Search found 5378 matches

Return to advanced search

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 Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 50
Views: 3526

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: 4388

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: 2469

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: 6139

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: 1103

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: 163
Views: 7906

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: 1046

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: 5461

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: 5461

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: 3588

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: 6672

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: 3925

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: 1490

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: 1490

Re: Vanguard web issues - Anyone else?

This is pretty standard. I wouldn't spend any time worrying about whether or not a front-line non-technical customer service rep can tell you what the technical problem is. If it's a known issue and they are working on it, that's all that matters. These things happen pretty much constantly at any pl...
by KyleAAA
Mon Nov 10, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard web issues - Anyone else?
Replies: 20
Views: 1689

Re: Is "comfortable confidence" in secure retirement possibl

Going for a 0% failure rate is overkill, mostly because a 0% failure rate estimate that far out isn't actually 0%. You can never get to 0%. In this situation, the difference between a 5% failure rate and a 0% failure rate is meaningless. You aren't just being overly conservative with these estimates...
by KyleAAA
Mon Nov 10, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Is "comfortable confidence" in secure retirement possible?
Replies: 23
Views: 3157

Re: The Sky is Falling

This doesn't feel anything like 1999 or 2007 to me. High school students were using their birthday money to day trade stocks in computer class in 1999. I don't think we're quite there yet.
by KyleAAA
Fri Nov 07, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: The Sky is Falling
Replies: 36
Views: 4920

Re: 22, I want to be rich, looking for a high reward fund

You won't get rich from investing and having a low value of human capital. The ones that said you need to find a high income career (or business owner) are right. You are wrong about that, it's all about savings rate. I don't know if links are allowed here but: http://finance.yahoo.com/news/27-year...
by KyleAAA
Thu Nov 06, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6142

Re: What To Do With $85K Inheritance?

How's your cash flow? If at all marginal I'd pay off the highest-rate unsecured loan you have (student/auto loans probably). If you're comfortable with your cash flow and reserve level, I'd just invest it in your portfolio like everything else. There's really not enough information for us to give yo...
by KyleAAA
Thu Nov 06, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: What To Do With $85K Inheritance?
Replies: 46
Views: 2804

Re: Rate of Return

Safe? I don't know. I think 2% real would be safe, but it may not be. I use 3% real in my own long-term planning but I'm really hoping for more like 5+% real.
by KyleAAA
Wed Nov 05, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rate of Return
Replies: 5
Views: 509

Re: Making 8 "horrible" investments will beat the index, rig

I would say buying a Greek index fund at the moment is exponentially scarier than owning the world in 2008! I didn't worry even slightly about being 90% equities back then but I'd think twice before putting more than the market weight in Greece right now.
by KyleAAA
Mon Nov 03, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Making 8 "horrible" investments will beat the index, right?
Replies: 35
Views: 3780

Re: Is Vanguard a good place to invest?

Every company will make mistakes from time to time, but there is no company out there with a better reputation for caring about their investors than Vanguard. Their customer service organization itself seems to be average at best and the website is mediocre, but the product is widely touted by exper...
by KyleAAA
Sun Nov 02, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5007

Re: Is $700,000 enough to retire? Opinions please .

I think most of the responses aren't considering some key details. A $700,000 portfolio doesn't need to support $80k in spending indefinitely. It doesn't even need to support $80k - $24k - $10k = $46k. If he takes $24k in SS now and she defers until age 70, they will initially be withdrawing about 6...
by KyleAAA
Fri Oct 31, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12471

Re: A Little Common Core Math problem

I don't think I knew algebra in 4th grade so I'm not sure how I would have solved it back then. I don't think I would have written an equation, though. Come to think of it, I don't know if I would have been able to solve it at all back then.
by KyleAAA
Thu Oct 30, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2689

Re: A Challenge for Bogleheads - the market has changed

The market has had 15 year periods where it went nowhere plenty of times in the past. Nothing has changed.
by KyleAAA
Wed Oct 29, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 53
Views: 6757

Re: Tilted to SV by mistake, should I TLH out of it?

