Search found 336 matches

Return to advanced search

Re: Is 1800s stock market data even relevant?

im not sure that market data from the 1980s is relevant..
by sambb
Tue Apr 22, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Is 1800s stock market data even relevant?
Replies: 53
Views: 2168

Re: Warren Buffett

i don't see how he has any relevance There are 20-50 million investors in the USA Someone has to get lucky and be the best No different than hitting the lottery Sure, he has done well, but is it really skill or luck? He is a legendary investor, but i have no idea how much has been a string of good l...
by sambb
Tue Apr 22, 2014 12:01 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 2238

Re: How is your Tax-Advantage Portfolio Different?

I am somewhat skeptical of the data to put bonds in tax deferred. For me, MUNIs yield more, effectively, than taxable bonds also, roth is the nest to inherit - so i want it to grow more and faster - so more stocks in roth lastly, we have no idea what capital gains taxes or income taxes will be in 20...
by sambb
Mon Apr 21, 2014 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: How is your Tax-Advantage Portfolio Different?
Replies: 17
Views: 1023

Re: Mr. Money Mustache: Hero or Foolish?

does he ever state how much he makes form the blog? I don't live like he does, but i admire his ability to help low-middle income people save more and spend less. we need more of that
by sambb
Mon Apr 21, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 249
Views: 27305

Re: suggestion for awd luxury sedan

volvo's us sales are way down, we have lost a dealer in my area, and the brand has become smaller. i like the s60, great lease deals on it too. but keep the dealership issues in mind.
by sambb
Sun Apr 20, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3482

Re: looking at the 3 fund approach....2.3% 5 yr return ???

for people who don't quite understand the 3 fund - i would recc putting money into target retirement, life strategy, or tax managed balanced. you'd be just fine. everything else is more subtle.
by sambb
Sun Apr 20, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking at the 3 fund approach....2.3% 5 yr return ???
Replies: 19
Views: 2353

Re: If you have ACA health insurance, what is your experien

i know of a few top doctors that stopped taking the plans. will be interesting to watch what happens. then again, i know of some top docs that have opted out of medicare also
by sambb
Sun Apr 20, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 139
Views: 5872

Re: Frugality regret: What thing do you regret not spending

I regret renting for 10 years from age 20-30, when i could've bought a small condo and made money on it. Or at least broke even. That cost me a lot. I regret not buying the regular honda or toyota, instead of more exotic cars that broke down and cost more money. I regret that I didn't buy a few nice...
by sambb
Sat Apr 19, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14310

Re: *poor* Bogleheads

intersting post by the OP. Whether I allocate money a certain way, or leave any to my children, one thing is for sure: It didn't come from a wealthy aunt or uncle. I earned it myself by working very very hard, and harder than most of the people around me. There is some underlying perception that the...
by sambb
Fri Apr 18, 2014 4:57 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5328

Re: suggestion for awd luxury sedan

Car and driver has a great review on the diesel A7, it states that it takes 60,000 miles to make up the cost differential.. Anyway, i drove a few of the cars this evening. Overall, the most solid of the cars is the E350 4matic The best interior is the audi. I still think the lexus is the most reliab...
by sambb
Wed Apr 16, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3482

Re: Net Worth Survey, 2014 Edition

Is the line a "best fit line" on the log scale?
by sambb
Wed Apr 16, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 18669

Re: Most solid small car

C class - but wait for 2015 update. Better yet, buy a 1-1.5 year old CPO e350 4matic, for a really solid all around machine for a similar price.
by sambb
Tue Apr 15, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Most solid small car
Replies: 25
Views: 3144

Re: suggestion for awd luxury sedan

will do. I think my position differs from some others, because I already have my "fun" sports car for the weekends, and i have mission critical timing issues with being at work. Although i reside in a moderate climate (it does snow from nov-jan or feb however), i am very concerned about sa...
by sambb
Tue Apr 15, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3482

Re: suggestion for awd luxury sedan

Great suggestions. I will look for an A6, one year old, or an S6. I keep them for about 4 years, so that should work. I am encouraged by the notes. Thanks again.
by sambb
Tue Apr 15, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3482

Re: suggestion for awd luxury sedan

EQUUS is out. I don't need more than the genesis. I am going to closely look at the A6, reliability concerns me, but it seems like a good car.
by sambb
Mon Apr 14, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3482

Re: suggestion for awd luxury sedan

I found the tesla to be totally underwhelming, my friend and a family member have one. Sure it is neat to have a large display and it is sort of neat to have electric But it has limited safety features - no blind spot monitor for example (has saved me numerous accidents) -- it did well in safety cra...
by sambb
Sun Apr 13, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3482

suggestion for awd luxury sedan

Fuel economy isn't important to me Safety features (blind spot monitor, frontal collision) is important to me Must have excellent braking system luxury features are important cost is less important I am considering a broad range: MB E350 4matic Subaru legacy/outback New 2015 hyundai genesis BMW 528x...
by sambb
Sat Apr 12, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3482

Re: Financial question about a Doctor’s Visit

Patients should consider checking with their insurance company. Even the same companies have different plans that have different requirements. No one can know everything. It is hard enough to take care of medical problems.
by sambb
Wed Apr 09, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial question about a Doctor’s Visit
Replies: 77
Views: 3674

Re: Car recommendations - Mazda6, accord, Prius

hyrbids are great - have great mileage with city driving
if your drives are >85% highway, a 4 cylinder accord is perfect for you
by sambb
Tue Apr 08, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 1787

Re: Why so many Bond funds

they are collecting the fees. agree. nuts.
by sambb
Mon Apr 07, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why so many Bond funds
Replies: 6
Views: 615

Re: Anyone else very reluctant to buy right now?

