Search found 5533 matches

by KyleAAA
Mon Jun 29, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 44
Views: 3290

Re: Used, Reliable, Safe, Financially Sound cars

A Mazda 3 hatchbook would probably check all of your boxes. It's not an SUV, but in hatchback from has plenty of space to haul crap. A Honda Fit would carry even more stuff in hatchback form although you sacrifice some of the fun-to-drive. Honda CRV, Toyota Highlander, and Mazda CX-5 would be decent...
by KyleAAA
Mon Jun 29, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 89
Views: 11325

Re: Tech jobs - is job-hopping the best way to get ahead?

The odd thing about looking for software development work is that many companies won't hire you unless you have experience in the specific framework/language they're using. If you're a senior developer that has working knowledge of a few languages, it should be pretty easy to pick up something new ...
by KyleAAA
Fri Jun 26, 2015 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 89
Views: 11325

Re: Tech jobs - is job-hopping the best way to get ahead?

It's all fun and games until your SW dev job gets outsourced to Mumbai. It's amazing how many FTEs you can get over there for $250k USD. I also wouldn't take these NYC and SV salaries as indicative of the typical compensation level of a grade A SW developer at a Fortune 500 company across the USA. ...
by KyleAAA
Tue Jun 23, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 89
Views: 11325

Re: Tech jobs - is job-hopping the best way to get ahead?

Go into any company offices and see how many over 50 guys you can find doing coding. I bet you won't see many unless they are ones who hung around in the same job for decades. Unless they went on to management or some other line of work, they are probably not working. I see them at the gym during t...
by KyleAAA
Tue Jun 23, 2015 10:14 am
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 74
Views: 7420

Re: MacBook Pro Worth the money?

They are all pretty comparable given a similar feature set. Dell's and HP's aren't that much cheaper than Macs when you compare apples-to-apples hardware.
by KyleAAA
Tue Jun 23, 2015 9:29 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19370

Re: What was the 2008 crash like in real time?

I made no changes in 2008 and didn't find it particularly stressful at all, but maybe that's because my portfolio wasn't all that large back then. Now? I would probably get a little worried - I'm not sure, really. I'm pretty confident I would stay the course, though.
by KyleAAA
Mon Jun 22, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 89
Views: 11325

Re: Tech jobs - is job-hopping the best way to get ahead?

Where are you working that you are making that much Without disclosing my employer here, since this could get personally identifiable awfully quickly, I'll just say that I know people at: Google, Amazon, Microsoft, Twitter, Facebook and Dropbox; all of whom make salaries in that range. Also note th...
by KyleAAA
Mon Jun 22, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 89
Views: 11325

Re: Tech jobs - is job-hopping the best way to get ahead?

In my experience HR doesn't even know salary ranges are set too low until they start having trouble hiring new people. And even then, it takes a while. Job-hopping is the easiest, though by no means only, way to boost your compensation significantly. In this market there's really no stigma at all fo...
by KyleAAA
Thu Jun 18, 2015 3:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 17
Views: 1791

Re: Vanguard website down

Are you guys all like daytraders or something? :mrgreen: :D :D Are you suggesting that a company managing $$ Trillions shouldn't be expected to have their website up all the time! Its been close to 45 minutes now and its still down, hope they recover soon - a good test to watch Vanguard's IT system...
by KyleAAA
Mon Jun 08, 2015 10:38 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12638

Re: Car dealer wants me to compensate for underpayment

You might want to post this in the askcarsales subreddit over on Reddit. They've probably seen situations like this before and can give you a better idea of what to expect. Please report back here with whatever you find out!
by KyleAAA
Sun Jun 07, 2015 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Confused college kid
Replies: 54
Views: 5165

Re: Confused college kid

Computing in general is a fairly low-stress, non-cutthroat environment so if that's your goal, computer science doesn't seem like a bad bet. There's a lot more to CS than just programming. Maybe explore some of the other facets? A lot of people like the design and artistic aspect of software enginee...
by KyleAAA
Sun Jun 07, 2015 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Economic Outpatient Care for a Boglehead
Replies: 70
Views: 4598

Re: Inheritance and Economic Outpatient Care for a Boglehead

Roughly 15%, owing entirely to college costs.

