Search found 2026 matches

by sambb
Thu Jul 19, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: $3 Million in Cash at 31; Looking to Invest $2M of it
Replies: 15
Views: 2914

Re: $3 Million in Cash at 31; Looking to Invest $2M of it

tinkering wiht your portfolio is the biggest issue, and markets have had a large bull run. Invest 2M into vanguard tax managed balanced, and dont change it for 2-5 years. If you can do that, then you can go for 2-3 fund portfolio. There is no need to take more risk, and this lets you get familiar an...
by sambb
Sun Jul 15, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: want to improve returns by 1%/year on a portfolio
Replies: 6
Views: 789

want to improve returns by 1%/year on a portfolio

Hello could you kindly offer a quick check on a sister in law's portfolio? the total amounts have been altered, but the math works out the same Besides tax efficient fund placement, what else can she do? Goal is retire in 7 yrars, needs 4% return to do that, but would like to get to 5% Goal: 1.4 M a...
by sambb
Sun Jul 15, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3257

Re: Like Lifestrategy Funds but???

I remember when Vanguard added the International Bond Fund. There was much discussion here. After 5 years, the International Bond Fund has returned 3.87% while the Total Bond Fund has returned 2.20%. At least for the past 5 years nobody has been hurt who had the International Bond Fund. Hmmm. This ...
by sambb
Sun Jul 15, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 77
Views: 5181

Re: Tell me what's wrong with my strategy

I would do 20% bonds at your age. High risk tolerance is common until a bear market hits.
FAANG stocks - i got no problem with it, it is probably the future, but adds risk.
by sambb
Sat Jul 14, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Shifting from Intermediate to Short-term Bonds
Replies: 11
Views: 1594

Re: Shifting from Intermediate to Short-term Bonds

I would keep intermediate term. Bonds are off their highs.
by sambb
Thu Jul 12, 2018 5:23 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 10020

Re: Six stocks make up 98% of S&P 500 gains in 2018

thank you to Apple, google, amazon for paying off my mortgage. Thanks to those companies!
by sambb
Wed Jul 11, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 8569

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

it is interesting how mnay people here recommend short term bonds, and it woudl be interesting to see if short term bonds are really less risk compared to long term bonds. ive been reading for many mnay years that interest rates are rising.
by sambb
Sun Jul 08, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3229

Re: Trying to hit grand slam with small % portfolio?

i want to thank apple and google for paying off my mortgage. Things can go well outside of indexing.
by sambb
Sat Jul 07, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction
Replies: 36
Views: 5325

Re: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction

place it all in tax managed balanced and then learn here for the next 3 years before doing anything else. Do not make any moves, while you learn. You will be happy you did this.
by sambb
Sat Jul 07, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Boglehead guilt with buying a car - Volvo vs Toyota Highlander
Replies: 69
Views: 4502

Re: Boglehead guilt with buying a car - Volvo vs Toyota Highlander

I know leasing isn't really popular on here, but if you don't need a lot of miles it's worth looking into. Total cost of ownership can come out significantly ahead on good deals. For example, I know from time to time you can lease an XC90 T5 for $400/mth at 10k miles/year (12k won't be much more). ...
by sambb
Sat Jul 07, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Boglehead guilt with buying a car - Volvo vs Toyota Highlander
Replies: 69
Views: 4502

Re: Boglehead guilt with buying a car - Volvo vs Toyota Highlander

I know leasing isn't really popular on here, but if you don't need a lot of miles it's worth looking into. Total cost of ownership can come out significantly ahead on good deals. For example, I know from time to time you can lease an XC90 T5 for $400/mth at 10k miles/year (12k won't be much more). ...
by sambb
Wed Jul 04, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: What a high-fee financial advisor really offers as a value proposition
Replies: 17
Views: 1719

Re: What a high-fee financial advisor really offers as a value proposition

glad you were able to talk to him, without any intention of moving money over. If i did this, it would cost me money - my time is valuable, and has a monetary cost. Spending time talking to someone for no purpose, would cost me money, so i couldnt say that the prolonged conversation would have been ...
by sambb
Fri Jun 15, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3945

Re: I am STUNNED over how much help my friends recieved with house purchase!

Just because someone helped them it doesn’t mean the individuals needed the help.

My parents have purchased things for me but I didn’t need them to.

I hope I can buy some things for my kids too.

