Search found 64 matches

by samsdad
Sun Sep 23, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 32
Views: 1219

Re: How to pay for upcoming medical / IVF expenses

70k might be a little high on second thought, but maybe not if there’s an extended stay-at-home situation. The last thing you’re gonna want to worry about is money.
by samsdad
Sun Sep 23, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 32
Views: 1219

Re: How to pay for upcoming medical / IVF expenses

From first appointment to giving birth was about a year for us, so factor that into the insurance equation. We didn’t have any NICU even though our twins were small and premature, but we were worried that we might have an extended hospital stay—so keep in mind you might max out your OOP if things ge...
by samsdad
Sun Sep 23, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 32
Views: 1219

Re: How to pay for upcoming medical / IVF expenses

As far as quality goes, we went to the Colorado Center for Reproducitve Medicine. It is supposedly one of the best, if not the best, in the world. We had Dr. Schoolcraft take care of us; he’s the founder. We were lucky in that it’s about 10 minutes from our house. People come from around the world t...
by samsdad
Sun Sep 23, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 32
Views: 1219

Re: How to pay for upcoming medical / IVF expenses

We deducted our IVF-related expenses from our taxes. It helped some given that for everything related to the procedure we paid in excess of $50k. We did the deluxe type of deal though, doing everything they recommended: the genetic screening etc., but we are in our early 40s and didn’t think we’d h...
by samsdad
Sun Sep 23, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 32
Views: 1219

Re: How to pay for upcoming medical / IVF expenses

We deducted our IVF-related expenses from our taxes. It helped some given that for everything related to the procedure we paid in excess of $50k. We did the deluxe type of deal though, doing everything they recommended: the genetic screening etc., but we are in our early 40s and didn’t think we’d ha...
by samsdad
Thu Sep 20, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: ACA tax credits
Replies: 6
Views: 721

Re: ACA tax credits

I realize that the question seems obvious, but I’m self employed and won’t know what my MAGI is till the end of the year. Straight W-2 folks I guess would be able to get a fairly good estimate long in advance, but pay raises and (heaven forbid) a year-end bonus could tip them over unexpectedly. For ...
by samsdad
Thu Sep 20, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: ACA tax credits
Replies: 6
Views: 721

ACA tax credits

Our COBRA coverage is ending effective Nov. 1 because UnitedHealthcare is pulling out of Colorado. Wife works part time so can’t get on employer’s insurance. We’re going to enroll in ACA insurance in a few weeks to become effective Nov. 1 so don’t have a gap. We can get our family of four 2018 MAGI ...
by samsdad
Wed Sep 19, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13585

Re: What is your single most expensive mistake?

Dropping out of law school. I'm afraid to even guess how much lost income that has cost me. You should read my post above. I should’ve dropped out of law school in the first semester. I shudder to think how much it has (and continues to) cost me. Dropping out may have been the best thing you’ve don...
by samsdad
Tue Sep 18, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13585

Re: What is your single most expensive mistake?

Law school. Followed by practicing law. Followed by not not accepting the sunk costs earlier and getting out of either earlier. Now life is different and I’m in a different “job” of running the family business. I sell landscape supplies. Or, as my employees say, I’m a dirt farmer. To those that hate...
by samsdad
Sun Sep 16, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Large, Mid, Small Cap Recommendations for Roth IRA
Replies: 10
Views: 631

Re: Large, Mid, Small Cap Recommendations for Roth IRA

S&P 500 such as VOO for large. S&P 400 for midcap such as IJH. And IJR for S&P 600 for your small cap. The quasi-quality filter that the S&P puts on companies to be included is where the bread is buttered. Controlling for the junk is what counts, forget the value stuff. And make it a third each inst...
by samsdad
Wed Sep 05, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 3937

Re: Gentlemen: underwear shopping question

REI boxer briefs. I bought one pair and now wouldn’t wear anything else. I travel a lot. These are hands down the best I’ve tried.
by samsdad
Fri Aug 31, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Vacuum Tubes
Replies: 15
Views: 1682

Re: Vacuum Tubes

I haven’t noticed a dramatic increase in prices. I literally just bought $125 of tubes on the bay this morning and that got me a matched quad of Svetlana EL34s, a matched pair of Shuguang 6n11s (the Chinese version of the 6922), and a matched pair of Electro Harmonix 6922s including shipping from Ta...
by samsdad
Thu Aug 30, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Student Loan or Keep in tIRA
Replies: 6
Views: 369

Re: Payoff Student Loan or Keep in tIRA

I think this qualifies as a consensus at this point. We’ll take your collective advice and keep chopping at it as we can with extra income. Thanks to all.
by samsdad
Thu Aug 30, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Student Loan or Keep in tIRA
Replies: 6
Views: 369

