Search found 2110 matches

by sambb
Sat Sep 15, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5322

Re: Employer won't Match 401k. Why?

the employer doesnt give a match. It is an expense on a balance sheet. They pay for it, which means that you pay for it, or shareholders pay for it. Someone pays for it, and it affects net revenue since it is an expense. employees may think it is free money, but it is an expense. Something else on a...
by sambb
Sat Sep 15, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 134
Views: 8779

Re: Age in Bonds - Still Recommended?

bmelikia wrote:
Sat Sep 15, 2018 12:33 am
I remember when the conversation on here during 2009/2010 was about how 60/40 was a good all weather portfolio- now the discussion is about how unnecessary (or rather minimal) a bond position is/should be in making up ones portfolio-just an observation

Anyone else remember this?
yes i remember.
by sambb
Sat Sep 15, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 10870

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

I reached my ultimate goal in my career at age 48. It was what I always wanted and worked for. After 3-5 years of working in this position I was FI by quite a wide margin. Did my work ethic and drive diminish? Disappointingly it did. I regret this even now after 12 years of retirement. Wish I could...
by sambb
Fri Sep 14, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 134
Views: 8779

Re: Age in Bonds - Still Recommended?

Often depends

bear market: age in bonds
Bull market: age-20 in bonds, and "im young, i have 30 years, no need for bonds
by sambb
Wed Sep 12, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7775

Re: iPhone XS Max

Go apple and go total stock index. Great products Feo. Great companies.
by sambb
Sun Sep 09, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6475

Re: Lower Return Decade Says Jack: Thoughts?

Not sure that Mr bogle could be sure of the future - didnt think anyone could, but he might think he can, and that might be a concern. That being said, maybe this is just his educated guess. Only time will tell.
by sambb
Sun Sep 09, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 63
Views: 7930

Re: My daughter's inheritance.

run away from those advisors, and seek help with vanguard or fidelity. Only.
by sambb
Sun Sep 09, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall at 40.5
Replies: 15
Views: 3206

Re: Windfall at 40.5

my goodness, congratulations. You will get all sorts of complex ideas here. They arent needed for success. Since you will be in a high tax bracket, i would place it in taxa managed balanced, take the dividends into money market, and tone down the thinking for 5-10 years without changing your investm...
by sambb
Sun Sep 09, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum into index fund, or ETF, versus dividend fund or stock
Replies: 5
Views: 441

Re: Lump sum into index fund, or ETF, versus dividend fund or stock

dont understand why people want dividend - the dividend decreases the stock price when it is paid by accounting standards. can always sell stock when needed.
by sambb
Sun Sep 09, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: 3 fund portfolio with Money Market instead of Bonds
Replies: 26
Views: 2707

Re: 3 fund portfolio with Money Market instead of Bonds

Nothing wrong with market timing as long as you are right. You might be correct that MmF is better than bonds. If so you will do better. It might also be a good occasion to Time the stock market and get out a little bit. Being in mmf over stocks or bonds reduces the chance of losing money in a down ...
by sambb
Sun Sep 09, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 76
Views: 10829

Re: Umbrella Policy: Right amount for $7 mil net worth?

For the OP, i would definitely buy 5M, and i would definitely buy a car with autobraking, lane change, blind spot etc - most of the brands have this now. I would not be driving an older car with out these.
Also get a doorbell security cam and other cameras. Cant hurt
by sambb
Thu Sep 06, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Vanguard from Edward Jones, Advice Needed
Replies: 6
Views: 695

Re: Moving to Vanguard from Edward Jones, Advice Needed

30k is a fairly small sum, i would lump sum, but if you have doubts, it isnt bad to DCA also. Once you leave EJ, the rest is small stuff. It probably doesnt matter too much no matter what you decide.
by sambb
Thu Sep 06, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8091

Re: Scaring the Old Folks

i dont think eating out or in will make too much a difference if savings are really good and investments also before retirement. All depends on the net worth at the end.
by sambb
Thu Sep 06, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7449

Re: Should I keep my financial advisor

to the OP - you are being fleeced. Place 60% of your funds in total stock, and 40% in tax exempt intermediate bonds (taxable). Dont change anything. Dont be tempted. As an MD you will have a good income, and this is all the risk you ever need. You will retire very rich at age 55-60. I would avoid th...
by sambb
Thu Sep 06, 2018 6:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 77
Views: 12284

Re: St Louis Bogleheads

West:
Kaldi's at Boones Crossing has a room.
Starbucks at Clayton and Mason has one very large table but is very busy.
by sambb
Tue Sep 04, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Deduction vs. Emergency Funds
Replies: 7
Views: 474

Re: Maximizing Tax Deduction vs. Emergency Funds

Having a non-invested emergency fund was a big waste of time for me - would much have preferred investing it and now i dont keep one. I have taxable holdings that can be sold, along with all sorts of other things. Emergency fund cost me way more in returns, than a high expense ratio, or a load fund ...
by sambb
Mon Sep 03, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5525

Re: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?

