Search found 1824 matches

by Sammy_M
Fri Feb 12, 2016 2:30 am
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4248

Re: Managing kid's internet use

Open DNS and blocking at the router level. That way any devices that connect to the wireless network are subject to parental controls. Plus keeping the main computer in common area. What's a router? What's DNS? Seriously, the technical skill for doing these things is probably more than the average ...
by Sammy_M
Sun Feb 07, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4248

Re: Managing kid's internet use

Open DNS and blocking at the router level. That way any devices that connect to the wireless network are subject to parental controls.

Plus keeping the main computer in common area.
by Sammy_M
Sat Feb 06, 2016 8:10 am
Forum: Investing - Help with Personal Investments
Topic: How to behave on a RGD (Really Good Day)?
Replies: 17
Views: 1912

Re: How to behave on a RGD (Really Good Day)?

Recall a past topic in which Larry Swedroe advocated 5/20 bands. My half-memory of his argument was that as rebalancing is to control risk/return, wider bands would expose us to more/less risk/return than we originally established with our chosen AA. Of course, if we accept the risk (we are as like...
by Sammy_M
Sat Feb 06, 2016 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or iShares for total stk market?
Replies: 34
Views: 2795

Re: Fidelity or iShares for total stk market?

To the OP's question, the answer is simple. If taxable, buy the iShares Core ETF which has no transaction fees and reasonable bid-ask spread.
by Sammy_M
Fri Feb 05, 2016 6:40 am
Forum: Investing - Help with Personal Investments
Topic: How to behave on a RGD (Really Good Day)?
Replies: 17
Views: 1912

Re: How to behave on a RGD (Really Good Day)?

Kevin M wrote:Maybe the 5/25 bands are too narrow considering taxes and the volatility of the investment.

I agree with this, specifically the 25% deviation part. PME has BIG swings. I hold in tax-advantaged, and still will not be rebalancing that frequently.
by Sammy_M
Fri Feb 05, 2016 6:27 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or iShares for total stk market?
Replies: 34
Views: 2795

Re: Fidelity or iShares for total stk market?

iShares ETF if taxable. ETF is inherently more tax efficient. If you transfer brokerages you can move the ETF in-kind. I'm not certain whether that is the case with Fidelity Spartan funds. Maybe someone else can comment. Probably iShares ETF for tax-advantaged accounts too is you're not getting the ...
by Sammy_M
Sun Jan 31, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling Over 529 $ from 2 Different States
Replies: 9
Views: 830

Re: Rolling Over 529 $ from 2 Different States

betterfinances wrote:Uh, why are people trying to move 529s from one state to another?

No in-state tax deduction.
Fixed income rate changes.
Wisen up about benefits of a particular plan.
by Sammy_M
Sun Jan 31, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Rolling Over 529 $ from 2 Different States
Replies: 9
Views: 830

Re: Rolling Over 529 $ *to* 2 Different States

Resurrecting this thread because I am in a similar position, but am trying to go to 2 states. Child 1 and Child 2's 529's are about the same size. Both are in State 1 plan. Child 1's has only been there since Sept '15 when it was transferred from another state. Unfortunately the rate dropped as of 1...
by Sammy_M
Wed Jan 27, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: Software to combine multiple video or audio files
Replies: 16
Views: 966

Re: Software to combine multiple video or audio files

For audio, Audacity has worked well for me. For video, I've used Windows Move Maker but there are probably better options. Both of the ones mentioned are free.
by Sammy_M
Sun Jan 24, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: Why don't people like the higher level of real estate allocation in Swensen lazy portfolio?
Replies: 33
Views: 2943

Re: Why don't people like the higher level of real estate allocation in Swensen lazy portfolio?

I don't invest in REITS because I have enough residential real estate exposure as it is. I like the idea of 20% in real estate, but not necessarily 20% in REITs. If you don't want to invest in real estate directly or via syndications and are only doing REITS, I think 20% is too much. How does one pr...
by Sammy_M
Sat Jan 23, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds
Replies: 27
Views: 3090

Re: I Bonds

^It is also likely that times when you might need emergency funds (unemployment, high med expenses, etc.) are going to be times when your tax rate is lower.
by Sammy_M
Sat Jan 23, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds
Replies: 27
Views: 3090

Re: I Bonds

3. In college savings, when you are in a state that has no state tax, under certain income levels you can use proceeds tax free for educational purposes. Many more I'm sure. You can use proceeds tax free for qualified educational purposes if under certain income levels, yes, this is true. I-Bonds a...
by Sammy_M
Sat Jan 23, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5817

Re: What was the 2000 crash like in real time?

