Search found 2173 matches

by sambb
Mon Dec 10, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable or Tax-Exempt Bonds
Replies: 20
Views: 1351

Re: Taxable or Tax-Exempt Bonds

fairly low tax bracket for tax exemtp until marginal rate is 30s
by sambb
Mon Dec 10, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2610

Re: Who is buying SCV, EM, Intl SC

buying EM and international - yes. Also bought bonds in the bond downturn this year. Nice to buy low.
by sambb
Tue Dec 04, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 2873

Re: Travel now & work a bit longer, OR the other way around?

So glad i traveled in 20s, 30s, way more fun than later
So glad i blew the money
great times
by sambb
Mon Dec 03, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: rebalanced to bonds and intl out of US equtiies
Replies: 8
Views: 696

rebalanced to bonds and intl out of US equtiies

In the recent runup of US and rundown of bonds and international, i balanced a little into bonds and interntional from US, to meet my allocation goals. Wonder if this will be a good idea or not based on so many here at BH who are negative on bonds or intl.
by sambb
Sun Dec 02, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Trying not to use the term timing, but...
Replies: 23
Views: 1845

Re: Trying not to use the term timing, but...

sounds like you need to be at 60/40 whcih is more comfortable for most.
by sambb
Thu Nov 29, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: The first million?
Replies: 36
Views: 5479

Re: The first million?

all depends on market returns doesnt it
by sambb
Thu Nov 29, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: I don't know what to do with my money. Advice?
Replies: 40
Views: 4296

Re: I don't know what to do with my money. Advice?

TSM can swing by 50% in a bear market.. have to be able to stick it out
by sambb
Thu Nov 29, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4384

Re: How do Bogleheads justify taking vacation?

save enough, spend the rest
by sambb
Tue Nov 27, 2018 6:23 am
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5323

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

Reality - Fidelity reduces fees on ton of index funds and launches zero fee fund offerings. This puts their index funds at the lowest cost in the industry and low minimums. They also added access to more iShare funds as no trading cost. They also launched an HSA account which will be a great, low c...
by sambb
Tue Nov 27, 2018 5:50 am
Forum: Investing - Help with Personal Investments
Topic: I don't know what to do with my money. Advice?
Replies: 40
Views: 4296

Re: I don't know what to do with my money. Advice?

Place monthly 50 pct of montly savings in total stock, and keep 50% in money market or pay down debt with it. If you can stomach that allocation for a year or two without making changes, then make a allocaiton of 60S 40B (or pay down mortage on the 40), and stay there for 20 years. You will have man...
by sambb
Sun Nov 25, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54370

Re: Name something you had to have and now you regret purchasing it?

Still once in awhile find "paper" newspapers in a drawer - such a total waste of money and trees, and obviously represents an era of the far past.
by sambb
Sun Nov 25, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: YTD 15% capital loss. What is next?
Replies: 27
Views: 2506

Re: YTD 15% capital loss. What is next?

The best advice i woudl give, is to start out at a 50/50 allocation. Invest 50% over 6-8 weeks in total stock. Keep the other 50% out of the market. If you can keep comfortable for 6-12 months, invest the other 50% in stock funds or bond funds or both. If you cant keep invested and stable with a 50/...
by sambb
Sun Nov 25, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Hold bonds in taxable or tax-deferred accounts? I am confused
Replies: 23
Views: 4885

Re: Hold bonds in taxable or tax-deferred accounts? I am confused

there are reasons to keep munis in taxable and it depends on tax bracket also. THere is no hard and fast rule.
by sambb
Sun Nov 25, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Destroying my lease mileage
Replies: 26
Views: 2587

Re: Destroying my lease mileage

Another way to look at it. You leased for 36k miles for a fixed, known amount of money.. yes, you are supposed to pay over 36 months, but you leased for 36k miles. It is for a fixed amount of money. You get what you paid for - which is 36k miles. Nothing has changed since you drive more. I would dri...
by sambb
Sat Nov 24, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: How to invest for the long haul with black swans on the horizon
Replies: 14
Views: 1539

Re: How to invest for the long haul with black swans on the horizon

invest globally and if worldwide GDP takes a hit, then we all will be in trouble. War, disease, famine, worldwide plague, can affect all of us. Cant worry about everything i suppose.
by sambb
Sat Nov 24, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: gift shares of mutual fund to an heir
Replies: 2
Views: 342

gift shares of mutual fund to an heir

Has anyone with vanguard or fidelity gifted shares to an heir?

I assume one can gift up to 30k a year per couple, and the recipient recevies a step up cost basis

Any other thoughts ,and how does one do it?
by sambb
Sat Nov 24, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44717

Re: Bonds - Throw it all on the table!!!

i use TBM in tax deferred and intermed term and LT term tax exempt in taxable.