Yes, it is possible to do better than index funds with stock picking or getting lucky. Warren buffet for example, and many others. It is always better to work on one's career, to do better also. That would include many others, and the ROI is perhaps better. (Kanye was a teacher's kid, divorced paren...
by sambb
Mon Sep 03, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 36
Views: 6716

Re: Wellington Fund: where is the special sauce?

wellington has nearly the same 1,3, 5 year return as lifestratgey growth, though asset allocation is closer to LS mod growth
by sambb
Mon Sep 03, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing car leave me more freedom to invest?
Replies: 39
Views: 2972

Re: Does leasing car leave me more freedom to invest?

The insurance cost is not necessarily true. I avoided rear ending someone because my newer leased car had safety features that werent available in my older car. This saved me health bills, liability, lawsuits,time off of work, etc. That has a cost is signficant to some. Of course if i leased a car t...
by sambb
Mon Sep 03, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3528

Re: If the market is so hard to beat, why did a rapper beat it by 40%?

I dont beleive that Mr. West is a "rapper" anymore than Warren Buffet is a "salesman". I thought he was more of an entertainment executive, and has done pretty well in multiple businesses, not just stocks. I think he spends alot too. BUt he came from nothing, and has done very well overall.
by sambb
Sun Sep 02, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: How do I maximize my long term average expected return?
Replies: 32
Views: 2758

Re: How do I maximize my long term average expected return?

youre 24 and make a decent living. Place 80% of your money in total stock , 10 % in total intl, and 10% in total bond. Dont look at the money for 10-20 years. Youll be happy.
by sambb
Sun Sep 02, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing car leave me more freedom to invest?
Replies: 39
Views: 2972

Re: Does leasing car leave me more freedom to invest?

leasing is also nice if you get into an accident, which makes resale value of the car much lower on trade or private sell.
by sambb
Sun Sep 02, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for recently retired
Replies: 10
Views: 1208

Re: Investment advice for recently retired

I would place it all in vanguard lifestrategy conservative growth, and withdraw 70k a year, you'll be fine.
by sambb
Sun Sep 02, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing car leave me more freedom to invest?
Replies: 39
Views: 2972

Re: Does leasing car leave me more freedom to invest?

im glad to lease lately - invest the principal, and do well. Have latest tech. Car safety systems have already saved me from a wreck. May not buy again, depends. i use 12k miles a year.

im not interested in driving a 1999 camry.
by sambb
Sun Sep 02, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: small amount in tsp
Replies: 20
Views: 1454

small amount in tsp

I have a very small amount in tsp, less than 1% of net worth. Is there any advantage to keeping it - even with the advantages of G and other issues, it is just so small to make a difference. I was going to rollover.
by sambb
Sun Sep 02, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 262
Views: 121827

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

wonder if asset allocation comfort can help, or work longer and have more cushion
by sambb
Sat Sep 01, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time to go shorter in bonds ?
Replies: 100
Views: 7323

Re: Is it time to go shorter in bonds ?

greg24 wrote:
Fri Aug 31, 2018 1:33 pm
Many have been attempting to time the bond market since 2008/2009 meltdown.

At some point, they may end up being correct.
well Stated
by sambb
Wed Aug 29, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11122

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

myths/misunderstandings: vanguard has good customer service international is bad bogle is always right three fund is better than target date, etc in the future individual stocks should be sold bonds in tax deferred (for high income) expense ratio difference of 0.1 matters in the long term all financ...
by sambb
Tue Aug 28, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Done saving for retirement according to firecalc?
Replies: 51
Views: 4804

Re: Done saving for retirement according to firecalc?

I wouldnt. I would give yourself a larger cushion. Past performance does not predict future results, and we have had a long bullrun,
by sambb
Tue Aug 28, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.
Replies: 80
Views: 13491

Re: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.