I agree with the OP, the market appears overvalued. But, i continue to invest as I have no idea if it will correct or if it won't. I have a target asset allocation, and I stick to that allocation I wouldn't be putting money into stocks if my allocation was off, and my stock % was too high. I would r...
by sambb
Mon Apr 07, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12140

Re: Firecalc says I will be 100% successful but ...

This is an interesting topic The spending and saving issue is particularly interesting. Let's say that there is a massive bear market, or a huge dip in the economy. It may be that you are less likely to go on nice vacations or buy that nice car It also is possible that your income would slide So, i ...
by sambb
Mon Apr 07, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Firecalc says I will be 100% successful but ...
Replies: 13
Views: 2300

Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

I did the two cars thing. Overall, i find it far better than the one higher priced option. There is flexibility that is nice.
by sambb
Mon Apr 07, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 2506

Re: Buffett hasn't beaten the market regularly since '07

There are millions of investors. Someone had to get lucky and hit the right stocks. No different from winning the lottery, etc. Hard to separate brilliant from lucky. Probably takes a little of both. I really don't follow Buffet, and consider him largely irrelevant to the average investor. Of course...
by sambb
Sat Apr 05, 2014 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett hasn't beaten the market regularly since '07
Replies: 20
Views: 2421

best way to freeze and monitor credit?

I think we are the victim of identity theft. What is the best way to freeze and monitor credit?
by sambb
Sat Apr 05, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: best way to freeze and monitor credit?
Replies: 2
Views: 297

is this a scam green dot card

[Thread merged, see below. --admin LadyGeek]

My wife received a green dot card in the mail. It states that it replaces a temp card. Is this a scam? We never ordered one.
by sambb
Sat Apr 05, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unsolicited Green Dot Card
Replies: 6
Views: 795

Re: Two Years Free Toyota Service

Yes, that happened to me. But the service only cost me $42.
by sambb
Fri Apr 04, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Two Years Free Toyota Service
Replies: 8
Views: 753

somoene filed a return with my spouses SSN?

My accountant called and someone has filed a tax return with my spouses SSN. We are working through this - have to file by paper now, but does this mean that I need to freeze credit, etc etc etc
Is this identity theft? Any advice on what I should do?
by sambb
Fri Apr 04, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: somoene filed a return with my spouses SSN?
Replies: 22
Views: 1779

Re: Mr. Money Mustache: Hero or Foolish?

I like MMM's concepts for saving and getting out of debt. I am not a huge fan of his early retirement philosophy, but maybe that means i am a workaholic who consumes too much. I am curious how much he makes from his blog, as I can't find that he has ever told this to anyone. Although I don't follow ...
by sambb
Wed Apr 02, 2014 11:32 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 249
Views: 27305

Re: Mr. Money Mustache: Hero or Foolish?

How much does he make from his blog? Is he transparent about that?
by sambb
Wed Apr 02, 2014 4:44 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 249
Views: 27305

Re: Tax-free growth vs. keeping all bonds in tax-advantaged

-muni bonds yields throw off the "bonds in tax deferred" -Roth IRAs with stocks can grow and have some advantages for passing on to your heirs - No one knows what tax rates will be (cap gains rates in particular) in the future, so can't guarantee stocks is better in taxable, or anything fo...
by sambb
Fri Mar 28, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-free growth vs. keeping all bonds in tax-advantaged acct
Replies: 19
Views: 1292

Re: If you could have only one fund, what would it be?

Life strategy mod growth

I don't get the whole wellesley and wellington thing - active management. Don't get that.
by sambb
Fri Mar 28, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 124
Views: 20907

2 variable annuities - annuitization issue with consolidatio

I have 2 annuities with vanguard variable annuity program I wanted to consolidate them into one. The annuity rep told me that if I consolidate, one of the annuities currently will offer 4% upon annuitization, and that would drop to 2.75% since that is the annuitization of the receiving contract if I...
by sambb
Fri Mar 28, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 variable annuities - annuitization issue with consolidatio
Replies: 2
Views: 283

Re: The Boglehead Car -- What is It?

