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Re: Do Bogleheads Feel Wealthier?

I feel poorer when visiting this site and a savings site (based on a mustache).
This is despite a doubling of net worth over last 5 years.
The more time i spend reading here, the less likely i will spend.
by sambb
Mon Jul 28, 2014 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 53
Views: 3505

Re: The article on tax efficient placement needs to be rewri

After reading over this thread, I have a suggestion. I think the wiki should only give advice on tax placement that is more or less uncontroversial . To do that, the article could be divided into four sections. The first sections tells new investors what is absolutely clear about tax placement. For...
by sambb
Fri Jul 25, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 3999

Re: The article on tax efficient placement needs to be rewri

I agree with those who believe that the article is very flawed. Sure there are some warnings in it, but it still focuses on placing bonds in tax deferred areas, and the individual pitfalls are not mentioned too much after the initial warnings. I am glad for those in whom the article works, i think t...
by sambb
Thu Jul 24, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 3999

Re: Reaching Severe Burnout - Can I Scale Back Career?

I am glad I didn't succumb to temptation and quit my job when I felt burned out by hours, etc. I just got better and better at what i do. I look back at those times i was ready to quit and I am so glad I didn't throw my job away.
by sambb
Wed Jul 23, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 48
Views: 5004

Re: Can I retire early?

you can retire. However, you may consider to slow down - most centers allow a 50% workload for 50% pay. As an MD you probably will still work 75% given the personality of MDs, but A transition sometimes is nice. In other words, make slow changes perhaps. It is called "hedging" ones bets. N...
by sambb
Sun Jul 20, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 28
Views: 3899

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

I personally don't adjust asset location based on bonds/stocks, etc. In other words, contrary to several here, I don't put all my bonds in tax advantaged. So, hence, I maintain an equal allocation in all accts (roths, tax deferred, and taxable all are 60/40) However, i would find it very interesting...
by sambb
Sun Jul 20, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3664

Re: Help with asset allocation

If in a tax deferred acct I would put the all the money in target retirement income or in lifestrategy conservative growth, and be done with it.
by sambb
Sun Jul 20, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 5
Views: 694

Re: Market Timing vs. Market Opportunity

Im not a big timer, but i reject the philosophy that market timing can't work. Of course it can work - if you are really good, skilled, or lucky. There are plenty of people who wish they sold out before the crash last decade, and wish they got back in at a lower price. Market timing can work, but i ...
by sambb
Fri Jul 18, 2014 7:27 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 2945

Re: forced to rollover my savings.

dickenjb wrote:If you want easy peasy I would go with Vanguard Life Strategy Conservative Growth.

If more hands on, go 60% Total Bond, 12% Total International, 38% Total Stock.

Since you are almost all tax deferred, I would strongly consider the one fund approach and enjoy your retirement.



+1
by sambb
Tue Jul 15, 2014 5:23 am
 
Forum: Investing - Help with Personal Investments
Topic: forced to rollover my savings.
Replies: 8
Views: 846

Re: [Poll] How often do you re-balance?

i rebalance daily in my tax deferred accts - or i assume vanguard does, because i use LS and target retirement funds, and they maintain their allocation -- this isn't an option in the poll
by sambb
Tue Jul 15, 2014 5:00 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How often do you re-balance?
Replies: 25
Views: 2210

Re: Questions about changing asset allocation

until you have 250k or so, i would just invest in LS or target funds, and focus on saving,not multiple funds. saving more will affect your situation far more than anything else. there is a lot of focus here on investing, but saving a few thousand more will be far more important in your finances at f...
by sambb
Tue Jul 15, 2014 4:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions about changing asset allocation
Replies: 6
Views: 681

Re: Why so afraid to "lose" money?

Depends on the context/size/urgency of the need. Say your portfolio is $1M -- $700K in stocks, $300K in bonds. You want to buy a new car in 1-5 years for $50K but a downturn hits right as you walk into the dealer's door (or as you click buy on Tesla's website). Shrug ... no big deal, just take it 1...
by sambb
Sun Jul 13, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why so afraid to "lose" money?
Replies: 22
Views: 3318

Re: Will you change your AA based on market performance?

