Search found 1046 matches

by ray.james
Thu Jan 17, 2019 3:31 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 827
Views: 40749

Re: John Bogle has died at age 89

Rest in peace, Jack. Thank you for en-lighting the retail investors to indexing and lowering costs. You thoughts and the world you built is built enormous wealth for the little man.
by ray.james
Fri Jan 11, 2019 4:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 578
Views: 69226

Re: Post your Financial Milestone Announcements Here

CyclingDuo wrote:
Fri Jan 11, 2019 12:29 pm
Milestone reached for us this week:
That is one of the greatest gift to a child! Congratulations.
by ray.james
Tue Jan 08, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Pacifica Hybrid? Alternative? Now or Later?
Replies: 6
Views: 605

Re: Pacifica Hybrid? Alternative? Now or Later?

we did consider pacifica hybrid but went with clarity. Pretty happy with out decision so far. We will still go minivan route once kids are active enough for skiing, bring friends home etc, which is not for another 3-5 years. We replaced our newer car with clarity. The old one will be becoming mini-v...
by ray.james
Wed Dec 26, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Wow, Behaviorial Finance is Real
Replies: 49
Views: 9013

Re: Wow, Behaviorial Finance is Real

If it helps, I follow Mr. Bogle rule he mentioned this year bogleheads conference.

Half the time I think about increasing stocks and the other half decreasing, so this tells me I am at right allocation.(I do not know what I will feel at 40% drop yet :D )
by ray.james
Fri Dec 21, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Bear Market - Mindset Expectations
Replies: 61
Views: 6163

Re: Bear Market - Mindset Expectations

This is how I mentally exercise to keep my risk tolerance and anxiety to a low. These days I am more nuanced in my feeling for stock market. Up/down. I am not a new investor anymore :) Yearly I keep 2 numbers in mind - 30% down and 50% down to realize the possible wealth growth. Early this year I al...
by ray.james
Thu Dec 20, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 247
Views: 20607

Re: Whose buying today? where's all the "dry powder" folks at? :)

I will probably do roth contributions early if it keeps 20%+ down in January. Other than that as usual.

I am at 40% bonds due to valuations. I can go down to 15% if valuations are very favorable.
by ray.james
Wed Dec 19, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19502

Re: Favorite Purchase of 2018?

Instant pot, immersion blender and tortilla maker.

Improved out cooking times and comfort substantially! We eat 95% of meals at home; up from 75% and of much better quality.
by ray.james
Wed Dec 12, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20302

Re: What Happened to you during the Financial crisis of 2007–2008

In 2008 I was in college and traded leveraged ETF's and made some money. I then lost most of the profit. When I look back losing money in 2009 is probably because I was a fool and did not know what I was doing. In 2010 I got my first job. The job search for close to more than an year taught me some ...
by ray.james
Fri Dec 07, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Advice for 53 and 57 Year Olds
Replies: 6
Views: 700

Re: Life Insurance Advice for 53 and 57 Year Olds

I use the website https://www.term4sale.com/ to get some quotes. We recently added 25 year old policy as 30 year old couple. At their age and circumstances a good and independent agent can also help. They look through several companies and know limitations on weight, BP, cholesterol expectations wel...
by ray.james
Wed Nov 28, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6747

Re: Restaurant Budget

Been there - when I was single/DINK phase. Now I spend that much on total grocery + eating out. Two things that started me on the path: 1) Batch cook/Easy cook items: these are something you like - that you can either batch cook for 4 meals (or) you can cook for 20 minutes or less. For me these are ...
by ray.james
Mon Nov 26, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19906

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

The more I read bogleheads over years, The more I realize patience or what we call as actual risk tolerance is the key for investor success. The AA is only part of the equation but if one is not patient with any investment - liquid like stocks or illiquid like real estate, most of the gains are lost...
by ray.james
Mon Nov 26, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20721

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

Mine came in 36 hours later. So I guess there is a delay due to thanksgiving busy, but you will get it in a few days.
by ray.james
Tue Nov 20, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10112
Views: 1784228

Re: U.S. stocks in freefall

I wish I can change job, if and this correction holds into bear. Atleast holding my job in itself is cake. Job change to higher salary before it happens is the cherry.
by ray.james
Fri Nov 16, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10112
Views: 1784228

Re: U.S. stocks in freefall

I was RA that funded mine all through.
by ray.james
Tue Nov 13, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Time is upon us
Replies: 13
Views: 2590

Re: 2018 Tax Time is upon us

I am happy, I will be taking a standard deduction. Every single year I get exactly 13-14K deductible items(do not own a house, CA) and it is just more work for itemizing and adjusting next year returns.

