Search found 1003 matches

by sambb
Wed Sep 02, 2015 8:47 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 111
Views: 6536

Re: Selling all equities, discuss why I'm wrong. :)

I am puzzled that so many people think it is wrong. I believe the real answer is that we don't know financially if it is wrong until the future plays out. It may be absolutely right decision to take the money out of the market after the future tells us. If the market goes down a lot you will look li...
by sambb
Wed Sep 02, 2015 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: 50:50 Life Strategy Mod Growth and Balanced Index?
Replies: 10
Views: 731

Re: 50:50 Life Strategy Mod Growth and Balanced Index?

very little difference between 60/40 and 50/50
these funds are great for your goals.
i use them a lot also in my tax deferred accts
by sambb
Wed Sep 02, 2015 5:46 pm
Forum: Personal Consumer Issues
Topic: New commute car for longish commute tall commuter
Replies: 9
Views: 535

Re: New commute car for longish commute tall commuter

accord and camry are never the wrong answer. there is a reason they sell in such high numbers. they are good all around reliable cars. always a safe option for anyone are these two models. i have owned both of them and also owned high end german makes, sports cars and exotics. the accord and camry o...
by sambb
Wed Sep 02, 2015 5:44 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 111
Views: 6536

Re: Selling all equities, discuss why I'm wrong. :)

I would go back and read historically at all the bogleheads who wish they had sold prior to the 2008-9 bear market. Those threads will be enlightening. I hope you are wrong and the market goes up. On the other hand, you might be smarter than all of us by getting out. We shall see. Time will tell. Im...
by sambb
Wed Sep 02, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 111
Views: 6536

Re: Selling all equities, discuss why I'm wrong. :)

Past performance of the US market is not at all predictive of the future. If the market goes down for the next 10 years or is in a long long bear market, then the OP will be very smart and I will wish I had sold. The japan situation could happen. Or global problems, war, diseases, etc. Prolonged sli...
by sambb
Wed Sep 02, 2015 12:15 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 111
Views: 6536

Re: Selling all equities, discuss why I'm wrong. :)

You are not wrong or right to sell equities. However, it is reflective on whether or not you are a strict boglehead. I am sure there are religions which offer similar dilemmas. In my opinion, if you sell high and buy low, then you are RIGHT because the bottom line for me is the financial "goal&...
by sambb
Tue Sep 01, 2015 5:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383442

Re: U.S. stocks in freefall

bull markets dont last forever, bear markets are inevitable. We already have had a correction. I wish i hadnt stayed the course and watched in go down 2000 points. But the philosophy here is to stay in during a bear market and rebalance. IF you can predict it, it is better to take it out during bear...
by sambb
Mon Aug 31, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37341

Re: Will you buy an Apple Watch?

I'm not personally interested in a smart watch at all, but for those of you who are this one seems like it has the least amount of compromises (spoiler, it's not Apple brand): http://www.wired.com/2015/08/samsungs-round-smartwatch-official-makes-calls/ To me the biggest added feature is that it can...
by sambb
Mon Aug 31, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37341

Re: Will you buy an Apple Watch?

Great story thanks for sharing. Similar to a iPhone or computer, everyone uses the apple watch in a different way. There is no "one way" to use this revolutionary product. I would recommend looking into some of the apps. Some have really changed the way i work. And with new ones every day,...
by sambb
Sat Aug 29, 2015 8:35 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37341

Re: Will you buy an Apple Watch?

I still can't find another watchmaker, that sold as many watches in its first 3-4 months of selling its very first product. So clearly by measures of sheer numbers, it has blown away all previous attempts to sell watches. I find that amazing to a company that is new to selling watches. Compared to ...
by sambb
Sat Aug 29, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37341

Re: Will you buy an Apple Watch?

Mine typically is at ~45% after a day's use. I get almost two days out of it. But as far as charging, one doesn't have to plug it into the watch. The charger works without a plugin into the watch. It is so very neat how it works. I use the watch for all sorts of things, and with new apps coming on b...
by sambb
Sat Aug 29, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: Prius owners and rest of Bogleheads
Replies: 33
Views: 2281

Re: Prius owners and rest of Bogleheads

can't go wrong with a prius, civic, corolla, accord, camry etc. these are all mainstream cars. the differences are interesting, but they are all a reasonable choice. i have owned all sorts of cars, exotics and hondas, toyotas and porsche. the basic mission of these common cars ensures that they meet...
by sambb
Sat Aug 29, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37341

Re: Will you buy an Apple Watch?

