Search found 739 matches

by ray.james
Wed Mar 22, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 87
Views: 10879

Re: What % of your income have you converted to wealth?

35% at age 30. I do not see it rising above 40-45% for another 8 years due to kids, daycare and other expenses.

Regarding the metric, one of the issues is the 401k match not showing up in income but in the numerator.
by ray.james
Mon Mar 20, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: How can my parents in India invest in U.S
Replies: 12
Views: 900

Re: How can my parents in India invest in U.S

To buy real-estate, first they will need ITIN and then may need an attorney to check the property etc but essentially if one has assets/money to do so without mortgage, it should be feasible. I think this is much more easier than opening taxable account in united states for foreigners, since real es...
by ray.james
Mon Mar 20, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation for Tax Efficient Investments for Home and Car (3-10 Year Time Frame)
Replies: 2
Views: 195

Re: Recommendation for Tax Efficient Investments for Home and Car (3-10 Year Time Frame)

vanguard limited term tax exempt is what I use for 2-4 year horizon on my house purchase.
by ray.james
Tue Mar 14, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: Why don't things "feel" bubbly?
Replies: 76
Views: 8308

Re: Why don't things "feel" bubbly?

The forward P/E is 19 and the trailing P/E is 25 to 27 for the US Stock Market. In early 2000, forward P/E's were about 32 and trailing P/E's about 45. I don't have a position on bubble or not. I have a simple numbers question. I am seeing what seems to be a much bigger disconnect than the past in ...
by ray.james
Mon Mar 06, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you shrug at your IPS? [Investment policy statement]
Replies: 50
Views: 3619

Re: how often do you shrug at your IPS?

My IPS looks something like this. Perhaps it will give clarity for you to know, what you must have/Do (VS) Good to have. Depending on year I hit 50-80% of each "good to have" goals. Must have/Do - Maintain 6 months emergency fund. - Max 2- Roth + 1 $401k - Put 2.5K in 529 - No Market timin...
by ray.james
Mon Mar 06, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 6769

Re: How much do you spend on food in a year?

Family of 2.5:
5K on groceries which includes toiletries etc- All costco items get clubbed in.
1.5K on fast food
1.5K on eating out.

Eating out is nice but the cost for doing so is getting pretty steep. It is actually pretty cheap to eat very good variety healthy food even in large city.
by ray.james
Tue Feb 28, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: How reliable are forward PE ratios?
Replies: 20
Views: 1196

Re: How reliable are forward PE ratios?

As of 31 Januar 2017, according to MSCI, the US total stock market has a current PE of 25.15, but a forward PE of 18.05. International stocks have a current PE of 19.21, but a forward PE of 14.18. Current PE's can make most investors worrisome, but the forward PE's look reassuring. But how reliable...
by ray.james
Tue Feb 21, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3614

Re: How long do you keep your kitchen sponge?

I am not much aware about this. I just put it next to window in sun to dry the sponge. I use them until they fall apart in few months. Hmnn, I should start changing them often and microwave them.
by ray.james
Tue Feb 14, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10433

Re: Bogleheads not the norm?

While several people might say how much they conform, it is important to distinguish something based on your post. A suggested recommendation is not a rule to qualify for being a boglehead! Its is all shades of Grey! Bogleheads in itself started as fans for John Bogle. But,to me the word "bogle...
by ray.james
Tue Feb 14, 2017 4:27 am
Forum: Investing - Help with Personal Investments
Topic: Putting 1 million to work short term (3-4 years))
Replies: 14
Views: 2549

Re: Putting 1 million to work short term (3-4 years))

Limited term tax exempt/CA tax exempt combo bond funds for the money you need in 4 years.

Rest in Tax efficient 3 fund portfolio for long term investing.
by ray.james
Thu Feb 09, 2017 4:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 288
Views: 12788

Re: Your USER NAME...what does it mean?

