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Re: Portfolio manager that accounts for exchange rates

I may not understand your question, but most mutual funds/brokerage accounts, etc already do this. If I invest money in a European stock fund, for instance, the value will be reported to me in USD inclusive of any currency fluctuations that may have occurred. If you want to see the value in Euros, i...
by KyleAAA
Sat Jan 31, 2015 9:28 am
 
Forum: Investing - Theory, News & General
Topic: Portfolio manager that accounts for exchange rates
Replies: 2
Views: 136

Re: Mac reliability?

While most PC laptops are useless after 2 years. Macs still keep plugging along. Well Mac laptops ARE PCs, so I think what you mean is "Windows PCs." This claim has absolutely no basis in reality. I've never had a Windows PC that's lasted less than 5 years and I have 2 still running that ...
by KyleAAA
Fri Jan 30, 2015 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 69
Views: 2521

Re: Mac reliability?

It's pretty comparable to a well-maintained Windows box.
by KyleAAA
Fri Jan 30, 2015 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 69
Views: 2521

Re: cvt transmissions

The Nissan CVTs feel a bit weird still to those used to a conventional automatic. I haven't really noticed anything unusual with other brands. Then again, I hate all automatics.
by KyleAAA
Wed Jan 28, 2015 10:28 pm
 
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 2546

Re: Android or iPhone? Which do you like, and why?

When using Android, all of your data goes through Google's servers which analyzes them and sells ads and other things based off of it. Also, I believe Google initially infringed Apple's IP before (not necessarily now). For those reasons and others, I'm never using Android. When using Apple, all of ...
by KyleAAA
Mon Jan 26, 2015 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1835

Re: Android or iPhone? Which do you like, and why?

I've used both extensively (android daily, iphone weekly). The iPhone is a bit "sleeker" but there were just too many "wtf were they thinking?" design decisions made by Apple for me to be able to put up with using one day-to-day. Android is simpler and easier to use for me. Plus,...
by KyleAAA
Sun Jan 25, 2015 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1835

Re: Explain me some tax law!

K 1 does imply ownership, and the way I understood it was that you only pay taxes on your "taxable income" as opposed to your actual income received from the dividends. Assuming minimal ownership, the taxes will be minimal given that the company shows marginal profit. One's taxable income...
by KyleAAA
Sun Jan 25, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Explain me some tax law!
Replies: 16
Views: 2166

Re: Auto-rebalancing tool at Vanguard

It is not free. There is no such thing as a free transaction. Sorry, just fact. If the turnover increases without an increase in fund assets, costs go up. That is separate from the question of whether the increased costs would be worth it. For some on this thread it would clearly be worth it. For o...
by KyleAAA
Sat Jan 24, 2015 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: [Lack of] Auto-rebalancing tool at Vanguard
Replies: 68
Views: 12660

Re: Auto-rebalancing tool at Vanguard

You do realize that all of these transactions do cost something. Not much, but something. Charging nothing is in part marketing- people hate paying even very small purchase fees. It is also in part a recognition that charging a very small fee might cost more in record keeping than charging nothing....
by KyleAAA
Fri Jan 23, 2015 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Lack of] Auto-rebalancing tool at Vanguard
Replies: 68
Views: 12660

Re: Auto-rebalancing tool at Vanguard

You do realize that all of these transactions do cost something. Not much, but something. Charging nothing is in part marketing- people hate paying even very small purchase fees. It is also in part a recognition that charging a very small fee might cost more in record keeping than charging nothing....
by KyleAAA
Thu Jan 22, 2015 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Lack of] Auto-rebalancing tool at Vanguard
Replies: 68
Views: 12660

Re: How does an Efficient Market explain Buffett?

The existence of Buffett-like investors are fully expected and predicted by the efficient market hypothesis. No explanation is necessary.
by KyleAAA
Thu Jan 22, 2015 10:29 am
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 12774

Re: Dave Ramsey's bad advice at an all time high!

Regarding DR, yes, his investment advise and support for "ELP's" is bad as we see it. However, for the other 99% of Americans who have no idea about bogleheads, DR is most likely going to be better than a random EJ "advisor." Which, of course, is not justification for not taking...
by KyleAAA
Sun Jan 18, 2015 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6375

Re: Dave Ramsey's bad advice at an all time high!

Yep, he hasn't gotten any better on that front.
by KyleAAA
Sat Jan 17, 2015 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6375

Re: Where do you tilt your Total Int'l Fund?

