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Re: Tesla S

"so I found myself driving for 1.5 to 2.5 hours then stopping for 45 minutes to an hour to charge the car." This actually sound miserable to me. I would think the newness of the car/toy (meant in the best sense of the word) and your first time being in those particular locations added qui...
by sambb
Sat Oct 25, 2014 5:54 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 555
Views: 60561

Re: Time For Me to Kick Wellington Through The Goalpost of L

wellington = ACTIVE mgmt and different asset allocation
We could talk about active mgmt funds all day. There was a time when fidelity magellan was the place to be. And Janus. And Kaufman fund. etc etc.

I am not a fan of active management, but i used to be.
by sambb
Sat Oct 25, 2014 5:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 41
Views: 3962

Re: "I've had it" at work - how often

I am happy with my job 70% of the time. TO some that is terrible. However, I have looked around. People are out of work. The economy is not in great shape. People have had lives uprooted. I am thankful and appreciative that I have what I have. I recently traveled to asia. I am so glad I am in the jo...
by sambb
Sun Oct 19, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12351

Re: advice on a surface pro 3

Are there unresolved wifi issues? My research has led me to think this happens.
Any thought on i3 vs i5? I would use it only for MS office. Work environment.
by sambb
Sun Oct 19, 2014 6:54 am
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2554

Re: The Final, Definitive Thread on Rebalancing

Funny, but honestly, the thread isn't actionable. I think there are reasonable rebalancing questions, and I wouldn't want to dissuade someone from asking them.
by sambb
Sat Oct 18, 2014 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 24
Views: 1860

Re: Upgrading from Iphone 4s - 5s or 6?

As for an android phone, my one experience with one convinced me, I like the iPhone more. Form an IT perspective, I love the iPhone, the Fisher Price of smartphones. If you are bad at technology they are great smartphones and Apple in general. My wife, that has a mid level technology comprehension,...
by sambb
Sat Oct 18, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2258

Re: Upgrading from Iphone 4s - 5s or 6?

I have owned both and also top android brands
Apple "just works"
and the 6 is really a great phone.
by sambb
Sat Oct 18, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2258

Re: Anyone cancelling travel plans?

Wow. It seems that one is far greater risk of dying in a car accident, getting hit by a drunk driver. Financially, might be prudent to just stay at home if this is one's concern.
by sambb
Sat Oct 18, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6286

Re: Feeling very fortunate today!

nevermind the skeptics. i would work longer if you feel that you need to, for financial security.
Yes, the first few years are critical in retirement.
Everyone's situation and risk tolerance are different.
by sambb
Fri Oct 17, 2014 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6147

Re: advice on a surface pro 3

I am most concerned about the niggling reliability issues, which are fairly prominent on the surface forums. It seems frustrating to some users. Don't know if the value is there, if the tablet lacks reliability
by sambb
Fri Oct 17, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2554

Re: investing in bear market

With the bear market likely here, and with allocations to stock % dropping, should I invest new monthly savings (not rebalancing money) into the market to bring up my allocation in stocks, or should i invest it per my desired allocation (60/40), and then just reblance yearly to make in 60/40? We ar...
by sambb
Thu Oct 16, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2246

Re: investing in bear market

Wow, a lot of different responses The question mainly was - if I invest my money 60/40, do i continue to do that, or do i invest 100% stocks since we went down in stocks. It comes down to rebalancing yearly vs rebalancing with new money every time I have new money. What is the risk difference betwee...
by sambb
Thu Oct 16, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2246

investing in bear market

With the bear market likely here, and with allocations to stock % dropping, should I invest new monthly savings (not rebalancing money) into the market to bring up my allocation in stocks, or should i invest it per my desired allocation (60/40), and then just reblance yearly to make in 60/40?
by sambb
Wed Oct 15, 2014 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2246

Re: Why Are Expected Investment Returns So Low?

Absolute % of returns don't matter. What matters is "returns MINUS inflation rate" for the things that you intend on using money for.
by sambb
Wed Oct 15, 2014 6:42 am
 
Forum: Investing - Theory, News & General
Topic: Why Are Expected Investment Returns So Low?
Replies: 13
Views: 1668

Re: advice on a surface pro 3

I was all set to buy an i5, but then today i read on the forums that these tablets are unreliable and can "hang", need hard resets, and even have serious wifi issues. Those never happen on my iPad. Disappointed.
by sambb
Tue Oct 14, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2554

Re: Relatively new here. What did you do in 2008/09

This is why i like LS or target retirement funds - the allocation is rebalanced outside of you.
If you are in a 3 fund, but don't rebalance because of fears, then it can be an issue. Determine an allocation and stick with it perhaps.
by sambb
Tue Oct 14, 2014 2:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6873

Re: Sale of house-closing tomorrow, buyer is backing out

Things happen. Move on. Why fight it, lose, and be bitter. This is life.
by sambb
Mon Oct 13, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5081

Re: advice on a surface pro 3

The price for me is not the issue, as it is a corporate expense. Also, the use as a tablet is less important but i need to have the ability to take notes (one note) and use office seamlessly - office is a big deal. Ipads are great, but when I need to use hard core office - there is no subsitiute for...
by sambb
Mon Oct 13, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2554

Re: Headed for a 300+ point loss today?

if we are entering a bear market, the BH philosophy of "stay the course" will be inferior to getting out - provided you get back in at a low price
Too bad, we will only know after the fact. So, going to stay the course.