I think this is an important thread. Why - because several people are in "3 fund portfolios". But will they rebalance into stocks in a down market? In theory they will - but will they really? What happened in the last big bear market - and what did posters do? I bet a lot did not rebalance...
by sambb
Sun Jul 13, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4145

Re: Investing is starting to get boring

when we have a large market decline, I may look fondly on the more boring years of long bull markets.
by sambb
Sun Jul 13, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3878

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

+1 for LS - "set it and forget it". It is perfect. The extra expenses are small, and of course you don't have to rebalance.
I have moved all of my retirement accts to LS funds, and I am so happy i did.
by sambb
Sun Jul 13, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2267

Re: Who else hates choosing a car?

I have owned all the brands - everything from honda accords and camrys to high end sports model german cars. A couple of general rules: Mainstream sedans like accords and camrys are always a solid choice popular luxury SUVs (lexus RX, acura MDX) also solid in that range German sports sedans - E clas...
by sambb
Sat Jul 12, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6362

Re: WSJ article on overvalue and lower returns

I am intrigued by all of this. I don't care if investment returns are lower - like 6% instead of 10% --- as long as inflation is 1% instead of 5%. Isn't the overall measure of return only relevant as its spread over inflation? This is what I find confusing about asset allocation models. If stocks re...
by sambb
Sat Jul 12, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ article on overvalue and lower returns
Replies: 6
Views: 1428

Re: One Total Stock Market Index Fund or 3-4 Sub-Funds?

Thanks Taylor. Maintaining a total market portfolio is simple, just not easy. You have to accept that markets don't move in reliable patterns, that institutional investors haven't left anyone a free lunch in some corner of the market, and that overweighting the hot asset class is a bad idea. These ...
by sambb
Wed Jul 09, 2014 5:46 am
 
Forum: Investing - Theory, News & General
Topic: One Total Stock Market Index Fund or 3-4 Sub-Funds?
Replies: 19
Views: 3456

Re: Advice for how to fund my wedding

45k is cheap for the right spouse - i would spend twice that to wed the RIGHT spouse and family. That person will save you a heck of a lot more than 45k. It is an investment, not an expenditure. So, either option is probably ok, and thats why i favor a mix of option 1 and 2.
by sambb
Tue Jul 08, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2785

Re: How many veteran investor have LARGE MAJORITY in three-f

It is set. I have decided that vanguard would be better at estimating this # than I would be.
by sambb
Tue Jul 08, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3836

Re: Advice for how to fund my wedding

Do a little of option 1 and a little of option 2 - its called hedging your bets. Cant be all the way right or wrong, and it is a compromise.
by sambb
Tue Jul 08, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2785

Re: How many veteran investor have LARGE MAJORITY in three-f

theree fund? no way. One fund in retirement accounts - target retirement or life strategy. So so so much easier and prevents tinkering. Slight increase in expense ratio that is immaterial to me compared to convenience. IMHO a far better option for lots of people in a tax deferred acct.
by sambb
Tue Jul 08, 2014 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3836

Re: List of Worst financial advice (what not to do):

1. "you work hard, so you deserve it" - a true BH will have buyer's remorse on this. Buy something because you love it, not you deserve it. 2. "the quote to remodel this room is firm" - yeah right, always increases once construction is started 3. anything dealing with not taking ...
by sambb
Tue Jul 08, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16021

Re: Valuing a personal residence for net worth purposes

For me, willow has been pretty accurate - and has reflected actual prices of other sales on my street quite accurately. YMMV. I am sure that there is inconsistency depending on what com parables are used. AS far as the OPs question, however, I hope that my house becomes a smaller and smaller part of...
by sambb
Tue Jul 08, 2014 6:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3845

Re: Luggage recommendation

also try the ebags brand (mother lode)- they provide a lifetime replacement. Wont look as nice as Briggs. The costco one is fine too - damage, and it will be replaced.
by sambb
Sun Jul 06, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 34
Views: 2146