I tilt international as follows: 37.5% Total International Index 37.5% FTSE All-World Ex US Small Cap Index 25% Emerging Market Index Overall asset allocation is 40% domestic equities (50/50 split between total stock market and small-cap value), 40% international equities, 10% REITS, and 10% short-t...
by KyleAAA
Sun Jan 11, 2015 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Where do you tilt your Total Int'l Fund?
Replies: 40
Views: 3229

Re: Target Date Fund vs. 3 Fund Portfolio

The only advantages of the three fund portfolio in your case is that it will be slightly cheaper (but not much) when you get to the admiral share level and will allow you to fine-tune your exposure to the various asset classes. Fine-tuning is something best left to advanced investors, so if you have...
by KyleAAA
Sun Jan 11, 2015 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 42
Views: 3889

Re: Wait, contributions to an IRA are tax deductible?

INTRESIS wrote:Blast. What about charitable contributions? Do I get that back in the form of a refund check?


No. You can deduct it from your taxable income but you won't get it all back in the form of a tax refund. I suggest you check out the IRS documentation.
by KyleAAA
Sat Jan 10, 2015 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait, contributions to an IRA are tax deductible?
Replies: 19
Views: 1986

Re: Vanguard announces new Tax-Exempt Index Fund

For those interested:

weighted avg maturity: 13.82 years
modified duration: 4.66 years

Returns data in the link below.

source: http://us.spindices.com/indices/fixed-i ... bond-index
by KyleAAA
Tue Jan 06, 2015 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 58
Views: 5049

Re: give me a reason [to add TIPS]

Inflation. Non-correlated. Diversifier. Cool-sounding name.
by KyleAAA
Tue Jan 06, 2015 7:56 am
 
Forum: Investing - Help with Personal Investments
Topic: give me a reason [to add TIPS]
Replies: 22
Views: 2578

Re: Google takes invasiveness to a new level

This sounds legit. Google Wallet is a payment provider and the EU has some pretty strict regulation about payment providers. I'd just stick to Skype if it's a big deal to you. Skype isn't a payment provider so they don't have to adhere to the same rules. So if you use Google voice, why would you ko...
by KyleAAA
Sun Jan 04, 2015 6:11 pm
 
Forum: Personal Consumer Issues
Topic: [ID verification required to use Google Wallet]
Replies: 41
Views: 3340

Re: Google takes invasiveness to a new level

This sounds legit. Google Wallet is a payment provider and the EU has some pretty strict regulation about payment providers. I'd just stick to Skype if it's a big deal to you. Skype isn't a payment provider so they don't have to adhere to the same rules.
by KyleAAA
Sun Jan 04, 2015 5:52 pm
 
Forum: Personal Consumer Issues
Topic: [ID verification required to use Google Wallet]
Replies: 41
Views: 3340

Re: Help Design Income Producing Portfolio 31-YO Retiree

Thanks for this recommendation. I've edited my original post to note that my income needs of $200,000 are indeed after-tax, not that it changes too much here. As far as the LifeStrategy Moderate Growth Fund, would you envision managing delivered income in the form of taking home whatever amount of ...
by KyleAAA
Sun Jan 04, 2015 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Design Income Producing Portfolio 31-YO Retiree
Replies: 25
Views: 2397

Re: Help Design Income Producing Portfolio 31-YO Retiree

Is that $200,000 before or after tax? If it's before tax, this is insanely simple. That works out to slightly less than a 2% withdrawal rate (which is conservative, but that's fine since it needs to last you a long time). The Vanguard Lifestrategy Moderate Growth fund yields just over 2%, so you cou...
by KyleAAA
Sun Jan 04, 2015 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Design Income Producing Portfolio 31-YO Retiree
Replies: 25
Views: 2397

Re: How to value travel with a job offer

I don't believe I've ever encountered an expense I couldn't calculate or be reimbursed for. But I don't have kids or a pet and my employer already compensates for travel to/from the airport. I usually make money on company travel since I get to use my cash-back rewards card, especially when airfare/...
by KyleAAA
Fri Jan 02, 2015 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to value travel with a job offer
Replies: 26
Views: 1571

Re: Facebook is Outrageous

What I don't understand is that the network that you create inside of the tool is meant to maintain some degree of privacy. You allow people to become your friends. One can argue that as long as all of my sisters' friends are "cool" (nobody is going to rat her out for being shown in a pic...
by KyleAAA
Thu Jan 01, 2015 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 9874

Re: Facebook is Outrageous

IMO any company with 1.3 BILLION+ active users is entitled to it's own special valuation metric. That said, I wouldn't buy it. Facebook's definition of "active user" probably isn't what you think. If you've ever visited Facebook before, or any site that uses any Facebook widgets (e.g., th...
by KyleAAA
Mon Dec 29, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 9874

Re: Index fund investing - now or wait

Now is always a good time to invest. Always.
by KyleAAA
Sun Dec 28, 2014 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: Index fund investing - now or wait
Replies: 7
Views: 1366

Re: Smartest home purchase financing

We don't have nearly enough information to give reasonable advice, but for most people most of the time, it makes the most sense to take out a 30 year mortgage.
by KyleAAA
Sun Dec 28, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smartest home purchase financing
Replies: 3
Views: 723

Re: What is considered to be a good 401k match?

