Search found 1747 matches

by sambb
Thu Nov 23, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs target fund
Replies: 15
Views: 1288

Re: 3 fund vs target fund

There was a post sometime in the last that showed the expense ratio didn’t matter. The performance was the same overall
by sambb
Thu Nov 23, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 28
Views: 1685

Re: Why does everyone keep increasing their international stock %?

I see no problem with the new international allowances. I am glad I am investing in other places. Makes sense to me.
by sambb
Wed Nov 22, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds or Money Market?
Replies: 12
Views: 1173

Re: Bonds or Money Market?

my intermed tax exempt bond fund is up > 4% year to date, which is over 5.5% tax equivalent yield.
Dont see why i would cosinder MM
by sambb
Wed Nov 22, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 136
Views: 7522

Re: Help DW gets fired, but then next day her boss offers her job back

I would chalk this up to people are human, and business is tough sometimes and owners make mistakes. If she likes the job, take it back. If she takes it back, but this has "tainted" the relationship, then it is probably not worth going back (in the long term). On the other hand if everyone can just ...
by sambb
Wed Nov 22, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 30
Views: 1554

Re: How difficult and expensive to add a new bathroom?

I can see the cost being 10-15% of the cost of the home additional, at least, depending on square footage and plumbing issues. A tiny tiny half bath may be much much less
by sambb
Tue Nov 21, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Are you your own worse enemy when it comes to investing?
Replies: 34
Views: 2205

Re: Are you your own worse enemy when it comes to investing?

I think the biggest part of being one's own worst enemy is "not realizing that you should invest in yourself". Sure, mutual funds are great, but i have spent money on myself to gain skills - the ROI has been tremendous. I wonder if BH would rather have me in a three fund portfolio. Savings rate, and...
by sambb
Sun Nov 19, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed and seeking advice for my mother
Replies: 16
Views: 1930

Re: Overwhelmed and seeking advice for my mother

LS conservative growth, make sure to save some of the earnings for taxes. Thats it.
by sambb
Sun Nov 19, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10710

Re: The valet smashed my Tesla into a brick wall!

In addition to diminished value you should also consider the depreciation of the car if it is in the shop for six months waiting for parts. Here's where I might be able to help. I would think that a Tesla forum would have information on availability of parts and repair techniques and manufacturer r...
by sambb
Sun Nov 19, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 136
Views: 12749

Re: The fear of retirement, black swan, and math to dissuade the fear.

great point about holding money elsewhere than vanguard. I am astonished at their IT and customer service issues that people report here. THis points to a leadership issue usually. Thanks for pointing out that this is preventable by putting funds in more than one place.
by sambb
Sun Nov 19, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 20
Views: 1000

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

Thanks to the OP - so refreshing to hear from someone who is thinking beyond a 3 fund portfolio and offering different and potentially better options for us to consider. Interesting thread!
by sambb
Sun Nov 19, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for the final months of work
Replies: 50
Views: 3497

Re: Planning for the final months of work

i would get rid of edward jones
by sambb
Sun Nov 19, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 136
Views: 12749

Re: The fear of retirement, black swan, and math to dissuade the fear.

health insurance and future uncertainty related to it, is a major reason to keep working. so might as well find a job that one likes! I really like mine - the key is understanding the mission of the company, not one's own goals. To me, the most worrisome black swans are vanguard IT failure, internat...
by sambb
Sun Nov 19, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 360k for an old man
Replies: 30
Views: 2969

Re: What to do with 360k for an old man

target retirement income fund
by sambb
Sun Nov 19, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: The 4% rule DOES fail but still makes sense!
Replies: 175
Views: 12155

Re: The 4% rule DOES fail but still makes sense!

doesnt any rule depend on inflation rates? 4% may not be adequate if inflation goes to 4%?
by sambb
Sun Nov 19, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10710

Re: The valet smashed my Tesla into a brick wall!

We had a family member with a tesla that had MINOR fender bender, and it took 6 months to even get the parts. Please keep us updated on how long it takes to get parts. There are numerous posts on multiple forums about how cars languish for a long time waiting to be fixed. Would be nice to know if te...
by sambb
Sat Nov 18, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: 35 yr-old doc needs some wisdom
Replies: 49
Views: 10817

Re: 35 yr-old doc needs some wisdom

M cars are awesome - I would enjoy that car, you earned it! Way better than a civic.
by sambb
Sat Nov 18, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 27
Views: 2744

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

sometimes, the costs savings isn't worth it - you get what you pay for.
I'd move on to another pair.
by sambb
Sat Nov 18, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1459

Re: Hyundai Elantra Special Edition- any thoughts?

i would get civic, accord, or preowned other model (camry, prius)
Not a hyundai
by sambb
Sat Nov 18, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 151
Views: 11720

Re: Is holding bonds now dangerous?

