Search found 27 matches

by quadog
Tue Jun 30, 2020 10:49 am
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 233
Views: 10638

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

Ex-U.S. Like getting punched in the face every day for the past decade. No thank you. I’ve allocated <3% of my NW to ex-U.S. over this time period and have no regrets.
by quadog
Tue Jun 30, 2020 12:38 am
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 187
Views: 12564

Re: What is the best financial decision you ever made?

Buying a condo in San Francisco in 2004 and selling in 2014. You just need one buyer to come in way over the other bids. In my case it was a six figure outlier. That was a good day.
by quadog
Tue Jun 16, 2020 12:55 am
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 135
Views: 6054

Re: What famous investing quote reminds you of your investing style?

Not a famous investing quote, but I want it to become one. From The Wire: Avon: You come in here, you get your mind right, you only do two days. The day you come in... Stringer: The day you get out. They’re talking about doing time, of course. But it’s no different than investing. There are only two...
by quadog
Wed Jun 03, 2020 5:33 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536195

Re: What are you up YTD? [Year To Date]

Up 5% using beardstown math in a 85/15-ish AA.
by quadog
Mon May 25, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 6278

Re: What will you NOT buy online?

I won’t buy anything off of Amazon et al that is consumed. Too much of a risk for counterfeit items slipping into the order. I’ll go to brick and mortar instead.
by quadog
Sat May 23, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10804

Re: Personal spending out of control after Covid-19

Just start setting limits. I’ve been drinking every day too … but I keep it to one craft cocktail. I’ve been spending more money on home improvement too … but I stick to a budget. I’ve been eating more junk food too … but I’ve also been exercising like mad so it hasn’t had any effect. Just moderate ...
by quadog
Sat May 23, 2020 1:29 am
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 75
Views: 5424

Re: Thinking of selling some SP 500 to buy more Wells Fargo

You are asking the wrong questions. The question you should be asking is “how can I improve myself as an investor?”. Go to the site wiki and start reading. Your mind will be blown.
by quadog
Sun Apr 26, 2020 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 7969

Re: Where to buy a home in the Bay Area

Looking around San Carlos a couple months ago, there was a new condo development opening just off the main drag that might qualify for you. The main street is above average with good restaurants and shops. Not too far from Caltrain. On a weekend it’s probably ~40m to the city by car. (Obviously refe...
by quadog
Mon Apr 06, 2020 10:05 am
Forum: Personal Investments
Topic: Talk me out of or into increasing international equity allocation
Replies: 61
Views: 3229

Re: Talk me out of or into increasing international equity allocation

So you’ve been getting punched in the face for 10 years and you’re asking us if it’s ok to get punched harder? Whatever makes you happy, sure.
by quadog
Mon Apr 06, 2020 12:28 am
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11119

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

One thing. I’ve become ok with leaving 1 year of annual expenses in a money market account. This always seemed terribly conservative to me. Isn’t 6 months enough? Well, I scratched my plans for DCA’ing half of it. I’m going to let it stay where it is.
by quadog
Thu Apr 02, 2020 12:43 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 26096

Re: How much you lost/gain since Feb 20,2020 ?

I had to bite down hard and finally calculate this today. I’m down around 17% on a 90/10 portfolio. You know what, that’s better than I thought it was going to be. I’ll take it.
by quadog
Mon Feb 24, 2020 6:12 pm
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 155
Views: 15046

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

I auto-invest once a month in my Schwab robo account. That happened to be today. Purely coincidental.
by quadog
Sat Feb 22, 2020 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco with a Family
Replies: 90
Views: 5672

Re: San Francisco with a Family

With $1m in HHI you could buy a house in Cole Valley and take the N Judah to work downtown. I think there’s a private school walking distance for your kids to attend as well. Good luck!
by quadog
Tue Feb 18, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: At what age did you begin adding bonds?
Replies: 138
Views: 7539

Re: At what age did you begin adding bonds?

I started dabbling in bonds at 40. I’m in my mid-forties now and hold around 7% in bonds. I plan to have around 10% in bonds at age 50.
by quadog
Thu Feb 06, 2020 12:49 am
Forum: Investing - Theory, News & General
Topic: What bonds are you buying?
Replies: 71
Views: 4631

Re: What bonds are you buying?