Inflation adjustment of one's "number" and TIPS

I read in a thread recently that in the 70s there was 13% inflation, but the 10 year treasury yielded 10%. And now, that inflation is 1% and the treasury yields more than that. I don't know if those numbers are true, but this is the relevance: I have a "number" that I keep in mind to reach...
by sambb
Sun Jul 06, 2014 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation adjustment of one's "number" and TIPS
Replies: 4
Views: 637

Re: At 25 years old and with 10k to invest, should I buy bon

Put it all into target 2060 or LS growth, and then forget about it and enjoy being 25 and do the fun things that 25 year olds do. If you put money for the next 20 years only in one of those 2 funds, you would do just fine and everything else is a much more subtle tweak. At your age SAVING is far mor...
by sambb
Sun Jul 06, 2014 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: At 25 years old and with 10k to invest, should I buy bonds?
Replies: 11
Views: 904

Re: ? "caution" section on backdoor Roth wiki

I agree with the OP - the enthusiasm for back door roth is often not communicated with the caution of the implications for other accts. I almost did it and luckily came across a post that stated this.
by sambb
Sun Jul 06, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: ? "caution" section on backdoor Roth wiki
Replies: 25
Views: 2565

Re: Luggage recommendation

Briggs and Riley lasts forever and is fixed for free. I have traveled over 3 mil miles and have had tumi as well.
by sambb
Sun Jul 06, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 34
Views: 2146

Re: Valuing a personal residence for net worth purposes

Zillow - 10%. Sure it is approximate. But i absolutely consider my home as part of my net worth. If I had financial hardship, of course I would see my house and move to an apartment. Sure its not liquid. But it certainly is part of my net worth. Of course one could slice this down to cars, jewelry, ...
by sambb
Sat Jul 05, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3845

Re: Stick with Vanguard or take Fidelity "special deal"?

I get the 13 month thing - that irritates me. But in the end, since I am an index fund investor, the annual return is just not important. I know I am tracking the index for my stock portion. Its just the way it is. As far as stock settlements, I have gotten out of individual stocks. I agree that van...
by sambb
Thu Jul 03, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard or take Fidelity "special deal"?
Replies: 50
Views: 3065

Re: Three-Fund Portfolio vs. LifeStrategy Moderate Growth Fu

LS is fantastic in tax deferred accounts - forget all the yearly rebalancing, have one fund and "set it and forget it". I am at the 60/40 mix and doubt i will change allocation for a long time, if ever
by sambb
Thu Jul 03, 2014 5:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Three-Fund Portfolio vs. LifeStrategy Moderate Growth Fund
Replies: 11
Views: 1283

Re: How to admit/should I admit alcohol problem to employer

Critical, so critical, to use a healthcare professional who is familiar with this sort of an issue, both for work and for you. However, this is always difficult to find.
by sambb
Wed Jul 02, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10364

Re: Should I go back?

more hours = more money. A lot of professions are like this. So, do you need the money and are you willing to sacrifice for that? A lot of doctors and small business owners can probably relate. As can housekeepers and other independent contractors. I would take more hours and more money if I was you...
by sambb
Tue Jul 01, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I go back?
Replies: 32
Views: 3152

Re: Who do you talk with about your financial goals?

nobody, but i do spend a lot of energy "talking to myself" about it
by sambb
Sat Jun 28, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9080

Re: How do you afford to travel?

travel is expensive to do it right
If i had a paralyzing fear of flying, i wouldn't go on a plane
in the end, for me to afford travel, it involves spending and not saving - it is expensive to do it right - and worth it IMHO most of the time
I have had bad trips that were NOT worth it also
by sambb
Thu Jun 26, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6206

Re: Stock / Bonds Allocation

age mid 40s:
60 S
35 B
5 Cash/MM

conservative for my age, i know
by sambb
Wed Jun 25, 2014 4:26 am
 
Forum: Investing - Theory, News & General
Topic: Stock / Bonds Allocation
Replies: 48
Views: 2441

Re: Is Medical School Worth it Financially?

