Search found 951 matches

by sambb
Mon Jul 27, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: TLH in emerging markets
Replies: 3
Views: 218

TLH in emerging markets

Anyone TLH on emerging markets? I have some in an emerging markets fund. Considering TLH. What do you think.
by sambb
Sun Jul 26, 2015 6:09 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16813

CSID website from US govt for having - credit monitoring

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

I received an letter via us mail from the office of personnel mgmt that there was a cybersecurity break in, and that I could enroll at CSID for identity theft. The website appears legit. Is this a legitimate offer, or is it a scam?
by sambb
Mon Jul 20, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: Wellesley Fund lagging?
Replies: 5
Views: 1094

Re: Wellesley Fund lagging?

actively managed fund.. there are better choices if you are into that
by sambb
Sat Jul 18, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 37
Views: 6530

Re: A retiree's personal experience...

experience may differ if one retires at height of a bull market, and then there is a severe downturn
by sambb
Mon Jul 13, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4537

Re: Having Trouble buying big ticket item

Disagree, I have less and less problem spending money if I can afford the item and if I am on track for retirement. I have bought sports cars, etc etc. I still save 40% of my income. I am not going to drive a 1999 camry either. I am on track for retirement. I recently even splurged and got a suite a...
by sambb
Sun Jul 12, 2015 8:49 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7149

Re: No dipstick on a new Audi engine!?!!

deleted
by sambb
Sun Jul 12, 2015 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Where are people putting their investment money if they see a correction coming in US stock market
Replies: 69
Views: 7539

Re: Where are people putting their investment money if they see a correction coming in US stock market

with all of your wealth, i would put it all in tax managed balanced or life strategy mod growth and just relax for the next 10 years and learn. You will do just fine if you can ignore all of the other more complex advice both here and from other advisors, and just stick to a nice 50/50 or 60/40 allo...
by sambb
Sat Jul 11, 2015 8:29 pm
Forum: Personal Consumer Issues
Topic: Quebec City Suggestions
Replies: 14
Views: 1249

Re: Quebec City Suggestions

would reconsider and stay at the chateau for a magical time
by sambb
Sat Jul 11, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7149

Re: No dipstick on a new Audi engine!?!!

All newer cars have gone to a lot more sensor based info and displays but at some point you get to diminishing returns in terms of complexity. Since about 2012 BMW, Mercedes, and Audi have been designing and building cars that just to start and run normally rely on a lot of technical integration of...
by sambb
Tue Jul 07, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14751

Re: Convince me not to buy Porsche

If you HAVE to have the porsche, buy it now, get it out of your system, and sell next year. It will cost you 10k to make the round turn but sometimes you have to just do it.
by sambb
Tue Jul 07, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8491

Re: Worst financial book you have read (or will admit you have read)

there are a few books on financial lessons based from major historic religious texts I find these books to be tedious. I am not going to name the books so I can be sensitive to people's religious views, and this is not meant to be a religious comment at all, i have no problem with organized religion...
by sambb
Sun Jul 05, 2015 10:19 pm
Forum: Investing - Theory, News & General
Topic: How many Bogleheads tilt Value?
Replies: 49
Views: 3313

Re: How many Bogleheads tilt Value?

i tilt a little -- don't really care what bogle thinks of it. I see little downside in tilting.
by sambb
Sun Jul 05, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investing lump sum
Replies: 25
Views: 1974

Re: Investing lump sum

i wouldn't invest lump sum at an aging bull market with Greece uncertainty.
I would invest over 3-12 months.
It is a nice transition.
by sambb
Sun Jul 05, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: How Should I Invest My Non-Retirement Money?
Replies: 37
Views: 4232

Re: How Should I Invest My Non-Retirement Money?

i would likely urge caution with the wiki on tax efficient fund placement, because no one can tell me what tax rates will be in 20 years when you retire. There is a reason that wiki has disclaimers at the top I would put your taxable in a tax managed balanced fund or a 50/50 mix of vang intermediate...
by sambb
Sat Jul 04, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Jetta Sportwagen Question
Replies: 42
Views: 3937

