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Re: Why should I avoid REITs?

i think it is reasonable to diversify and have a small percentage in reits.
by sambb
Thu Nov 27, 2014 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 37
Views: 3113

Re: Is 60/40 mix of stocks and bonds still best balance?

The mantra here , of "stay the course", cannot be tested in a bull market, but rather in a bear market. A lot of people sold at the low,and didn't get back in. A 60/40 mix might have prevented wide swings in a portfolio. I think it is a nice starting point until one defines one's risk tole...
by sambb
Thu Nov 27, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix of stocks and bonds still best balance?
Replies: 26
Views: 3539

Re: Opinions Please - REIT's vs. EM

Ive been rebalancing into EM. it may not be timing. Just an opportunity to reshuffle.
by sambb
Thu Nov 27, 2014 6:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions Please - REIT's vs. EM
Replies: 11
Views: 738

Re: Being woken up by neighbors above me

seem like they are getting up at a normal time and walking around. i don't think you have a case.
by sambb
Wed Nov 26, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 66
Views: 3208

Re: I'd like to start managing OPM (other people's money)...

people commonly want to be in financial advising in bull markets IMHO
Bear markets test one's job - clients leave, or have to cash out for all sorts of reasons
by sambb
Wed Nov 26, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'd like to start managing OPM (other people's money)...
Replies: 15
Views: 929

Re: Private college counselor

I would hire a counselor
I attended an IVY
It was absolutely the right decision for me and opened alot of doors for me. Would do it the same way again.
by sambb
Wed Nov 26, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 38
Views: 1438

Re: How did you handle the 2008 bear market ?

if you see some older threads, a lot of people did not stay the course. they may not be around here too much anymore.
by sambb
Wed Nov 26, 2014 7:04 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 67
Views: 3083

Re: Random life events

From a relationship standpoint - I played the field a lot and wasn't faithful - which easily allowed me to be emotionally detached from personal relationships and focus on my work/job/career and do very well. I had no problem being unavailable for girlfriends, so i could instead be available for wor...
by sambb
Tue Nov 25, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Random life events
Replies: 34
Views: 2753

Re: Need for Int'l Investing

would definitely put 20% into int'l. America is not what it used to be from a growth perspective. Nice to diversify risk.
by sambb
Tue Nov 25, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for Int'l Investing
Replies: 12
Views: 1036

Re: Where to invest end of year bonus

Half: pay off auto loan
Half: lifestrategy moderate (60/40) since i think your risk tolerance is low given the market highs you mentioned. Don't look at the fund for 20 years. You will be happy with the result.
by sambb
Tue Nov 25, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Where to invest end of year bonus
Replies: 16
Views: 1341

Re: What do you splurge on?

splurge: kids' education
by sambb
Tue Nov 25, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 150
Views: 9228

Re: Avoiding lifestyle creep

mortgage payment = completely 100% safe return ahead of other safe returns.
Nice if you dont want to invest the money. i did it. so nice to have no mortgage. It is mental relief.
by sambb
Tue Nov 25, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 21
Views: 2777

Re: need portfolio help, feeling overwhelmed, too many funds

Put all of your tax deferred money into life strategy growth - which is 80/20 S/B. Close enough to 90/10
Then forget about that money as it grows over the next 20 years

for taxable, there are a lot of options.
by sambb
Mon Nov 24, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: need portfolio help, feeling overwhelmed, too many funds
Replies: 6
Views: 657

Re: Bogleheads, anyone doing "Black Friday"

I will probably pick up the latest iPad with the deals offered. The resale of last years is so decent, that why not upgrade. It a device to use all the time anyway.
by sambb
Sun Nov 23, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 4489

Re: 23 year old... Can I afford a Rolex?

If you are buying your watch to tell time - I wouldn't buy. You are 23. Im sure you have a smartphone like most of the people within 20 years of your age. If you are buying this as fashion/jewelery/status - at 23 not sure you will like it in 10 years. Tastes change. I wouldn't buy. However, if you d...
by sambb
Sun Nov 23, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 165
Views: 10615

Re: Apple Stock - Seems great, right?

"because the world has proven that from 2007-into the 2010s " ... and that is the problem. 8 track tapes were a sure thing, so were cassettes. OMG, the horse and buggy was a sure thing before the automobile. Life is littered with things that were a sure thing when you are looking in the r...
by sambb
Sun Nov 23, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: 23 year old... Can I afford a Rolex?

the watch era is over - people use their smartphones.
by sambb
Sat Nov 22, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 165
Views: 10615

Re: Movie dialog, "The Social Network." Hard to hear?

I had no problem hearing the dialog
by sambb
Sat Nov 22, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 14
Views: 1455

Re: Apple Stock - Seems great, right?

