Search found 1458 matches

by sambb
Fri Feb 24, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 40
Views: 4352

Re: Tesla Model X Review, 2 Months In

after fixing, i woudl strongly consider selling it. I think depreciation will make the care worthless in a few years.
by sambb
Sun Feb 19, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: 70/30
Replies: 14
Views: 1691

Re: 70/30

i've heard for several years now, on this board, that interest rates are at a historic low, and that bonds were bad.
I am glad i didnt time the market, and stayed in my bond funds.
by sambb
Sun Feb 19, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 40
Views: 4352

Re: Tesla Model X 2 Months Review

Yes, my family member went on the tesla forums. I didnt get into it, but the heat from the car was also so so weak in the midwest climate, that in cold weather it is hard to heat the car's cabin. The forums said to use the seat heaters - duh, he was, but it was not nearly warm enough. The kids in th...
by sambb
Sun Feb 19, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VSMGX [LifeStrategy Moderate Growth]
Replies: 8
Views: 859

Re: Vanguard VSMGX [LifeStrategy Moderate Growth]

Based on your question, and the information provided, I think you shouldnt move a thing. The 60/40 split is reasonable, very reasonable. If you just invested in this, and nothing else, you would probably do better than the mistakes most investors make. You just wont have huge returns either. It is a...
by sambb
Sun Feb 19, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 40
Views: 4352

Re: Tesla Model X 2 Months Review

I had a family member who had a tesla S. He got into a very very minor fender bender, something so small. It took tesla 6 months to get the parts, and they never had him informed. Not some complex internal part, but just screws, etc. He also noted that the cold weather performance with the battery w...
by sambb
Sat Feb 18, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4736

Re: Bonds Are Riskier Than You Think? Article implications for today?

why do people time the bond market?
For years, years, i have seen posts that say we are at a historic low in interest rates, and move to short term bonds or CDs

Turns out, that woudl have been a mistake, and long term did better

Amazing market timing here, and so common
by sambb
Wed Feb 15, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 6410

Re: Credit cards vs. Cash

credit vs cash? Depends on so many factors. Credit for me is easier. I dont care if i spend more or less. I buy what i want to buy after saving what i want to save. If i spend more or spend less, who cares. My savings goal is achieved, and the rest is not relevant. I am logical enough to know that c...
by sambb
Sat Feb 11, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 8670

Re: Saved too much? What do you splurge on?

business and first class tickets over the atlantic and pacific - worth every penny to me
love Emirates First
by sambb
Sat Feb 11, 2017 4:49 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14767

Re: Why do you go to restaurants?

if tips cause uncertainty then there may be a bigger issue
restaurants are great roi on time and effort
by sambb
Fri Feb 10, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20026

Re: Wow, Vanguard Flagship service is bad. Really bad.

I've got what I assume will be a simple creation of a new account and transfer of an existing tax deferred IRA (old employer) from my current institution to Vanguard. I'll be retiring an a few months and will transfer my existing 401k to the Vanguard account. It's certainly a bit un-nerving given t...
by sambb
Fri Feb 10, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 2610

Re: How do Bogleheads buy phones?

My ROI on an iphone justifies its cost easily. I would pay 5000 for it if i had to. It is that valuable.
Its not about cost, its about ROI to me. I upgrade often. love it and use it constantly. For everything,
by sambb
Fri Feb 10, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 4203

Re: When to invest- fear of crash

You need to put your money into one fund - wellesley or wellington or taxmanaged balanced or LS conservative growth, and forget about the money. People will criticize the taxes, etc. Doesnt matter . You would do far better financially and behaviorally. And yes, we are long overdue for a bear market....
by sambb
Wed Feb 08, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20026

Re: Exec email at Vanguard?

Does anyone know of an email address for the CEO or exec office at Vanguard? I do not see any method of communicating my displeasure to the execs. I think this is not an issue of bad people at the lower levels, but rather bad management decisions at the top level. I want to let them know how badly ...
by sambb
Sun Feb 05, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting signing NDA
Replies: 21
Views: 1515

Re: Employer requesting signing NDA

I would sign it. Small industry means loyalties are known. Long term reputation matters. Its not always about you - there may be a greater corporate purpose. And your sacrifice may be important for the long term, references, etc. Doubtful that there is some information that would prevent you from be...
by sambb
Sat Feb 04, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2496

Re: Lexus PreCollision Safety System (auto braking)

