Search found 2331 matches

by sambb
Tue Jan 01, 2019 10:43 pm
Forum: Personal Investments
Topic: VITAX ( vanguard tech fund )
Replies: 16
Views: 1765

Re: VITAX ( vanguard tech fund )

anyone in this?
by sambb
Tue Jan 01, 2019 8:33 pm
Forum: Personal Investments
Topic: Target Retirement Funds?
Replies: 5
Views: 993

Re: Target Retirement Funds

I think all are fine and all will do ok
Smart to be in those funds and keep it simple in tax deferred acts
by sambb
Tue Jan 01, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: The big Value Trap year of 2018
Replies: 35
Views: 3694

Re: The big Value Trap year of 2018

Unclear why BH is against market timing, except for bonds
good time to buy intl or small cap or value
by sambb
Tue Jan 01, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19733

Re: Favorite Purchase of 2018?

Great purchases: pelaton sony xm3 wireless headphones mesh network from eero 79 cent soda at gas station when i was really in the mood for one and thirsty peppermint mocha @ starbucks Hermes tie at rue st honore for my boss evernote subscription gasoline for unnamed sports car amazon prime still loo...
by sambb
Tue Jan 01, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Car purchase. Need to consider seat height.
Replies: 32
Views: 26705

Re: Car purchase. Need to consider seat height.

best access for cars is a minivan with sliding doors. of course, many people dont want such a vehicle.
by sambb
Tue Jan 01, 2019 8:15 am
Forum: Personal Investments
Topic: Best place to keep track of market
Replies: 24
Views: 1711

Re: Best place to keep track of market

iphone makes this (and everything) so easy
by sambb
Mon Dec 31, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 884
Views: 126146

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

some may decide as an option to trade or sell for a different car and be done with it
by sambb
Mon Dec 31, 2018 2:50 am
Forum: Personal Investments
Topic: var annuity fell below tefra cost basis
Replies: 4
Views: 484

Re: var annuity fell below tefra cost basis

Buying a variable annuity is the best way to turn long term capital gains (probably 15% Federal tax) into ordinary income (probably 22% or 24% Federal tax). With that said, I bought 3 Vanguard variable annuities in the early/mid 1990s; one for my wife when she became a stay at home mom & 2 for my k...
by sambb
Sun Dec 30, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13773

Re: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]

so bogle is a market timer now? ok, thats interesting
by sambb
Sun Dec 30, 2018 6:49 pm
Forum: Personal Investments
Topic: var annuity fell below tefra cost basis
Replies: 4
Views: 484

var annuity fell below tefra cost basis

I have a small variable annuity with vanguard. With the market down, the value has fallen below the cost basis. if so, wouldnt it be a good idea to cash it out (no penalties), since i wouldnt owe taxes on it? (lower in value). I assume no penalty, correct? Any downside to this? What sort of tax form...
by sambb
Sun Dec 30, 2018 7:21 am
Forum: Personal Investments
Topic: Will Bond Fund's NAV rebound if I wait long enough?
Replies: 25
Views: 2013

Re: Will Bond Fund's NAV rebound if I wait long enough?

If you hold >10 years, youll be fine, and you get the yield. It will work out.
by sambb
Sat Dec 29, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Dividend Stocks Mitigate Secular Bear Markets?
Replies: 43
Views: 3137

Re: Dividend Stocks Mitigate Secular Bear Markets?

did it take into account taxes on the dividends if in a taxable acct
by sambb
Sat Dec 29, 2018 5:00 pm
Forum: Personal Investments
Topic: Opinions sought $3.5 M Net Worth
Replies: 76
Views: 9027

Re: Opinions sought $3.5 M Net Worth

go 60/40 S:B, or 50:50.
In 2 years go to part time
Youll be fine.
by sambb
Sat Dec 29, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Corvette vs Cayman/Boxster......anyone owned both?
Replies: 57
Views: 4619

Re: Corvette vs Cayman/Boxster......anyone owned both?

cayman or boxster BY FAR..
by sambb
Sat Dec 29, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 234025

Re: What is your Year 2018 networth change?

even, as savings eclipsed equities loss. Best thing to invest in, is your career to raise income. Far better than index funds
by sambb
Fri Dec 28, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 9055

Re: How to afford a sports car?

best solution is to invest in yourself to raise your income. work harder than others, and enjoy the job and the company mission, and you will advance also. good luck.
by sambb
Fri Dec 28, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2393

Re: Why do people buy- performance cars?

