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Re: Buying more when markets are down

Maybe someone can help me understand. I am fully invested BUT People here say that market timing does worse than juts being fully invested. They point to data. But, certainly, there are times when the market goes down, and timing would work - waiting for a pullback. it is mathematically impossible t...
by sambb
Wed Oct 01, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 51
Views: 2778

Re: How to solve people who don't save enough?

I used to wonder if I am saving enough, and what an appropriate savings rate is, for my income. The problem on BH and other websites about savings rates, is that it depends on: Do you have a mortgage? 15 or 30 years? do you have kids? Do you have a spouse? Do you have any school debts or loans? Henc...
by sambb
Tue Sep 30, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to solve people who don't save enough?
Replies: 11
Views: 1145

Re: rebalancing conundrum/paradox/irony

So, if I am 60/40, is it best to just invest all new contributions at 60/40, and just rebalance once a year? Or is it better to rebalance with every contribution by buying the asset that goes down in allocation every time I have $$?
by sambb
Mon Sep 29, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 83
Views: 4598

Re: Help-Do I need a chip/pin card in europe?

Just back from europe. Sure major dept stores and hotels take credit cards. But I had difficulty in ATMs, restaurants, smaller places, even train kiosks without a PIN. I am still puzzled on how to do this. It is very different from 5 years ago.
by sambb
Mon Sep 29, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 22
Views: 1713

Re: Emergency room consent

Sure sure, yeah yeah, blah blah. Dr Schwartz, the pediatrician cited in the article stated even he did not understand which providers were in-network and which were out-of-network. I would assume he understands the things you state are important. FInancially, as a consumer, seems like the best way ...
by sambb
Mon Sep 29, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 3099

Re: Emergency room consent

Also, for those that haven't figured this out, doctors are not exactly lining up to take call at hospitals. They are usually forced to do it to maintain privileges at the hospital. Who else here regularly goes into their place of business to see a client they have never met, who may never pay them,...
by sambb
Mon Sep 29, 2014 6:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 3099

Re: Emergency room consent

it is wild that people here think that hospitals are able to provide doctors who are in network for specialty care 24 hours a day. Most doctors already work 60 hours a week on average, (not to mention the 80 hours as a resident). Where are hospitals supposed to find all of these doctors to be in-net...
by sambb
Mon Sep 29, 2014 5:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 3099

Re: Obese airline passenger

I'm a large man, but fit OK in a coach seat on many aircraft and have no way of fitting acceptably in a window seat on a crj. You pay for a ticket to get somewhere safely, not for a defined box of interior space. Assuming you got there safely then you got what you paid for. Most people suffer in so...
by sambb
Sun Sep 28, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4668

Good rubber covering for shoes in inclement weather?

What are a good brand of rubber coverings to walk in snow or rain with dress shoes from the parking lot to the office?
I need a pair that would have some traction and allow me not to slip in my dress shoes. I have slipped and nearly broken my back when my wet heel hit the ground or the stairs
by sambb
Sun Sep 28, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Good rubber covering for shoes in inclement weather?
Replies: 5
Views: 494

Re: favorite brand name products

Apple
Nike
Starbucks
Chipotle
Haynes
SiriusXM
Briggs and Riley
Allen Edmonds
Pepsi
Cascade
Kellogg
Heineken
Sandisk
Cathay Pacific
Jamba Juice
Gold Toe
Hertz
Google
Intel
Duracell
VANGUARD
by sambb
Sun Sep 28, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2689

Re: Will Investment Returns Ever Revert to "Normal"?

why is the numerical return important? Isn't the only relevant measure = numerical return adjusted for inflation?
If you have low returns, but low inflation, isn't that the same as a higher return with higer inflation?
by sambb
Sat Sep 27, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4263

Re: thoughts on my portfolio

Put it all into life strategy growth 80/20
Or into a target retirement with nearly the same allocation (2030)

After that, be happy with the simplicity. You likely will do better without tinkering.
by sambb
Sat Sep 27, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: thoughts on my portfolio
Replies: 5
Views: 635

Re: Answer to Most Physician/High Net Worth Questions:

seems accurate, one of my new friends who is a doc - she has 400,000 of school debt. so that plays a role
by sambb
Sat Sep 27, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2265

Re: Bill Gross moving from PIMCO to Janus, Monday

Folks, we don't know the truth and never will. But we can speculate. Let me ask you something. Why would a person who is 70 (that's 70) years old who is head of a firm and has been there forever and is supposedly worth 2 billion dollars, voluntarily leave to go to a firm who's value (according to B...
by sambb
Fri Sep 26, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 107
Views: 8303

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

i have owned several european brands. I have also had the a few lexuses. Lexus reliability is unbelievably good. Agree with any AWD model for snow belt.
by sambb
Fri Sep 26, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4153