^And then Enron and WorldCom fiasos in 2002
by Sammy_M
Thu Jan 21, 2016 5:57 am
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5959

Re: Going from 50/50 US/Int to All US

Don't do it. Over the long run, it doesn't matter so much the allocation you choose, as much as the choice to stick with it, even when you are feeling like you are now. When things have been going bad, there will always be experts on the other side of the argument who make a lot of sense to you at t...
by Sammy_M
Wed Jan 20, 2016 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: eyeing micro-cap stocks
Replies: 39
Views: 2907

Re: eyeing micro-cap stocks

. Would just stick with passive funds - if you want micro-cap exposure Bridgeway (BRSIX) is a good choice IMO, but would not suggest market timing, but rather use as long-term holding. . I wholly agree about passive, but have been disappointed with BRSIX's tax efficiency and negative alpha in the l...
by Sammy_M
Wed Jan 20, 2016 7:50 am
Forum: Investing - Help with Personal Investments
Topic: 529 vs Pre-Paid Plan in Massachusetts?
Replies: 13
Views: 1156

Re: 529 vs Pre-Paid Plan in Massachusetts?

I agree with randomguy's point, but would fund more than that in the U.Plan if you think they could end up going to a MA private university. The overage will still earn CPI tax free, and I don't feel the Am. Opportunity Credit should drive the decision. The Utah 529 plan is very good, particularly i...
by Sammy_M
Tue Jan 19, 2016 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: 529 vs Pre-Paid Plan in Massachusetts?
Replies: 13
Views: 1156

Re: 529 vs Pre-Paid Plan in Massachusetts?

Don't forget that you must keep at least $4k of tuition payments each year ($16k in all) in taxable accounts to take advantage of the American Opportunity Tax Credit , a $2.5k/year Federal tax credit (100% of the first $2k of tuition payments & 25% of the next $2k of tuition payments). You can'...
by Sammy_M
Sun Jan 17, 2016 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: 529 vs Pre-Paid Plan in Massachusetts?
Replies: 13
Views: 1156

Re: 529 vs Pre-Paid Plan in Massachusetts?

Because Harvard and MIT don't participate. Also, I said "tax-free, virtually risk-free returns equal to CPI" without looking into it. I recommend that you verify that if your kids go to a non-participating school that when you receive the proceeds with CPI returns, that those returns aren'...
by Sammy_M
Sun Jan 17, 2016 9:07 am
Forum: Investing - Help with Personal Investments
Topic: 529 vs Pre-Paid Plan in Massachusetts?
Replies: 13
Views: 1156

Re: 529 vs Pre-Paid Plan in Massachusetts?

Do most kids who graduate from your town's high school go to MA colleges? Any chance they would be going to Ivy schools? If the answers are yes and no respectively, U.Plan sounds great. At worst you'll get tax-free, virtually risk-free returns equal to CPI. Hard to beat that with fixed income these ...
by Sammy_M
Wed Jan 13, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 4525

Re: Can someone simplify the Asset Location debate?

In your model, the IRS and state own 31.6% (not 33% because state tax is deductible from federal tax) of your IRA Thank you for checking out the model and pointing this out. I've made the adjustment. However, an exception to the statement is for those subject to AMT. Check your risk numbers; see wh...
by Sammy_M
Tue Jan 12, 2016 12:47 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 4525

Re: Can someone simplify the Asset Location debate?

Taylor Larimore wrote:When experts disagree, it is often because it does not make a foreseeable difference.


I think the underlined word is very important. It can make a big difference as noted in my scenario below, but we don't know the future.

Image
by Sammy_M
Mon Jan 11, 2016 6:25 am
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 4525

Re: Can someone simplify the Asset Location debate?

