Search found 979 matches

by ray.james
Fri Jul 20, 2018 1:17 am
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 219
Views: 9899

Re: Direct Real Estate Returns

This thread is truly interesting. I had second thoughts on real estate investing but I should say it is really one of the greatest wealth generator. But this is an very enlightening thread. Thanks wanderingDoc for some numbers. I do not think, I can find properties like that; but I can see several w...
by ray.james
Thu Jul 19, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring $2M out of Vietnam to the US
Replies: 16
Views: 1612

Re: Transferring $2M out of Vietnam to the US

Most countries have a process have a way to ask their central bank for special permission to repatriate as the person is not a citizen. Normal banks would not do it. Some countries have nationalized banks in which their central bank is just a committee. This is the first, best , a bit bureaucratic b...
by ray.james
Tue Jul 17, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Math help: 401k vs debt payoff formula
Replies: 17
Views: 1450

Re: Math help: 401k vs debt payoff formula

Thank you all for the responses. Based on the math from grabiner, jimb_fromATL ,danielC I was able to understand calculate the return correctly. I also do realize a stock return cannot be used for equivalent yield measure but one might do so in their own personal circumstances like debt payoff finis...
by ray.james
Tue Jul 17, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 6617

Re: Anyone not have a Budget?

I do have a budget, but my reasons are different. 1) I have an over all spending number in mind. I try to see if any fixed fixed costs can be reduced like bills for internet, phone, classes, chopping etc., 2)It is also to understand where my money goes. A clear idea of lifestyle inflation and flexib...
by ray.james
Sat Jul 14, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: Math help: 401k vs debt payoff formula
Replies: 17
Views: 1450

Re: Math help: 401k vs debt payoff formula

delamer wrote:
Sat Jul 14, 2018 6:29 pm
Are you trying to decide whether to use a current dollar to 1) payoff debt with post-tax dollars or 2) invest in your pre-tax 401(k) or 3) invest in munis with post-tax dollars?
Yes. Thank you for putting it much easier.

I know 401k comes ahead probably but I want to know - by how much.
by ray.james
Sat Jul 14, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Math help: 401k vs debt payoff formula
Replies: 17
Views: 1450

Math help: 401k vs debt payoff formula

I often run into threads, where I was unable to qualitatively put the yield on debt payoff vs 401k saving. The below math is what I struggle to understand which might help explain my point to new members well. Lets take an example: 1) Debt is at 6%. so the yield in this case is 6% 2) For 401k at 35%...
by ray.james
Fri Jul 13, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 352
Views: 11817

Re: COMING SOON: BOGLEHEADS PODCASTS

VictoriaF wrote:
Fri Jul 13, 2018 1:51 pm
"BLISS: Bogleheads Like It Simple"
I like this one!.
May be we will get to do a poll after long time...Mel? ::]
by ray.james
Thu Jul 12, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 352
Views: 11817

Re: COMING SOON: BOGLEHEADS PODCASTS

I think the name should reflect something to invite new members and thereby avoid complex book references. If I remember my earlier days, I browsed bogleheads 3-4 times for tax question before it piqued my interest. At the time, I have no idea who Bogle was, or indexing for that matter. It might hav...
by ray.james
Wed Jul 11, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5814

Re: Any Dry Powder Strategies?

WhiteMaxima wrote:
Wed Jul 11, 2018 4:07 pm
Just invest in vanguard balanced admiral fund (30/30/40) for life and forget about gun power.
You might be thinking about lifestratergy funds.
by ray.james
Wed Jul 11, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5814

Re: Any Dry Powder Strategies?

In my view dry powder is achieved in 2 ways. 1) Maintains 10-20/set percentage to cash and deploy them when a very good opportunity appears.(now build cash until it reaches level needed) 2) Take more risk in reasonable short time. eg: sell bonds to buy total stock. Sell total stock to buy a emerging...
by ray.james
Mon Jul 02, 2018 11:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 124
Views: 9408

Re: Vanguard to offer non-Vanguard ETFs commission-free

This is excellent news. IJS and FNDE are of interest to me.
Great job Mr. Buckley.
by ray.james
Wed Jun 27, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Saving For House Downpayment
Replies: 10
Views: 562

Re: Advice on Saving For House Downpayment

Vanguard short /limited term tax exempt fund are probably better deal as you are in 24% tax bracket.they do come with risk of 5% swing in worse case scenario but it is 1.9% federal tax tree.
by ray.james
Tue Jun 26, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Geopolitical events [Impact of recent trade policy decisions on the market]
Replies: 22
Views: 2206

Re: Geopolitical events

[Post removed by admin LadyGeek] Investors inevitably have to balance risk and reward. But in the modern world, the era of globalization has not only brought greater interdependence, in both the world economy and national security, but it has also made it increasingly difficult to dis-aggregate ris...
by ray.james
Tue Jun 26, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation Rate, isn't it personal?
Replies: 49
Views: 3586

Re: Inflation, isn't it personal?

