Search found 1511 matches

by sambb
Mon May 29, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 7539

Re: When does Saving become missing out on life?

I am so glad, so so glad, that i spent too much money in my 20s and early 30s. What did i get for it? Trips to europe, trips to vegas, vacations with people i was dating, a great sports car. I got to enjoy all of these great things when i was in my 20s and 30s. It was awesome. I could care less abou...
by sambb
Sun May 28, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: How to return 5% with low risk?
Replies: 15
Views: 1943

Re: How to return 5% with low risk?

I plant to retire next year, and I need to return an average annualized rate of 5% on my investments to live comfortably. I realize that I could put all my money in an S&P index fund and probably do far better than 5%. But I am willing to sacrifice higher expected returns in exchange for not ha...
by sambb
Sun May 28, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Why Are U.S. Stocks So Expensive Today?
Replies: 36
Views: 3299

Re: Why Are U.S. Stocks So Expensive Today?

These threads are interesting. One year ago, there were alot of people here saying that we are in a low growth enviroment, and cant expect 7-8% a year in the market.
And the market is up 15% in the last 1 year.
Cant time the market or valuations.
by sambb
Sat May 20, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Should Our Square Dance Club Incorporate?
Replies: 7
Views: 492

Re: Should Our Square Dance Club Incorporate?

why have a formal club, just get together and have fun,
by sambb
Sat May 20, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Please give de-accumulation advice
Replies: 8
Views: 657

Re: Please give de-accumulation advice

youre probably ok, but i would find work for 2-3 more years.
Would you retire if we had a bear market and you were down 30-40% from current? Maybe not.
stay the course.
by sambb
Sat May 20, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: tesla's valuation
Replies: 15
Views: 1101

Re: tesla's valuation

lots of risks, and benefits in tesla.
Now that i use uber alot, i dont see the point of a car in a lot of situations.
Lots of disruption coming in transportation over the next 20 years
I own tesla as part of my total stock market fund, so im fine
by sambb
Thu May 18, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: SIPC vanguard
Replies: 2
Views: 296

SIPC vanguard

I just read this on vanguard:
Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc., and are not protected by SIPC.

What are all thoughts? Time to upgrade? I dont like vanguard brokerage..
by sambb
Sun May 07, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 13717

Re: Most Common Financial Mistakes

The following (in no particular order) are mistakes to avoid: Shopping at highbrow stores like Ethan Allen, Whole Foods, etc. Daycares Private schools College funds Purchasing nonfunctional fad vehicles such as Tesla Swimming pools International travel disagree with the above To me, the worst finan...
by sambb
Sun May 07, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: What if the market drops right after I invest? Now the market is at all-time high..
Replies: 27
Views: 2314

Re: What if the market drops right after I invest? Now the market is at all-time high..

It would be nice for you to know how often the market drops after a 5-7 year bull market. However, in practicality the best thing for you to do, is to dollar cost average and get used to volatility. Nothing wrong with warming up to the market slowly. People here will say "lump sum" is the ...
by sambb
Sun May 07, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Am I overlapping or duplicating?
Replies: 15
Views: 1047

Re: Am I overlapping or duplicating?

overlaps are totally ok, as long as total asset allocation fits your needs. good luck
by sambb
Sat May 06, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18187

Re: Why save so much for when you're old?

I can see the OPs point. I am so glad that i DIDNT save money in my 20s - blew money to go on great dates, trips to europe with friends and girlfriends, had parties and threw them, road trip to vegas, etc Those experiences were well worth it. I am sure the $3000 i blew in europe might be worth more ...
by sambb
Thu May 04, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: have you accepted a lower cost lifestyle to retire early?
Replies: 71
Views: 8790

Re: have you accepted a lower cost lifestyle to retire early?

be cautious about making these decisions at the current height of a long bull market. If we go in to a bear, and one was down 35%, would one feel the same way. this is the issue to think about. You dont know, but its been a good run..
by sambb
Sat Apr 29, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 19818

Re: Any regrets living a frugal life for high income/high networth individuals?

Its interesting that people think that some spend money to keep up with the jones. There is also the possibility that the individual spenders may actually like what they buy, regardless of the joneses. I definitely like buying certain things. I wont shop in a thrift store as someone mentioned earli...
by sambb
Sat Apr 29, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 11558

Re: Microsoft, I want my computer back!

i like win 10, but macs are even easier for these issues.
by sambb
Sun Apr 23, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 19818

Re: Any regrets living a frugal life for high income/high networth individuals?

Its interesting that people think that some spend money to keep up with the jones. There is also the possibility that the individual spenders may actually like what they buy, regardless of the joneses. I definitely like buying certain things. I wont shop in a thrift store as someone mentioned earlie...
by sambb
Sun Apr 23, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 19818

Re: Any regrets living a frugal life for high income/high networth individuals?

I am so glad that i didnt live frugally. I went to vegas with friends in my 20s, great dates with significant others, and great vacations, all sorts of other things. I dont think that it would have been as much fun in my 60s. I am so so happy that I blew some money, and that i continue to blow some ...
by sambb
Sat Apr 22, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 96
Views: 11065

Re: Single most important investing advice?

