Search found 871 matches

Return to advanced search

Re: Home stereo system conversion to digital

Log on to spotify. Done.

But Apple products make everything easier.
by sambb
Sat Apr 18, 2015 11:22 am
 
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 26
Views: 1590

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
Sat Apr 18, 2015 11:15 am
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1490

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
Mon Apr 13, 2015 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 49
Views: 6123

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
Sun Apr 12, 2015 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4342

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
Fri Apr 10, 2015 10:19 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5019

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
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: 16470

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 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: Switching 40% of my portfolio to bonds: just can't do it.
Replies: 52
Views: 6966

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 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 136
Views: 12165

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
Mon Apr 06, 2015 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5182

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 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: vbaix & VASGX [Balanced Index vs. LifeStrategy Growth]
Replies: 6
Views: 469

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 5:00 pm
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3117

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
Sun Apr 05, 2015 9:12 am
 
Forum: Personal Consumer Issues
Topic: Microsoft's Surface 3- anyone considering?
Replies: 35
Views: 3724

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 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: (When) should I stop contributing to my 401k?
Replies: 21
Views: 2814

Re: Sunglasses $6 to $200

look at warbyparker for presription sunglasses. love mine. interesting way to buy.
by sambb
Sat Apr 04, 2015 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2794

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
Thu Apr 02, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another reason why BHs pay off mortgage early?
Replies: 51
Views: 6772

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
Wed Apr 01, 2015 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another reason why BHs pay off mortgage early?
Replies: 51
Views: 6772

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 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another reason why BHs pay off mortgage early?
Replies: 51
Views: 6772

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...
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: 5458

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

have you figured that by saving the $6000 up front, you can invest that $ and turn it into $12000 in 8-10 years? That is the reason saving money up front helps. used helps your savings and investments and allows you to make more money. Maybe a lot more if you invest well and market does well. also, ...
by sambb
Tue Mar 31, 2015 4:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5458

Re: What would you do now if you were all cash?

given the conservative outlook - I would invest in a 40/60 allocation (life strategy conservative growth or equivalent) for you and target retirement income for the elderly individual. In a few months - years, if you are comfortable with this risk tolerance, then change asset allocation. You will be...
by sambb
Tue Mar 31, 2015 2:40 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do now if you were all cash?
Replies: 28
Views: 3382

Re: Did you learn anything from 2008?

Don't believe people when they tell you they can "stay the course." Look up "Plan B" and related Boglehead posts from around that time. Eye-opening. +1. Staying the course worked out ok for the US, but hasn't really worked for the japanese market historically. This is why asset ...
by sambb
Tue Mar 31, 2015 2:34 am
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8404

Re: Did you learn anything from 2008?

that when people market time correctly, they make or save a lot more money than staying the course. Unfortunately, i stayed the course and saw stocks go down. A lot. Could've been worse had i sold at lows however. Some people did far better than me by getting out earlier, and back in once informatio...
by sambb
Tue Mar 31, 2015 2:31 am
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8404

Re: Riddle Me This [Vanguard's bond target so far from Bogle

I would have a lot more money if i listened to vanguard instead of bogle on Asset allocation. I suppose that some of bogle's theories aren't relevant in the modern age, but we won't know for decades.
by sambb
Tue Mar 31, 2015 2:25 am
 
Forum: Investing - Theory, News & General
Topic: Riddle Me This [Vanguard's bond target so far from Bogle's]
Replies: 10
Views: 1815

Re: Tablet recommendations?

ipad ipad ipad ipad ipad. New one. Will change your life once you accept the apple ecosystem. Lots of options. Also, importantly - amazing resale value if new generations appeal to you also. iPad is the best way to go IMHO.
by sambb
Mon Mar 30, 2015 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tablet recommendations?
Replies: 17
Views: 1594

Re: Advice On Dealer's Offer to Exchange Old for new car

I dont see it as a "ploy" - it is just simple sales. They want to sell you a new car, and take your car in for trade. Great - that is their job - to sell you a new car. I dont think it is a scam in which they will steal your car, etc. It is simply a sales call. Nothing illegal about it. It...
by sambb
Mon Mar 30, 2015 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 20
Views: 2056