Have had good gains, so this is unfortunate..
by sambb
Mon Oct 13, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28451

Re: Buy a new car, or fix the old one?

i would get a new car if it isn't a financial burden. You've gotten a good value in nine years, and you can't take your $$ with you after you die. It would be reasonable to go with a new car or, even better, a 1 year old preowned one.
by sambb
Sun Oct 12, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2967

advice on a surface pro 3

Any advice for purchasing a surface pro 3? I use my pc exclusively for MS office and browsing the web, so apps aren't important. Portability is. i am not sure about which one to get. I already own an iPad.
by sambb
Sun Oct 12, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2554

Re: Losing money, please advise

You may continue to lose money, sometimes for years, if the stock market continues to go down. You may actually find yourself wishing that you waited before investing. This happens in market downfalls. You have to have faith that the market will eventually go back up. Sometimes that can take a long ...
by sambb
Sun Oct 12, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5021

Re: Paying extra on Mortgage vs Investing?

Pay down mortgage or invest? Hedge your bets - do a little of both. There are pros and cons to both sides, so take a little advantage and disadvantage to each side. Doesn't have to be one or the other. Can work on both to a lower degree.
by sambb
Sun Oct 12, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying extra on Mortgage vs Investing?
Replies: 18
Views: 2222

Re: Headed for a 300+ point loss today?

These threads on stock market declines lead me to believe that even though the BH philosophy is to stay the course, there certainly are a lot of market timers out there. In the crash in 08, i remember that there were old threads where a lot of people got out of the market, or regretted not getting o...
by sambb
Sat Oct 11, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28451

Re: Why choose a LifeStrategy Fund?

I easily could do admiral shares and 3 fund or 4 fund portfolio, but I much prefer the simplicity of life strategy funds in my tax deferred accounts. i like the constant allocation, and the lack of rebalancing issues. The extra cost is tiny for me compared to the incredible convenience and ease in a...
by sambb
Sat Oct 11, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3507

Re: is anything 'cheap' out there?

3 star hotels and vacations are cheaper than 5 star
In other words, seems like all is expensive - so the only thing in our control is our own spending.
You can get a large "pseudo-return" by just cutting spending and increasing saving with those monies - and it is a risk free return
by sambb
Fri Oct 10, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5501

Re: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rat

I don't see buffet lining up to buy a new home. I don't see why his advice is any better than any other active non-BH investor. I'm glad he's had a lucky run predicting the future as a stock and company picker. I wish I could be as lucky as him. Instead I will stay the course.
by sambb
Fri Oct 10, 2014 5:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rates
Replies: 77
Views: 8838

Re: Stock/Bond Allocation in VG Target 2050

Age in bonds works well. No matter what the age. People like to be aggressive at a market high. If the market goes down, you might wish you were more conservative.
by sambb
Thu Oct 09, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stock/Bond Allocation in VG Target 2050
Replies: 8
Views: 563

Re: Moving, Scaling Back, or both?

Most people making the kind of money you make work hard.
90% of americans would love to have your salary
you are successful
i wouldn't scale back
by sambb
Mon Oct 06, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving, Scaling Back, or both?
Replies: 14
Views: 1272

Re: Annual savings to taxes ratio?

it is impossible to compare between people, without knowing if the individual has a mortage or if the individual is paying for school loans, or if the individual is paying for college for kids currently. im sure there are other things also that need to be adjusted to compare people. Hence, the savin...
by sambb
Sun Oct 05, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Annual savings to taxes ratio?
Replies: 25
Views: 2264

Re: Critically Acclaimed Movies you did not like

boring:
english pt
shindlers list
all woody allen movies
hurt locker
capote
sideways
remains of the day
dances with wolves
by sambb
Sun Oct 05, 2014 6:38 am
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8033

Re: Road trip to Chicago with kids- what to do/recommendatio

field museum
navy pier
cab it in museum district
go to top of willis tower or john hancock building for a nice view
nike store is cool there
by sambb
Sat Oct 04, 2014 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 2522

Re: Should I (physician) get an MBA?

For the OP, your post asked whether or not the advanced degree is worth it. I would agree with other posters that more MD/admins are needed. Here is my experience with two MD administrators. The better administrator actually made far less money. I want to illustrate the differences as their behavior...
by sambb
Sat Oct 04, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 3590

Re: Should I (physician) get an MBA?

