Search found 123 matches

by samsdad
Tue Nov 13, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 411
Views: 76750

Re: How much international stock? A suggestion.

First, I’ve never seen any other sector of investing that causes so much blood to boil. I’ve never seen goldbugs, real estate moguls, small-cap-value heads, bond believers or anyone else get so frothy over anyone else not subscribing to their investing philosophy. Not even close. Second, I’d like to...
by samsdad
Wed Nov 07, 2018 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3100

Re: Mid and Small Caps?

We’re 1/3 each S&P 500, 400, and 600. Play around with portfoliovisualizer and read the “midcaps anyone?” thread https://www.bogleheads.org/forum/viewtopic.php?t=34838 paying extra special attention to what poster Trev H says. If you get lucky, Mel might show up and grace us with His Presence. Stil...
by samsdad
Wed Nov 07, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3100

Re: Mid and Small Caps?

. I still have some of those older crunches using CRSP data saved. Found one and posted it below. This was sort of a look at it from the range of possible outcomes perspective. Notice where Mid Caps or a 1/3 each mix of Large/Mid/Small placed in each of the 4 - 20 year spans. From the range of poss...
by samsdad
Wed Nov 07, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 45321

Re: Whats your number to walk away?

whodidntante wrote:
Mon Jan 02, 2017 5:36 pm
2.5 million.
Yup
by samsdad
Wed Nov 07, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3100

Re: Mid and Small Caps?

We’re 1/3 each S&P 500, 400, and 600. Play around with portfoliovisualizer and read the “midcaps anyone?” thread viewtopic.php?t=34838 paying extra special attention to what poster Trev H says.

If you get lucky, Mel might show up and grace us with His Presence.
by samsdad
Wed Nov 07, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k lackluster options
Replies: 10
Views: 519

Re: Employer 401k lackluster options

My wife’s best 401k fund is a .72% ER or so S&P 500 fund and they “only” match up to 4%. Not complaining, but yeah, you’ve got a pretty nice plan. I’d stuff every little dime I could into that Total Market (and Small Blend fund depending on your need, willingness, and ability to take the risk) and c...
by samsdad
Tue Nov 06, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8027

Re: What's everyone currently in?

1/3 S&P 500
1/3 S&P 400
1/3 S&P 600
by samsdad
Sun Nov 04, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2360

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

CascadiaSoonish wrote:
Sun Nov 04, 2018 3:11 pm
samsdad wrote:
Sat Nov 03, 2018 4:45 pm
I pay zero now. Every outlet has an agenda. I’ve yet to meet any that matches mine 100%.
https://en.wikipedia.org/wiki/Confirmation_bias
But what if I’m right, again?
by samsdad
Sun Nov 04, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Corp. high-yield bonds better than international for diversification?
Replies: 16
Views: 1290

Re: Corp. high-yield bonds better than international for diversification?

I am not a fan of sub investment grade investing but it's worth going back and looking at William Bernstein's article on same= when to do it. I was against it, and we had some threads here , but in early 2009 a number of investors here did invest in HY bond funds, and make a killing. Brave stuff. I...
by samsdad
Sun Nov 04, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Corp. high-yield bonds better than international for diversification?
Replies: 16
Views: 1290

Corp. high-yield bonds better than international for diversification?

In another thread there is a discussion regarding diversification regret. I don’t want to hijack that thread so I’m posting here. There has been a lot of discussion lately about investing in international funds. Among other points, detractors of international investing point out that international h...
by samsdad
Sat Nov 03, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3448

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

I buy IJR for my tIRA. This is the first year doing it. I’ll get about $2k in there annually just from the 2% reward. I supplement the leftover cash after the trade with additional cash from my bank account and buy another share so I only have a few dollars sitting in the sweep account every month. ...
by samsdad
Sat Nov 03, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2360

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

I pay zero now. Every outlet has an agenda. I’ve yet to meet any that matches mine 100%.
by samsdad
Wed Oct 31, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: Large cap value, small cap, mid cap, etc. index funds
Replies: 15
Views: 988

Re: Large cap value, small cap, mid cap, etc. index funds

Our portfolio is 100% US equities and divided 1/3 each large cap, mid cap, and small cap in S&P funds. Depending on which account, it might be VFIAX or VOO for the 500; IJH for the 400; and VTMSX or IJR or VIOO for the 600. I don’t worry about the strong tilt towards a smaller market cap. In fact, I...
by samsdad
Tue Oct 30, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2652

Re: Luxury Sedans for around $25k used with lower miles? AWD?

