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Re: VWINX declining, any ideas why?

1.) Distribution. See above. 2.) Just because it's a conservative fund (but at a concentrated 40% stocks, it isn't THAT conservative) doesn't mean it won't fluctuate significantly, even relative to other conservative funds. The real answer to your question, and absolutely all questions regarding why...
by KyleAAA
Fri Dec 19, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3691

Re: Volvo vs. Mercedes

I'd think the Volvo is likely the only vehicle likely to still be running in 10 years without a fortune having been spent on maintenance. Other options: the Nissan crossovers are quite nice in the upper trims, and the Mazda CX-5 is VERY nice in its upper trim. Also, the new Kias are worth looking in...
by KyleAAA
Fri Dec 19, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 50
Views: 4168

Re: Very uncomfortable phone call w/Vanguard about Beneficia

This is not a brand new feature. My VBS does have a beneficiary. At least, that's what the rep tells me. I just can't find proof of it on the page that lists the accounts that have a beneficiary. It's a brand new feature on the website. Just because your VBS has a beneficiary doesn't mean the data ...
by KyleAAA
Thu Dec 18, 2014 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Very uncomfortable phone call w/Vanguard about Beneficiaries
Replies: 37
Views: 6159

Re: Very uncomfortable phone call w/Vanguard about Beneficia

You're basically trying to force them to add a brand new feature to their system that doesn't currently exist (or was turned off for some business reason). The customer service rep obviously doesn't have the authority to promise you anything. What did you expect them to say, exactly? If the system d...
by KyleAAA
Thu Dec 18, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Very uncomfortable phone call w/Vanguard about Beneficiaries
Replies: 37
Views: 6159

Re: WHY is retirement enjoyable / something to look forward

I don't think retirement necessarily is enjoyable/something to look forward to for many people. But a lot of people just aren't in love with their jobs, so of course it's something to look forward to for them.

So the real answer is a completely useless "it depends."
by KyleAAA
Tue Dec 16, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 141
Views: 8135

Re: Embarrassingly stupid question

I think most people probably mean pre-tax in that context.
by KyleAAA
Tue Dec 16, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Embarrassingly stupid question
Replies: 25
Views: 4479

Re: My first non fee advisor meeting..confused

SEPs are inferior to Solo 401(k)s for most. Although simpler, you can't do a backdoor Roth and you can't contribute as much in the income range of the OP. True, but there's no reason you can't use both. Actually there is. You're not allowed to contribute to both in the same year. If you're soing $5...
by KyleAAA
Sun Dec 14, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4620

Re: Please help. IPad spoiling my Christmas surprises

Just use private or incognito mode. All the major browsers have such a mode, I think (not sure about IE, but I'm sure it probably does).
by KyleAAA
Sun Dec 14, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Please help. IPad spoiling my Christmas surprises
Replies: 19
Views: 2525

Re: My first non fee advisor meeting..confused

EmergDoc wrote:SEPs are inferior to Solo 401(k)s for most. Although simpler, you can't do a backdoor Roth and you can't contribute as much in the income range of the OP.


True, but there's no reason you can't use both.
by KyleAAA
Sun Dec 14, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4620

Re: Apple software update / can no longer highlight text

iOS 8 broke a TON of stuff, especially where Safari is concerned. A ton of BIG MAJOR IMPORTANT OBVIOUS stuff, like window.close() in javascript. From what I can tell, they've mostly fixed these problems. But I wouldn't expect them to get around to fixing minor stuff like this until they've fixed the...
by KyleAAA
Sun Dec 14, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Apple software update / can no longer highlight text
Replies: 10
Views: 1186

Re: What is a move-up car after mid-size sedan?

