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Re: Does anyone like the new Toyota/Lexus grilles?

camry sales just reported to be way up with the new grille. Clearly well liked in the USA>
by sambb
Wed Mar 04, 2015 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 58
Views: 3371

Re: Wife tired of saving...

Nothing wrong with spending a little Nothing wrong with buying a nicer car or house. Cars are best to buy a year or two old. Or lease if you arent sure. However, remember this - after a 5 year raging bull market, i think people get looser with money. I know I have also. I think it is important to co...
by sambb
Wed Mar 04, 2015 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 84
Views: 5041

Re: Company Car & Personal Car?

sell it. You can always buy another car if it doesn't work out. Try it and see if it works for you.
by sambb
Wed Mar 04, 2015 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Company Car & Personal Car?
Replies: 20
Views: 755

Re: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE

admire Bogle, but my freedom comes from hard work, etc. Nothing wrong with giving him an award, and i wish him the best, and along with those that believe that he is deserving. You certainly need hard work and the discipline to defer that immediate gratification to live below your means. But perhap...
by sambb
Tue Mar 03, 2015 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE
Replies: 42
Views: 3178

Re: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE

admire Bogle, but my freedom comes from hard work, etc. Nothing wrong with giving him an award, and i wish him the best, and along with those that believe that he is deserving.
by sambb
Tue Mar 03, 2015 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE
Replies: 42
Views: 3178

Re: How do I learn to like sushi?

It might be important for your career. So do it. I don't see how some rice and vegetables would be such a negative. You don't have to get fish. Have avocado rolls or cucumber rolls. You will be fine. And no fish is in them. If you can't handle those rolls, then you might have some issues. I dont und...
by sambb
Mon Mar 02, 2015 5:05 am
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 4486

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

driving a corvette, and struck by a large acura SUV. Wonder if a safer larger car would have resulted in a different outcome
by sambb
Sun Mar 01, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 53
Views: 8325

Re: physicians [Frustrated, considering early retirement]

I work with several doctors. There is an older one, who complains constantly about all of the regulations, red tape, malpractice, lower pay, etc. He is miserable. Then, i know a young one, who has no problem with the regulations, coding and billing issues, malpractice, etc. He is growing his practic...
by sambb
Thu Feb 26, 2015 3:45 am
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8862

Re: Help! I can't afford to eat on my South Beach vacation

To me, part of being on south beach is eating at a beachside restaurant and enjoying the atmosphere. The cost - I don't care. At all. If I wanted a cheaper vacation, there are better places than miami that still have a beach.
by sambb
Tue Feb 24, 2015 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4925

Re: green dot card scam?

definitely not a gift - definitely some sort of scam.
by sambb
Mon Feb 23, 2015 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: green dot card scam?
Replies: 3
Views: 468

green dot card scam?

I received a green dot card in the mail. So someone must be using my SSN? It is hard to call them to cancel the card. What do i do - any advice?
by sambb
Mon Feb 23, 2015 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: green dot card scam?
Replies: 3
Views: 468

Re: How much has Bogleheads contributed to your net worth?

BH has contributed little. I work hard, make a good salary, and I had a few fantastic and obvious stock picks (like AAPL) that enabled me to do extremely well. I am so glad that I found BH after I had invested in some individual stocks and made good money (way way over S&P 500, blew that index a...
by sambb
Sun Feb 22, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4120

Re: Luxury Car

sports car - 911 targa luxury - doesn't matter - S class is in vogue right now. Lexus big SUV for reliability. Perhaps audi S8 for performance. Tesla? - never. Have a family member with one. Nice but interior of lower scale, really poor battery life in colder weather, and a small fender bender can c...
by sambb
Sun Feb 22, 2015 5:52 am
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5465

Re: why do some people like Fidelity?

fidelity's customer service is amazing comparatively. I don't really hold on to vanguard for jack bogle, thats irrelevant to me. I like both firms. Doesn't bother me that fidelity's managers are wealthy. So are people on BH.
by sambb
Sat Feb 21, 2015 4:35 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6720

Re: End of Life for a Friend of Mine....a couple weeks ago..

medical, cognitive, and physical decline can be challenging. Can and does happen much earlier than 84. From a financial perspective, as this is a financial forum, at least he clarified the finances with his wife.
by sambb
Fri Feb 20, 2015 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: End of Life for a Friend of Mine....a couple weeks ago....
Replies: 41
Views: 4406

Re: Expecting a big inheritance - Should it change my life?

