Search found 1237 matches

by sambb
Fri Jul 29, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1644

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: 1892

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: 51
Views: 3714

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: 7486

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: 177
Views: 14983

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: 4547

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: 4385

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: 8124

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: 3452

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: 3292

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: 2500

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.
by sambb
Thu Jul 07, 2016 8:30 pm
Forum: Investing - Theory, News & General
Topic: Actionable Advice: What to do if Japan happens here?
Replies: 36
Views: 3366

Re: Actionable Advice: What to do if Japan happens here?

Actionable advice if Japan happens here? If I see it coming, I hope to heck that I get out of the market and invest elsewhere or in other assets. Japan has been devastating to several in that country who had weighted stocks and had a 10-20 year time frame. It would not be "ok" for many peo...
by sambb
Mon Jul 04, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: When your work schedule starts affecting your work-life balance
Replies: 114
Views: 7661

Re: When your work schedule starts affecting your work-life balance

From a C suite, decisions like this at the worker level determine a lot about how leadership views you, whether or not it is fair. At higher income levels for the worker, it is interesting. Sometimes corporations have to spread the pain, just like they should spread the wealth. All employees want co...
by sambb
Sun Jul 03, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13143

Re: What do you spend your money on???

Cars with safe features and modern
Wants of my wife and kids
Technology
Luxuries

I don't have an interest in saving while avoiding living life
by sambb
Tue Jun 14, 2016 10:07 pm
Forum: Investing - Theory, News & General
Topic: Inevesting Mistakes or Regrets
Replies: 49
Views: 4585

Re: Inevesting Mistakes or Regrets

All in one fund in tax deferred is better than tinkering. And an emergency fund has no value if you have large taxable portion.
by sambb
Tue Jun 14, 2016 4:58 am
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 73
Views: 6107

Re: Any Porsche 911 owners here?

have owned a porsche. Great car. Way better than a 1999 camry which is often touted here. Great car to drive. Maintenance is expensive. But it was reliable so needed few dealer trips. Wow, the fun though..
by sambb
Mon Jun 13, 2016 4:21 am
Forum: Personal Consumer Issues
Topic: Leisure Time versus Thriftiness
Replies: 100
Views: 7106

Re: Leisure Time versus Thriftiness

For the OP, i agree with you. I dont do my own car maintenance for example. I do eat out. I am not interested in saving 60 dollars on a tire. My time is more valuable than that. Opinions may differ. I might feel differently if I had less saved or was behind in retirement goals.
by sambb
Mon Jun 13, 2016 4:16 am
Forum: Personal Consumer Issues
Topic: The Most and Least Expensive Cars to Maintain
Replies: 40
Views: 4251

Re: The Most and Least Expensive Cars to Maintain

I have found BMW to me much more reliable than this states.
BUT
If driving a BMW only costs me an extra 1000/year over a toyota camry? Done. This survey tells me, that driving the BMW is well worth it. I would much rather spend the extra money, its not too much over 10 years.
by sambb
Wed Jun 08, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401 k moved to tiaa from vanguard
Replies: 5
Views: 399

401 k moved to tiaa from vanguard

My 401k provider moved funds in kind from vanguard to tiaa. Why would that happen? We can still invest in vanguard.
by sambb
Tue Jun 07, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: leadership buzzwords
Replies: 14
Views: 808

leadership buzzwords

To enhance my career, and in career advancement, I am now invited to alot of meetings amongst senior leaders in our 6 Billion dollar organization. I have seen over the last year that there is a lot of "leadershuip lingo" Here is a short list of words, which are often used amongst leaders i...
by sambb
Mon Jun 06, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 3891

Re: Best AWD Sedan/Coupe?

lease an A4 or a 3 series BMW for 3 years, and figure out if that is the direction you want to go. Yeah it might cost slightly more than buying, but little risk. I think this is the best option
by sambb
Mon Jun 06, 2016 7:53 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a used luxury car-need help!
Replies: 21
Views: 1808

Re: Thinking of buying a used luxury car-need help!

