Search found 1485 matches

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: 2417

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: 5919

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: 70
Views: 10086

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: 3276

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: 14107

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: 5940

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: 216

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: 5998

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: 10
Views: 1156

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: 4461

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: 14726

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: 1364

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: 2568

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: 804

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: 6789

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: 17152

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: 3874

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: 1821

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: 1258

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: 1642

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: 5827

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: 4960

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: 4122

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.
by sambb
Mon Feb 27, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4917

Re: Should we wait before buying in?

there is nothing wrong with waiting or slowly entering the market to get comfortable. If there was a crash, you might benefit. if the market goes up, you may have some regrets. Do what you are comfortable with, that matters more than anything. Nothing wrong with going in with 5-10% per month as you ...
by sambb
Sun Feb 26, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 7181

Re: Used German Luxury vs New Japanese

ive owned everything - exotics, and hondas, and evertyhing in between.
Ifyou have the means, I would buy a BMW 2 years out, off lease, and perhaps CPO.
Enjoy it. I fyou have to go back to japanese later, then do it. But try the BMW. Its fun! (or mercedes)
by sambb
Sun Feb 26, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendations?
Replies: 33
Views: 4008

Re: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendation

If some major event happens, international can save you.
Japan hasnt recovered yet - for decades. I bet those investors wished they had put money outside their country.
Same could go for natural disasters, war, pestilence that is focused in one area
by sambb
Fri Feb 24, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 42
Views: 5105

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: 1774

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: 42
Views: 5105

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: 929

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: 42
Views: 5105

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: 5047

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: 6988

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: 8895

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: 15419

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: 20947

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: 2760

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: 4403

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: 20947

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: 1579

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: 2544

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: 14406

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: 1426

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: 4917

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: 4959

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: 2544

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: 676

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: 3285

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

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