Search found 1208 matches

by sambb
Fri May 20, 2016 2:43 am
Forum: Personal Finance (Not Investing)
Topic: Some days still not sure I made the right choice
Replies: 49
Views: 7686

Re: Some days still not sure I made the right choice

I think that saving can be overrated if you miss out on experiences.
I would hate to miss out on things in my 20s to use the money in my 70s.
Trips to europe are a good example. Dont care that I blew the money.
by sambb
Wed May 18, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 39
Views: 2903

Re: $750 repair or buy new [MacBook Pro]

A macbook to me is worth over 20,000 more based on the additional productivity it gives me over windows.
Would not hesitate to buy it new. it's value to me is so enormous compared to windows, just do it.
by sambb
Sun May 15, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20714

Re: Rich But Middle Class

It is interesting reading thoughts on preconceived notions on what someone of a larger income level would consider adequate. TO the OP, only you know how much you want to save and spend. You can't take the money to the grave, but you want to have enough to save and be ok at your higher lifestyle. No...
by sambb
Sun May 15, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 3742

Re: Trade in BMW?

if you are going to sell, i would consider leasing if you change your car every 3-4 years. 3 year lease may be better for you.
by sambb
Sun May 15, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20714

Re: Rich But Middle Class

With AGI average of 920k, and expenses of 320k, i would keep on saving and doing what you are doing. Just dont inflate your lifestyle anymore
by sambb
Sat May 07, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10191

Re: Is buying organic really that expensive?

yes, organic is more expensive. So is a new car, a trip to europe instead of to the midwest, a mercedes instead of a ford.. It's value is determined by those willing to spend the money. ?marketing ploy - one could say that about any consumer item. Going to a nice restaurant on one's anniversary is a...
by sambb
Mon May 02, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 133
Views: 18595

Re: I bought the wrong car - know it after 15 days

unexpected consumer items are one reason to save and invest. go ahead and change cars. A few thousand dollars of a mistake wont change your overall retirement. Just make sure you really get it right the next time.
by sambb
Sun May 01, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 84
Views: 10282

Re: WOW fantastic Cars in the Wild

Glad to see people spending their hard earned money. Ferraris can be very pretty, and I always look when I see them. Nicest car I saw recently, was a blue aventador roadster.
by sambb
Sun May 01, 2016 5:23 am
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 35
Views: 3465

Re: Regret of selling winning stocks early

If your goal was to accumulate wealth, then yes, you made the wrong decision, as the stock has done better. If your goal was to spread out your risk, then you have done better, because you are spread out over more companies. I think it comes down to what your goals were. I would feel bad also if I h...
by sambb
Sat Apr 30, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1592

Re: anyone wiht experience with car with frontal collision alert?

does eyesight beep when you are closing in fast to a car, or is it silent until it must brake?
by sambb
Sat Apr 30, 2016 9:48 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1592

Re: anyone wiht experience with car with frontal collision alert?

Get a wife. She'll alert you to everything whether you need it or not. :wink: wow, it is 2016, i am looking for advice on a car's 2016 technology, not a judgment or prediction on what a passenger of a certain gender would say. I wasn't considering using a passenger as the alert, regardless of their...
by sambb
Sat Apr 30, 2016 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: higher tax bracket, taxable part of portfolio, bonds and AMT
Replies: 4
Views: 487

higher tax bracket, taxable part of portfolio, bonds and AMT

If I am in a high tax bracket and the vanguard intermediate term tax exempt fund is my bond fund of choice - i presume that is good. However, if I pay in AMT, is it better to have total bond market, to raise my taxable income, have higher yield, and thus negate the AMT? Complicated question..
by sambb
Sat Apr 30, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1592

anyone with experience with car with frontal collision alert?

I am looking for a reccomendation for a car with frontal collision alert from existing owner of such a vehicle. How well does it work at low speeds and highway speeds? One doesnt want to rear end someone by mistake, and hoping to put all in the driver's favor. I am sure there will be thoughts of &qu...
by sambb
Fri Apr 29, 2016 9:10 pm
Forum: Investing - Theory, News & General
Topic: “Markets Have ‘Borrowed’ Returns from the Future”
Replies: 17
Views: 2664

Re: “Markets Have ‘Borrowed’ Returns from the Future”

I completely agree. I know I'm not alone either. This is the background narrative that's been pushed, which I think most investors agree with. I raised the ire of a boglehead because I hinted that the Fed was buying securities. The interaction devolved into minutaie on the open operations the Fed a...
by sambb
Wed Apr 27, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Practices
Replies: 26
Views: 1964

Re: Medical Billing Practices

seems reasonable to pay the best approximation you can pay for something at the time of delivery. THe grocery store wont let me take the milk unless i pay up front. Seems like healthcare is moving in that direction, to the best approximation they can. Surely this is because a lot of people dont pay ...
by sambb
Tue Apr 26, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12286

Re: I Hate My Job: Politics at Work (Advice Needed)

You are being oppressed. The question is, are there better alternatives out there? If not, then you are lucky to have this job.
by sambb
Mon Apr 25, 2016 8:33 pm
Forum: Investing - Theory, News & General
Topic: Dow 100,000
Replies: 33
Views: 5227

Re: Dow 100,000

it is interesting to see these threads at the market top, rather than in a bear market
by sambb
Tue Apr 19, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Verizon Made A Mistake, Now My Plan Is Gone Forever.
Replies: 8
Views: 1905

Re: Verizon Made A Mistake, Now My Plan Is Gone Forever.