Nope i don't work for apple at all. Thats like saying that boglehead must work for vanguard. Anyway, i think the watch is designed for a certain person, just like a prius or a emerging markets mutual fund, or a international plane ticket. There are some products that are designed for a certain type ...
by sambb
Sat Aug 29, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37341

Re: Will you buy an Apple Watch?

Apple dropped the ball on this. Apple made the decision to make the watch useless without the iPhone in an attempt to force more people to buy the iPhone. Rightly or wrongly, Apple determined that they would generate more profits by using the watch to prompt people that don't currently use iPhones ...
by sambb
Sat Aug 29, 2015 3:21 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37341

Re: Will you buy an Apple Watch?

My husband bought one and returned it after two weeks. Apparently, you have to rotate your wrist to get the watch to light up and show the time. Annoying. He has a software company and originally thought it would be something along the lines of "cool" (my word, absolutely not his) but it ...
by sambb
Sun Aug 23, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: dont forget to tax loss harvest
Replies: 28
Views: 3023

Re: dont forget to tax loss harvest

How is TLH affeced by ST cap loss vs LT cap loss in a high bracket?
by sambb
Sun Aug 23, 2015 12:25 pm
Forum: Investing - Theory, News & General
Topic: What to do w/450K in cash?
Replies: 32
Views: 4302

Re: What to do w/450K in cash?

450k with a 5M portfolio?

I would definitely get on board for the four seasons private jet "timeless discoveries" journey.

I would probably buy a 911 GTS

And the remainder I would put in several loved ones' 529 plans

I don't see any mutual fund that would compare to the 3 above.
by sambb
Sat Aug 22, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: Should I want the market to go up or down?
Replies: 35
Views: 3807

Re: Should I want the market to go up or down?

Execellent post. I know several companies that went under and it affected the jobs of currently employed people also. People were out of work. Jobs were lost. For those who hope of stock market declines, there is a chance that one's job or bonus or other factors can be affected. Property values, ba...
by sambb
Sat Aug 22, 2015 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Gameplan for Investing 1m+
Replies: 35
Views: 4320

Re: Gameplan for Investing 1m+

lifestrategy moderate growth in tax deferred plan
Done.
No sense in complicating with different 3 fund portfolios, etc
In taxable, tax managed balanced

Simplicity.
by sambb
Sat Aug 22, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: Cheaper car for someone who enjoys cars?
Replies: 63
Views: 8532

Re: Cheaper car for someone who enjoys cars?

having owned just about everything, if you want a "driver's car" there is a difference between sports coupes/sedans and a true sports car. Get a porsche. Used boxster will barely depreciate a lot. If this is an extra "fun" car For a primary car, then you probably will be with a s...
by sambb
Sat Aug 22, 2015 7:40 pm
Forum: Investing - Theory, News & General
Topic: Should I want the market to go up or down?
Replies: 35
Views: 3807

Re: Should I want the market to go up or down?

Many people here seem to think that the stock market is completely independent from the underlying companies. For example: If I was just starting out in my career, I want a market crash (not one 3% down day, but a serious market crash that spans the next 20+ years) where my regular 401 contribution...
by sambb
Sat Aug 22, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: How does TLH work?
Replies: 23
Views: 1965

Re: How does TLH work?

How is TLH affected by ST loss vs LT loss?
by sambb
Sat Aug 22, 2015 7:33 pm
Forum: Investing - Theory, News & General
Topic: Should I want the market to go up or down?
Replies: 35
Views: 3807

Re: Should I want the market to go up or down?

I don't get the "hope it goes down" philosophy. I suppose some don't remember what happened to Japan. We have had a nice bull run for 5-6 years. Be very wary. Read the old BH threads from 2008-9. Several BH cashed out. And if the market had continued to go down (like Japan) and never recov...
by sambb
Sat Aug 22, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11268

Re: With Stock Market heading south

I would be very concerned. We have had a 5-6 year bull market. Has to end sometime. Im not changing my conservative 60/40 allocation, but I always have been near to age in bonds. I 'm not age-20 in bonds. So I feel ok with the downturn. I wouldn't be ok with it if i was age-20 in bonds.
by sambb
Sat Aug 22, 2015 4:40 pm
Forum: Investing - Theory, News & General
Topic: Good time for 50/50 portfolio Bonds/Equities?
Replies: 81
Views: 8656

Re: Good time for 50/50 portfolio Bonds/Equities?

