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Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

@KyleAAA, to understand, what is your metric of performance? The mpg increase from non-hybrid to hybrid is similar between Accord and Avalon. Accord: 27/36 to 50/45 (city/hwy). For a 50-50 split, the jump is 31.5 to 47 (+15.5) Avalon: 21/31 to 40/39 (city/hwy). For a 50-50 split, the jump is 26 to ...
by KyleAAA
Sat Aug 23, 2014 2:50 am
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 19
Views: 971

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

In this case, the 2014 Accord hybrid is actually superior to the non-hybrid performance wise. So you aren't paying a hybrid premium, you're paying a performance premium. The non-hybrid just can't compete and I think we'll see more and more of that over the next few years.
by KyleAAA
Fri Aug 22, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 19
Views: 971

Re: Do you tip on the tax?

I object to the traditional "tipping" system / labor scam / extortion and do not usually leave any tip. If my wife is with me, she leaves whatever she pleases as a tip and she is generally a pretty soft touch. Do you tell your server this before you are served or after? IMO if you don't t...
by KyleAAA
Fri Aug 22, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 113
Views: 3260

Re: Do you tip on the tax?

Why tip differently? I tip on quality of service and the number of people, not the cost of the food. Tipping is a custom and doesn't have to make sense. Their wages by the employer are set based on them earning a percentage of the cost and the IRS taxes them that way, too. Doesn't matter how much w...
by KyleAAA
Fri Aug 22, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 113
Views: 3260

Re: Do the mega wealthy need life insurance?

Using life insurance proceeds to pay estate tax must be pretty common because it comes up all the time. Of course, one would need to plan ahead and buy the insurance in their 40s or perhaps 50s for it to work. Wait until 70 and it will probably be too expensive to be worth it.
by KyleAAA
Wed Aug 20, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Do the mega wealthy need life insurance?
Replies: 32
Views: 2508

Re: US REITs already have international exposure

You can make that argument, but I don't think it's a very convincing argument because while they may do business in foreign countries, that doesn't mean it shares the same geopolitical risk/reward profile as a REIT BASED in a foreign country. China is a prime example of a nation where a foreign comp...
by KyleAAA
Tue Aug 19, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: US REITs already have international exposure
Replies: 14
Views: 1207

Re: Portfolio Review - Recent Grad and BogleHead

I am certain I can do it and will do it when that situation arises. I have not experienced an economic downturn but I know myself and I know that I can stick to my plan. I am extremely calculated in my decisions and do not let emotions drive me. I understand your hesitance as you don't know me and ...
by KyleAAA
Tue Aug 19, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 27
Views: 2786

Re: Portfolio Review - Recent Grad and BogleHead

My risk tolerance is very high and I have the discipline to ride through any storm. Would you recommend age-10? Less? More? I do age - 20 in bonds, personally. I didn't have any trouble staying the course in 2008 but I know many who did. It's up to you, just don't lie to yourself about your risk to...
by KyleAAA
Tue Aug 19, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 27
Views: 2786

Re: Mac Airbook

The Air is nice but I actually prefer the Pro. The Air is TOO small for my tastes. Quality materials and seems solidly made. BEAUTIFUL screen. Crashes occasionally but really no more often than a Windows PC would. The main problem I've had on my Macs is that they seem trained to only play nicely wit...
by KyleAAA
Thu Aug 14, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3129

Re: Strategic Default

I think it makes sense whenever you get to the point where you can better deploy your capital after accounting for the hit to your credit, whether it's a recourse/non-recourse loan, etc. In other words, when it's a slam dunk. I probably wouldn't risk it if it would take, say, 15 years to reasonably ...
by KyleAAA
Thu Aug 14, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3034

Re: Portfolio Review - Recent Grad and BogleHead

The advice you're getting above is excellent. If I were you, I'd stop paying down the student loans and invest all that extra cash instead. Contribute to your 401 up to the employer match (probably traditional and not Roth), max out a Roth IRA, and then pump more into the 401k. Your student loan rat...
by KyleAAA
Tue Aug 12, 2014 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 27
Views: 2786

