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by sambb
Wed May 20, 2015 4:15 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 85
Views: 13747

Re: What to do with 5M?

never mind
by sambb
Wed May 20, 2015 4:10 am
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 8439

Re: How much can I spend on a car?

kmedina, It looks like you have decided to spend 20-25K on a car. I think you can definitely afford the payments comfortably as long as you continue to live with your parents during the payment years. When I was in my mid 20's on a $50K/yr salary I too bought a luxury CPO car. It was an Audi. Just ...
by sambb
Tue May 19, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 108
Views: 7191

Re: [What is safest vehicle on the road today that I can buy?]

Yes.. indeed these SUVs are the safest out there.
The BH Car (often a >10 year old camry, or >5 year old prius) is not the safest.
My wife and kids are in a nice safe SUV with all the safety features. I love it, and they do also.
by sambb
Fri May 15, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6503

Re: Aren't we overdoing electronic auto safety features?

The lake wobegon comment is interesting. I don't see how so many people are such good drivers. But it doesn't matter. Even good drivers can cause accidents. The cost savings, however, is not just the cost of hitting someone's car. The cost is in the lawsuit that could follow, if it is anywhere near ...
by sambb
Fri May 15, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9096

Re: I Hate Vacations

never mind
by sambb
Fri May 15, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6503

Re: Aren't we overdoing electronic auto safety features?

avoidance if injury? sure How about avoidance of LIABILITY and headaches. Blind spot monitoring, and forward collision warning are awesome. I don't want to hit someone and be sued. My time is worth too much. I am so happy to have these things. They work great. Backup camera rules! People have run ov...
by sambb
Fri May 15, 2015 3:17 am
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 8439

Re: How much can I spend on a car?

There is nothing wrong with living with your family, as long as you are happy. Several people wish they spent more time with their families. There is nothing wrong with buying a nice car in your 20s. Certainly it is fun, great for the dating scene, and you are young and stable. People here may criti...
by sambb
Mon May 11, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Frugality Reinforced - The Millionaire Next Door
Replies: 84
Views: 12501

Re: Frugality Reinforced - The Millionaire Next Door

johno is correct. Some can afford a nice car, a nice vacation and a group BBQ, and still retire. just because you buy a nice car, doesn't mean you can't have the "experiences". it is not always one or the other. some can have their cake and eat it too.
by sambb
Mon May 11, 2015 8:39 pm
Forum: Investing - Theory, News & General
Topic: "Why Would an Experienced Investor Buy a Target-Date Fund?"
Replies: 38
Views: 4586

Re: "Why Would an Experienced Investor Buy a Target-Date Fund?"

I don't use target date in taxable accts, but even if used in those, most investors would do far better than they would on their own. Yeah, tweaking 3 and 4 fund portfolios might net you a little more, but you also might tweak at the wrong time. Or other issues. I understand the popularity of 3 and ...
by sambb
Sun May 10, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Frugality Reinforced - The Millionaire Next Door
Replies: 84
Views: 12501

Re: Frugality Reinforced - The Millionaire Next Door

If someone making $500,000 a year wants to buy a new BMW or Mercedes every year or two, I see no problem. okay, I guess, but it had better not be an S class :D ...or one of the AMG models. I understand completely... Also, I agree. I don't see the wisdom of accumulating millions of dollars, and driv...
by sambb
Mon May 04, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 42
Views: 2853

Re: How To Find The Best Doctor

deleted
by sambb
Sun May 03, 2015 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving our financial advisor over a period of months
Replies: 33
Views: 2553

Re: Leaving our financial advisor over a period of months

i would just transfer the assets and keep communication short as possible and professional.
by sambb
Sun May 03, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Buying ML350 - how old a car to get?
Replies: 6
Views: 634

Re: Buying ML350 - how old a car to get?

buy a cpo car and enjoy if that is what you want

for reliability, i have owned MB and have been satisfied, but it is not a lexus or acura
by sambb
Sun May 03, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: Can you see the Mayweather fight for less than $99?
Replies: 39
Views: 3525

Re: Can you see the Mayweather fight for less than $99?

