Search found 618 matches

by ray.james
Wed Aug 24, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401k vs tax loss harvesting
Replies: 8
Views: 464

Re: 401k vs tax loss harvesting

All tax loss harvesting does is lower your cost basis providing a temporary tax benefit now. If you have tax deferred space available, you should almost always do that, unless your tax rate is 0% already. If one is at 0%, one can still do tax gain harvesting, if future taxes are higher! Regarding t...
by ray.james
Wed Aug 24, 2016 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401k vs tax loss harvesting
Replies: 8
Views: 464

Re: 401k vs tax loss harvesting

Hector, I believe you are looking for this https://blog.wealthfront.com/401k-versus-taxable-account/ Although wealthfront is advertising, the data behind it overall fine. However the assumptions do not apply to a lot of people especially for one who do/cannot make full 401k. The best part is you can...
by ray.james
Mon Aug 22, 2016 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1165

Re: Tilter's

Jerry,
Thanks for doing running the numbers. I remember it was worse for me with state tax of CA when I did the same analysis few months ago.

Distributions--------------------------- 264---- 250------ 239----- 266---- 206---- 259

How is this line calculated? Distributions for 1K of money?
by ray.james
Fri Aug 19, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1165

Re: Tilter's

Jerry,
Whats missing is the QDI ratio. For vxus(international) that is close to 75%+. Emerging markets it is around 50%. IEMG dividend yield seems very low compared to VWO though
by ray.james
Fri Aug 19, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 709900

Re: U.S. stocks in freefall

boglerdude wrote:Those of you following the markets in fall 2008, did you watch the S&P EPS tank before the sell off?

Or was the data delayed. I'm wondering how PE could have gotten so high.


https://www.quandl.com/data/MULTPL/SP500_EARNINGS_MONTH-S-P-500-Earnings-by-Month
Go to table view
by ray.james
Thu Aug 18, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Efficient way to build credit
Replies: 21
Views: 840

Re: Efficient way to build credit

She had financial troubles leading to her poor credit (write offs, late payments, etc.) So from what I am hearing is just add her as a joint borrower on my credit card and her credit should go up due to my credit but will it still increase by using that credit card? I do the same thing, use my cred...
by ray.james
Thu Aug 18, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Efficient way to build credit
Replies: 21
Views: 840

Re: Efficient way to build credit

While length and number of accounts impact the score; 75% of rating is based on 3 things: 1) credit utilization 2) accounts paid on time 3) recent enquirers - this is ok when under 2 My wife had few credit cards but her limit was low. I added her as authorized user. Most banks report this. The only ...
by ray.james
Thu Aug 18, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Rollover IRA asset protection?
Replies: 11
Views: 603

Re: Rollover IRA asset protection?

what situational protections are you looking for apart from bankruptcy? A few I can think of liability, IRS, dirvorce etc., From what I have read for rollover IRA up to ~1mill is protected. But this is state law. The amount is different with states but pretty much similar across the board with most ...
by ray.james
Wed Aug 17, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Buy vs Rent & Price Limit Help
Replies: 6
Views: 348

Re: Buy vs Rent & Price Limit Help

There are housing options anywhere from $150k to $500k in the immediate area That sound like quite a range. Would your family be happy in 3 bed or 4 bed house or need more looking at future? Is this a city and whether town houses work for you etc? Narrow this range first by size and type of house. ...
by ray.james
Tue Aug 16, 2016 2:21 pm
Forum: Investing - Theory, News & General
Topic: Budgeting - 50-20-30 suggested rules for young adults
Replies: 7
Views: 586

Re: Budgeting - 50-20-30 suggested rules for young adults

When I was a grad student, my stipend was 980 per month(taxes -0 fed, state $100_ish). It depends on place, school and whether one is PHD/full time/half RA etc etc., My necessities were 750 per month. I saved 150-200 a month . As a student it depends on how much the necessities cost in the location....
by ray.james
Mon Aug 15, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: buying used car smarter than buying new?
Replies: 89
Views: 4561

Re: buying used car smarter than buying new?

There are cars that depreciate faster and cars that are very slow. I bought a 3 year old car with just 15k miles. I can even smell the new leather at 45% off. That's because it is an entry luxury and model has changed. If one tried the same with Honda accord/civic, I don't think it will depreciate m...
by ray.james
Fri Aug 12, 2016 1:45 am
Forum: Investing - Help with Personal Investments
Topic: VOB vs VWOB vs VXUS [Emerging markets bond vs. total international]
Replies: 12
Views: 638

Re: VOB vs VWOB vs VXUS [Emerging markets bond vs. total international]

... From Vanguard, "Because the fund invests only in U.S. dollar-denominated bonds, it does not subject U.S.-based investors to currency risk." Vanguard does say that, and in context it's true. However, emerging market government finances are highly exposed to currency risk precisely beca...
by ray.james
Fri Aug 12, 2016 12:19 am
Forum: Investing - Theory, News & General
Topic: Anyone looking at changing AA in presence of Current Valuations?
Replies: 71
Views: 3291

Re: Anyone looking at changing AA in presence of Current Valuations?