EDIT: if undergraduate tuition and room/board doesn't count, then probably less than 2%.
by KyleAAA
Thu Jun 04, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: New car warranty about to expire
Replies: 18
Views: 1890

Re: New car warranty about to expire

You could take it to the dealership and ask for an inspection. I'm sure they will "find" something that needs replaced so they can get that last bit of warranty cash from Honda.
by KyleAAA
Thu Jun 04, 2015 10:04 am
Forum: Investing - Theory, News & General
Topic: Four Vanguard International Equity Index changing/broadening indexes
Replies: 64
Views: 6272

Re: Four Vanguard International Equity Index changing/broadening indexes

Excellent changes. I don't understand objections to adding China A shares. China has one of the world's largest and fastest-growing economies and objecting to their inclusion on valuation grounds feels like market timing.
by KyleAAA
Thu May 28, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 55
Views: 4971

Re: Buying a Car to commute - SUV or Sedan?

About the hybrid, is it a safe car to drive? I heard it will cause you headache in the long run, is that true? I'm always interested in Prius but didn't get it cause hubby said it might not be good in the long run for my health. Absolutely not. The Prius is among the most reliable cars on the road,...
by KyleAAA
Fri May 22, 2015 7:11 pm
Forum: Investing - Theory, News & General
Topic: W. Buffett can earn 50% return, why don't you?
Replies: 31
Views: 3354

Re: W. Buffett can earn 50% return, why don't you?

Can he? I don't think he has lately, and having done it 30 or 40 years ago is completely different than being able to do it today.
by KyleAAA
Fri May 22, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 4252

Re: Put money down on new car, dealer wants color change

... We had reached a price agreement for the new vehicle, and the money allowed them to finalize the search for the vehicle we requested. I've never heard of having to put down money for a dealer to search for the vehicle you want. Ask for your money back, unless you are willing to accept a differe...
by KyleAAA
Fri May 22, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 4252

Re: Put money down on new car, dealer wants color change

... We had reached a price agreement for the new vehicle, and the money allowed them to finalize the search for the vehicle we requested. I've never heard of having to put down money for a dealer to search for the vehicle you want. Ask for your money back, unless you are willing to accept a differe...
by KyleAAA
Fri May 22, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 4252

Re: Put money down on new car, dealer wants color change

If they can't get the car, they can't get the car. If it's important to you, you should ask for your money back and they should give it with a minimum of fuss if they are a reputable dealership. If you are okay with a color switch, you can try asking for a few hundred dollars off but the odds of suc...
by KyleAAA
Wed May 20, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. MB vs. BMW
Replies: 80
Views: 7649

Re: Lexus vs. MB vs. BMW

My take having never owned or driven any of them: the Lexus is likely to be far more reliable than either of the German cars, which would be the clincher for me. The BMW looks the best, and the MB probably has the nicest interior by a slim margin over the Lexus. BMW interiors are universally horribl...
by KyleAAA
Fri May 15, 2015 10:13 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 5351

Re: Why is Vanguard's Web Site So Bad?

Who knows. It's not a cost thing because they have plenty of resources already to build a great website. It's more likely a corporate will problem. But since the costs are so low, I'll deal with this minor inconvenience.
by KyleAAA
Mon May 11, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 2240

Re: Day trips from Berlin?

