Search found 1325 matches

by sambb
Wed Dec 07, 2016 3:25 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 5901

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

i would not even take the trip with the child, so that is a cost savings. If taking the trip, i would do business class for all.
by sambb
Mon Dec 05, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 44
Views: 2849

Re: Fidelity or Vanguard

Long term vanguard person here. Totally unimpressed with their IT and service and considering moving all to fidelity. Cheapness shows through. Nevertheless I respect their efforts.
by sambb
Sun Dec 04, 2016 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 145
Views: 13636

Re: Retirement with $8M in investments

Take all your money (if in taxable) and put it into all into vanguard tax managed balanced fund. Then read this forum for one year - two years. Dont move or take any drastic life changing actions, just see how it goes. You will be fine. Dont worry about others who may have differing opinions on weal...
by sambb
Sat Dec 03, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 77
Views: 8285

Re: Amazon Prime Getting Stingy?

rarely if ever have a problem with prime. quick service and great timing. no wonder it is so popular. i wish vanguard had as good service in their IT
by sambb
Sat Dec 03, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: What value should my 401k be at age 54?
Replies: 18
Views: 3261

Re: What value should my 401k be at age 54?

401k balance should be less important than total net worth, which is also dependent on lots of things.
I have read that about 5x-6x income is reasonable for net worth. It is highly variable though.
by sambb
Wed Nov 30, 2016 4:26 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6082

Re: Should I buy a new car for safety's sake?

Would definitely buy for the safety features. They are great. Theres more to life than saving money.
by sambb
Sun Nov 27, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 215
Views: 20670

Re: What is your favorite consumer product?

its not apple marketing, its about ROI. Cost is only one factor, ROI is the value that i look at.
by sambb
Sun Nov 27, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6646

Re: Why does the car dealer say leasing is cheaper than buying?

Leasing can definitely be cheaper than buying. Depends alot on individual car reliability, lease deals, etc. It is not a "one size fits all". It depends on a lot of factors.
by sambb
Sat Nov 26, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 215
Views: 20670

Re: What is your favorite consumer product?

A few products come to mind, and have saved me so much time, avoided grief, and helped me in my job 1. Apple iphone- I would easily pay 10-100x the price given its ROI in my life 2. Blind spot monitor on car - has saved me a few times 3. MS Office/Outlook - amazing compared to less robust options fo...
by sambb
Sat Nov 26, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 83
Views: 29638

Re: Honda CRV or Subaru Outback?

just bought a 2017 outback great deals to be had, and easily acquired This car is a wonderful car. I have owned all the top european marques. This subaru is a great value. Not worried about it going 100k miles. Lets see how it holds up. I am impressed that it drives sort of like a car, but it is as ...
by sambb
Thu Nov 24, 2016 7:30 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 183
Views: 14241

Re: Retreat to cash

to the OP: yes, it is reasonable to take money off the table. we have had a long bull market, and the risks may be higher than after a bear market. So, if your risk tolerance has changed, then yes, it is reasonable. Do it if that is your assessment. if the market falls, your risk tolerance might cha...
by sambb
Tue Nov 22, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Invest now or in January?
Replies: 21
Views: 1389

Re: Invest now or in January?

i would have considered averaging in over 3-6 months, so you understand your risk tolerance. Good luck,.
by sambb
Tue Nov 22, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 3931

Re: How Much Housing Payment Can a Boglehead Afford?

The questions posed are difficult to answer. let me throw out some philosophical questions that may affect home affordability. 1. Do you intend to buy nice cars also> 2. do you intend to save for kids colelge also? 3. do you have any debt already> 4. Do you need to live close to work 5. what about s...
by sambb
Mon Nov 21, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Guys Long Weekend
Replies: 11
Views: 1204

Re: Guys Long Weekend

Vegas
by sambb
Sun Nov 20, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 79
Views: 3965

Re: Fountain Pens - Do you use one?

I used and collected plenty of fountain pens from a top pen houses. After awhile, i determined that they were clunky, not as reliable, easy to lose, and not a good use of money for me. However, if they give you joy, go for it. I used to have nice watches also, but sold them off. an iphone and a comp...
by sambb
Thu Nov 17, 2016 11:51 pm
Forum: Personal Consumer Issues
Topic: Where to get iPhone screen replaced
Replies: 23
Views: 1490

Re: Where to get iPhone screen replaced

I would order a new 7 and sell old 6
by sambb
Sat Nov 12, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Accord hybrid
Replies: 2
Views: 446

Accord hybrid

Anyone with experience with the 2017 model?
by sambb
Sat Nov 12, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Experience selling car to Carmax?
Replies: 32
Views: 2643

Re: Experience selling car to Carmax?

