Search found 2331 matches

by sambb
Sun Feb 17, 2019 10:06 pm
Forum: Personal Investments
Topic: Vanguard Customer Service is Horrible
Replies: 44
Views: 3451

Re: Vanguard Customer Service is Horrible

I wish it was a customer service failure, but it probably isnt. In actuality, given the IT and customer service issues, it might be a larger leadership failure. Leadership probably not concerned and that causes problems..
by sambb
Sun Feb 17, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: Callan Periodic Table. Is the 3 fund portfolio adequate?
Replies: 19
Views: 1156

Re: Callahan Periodic Table. Is the 3 fund portfolio adequate?

What folks really need to understand is how portfolio returns are calculated... They are simply the sum of the weighted averages of each asset in the portfolio. Why is 3fund in vogue? It has all to do with it being HEAVY in U.S. TSM which has done very well last 10 years. SInce it is 70% large cap ...
by sambb
Sun Feb 17, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Life As A Negative Asset
Replies: 30
Views: 2498

Re: Life As A Negative Asset

Longer life, or more lives - kids/pets cost financially, but they may add to happiness
by sambb
Sun Feb 17, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 125
Views: 6317

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

never had a problem with audi or bmw. Would not buy old model a6. get a preowned macan S. CPO. Done.
by sambb
Fri Feb 15, 2019 5:36 am
Forum: Personal Consumer Issues
Topic: Which sports car ride in Nice, France?
Replies: 10
Views: 852

Re: Which sports car ride in Nice, France?

i pick the gallardo - better sound
the thrill however ,is driving, not riding
having owned some exotic cars, they are amazing, but riding in one is not really as enjoyable as driving one and learning its nuances
ymmv
good luck
by sambb
Thu Feb 14, 2019 4:44 pm
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 76
Views: 6296

Re: Theory: NOW is the Best Time for Total World Stock

OP is probably right. Target retirement have alot of intl also. Good luck.
by sambb
Sun Feb 10, 2019 10:38 pm
Forum: Investing - Theory, News & General
Topic: How do you know when you have reached FIRE number?
Replies: 19
Views: 1751

Re: How do you know when you have reached FIRE number?

one can never really know - look at japan from the 80s
by sambb
Sat Feb 09, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 275
Views: 29851

Re: Fidelity as a one stop shop

fidelity is excellent. i would go for it
by sambb
Sat Feb 09, 2019 8:59 pm
Forum: Personal Investments
Topic: Bonds have rallied since rate rises in last few months
Replies: 13
Views: 1843

Re: Bonds have rallied since rate rises in last few months

its interesting that BH justify bond market timing in all sorts of ways by calling it not timing
by sambb
Sat Feb 09, 2019 7:57 pm
Forum: Investing - Theory, News & General
Topic: How "Safe" is Your Bond Fund?
Replies: 43
Views: 4010

Re: How "Safe" is Your Bond Fund?

if in doubt, invest in treasuries or tips
by sambb
Sat Feb 09, 2019 7:53 pm
Forum: Investing - Theory, News & General
Topic: is rebalancing loosely akin to market timing?
Replies: 60
Views: 2752

Re: is rebalancing loosely akin to market timing?

yes, it 100% is. One becomes uncomfrotable with valuatin, change risk tolerance, and rebalance, or vice versa
by sambb
Sat Feb 09, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 878
Views: 125618

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

or one could just sell the car and start with a different model
by sambb
Fri Feb 08, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 10614

Re: Money saving move you regret the most?

bad money savings moves:
1. Coach tickets overseas
2. using vanguard instead of fidelity
3. buying an i5 instead of i7 computer
4. buying android instead of iphone once. Never again.
5. buying a camry instead of a boxster or cayman at one time
by sambb
Fri Feb 08, 2019 9:50 pm
Forum: Personal Investments
Topic: Bonds have rallied since rate rises in last few months
Replies: 13
Views: 1843

Bonds have rallied since rate rises in last few months

Bonds (at least munis) have done well since rate rises were announced in the last several months, and with many people on this board saying to not invest in long term bonds. Seems that market timing doesnt work well in the bond market. Or is it time to get out of LT bonds?
by sambb
Thu Feb 07, 2019 4:34 am
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 83
Views: 4902

Re: What Tech Gadget Would you Buy?

iphone + apps + home stuff that they can control
iphone can control so much, it is incredible
by sambb
Wed Feb 06, 2019 6:02 am
Forum: Personal Consumer Issues
Topic: Warm, quiet beach for March?
Replies: 20
Views: 1944

Re: Warm, quiet beach for March?

maldives
by sambb
Tue Feb 05, 2019 11:56 pm
Forum: Personal Investments
Topic: 29 year old taking over my previously managed investments
Replies: 17
Views: 2733

Re: 29 year old taking over my previously managed investments

wow, you are being fleeced to some degree by the advisor
by sambb
Tue Feb 05, 2019 9:43 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds w/ 0.09%ER
Replies: 20
Views: 2003

Re: Target Date Funds w/ 0.09%ER

100% go target date, no doubt,
by sambb
Mon Feb 04, 2019 8:20 pm
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3140

Re: Besides your core.. anyone also hold a play account?

