Search found 1276 matches

by sambb
Sat Sep 24, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: has anyone leased a luxury/sport car to get it out of their system?
Replies: 14
Views: 1275

Re: has anyone leased a luxury/sport car to get it out of their system?

Yes and bought also and it was awesome. Would def spend the money on it

Net worth and no debt?? No brainier. Buy lease whatever. Enjoy yourself. No doubt.
by sambb
Mon Sep 19, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 198
Views: 17102

Re: The Bogleheads' "100 Things Worth Every Penny" List

iphone
any convertible on a beautiful day
workers who are resilient
fast internet
good movie
by sambb
Mon Sep 12, 2016 6:42 am
Forum: Personal Consumer Issues
Topic: Volvo & Audi SUV owners step in here
Replies: 26
Views: 2189

Re: Volvo & Audi SUV owners step in here

Looks way better to me, but one person's opinion doesnt matter From what i understand, lexus and toyota sales went up after the grill change BH may be a different age or style or modernization demographic than the masses (evidence by the flip phone advocates on here also)! To me there are far far wo...
by sambb
Sun Sep 11, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Three fund vs. four fund portfolio
Replies: 17
Views: 1898

Re: Three fund vs. four fund portfolio

i would also tilt some to emerging markets
by sambb
Sat Sep 10, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 107
Views: 12970

Re: leaving vanguard due to math errors / poor customer service?

i wonder if in vanguards relentless idea of cutting costs, that their IT is antiquated or somehow risky. We will never know, but it just seems so sketchy and no information. I wonder if an external consultant looked at their systems, if they would think they are ok. I am not sure they would. It is a...
by sambb
Sat Sep 10, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 17625

Re: Prospective Employer Wants Salary History & Desired Salary

Have hired several people at executive level if you dont know what you are worth and cant explain your salary, then I am not sure you can handle the business-critical issues in a billion dollar organization. I dont care what you are paid, give me an explanation of why you are underpaid, or tell me w...
by sambb
Tue Sep 06, 2016 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Cannot sell my MLP fund. Am I anchoring? I think I am anchoring.
Replies: 47
Views: 2970

Re: Cannot sell my MLP fund. Am I anchoring? I think I am anchoring.

Sell half. It doesn't have to be an all or none decision.
by sambb
Sat Sep 03, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Next Weekend Car - Dodge Viper to What?
Replies: 65
Views: 4599

Re: Next Weekend Car - Dodge Viper to What?

boxster S, preowned is always a good option, despite lower power
by sambb
Sat Sep 03, 2016 8:01 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11456

Re: Who is ready for iphone 7?

Can't wait for the new iPhone. It's ROI to me is far In Excess of its cost. Cost is only one factor. I get 100x the value of the cost.headphone jack is sort of like a newspaper. Unnecessary and looking forward to its demise.
by sambb
Mon Aug 29, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Which physician job offer would you go for and why?
Replies: 38
Views: 3805

Re: Which physician job offer would you go for and why?

interesting question
I think most "dream jobs" aren't dreams after awhile, in healthcare.
I would decide what is most important to you outside of money - time, family, etc
by sambb
Sun Aug 28, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 133
Views: 8743

Re: Talk me out of 4500 purchase [Camera]

if you can afford to spend it, then do it. You can always resale.
by sambb
Sun Aug 28, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 2139

Re: B&M banking - heading the way of record stores, what to do

B&M is dying for all sorts of things, it is sooo part of the past. Like newspapers, typewriters, letters, and cable tv, and home phone lines.
Evolution is great.
by sambb
Sat Aug 27, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 21692

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: 45
Views: 3157

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: 208

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: 29
Views: 3775

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: 3943

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: 54
Views: 5671

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: 1727

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: 2189

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: 8893

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: 1727

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: 7494

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: 29565

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: 1289

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: 6687

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: 2946

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: 3857

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: 3857

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: 3857

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: 141
Views: 10055

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: 659

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: 141
Views: 10055

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: 3857

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: 5410

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: 3072

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: 3072

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: 3072

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: 2014

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: 2006

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: 5081

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: 7769

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: 252
Views: 23464

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: 4829

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: 4589

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: 8686

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: 3624

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: 3358

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: 2668

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.

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