1. watch the documentary called "born rich" - will give you perspectives on this 2. You are in your mid 30s, and will get a million bucks? Awesome. I say spend on dating, vacations, dinners. Why not. Just make sure you can step away from that spending. you only live once. But it isn't sust...
by sambb
Tue Feb 17, 2015 5:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7904

Re: New Lexus NX Not an Economy Bargain

Some times you lose efficiency (your gas mileage drops by 5%) along with power. Personally this always struck me as one of those non issues. Imagine you driver 15k miles/yr *20mpg. We are talking 150 (.20 premium. Feel free to use your local difference)/yr. For someone buying a close to 40k car, th...
by sambb
Mon Feb 16, 2015 10:03 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3036

Re: When would you retire money no object?

I like my work overall. I can't imagine not doing it - it is interesting and satisfying. I don't see any huge advantage to retiring. I suppose there are professional athletes and entertainers who have more than enough money, but love their work also, so they keep on playing or working. (tom brady fo...
by sambb
Mon Feb 16, 2015 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 3276

Re: New Lexus NX Not an Economy Bargain

my friend's porsche gets even worse fuel economy, and stores less, and requires premium, and is smaller. And 3x the price. Clearly, it isnt a value? Or perhaps these are different cars with different populations for marketing and meant for different groups of people? I think it is likely that differ...
by sambb
Sun Feb 15, 2015 7:31 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3036

Re: Savings Rate Methodology

hard to compare savings rates because: 1. are you paying a mortgage - and does that need to be included - and when comparing, are the people one is comparing against, are they in the same situation? 2, Same with school loans 3. Same with college for dependents hard to know what is appropriate given ...
by sambb
Sun Feb 15, 2015 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate Methodology
Replies: 22
Views: 1873

deciding on big ticket item - fitting it into financial plan

I am considering the spending of money on a big ticket item - a one time spend of about 20% of my salary for the year. How does one assess this, in terms of achieving one's financial goals? I am on track to reach my financial goals by age 60 and with regular savings. I have a stable job. No debt. Ha...
by sambb
Sun Feb 15, 2015 12:28 pm
 
Forum: Personal Consumer Issues
Topic: deciding on big ticket item - fitting it into financial plan
Replies: 19
Views: 1305

Re: College savings costs / number

At the apex costs can and will continue to rise because the target audience is truly global. Harvard and Stanford can and do market to top U.S. high school graduates but also Singaporean math stars, Indian princes, Saudi sheiks, Chinese billionaires, and so on. Indian princes? India is a democracy,...
by sambb
Sat Feb 14, 2015 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6382

Re: Does anyone like the new Toyota/Lexus grilles?

i like it. I wouldn't be surprised if older or elderly people, or those who are more conservative, prefer a buick look instead however.
by sambb
Sat Feb 14, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 58
Views: 3371

Re: Is anything on sale now?

Look up the callan periodic table of investing. That might give you ideas.
by sambb
Sat Feb 14, 2015 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Is anything on sale now?
Replies: 13
Views: 1488

Re: How to interact with medical establishment

I doubt i would go to burger king to ask about a bad hamburger from mcdonalds. If you have a surgical problem, call the surgeon who did the operation. Your primary doctor is there to support your issues in their own specialty. If I were trying to get in to see my PCP for a blood pressure problem, i ...
by sambb
Sat Feb 14, 2015 6:44 am
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2727

Re: Tolerance for "rebalancing risk" in retirement

When looking at historical threads, i t appears that several people did not rebalance in, as the market dropped >40%.

