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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: 1705

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: 4159

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: 89
Views: 5917

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: 5443

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: 4304

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: 4304

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: 3220

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 forfeited all my dividends and capital gains
Replies: 17
Views: 3860

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: 5003

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: 56
Views: 13699

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: 165
Views: 9227

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: 9005

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: 8897

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: 1825

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: 7191

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: 7047

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: 2543

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: 2543

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: 4568

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: 2174

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: 1625

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: 1719

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: 317

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: 5194

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: 1822

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: 46
Views: 2995

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: 2013

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: 1227

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: 2013

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: 14422

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: 4556

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: 1952

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: 1952

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: 5576

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: 5513

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: 2048

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: 3650

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: 3650

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: 7109

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: 13231

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: 2726

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: 4764

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: 8012

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: 878

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: 3783

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: 13175

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: 8012

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: 8012

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: 3206
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