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Re: P/E Ratio: How do YOU interpret/use it?

I'm relatively new to finance and I've come across people using the P/E ratio in pretty wildly different ways. I just talked to someone who used to work as a financial advisor who told me that once a P/E ratio hits 40, then you should look to take your money out of stocks, because that is signaling...
by ray.james
Tue Jul 22, 2014 12:27 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1302

Re: Q&A with the Experts at 2014 Bogleheads Conference

Thank you Mel for doing this. 1) This is a broad question, but for a general discussion if you think it will yield something actionable/understand the aspects: Given the mantra, 'life style and spending won't increase without pay rises', would the future education costs continue to rise as rapidly. ...
by ray.james
Sat Jul 12, 2014 6:02 am
 
Forum: Investing - Theory, News & General
Topic: Q&A with the Experts at 2014 Bogleheads Conference
Replies: 24
Views: 7520

Re: EM Returns - long term

Given that most EMs only embraced capitalism 20-30 years ago, I wouldn't project these returns going forward. Emerging markets were really non-existent for most of those 114 years. Over the next 114 years, I'd expect them to become about 80% of the global stock market. As I noted in another thread,...
by ray.james
Thu Jul 10, 2014 3:00 am
 
Forum: Investing - Theory, News & General
Topic: EM Returns - long term [Emerging Market]
Replies: 34
Views: 3376

Re: Why do companies put up with high expense 401k choices?

At our workplace, I believe the 401k provider is not charging our company anything. There is flat fee of 15$ per 401k customer per quarter. Except TR funds which are at 0.1% everything else is in 0.4-0.8% range. While not horrible, given they charge for account fees, this is high. With 5-10k employe...
by ray.james
Thu Jul 10, 2014 1:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Why do companies put up with high expense 401k choices?
Replies: 15
Views: 1479

Re: Roth ira distribution unreported to IRS.

Hi Allan, Thanks for the response. The column 7 is showing "J". (early distribution of Roth). Also 2b is checked"Taxable amount not determined." I did not use 8880 before. However I cannot find 5498 from the old documents, which as per IRS is the form for my information. I am won...
by ray.james
Thu Jul 10, 2014 1:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth ira distribution unreported to IRS.
Replies: 4
Views: 811

Roth ira distribution unreported to IRS.

Hello everyone, I got a letter from IRS asking for back taxes for tax year 2011(transaction happened in 2011. taxes filed in 2012. Do we call this this tax year 12 or 11?). I forgot to file Roth IRA contributions and also removed the same money without profit. I am unsure how to prove this and repor...
by ray.james
Wed Jul 09, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth ira distribution unreported to IRS.
Replies: 4
Views: 811

Re: How many veteran investor have LARGE MAJORITY in three-f

I am 80% in three fund/vanguard TR equivalent which is a three fund portfolio. Only tilt is international small/emerging depending on value.
by ray.james
Wed Jul 09, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3787

Re: DOW history: companies by market share and decade(CNBC)

What happened in 2004? Was that caused by the apparent entry of Pfizer and Verizon and Pfizer into the index? It seems to me that this is a graphic illustration of what's wrong with the Dow as an index! Also a problem with the presentation--it's actually quite hard to see which companies entered an...
by ray.james
Thu Jul 03, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: DOW history: companies by market share and decade(CNBC)
Replies: 12
Views: 1160

DOW history: companies by market share and decade(CNBC)

This popped up in my new feed and turned out to be quite an interesting graph/info. http://www.cnbc.com/id/101791689 titled: A visual tour of the Dow 30 index It shows all the markets on a graph, with width showing market share. Very interesting to see how many companies perished, how many were rebo...
by ray.james
Thu Jul 03, 2014 5:01 am
 
Forum: Investing - Theory, News & General
Topic: DOW history: companies by market share and decade(CNBC)
Replies: 12
Views: 1160

Re: Loan Payoff Strategy, Which to Pay Off First

If cash Flow is your concern, paying off the car would improve the immediate cash flow. The next 80k can go towards the loan with lowest amount or the loan with highest after tax interest rate. The first choice will free you from rental1 payment in 12-14 years and the second choice will minimize the...
by ray.james
Sat Jun 28, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Loan Payoff Strategy, Which to Pay Off First
Replies: 29
Views: 1710

Re: Betterment launches tax loss harvesting

For the cost, their features seems impressive. With out a doubt their ER's will be in the losing range. I wonder, if the economy of scales don't hit soon, they would compensate by increasing ER's/ push products. Overall pretty excited with next generation investment startups. They are disrupting tra...
by ray.james
Fri Jun 27, 2014 2:11 am
 
Forum: Investing - Theory, News & General
Topic: Betterment launches tax loss harvesting
Replies: 28
Views: 2812

Re: NY Times: Not enough younger investment advisors

A few weeks ago our 401k provider, JPMorgan sent out "try investor for free for 3 months." If not satisfied, no charges incurred. The fees being some 0.45-0.6% per year. I see some heavy promotion on it; so far 3 posts to the home and more work emails last 5 months. This seems to be the ne...
by ray.james
Thu Jun 26, 2014 4:15 am
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7262

Re: Am I Nuts?

What do you intend to do with your house; based on public opinion/sentiment?

Is the mortgage part of the current house or prior one?
by ray.james
Thu Jun 26, 2014 1:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2730

Re: I Bonds 5.27% interest

At current fixed rates of 0.1%, I do not understand the love I bonds receive today. Can someone enlighten? If the the idea is these are cash replacement/savings account with inflation protection, I can understand. Is it purely to counter 1980's style inflation risk? On the returns side, I don't see ...
by ray.james
Sun Jun 22, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3657

Re: Bernstein: A Decade of Super-Low Returns

One of the issues with mean to reversion is mean value is slightly moving target as market get efficient and stability of the countries improve. 40 years ago...mean average of people would have been ready to take PE10 of 15 as an average. Today people are happy even with PE10 of 18 because of histor...
by ray.james
Mon Jun 09, 2014 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17116

Re: What are you doing with the market at an all time high?

I re-balanced to EM in my international 50% allocation. Just a value proposition.
Also, the forward P/E of US market is still under 20...absolute number high mean nothing?
by ray.james
Mon Jun 09, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6503

Judge agrees selling home over 6.30 missed interest payment

This popped up in my google news...A very sad story. The lady missed a 6.30 interest payment on the taxes owed(It is unclear from article if it is interest on the penalty or she just paid the amount without considering the accrued interest to payment date.) and the tax collections sold the house. It...
by ray.james
Mon Apr 28, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Judge agrees selling home over 6.30 missed interest payment
Replies: 5
Views: 2706

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: 46
Views: 4398

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: 30
Views: 3179

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: 243
Views: 13378

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: 12881

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: 4598

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: 12565

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: 2287

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: 2287

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: 2287

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: 2287

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: 876

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: 11953

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: 2180

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: 73
Views: 8824

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: 81
Views: 8591

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: 81
Views: 8591

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: 2821

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: 10995

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: 4169

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: 8922

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: 4330

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: 3959

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: 4753

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: 2849

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: 1070

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: 210

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: 1944

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: 1070

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: 6960

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: 6729

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: 13799

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: 22032

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: 1467
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