I’ve lived in the CO front range for almost 20 years. Wouldn’t think of driving anything but AWD. Also wouldn’t think of driving a sedan for the reason that if you need to get to items in the trunk for your safety for example, you may not want to exit the vehicle to do so. Colorado weather changes o...
by samsdad
Tue Oct 30, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2851

Re: Washing machine/dryer shopping

Speed Queen top loader washer. Go for the mechanical switches. I don’t have a problem with mine that are electric but there’s always tomorrow. Get the dryer too and forget about it washer/dryer problems afaic. Never had a problem. Plus, they’re made in the good ol’ USA. My Kenmore super elite super ...
by samsdad
Tue Oct 30, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: ETF provider State Street unintentionally promotes traditional index funds
Replies: 38
Views: 2732

Re: ETF provider State Street unintentionally promotes traditional index funds

The game was reasonably fun, though the scores seemed unnecessarily inflated. To be honest, for a passive investor, is there ever any good reason to buy ETFs? I can't think of a single reason off the top of my head. There is no mutual fund equivalent of IJR and IJH. NOMIX is an S&P 400 fund with an...
by samsdad
Sat Oct 27, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: What is a reasonable housecleaning cost?
Replies: 27
Views: 2465

Re: What is a reasonable housecleaning cost?

$100 for approx. 2600 ft. cleaned. Twice a month. Colorado front range.
by samsdad
Thu Oct 25, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Moves to make after welcoming 1st child
Replies: 16
Views: 1837

Re: Moves to make after welcoming 1st child

Father of 10-month-old twins here. Take pics AND VIDEOS every day of the little one with your phone. Transfer to a laptop or pc and also transfer to a thumb drive. Do the transfer monthly (assuming you have space in your phone). If your little one starts spitting up or getting bloated or gets really...
by samsdad
Wed Oct 24, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Downturn and Roth Conversions
Replies: 8
Views: 719

Re: Downturn and Roth Conversions

I posted this in another thread basically asking the same thing: Day 1, I have $100k in tIRA. Day 2, the market drops 18%. I convert to Roth on the $82k that the tIRA is now worth. I have an ~ $18k tax bill since I’m in the 22% tax bracket. Day 3 I withdraw the $18k to pay the tax bill, leaving abou...
by samsdad
Tue Oct 23, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: Hedging tomorrow's tax rates
Replies: 32
Views: 2636

Re: Hedging tomorrow's tax rates

Sorry about the confusion yesterday re taxable vs roth. It was a really long day already by the time I posted and I was wiped out mentally. Infant twins will do that to you. Yes, my point was who knows what the future tax regime is going to look like; why not hedge some between paying taxes now and ...
by samsdad
Mon Oct 22, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: Hedging tomorrow's tax rates
Replies: 32
Views: 2636

Re: Hedging tomorrow's tax rates

Perhaps I was imprecise in my wording, but backdoor Roth’s certainly have presumed tax advantages, else why go through the headache? As for the 50/50 mix, I’d argue that that’s about as good as a guess about the future regarding tax rates as you’re gonna ever get: they’re probably going to be higher...
by samsdad
Mon Oct 22, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Hedging tomorrow's tax rates
Replies: 32
Views: 2636

Hedging tomorrow's tax rates

So I was doing online calculators figuring what our future marginal tax bracket would have to be for us to break even on using tax-deferred vehicles such as a tIRA or 401k vs. sticking it in a brokerage account and ponying up on taxes today. For our savings rate and assuming 20 years of savings, and...
by samsdad
Fri Oct 19, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11274

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

So wouldn’t this be an additional risk that a US only investor wouldn’t have to suffer? What if the US government placed sanctions on one of the big countries in, say, VEU? Then what happens? That’s not to say that a US-only investor wouldn’t suffer some consequence. As you point out, there’s a lot ...
by samsdad
Fri Oct 19, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11274

