Search found 1263 matches

by sambb
Sat Aug 27, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 35
Views: 2980

Re: $50M+ - Need a sounding board/advice

Put it 95% of it in one find: tax managed balanced fund. You will be just fine if you do this. appropriate risk level, and has appropriate income Call vanguard for an institutional rate Once a year, take dividends in cash to replenish your spending no matter what anyone says in the next 30 years, ke...
by sambb
Sat Aug 27, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count your emergency fund?
Replies: 34
Views: 1701

Re: Do you count your emergency fund?

I count it. I have decreased it over time. It has been one of the worst financial ideas. One can always sell a
Mutual fund shares in a pinch of money is needed. I keep much less than I did previously so it doesn't really matter if I count it or not.
by sambb
Thu Aug 25, 2016 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with call option repair strategy
Replies: 4
Views: 186

Re: Help with call option repair strategy

option 1 seems reasonable at this point
by sambb
Thu Aug 25, 2016 5:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Recommends Stocks in Taxable; Bonds in Tax-advantage accounts
Replies: 27
Views: 3095

Re: Vanguard Recommends Stocks in Taxable; Bonds in Tax-advantage accounts

complicated by roths, by munis and tax brackets, and future capital gains tax rates
not straightforward at all
by sambb
Wed Aug 24, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned I'm investing at peak
Replies: 31
Views: 3722

Re: Concerned I'm investing at peak

yes, you could definitely be investing in the peak, after a long bull run and several months in a row that are positive. Hard to know what to do, and nothing wrong with averaging in over any period of time. No one knows.
by sambb
Mon Aug 22, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 52
Views: 5062

Re: Long wait on Vanguard Phone Lines-What's going on?

Despite all the explanations, I think the IT and customer service at Vanguard are not up to the level that they should be, and it may indicate a leadership issue or a cultural problem.
by sambb
Sun Aug 21, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: New Cars and Safety upgrades
Replies: 31
Views: 1619

Re: New Cars and Safety upgrades

Every time there is one of these car safety discussions, I amazed by the number of people who discount the danger of vehicle travel. Just as a reminder: In the USA alone, over 37,000 people die in road crashes each year. An additional 2.35 million are injured or disabled. Over 1,600 children under ...
by sambb
Sat Aug 20, 2016 9:16 pm
Forum: Investing - Theory, News & General
Topic: Something better place to park my cash??
Replies: 16
Views: 2057

Re: Something better place to park my cash??

emerging markets may be good
by sambb
Sat Aug 20, 2016 8:44 pm
Forum: Investing - Theory, News & General
Topic: Bonds in Taxable
Replies: 146
Views: 8175

Re: Bonds in Taxable

capital gains rates have ranged from 15-35% over the last few decades. Seems like most calculations here do not account for the potential increased cap gains rates.
by sambb
Sat Aug 20, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: New Cars and Safety upgrades
Replies: 31
Views: 1619

Re: New Cars and Safety upgrades

These new safety features have saved me several times.
Probably have saved me liability too.
I plan on upgrading regularly. The cost of upgrading my car is far less than dealing with liabilty from accidents. With everyone texting on the road, I like the option.
by sambb
Wed Aug 17, 2016 3:13 am
Forum: Personal Consumer Issues
Topic: Has your workplace transitioned to "open/collaborative space?"
Replies: 85
Views: 7310

Re: Has your workplace transitioned to "open/collaborative space?"

I dont really care what space there is - open, closed, etc. My goal is to be successful and thrive in career and financially, regardless of the environment. If others can't adjust, I see it only as an advantage for myself IF i can adjust under the same conditions. Bring it on, no matter what the con...
by sambb
Sun Aug 14, 2016 5:29 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 201
Views: 29174

Re: I'm Calling an Emerging Markets Bottom

Emerging markets - still on a tear! Glad i am in.
by sambb
Sun Aug 14, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: bifiocals vs progressive lenses - value/cost
Replies: 20
Views: 1243

bifiocals vs progressive lenses - value/cost

Can someone tell me about the value of these two options for eyeglasses? Is one of them better than the other, from a cost perspective, and from an effectiveness standpoint as a consumer?
by sambb
Sun Aug 14, 2016 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 6452

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

15 year old crashes bike, and some reactions are to lawyer up..
I would let it go
by sambb
Sat Aug 13, 2016 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Wanted to always Bogle, but never got around to it...Now worth $2.3m
Replies: 11
Views: 2907

Re: Wanted to always Bogle, but never got around to it...Now worth $2.3m

Your 2.3 mill should be at 4-5 mil. My advice, is to put everything into LS consevative growth or Tax advantaged balanced, and be done with it. Conservative, downside is limited by conservative allocation, and likely will keep you well ahead of inflation. Good luck.
by sambb
Tue Aug 09, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 3740

Re: Sell my Apple stock?

Actually, it was only once, and dont need to try again. It was clear that the iPhone was better than any blackberry or any phone on the market. Some saw it coming after holding it in our hands and using it. I remember the video on Ballmer laughing at it - thats when I knew that a lot of people got ...
by sambb
Mon Aug 08, 2016 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 3740

Re: Sell my Apple stock?

