Search found 1150 matches

by sambb
Sat Feb 06, 2016 4:40 am
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 97
Views: 13362

Re: Active or Not, I Love Wellington

Is Wellington reverting to the mean? If I read the new annual report correctly. The fund has underperformed it's own benchmarks for the last 1, 3, and 5 years. I have always loved this fund and have held it for 30 years, but it appears that their active management decision-making is reflecting the ...
by sambb
Fri Feb 05, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: How do the very wealthy buy vehicles?
Replies: 4
Views: 680

Re: How do the very wealthy buy vehicles?

haggling over $500 is irrelevant if your time is more valuable. I am more than willing to pay extra for a car if I save time doing it Money is more limited than time in some cases My friend who is a CEO of a 7 billion dollar organization, picks the model, calls up, asks for a fair deal, and they del...
by sambb
Fri Feb 05, 2016 6:08 am
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 44
Views: 5395

Re: Recent Vanguard Trouble

Their IT department likely numbers in the hundreds, including tens of consultants. Anyone who has not seen the inside a high-volume trading system has no clue of the complexity here. I have seen the inside and that was precisely why I had to swallow it all when I decided not to ditch Vanguard becau...
by sambb
Fri Feb 05, 2016 6:04 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 84
Views: 3745

Re: Sibling's destination wedding?

I think it is fun to go out of the area and see different parts of the world. To do that, and see a loved one get married? Why not. Seems like a win-win. There was a thread sometime recently about what somebody does after they retire. So many people wrote that they wanted to travel. Why not travel w...
by sambb
Wed Feb 03, 2016 2:40 am
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 44
Views: 5395

Re: Recent Vanguard Trouble

I hope vanguard understands that this is not acceptable and they improve. I don't see how this is ok if it happens to you. Is there a flaw? Do they need a consultant to examine their IT? Is there a safety/security/modernization issue? I don't know, but why not investigate as a company and find out?
by sambb
Sat Jan 30, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15598

Re: Unwinding day old terrible car deal for mother-in-law

you can complain to the dealer. An attorney might cost you more than the amount you are trying to save. If she has control of her finances, and went with a friend, I am not sure much can be done if this is the deal she negotiated. I understand that you might be upset with the dealer, but also this m...
by sambb
Sat Jan 30, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 40
Views: 6230

Re: I got let go yesterday

I think it is unlikely that the company failed. I think it is much more likely that this wasn't the right fit. Lesson learned. Pound the pavement for opportunities. Corporate "fit" is very difficult.
by sambb
Fri Jan 29, 2016 7:00 am
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 29
Views: 2389

Re: Regret of selling winning stocks early

Yes it would have been financially better to keep the stock Unfortunately, (as with relationships, marriages, children, careers, etc.) it is impossible to predict. Indexing is great, but won't beat the right stock picking. Hard to get it right though for decades and decades. I hit it big on two stoc...
by sambb
Wed Jan 27, 2016 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bought a bunch of stocks today
Replies: 42
Views: 4136

Re: Bought a bunch of stocks today

funny how some think this is market timing. Every investment one can make is timed at some time or another. Congrats to the OP for buying now instead of at the market peak. Sam, we merely need to divorce "investing" and "trading". If the OP was trading, then I could understand. ...
by sambb
Wed Jan 27, 2016 9:48 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 123
Views: 6023

Re: perfectly happy with cable

didn't know people still watched cable instead of streaming. Thanks for the thread. The article from the washington post was interesting. Cable and newspapers seem quite dated.
by sambb
Wed Jan 27, 2016 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bought a bunch of stocks today
Replies: 42
Views: 4136

Re: Bought a bunch of stocks today

funny how some think this is market timing. Every investment one can make is timed at some time or another. Congrats to the OP for buying now instead of at the market peak.
by sambb
Wed Jan 27, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Most anticipated retirement purchase
Replies: 107
Views: 6969

Re: Most anticipated retirement purchase

I read this thread and find it quite melancholy. I am so glad I blew money and traveled while I was in my 20s and 30s, and also bought a nice car. This thread convinces me to spend more now rather than save so much for retirement. I would rather work for an extra year or two, and enjoy a lot of thes...
by sambb
Wed Jan 27, 2016 10:11 am
Forum: Investing - Theory, News & General
Topic: Why doesn't Vanguard stay the course?
Replies: 44
Views: 5614