I work with several physicians/surgeons and hospital administrators in the C suite across several hospitals. I think that most physicians are excellent at being physicians, but are not necessarily good administrators. An advanced degree can help - but more importantly is the tolerance of meetings, t...
by sambb
Fri Oct 03, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 3590

Re: Total world stock index

agree with above
the expense ratio goes down every year or so on tis fund
it is very low to begin with
it is a great option
by sambb
Fri Oct 03, 2014 6:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2410

Re: Is there an "upper limit" on Boglehead theory?

i don't really consider warrens buffet as a good source - he is a stock picker, and who knows what sorts of things he does for his family's accounts, despite what he says. I don't think the BH philosophy has an upper limit, but i do think that the ultra rich can do complex tax and estate planning th...
by sambb
Fri Oct 03, 2014 4:40 am
 
Forum: Investing - Theory, News & General
Topic: Is there an "upper limit" on Boglehead theory?
Replies: 58
Views: 4151

Re: Buying more when markets are down

Maybe someone can help me understand. I am fully invested BUT People here say that market timing does worse than juts being fully invested. They point to data. But, certainly, there are times when the market goes down, and timing would work - waiting for a pullback. it is mathematically impossible t...
by sambb
Wed Oct 01, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 61
Views: 5156

Re: How to solve people who don't save enough?

I used to wonder if I am saving enough, and what an appropriate savings rate is, for my income. The problem on BH and other websites about savings rates, is that it depends on: Do you have a mortgage? 15 or 30 years? do you have kids? Do you have a spouse? Do you have any school debts or loans? Henc...
by sambb
Tue Sep 30, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to solve people who don't save enough?
Replies: 11
Views: 1247

Re: rebalancing conundrum/paradox/irony

So, if I am 60/40, is it best to just invest all new contributions at 60/40, and just rebalance once a year? Or is it better to rebalance with every contribution by buying the asset that goes down in allocation every time I have $$?
by sambb
Mon Sep 29, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 83
Views: 5153

Re: Help-Do I need a chip/pin card in europe?

Just back from europe. Sure major dept stores and hotels take credit cards. But I had difficulty in ATMs, restaurants, smaller places, even train kiosks without a PIN. I am still puzzled on how to do this. It is very different from 5 years ago.
by sambb
Mon Sep 29, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 22
Views: 1792

Re: Emergency room consent

Sure sure, yeah yeah, blah blah. Dr Schwartz, the pediatrician cited in the article stated even he did not understand which providers were in-network and which were out-of-network. I would assume he understands the things you state are important. FInancially, as a consumer, seems like the best way ...
by sambb
Mon Sep 29, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 3416

Re: Emergency room consent

Also, for those that haven't figured this out, doctors are not exactly lining up to take call at hospitals. They are usually forced to do it to maintain privileges at the hospital. Who else here regularly goes into their place of business to see a client they have never met, who may never pay them,...
by sambb
Mon Sep 29, 2014 6:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 3416

Re: Emergency room consent

it is wild that people here think that hospitals are able to provide doctors who are in network for specialty care 24 hours a day. Most doctors already work 60 hours a week on average, (not to mention the 80 hours as a resident). Where are hospitals supposed to find all of these doctors to be in-net...
by sambb
Mon Sep 29, 2014 5:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 3416

Re: Obese airline passenger

I'm a large man, but fit OK in a coach seat on many aircraft and have no way of fitting acceptably in a window seat on a crj. You pay for a ticket to get somewhere safely, not for a defined box of interior space. Assuming you got there safely then you got what you paid for. Most people suffer in so...
by sambb
Sun Sep 28, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4867

Good rubber covering for shoes in inclement weather?

What are a good brand of rubber coverings to walk in snow or rain with dress shoes from the parking lot to the office?
I need a pair that would have some traction and allow me not to slip in my dress shoes. I have slipped and nearly broken my back when my wet heel hit the ground or the stairs
by sambb
Sun Sep 28, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Good rubber covering for shoes in inclement weather?
Replies: 9
Views: 794

Re: favorite brand name products

Apple
Nike
Starbucks
Chipotle
Haynes
SiriusXM
Briggs and Riley
Allen Edmonds
Pepsi
Cascade
Kellogg
Heineken
Sandisk
Cathay Pacific
Jamba Juice
Gold Toe
Hertz
Google
Intel
Duracell
VANGUARD
by sambb
Sun Sep 28, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3003

Re: Will Investment Returns Ever Revert to "Normal"?

why is the numerical return important? Isn't the only relevant measure = numerical return adjusted for inflation?
If you have low returns, but low inflation, isn't that the same as a higher return with higer inflation?
by sambb
Sat Sep 27, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4487

Re: thoughts on my portfolio

Put it all into life strategy growth 80/20
Or into a target retirement with nearly the same allocation (2030)

After that, be happy with the simplicity. You likely will do better without tinkering.
by sambb
Sat Sep 27, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: thoughts on my portfolio
Replies: 5
Views: 663

Re: Answer to Most Physician/High Net Worth Questions:

seems accurate, one of my new friends who is a doc - she has 400,000 of school debt. so that plays a role
by sambb
Sat Sep 27, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2413

Re: Bill Gross moving from PIMCO to Janus, Monday

Folks, we don't know the truth and never will. But we can speculate. Let me ask you something. Why would a person who is 70 (that's 70) years old who is head of a firm and has been there forever and is supposedly worth 2 billion dollars, voluntarily leave to go to a firm who's value (according to B...
by sambb
Fri Sep 26, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10031
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