The best lesson to learn from the fight is how 2 stakeholders managed to make very large dollars through savvy marketing and negotiation, rather than let promoters take most of the money.

There is a business side to this.
by sambb
Wed Apr 29, 2015 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Private Schools - Tuition
Replies: 90
Views: 5453

Re: Private Schools - Tuition

i see nothing wrong with investing in one's child. To me, it is Better than saving the money and investing in a luxury for oneself.

Nothing wrong with private school. I attended public for k-18. Private school would have been better education than the one I got in those years.
by sambb
Wed Apr 29, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: Help re Car [convertible]
Replies: 43
Views: 3043

Re: Help re Car [convertible]

Here is the list by $$:

cheap: Miata
Mid: Mustang or Mini Cooper JCW edition
Mid-High: Boxster
High and sporty: Porsche 911 GTS cabriolet
High and luxe: MB SL 550 convertible
Exotic: Ferrari California
Superexotic: Aventador roadster

Remember that convertible is supposed to be red or black!
by sambb
Wed Apr 29, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 9833

Re: New car every 5 years instead of 10?

IF you can afford it, there is no reason to hold on to an older car. New cars have more safety features (some optional) that can prevent accidents or even save your life. And they look better too, and it is fun to get a new car. If you need the money for savings or investment, it is harder. But you ...
by sambb
Wed Apr 29, 2015 5:34 am
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1220

Re: 2 iphones on 1 itunes account experiences?

+1 on sharing. apple just works, and this is an example where it is already sorted out.
by sambb
Mon Apr 27, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 6228

Re: Another reason NOT to use (free) Wifi

In other news, another reason not to eat pizza: Recently, I went to my favorite pizza place and the waitress asked me "The usual"? I was like, YO, are you tracking me?!! The waitress gave me a weird look and said that you come here all the time and talk to me. I was just trying to provide...
by sambb
Sun Apr 26, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 3881

Re: Thinking about a new desktop PC.

would strongly consider making the switch to apple instead, as, after the learning curve, you won't see crashes and all the other slow downs. The computers are more expensive but have incredible resale value. Cheaper in the end, and saves time.
by sambb
Sun Apr 26, 2015 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is the 1% Cost of Managing Money Worth It?
Replies: 53
Views: 4748

Re: Is the 1% Cost of Managing Money Worth It?

1% is worth it, if you would do far worse without it. It is a commission. I would never pay it, but i have associates that would do better by paying it, rather than investing in the crazy stuff that they do invest in. It is all relative.
by sambb
Sun Apr 26, 2015 9:33 pm
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 6228

Re: [Your cellphone location is tracked by department stores

don't really care if i am being tracked. i don't shop in disguise, so anyone could see me anyway. non factor to my generation. very appreciative of free wifi though. very appreciative. google tracks so much, so i don't really care of nordstrom tracks.
by sambb
Sun Apr 26, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27524

Re: Will you buy an Apple Watch?

I love the idea that apple innovates so quickly, and so much faster than other companies, that their products are obsolete in 2-3 years. Awesome trait of a great company. It is not afraid to out-innovate itself. Wish dell, lenovo, etc were able to do that, but they just can't seem to be able to do t...
by sambb
Sun Apr 26, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: [new position, facing an] hour commute (each way)
Replies: 52
Views: 3298

Re: [new position, facing an] hour commute (each way)

For me, the commute would be all interstate, and would be for 2-4 years. It would not be for the rest of my career. For this, my savings rate would double per year. It is a very large raise. If I continued the assignment after 2-4 years, the pay would continue to be double, but I would have the opti...
by sambb
Sun Apr 26, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4722

Re: Who follows Age in Bonds

asking the OP's question at a market high, may yield a different response than if one is at the bottom of a bear market after massive losses.