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

So if I buy a share of Petróleo Brasileiro S.A.—Petrobras—a semi-public Brazilian multinational corporation in the petroleum industry headquartered in Rio de Janeiro, Brazil, I’m not transferring my wealth to the Brazilian government? Really? Where does the money go? . . . The money that you pay to...
by samsdad
Thu Oct 18, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11274

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Buy the global haystack and just forget about it, my friends. :beer Can't afford it - I need a decent return on my money, which ex-US hasn't been able to provide over the long run. US bonds have provided similar return without the crazy volatility. I have little hope that most US-only investors wil...
by samsdad
Wed Oct 17, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8962

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

I can hold very low risk investments that pay more than my mortgage rate. For example, a two year FDIC insured CD pays more than my mortgage rate. Holding low beta stock funds for the duration of the mortgage has worked even better -- so far. This doesn't account for inflation, which is slowly decr...
by samsdad
Wed Oct 17, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11274

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

So if I buy a share of Petróleo Brasileiro S.A.—Petrobras—a semi-public Brazilian multinational corporation in the petroleum industry headquartered in Rio de Janeiro, Brazil, I’m not transferring my wealth to the Brazilian government? Really? Where does the money go? If I buy a share of Vanguard Int...
by samsdad
Wed Oct 17, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11274

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I wonder why the heat is turned on for this topic but not for any other nearly to this extent. I don’t recall the small-value tilters or age-in-bonds folks looking down their noses nearly as much as I see the “globalists” do when this topic comes up every week. I’ve never seen a small-value tilter d...
by samsdad
Tue Oct 16, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11274

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

As a US citizen, I see no point in giving my investment money to foreign companies, located in countries whose political structure/belief systems I don’t agree with or whose regulatory structures may not be robust. Seriously? You don't give money to Samsung, Nestle, or Royal Dutch Shell when you bu...
by samsdad
Tue Oct 16, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11274

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

The parochialism on display in this thread is amazing. Is this an age thing? I'd be interested in the average age of the anti-international investors posting here. Early 40s for me. Three college degrees including a doctorate, and a professional license (just in case the next thing you wonder about...
by samsdad
Tue Oct 16, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 27644

Re: How many of you have cut cord?

Wife just asked if we were going to cut the cord as we had discussed a few months back. About 30 minutes later it was done! We’ll be saving about $130/month, which we’ll turn around and put into retirement savings. We still have internet and a voice line for the fax. Super excited to not be paying f...
by samsdad
Tue Oct 16, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11274

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

As a US citizen, I see no point in giving my investment money to foreign companies, located in countries whose political structure/belief systems I don’t agree with or whose regulatory structures may not be robust. This is not to say that we’re perfect, but so far we’re better than anything else I’v...
by samsdad
Tue Oct 16, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: UC DCO's too high return? [Univ. of CA Defined Contribution Plan]
Replies: 4
Views: 306

Re: UC DCO's too high return? [Univ. of CA Defined Contribution Plan]

What are the underlying investments? Any chance that a UC alum can get in on this deal? For 18.1% annual return, I’d be real hesitant to think that that could possibly be true—unless the taxpayers of California are being fleeced, but I don’t think that’d ever happen.
by samsdad
Sun Oct 14, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Real Estate risk-adjusted return theory
Replies: 3
Views: 279

Re: Real Estate risk-adjusted return theory

Thanks for the reassurance. While waiting for the coffee to kick in this morning, I read this and was thinking "what am I missing?" I also did a quick google search just to make sure I was still thinking clearly: If you walk away from a home and there’s a substantial amount of money remaining on the...
by samsdad
Sun Oct 14, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Real Estate risk-adjusted return theory
Replies: 3
Views: 279

Real Estate risk-adjusted return theory

In another thread that was about a different topic, a forum member stated: "Risk-adjusted" returns is an extremely nebulous term. One person's low risk-adjusted returns are another person's high risk-adjusted returns. It's subjective. For instance, if I have a 0% or 1% down payment on a house, any r...
by samsdad
Thu Oct 11, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Potential “tax wash” Roth conversions during big market drops?
Replies: 11
Views: 1004

Re: Potential “tax wash” Roth conversions during big market drops?