I used to have an account, and bought apple with the first iphone. Paid off my mortgage with that one. Obvious win, to whomever touched that phone while people had their blackberries.
by sambb
Mon Feb 04, 2019 8:16 pm
Forum: Personal Investments
Topic: Best Vanguard funds to construct a *taxable* account?
Replies: 16
Views: 2272

Re: Best Vanguard funds to construct a *taxable* account?

At your age, i would look at:
total stock
emerging markets index
technology index ETF
total international

Dont look at the balance for 10-20 years
You will be thrilled and maybe rich
by sambb
Mon Feb 04, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Those who do not fly coach, where do you buy your tickets?
Replies: 30
Views: 4808

Re: Those who do not fly coach, where do you buy your tickets?

I buy at emirates.com or cathaypacific.com or aa.com or airfrance.com
by sambb
Sun Feb 03, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 302
Views: 21341

Re: Larry Swedroe: 3% is the new 4%

In researching this individual ,he seems to be part of a financial services and investment advisory firm.
by sambb
Sun Feb 03, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 302
Views: 21341

Re: Larry Swedroe: 3% is the new 4%

Why does anyone care about what This advisor says about this topic. Is there something special about this indicidual
by sambb
Sun Feb 03, 2019 9:30 am
Forum: Personal Investments
Topic: Efficiently Disposing of Girlfriend's LPL Financial Advisor - Vanguard or Schwab?
Replies: 27
Views: 2633

Re: Efficiently Disposing of Girlfriend's LPL Financial Advisor - Vanguard or Schwab?

just use a schwab or vanguard balanced fund or target fund and be done with it until one has more experience. Fidelity ok also. Whomever has a closer office.
by sambb
Sun Feb 03, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: On average, do people who use EJ, etc. come out ahead?
Replies: 52
Views: 4501

Re: On average, do people who use EJ, etc. come out ahead?

financial advisors can keep you on track for saving, investing, and not pulling out in market downturns. That more than justifies the fees and expenses for some people. They might keep you from investing in bad investments - poor real estate deals, scams, penny stocks, futures/options. But it has to...
by sambb
Sat Feb 02, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 4757

Re: Mazda Miata as Daily Commute Fun Car?

daily commute, in my opinion is a nice GT coupe or sedan with laser cruise control (or similar SUV). I like the range of an MDX or LS500 lexus (for the non enthusiasts), all the way to a 440i BMW coupe or a macan S or a S class from mercedes. Another option for the frugal minded is the basic camry h...
by sambb
Sat Feb 02, 2019 3:43 pm
Forum: Investing - Theory, News & General
Topic: The most important driver of retirement portfolio success (having enough nestegg at retirement)
Replies: 52
Views: 5677

Re: The most important driver of retirement portfolio success (having enough nestegg at retirement)

i think its funny when people argue against target retirement funds due to he expense ratio. vanguard marketing...

better to save and invest in oneself to raise incoime and savings. expense t\ratios largely not too big of a deal in most index fund families
by sambb
Sat Feb 02, 2019 11:19 am
Forum: Personal Investments
Topic: We won the game, went to 50/50, but it just doesn't feel right
Replies: 108
Views: 11476

Re: We won the game, went to 50/50, but it just doesn't feel right

To the op it will feel rught in a bear market
by sambb
Sat Feb 02, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: How much do you need to live on 200k/ year forever?
Replies: 90
Views: 12289

Re: How much do you need to live on 200k/ year forever?

seems like a reasonable solution is 3.3% and having the ability to spend less if world events cause drastic changes in the markets
by sambb
Fri Feb 01, 2019 9:37 pm
Forum: Investing - Theory, News & General
Topic: Will there be a slide in quality now that Mr. Bogle has died?
Replies: 17
Views: 1978

Re: Will there be a slide in quality now that Mr. Bogle has died?