I have owned several luxury cars. Myths expressed at BH: ALL german cars all break down. I have had good and bad ones. Fact: lexus is the most reliable. It also has little "soul" compared to the BMW. I have owned all the brands. I love driving the BMW (and have owned several that are very ...
by sambb
Sat Jun 04, 2016 9:59 pm
Forum: Investing - Theory, News & General
Topic: What are the biggest criticisms about the Boglehead way?
Replies: 243
Views: 21248

Re: What are the biggest criticisms about the Boglehead way?

I find it interesting here that the BH way is about indexing, yet people are ok with actively managed funds like wellington. I find it interesting that indexing is favored, but somehow warren buffet is seen as an authority I find it interesting that non-BH opinions are met with negativity I find it ...
by sambb
Fri Jun 03, 2016 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 4192

Re: When do YOU rebalance?

I rebalance constantly
I have life strategy funds
and some individual funds
I also invest extra money every month to maintain asset allocation when i have extra money
i just look at my allocation and invest accordingly to bring it closer to my preferred allocation
by sambb
Wed Jun 01, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 8502

Re: Would you pay 6x face value to see Hamilton on Broadway?

if you can afford it, and it makes you happy, and you have saved enough, then why not treat yourself to a luxury that doesn't jeopardize your retirement? It doesn't matter what the luxury is. If you are asking if it is a good value, that is a personal question and no one person can guide you. Some w...
by sambb
Mon May 30, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 71
Views: 9091

Re: Uber Car and the real cost of driving

been using uber, and I would pay a premium any day for this service over a regular taxi. love it.
by sambb
Mon May 30, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 6516

Re: Private school? Any regrets?

would definitely go private, no doubt
by sambb
Mon May 30, 2016 11:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you to all of our Veterans
Replies: 14
Views: 1047

Re: Thank you to all of our Veterans

may all live in peace, give peace a chance
by sambb
Sat May 28, 2016 7:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY, 2014 [and 2016]
Replies: 26
Views: 3553

Re: MEMORIAL DAY, 2014

Give Peace a chance. Peace on earth.
by sambb
Fri May 20, 2016 2:43 am
Forum: Personal Finance (Not Investing)
Topic: Some days still not sure I made the right choice
Replies: 49
Views: 8202

Re: Some days still not sure I made the right choice

I think that saving can be overrated if you miss out on experiences.
I would hate to miss out on things in my 20s to use the money in my 70s.
Trips to europe are a good example. Dont care that I blew the money.
by sambb
Wed May 18, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 4410

Re: $750 repair or buy new [MacBook Pro]

A macbook to me is worth over 20,000 more based on the additional productivity it gives me over windows.
Would not hesitate to buy it new. it's value to me is so enormous compared to windows, just do it.
by sambb
Sun May 15, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 22678

Re: Rich But Middle Class

It is interesting reading thoughts on preconceived notions on what someone of a larger income level would consider adequate. TO the OP, only you know how much you want to save and spend. You can't take the money to the grave, but you want to have enough to save and be ok at your higher lifestyle. No...
by sambb
Sun May 15, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 4020

Re: Trade in BMW?

if you are going to sell, i would consider leasing if you change your car every 3-4 years. 3 year lease may be better for you.
by sambb
Sun May 15, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 22678

Re: Rich But Middle Class

With AGI average of 920k, and expenses of 320k, i would keep on saving and doing what you are doing. Just dont inflate your lifestyle anymore
by sambb
Sat May 07, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10780

Re: Is buying organic really that expensive?

yes, organic is more expensive. So is a new car, a trip to europe instead of to the midwest, a mercedes instead of a ford.. It's value is determined by those willing to spend the money. ?marketing ploy - one could say that about any consumer item. Going to a nice restaurant on one's anniversary is a...
by sambb
Mon May 02, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 22712

Re: I bought the wrong car - know it after 15 days

unexpected consumer items are one reason to save and invest. go ahead and change cars. A few thousand dollars of a mistake wont change your overall retirement. Just make sure you really get it right the next time.
by sambb
Sun May 01, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 84
Views: 10675

Re: WOW fantastic Cars in the Wild

Glad to see people spending their hard earned money. Ferraris can be very pretty, and I always look when I see them. Nicest car I saw recently, was a blue aventador roadster.
by sambb
Sun May 01, 2016 5:23 am
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 35
Views: 3632