Re: Payoff Student Loan or Keep in tIRA

No other debt such as car payments or credit card payments or the like. The penalty is steep and I suppose I can wait for a year or two or three and pay it with what I net from the business. We’re early 40s and will gross about 100k/year according to the books and assuming all remains the same in th...
by samsdad
Thu Aug 30, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Student Loan or Keep in tIRA
Replies: 6
Views: 369

Payoff Student Loan or Keep in tIRA

Approx. 145k in tIRAs between wife and I. Emergency fund funded. Wife leaving her 70k year job to help more taking care of 9 mo. old twins. :shock: Monthly expenses approx. $6400. Just paid off $26k in wife's private student loan at adjustable rate of around 4.875%. Saves us $550/month. Felt great. ...
by samsdad
Wed Jul 18, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: When you look across the horizon.....
Replies: 13
Views: 1532

Re: When you kook across the horizon.....

how important is doin' nothing? Humor aside, if you have an itch to scratch I’d suggest buying one share of your favorite ETF or throw a $100 at your mutual fund of choice. I do that on occasion and then go take a walk. Works for me. If that itch to do something arises the next day, I repeat. At so...
by samsdad
Wed Jul 18, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: When you look across the horizon.....
Replies: 13
Views: 1532

Re: When you kook across the horizon.....

If only we could edit the topic once we poat . . .
by samsdad
Thu Jul 05, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 19376

Re: Morningstar: prepare for a lost decade for U.S. stocks

This post is trollbait. Nobody know what future stock returns will be. Why are posts like this allowed? I don’t know, but my return on my good mood is up like 200% all of a sudden, so I say keep it up! Everyone else, please heed this advisory by M* and invest in EM Europe, which should be going gan...
by samsdad
Thu Jul 05, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 19376

Re: Morningstar: prepare for a lost decade for U.S. stocks

Oh thank God! I have been getting really tired of buying increasingly expensive US equities! Stay flat until I need to retire, then go through the roof!
by samsdad
Sat Jun 16, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Houston Safety
Replies: 13
Views: 1377

Re: Houston Safety

Colorado is horribly cold in the winter, which comes every year for some reason. The air is very thin. I’ve lived here since 1999 and the coldness and thinness of the air has only gotten worse. In short, don’t move here. Move to California instead. Much warmer and much thicker air (so thick you can ...
by samsdad
Tue Jun 12, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: Do Small Caps Outperform?
Replies: 61
Views: 4514

Re: Do Small Caps Outperform?

I honestly don't know why this question keeps coming up. Simple searching on this site alone pulls up long and fairly exhaustive discussions that have covered this ad nauseum through what can be fairly considered any relevant time period (and those time periods that might be considered too old/dissi...
by samsdad
Sun May 27, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 10020

Re: Post Your Morningstar Box Style

10 10 11
11 11 12
10 13 11

1/3 VOO or VFIAX
1/3 IVOO
1/3 VIOO or IJR
by samsdad
Wed May 16, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Premium Lives!
Replies: 39
Views: 3297

Re: Larry Swedroe: Value Premium Lives!

Mr. Swedroe's Conclusion: "My conclusion is that the most recent 10 years of performance is likely just another of those occasionally occurring but fairly long periods in which the value premium is negative." It is difficult (and expensive) to try to "beat the market." Best wishes. Taylor Meanwhile...
by samsdad
Mon May 14, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 21
Views: 1415

Re: Considerations in selecting a hearing aid

Here's my experience: I know an audiologist who works at a Costco in whom I have complete trust for reasons unrelated to his position/education. He has a doctoral degree in audiology and used to work at a private hearing aid place. He says the hearing aids at Costco are just as good as those you mig...
by samsdad
Wed Apr 11, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: SCV: Buy & Hold, or Trade Trade Trade?!
Replies: 5
Views: 1156

SCV: Buy & Hold, or Trade Trade Trade?!

Shipmates, After doing a lot of reading here, I've re-evaluated my investment policy which was 100% TSM, I now tilt 15% or so to SCV via IJS (iShares S&P SmallCap 600 Value Index, .25%ER) and VSIAX (Vanguard Small-Cap Value Index Fund Admiral, .07%ER)---though I'm seriously considering changing from...
by samsdad
Wed Apr 04, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496485

Re: U.S. stocks in freefall

Looks like another down day today! Unfortunately I had to make some significant buys this week and have to confess that the down cycle this week is probably all my fault. Sorry folks. After doing one last exchange today I’ll probably be good for awhile and we can resume the upward momentum that keep...
by samsdad
Mon Mar 26, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: GE Microwave Weird Issue
Replies: 22
Views: 2122