Re: Jetta Sportwagen Question

i've always been intrigued by the TDI wagen
Would love to hear reviews from other BH
by sambb
Sat Jul 04, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: Eating Out
Replies: 57
Views: 6839

Re: Eating Out

I have no problem with blowing money on dinner, sports cars, trips to vegas, whatever - as long as one has their retirement goals met. I find it interesting when people worry about the expense ratio of 0.2 vs 0.1%, as long as one's savings goals are met. I also have no problem with going to starbuck...
by sambb
Fri Jul 03, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 3744

Re: Buying a new desktop computer

We switched to a MacBook Pro this year. We have been using many Apple products over the past few years and slowing were transitioning to all Apple products. By far, the best products we have ever used. So easy and to quote Steve Jobs "They Just Work". I was amazed by how much more product...
by sambb
Fri Jul 03, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 91
Views: 10597

Re: Best albums of 2015

drake's is really good, along with ASAP Rocky. Streaming of course is the way to go, so hard to listen to an entire album. I like Tay's 1989 if you are going old and listen to the entire thing, and kendrick also. Both better than some of the old stuff.
by sambb
Fri Jul 03, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 92
Views: 10060

Re: financial adviser told me not to invest too much in 401k

run away from this advisor. Put your money in life strategy moderate growth while you learn and decide what to do. at 60/40 you are fine while you learn.
by sambb
Fri Jul 03, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 3744

Re: Buying a new desktop computer

would go with a iMac. Resale value is amazing on macs compared to pcs. The time you will save in the long run is amazing once you learn OSX. Unlikely you will turn back, as productivity is amazing. Windows is cheaper but a poor value. And, it is great with an iPhone also. It just works.
by sambb
Fri Jul 03, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: MacBook Air - power issues
Replies: 16
Views: 2107

Re: MacBook Air - power issues

apple service is great - take it to the store
by sambb
Thu Jul 02, 2015 8:54 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24459

Re: When saving money becomes an irrational obsession

A friend of mine always refuels his car at cheapest gas station in town. I, OTOH, refuel at whichever top-tier gas station that is convenient for me. He may save a dollar or two each time, but I don't see how one can get rich that way and it does not make sense to (sometimes) drive across town in o...
by sambb
Tue Jun 30, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: What do you do to reduce your "need" expenses?
Replies: 27
Views: 1731

Re: What do you do to reduce your "need" expenses?

I enjoy my iphone. It saves me so much time. In my life there are plenty of ways to save money. However there are far fewer that save me money and time and bring more happiness. To me it is bigger than the dollar amount.

I like learning from these threads.
by sambb
Tue Jun 30, 2015 11:21 am
Forum: Investing - Theory, News & General
Topic: Emergency Portfolio with 30% Stocks
Replies: 33
Views: 2195

Re: Emergency Portfolio with 30% Stocks

One of the worst financial mistakes I have made is keeping an emergency fund in money market. I could have been far better off investing the money I have sizable assets in taxable accounts for a real emergency that can be sold off in days The emergency fund concept to me seems more applicable for lo...
by sambb
Mon Jun 29, 2015 1:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1397
Views: 276734

Re: U.S. stocks in freefall

Sooner or later the bull will end. Is this the time? Could be. Or maybe not.
Hope it isn't. Would like to keep my profits.
by sambb
Mon Jun 29, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 9727

Re: dow futures down 200+ points

Yes, I index most accounts, and I have half in target retirement dates Nevertheless, It is nice to speculate if this tired bull run is coming to an end. We will find out soon. I am sure when it does, I will regret that I didn't sell at the top. Nevertheless, I'm not smart enough to figure it out. Ho...
by sambb
Mon Jun 29, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4780

Re: Travel to Greece

I wouldn't go based on the total of news
by sambb
Sun Jun 28, 2015 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's your net worth break down? What's ideal?
Replies: 44
Views: 6801

Re: What's your net worth break down? What's ideal?

