Search found 527 matches

by ray.james
Thu Apr 28, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Saving Too Much in Retirement Accounts?
Replies: 35
Views: 4015

Re: Saving Too Much in Retirement Accounts?

At that income level, I would say the tax benefits are just enough to even bother rechecking the math. If owning a home is of interest, reducing 401k slightly to get at least 10% down payment initially is a good idea. Having said that down payment in NY or CA is pretty much like 100K-200K. So probab...
by ray.james
Tue Apr 26, 2016 5:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund Country Diversification
Replies: 7
Views: 706

Re: Vanguard Precious Metals and Mining Fund Country Diversification

In regards to Australia it is one of the leading producing of more traditional metals like iron, copper, lead, zinc, nickel. It does have lot of gold but most of it is mined by Barrick and NewMont which are Canadian/American companies; Unlike Rio Tinto/BHP which lead in traditional metals and are li...
by ray.james
Tue Apr 26, 2016 1:40 am
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 56
Views: 4701

Re: Got a Question for Jack Bogle? Post it Here.

Deflation is trending to be a top topic on forum. It will be nice to get his thoughts on deflation in USA.
Thanks.
by ray.james
Fri Apr 22, 2016 2:57 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7069

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

Someone who is here since 2008 and after 1800 posts asks this question :? :? :? :annoyed

I can understand someone new asking this almost every week.
by ray.james
Thu Apr 21, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2897
Views: 604139

Re: U.S. stocks in freefall

Broadstone, I thought I would share my real feelings that I went through last 5 years. I started investing in 2008/09. Made some money, lost some in cycles. Turned to index funds in 2011. Then started tweaking things a lot. Factor loading, value, international, P/E etc., Things started changing last...
by ray.james
Wed Apr 20, 2016 3:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2897
Views: 604139

Re: U.S. stocks in freefall

Sometimes there are so many warning flags waving that you have to pay attention, other times not so much. Now is a time where technical analysis, and economic logic are screaming, hey, it's June, the ice is melting but you're still standing in the middle of the lake like it's mid winter. I never wa...
by ray.james
Tue Apr 19, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 9965

Re: mortgage pre payment, why?

For me, once I can maintain a decent first tier EF and pay off the entire mortgage balance, I will. Before I can pay off the entire balance, I could prepay part to save interest, but then my cashflow would stay the same until the loan is paid off. This means more short-term risk for a long term gai...
by ray.james
Mon Apr 18, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 9965

Re: mortgage pre payment, why?

Here is another often overlooked factor...you have to earn that much more money at your marginal tax rate to pay the mortgage. Consider this...let's say you have a mortgage payment of $2,000 per month for a nice round number, and let's say you are in the 25% marginal tax bracket, that means you hav...
by ray.james
Thu Apr 14, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on HSA?
Replies: 13
Views: 893

Re: Thoughts on HSA?

Can these be used by anyone in family tax free ? Any restriction who or when can use it. Like dependent children or HDHP in a later year for a family member that is currently using a FSA. A child can stay on the parent plan until they're 26 but if the child can't be claimed as a dependent funds fro...
by ray.james
Thu Apr 14, 2016 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on HSA?
Replies: 13
Views: 893

Re: Thoughts on HSA?

Can these be used by anyone in family tax free ? Any restriction who or when can use it. Like dependent children or HDHP in a later year for a family member that is currently using a FSA.
by ray.james
Mon Apr 11, 2016 11:33 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 176
Views: 21189

Re: I'm Calling an Emerging Markets Bottom

In retrospect grap0013 made a good call on EM and has profited from it. I agree with him that EM equity valuations are still attractive relative to DM and especially to US. There is clearly more political risk, more corruption, more currency risk, and more instability in EM, but those risks are ful...
by ray.james
Mon Apr 11, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Decided not to buy home in Bay Area - changing gears [to] investing
Replies: 6
Views: 1405

Re: Decided not to buy home in Bay Area - changing gears [to] investing

countofmc, Like you we mull all options of living in the bay area. This is what we have decided. keep 12% downpayment in safe bond/savings account combo if we chose to live here or market goes down. The rest is invested. Our 401k had generous matching and also has a loan provision that does not need...
by ray.james
Fri Apr 08, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda Sensing?
Replies: 41
Views: 2596

Re: Experience with Honda Sensing?

inbox788, I think one need to consider not just fatalities, but other property damage based costs. The 1k gets a lot of features including collision avoidance. I agree with your premise, that auto manufactures are gaming this for profit and real benefits are much farther away in time. But as more ma...
by ray.james
Fri Apr 08, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda Sensing?
Replies: 41
Views: 2596

Re: Experience with Honda Sensing?