Albeit, I added to the complexity by acquiring a rental. :?
by ray.james
Mon Nov 12, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 37
Views: 2689

Re: ICE, hybrid, Phev, electric for short trips

Update Just updating on old thread. We are almost set on a clarity Phev base version. We have few quotes and plan to purchase around thanksgiving. A few things happened over last year. 1) more short trips due to kids daycare and other activities. 2) more friends, farmers market opened in 3 mile radi...
by ray.james
Thu Nov 08, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2273

Re: New Treadmill - Proposition 65 Warning Label

A long time ago, prop 65 was useful in regards to lead paint, some kinds of resins for storage, older building materials used in insulation. These days it is a Joke. This is what happens when a decent enough legislation does not draw the line and there by becomes useless. The bigger problem is peopl...
by ray.james
Wed Nov 07, 2018 8:11 pm
Forum: Forum Issues and Administration
Topic: Remembering context of the post read so far
Replies: 5
Views: 688

Re: Remembering context of the post read so far

When you go to the Your Posts link, do you see a round icon to the left of the thread title, that is sometimes red? If you click that icon it should take you to the first unread post in that thread. Excellent that works! So the read icon always has the "unread" built into the link. I always thought...
by ray.james
Wed Nov 07, 2018 6:54 pm
Forum: Forum Issues and Administration
Topic: Remembering context of the post read so far
Replies: 5
Views: 688

Re: Remembering context of the post read so far

Ah! i see, makes sense; I just checked.

Is the limited functionality coming from phpbb or the feature disabled for this forum? Would be interesting to know from administrators. Thank you.
by ray.james
Wed Nov 07, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8484

Re: How high can House prices go

Also there are many countries where 40 year mortgages are also a good share of total mortgages. There are several ways the financial industry will cope with it to continue lending in their own interest.

We are not in a bubble though.
by ray.james
Wed Nov 07, 2018 3:30 pm
Forum: Forum Issues and Administration
Topic: Remembering context of the post read so far
Replies: 5
Views: 688

Remembering context of the post read so far

I am seeing something surprising with the forum software that I am unsure if it is a limited feature or a bug. The software seems to remember the last post I read and when I click on the thread next time - it takes me to the next immediate post that was "unread". However when I use the quick links t...
by ray.james
Wed Nov 07, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11288

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

It’s more advantageous to live where you can save more absolute dollars as long as the incremental spend is solely due to living in the HCOL area and you are willing to leave that HCOL area. If your expenses are $100k a year in HCOL and you’re able to save $50k a year that is better than living in ...
by ray.james
Thu Nov 01, 2018 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11288

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

As a side note, people are taxed marginally which is not cost adjusted. Some countries have different rental/house deduction based on their address - rural/urban. The reason I mention this, it is much easy to max 401k on 150k salary in Manhattan vs 75K salary in LCOL areas. For a working couple all ...
by ray.james
Wed Oct 31, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out at 39 yrs old.
Replies: 37
Views: 5412

Re: Just starting out at 39 yrs old.

As other echo'ed start on a path to saving and slowly educate yourself. When couple team up, it is probably the most efficient economic engine :happy You may target some goals like below and work towards them as you educate on investing path over next few years. In my view, Before your investing, th...
by ray.james
Sat Oct 27, 2018 2:49 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 72
Views: 10309

Re: Starting to smell like buying season?