I work with doctors. One of them is my close friend. He has 350,000 in debt. He is 34 years old. On top of that, he has worked 80 hours a week for 6 years now, and after that, he has homework (reading) when he gets home and on nights and weekends. He sees his daughter 1 night a week (m-f), but the o...
by sambb
Tue Jun 24, 2014 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5042

Re: Why buy a car with cash?

One could pay sticker price for a car, and if it is reliable, and keep for 5-10 years - and would do better financially, compared to trading every 3 years. Cars are an interesting topic - if you want to save a lot of money, keep your car for an extra year. Then sell it. If you do that several times ...
by sambb
Tue Jun 24, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why buy a car with cash?
Replies: 83
Views: 6087

Re: Why buy a car with cash?

The smartest way to save money is to just stay out of the dealer for as long as you can. Whether it is cash or 0% is irrelevant - it is a small difference. however, if you buy a car every 3 years instead of every 6-8 years, you will lose alot more money Over 20 years, try to have just 3 cars instead...
by sambb
Tue Jun 24, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Why buy a car with cash?
Replies: 83
Views: 6087

Re: Anyone own a Land Rover LR2?

worst experience ever with reliability
Get an MDX or RX (smaller)
by sambb
Mon Jun 23, 2014 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Anyone own a Land Rover LR2?
Replies: 7
Views: 639

Re: Any suggestions/advice on how I can improve my portfolio

before doing anything, I would learn and read here for a month or two and be sure that you buy into the wisdom here. Then, simplify over time as your confidence builds. Definitely, however, transfer everything to vanguard in-kind during the learning process. Times have been good in the market -- whe...
by sambb
Sun Jun 22, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/advice on how I can improve my portfolio?
Replies: 18
Views: 1147

Re: Location does matter when measuring asset allocation

Taxes do matter, and that affects one's allocation. I am constantly somewhat surprised that people invest in "bonds in tax deferred", as that mantra is commonly held here. It all depends. Im in my 40s. I have no idea what income tax rates and capital gains tax rates will be in 20 years. So...
by sambb
Sun Jun 22, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Location does matter when measuring asset allocation
Replies: 45
Views: 2995

Re: How much car can I afford while paying cash? Details ins

i have owned several nice cars, and BMWs have been part of that. Some are very reliable and can get to 100k miles. However, for mileage of 20k per year, I would very much discourage, and consider lexus instead Lexus is not as exciting to drive; it is also far less drama in the maintenance arena. And...
by sambb
Sat Jun 21, 2014 1:36 am
 
Forum: Personal Consumer Issues
Topic: How much car can I afford while paying cash? Details inside.
Replies: 62
Views: 3934

Re: Cost of car compared to Gross Income

my car is <10% of my gross yearly income
by sambb
Fri Jun 20, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4605

Re: Dollar Cost Averaging vs. Lump Sum

if the market heads downwards, you will be absolutely glad that you dollar cost averaged. I would definitely want to buy stocks at a lower price and sell at a higher price. So you may be right in DCAing. This is something that is overlooked sometimes. If you are right, then heck yes, it is a good de...
by sambb
Thu Jun 19, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging vs. Lump Sum
Replies: 25
Views: 2389

Re: How do you spend your "fun money"?

cars and entertainment in all conceivable forms
by sambb
Thu Jun 19, 2014 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you -gamble- your "fun money"? (if you do)
Replies: 28
Views: 1499

Re: Need Help Investing 1 mil

First, pick up the phone and call Vanguard. Tell them that you wish to transfer a million dollars. They will hook you up with a concierge representative to make the process easy. Have the money invested in VSCGX, which is the Vanguard Life Strategy Conservative Allocation fund. This is entirely ind...
by sambb
Thu Jun 19, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help Investing 1 mil
Replies: 15
Views: 1960

Re: is it normal to have more in your taxable accounts

I have a lot more in taxable, but i max my tax deferred space.
So I save more than my 401k and ira allows - a lot more
Hence taxable grows
by sambb
Thu Jun 19, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: is it normal to have more in your taxable accounts
Replies: 25
Views: 1704
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