Re: Why doesn't Vanguard stay the course?

individual investors also tweak it. Look at all the threads during bear markets. So the idea that every boglehead can stick to a plan perfectly is false. at least with vanguard, i feel that experts are involved and the overall changes arent a big deal to my overall plan. Stay the course sounds great...
by sambb
Tue Jan 26, 2016 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Did the bears eat my retirement? - Sequence of Returns Risk
Replies: 70
Views: 5886

Re: Did the bears eat my retirement? - Sequence of Returns Risk

If you need more money you either have to work longer or cut expenses. The More the market goes down the more you have to work or cut. It is easy to talk about retirement at the top of a bull market. Harder in a long bear market. You are correct that market timing could have helped and it might stil...
by sambb
Mon Jan 25, 2016 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Should we do what our FA advises?
Replies: 52
Views: 3447

Re: Should we do what our FA advises?

crazy to listen to this advisor. Put the money into a target retirement fund and relax for tax deferred. Do not ever speak to that advisor again.
by sambb
Mon Jan 25, 2016 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: for slice and dicers - anyone moving into Em Mkt or HY?
Replies: 31
Views: 2156

for slice and dicers - anyone moving into Em Mkt or HY?

I don't really need a response from those who invest in total stock or total bond funds. Anyone looking at high yield funds and adding? Emerging markets? Both are downtrodden possibly.
by sambb
Sun Jan 24, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9095

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

Its very possible that your father in law is correct and the market will go down alot. It might not be wrong advice. I dont know and no one does. Yes the market tends to go up over time, and yes one can;t time the market. We also have had a bull run for 5years and seen a lot of volatility. Why not j...
by sambb
Sun Jan 24, 2016 6:44 am
Forum: Investing - Help with Personal Investments
Topic: How bad off are we?
Replies: 24
Views: 3743

Re: How bad off are we?

would sell the home and invest/rent a very modest place, cut expenses.
by sambb
Sat Jan 23, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5375

Re: What was the 2000 crash like in real time?

bought a house from someone who lost everything in the enron scandal. luckily i had invested in apple later and paid it off. Thanks goodness I wasn't into indexing at the time.
by sambb
Sat Jan 23, 2016 5:12 pm
Forum: Investing - Theory, News & General
Topic: Getting stuck in an Asset Allocation you don't want
Replies: 37
Views: 3308

Re: Getting stuck in an Asset Allocation you don't want

all of the threads on issues like this show me that AA is prone to so much human fiddling. I keep it with target retirement or lifestrategy, well worth it. PEople here talk about the higher expenses, but calculations on the returns themselves show it is irrelevant. An easy way to go (esp in tax defe...
by sambb
Sat Jan 23, 2016 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Am I hurting myself by saving too much? (re: college funding)
Replies: 104
Views: 6700

Re: Am I hurting myself by saving too much? (re: college funding)

I don't spend too much time on the forums but I find the tone of some of your posts kind of prickly ?rude. I thought the original poster asked a valid question and I didn't get a sense of over entitlement from the post, it's a fair question and fair concern. That being said college in many ways is ...
by sambb
Thu Jan 21, 2016 9:23 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as a buying opportunity?
Replies: 31
Views: 2304

Re: Is there such thing as a buying opportunity?

tons of opportunities to buy and sell - rebalancing is timing with risk tolerance
by sambb
Tue Jan 19, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7879

Re: Retiring and people seem to aviod me

I disagree with the envy or jealousy. People come and go. Business and work relationships are often based on business or work. When people are retiring, I may be concerned about their replacement, not the individual who is leaving. I don't feel any ill will for the person retiring, but I may also ne...
by sambb
Mon Jan 18, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: I can sleep at night but it is on my mind a lot
Replies: 60
Views: 3364

Re: I can sleep at night but it is on my mind a lot

despite all of the logical advice here, I am sure it is tough to retire in the beginning of a potential big bear market. Changing allocation, and working 6 months to be more comfortable is not an unreasonable emotional solution while you become secure in the decision.
by sambb
Sun Jan 17, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Bank of America disses older clients
Replies: 24
Views: 2486