It is the first names of 2 colleagues whose wisdom sent me on a quest for personal finance. They also sit in adjacent cubicles to me. So when I created this account, I thought I will validate their loan payoff ideas(see my first post!).
by ray.james
Wed Feb 08, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9832

Re: A note of caution from Robert Shiller

A timely research article in today's economist: http://www.economist.com/news/business-and-finance/21716578-and-very-hard-recognise-until-it-too-late-bubbles-are-rarer-you-think There were many more occasions when markets doubled over three years; around 14% of the total. After such rises, the marke...
by ray.james
Tue Feb 07, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 211939

Re: What are you up YTD? [Year To Date]

2016 XIRR = +9.3% Benchmark return= +6.9%, so I beat my benchmark by 2.4 percentage points 2016 asset allocation = 75% Global market cap stocks, 25% fixed income and cash. 2016 Benchmark was 75% Total World stock market (VT), 20% Total Bond Market (BND) and 5% Money Market Prime (VMMXX). 2016 XIRR ...
by ray.james
Mon Feb 06, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9832

Re: A note of caution from Robert Shiller

Link to the original article? would love to read it. My View- Extreme positions in the market is what starts a bubble! I am cautiously optimist rather than careful pessimist at this point. If the tax laws do change, the P/E has to be adjusted and the current runup would be as if never happened due t...
by ray.james
Fri Feb 03, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 6238

Re: It appears Fiduciary changes may not happen after all.

My wife's company renegotiated expenses because this rule is expected to go into effect. Saddened by the new outcome. I hope they do not switch back. Not much impact for me as my 401k expenses are to be approved by committee that acted as fiduciary; well before.
by ray.james
Thu Feb 02, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Deadbolt with 5 inch backset
Replies: 2
Views: 627

Deadbolt with 5 inch backset

Hello, I am trying to repair a broken deadbolt in an old apartment; that I have no idea on. The screw heads holding metal broke off in the middle which I think is because of very old model. Do I need to replace whole thing or just the face of the lock- the side where key goes in so I can screw the i...
by ray.james
Wed Feb 01, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: One more can I afford $1.5M house
Replies: 56
Views: 3426

Re: One more can I afford $1.5M house

I would buy in this scenario. Be prepared for economic ups/down of the real estate market and buy a house keeping few years need in perspective. Keep doing what you were, by continuing to paying off debt after home purchase. Ps: I am surprised people are suggesting not to! At Op's income levels 1.5m...
by ray.james
Fri Jan 27, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Reached a milestone: $500K in Retirement Accounts
Replies: 44
Views: 5875

Re: Reached a milestone: $500K in Retirement Accounts

Congratulations! On to many more success. :sharebeer
by ray.james
Thu Jan 26, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Saving on tax software
Replies: 15
Views: 1808

Re: Saving on tax software

I reserved TaxAct a few months ago (at 30% off) but they had a better promo (50%) this week... Where is this promotion? I cannot see on the landing page. Try the link from this thread (scroll down to Jan 25th) https://www.bogleheads.org/forum/viewtopic.php?f=11&t=206998&newpost=3210003#p320...
by ray.james
Wed Jan 25, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Saving on tax software
Replies: 15
Views: 1808

Re: Saving on tax software

Taxact online is inexpensive if you're e filing Fed and state. Each year after filing I get to "reserve" the next year at a very low price I reserved TaxAct a few months ago (at 30% off) but they had a better promo (50%) this week... Where is this promotion? I cannot see on the landing pa...
by ray.james
Sat Jan 21, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: 2016 Relative Tax Efficiency
Replies: 43
Views: 4643

Re: 2016 Relative Tax Efficiency

I was surprised at VSS yield. It is basically a mid cap value fund! dividend yield above 3% when dollar is so strong is surprising for a small cap fund!
by ray.james
Thu Jan 19, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: It is snowing again.
Replies: 11
Views: 1269

Re: It is snowing again.

North cal is enjoying its very wet month. Has it been 7 years since there was one? Bring on El Nina.
Its rained quite a bit in Bay area this morning. Drive safe and stay warm!
by ray.james
Thu Jan 19, 2017 2:07 am
Forum: Personal Consumer Issues
Topic: Refinancing 2017 Honda Civic. Honda Financial services added $75 to my loan.
Replies: 18
Views: 1492

Re: Refinancing 2017 Honda Civic. Honda Financial services added $75 to my loan.

As far as interest goes, I have never heard of it.

Are you sure that it is not doc fees added to loan? sound like the figure is around it.
In California they are capped at 65/70/80 depending on the service.
by ray.james
Wed Jan 18, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 58
Views: 6459

Re: 50 Year Old Late Starter With Questions

In this position, I would open a Roth IRA and start putting into one of the life-strategy funds.(Vanguard LifeStrategy Moderate Growth Fund for 40% bonds, 60% stock. TD should have something commission free. I do not care what broker you choose, but choose someone cheap with commission free trades.)...
by ray.james
Wed Jan 18, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: Why should mutual funds have expense ratios, and not expense fees
Replies: 10
Views: 935

Re: Why should mutual funds have expense ratios, and not expense fees

Very interesting Question. The expense ratio is calculated after the fact. When all the expeneses are added up then divided by net asset. If additional $50billion did come in the door, more than likely the expense ratio will be lower in the next prospectus. Also per SEC, you can only charge the pro ...
by ray.james
Wed Jan 18, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: TIPS are great in "theory." But real world...
Replies: 34
Views: 3641

Re: TIPS are great in "theory." But real world...