Have sold to Carmax. Good experience. Saves time. I like the process.
by sambb
Sun Nov 06, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: BMW X5 M - Should I buy?
Replies: 46
Views: 4104

Re: BMW X5 M - Should I buy?

Having owned all makes and models form toyota hybrids to german cars to italian supercars, I will say that the driving experience in a less powerful cayenne or cayenne gts, or better yet, a macan S or gts, is the way to go if you want a "high performance" SUV. However, i also think you cou...
by sambb
Sat Nov 05, 2016 7:53 pm
Forum: Personal Consumer Issues
Topic: BMW X5 M - Should I buy?
Replies: 46
Views: 4104

Re: BMW X5 M - Should I buy?

would definitely choose a 2016 cayenne cpo car (100k warranty) over the X5M
by sambb
Sat Nov 05, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 104
Views: 9894

Re: Which state to move for milder weather

the humidity in NC (and roaches) is worse than the snow in Michigan to some people, caveat emptor
Overall this is a personal decision, and i would recc renting for a year wherever you go
by sambb
Sat Nov 05, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Can My Husband Quit Work at 40 Based On Our Current Investments?
Replies: 16
Views: 4205

Re: Can My Husband Quit Work at 40 Based On Our Current Investments?

I think it would be important to learn resiliency, in case things change financially, if one quits. There are far more stressful jobs out there. Consider sticking it out for a few more years
by sambb
Tue Nov 01, 2016 4:53 am
Forum: Personal Consumer Issues
Topic: Which new phone is the Best Buy for the money
Replies: 35
Views: 3138

Re: Which new phone is the Best Buy for the money

iphone is amazing, love the new model. Would gladly pay 10x its cost, as it saves me so much time and enhances my productivity in personal and professional life. Its ROI is great for me. I had far less ROI when i used android. I also love the big screen on the plus versions.
by sambb
Mon Oct 31, 2016 7:11 pm
Forum: Personal Consumer Issues
Topic: Rationale for doctors' offices not booking >6 months ahead?
Replies: 26
Views: 2682

Re: Rationale for doctors' offices not booking >6 months ahead?

A "no show" affects the entire community because someone else might have needed that slot, and instead had to go to the ER, or something like that.
Makes a lot of sense to not book appointments that far ahead.
by sambb
Sat Oct 29, 2016 2:59 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett(himself) has never invested in an Index fund, WHY?
Replies: 32
Views: 3970

Re: Warren Buffett(himself) has never invested in an Index fund, WHY?

warren buffet is stock picker, glad to see he was lucky and did well.
by sambb
Sat Oct 29, 2016 2:58 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 6573

Re: Barron's article: Get ready for sub-5% returns

Could always cut spending by a small amount to save more. Its the best way to get a risk-free return. And get along with people at work, to enhance job security.
by sambb
Wed Oct 26, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Will the market go up or down after the election?
Replies: 24
Views: 2428

Re: Will the market go up or down after the election?

first two years after an election, market doesnt do as well as last two years.
nevertheless, who knows
by sambb
Sun Oct 23, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 57
Views: 3907

Re: First time Maui vacation - where to stay?

I would do wailea. Grand Wailea, Four Seasons or kea Lani. All great.
by sambb
Sat Oct 22, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 6087

Re: Cheapskate for not flying business class?

I am more than happy to pay for business class. It all depends on how you want to spend your money. On the other hand, no matter what my net worth, I would rather work than go on a cruise. Different people like different things. Some love cars, some like nice dinners, and some get the most enjoyment...
by sambb
Tue Oct 18, 2016 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: credit card rejections - related to ? tax returns
Replies: 3
Views: 399

credit card rejections - related to ? tax returns

I was the victim of someone filing a tax return in my name. I have great credit. I was rejected for 2 credit cards. This has never happened. Could it be some result of the tax issue? What is the best process to figure this out.
by sambb
Tue Oct 11, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Is this ER bill normal (medical billing)
Replies: 64
Views: 4661

Re: Is this ER bill normal (medical billing)

seems like a bargain to ask for the care to rule in or out a life threatening condition. lets say instead that the diagnosis was meningitis, and the same exam saved the life of the child. would that be worth $700 for the same work? Or is saving the life only worth $100 or $200? People may more for a...
by sambb
Sat Oct 08, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Camera recommendations- Not SLR
Replies: 52
Views: 3712

Re: Camera recommendations- Not SLR

i would consider the iphone 7 plus camera. half the issue is being at the moment
by sambb
Sat Oct 08, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 109
Views: 13420

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

There can be myopic views here. Sometimes you have to look the part. Nice suits and a clean average car that is ok.