I am my 40s, and I am 60S/40B, but will likely stay there. I feel comfortable with the historical possible max loss and gain with that allocation.
by sambb
Sun Apr 26, 2015 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 54
Views: 6680

Re: Why I Chose Target Retirement Funds

I far prefer target or lifestrategy over 3 fund in tax deferred. For some reason here there is a passion for 3 fund.
by sambb
Sat Apr 25, 2015 9:04 pm
Forum: Personal Consumer Issues
Topic: [new position, facing an] hour commute (each way)
Replies: 52
Views: 3298

Re: does anyone have an hour commute (each way?)

compensation is far better - doubles my savings. commute is a little far. but hours are an hour or so less, so time wise, not as much.
I am looking for tips. Used prius sounds great - or a diesel E class. satellite radio.
by sambb
Sat Apr 25, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: [new position, facing an] hour commute (each way)
Replies: 52
Views: 3298

Re: does anyone have an hour commute (each way?)

it a 3 year position. all highway.
by sambb
Sat Apr 25, 2015 6:23 pm
Forum: Personal Consumer Issues
Topic: [new position, facing an] hour commute (each way)
Replies: 52
Views: 3298

[new position, facing an] hour commute (each way)

I am about to take a position that is much better compensated, but commute increases a lot. What are the pros and cons of this? I can't move closer since my wife commutes in the other direction.
by sambb
Sat Apr 25, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 46
Views: 3322

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

driven this car I thought that if any car hit me at any reasonable speed, that i would not survive if an SUV hit me, then definitely wouldn't make it No point in being a boglehead if you don't live to enjoy the benefits of the money one saves however, if that doesn't concern you, then its a decent d...
by sambb
Mon Apr 20, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 108
Views: 7191

Re: What is safest vehicle on the road today?

Tesla's safety is based on car CRASH performance Safest cars are good at AVOIDANCE of crashes, and wouldn't appear in a crash test. Do you mean safest in a crash, or safest since it avoids a crash? When I put snow tires on my awd car, it stopped so much quicker and avoided a crash... Food for thought.
by sambb
Sat Apr 18, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1964

Re: Home stereo system conversion to digital

Log on to spotify. Done.

But Apple products make everything easier.
by sambb
Sat Apr 18, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1884

Re: What Is The Worst Car You Have Ever Owned?

Worst was ford sedan.
Several bests. A camry. A 911 porsche. Every e class by mb. Camry hybrid.
by sambb
Mon Apr 13, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 72
Views: 8256

Re: Neighbor hired a surveyor. Should I be nervous?

Your neighbor is doing stuff with his own property. Not sure its any of your business, but you could just ask.
by sambb
Sun Apr 12, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4481

Re: Input wanted from BMW OWNERS

I have owned SEVERAL BMWs Yes, stuff can go wrong. Most of mine have been mostly reliable except for small things. BUT at 4000 miles a year in a nice climate, i think you will be ok Enjoy the nice car. You deserve it. It is nice. Keep it. The ideal BH car is an old camry I have learned here. Or an o...
by sambb
Fri Apr 10, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5293

Re: On a budget and Friday night

dinner, wine, plays, shows, movies, get togethers, sporting events, dances, clubs, nightclubs, bars, tapas places, live music, DJ music, formal events, charity events, list goes on and on
by sambb
Thu Apr 09, 2015 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17471

Re: Cost of College & Weighing the Merits of Top Schools

Going to an ivy league school has helped me immensely in being successful. I would have paid triple the cost. Opened doors for me that would have never opened. However, i am sure there are those that would not have benefitted.
by sambb
Mon Apr 06, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Switching 40% of my portfolio to bonds: just can't do it.
Replies: 52
Views: 7242

Re: Switching 40% of my portfolio to bonds: just can't do it

if you are comfortable with your risk level, then stay with it. You have to be able to weather a downturn.