I do not know much about tips as an asset class. They seem to do what they are intended. Whether it fits one's portfolio is another thing. The CPI used for Tips is made up of 42% housing and 13% transportation, 8% education. That is ~63% of CPI calculation. While home taxes, maintenance, transportat...
by ray.james
Tue Jan 17, 2017 5:13 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 211939

Re: What are you up YTD? [Year To Date]

2016 has been awesome. 13.3%

20% bonds -( Now 30% bonds - new money went here.)
40% international(50-50 large-small) ( now 35%)
40% VTI (now 35%)
Switched 50% of international to emerging markets at Jan end, when they hit under 12 P/E. They are now back to their regular allocation.
by ray.james
Wed Jan 11, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18190

Re: How Bad was 2008, really?

Some kind of bailout (injection of money/liquidity into the economy and credit system) was most likely necessary if we were to avoid economic reversion to the Stone Age. But it appears that the culprits who profited as they manufactured/ brought us into the crisis also profited from the bailout and...
by ray.james
Wed Jan 11, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: 401k reached critical mass - 21% increase in one year
Replies: 14
Views: 1706

Re: 401k reached critical mass - 21% increase in one year

kenschmidt wrote:For example, Vanguard Target Retirement 2025:

2016: +7.48%
1 year: 13.15%

All that due to a 10 day difference between the two numbers.


Ahh that explains quite a bit. This January has been very good across all the asset classes.
by ray.james
Wed Jan 11, 2017 3:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 18739

Re: Sad News About a Respected Forum Member

So sad to hear about this. His knowledge and critique with straight shooting posts will be dearly missed.
by ray.james
Tue Jan 10, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 23758

Re: Annual Vacation Budget

6k for 2 people. One international trip - usually staying in small hotels - alternate years. Rest are usually local with in my state/border states. A lot of national parks, some theme parks. We rarely visit cities as that is not our cup of tea. It should be nature and relaxing for both of us. With k...
by ray.james
Mon Jan 09, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: How to know your risk tolerance, without ever living through a crash?
Replies: 29
Views: 2451

Re: How to know your risk tolerance, without ever living through a crash?

Also, realize there are 2 elements to the crash: 1) The raw drop in value of assets aka the Crash 2) The time it takes to fall and recover back. A number of people can see what the first factor does to their portfolio. So they change bonds ratio or even think they can ride it out. It is the assumpti...
by ray.james
Wed Dec 28, 2016 6:48 pm
Forum: Investing - Theory, News & General
Topic: Ownership of international stock during wars
Replies: 25
Views: 2213

Re: Ownership of international stock during wars

It need not be war either. For this specific context, a lot of countries nationalize the assets. Consider cases like Bolivia, Argentina, Venezuela. In some cases, they are compensated partially. In most cases, the returns/assets are zero with court cases still dragging. Obviously in war, most will g...
by ray.james
Tue Dec 27, 2016 3:20 am
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 8374

Re: Remember what it was like before the recession?

I was in school. Few friends schemed 0% credit card to escape paying interest on education loan. Bleh, it was a rush when most credit lines got closed when the recession started. 1) I do think the market will be facing heat as it will get much harder to pass everything that it is expecting in legisl...
by ray.james
Thu Dec 22, 2016 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Are HSA Accounts Individual
Replies: 3
Views: 346

Re: Are HSA Accounts Individual

I might be wrong, but at this point once one had an HSA account at some point they can use it in non-HSA years too. I too have questions on legality but this is what I have observed. For ex: Year 1-3: individual account Year 4-6: married and joint account Year 9-25: Wife takes her employer non-HSA i...
by ray.james
Thu Dec 15, 2016 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Question re 401(k) contribution discrepancy
Replies: 3
Views: 400

Re: Question re 401(k) contribution discrepancy

Strange scenario. Does the W2 account for the income in 2015? I would imagine then it will be 2015.