There is no "ideal" as it depends on housing, whether or not one has student loans, and whether or not one intends to pay for college for one's own kids. If you have a net worth of 500k, but intend on paying for 3 kids to go to college starting in 2 years, then your net worth is frankly mu...
by sambb
Thu Jun 25, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14751

Re: Convince me not to buy Porsche

Contrary to the sometimes BH opinion that comes up in car threads - not everyone with a BMW or Porsche is wasting their money. Some consider it enjoyment, regardless that it costs more than a 1999 camry. Same for private schools or a nice home. You can't take the money with you past the grave. There...
by sambb
Tue Jun 23, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14751

Re: Convince me not to buy Porsche

It is possible to save more money for retirement and give up expenditures in your 20s. On the other hand, my frivolous spending in my 20s gave me experiences that would be meaningless in my 40s. Yes, the porsche is frivolous. Is the experience worth the expense? I one time went to europe for a week ...
by sambb
Tue Jun 23, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14751

Re: Convince me not to buy Porsche

I have had all sorts of cars, incl a porsche GTS Remember this, it is super fun to have a porsche in your 20s. It is awesome. It may cause your financial goals to be behind, but there is no substitute for a sports car as a young gentleman. I blew money in my 20s - trips to vegas, dates, vacations, s...
by sambb
Mon Jun 22, 2015 9:43 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 14517

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

I do both. I own 10 rental properties, as well as the property management company that operates them. I consider this an active business vs. a passive portfolio of stocks and bonds. The return on the rentals is a bit higher -- about 20% ROE once you put a little leverage on them to goose the return...
by sambb
Mon Jun 22, 2015 6:34 am
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 14517

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

There are several ways to make money Real estate, alternative investments, etc are all possible As long as you know what you are doing. That's all that matters. I made a ton of money in apple stock, when the first iphone came out, i bought in, and saw on CNBC how blackberry carrying financial analys...
by sambb
Sun Jun 21, 2015 2:30 pm
Forum: Personal Consumer Issues
Topic: Rear ended another vehicle
Replies: 11
Views: 1760

Re: Rear ended another vehicle

i would report. new safety things on cars can now prevent these accidents. dash cam can also be helpful for liability
by sambb
Sun Jun 21, 2015 2:28 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24459

Re: When saving money becomes an irrational obsession

to each his own.. it doesn't make sense to me to have millions of dollars in investments, but drive an old camry or a fit. But it makes sense to some.. can't figure that out
by sambb
Sun Jun 21, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: How is this AA for a 25 year old?
Replies: 19
Views: 1308

Re: How is this AA for a 25 year old?

Everyone in a bull market seems to say that they will stay the course. I would put all into life strategy growth and wait 10 years before splitting it in the 401k. If you can stomach the ride for 10 years, then you are set. And you won't do much better than this fund, but you can do a whole lot wors...
by sambb
Sat Jun 20, 2015 10:27 pm
Forum: Investing - Theory, News & General
Topic: Does the tax efficiency of fund placement depend on your time horizon?
Replies: 24
Views: 1856

Re: Does the tax efficiency of fund placement depend on your time horizon?

i think the wiki is misleading. but there are disclaimers now in it, which help. no one knows what tax rates and cap gains tax rates will be in 20 years, so the exercise is worthless. Also no one knows the after tax spread of munis vs regular bonds over time. I do not follow the mantras and assumpti...
by sambb
Sat Jun 20, 2015 6:46 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 10265

Re: Free Windows 10 Upgrade, Yes or No?

abuss368 wrote:We moved everything to Apple the last couple of years. No interest in ever moving back to Windows. Apple's products are so easy and they just work!