I don't think markets are too much overvalued given bond rates.

I did make speculative change for emerging to be 50% of international early this year. That has paid back very well. Yet to re-balance back.
by ray.james
Wed Aug 10, 2016 2:06 pm
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 91
Views: 16939

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

Tyler,
Just wanted to thank you for the awesome website and it is a lot of work! I have been playing with lots of portfolio combinations to understand different aspects of risks.
by ray.james
Tue Aug 09, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: VOB vs VWOB vs VXUS [Emerging markets bond vs. total international]
Replies: 12
Views: 638

Re: VOB vs VWOB vs VXUS [Emerging markets bond vs. total international]

One is a stock and another is bond with mild stock volatility. That's a fundamental difference. If you are happy with yield and the volatility for a bond, I guess that is ok. Also, please treat it as part of stock allocation. The yields can become be real negative return as currency rates change- yi...
by ray.james
Tue Aug 09, 2016 4:20 pm
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 4480

Re: Talking about the Bogleheads approach with non-Bogleheads

In both cases the problem is psychology, not cognition. I believe this is the key. People are in either half full glass or empty glass approach. It is hard to fight against psychology of; they know something and are doing right. I had much better success with someone who is over worried that they d...
by ray.james
Thu Jul 28, 2016 5:44 pm
Forum: Investing - Theory, News & General
Topic: FTSE ex US Small Cap Fund Performance
Replies: 27
Views: 1336

Re: FTSE ex US Small Cap Fund Performance

Doc, I think it is also important to consider that it is compared with just 6 funds in its category. So for average it has to be 3rd or 4th? There are 29 distinct funds in the M* Foreign Small/Mid category. Perhaps you are looking only at ETFs. Vg FTSE sml cap institutional ranks 82. You are right....
by ray.james
Thu Jul 28, 2016 3:57 pm
Forum: Investing - Theory, News & General
Topic: FTSE ex US Small Cap Fund Performance
Replies: 27
Views: 1336

Re: FTSE ex US Small Cap Fund Performance

Doc,
I think it is also important to consider that it is compared with just 6 funds in its category. So for average it has to be 3rd or 4th?
by ray.james
Fri Jul 22, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 201
Views: 29182

Re: I'm Calling an Emerging Markets Bottom

EM is having a blast. I am glad I did not jump off bandwagon. Slowly increased allocation as forward valuation went under 10 making it close to 50-50 with developed international. To be fair, EM actually performed less than expected as index is overloaded with china which was Flat . The other 50% th...
by ray.james
Fri Jul 22, 2016 12:52 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16320

Re: How many folks choose to give inheritance to their children in unequal portions?

Looking through extended family, here are some things that worked or didn't I have seen people who left house with no sell/loan/trust instructions to the struggling child and had success. Some one I know left farm land and when the child finally got his act together and turned his life around. I hav...
by ray.james
Thu Jul 21, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!
Replies: 37
Views: 2602

Re: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!

If you contribute $5k and do not deduct it from your taxes and convert $5k to Roth, that $5k is not subject to the 5 year clock because it was not taxable at the conversion. Yes, it is very very confusing. (Hope I got it right. :P ) I think I understand now. Since the income was already taxed and n...
by ray.james
Thu Jul 21, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!
Replies: 37
Views: 2602

Re: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!

That's good. I still can't figure why they think you owe for $22k, not $11k unless there is something else wrong with your return.. I had similar experience with IRS when I used roth as emergency fund during first 2 years out of school. What happened was IRS treats IRA withdrawals taxable unless we...
by ray.james
Thu Jul 21, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!
Replies: 37
Views: 2602

Re: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!

There is a 10% penalty for withdrawing the $1.97 in earnings because you did not observe the 5 year waiting period on the amount taxed at conversion. -And there should be both tax and penalty on the $17.85 in earnings that occurred inside the Roth IRA assuming you were not over 59.5 and your Roth I...
by ray.james
Thu Jul 21, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!
Replies: 37
Views: 2602

Re: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!

1) First is it reported as deductible or non deductible ira when you filed taxes. --Get 2014, 2015 8606 forms to confirm what was done. If one is not filed you need to file one. -- If this was filed as deductible ira, the income tax has to be paid. 2) Irrespective of above, if you converted money to...
by ray.james
Wed Jul 20, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS questioning my backdoor roth?
Replies: 46
Views: 5676

Re: IRS questioning my backdoor roth?

In my case turbotax did not report 8606 correctly. The first time I did the questions, it was very confusing.