You'll own a mutual fund that has them in it but pretend not to know the symbols? LOL sometimes I really think the Boglehead mentality is a cult. Yes, of course. I invest in index funds and don't care about individual stock ticker symbols. Besides their are like 4k stocks + tickers in an index. Wha...
by ray.james
Tue Oct 23, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 31
Views: 2761

Re: 2019 Chrysler Pacifica Hybrid

No have not noticed that issue but I don’t think we’ve ever driven under 35 degrees. We’re in California- it gets to freezing overnight but by the time we are up it’s warmer. If anything I’d say I’m getting better mileage on electric in the last month since it’s cooler so not running a/c. You also ...
by ray.james
Tue Oct 23, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Hedging tomorrow's tax rates
Replies: 32
Views: 2705

Re: Hedging tomorrow's tax rates

On an inflation-adjusted basis, this is unlikely unless you were a 'super saver' with tax-deferred accounts. Yes, the percentage of the your tax-deferred assets that must be withdrawn increases over time, but since this cuts into the growth of your account and inflation reduces the value of those w...
by ray.james
Mon Oct 22, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 128
Views: 7803

Re: 2019 Expenses > 2019 Income – Help us close the gap

Ron, here are some thoughts * Heloc * 0% 1-1.5 year credit card * Personal Loan * Roth * 401k Loan * cash-out refinance * reduce 401k this year and save cash for next year * If you company has, vacation pay cash-out options, you can do it this year and use that in 2019 I personally would do 401k loa...
by ray.james
Mon Oct 22, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Hedging tomorrow's tax rates
Replies: 32
Views: 2705

Re: Hedging tomorrow's tax rates

I have thought about it a few times over the years. There are indeed cut off points of wealth, where this can happen. A very simplified analysis in my view: Assumptions 1) Social security at FRA 2) probable retirement at 55-60 3) State tax rate at 5%(I live in Ca and used 9.) Most states have state ...
by ray.james
Mon Oct 22, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 31
Views: 2761

Re: 2019 Chrysler Pacifica Hybrid

Make sure you understand the difference between a hybrid and a plug-in electric/hybrid vehicle. A hybrid will have a smaller battery to assist the engine. There is no plug-in. The battery is charged by braking and the engine when running. A plug-in has two sets of batteries. The smaller hybrid assi...
by ray.james
Mon Oct 22, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 31
Views: 2761

Re: 2019 Chrysler Pacifica Hybrid

I am also interested in this thread. I have an office acquaintance who has it here in California. He has nothing but good things about it. He did have to take it a few times for maintenance/recalls but things seems to have ironed out after that. The pacifica forums does mentioned a bunch of major qu...
by ray.james
Thu Oct 11, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8565

Re: What did you buy today

Friday is automatic 401k contribution.
by ray.james
Thu Oct 11, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10112
Views: 1784228

Re: U.S. stocks in freefall

A few thoughts on how I handle emotions during these times if it helps others. In 2015 I did have mild jitters when I saw 1K+ losses all my accounts combined. So I formulated new strategy. Quarterly, when I update the spread sheet, I also note panic points which are 40-50% of account balances of sto...
by ray.james
Thu Oct 11, 2018 4:21 am
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1079

Re: Need money in settlement account to buy a non-VG ETF?

Does a similar process work for funds exchange as well? Eg: I can exchange vanguard to vanguard mutual fund. But, can I trade a Vanguard mutual fund to a third part ETF, using this 2 step process? Does the starting position being a mutual fund/ETF impact this? Thanks. ps: I too did not know about t...
by ray.james
Wed Oct 10, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1079

Re: Need money in settlement account to buy a non-VG ETF?

I have not tried to buy a non-VG ETF. But for a VG ETF, you should be able to: 1. place an order to transfer cash from your bank account -> Settlement 2. immediately afterwards, your settlement account will be credited and the funds will be "available to trade" (even though the cash will not be ext...
by ray.james
Wed Oct 10, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2018 VIDEOS
Replies: 22
Views: 3754

Re: BOGLEHEADS 2018 VIDEOS

I enjoyed the fireside chat and the presentation and several other reports posted so far. It is pleasure to listen to Mr. Bogle. Thanks for saving the video for the rest of us.
by ray.james
Tue Oct 09, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3522
Views: 1033878