wow, that is pretty much most of what Tesla is doing. Impressive! May be its time to rid of my non ABS car for these, especially my wife being a poor driver. I don't know if it's fate or coincidence or what, a couple hours after posting on this thread I was just rear-ended by 2013 Tesla Model S whi...
by ray.james
Thu Apr 07, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda Sensing?
Replies: 41
Views: 2596

Re: Experience with Honda Sensing?

wow, that is pretty much most of what Tesla is doing. Impressive!
May be its time to rid of my non ABS car for these, especially my wife being a poor driver.
by ray.james
Thu Apr 07, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy
Replies: 32
Views: 3329

Re: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy

I did some math:(ALL FEES ARE IN ADDITIONAL FEES TO LOWER FEE OPTION DEFAULT--0.12%.) For 1% fee compounded over 30 years one have missed 20% of the money. So for eg: If they wound up with 1000000, they might have had 1200000 if not for the additional fees. That's pretty much the same as 20% average...
by ray.james
Wed Apr 06, 2016 1:55 pm
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 3895

Re: Baby Boomers Doubling in next 20 yrs predictions ?

As per CDC our birth rates are still going down. Immigration along with higher immigrant birth rate is keeping the population table up. But we are nowhere near what Europe/Japan is facing. http://www.cdc.gov/nchs/data/nvsr/nvsr64/nvsr64_01.pdf I could not find the exact work, but the baby boomer eff...
by ray.james
Wed Apr 06, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 46
Views: 1330

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Thanks Triceratop for taking time. This is new gold standard info on foreign tax efficiency. I was not looking at "qualified dividend ratio vs tax credit" correctly, which led to inefficiency especially in high tax state like California. lee71959, I was thinking the same until livesoft sho...
by ray.james
Mon Apr 04, 2016 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets?
Replies: 15
Views: 1290

Re: Emerging Markets?

The last time I did TLH EM, I bought them in tax advantaged space assuming they have reached attractive valuations. Partial reason being - a lot of unqualified dividends, expected larger potential gain. Before that for 2 years I was using taxable; since the TLH advantage is higher.
by ray.james
Wed Mar 30, 2016 8:22 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 56
Views: 4701

Re: Got a Question for Jack Bogle? Post it Here.

boglerdude wrote:1) Is there a valuation level where it would make sense to invest internationally?

2) Does he worry about redemption risk in the bond fund he holds (VBILX)?


+1 to these questions. These are my top info/anxiety as well.
by ray.james
Tue Mar 29, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 122
Views: 6870

Re: Which Engineering Discipline for the next 20+ years !!!

Just my thoughts as GenXer Engineering - Computers(esp Graphics, AI, Data Patterns, general software will lead in master degree specializations for 10 years), Mechanical(robotics, autonomous, ergo, design, sensors, etc., ), Bio_fusion areas - Biomedical/Bio-engineering. (gene based work, vaccines, n...
by ray.james
Mon Mar 28, 2016 2:16 pm
Forum: Investing - Theory, News & General
Topic: It's all about saving, not investing really.
Replies: 84
Views: 7710

Re: It's all about saving, not investing really.

It doesn't matter that much during accumulation or until later phases of accumulation. However for draw down it is a one of the key thing. Having said that, the recent thread on real_returns sounds more light on this. All that tinkering with slicing, small, value factoring etc., at the end is probab...
by ray.james
Mon Mar 28, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Off Student Loans or Mortgage?
Replies: 5
Views: 593

Re: Pay Off Student Loans or Mortgage?

Paying off student loan will reduce one less thing to worry about and it looks you can do both of them in few months. It also seems to be mathematically better value considering tax deduction etc., If you income raises push you to next bracket, it sweetens the mortgage deal further. I would also mak...
by ray.james
Fri Mar 25, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16511

Re: Liking the new Citi CC at Costco

I don't know about others but you're suggesting carrying around at least three if not four different cards to achieve equivalent savings on every seven thousandth dollar and above spent on gasoline as well as 2 percentage points better on eating out and travel for 90 days. Or I could just carry one...
by ray.james
Wed Mar 23, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 17411

Re: Tesla Model 3 anyone?

