Search found 192 matches

Return to advanced search

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

My comments were (and are) aimed primarily at the slice-and-dice crowd, and had nothing to do with REITS or LT Bonds. In fact, my 2000 exchange on M* with my good friend, Larry Swedroe (a proponent of S&D), was that mid-caps alone might be a better choice for investors than any combination of l...
by ray.james
Mon Apr 21, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 38
Views: 2712

Re: Do you use a dry powder/tactical asset allocation strate

I don't have any certain strategy but did think about it. If P/E is under 14 due to market decline...I will route my new money to that stock/asset class only, and may tilt by 5-10% to it, at under adjusted P/E 11 levels. I don't base on market drops. The only asset class right now at low levels is E...
by ray.james
Mon Apr 21, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you use a dry powder/tactical asset allocation strategy?
Replies: 23
Views: 1797

Re: POLL: why carry cash?

In ca, when I drive along CA-1 etc, I try to stop at ice cream, roadside mom and pop shops that only take cash. but the amount never goes more than 100 and replenish once it goes under 20.

Also a Indian and Thai restaurant in our place...gives 5% discount for cash.
by ray.james
Sat Apr 19, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 216
Views: 6921

Re: *poor* Bogleheads

Every once in a while when I see networth, 100K by age etc threads, I share the feeling you mentioned. Out of school for 6 years, I still have a lot of friends struggling. . However in most cases people post their question and a lot of bogleheads respond with sound advice to their "situation&qu...
by ray.james
Fri Apr 18, 2014 5:13 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5324

Re: Did not have fun this year doing my taxes- TT

Taxes in general were never fun. TT was always good for me. Few more questions on Health insurance(I believe due to new law); Roth Ira excess removal - was painful with confusion and double checking were this years highlights. I still think TT was most friendly until, we learn the tax law basics. Th...
by ray.james
Tue Apr 15, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did not have fun this year doing my taxes- TT
Replies: 42
Views: 4040

Re: I saw a "Boglehead" on my flight yesterday!

In 2011, my company switched its 401k plan in to offering a 1 fund per asset class with 7 funds total + brokerage account from 22 funds. The effect was also a move from 5 vanguard funds to 1. A few days later on the internal-site someone started a thread titled, "Bring low cost vanguard back&qu...
by ray.james
Thu Apr 10, 2014 4:02 am
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7640

Re: Car recommendations - Mazda6, accord, Prius

englishgirl, cubedbee

Thank you. I was a bit worried about the lumbar support from reviews, but if that bothers me that much, I can add an after market one.
I realize it is not the most fun car....but well, for me a car is just point A to point B.
by ray.james
Wed Apr 09, 2014 2:23 am
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 1786

Re: Car recommendations - Mazda6, accord, Prius

Hybrids are a bad choice for long drives. If that's going to be the majority of your driving, a Prius would essentially be your car with 1000 pounds of weight doing nothing. An accord, same story, just added cost and weight over a standard accord. Hybrids shine when you are stopping a lot and waiti...
by ray.james
Wed Apr 09, 2014 2:19 am
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 1786

Re: Car recommendations - Mazda6, accord, Prius

Thank you for the thoughts. I am going to test drive Prius and Mazda6 this weekend hopefully. One of the reasons I am considering hybrid, Me and my fiance will be moving in together soon. Depending on our job I foresee big city driving for 15-25 miles, one way. Also while mileage on freeways is good...
by ray.james
Wed Apr 09, 2014 2:16 am
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 1786

Car recommendations - Mazda6, accord, Prius

Hello everyone, I drive an 6 year elantra now which is still under 60k miles. Got it out of college second hand for 10K and it served well. These days I am frequenting for long trips and looking for a convenient car with a good mileage with better handling and mileage. I have narrowed down to these ...
by ray.james
Tue Apr 08, 2014 6:29 am
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 1786

Re: road trip with kids, Northern California

Sacramento: Take them to Vic's Ice Cream for lunch on the day you go to Fairytale Town. (It's nearby.) Try to get there early if it's on a weekend. Definitely spend a little time walking around Old Sac (not just the train museum). It's kitschy but cool too. Do you happen to be staying at the Embass...
by ray.james
Fri Apr 04, 2014 2:28 am
 
Forum: Personal Consumer Issues
Topic: road trip with kids, Northern California
Replies: 12
Views: 696

Re: Laid off today... TODO list?

Sorry about the sad news. When the companies give severance packages, they usually do so with continued health benefits for current year. Depending on the state law, this will be covered by Corba/employer for the current quarter/year. You can extend the plan for further 18 month, but in your case, w...
by ray.james
Thu Apr 03, 2014 5:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9678

Re: Bailing On Pimco Bond?