Re: Bank of America disses older clients

Don't take it personally. Lots of surveys that target specific demographics. ditto. i like b of a, always gave me good service. i am glad they want to serve populations better and learn about them, regardless of what the populations are. to me, a survey like this is positive. companies should reach...
by sambb
Sun Jan 17, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Service
Replies: 11
Views: 1588

Re: Opinion on Vanguard Personal Advisor Service

Rifampin - interesting med choice. I think 60/40 S/B or 50/50 is a good place to start to get comfortable. People will recommend a higher stock allocation, but that is silly until you are used to the ups and downs. Avoid the jitters. Do a 60/40 mix and be comfortable or a 50/50. With your income, yo...
by sambb
Fri Jan 15, 2016 10:33 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 126
Views: 11730

Re: I'm Calling an Emerging Markets Bottom

This might be one of those great lifetime investment opportunities. The callan tables are suggestive of a low also. Hmmm..
by sambb
Wed Jan 13, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for the future vs you only live once
Replies: 72
Views: 7821

Re: Saving for the future vs you only live once

Saving is important However, I am SO glad that i blew money in my 20s (went to europe, road trips with friends, dating, other spontaneous activities). I can't do those things now with the same care free spirit. But NO amount of money would replace the memories and experiences I had. I don't get the ...
by sambb
Wed Jan 13, 2016 8:52 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 6240

Re: What would you tell your 25 yr old self?

Definitely don't save a few thousand dollars in lieu of going to europe or going on dates or road trips with friends. Cant do it any other time in your life with the same experience. A few thousand dollars in the bank is irrelevant compared to those experiences. So glad I had those experiences inste...
by sambb
Wed Jan 13, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: Bonds in Taxable?
Replies: 17
Views: 1644

Re: Bonds in Taxable?

i disagree with the wiki for a variety of reasons
I have no problem with bonds in taxable, esp with tax exempt bonds and a high tax bracket
There are other several reasons also
by sambb
Wed Jan 13, 2016 3:50 am
Forum: Investing - Theory, News & General
Topic: Sharing Advice from meeting with High Level Vanguard Advisor
Replies: 61
Views: 8050

Re: Sharing Advice from meeting with High Level Vanguard Advisor

"high level" advisor
Interesting use of terms, don't see anything beyond basic advice here that I have heard from "low level" advisors. Why is this "high level" - I wonder.
by sambb
Tue Jan 12, 2016 8:55 pm
Forum: Investing - Theory, News & General
Topic: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS
Replies: 78
Views: 8863

Re: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS

Teh skepticism is interesting, and no, one cant predict or time the market. However, we have had a good bull run for several years, a bear market is inevitable at some point, and there is nothign wrong with taking some money off the table and changing allocations since the run up. You may be older, ...
by sambb
Mon Jan 11, 2016 10:51 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Fund vs S&P 500 Index
Replies: 19
Views: 2299

Re: Target Retirement Fund vs S&P 500 Index

your question and its content assure me that a one fund portfolio is your best bet with a target fund.
more complexities are overrated for new investors
by sambb
Mon Jan 11, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Incorporating your home into networth calculation
Replies: 100
Views: 4211

Re: Incorporating your home into networth calculation

Home is definitely part of net worth.
It can be sold and money collected.
Don't see why it is more complex than that.
by sambb
Mon Jan 11, 2016 8:29 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 3988

Re: Can someone simplify the Asset Location debate?

Asset location simplified: ⋅ Try to max out your tax-advantaged accounts with something. ⋅ If you want to invest in REIT's or high-yield bonds (and I personally would not), do it in tax-advantaged or not at all. ⋅ If you want to invest in municipal bonds, do it in taxa...
by sambb
Sat Jan 09, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: I just lost $200,000 last week. Please help me.
Replies: 82
Views: 13726

Re: I just lost $200,000 last week. Please help me.

I would definitely move, immediately to a one fund portfolio. I would use tax managed balanced in taxable, or LS conserve growth in tax deferred When i see stories like this, it convinces me more and more that even the 3 fund portfolio is not necessarily good for new investors who need to get used t...
by sambb
Tue Jan 05, 2016 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Readjust from Target Fund 2050 to 3 Vanguard Fund Portfolio?
Replies: 11
Views: 1250

Re: Readjust from Target Fund 2050 to 3 Vanguard Fund Portfolio?

