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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: 66
Views: 2994

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: 5199

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: 85
Views: 5723

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: 10314

Re: Where do you buy clothes?

In my job, appearance matters, and suits are the norm every day. No casual fridays. I shop at brooks or nordstrom for work. For play, i shop at nike outlet and target for casual clothes. The gap is an in-between and have stuff from there also.
by sambb
Wed Aug 13, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8923

Re: Retirement luxury vehicle

can never go wrong with lexus or luxury. however, to some luxury = size, in which case an avalon is what you want
by sambb
Wed Aug 13, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4443

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

the mean profit margin, i thought, for US hospitals is only 7%. Sure there are some that make far more, but overall the margin is low. What seems overpriced to us ,as consumers, may not be that overpriced to hospitals. It doesn't explain why you were quoted one charge and charged another, however. N...
by sambb
Wed Aug 13, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 85
Views: 5723

Re: Robin Williams

dead poets society was a good drama for him. I liked it.
He was a unique comedian.
by sambb
Tue Aug 12, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4615

Re: Vanguard Balanced Index vs. Vanguard Lifestrategy Modera

50 years = vanguard total world index = and don't look at it for 25 years
by sambb
Tue Aug 12, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index vs. Vanguard Lifestrategy Moderate
Replies: 8
Views: 935

Re: Convince me I can make a dumb (car-related) purchase

Anyone who plans to spend 40+ on a car, should take a look at Tesla. After accounting for tax rebates, fuel & maintenance saving, difference is far less and you become green, drive a really modern car. Best wishes in your purchase. +1 I just bought a Tesla, have test driven twice before the pur...
by sambb
Mon Aug 11, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4177

Re: Tropical vacation next winter with infant-where?

hawaii is the ideal choice - a week on kauai, a week on maui, a week on lanai. done,
by sambb
Mon Aug 11, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2728

Re: How do I stop worrying about money?

I am sometimes mildly stressed about money.. Market is at a high, and my savings are on track. However, the thought of savings has a baseline stress. In fact, my friends in worse financial shape seem far less concerned about money. Meanwhile, with a 30% savings rate of my gross income, and no mortga...
by sambb
Sun Aug 10, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 72
Views: 8357

Re: Going 60+% international? (US resident)

I have a significant amount in total world index. I don't really care what buffet or bogle think of international - they are from a different era, and i appreciate their history, but the future is the future. I have traveled throughout the world and have been impressed with certain areas of the worl...
by sambb
Sun Aug 10, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5905

Re: Changing Asset Allocation in a bear market

advice, actions change in bear markets because we are human. the threads from 2008 show that. Hence, life strategy funds keep me going, as the AA is consistent. Three fund portfolios, etc are prone to this error - failure to rebalance.
by sambb
Fri Aug 08, 2014 4:49 am
 
Forum: Investing - Theory, News & General
Topic: Changing Asset Allocation in a bear market
Replies: 23
Views: 1593

Re: Should i Buy a new car

Buy a used 3 year old BMW off lease when you have saved enough to pay cash. But first read "The Millionaire Next Door". This is the answer that I would do. And read the book first. It will take you a few hours to read the whole thing, and after you do, you will have clarity on the car sit...
by sambb
Tue Aug 05, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3938

Re: What actions to take in a stock market crash?

Im sure the right answer is to rebalance in. However, I wonder if one looks at threads from 2008, if there was trepidation to do so. Easy to say rebalance, when we are sitting here after years of gains. I was at the car dealer last week getting the car serviced. This is a multi-luxury car dealer. I ...
by sambb
Mon Aug 04, 2014 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5395

Re: Stop Passing Up This Great Deal - In Money Magazine

Is a roth 401k really advantageous if one is in the top tax bracket of 39%? Does AMT play a role? Assume a 20 year or longer time horizon
by sambb
Sun Aug 03, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 10945

Re: New smartphone - questions from a nervous upgrader

i love the iPhone and would pay 3x what i am paying for its ease of use and integration capabilities. I also have android and blackberry phones. good luck.
by sambb
Thu Jul 31, 2014 6:58 am
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 42
Views: 3173

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: 57
Views: 4641

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: 4472

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: 4472

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: 50
Views: 6019

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: 3991

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: 3742

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: 750

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: 3065

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: 862

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: 2237

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: 695

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: 3346

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: 4257

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: 3978

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: 2305

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: 6568

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: 1437

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: 3566

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: 2865

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: 3924

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: 2865

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: 3924

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: 16240

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: 4028

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: 2240

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: 651

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: 923

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: 2685

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: 2240

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: 4028

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: 3099
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