Savings rate and asset allocation matter far more than expense ratio.
But expense ratio is talked about way more than savings rate on some forums.
by sambb
Wed Apr 19, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36762

Re: Larry Swedroe says "Goodby."

investment advisors and companies get attacked here- edward jones is one i see often. Thanks for any advice offered to all,
by sambb
Mon Apr 17, 2017 9:14 pm
Forum: Investing - Theory, News & General
Topic: Janus Unconstrained, almost three years in...
Replies: 27
Views: 3499

Re: Janus Unconstrained, almost three years in...

munemaker wrote:Did you have a question about this?


is this thread actionable? i dont see the point. Nice information, but can we just post anything about any funds performance without a question?
by sambb
Mon Apr 17, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: taxes- electronic acceptance, but need to mail
Replies: 3
Views: 332

taxes- electronic acceptance, but need to mail

I need to mail my tax check. is it reasonable to drop it in a mailbox tomorrow? is the postmark ok for being on time? My return was accepted electronically.
by sambb
Sun Apr 16, 2017 3:51 am
Forum: Personal Consumer Issues
Topic: Insurance, doctors and writing off owed money
Replies: 21
Views: 1855

Re: Insurance, doctors and writing off owed money

or, just pay for services rendered.
by sambb
Sat Apr 15, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 11369

Re: My kids don't care about saving

I am so glad I blew my money in my 20s on trips like backpacking to Europe or dating or hanging out in Vegas. It was so fun. Wouldn't do it in my 40s. And I had a gr at car too. It was fun. I couldnt care less that I don't have that money now.
by sambb
Wed Apr 12, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Charging Bull and Fearless Girl
Replies: 10
Views: 1578

Re: Charging Bull and Fearless Girl

If the bull was a bear, then the bull's artist wouldn't seem to have as much a point. But I side with him. "Fearless Girl", as wonderful as it is, detracts from the artist's intended message conveyed by the bull. I'm sure there are no shortage of other places in NYC where 'Fearless Girl&q...
by sambb
Sun Apr 09, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 198
Views: 94680

Re: A time to EVALUATE your jitters

sometimes tolerating the risk helps, but sometimes it can be fatal (Japan hasnt recovered in several decades). Past performance does not guarantee future results. Stay the course usually works, but not always. War worldwide, widespread pestilence, breakdown of economics, generational shifts, can cha...
by sambb
Fri Apr 07, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8869

Re: Buying expensive car, how to keep payments low?

seems like a lot of posts here are off the OP's topic For the OP, to lower the cost, you need to lower the price of the car - buy a demo, etc. or you could lease, which will lower the payment, but you wont own the car. On the other hand leasing might appeal to you, because if you are overextended, t...
by sambb
Sat Apr 01, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7296

Re: Is anyone decreasing % of bonds this year?

since the interest rate annoucement was made in mid-march, bonds have gone UP
For years here, people have said that interest rates were at a historic low, and to consider other things
I am so glad i didnt listen over the last 5-7 years to the chatter
by sambb
Tue Mar 28, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Parents offering to invest $300,000 in my name as graduation gift; initial thought is to invest in a house?
Replies: 33
Views: 2925

Re: Parents offering to invest $300,000 in my name as graduation gift; initial thought is to invest in a house?

Put it into vanguard balanced index, and dont touch it for 40 years, or until you learn about investing for minimum 5 years. Or, put it into total stock market and dont touch it ever. Or invest in yourself - grad school, MBA school, etc. if needed for your career. Lots of nuances but if you put the ...
by sambb
Sun Mar 26, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6827

Re: Blog on emerging Markets, and investors underweighting them

I am thankful i dont listen to all of bogle's or buffet's advice. I have had a nice run with EM since I overweighted.
by sambb
Sun Mar 26, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 12443

Re: Do you have enough? How I realized yeah I do.

It is much easier to think one has enough, when the market is at a multiyear high after a long bullrun. I wonder if people would feel the same way if the dow was down 30%-40% from current highs, and in a bear market. With housing prices down, etc.
by sambb
Wed Mar 22, 2017 5:55 am
Forum: Personal Consumer Issues
Topic: Car Vandalism During Cross-Country Drive
Replies: 41
Views: 3456

Re: Car Vandalism During Cross-Country Drive

if you are that worried, then ship your possessions.
by sambb
Tue Mar 21, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15557

Re: "Millionaire Next Door" Net Worth Formula

outside of massive changes in income or life events, I find the formula to be reasonable. Not perfect, but not bad.
by sambb
Mon Mar 20, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Harvard endowment beats S&P 500 by 2% a year over last 40 years
Replies: 50
Views: 6202

Re: Harvard endowment beats S&P 500 by 2% a year over last 40 years

I dont hold Harvard or Warren Buffet in high regard for their "skill" - there is always going to be someone a few deviations above the mean. Great for them though, and congrats to them. I believe that 1/16000 investors is about 4 deviations above the mean in a random sample.
by sambb
Sat Mar 18, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: youtube monetization side gig - taxes and write off
Replies: 0
Views: 266

youtube monetization side gig - taxes and write off

Does anyone's job include being a youtuber? There are all sorts of tax cosnequences to this, for writing off income as a business expense. Any resources that could be suggested, so i can maximize income and take appropriate deductions for gear,etc.
by sambb
Fri Mar 17, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 6387