Looking the part is important in some jobs.
by sambb
Sat Oct 08, 2016 2:52 am
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 7172

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

to the OP - yes luxury cars are worth the money to me Dont care that they are less reliable I have had all sorts of nice cars - porsche bmw etc also have had accords and camrys Comes down to this - is dinner out with friends at a nice restaurant worth the money? You can eat ramen noodle at home in a...
by sambb
Thu Oct 06, 2016 5:19 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my beat up car?
Replies: 69
Views: 4594

Re: Should I upgrade my beat up car?

a new-ish honda accord or camry is never the wrong answer in your situation. never.
by sambb
Tue Oct 04, 2016 9:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 13548

Re: Where is Livesoft?

c. I dont know how to define trolling or not, but a lot of posts are locked even if they dont seem trolling. NEverhtheless, it seems very odd that this one isnt locked, but good luck to those looking for this individual, and best wishes to others. Strange thread?
by sambb
Tue Oct 04, 2016 9:00 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 928
Views: 145010

Re: Tesla S

But, as a practical matter, I seldom go more than 250 miles in a day, and charging at home is fine. Yes, this is true for most people... I'm coming around to liking the idea of electric cars more and more (especially as the ranges increase). But there's a big difference between, "Oh most peopl...
by sambb
Mon Oct 03, 2016 9:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 13548

Re: Where is Livesoft?

Surprised this isn't locked. Not actionable??
by sambb
Mon Oct 03, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Routers!! are driving me crazy
Replies: 33
Views: 3365

Re: Routers!! are driving me crazy

once i switched to apple products, these frustrations went away. I like the apple airport products.
by sambb
Mon Oct 03, 2016 8:34 am
Forum: Investing - Help with Personal Investments
Topic: help starting fresh from years of financial disaster
Replies: 24
Views: 2854

Re: help starting fresh from years of financial disaster

Pay off your loans
Invest in your 401k if you have one
Do not, do not overspend or raise your lifestyle
Get a new reliable car when your old one fails you - a new accord - as making it to work reliably is critical for a MD at that income level
by sambb
Sun Oct 02, 2016 8:54 pm
Forum: Investing - Theory, News & General
Topic: why not just buy BRK
Replies: 85
Views: 7789

Re: why not just buy BRK

i dont know how many hundreds of millions or billions of investors there are in the stock market. Surely, one would get lucky by stock picking. In this case ,it is Warren Buffet, but it was statistically going to be someone. No different than winning the powerball. if so many tickets are bought, som...
by sambb
Sun Oct 02, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is Private high school in the good school district worth investing?
Replies: 78
Views: 6833

Re: Is Private high school in the good school district worth investing?

i went to public school as did my wife. We both went to top colleges (Ivy and Duke). Not even close though - I will gladly pay for private for my kids. Dont care if i have to retire later to do it.
by sambb
Sun Oct 02, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: Desktop vs. Laptop Computer
Replies: 56
Views: 4431

Re: Desktop vs. Laptop Computer

odd herein, that people talk about upgrading computers.. can buy a pretty good desktop or laptop for 600-900 dollars. Pick one. It is disposable at regular intervals. Sure someone will point out how they spent 50$ on an upgrade and their computer lasted a few more years. Great, i am happy to spend t...
by sambb
Sun Oct 02, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17239

Re: Net Worth Milestone Today - $1.5M

some people start with a head start with $$, others start with a head start with morals, others with ethics, others with family, others with all sorts of things (geography). Just because someone had college paid for, etc., doesnt mean they have the other tools to become rich. Worldwide, most america...
by sambb
Sun Oct 02, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Going from Total Int Market to Developed + Emerging Markets
Replies: 23
Views: 1702

Re: Going from Total Int Market to Developed + Emerging Markets

total international is nearly the same % in japan as all emerging markets combined. I dont like the fund for that reason.
by sambb
Fri Sep 30, 2016 4:10 am
Forum: Personal Consumer Issues
Topic: What to do with a 1st Gen iPad?
Replies: 7
Views: 1342

Re: What to do with a 1st Gen iPad?

donate it or pitch it
by sambb
Thu Sep 29, 2016 2:54 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 51
Views: 7504

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

Im glad i dont listen to his advice, he is 86 and is a stock picker, and his advice could be suspect for a variety of reasons. 90/10 seems way off to me.
by sambb
Sat Sep 24, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: has anyone leased a luxury/sport car to get it out of their system?
Replies: 44
Views: 3629

Re: has anyone leased a luxury/sport car to get it out of their system?

Yes and bought also and it was awesome. Would def spend the money on it

Net worth and no debt?? No brainier. Buy lease whatever. Enjoy yourself. No doubt.

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