I hope people realize that underlying fund is loaded with MBS and treasuries but uses leveraged investments. In 2011, last when I researched it, it was 125% invested to 100% money using leverage on intermediate treasuries. Then when fund lost badly, gross deleveraged it slowly. I actually had a inte...
by ray.james
Wed Apr 02, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 1976

Re: Bogle: Tilt To Corporates For More Yield

I would be a bit concerned with reduced diversification rather than yield return. Treasury are the safest, but they are still 1 country's 1 type of debt and "if" they overload the "total" bond fund...I would be concerned... Sunny days never last forever as seen from roman empire ...
by ray.james
Tue Apr 01, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 64
Views: 6034

Re: New Housing Bubble and upcoming cycle peak

Real estate is local... in many areas around the Southeast, prices are still below 2008 levels nominally. Even with the recent uptick, if you adjust for inflation, many areas have still not recovered. It sounds like California, and a couple of other areas are the exception. Although the California ...
by ray.james
Fri Mar 28, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 74
Views: 6377

Re: New Housing Bubble and upcoming cycle peak

In california home price increases are cooling off. Inventory is still low, and a lot of house permits are being issued. Treasury notes continue to rise, increasing monthly payments, which will decelerate this, in my view. I always wonder, how increasing rates in future/current low rates - will impa...
by ray.james
Tue Mar 25, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 74
Views: 6377

Re: Personal experience with lost bags at Newark Airport

When I visit busy streets in Spain/India/Brazil - I use front pocket to keep my valet. Very safe for jeans. A cashiers check of 100$/related currency, passport copy, etc in the backpack/checked baggage for foreign travels. Once I had engagement ring in my carry on and saw the security guy moving the...
by ray.james
Wed Mar 19, 2014 6:01 am
 
Forum: Personal Consumer Issues
Topic: Personal experience with lost bags at Newark Airport
Replies: 17
Views: 2726

Re: Ding! Check engine light is now on. [PE10 exceeds 25]

What is the number on Y axis? Normalized PE10?
by ray.james
Tue Mar 11, 2014 7:20 pm
 
Forum: Investing - Theory, News & General
Topic: Ding! Check engine light is now on. [PE10 exceeds 25]
Replies: 108
Views: 10568

Re: Why the love for target date funds?

I started with 3 funds and ended with target data fund. After all my analysis, it turned out, my desired AA is only +/- 3-5% from the Target data funds. Over time I also realized, I wanted international close to 50% of stock, so I tilt in roth to international. When I started investing, I have no id...
by ray.james
Mon Mar 03, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 3652

Re: Like button for this site?

I don't think "like" is exactly what people are proposing but, there should be a way to do something like "+1" for the posts that contain information helpful forever... I think reading the complete thread; all threads returned by search questions is one way - However bogleheads t...
by ray.james
Fri Feb 28, 2014 7:41 pm
 
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 69
Views: 3742

Re: Took the Plunge, Bought an Accord Hybrid

I am also looking at this car to see if the mileage is worth the cost.
I am torn between accord and Mazda6. Although I am atleast 4-6 months away from car purchase.
by ray.james
Sun Feb 23, 2014 4:48 am
 
Forum: Personal Consumer Issues
Topic: Took the Plunge, Bought an Accord Hybrid
Replies: 45
Views: 3927

Re: $16 Billion for WhatsApp?!?!?!

43$ per user is too high! takes a lot of years to make it back. whatsApp is defacto in most of the emerging markets/international markets as messaging service compared to US where people can afford Apple products(iMessaging). One thing is sure...I don't want facebook to know Phone numbers of all my ...
by ray.james
Thu Feb 20, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: $16 Billion for WhatsApp?!?!?!
Replies: 51
Views: 3710

Re: Bogleheads and Fast Food

ahhh when in college subway(with coupons) used to be once a day.

