Search found 2488 matches

by sambb
Wed Jul 17, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 40
Views: 3087

Re: Apple Watch Worth The $$$?

well worth it, but apple watch 5 coming out next month. Generally most apple things are amazing and game changers.
by sambb
Sun Jul 14, 2019 10:41 pm
Forum: Personal Investments
Topic: Bonds in Tax Deferred vs Munis in Taxable?
Replies: 14
Views: 926

Re: Bonds in Tax Deferred vs Munis in Taxable?

in highest tax beackets, munis work for taxable
by sambb
Sun Jul 14, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 88
Views: 4410

Re: Automatic Watches

mechanical watches are more art than accurate timepieces. Look at the line of Langes, pateks, etc. Some watches are just in demand stylistically - right now rolex steel models, patek steel models. Like most expensive things, there are always arguments not to get one (similar to toyota vs porsche arg...
by sambb
Sun Jul 14, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: 10k every year to mortgage or taxable brokerage
Replies: 20
Views: 1864

Re: 10k every year to mortgage or taxable brokerage

for 10 years many have said interest rates are only going up.. on this forum..
Why does it have to be one or the other? Split the difference - 5k invest, 5k paydown. See how it goes.
by sambb
Sun Jul 14, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: What is the Boglehead opinion of the inverted yield curve?
Replies: 70
Views: 6667

Re: What is the Boglehead opinion of the inverted yield curve?

is there any reason to go to a shorter term bond fund instead of intermediate in inverted yield curves/
by sambb
Sun Jul 14, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Can the dealer be trusted?
Replies: 17
Views: 1893

Re: Can the dealer be trusted?

do not trust, and that doesnt mean the car isnt ok
by sambb
Sun Jul 14, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: Timing the market
Replies: 28
Views: 1706

Re: Timing the market

if you are uncomfortable with the market's valuation, and think there may or may not be a crash, then i would suggest a 50/50 allocation until you are comfortable with half your money affected by the downside. Of course, you only get half the upside also. But you are covered both ways. In other word...
by sambb
Fri Jul 12, 2019 4:16 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 50
Views: 6440

Re: Got mugged in London...Phone stolen...what else do I need to do?

The iphone is wonderful since it has these great features - makes theft a non-issue outside of the replacement cost.
by sambb
Wed Jul 10, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 88
Views: 4410

Re: Automatic Watches

Lange and sohne are nice, but pricey
by sambb
Tue Jul 09, 2019 8:22 pm
Forum: Personal Investments
Topic: Vanguard Information Technology - VGT or VITAX
Replies: 52
Views: 12265

Re: Vanguard Information Technology - VGT or VITAX

this fund keeps doing well, glad i have it, wish it were in my roth though
by sambb
Mon Jul 08, 2019 11:21 pm
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 90
Views: 7792

Re: Help - Talk to me like I'm 4 y/o please

Youre being fleeced. But the advisor will probably convinve you to stay with them if you engage. You are giving up a ton of money to the advisor
by sambb
Sun Jul 07, 2019 9:00 pm
Forum: Personal Investments
Topic: Vanguard LifeStrategy vs 3 fund portfolio
Replies: 10
Views: 1107

Re: Vanguard LifeStrategy vs 3 fund portfolio

agree with you for tax deferred accts. wont matter for most people.
by sambb
Sun Jul 07, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: The Three Million Dollar Car
Replies: 25
Views: 2636

Re: The Three Million Dollar Car

Here we go again... Can we save time and just lock this thread now? We know how it’s going to end. The $4,026,858.95 Car or a Worry-Free Retirement? The $1,124,176 Car The cost of car ownership An easy way to save money: Avoid the $300,000 car. Hope it gets locked, unclear why this is being reposte...
by sambb
Sun Jul 07, 2019 5:46 pm
Forum: Investing - Theory, News & General
Topic: The Three Million Dollar Car
Replies: 25
Views: 2636

Re: The Three Million Dollar Car

I find such analogies are of little value - we could always say a steak costs a whole bunch compared to ramen noodles, or any car is more expensive than a motorcycle or the city bus. Certainly the ROI on a newspaper is very low, as news is free on the internet. We could go on and on.
by sambb
Sun Jul 07, 2019 5:21 pm
Forum: Personal Investments
Topic: been a great run for bonds..
Replies: 11
Views: 1798

been a great run for bonds..