The concept of tax efficient fund placment is flawed in high tax brackets since tax equivalent muni yields are really good, and one would have to pay taxes on index fund dividends. I wish that wiki would be revised more.
by sambb
Sat Nov 24, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4777

Re: Should I sell my house?

sell if you decide not to inflate lifestyle with the ca$h. keep it otherwise and rent.
by sambb
Sat Nov 24, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Vacation for single parent and 2 teens: Belize or where?
Replies: 29
Views: 2308

Re: Vacation for single parent and 2 teens: Belize or where?

belize or costa rica are great. I wouldnt even consider researching at a library, though that is an option.., theres the internet at your figertips. Libraries, newspapers, etc arent really the way to look at this for most when you can google. On the net you can find plenty more up to date on these t...
by sambb
Sat Nov 24, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5472

Re: What’s your “barometer” for luxury purchases?

...how you make decisions around watches and cars... I would guess that the very same people that would never justify spending more than $200 on a watch are the same people that might own a Lexus over a Toyota... My decision on watches is not to buy one. My wife's cell phone tells us the time and I...
by sambb
Sat Nov 24, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Reducing number of funds by supplementing LifeStrategy
Replies: 16
Views: 2165

Re: Reducing number of funds by supplementing LifeStrategy

LS or TR are GREAT funds in tax deferred. Good luck
by sambb
Sat Nov 24, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Dealing with Reality
Replies: 20
Views: 3560

Re: Dealing with Reality

Best thing is to go 50/50 - put in half over the next 4-8 weeks. Keep the other half in MM. Reconsider in 6 months based on your actual risk tolerance, rather than your theoretical risk tolerance. I would place 25% in total stock, 15% in total intl, 10% in total bond or intermed term tax exempt. - D...
by sambb
Wed Nov 21, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investment strategy - timing issue
Replies: 23
Views: 1453

Re: Investment strategy - timing issue

No one knows the future, and yes, we could be at a top Sounds like you should be 50/50 allocation, so you are partly correct and partly wrong, and get comfortable. If you are set on 100/0 or 0/100, your post does not jive with that Thanks. That is an interesting and very helpful idea, maybe it will...
by sambb
Wed Nov 21, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 16996

Re: Do you need to invest mostly in stocks to get rich?

stocks can make one poor also - japan in the 90s for example There are no guarantees. Best way to be rich is not investing in the market - it is, instead, investing in YOURSELF - to raise your income. That is rarely in threads here, but has so much more importance than index investing, fees, etc. Yo...
by sambb
Wed Nov 21, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investment strategy - timing issue
Replies: 23
Views: 1453

Re: Investment strategy - timing issue

No one knows the future, and yes, we could be at a top
Sounds like you should be 50/50 allocation, so you are partly correct and partly wrong, and get comfortable. If you are set on 100/0 or 0/100, your post does not jive with that
by sambb
Wed Nov 21, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: rebalancing with montly contributions
Replies: 1
Views: 257

rebalancing with montly contributions

My savings exceeds the tax deferred area, so i invest in taxable also. I usually just contribute at a fairly standard ratio, whcih ultimately can serve to rebalance my account over time, instead of selling assets to exchanging.. I know the ability to do this decreases as one's net worth increases, s...
by sambb
Tue Nov 20, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: lexus LS 500
Replies: 1
Views: 439

lexus LS 500

Anyone own one, who can offer a review?Thanks.
by sambb
Mon Nov 19, 2018 6:09 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 70
Views: 5511

Re: Best headphones under 500 bucks

sony xm3 are great. i was a bose person until i tried them. they are fantastic
by sambb
Sun Nov 18, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Assets in Taxable Account/Highest Tax Bracket
Replies: 3
Views: 276

Re: Assets in Taxable Account/Highest Tax Bracket

i would not follow the tax efficient func placement wiki. I would keep tax exempt bond funds (intermed term tax exempt) and stock index funds in taxable.
by sambb
Sun Nov 18, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Is my husband ready to quit tenured professorship to pursue side hustle?
Replies: 97
Views: 10385

Re: Is my husband ready to quit tenured professorship to pursue side hustle?

depends on whether or not the stock market tanks in the next few years, or we have a prolonged bear market, or unforseen expenses/health issues.
by sambb
Wed Nov 14, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Satisfied with 3% Returns for the last 10 years of working?
Replies: 13
Views: 2203

Re: Satisfied with 3% Returns for the last 10 years of working?

