Search found 1953 matches

by sambb
Thu Feb 22, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: 403 switching with TIAA from Vanguard
Replies: 3
Views: 162

403 switching with TIAA from Vanguard

In the past, my 403 offered primary services and funds via TIAA or vanguard. 2 years ago, they moved everyone to TIAA, but allowed investing in Vanguard funds via TIAA. We just received a letter that the 403 is now going to limit fund choices, but it didnt state if it was going to get rid of vanguar...
by sambb
Wed Feb 21, 2018 4:27 am
Forum: Personal Consumer Issues
Topic: frustrated with patek philippe poor service
Replies: 29
Views: 2379

Re: frustrated with patek philippe poor service

didnt realize people wear watches anymore - iphone tells the time well. I have owned lange, rolex, patek, etc. Sold them all in the last 10 years, as most people i know dont wear watches anymore (except smart watches). For some, who still like them, and like newspapers, record players, etc. etc., th...
by sambb
Tue Feb 20, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 92
Views: 8713

Re: Bogleheads with $100K+ MSRP cars?

Yes but is the GT3 really that much worse than the TTS on the roads?
Both can be had in the 100+ range with pdk
by sambb
Mon Feb 19, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 92
Views: 8713

Re: Bogleheads with $100K+ MSRP cars?

I have a Porsche 991 GT3. I bought it 2 years old with 2k miles, but it was only about $5k below MSRP. Prices have dropped ~10-15% since the new 991.2 came out though. It's an incredible addiction. Before my winfall I bought a new 2011 Challenger, first new car I've ever bought for myself (at 35yo)...
by sambb
Sun Feb 18, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take you to get an official offer after clearing the interview process? Any delays?
Replies: 13
Views: 787

Re: How long did it take you to get an official offer after clearing the interview process? Any delays?

Sounds like a budget issue, legal issue, new manager issue, realignment issue.. You may end up with no offer. 2 months is very usunual UNLESS this is c-suite or high level executive
by sambb
Sun Feb 18, 2018 1:37 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6727

Re: Sell me on the benefits of an emergency fund

Im sure people here will talk about all the emergencies that could happen, but in reality, having the fund was a terrible decision for me, and i got rid of it. I have significant taxable holdings, and a few credit cards. YMMV
by sambb
Thu Feb 15, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 80
Views: 8984

Re: Can someone help me explain to my wife...?

She could be right about the market. she could be wrong. Sounds like risk tolerance has changed and she may want some to balance out.
by sambb
Mon Feb 12, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: I think US interest rates could drop.
Replies: 62
Views: 6617

Re: I think US interest rates could drop.

Might be a really good time to rebalance out of some stock gains from the last few years, and catch bonds trading near their 52 week lows. Of course, might not. But it is a soemthing to consider if your risk tolerance has changed and you want to take profits off the tbale
by sambb
Sat Feb 10, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: I still know nothing - 22 years of REALLY lazy investing
Replies: 23
Views: 4738

Re: I still know nothing - 22 years of REALLY lazy investing

Go with life strategy moderate and check back in 10 years.
by sambb
Wed Feb 07, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5192

Re: What time do you go to work?

530 am
by sambb
Tue Feb 06, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 127
Views: 8865

Re: Torn between Vanguard, Fidelity and Schwab

Vanguard is inferior to Schwab and I wouldn’t consider vanguard given the leadership problems there with regards to failure to address customer service and It issues.
by sambb
Mon Feb 05, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 127
Views: 8865

Re: Torn between Vanguard, Fidelity and Schwab

would avoid vanguard given the IT problems, the lack of intervention by their leadership, and their IT issues in down days
Would say yes to vanguard if you buy and hold and never need any customer service, and dont mind IT problems
by sambb
Mon Feb 05, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: "A Target-Date Fund Series Wins Gold"
Replies: 35
Views: 3909

Re: "A Target-Date Fund Series Wins Gold"

Would far prefer a four fund or target over the three fund portfolio. 3 fund has its limitations. Past performance does not guarantee future results,
by sambb
Mon Feb 05, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14613

vanguard website crash and risk with staying there

[Thread merged into here, see below. --admin LadyGeek]

Given the vanguard website crash (not seen in fidelity or schwab), is this yet another example of the IT risk with vanguard? Does this mean we should diversify to more than one firm? Concerning?
by sambb
Sat Feb 03, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Life Balance of spending and saving
Replies: 54
Views: 4556

Re: Life Balance of spending and saving

do it if living in southern state
by sambb
Sat Feb 03, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: John Bogle and Japanese Stock market.
Replies: 33
Views: 3035

Re: John Bogle and Japanese Stock market.

bogle is probably wrong sometimes. as he canr predict the future.
by sambb
Wed Jan 31, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 7897

Re: I have an overwhelming gift I'm in need of help of please.