Who here is shortening up their further bond investments towards ST instead of intermediate term? Its been a great run for bonds lsat 6 mos.
by sambb
Sat Jul 06, 2019 6:57 pm
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2457

Re: If I want to time the market

To the OP: nothing wrong with rebalancing to a lower allocation if your risk tolerance has changed. I would use MM or ST bonds if your risk tolerance has changed - so just change your allocations.
by sambb
Sat Jul 06, 2019 5:41 pm
Forum: Investing - Theory, News & General
Topic: Historically has it been bad to withhold further contributions 8 years after the beginning of a bull market?
Replies: 36
Views: 3464

Re: Historically has it been bad to withhold further contributions 8 years after the beginning of a bull market?

past performance is not an indicator of future results, so cannot evaluate. If nervous, revise one's asset allocation. Lower returns, but lower risk.
by sambb
Fri Jul 05, 2019 9:21 pm
Forum: Investing - Theory, News & General
Topic: It's All About the Earnings Growth
Replies: 19
Views: 2148

Re: It's All About the Earnings Growth

What happened in the end of 2015 or beginning of 2016 that changed the economy/earnings for the better and drove the market higher? Is it something we can learn from retrospectively for the purposes of investing? I can recall things that caused crashes (housing/debt crisis in 2008 for example, tech ...
by sambb
Fri Jul 05, 2019 6:34 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 6429

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

I think you need to have a handful of index funds in order to compare your stocks and index funds performances. Do you know how to do all the bookkeeping and taxes for your stocks? Do you know how to accurately determine the performance of your portfolio? Do you know how to create an index fund ben...
by sambb
Tue Jul 02, 2019 7:38 pm
Forum: Personal Investments
Topic: Help, Please
Replies: 14
Views: 1237

Re: Help, Please

I would never have less than 20% in equities to keep up with inflation
by sambb
Mon Jul 01, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Feels like never enough in savings?
Replies: 27
Views: 2991

Re: Feels like never enough in savings?

I didnt feel like i was saving enough for a decade. It is somewhat stressful at a low level, but perhaps that drives responsibility. i guess that happens when youve seen people lose their jobs and homes. My advice is save and be good at what you do at work, and embrace it. it helps when a partner in...
by sambb
Mon Jul 01, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle
Replies: 21
Views: 2120

Re: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle

Not sure this is a personal consumer issue. I would not leave town however.
by sambb
Mon Jul 01, 2019 4:47 am
Forum: Personal Investments
Topic: Investing a windfall when the market is at “an all-time high?”
Replies: 33
Views: 3695

Re: Investing a windfall when the market is at “an all-time high?”

just DCA over 6 months and dont worry about it
by sambb
Mon Jul 01, 2019 4:45 am
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 4740

Re: HCOL vs LCOL Dilemma

If you can handle the weather and demographic/political differences, you will do better in the long term financially in texas probably, given the limited information herein.

LCOL is a big deal.
by sambb
Sun Jun 30, 2019 7:37 am
Forum: Investing - Theory, News & General
Topic: How do I feed the 30-day SEC yield into a spreadsheet?
Replies: 7
Views: 1196

Re: How do I feed the 30-day SEC yield into a spreadsheet?

how would one alter this for the muni yield for an intermediate term bond fund?
by sambb
Fri Jun 28, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 37
Views: 6394

Re: Pursued the wrong career?

In large bureaucratic environments, at the junior level, i would consider being apolitical, and understanding the mission of the center, and your perceived role. Team player. And not complaining, and working hard, and learning. Corporate america has the same bureaucracies and politics as universitie...
by sambb
Tue Jun 25, 2019 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4375

Re: Triage in ER - charged $790

I recently bought a nonrefundable airline ticket to go on vacation. I went to the airport, checked in, was in line to board. But i decided not to board the plane. Never saw the pilot or flight attendant, only saw the ticket agent. I left the airport. They still charged me $995 for the flight. I woul...
by sambb
Sat Jun 22, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 15848

Re: what was your worst major purchase? mine is a 2019 mazda3

Worst: 1980s BMW, US airplane carriers first class
Best: 2000s BMW, a few italian exotic cars, first class on emirates or singapore airlines
by sambb
Wed Jun 19, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4607

Re: 40+% increase in auto policy (GEICO) - normal?

GEICO is part of the warren buffet empire, so wouldnt surprise me that it is built for profits, thats what he does - finds ways to make money - and i presume that is waht the shareholders want. but always theres an option to switch
by sambb
Wed Jun 19, 2019 3:24 pm
Forum: Personal Investments
Topic: Tempted to market time bond fund
Replies: 15
Views: 1318

Re: Tempted to market time bond fund

if time horizon is more than 5 years or 10... then why time it.
by sambb
Wed Jun 19, 2019 2:31 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 14484

Re: Good times: 2008 vs Now

I dont know what happened in 2015 or 2016, but seems like things have gotten better for the economy since then. Jobs everywhere. But for the OP, the crash was scary and people are still affected. Foreclosures, debt, lost years and lost experience.
by sambb
Wed Jun 19, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 13574

Re: I'm thinking about buying a supercar anyone here done this and feedback?