Here is another way to simplify: 1. Anything can be held in a Roth IRA: bonds, equities, REITs, whatever. 2. Anything can be held in a traditional IRA or 401(k): bonds, equities, REITs, whatever. 3. A taxable account should be used for tax-efficient investments: index funds with low turnover that p...
by Sammy_M
Sun Jan 10, 2016 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10842

Re: Are Bogleheads Buying I-Bonds 2016?

My goal is to evaluate which is the superior strategy between I-Bonds in taxable + stocks in a TIRA vs. stocks in taxable + TIPS in TIRA This is a complicated comparison, Sammy. Be aware of the following: ⋅ I don't think it's realistic to assume a 0.1% fixed rate I Bond will be held 30 ye...
by Sammy_M
Sat Jan 09, 2016 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10842

Re: Are Bogleheads Buying I-Bonds 2016?

Here's an example using a 1.25% yield for the TIPS and a 0.1% fixed rate for the I Bond over 30 years with a 2% annual increase in the CPI. Thank you the formulas and analysis above. I wonder if you would mind assisting with a question. I added two columns to your analysis. One for stocks in taxabl...
by Sammy_M
Mon Jan 04, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10842

Re: Are Bogleheads Buying I-Bonds 2016?

I agree TIPS in a 401K/IRA are preferable to I-Bonds, but no one should buy I-Bonds before fully funding their 401K/IRA, etc. Then...if you then buy I-Bonds, you can place other tax inefficient assets in your 401K/IRA. What is "tax-efficient" vs. not is relative. For higher earners, it may...
by Sammy_M
Sun Jan 03, 2016 10:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard Fund Returns
Replies: 16
Views: 3174

Re: Vanguard Fund Returns

One more interesting point. The Vanguard Global Minimum Volatility Fund Investor Shares, an actively managed fund with a 50 US/50 INTL low volatility portfolio using currency hedging in INTL was up +5.8% for the year, 7.8% higher than the Total World Stock Index Fund which has an identical US/INTL ...
by Sammy_M
Sun Jan 03, 2016 8:01 am
Forum: Investing - Theory, News & General
Topic: RAFI adds quality and momentum screens to value strategies
Replies: 1
Views: 333

Re: RAFI adds quality and momentum screens to value strategies

Thanks for sharing. Added the ERs for those interested PIMCO RAE Fundamental Global Fund - 50bp PIMCO RAE Fundamental US Fund - 40bp PIMCO RAE Fundamental US Small Fund - 50bp PIMCO RAE Fundamental International Fund - 50bp PIMCO RAE Fundamental Emerging Markets Fund -75bp They look to be a little l...
by Sammy_M
Sat Jan 02, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10842

Re: Are Bogleheads Buying I-Bonds 2016?

I am not Kevin M, but I don't think there's any easy way to answer that question. First of all, it depends on your marginal rates when you are older. Some factors are more or less predictable (like SS, DB pension, RMDs) and others are not (how your investments perform, inflation rates, changes in t...
by Sammy_M
Sat Jan 02, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10842

Re: Are Bogleheads Buying I-Bonds 2016?

I see no benefit to increasing "tax-advantaged space" that can hold only a security earning 0.1% real, so it doesn't bother me at all that I didn't get my $20K allocation of additional "tax-deferred space" in 2015. The tax deferment is of little to no value to me, since I expect...
by Sammy_M
Fri Jan 01, 2016 8:03 pm
Forum: Investing - Theory, News & General
Topic: The 529: The Ultimate Bond Vehicle?
Replies: 21
Views: 2814

Re: The 529: The Ultimate Bond Vehicle?

or I-Bonds and EE Bonds. $10k per spouse per type.
by Sammy_M
Wed Dec 30, 2015 5:43 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3726

Re: What do you think of 5 year TIPS?