The quality has already suffered during his lifetime, and hopefully discussions can happen to turn it around.
by sambb
Thu Jan 31, 2019 8:43 am
Forum: Personal Investments
Topic: Finally thinking about making the switch from Vanguard to Fidelity
Replies: 43
Views: 5323

Re: Finally thinking about making the switch from Vanguard to Fidelity

Fidelity far better service than vanguard. Would definitely consider having money in both and see how it goes.
by sambb
Thu Jan 31, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: When selling just isn't worth it
Replies: 24
Views: 2522

Re: When selling just isn't worth it

Sell and move on. No reason to keep UNLESS you plan on re-purchasing.
by sambb
Wed Jan 30, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 10713

Re: Please share some lifestyle creep you regret.

Flying Business Class for long distance international flights. A great luxury indeed and really hard to go back to coach once you get used to it. Should've never done it. +1 I did this once out of necessity (only way to get out that day). I could never go back to being in economy for long internati...
by sambb
Wed Jan 30, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 10713

Re: Please share some lifestyle creep you regret.

ive had some exotic cars, and they have been great - no regrets about any of them.. I regret buying new wheels for some of them, OEM is just fine for these sorts of cars. i also regret buying a medium range "road bike" for cycling - not that much better than a cheaper bike.
by sambb
Wed Jan 30, 2019 5:30 am
Forum: Personal Investments
Topic: How much stocks for 5 years?
Replies: 16
Views: 1094

Re: How much stocks for 5 years?

60/40 works
by sambb
Tue Jan 29, 2019 12:53 pm
Forum: Personal Investments
Topic: Pro and Cons to Vanguard Target Retirement Funds
Replies: 13
Views: 1268

Re: Pro and Cons to Vanguard Target Retirement Funds

they are a great choice.
by sambb
Mon Jan 28, 2019 9:09 pm
Forum: Personal Investments
Topic: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equity?
Replies: 75
Views: 8030

Re: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equi

The market goes up over time, that much we know. That's why we invest. Which market? Russia and China's markets have gone to zero in the past. Japan's is negative since 1990, an almost 30 year period. The US market had a negative return from 2000-2009, and was negative from even longer periods duri...
by sambb
Mon Jan 28, 2019 1:20 pm
Forum: Investing - Theory, News & General
Topic: Help me understand passive income
Replies: 19
Views: 1444

Re: Help me understand passive income

i believe you can get better cash flow from a good real estate deal, if that is your aim. Bond funds or stock funds probably cant bring in that. Of course, real estate deals are dependent on you actually being able to rent it out and keeping other costs low.
by sambb
Mon Jan 28, 2019 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 162
Views: 21559

Re: Millionaire by 40 and How you Did it?

Negative 6 figure net worth at the end of fellowship at age 32. Millionaire by age 35. LBYM, dont buy a big stupid house or fancy European cars, waited a few years to have children, saved more than 50% of take home pay, invested in simple, low cost index funds and avoided foolish investments Wow! w...
by sambb
Sun Jan 27, 2019 8:12 pm
Forum: Personal Investments
Topic: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equity?
Replies: 75
Views: 8030

Re: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equi

What did experts say in Oct 2016? What did they say about Japan in the late 80s? Will bonds crash also? What are they saying about gold? nevertheless, i do hold sizable international and EM funds, so diversification may be best. And those returns are real returns, correct?
by sambb
Sun Jan 27, 2019 3:45 pm
Forum: Personal Investments
Topic: Risk free or very low risk at 4%
Replies: 43
Views: 4401

Re: Risk free or very low risk at 4%

lowest risk to earn 4% is to save 4% = $4000. And invest that savings. And it will help you forever. Even saving an additional $500 means you only have to earn $3500.
by sambb
Sun Jan 27, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Did I do a terrible purchase on a used car?
Replies: 38
Views: 3930

Re: Did I do a terrible purchase on a used car?

The initial cost difference is less important the longer you drive the car. If you bought preowned, and drive for more than 5 more years, you'll be fine.
by sambb
Sat Jan 26, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 45
Views: 3837

Re: Where do you keep your emergency fund?

in invest it in taxable. one of the worst decisions i have made, is to keep it in money market or CDs , wasted so much in gains. Now it is invested.
by sambb
Sat Jan 26, 2019 10:15 pm
Forum: Personal Investments
Topic: Close Match to Wellesley or Wellington w/Fidelity
Replies: 26
Views: 2562

Re: Close Match to Wellesley or Wellington w/Fidelity

would not leave fidelity for vanguard. the IT and customer service issues at vanguard are worse than the benefit of switching over. several ways to get a balanced fidelity fund allocation