COngratualtions to the OP on a nice sports car! ENJOY IT!
by sambb
Tue Jun 11, 2019 10:00 pm
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3312

Re: Starbucks; buy, sell, hold?

SBUX? buy sell hold>

I buy, then i hold, then i drink the coffee. I dont sell it.
by sambb
Sun Jun 09, 2019 10:01 pm
Forum: Investing - Theory, News & General
Topic: Market up because of rate cut expectation - why ?
Replies: 21
Views: 2885

Re: Market up because of rate cut expectation - why ?

rate cuts place more money in the economy.
by sambb
Sun Jun 09, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 13574

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

I own a Tesla - Please don't spread rumors. What they are doing is good for us all. The constant negative narrative against one of the few companies that has a clear positive corporate mission statement is growing old. I also like what Tesla is doing, but I don't consider it a good track car. At le...
by sambb
Sun Jun 09, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 13574

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

1. They are more of a weekend or evening car, after the first few months 2. Avoid potholes at all costs and rain/snow 3. Be aware that some people are jealous and will attempt to scratch your car. Im serious. So dont drive to a sporting event, etc. 4. They are fun 5. The do depreciate (italian) for ...
by sambb
Wed Jun 05, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6604

Re: What do business pros wear on redeye Business Class flights

Khakis and polo, and get on board and sleep. no movies etc.
When you land, in the arrivals lounge take a quick shower, shave, and wear a blazer
by sambb
Sat Jun 01, 2019 8:36 pm
Forum: Personal Investments
Topic: Isn’t it good to have some bond funds in taxable account?
Replies: 11
Views: 1695

Re: Isn’t it good to have some bond funds in taxable account?

in high tax bracket, munis make sense
by sambb
Mon May 27, 2019 3:53 pm
Forum: Personal Investments
Topic: Portfolio for young, worried investor
Replies: 48
Views: 3339

Re: Portfolio for young, worried investor

given your risk tolerance, i would put it in LS mod growth in a roth ira
no need to do anything else until you have substantial funds. consider LS growth also.
by sambb
Sun May 26, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12303

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

if risk tolerance has changed, due to earnings, market forces, etc. and youre close to winning the game, then why not go conservative.
by sambb
Fri May 24, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Finance depreciating asset?
Replies: 22
Views: 1745

Re: Finance depreciating asset?

lease. if you get in an accident, the value will go down so much on these luxuery cars. If you like it, buy it in 3 years. You probably wont like it. Lease incentives are great for luxiry cars/
by sambb
Thu May 23, 2019 5:30 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 6828

Re: Is Tesla Going To Survive?

its a terrible investment and company - has it ever made money for a year? anyonne can make a money losing product, beware for shareholders,,, i prefer vtsmx
by sambb
Sun May 19, 2019 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 45
Views: 5830

Re: Aiming to Retire End of 2019 - Abit Scared

would you retire if the market crashed 30% to 50% or more? you may not be ready.
by sambb
Sat May 18, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 18277

Re: High net worth, elite private or “good” public

would go private for sure given the OP's comments.. Good luck.h
by sambb
Sat May 18, 2019 7:51 pm
Forum: Investing - Theory, News & General
Topic: Valuations of International Equities vs. US Equities
Replies: 31
Views: 2929

Re: Valuations of International Equities vs. US Equities

impossible to know what will happen in the future past performance doesnt matter, and doesnt affect the future Hence, best bet is to diversify across bonds, stocks, and intl, and hedge one's bets Savings rate is more important - doesnt matter if US or intl does better or worse, if you only invest 1%...
by sambb
Thu May 16, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4184

Re: Reservations about job offer

They probably have an internal person, who desired the job, and may leave if someone is hired. They dont want to deal with the drama. So they are placing it on you.
I would decline
by sambb
Wed May 15, 2019 3:03 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6773

Re: Do you reward yourself for achieving a financial goal?

you left out a zero from my perspective maybe buy something) at 2,500,000. Usually it might be a starbucks coffee nice car (1-2 years old, preowned) at 5,000,000 if needed and old car is ready to be turned in, not as a reward though at 250,000 or 500,000 not really on the radar for me, thats just mo...
by sambb
Mon May 13, 2019 8:51 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4312

Re: Email to my Edward Jones Rep

trustquestioner wrote:
Mon May 13, 2019 8:26 pm
Don’t thank him. He’s not a “nice guy.”
+1000 You;ve been taken advantage of, and he has you believing in him. Stay away from him.