I would consider getting a new plan and a new smartphone and also consider texting. It all adds value.
by sambb
Sat Apr 16, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 206
Views: 20648

Re: Soapbox (car safety features)

Last saturday night, I parked my car at a friend's house then jumped in their new top of the line safety feature vehicle. She had her backup camera on, the beepy thing when you get too close etc... Guess where I'm headed this evening? Yep, to get an estimate for the door damage she caused by backin...
by sambb
Sat Apr 16, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 206
Views: 20648

Re: Soapbox (car safety features)

OP, great contribution. Yes, no sense in dying behind the wheel. Agree with you on all of these amazing technologies. Humans are not as good drivers as they claim to be. I work in hospitals and never met one that thought they were a bad driver.
by sambb
Fri Apr 15, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: cant file taxes - identity theft
Replies: 6
Views: 870

Re: cant file taxes - identity theft

did you file form 14039 with your taxes? I owe money, so I am less concerned about a refund
by sambb
Fri Apr 15, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: cant file taxes - identity theft
Replies: 6
Views: 870

cant file taxes - identity theft

apparently someone filed taxes and stole my identity
any advice for me - what do i need to do
apparently i have to file paper form and with an ID theft form
What else should i do
by sambb
Thu Apr 14, 2016 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much cash?
Replies: 21
Views: 2288

Re: Am I saving too much cash?

emergency funds in cash are a total waste when you have high amounts of $ in taxable accts. Can always withdraw.
by sambb
Wed Apr 13, 2016 8:47 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 181
Views: 22840

Re: I'm Calling an Emerging Markets Bottom

GREAT call. EM is doing so well. So happy with it.
by sambb
Sun Apr 10, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: thoughts on AAPL
Replies: 28
Views: 2100

Re: thoughts on AAPL

Anyway, getting back to AAPL - who is buying? I am not so interested in debating those that don't believe in individual stocks. AAPL is the largest holding of most index funds that invest in large cap stocks, and i bet it is the top stock holding of bogleheads based in the US - if they invest in tot...
by sambb
Sun Apr 10, 2016 2:40 pm
Forum: Investing - Theory, News & General
Topic: thoughts on AAPL
Replies: 28
Views: 2100

Re: thoughts on AAPL

anyone getting in beyond index funds? nice article in barons.
by sambb
Sun Apr 10, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: I'm willing to pay them whatever they want!
Replies: 66
Views: 7767

Re: I'm willing to pay them whatever they want!

iphone
Worth 10x its price. Maybe 50x. Improves my productivity and life.
by sambb
Sat Apr 09, 2016 8:35 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 42
Views: 3216

Re: Rebalancing to control risk doesn't make sense to me

OP - you bring up several points that are really thought provoking, and show that the BH methodology certainly has some flaws, thanks for the thread.
by sambb
Fri Apr 01, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 18682

Re: Tesla Model 3 anyone?

Love technology, but I have a family member with a Model S. Underwhelmed. Interior did not match up to a 100k car. Acceleration is ok, but even a benz or bimmer at same price have very good acceleration, and who goes 0-60?. Range in the winter was horrendous - esp in very cold areas. Range Overstate...
by sambb
Mon Mar 28, 2016 10:03 pm
Forum: Investing - Theory, News & General
Topic: It's all about saving, not investing really.
Replies: 84
Views: 7979

Re: It's all about saving, not investing really.

saving and asset allocation is so much more important than a few tenths of expense ratio.
by sambb
Sun Mar 27, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 9147

Re: leaving vanguard due to math errors / poor customer service?

This is a major risk, that is not present to this degree in other areas.
I would much rather pay a slightly higher expense fee to avoid these problems
I have a tiny fidelity acct, and posts like these make me think I need to direct new money over there. It is very concerning, and shocking.
by sambb
Sat Mar 26, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Best & Worst Financial Decisions?
Replies: 92
Views: 8510

Re: Best & Worst Financial Decisions?