Best to be in a nice life strategy fund and avoid all of these issues.
by sambb
Fri Feb 13, 2015 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Tolerance for "rebalancing risk" in retirement
Replies: 29
Views: 1576

Re: College savings costs / number

i hope my kids attend an ivy league school. as they are young, i am budgeting 100k per year per child. right now it is 50k per year. 100k per year likely not enough. will require some sacrifices. great private college (ivy) has helped me in amazing ways. One could budget for the type of school they ...
by sambb
Fri Feb 13, 2015 6:15 am
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6382

Re: Tesla S

Good luck to those holding TSLA. I wish I had shorted the stock.
by sambb
Thu Feb 12, 2015 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73612

Re: Wellington vs Life Strategy Moderate Growth

cost difference is meaningless imho wellington = active management LS = passive index managed Do you believe in active or passive? Do you believe in investment managers or the broad index? Thats what it comes down to for me. Past performance is no guarantee of future return. Good luck regardless. In...
by sambb
Sun Feb 08, 2015 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington vs Life Strategy Moderate Growth
Replies: 11
Views: 1544

Re: Thoughts on my aggressive asset allocation

Easy to be aggressive at the market high and a 5 year incredible bull run. I overheard at work the other day how a man in his 40s had just moved everything in the S&P.
I would stick to regular asset allocation models - age in bonds or age-10 in bonds.
Opinions will vary. Best wishes.
by sambb
Sat Feb 07, 2015 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my aggressive asset allocation
Replies: 10
Views: 1077

Re: The Emergency Fund Revisited

Im starting to abandon the concept of a 6-12 month emergency fund. I have taxable accounts, so putting that money into my stock/bond allocation is easy. If i am faced with a emergency, the money is liquid and funds can be sold immediately. I think the idea of an emergency fund was more relevant when...
by sambb
Sat Feb 07, 2015 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: The Emergency Fund Revisited
Replies: 20
Views: 1884

Re: 3 must have car safety/'Convenience safety' features

only 3 options is far to few for my opinions. Several more have saved me from accidents. This can prevent liability and injury. I consider those to be valuable. Looking at the BH net worth study, i think that it is ironic that there are several with high net worth, who might drive a 10 year old camr...
by sambb
Tue Feb 03, 2015 4:26 am
 
Forum: Personal Consumer Issues
Topic: 3 must have car safety/'Convenience safety' features
Replies: 36
Views: 2554

Re: How much is a safe car worth?

Any of us could be struck by lightning on any given day. If I had to pay a penny to protect myself from lightning bolts for the rest of my life, I would do it. If I had to pay $10k annually, I'll take my chances. That's not really true. Lightning risk is extremely nonuniform. For instance, some are...
by sambb
Sun Feb 01, 2015 1:56 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9021

Re: Per Diem - no retirement accounts, any options?

Wow, with income like that, just put your all extra money into tax balanced admiral or split between intermediate tax exempt and total stock market, (in taxable accts), and spend the next few months-years learning. You will be fine. Several opinions will be offered, but this is simple and will put y...
by sambb
Sun Feb 01, 2015 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Per Diem - no retirement accounts, any options?
Replies: 8
Views: 945

Re: How much is a safe car worth?

Problems I see are that no one drives or buys an average composite of all new cars. Instead, you buy a vehicle with a particular make and model, that may have a lot or very little in the way of new safety features compared to an older car. The data on the safety of a particular make and model can b...
by sambb
Sun Feb 01, 2015 8:22 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9021

Re: POLL: Do you personally own a cell phone?

i wonder what the average age of people is - for those who don't have a cell, and for those with a non smart phone.
It is amazing how much time my iPhone has saved me, and how much it has increased my productivity and income. I would pay 10x its price for it.
YMMV
by sambb
Sun Feb 01, 2015 4:55 am
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 6166

Re: How much is a safe car worth?