ive owned from accord/camry/subaru to german sports cars to exotic cars. They all have character. Why own one? Because some have fun with them. It is beyond the performance. I could eat ramen noodles or go to a nice restaurant. there are lots of choices. Some find these cars attractive, and have a p...
by sambb
Fri Dec 28, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Economy car vs Luxury - confirmation of a good decision
Replies: 29
Views: 1691

Re: Economy car vs Luxury - confirmation of a good decision

new BMWs Ive had, had free maintenance for 50,000 miles. Definitely was cheaper than a new accord ive owned. Camry also that ive had, was 2 years free. "free" is relative - in the end, its rolled into the price of the car.
by sambb
Fri Dec 28, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Why stay the course? Why not sell all?
Replies: 68
Views: 6887

Re: Why stay the course? Why not sell all?

if you know the market is going down, then yes, you should sell.
Problem is that you may not know. Harder than you think. Of course its easy to be right in retrospect.
by sambb
Thu Dec 27, 2018 6:01 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7409

Re: Nice jeans for work with lowest average cost of ownership

lee and wrangler? No.
If you dont know, just go to the gap or banana republic, or lucky or 7 and get a few pairs.
And get some decent loafers (cole haan , bass, gucci, ferragamo, or allen edmonds)
by sambb
Thu Dec 27, 2018 5:02 am
Forum: Investing - Theory, News & General
Topic: What is really going on?
Replies: 39
Views: 4035

Re: What is really going on?

market down = more sellers than buyers
So fewer people/managers have confidence in the market
by sambb
Wed Dec 26, 2018 8:06 pm
Forum: Personal Investments
Topic: Did I Do Something Stupid With My AA?
Replies: 22
Views: 1869

Re: Did I Do Something Stupid With My AA?

I would move more slowly. To 60/40 etc
by sambb
Wed Dec 26, 2018 1:40 am
Forum: Investing - Theory, News & General
Topic: Is there any Low Risk 4 % Return
Replies: 52
Views: 6441

Re: Is there any Low Risk 4 % Return

interesting. i would buy stock.
by sambb
Tue Dec 25, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: buy HIGH and sell LOW?
Replies: 21
Views: 3150

Re: buy HIGH and sell LOW?

im not referring to the TLH threads, thats a whoel different topic
Im talking about people that say they bought in, and are now thinking of getting out due to ongoing losses
by sambb
Tue Dec 25, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: buy HIGH and sell LOW?
Replies: 21
Views: 3150

Re: buy HIGH and sell LOW?

people who are nervous and selling may be right, but those with a long time horizon are probably going to be rewarded by staying put
This is why most beginners shoudl start with a 60/40 allocation for a few years, not listen to people who advise 80/20 before they are comfortable.
by sambb
Tue Dec 25, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Working Holidays for extra money.
Replies: 64
Views: 4596

Re: Working Holidays for extra money.

heck yes i would work for that pay.. no doubt.. at least while i am able to physically/. younger age working = more time for compounding.
by sambb
Tue Dec 25, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 59053

Re: What NON frugal thing did you do today?

got a mesh wifi network to update my old one.
Mesh network is awesome, and wish i would not have waited this long
took 15 minutes to set up in a large house with over 20 devices connecting
by sambb
Tue Dec 25, 2018 6:02 am
Forum: Personal Investments
Topic: Anyone Else Buying Xmas Sale in Equities?
Replies: 23
Views: 3254

Re: Anyone Else Buying Xmas Sale in Equities?

Buying a little and will continue to do it during bear market
by sambb
Mon Dec 24, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: Worst prediction ever?
Replies: 15
Views: 2205

Re: Worst prediction ever?

I think that we saw far worse predictions and convincing in recent political elections. 7% up or down? we know no one can predict the future. I think its no big deal. Wasnt there an author predicting a great depression in the 90s? Ravi something?
by sambb
Mon Dec 24, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9841

Re: Are we officially in bear market ?

yes, if defined strictly
by sambb
Mon Dec 24, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: buy HIGH and sell LOW?
Replies: 21
Views: 3150

buy HIGH and sell LOW?

Im confused by threads that have popped up, that state that people want to sell now that the market has gone down. Isnt the point of investing that one buys low and sells high? If we are down 20% isnt it a better time to buy than 2 months ago, since you get more for your money? I suppose it depends ...
by sambb
Mon Dec 24, 2018 8:48 pm
Forum: Personal Investments
Topic: Stay the course or change portfolio
Replies: 15
Views: 1695

Re: Stay the course or change portfolio

I would stay the course, we've already gone down
by sambb
Mon Dec 24, 2018 8:44 pm
Forum: Personal Investments
Topic: Should I rebalance again?
Replies: 13
Views: 1653

Re: Should I rebalance again?