If one has no earned income in 2016 but only in 2015, then that contribution cannot be counted for 2016 based on IRS rules...hmnn :confused
by ray.james
Thu Dec 15, 2016 7:38 pm
Forum: Investing - Theory, News & General
Topic: Savings vs growth
Replies: 2
Views: 385

Re: Savings vs growth

Not much useful except for personal satisfaction to look at compound interest working for one. The long you wait, the better the %. Looking at compound interest formula, it seems the growth % is a directly proportional to interest rate and number of years. So I guess it boils down to what was your C...
by ray.james
Thu Dec 15, 2016 7:29 pm
Forum: Investing - Theory, News & General
Topic: winning game, sell stocks despite high bond prices?
Replies: 47
Views: 4182

Re: winning game, sell stocks despite high bond prices?

Appreciate the thoughts. We are overweight US stocks especially large cap and all of our VTI/VOO equivalent is in taxable; we either have to incur capital gains or donate to rebalance. You've been in this through both of the last two 50% equity declines and all of the other less impressive pull-bac...
by ray.james
Thu Dec 15, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Am I saving/investing in a good way for retirement and college or can I do better
Replies: 6
Views: 627

Re: Am I saving/investing in a good way for retirement and college or can I do better

consider putting $10k into US Savings bonds. You can then withdraw them without penalty, without state tax ever and if used towards college expenses, without federal tax. Or.....a couple years before college, cash them and put the money directly towards your mortgage. At the rates where they are, t...
by ray.james
Thu Dec 15, 2016 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Am I saving/investing in a good way for retirement and college or can I do better
Replies: 6
Views: 627

Re: Am I saving/investing in a good way for retirement and college or can I do better

Calico, You seems to have set things up very well. I have one comment regarding the college planning. You can use Roth IRA and rollover IRA(from former employer) to pay for her college and max out current 401k. I am assuming there is still some room on the 401k and your tax rate is above 15%. I thin...
by ray.james
Thu Dec 15, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: winning game, sell stocks despite high bond prices?
Replies: 47
Views: 4182

Re: winning game, sell stocks despite high bond prices?

Early this year, I realized I am on track to FI goals much faster. A combination of DINK, frugal life style helped. I started adding more bonds and change my AA from (age -20) to (age -10) in bonds. When I do the math now, I missed a few K's due to changed allocation but still on track to reach my g...
by ray.james
Wed Dec 14, 2016 9:00 pm
Forum: Investing - Theory, News & General
Topic: Shiller CAPE levitating
Replies: 17
Views: 1497

Re: Shiller CAPE levitating

If you're going to make up a new reason to ignore the CAPE results each time they are troubling there's really no point in looking at the metric at all. (This time we should ignore the troubling CAPE metric due to tax reasons, apparently. In 1999 I'm sure the reason to ignore CAPE would have been t...
by ray.james
Wed Dec 14, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to those who don't invest?
Replies: 70
Views: 4530

Re: What happens to those who don't invest?

Remember that median household income is about $58,000. That is smack in the middle of the band we call middle class. A typical family having two children, daycare/education expenses, healthcare expenses, etc. just doesn't have enough money left to save. Such is the perfidious nature of retirement ...
by ray.james
Wed Dec 14, 2016 3:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3349
Views: 852971

Re: U.S. stocks in freefall

I'm confused; everyone knew with 100% certainty that the Fed was going to raise rates today. So why did the market go into free fall when it was announced? :annoyed It lost... let me see, 19,920 to 19,800... 0.6%. 0.6% of my height is 0.4 inches. I lose more than 0.6% of my height when I take off m...
by ray.james
Tue Dec 13, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lender-paid PMI or borrower paid-mortgage insurance?
Replies: 6
Views: 474

Re: Lender-paid PMI or borrower paid-mortgage insurance?

I do not have a math answer, but if current interest rate increases continue, I would pay caution to refinancing in future. I might be a while when that opportunity comes around. Assuming his down payment( which is important to know here) is 10%, it will be 6- 7 years of PMI. An extra payment of ~= ...
by ray.james
Tue Dec 13, 2016 8:29 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 223
Views: 34838

Re: I'm Calling an Emerging Markets Bottom

Euphoria is starting to spread. I imagine there is still some time left on the upside to tease them in... but getting closer to some downside once they get in. I think inflation improving/inflation euphoria + market new heights everyday on TV will get rest of the pigs to the slaughter house. Sad, b...
by ray.james
Tue Dec 13, 2016 3:30 pm
Forum: Investing - Theory, News & General
Topic: Shiller CAPE levitating
Replies: 17
Views: 1497

Re: Shiller CAPE levitating


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