Re: What is your best estimate of the SWR (Safe Withdrawal R

I don't think a flat SWR is really realistic. Lets say that your money starts to dwindle down - certainly you will spend less, sell one's house, not buy a new car, etc etc. Do people really think that they wouldn't alter their spending if their assets go low? Maybe some expenditures are unavoidable ...
by sambb
Fri Sep 26, 2014 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 3772

Re: Stubbornly Non-Boglehead Husband. What To Do?

show him this thread?
by sambb
Thu Sep 25, 2014 6:17 am
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7545

Re: My IPS and rebalancing

lifestrategy funds solve these issues
by sambb
Thu Sep 25, 2014 5:54 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS and rebalancing
Replies: 12
Views: 1067

Vanguard balance over time - now 10 year data

My balance over time is coming with 10 year data now. I think this is new?
by sambb
Wed Sep 24, 2014 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7661

Re: how to prevent medical expense catastrophe?

The article is intended to outrage people, and as a sympathetic reader I suppose I ought to be outraged. But... The insurance company agreed to pay the bill and sent the patient a check. Instead of forwarding the money as intended, the patient then tried to use his position as holder of the money t...
by sambb
Wed Sep 24, 2014 3:17 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7538

Re: how to prevent medical expense catastrophe?

I would think as doctors you would strongly want to create the solution rather than wait for government to yet again give you one. Hospitals too should be figuring this out. Because stories like this make people mad and then sometimes the 'solution' is worse I agree. We will get the healthcare we a...
by sambb
Tue Sep 23, 2014 4:09 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7538

Re: Creating a permanent legacy?

The rule I've heard is The first generation makes the fortune The second generation maintains it The 3rd generation squanders it. Basically you end up with grandchildren (or sometimes great-grandchildren) who are trust babies and never have to work a day in their life, and can't appreciate what the...
by sambb
Sun Sep 21, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Creating a permanent legacy?
Replies: 46
Views: 3223

Re: 3-Fund vs. Target Fund

i love target funds and they do a great job. I think the differences are minimal, and will be discussed here. Several threads on this.
by sambb
Sun Sep 21, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3-Fund vs. Target Fund
Replies: 7
Views: 1054

Re: how to prevent medical expense catastrophe?

It seems to me, that the problem is that insurers are willing to have networks and separate in and out of network hospitals and doctors. How would a doctor or a patient know, when they call another doctor in to help, whether or not the doctor is in-network. Worse yet, in the middle of surgery, are d...
by sambb
Sun Sep 21, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7538

Re: How to achieve a balance between "saving" and "living"?!

I would save the money. You have a nice bike. There is always something nicer out there. Or, compromise - buy something in between which is preowned. No matter what, don't have buyer;s remorse if you do buy. I have seen that with so many cars and colleagues who buy houses, boats, cars, watches, bike...
by sambb
Sun Sep 21, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6551

Re: Who else hates choosing a car?

I don't mind picking cars. I also don't mind the sales people. I am not in a situation where I will worry about $500 in transaction costs, for anything of this magnitude that I would keep for awhile. I think the new tech in cars is great.
by sambb
Fri Sep 19, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8270

Re: Time + Savings Rate > Asset Allocation

Time and savings rate matter far more than expense ratios, but there is a lot more buzz on this forum about expenses. I would take a higher savings rate and more time with active management, over a low savings rate and less time, with a low expense ratio. Savings is absolutely key. Great thread and ...
by sambb
Sun Sep 14, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Time + Savings Rate > Asset Allocation
Replies: 17
Views: 1669

Re: AAPL

How does aapl do after iPhone releases?
How does it do historically in the holiday run-up?
by sambb
Tue Sep 09, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 167
Views: 36831

Re: Vanguard Lost $50k

This is a really important thread. Never, ever forget this. Vanguard is not your friend, they are not a charity, and your "ownership" of Vanguard means nothing. When the chips are down, and especially if the chips are yours, Vanguard will look after itself to your detriment. Yet another r...
by sambb
Sun Sep 07, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10755

Re: Move for nicer home in better school district?

I need help with a financial analysis We are in our low 40s, our home is paid off, we send our 2 children to private schools for a variety of reasons which I do not want to debate here, since going to public in my school district isn't a great option for our needs. I could, alternatively, move to a...
by sambb
Sun Aug 31, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Move for nicer home in better school district?
Replies: 14
Views: 1021

Re: Move for nicer home in better school district?

I think moving to a more expensive house for a good public school instead of paying for private school is a no-brainer... (1) You get to live in a nicer house (2) You get most of the money back when you sell the house Money spent on private school is just gone. This is exactly what I was thinking. ...
by sambb
Sun Aug 31, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Move for nicer home in better school district?
Replies: 14
Views: 1021

Re: Move for nicer home in better school district?

We would definitely be moving to attend the public schools. If we stay put, then we definitely have to do private. Under no circumstance would be move AND do private school. The reasons are personal and are irrelevant to this discussion - you just have to trust me when I say that we wouldn't move an...
by sambb
Sun Aug 31, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Move for nicer home in better school district?
Replies: 14
Views: 1021

Move for nicer home in better school district?

