My H's name is Ross. I usually type "Ross's". But that's different from James I think. "Ross's" sounds correct but how I'd say "James's" sounds weird to me, but I still think that's how I'd say it. I guess I don't say it that often, haha.
I think I'm thinking James's sounds like "James is" and James' sounds like "James" but I'm probably crazy. Like I said, I don't really say this often, haha. Obviously I wasn't an English major, although there are other grammar related things that drive me nuts that may not bother other people as much!
"Why would you ruin perfectly good peanuts by adding candy corn? That's like saying hey, I have these awesome nachos, guess I better add some dryer lint." - Nonny