I spent a day in Potsdam when I was last in Berlin and it did not disappoint.
by KyleAAA
Mon May 11, 2015 1:50 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 7306

Re: International - Who really is at 40%

I'm 50% international.
by KyleAAA
Wed May 06, 2015 12:38 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

You keep saying you don't believe that there are much better deals given than Truecar's quotes, but we are showing you there are and it hasn't been difficult to do. It is worth noting that my truecar quote from 70 miles away rather than the 4 local Honda dealers in my area. I did not once say that....
by KyleAAA
Wed May 06, 2015 12:34 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

KyleAAA - Somebody else may want to say it, but respectfully I don't find your arguments very compelling. You seemed to imply that you had gone through the Truecar buying process and had gotten a good deal using this approach. But it looks like "a friend did" and you don't have any actual...
by KyleAAA
Wed May 06, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

You haven't completed the process either if you haven't actually gone to the dealer to see if they will honor their quote. Too many stories that you can find with a search about folks who did that and got the old bait and switch. The dealer quote means nothing unless it is *guaranteed. No, I have. ...
by KyleAAA
Wed May 06, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

You haven't completed the process either if you haven't actually gone to the dealer to see if they will honor their quote. Too many stories that you can find with a search about folks who did that and got the old bait and switch. The dealer quote means nothing unless it is *guaranteed. No, I have. ...
by KyleAAA
Tue May 05, 2015 3:43 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

You haven't completed the process either if you haven't actually gone to the dealer to see if they will honor their quote. Too many stories that you can find with a search about folks who did that and got the old bait and switch. The dealer quote means nothing unless it is *guaranteed. No, I have. ...
by KyleAAA
Tue May 05, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

KyleAAA: It appears pretty obvious that you are pro-Truecar and are finding convenient excuses to disagree. And that is fine. Before we proceed further on this discussion, I would want you to categorically state that you are not aligned - through business or job - with either Truecar or an auto dea...
by KyleAAA
Tue May 05, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

You haven't completed the process either if you haven't actually gone to the dealer to see if they will honor their quote. Too many stories that you can find with a search about folks who did that and got the old bait and switch. The dealer quote means nothing unless it is *guaranteed. No, I have.
by KyleAAA
Tue May 05, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

I used Truecar as another reference point when negotiating (late 2013), but never directly brought up the Truecar price. From what I read online, many supposed Truecar dealerships use it as a bait-and-switch where they will not honor it (don't have the exact car with the exact options and accessori...
by KyleAAA
Tue May 05, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

What the bleep are "financing incentives"? You seem to have sharpened your pencil a bit too much on this one. For example, when I bought my last car (which I didn't use Truecar for, btw) I could choose between $750 off or 0% interest. I chose the $750 off, but I can't then go and say I &q...
by KyleAAA
Tue May 05, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

Example: Truecar quotes $20,000 but you go into the dealership, get a $1,000 factory rebate and another $500 rebate for financing through Honda financing (or whomever) and end up paying only $18,500. You conclude you beat Truecar by $1,500. Well no you didn't, because you would have gotten that $1,...
by KyleAAA
Tue May 05, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

I used Truecar as another reference point when negotiating (late 2013), but never directly brought up the Truecar price. From what I read online, many supposed Truecar dealerships use it as a bait-and-switch where they will not honor it (don't have the exact car with the exact options and accessori...
by KyleAAA
Tue May 05, 2015 1:56 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

I'm in the market for a new car and has been researching prices. This post is correct, TrueCar was sued a couple years ago by the dealers and now their prices are bunk. In fact, car forums are reporting that if you walk into a dealership with a TrueCar printout, they'll be glad to sell you the car ...
by KyleAAA
Sun May 03, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

Exactly. Posters here who are claiming that truecar gives the cheapest price forget that by ADDING an unnecessary INTERMEDIARY can not reduce costs. It can't reduce costs for the dealer, no. But that is unrelated to whether or not it reduces costs for the end consumer. In fact, in its previous inca...
by KyleAAA
Sun May 03, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

In general, Truecar is very close to the best possible price in an average situation. This statement is absolutely NOT true, by a wide margin. I think Truecar is strictly worse (for the customer) than the best possible price in an average situation. Otherwise, this would be a losing proposition to ...
by KyleAAA
Sat May 02, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

In my one experience with TrueCar, I started with them to purchase a 2014 Honda Odyssey EX. The TrueCar price quoted was $3500 off sticker which I thought was pretty good. I received an email from one dealership immediately and went in the next day for a test drive. After the test drive, as we were...
by KyleAAA
Sat May 02, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9006

Re: Truecar -- isn't this just a car buying scam?

