Search found 792 matches

by ray.james
Thu Aug 17, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio options when relocation to home country India is possible in distant future
Replies: 16
Views: 1010

Re: Portfolio options when relocation to home country India is possible in distant future

The big problem is that while the income tax paid limit is indexed for inflation the net worth limit is not. So, when the current expatriation tax laws went into effect in 2009 the tax paid limit was a five year average of $139K. That is now $162K. That $2 million in 2009 is still $2 million today ...
by ray.james
Wed Aug 16, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: The Mathematics of Retirement Investing
Replies: 117
Views: 12348

Re: The Mathematics of Retirement Investing

Dear Fozzy fosbourne, This thread is not about the advantages and drawbacks of a 60:40 portfolio against a 100:0 portfolio. We went over that, earlier in this thread. You're welcome to read earlier posts and discover why I am insisting to keep such a discussion for other threads. This thread is abo...
by ray.james
Wed Aug 16, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio options when relocation to home country India is possible in distant future
Replies: 16
Views: 1010

Re: Portfolio options when relocation to home country India is possible in distant future

The estate tax is levied on the US portion of an estate on death, and the exemption for non-resident aliens is a paltry $60k of US situs assets. A pre-tax retirement account such as an IRA or 401k is deemed to be a US situs asset, no matter what is held within it. Thank you, I am not aware of this....
by ray.james
Wed Aug 16, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: The Mathematics of Retirement Investing
Replies: 117
Views: 12348

Re: The Mathematics of Retirement Investing

LongInvest, this is a great thread. It took a little while to grasp what you are arriving at. And Crucher last post helped in grasping finer points. A number of retirement articles from CNBC to everywhere else which start with headline: "what happens if you save 1% more each year or 1 K more each ye...
by ray.james
Wed Aug 16, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio options when relocation to home country India is possible in distant future
Replies: 16
Views: 1010

Re: Portfolio options when relocation to home country India is possible in distant future

also learn about estate taxes, i.e. 40% of anything above $60000 What is this based on? Pretax retirement accounts or exit tax criteria for renunciation https://www.forbes.com/sites/robertwood/2017/02/27/renounce-u-s-heres-how-irs-computes-exit-tax/#35f0663e287d Edit: Even then it will only apply i...
by ray.james
Mon Aug 14, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 14994

Re: Tesla - next big lottery ticket ?

I like their solar bonds though. 5.5% for 2-3 year terms. Pretty sweet deal when they offer.
by ray.james
Mon Aug 14, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio options when relocation to home country India is possible in distant future
Replies: 16
Views: 1010

Re: Portfolio options when relocation to home country India is possible in distant future

I do not know the complications from moving to India but a few pointers to think about. (a) Need more info to actually conclude. Also there is a mathematical optimal solution and then there is one that works for you and your situation. Also note, principal of roth from backdoor method can only be wi...
by ray.james
Fri Aug 11, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 17
Views: 1771

Re: Redfin

I think they have a solid business model. There will be a lot of push back from realtors but for 90% of purchases, a full service provider does not add much value. They have indeed reduced net commission to 4.5%. If they continue it will end up settling around 2-3.5%
by ray.james
Mon Aug 07, 2017 2:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Celebrating 30 years with Vanguard!
Replies: 25
Views: 1961

Re: Celebrating 30 years with Vanguard!

Congratulations! That is quite a journey. In the era of internet and customer reviewed articles/books, people are finding this information much easier and hopefully making the informed choice to choosing vanguard/other low cost vendors. I am curious how people in 80's have chosen vanguard. What info...
by ray.james
Fri Aug 04, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 57
Views: 3693

Re: How much do kids cost in a high COLA?

I want to add points out side the daycare costs effect.(yeah daycare costs sometimes trump the rent too.) Buying a house in HCOL areas with good schools pushes one to spend too much too. Best schools are often in well funded areas and the homes plus income ranges tend to go up quite a bit. A lot of ...
by ray.james
Thu Aug 03, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21037

Re: A poll: How much money do you need to retire?

$1.3 million of 2017 dollar plus paid off home for financial independence.(no social security)
To retire early at 50 -55, I might target 2- 2.5mill depending on healthcare and education inflation.
by ray.james
Thu Jul 27, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why are they beating S/P? What am I missing?
Replies: 72
Views: 4251

Re: Why are they beating S/P? What am I missing?

