Search found 2561 matches

by sambb
Fri Nov 08, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7534

Re: Do you charge your employer for the time that you spend working on your off days?

i also wonder if people have to pay back money for the time at work they have social conversations or surf the internet, etc. I guess it cuts both ways.
by sambb
Mon Nov 04, 2019 10:07 pm
Forum: Personal Investments
Topic: nearing goal - pull back allocation?
Replies: 6
Views: 1020

nearing goal - pull back allocation?

Im nearing my FIRE goal, im 90% of the way there. I would reach it in 2 years with 100% safe investments (due to job savings and small return). But im 60/40. Would you pull back to 40/60? Why or why not?.. Im considering going down in allocation by 5-20% in stock, to reach somewhere in the 40s or 50...
by sambb
Mon Nov 04, 2019 9:50 pm
Forum: Personal Investments
Topic: How much money is really needed in retirement?
Replies: 74
Views: 9150

Re: How much money is really needed in retirement?

make sure to acocunt for healthcare costs - much larger expense compared to subsidized healthcare through work. Also consider lower expenses (commuting?)
by sambb
Mon Nov 04, 2019 9:46 pm
Forum: Personal Investments
Topic: At the halfway mark, need help with 2 big decisions
Replies: 30
Views: 3165

Re: At the halfway mark, need help with 2 big decisions

I would stick with the job you are more likley to be successful in. Regardless of pay. Lack of enthusiasm leads to lack of success and potentially job loss eventually.
by sambb
Sun Nov 03, 2019 10:16 pm
Forum: Investing - Theory, News & General
Topic: When DID the stock market recover from 1929?
Replies: 52
Views: 5009

Re: When DID the stock market recover from 1929?

In great depression likely had to cash out to afford to eat, etc. Not relevant to current times.
by sambb
Sun Nov 03, 2019 1:10 pm
Forum: Personal Investments
Topic: aapl stock, trailing stop, wwyd?
Replies: 10
Views: 1158

Re: aapl stock, trailing stop, wwyd?

let it ride. amazing company.
by sambb
Sat Nov 02, 2019 4:59 pm
Forum: Personal Investments
Topic: Principal fees ridiculous!
Replies: 32
Views: 3140

Re: Principal fees ridiculous!

its not too bad. expense ratios are much less important at that level, than overall savings, matching, general frugality, and asset allocation. Those 4 items are much more important for net worth. Another more important item is opportunity for advancement and pay increases.
by sambb
Fri Nov 01, 2019 8:21 pm
Forum: Personal Investments
Topic: Vanguard Information Technology - VGT or VITAX
Replies: 61
Views: 15173

Re: Vanguard Information Technology - VGT or VITAX

i have it. great returns
by sambb
Tue Oct 29, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10580

Re: Apple Pay. Does anyone use it?

apple stuff is amazing
by sambb
Mon Oct 28, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Vanguard Web Site Interface
Replies: 15
Views: 1260

Re: Vanguard Web Site Interface

it is so frustrating - does vanguard know this is happening? Vanguard's IT problems reflect a major leadership flaw.
by sambb
Sun Oct 27, 2019 7:45 pm
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 201
Views: 20479

Re: I’m done with index funds

OP best wishes, but i hope you stay with indexes. You'll be fine.
by sambb
Sun Oct 27, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: "More evidence that it’s really hard to ‘beat the market’ over time"
Replies: 18
Views: 2804

Re: "More evidence that it’s really hard to ‘beat the market’ over time"

if it would be appealing to most people to be in the 95th percentile (and this most did that), then they wouldnt be in the 95th percentile, as they would be with most people since that is the way percentiles work on a standardized test? Indexing beats stock picking historically. However, there are m...
by sambb
Sat Oct 26, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6599

Re: How much does a "good school district" matter?

having been educated in a bad school district, i am so thankful my kids arent
by sambb
Wed Oct 23, 2019 7:19 am
Forum: Personal Investments
Topic: How do you get over an investing mistake?
Replies: 42
Views: 2051

Re: How do you get over an investing mistake?

