Search found 687 matches

by ray.james
Fri Dec 09, 2016 2:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 70
Views: 4620

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: 60
Views: 3546

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: 2263

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: 2476

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: 466

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: 5628

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: 5628

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: 1122

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: 359

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: 6090

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: 2476

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: 576

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: 1018

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: 1018

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: 1214

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: 436

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: 2115

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: 2115

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: 2115

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: 2462

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: 14679

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: 3284
Views: 788704

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: 117
Views: 9154

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: 194

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 ...
by ray.james
Wed Nov 16, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: TLH next year for short term losses[LTG this year]
Replies: 3
Views: 194

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

I do realize anything can happen next 30 days where my capital losses can disappear; I have long term gains this year as I adjusted tax efficiency of portfolio. I have short term losses now in bonds and should I wait until year end to take advantage of LTCG this year. I also have some interest incom...
by ray.james
Tue Nov 15, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14679

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

Cereal is cheap. We started having a cereal dinner when we were on our "money diet". We actually eat cereal for dinner a few times a month even now, as we found it is quick, easy, and we enjoy it. (We eat healthier cereals, not sugary ones). . Any recommendations? My wife switched to comp...
by ray.james
Tue Nov 15, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14679

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

Over past few years, we have bought down our food expenditure by eating out less. As for actual groceries, we buy meat, fruits and oats from Costco. Rice, beans and most vegetables from Asian store/farmers market occasionally. One has to be careful at Costco. Because of quantity size we only buy 1 i...
by ray.james
Mon Nov 14, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates
Replies: 2
Views: 907

Re: Mortgage Rates

Long term bonds have priced in the election surprise now. It is not easy for mortgage rates to head much higher from here unless inflation heads up way higher. Not just the talk of higher inflation or a few BP increase by Fed will do it, as that is precisely priced in.
by ray.james
Sun Nov 13, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: How to give a young traveller in France some "walking-around money?"
Replies: 25
Views: 2303

Re: How to give a young traveller in France some "walking-around money?"

I have used my no transaction fee card to buy a amazon giftcard for someone in Germany in euros(from German Amazon site), shipping to their place. NO fees anywhere. I am not sure if same can be achieved for visa/master cards. edit: I think I understood the question better. It is for someone about to...
by ray.james
Wed Nov 09, 2016 1:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3284
Views: 788704

Re: U.S. stocks in freefall

I do not understand the futures overreaction! This is not even Brexit. While it is a surprising result, this is not the same as ending trade deals with the major partner. While there may be similar rhetoric, the process is long and enduring to pass through US congress. Stay the course. If it helps f...
by ray.james
Fri Nov 04, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Debt or Taxable Account - Advice Please
Replies: 13
Views: 1053

Re: Debt or Taxable Account - Advice Please

Fisherman8, Others have argues on both sides and I agree with majority to pay down business loan. I would add one thing. Business have to weather economic downturns/recessions at least once a decade. Make sure your emergency/downtime fund is large enough for business loans + personal needs. Sometime...
by ray.james
Fri Nov 04, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: Low Interest Rates: Opportunities Missed?
Replies: 14
Views: 1885

Re: Low Interest Rates: Opportunities Missed?

I just wanted to point out to the OP that the interest payments on most Margin Loans are NOT fixed. These are typically floating rate and interest rates/payments can increase at the same time as when your leveraged asset faces a downturn. Most retail investors should not be using margin loans. If y...
by ray.james
Thu Nov 03, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: Low Interest Rates: Opportunities Missed?
Replies: 14
Views: 1885

Re: Low Interest Rates: Opportunities Missed?

I just wanted to point out to the OP that the interest payments on most Margin Loans are NOT fixed. These are typically floating rate and interest rates/payments can increase at the same time as when your leveraged asset faces a downturn. Most retail investors should not be using margin loans. If y...
by ray.james
Thu Nov 03, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: Remind me again why we put VXUS/total intl in our lazy 3 fund portfolio?
Replies: 26
Views: 3317

Re: Remind me again why we put VXUS/total intl in our lazy 3 fund portfolio?

I am curious on one thing. What is your expectation of the returns? I'm satisfied with nothing less than 300% returns annually. Netflix: 10000% over 15 years(~ 666% per year). 3000% over 10 years(~300% per year). Consistently rated A+. You are looking at wrong funds. https://www.google.com/finance?...
by ray.james
Wed Nov 02, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: Remind me again why we put VXUS/total intl in our lazy 3 fund portfolio?
Replies: 26
Views: 3317

Re: Remind me again why we put VXUS/total intl in our lazy 3 fund portfolio?

Alright guys I've read all the posts so far. Aside from the one post above (which seems to be against international) most of you essentially say ignore the last 5 year term (which is it's entire timeline since inception) and long term it should perform/protect me through diversification. So, I'll i...
by ray.james
Mon Oct 31, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Which new phone is the Best Buy for the money
Replies: 35
Views: 3138

Re: Which new phone is the Best Buy for the money

KlangFool wrote:OP,

1) Samsung J3 if you do not insist on IPhone.

2) If you insist on IPhone, IPhone SE.