This should be a showcase thread. Start with a simple question of "what do you think of 5 year TIPS"...and magnificently analytical responses follow.

p.s. cudos on the chart
by Sammy_M
Wed Dec 30, 2015 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 3269

Re: vwehx [Vanguard Hi-Yield Corporate Fund]

I think Mel is just saying that if an investor is going to look at assets in isolation, high-yield should be less volatile than stocks. Of course a counter point is that assets should not be looked at in isolation, but that is easier to say than for some people to do. Here's the crux though: The OP ...
by Sammy_M
Tue Dec 29, 2015 11:21 am
Forum: Investing - Help with Personal Investments
Topic: More capital loss carryovers than can use in lifetime
Replies: 21
Views: 1651

Re: More capital loss carryovers than can use in lifetime

Other approaches: 1. I would sell the TSM that's in my taxable account, and then buy it back a couple of days later. Is doing that 4 times a year against any Vanguard "churning" rules? Are there any IRS rules that I would run afoul of? This is the one I am leaning toward since they have a...
by Sammy_M
Tue Dec 29, 2015 11:01 am
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 3269

Re: vwehx [Vanguard Hi-Yield Corporate Fund]

IRA Wellesley (VWIAX)-----------------18% Wellington (VWENX)---------------30% Emerg. Mkts. (VEMAX)------------- 5% Money Mkt. (VMMXX)--------------24% Non IRA Total Stock Mkt (VTSAX)------------8% Bank Demand Deposits-------------15% Total---------------------------------100% What's your overall d...
by Sammy_M
Tue Dec 29, 2015 9:13 am
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 3269

Re: vwehx

Thanks to all who replied. I will try to add some requested additional info. Current IRA portfolio: Wellesley VWIAX 24% Wellington VWENX 40% Emerg. Mkt. VEMAX 7% Money Mkt. VMMXX 29% RMDs taken annually, taxes sent to govt. & balance reinvested in Vanguard Total Stock Market in non IRA account....
by Sammy_M
Tue Dec 29, 2015 8:53 am
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 3269

Re: vwehx [Vanguard Hi-Yield Corporate Fund]

IMHO, an investor should look at their total fixed income holdings in context of the overall portfolio and tax situation. For example, If you hold 90% of your fixed income in CDs, Govt Savings Bonds, and Treasuries (perhaps in taxable), adding 10% in High Yield Corporates (perhaps in IRAs) is a fine...
by Sammy_M
Mon Dec 28, 2015 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: More capital loss carryovers than can use in lifetime
Replies: 21
Views: 1651

Re: More capital loss carryovers than can use in lifetime

Dec. Date is meaningless. It is the ex-dividend date that is important. What would be the ex-dividend date for the mutual funds in table 1? record date? https://personal.vanguard.com/us/insights/article/estimated-yearend-distributions-122015 Earlier I made a point of saying you should buy a not-sub...
by Sammy_M
Mon Dec 28, 2015 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: More capital loss carryovers than can use in lifetime
Replies: 21
Views: 1651

Re: More capital loss carryovers than can use in lifetime

Seems like the right thing to do here is to start trading around dividend dates in order to avoid receiving (and thus paying tax on) dividends. Just before a dividend is distributed, sell and purchase a similar (but not substantially identical) fund that has already distributed its dividend. By doi...
by Sammy_M
Mon Dec 28, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: More capital loss carryovers than can use in lifetime
Replies: 21
Views: 1651

Re: More capital loss carryovers than can use in lifetime

Thanks, but already a little late for that. This investor has SS and pension income that will keep them in the 25% bracket for the foreseeable future.

Also, not a lot of traditional IRA/401K money to work with. Most is in taxable.
by Sammy_M
Mon Dec 28, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: More capital loss carryovers than can use in lifetime
Replies: 21
Views: 1651

More capital loss carryovers than can use in lifetime

Are there any investment strategies that you would suggest to someone who has more capital loss carryovers than they can use in their lifetime? (i.e. offsetting $3K of ordinary income each year)? This is a 30% stocks / 70% bonds investor with most of the assets held in taxable. Investments that gene...
by Sammy_M
Sun Dec 27, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: Share your current asset allocation?
Replies: 94
Views: 6620

Re: Share your current asset allocation?