Had an acquaintance that turned down the job as one of the first 100 employees in a now enormous tech co, and he would be worth 50-100mill if he hadnt turned it down. Life happens. I always think about the fact that top 1% of worldwide income is ~35k USD a year. Keeps it in perspective. MIstakes can...
by sambb
Sun Oct 20, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Ordering Model Y now - free option on price changes?
Replies: 13
Views: 1667

Re: Ordering Model Y now - free option on price changes?

would avoid - look up repair times for tesla. wait a few years.
by sambb
Sat Oct 19, 2019 6:35 pm
Forum: Personal Investments
Topic: Berkshire Hathaway Stock in Taxable account
Replies: 15
Views: 2198

Re: Berkshire Hathaway Stock in Taxable account

lots of manager risk, especially given the age of the individuals and potential decline in skills. Would consider just investing in the S&P or total world.
by sambb
Fri Oct 18, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: NYT: Why Don’t Rich People Just Stop Working?
Replies: 18
Views: 3592

Re: NYT: Why Don’t Rich People Just Stop Working?

underachievers and can make others who are overachieving easier to result in more of.. everything.. but less time. So you gotta enjoy it.

Easy to be successful by working harder than others. Good lesson for early and midcareer.
by sambb
Tue Oct 15, 2019 5:30 am
Forum: Investing - Theory, News & General
Topic: Isn't lack of transparency in China a huge risk for international stock index?
Replies: 132
Views: 11858

Re: Isn't lack of transparency in China a huge risk for international stock index?

investing in stocks in generak is a huge risk.... compared to CDs. but also potentially more reward
by sambb
Sat Oct 12, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: A great example of single stock risk
Replies: 51
Views: 5508

Re: A great example of single stock risk

AAPL. So glad I got in a long time ago and paid off my mortgage with the gains. iPhone is amazing device!
by sambb
Sat Sep 28, 2019 6:49 pm
Forum: Personal Investments
Topic: 1000 extra stocks in VTSAX vs FZROX: what's their use?
Replies: 28
Views: 2396

Re: 1000 extra stocks in VTSAX vs FZROX: what's their use?

i wonder what the purpose is of both of them vs the s&p in a market weighted index fund when looking at overall return
by sambb
Mon Sep 16, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: Don't confuse strategy with outcome:
Replies: 94
Views: 5973

Re: Don't confuse strategy with outcome:

past performance does not indicate future results
by sambb
Mon Sep 16, 2019 8:49 am
Forum: Investing - Theory, News & General
Topic: Is the 60/40 portfolio allocation strategy being killed?
Replies: 142
Views: 15557

Re: Is the 60/40 portfolio allocation strategy being killed?

savings rate is far more important, and tax deferral, managment of one's career and promotions/excellence at work to have capital to invest. After all of that, then allocation and investments,and eventually expense ratios. Probably cant retire at 50, even if stocks did 10% a year, if you start savin...
by sambb
Mon Sep 16, 2019 5:01 am
Forum: Personal Finance (Not Investing)
Topic: What does “Stay the Course” mean exactly?
Replies: 35
Views: 3158

Re: What does “Stay the Course” mean exactly?

doesnt really matter what he said or meant.. stick to your IPS or re-evaluate it if your risk tolerance changes.
by sambb
Sun Sep 15, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3298

Re: Used Tesla S or new Tesla 3?

Would avoid the 3 due to lack of available parts and build quality. S seems to be the way to go.
by sambb
Sat Sep 14, 2019 6:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2126682

Re: U.S. stocks in free fall

Will the saudi oil attack cause more freefall monday
by sambb
Sat Sep 14, 2019 4:32 am
Forum: Personal Finance (Not Investing)
Topic: The Best Financial Advice I Ever Got
Replies: 8
Views: 3283

Re: The Best Financial Advice I Ever Got

terrible advice from bogle on that - always know where you stand
by sambb
Wed Sep 11, 2019 7:14 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9883

Re: Too Late To Get Back Into Stocks?

Past performance has nothing to do with future results. If you think the market will go up in the long term, then invest. If you are unsure, nervous, or will pull out, then dont. At 30-40% equities, it is a small amount of risk overall, but maybe the psychology of risk is stronger than objectivity. ...
by sambb
Wed Sep 11, 2019 7:07 pm
Forum: Investing - Theory, News & General
Topic: Day Trading for a Living?
Replies: 44
Views: 4074

Re: Day Trading for a Living?