Upper-trim Mazda 3/6 or Honda Accord (the new hybrid is NICE). Hyundai Genesis. Lower-trim Acura/Infiniti.
by KyleAAA
Sat Dec 13, 2014 11:43 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4035

Re: Car Loan vs Cash Flow

I'd keep the car loan as long as possible. 2.09% is cheap money. I strongly disagree with the point made above that borrowing for a house is different than borrowing for a car because home loans "build value." Money is fungible. Now, I would strongly advise that you really can't afford a ...
by KyleAAA
Sat Dec 13, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Loan vs Cash Flow
Replies: 22
Views: 1465

Re: iPad Purchase - Online vs Store

Doesn't matter either way, prices are the same. Prices are not the same. See here . One way to save a bit is to buy from an internet retailer that doesn't charge state sales tax. But then you will have to track the purchase yourself and pay the use tax in April. Same price, more work. Might as well...
by KyleAAA
Sat Dec 13, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: iPad Purchase - Online vs Store
Replies: 24
Views: 1618

Re: Car Loan vs Cash Flow

I'd keep the car loan as long as possible. 2.09% is cheap money. I strongly disagree with the point made above that borrowing for a house is different than borrowing for a car because home loans "build value." Money is fungible. Now, I would strongly advise that you really can't afford a c...
by KyleAAA
Fri Dec 12, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Loan vs Cash Flow
Replies: 22
Views: 1465

Re: How to teach young kids to be frugal?

I would think by example would be the best approach. That's how I learned.
by KyleAAA
Fri Dec 12, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4153

Re: Why don't YOU follow Buffett's advice?

I don't think the quote you provided from Buffett above is meant to be advice at all. It's merely a description of what he plans to instruct the trustee of his wife's assets to do. And since his wife will presumably be inheriting billions, it really doesn't matter what the asset allocation is. I don...
by KyleAAA
Wed Dec 10, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 8075

Re: Quick question: S&P 500 or Total Stock

All else being equal, I'll always pick the total stock market fund over the S&P 500 fund. If you can't think of a specific compelling reason why the S&P 500 fund would work better for you in this particular situation, total stock market is probably the slightly wiser default choice.
by KyleAAA
Wed Dec 10, 2014 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick question: S&P 500 or Total Stock
Replies: 18
Views: 1734

Re: I need to accumulate $30k over the next 2 years, how?

Since it's elective surgery (i.e. you won't die if it takes 3 years to get the surgery instead of 2 years) and you're fine with the risk that if things go poorly, you might end up having to wait 3 or 4 years instead, I would be tempted to take a moderate amount of risk and go with something like the...
by KyleAAA
Tue Dec 09, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4034

Re: Have you ever been let go?

Was laid off in late 2008. Fortunately, I had another job at significantly higher pay within a few weeks. In retrospect, I should have taken a lot more time off but it seemed like the sky was falling for a while and I didn't want to take the risk of turning down a job offer.
by KyleAAA
Tue Dec 09, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5474

Re: New HTTPS security bug, Vanguard servers vulnerable

As far as I understand, the only way you can be subject to this attack is through a man in the middle attack, when you're connected to to a wifi hotspot or unsecured router. So never access your Vanguard account from a cafe or hotel or any public wifi (unless you're using a VPN) and make sure your ...
by KyleAAA
Tue Dec 09, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 4156

Re: How long did your IT career last? At what age did it en

Nowhere I've ever worked or hired for has expected new hires to have experience in everything they want. A job description is a wish list, not a requirements list. Furthermore, there is SUCH a shortage of qualified engineers that you could have experience in literally none of the technologies liste...
by KyleAAA
Mon Dec 08, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14621

Re: How long did your IT career last? At what age did it en

This is sad and just goes to show how the so-called shortage of software engineers/IT people is just complete B.S. . What there actually is is a a shortage of young and cheap labor. As a hiring manager, there's definitely a shortage of DECENT engineers of any age. There is no shortage of low-skille...
by KyleAAA
Sat Dec 06, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14621

Re: How long did your IT career last? At what age did it en

It might not be a pain for you or me to learn a new language but employers don't see it that way. They want a new hire to have expert experience in everything they want. The emphasis these days is on tools rather than real world results. Nowhere I've ever worked or hired for has expected new hires ...
by KyleAAA
Fri Dec 05, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14621

Re: Emergency Fund: does it need to be in cash? VSCGX?

