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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 - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 95
Views: 8788

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 - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 95
Views: 8788

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 - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 95
Views: 8788

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 - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 95
Views: 8788

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 - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 95
Views: 8788

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 - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 95
Views: 8788

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: 5968

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: 2459

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: 880

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: 2879

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: 5968

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: 2459

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: 2294

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: 2552

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: 3829

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: 1976

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: 3532

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: 2708

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: 1229

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 Question (Specialist Deeme"Out of Network")
Replies: 31
Views: 2759

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: 6016

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: 864

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: 1937

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: 189
Views: 41088

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: 7308

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: 6680

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: 209
Views: 16262

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: 4139

Re: Mr Bogle - 20x p/e warning

I don't want to be blindly reverent. It sounds exactly like timing to me.
by sambb
Mon Nov 10, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Mr Bogle - 20x p/e warning
Replies: 22
Views: 3177

Re: Startegy to sell a single stock that is huge% of portfol

It is not always wise to liquidate. Investments in Apple, Chiptole,and others gave me a huge chunk of my net worth. They eventually went up so much that I was secure and able to pay off all my debt. Of course, it is risky. But sometimes you guess really right and make a lot of money in good companie...
by sambb
Sun Nov 09, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Startegy to sell a single stock that is huge% of portfolio
Replies: 9
Views: 1308

Re: Is Roth 401k better even if future tax bracket is lower?

I am bewildered that people use current tax rates to judge the comparative value of a traditional vs roth 401k, that might be 20-30 years in the future. This seems to be a common error. Don't know why that is done over and over. WE have no idea what taxes will be in 20-30 years. My advice - hedge yo...
by sambb
Sun Nov 09, 2014 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 26
Views: 2831

Re: Merc or BMW?

I have owned every high end marque. I have had very reliable and very unreliable BMWs. Mercedes have been very relaible (only had E class). Nevertheless, the reliability of all of these PALE in comparison to lexus. However, you have to spend on something, and if european car maintenance doesn't both...
by sambb
Sun Nov 09, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 6218

Re: Great camera to take pics?

There are a lot of nice cameras out there. I prefer Leica. Nevertheless, in the current era, using a phone and uploading to instagram immediately for immediate viewing and sharing is the norm.
It is just a different philosophy compared to days of yonder. Times are changing.
by sambb
Sun Nov 09, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 4459

Re: My DISH tv bill just keeps going up and up

Maybe I am from a different generation, but a lot of people are dropping all tv and cable. There are other ways to entertain and stream. Live and DVR'd TV seems "so 20 years ago". It may be cheaper to adapt to changing times, if you have internet access.
by sambb
Sat Nov 08, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 4307

Re: asset allocation question - reason to go > Age in bonds

It is so interesting that people are worried that the bond market would go down with rises in interest rates. That may be true, but wouldn't that pale in comparison to the amount stocks would go down in a rising interest rate environment? The rationale here is just so odd regarding asset allocation ...
by sambb
Sat Nov 08, 2014 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation question - reason to go > Age in bonds
Replies: 22
Views: 2189

asset allocation question - reason to go > Age in bonds

I have a question on asset allocation. I am in my mid-40s and I have a 60/40 S/B allocation. It seems like when I read about allocation, a lot of people are more aggressive than the "age in bonds" rule of thumb. (100-age in stocks). If my savings and earnings stay the same, I will be able ...
by sambb
Fri Nov 07, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation question - reason to go > Age in bonds
Replies: 22
Views: 2189

Re: When do you buy a new home computer?

I buy one every 2 years.
I get macs
The resale is amazing
I buy because Iike new things sometimes
And because you have to spend on something
by sambb
Fri Nov 07, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 3911

Re: Tough spot, decided to lease a car

There's a spending and saving philosophy, called "mustache" or something like that I think. You should look up that information as it might help you too. Wish you the best of luck.
by sambb
Wed Nov 05, 2014 6:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13821

Re: Oil and or Metals?

1% of portfolio, eh? yes, eh? I asked for positives. I am aware of the negatives. Thanks for your input! 1-2% of my portfolio is my 4-6 mo emergency fund also. the 1-2% would be in a roth, so it actually is more than 1-2% in a tax adjusted basis It is a starting point. I think of this as a emergenc...
by sambb
Tue Nov 04, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: Oil and or Metals?
Replies: 19
Views: 1165

Oil and or Metals?

I am a broad index investor with 60/40 mix. I am thinking of taking a tiny percent of my portfolio in assets that do not trade with stocks and bonds. Mainly metals and oil via 2 vanguard sector funds. It would be a hedge, and 1% of my total portfolio. I know the downsides of sector investing. I know...
by sambb
Tue Nov 04, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Oil and or Metals?
Replies: 19
Views: 1165

Re: Should I stop tracking past performance?

agree - instead track your spending. A dollar saved is incredibly valuable.
by sambb
Tue Nov 04, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Should I stop tracking past performance?
Replies: 36
Views: 2181

Re: Job advice - academic physician career move?

I bet it is challenging as a MD to raise three kids without any help - if you are used to having family around. It will be an adjustment. You will be successful if you can survive that stress and if you like your colleagues and work. I think in the end the choice is somewhat neutral.
by sambb
Tue Nov 04, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 2882

Re: Job advice - academic physician career move?

I have worked with MDs at all sorts of academic and nonacademic hospitals. Each academic center has its own culture, and different departments have different cultures. The grass is always greener on the other side. Being without parents is a stressor for you and your family. The job better be worth ...
by sambb
Tue Nov 04, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 2882

Re: What do you set your thermostat to (in F)?

depends a lot on willingness to wear insulating layers, or on body fat percentage, which is also a form of insulation.
by sambb
Tue Nov 04, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4456

Re: What to do with a million

i would invest 40/60 in LS conservative growth
I would spend some on things you may desire
However, if you don't enjoy spending, i would just save it for life events - emergencies or conveniences if you need it in advanced age.
If you do enjoy spending it, then keep yourself in line.
by sambb
Tue Nov 04, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with a million
Replies: 26
Views: 3853

Re: AA...any other crazy 80/20 folks out there?

I am in my mid 40s and I am 60/40. No need for more risk at this juncture
by sambb
Tue Nov 04, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4746

Re: AAPL

was above 110 intraday today
by sambb
Mon Nov 03, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 189
Views: 41088

Re: AAPL

110 soon
by sambb
Sat Nov 01, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 189
Views: 41088

Re: Is $700,000 enough to retire? Opinions please .

to the OP, your ability to retire depends on your life expectancy and how healthy you are.
by sambb
Sat Nov 01, 2014 2:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12466
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