Bond funds do NOT always go down when interest rates go up. IN fact sometimes they also go up in value. Dont know why people think that. Just like stock prices do not always go down if a company releases an earnings report that they lost money. It is all about expectations in the free market. Ive re...
by sambb
Mon Nov 13, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 207
Views: 17383

Re: Why NOT make more money?

What about the following: Need 100k/year, so desire to have 2.5M (4%) withdrawal. Lets say right now in 2017, i hit 2.5M,so I could retire. Great. Instead, lets say that i didn't check my balance. And we hit a bear market. And my 2.5M is now 2.0M at 2.0 M in 2018 (after bear market) - my 4% won't gi...
by sambb
Sun Nov 12, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5702

Re: The Personal Black Swan

I think (rather than asteroids), the black swan is related to catastrophic failure of Vanguard's IT. THere have been innumerable posts about poor IT and poor service from Vanguard. When reading them, it usually indicates a systemic failure at the leadership level to take these things seriously. Ther...
by sambb
Sun Nov 12, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 1831

Re: Are we headed for a crash or...

Is this just the beginning? Of course past is no prediction of the future but I found this chart pretty interesting. https://www.beacontechnologies.com/blog/wp-content/uploads/2014/02/17-year-stock-market-cycle.jpg The beginning is now, but nobody knows nothing Nobody knows nothing is a double nega...
by sambb
Sun Nov 12, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 2976

Re: Fidelity 10X Retirement Rule - - Valid???

It may be as good as any other rule. Sure expenses matter - but they change also. They are not fixed. Some increase spending in retirement, some decrease. Best to calculate both ways. Most people i know, when they get raises, they also eventually raise their standard of living. Otherwise, they would...
by sambb
Sun Nov 12, 2017 1:40 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 2976

Re: Fidelity 10X Retirement Rule - - Valid???

its not bad
BH use expenses but those change also
by sambb
Fri Nov 10, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 207
Views: 17383

Re: Why NOT make more money?

It seems like this thread has been hijacked by people who should b e posting in the other thread. The OP asked for the other side of the coin - why not make more money. I see no problem with it. If you like your job, and want to increase inheritance, spending, etc. then yes, go ahead and make more!
by sambb
Fri Nov 10, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: When is a good time to rebalance?
Replies: 30
Views: 2279

Re: When is a good time to rebalance?

also rebalance if risk tolerance changes - you will have to, because your allocations will not match up.
by sambb
Fri Nov 10, 2017 3:50 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12911

Re: Why make more money?

Considering it wasn't that long ago that people worked dusk to dawn to either grow, hunt or gather food and water their entire lives (and in many places I am sure they still do) I can't see where our society has placed an increased burden on us. If I remember correctly when Social Security was orig...
by sambb
Tue Nov 07, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9641

Re: Disposable income... how?

We have no idea how the others' finances are. Perhaps they have made a lot on investments, or other ways. Dont assume that the neighbors are "overspenders". They may be way ahead of where you are, or way behind. Not everyone with a nice car or a nice vacation is an overspender. I save a lot and have...
by sambb
Tue Nov 07, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12911

Re: Why make more money?

I am so glad that enterpreneurs and great CEOs continued to work despite having money, as they were able to continue to grow their businesses, and hence they contributed to the growth of my index funds. Thanks to Gates, Jovbs, Bezos, etc etc etc. And another reason to work could be the experience of...
by sambb
Mon Nov 06, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7725

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

I think the 3 fund is not really that simple, maybe one fund is better. Nevertheless, the financial issue is not how one invests, but rather, being taken advantage of by relatives or others who cause you to change or sign over things, change beneficiaries, spend your money, etc.
by sambb
Sun Nov 05, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4732

Re: "Probably the World's Best Investment Forum"

I want to thank the mods also, and i hope to donate to this forum, the link for donation is present if you look!
by sambb
Sun Nov 05, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 7455

Re: Preparing For "Early Retirement" In A Couple of Years

I would not retire. Give it a few years. Take a nice vacation though.
I also would ask if you would retire if the market tanked 30% and jobs were tight, and profits down.
by sambb
Sun Nov 05, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: What to do with Cash right now
Replies: 13
Views: 1025