I highly doubt if tesla can meet that timeline. I am interested in one but will not be reserving.
I am also looking at Bolt(For a change, Detroit impressed me). I am sure they will go super cheap used, 6 months after release which will coincide with model 3 release. :happy
by ray.james
Wed Mar 23, 2016 5:52 pm
Forum: Investing - Theory, News & General
Topic: The Rarely Noted "Real Returns"
Replies: 45
Views: 4861

Re: The Rarely Noted "Real Returns"

A quick question: Any reason not to Annualized inflation like returns? Is it mathematically correct to calculate real return per year(nominal - inflation) and then annualized it or the other way around? Statistics experts, chime in :happy . Does this change numbers? You need to calculate the real r...
by ray.james
Wed Mar 23, 2016 5:49 pm
Forum: Investing - Theory, News & General
Topic: The Rarely Noted "Real Returns"
Replies: 45
Views: 4861

Re: The Rarely Noted "Real Returns"

A quick question: Any reason not to Annualized inflation like returns? Is it mathematically correct to calculate real return per year(nominal - inflation) and then annualized it or the other way around? Statistics experts, chime in :happy . Does this change numbers? Adjust numbers to real first, th...
by ray.james
Wed Mar 23, 2016 2:15 pm
Forum: Investing - Theory, News & General
Topic: The Rarely Noted "Real Returns"
Replies: 45
Views: 4861

Re: The Rarely Noted "Real Returns"

I may have found the answer here. I am not sure if the raw data numbers are different. But based on the calculator on this site: http://www.moneychimp.com/features/market_cagr.htm

1928 - 2015 - real CAGR : 6.54
1928 - 1972: 7.03
1972- 2015 : 6.04

Not much different from OP's data.
by ray.james
Wed Mar 23, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Housing Prices Trajectory in the Bay Area?
Replies: 77
Views: 5895

Re: Thoughts on Housing Prices Trajectory in the Bay Area?

We are in same boat and looking at East bay. Even that is not cheap but 3/2 townhouses are available for 650-800K. The key is that compared to global cities, the prices in bay area are still low. Local income does allow for further appreciation. The boom and bubble does happen but it is a wash if it...
by ray.james
Wed Mar 23, 2016 1:35 pm
Forum: Investing - Theory, News & General
Topic: The Rarely Noted "Real Returns"
Replies: 45
Views: 4861

Re: The Rarely Noted "Real Returns"

QuietWealth, Great thread. Based on simba's spread sheets I have come to same conclusion. Probably, one of the reason why I don't worry much 2-3 % real returns. A quick question: Any reason not to Annualized inflation like returns? Is it mathematically correct to calculate real return per year(nomin...
by ray.james
Mon Mar 21, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Any negative to doing a backdoor Roth each month, instead of once a year?
Replies: 11
Views: 1258

Re: Any negative to doing a backdoor Roth each month, instead of once a year?

Also, it will probably be 12 1099 forms that needs to be entered tax time? :happy
by ray.james
Sat Mar 19, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 8870

Re: Millionaire Next Door and Budgeting

OP, Save 1/3, spend 1/3, pay 1/3 in tax. It is very simple. KlangFool This is my guideline and experience as well. When I was starting career/early years, 33% of total tax is pretty much given due to California + fica. Keeping expenses to 1/3 is a great guideline to start and maintain at most range...
by ray.james
Mon Mar 14, 2016 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: House Down Payment Cash - Where to Put? (CA Resident)
Replies: 8
Views: 824

Re: House Down Payment Cash - Where to Put? (CA Resident)

For a very similar scenario, we chose 30% savings, 70% limited term tax exempt. Initially we played the interest checking but that got into too much management and after taxes its not much of a difference.
by ray.james
Wed Mar 09, 2016 2:53 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 154
Views: 19372

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

When congress lifted the income limits for ROTH conversions in 2010 - which started this whole issue, they might have not anticipated people using current income for ROTH contribution. In my view, it will be a matter of time before any government would let go 30 years of compounded gains un-taxed fo...
by ray.james
Tue Mar 08, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: VG Precious Metals & Mining Fund up 21% this year. Why aren't other ETFs?
Replies: 48
Views: 1338

Re: VGPMX [Vanguard Precious Metals And Mining Fund]

I invested in steel ETF last year - specific metal but also luckily timed double down this January after 2014 investment. Net effect, I can see green in close territory(2% of portfolio). However nothing will make up for the EM hole during last 3 years :P
by ray.james
Sun Mar 06, 2016 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is the benefit of paying credit card interest is just to get the item NOW instead of later?
Replies: 24
Views: 1655

Re: Is the benefit of paying credit card interest is just to get the item NOW instead of later?

Sure. It's not like it's all irresponsible consumerism, though. A lot of people do live paycheck-to-paycheck or not far from it, and a financial shock like an unexpected medical complication or vehicle breaking down is all it takes to burn through liquid assets, whereupon credit has to be tapped at...
by ray.james
Sun Mar 06, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: H1B leaving the U.S.--what to do with IRA?
Replies: 11
Views: 1394

Re: H1B leaving the U.S.--what to do with IRA?

