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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: 30
Views: 1668

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: 30
Views: 1668

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: 11
Views: 1090

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: 51
Views: 2640

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: 51
Views: 2640

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: 8
Views: 1290

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: 6
Views: 464

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: 13
Views: 994

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: 52
Views: 2804

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: 987

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: 3918

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: 1664

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: 1711

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: 547

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: 103
Views: 8701

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: 5132

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: 1845

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: 5132

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: 54
Views: 3821

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: 1838

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: 91
Views: 8083

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: 1567

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: 2417

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: 6930

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: 1947

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: 1947

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: 3655

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: 6028

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: 2950

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: 2659

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: 2950

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: 2659

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: 2659

Re: Tax pdf - quick type II font?

downloaded several and installed - not happening
adobe doesn't offer the font
so frustrating for tax time
by sambb
Thu Mar 19, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax pdf - quick type II font?
Replies: 5
Views: 334

Tax pdf - quick type II font?

My accountant keeps sending me my taxes, but all the computers don't have the "quciktype II" font. I have tried Macs and PCs. Even downloaded the font. How do i see a pdf of taxes which have a requirement for a quicktypeII font?
by sambb
Thu Mar 19, 2015 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax pdf - quick type II font?
Replies: 5
Views: 334

Re: job offer, 2x salary

thanks for the advice. Frankly, if i could make 50%-75% more, i would stay. But for 100% more, it is hard to stay. I just have not switched jobs a lot, so this is fairly new to me. Some of you are quite experienced in switching every 5-10 years. I never listened to the headhunters until this happene...
by sambb
Thu Mar 19, 2015 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4832

Re: job offer, 2x salary

thanks for everyone's help. Sounds like i should take it. thanks.
by sambb
Thu Mar 19, 2015 3:01 am
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4832

Re: job offer, 2x salary

well, it gets complicated for some of your questions. i am underpaid, but have a noncompete agreement, so couldn't take a job with a nearby competitor. The offer is from an employer that is out of the noncompete radius - hence, the drive. So that works. They are in a real bind due to 2 other losses,...
by sambb
Wed Mar 18, 2015 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4832

Re: job offer, 2x salary

problem with moving is that wife works in opposite direction by 20 minutes. So, thats not an option. i am very conservative and have done well in the job that i am currently at. I do it better than anyone else in the company, so i am valuable to my current employer, and would have better job securit...
by sambb
Wed Mar 18, 2015 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4832

job offer, 2x salary

I have an offer from a great place, though less prestigious company, but would double a six figure salary, and with better benefits. I have never really switched jobs, from my current 15 year position. The commute would be 45 minutes more than current, but my hours would be an hour or two less a day...
by sambb
Wed Mar 18, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4832

Re: Laptop: Windows based vs. Apple

once i adjusted to a mac, i would never go back

I use PCs in a corporate environment.

The mac saves me time and money, and makes me so much more efficient than my work PCs
by sambb
Mon Mar 16, 2015 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5708

Re: 86% of investment managers stunk in 2014

despite great returns, i often find it ironic that some bogleheads praise wellington or wellesley, but then bash active management. It is just a paradox. Active mgmt by vanguard is here (and has done well), but conceptually i always find it ironic
by sambb
Sat Mar 14, 2015 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: 86% of investment managers stunk in 2014
Replies: 22
Views: 2056

Re: Will you buy an Apple Watch?

Um, one doesn't have to open anything cause their hardware and software are impeccable. I still have an iPad 1 and a 4S that are 99% flawless. My elder parents 1) know how to use their products intuitively and 2) never need repairs. 2 very important factors. Probably the most important. It just wor...
by sambb
Fri Mar 13, 2015 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17901

Re: Will you buy an Apple Watch?

It is interesting here, that people have passion for vanguard, and people don't ask "do you work there". Getting back to the OP - i do plan on buying a low end model of the iwatch, and I plan on upgrading every model along the way. I hope apps become available that make it do things that w...
by sambb
Fri Mar 13, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17901

Re: Will you buy an Apple Watch?

Each generation of the iwatch, like the iphone and ipad, will do more and more. The first gen is just the start. The other products grew in popularity far after the first gen. The service of apple, in several polls, has been exemplary, as has the customer satisfaction. Dont see people waiting in lin...
by sambb
Fri Mar 13, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17901

Re: Will you buy an Apple Watch?

boroc7 wrote:Okay, this is the earliest post I could find from Bogleheads on the iPad announcement:
http://www.bogleheads.org/forum/viewtop ... 11&t=49440

There are some echoes.



wow, great great post. thanks so much for sharing.
by sambb
Thu Mar 12, 2015 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17901

Re: Will you buy an Apple Watch?

Will I buy an Apple watch? Hell no. Apple has made billions off Americans' fundamental inability to differentiate between need and want. +1 And also an inability to understand the definition of quality. I will silently judge and laugh at anyone I see wearing one of these. I feel like laughing to, b...
by sambb
Wed Mar 11, 2015 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17901

Re: Will you buy an Apple Watch?

Not an Apple fanboy here, but I agree with some of the shouted-down posts from above that saying that most of us BHers are simply not connected enough to fully appreciate the whole apple experience before it arrives. Despite all the loads of doubt here, odds are very good that Apple will sell a lot...
by sambb
Wed Mar 11, 2015 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17901

Re: Will you buy an Apple Watch?

of ~20 coworkers i saw today at lunch, 19/20 have iphones. All have iphone 5 or later. All are seriously considering an iwatch. I doubt all will buy the first generation. All the coworkers are under age 45 at different levels in the organization. at least 5 plan on waiting in line for this. But thi...
by sambb
Tue Mar 10, 2015 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17901
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