Pay off your house and be done with the issues. Never a bad decision.
by sambb
Tue Jan 30, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1541

Re: Paris Hotel Recommendations

westin vendome, hotel keppler, or le meurice. plaza athenee nice also
by sambb
Mon Jan 29, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling Locked into a Job
Replies: 26
Views: 2978

Re: Feeling Locked into a Job

before you presume your workplace is dyfunctional and toxic, you have to evaluate if you are contributing to that. I would not pay the $$.
by sambb
Mon Jan 29, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Should I join my local Freemasons?
Replies: 31
Views: 4881

Re: Should I join my local Freemasons?

Should I join my local Freemasons? Pros and cons? Would it help me with business contacts/opportunities (I'm also an entrepreneur)? Is it worth it or just a waste of time? Any dangers? Are then any Bogleheads who are also Freemasons? Please advise me. Thanks. Take up golf. Don't have to be good at ...
by sambb
Sun Jan 28, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review. 36yo: been in cash/bonds a long time, need guidance.
Replies: 29
Views: 2922

Re: Portfolio review. 36yo: been in cash/bonds a long time, need guidance.

if you are in your 30s, i would do target retirement 2050 or so, and be done with it. You dont have to worry about a crash now, it will be in the market for 20 years.
by sambb
Sun Jan 28, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: "Muni Bonds Time Bomb" Barron's
Replies: 47
Views: 4829

Re: "Muni Bonds Time Bomb" Barron's

Captain kangaroo wrote:
Sun Jan 28, 2018 3:36 pm
So what is the alternative to munis then for those now in a high net worth taxable portfolio? Short term treasuries?
wondering the same
by sambb
Sun Jan 28, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8713

Re: WHY do wireless routers need periodic reboots?

have never had to reboot my apple system ever
by sambb
Sun Jan 28, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 3926

Re: Certified Used BMW, Audi or Mercedes

never had a problem with many CPO cars - BMW, porsche, and even the new exotic programs
by sambb
Sun Jan 28, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2326

Re: Keeping a new BMW shiny!

whcih bmw? hope it is awesome - have owned several, loved all of them, rarely had a problem
by sambb
Sat Jan 27, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: I don't think my lady is very good at saving money, how do I handle?
Replies: 50
Views: 3883

Re: I don't think my lady is very good at saving money, how do I handle?

some people like to spend today, others like to spend in the future and save today
they arent always able to see eye to eye
by sambb
Sat Jan 27, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: What are some examples of uncompensated risks in international investing?
Replies: 7
Views: 664

Re: What are some examples of uncompensated risks in international investing?

the uS can have corruption also (enron)
most US companies are international
by sambb
Thu Jan 25, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 6814

Re: Turn 75,000 into 1 million

fairly easy to do, if you take some risk. A few examples: I invested in apple when the first iphone came out. THere was a noticeable difference between people who owned one, and people on the news and in forums that thought the blackberry was it. They didnt have the information. Iphone was light yea...
by sambb
Thu Jan 25, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times
Replies: 29
Views: 5089

Re: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times

frugality is a nice thing no matter what age one is, but i dont see any outstanding qualities to that generation over any current ones. In a time of economic downturn, people eventually tighten things up, i bet. The article's emphasis on frugality is a good lesson for all peoples.
by sambb
Wed Jan 24, 2018 2:48 am
Forum: Investing - Theory, News & General
Topic: Bogle: there is nothing special about value, so why bet on it?
Replies: 26
Views: 2482

Re: Bogle: there is nothing special about value, so why bet on it?

sounds like bogle is using past performance to guide future results. i dont see how that is possible - i have always read that past performance does not indicate future results. hmmm
by sambb
Wed Jan 24, 2018 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Employer Being "Bought Out" By Another Company
Replies: 20
Views: 2229

Re: Employer Being "Bought Out" By Another Company

people often blame the employer when things happen after a buyout or merger. i think the best advice is to ensure that you strongly contribute to the mission of the company and that you can evolve to fit into new roles or positions. change can happen
by sambb
Wed Jan 24, 2018 2:25 am
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 278
Views: 50257

Re: I'm Calling an Emerging Markets Bottom

The OP made a great call on this thread, given the callan tables, how does one feel going forward? EM continues to be strong.
by sambb
Wed Jan 24, 2018 2:13 am
Forum: Investing - Help with Personal Investments
Topic: When does your portfolio start taking on a life of it's own?
Replies: 3
Views: 730