VCITX California long-term tax exempt. California resident. High tax bracket. In taxable account. Just bought it a couple weeks ago.
by quadog
Sun Jan 19, 2020 4:09 pm
Forum: Personal Investments
Topic: Is it worth it for me to start backdoor Roth-ing?
Replies: 8
Views: 960

Re: Is it worth it for me to start backdoor Roth-ing?

Check with your 401k plan if they are able to accept incoming rollovers from your Traditional IRAs. I didn't even know this might be an option. There's nothing on the 401k plan website that indicates anything about rollovers so I'll have to contact a representative later in the week to get info. I ...
by quadog
Sun Jan 19, 2020 2:49 pm
Forum: Personal Investments
Topic: Is it worth it for me to start backdoor Roth-ing?
Replies: 8
Views: 960

Is it worth it for me to start backdoor Roth-ing?

Here’s my situation. My income exceeds the threshold limits for making contributions to a Roth IRA. I’m maxing out 401k contributions. I’m maxing out employee stock purchase plan contributions. I’m putting any investments beyond this into a taxable brokerage account (Schwab). I’ve never attempted a ...
by quadog
Thu Jan 16, 2020 1:24 am
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18299

Re: Who’s Buying Bitcoin?

watchnerd wrote:
Thu Jan 16, 2020 1:11 am
What do you mean by a positive black swan?
https://www.google.com/search?q=positiv ... ent=safari
by quadog
Thu Jan 16, 2020 1:10 am
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18299

Re: Who’s Buying Bitcoin?

I am a prodigal boglehead. I have .5% of my net worth in Bitcoin. I’m up ~30%. I can rationalize this “investment” for many reasons: novelty, diversification, non-correlation with other investments, improbability of the necessity of nefarious transactions, etc. Fundamentally, I think there is a poss...
by quadog
Thu Jan 02, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 accomplishments
Replies: 56
Views: 3504

Re: 2019 accomplishments

I hit the two comma club in 2019. Hoping I can remain in this club in 2020 and beyond. Currently this is the third time DW and I cracked the two comma club. This time I'm pretty sure we will stick, given our 50% bond holding, but you never know. At any rate, congrats! Broken Man 1999 Thanks for sha...
by quadog
Thu Jan 02, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 accomplishments
Replies: 56
Views: 3504

Re: 2019 accomplishments

I hit the two comma club in 2019. Hoping I can remain in this club in 2020 and beyond.
by quadog
Mon Dec 30, 2019 2:00 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536195

Re: What are you up YTD? [Year To Date]

Using Beardstown math, I’m up ~55%. Actual is up ~45%.

Not including home in net worth. If I did then actual might be closer to +60%.

This has been a very good year. I’m not expecting to see returns like this again, but I will be very happy if I do.
by quadog
Sat Dec 14, 2019 2:23 am
Forum: Personal Investments
Topic: Pick a stock
Replies: 93
Views: 5074

Re: Pick a stock

If you're just screwing around with this money then maybe place a bet on a positive black swan event. I'll warn you though. I've put this type of money into solar, cannabis, and certain IPO stocks. The results have been…humbling. The nature of black swans is that they can't be predicted. But if you ...
by quadog
Sat Sep 21, 2019 2:07 am
Forum: Personal Investments
Topic: Anyone here has more 200k in a single stock ?
Replies: 58
Views: 9473

Re: Anyone here has more 200k in a single stock ?

I think you should look at this in terms of a percentage of your overall portfolio. Does your 200K in MSTF represent ~5% of your overall portfolio? Then let it ride. Does it represent ~50% of your portfolio? Then gird your loins. Disclosure: I hold more than 200K in a single stock but it’s at an AA ...
by quadog
Sun Jan 06, 2019 5:49 pm
Forum: Personal Investments
Topic: Diversifying out of employer stock
Replies: 6
Views: 746

Re: Diversifying out of employer stock

pdavi21 wrote:
Sun Jan 06, 2019 12:49 am
Short your employer as a hedge.
The thought crossed my mind, but I have no appetite for that level of risk. :wink:

As always, some great guidance and suggestions above. Thank you folks for making the time to outline various options.
by quadog
Sat Jan 05, 2019 2:10 pm
Forum: Personal Investments
Topic: Diversifying out of employer stock
Replies: 6
Views: 746

Diversifying out of employer stock

Hello! This is my first post. I work for a company commonly found in the top ten holdings of many total US stock market funds. Presently, around 30+% of my net worth is now tied to my employer via RSUs. I intend to reduce this percentage over the course of the next year to <20%. My AA rebalancing pl...