Re: GE Microwave Weird Issue

Had the same thing happen to me with a brand new GE microwave that we got with our then-new house. I found out accidentally when I briefly hung on the handle (making it go slightly downwards). I was stunned. Had the homebuilder get me a replacement. The replacement did the same thing. Haven’t tried ...
by samsdad
Mon Dec 05, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 3997

Re: Shoes for flat-footed over-pronators

I too am blessed to be a flat-footed overpronator with wide feet. For casualwear I found the Merrill Moab Ventilators with the highest SOLE inserts to be just about perfect. The shoes come in a wide size, FYI. I've also had the pleasure of having plantar fasciitis :P. Apparently it's caused by a tig...
by samsdad
Wed Nov 30, 2016 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Opinion With Ascensus
Replies: 10
Views: 1580

Re: 401k Opinion With Ascensus

There are no administrative fees or loads. I am questioning how to allocate it appropriately as zero bonds are given to choose from. Generally, the advice around here is to put bonds in a tax-advantaged account, i.e., a tIRA or Roth. See the wiki on tax efficient asset placement. Edit: Wiki link
by samsdad
Wed Nov 30, 2016 11:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 7348

Re: livesoft is almost at 50,000 posts...

Yes, thank you very much for your quality posts, I appreciate your wisdom and insight.
by samsdad
Tue Nov 29, 2016 5:51 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 157
Views: 16975

Re: Paul Merriman challenges John Bogle

Just when I had told myself to "stay the course" with TSM and forget about tilting with IJS or VBR like the big kids do . . . :?
by samsdad
Tue Nov 29, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Opinion With Ascensus
Replies: 10
Views: 1580

Re: 401k Opinion With Ascensus

Before I did anything, I'd get a copy of the information that lists every program and administrative/mortality, expense and admin charges for your plan. When my wife tried to get that info for her plan, there was significant foot dragging.They gave her a bunch of other info first. Only when she aske...
by samsdad
Sun Nov 20, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Overweight small/mid cap or stay TSMish?
Replies: 10
Views: 1539

Re: Overweight small/mid cap or stay TSMish?

Exactly. The relevant number is your annual expenses divided by your planned withdrawal rate. And the annual expenses may (or may not, but more likely will) grow with inflation. Thanks. I have a 25% or so margin of error that I've cooked into the number in terms of annual living expenses (about 77k...
by samsdad
Sat Nov 19, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Overweight small/mid cap or stay TSMish?
Replies: 10
Views: 1539

Re: Overweight small/mid cap or stay TSMish?

My M* 9-box style grid for US-only holdings is currently:
16-16-16
09-10-06
13-10-03
Thanks for taking your time to provide this information.
by samsdad
Sat Nov 19, 2016 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Overweight small/mid cap or stay TSMish?
Replies: 10
Views: 1539

Re: Overweight small/mid cap or stay TSMish?

By highly regarded posters, I naturally assume you are referring to me. Absolutely! :) Between you and livesoft; nisiprius; emergdoc; the great Taylor Larimore; and others, I honestly can say I feel like I've received a graduate-level education sponging up as much as I can (and trying, every once i...
by samsdad
Sat Nov 19, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Overweight small/mid cap or stay TSMish?
Replies: 10
Views: 1539

Re: Overweight small/mid cap or stay TSMish?

So with small-cap value outperforming this year (my IJS is up about 30% so far for me in 2016), I don't see how one can have regrets. :) Of course I tilt and I still would. I don't understand why everybody does not tilt. I think one has to buy-hold-and-rebalance if doing this and not just buy-and-h...
by samsdad
Sat Nov 19, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Overweight small/mid cap or stay TSMish?
Replies: 10
Views: 1539

Overweight small/mid cap or stay TSMish?

I'm debating whether to overweight small/mid cap in our portfolio via Vanguard's extended-market fund (VEXAX) or overweighting with an S&P400 fund in the DW's 401k, and I can't decide whether it's worth it in terms of added complexity (which is admittedly minimal); the risk of future under-performan...
by samsdad
Sun Nov 13, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Speed Queen Owners -- Feedback Requested
Replies: 8
Views: 2058

Re: Speed Queen Owners -- Feedback Requested

or models with electric controls. FYI, I was going to go with the lower-end model with the mechanical controls to minimize the risk of an electrical control panel failure later on but that model doesn't have a bunch of the options that the mid-grade model 82 comes with. I can't remember what they w...
by samsdad
Sun Nov 13, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Speed Queen Owners -- Feedback Requested
Replies: 8
Views: 2058