But the frontal off set collision is something I think worth paying attention to, as is ESC, along with rear camera (one friend just lost their child this year by running them over), and blind spot monitoring (my wife just admitted she doesn't always look over her shoulder and likes the idea of the...
by sambb
Sat Jan 31, 2015 10:42 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9021

Re: Is This Market Timing?

nothing wrong with it if it makes you happy
10 years from now you will see that this approach has little long term effect and it is tedious
by sambb
Sat Jan 31, 2015 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: Is This Market Timing?
Replies: 7
Views: 362

Re: How much is a safe car worth?

a safe car is worth your life and those of your family I know that a lot of BH are in favor of driving an old car until the wheels fall off For me, i disagree. modern safety features and accident avoidance features (blind spot monitor, rear view camera, etc) have saved me from several accidents - an...
by sambb
Sat Jan 31, 2015 9:42 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9021

Re: Net Worth Survey, 2015 Edition

interesting thread
by sambb
Sat Jan 31, 2015 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23616

Re: Time to jump in?

if you are not ready to jump in, then don't do it.
You can always wait and see if there is a pullback. But you might be wrong and it might go up.
You should invest when you are comfortable
In ten years it probably won't matter if you went in now or later. Probably.
by sambb
Sat Jan 31, 2015 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to jump in?
Replies: 11
Views: 902

Re: How do you "Stay the Course"?

deleted
by sambb
Sat Jan 31, 2015 11:04 am
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 71
Views: 6642

Re: Filed your 2014 Federal Taxes yet?

when are 1099 miscs all mailed out? i usually start after receiving all those
by sambb
Sat Jan 31, 2015 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4050

Re: The lowest stock allocation you plan to stay with

I think I will stay at 60/40 or 50/50 It appears that the worst yearly return of 60/40 is -30% I hope to accumulate 50% more than I plan on needing, so i should be able to weather a downturn. Of course easy for me to say now, it will depend on life and world events, tax changes, and other unrecogniz...
by sambb
Sat Jan 31, 2015 9:27 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4353

Re: Trusting and shopping around for doctors

From a financial perspective, which is the purpose of this forum, i think seeing a doctor who finds out what is wrong with me is important, as it gets me back to work quicker. That's the bottom line for me.
by sambb
Fri Jan 30, 2015 4:46 am
 
Forum: Personal Consumer Issues
Topic: Trusting and shopping around for doctors
Replies: 32
Views: 2166

Re: Workplace net worth conversations you'd like to avoid?

i have been asked before, or have been in such conversations. I say that "Im paying off school loans for me and my wife, and her little sister and probably will be doing it for life, so I prefer not to discuss money at all. Im just happy to have a job that I like." Then I leave the convers...
by sambb
Wed Jan 28, 2015 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 9330

Re: What experts say about $5,000 watches

my iPhone is a far better timepiece than a watch, is always with me, and can do far more than a regular watch. And I would pay a lot more than i did for it.
by sambb
Mon Jan 26, 2015 4:16 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 180124

Re: Time to stop driving for 85 yo MIL

seniors (of variable age) can and do have cognitive decline that can make driving dangerous and can be a financial liability issue. then again, i hope i live long enough to get to that point! I would call the DMV on the person.
by sambb
Sun Jan 25, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 5761

Re: negotiating vacation days

Take care about asking for too much. You might inadvertently signal that you are high-maintenance, or that you aren't interested in working hard.


+1000
by sambb
Sat Jan 24, 2015 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 37
Views: 2728

Re: Downsize, Reduce, Simplify.

one key to downsizing is not the downsizing it self, but to not replace with upsizing. If one can't downsize one's closet,one's cars to a honda or toyota, or one's upscale lifestyle, then i think it is unlikely to be sustainable for some people. Same goes for people who have 2 iPads, 2 computers, an...
by sambb
Sat Jan 24, 2015 8:15 am
 
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 72
Views: 9487
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