Is most of your portfolio in a 401k/IRA or other tax-advantaged account? If so, you sound like a perfect candidate for one of the Lifestrategy funds. The expenses are slightly higher but at least you wouldn't be exposed to the movements of the individual parts of your portfolio. You'd only see the r...
by KyleAAA
Tue Oct 28, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Tilted to SV by mistake, should I TLH out of it?
Replies: 37
Views: 1706

Re: Mr. Market turns on Amazon

Amazon's margins are actually quite good, but earnings tend to be very low because they reinvest an insane amount back into the business (hence sales growing rapidly). One of these days the market is betting Amazon will stop reinvesting so heavily and will reap massive profits. Knowing Bezos' perso...
by KyleAAA
Mon Oct 27, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4483

Re: Mr. Market turns on Amazon

Amazon's margins are actually quite good, but earnings tend to be very low because they reinvest an insane amount back into the business (hence sales growing rapidly). One of these days the market is betting Amazon will stop reinvesting so heavily and will reap massive profits. Knowing Bezos' person...
by KyleAAA
Mon Oct 27, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4483

Re: Active bond funds better than indexes? Pimco thinks so

What does the data say? I'm not at all interested in logical arguments about why active investing does or doesn't work in certain situations. That's a meaningless debate.
by KyleAAA
Fri Oct 24, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Active bond funds better than indexes? Pimco thinks so
Replies: 36
Views: 2535

Re: Investment Blogger - Do I need to be a registered advise

Suppose you blog and are not a registered advisor. What are some things to be aware of to stay out of trouble? For example, if you make a bullish call on stock XYZ, does that mean you should not sell stock XYZ soon after? Are you required to disclose your holdings in XYZ in the post making the bull...
by KyleAAA
Wed Oct 22, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Investment Blogger - Do I need to be a registered adviser?
Replies: 6
Views: 665

Re: Investment Blogger - Do I need to be a registered advise

Nope. There are thousands of investment bloggers out there and being an RIA is actually a hindrance in most cases (everything has to go through compliance and apparently it's a huge pain and certain topics are entirely off-limits).
by KyleAAA
Wed Oct 22, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Investment Blogger - Do I need to be a registered adviser?
Replies: 6
Views: 665

Re: You may be getting charged rent for a router/modem you o

Same thing happened to me with comcast.
by KyleAAA
Tue Oct 21, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3955

Re: "I've had it" at work - how often

never - 32, 3 years at current employer, 12+ in industry overall, major .com/software development industry

At a previous job, it was perhaps 3 or 4 times per year. The employer makes all the difference.
by KyleAAA
Sat Oct 18, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12634

Re: Are Vanguard's target-retirement funds too aggressive?

I think they're just about right. Just a TAD more aggressive than the 120-age in stocks rule-of-thumb would suggest on some parts of the glide path, but mostly right-on.
by KyleAAA
Fri Oct 17, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1768

Re: New car and how to handle my father's trade in

Carmax is perfect for selling an old vehicle like that. You'll be in and out in less than an hour and it's unlikely the dealer will be able to beat Carmax on a car that old, anyway.
by KyleAAA
Mon Oct 06, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: New car and how to handle my father's trade in
Replies: 25
Views: 1820

Re: How to get a product in a national retail chain

Why would the cheapness make the product poor for online sales? If it has value, people will pay the shipping. Being easy to copy is bad no matter where you sell it. You could probably get higher margins online. Instead of trying to hit singles in the minor leagues and spending years trying to work...
by KyleAAA
Sat Oct 04, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get a product in a national retail chain
Replies: 9
Views: 837

Re: What about this 50/50 allocation?

50/50 with a moderate value tilt sounds like a great retirement portfolio. I would personally be nervous JUST owning Wellesley so I think your move is a smart one.
by KyleAAA
Sat Oct 04, 2014 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What about this 50/50 allocation?
Replies: 5
Views: 535

Re: Voluntarily Declining Pay Raise

I'd take the raise and then find another job, using your now-higher pay as a bargaining chip. The problem here doesn't appear to be Don at all but rather a systemic issue causing women to be paid less than their male counterparts (allegedly).
by KyleAAA
Sat Oct 04, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voluntarily Declining Pay Raise
Replies: 43
Views: 4269

Re: Buffett Has 100% Equities in his Pensions Funds

Yet another investor (much smarter than the usual investor) who says it's ok to be 100% stocks. Who'd've thunk it? Not everyone has the risk tolerance of Warren. Who'd've thunk it? Right, which is why it's not right for some people but perfectly fine for others. Yet some on these boards will argue ...
by KyleAAA
Sat Oct 04, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett Has 100% Equities in his Pensions Funds
Replies: 39
Views: 2789

Re: How to get a product in a national retail chain

Why would the cheapness make the product poor for online sales? If it has value, people will pay the shipping. Being easy to copy is bad no matter where you sell it. You could probably get higher margins online.
by KyleAAA
Sat Oct 04, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get a product in a national retail chain
Replies: 9
Views: 837

Re: Is there an "upper limit" on Boglehead theory?

