For C...
by ray.james
Mon Dec 15, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 37
Views: 3606

Re: Why So Many Used Prius for Sale?

Another factor of which I have become aware is the car leasing thing. Not sure how it works in the US but in the UK it appears everyone now leases (new car buyers). Therefore the 'cost' of the car to them is the 200-500 pounds a month, say, of the 4-5 year lease, at which point they 'trade in' the ...
by ray.james
Mon Dec 08, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7025

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

I think it is wrong to correlate that US companies deriving revenue from international is same as diversified across countries. The same can be argued from roman empire merchants, Chinese silk roads to present day Japan. In case of Japan, their economy is almost 70% exports, >50% revenue from across...
by ray.james
Mon Dec 08, 2014 4:26 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13173

Re: Strong Dollar Clobbers Returns of Foreign-Stock Funds

As a holder of these, I'm not really seeing a buying opportunity at this point, even though the returns have been less than expected due to currency fluctuations. I'm not rebalancing into international. Can you explain why you do not consider these not a buying opportunity? Is it because that are n...
by ray.james
Wed Dec 03, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: Strong Dollar Clobbers Returns of Foreign-Stock Funds
Replies: 26
Views: 2697

Re: lending club

Are the losses considered capital/business losses?

I am presuming the profits are taxed at marginal rates and no capital gains rates apply, since these are not considered passive investments.
by ray.james
Wed Dec 03, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 4461

Re: International Stock Diversification — A New Look

+1. This post in 3 years had the most significant impact on the way I am thinking of my stock allocation. My IPS had to add an additional 5-10% EM. I haven't done that, since any slice I plan to have must be atleast 50k. I am not interested in slicing and dicing for smaller amounts. However if the g...
by ray.james
Mon Dec 01, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 7895

Re: California Savings Plus 401k Target Date Funds

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

Also I think they have 1 active and 1 passive for every category. Having 2 tips and 2 bond funds is quite funny. What is the expense ratio charged for this?
by ray.james
Mon Nov 24, 2014 2:59 am
 
Forum: Investing - Help with Personal Investments
Topic: California Savings Plus 401k Target Date Funds
Replies: 8
Views: 851

Re: FSA gains $500 rollover feature

I was talking to HR at my company. The way the end company implemented it, the 500$ rollover is only for 1 year. So if I do not use the money at all, it doesn't rollover again. Just thought people might mistake the way rollover happens.
by ray.james
Mon Nov 17, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 42
Views: 3769

Re: 27 yr old reaches $1m net worth

You know the part that disturbs me: The initial story stated that he beganinvesting early after watching his parents mismanage money. Now we find out that his parents were the ones that gave him his inheritance. And that they died a couple of years ago. What a horrible way to dishonor your parents ...
by ray.james
Mon Nov 17, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 12982

Re: International Stock Diversification — A New Look

Larry/simplegift

Is there any research on currency fluctuations impact?

All currencies seems to be strongly correlated and go u/Down together against dollar.
by ray.james
Wed Nov 12, 2014 3:47 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 7895

Re: International Stock Diversification — A New Look

This is a very interesting post. Really makes me question my allocation. I use 50%/50%.
I would hope/expect that US revenue impact is atleast 40%; going by matketcap distribution of USA among total invest-able market :?
by ray.james
Mon Nov 10, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 7895

Re: International Stock Index Potential

The clues are in dollar index Dow Jones FXCM Dollar Index. Because of currency strength, the gains in international are dwarfed. Also, this impacts large vs small cap inversely. Small caps rely more on local currency sales. Explain the VSS relative performance to total international. Apples to oran...
by ray.james
Sat Nov 08, 2014 5:49 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 23
Views: 3163

Re: International Stock Index Potential

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

Because of currency strength, the gains in international are dwarfed. Also, this impacts large vs small cap inversely. Small caps rely more on local currency sales. Explain the VSS relative performance to total international.
by ray.james
Fri Nov 07, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 23
Views: 3163

Re: Estimating Future Investment Returns — On a Napkin

Wonderful thread simplegift. Thank you. Since this is my first decade of accumulation, it helps emotionally to expect less. 1) The dividend yield is independent of the earnings growth. When the dividend yield is down, it means growth is down. 2) The dividend yield and earnings growth numbers are ind...
by ray.james
Thu Nov 06, 2014 3:37 am
 
Forum: Investing - Theory, News & General
Topic: Estimating Future Investment Returns — On a Napkin
Replies: 79
Views: 6052

Re: 27 yr old reaches $1m net worth

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

Would still his hardwork and LBYM to reach that high new worth are impressive.
by ray.james
Tue Nov 04, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 12982

Re: Ashley Furniture

Has anyone here bought furniture from Ashley Furniture Store? We went there recently and liked the stuff, even though it seemed a bit more expensive that other stores. I don't mind spending the extra money if product is of good quality. Any reviews you guys can give? Thanks. http://www.consumeraffa...
by ray.james
Mon Nov 03, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3723