Re: How many of you invest in individual stocks?

yes, made a lot of money in AAPL. Paid off mortgage. Dont plan on doing it again unless I see a tremendous product like apple iPhone on the market, which ALSO has been undervalued by analysts (who carried blackberries at the time). Opportunities come up, but for me maybe not again. Wasn't a lucky be...
by sambb
Sun Mar 29, 2015 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 4749

Re: Availability of doctors accepting Medicare

I know of several experienced specialists who are very good docs, who refer the medicare cases to their less experienced colleagues and partners, and only perform procedures on privately insured patients. Yes, they take medicare, but their wait list becomes long if you have medicare, but of course t...
by sambb
Sat Mar 28, 2015 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Availability of doctors accepting Medicare
Replies: 12
Views: 1023

Re: Boomer forced to retire (unemployed)

Be careful of accusing ageism. Maybe the skill sets needed in the current workplace are different from the ones he has. It isn't easy to stay motivated. I am glad you shared your story and wish you luck.
by sambb
Fri Mar 27, 2015 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boomer forced to retire (unemployed)
Replies: 34
Views: 4053

Re: Which house would a Boglehead choose?

option A
by sambb
Fri Mar 27, 2015 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Which house would a Boglehead choose?
Replies: 24
Views: 1715

Re: Tesla X

delivery date has changed so much, that who really knows

http://my.teslamotors.com/nl_BE/forum/forums/signature-model-x-delivery-early-2014
by sambb
Fri Mar 27, 2015 11:05 am
 
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 15
Views: 1753

Re: Is Apple Training good?

its a great investment, like most apple products, it is built around you.
by sambb
Fri Mar 27, 2015 10:40 am
 
Forum: Personal Consumer Issues
Topic: Is Apple Training good?
Replies: 7
Views: 566

Re: John Bogle's Don't Peek Challenge

Jack Bogle has a lot of positives, but the idea of "don't peek" seems amateurish to me and it is not the message i would recommend to anyone.
by sambb
Thu Mar 26, 2015 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 136
Views: 11112

Re: Can you really know your AA until you've hit a bear mark

sawhorse wrote:sambb, can you link to some of those threads that you found the most interesting in retrospect?

I'm a recent investor whose risk tolerance has never been tested.



I don't have them but I read them last year. Someone will chime in. Soon enough..
by sambb
Thu Mar 26, 2015 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 74
Views: 5424

Re: WSJ Delivery Record - Dismal

Haven't touched a newspaper in years. Can get it online. Don't really understand the idea of print newspapers. Up to date news can be found online in seconds. Twitter is also really good for breaking news. Can't imagine why anyone would want a print paper, but i guess there are some reasons to want ...
by sambb
Thu Mar 26, 2015 10:53 pm
 
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 25
Views: 1906

Re: Can you really know your AA until you've hit a bear mark

read some of the old threads from those days. Look how many BH are upset that they "stayed the course" I wonder if they are still on the site Risk tolerance is easy in bull markets. Bear markets test one's resolve. And one day, staying the course will NOT be good, as you watch your money d...
by sambb
Thu Mar 26, 2015 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 74
Views: 5424

Re: Best albums of 2015

Taylor Swift, Nicki Minaj and Ne-yo. Tay's album dropped in 2014, so not relevant. they are better than some of the "classic rock" to my ears, with all of that distorted guitar stuff and drum banging. Hip hop stars' lyrics are just amazing these days. Nevertheless, the word "album&quo...
by sambb
Thu Mar 26, 2015 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 68
Views: 5136

Re: Need a tablet maybe

ipad is the best, easiest to use, and you might also end up losing your win 8 computer for a mac. Amazing integration and the apple store will spend time with you to learn things 1 on 1. Go in and ask. Apple - It just works. It just works. I wouldn't make a purchase until you visit them.
by sambb
Thu Mar 26, 2015 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1920

Re: Wise move to move some $ to cash before bear market?

nothing wrong with market timing - as long as you are right. I don't think i will be right at it. Maybe it will work for you. If it does, then we are all stupid to dissuade you. I just can't personally time the market. Wish I could. Stay the course.
by sambb
Thu Mar 26, 2015 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 11703

Re: Kendrick Lamar: Rapper with Boglehead Principles?