+1000
by sambb
Fri Jun 19, 2015 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Saving vs Spending in Retirement ~
Replies: 30
Views: 4934

Re: Saving vs Spending in Retirement ~

It is notable to read a thread in which people say to spend money, and there are countless others against spending on a luxury car, and recc to keep a 10 year old Camry When I blew money in my 20s on dates, travel, partying, it was a heck of a lot more fun. Spend in retirement, but also spend along ...
by sambb
Thu Jun 18, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: diesel luxury cars - any owners?
Replies: 11
Views: 1791

diesel luxury cars - any owners?

Any owner of MB or BMW diesels? E250 or 535d in particular? How do you like them? Preowned now, these are fairly good deals compared to new. With gas prices lower, this may be a direction i head, but looking for feedback on likes and dislikes.
by sambb
Thu Jun 11, 2015 3:30 pm
Forum: Personal Consumer Issues
Topic: NYC saturday workspace cost effective
Replies: 2
Views: 305

NYC saturday workspace cost effective

Hello, i have to spend a few saturdays in NYC (midtown), in meetings until 11 am, but have the rest of day to work before a late flight home. Are there any potential workspaces I could pay to work, or suggestions? Need wifi of course. I tried a few coworking places, but they want to interview me, et...
by sambb
Sun Jun 07, 2015 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 53
Views: 4395

Re: Healthcare cost - Office Visit established patient

The cost seems a little higher than normal, but not unreasonable. To remove a ticks from a house, it would cost us more than that. I can't imagine it would be cheaper to have someone attempt to remove them from the human body and take all the risk and liability, and expertise. Yes, it seems a little...
by sambb
Sun Jun 07, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 398
Views: 32633

Re: Will you buy an Apple Watch?

I am so impressed with the reviews and capabilities, and this is only a first generation product. Just like the first iPhone, there were skeptics. I can't wait to get mine, and get the next few generations. Another amazing niche product by apple. Will be fascinating to see how apps and the next gen ...
by sambb
Sat Jun 06, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 82
Views: 8606

Re: Thoughts on Federal Employment

I worked for the federal govt for a few years. The work was ok.

I felt i outgrew the place in 2 months. Someone told me to stop being so productive and smell the roses after my second month.

I respect our public workers, maybe i was in the wrong office.
by sambb
Tue Jun 02, 2015 10:34 pm
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 11377

Re: why do some people like Fidelity?

I'm a vanguard person, but fidelity's customer service is so far superior in my experience. Jack Bogle and his team could learn from them. We have a fidelity office here in my town, and when i walk in there, they are so helpful it is unbelievable. Vanguard doesn't get everything right in comparison.
by sambb
Mon May 25, 2015 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Allocation with large holding in single stock
Replies: 34
Views: 2618

Re: Allocation with large holding in single stock

apple has blown away the s&p Dumb? Hardly The company isn't going anywhere (like bankrupt) Yeah, it will be volatile. Yes, it might have some bad times. But dumb? No, it has made them rich. The analogy that this is enron - is laughable. Yes, it isn't diversified. Yes, it carries some risk. Yes, ...
by sambb
Sun May 24, 2015 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 3335

Re: At what point does 529 make sense

i have funded a 529 with some money. I hope that my kids don't need the money, or i can help them in other ways. When they get married and have kids, I can switch the 529 to the grandkid. Therefore, will grow 30-35 years tax free rather than 10 -15 years. Just a thought. DOnt know if this is possibl...
by sambb
Sat May 23, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 88
Views: 6841

Re: Prom budget for teenage girl?

never mind
by sambb
Wed May 20, 2015 4:15 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 93
Views: 16128

Re: What to do with 5M?

never mind
by sambb
Wed May 20, 2015 4:10 am
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 10076

Re: How much can I spend on a car?

kmedina, It looks like you have decided to spend 20-25K on a car. I think you can definitely afford the payments comfortably as long as you continue to live with your parents during the payment years. When I was in my mid 20's on a $50K/yr salary I too bought a luxury CPO car. It was an Audi. Just ...

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