What proves that it was a sure thing was the product itself was a sure thing - not any claims by anyone. The product was that good compared to the competition. I am so glad however that you don't see it that way - because that attitude is what enabled the financial aspect of the skyrocketing stock -...
by sambb
Sat Nov 22, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: Apple Stock - Seems great, right?

of course people can be wrong about "sure things" that didn't pan out. But that's because those things weren't sure things - people were wrong. The iPhone was a 100% a sure thing - it wasn't wrong. Anyone who used it could see that on the day it came out, if they opened their mind enough a...
by sambb
Sat Nov 22, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: Apple Stock - Seems great, right?

Unlike flipping a coin, the success of the iPhone was not a random event. Again, you would have to go back to the original release and the effects thereof. It was a total game changer. It is not a coin. But the fact that there are skeptics is exactly what drove the price. There were those of us that...
by sambb
Sat Nov 22, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: Apple Stock - Seems great, right?

sambb: per your post above, that was a real Peter Lynch moment. Good job on spotting the novelty and the future market power of Apples products. Peter lynch was before my time, and I know he was a big stock picker who ran magellan. I don't want to compare myself to him - i could never do this again...
by sambb
Sat Nov 22, 2014 3:06 am
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: Apple Stock - Seems great, right?

[/quote]They didn't really know more, they made bets.[/quote] Obviously, it depends on what crowd one hung out with. I disagree that they didn't know more. Some absolutely did. The ballmer video in which he laughs at the phone shows that there was a large crowd that didn't believe in the iPhone. But...
by sambb
Sat Nov 22, 2014 3:03 am
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: Apple Stock - Seems great, right?

An above person wrote: Even if one agreed with the theory that these 2 products would be commercial successes, that doesn't necessarily translate in price appreciation. You have to believe you know more than the market overall about the future. What makes you think you knew more ? IMO, it was just a...
by sambb
Fri Nov 21, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: Apple Stock - Seems great, right?

Well, I did end up getting into AAPL Jan 2013 at the $513 a share that seemed like such a deal. It is now up to $594 and while everything is saying get out and grab the profit, I can't help but keep looking at this stock and saying 3.29% dividend, PE of 14, and still the standard in tablets/phones....
by sambb
Fri Nov 21, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: Apple Stock - Seems great, right?

I am glad you made a lot of money in apple. I bought APPLE stock after the first iphone came out. It was obvious to me that this was a game changer. I made a lot of money - enough to pay off my entire mortgage. I also had a few other big wins. There is no doubt in my mind that these big gains have ...
by sambb
Fri Nov 21, 2014 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: Apple Stock - Seems great, right?

I am glad you made a lot of money in apple. I bought APPLE stock after the first iphone came out. It was obvious to me that this was a game changer. I made a lot of money - enough to pay off my entire mortgage. I also had a few other big wins. There is no doubt in my mind that these big gains have c...
by sambb
Fri Nov 21, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10919

Re: Jack Bogle: expect 7% annualized for the foreseeable fut

great, now jack bogle can predict future returns? I find this to be a good guess at best. In fairness, Jack Bogle is always very cautious to explain that what he is offering is just a reasonable estimate not a forecast or a prediction. He uses estimated long term earnings growth and the current div...
by sambb
Tue Nov 18, 2014 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: expect 7% annualized for the foreseeable future
Replies: 42
Views: 6067

Re: lock-up for 20 years

I wouldn't do it
by sambb
Tue Nov 18, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: lock-up for 20 years [20 year CD]
Replies: 21
Views: 2495

Re: Buick regal/chevy impala

What is the average age of the owners of a buick car? I like the accord or camry, but perhaps those are a different consumer than a buick.
by sambb
Tue Nov 18, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Buick regal/chevy impala
Replies: 12
Views: 893

Re: Apple Stores - do they try to be awful?

I like apple stores Can play with the tech - no one bothers you When you need help, they are available But i identify with a younger crowd. For the "newspaper reading" generation, I can imagine that this is a different model than the stores they grew up with. There are always changes as ti...
by sambb
Tue Nov 18, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2912

Re: Jack Bogle: expect 7% annualized for the foreseeable fut

great, now jack bogle can predict future returns? I find this to be a good guess at best.
by sambb
Tue Nov 18, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: expect 7% annualized for the foreseeable future
Replies: 42
Views: 6067

Re: Global Growth and Expected Returns — Why So Low?

I'm in agreement with on, Obgyn65. I bought portfolio insurance, keeping my trading short, and tilting to extended market/small cap and momentum/technology. :annoyed +0.5 I have a conservative allocation (age in bonds) rather than age-10 in bonds. This is part of the reasoning - Future may not as b...
by sambb
Sun Nov 16, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Global Growth and Expected Returns — Why So Low?
Replies: 35
Views: 2617

Re: Toyota Class Action Settlement Check, Cash or Not

unintended acceleration (caused by floor mat lodging esp.) can be handled immediately with putting car in neutral. Make sure floor mats are secure and not aftermarket (toyota checks this on their dealer service). then cash the check. Enjoy the $20. Go on with life.
by sambb
Sun Nov 16, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Toyota Class Action Settlement Check, Cash or Not
Replies: 16
Views: 2381

Re: Target Date Fund all I need?