nothing wrong with market timing -- you might be right. Or you might be timing your risk tolerance, not the market Based on your post, I would go 50/50 One's asset allocation can change over time depending on your risk tolerance. Your are not timing the market - you are timing your tolerance for ris...
by sambb
Sat Aug 22, 2015 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 13029

Re: Did a dumb thing [lump summed into market after sitting on cash for years]

I personally can easily see why it is not a wise thing to lump sum after the 5th-6th year of a bull market at the market high. I can see how DCA might have been better. Consider pulling back and slowly putting it back in as you are comfortable in regular timed intervals. There are a lot of people wh...
by sambb
Sat Aug 22, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Applecare+ for new iPhone?
Replies: 17
Views: 1403

Re: Applecare+ for new iPhone?

the iPhone's impact to my life, i value at 5000-20000 USD. The applecare is a cheap amount compared to the impact of the phone to my time, connectivity, and overall life experience. TO me, it is a no brainer to get it, after finding out how amazing the apple products are. That being said, i have no ...
by sambb
Wed Aug 19, 2015 12:31 am
Forum: Personal Finance (Not Investing)
Topic: How to spend more and not feel bad about it
Replies: 56
Views: 5760

Re: How to spend more and not feel bad about it

for the OP: I like to spend on nice cars, luxury hotels, new computers (please no windows! Happy to pay for macs)!, smartphones, etc. I never understood the multimillionaire who drives a 1999 camry and uses a flip phone If you are on track for retirement, then enjoy yourself and spend Who cares - yo...
by sambb
Sun Aug 16, 2015 10:02 pm
Forum: Investing - Theory, News & General
Topic: Are we headed into a difficult period? [Telegraph "Doomsday" article]
Replies: 25
Views: 3049

Re: How Do You Ignore Headlines Like This?

next crash, i am definitely buying a used sports car for the cheap after the crash. I want to upgrade mine, but waiting for someone who has to sell under duress. Always can find a silver lining
by sambb
Sun Aug 16, 2015 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced or LifeStrategy Moderate?
Replies: 17
Views: 2069

Re: Vanguard Balanced or LifeStrategy Moderate?

wellington = active management. I would avoid.

Between the other two, it is a flip of the coin. If you can't decide, put half your money in each. Then you might feel better.

In the end, it probably doesnt matter as long as you don't touch the money
by sambb
Sat Aug 15, 2015 5:31 pm
Forum: Investing - Theory, News & General
Topic: Why not diversify beyond the Three Fund Portfolio?
Replies: 78
Views: 7986

Re: Why not diversify beyond the Three Fund Portfolio?

agree with the OP - 3 fund interesting as a starting point but has its issues.
by sambb
Wed Aug 12, 2015 3:22 am
Forum: Investing - Theory, News & General
Topic: The Big AAPL and the S&P 500
Replies: 20
Views: 3081

Re: The Big AAPL and the S&P 500

apple - amazing products Apple computers have made me forget all of the microsoft woes. Their cost is a little more, but the savings in long term time and productivity are amazing. I would pay 10x the windows cost for a mac. Maybe 20x. Maybe 50x They add that much to productivity. Glad the stock ref...
by sambb
Sun Aug 09, 2015 5:27 pm
Forum: Personal Consumer Issues
Topic: Gifting Apple products, product upgrade cycles
Replies: 11
Views: 896

Re: Gifting Apple products, product upgrade cycles

Never a wrong time to buy if you NEED it now. Apple products add so much to productivity and their resale is amazing, so if you need it now then buy. On the other hand, if it is a Want rather than a need, then one could always wait.
by sambb
Sun Aug 09, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 11668

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

It is all relative. For me and my work and personal life, a smartphone adds so much value and makes me so much money. I would have no problem paying full price for an iphone and for the rate plan. I make so much more money on the device than the cost- in productivity, work bonuses, personal time sav...
by sambb
Fri Aug 07, 2015 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with a windfall
Replies: 10
Views: 1266

Re: What to do with a windfall

contribute some to everything. Hedge your bets. Never a wrong decision.
by sambb
Fri Aug 07, 2015 6:20 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29461

Re: Windows 10 Upgrade Freezes

if your personal time is very valuable, one could consider exchanging for a mac product. the time suckage of windows products can be irritating to some, and these sorts of delays are one of many reasons that i switched. If windows is essential, i find that buying a new computer with preloaded OS is ...
by sambb
Wed Aug 05, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 74
Views: 6454