The question is also how much different it will be . If the composition changes only slightly from the original percentages it is all not much. Yes it is different but not much. https://www.advisorperspectives.com/images/content_image/data/00/00d4029bf65b108fd54c5fd75562e9d4.png For us, the big diff...
by ray.james
Fri Jun 22, 2018 1:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mel Lindauer
Replies: 22
Views: 1348

Re: Happy Birthday Mel

Have Birthday day, Mel.
by ray.james
Fri Jun 22, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 14735

Re: Did you celebrate when you finally hit $1m?

It's not that much money when you consider that it would buy you only about a $3400/month inflation-adjusted pension which is on the low side of pensions for many who have them in workplaces where this is standard. Even coupled with, say, $2000/month social security, you would be living hand-to-mou...
by ray.james
Tue Jun 19, 2018 6:04 pm
Forum: Investing - Theory, News & General
Topic: General Electric booted from Dow Jones Industrial Average
Replies: 52
Views: 6386

Re: General Electric booted from Dow Jones Industrial Average

Rick Ferri wrote:
Tue Jun 19, 2018 5:24 pm
Who cares? The DJIA should have been retired a long time ago.
:happy
Today's cnbc headline- DOW turns negative for the year... quite relevant for news media. :P :P
by ray.james
Fri Jun 15, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3948

Re: I am STUNNED over how much help my friends recieved with house purchase!

Funny, sounds like you are envious and/ or jealous, but... that is okay. There is nothing wrong with wanting what someone else has that is human nature. The issue comes with denying your true feelings as it just eats you up (which is bad). I am sure you would LOVE to have someone write you a check ...
by ray.james
Fri Jun 15, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 73
Views: 6252

Re: Where to invest $50K+ down payment money for five years?

Hello I am not sure where you are. We are in CA and our down payment goal is higher than yours. We chose "limited term tax exempt fund" as our down payment. If you are in high tax rate, 50% ca/national intermediate term 50% limited term tax exempt is not bad. If you want a little risk - 25% stocks a...
by ray.james
Thu Jun 14, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8952

Re: [Looking for ways to reduce taxes and keep more of my income]

Yeah, the Nerdwallet calculator is trimming $8,100 from the taxable income. OP is also paying a Medicare surcharge of 0.9% for income above $250,000. Comes out to something like $1,500. I never even knew this! So for couple this is 0.9% on 250K which is the social security wage base ?(includes 401k...
by ray.james
Wed Jun 13, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 95
Views: 9738

Re: At what point to buy new car for safety

ThankYouJack wrote:
Tue Jun 12, 2018 7:47 pm

Subaru Outback with the eyesight package
Thanks. I am glad Consumer Reports started the technology survey. I think it will help when there is a jump in technology. most of the tech are now switching to second gen which I think is a good leap on false positives.
by ray.james
Wed Jun 13, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 7268

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

I am a millennial who crossed 30. As other have echoed debt and child care costs are the key. Many friends stopped with 1 kid and some probably not gonna have even that. To simplify, the problem is given a "budget/pay" its a musical chairs between 1) debt from student loans 2)home buying 3)raising k...
by ray.james
Tue Jun 12, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 65
Views: 5607

Re: Strategy for a prolonged bear market

In an extended bear, an 'age in bonds' type AA glide path will reduce the amount by which one sells bonds to 'catch a falling knife'. To explain a bit more: I take math and rebalancing (annually or per bands) as a given. AA and Risk Tolerance are open to more debate. Rebalancing an 80/20 portfolio ...
by ray.james
Tue Jun 12, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 95
Views: 9738

Re: At what point to buy new car for safety

My old car has ESC so not much gain there. I haven't heard of active headrests. My newer car has auto-braking which I love, especially using adaptive cruise control. Blind spot monitoring, especially backing up is nice too. May I ask what model is this? We are looking for family cars as well and to...
by ray.james
Tue Jun 12, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8952

Re: Getting killed on taxes - any ideas?

