Search found 1650 matches

by sambb
Mon Sep 18, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Ccleaner (32-bit) had malware payload with legit signed version
Replies: 22
Views: 1563

Re: Ccleaner (32-bit) had malware payload with legit signed version

wasnt aware that a lot of people still used 32 bit, but i guess people do.
by sambb
Mon Sep 18, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 69
Views: 6189

Re: Calling out the not so rich bogleheads

of course lots of wealth here - isnt that how BH end up? We are at the top of a bull market, and people want to be wealthy. If I go to the gym, i see a lot of people who are very muscular and in shape. Sure there are many that arent, but there are alot of people who are. And if you go to a pizza pla...
by sambb
Mon Sep 18, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 759

Re: Car Swap Buy/Sell Timing Strategy

buy subaru outback 1 month after having baby
you will have 18 model, hence valued more, it is safer, and better gas mileage - thus you save the most
by sambb
Sun Sep 17, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate between 401k with expensive fees + Vangaurd
Replies: 31
Views: 1365

Re: How to allocate between 401k with expensive fees + Vangaurd

The expense ratios are really not bad at all. Your asset allocation matter so much more, as does your savings rate. I wouldnt worry about it for a long time.
by sambb
Sun Sep 17, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 52
Views: 3158

Re: What is FI if you love your job?

I've discovered that there are people here really dont like their job (or perhaps any job), based on several threads. I like my job, so i feel less pressure to retire. Its nice. Nevertheless, i understand that not everyone has jobs they like, and that may drive more savings perhaps. I wonder.
by sambb
Sun Sep 17, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 3688

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

i love first class, especially on overseas flights. dont really get why experiences like this are a negative. If you have the means - then go for it - why not!
by sambb
Sun Sep 17, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2402

Re: Vanguard customer service/technology = "Bad returns in Bad times"

I am continued to be disappointed at the leadership failure in vanguard to address so many IT issues and service issues. I assume that this message board is filled with fans of vanguard, and this points to a major flaw in leadership if these systemic issues keep occurring. I hope they get their hous...
by sambb
Sat Sep 16, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: how to protect against tax fraud w/ equifax breach?
Replies: 6
Views: 845

how to protect against tax fraud w/ equifax breach?

I have frozen my credit, but how do i protect against tax fraud from people impersonating to file a tax return?
by sambb
Sat Sep 16, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: cannot freeze at equifax online
Replies: 6
Views: 703

Re: cannot freeze at equifax online

deleted
by sambb
Sat Sep 16, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: cannot freeze at equifax online
Replies: 6
Views: 703

Re: cannot freeze at equifax online

OK it went through, equifax gave me a 10 digit pin, but the other agencies allowed me to choose a pin. Any issues with that? does that sound right?

What do you use to monitor credit reports?
by sambb
Sat Sep 16, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: cannot freeze at equifax online
Replies: 6
Views: 703

cannot freeze at equifax online

I get an error 500 - system unavailable.
any tips?
by sambb
Sat Sep 16, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Credit Monitoring - 1 or 3 Bureau?
Replies: 10
Views: 609

Re: Credit Monitoring - 1 or 3 Bureau?

what is the best 3 bureau monitoring. I know a freeze is free. Just asking who uses a monitoring service, and do you like it.
by sambb
Sat Sep 16, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 4788

Re: Mother-In-Law dying, Wife wants to buy a Porsche

If she is going to buy, she can get more value out of a 2014 that has a refreshed body style, and CPO versions are selling for low 50s (maybe not priced at that #, but selling at that number for sure). I understand that the point of the thread has many other nuances, but if she is going to buy, at l...
by sambb
Fri Sep 15, 2017 3:03 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15395

Re: Is it really Worth it to brown bag your lunch at work?