Actually a good outcome was the strategy. So let's not confuse that some people can get it right. Please post any future stock picks so we can vicariously enjoy your strategic prowess in investing. Actually, it was only once, and dont need to try again. It was clear that the iPhone was better than ...
by sambb
Mon Aug 08, 2016 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 3740

Re: Sell my Apple stock?

People here would have told me to sell my apple stock a long time ago And that would have been very detrimental, as keeping the stock enabled me to be much better off than selling it Don't confuse outcome with strategy. Actually a good outcome was the strategy. So let's not confuse that some people...
by sambb
Sun Aug 07, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6168

Re: Should I lease a Tesla?

before you buy, make sure you look up tesla repairs in the cars' forums, and the extreme length of time to get parts in several cases.. Since it'll be a leased vehicle I'm not too concerned about repairs. So, you wouldn't be bothered if you were paying the monthly lease payment, while waiting 3-6 m...
by sambb
Sun Aug 07, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax deferred?
Replies: 7
Views: 644

Re: Bonds in taxable or tax deferred?

bonds in taxable assumes certain capital gains rates. Can anyone tell me the capital gains rate in 2030? Or is it not determined yet, thus clouding the picture?
by sambb
Sun Aug 07, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6168

Re: Should I lease a Tesla?

before you buy, make sure you look up tesla repairs in the cars' forums, and the extreme length of time to get parts in several cases..
by sambb
Sun Aug 07, 2016 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 3740

Re: Sell my Apple stock?

People here would have told me to sell my apple stock a long time ago
And that would have been very detrimental, as keeping the stock enabled me to be much better off than selling it
by sambb
Sun Aug 07, 2016 5:32 am
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 5143

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

I don't understand why the "trucks" are getting so similar to the minivans. They already have an excellent minivan in the lineup with the Odyssey. Why make the Pilot look just like it? Because that's what customers demand. Car companies are in business to make money, and the best way to d...
by sambb
Mon Aug 01, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2996

Re: anyone own a stingray corvette? how do you like it?

I am mostly a german/japanese car person, but wanting your opinion on this 2014-7 corvette, as far as performance and reliability, for one of my colleagues. Are those all that matter to your colleague? Does the driving experience not matter? If it does matter then what is your friend specifically l...
by sambb
Sat Jul 30, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2996

Re: anyone own a stingray corvette? how do you like it?

do you have the base or z51? why?
by sambb
Sat Jul 30, 2016 8:45 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2996

anyone own a stingray corvette? how do you like it?

I am mostly a german/japanese car person, but wanting your opinion on this 2014-7 corvette, as far as performance and reliability, for one of my colleagues.
by sambb
Fri Jul 29, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1900

Re: Never owned a cell phone.

There are age related issues in consumerism. I doubt many 15 year olds buy briefcases, and i doubt many 60 year olds buy barbie dolls. So, to each his own. I cant imagine life without an iphone for my work and personal life.
by sambb
Mon Jul 25, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Buying a VW?
Replies: 30
Views: 1948

Re: Buying a VW?

Never had a problem with any german car (mult BMWs, mercs, audis, etc.) except for 1 BMW >20 years ago.
Japanese are cheaper and more reliable however.
by sambb
Mon Jul 25, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 59
Views: 4965

Re: My experience with "older" used car

Im really glad that i dont drive a 1990s camry, but to each his own.
I prefer modern car amenities, safety features, etc.
THere are ways to save money, and it is personal, which methods to use.
Some would never go out and buy a bottle of wine; others feel that is necessary. It isnt always logical.
by sambb
Wed Jul 20, 2016 3:39 am
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7632

Re: Why did the car salesman stop replying to my emails

My guess would be they think you aren't a serious buyer and just wasting their time. They are flooded with emails that don't go anywhere so it's somewhat understandable. +1 Having friends in the business and being someone who buys a lot of cars, each potential client is sized up for whether or not ...
by sambb
Sat Jul 16, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 177
Views: 15344

Re: A car nicer than the boss?

so what happened
by sambb
Fri Jul 15, 2016 7:10 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 4659

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

The idea that all known information is baked into a stock is flawed. Just not true. People ca be wrong about "what they know".
by sambb
Thu Jul 14, 2016 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 4457

Re: Car Buying Dilemma

lease definitely
by sambb
Thu Jul 14, 2016 11:01 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 123
Views: 8317

Re: What kind of car do Bogleheads like to drive?

i like porsche, lexus, and some exotics.
by sambb
Thu Jul 14, 2016 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: NO bonds in my taxable account, really?
Replies: 38
Views: 3533

Re: NO bonds in my taxable account, really?

bonds in tax deferred resulted in worse return for me than other options, I think the wiki has tons of disclaimers. It is not for everyone.
by sambb
Sun Jul 10, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: How much do you invest of your net income?
Replies: 25
Views: 3326

Re: How much do you invest of your net income?