This is the stack I see from other posts: ----- HSA DFSA -dependent fsa-childcare 2- 401ks 457 2- roth IRA 2 - Mega back door roth I-Bonds 529(on your name if kids are in future) ------- Ofcourse not everything is possible for everyone due to plan limits/job types/kids present, etc., The above entai...
by ray.james
Wed Jun 06, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9330

Re: "Open Social Security" calculator: feature requests, bug reports, etc

One question I have which I am not sure whether it will impact or something a calculator can compute.
If one spouse is in poor health/expected to live shorter than other how does the optimal math change. I think for this to compute we need to give a possible life span.
by ray.james
Fri Jun 01, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 6511

Re: Instant pot pressure cooker

It is beyond me why you would cook veggies or a roast in it. Unless it is a pot roast or pork shoulder. A pork shoulder will take 1/3 the time as an oven (or less). Ribs will take 1/3 the time. I'm not going to cook zucchini and a chicken breast in it. It is a tool that needs to be used appropriate...
by ray.james
Fri Jun 01, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 6511

Re: Instant pot pressure cooker

We too are using it much more than intended. Partial cooking items: Beans, stews, steamer for potatoes, cauliflower and other root veggies. Full meal items: chili, lenthil soup/curries, Pasta dishes -marinara/alfredo(pesto did not taste well), jambalaya - a little moist but works well and easy; chic...
by ray.james
Fri May 25, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1220

Re: Which tickets would you buy in advance (Europe)?

We found the Roma Pass to a good value in Rome during a three night stay. Access to major sites and some public transportation. ~Big Dutch +1 Even if you do not do Roma pass, if you want to do tours Colosseum,(+ underground/belvedere) tours are really good and sell out. Getting tickets early helps ...
by ray.james
Wed May 23, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 8185

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

4stars, Some really thoughtful comments from others. I will add a few that weren't focused much --9K per year spending will go down as kids go to college. So your real need is possibly much less post kids phase, especially with paid off home. You start with high need of money which goes down slowly....
by ray.james
Thu May 10, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 6354

Re: Do we spend too much on food?

Me and my wife jokingly call our eating out spend in chipotle meter. At $8 with tax in our area, OP would get 600/8 = 75 chipotle meals. This is 37.5 meals per person in a family of 2 adults.. In this case essentially both are eating atleast one meal out in a day. We personally try to stick to no mo...
by ray.james
Thu May 10, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 6354

Re: Do we spend too much on food?

I'm really impressed by a number of the posters here with their incredibly low food spending budget, but even when I was single in graduate school cooking bulk curry meals over the weekend to last me for the next five days, I was spending more than $300 a month for ONE person. Caduceus , It is actu...
by ray.james
Thu May 03, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3836

Re: Not Wasting Food: planning perishables

We stopped buying some items from Costco - especially berries, grapes, some veggies, sauces/dips - just too much waste For us, we alternate between Costco and Asian grocery stores to get the best value. Any meal is 7 portions that covers two meals for 3.5 ppl. So most veggies/fruits get utilized wel...
by ray.james
Mon Apr 23, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 3301

Re: Hyundai Kona

Is this the same platform as kia niro?
by ray.james
Sun Apr 22, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 20
Views: 1861

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

I don't know, I think you should pass and wait for the technology to mature. We leased a Kia Niro this year for the mileage and safety features and will likely turn it in and buy a Leaf or something similar in three years. Or keep it if we can get a deal on the buy out. Or consider a used Nissan Le...
by ray.james
Sun Apr 22, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 20
Views: 1861

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

I was considering a phev/EV as well due to 5 mile radius Max of everything we do except a weekend. 4 years is too long in battery tech in my opinion. What's stopping from using it right now? Especially given such a long commute.
by ray.james
Wed Apr 18, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Overall Help w/ Budget
Replies: 15
Views: 1598

Re: Overall Help w/ Budget

I think you are very much on right track, but you need atleast 15K emergency fund in case one you loses job and atleast 25K if both lose hours/reduced income to weather a recession. 1) Build up 20k emergency fund - this will take 1 year. I would even pause ira even...but does not matter at this stag...
by ray.james
Wed Apr 18, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 2200

Re: Trying to simplify investments,--Please help

What are the benefits of a Joint Taxable account vs Separate His & Her Accounts ?? 1 account rather than 2 a tax time Stepped up basis when one of the spouse passes away.(need to check your state law) In case of death the ownership passes to other person automatically. - no will/estate asset alloca...
by ray.james
Wed Apr 18, 2018 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 7522