I would not move it. No way. IMHO 3 fund is overrated compared to one fund simplification in a retirement account at a young age. You won't need to tinker with it. You will be fine with this if you can stick it out. If you are questioning a 3.5% decline with a few thousand dollars, I think that a 3 ...
by sambb
Mon Jan 04, 2016 7:17 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7941

Re: frustrating to keep investing in international/EM

This might be a great time to balance into EM
I nibbled a little today.
by sambb
Sat Jan 02, 2016 7:13 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7941

Re: frustrating to keep investing in international/EM

On this website I hear about diversifying globally all year long except now that the year is up it seems that a lot of the global stock holders are having second thoughts and this is definitely emotions rising to the surface and entering into the previous well thought out investment decisions by bu...
by sambb
Sat Jan 02, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7941

Re: frustrating to keep investing in international/EM

I love reading the dismissal of international. This indicates to me, that on monday I should increase my allocation to EM and Intl. Looking it to outperform. I have traveled the world and there is little doubt in my mind that other countries are better at manufacturing a variety of things and growin...
by sambb
Thu Dec 31, 2015 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: A dead year, never get it back
Replies: 84
Views: 7242

Re: A dead year, never get it back

OP has some points
We could go sideways for a long time
It has happened before

Maybe a good time to be in Emerging mArkets? They have been down for awhile
Callan table will be interesting this year

Cant predict the future. Hope we go up. Bull market is getting long. Who knows.
by sambb
Wed Dec 30, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: What is the appropriate tip at Starbucks on Christmas morning?
Replies: 76
Views: 4754

Re: What is the appropriate tip at Starbucks on Christmas morning?

Tip? At Starbucks? No. Never. Dude, seriously? Surely your jest. No, surely I do not. Why would I tip at a fast food place? I'm already paying $4.50 for a cup of coffee. They person behind the counter had to say hello and then push a button. What exactly is so above and beyond that I should tip the...
by sambb
Tue Dec 29, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth
Replies: 57
Views: 5969

Re: Net Worth

there is usually a yearly survey on net worth,, coming soon I bet
by sambb
Sun Dec 27, 2015 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Newbie Help
Replies: 10
Views: 742

Re: Boglehead Newbie Help

I would be simple as you start out, and you will do fine if you desire a 80/20, i would put all retirement assets into lifestrategy growth, which is 80/20 set it and forget while you learn - the difference in expense ratio is meaningless over a 3-4 years then adjust into individual funds (3 fund/4 f...
by sambb
Sun Dec 27, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize my car to save money?
Replies: 30
Views: 2296

Re: Downsize my car to save money?

It depends on how you are going to invest the difference. Let's say the difference is 12500 Let's say that you invest $11000, and you decide that you are going to rebalance into emerging markets Lets say the index doubles next year Then you are doing well It all depends on the investment you choose ...
by sambb
Sat Dec 26, 2015 7:37 pm
Forum: Personal Consumer Issues
Topic: What is the appropriate tip at Starbucks on Christmas morning?
Replies: 76
Views: 4754

Re: What is the appropriate tip at Starbucks on Christmas morning?

Tip on Christmas holiday - that strikes me as perhaps not completely inclusive. Theoretically there are several other religious holidays, and should one tip on those I wonder. I dont know the religion of any worker when I walk into a place of business, and I dont intend to ask. It is complicated, I ...
by sambb
Fri Dec 25, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: New Laptop -- Christmas present for me
Replies: 53
Views: 4593

Re: New Laptop -- Christmas present for me

great laptop and purchase I have found that apple products save me so much time and increase my productivity, that i think their value is more than 10x their value compared to a windows device for me - making it a great value purchase in my experience. So far beyond other manufacturers. And the trac...
by sambb
Fri Dec 25, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6418

Re: 2016

stainlessworks wrote:I vow to spend $50K to buy my dream car which is better than waiting until I'm old, bald, and a quarter in the grave like most guys I see driving their "toys."

nice!
by sambb
Fri Dec 25, 2015 8:58 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 4817

Re: My Christmas Gift to You

give peace a chance - peace on earth

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