Best, by far: investing in apple when the iphone came out, and seeing everyone got it wrong on the company. Remember Ballmer laughing at the phone. I remember analysts with their blackberries. This was in stark contrast to the people in line waiting to see the iphone, and how amazing the phone was. ...
by sambb
Thu Mar 24, 2016 4:34 am
Forum: Personal Consumer Issues
Topic: $184,000? How do you like your cell phone now?
Replies: 59
Views: 6259

Re: $184,000? How do you like your cell phone now?

Only 184k?
I would gladly spend that
My iPhone has saved me so much time, made me more productive, and allowed me to be more connected in all sorts of ways.
I would pay far more than that. It has given back to me in so many ways.
Great deal.
by sambb
Thu Mar 17, 2016 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Whether you call it rebalancing or market timing
Replies: 30
Views: 2582

Re: Whether you call it rebalancing or market timing

The BH "logic" in the responses is interesting, but decisions don't always fall under that logic.. I wish the OP well. Good decision.
by sambb
Sun Mar 13, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: How to convince high NW father to dump his financial advisor?
Replies: 69
Views: 6786

Re: How to convince high NW father to dump his financial advisor?

Seems like he has done well.
Maybe the fee is worth it to him.
Just because the fee isnt small like vanguard, doesnt mean that he hasnt benefited from his advisor.
Always easy to second guess other people's financial decisions
by sambb
Sat Mar 12, 2016 9:54 pm
Forum: Investing - Theory, News & General
Topic: The most hated market is positive YTD
Replies: 5
Views: 2085

Re: The most hated market is positive YTD

callan tables helped
by sambb
Fri Mar 04, 2016 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 106
Views: 13883

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

so glad i chose extra money over the balance. It opened me to huge opportunities, leadership, more pay beyond what i ever imagined.
by sambb
Tue Mar 01, 2016 10:59 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4507

Re: Mac laptop vs. Windows 7 (or 10) laptop

From someone who works in IT: - MacBooks are pretty. They're a status symbol. They make a statement. - MacBooks are great for IT geeks and artsy people. Other than those 2 groups of users, I think you'd have a hard time justifying the need/cost (other than for the reason above). - For your typical ...
by sambb
Tue Feb 23, 2016 7:22 am
Forum: Personal Finance (Not Investing)
Topic: When does saving rate take back seat to dollars?
Replies: 18
Views: 1919

Re: When does saving rate take back seat to dollars?

savings rate matters far far far more than expense ratio, but expense ratio gets the press here. more you save = more $$ in the end
by sambb
Sun Feb 21, 2016 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's accounting mistake: is this a tax nightmare?
Replies: 11
Views: 1757

Re: Vanguard's accounting mistake: is this a tax nightmare?

The errors and IT issues at this great firm are really worrisome.
by sambb
Sun Feb 21, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: DELL Certified Refurbished woes
Replies: 12
Views: 1139

Re: DELL Certified Refurbished woes

another reason to pursue apple macbook/pro - always rated very high on service
by sambb
Sat Feb 20, 2016 11:22 pm
Forum: Investing - Theory, News & General
Topic: "restricted and purged" aka my VG Brokerage experience
Replies: 56
Views: 7889

Re: "restricted and purged" aka my VG Brokerage experience

the more and more i hear about vanguard's IT problems, the more i think i will move to fidelity. it is amazing how this happens.
by sambb
Sat Feb 20, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: I do not know how to back up my computer
Replies: 72
Views: 4924

Re: I do not know how to back up my computer

yet another reason to have a mac, so much easier and flawless at these things
by sambb
Wed Feb 17, 2016 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for 100 jobs, no callbacks. What's up?
Replies: 103
Views: 9066

Re: Applied for 100 jobs, no callbacks. What's up?

I just reviewed 73 resumes for a job I have posted. Not one seemed interesting enough to interview. It is hard to find the right person, and there is no sense in interviewing the wrong one.
by sambb
Tue Feb 16, 2016 6:27 am
Forum: Investing - Theory, News & General
Topic: Larson Financial?
Replies: 15
Views: 2475

Re: Larson Financial?

You could do better on your own (if you are financiallt and investment educated) or you could do far worse. You also could do better with them, or worse. Not a bad option, but not a really great one either. Commissions are worthwhile if they save you from yourself.
by sambb
Tue Feb 09, 2016 11:55 pm
Forum: Personal Consumer Issues
Topic: Math and Computer Science
Replies: 69
Views: 3696

Re: Math and Computer Science

some people are C students regardless of the field of study, i had several colleagues in college like that. I also had colleagues who received good grades and poor grades, and it was more related to personal rather than educational pursuits during those times. There are several reasons for a C grade...
by sambb
Tue Feb 09, 2016 11:21 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 17383

Re: Banned from Home Depot Returns

In the big picture, I don't see conceptually why a business would have to honor another business's holding of inventory that may not be used. Could cause significant distress to a company. Maybe just buy less, and what one needs. In other parts of the world outside of the US, returns are very diffic...

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