These days chipotle once a week. When travelling probably taco/burger king/wendys but still chipotle/subway takes the first choice.
very rarely every few months, I crave for the chick-fill-a sandwich.
by ray.james
Tue Feb 11, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads and Fast Food
Replies: 77
Views: 4444

Re: Pay off student loans or contribute to roth ira?

toto, the way I see it is - 0.068* 30000 = 2040$ (interest on 3/4th of loans). Granted this is simple interest, instead of putting in roth by paying off loan you will eliminate 240$ of interest payment +compounding values over the years down the road. This is a very good return. The lower interest l...
by ray.james
Wed Feb 05, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans or contribute to roth ira?
Replies: 18
Views: 2229

Re: Gift tax question

Hi pacific,

Sorry about the error. Form 3520 is not needed since it is an individual. For some reason in my mind, I had these number swapped..(would make sense on who might have the money, but IRS is regulating something else entirely :) )

Regarding vanguard account, I do not know for sure.
by ray.james
Fri Jan 31, 2014 3:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 10
Views: 839

Roth IRA excess with rollover roth 401k

Completely baffled by the forms I am flipping through. Please correct/advise me. While my income always qualifies for roth ira, due to a job change I am facing a frustrating situation this year. My AGI falls in the roth ira reduced income range. I am trying to figure out how much to remove, given I ...
by ray.james
Fri Jan 31, 2014 3:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA excess with rollover roth 401k
Replies: 2
Views: 181

Re: Does anyone have a bat house?

I have no idea what a bathouse was and imagined a bunch of things when I clicked on this thread. :D
Never knew those little things can be of so much help. Always grew up in the middle of city.
by ray.james
Thu Jan 30, 2014 4:38 am
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1831

Re: Gift tax question

Yes, you are correct . This is not a taxable event. For this particular reason, immigrated citizens in USA gets assets passed through with out taxes.(home country laws apply to their parents) However, the daughter needs to report this to IRS using form- 3520. http://www.irs.gov/Businesses/Gifts-from...
by ray.james
Thu Jan 30, 2014 4:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 10
Views: 839

Re: Age in Bonds - Who Follows a Different Strategy?

I use TR funds, which seems to use age-10.

If I use something else in future...my plan is 25% bonds by the time I am 40; 40% at age 50 and stay there until retirement.
by ray.james
Tue Jan 28, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 6600

Re: My annualized returns are better than yours. Why?

Mr. Critical, If I have to guess, your portfolio shows 24% online in wherever you use adviser probably because - you contributed money during the year and the returns would be adjust for that time frame. If someone contributed in pure value small cap funds last summer, they would see 50% returns by ...
by ray.james
Tue Jan 28, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6358

Re: Do Bogleheads see this market dip as a buying point?

I am quite surprised and how far I have come in 3 years. Until the threads started popping up on Friday, I have no idea market was down. Though I am glad automatic contributions went in Friday. Human psychology I guess. I may be tempted to buy if trailing& forward P/E both are under 14....by thi...
by ray.james
Mon Jan 27, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13434

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy 90th Birthday Taylor.

This forum and your posts enlightened and enriched my life far more than anything.
by ray.james
Thu Jan 23, 2014 6:41 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12671

Re: Digitizing old home movies...

Another +1 for yesvideo. My colleague did some of his old family videos there and had good things to say about it.
Also, it can be expensive if they need to convert all tapes.
by ray.james
Wed Jan 22, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Digitizing old home movies...
Replies: 24
Views: 1327

Re: Learning english grammar, writing/communication skills

sscritic, I wouldn't mind and be thankful for the suggestions.

My observations about reading magazines, I try to grasp the underlying information as quick as possible and does not pay attention to the language/construct. A habit very hard to lose.
by ray.james
Mon Jan 13, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Learning english grammar, writing/communication skills
Replies: 30
Views: 1432

Re: Best Boglehead lesson

A dollar saved is 2 dollars earned.

because taxes, investing costs, brokerage costs all try to take away the other one.
by ray.james
Mon Jan 13, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: Best Boglehead lesson
Replies: 74
Views: 5154

Re: Learning english grammar, writing/communication skills

Thanks for all the responses. Really actionable solutions. College/classes are probably not feasible at this time due to time limitations of active day hours, but I can spend time reading and writing. Will check if there are Udacity/online courses where someone can correct the essays for a fee. Most...
by ray.james
Mon Jan 13, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Learning english grammar, writing/communication skills
Replies: 30
Views: 1432

Learning english grammar, writing/communication skills

Hello everyone, I have been thinking for a short while how to improve my grammar and sentence formation skills. When I was a kid, I used to hate language classes and just got pass scores to make through. I was deeply interested in math and loved to work on problems for hours. But writing a essay is ...
by ray.james
Mon Jan 13, 2014 4:36 am
 
Forum: Personal Consumer Issues
Topic: Learning english grammar, writing/communication skills
Replies: 30
Views: 1432

Re: Target Breach, Updated

I used both my credit cards at target during that period. I am watching vigilantly. I have decided to use a new email service not linked to gmail for my investment and bank accounts. Just to add this to thread, the hackers did get the PIN numbers along with card numbers and expiration dates. However...
by ray.james
Fri Jan 10, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4271

Re: First time portfolio analysis

Your 401k match is really good!. Never miss it out.