I just wanted to say congratulations. What a great call on this asset to make that kind of money. I wish you the best of success in stabiliizng your situation and enjoying the position you are in. I think you did quite a bit better than any index fund, so great work.
by sambb
Tue Aug 28, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: target date retirement funds or 3 fund portfolio
Replies: 12
Views: 1167

Re: target date retirement funds or 3 fund portfolio

I know how to use 3 fund or 10 fund or anything in between. In tax deferred, yes, target retirement is nice, simple, and easy.
by sambb
Mon Aug 27, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5401

Re: Planning for an Indian wedding In NY/ NH area.

It might be that she comes from much more family wealth than you, and this is not expensive to them
by sambb
Mon Aug 27, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 243
Views: 22310

Re: U.S. stocks continue to soar!

might be a good time to rebalance off the table to a lower stock allocation slightly, but who knows
by sambb
Mon Aug 27, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28077

Re: What to do after losing $117k in stock market?

I would place all of your money in lifestrategy moderate growth (60/40), and just never touch it. you will be totally ok if you do this. Its ok if it is in taxable or nontaxable, you need a simple solution to live with. You can succeed.
by sambb
Sun Aug 26, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Disappeared HELP!!
Replies: 20
Views: 1408

Re: Vanguard Account Disappeared HELP!!

Vanguard potentially has very serious IT and customer service issues, but my accounts have reappeared when this happens. There is some problem with vanguard's IT i would presume as an outsider. I bet this reappears in a few days, but i would call. Do they have 24/7 customer service? I dont know if t...
by sambb
Sat Aug 25, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Move some over to Fidelity ZERO ?
Replies: 23
Views: 1779

Re: Move some over to Fidelity ZERO ?

fidelity beats vanguard on expense ratios of most bh funds
by sambb
Sat Aug 25, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3449

Re: Any issue with not holding mid caps?

I would tilt to small or midcaps. Can do better than total stock index, many threads on "tilting"
by sambb
Sat Aug 25, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Strike One, Strike 2, and Now What? Please Help!
Replies: 67
Views: 6674

Re: Strike One, Strike 2, and Now What? Please Help!

sounds like you arent happy when someone doesnt beat your target or 401k funds.
If you put it in index funds, there will always be funds and advisors that beat you and ones that wont.

I would put 60/40 in stock index and bond funds across your accounts while you figure out how you are comformatble.
by sambb
Sat Aug 25, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Certified Advisors: New? Young? Okay? Please Help!
Replies: 52
Views: 3111

Re: Vanguard's Certified Advisors: New? Young? Okay? Please Help!

I would avoid inexperienced advisors, and do it yourself or use target funds. Most of these advisors havent been through market downturns i bet.
by sambb
Sat Aug 25, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Move some over to Fidelity ZERO ?
Replies: 23
Views: 1779

Re: Move some over to Fidelity ZERO ?

would definitely move over to fido. for some reason, some threads seem to think lower expense ratios are ok only when it is vanguard with the lower ratio. Similar to customer service - good is expected, except when it comes to vanguard. It may be a biased audience for certain questions or certain re...
by sambb
Sat Aug 25, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bond Ladder / Tax Efficient Allocation of New Funds
Replies: 23
Views: 1850

Re: Municipal Bond Ladder / Tax Efficient Allocation of New Funds

In the top tax bracket, with advatngaes of munis over regular bonds, in many cases stock index can reside in tax deferred and munis in taxable.
by sambb
Fri Aug 24, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8486

Re: $65K Fun Daily Driver

65k?
fun?

Boxster preowned in manual for 45k is better than most 65k cars

For family car?
Macan S

For sedan?
Preowned panamera

For practicality?
camry hybrid 30k + miata 30k

Drop the mic
by sambb
Wed Aug 22, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds
Replies: 59
Views: 6892

Re: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds

We have to ask if fidelity zero + fidelity service > vanuard index + vanguard service
to many, fidelity will win that equation, to others they wont.
by sambb
Tue Aug 21, 2018 4:39 am
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5422

Re: How much do you put away in investments?

35-40% of gross; kids school prohibits reaching 50%
by sambb
Mon Aug 20, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 11887

Re: Is a million really the benchmark for retirement

1M = ~40k a year in expenses Unknown healthcare expenses are a confounder, along with unknown social security and unknown markets, and unknown inflation I'm not sure im comfy with 1M, but many are, and I wish them good luck. I choose to put in a little more work to get little more salary over the lo...