Agree, all you need is a target date or a life strategy fund. Far far better than 3 fund portfolio in my opinion. You get auto rebalancing. Its nice. Its so cheap, and the extra expense compared to admiral is questionable - yes it is slightly more but I think it is negligible for the convenience. A ...
by sambb
Sun Nov 16, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund all I need?
Replies: 19
Views: 2570

Re: Advise Needed: Unique Situation At workplace

Looks like it is time to move on. One boss can change everything. Start looking.
by sambb
Sun Nov 16, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 3899

Re: Resident physician with question regarding 403b/457 fund

Here is my take: NO one knows what taxes will be like when you retire So, convert half to roth. Keep half in traditional. That way you are hedged - you are playing both sides of the coin. If in doubt, I would convert more. However, the people who state that they know, unequivocally, that converting ...
by sambb
Sun Nov 16, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Resident physician with question regarding 403b/457 funds
Replies: 21
Views: 2073

Re: How to buy happiness (WSJ)

in certain cases, material objects of greater cost add value. For example, i have a car with backup camera, blind spot monitoring, etc. They are invaluable to me as a safety feature. Yes they cost more, and cannot be found in a 10 year old car. Great, I am willing to spend the money. If I were to ba...
by sambb
Sun Nov 16, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: How to buy happiness (WSJ)
Replies: 31
Views: 3588

Re: Glidepath (target date) investments distort asset alloca

i love target date funds. Pick the allocation you like. Set it and forget it. Look at it once every few years. You could do far far far worse, esp given down markets and the lack of discipline or timing in rebalancing.
by sambb
Sun Nov 16, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Glidepath (target date) investments distort asset allocation
Replies: 20
Views: 2832

Re: Warren Buffett:Stocks Are In a Zone of Reasonable

Im glad buffet (an 84 year old market timer, and stock picker) has views on the market valuation. I don't put much value in his thoughts, but there are soothsayers out there for sure. I don't think anyone really knows.
by sambb
Sun Nov 16, 2014 4:37 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett:Stocks Are In a Zone of Reasonable
Replies: 5
Views: 1248

Re: Health Insurance Question (Specialist Deeme"Out of Netwo

It is common for an insurance carrier to deny payment event though they have preauthorized the procedure. The OP's dilemma doesn't surprise me. Patients have to accept that the insurance carriers are not on their side, nor are the carrier's on the doctors side. The doctor is usually however on the p...
by sambb
Sat Nov 15, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance (Specialist "Out of Network" [error])
Replies: 35
Views: 3315

Re: "Downgrading" to a Porsche

I wouldn't buy; however, at age 29 it might be a good time socially to blow some money and have some fun. Of course, you will regret it 20 years from now. But you might not regret it with the top down next summer. Depends if money is your priority or self-indulgence. Everyone has their weaknesses
by sambb
Sat Nov 15, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: "Downgrading" to a Porsche
Replies: 39
Views: 6256

Re: Boss: I'll get back to you and never does

I am familiar with this. The only thing to do is a face to face or a reminder email.

"I am not trying to bother you, i just wanted to know if you had feedback on the work I emailed to you on x/xx. I would like to finish the project while it is fresh in my mind"
by sambb
Thu Nov 13, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Boss: I'll get back to you and never does
Replies: 7
Views: 868

Re: When is it time to buy a new car?

When time to buy a new car? I bought for the new safety features. They have saved me so many times. I love the blind spot monitors, extra airbags, bluetooth, etc. I will upgrade again in a few years for frontal collision detection. Avoidance of an accident can save my entire net worth from false lia...
by sambb
Thu Nov 13, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: When is it time to buy a new car?
Replies: 21
Views: 1997

Re: AAPL

dividend paid today also - 0.47/share
by sambb
Thu Nov 13, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 190
Views: 41524

Re: Engineer: how to make more money

best first way to increase your income is to actually just save more and cut expenses. Keep your car or computer an extra year. Etc etc etc
by sambb
Tue Nov 11, 2014 5:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineer: how to make more money
Replies: 54
Views: 7330

Re: For the next year or so, why shouldn't we be in all-cas

if you are sure the markets will be lower, then by all means you should be all cash

i'm just not sure where we will be. So i can't do that.
by sambb
Tue Nov 11, 2014 5:47 am
 
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 6883

Re: What Movie Have You Recently Watched?

gone girl. Wow.
by sambb
Mon Nov 10, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 18470

Re: Savings rate of -2% for those under 35 - WSJ

AS millenials were mostly raised by boomers (spend/debt) - we shouldn't be surprised. But there are exceptions to every generation, and that is what is nice about this website. I have sent this article to my coworkers in that generation. They verified these comments
by sambb
Mon Nov 10, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4373
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