Its not about cost of lunch, its about ROI. So many threads on BH are about cost. If someone's ROI is higher by going out, then go for it. ROI can be in time, money, connections, and can be advantageous either way. ROI is the key. Dont see why cost matters. ROI can be achieved by staying in, or by g...
by sambb
Wed Sep 13, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds added to 401k
Replies: 15
Views: 1066

Re: Vanguard Target Retirement Funds added to 401k

YES, do it/ Target is perfect for tax deferred in so many ways/
by sambb
Tue Sep 12, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 297
Views: 14431

Re: Iphone X is $1000

I dont buy on cost, i buy on ROI. iphones have an incredible ROI for me in time, convenience, access, work, and features. I will likely buy. Never had one that didnt have a huge ROI. Way more than any index fund. YMMV.
by sambb
Tue Sep 12, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 93
Views: 9249

Re: The 10 year car ownership "rule"

depends more on your income, interests, and desire for newer tech vs. cost savings. I dont think there is a time. Some lease every 3 years, some buy every 5, some hold forever. Depends on income, needs, desires. Hard to be objective.
by sambb
Tue Sep 12, 2017 3:24 am
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 73
Views: 8543

Re: Upgrade button on Vanguard IRA

When logging in to my Vanguard account, I see a button saying 'Upgrade' for one Rollover IRA account. Anyone else seen this and what is the meaning of it? When I click on it, I get a page that says this: "We'll open a new Vanguard Brokerage Account using the information from your mutual fund accoun...
by sambb
Sat Sep 09, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 5909

Re: Luxury car: perception vs reality

Ive owned porsche and BMW that were less costly than some of the F150s at our Ford dealer's lot. Millionaire next door talks about f150, as if it is cheaper than german sports sedans. Sometimes yes, sometimes no.
Nevertheless, yes, there are people leasing that cant afford to buy.
by sambb
Sat Sep 09, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 5909

Re: Luxury car: perception vs reality

In years of owning many types of cars - lexus, bmw, porsche, mercedes, toyota, honda, subaru - never had tires for 5k, and only 1x in the life of a car have i paid 1k for maintenance
by sambb
Sat Sep 09, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 5909

Re: Luxury car: perception vs reality

A honda pilot can cost more than a bmw, new or a certified preowned. the term "luxury car" means so many things. I was looking at a "luxury car" the other day, that had an MSRP in the mid 60s, and now can be purchased for the low 30s, less than a top of the line camry. So, it is hard to judge. I'm n...
by sambb
Wed Sep 06, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 61
Views: 5046

Re: To take or not to take delivery of Tesla 3

google tesla repair time, etc. I would cancel. nice car though.
by sambb
Wed Sep 06, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: The Emerging Markets "lost decade" is over
Replies: 52
Views: 5293

Re: The Emerging Markets "lost decade" is over

Personally I would move away from any "emerging market" funds, not only has it gotten nowhere so long, but I think it will continue to go nowhere because emerging markets are corrupt so you dont ever get accurate anything and all their stocks are corrupt due to false numbers, data, bribary etc... I...
by sambb
Tue Sep 05, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Divorce money - How to invest it?
Replies: 9
Views: 1792

Re: Divorce money - How to invest it?

Rollover into vanguard target 2030 or 2035, and look at it at age 60-65, you will be fine.
by sambb
Tue Sep 05, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 246
Views: 19777

Re: Name something you had to have and now you regret purchasing it?

Regrets: windows pc, Camry, and any watch that isn't a smart watch, Samsung android phone

Glad I bought: porsche, macbook, IPhone
by sambb
Mon Sep 04, 2017 8:02 pm
Forum: Investing - Theory, News & General
Topic: What is the "safe, safe" withdrawal rate?
Replies: 38
Views: 3910

Re: What is the "safe, safe" withdrawal rate?

i saw a thread in which the SWR was decried by people here, because it doesnt consider inflation. I think that there are contradictory answers to the safe SWR. is it inflation indexed? Indexed to healthcare costs? Not indexed? Doesnt make sense, so i ignore that advice.
by sambb
Mon Sep 04, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 10
Views: 1415

Re: 2018 Subaru Outback

eyesight is amazing in the subaru. such a great option.
by sambb
Mon Sep 04, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2663

Re: Are you a "car guy" or "car gal", how do you fund?