Re: Help me explain why pre-tax investing can help when retiring in same bracket

Let me try... - The tax you have to pay on your traditional 401k is the “premium” - if you have a set back during your life as described, you pay less in tax i.e. “premium” and get to keep more of what you contribute to the trad 401k. (As opposed to pre-pay more tax in the case of Roth 401k, the ta...
by ray.james
Wed Apr 18, 2018 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 7522

Re: Help me explain why pre-tax investing can help when retiring in same bracket

I would add an emotional point rather than math point as an millennial. When I graduated in 2009/2010 it scarred enough to consider roth or taxable only. The first 25k/50k savings for any single person is very precious and confidence boosting. It certainly helped me in next phase to max out pre-tax ...
by ray.james
Tue Apr 17, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 2200

Re: Trying to simplify investments,--Please help

You might want to consider a Joint taxable account... It simplifies a lot of things for a couple with simple will. Further, implementing a 2-4 fund portfolio is very easy. Her Taxable: 2% (VTMGX) Vanguard Developed Markets Index Fund Admiral Shares (0.07%) - Is this a TLH or sitting on a lot of gain...
by ray.james
Thu Apr 12, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 282
Views: 53296

Re: I'm Calling an Emerging Markets Bottom

Ding! Valuation alert. Fundamental index EM are now under 10 F-p/e. Yes this is not 2016 lows in pricing, but earnings were way up to bring it back under 10. The regular index is at 13.5 which is higher than 12 it was when this thread started but came down from 15. Both are at 3% yield. Which index...
by ray.james
Wed Apr 11, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets tilt
Replies: 37
Views: 3555

Re: Emerging markets tilt

My tilt is similar to alphine_boglehead - 25% and it started a bit around when Grap started the EM value thread. Before that it was VSS - vanguard international small cap. My tilt is also entirely in Roth which makes it more valuable. My reason was value compared to others, market valuation in home ...
by ray.james
Wed Apr 04, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451368

Re: U.S. stocks in freefall

RetireBy55 wrote:
Wed Apr 04, 2018 1:53 pm
Love it. We now have a TOTALLY NEW type of market - the BUNNY MARKET!
YaY eeeyaa Yay eeya
Easter is over,
but bunny is here to stay
by ray.james
Wed Apr 04, 2018 12:31 am
Forum: Personal Finance (Not Investing)
Topic: State tax due at tax time - ever become deductible on Federal?
Replies: 3
Views: 458

Re: State tax due at tax time - ever become deductible on Federal?

I think you understand. State taxes are deductible in the year paid. So I think you are paying the $600 in 2018 but can not itemize for tax year 2018. In this case, it is “lost.” Thanks katietsu..I was coming to same conclusion but unsure. I wish I paid attention to all those tax prepaying threads....
by ray.james
Wed Apr 04, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: State tax due at tax time - ever become deductible on Federal?
Replies: 3
Views: 458

State tax due at tax time - ever become deductible on Federal?

I am trying to understand if the state taxes due at tax time are deductible if one is itemizing on federal? If I did not pay estimated taxes, and the next year given I will be using standard deduction, the excess state taxes paid at tax time is a lost deduction forever. How does this account work Sn...
by ray.james
Thu Mar 29, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 4385

Re: Comparison of grocery prices?

At my local costco Whole milk, gallon - $4.64 - 2 gallons Large eggs, dozen - $3.24 - 2 dozens Bananas, each - 1.36 - 7-8 bananas Ataulfo mangoes, each - $0.79 - same I think Large Hass avocados, six - $7.59 6 Organic Bell peppers - 6.99 Organic Jumbo Onions 10 pounds 4.64 Tomatoes on vine 1.86 per ...
by ray.james
Thu Mar 29, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 14407

Re: Healthy eaters -- is this grocery budget normal to you?

Somewhere this thread took a dirty turn! Back to OP, We struggle with somewhat same questions and recently with a young child. We concluded to do something different. Oats, Rice, Quinoa, Different beans/legumes, lentils,Dairy make up more than half of our diet. There is no difference between organic...
by ray.james
Tue Mar 27, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Which of our cars should we use more, old or new?
Replies: 32
Views: 2503

Re: Which of our cars should we use more, old or new?

We had that conundrum until baby came along. Baby always gets the new safe car.

edit: spell error.
by ray.james
Mon Mar 26, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 9953

Re: Blasphemy... DO PEEK!

I just want to bump this thread and the excellent suggestion made by siamond. For some peeking and becoming comfortable with changing asset values and the range of changes. We are at an 10 year bull term and many including me have some /considerable amount of money saved and seeing swings in the tun...