Target retirement 2035 has 15% bonds, 25% international, 60% domestic stocks. And it would re_balance automatically for you. A simple single fund.
by ray.james
Fri Jan 10, 2014 4:17 am
 
Forum: Investing - Help with Personal Investments
Topic: First time portfolio analysis
Replies: 9
Views: 917

Re: Help with sibling's school loans

some of my friends use income based payments, which brought down payments from 300 to 80$. This is helping them to snowball loans one after another. I also believe, since he/she just started career, will get more income with time. (key being paying off and living on same rent.)
by ray.james
Fri Jan 10, 2014 4:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with sibling's school loans
Replies: 40
Views: 2070

Re: 2013: a bad year for pimco

Very informative thread.

Why do bonds have such a high turnover, even 80% for TBM? Do they need to return and undertake every bond for its old duration every year?
by ray.james
Fri Jan 10, 2014 3:57 am
 
Forum: Investing - Theory, News & General
Topic: 2013: a bad year for pimco
Replies: 26
Views: 2968

Re: [Poll] What was your 2013 return?

MnD,

How did you beat the benchmark by such margin? The contributions went in on lucky day?
by ray.james
Fri Jan 10, 2014 12:17 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8532

Re: World Stock Market's Greatest Hits

It is interesting that 3 in every 5 of those examples are due to/during/right after war.
If history stands true, the wealth of past empires reached accelerated growth by plundering other nations.
by ray.james
Fri Jan 10, 2014 12:14 am
 
Forum: Investing - Theory, News & General
Topic: World Stock Market's Greatest Hits
Replies: 26
Views: 1672

Re: "Should You Count Social Security as a Bond?"

Can social security be viewed as a pension instead of bond? I am also interested for math geeks here. Is there a way to say, for a younger person the probability of SS benefits being same is low/lower chance, so the 'current pension value' has to be discounted by x%. As one ages, the probability rea...
by ray.james
Thu Jan 09, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: "Should You Count Social Security as a Bond?"
Replies: 75
Views: 2868

Re: Calc site for S&P 500 DCA'ing from 2000 to 2014?

I have used http://www.buyupside.com/calculators/dollarcostave.php in the past. Indexes are a bit tricky as tries to purchase them as shares.
by ray.james
Thu Jan 09, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Calc site for S&P 500 DCA'ing from 2000 to 2014?
Replies: 2
Views: 198

Re: Bogleheads 2014 Hedge fund contest

Fund: Lirba fund

Long:
NOV - National Oil Well Varco
AGNC- american capital agency

Short:
SHLD - Sears Corp.
HLF - herbal life

edit: Realized entries are closed, I will still race on the ground just outside glass door. :)
by ray.james
Thu Jan 09, 2014 2:45 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 132
Views: 8757

Re: Geometric returns show bonds are a must for every portfo

very informative post with post notes. I read Ben Graham's intelligent investor before even knowing what a mutual fund exactly is. Even though a hardcore valuation investor, he advocated atleast 25% bonds at all times.

PS: Love the graphs. pleasant colors can make difference in presantation
by ray.james
Thu Jan 09, 2014 2:37 am
 
Forum: Investing - Theory, News & General
Topic: Geometric returns show bonds are a must for every portfolio
Replies: 13
Views: 1979

Re: CA state capital gains taxes

CA can be real hard on collecting taxes. When I moved for first job, I had half year of non-CA student income and half year of good income in CA. I remember calculating my CA income and/vs CA share of total year income and CA decided to go for the higher....so my for penny stock trades which I did w...
by ray.james
Wed Jan 08, 2014 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: CA state capital gains taxes
Replies: 18
Views: 4021

Re: Windfall advice

Accounting for interest and property tax deductions, at 2.6% mortgage rate, would payoff be always better ? Also given his age, with rising income, keeping mortgage around, would make sense. Comparing a average of 1.57% bond returns, this is a negative bond of -4% against opportunistic cost for expe...
by ray.james
Tue Jan 07, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Windfall advice
Replies: 27
Views: 1913

Re: Change one thing

Realistic: Sports/hobbies in college rather than couch potato with the limited free time.

Unrealistic: 1 year Euro backpack trips during college/early job breaks.
by ray.james
Tue Jan 07, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Change one thing
Replies: 29
Views: 1996
Next

Return to advanced search

cron