I LOVE. cars. I purchased CPO BMWs when I was younger. I carefully monitored the true cost of ownership against such things as income and net worth. I always paid cash and made sure the cars did not interfere with my long-term financial goals. My first new car was a Porsche Cayenne followed the nex...
by sambb
Mon Sep 04, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2663

Re: Are you a "car guy" or "car gal", how do you fund?

Wow we have some interesting cars on this thread!
by sambb
Mon Sep 04, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2663

Re: Are you a "car guy" or "car gal", how do you fund?

Generally, i find on financial forums, that some can ruin the hobby of car enjoyment - most of us who are car people, are aware of the costs and treat this as a hobby. However, i agree it is cheaper to just be happy with a 1999 camry. I am curious if anyone has driven a 6 series BMW. What do you thi...
by sambb
Mon Sep 04, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Has anyone ever experienced automatic collision notification in a car accident?
Replies: 11
Views: 1406

Re: Has anyone ever experienced automatic collision notification in a car accident?

I exercised mine in my BMW when someone ran a light in front of me. The car uses its own cell phone, not yours. Someone was talking to me while I was still stunned. They determine your condition from conversation, or lack thereof. They called police and fire for me giving them location via car GPS ...
by sambb
Mon Sep 04, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2663

Re: Are you a "car guy" or "car gal", how do you fund?

Im looking at preowned german sports coupes currently. Any experience? I bought a 2010 911 Carrera S about three years ago. Not cheap, but they're starting to get far enough down the depreciation curve such that the ownership cost is bearable. It helps if you're mechanically savvy as this will save...
by sambb
Mon Sep 04, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2663

Re: Are you a "car guy" or "car gal", how do you fund?

I am very much a car guy who has on occasion,and extended occasion, gone into remission. I've had some pretty interesting cars over my life... approaching 70 in December now. Has a 1967 Austin Cooper 1275S, a Toyota MR2 (1994?), a 1998 Porsche Boxster and a 2000 Boxster S. Presently have a 2013 MB ...
by sambb
Mon Sep 04, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2663

Re: Are you a "car guy" or "car gal", how do you fund?

Im looking at preowned german sports coupes currently. Any experience?
by sambb
Mon Sep 04, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 12646

Re: Do you use lifestrategy/ asset allocation funds?

i prefer LS or TR or others in tax deferred.
by sambb
Mon Sep 04, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2663

Are you a "car guy" or "car gal", how do you fund?

Are you a person who has a hobby in the automotive area? All hobbies have costs. How do you fund? If you switch frequnelty, do you lease every 3 years? do you buy CPO? Do you buy new and sell on your own? Does your hobby come from outside of your daily driver or is it your daily driver? Note that if...
by sambb
Mon Sep 04, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Jason Zweig's tax bomb example
Replies: 28
Views: 3578

Re: Jason Zweig's tax bomb example

if there is an unrealized gain of 34% in total stock, that doesnt sound good for new investments.
by sambb
Sun Sep 03, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 3076

Re: Why can't the future of stocks be predicted

lots of things could happen lets say there is plague or war, and the worldwide population massively declines, or cannot spend. then, there is less demand and there could be a large effect on prices. This is one of many things that could happen THe japanese market is a good example - stocks can have ...
by sambb
Sun Sep 03, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Absolute noob when it comes to investing needs advice
Replies: 80
Views: 4501

Re: Absolute noob when it comes to investing needs advice

I would put allyour "investable" money into vanguard balanced or lifestrategy conservative growth. If you can keep it there for a few years, and learn about the market, then branch out into a more aggressive allocation. On the other hand, lets say you only invested in balanced index all your life. Y...
by sambb
Sun Sep 03, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Humble dollar article on munis
Replies: 6
Views: 638

Re: Humble dollar article on munis

stocks yield (S&P) is similar to intermed term tax exempt. So those dividends are taxable, and the muni equivalent to taxable yield is good for high tax brackets.