Good luck.
by sambb
Mon May 28, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5134

Re: Splurging on the NBA finals

Watched Jordan many times
My advice is NBA games are great, fantastic.. IF you are in the first few rows. Otherwise, a prime seat at a local sports bar is good
by sambb
Sun May 27, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3059

Re: Cheapest ways to watch NBA playoffs

bar is the best place, and more fun
by sambb
Sun May 27, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: child's cashier check - deposit to bank or brokerage
Replies: 3
Views: 426

child's cashier check - deposit to bank or brokerage

I have a cashed out CD in my daughter's name, who is 12. It is only made out to her. Can it be deposited into a brokerage acct (UGMA), or do i have to deposit into a bank acct first? She doesnt have a bank acct.
by sambb
Mon May 14, 2018 5:13 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5096

Re: College laptop for fall 2018 freshman

i would not even consider buying a pc for college, given that campuses use macs like crazy.. yes some pcs. but a minority in many colleges. its more than about value.
by sambb
Sat Apr 21, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 33049

Re: KF's simple rules to achieve FI

Folks, Rule #3 Use "Pay Yourself First" saving method. Auto-deduct from your paycheck and save and invest the proper amount. Spend the rest. Rule #4 Contribute as much as possible to the tax-deferred accounts. Put the tax savings to the Roth IRAs and the taxable account. Rule #5 Do not save for col...
by sambb
Fri Apr 20, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13808

Re: Divs and Cap Gains are killing me

How can dividends and capital gains be killing someone - isnt the solution to just put a portion of them towards taxes, like any other income sources? im sure bonuses, lottery wins, consulting work, etc, could be "killing someone" as an income source - but dont you just put away the tax money?
by sambb
Thu Apr 19, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4814

Re: Another discussion about private vs public schools?

I went to public school, and went on to a top university. I am so glad I am NOT sending my kids to public school. The private is just so much better in my area. And I am happy to work longer and invest in my kids if it is a financial issue. Some others may choose not to do that. Good luck to both si...
by sambb
Sun Apr 15, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3417

Re: Las Vegas hotel

wynn, encore, vdara, or aria. cosmo too. bellagio, pallazo good too. mandarin is nice. four seasons is nice. mgm skylofts are nice,
by sambb
Sun Apr 15, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2774

Re: Can't afford health insurance -- options?

can also re-evaluate career options to try to incerase salary and benefits
by sambb
Sun Apr 15, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Dealing with poorly assigned hotel rooms?
Replies: 41
Views: 3475

Re: Dealing with poorly assigned hotel rooms?

noise is par for the course when traveling.
Pay extra, go to a nicer hotel with thick walls (I am amazed at some of the silence in super luxury hotels), and bring ear plugs.
Good luck
by sambb
Sat Apr 14, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 93
Views: 18018

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

people are using past performance
past performance has no bearing on future results
i would work a little more and keep your health insurance
by sambb
Sat Apr 14, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: HELP..not sure what to do at 55 YOA
Replies: 22
Views: 3387

Re: HELP..not sure what to do at 55 YOA

lifestrategy income and youre done until you can handle more risk
doesnt matter if it is in taxable, since youre at a very beginning phase
you need one fund portfolio, not 3 or 4
by sambb
Sat Apr 14, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: What hedge strategies do you employ?
Replies: 29
Views: 2953

Re: What hedge strategies do you employ?

Best thing to hedge is ones health. Stay in shape so the savings can be enjoyed. No point of saving that much if you can’t keep yourself in shape.
by sambb
Sat Apr 14, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 5053

Re: Bull Market Timing

Market does look a little long and the op may be right. It might be the time to get out. However I’m staying in. I hope the op is wrong. I can’t time it but an alternative is to lower risk if investments.
by sambb
Sat Apr 14, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer experience
Replies: 22
Views: 2221

Re: Vanguard customer experience

They have serious customer service issues but ost people do ok
by sambb
Sat Apr 14, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 10921

Re: Mid-40s in tech - how to pass off as acceptably young

Although age discrimination may hit you later, there is far more gender based and racial discrimination. Make sure there aren’t other factors happening if you are in any of these groups also. I don’t have a solution except to get in shape and also look beyond these younger types of companies also. T...
by sambb
Wed Apr 11, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 4358

Re: Am I being unreasonable?

I would go to private

20,000 a year to keep wife happy is pretty cheap

I dont see the issue that the others do above, it is more than an educational cost. It could be a relationship cost.
by sambb
Sun Apr 08, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: Can Big Tech Stocks Grow Without Limits?
Replies: 38
Views: 3265

Re: Can Big Tech Stocks Grow Without Limits?