To me, safety is important, as is efficiency. If you go to tesla boards, they tout how it is the safest car out there. I find that discourse to be ridiculous. Safety in a crash test implies that you are in a crash. What about crash avoidance? The blind spot monitor in my 30k car has saved me from MA...
by sambb
Fri Mar 28, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 10509

Re: Want to trade car for Small SUV: Financially good, bad,

After owning several BMWs, i will say that owning one out of warranty is a often a very expensive option. On the other hand, I have gotten lucky as well. My advice is to get the honda.
by sambb
Thu Mar 27, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Want to trade car for Small SUV: Financially good, bad, wash
Replies: 26
Views: 1958

Re: Options for the medical grad but no residency

You should think hard about supporting whatever she is deciding. There is more to the story that you haven't told us. However, it would be an extremely bad decision financially to complete med school, presumably accumulating a huge debt load, and not at least do a one year residency. With that you ...
by sambb
Sun Mar 23, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7167

Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

As someone who has bought in the past, and may lease in the future, i have a few comments. 1. All cars over 20-30k are luxuries. Maybe even that # is too high. The point of the car is to get you reliably from point a to point b, and most family sedans can do that in that price range. 2. Lease vs Buy...
by sambb
Fri Mar 21, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 2935

Re: How did you decide how much to save?

I find parts of this thread to open up questions. When people say they save X% of gross, is that all income? MAGI? When people say they save x% of net - is that net of taxes, or taxes and expenses, or deductions? Do people have children or a mortgage or any debt? Is paying off a home equivalent to s...
by sambb
Fri Mar 21, 2014 5:28 am
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

I have always bought, and have owned several high end european cars, and several reliable japanese family sedans.
I often get bored and switch cars ever ~3 years
For this reason, I calculated - I either need to keep cars for 6 years or lease every 3 years. Its that simple.
by sambb
Thu Mar 20, 2014 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 2935

Re: Options for the medical grad but no residency

Without work experience, medical pursuits are going to be very poor opportunities. She could become an entry level researcher. If she can't handle med school (from a motivational standpoint), then there is no way she would be able to handle any residency. Period. However, I know a few MD/MBAs that d...
by sambb
Thu Mar 20, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7167

Re: Will upcoming rise in interest rates affect your AA?

rise in interest rates already happened. can't time the market. stay the course.
by sambb
Wed Mar 19, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Will upcoming rise in interest rates affect your AA?
Replies: 30
Views: 2070

Re: is leasing better for my situation

I read the NYT piece.
The issue is NOT leasing every 3 years vs buying every 4-6 years!
The issue is leasing every 3 years vs buying and trading every 3 years. Period.
Not interested in keeping a car longer than 3 years. That option is not on the table.
Thanks
by sambb
Wed Mar 19, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: is leasing better for my situation
Replies: 4
Views: 353

is leasing better for my situation

I buy cheaper cars, that are well within my means, this is after a hx of buying all the expensive brands/ I tend to trade every 2-3 years. Not because i need to, but rather for personal preference. I don't buy expensive cars - I buy family sedans, etc or sporty coupes that are low end german models,...
by sambb
Wed Mar 19, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: is leasing better for my situation
Replies: 4
Views: 353

Re: What premium items are least worth it?

bottled water, cable tv, hi end stereos, watches (love them, but no), alcohol at dinner, jewelry, expensive wallets, hotel suites, gambling in hi limit area, any car over 60k (tesla, bentley, amg benz), and hi maintenance spouse. and i've had all of these, enjoyed them, but regret their lack of value
by sambb
Mon Mar 17, 2014 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 5651

Re: Roth or traditional 401(k): what would you choose?

Ive done a little of both. Roth is a hedge against any future tax issues. regular is a hedge against today's rates. I want to diversify my tax risk, so I do both. I did roth for a few years, now I am back in traditional. I will switch back in 2-3 years again.
by sambb
Sun Mar 16, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth or traditional 401(k): what would you choose?
Replies: 11
Views: 728

Re: Was frugality a mistake? The downsides of saving too mu

Before this gets too ugly-- I agree that there is a group of people that wants to hang out with a financially successful person - male or female on both sides. Most people have not read the millionaire next door, so they don't know about the cars, etc which are purchased by less wealthy people. The ...
by sambb
Sun Mar 16, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8814

Re: Was frugality a mistake? The downsides of saving too mu

Having money helped me in the dating pool, no doubt But having an education and being successful and confident got me past the first date. Frugality can be overkill. Each person has a different threshold. That being said, I am in the 39.6% tax bracket and I drive a used car also, bought with 20k mil...
by sambb
Sat Mar 15, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8814

Re: Tesla S

it is financially questionable that one could say, add >30k to the price of a gasoline car to account for maintenance, gas, and tax credit, What about the fact that the 32k could be invested in the s&p 500? Teslanomics are manipulated by the fans. It also doesn't account that after 10 years, the...
by sambb
Thu Mar 13, 2014 6:24 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 431
Views: 38378

bond ltd term vs intermediate switch

I have a 20 year time horizon. This post concerns my taxable acct only. I have half my bond allocation in ltd term tax exempt, and half in intermediate term tax exempt. Obviously over 20 years, intermediate term should be preferred, as the higher interest rate should matter. Is there any reason to n...
by sambb
Sun Mar 09, 2014 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: bond ltd term vs intermediate switch
Replies: 2
Views: 356

Re: Anti-virus for Mac?

our corporate filter receives mac viruses. It intercepts them. Macs are vulnerable, and updates correct the flaws. But there are flaws and issues can happen.
by sambb
Sun Mar 09, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 3584
Next

Return to advanced search