It is easy to be 100% stocks at a market high... harder when it turns down
by sambb
Mon Apr 06, 2015 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 14045

Re: Family member asking for money

Yes, you are being used. Yes, I would probably give the money for a child. Yes, i would never expect to see it again. I would say no once in a while and be transparent about it.
by sambb
Mon Apr 06, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5517

Re: Might Go $4,000 AAPL

I made far far more money in apple than any index fund or any 3 fund portfolio. I see no reason to hold off - provided you are aware that the risks can also be significant and that you could lose your investment. Apple has had lots of swings in its price and You could be wrong. I am so so so glad th...
by sambb
Sun Apr 05, 2015 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: vbaix & VASGX [Balanced Index vs. LifeStrategy Growth]
Replies: 6
Views: 508

Re: vbaix & VASGX [Balanced Index vs. LifeStrategy Growth]

Nothing wrong with overlap in different accounts. Not bad at all. You could have life strategy growth or moderate growth or balanced in ALL of your accounts, and depending on your age, you would do just fine while you learn about investing. If you never learn anything, you could put all of your mone...
by sambb
Sun Apr 05, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3288

Re: LOL how long do you keep old tax returns

has anyone used a scanning service that they could recommend for this?
by sambb
Sun Apr 05, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: Microsoft's Surface 3- anyone considering?
Replies: 35
Views: 3887

Re: Microsoft's Surface 3- anyone considering?

abuss368 wrote:No chance. We left the Windows world and are never going back!



+1000

Recently tried windows 8. So terrible compared to OS X and iOS. Apple products make it easy to "get things done".

I do like office. Office is a great product. Windows, not so much of a value.
by sambb
Sat Apr 04, 2015 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: (When) should I stop contributing to my 401k?
Replies: 21
Views: 2903

Re: (When) should I stop contributing to my 401k?

There is no way in the world that we can know what tax rates will be in 10 or 20 years. Therefore, there is no way to know for sure whether a roth or traditional tax deferred account is better. It is flawed to base assumptions on current tax rates. How can anyone predict income tax rates in the far ...
by sambb
Sat Apr 04, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2944

Re: Sunglasses $6 to $200

look at warbyparker for presription sunglasses. love mine. interesting way to buy.
by sambb
Thu Apr 02, 2015 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Another reason why BHs pay off mortgage early?
Replies: 51
Views: 7029

Re: Another reason why BHs pay off mortgage early?

The above post is why on some instances, people should consider the house as part of their portfolio, along with their mortgage, for an asset allocation model. Nevertheless, in most cases, if not all, paying off one's mortgage is a "no risk" investment with a guaranteed return, and has ZER...
by sambb
Wed Apr 01, 2015 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Another reason why BHs pay off mortgage early?
Replies: 51
Views: 7029

Re: Another reason why BHs pay off mortgage early?

One cannot compare "investing" to paying off your mortgage early in some sense. By paying off your mortgage - you are investing in a practically 100% guaranteed risk free return with absolutely no chance of the investment going down. Any investmentment in stocks or bonds is much much high...
by sambb
Tue Mar 31, 2015 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Another reason why BHs pay off mortgage early?
Replies: 51
Views: 7029

Re: Another reason why BHs pay off mortgage early?

One cannot compare "investing" to paying off your mortgage early in some sense. By paying off your mortgage - you are investing in a practically 100% guaranteed risk free return with absolutely no chance of the investment going down. Any investmentment in stocks or bonds is much much highe...
by sambb
Tue Mar 31, 2015 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5839

Re: Why Buying a *New* Car Makes Sense? Please help!

i dont understand why the holding periods are different either. I have flipped cars after 1-3 years (buy used and sell used) and I flip when I need something different for work or family, or personal preference, or want a different technology (for example, awd, or hatchback etc). I have never held o...

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