Re: When does your portfolio start taking on a life of it's own?

usually happens during a strong bull market, if that is occurring to you. can happen on the downside as well. 2008-9, or japan for 20 years.
by sambb
Tue Jan 23, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3654

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

I am not the least bit freaked out. For awhile now, >1 year, the market has been on a tear. Obviously investors have confidence in the US market, as they have placed money in it. I dont know what happened (and this is not a political comment), but something has happened in the last year to increase ...
by sambb
Sun Jan 21, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: Starting LATE for retirement
Replies: 31
Views: 2476

Re: Starting LATE for retirement

save as much as you can, and invest in stock funds, plan on working longer. cut expenses now.
by sambb
Sun Jan 21, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Dumb to use Vanguard Target date funds in Roth IRA?
Replies: 10
Views: 1062

Re: Dumb to use Vanguard Target date funds in Roth IRA?

I think it is very very smart to use target in Roth funds. The expense ratio is very very low and your question shows me it would be best to use them and not tinker or complicate things.
by sambb
Sun Jan 21, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 62417

Re: What's your one big takeaway from the Crash of 2008?

interesting in the thread, how many people didnt rebalance in.
However, BH say you should rebalance and lump sum new monies in.

personal Philosophies often change in a bear market
by sambb
Sun Jan 21, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: A 4-5% rebalance to bonds barely budges risk/return
Replies: 43
Views: 3538

Re: A 4-5% rebalance to bonds barely budges risk/return

past performance has no bearing on future results, i dont know if it matters what the difference was in the past
by sambb
Sun Jan 21, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 7633

Re: Lost money through Bitconnect scam - learned my lesson

scams happen everywhere, even the s&p (enron) be careful But Enron was a small part of the S&P500 so even though one company went out of business the other 500+ did not. That's the protective benefit of diversification. Not to mention if you have international investments and bonds, you've got even...
by sambb
Sat Jan 20, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 7633

Re: Lost money through Bitconnect scam - learned my lesson

scams happen everywhere, even the s&p (enron)
be careful
by sambb
Sat Jan 20, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help Late Early Accumulators Be Comfortable Right Now with (Bogle-appropriate) Aggressive AA
Replies: 30
Views: 1950

Re: Help Late Early Accumulators Be Comfortable Right Now with (Bogle-appropriate) Aggressive AA

this second guessing tells me you should be in target retirement of your age at 65, set it and forget it. youll be happy you did this in 20 years
by sambb
Sat Jan 20, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy Growth and Total Stock market -Roth
Replies: 10
Views: 833

Re: Lifestrategy Growth and Total Stock market -Roth

i would use target fund, set it and forget it, look at it in 20 years
by sambb
Sat Jan 20, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7680

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

Something has happened in the US that has caused stock markets to skyrocket in the last year, i am not referring to politics or anything else, but the facts are the facts - something has caused buyers to buy. I dont think the 4% move is odd. I am staying the course, and investing per my allocation, ...
by sambb
Fri Jan 19, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Accounts
Replies: 22
Views: 2374

Re: Edward Jones Accounts

pick the year you want to retire, then pick the target retirement fund, then youre done
by sambb
Wed Jan 17, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5367

Re: To the doctors on the forum

why would a doctor know? they dont own the mri! Does the doctor know how much your gym membership is, when they tell you to diet and exercise? do they know the cost of your food when they tell you to diet? if you want the price, ask the owner of the mri machine. The doctor can tell you the cost of a...
by sambb
Wed Jan 17, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Bullied Me
Replies: 32
Views: 4851

Re: Vanguard Advisor Bullied Me

If you read here, vanguard has serious customer service issues. i would do a target fund and drop the advisor.
by sambb
Tue Jan 16, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets equities went sideways for 50 years 1920-70
Replies: 24
Views: 2165

Re: Emerging Markets equities went sideways for 50 years 1920-70

Past performance has no bearing on future results - but thanks for the history lesson to the OP.
by sambb
Mon Jan 15, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong?
Replies: 7
Views: 1216

Re: What am I doing wrong?

4-8% per year isnt bad for index funds. If you are looking for 20-30% a year, traditional stock index funds are not your best bet. Seek to start a business or speculative real estate, or concentrate holdings in the right stocks.
by sambb
Mon Jan 15, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Changing Vanguard 3 Fund Portfolio to 2 fund portfolio?
Replies: 9
Views: 1352

Re: Changing Vanguard 3 Fund Portfolio to 2 fund portfolio?

Or just use a one fund target retirement fund and be done with the issue for the next 30 years in a tax deferred account.