Re: Speed Queen Owners -- Feedback Requested

1. AWNE82. 2. Just got it a few weeks ago after my front loader from another manufacturer decided to slowly leak out of the front, onto the floor, through the floor, in through the ceiling of the garage, and out to the driveway of a house we just moved into while we were gone in vacation for a week ...
by samsdad
Sat Nov 12, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: target date with high ER vs index fund with low ER
Replies: 12
Views: 1301

Re: target date with high ER vs index fund with low ER

Definitely the FUSVX only. If you feel the need to get some bonds in your life open up a vanguard IRA and buy some total bond market or the like.
by samsdad
Tue Nov 08, 2016 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Fund suggestion for parents' portfolio
Replies: 6
Views: 1022

Re: Fund suggestion for parents' portfolio

One last thing: would a 2/3 VHDYX (Vanguard High Dividend Yield Index) and 1/3 VICSX (Vanguard Intermediate-Term Corporate Bond Index) mix be a good, cheaper, and more tax efficient approximation to Wellington?

Thanks
by samsdad
Tue Nov 08, 2016 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Fund suggestion for parents' portfolio
Replies: 6
Views: 1022

Re: Fund suggestion for parents' portfolio

Whether or not people understand the philosophy of indexing, there's something that a lot of people can get behind - low costs . Show him how much he was paying in fees yearly with GASFX vs. the low cost Vanguard funds (especially admiral shares) and he might do this --> :oops: . If you just compar...
by samsdad
Mon Nov 07, 2016 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fund suggestion for parents' portfolio
Replies: 6
Views: 1022

Fund suggestion for parents' portfolio

Friends, I am looking for some help with mutual fund suggestions for my parents' retirement accounts. First the usual stuff: Emergency funds: at least six months of expenses. Debt: 0 Tax Filing Status: Married Filing Jointly Tax Rate: Probably 15% Federal, xx% State (CA) State of Residence: CA Age: ...
by samsdad
Sat Nov 05, 2016 7:36 am
Forum: Investing - Theory, News & General
Topic: Are we naive to expect historical returns from indexing?
Replies: 28
Views: 5522

Re: Are we naive to expect historical returns from indexing?

What indicators in the future do you see that could continue the huge 7% annual growth rate of the world economy? I don't know that there is a correlation between the "annual growth rate of the world economy" and any index that you might try to track with your investments, but perhaps there is. But...
by samsdad
Thu Nov 03, 2016 9:27 pm
Forum: Investing - Theory, News & General
Topic: Where to find SP500 Performance w Dividends Reinvested?
Replies: 8
Views: 2404

Re: Where to find SP500 Performance w Dividends Reinvested?

This is what I use: https://dqydj.com/sp-500-return-calculator/ which I found from someone else's post on the forum here.

For the January 1993-January 2016 period, unadjusted for inflation, your returns with dividends reinvested was about 588%.
by samsdad
Fri May 27, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA v SIMPLE IRA contribution question
Replies: 4
Views: 535

Re: SEP IRA v SIMPLE IRA contribution question

Thanks for your help Spirit Rider.
by samsdad
Fri May 27, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA v SIMPLE IRA contribution question
Replies: 4
Views: 535

Re: SEP IRA v SIMPLE IRA contribution question

However, I do not understand why you are referring to a K-1. A sole proprietor does not have a K-1, they have a Schedule C. A K-1 is from either a partnership or an S-Corp. Sorry, yes, it is a partnership between family members, but I didn't want shares per partner to get in the way of the analysis...
by samsdad
Fri May 27, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA v SIMPLE IRA contribution question
Replies: 4
Views: 535

SEP IRA v SIMPLE IRA contribution question

Shipmates, I'm considering whether to introduce an SEP IRA or SIMPLE IRA to my business, but am trying to make sure I understand the SEP IRA contribution rules. I'm a small business owner (call me a 40-year-old sole proprietor for ease of analysis) with 4 employees. I estimate that the total payroll...
by samsdad
Wed Feb 03, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE 401k company?
Replies: 12
Views: 1178

Re: SIMPLE 401k company?

It looks like Fidelity administers SIMPLE's. https://www.fidelity.com/retirement-ira/small-business/simple-ira/getting-started Vanguard as well. https://investor.vanguard.com/what-we-offer/small-business/simple-ira I don't know how thorough their administration is though. It doesn't seem like a TPA...
by samsdad
Wed Feb 03, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: SIMPLE 401k company?
Replies: 12
Views: 1178

Re: SIMPLE 401k company?

PS. if you use the google search box in the upper right corner, it specifically searches the Boglehead forum for previous discussions. There was one previous post that I found, but the post got no replies. As Spirit Rider noted, it seems to have been orphaned by everyone. Last night I looked at my ...