Search found 713 matches

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: 7
Views: 378

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: 17
Views: 653

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: 1275
Views: 205209

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: 189
Views: 11843

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: 1623

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: 100
Views: 13105

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: 194
Views: 11869

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: 2254

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: 2069

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: 8112

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: 325

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: 392

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: 350

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: 3990

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: 598

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: 598

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: 3990

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: 1436

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: 4321

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: 3305
Views: 812669

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: 436

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: 34248

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: 1436

Re: Shiller CAPE levitating

by ray.james
Mon Dec 12, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 8839

Re: McDonald's Stock

I remember having a vegetarian burger at the McDonalds in New York City (the village area). This was over 15 years ago and I remember it being pretty good. Don't know why they can't offer this for the person who does not like to eat meat. yea in today's age, a vegetarian option would be wise. Simil...
by ray.james
Mon Dec 12, 2016 1:30 pm
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 8839

Re: McDonald's Stock

I still like their coffee and nuggets. they have McNugget flavored creamer now. have you tried it? :?: Haha . Would probably not mix those two together :happy Some good things can be ruined by just combining them. Reminds me of this clip from friends https://www.youtube.com/watch?v=TSFgDZJVYbo
by ray.james
Fri Dec 09, 2016 2:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 76
Views: 6305

Re: Vanguard's new "account overview" page... BOO!

I too did not like the new page. The look is modern but definitely not as much functional as the old one. Luckily they did not move anything from drop downs.
by ray.james
Thu Dec 08, 2016 4:12 pm
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 8839

Re: McDonald's Stock

According to mint, My MCD visits by year: 2016: 1 2015: 3 2014: 2 2013: 5 2012: 7 2011: 14 2010: 23 According to mint, my fast food spending did not decrease. Lion-share went to Pandas express, Chipotle, Panera bread, El polo Loco and a local shawarma place. The only big one I saw most used was subw...
by ray.james
Tue Dec 06, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Kaiser in Colorado
Replies: 36
Views: 2610

Re: Anyone have experience with Kaiser in Colorado

In my area in CA, I see several private practitioners in theirs 40's/50's moving to kaiser. In a social conversation with a physician I heard, kaiser actually pay much less, but work life is very balanced. They have steady stream of patients to look for but never over stressed. After years of insura...
by ray.james
Mon Dec 05, 2016 4:19 pm
Forum: Investing - Theory, News & General
Topic: Benefits of TLH Intermediate Muni Tax exempt
Replies: 26
Views: 2645

Re: Benefits of TLH Intermediate Muni Tax exempt

AnonJohn, What you missed is the higher interest rated bonds that were paid; are paying back part of your losses. Let me show an example You purchased a bond at 5% for $1000 for 5 years . Interest rates went up after 1 year to 10%. Bonds fell to 950. You took a 50$ loss and continue accruing interes...
by ray.james
Sun Dec 04, 2016 1:54 am
Forum: Investing - Theory, News & General
Topic: Where are the annual reports for several international Vanguard funds?
Replies: 6
Views: 516

Re: Where are the annual reports for several international Vanguard funds?

I believe SEC filings are stored in Edgar based on an another old thread that i could not find. https://www.bogleheads.org/wiki/Vanguard_SEC_listings link for investor share class. https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=C000015900&owner=include&scd=filings&cou...
by ray.james
Fri Dec 02, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6210

Re: What percentage of international do you hold?

interesting how such a small time frame can change the result so much (assuming indices doesnt make a large diference). As a check, I looked at my indices from 1970-2008 to see if I got the same answer as the other plot. Qualitatively, yes: over that time period, the optimal allocation for max retu...
by ray.james
Fri Dec 02, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6210

Re: What percentage of international do you hold?

I do between 40-50%. 50% when valuations are low on both relative(US-ExUS) and absolute terms. Allocation is also EM/small cap heavy for international. The only time my valuation triggered was for Em early this year. No complaints :happy
by ray.james
Thu Dec 01, 2016 12:31 am
Forum: Investing - Help with Personal Investments
Topic: VG tax exempt funds
Replies: 12
Views: 1191

Re: VG tax exempt funds

Thanks, that is assuming just one .25% increase per year? I think we are looking at interest rates normalizing over the next few years with a total increase of 4-5% from where we are now. Would that then take about 20 years to recover from? The government will be looking at $1 trillion of interest ...
by ray.james
Wed Nov 30, 2016 3:10 pm
Forum: Investing - Theory, News & General
Topic: What happens to stocks donated with short term gains
Replies: 2
Views: 374

What happens to stocks donated with short term gains

Hallo! Pub 526 IRS and NOLO pointed out clearly that stocks that have appreciated and bought more than an year ago does not need any taxes paid by the Donor. Also the stock can be deducted at market value . What happens if it is a short term gain. Pub 526 mentions it will be at cost basis of the sha...
by ray.james
Wed Nov 30, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6556

Re: Should I buy a new car for safety's sake?