So day trading doesnt work, but invest lump sum now because generally the market goes up most of the time...
And past performance cant indicate future results
by sambb
Sun Sep 08, 2019 9:48 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 27166

Re: VTIAX International fund - should I give up on it?

Past performance does not guarantee future results, right? It seems like a lot of arguments here are based on past performance.
by sambb
Mon Sep 02, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Help With New Car Purchase - Macan S versus...
Replies: 57
Views: 5189

Re: Help With New Car Purchase - Macan S versus...

I like the macan s (or gts), or the X3 M40i. All are great to drive. Also the urus is wonderful to drive and would consider it. However, all of these are not very large in the back seat. Some might say to get a MDX in the other direction.
by sambb
Mon Sep 02, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback issue
Replies: 38
Views: 3938

Re: Subaru Outback issue

the 2018 jd power place audi, bmw mercedes toyota porsche ahead of subaru (looks at 2015). I think there is a lot of variability, but subaru isnt toyota...
by sambb
Sun Sep 01, 2019 6:03 pm
Forum: Personal Investments
Topic: My urge to to time the market... maybe
Replies: 22
Views: 2578

Re: My urge to to time the market... maybe

if your risk tolerance changes then change your allocation. dont see why thats a big deal. if you are uncomfortable with your stock allocation, then change it.
by sambb
Sun Sep 01, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback issue
Replies: 38
Views: 3938

Re: Subaru Outback issue

i've found subaru to be less reliable than honda, toyota, bmw, audi, porsche, or mercedes. Id fix it and sell it.
by sambb
Sun Sep 01, 2019 12:16 pm
Forum: Personal Investments
Topic: Timing a Down Market
Replies: 28
Views: 3422

Re: Timing a Down Market

remember that buy and hold / stay the course etc. are provided that there isnt a major issue like Japan in the 80s, when in your entire fortune may never recover
by sambb
Sun Aug 25, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3726

Re: Another car affordability question, YOLO vs. extreme FI

I wouldnt buy. But if you do buy, then dont hold back. You willdiscover that you have buyers remorse, and then not make the mistake again. Alternatively, get a GTI or a civic Si or a preowned 3 series and be done with it.
by sambb
Sun Aug 25, 2019 1:55 pm
Forum: Personal Investments
Topic: Vanguard Energy Fund (VGENX) - should I continue to hold or sell it?
Replies: 18
Views: 1471

Re: Vanguard Energy Fund (VGENX) - should I continue to hold or sell it?

sell half and reevalute in 6 months psychologically. Or, if this isnt psychological, then sell all now.
by sambb
Sat Aug 24, 2019 7:56 pm
Forum: Personal Investments
Topic: VWALX High Yield Tax Exempt Is It Really This Amazing?
Replies: 20
Views: 2508

Re: VWALX High Yield Tax Exempt Is It Really This Amazing?

does the past performance indicate future results for this fund?
by sambb
Sat Aug 24, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 74
Views: 10475

Re: Prepare for Recession?

I dont know what happened since summer 2015, but the US market has done very will since then and unemployment is at a record low. Sure there will be recession, but the economic advancement in the last few years can always cool down. Many have a lot of gains, so a down year isnt the end of the world....
by sambb
Sun Aug 18, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11210

Re: Aliens have captured my husband [wants to buy a Porsche]

panamera is nice. but get the 911 targa and be done with it.
by sambb
Fri Aug 16, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: question about Anthem announcement: not paying for outpatient MRI and CT
Replies: 14
Views: 1994

Re: question about Anthem announcement: not paying for outpatient MRI and CT

They want you to go to the cheapest place. It may not matter, but it might. It depends on many factors. In many countries they dont even order a lot of these scans. Its all economics.
by sambb
Thu Aug 15, 2019 5:43 am
Forum: Investing - Theory, News & General
Topic: Why is market timing bad in this case?
Replies: 52
Views: 3393

Re: Why is market timing bad in this case?

To the OP - yes you may be correct. The issue is that we dont know if stocks will go up or down. But, practically why not split the difference with a 50/50 allocation as this seems like a risk tolerance issue. You dont want the risk of the market going down. But it may go up also. So this is easily ...
by sambb
Mon Aug 12, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17163

Re: [Vanguard price glitches, incorrect market info for August 12, 2019]

amazing that vanguard has no communication on this - truly astounded