That fund lost ~20% in 2008, which is probably when you would have been most at risk of losing your job. Too risky for an emergency fund in my opinion. That said, an EF doesn't have to be cash. What about a short-term bond fund or, if you're extremely aggressive, maybe even an intermediate-term bond...
by KyleAAA
Fri Dec 05, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund: does it need to be in cash? VSCGX?
Replies: 32
Views: 1289

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I think 20% international is reasonable. I think 50% international is reasonable as well. Personally, I'm 50%. Any number between those 2 limits is as likely as any other number to work out alright, IMO.
by KyleAAA
Fri Dec 05, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11418

Re: Advice on old beater car. Best way to get rid?

I've heard Carmax makes surprisingly competitive offers for old beaters.
by KyleAAA
Thu Dec 04, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Advice on old beater car. Best way to get rid?
Replies: 34
Views: 2805

Re: Someone explain why bond funds are "safe?"

Vanguard Total Stock Market Index Fund standard deviation 3 yr 9.4 5 yr 13.57 10 yr 15.25 15 yr 15.82 Vanguard Total Bond Market Index Fund standard deviation 3 yr 2.74 5 yr 2.9 10 yr 3.28 15 yr 3.51 Nope, nowhere near as volatile as stocks. Why do they seem like they would be to you?
by KyleAAA
Thu Dec 04, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Someone explain why bond funds are "safe?"
Replies: 33
Views: 2637

Re: Exercise machine for small apartment?

You can get mats that will reduce the noise of dropping your dumbbells relatively significantly for cheap. But if you set them down gently, it shouldn't make much noise to begin with.
by KyleAAA
Thu Dec 04, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2016

Re: Am I a job hopper?

You aren't even close to a job hopper in my book. I'm at company #4 in 11 years with the longest being about 3.5 years (current) and the shortest a little over 1 year (first job out of school in a bad economy, so I knew going in I wouldn't stay there longer than I had to). I think you're safe if you...
by KyleAAA
Sun Nov 30, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a job hopper?
Replies: 50
Views: 4586

Re: How long did your IT career last? At what age did it en

This is amusing. We have several posters saying that being able to work with old tools on legacy systems (e.g. COBOL, mainframes) is key to a long and prosperous career. Then we have others saying that you are in trouble if you are stuck on tired "old" tools like Java, C# .NET, or RoR. So...
by KyleAAA
Sat Nov 29, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14621

Re: How long did your IT career last? At what age did it en

I don't know much about IT specifically because I don't work in that field, but I do see some software engineers in their 50s. Not many. The main thing I see is that older engineers don't often keep up with newer technologies. You don't know enough software engineers. In my circle of software engin...
by KyleAAA
Thu Nov 27, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14621

Re: How long did your IT career last? At what age did it en

I don't know much about IT specifically because I don't work in that field, but I do see some software engineers in their 50s. Not many. The main thing I see is that older engineers don't often keep up with newer technologies. It's a constant struggle, but if the newest language you know is Java or ...
by KyleAAA
Thu Nov 27, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14621

Re: Vanguard offers login security code

4th: Funny, Vanguard says "When you set up this service, you choose whether you want to receive a security code every time you log on to vanguard.com or our mobile apps or only when we don't recognize the device that you're using." Yet I can use their mobile app without triggering the cod...
by KyleAAA
Tue Nov 25, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 96
Views: 14256

Re: How did you handle the 2008 bear market ?

I just didn't really pay much attention. I had absolutely no idea how big the drop from the peak was until people started quoting it after the fact. It's good to be clueless. It didn't hurt that my nest egg was relatively modest back then, though.
by KyleAAA
Tue Nov 25, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 6244

Re: Vanguard offers login security code

4th: Funny, Vanguard says "When you set up this service, you choose whether you want to receive a security code every time you log on to vanguard.com or our mobile apps or only when we don't recognize the device that you're using." Yet I can use their mobile app without triggering the cod...
by KyleAAA
Mon Nov 24, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 96
Views: 14256

Re: Vanguard offers login security code

Sweet. This is a great start. Another way to do this is automated voice calls; but that's more expensive than sending texts. In the spirit of keeping costs low, I'll gladly accept this text-only implementation from Vanguard. How much more expensive can it be, when no humans are involved? And yet fi...
by KyleAAA
Sun Nov 23, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 96
Views: 14256

Re: 18 and Need Help Starting

Oh it's definitely possible and some people manage to do it, but it requires earning a solidly above-average income and cutting back expenses to the bare minimum. If you could average $80k per year in income and somehow manage to live on $12-15k, save the rest, and luck into 10% returns over that ti...
by KyleAAA
Tue Nov 18, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: 18 and Need Help Starting [Classroom research assignment]
Replies: 67
Views: 4844

Re: what about adding $ to poorly performing asset classes?