Re: What Book Are You Currently Reading? Part VI

The Great Depression: a Diary by Benjamin Roth This is am amazing book and highly recommended by many on this forum. I had a few moments of fondly remembering myself during 2008 recession. I went on a quest to learn about economics and history during the recession and some of the authors feelings re...
by ray.james
Thu Oct 04, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 14172

Re: Correlation between the FIRE movement and one of the greatest bull markets

I think the 2008 recession is also a factor. Millennials saw how quickly people can lose their jobs and have their career derailed. I hope to have the option of working until I'm ready to quit, but I'm aware that it might not be up to me. ^this for me. I am on my path to FI. I would probably not re...
by ray.james
Tue Oct 02, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5860

Re: Root of Good's cost of raising a child: $3,300 per year

While I am not surprised with some backlash on usage of benefits, medicaid, cost of childcare...I am very surprised with how vocal some members are considering kids are not happy. Growing up in limited means, I often had to choose the least expensive activity like community YMCA classes and limited ...
by ray.james
Mon Oct 01, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10900

Re: SEC charges Musk with Fraud!!!

80,000 cars manufactured in current quarter. They are struggling to deliver them. Whatever one thinks of Tesla that is an impressive number. I know a few who are still waiting to get an email. For reference, Mercedes sells 90K in a quarter. BMW 70-75 and Audi 50K. I hope, Elon will keep this behind...
by ray.james
Mon Oct 01, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10900

Re: SEC charges Musk with Fraud!!!

80,000 cars manufactured in current quarter. They are struggling to deliver them. Whatever one thinks of Tesla that is an impressive number. I know a few who are still waiting to get an email. For reference, Mercedes sells 90K in a quarter. BMW 70-75 and Audi 50K. I hope, Elon will keep this behind ...
by ray.james
Wed Sep 19, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dad Died - Handling Mom's Finances
Replies: 17
Views: 2434

Re: Dad Died - Handling Mom's Finances

OP wrote: "My mom is in the process of transferring the IRA into her name" I did not see any place that indicated if your mother was over or under age 59-1/2. If she is less than 59-1/2 she may want to keep some of the IRA as an inherited IRA . She must take penalty free distributions from the inhe...
by ray.james
Wed Sep 12, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Short Term Market Uncertainty - "Buy" Insurance?
Replies: 33
Views: 2131

Re: Short Term Market Uncertainty - "Buy" Insurance?

I reduced my bond duration from intermediate to short. Deployed some Taxable stock and cash into real estate purchases for a great cash on cash return. Apart from that cautious and holding. Over last 2 years I increased my bonds to 25 from 15%(mainly to do with my AA and age). I am comfortable to ri...
by ray.james
Fri Sep 07, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10532

Re: Max you should invest in a 529?

I have thought a lot about it and gave up! I have decided to do this - 1) save 30K in the first 3 years of child life in a 529. Let it grow to 18. In 15 years this would be 85K.(this is 50% of expected 4 year) 2) Utilize megabackdoor roth as much as possible and as much as income/job allows 3) cash ...
by ray.james
Thu Sep 06, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7353

Re: Daily Driver (Car) Over 100K Miles?

GAAP wrote:
Thu Sep 06, 2018 4:39 pm
Just changed after 375,000 miles and 24 years. My wife changed last year after about 350,000 miles and 18 years -- but we gave that old vehicle to my daughter.
That is crazy reliability! Can you share what models are these.
by ray.james
Thu Sep 06, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5286

Re: Cost of car ownership: 6.5 years of data in the SF bay area

I live in the Bay and would have guessed lower costs. I think that insurance is contributing atleast 5-7 cents, California sales taxes + new vehicles have been a drag. How do you like the bolt compared to leaf? Yes, our insurance is quite expensive. It went up over 50% around 2010 when we moved fro...
by ray.james
Thu Sep 06, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5286

Re: Cost of car ownership: 6.5 years of data in the SF bay area

Here is our 12 years of data for 2 cars, on a cash flow basis. Comes from Quicken, but still had to be tidied it up in a spreadsheet which took a while. This is in the SF Bay area also. Santa Clara from 2007-2010, and San Jose from 2010 onwards. Maintenance costs are up with higher miles driven. Bo...