Also, 8606 is an independent form. So you do not need to amend the entire return to file it with IRS.
by ray.james
Tue Jul 19, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with a bit of extra money each month? (UPDATED)
Replies: 41
Views: 3096

Re: What to do with a bit of extra money each month?

Hello Ron, I always appreciated your advice in bay area home buying and other bay area threads. I did not see information on kids/529. If that is not a factor involved, backdoor mega Roth is a good option if it is possible through wife's work place. Based on information, between pension, 401k and so...
by ray.james
Fri Jul 08, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: S+P 500 is not very diversified
Replies: 77
Views: 5586

Re: S+P 500 is not very diversified

On the other side of the aisle are the studies that show just 30 stocks are needed to get the diversification and R2 to as much as 85-90% of S&P 500. If the goal of diversification is to move away from the risks of single stock, then this is probably the best deal out there. Our wiki has surpris...
by ray.james
Tue Jul 05, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Social security loss if retiring early
Replies: 28
Views: 2528

Re: Social security loss if retiring early

englishgirl wrote:I think this is a nice write up: http://rootofgood.com/early-retirement-social-security/


This is excellent link. I was about to post what are bend points. Thanks for a good primer to understand social security.
by ray.james
Tue Jul 05, 2016 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Real estate location - Important factors
Replies: 19
Views: 1377

Re: Real estate location - Important factors

Thank you all for the responses. It provided quite a few things that I did not think about. The school districts are king in maintaining the price where I live. However some of the items like cul de sac, road, electric wires etc etc., just raises the price too much in bay area. Probably by same perc...
by ray.james
Mon Jul 04, 2016 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate location - Important factors
Replies: 19
Views: 1377

Real estate location - Important factors

Hello all, We live in Bay are and before that Phoenix. after seeing the last bubble and the current real estate market; I am wondering what factors influence 1) Price/value of the home. 2)Less reselling time. This is related to above but not complete correlation. In my limited home search based on p...
by ray.james
Fri Jul 01, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9457

Re: How many of you have cut cord?

I haven't had cable since I left home for college. Early Netflix adopter. Thinking of HBO now. OTA channels do the trick. Internet live casting does most of the other content I watch. So does a sizable chunk in my generation. Except for those that are huge games fan, most of us survive on Netflix.
by ray.james
Fri Jul 01, 2016 1:23 pm
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5783

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

Triceratops, This is a great thread. I have moved some international funds in to Tax deferred after realizing this. I do however think, despite tax efficiency sometimes international is best placed in taxable. Its market timing to guess volatility but TLH opportunities have been much higher due to v...
by ray.james
Fri Jul 01, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Really bad days (RBDs) and porfolio performance
Replies: 39
Views: 2257

Re: Really bad days (RBDs) and porfolio performance

Thanks Willbo for the analysis. Interesting graph. Looking at the graph carefully RBD did work until there is prolonged RBD or lets call it RBM - really bad month and a full blown recession? What is the expectation if there is a second RBD before it was re balanced back? Does it add another 5% or ke...
by ray.james
Thu Jun 30, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: What's the deal with Japan?
Replies: 62
Views: 6709

Re: What's the deal with Japan?

How have they lived so well during this period? I suspect that increasing debt has a lot to do with it. Currently Japanese governmental debt is 230% of GDP which by contrast makes Greece look like a responsible thrifty government. Debt is wonderful in the short term at maintaining lifestyle. In the...
by ray.james
Tue Jun 28, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Why is everyone up in arms about Costco's credit transition?
Replies: 65
Views: 5459

Re: Why is everyone up in arms about Costco's credit transition?

At my local Costco, it is still packed with people. There is one instance where someone had master debit card and Amex card. But that's all I saw as hiccups from transition. This pretty much sounds like Netflix increasing price by 2 dollars and lost value in stock for no reason. Less than 6 months l...
by ray.james
Tue Jun 28, 2016 4:11 pm
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 10423

Re: For those that "buy" during stock market downturns...

I change my allocation based on valuations. So usually a 15%+ drop is needed to make a change. Bonds floor :20%(Glide with age -20) stocks floor:40%- 25% US+ 15% international(same as above) So that's 60%. Other 40% will vary based on valuation. BTW, I didn't buy any different with this brexit as no...
by ray.james
Fri Jun 24, 2016 4:25 pm
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 12532

Re: Do You See it Now?

Good post. Nisi's post on this subject should probably be a paper in crowd theory journal or so. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939 Our U.S. stock fell, why? Did they all suddenly go bad? Are they going to stop selling products and making profits? Good try, but they haven...
by ray.james
Fri Jun 24, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 709900

Re: U.S. stocks in freefall

Ha! RBDs on a Friday do not have to acted upon. The Monday after a Friday RBD is always interesting. The weekend gives people time to look at their portfolios and make interesting decisions. You are not rebalancing into VXUS because it is a Friday ? It is currently down 6.5% :!: I recognize that it...
by ray.james
Fri Jun 24, 2016 3:51 pm
Forum: Investing - Theory, News & General
Topic: Technical analysis
Replies: 6
Views: 756

Re: Technical analysis

For someone who does not know anything about technical analysis, what is it exactly supposed to predict? recessions?