I've never seen evidence that rebalancing on a daily or monthly basis holds any advantage over rebalancing at longer time intervals. I have seen SOME evidence to suggest it might be better to rebalance at, say, 1 or 2 or 3 year intervals because of the momentum factor.
by KyleAAA
Sun Nov 16, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: what about adding $ to poorly performing asset classes?
Replies: 23
Views: 2630

Re: "Downgrading" to a Porsche

I'd probably go with a new Mazda 3 over a Porsche that old. Those things are a blast to drive and it would be much, much nicer and more comfortable. Of course, it won't drive like the Porsche, but it will still drive great for a FWD car. But if you love the Porsche, buy it. Won't make much of a diff...
by KyleAAA
Sat Nov 15, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: "Downgrading" to a Porsche
Replies: 39
Views: 6556

Re: Fidelity 2-Factor authentication fail...

Yeah, that's how it's supposed to work. If you lose/change the physical device, they have to be able to tie it to a new device somehow. The Fidelity rep should have verified your identity using information other than just your username/password, though. Did they not at least ask for the last 4 digit...
by KyleAAA
Fri Nov 14, 2014 11:58 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1143

Re: Dealing with pressure for "social donations" at work

I probably wouldn't do it but yeah, you'll probably look like a jerk if you don't.
by KyleAAA
Fri Nov 14, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 10832

Re: Pick a bond fund for me

I think the short term bond index is a no-brainer if you don't want any TIPS.
by KyleAAA
Fri Nov 14, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Pick a bond fund for me
Replies: 14
Views: 1186

Re: Is buying organic worth it financially in the long term?

I'm not sure if it's financially worth it in that it will lead to lower medical expenses over time, but then, that's not why I eat it to begin with. If it's healthier, isn't that worth paying extra for? I'm not sure if it's financially worth buying actively managed funds. But if they're better, isn...
by KyleAAA
Thu Nov 13, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 7420

Re: Is buying organic worth it financially in the long term?

I'm not sure if it's financially worth it in that it will lead to lower medical expenses over time, but then, that's not why I eat it to begin with. If it's healthier, isn't that worth paying extra for?
by KyleAAA
Thu Nov 13, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 7420

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

I compromise in that I own the short-term bond index, so my risk is extremely low even with corporates in the mix. If I get a 0.1% yield boost from owning non-treasuries, so much the better. My risk isn't too far above zero in either case, so I'm satisfied with the choice.
by KyleAAA
Thu Nov 13, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 3935

Re: Vanguard web site changes

Hopefully the text-message thing is just a first step towards a more complete two-factor implementation. I already use Google Authenticator to log onto many different types of accounts at many different companies. Hopefully I'll be able to use it at Vanguard soon, as well.
by KyleAAA
Thu Nov 13, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7290

Re: Retiring Parents Set in Risky Ways

I think your parents' position is absolutely insane. No stock should make up 80% of a retiree's portfolio no matter how stable it seems. And even if it IS the most secure company in the universe, what's better: a portfolio of 1 secure company or a portfolio of hundreds of secure companies? The 15% L...
by KyleAAA
Tue Nov 11, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 5037

Re: Puerto Rico

We also weren't able to visit El Yunque rainforest as a big storm came through that week and the main road into the park was destroyed in a land slide. I was there the week after the storm and they had only re-opened a short portion of the main road. SOOO disappointing but at least there were 2 sho...
by KyleAAA
Tue Nov 11, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 16
Views: 1790

Re: Puerto Rico

I was there in the spring and got a car from Enterprise in San Juan for ~$20 per day, so that sounds about right. Old San Juan is definitely worth a visit for the history and food, but you might prefer limiting your time there to 2 or 3 days as it's not all that large. Outside of that, rent a car an...
by KyleAAA
Mon Nov 10, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 16
Views: 1790
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