My idea on this topic as dicussed ins everal threads before, there are things that save lives - sear belts, airbags, rear crumple, front crumple, engine block which are standard now for 20 years. The new ones try to avoid the crash/intensity altogether. Among them, ABS is the first and then ABS+ESC(...
by ray.james
Tue Nov 29, 2016 5:38 pm
Forum: Investing - Theory, News & General
Topic: Benefits of TLH Intermediate Muni Tax exempt
Replies: 26
Views: 2645

Re: Benefits of TLH Intermediate Muni Tax exempt

1) you will still be paid dividends for the number of days you held. However you can exchange into other fund like limited term/state specific fund for a month and continue earning interest there. 2) Yes, you are correct. The ST loss is offset with short term and then long term loss( vice versa); th...
by ray.james
Tue Nov 29, 2016 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help with tax loss harvesting Vanguard Intermediate Muni Bond Fund; alternative fund suggestions
Replies: 6
Views: 621

Re: Help with tax loss harvesting Vanguard Intermediate Muni Bond Fund; alternative fund suggestions

I might just park it in a mm and go back in when the wash sale period is over. You might be buying the dividend if you buy now and plan to move back. Interest is accrued daily but paid monthly. If one held even for a day, interest/dividend will be paid. Op, you can check - Vanguard limited term tax...
by ray.james
Tue Nov 29, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Would I notice a difference between an i3-6100 and an i5-6200 processor?
Replies: 20
Views: 1117

Re: Would I notice a difference between an i3-6100 and an i5-6200 processor?

Klangfool, I am curious on your comment as my father asks for my advice on same thing. I always think reducing resolution(High resolution sounds awesome until it is not for text reading :)) and some other software tricks can reduce this issue. Is it discomfort with smaller size or text being too sma...
by ray.james
Tue Nov 29, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Would I notice a difference between an i3-6100 and an i5-6200 processor?
Replies: 20
Views: 1117

Re: Would I notice a difference between an i3-6100 and an i5-6200 processor?

My current computer has a Core i5-3317 processor @ 1.7 GHz. If I buy the i3-6100 model , would I likely notice a difference in performance over my old computer (based on the processor)? Here are some benchmarks - scroll down http://cpuboss.com/cpus/Intel-Core-i5-3317U-vs-Intel-Core-i3-6100U If anyt...
by ray.james
Tue Nov 29, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Wisdom of saving money and buying a cheaper ultrabook- specifically Thinkpad 13
Replies: 18
Views: 1294

Re: Wisdom of saving money and buying a cheaper ultrabook- specifically Thinkpad 13

I was looking at ultrabooks in the $800-1100 range, such as Dell XPS 13, HP Spectre, Microsoft Surface Pro, Asus UA 305 etc. Would I be happier with a more expensive laptop in the long run? I just picked up a similar set up - i5 and 258 ssd on the thinkpad 13. Price should be $503 - $50 (10% cash b...
by ray.james
Sat Nov 26, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: FSA 2016 Ideas
Replies: 6
Views: 499

Re: FSA 2016 Ideas

Dental cleanings, New glasses, replenish the primary medical kit, make sure all mileage amounts are added, sunscreen 35+spf, birth control - these are the easy ones. Cooling glasses with Rx, blood pressure monitors, glucose meters, thermometers, breast feeding pumps, pre-natal vitamins, acupuncture/...
by ray.james
Wed Nov 23, 2016 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2440

Re: TLH CA Bond Funds?

Here's what Vanguard sent me (Admiral Rep) My colleague shared with me your conversation this morning, with regard to your question on our daily interest accrual funds, please see the following. All money market funds earn interest on a daily basis. Investors in traditional share classes of these V...
by ray.james
Wed Nov 23, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2440

Re: TLH CA Bond Funds?

Thanks Sublime, looks like other posters much experienced with this have chipped in. The strange part is there is very less info on this from vanguard itself. when I first stumbled on this few months ago, a google search returned 1000's of links on 6 month rule but nothing on clarification with when...
by ray.james
Tue Nov 22, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2440

Re: TLH CA Bond Funds?

In my limited understanding of the rule, when dividends accrue daily but paid monthly will be accounted/implemented in 2 ways: 1) NAV is adjusted everyday. Then dividend is declared/paid and then NAV is adjusted down 2) Dividend is accrued separately and will be paid to owner monthly/daily. If sold ...
by ray.james
Mon Nov 21, 2016 7:42 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Contest leaders as S&P 500 Index makes new high
Replies: 17
Views: 2750

Re: Boglehead Contest leaders as S&P 500 Index makes new high

FIREchief wrote:Crazy stuff. What is amazing, is that there are three "big players" tied for the tenth spot.


Lol, that is crazy coincidence. The market is rigged :wink:

11 Bank of America 2200.00 1.82 ♦
11 Barclays 2200.00 1.82 ♦
11 J.P. Morgan 2200.00 1.82 ♦
by ray.james
Fri Nov 18, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 15202

Re: Monthly grocery costs? How do you keep it low?

Is there anything more important than the food we eat?Personally the last thing I would cut myself or my family short on is food and the quality of the food.If you are struggling to survive financially,you do what you have to.I have been there so that I understand. What I do not understand is someo...
by ray.james
Fri Nov 18, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3305
Views: 812669

Re: U.S. stocks in freefall

Teague wrote:
I will predict though that the sun will rise tomorrow in your location.


Past performance is no guarantee of future results.


lol :D
by ray.james
Fri Nov 18, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 120
Views: 10896

Re: TaxAct pre-purchase discount

I got another email to watch out for cyber Monday sale. DIY tax software – like TaxAct! With 2016 quickly coming to a close, you know the time is coming to make sure Uncle Sam is properly paid. Tax time comes the same time every year, but why wait to purchase the software at full price if you can ge...
by ray.james
Wed Nov 16, 2016 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: TLH next year for short term losses[LTG this year]
Replies: 3
Views: 208

Re: TLH next year for short term losses[LTG this year]

What is the tax rate you will pay on LTCG? Will those LTCG put you in a higher tax bracket? Are the ST losses less than 3% of the value of the underlying shares? Are the losses less than $1,000? Will they still be short-term in January? Hello livesoft 25 vs 38% with state taxes. They will not move ...

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