When analyzing the hassle factor (which can be considerable), I would not trivialize a $1500 penalty. In some countries, that's 6 months to 1 year of expenses. http://www.numbeo.com/cost-of-living/compare_countries_result.jsp?country1=India&country2=United+States The cost and hassle of filing U...
by ray.james
Fri Mar 04, 2016 9:50 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 176
Views: 21189

Re: I'm Calling an Emerging Markets Bottom

Finally all that red is starting to dry out and fade!
GO EM! :D
by ray.james
Fri Mar 04, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: H1B leaving the U.S.--what to do with IRA?
Replies: 11
Views: 1394

Re: H1B leaving the U.S.--what to do with IRA?

A few things based on a friends experience. 1) If your country has an agreement regarding retirement assets - (this is different from DTAA(Double taxation avoidance) , social security eligible expat country list) then you can safely withdraw at 60 with out issues in your home country/USA. 2) Other c...
by ray.james
Mon Feb 29, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 535
Views: 111850

Re: That Frugal Thing You Do

After starting to use mint, I have come to realize how much eating out costs. Brownbagging and sharing a meal with wife(food portions here are crazy) when going out seem to work well. Recently I have found buying gift cards is a good deal. I am doing this for regular items. 10% off exxon with ebay b...
by ray.james
Fri Feb 26, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit Planning
Replies: 8
Views: 497

Re: Foreign Tax Credit Planning

Livesoft, why do you think international is better in tax-deferred as compared to domestic. See this thread: https://www.bogleheads.org/forum/viewtopic.php?t=158519 Your assumption that VXUS paid 100% qualified dividends is incorrect. Thanks you for pointing to this resource and writing the origina...
by ray.james
Fri Feb 26, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit Planning
Replies: 8
Views: 497

Re: Foreign Tax Credit Planning

Livesoft, why do you think international is better in tax-deferred as compared to domestic. Assumptions: 15% QDI rate; 10000 investment international - 3.2% dividend, domestic 2.4% dividend. Sample VXUS with 3.2 % dividend yield and 0.057% last year foreign tax 10000 * 0.032 = 320 dividend 320 * 0.0...
by ray.james
Thu Feb 25, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: Rare Black Swan Pattern
Replies: 33
Views: 3623

Re: Rare Black Swan Pattern

Pretty good one. :D The first time I heard head and shoulders pattern, I thought it was reference to something financial tech jargon. Never guessed it was really a head and shoulders image. That moment I realized that, I was scared. All those cnbc tech traders are similar to people who saw stars pat...
by ray.james
Tue Feb 23, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: End of debit cards for me
Replies: 128
Views: 10022

Re: End of debit cards for me

Any one has creative ideas how to meet rewards checking with out using debit card. We get 2% upto 25k but we need to use atleast 300$ in debit/credit payments.

Personally I don't use them at restaurants/gas stations/movie theaters but at big retails stores. Any ideas?
by ray.james
Thu Feb 18, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct 2015
Replies: 52
Views: 5757

Re: TaxAct 2015

Trying to do my taxes this week. Any idea how I can see the MAGI for roth ira contributions in Taxact. In Turbotax it used to warn me, when I enter the contributions. I do not do back door roth as they are not accessible for 5 years and this is meant partly for house down payment. I am using desktop...
by ray.james
Sun Feb 14, 2016 5:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2897
Views: 604139

Re: U.S. stocks in freefall

I have to maintain a $100k average with Merrill Edge to hit Platinum Honors, so I just keep pumping $$$ into it out of my salary every couple weeks...it takes a lot of the emotion out of it I guess. :D Once you hit status, you keep it for 12 months even if your balance drops below. After 12 months,...
by ray.james
Wed Feb 10, 2016 1:32 am
Forum: Personal Consumer Issues
Topic: Wife just got a VM from a debt collector [Voice Mail]
Replies: 44
Views: 4374

Re: Wife just got a VM from a debt collector

I think if there was an unpaid claim, depending on the original credit type, there will be something on credit report?
by ray.james
Tue Feb 09, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 72
Views: 4912

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

Rob5TCP wrote:Security measures:
1. scratched out the 3 digit code on the back of the card - so it can not be used online.


You will remember the pin for this particular card or all? Interesting idea.
by ray.james
Fri Feb 05, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff debt with Roth?
Replies: 19
Views: 755

Re: Payoff debt with Roth?

I did this few years ago to payoff a private note at 11% from Roth. But I regret it now looking back. Roth space is very valuable at least at young age. It would have been paid off anyway in 7 additional months(~1k interest.) I would do this analysis: What time does it take to payoff soonest and how...
by ray.james
Thu Feb 04, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for down payment
Replies: 43
Views: 2598

Re: Saving for down payment

Every time I got a super power pellet, I would try to time the ghost transition to get as many as I could before they changed back. Trying to skim the edge of time at the end got me killed more often than anything else. I got greedy and screwed the whole thing up. Taking an extra 6 month lease soun...

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