3% seems about average. 3 of the 4 professional jobs I've had didn't have a match at all.
by KyleAAA
Sun Dec 28, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is considered to be a good 401k match?
Replies: 74
Views: 4404

Re: new tablet/smart phone question

In my experience, most people who insist on wanting a physical keyboard change their mind once they get used to using the on-screen keyboard. Simply put, none of the good smart phones have a physical keyboard, so you're going to have to make EXTREME compromises to get one. You're probably better off...
by KyleAAA
Sun Dec 28, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: new tablet/smart phone question
Replies: 23
Views: 2383

Re: Am I on the right track to being financially wealthy?

Pay off the 6.8% loans asap and then max out a Roth IRA. After that, start saving up for a down payment on a house (if you decide you want to be a homeowner). I wouldn't be in a rush to pay off any of the other loans early, as they all have low rates. I would also strongly recommend diversifying a l...
by KyleAAA
Sun Dec 28, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track to being financially wealthy?
Replies: 51
Views: 9819

Re: Do you usually order beverage at restaurants?

If I do order a beverage, it will be beer/wine at dinner. I hardly ever order a soft drink or anything like that. If I go out for breakfast I'll usually order coffee/tea.

To answer your question, probably half the time. Almost never order dessert unless it's a special occasion.
by KyleAAA
Sun Dec 28, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7638

Re: Bonus how much do you spend vs save?

I hear Bora Bora is nice this time of year.

I spend most of my bonus on vacations after the usual 401k contribution, but that's because I save such a high percentage of my regular paycheck (and my bonus is only 10-15% of my base).
by KyleAAA
Sun Dec 28, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Bonus how much do you spend vs save?
Replies: 50
Views: 4906

Re: Facebook is Outrageous

Meh, Facebook has a better product than Nike or UPS do. Time will tell how accurate Mr Market turns out to be. The valuation doesn't seem all that outrageous to me if you look at their business.
by KyleAAA
Sun Dec 28, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 9874

Re: Investing with Vanguard - when do expense ratios drop?

Well, you could own the ETF versions of the underlying investments in the same proportions and lower your total ER a bit that way. But in reality, 0.18% is already exceptionally low. It just isn't worth the 10 minutes required to do it on an $1800 portfolio, to be honest. You're looking at like $2 p...
by KyleAAA
Sat Dec 27, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing with Vanguard - when do expense ratios drop?
Replies: 3
Views: 1002

Re: Buying Mazda CX-5 - to wait or not to wait?

2013 was the first year of the (very extensive) redesign for the CX-5, if I'm not mistaken. That alone would make me hesitant to buy a used one. Domestic cars have MUCH more markup than imports, on average, and Mazda in particular (holdback is only 1% of base MSRP for all Mazda models) and Mazda doe...
by KyleAAA
Fri Dec 26, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Buying Mazda CX-5 - to wait or not to wait?
Replies: 16
Views: 2062

Re: Index vs Hedge: Mr Bogle Low fee but Highly Risky manage

I do not believe the data supports the assertion that drawdown during bear markets is worse for index funds. Could you post the dataset you're using?
by KyleAAA
Mon Dec 22, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Index vs Hedge: Mr Bogle Low fee but Highly Risky manager ?
Replies: 19
Views: 1648

Re: Do you have or recommend a Financial Only PC?

Some people here do that (I don't). A simpler solution would just be to use a bootable Linux CD or a VM instead of having to purchase a separate physical machine.
by KyleAAA
Mon Dec 22, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7328

Re: business income - tax sheltering options

Yes, sole proprietors can contribute to a SEP IRA.
by KyleAAA
Sun Dec 21, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: business income - tax sheltering options
Replies: 6
Views: 516

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: 3915

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: 52
Views: 5259

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: 6337

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: 6337

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: 237
Views: 20055

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: 4548

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: 4726

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: 2646

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: 4726

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: 1209

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: 4172
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