Re: Two factor identification and your password safe

Yes, you absolutely need 2 factor authentication. For starters, 2FA protects you in cases where your password has already been compromised somehow. The problem with a unique 2nd factor each time (I believe Google sends this to a phone) is I don't have a phone that can receive a text but I think the...
by KyleAAA
Mon Aug 11, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2000

Re: Two factor identification and your password safe

Yes, you absolutely need 2 factor authentication. For starters, 2FA protects you in cases where your password has already been compromised somehow. The problem with a unique 2nd factor each time (I believe Google sends this to a phone) is I don't have a phone that can receive a text but I think they...
by KyleAAA
Sun Aug 10, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2000

Re: More on Computer Security

Using bot nets and hacked brokerage accounts in pump and dump schemes used to be not uncommon as recently as 2010/2011. Don't know how prevalent it is these days. I think probably more sophisticated techniques are being used now. There are much easier and less risky ways for a hacker to make money o...
by KyleAAA
Sun Aug 10, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1614

Re: Dave Ramsey still defending 12% and still angry at "nerd

Ivygirl wrote:Yeah, the 12% is exaggerated... but by then, you know that.


Go look at the Dave Ramsey investing forums. Almost none of them know that. There are almost daily posts for help finding "12% funds" and people showing them how to find them.
by KyleAAA
Sat Aug 09, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22347

Re: Tell Vanguard they need 2 factor authentication

I disagree with your assessment. The amount of money that it takes to create, implement, maintain a new security system is massive. And when you throw in the costs of servicing it when MANY clients will inevitably have trouble with it, there's NO WAY it saves on costs. When you say "massive,&q...
by KyleAAA
Sat Aug 09, 2014 12:38 am
 
Forum: Personal Consumer Issues
Topic: Tell Vanguard they need 2 factor authentication
Replies: 52
Views: 2328

Re: Public not saving for retirement

In most cases, I'm pretty sure lack of financial knowledge isn't the problem. Even the vast majority of people who invest poorly end up doing okay in the end. The real problem is that so many people just don't have any money left over to save. The financial literacy movement has been, I think, mostl...
by KyleAAA
Fri Aug 08, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Public not saving for retirement
Replies: 24
Views: 3530

Re: Vanguard computer security

Having a "cookie" is SECURITY? Yes, because spoofing a cookie is quite a bit more difficult than just guessing a password. It is certainly significantly more security than just a password-based system alone. Interesting, then, that just about every website one visits inserts a cookie, or ...
by KyleAAA
Thu Aug 07, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3600

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

jackpullo997 wrote:Not true. This only applies to time dependent events that are mass timed (like the January effect, which then becomes the December effect since everyone buys in Dec)


No it doesn't.

jackpullo997 wrote:However, for a MA timing model, this logic does not hold.


Yes it does.
by KyleAAA
Thu Aug 07, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4355

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

Backtesting is never proof of anything. That's just data mining. If you truly believe this constitutes "proof positive," I suggest going back to school.
by KyleAAA
Thu Aug 07, 2014 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4355

Re: Affording a 1.3 million home?

You're borderline. You could probably afford it if you didn't feel the need to take nice vacations or drive fancy cars or anything like that. Your house is going to soak up all your disposable income for a good 10 years or so. But you COULD afford it, probably.
by KyleAAA
Thu Aug 07, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 10981

Re: Vanguard's Facebook presence

ab80 wrote:Liking VG on facebook might get me some links to a few interesting articles.


I got a free t-shirt by liking them a few years ago! Turned out to be a pretty decent shirt although it's become strictly a workout shirt at this point.
by KyleAAA
Thu Aug 07, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2374

Re: Dave Ramsey still defending 12% and still angry at "nerd

Yeah, a media frenzy that causes people to save cash and invest it while getting out of debt, absolutely cultist, can you imagine? But I doubt you are realizing how many of these people that get into his stuff actually end up reading things and wind up at Vanguard! I personally had been index inves...
by KyleAAA
Wed Aug 06, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22347

Re: Your opinion of mint.com

I've used it in the past but didn't really find it useful. I think it's secure enough in that I think even if there is a breach (which I deem unlikely), there won't really be any negative consequences. A thief can't really do anything to my account without me approving it anyway. Using read-only acc...
by KyleAAA
Wed Aug 06, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 38
Views: 2930

Re: I Strayed From The Path...Forgive Me.