Re: What to do with Cash right now

There is nothing wrong with being nervous about investing at a market high. My advice is to dollar cost average in, if you dont like a lump sum. Or invest at a 50/50 allocation, if your risk tolerance is low. There is nothing wrong with not wanting to tolerate the risk of current market levels, if t...
by sambb
Sat Nov 04, 2017 8:55 pm
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4732

best forum

agree with the comments, but dont understand why this has to be in ALL CAPS
by sambb
Sat Nov 04, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: St Louis: from airport to hotel (uber, shuttle or rental)
Replies: 23
Views: 1137

Re: St Louis: from airport to hotel (uber, shuttle or rental)

uber is what you want to do, and it avoids hassle.
by sambb
Sat Nov 04, 2017 5:20 am
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4663

Re: This is why I'm glad I started investing at 23

I started inverting early also, but i take s different view. I am sometimes the beneficiary of an unfortunate state in which there are people at work who can't understand the politics or how to support the corporate mission. This way, those of us that understand how to move the company forward, are ...
by sambb
Mon Oct 30, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6387

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

The info is already on a check.. dont understand how this is risky compared to writing a check.
by sambb
Mon Oct 30, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5487

Re: New Car: Ever make sense to lease?

Im so glad i have leased. The invested money went up big in markets this year, and has easily paid the payment on my lease.
Lease was 100% the best move by FAR.
by sambb
Mon Oct 30, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8856

Re: My 401k is almost all cash now. 1/2 Mil

sounds like your risk tolerance changed, so you rebalanced out. Nothing wrong with that, if your risk tolerance changes.
People's risk tolerance can cause rebalancing. Not a big deal of thats what you want to do.
by sambb
Sun Oct 29, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity for HY Bonds
Replies: 1
Views: 189

Re: Variable Annuity for HY Bonds

The marginal gain over munis (int term) is small given the expenses of VA, and the potential taxes at withdrawal, which will eat up the difference. You end up with a lot more risk for a tiny bit of gain.
by sambb
Sun Oct 29, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically
Replies: 23
Views: 2615

Re: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically

split the difference and move slowly - move to 65/35. Your risk tolerance is changing. Nothing wrong with that at all, and you take some profits off the table. Reevaluate in a few years. Youre doing great, dont overthink this, but nothing wrong with taking some profits down.
by sambb
Sun Oct 29, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: NYTs- "Why Bonds aren't Boring Right Now"- Bogle commentary
Replies: 11
Views: 2090

Re: NYTs- "Why Bonds aren't Boring Right Now"- Bogle commentary

unfortunate that Bogle is prediciting future stock and bond prices/growth. how does he know?
by sambb
Sun Oct 29, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: What strategies do you use to manage risk in your portfolio?
Replies: 21
Views: 1245

Re: What strategies do you use to manage risk in your portfolio?

Think out of the box and get back to basics Best way to manage risk is to increase total assets Best way to increase total assets is to increase savings rate or increase income After that, asset allocation, expense ratios, etc play a role For me, the best risk reduction is constantly evolving at wor...
by sambb
Sun Oct 29, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: 2017 Bogleheads Conference - Annuities: The Good, The Bad, and The Ugly
Replies: 18
Views: 2196

Post tefra cost basis

If a variable annuity was transferred to Vanguard, is the following correct for taxation: Lets say I withdraw early, before ager 59.5 Vanguard lists the POST TEFRA COST BASIS as $1000 The annuity value is $2000 Hence the earnings are $1000 I would owe my AGI rate on the $1000 PLUS and additional 10%...
by sambb
Sat Oct 28, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15122

Re: What was the main reason you retired?

amazing how many people dont like their job, i like mine. was in a situation i didnt like - changed it
good poll to see why people retire though
by sambb
Sat Oct 28, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 7177

Re: Is it difficult to switch from an iPhone to an Android?

had android once. never again. ever. too hard to use and limits productivity.
by sambb
Wed Oct 25, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: When to buy a new car
Replies: 10
Views: 1019

Re: When to buy a new car

i would sell the car
by sambb
Wed Oct 25, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Vanguard's size a worry
Replies: 21
Views: 4412

Re: Bogle: Vanguard's size a worry

Mr. Bogle said: "I just don't think it's worthwhile, hyping and trying to bring in more and more money." I couldn't agree more. Spend some money on higher quality service. Lev It's also worth remembering that many of Vanguard's shareholders hold no assets at Vanguard brokerages and do not care abou...