I am 77 and just bought a new car without all these new protection type features. I thought I drove well over 55 years without accidents caused by me, and could do another 10 years. I wonder how these programs work i.e. at 65 mph quitting time traffic on an expressway, or at lower speeds with cars ...
by sambb
Sat Feb 04, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 84
Views: 14204

Re: Two Comma Club

there used to be a neat net worth survey that was so helpful in seeing some other's numbers.
1M is a neat milestone i suppose, congrats
by sambb
Sat Feb 04, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Starting roth - 65%stock/35%bonds too conservative @ 28years old?
Replies: 14
Views: 1386

Re: Starting roth - 65%stock/35%bonds too conservative @ 28years old?

age in bonds is perfectly reasonable, esp after a 7 year bull market
by sambb
Sat Feb 04, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 4805

Re: Walmart.com vs. Amazon.com

id rather spend more money and go with amazon, they are so easy to deal with, and they are the future
by sambb
Sat Feb 04, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 61
Views: 4725

Re: Does anybody else out there still pay for an email address?

it all depends on the value of your time
by sambb
Fri Feb 03, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2496

Re: Lexus PreCollision Safety System (auto braking)

get it, game changer
by sambb
Tue Jan 31, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: AAPL stock
Replies: 4
Views: 644

AAPL stock

Congrats to those with AAPL or with index 500 or tsm funds - nice bump maybe tomorrow on AAPL earnings. nice!
What will the influence of AAPL be on the broad index funds?
by sambb
Tue Jan 31, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash w present instability
Replies: 24
Views: 3232

Re: going to cash w present instability

I dont think it will matter that much for you, at age 85.
You'll be ok either way
by sambb
Mon Jan 30, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 7981

Re: Is joining a country club a character flaw?

there is nothing wrong with spending money if it helps you, and it fits into your retirement plans. i have no problem with nice cars, expensive luxuries, as long as you can afford it and still save. For example, i far prefer business class tickets over the ocean to coach - it is worth it for me. You...
by sambb
Mon Jan 30, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Stocks Down - My Fault
Replies: 26
Views: 3973

Re: Stocks Down - My Fault

After long bull market, wonder if this is the bear showing up. Who knows..
by sambb
Sun Jan 29, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Need a good commuter car fairly soon
Replies: 85
Views: 6177

Re: Need a good commuter car fairly soon

camry or accord is always the right answer, generally speaking - reliable and good resale if you get bored with it.
rarely go wrong with those models
by sambb
Sun Jan 29, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 5189

Re: Please tell me if I can afford this Porsche

yes you can afford it.
I had a porsche, loved it, wish i had it at your age.
Go for it, and save along the way.
Enjoy it, you deserve it.
And i would spend more than 75k. Get a GTS model instead for a little more, and get it all out of your system!
by sambb
Sun Jan 29, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3773

Re: Input on Apple Watch-Buy or Not?

I like mine a lot - but I will say that I enter a lot of stuff on a calendar on my email exchange and so the watch does the following: 1) keeps my calendar 2) quickly answer texts without my phone 3). Allows me to be "connected" without a way to check the web or to surf. Maybe for some th...
by sambb
Sun Jan 29, 2017 7:16 pm
Forum: Investing - Theory, News & General
Topic: Try and hit it big with 25% of your portfolio?
Replies: 51
Views: 4948

Re: Try and hit it big with 25% of your portfolio?

Nothing wrong with trying to hit it big with 25% of your portfolio, as long as you are prepared to live on the 75%. It is just extra money if the 75% is good enough for oneself. It depends on the individual case. its not what i would do now, but i paid off my house due to a big gain in an individual...
by sambb
Sun Jan 29, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Car Guy question
Replies: 61
Views: 5813

Re: Car Guy question

i have owned all sorts of imports including audi, supercars, and other exotics. I have also owned routine mass produced sedans. Your audi is doing well. No problem to keep it. On the other hand, as a car guy, you might get the itch to upgrade. If you can afford to upgrade, then why not - go for it. ...
by sambb
Sat Jan 28, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What is it like to be wealthy?
Replies: 7
Views: 1712

Re: What is it like to be wealthy?