For this and many other reasons, it doesnt always make sense to have bonds in tax deferred
by sambb
Sat Sep 02, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Couple in mid-30s looking for financial independence within 10 years
Replies: 34
Views: 6700

Re: Couple in mid-30s looking for financial independence within 10 years

you've done well, and probably better than most here with your intuition, real estate, cryptocurrencies, etc. I wouldnt give all that up for a 3 fund portfolio. You are diversified in many different things.
by sambb
Sat Sep 02, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 3870

Re: Does anyone use Driving Shoes?

I have owned some exotic sports cars, and the clutch has had a friction point that i felt was easier to feel with driving shoes. However, with japanese, korean, US cars, or german sports cars, I dont think it is necessary.
by sambb
Sat Sep 02, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: repairman broke washing machine, what would you do?
Replies: 42
Views: 3917

Re: repairman broke washing machine, what would you do?

at 9 years old, i would have just bought a new one. i view it as a reason i work and save, so i can afford this with no real concern. saves me from even dealing with the stress or frustration. so worth it.
by sambb
Sat Sep 02, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: OSWAN: Optimum Sleep Well At Night retirement plan
Replies: 37
Views: 3067

Re: OSWAN: Optimum Sleep Well At Night retirement plan

I like #3, if you have hit your number. On BH, it is amazing how many people seem to dislike their job, etc. I love my job, and really would like to continue it, even if i hit my number. Also, it is easy to retire at a bull market peak, so if that is the case, some prudence could be indicated in mak...
by sambb
Thu Aug 31, 2017 5:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 15797

Re: [Are the Bogleheads] getting less interesting?

i disagree with the OP, BH is fine except for the comments about not buying something even if one can easily afford it. Cars in particular raise the ire of people.
by sambb
Wed Aug 30, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: Cant get my head around this..All Bonds in non-taxable OR...
Replies: 23
Views: 3342

Re: Cant get my head around this..All Bonds in non-taxable OR...

with stocks in taxable, the S&P yield is about the same as intermed term tax exempt. The tax exempt yield is superior to the tax-adjusted yield of taxable bonds in high brackets. I think the wiki is misleading in so many ways. And no one can tell is long term captial gains rates 10-20 years from now...
by sambb
Tue Aug 29, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Article on Savings - Are BHs the 1% ?
Replies: 23
Views: 3679

Re: Article on Savings - Are BHs the 1% ?

top 1% of income in the world,is an income of >30-35,000 USD. So many americans are in the world's top1% of income. There is much less that separates us, compared to the third world.
by sambb
Mon Aug 28, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 21818

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

There are several ways to make it work and still save. Its not so extreme as some people say on this thread. Of course, new Porsche + new mansion + private schools + lavish vacations = disaster but CPO BMW 3 series (keep until 75k-100k miles) + decent house maybe a little small + schooling in good p...
by sambb
Sun Aug 27, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: on track, but what about black swans
Replies: 34
Views: 2787

Re: on track, but what about black swans

If SWRs are of little value, it throws off a lot of retirement planning, and dramatically alters the course of future savings. Thanks for the comments. Havent seen that much here about SWR being not valuable, just debate on 3 vs 4%, etc. This discussion is important and obviously not often made. It ...
by sambb
Sun Aug 27, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: on track, but what about black swans
Replies: 34
Views: 2787

Re: on track, but what about black swans

It is interesting here, the caution that is voiced, despite planning based on a potential 4-4.5% return, with FIRE scenarios with a 0% failure. The disucssion may indicate, overall, that planning to retire with a withdrawal rate of 3-3.5% is not really where bogleheads end up. The backup plan, of co...