I would rebalance. Its a form of market timing - sell high and buy lower!
by sambb
Mon Dec 24, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21339

Re: Whose buying today? where's all the "dry powder" folks at? :)

squirm wrote:
Mon Dec 24, 2018 4:27 pm
sambb wrote:
Mon Dec 24, 2018 4:20 pm
im slowly adding as market declines.. missed adding in 2008. Going to add now. Dont need the money for 10 years
But the market is three times higher in price today.
yes, didnt have the income back then to add, now i do
by sambb
Mon Dec 24, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21339

Re: Whose buying today? where's all the "dry powder" folks at? :)

im slowly adding as market declines.. missed adding in 2008. Going to add now. Dont need the money for 10 years
by sambb
Mon Dec 24, 2018 8:53 am
Forum: Personal Investments
Topic: UTMA cashed in, advice requested, thanks
Replies: 5
Views: 340

Re: UTMA cashed in, advice requested, thanks

kids are 10-14, purpose of money is up to them when they turn 18, i know that has its own issues, but thats a separate discussion. what do i need to do now in 2018 ? (taxes, etc)
by sambb
Mon Dec 24, 2018 8:36 am
Forum: Personal Investments
Topic: UTMA cashed in, advice requested, thanks
Replies: 5
Views: 340

UTMA cashed in, advice requested, thanks

Hello, my parents put money into a UTMA for my kids who are minors. it was a very low return, in a bank CD. Only in there a few years. When the CD ended, my parents cashed out the UTMA, and a check solely in my kids name was deposited into a savings account for them under them (i am a co-owner of th...
by sambb
Sun Dec 23, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7349

Re: What was your best investment in 2018?

best investment was investing in MYSELF rather than saving some of those dollars. Much better ROI than the S&P in current or future.
by sambb
Sun Dec 23, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: spent too much? festive season gifts
Replies: 25
Views: 2159

spent too much? festive season gifts

During this festive season, are there any general spending guidelines? I spent 1% of my yearly income on presents for my family. I still have time to return, but dont know what guidelines people use. Is there any basic rule to follow for gifts.
by sambb
Sat Dec 22, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: How market timing will go wrong?
Replies: 62
Views: 3932

Re: How market timing will go wrong?

after a large runup, it is reasonable to rebalance to a lower allocation, as you might feel that you want to lower risk, and can rebalance to that risk, nothing wrong with it.
Also, people seem to time the bond market for some reason
by sambb
Sat Dec 22, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Percentage of Net Worth in Equities
Replies: 23
Views: 1936

Re: Percentage of Net Worth in Equities

68.6% Bearing in mind that covers my fairly accurate net worth. Per the many other silly threads on here, you'd best define net worth for all the BH that are too befuddled to understand that net worth = assets minus liabilities. Some people won't count their house in their net worth, let alone othe...
by sambb
Sat Dec 22, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2612

Re: Expensive Colleges - Investment Worth It

I feel that an ivy has an ROI. At least it did for me. Ymmv.
by sambb
Sat Dec 22, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How market timing will go wrong?
Replies: 62
Views: 3932

Re: How market timing will go wrong?

You have to be right twice. You need to know when to sell and when to buy back in. You have no idea of knowing whether or not today will be the lowest the market will ever be again. 400, 500, 600, 700—once the S&P 500 hit those levels it never went back. Not really. If you sell and buy back at any ...
by sambb
Fri Dec 21, 2018 11:44 pm
Forum: Personal Investments
Topic: Little Lost
Replies: 14
Views: 1457

Re: Little Lost

they are robbing you wit fees
by sambb
Fri Dec 21, 2018 10:08 pm
Forum: Personal Investments
Topic: bond funds up since rate hikes
Replies: 9
Views: 1073

Re: bond funds up since rate hikes

so glad i didnt listen to people here who time the bond market
by sambb
Fri Dec 21, 2018 9:06 pm
Forum: Personal Investments
Topic: bond funds up since rate hikes
Replies: 9
Views: 1073

bond funds up since rate hikes

in the last month or so, with rate hikes announced, my bond funds are up. Although bonds coorelate with rates, bond funds may trade at expectations rather than actual rates, correct? Glad i stayed in the bonds i had