If you are paying 22% to do a Roth conversion, the only way to come out ahead is if your marginal rate when withdrawing from your tIRA would be greater than 22%. It doesn't matter what the market had done or will do. (caveat - if you are maxing all tax advantaged accounts, then you come out ahead i...
by samsdad
Thu Oct 11, 2018 5:52 am
Forum: Investing - Theory, News & General
Topic: Potential “tax wash” Roth conversions during big market drops?
Replies: 11
Views: 1004

Re: Potential “tax wash” Roth conversions during big market drops?

By the way, in the abstract, I think this strategy is fraught with danger, is arbitrary and capricious, vague and ill-defined, and otherwise seems very suspect. On the other hand, not having a tax drag on money coming out of a tIRA that also escaped the tax man on the way in kinda seems like cheatin...
by samsdad
Thu Oct 11, 2018 5:37 am
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8380

Re: What did you buy today

VFIAX and IJR. IJH tripped the 2.5% down “buy signal” for me about 5 minutes or so before the close but I had my hands full with babies so I decided to let it ride. Tomorrow’s coming soon. :twisted: So 2.5% in one day is a buy but 10% over 10 days steady isn’t? Good point. This is me satisfying the...
by samsdad
Thu Oct 11, 2018 5:35 am
Forum: Investing - Theory, News & General
Topic: Potential “tax wash” Roth conversions during big market drops?
Replies: 11
Views: 1004

Re: Potential “tax wash” Roth conversions during big market drops?

Now that I have had my shower, I thought you said this was legal, ethical and sensible! All kidding aside, yes, I think that's what I'm looking for. I typed up my original post last night after a long day. So let me try it a different way, though, just to make sure. I'm looking for a way to convert...
by samsdad
Wed Oct 10, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8380

Re: What did you buy today

VFIAX and IJR. IJH tripped the 2.5% down “buy signal” for me about 5 minutes or so before the close but I had my hands full with babies so I decided to let it ride. Tomorrow’s coming soon. :twisted:
by samsdad
Wed Oct 10, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8050

Re: Black Friday is coming.. what's on your list?

If diapers are on sale I might pick up another case or two.
by samsdad
Wed Oct 10, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: Potential “tax wash” Roth conversions during big market drops?
Replies: 11
Views: 1004

Potential “tax wash” Roth conversions during big market drops?

I was reading an old thread about RBDs just for fun and came across a response about 4 pages into it which kinda stopped me in my tracks. During the discussion, a boglehead stated: . . . I convert money from IRA to Roth after market slips about 10% (and pay taxes on the conversion). When markets reb...
by samsdad
Wed Oct 10, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2127

Re: S&P 500 RBD?

I mean, I basically called it like, 45 minutes before the official word. I smell a new hedge fund manager in the making!!!!! :twisted:
by samsdad
Wed Oct 10, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2127

Re: S&P 500 RBD?

I’m calling it at 1:45 Mountain Time: IT’S A RBD!!!!
by samsdad
Wed Oct 10, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2127

Re: S&P 500 RBD?

Shoot. I just pumped a couple hundred into VFIAX. And, it might not even close down 2.5%. :?
Is VFIAX/VOO even eligible to participate in the RBD pool?

AS I TYPE THIS IT'S RALLYING!!! :oops: :oops:
by samsdad
Wed Oct 10, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2127

S&P 500 RBD?

Does this count as a RBD?
by samsdad
Sun Oct 07, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: ACA premium deductibility
Replies: 2
Views: 352

Re: ACA premium deductibility

EDIT: The above assumes you did not have employees other than a spouse. I have 3 other employees. Spouse is not an employee. Be aware that you can only take the Form 1040 Line 29 Self-employed health insurance deduction, only if neither you or your spouse can be covered by an employer health insura...
by samsdad
Sun Oct 07, 2018 6:27 am
Forum: Personal Finance (Not Investing)
Topic: ACA premium deductibility
Replies: 2
Views: 352

ACA premium deductibility

Our family has signed up for ACA starting Nov. 1 due to a loss of COBRA benefits. I am an S-Corp. officer that holds more than 2% of the outstanding shares. It's a small business. I pay myself W-2 wages and of course the net profits of the business find their way onto my taxes. After doing some read...
by samsdad
Tue Oct 02, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5673

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

$200 for childcare per year is laughable. We spend that much on a day and a half with a local sitter. Tell me about the opportunity cost for staying at home. Starting at the beginning of the next year we’re planning on sending our kids to day care. It’ll be $139/week per child for 3 half days. That...