Re: Endless Job Interviews (with same company)

I would also submit the chance that one of the references has added some "off the record" information that changed the interviewer's view of the applicant. Seen this a few times.
by sambb
Tue Mar 14, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: My Financial Picture - Can you give me some feedback?
Replies: 11
Views: 1543

Re: My Financial Picture - Can you give me some feedback?

many will help you, but it helps to have fund names instead of symbols
by sambb
Mon Mar 13, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Just got my annual review today
Replies: 23
Views: 4704

Re: Just got my annual review today

I find that on BH, most employees who complain here, seem to feel undervalued by their employers. Remember that a feeling of being undervalued may be real - that you are better than your employer thinks.. OR, one feels undervalued because they have an inflated sense of value that doesnt jive with th...
by sambb
Sun Mar 12, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 15673

Re: How Much in Your Emergency Fund And Is It Used?

agree. emergency fund is one of the dumbest things i did, since i have money in taxables and could take out credit. Really dumb that i kept 6 months of expenses in it for so long.
by sambb
Sun Mar 12, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: How frequently is it okay to check in with an investment advisor?
Replies: 22
Views: 1497

Re: How frequently is it okay to check in with an investment advisor?

run away from that advisor
put your money in a balanced fund and learn for decades, or leave it there.
by sambb
Sun Mar 12, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Forced role change, what would you do?
Replies: 38
Views: 2746

Re: Forced role change, what would you do?

to truly understand the decisions that are made by employers, you have to look at what is best and easiest for the employer to maintain their business in the priorities they have, with minimal fuss. If that means changing your role, then that is what they owe to their owners or shareholders, if the ...
by sambb
Sun Mar 12, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Cash Instead of Bonds
Replies: 8
Views: 876

Re: Cash Instead of Bonds

people have been saying for 5 years here that bonds are at a low and they are worried, in the interim bonds did well
Bond prices were much higher last year than now
I see no need to time the bond market
by sambb
Sat Mar 11, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 67
Views: 7391

Re: Why do reviewers love the Dell XPS 13 but users don't?

had the xps 13
couldnt stand it
terrible trackpad
screen glare

much more happy with macbook or lenovo products
by sambb
Thu Mar 09, 2017 2:33 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 17988

Re: Sitting on cash....Waiting for a crash

For the OP: Nothing wrong with rebalancing to a lower allocation if you arent comfortable with current values.
by sambb
Tue Mar 07, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: Asset Placement Turned Upside Down, Bonds in Taxable?
Replies: 51
Views: 4132

Re: Asset Placement Turned Upside Down, Bonds in Taxable?

I have plenty of bonds in taxable, especially tax exempt bonds. The wiki on this, in my opinion, doesnt go far enough in stating the variances.
It is not always preferred.
Furthermore, it is harder to assess if we dont know capital gains rates in the future, or income tax rates.
by sambb
Sun Mar 05, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Poll: For those 20 yrs away from retirement, what is your current asset allocation and future changes?
Replies: 33
Views: 2024

Re: Poll: For those 20 yrs away from retirement, what is your current asset allocation and future changes?

Im 60S/40B Can rarely go wrong with that allocation after a 5-7 year bull market. Would be more aggressive, but concerned about inevitable market pullback. 60/40 is my risk tolerance in this market at this time. My risk tolerance may change if things are different in the market. Ideally I'd like to ...
by sambb
Sat Mar 04, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Personal assistants for work
Replies: 20
Views: 1346

Re: Personal assistants for work

Can oay hourly, for less skilled labor (shopping, tasks) can outsource electronic issues, word processing etc also Lots of people who DIY, dont really see the value of an ROI. For me, the time investment may not justify doing things myself. For example, I dont grow my own vegetables - I buy them. Bu...
by sambb
Thu Mar 02, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: VASGX .. to stay or go..
Replies: 29
Views: 1837

Re: VASGX .. to stay or go..

I would stay with one fund until 100k invested in tax deferred. If you can stay the course to that level, then you are ready.
by sambb
Wed Mar 01, 2017 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 84
Views: 6353

Re: Vanguard: THE WORST BROKERAGE. Stay away

Its unbelievable. It continues to point to inept management in caring about its own clients.The fact that so many threads are showing up with this poor customer service are amazing and sad. But is there a larger problem we are unearthing? One has to wonder if there is some sort of unknown scam, or s...
by sambb
Tue Feb 28, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Where to go when stocks, bonds overpriced
Replies: 53
Views: 5325

Re: Where to go when stocks, bonds overpriced

People (here also) have been saying that bonds are at a low for the last 5 years. Cant time the market.
by sambb
Tue Feb 28, 2017 5:07 am
Forum: Investing - Theory, News & General
Topic: Buffett interview Monday 2/27
Replies: 38
Views: 4484

Re: Buffett interview Monday 2/27

isnt buffet a very senior individual who is still a stock picker and active manager?He market times also? I will pass on his interviews.

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