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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: 1571

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: 166
Views: 36410

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: 10657

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: 1014

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: 1014

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: 1014

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: 1014

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: 74
Views: 4575

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: 7278

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: 15
Views: 1691

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: 2550

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: 625

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: 802

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: 1181

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: 10312

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: 4540

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: 5888

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: 215
Views: 15859

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: 215
Views: 15859

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: 5700

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: 5495

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: 6746

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: 10466

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: 9226

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: 4515

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: 98
Views: 6746

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: 4639

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: 948

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: 4324

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: 2766

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: 8393

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: 6016

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: 1645

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: 4065

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: 5580

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: 11237

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: 3288

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: 4681

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: 4528

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: 4528

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: 6096

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: 4021

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: 3782

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: 776

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: 3100

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: 864

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: 2276

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: 701

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: 3357
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