Say 9 Hail Marys and you will find peace, my child.
by KyleAAA
Tue Aug 05, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Strayed From The Path...Forgive Me.
Replies: 26
Views: 3529

Re: REITS-worth the time to add 10% into portfolio

Not sure about this argument. There is a lot of private enterprise not available in the stock market. How do you account for all the small businesses out there, the plumbers, landscapers, restaurants, barbers, pet stores? Rick Ferri wrote about this a few years ago. His solution is basically small/...
by KyleAAA
Tue Aug 05, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: REITS-worth the time to add 10% into portfolio
Replies: 33
Views: 2636

Re: average American eats out 203 times per year

Probably over. I am not a good cook nor do I enjoy cooking.
by KyleAAA
Tue Aug 05, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6382

Re: Vanguard's Facebook presence

Folks, I have never used Facebook at all. I am a senior citizen who is trying to go high tech. Over the last several years I have become somewhat computer literate, however I still have reservations about using Facebook because I do not want to increase my vulnerability to hackers. Earlier I saw Va...
by KyleAAA
Tue Aug 05, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2374

Re: Vanguard's Facebook presence

I certainly think it's more likely that people are emotionally invested in their favorite bands than in their mutual fund company, hence more likes. It's also likely true that investment companies in general probably aren't very good at social media marketing. Perhaps they think their target market ...
by KyleAAA
Mon Aug 04, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2374

Re: Can we afford a home (little more than $500K)

You can easily afford this house. It's not even a close call. Whether or not you can find a place just as good for less is an unknown, but in your position I'd probably make an offer.
by KyleAAA
Fri Aug 01, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford a home (little more than $500K)
Replies: 28
Views: 4322

Re: Help with a new $5m portfolio for an old lady

There's pretty much no reasonable portfolio that she'd have even a tiny chance of outliving in her situation. 100% CDs would work. 100% bonds would work. 100% stocks would probably even work if she could stomach the volatility. Personally, I'd probably just go with the Target Retirement Income fund ...
by KyleAAA
Tue Jul 29, 2014 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4467

Re: Target Retirement vs Life Strategy Income

At 30/70, the Target Retirement income fund is your only real option. If you're comfortable going 40/60, the Life Strategy conservative growth fund would be a better choice IMO. TIPS are cool and all, but your Vanguard advisor is right that a 40% allocation to equities would probably provide decent ...
by KyleAAA
Tue Jul 29, 2014 12:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement vs Life Strategy Income
Replies: 7
Views: 1310

Re: Vanguard sued for charging too little

Vanguard's CPA firm has undoubtedly vetted this issue and advised that VG is in compliance with the tax laws. And look at who is paying them. How did things work out for Enron's accounting firm? I knew people who used to work at Arthur Andersen; they don't anymore. How about you? Do you really thin...
by KyleAAA
Sun Jul 27, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 173
Views: 19171

Re: Vanguard sued for charging too little

I'm not a lawyer, but it unfortunately sounds to me as if there's at least SOMETHING to this lawsuit. These transactions certainly aren't arms-length transactions. On the other hand, the law is stupid and poorly written in the first place if it doesn't allow something like this. Mutual companies are...
by KyleAAA
Sun Jul 27, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 173
Views: 19171

Re: Treasury Direct--just blowing off steam

I am not particularly well versed in coding, or any other web development type issues. With that said, shouldn't there be a little more tolerance if you are already logged into your account in a secure environment (as Nisi noted in his OP) and just trying to send a secure email, to fix a problem? T...
by KyleAAA
Fri Jul 25, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4169

Re: Advice needed for $825,000 nest egg

Need some advice... My dad passed away and his TD Ameritrade brokerage account is worth over $925,000. 70% was various blue chip stocks, the rest in cash. My mom doesn’t trade any stocks but I was thinking about selling all the stocks for a nice gain.... EXCEPT the two 2 stocks that are down approx...
by KyleAAA
Fri Jul 25, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for $825,000 nest egg
Replies: 15
Views: 2318

Re: 401k website evaluation

I've never had or heard of a 401k website like that, so I wouldn't say it's the "norm."
by KyleAAA
Fri Jul 25, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k website evaluation
Replies: 5
Views: 337