Most americans are "wealthy" by global standards. I have traveled to parts of the middle east, asia, afirca, and south america. There are areas in which People have no electricity, there is child abandonment, slavery, and worse. People are trying to survive. Visit the slums in one of these...
by sambb
Sat Jan 28, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3773

Re: Input on Apple Watch-Buy or Not?

definitely Buy. amazing technology. No doubt about it.
by sambb
Sat Jan 28, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Risk tolerance when you meet your number
Replies: 106
Views: 9718

Re: Risk tolerance when you meet your number

i would jsut go 60/40 and stay there.
by sambb
Sat Jan 28, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: The market knows, except for mutual funds
Replies: 39
Views: 3280

Re: The market knows, except for mutual funds

Perhaps The best way to beat the market is not to invest in a downturn. Unfortunately, this is difficult to do, as it relies on prediciton.. Asset allocation trumps the other things maybe.
by sambb
Thu Jan 26, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: Fidelity for Bogleheads?
Replies: 21
Views: 2315

Re: Fidelity for Bogleheads?

smart move to go with fidelity instead of vanguard - vanguard has some serious customer service and IT issues, and unclear if management understands or cares. I know you are ok with risk, but i would still go 1/3 total market, 1/3 intl, 1/3 bond. The reason is that with this money, you wont have to ...
by sambb
Thu Jan 26, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 66
Views: 4625

Re: Help, please, on new salary negotiations

If you are serious about the new job, you eventually will have to move there to move up.
by sambb
Thu Jan 26, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington long term details Vs Indexes
Replies: 13
Views: 1915

Re: Wellesley and Wellington long term details Vs Indexes

people have been telling me for years that interest rates were at historic lows, and to invest in short term bonds. Years. Meanwhile, total return has been better in long term bonds for the same period of years. Im glad I didnt listen to people and invested in the intermediate term and long term bon...
by sambb
Wed Jan 25, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1863

Re: Why is Vanguard not answering the phone

I have learned here and have experienced that vanguard has some very serious flaws in its ability to handle customers, complaints, and provide information. It is subpar by modern standards of several people here. The bigger problem is whether or not management understands this and is trying to corre...
by sambb
Wed Jan 25, 2017 3:21 am
Forum: Personal Consumer Issues
Topic: iPhone: Are Apple Maps as good as Google Maps?
Replies: 30
Views: 2840

Re: iPhone: Are Apple Maps as good as Google Maps?

iphone has google maps as an app
iphone is amazing. I had a top end android samsung once. never again.
by sambb
Mon Jan 23, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 6783

Re: What is a good laptop to buy?

macs - last longer and better resale, better uptime, etc. Would definitely consider a macbook. Price is higher and worth every penny. 17 not available though.
by sambb
Mon Jan 23, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 3911

Re: Is Little League Slowly Dying?

Soccer is getting bigger. Video games are the same, may not be a factor.
Little league seems a little 1970s to us at this point, and a little boring to many parents we know.
by sambb
Thu Jan 19, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 54694

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

In reading this thread, I am still unclear on why it is frowned upon, to buy nice things if you can afford them. who cares if someone buys a BMW - I'm happy for them. And a Honda pilot can cost more than a mercedes, as can a ford f150 Having stayed in some nice hotels in my life, i can say they are ...
by sambb
Mon Jan 16, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: What's a bearish investor to do?
Replies: 33
Views: 4260

Re: What's a bearish investor to do?

your hedge is that you are at 40% equities, which is low, and with 60% in something else, you are hedged. Seems like you are comfortable with 40%. You're done if thats the case. Stay with it.
by sambb
Mon Jan 16, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Collision Avoidance Systems
Replies: 19
Views: 1659

Re: Collision Avoidance Systems

and they are not only about collision avoidance. Sometimes, they also can decrease damage, even if a collision happens, by braking, etc.
a 1999 camry doesnt have these things
by sambb
Mon Jan 16, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Staying the course...but cheating a bit along the way
Replies: 5
Views: 750

Re: Staying the course...but cheating a bit along the way

nothing wrong with investing in opportunities. You might be right.
by sambb
Mon Jan 16, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should people own 2 cars for themselves?
Replies: 21
Views: 2915

Re: Should people own 2 cars for themselves?

more expensive to have 2 cars? Sure. Did I care when my second car was a iconic sports car? Heck no. Worth every penny, and perfect complement to my daily driver. Some things are just too good to pass up.
by sambb
Mon Jan 16, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10708

Re: Is driving for uber worth it for side money?

Uber is fantastic and I always tip them a little. So much cheaper than a cab. So much more convenient. Love it. Taken it cities around the us and the world
by sambb
Mon Jan 16, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Collision Avoidance Systems
Replies: 19
Views: 1659

Re: Collision Avoidance Systems

love them, wont buy a car without them, and gives me peace of mind and lower liability.
Of course, if one thinks they are a perfect and attentive driver, then they might disagree.

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