KlangFool


A very good value. I went with honor 5x($120) over J3($200), But J3(Now 150) was awesome. Satisfied with both in store.
by ray.james
Thu Oct 27, 2016 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: California Real Estate, Taxes and Investing
Replies: 3
Views: 600

Re: California Real Estate, Taxes and Investing

Vanguard Limited-Term Tax-Exempt Fund Investor Shares (VMLTX)
Duration 2.4 years

Taxable in California but very less risk.
by ray.james
Mon Oct 24, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Car purchase "ripoffs"
Replies: 17
Views: 2753

Re: Car purchase "ripoffs"

The out the door cost the dealer provides us, is pretty much not the TCO. Those are sad examples and I read in paper last week more seniors are ripped off with IRS scam. I wish there was a personal finance class in schools starting around junior high or all college degrees must have basic 4-5 classe...
by ray.james
Thu Oct 20, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12586

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

How do people typically work with I-Bonds? Do you monitor the composite rate every 6 months and if a year has gone by, then decide whether to redeem/hold/(redeem and re-buy later) depending on how good the composite rate is OR kinda like fire and forget, where you just buy the I-Bonds and then hold...
by ray.james
Wed Oct 19, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 117
Views: 9154

Re: TaxAct pre-purchase discount

They usually have a 25% off for thanksgiving sale. I would check then. But agree with others, no emails this year.
by ray.james
Wed Oct 19, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Infiniti M37
Replies: 18
Views: 2043

Re: Infiniti M37

I have the G37. It is an absolute pleasure to drive it and the comfort is awesome. No issues at all. I test drove Q. They improved the technology stuff which I think G/M series lacked a bit, but did not have the the same drive/style feel. I would also recommend good tires and they reduce road noise ...
by ray.james
Wed Oct 19, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: SS COLA for 2017 will be 0.3% [Cost of Living Adjustment]
Replies: 34
Views: 3096

Re: SS COLA for 2017 will be 0.3%

Based on the press release, there is another important news for all wage earners: https://www.ssa.gov/news/press/releases/#/post/10-2016-1 the maximum amount of earnings subject to the Social Security tax (taxable maximum) will increase to $127,200 from $118,500 That is a big Jump! Not sure how the...
by ray.james
Wed Oct 19, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: SS COLA for 2017 will be 0.3% [Cost of Living Adjustment]
Replies: 34
Views: 3096

Re: SS COLA for 2017 will be 0.3%

Based on the press release, there is another important news for all wage earners: https://www.ssa.gov/news/press/releases/#/post/10-2016-1 the maximum amount of earnings subject to the Social Security tax (taxable maximum) will increase to $127,200 from $118,500 That is a big Jump! Not sure how the...
by ray.james
Tue Oct 18, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12586

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

You can buy right now and guarantee the 0.1% fixed rate. You will get the current variable rate of 0.16% for six months, for a composite rate of 0.26%. Then you'd get the 2.76% variable for six months, for a composite rate of 2.86%. That's about 1.56% over 12 months. Or, you can wait until November...
by ray.james
Tue Oct 18, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: SS COLA for 2017 will be 0.3% [Cost of Living Adjustment]
Replies: 34
Views: 3096

Re: SS COLA for 2017 will be 0.3%

Grt2bOutdoors wrote:Any chance they might increase the amount that can be deferred in retirement plans/IRA's for next year?


https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.html

Some changes in income limits but no change to the contribution amounts.
by ray.james
Tue Oct 18, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: SS COLA for 2017 will be 0.3% [Cost of Living Adjustment]
Replies: 34
Views: 3096

Re: SS COLA for 2017 will be 0.3%

Based on the press release, there is another important news for all wage earners: https://www.ssa.gov/news/press/releases/#/post/10-2016-1 the maximum amount of earnings subject to the Social Security tax (taxable maximum) will increase to $127,200 from $118,500 That is a big Jump! Not sure how they...
by ray.james
Fri Oct 07, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: mega backdoor Roth
Replies: 8
Views: 1235

Re: mega backdoor Roth

Mine needed to be maxed before after tax can be done and thereby mega-roth. If Roth is the goal, one can go Roth 401k.
by ray.james
Thu Oct 06, 2016 11:52 am
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 116
Views: 7570

Re: How Did You Become A Boglehead? What Led You Here?

A desire to build wealth.

The rest is 'google' in making bogleheads the vehicle.
by ray.james
Tue Oct 04, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 147
Views: 23941

Re: Bank of America/Merrill Edge - Preferred Rewards

One technical question I have is: The Preferred Rewards qualification and level is based on a 3 month average of assets, but do you need to have a checking account open during all those 3 months, or just at the end. I'm pretty sure it's the whole time. Once you qualify for a tier, you have it for 1...
by ray.james
Mon Oct 03, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 147
Views: 23941

Re: Bank of America/Merrill Edge - Preferred Rewards

I'm in the process of setting this up, moving sufficient investments to Merrill Edge to get the various Preferred Rewards perks (and the brokerage bonus). But I still need to open a checking account at BoA. One reason I'm holding out is that I'm hoping I can also get a bonus for opening the checkin...

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