Re: Computer Fried By Lightning - Security Question

You might want to physically observe them wipe the drive.
by KyleAAA
Thu Jul 24, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Computer Fried By Lightning - Security Question
Replies: 15
Views: 1219

Re: Dividend Growth Investing vs Index Funds

IF you have a large enough portfolio and IF you have the time and energy to properly diversify, DIY indexing can work. But if you just own 50-100 large-cap global dividend stocks (including foreign companies like BP, Toyota, etc), you really aren't nearly as diversified as a global index portfolio w...
by KyleAAA
Thu Jul 24, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing vs Index Funds
Replies: 14
Views: 1238

Re: favorite bogleheads posts?

The Boglehead beer thread. I've tried several new brews at the suggestion of others on that thread with good results.
by KyleAAA
Thu Jul 24, 2014 9:57 am
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 51
Views: 4632

Re: Here's another "where should I retire" thread

The mountains of western NC would be a good fit, at least for the lakehouse part. Plenty of lakes not too far from Asheville with large international airports within an hour or two depending on where exactly you are. Doesn't get to hot and muggy at altitude.
by KyleAAA
Thu Jul 24, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6387

Re: Anyone been to Charleston, SC?

Definitely do a ghost tour. Fort Sumter is good if you're a history buff but pretty boring otherwise. Lots of shopping on King Street and the food, well, you won't starve. Plenty of cool bars all over the downtown area. The microbrews in the area are hit or miss, but you get that everywhere. But yea...
by KyleAAA
Wed Jul 23, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 1512

Re: Reaching Severe Burnout - Can I Scale Back Career?

You have too much money. Scale back.
by KyleAAA
Wed Jul 23, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 50
Views: 6019

Re: A case against Index Funds in India

I don't really see any of these arguments as convincing enough to even need refutation. Indexing works. The data says it works. It doesn't even matter WHY it works. Let me put my sscritic hat on: Will indexing work if the indexes are modified every month? Every day? Every hour? Maybe, I don't know....
by KyleAAA
Wed Jul 23, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: A case against Index Funds in India
Replies: 32
Views: 1800

Re: A case against Index Funds in India

I don't really see any of these arguments as convincing enough to even need refutation. Indexing works. The data says it works. It doesn't even matter WHY it works. Let me put my sscritic hat on: Will indexing work if the indexes are modified every month? Every day? Every hour? Maybe, I don't know....
by KyleAAA
Wed Jul 23, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: A case against Index Funds in India
Replies: 32
Views: 1800

Re: A case against Index Funds in India

I don't really see any of these arguments as convincing enough to even need refutation. Indexing works. The data says it works. It doesn't even matter WHY it works.
by KyleAAA
Wed Jul 23, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: A case against Index Funds in India
Replies: 32
Views: 1800

Re: Front office vs Enterprise wide IT job

What do you mean by "IT solutions?" Keeping the printers running smoothly is going to be different than coding proprietary trading software.
by KyleAAA
Wed Jul 23, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Front office vs Enterprise wide IT job
Replies: 5
Views: 582

Re: Vanguard not vigilant about taxes?

As a general rule, Vanguard (index funds at least) tend to remain pretty neutral about company governance. A lot of people will argue this is bad for investors, but at least they are consistent. If they're remaining neutral in other matters, they should do it here instead.
by KyleAAA
Wed Jul 23, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard not vigilant about taxes?
Replies: 15
Views: 1670

Re: Asking for a raise

Well, you actually have more leverage than your employer because there are VERY specific laws determining what H1-Bs must be paid and how that pay is determined. If your job responsibilities change materially, they must, by law, file an H1-B amendment and reevaluate your salary accordingly. This is ...
by KyleAAA
Tue Jul 22, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise
Replies: 14
Views: 1530

Re: Have you used Ramit Sethi's Courses?

With regards to the comments about why doesn't he give it away for free? He does. Probably 95% of the content he creates he gives away for free. Some of them have a sales pitch at the end to get you to sign up for a course, but even so they provide real and valuable content even if you don't buy an...
by KyleAAA
Tue Jul 22, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 28
Views: 4804
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