That is actually an impressive IRR. It might be pure luck or some value investor who completely thought tech was crap in 1999 and took measures to go around it. I know someone who went individual stocks against tech in 2000 and thereby stayed out of 2001-2003 by being in defensive consumer staple st...
by ray.james
Tue Jul 25, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Pausing 401k to Pay Debts?
Replies: 48
Views: 2177

Re: Pausing 401k to Pay Debts?

OP, You have a cash flow problem because of payments. I would do a debt snowball method to dig out of principal. That is pay off the one with least balance. In few months you will have more cash flow which you can use for next least balance until the cash flow is enough to build retirement / emergen...
by ray.james
Mon Jul 24, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31292

Re: John Bogle Has Been Right About Investing In International Stocks

Not another one of these threads again To those who are arguing that international has no place with out reading the attached article, ever really looked at the S&P chart of last 20 years without apple? Today S&P TTM total earnings stand at $95. Apples share is at 8.5. One company of S&P...
by ray.james
Wed Jul 19, 2017 1:08 am
Forum: Investing - Theory, News & General
Topic: Stocks just got cheaper... per Vanguard [sudden change in Vanguard fund P/Es]
Replies: 29
Views: 4353

Re: Stocks just got cheaper... per Vanguard

I wouldn't worry about VG being very prompt and good about fund analytics projections. They only do backward looking earnings, do a fairly conservative handling of 0 and negative earnings and are not very prompt at updating the numbers. There are other sources which specialize in this stuff. The on...
by ray.james
Tue Jul 18, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 220
Views: 17163

Re: Buying house - Very important decision

PettyBogle, But so are Seattle, Denver, Austin, Raleigh, North NTC corridor, Portland, Salt Lake City, Phoenix which are actually far ahead. I do not think Nashville is even close as the tech jobs are concentrated in IT area rather than into product/start_ up/Cross-areas like biotech:manufacturing:r...
by ray.james
Mon Jul 17, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8831

Re: Personal Finance Milestone: 20 Times Annual Expense

Congratulations KalngFool.

The kids will understand your few more years of sacrifice to pay for their college once they are in real world. :beer
by ray.james
Mon Jul 17, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating Bonds During Record Stocks
Replies: 5
Views: 889

Re: Accumulating Bonds During Record Stocks

While I think you all could be right about market, if everyone is waiting for downturn, it is not going to happen. Even if it happens due to external shock, it will be small and short lived.

Bubbles like 2008/2001 are built on massive speculation but not fear.
by ray.james
Mon Jul 17, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Moving out of USA, How to optimize
Replies: 8
Views: 1169

Re: Moving out of USA, How to optimize

A few things: Note: I am not a current Lawyer/International Tax laws. - Are you planning to invest everything in USD? Make sure you have some residential address or vanguard/others will Kick accounts. - Are your kids planning to go for college is USA? 529 account investments are good for them to eve...
by ray.james
Fri Jul 14, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy... [a new car]
Replies: 43
Views: 3849

Re: To buy or not to buy...

New 2018 Camry's are rolling out across country and it is quite a bit of update. The mpg will ago get a +7 to +12 boost along with decent HP boost plus a lot others. This could be the cause of a new deal. With that age of the car, I would swap if a great deal presents itself.
by ray.james
Fri Jul 14, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: PersonalCapital.com help
Replies: 21
Views: 1539

Re: PersonalCapital.com help

tesuzuki2002 wrote:I've had on more than one occasion PC double count one of my accounts in the Networth... I.e. showing I had way more money than I actually have.


I had similar experience with my joint accounts.
by ray.james
Thu Jul 13, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 10467

Re: % bogleheads of overall population

Trying to estimate % of bogleheads is very error prone and unreliable. Something of interest from the report attached: In 2016, the average account balance for Vanguard participants was $96,495; the median balance was $24,713. Number of participant accounts (millions): 4.4 Number of plans (thousands...
by ray.james
Wed Jul 12, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13566

Re: Costco with a "gentle" bump for membership

7 Years ago I did the math every year. Then I married followed by a kid. Between diapers, fish, vitamins/others, baby clothes, books, snacks, milk I saved in hundreds every year. Not to say tires, autocare every 3 years(2 cars). One thing about costco, do not buy items as they are on deal. People te...
by ray.james
Wed Jul 05, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 93
Views: 12531

Re: Can we/should we afford a $2M house?