He has some good music.
I hope someone forwards this thread to his managers. Seems like a prudent guy.
by sambb
Thu Mar 26, 2015 11:11 am
 
Forum: Personal Consumer Issues
Topic: Kendrick Lamar: Rapper with Boglehead Principles?
Replies: 14
Views: 1598

Re: Failed Surgery - Doctor not volunteering discount

Interesting thread. My cousin had cancer surgery and chemo. The cancer came back. So, should i encourage his family to seek reimbursement for the surgery and the chemo since it didn't work? Additionally, my uncle had a heart bypass surgery and multiple cardiology visits and medications. He still die...
by sambb
Thu Mar 26, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: Failed Surgery - Doctor not volunteering discount
Replies: 32
Views: 2464

Re: Edward Jones Account Closing Fees

Your approach, in my opinion, is very "old school" 1970s. The way to do this in 2015 in my opinion is to tweet about it from your twitter account to them, and DM them and call out their advisors. Often by name. And let it appear in google searches. And be professional while you do it. You ...
by sambb
Tue Mar 24, 2015 4:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 7057

Re: Convince a Newly Converted Boglehead to sell AAPL shares

People who say not to buy apple - i wonder if they own index funds. If they are in the indexed heavily in the S&P or total stock, then apple is their #1 holding as far as stocks. So, if the answer is not to buy apple, then it rules out those index funds as it is the largest holding in a conceptu...
by sambb
Mon Mar 23, 2015 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince a Newly Converted Boglehead to sell AAPL shares
Replies: 20
Views: 1977

Re: Convince a Newly Converted Boglehead to sell AAPL shares

i made a lot more money in apple than i ever did, ever with advice on bogleheads. I was able to pay off my house, etc etc. I would consider selling some, but at 10% of your portfolio, and if you can handle the roller coaster, i see no need to sell it. I am against individual stock ownership, but i a...
by sambb
Sun Mar 22, 2015 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince a Newly Converted Boglehead to sell AAPL shares
Replies: 20
Views: 1977

Re: Urgent Care Centers - When should they be used?

urgent care = no specialists, no consultations, and no admissions generally speaking. Often limited radiology findings. they do good work though good for sprains, sinus infections, minor bruises or scrapes, flu shots, routine blood work, insect bites, physicals, minor things that are not emergencies...
by sambb
Sun Mar 22, 2015 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3721

Re: Should I invest my emergency fund?

Some of the worst financial advice i have received here is to NOT invest my emergency fund. I have changed that once i did the analysis. I see little downside over the long term with a 60/40 allocation mix. But i have a taxable account with significant holdings that i could sell if something happened.
by sambb
Sun Mar 22, 2015 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 6211

Re: Doctor's office requires credit card on file

It is interesting here that people don't believe businesses like a doctors office, should pass on potential expenses to their clients. It just seems strange to me. I would gladly pay the amount of all of these fees if the doctor was the right doctor for me. I am sure that most (all?) businesses pass...
by sambb
Sat Mar 21, 2015 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 3003

Re: New vs used cars

the whole difference is so dependent on the opportunity cost, and how you would invest the money. And then you have to calculate market returns.

so might not be able to compute the difference
by sambb
Fri Mar 20, 2015 9:05 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2708

Re: Doctor's office requires credit card on file

the idea of "moving on" assumes that you can find an equivalent doctor.
by sambb
Fri Mar 20, 2015 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 3003

Re: New vs used cars

also, a prius has fairly good resale value. You could do this again with other cars and have different results. As far as warranty work, you could also factor in extended warranty For me, i think the calculation differs on the type of car. The big one, however, is the investment of the difference in...
by sambb
Fri Mar 20, 2015 4:09 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2708

Re: New vs used cars

Are you accounting for the fact that (if you pay cash) that you can invest the difference? For me, that has been amazing. I often buy 1-2 years old preowned cars. I have had a variety of brands - BMW, Mercedes, Porsche, Toyota, honda, lexus etc. I sell for a pretty good price also. However, i can st...
by sambb
Fri Mar 20, 2015 12:21 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2708
Next

Return to advanced search