Cant compare to others for several reasons: 1. Do you have a mortgage, and do others and what is the term and to you include in savings 2. Do you have school loans or are saving for kids college, and do you include that 3. Do you even have kids at all - definitely alters savings rate It would be mor...
by sambb
Sun Jul 10, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Less than 24 hour delivery with Amazon & on Sunday
Replies: 41
Views: 2581

Re: Less than 24 hour delivery with Amazon & on Sunday

Amazon is amazing. We have received items on Sunday love it. Cheaper and convenient. Consumer shopping at a store seems dated to me.
by sambb
Thu Jul 07, 2016 8:30 pm
Forum: Investing - Theory, News & General
Topic: Actionable Advice: What to do if Japan happens here?
Replies: 36
Views: 3495

Re: Actionable Advice: What to do if Japan happens here?

Actionable advice if Japan happens here? If I see it coming, I hope to heck that I get out of the market and invest elsewhere or in other assets. Japan has been devastating to several in that country who had weighted stocks and had a 10-20 year time frame. It would not be "ok" for many peo...
by sambb
Mon Jul 04, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: When your work schedule starts affecting your work-life balance
Replies: 144
Views: 11347

Re: When your work schedule starts affecting your work-life balance

From a C suite, decisions like this at the worker level determine a lot about how leadership views you, whether or not it is fair. At higher income levels for the worker, it is interesting. Sometimes corporations have to spread the pain, just like they should spread the wealth. All employees want co...
by sambb
Sun Jul 03, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13437

Re: What do you spend your money on???

Cars with safe features and modern
Wants of my wife and kids
Technology
Luxuries

I don't have an interest in saving while avoiding living life
by sambb
Tue Jun 14, 2016 10:07 pm
Forum: Investing - Theory, News & General
Topic: Inevesting Mistakes or Regrets
Replies: 49
Views: 4667

Re: Inevesting Mistakes or Regrets

All in one fund in tax deferred is better than tinkering. And an emergency fund has no value if you have large taxable portion.
by sambb
Tue Jun 14, 2016 4:58 am
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 77
Views: 6683

Re: Any Porsche 911 owners here?

have owned a porsche. Great car. Way better than a 1999 camry which is often touted here. Great car to drive. Maintenance is expensive. But it was reliable so needed few dealer trips. Wow, the fun though..
by sambb
Mon Jun 13, 2016 4:21 am
Forum: Personal Consumer Issues
Topic: Leisure Time versus Thriftiness
Replies: 100
Views: 7265

Re: Leisure Time versus Thriftiness

For the OP, i agree with you. I dont do my own car maintenance for example. I do eat out. I am not interested in saving 60 dollars on a tire. My time is more valuable than that. Opinions may differ. I might feel differently if I had less saved or was behind in retirement goals.
by sambb
Mon Jun 13, 2016 4:16 am
Forum: Personal Consumer Issues
Topic: The Most and Least Expensive Cars to Maintain
Replies: 40
Views: 4357

Re: The Most and Least Expensive Cars to Maintain

I have found BMW to me much more reliable than this states.
BUT
If driving a BMW only costs me an extra 1000/year over a toyota camry? Done. This survey tells me, that driving the BMW is well worth it. I would much rather spend the extra money, its not too much over 10 years.
by sambb
Wed Jun 08, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401 k moved to tiaa from vanguard
Replies: 5
Views: 413

401 k moved to tiaa from vanguard

My 401k provider moved funds in kind from vanguard to tiaa. Why would that happen? We can still invest in vanguard.
by sambb
Tue Jun 07, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: leadership buzzwords
Replies: 14
Views: 846

leadership buzzwords

To enhance my career, and in career advancement, I am now invited to alot of meetings amongst senior leaders in our 6 Billion dollar organization. I have seen over the last year that there is a lot of "leadershuip lingo" Here is a short list of words, which are often used amongst leaders i...
by sambb
Mon Jun 06, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 3992

Re: Best AWD Sedan/Coupe?

lease an A4 or a 3 series BMW for 3 years, and figure out if that is the direction you want to go. Yeah it might cost slightly more than buying, but little risk. I think this is the best option
by sambb
Mon Jun 06, 2016 7:53 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a used luxury car-need help!
Replies: 21
Views: 1889

Re: Thinking of buying a used luxury car-need help!

I have owned several luxury cars. Myths expressed at BH: ALL german cars all break down. I have had good and bad ones. Fact: lexus is the most reliable. It also has little "soul" compared to the BMW. I have owned all the brands. I love driving the BMW (and have owned several that are very ...
by sambb
Sat Jun 04, 2016 9:59 pm
Forum: Investing - Theory, News & General
Topic: What are the biggest criticisms about the Boglehead way?
Replies: 243
Views: 21617

Re: What are the biggest criticisms about the Boglehead way?

I find it interesting here that the BH way is about indexing, yet people are ok with actively managed funds like wellington. I find it interesting that indexing is favored, but somehow warren buffet is seen as an authority I find it interesting that non-BH opinions are met with negativity I find it ...
by sambb
Fri Jun 03, 2016 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 4341

Re: When do YOU rebalance?

I rebalance constantly
I have life strategy funds
and some individual funds
I also invest extra money every month to maintain asset allocation when i have extra money
i just look at my allocation and invest accordingly to bring it closer to my preferred allocation

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