You can definitely afford the place. All it takes 1-3 years of careful planning. Consider early paying off the loan next 2-3 years and then recasting the loan so that payment is easier on 1 income.
by ray.james
Fri Jun 30, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Please suggest a $6K-$8K car
Replies: 22
Views: 1899

Re: Please suggest a $6K-$8K car

2013/2014 Hyundai Elantra 50-70K miles.

edit: or even a sonata with 1 year older. Often you can find better deals on these in private. 1 years olds selling at 10-12K for Elantras, 2-3 year old sonatas for 13-14K.
by ray.james
Fri Jun 30, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: Effect of bankruptcy on ira
Replies: 23
Views: 1979

Re: Effect of bankruptcy on ira

Quite an interesting read. Thanks JDCarpenter and others for great discussion.
by ray.james
Thu Jun 29, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Effect of bankruptcy on ira
Replies: 23
Views: 1979

Re: Effect of bankruptcy on ira

I learned (the hard way) that, depending on applicable state law, IRAs do not have the protection against judgments that 401ks do. I did not declare bankruptcy and lost several hundred thousand dollars in a work related civil judgment. If it is ok, can you reveal the state? Are there minimum amount...
by ray.james
Wed Jun 28, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Sell Energy Index (VDE) and take loss?
Replies: 43
Views: 2986

Re: Should I Sell Energy Index (VDE) and take loss?

rkhusky wrote:Tax Loss Harvest. Sell Energy. Buy Total Stock. Wait 30 days. Decide whether or not to buy Energy.


+1. I am surprised no one mentioned this!

Of course the risk is an middle east war where oil price goes up 3x in between. Else enjoy the 175$ off taxes.(assuming you pay LTCG)
by ray.james
Wed Jun 28, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Stop saving and start spending
Replies: 67
Views: 9413

Re: Stop saving and start spending

I think your savings are not enough. The home equity is good but is illiquid. One needs a home to stay and in recession selling a home is very hard. However, I would bring down savings to 100-125K and use the rest to increase life experiences. Travel a bit, engage in more meaningful weekend activiti...
by ray.james
Tue Jun 27, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 5950

Re: Bay Area housing

Several other raised that price to income does not make sense; Yet there are so many people with money to the existing housing stock, that this measure does not work in bay area. I agree. I would add: considering the number of unicorns that would go public in next 5 years, unless a a prolonged crash...
by ray.james
Tue Jun 27, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)
Replies: 9
Views: 801

Re: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)

Dual income means 2 401ks or at least 2 Roth ira.
Employer contributions.
Catch up contributions
Rollovers from 401k equivalents

These would make the difference.

Edit: added more
by ray.james
Wed Jun 21, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3447

Re: Christine Benz: "How to Make the Most of Your 401(k)"

Also, of interest most small/mid companies do not have a central place where they can manage links to all HR benefits and default logins. So in a week most will forget who the 401k provider was and whether there was a corporate link/login; whether percentage changes need to be done with 401k admin/H...
by ray.james
Tue Jun 20, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5549

Re: Alternatives to Amazon

I echo other who have mentioned target. I have found their 2 hr pickup/ship to store a very happy option and extremely comfortable. Further the online price is already matched with other retailers rather than seeing marked up ones on their own store shelves!
by ray.james
Mon Jun 12, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6051

Re: Have you canceled cable?

I strongly feel the last recession/recovery made a lot of people to move away from cable as part of cost cutting and several of them realized they do not miss it as much as they had thought.
by ray.james
Mon Jun 12, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard emrging mrkts, Ishares emrging mrkts, Van EM gov.bonds, VEU not US,BNDX
Replies: 17
Views: 1849

Re: Vanguard emrging mrkts, Ishares emrging mrkts, Van EM gov.bonds, VEU not US,BNDX

jdkoerner, I am huge EM believer but you need to look under the hood. In VWOB, China 14.8% -- seems slowing growth but fine Mexico 8.2% - high inflation but cannot sustain a trade war with USA Brazil 7.1% -- Thanks to petro brasilero 2 govt changes in 3 years. Just out of recession but might default...
by ray.james
Mon May 22, 2017 1:59 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 5448

Re: At what point to buy new car for safety

Also do not forget the severity of accident where someone lost a limb, severe injury etc.,

William4U, thanks for the great data and the discussion.
by ray.james
Thu May 11, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: General question of balance and compromise
Replies: 26
Views: 2139