I realize it cannot predict natural disasters or black swan events.
by ray.james
Fri Jun 24, 2016 2:53 am
Forum: Investing - Help with Personal Investments
Topic: BREXIT - Invest tomorrow?
Replies: 68
Views: 10061

Re: BREXIT - Invest tomorrow?

ray.james wrote:I do not understand the Euphoria. In the last 5 days international was up 3.2%. And probably based on futures it will shed 3.5% BTW UK is only 15% of international.

I stand corrected. It is going to be 5-8%. Time to TLH.
by ray.james
Fri Jun 24, 2016 12:33 am
Forum: Investing - Help with Personal Investments
Topic: BREXIT - Invest tomorrow?
Replies: 68
Views: 10061

Re: BREXIT - Invest tomorrow?

I do not understand the Euphoria. In the last 5 days international was up 3.2%. And probably based on futures it will shed 3.5% BTW UK is only 15% of international.
by ray.james
Thu Jun 23, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Implications of 401k Saving while also managing Debt
Replies: 10
Views: 830

Re: Tax Implications of 401k Saving while also managing Debt

James, Klangfool is spot on. There are very few cases where forgoing 401k will make sense. I had a private loan of 10% in 2008-2009 days when I went with debt payoff but getting 401k only up to match. Somewhere down the road, I got a credit card with 0% APR for 18 months to pay off this debt complet...
by ray.james
Thu Jun 23, 2016 3:09 am
Forum: Personal Consumer Issues
Topic: Your favorite country to possibly retire to?
Replies: 89
Views: 6750

Re: Your favorite country to possibly retire to?

Malaysia/Indonesia - especially Bornea
Spain/Portugal
Uruguay/Chile

Each to its own advantages.
by ray.james
Wed Jun 22, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Online Access
Replies: 30
Views: 2044

Re: Costo Visa Online Access

I had issues with costcoSetup site last 2 days. So this morning I logged into citi account and then added it. I already had account as I had DoubleCash card. Both cards complement each other very well :D
by ray.james
Wed Jun 22, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Buy LNKD? [LinkedIn]
Replies: 14
Views: 1088

Re: Buy LNKD? [LinkedIn]

I have found better arbitrage situations like ETF's trading at discount right before nice dividend issue for 1-2%. What do you mean by this? A dividend doesn't change your total value. It is very vague but the primary driver is buying an international ETF on a RBD when it is on a discount of 1%. Th...
by ray.james
Tue Jun 21, 2016 10:52 pm
Forum: Investing - Theory, News & General
Topic: Buy LNKD? [LinkedIn]
Replies: 14
Views: 1088

Re: Buy LNKD? [LinkedIn]

This is not one of those "good way to make small %"
Linkedin stock was at 120 before. If that small margin of the deal not happening => 30% loss. Hmnn , no thanks.

I have found better arbitrage situations like ETF's trading at discount right before nice dividend issue for 1-2%.
by ray.james
Tue Jun 21, 2016 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Can we/Should we buy this house (SF Bay Area)
Replies: 54
Views: 5416

Re: Can we/Should we buy this house (SF Bay Area)

Speaking as a SF homeowner, I don't think you can just hand wave away the property taxes. They will be about $1000/mo. Sure that's deductable, but it's still $600+ real. And for a 60 year old house, you should budget at least $500/ mo for maintenance/cap-ex, imho. I believe Op's math is tax deducti...
by ray.james
Mon Jun 20, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house and IRS question
Replies: 19
Views: 1119

Re: Buying a house and IRS question

This happened to me when I made roth conversion and did not report it correctly.
Also happens with Roth withdrawals, interest account, last year state tax returns(took itemized) etc etc.,
by ray.james
Mon Jun 20, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/Should we buy this house (SF Bay Area)
Replies: 54
Views: 5416

Re: Can we/Should we buy this house (SF Bay Area)

OP, If you are happy with schools and commute(and possible future commute), go ahead and buy. Life is always uncertain. You have enough reserves to come out of recession unscathed. Other considerations: Check if you need more umbrella coverage since you have a new asset. Houses are old in Bay area. ...
by ray.james
Fri Jun 17, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 27001

Re: Could John Bogle Be Right About International Stock?

Kevin, Got to appreciate your patience. Some of the posts in this thread are pretty much petty! We used to have much better qualitative discussions on this topic. International seems to have been shunned constantly on the forum with new threads popping everywhere. Yet the core fundamentals of the as...

Go to advanced search