Re: Buying a Rolex Watch

I've owned these mechanical watches in the distant past. They require regular maintenance at 500-800 a hit. They can be inaccurate. They look a little "70s". If you can get over those things then, yeah, it is a consumer item and it may give you pleasure. I thought they were odd in the mode...
by sambb
Wed Aug 05, 2015 5:41 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13797

Re: Would you look down on a co-worker for driving a beater?

if appearances don't matter, then would one look down on a coworker if they wore clothes that were 25 years out of style? Parachute pants or wide ties or other things? The fact is, appearances do matter to some, and may indicate a judgment issue in some cases. It is a complex area, and I am not conv...
by sambb
Wed Aug 05, 2015 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Have you ever encountered hostility because people think you're "rich"?
Replies: 71
Views: 5538

Re: Have you ever encountered hostility because people think you're "rich"?

There are plenty of rich people who give rich people a bad name, and did get there with questionable ethical means. Others would say that CEO pay and the pay of leadership is out of control. So, there are two sides to every story. Yes, hostility is out there.
by sambb
Wed Aug 05, 2015 5:32 am
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 128
Views: 13656

Re: $13 Million Goal for Early Retirement (am I crazy?)

Nothing wrong with wanting 13 million. A lot of people think that 1 million is way more than one needs, and plenty of BH have more than that according to the net worth survey. If your goal is 13 million, then go for it. Why not. Need good returns, good savings, and a good market. Also need good jobs...
by sambb
Tue Aug 04, 2015 3:26 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37341

Re: Will you buy an Apple Watch?

No way! Have no desire to even own a cell phone. I really hate the way cell phones and social media changed the world. People look like zombies always looking at their phones, people can't go out to dinner without posting things on Facebook instead of enjoying the dinner conversation. It seems like...
by sambb
Mon Aug 03, 2015 8:52 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37341

Re: Will you buy an Apple Watch?

No way! Have no desire to even own a cell phone. I really hate the way cell phones and social media changed the world. People look like zombies always looking at their phones, people can't go out to dinner without posting things on Facebook instead of enjoying the dinner conversation. It seems like...
by sambb
Mon Aug 03, 2015 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Close to 93% of portfolio in individual stocks?
Replies: 28
Views: 2534

Re: Close to 93% of portfolio in individual stocks?

I invest mostly in index funds with over 95% of my portfolio. However, i built my portfolio/net worth on stocks that did FAR FAR better than the S&P or vanguard total stock index, until i sold to pay off my entire mortgage. There is nothing wrong with buying a diversified portfolio of individual...
by sambb
Mon Aug 03, 2015 3:04 am
Forum: Personal Finance (Not Investing)
Topic: Physician Asset Protection
Replies: 35
Views: 3905

Re: Physician Asset Protection

Also, with the liability insurance, here's the thing to remember. If you get into a car wreck, that M.D. means MONEY to the schmuck who wants to sue you, no matter whether you're a LASIK surgeon making money hand over fist or a family practitioner barely able to make student loan payments. Buy a ca...
by sambb
Sun Aug 02, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 190
Views: 16152

Re: Convince me not to buy Porsche

I've had a lot of fantastic experiences in my 20s and 30s by blowing money on irrational things. If you have to go for the porsche, make sure it fulfills something that you can't get when are older. The things i blew money on as a younger person, fell into that category. In my 20s and 30s I spent a...
by sambb
Sun Aug 02, 2015 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Enough is enough
Replies: 51
Views: 15335

Re: Enough is enough

Spend more? yes.
by sambb
Sat Aug 01, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 190
Views: 16152

Re: Convince me not to buy Porsche

I've had a lot of fantastic experiences in my 20s and 30s by blowing money on irrational things. If you have to go for the porsche, make sure it fulfills something that you can't get when are older. The things i blew money on as a younger person, fell into that category.
by sambb
Fri Jul 31, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting a young adult from his money?
Replies: 27
Views: 3612

Re: Protecting a young adult from his money?

not a lot you can do. And my no means is this sort of thing limited to young people. Older ones can also have known cognitive decline that can result in irrational financial decisions. It can be a problem of any age.
by sambb
Fri Jul 31, 2015 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: All-in-one versus multiple funds
Replies: 7
Views: 705

Re: All-in-one versus multiple funds

I would do the life strategy fund and ignore the calls for a 3 fund portfolio. You will do just fine with no worries.
by sambb
Fri Jul 31, 2015 7:54 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 138
Views: 25267

Re: Netflix DVD delivery slowdown?

I am also surprised that DVDs are still happening - streaming is so nice, and can choose things instantly.

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