Tech is great, but it has to be the right tech. Would also be wary of taking advice from the "newspaper" crowd on tech. Would also be wary of taking advice from the latest hipster. It is all a balance. I invest in both tech and value through total stock index.
by sambb
Sun Apr 08, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4767

Re: New Lexus LS or Tesla Model S

would avoid the tesla based on a family member's poor experience. But they are very different types of cars. Would get a 1-2 year old panamera CPO for sporty, or a preowned S Class 1 year old for luxury. Look at a 2017 Bmw 7 also. Lexus is nice for modern reliable sedan also. Ultimately, you cant go...
by sambb
Sat Apr 07, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 14194

Re: Ivy school education. Is it worth it?

Ivy league was well worth it for me, would not hesitate. Opened many many doors. More than paid for itself many times over. Was really a fantastic INVESTMENT AND ASSET, not a "cost". YMMV. Could care less about anecdotes of people who do well without it. There are always people who do well. For me, ...
by sambb
Sat Apr 07, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15941

Re: Parents have zero savings. What can I do?

work harder for them, or get divorced
you will feel pressure from your spouse, or she will just send them money without your support
she can after all ,it is your combined money
so either work harder or you got a problem (if they wont change)
by sambb
Mon Apr 02, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: bear market and rebalancing to lower risk
Replies: 13
Views: 1206

bear market and rebalancing to lower risk

With good profits, who is becoming risk averse and rebalancing to a lower risk due to risk tolerance change? If you have long time to retirement, what is the justification - I assume it is a change in risk tolerance due to market conditions? I am staying the course, but the volatility and the last y...
by sambb
Sun Apr 01, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Results after investing my Emergency Fund for 3yrs
Replies: 20
Views: 3619

Re: Results after investing my Emergency Fund for 3yrs

Having an emergency fund, when stock mutual funds are so liquid, was one of the worst decisons i have made, and so i have gotten out of it. I cant believe i tied up that money for so long in a money market fund.
by sambb
Sun Apr 01, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Keeping car for 4-5 years: Buy or lease?
Replies: 20
Views: 3313

Re: Keeping car for 4-5 years: Buy or lease?

at 4-5 years, you are very close in costs if you get a standard fair deal. I would probably lease, and invest the difference, which would probably be advantageous. if you buy, thats ok too. Pick a car with decent resale, like you have done. Avoid unreliable cars. Limit options.
by sambb
Sun Apr 01, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103981

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

Also, my insurance agent says his company will not write a collision policy on a Tesla. WHAT???? Would current Tesla owner comment on this please??? Uh, FUD (Fear, Uncertainty, Dread). It’s either nonsense, or time to get a new insurance company. ETA: in case it doesn’t go without saying, my Tesla ...
by sambb
Fri Mar 30, 2018 6:28 am
Forum: Investing - Theory, News & General
Topic: Is backtesting worthless? Are there ANY insights you can get from it?
Replies: 69
Views: 5170

Re: Is backtesting worthless? Are there ANY insights you can get from it?

Yes it is worthless. Look at the japanese market for some examples.
Backtesting is for comfort. No one can predict the future.
by sambb
Wed Mar 28, 2018 1:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 20131

Re: A lot of heavy hitters this morning

I am so thankful to the successful and higher income people on this board. It is great to hear from them and see the issues and advice. The top 1% in the world is income of 35k i believe. Most posters here make more than that (just a guess). Thanks to everyone here for their insights.
by sambb
Mon Mar 26, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Did I make a mistake changing the funds in my portfolio?
Replies: 9
Views: 980

Re: Did I make a mistake changing the funds in my portfolio?

I dont think the expense ratio is relevant, as target retirement can rebalance more easily, and includes intl bonds. These portfolios are not entirely equivalent. Youd be fine either way, but I would have kept it in target and not worry about it.
by sambb
Sun Mar 25, 2018 5:38 am
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 99
Views: 10979

Re: How to deal with regret

Japanese investors who bought and held stocks had regret for decades as the market didn’t rebound.

You have to accept that buy and hold could result in permanent losses for your lifetime depending on your age.

If unable to accept that then a lower risk investment is needed.
by sambb
Sat Mar 24, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed before I go mad :D
Replies: 53
Views: 5559

Re: Help needed before I go mad :D

Vanguard target and be done with it
by sambb
Sat Mar 24, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2601

Re: eBay seller mails hard drive in paper envelope

What was the cost savings vs buying one at amazob
by sambb
Sat Mar 24, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio too complicated, too risky
Replies: 7
Views: 964

Re: Portfolio too complicated, too risky

Given the complexity I would put it into a target retirement and be done with it. Other options are prone to tinkering.
by sambb
Sat Mar 24, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Low cost repair of CD players in older Camrys?
Replies: 27
Views: 1644

Re: Low cost repair of CD players in older Camrys?

Could consider upgrading car also to a more modern car with Bluetooth streaming.