The numbers are quite accurate in most cases. You don't really need much data at all to get a very accurate picture of market prices most of the time. Truecar plugs directly into the dealer's CRM (a requirement of being a Truecar dealership) so they know exact details of all those transactions. Most...
by KyleAAA
Tue Apr 21, 2015 5:05 am
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 99
Views: 10454

Re: “Entry level” luxury cars under 40k

I do find it interesting that many Bogleheads will scrimp and save .10%, .25% or .50% on an Expense Ratio and would never pay an advisor 1% but are OK with a lifetime of car payments or mortgage payments. I realize the amounts are smaller and you don't have the compounding. But if you invested that...
by KyleAAA
Mon Apr 20, 2015 12:57 pm
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 99
Views: 10454

Re: “Entry level” luxury cars under 40k

In general I think you're far better off going with the highest trim of a non-luxury car than a low-end luxury car. A high-trim Mazda will be nicer than a low-end BMW, will be more fun to drive, and you'll get much better reliability and lower maintenance costs to boot.
by KyleAAA
Thu Apr 16, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4838

Re: Is 2007 Accord 60K mile service worth $300?

You can probably get the same thing done for less than half that from an independent shop.
by KyleAAA
Sat Apr 04, 2015 9:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 3858

Re: Vanguard advice to increase international bonds and stoc

This is the part that bothers me: Why are we making these changes? We believe that increasing the international diversification of your portfolio is in your best interest because it will help lower your volatility and risk over the long term. Research has shown that non-U.S. stocks have diversified...
by KyleAAA
Thu Mar 26, 2015 9:14 pm
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 131
Views: 14989

Re: Wise move to move some $ to cash before bear market?

Sure, a bear market is coming sometime in the future but the market could triple before that happens. If you're uncomfortable with the prospect of losing 20-30% of your portfolio, you're investing beyond your risk tolerance.
by KyleAAA
Thu Mar 26, 2015 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares vs Diversity? Beginner Question
Replies: 14
Views: 1455

Re: Admiral Shares vs Diversity? Beginner Question

The cost savings are inconsequential at that level of assets, so just flip a coin and go with it. I chose to diversify when I was in your situation.
by KyleAAA
Sun Mar 15, 2015 9:34 am
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5857

Re: Improving the Lifestrategy Funds

If only could do muni bonds for taxable accounts. Hi LA: This request comes up frequently. The reason that Vanguard has only one balanced fund that includes muni bonds (the tax-managed balanced fund) is that regulations require that a mutual fund hold at least 50% of fund assets in muni securities ...
by KyleAAA
Sun Mar 15, 2015 9:29 am
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5857

Re: Improving the Lifestrategy Funds

I'm a tilter so yeah, I would prefer if they had some REITs and Small cap value. If they did, I would probably just buy them instead of rolling my own even though the expense ratios are a bit higher. That said, it kinda defeats the purpose of having a general-purpose all-in-one fund. Now, if they ke...
by KyleAAA
Sat Mar 14, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 3188

Re: Should tilters recommend tilting to beginners?

I would say yes. Some people intuitively get and like the idea of tilting and others don't. If they don't seem to like the idea, drop it.
by KyleAAA
Fri Mar 13, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4373

Re: Stock Market going south what's next?

I'm genuinely confused. First you say you're not claiming that the market has perfect information about what will be in the BLS report, and now you're claiming that the BLS report is always perfectly equivalent to preexisting data sources. Huh? No I'm not. I'm just saying the data is out there, the...
by KyleAAA
Fri Mar 13, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4373

Re: Stock Market going south what's next?

The belief seems to be that the market is in the dark about employment figures until the BLS report comes out and then dramatically reacts accordingly when the "truth" is known, which is simply not true. Why does that seem dubious to you? The existence of myriad private companies out ther...

Go to advanced search