Estate and tax issues may suggest some additional considerations. I think the "risk" is more that those clients would feel that they need more "sophisticated" investments and advice e.g. hedge funds, timber investments etc. They may also face peer pressure with similar high weal...
by KyleAAA
Fri Oct 03, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Is there an "upper limit" on Boglehead theory?
Replies: 58
Views: 4493

Re: Is there an "upper limit" on Boglehead theory?

Plenty of institutions with billions under management invest primarily in index funds. So no, I don't think there's an upper limit.
by KyleAAA
Thu Oct 02, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Is there an "upper limit" on Boglehead theory?
Replies: 58
Views: 4493

Re: Vanguard website almost nonresponsive?

Not unusual at all. All websites have performance problems occasionally.
by KyleAAA
Wed Oct 01, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard website almost nonresponsive?
Replies: 11
Views: 589

Re: Where to start work as an engineering major?

Your friends sound like they're only 23 or 24 years old, is that correct? If so, they really don't have any idea what they're talking about. I wouldn't really listen to them too much at this point. Go give the engineering thing a try or at the very least talk with somebody who's been in the field fo...
by KyleAAA
Wed Oct 01, 2014 7:44 am
 
Forum: Personal Consumer Issues
Topic: Where to start work as an engineering major?
Replies: 32
Views: 2939

Re: Will Investment Returns Ever Revert to "Normal"?

However it was not. GDPPC (PPP) - US - UK - France 1820 - 1,257 - 1,706 - 1,135 1850 - 1,806 - 2,330 - 1,597 1900 - 4,015 - 4,492 - 2,876 Well, the UK and France would definitely have been considered emerging economies at the time, so why not the US? The start of the industrial revolution is almost...
by KyleAAA
Mon Sep 29, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4620

Re: Will Investment Returns Ever Revert to "Normal"?

However it was not. GDPPC (PPP) - US - UK - France 1820 - 1,257 - 1,706 - 1,135 1850 - 1,806 - 2,330 - 1,597 1900 - 4,015 - 4,492 - 2,876 Well, the UK and France would definitely have been considered emerging economies at the time, so why not the US? The start of the industrial revolution is almost...
by KyleAAA
Sun Sep 28, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4620

Re: Will Investment Returns Ever Revert to "Normal"?

However it was not. GDPPC (PPP) - US - UK - France 1820 - 1,257 - 1,706 - 1,135 1850 - 1,806 - 2,330 - 1,597 1900 - 4,015 - 4,492 - 2,876 Well, the UK and France would definitely have been considered emerging economies at the time, so why not the US? The start of the industrial revolution is almost...
by KyleAAA
Sun Sep 28, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4620

Re: Will Investment Returns Ever Revert to "Normal"?

I fully expect future investment returns to be normal, it's just that the last 100 years in the US was not normal. I would expect the next 100 years to look more like the last 100 in Great Britain Well I would be pretty happy with 5.2% real but I think correlating the US to the UK is crap shoot at ...
by KyleAAA
Sat Sep 27, 2014 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4620

Re: Will Investment Returns Ever Revert to "Normal"?

I fully expect future investment returns to be normal, it's just that the last 100 years in the US was not normal. I would expect the next 100 years to look more like the last 100 in Great Britain
by KyleAAA
Sat Sep 27, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4620

Re: "Shellshock" vulnerability for Linux based systems

If you aren't running any internet-facing applications on your device (i.e. apache or something similar) you aren't vulnerable. And if you ARE running internet-facing applications on your device that don't respond to pings (which includes the vast majority), you're technically vulnerable but nobody ...
by KyleAAA
Sat Sep 27, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: "Shellshock" vulnerability for Linux based systems
Replies: 61
Views: 3260
Next

Return to advanced search