Target 50% Equities: 50% US - 36% Dev Intl - 14% EM 30% Fixed income: Mostly CDs and I-Bonds/TIPS 20% Alternatives: 10% Real estate - 7% Long-short- 3% Gold miners Actual, incl. funds US: 16 TSM ■ 4 IJS, 2 BRSIX Dv: 12 VEA ■ 7 SFILX Em: 5 VWO ■ 3 DGS Bnd: 22 CDs ■ 8 I-Bonds/TIPS Alt: 10 direct RE ■...
by Sammy_M
Sun Dec 27, 2015 9:29 am
Forum: Investing - Theory, News & General
Topic: Powershares FTSE RAFI US 1000 turns 10
Replies: 4
Views: 541

Re: Powershares FTSE RAFI US 1000 turns 10

. The Powershares FTSE RAFI US 1000 (PRF) now has 10 years of live returns since inception on 12/19/2005. 10 yr annualized returns (according to M*) 7.74% = Powershares FTSE RAFI 1000 (PRF) 7.22% = iShares Russell 1000 (IWB) 6.71% = DFA US Large Value (DFLVX) Factor loads: https://www.portfoliovisu...
by Sammy_M
Thu Dec 24, 2015 7:03 pm
Forum: Investing - Theory, News & General
Topic: Bogle: "We Need to Fix the Bond Index"
Replies: 46
Views: 4240

Re: Bogle: "We Need to Fix the Bond Index"

Taylor likes TBM. It is certainly a simple solution. I've never been a fan and never really used it for several reasons: 1) I've got access to the G fund which I find superior for my nominal bond allocation (although it turns out I would have been better off in the F fund/TBM over the period of tim...
by Sammy_M
Tue Dec 22, 2015 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10842

Re: Are Bogleheads Buying I-Bonds 2016?

re: I Bonds. They may sound pretty boring however am I correct in stating the following: the effective rate for iBonds purchased now is 1.64% - this seems pretty reasonable considering a 4 yr CD is available at 1.76% on Discover.com Another comparison is 5 yr CDs at 2.25%. 5 year breakeven inflatio...
by Sammy_M
Tue Dec 22, 2015 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10842

Re: Are Bogleheads Buying I-Bonds 2016?

I'm going to skip 2015, and I will see what happens with the fixed rate in 2016 and make my decision based on that. I'm sticking with my EE Bond ladder, and will purchase the max allotment in January. Curious as to when (what age) you started buying your EE Bond ladder. Seems a good strategy to sta...
by Sammy_M
Sat Dec 19, 2015 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Motif instead of Precious Metals fund
Replies: 5
Views: 528

Re: Motif instead of Precious Metals fund

Why not move $50K in assets to Merrill Edge and then get 30 free trades per month and skip Motif altogether? Great question/suggestion! I previously thought to qualify for ME you have to have idle cash sitting with BoA/ML. But seriously, why all of this work for 3% of your portfolio? Why not just u...
by Sammy_M
Sat Dec 19, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Motif instead of Precious Metals fund
Replies: 5
Views: 528

Re: 3% Allocation?

I hold a 3% allocation to precious metal equities. Thus far I have held this in tax advantaged. Does the approach seem sensible to you? Sammy: Holding a 3% allocation in any one fund makes no meaningful difference in a portfolio -- only more cost and complexity--especially if you cut it up into ind...
by Sammy_M
Sat Dec 19, 2015 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Motif instead of Precious Metals fund
Replies: 5
Views: 528

Motif instead of Precious Metals fund

I hold a 3% allocation to precious metal equities. Thus far I have held this in tax advantaged. I'm thinking of freeing up this tax-advantaged space for other investments (like Emerging Markets) by moving to this approach: ⋅ Construct a Motif of 30 stocks that closely mimics GDX. GDX only ...
by Sammy_M
Fri Dec 18, 2015 7:10 am
Forum: Investing - Theory, News & General
Topic: GMO's 7 year predictions
Replies: 8
Views: 2162

Re: GMO's 7 year predictions

I wanted to resurrect this thread after looking at the current forecasts. US Large -2.1% US Small -0.8% Intl Large 0.0% Intl Small -1.3% Emerging 4.1% US Small is expected to outperform US Large now? Intl Small is expected to underperform US Small? I don't follow the rationale. The changes over 1.5 ...
by Sammy_M
Fri Dec 11, 2015 6:48 pm
Forum: Investing - Theory, News & General
Topic: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open
Replies: 80
Views: 8744

Re: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open

Interesting. I'm currently slightly under my target for QSPIX and was planning to add some QSPNX once the deviation was $2500 (min investment at Fidelity). Looks like I will have to accelerate that purchase with my 2016 IRA contribution and be slightly over target to keep QSPNX available as a rebal...

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