I need help with a financial analysis We are in our low 40s, our home is paid off, we send our 2 children to private schools for a variety of reasons which I do not want to debate here, since going to public in my school district isn't a great option for our needs. I could, alternatively, move to a ...
by sambb
Sun Aug 31, 2014 4:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Move for nicer home in better school district?
Replies: 14
Views: 1021

Re: Ideas for thanking a doctor

I think a thank you note is best. My family member's urologist charges less to see my relative for an emergency on the weekend, than a plumber would charge to fix a pipe on the weekend. So, thanking the doctor and their hospital for saving your life or helping you be healthy is a nice gesture. I don...
by sambb
Sat Aug 30, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 4904

Re: Poor Janus, a look at this once high flying fund family

simplesimon wrote:Isn't saying the funds performed in the 97th or 94th percentile mean they did better than 96% and 94% of funds, respectively?



That confused me as well.

Anyway, i remember how Hot Janus was, way back then.
by sambb
Fri Aug 29, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7388

Re: milestones, skepticism, wealth creation. A thought

I read the threads mentioned.

It is interesting how much emphasis is placed on expense ratios on this website, which are important, BUT savings rate is probably far more important.

Savings and asset allocation - they may trump expense ratios by a lot.
by sambb
Fri Aug 29, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: milestones, skepticism, wealth creation. A thought
Replies: 16
Views: 2133

Re: BMW X3 vs Mercedes GLK350

X3 amongst those two choices. for sure.
by sambb
Thu Aug 28, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: BMW X3 vs Mercedes GLK350
Replies: 33
Views: 2661

Re: Questions: Target 2035/Three fund portfolio

your plan is fine and simple, and keeps it easy.
by sambb
Thu Aug 28, 2014 6:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions: Target 2035/Three fund portfolio
Replies: 8
Views: 642

Re: Intermediate term tax exempt bond fund or TBM? Pls help

for high tax bracket use intermediate tax exempt
by sambb
Thu Aug 28, 2014 6:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax exempt bond fund or TBM? Pls help
Replies: 9
Views: 807

Re: When can you afford a $200K depreciating asset?

You can only afford a 200,000 car if you can afford to park it and not worry. I have owned numerous nice cars, exotics, and high end models of the german brands. Nothing beats the lack of worry that one can have when driving a lexus or accord, etc. Luxury vacations are wonderful however - a chance t...
by sambb
Wed Aug 27, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: When can you afford a $200K depreciating asset?
Replies: 11
Views: 1187

Re: Telling my friends I paid off my house was a mistake.

jealousy and envy can ruin a lot of relationships. never reveal to anyone that you have money or are making progress on financial goals to avoid this potential problem
by sambb
Tue Aug 26, 2014 5:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10367

Re: What 5 stocks can I own forever?

no companies last forever
the S&P 500 fund will give you what you need.
by sambb
Sun Aug 24, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4583

Re: Closing Old $0 Balance Vanguard Fund Accounts? Good or

does anyone know, in 2014, how long it takes for a zero balance acct to fade away?
by sambb
Sun Aug 24, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Closing Old $0 Balance Vanguard Fund Accounts? Good or Bad?
Replies: 18
Views: 5944

Re: I need "Ultra High Net Worth" investing advice please

reading this thread, shows me that "financial advisors" have a mystique of trust that bright people often dont have in themselves. I have a close client who is a professional athelete, and his finacial advisors make a fortune off of his money, well over 1,000,000. But he has sold the athle...
by sambb
Sun Aug 24, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 225
Views: 18811

Re: I need "Ultra High Net Worth" investing advice please

vanguard flagship select will be the cheapest and most effective hand holding. I think you will be satisfied.
by sambb
Sat Aug 23, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 225
Views: 18811

Re: Do you take all of your allowed paid vacation time?

Perhaps an unconventional view: I take far less vacation than my coworkers, I stay in contact at least 2x a day while on vacation. I take <50% of my time. This has allowed me to be a superstar in comparison with my coworkers with regards to economic output for my employer and all other productivity ...
by sambb
Fri Aug 22, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5760

Re: Savings Percentage [rules of thumb]

i find this discussion to be very difficult - regarding savings rate. Isn't it heavily influenced by whether or not you have a mortgage? Buying a car this year? Paying for college this year? In a year in which i don't have a mortgage, i don't by a car, and i don't pay for college, then my savings ra...
by sambb
Sat Aug 16, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 5510

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

If the extra biopsies showed cancer, i guess the whole thing would have been worth it financially? Unfortunately there is no way to know in advance, and bravo to the healthcare provider who took extra time to do the extra biopsies if they saw something suspicious. Missed diagnosis or a rushed situat...
by sambb
Sat Aug 16, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6760

Re: Vanguard Lost My Account

Definitely poor service to not reach out to the customer. Would it matter if one was flagship or voyager?
by sambb
Sat Aug 16, 2014 1:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10652
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