Bonds can also lose money in dire times. I would move to a 25% stock, 75% short term bond portfolio or 25 S/ 50 STB/ 25 intermed bonds
This is based on my amatuerish psychological reading of your risk tolerance. Thats ultraconservative. Better yet, just go 50/50 and let it ride.
by sambb
Sun Nov 11, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29230

Re: Habits of the Rich

investing in oneself to produce skills, experiences, or education to lead to higher income is far more valuable than any mutual fund or emergency fund. also, higher savings rate is far more valuable than index funds.
by sambb
Tue Nov 06, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: high tax bracket - muni bonds in taxable
Replies: 8
Views: 1213

Re: high tax bracket - muni bonds in taxable

i think the wiki is terrible at considering the options for high tax brackets
by sambb
Tue Nov 06, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12889

Re: Are we in trouble?

sell your homes. drop prices.
by sambb
Tue Nov 06, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6042

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Panamera. Preowned if needed.
by sambb
Mon Nov 05, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: high tax bracket - muni bonds in taxable
Replies: 8
Views: 1213

Re: high tax bracket - muni bonds in taxable

In high tax brackets, I do prefer holding muni bonds in taxable accounts rather than stocks (with taxable bonds in an IRA). This is particularly important if you can use munis for your high-tax state. Most taxpayers pay 15% tax on qualified dividends and capital gains, and 0% on munis. At current y...
by sambb
Sun Nov 04, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: high tax bracket - muni bonds in taxable
Replies: 8
Views: 1213

Re: high tax bracket - muni bonds in taxable

the wiki doesnt reflect these things
by sambb
Sun Nov 04, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: high tax bracket - muni bonds in taxable
Replies: 8
Views: 1213

Re: high tax bracket - muni bonds in taxable

yes, it is a good case to keep allocatiosn equivalent - hence hedging one's bets. For example, both accts could be 60/40 if the goal is 60/40 overall. No need to take one stance or another.
by sambb
Sun Nov 04, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: high tax bracket - muni bonds in taxable
Replies: 8
Views: 1213

high tax bracket - muni bonds in taxable

Lets speculate that one is in the highest tax bracket Lets also speculate that the tax equivalent yield of tax exempt intermed term funds is higher than the taxable yield of taxable intermediate term bond funds So, with tax exempt bonds in taxable, a high income individual receives the following: 1....
by sambb
Sat Nov 03, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18451

Re: Vanguard website "unavailable during weekend of Nov 3"

as usual, the IT issues indicate a persistent leadership failure in vanguard, as this shouldnt happen. hopefully ceo and other changes can help. the execs should be reprimanded for ignoring the IT issues for years
by sambb
Tue Oct 30, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy
Replies: 30
Views: 2253

Re: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy

Hello, After reading Taylors 3 Fund book and several others I'm pretty convinced the main threat to my portfolio is myself (by the way of behavioral errors). Would it be correct to say that the Target Life funds are even more of a Bogle Head approach than the 3 fund portfolio? I’d say so. Target Re...
by sambb
Tue Oct 30, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 33
Views: 4407

Re: Subaru Ascent owners out there?

its interesting that sometimes these 3 row SUVs are discussed above as "fun to drive". I have found the 911 GTS ive owned to be fun, along with other exotics. ive also owned subaru vehicles. Subies are GREAT cars. but i would never describe them as fun to drive compared to a Macan, or a X5, etc. Not...
by sambb
Mon Oct 29, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: VASGX - What to do? [VG LifeStrategy Growth]
Replies: 15
Views: 1134

Re: VASGX - What to do? [VG LifeStrategy Growth]

you need to have a long term time horizon, over 10 years.
by sambb
Sun Oct 28, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: Being true to my IPS, or violating it?
Replies: 22
Views: 2034

Re: Being true to my IPS, or violating it?

If you are nearing your "number", it is perfectly reasonable to limit losses by changing allocation. I can imagine this can happen with raises and bonuses (if you dont inflate your lifestyle). I have seen others who are PAWs do the same.
by sambb
Sat Oct 27, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 2949

Re: Unplugging from Tech Tips

I am so glad to be plugged in, rather than having a land line phone, a newspaper, writing letters, and a checkbook. Also has replaced maps, and many other things. We've adjusted to a new lifestyle. Even when i work out, my smartwatch monitors the progress, my Heart rate, laps, etc. its amazing to be...
by sambb
Sat Oct 20, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Is it "naive" to just use Boglehead philosophies with extremely large amounts of money?
Replies: 4
Views: 1335

Re: Is it "naive" to just use Boglehead philosophies with extremely large amounts of money?

If you got to 500mil on your own you may be a better entrepreneur., but should put away 100M in the s&p and bods.
On the other hand, if it was a windfall, just go 60/40 and enjoy life, find something that makes you happy.
by sambb
Thu Oct 11, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7351

Re: My life saved by New subaru. Almost died.

agree with the OP - this is a great reason to lease and get new tech every 3 years. I think you'd have been in serious trouble in a 1999 camry.
by sambb
Mon Oct 08, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21690

Re: Talk me out of buying a Tesla Model 3

Go on line and look how long it takes to get parts if someone even has the tiniest minor accident with you. there is no strong supply chain. good luck!