Re: Regret of selling winning stocks early

If your goal was to accumulate wealth, then yes, you made the wrong decision, as the stock has done better. If your goal was to spread out your risk, then you have done better, because you are spread out over more companies. I think it comes down to what your goals were. I would feel bad also if I h...
by sambb
Sat Apr 30, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1738

Re: anyone wiht experience with car with frontal collision alert?

does eyesight beep when you are closing in fast to a car, or is it silent until it must brake?
by sambb
Sat Apr 30, 2016 9:48 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1738

Re: anyone wiht experience with car with frontal collision alert?

Get a wife. She'll alert you to everything whether you need it or not. :wink: wow, it is 2016, i am looking for advice on a car's 2016 technology, not a judgment or prediction on what a passenger of a certain gender would say. I wasn't considering using a passenger as the alert, regardless of their...
by sambb
Sat Apr 30, 2016 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: higher tax bracket, taxable part of portfolio, bonds and AMT
Replies: 4
Views: 523

higher tax bracket, taxable part of portfolio, bonds and AMT

If I am in a high tax bracket and the vanguard intermediate term tax exempt fund is my bond fund of choice - i presume that is good. However, if I pay in AMT, is it better to have total bond market, to raise my taxable income, have higher yield, and thus negate the AMT? Complicated question..
by sambb
Sat Apr 30, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1738

anyone with experience with car with frontal collision alert?

I am looking for a reccomendation for a car with frontal collision alert from existing owner of such a vehicle. How well does it work at low speeds and highway speeds? One doesnt want to rear end someone by mistake, and hoping to put all in the driver's favor. I am sure there will be thoughts of &qu...
by sambb
Fri Apr 29, 2016 9:10 pm
Forum: Investing - Theory, News & General
Topic: “Markets Have ‘Borrowed’ Returns from the Future”
Replies: 17
Views: 2769

Re: “Markets Have ‘Borrowed’ Returns from the Future”

I completely agree. I know I'm not alone either. This is the background narrative that's been pushed, which I think most investors agree with. I raised the ire of a boglehead because I hinted that the Fed was buying securities. The interaction devolved into minutaie on the open operations the Fed a...
by sambb
Wed Apr 27, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Practices
Replies: 26
Views: 2083

Re: Medical Billing Practices

seems reasonable to pay the best approximation you can pay for something at the time of delivery. THe grocery store wont let me take the milk unless i pay up front. Seems like healthcare is moving in that direction, to the best approximation they can. Surely this is because a lot of people dont pay ...
by sambb
Tue Apr 26, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12859

Re: I Hate My Job: Politics at Work (Advice Needed)

You are being oppressed. The question is, are there better alternatives out there? If not, then you are lucky to have this job.
by sambb
Mon Apr 25, 2016 8:33 pm
Forum: Investing - Theory, News & General
Topic: Dow 100,000
Replies: 33
Views: 5436

Re: Dow 100,000

it is interesting to see these threads at the market top, rather than in a bear market
by sambb
Tue Apr 19, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Verizon Made A Mistake, Now My Plan Is Gone Forever.
Replies: 9
Views: 2490

Re: Verizon Made A Mistake, Now My Plan Is Gone Forever.

I would consider getting a new plan and a new smartphone and also consider texting. It all adds value.
by sambb
Sat Apr 16, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 23867

Re: Soapbox (car safety features)

Last saturday night, I parked my car at a friend's house then jumped in their new top of the line safety feature vehicle. She had her backup camera on, the beepy thing when you get too close etc... Guess where I'm headed this evening? Yep, to get an estimate for the door damage she caused by backin...
by sambb
Sat Apr 16, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 23867

Re: Soapbox (car safety features)

OP, great contribution. Yes, no sense in dying behind the wheel. Agree with you on all of these amazing technologies. Humans are not as good drivers as they claim to be. I work in hospitals and never met one that thought they were a bad driver.
by sambb
Fri Apr 15, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: cant file taxes - identity theft
Replies: 6
Views: 940

Re: cant file taxes - identity theft

did you file form 14039 with your taxes? I owe money, so I am less concerned about a refund

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