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

I bought some international, rebalanced international. They had 15% drop. So far rewarded nicely. If only dollar stops becoming that green big hulk guy, rewards will be stunning. :D The human psychology can easily forget rapid events. Especially, me as human seems to have hindsight of badgermole. On...
by ray.james
Fri Oct 31, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4541

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

I'm nearly 71 but I don't have to take RMD's as I'm working for the company where I have my 401K. This is the one exception to the rule that you have to take RMD's at 70 1/2. My company's Plan requires the Roth contributions to be in the 401K for 5 years before I can roll them over. So they will co...
by ray.james
Sun Oct 26, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7891

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

More money on which to pay RMDs! I'm exempt at the moment as my 401K is with my current employer. I'm not making Roth 401K contributions as they will count towards RMDs unless the money has been there for 5 years . I plan to retire in 4 years. confused...How will they count towards RMD? could you e...
by ray.james
Thu Oct 23, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7891

Re: Mr. Market turns on Amazon

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

But yeah at 75B revenue they better show atleast 1% profit :P
by ray.james
Thu Oct 23, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4587

Re: Headed for a 300+ point loss today?

I transferred some money to taxable account...banking on the fact that this is a month of 3 biweekly checks. International looks very good to me...I will take 4% dividend, and not care if it goes more lower. As it turns out...my contributions over last 2 years are barely in positive purely due to di...
by ray.james
Wed Oct 15, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36905

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

Nisi, I think using Reit's data only from 2008/2009 could skew the outcome and magnify reits being more risky. Since the crisis itself is based on sub prime lending. That said they are riskier than total stock. I am surprised international are rated as risk 5 and not 4. I thought it was emerging mar...
by ray.james
Tue Oct 14, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4119

Re: Exercise Posts

I am 28 now and I was gifted a bull worker by my eldest uncle who is in late 50's now. It was gift, when I was in first of college. These things last quite long. Last I knew, it is still in my younger cousins house in good condition; after 25-30 years and 5th user. It was little boring to use all by...
by ray.james
Tue Oct 07, 2014 2:09 am
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2543

Re: Health Care FSA Questions

As per IRS, they will need a receipt which states the procedure/services are used with date. Just a credit statement for medical would not suffice. I would wait for other members to confirm this/if anyone has success otherwise. I am not sure about your amount, but FSA can only be 2500 per person/500...
by ray.james
Sat Oct 04, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA Questions
Replies: 5
Views: 455

Re: Health Care FSA Questions

Hello sunnyday, Unfortunately that is not possible. FSA funds only pay for the current year expenses(you can only make claims until next year January). If there are post expenses like therapy for few months etc, you can probably manage to have them into next year. Fsa money goes back to employers fr...
by ray.james
Sat Oct 04, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA Questions
Replies: 5
Views: 455

Re: HSA in foreign country

Preface: I do not know the legal answer, but a mere opinion. I have wondered the same thing about the 529 plan, 401k. From what I understand, a US citizen/non us citizen always have the same benefits on Taxation and need to file taxes for US sourced income . However the foreign government would not ...
by ray.james
Sat Oct 04, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: HSA in foreign country
Replies: 3
Views: 485

Re: GF leaving advisor, help needed

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

Vanguard shouldn't charge for rollover and was able to merge my multiple 401k rollovers. But Wells Fargo might charge exit fee per account. Sometimes 150-300$.
by ray.james
Sat Oct 04, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: GF leaving advisor, help needed
Replies: 22
Views: 2675

Re: Pizzasteve and others: my real estate question

I'll also just state the question underlying this real estate pondering: I'm trying to evaluate our investment options once we sell the house and have a larger pot of money to manage than we have ever had before. So far I see it as: 1) invest in stocks/bonds/??? mix 2) buy a rental property 3) comb...
by ray.james
Sat Oct 04, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to look at real estate ROI
Replies: 21
Views: 2697

Re: JPM Chase hacked

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

http://investor.shareholder.com/jpmorganchase/secfiling.cfm?filingID=1193125-14-362173
<unlike usual 8K's, this is simple to read :) >
by ray.james
Thu Oct 02, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: JPM Chase hacked
Replies: 13
Views: 2230

JPM Chase hacked

JPM chase was hacked in June/July. Details: http://dealbook.nytimes.com/2014/10/02/jpmorgan-discovers-further-cyber-security-issues/ Compromised details: Phone numbers, addresses, names. 76-85 million customers. As per regulatory filings this seems more than just checking and savings account total. ...
by ray.james
Thu Oct 02, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: JPM Chase hacked
Replies: 13
Views: 2230

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

I am 50% international, so last month was close to 3.5-4% loss in 1 month(10% in international small over 3 months.). It was a bad feeling. However, today morning I am back to OK. Every first week of the month, I open my excel, enter the round figures of account balances(401k, roth etc) and write a ...
by ray.james
Wed Oct 01, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2735
Next

Return to advanced search