Re: General question of balance and compromise

Beth, I think your question is a great one, especially because you are considering all 3 factors - spending, saving and cutting down life expenditure. My principle is simple. I strive to save 1/3rd of income unless it it detrimental to life quality. So when I was a student and made 1K per month, I s...
by ray.james
Fri May 05, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 242
Views: 40157

Re: I'm Calling an Emerging Markets Bottom

I did re balance a little but still 30% of international is EM vs 50% before. Back when Op made this thread, the dollar index is through the roof! VWO had made an almost 40% return since this thread with dividends included. The vanguard P/E is backward looking and uses harmonic series. One of the si...
by ray.james
Thu May 04, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 3301

Re: Consumer Reports

In addition, I would like to highlight a you tube reviewer who is very objective and talks through very professionally.
-- "Alex on Autos"

He also compares with comparable cars and usage items like trunks, car seats, lugging stuff etc.,
by ray.james
Wed May 03, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is 401k loan really a bad idea?
Replies: 57
Views: 3786

Re: Is 401k loan really a bad idea?

Wow, a long discussion! I am with livesoft on all the points 401k loans are awesome and I intend to use them when opportunities of other investment arise. The only reason is I - IF I have an employer plan, that will force me repay the full amount on job loss . This is the only factor that will force...
by ray.james
Wed Apr 26, 2017 3:35 pm
Forum: Investing - Theory, News & General
Topic: Have anyone thought ER/fees comes from gains but not total balance?
Replies: 9
Views: 961

Have anyone thought ER/fees comes from gains but not total balance?

This is actually a personal nitbit from pre-bogleheads days. I used to think adviser fees 1% is on the gains of the funds. My logic at the time when I read my first 401k plan was that I bought something and adviser is making gains, so he is taking a cut just like on profits of the gains. I did not r...
by ray.james
Sun Apr 09, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax] software asks driver license number
Replies: 15
Views: 1526

Re: [Tax] software asks driver license number

It is also need in California to e-file with a PIN but using AGI. I did not remember doing this last year.
by ray.james
Fri Mar 31, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 11712

Re: Saving 50% of salary; what does it really mean?

I assumed it is gross in most cases. May I add a much surprising example ? Saving in HCOL/high tax state like California. They also take only standard deduction too! 300K- 18K 401k 18 401k spouse 5K health insurance Plus FSA. They forgo even HSA! 259k - income left with 20k - standard deduction(igno...
by ray.james
Thu Mar 30, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: fee? Chase checking account to Vanguard Roth IRA
Replies: 3
Views: 362

Re: fee? Chase checking account to Vanguard Roth IRA

No fee for ACH push/pull. Use vanguard to add a bank account first and then pull money for chase.
If you do wire transfer then there is a small fee.
by ray.james
Wed Mar 29, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 11365

Re: Not opting for 529... anyone else?

We do but our choice is made is easier by employer match! yep, I was surprised when I read that in yearly benefits. Dollar to Dollar match up to 2k and up to 2 kids. My strategy is fund for 75% of state school tuition part. The rest is from cash flow/other accounts/making kids work summers. We are p...
by ray.james
Mon Mar 27, 2017 1:20 am
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 3791

Re: Buy a house or wait in bay area

Fremont is not in the same realm of normal in terms of commutes. Some parts of the city are affected in ways that are unimaginable. Other parts are fine. As of a couple of years ago, apps started advising people working in Silicon Valley and living in the East Bay to cut through Fremont. Traffic in...
by ray.james
Sun Mar 26, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 3791

Re: Buy a house or wait in bay area

Thanks for the great discussion! Great feedback everyone. I agree with other that if my wife were to commute long distance, this transition is not acceptable for our family too. It is an unknown at this point. Thanks for the feedback on time commitment, time constraints and other variables on earthq...
by ray.james
Fri Mar 24, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 3791

Re: Buy a house or wait in bay area

Frisco Kid wrote:May I ask what city you work in and where are you looking to buy?


Sure, San Mateo- almost foster city/Belmont area. Looking in North Fremont area.
by ray.james
Fri Mar 24, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 3791

Re: Buy a house or wait in bay area

I would not buy until you are ready to move in. Doing so is just speculating on where home values will go, and nobody knows that any better than they know the next week's stock prices. Agree, The thought is more of an inflation hedge in good school district if we choose to buy and rent. It is sligh...