Search found 47 matches

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: 17922

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: 17922

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: 1290

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: 4082

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: 9114

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: 3107

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: 1239

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: 1120

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: 6683
Views: 1449081

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: 2046

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: 3854

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: 1488

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: 7101

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: 16596

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: 1488

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: 1460

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: 1460

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: 1460

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: 1460

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: 1460

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: 1934

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: 1934

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: 1201

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: 995

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: 995

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: 995

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: 5442

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: 2243

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: 530

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: 530

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: 530

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: 1148

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: 1148

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 ...
by samsdad
Wed Feb 03, 2016 7:56 am
Forum: Investing - Help with Personal Investments
Topic: SIMPLE 401k company?
Replies: 12
Views: 1148

Re: SIMPLE 401k company?

Thanks I'll look into that as well. I always appreciate the help.
by samsdad
Tue Feb 02, 2016 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE 401k company?
Replies: 12
Views: 1148

Re: SIMPLE 401k company?

Thanks for the insight. I hadn't heard about them until recently going through the ends and outs of a SIMPLE IRA and saw a passing reference. Then looking around I only saw a little on them in the IRS documents, and not much anywhere else. I'll look at Employee Fiduciary, but my hunch is that I'm ba...
by samsdad
Tue Feb 02, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE 401k company?
Replies: 12
Views: 1148

SIMPLE 401k company?

Shipmates, Does any company that you know of offer a SIMPLE 401(k) plan? I was considering a offering a SIMPLE IRA for my small business, but MAGI considerations for DW and I may force me to do backdoor Roths each year, and I understand that anything sitting in an IRA, including a SIMPLE IRA, would ...
by samsdad
Tue Feb 02, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Unknown MAGI: Backdoor Roth or Wait to Know?
Replies: 4
Views: 780

Re: Unknown MAGI: Backdoor Roth or Wait to Know?

I appreciate the feedback. I put the 1k in taxable and will see what happens with the MAGI. If I have to sell it to move it to a tIRA/Roth if available or backdoor it I will. Perhaps it'll give me an opportunity to try out TLHing. Next year may be a little more predicable for various reasons. Or not...
by samsdad
Mon Feb 01, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: which one is the best antivirus internet security
Replies: 11
Views: 1952

Re: which one is the best antivirus internet security

I've had good success with ESET NOD32. http://www.eset.com/us/products/nod32-antivirus/ That said, I don't bother with antivirus software much anymore. I don't go to areas of the internet that I have any concern about. Moreover, I have had a slight suspicion in the past that some folks in the antivi...
by samsdad
Mon Feb 01, 2016 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Unknown MAGI: Backdoor Roth or Wait to Know?
Replies: 4
Views: 780

Unknown MAGI: Backdoor Roth or Wait to Know?

Shipmates, I'm trying to decide which account to place additional funds into. I'm a small business owner, DW is a W-2, and we don't know what our MAGI is going to be for tax year 2015 yet. I might have to wait for a month or two longer to receive all my tax info and get it to my tax person. It is qu...
by samsdad
Thu Jan 21, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Scaling in when Dow drops to...
Replies: 14
Views: 2090

Re: Scaling in when Dow drops to...

Buying.

What will you do if it doesn't hit 15400?
by samsdad
Thu Jan 14, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Approximating VG Total Stock Market with Nuveen Funds
Replies: 5
Views: 619

Re: Approximating VG Total Stock Market with Nuveen Funds

Thanks for the replies. We decided to max out her 401k. When our tax guy gives us the green light to contribute to tIRAs, we'll just put it all into TSM (VTI). (I don't know what our income was last year quite yet due to owning a small business, so I don't know if tIRAs or roths will be available fo...
by samsdad
Wed Jan 13, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating VG Total Stock Market with Nuveen Funds
Replies: 5
Views: 619

Approximating VG Total Stock Market with Nuveen Funds

Shipmates, We took the plunge in my wife's 401k and bought (over the last week---what a ride :o ) approx. $29k in Nuveen's Equity Index fund (FAEIX)(ER .62%) which tries to match the S&P 500. Wife would also like to add some mid-cap exposure. Her 401k also has Nuveen's Mid Cap Index fund (FDXAX)(ER ...
by samsdad
Fri Jan 08, 2016 12:41 am
Forum: Investing - Help with Personal Investments
Topic: Lousy 401k Options---Nuveen S&P 500?
Replies: 12
Views: 1214

Re: Lousy 401k Options---Nuveen S&P 500?

Well, we decided to jump in and bought some $14k of FAEIX. I put in the order last night (1/6/16) and should have gotten some 570 shares at today's (1/7/16) close of $24.98. For some reason the brokerage website (MassMutual) says we got some 760 shares at $18.78. Thoughts?
by samsdad
Tue Jan 05, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Lousy 401k Options---Nuveen S&P 500?
Replies: 12
Views: 1214

Re: Lousy 401k Options---Nuveen S&P 500?

Thanks for the prompt responses.
by samsdad
Tue Jan 05, 2016 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Lousy 401k Options---Nuveen S&P 500?
Replies: 12
Views: 1214

Lousy 401k Options---Nuveen S&P 500?

Long story short: My wife's 401k has lousy options. The only thing halfway acceptable would be Nuveen's S&P 500 fund (FAEIX) with an ER of .62%. She's currently parking her 401k money (some $40k) in its SV option currently at 1.7%. We're just getting back into the market and I had previously recomme...
by samsdad
Sun Jan 03, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Majority allocation LT Treasuries? Really?
Replies: 7
Views: 980

Re: Majority allocation LT Treasuries? Really?

I sincerely appreciate all of you for taking your time to help me.
by samsdad
Sat Jan 02, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Majority allocation LT Treasuries? Really?
Replies: 7
Views: 980

Majority allocation LT Treasuries? Really?

Hi, I've been lurking for a bit and wanted to ask some of your advice before my wife and I meet with an investment professional early next week. I've tried to be as brief as I could. Thank you in advance. First, here's the breakdown: Emergency funds: six months of expenses. Debt: remaining mortgage ...