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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: 4135

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: 1272

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: 114
Views: 11505

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: 114
Views: 11505

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: 4100

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: 2289

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: 332

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: 1187

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: 1151

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: 50
Views: 4050

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: 6168

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: 1457

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: 48
Views: 5052

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: 1707

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: 1707

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: 1707

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: 560

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: 1629

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: 1504

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: 4515

Re: If you are a winner before fees, why not lower the ER?

What am I missing? The part about fleecing investors for all they're worth? Sure, they could lower their prices, but as long as people are willing to pay them, why should they? A firm which is talented enough to beat the market might well be talented enough to figure out a business model, including...
by KyleAAA
Tue Jul 22, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1144

Re: Buying in ok neighborhood vs good neighborhood

Is the OK neighborhood in the process of gentrifying? If so you'll probably have a lot more upside than buying into a "good" neighborhood. The purchase prices seem to be relatively close after renovations, so it may end up being a toss-up unless you think one neighborhood will experience h...
by KyleAAA
Tue Jul 22, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1695

Re: Have you used Ramit Sethi's Courses?

kayanco wrote:lol, getting rich by selling products on getting rich :p

Anyway, thanks all for the responses!


Well, he was already rich before he started doing that. He was cofounder of a successful company called PBWiki.
by KyleAAA
Tue Jul 22, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 28
Views: 4515

Re: American in need of Premier team to root for

Why not support your local MLS team? The league is expanding and the quality of soccer is improving. It's not at the EPL level, but it's closing the gap.
by KyleAAA
Mon Jul 21, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: American in need of Premier team to root for
Replies: 21
Views: 1049

Re: Have you used Ramit Sethi's Courses?

ClevrChico wrote:If he's an expert on getting rich, why is he selling products for others to get rich? Wouldn't he just give it away?


No. Selling products it's how you get rich.
by KyleAAA
Mon Jul 21, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 28
Views: 4515

Re: Buy a condo for college?

As a student, dorm life is far preferable for the first year or two. This bears mentioning, since a few posters have said the same thing--at the college we are looking at, freshmen dorm rooms are 2 people in a 13x13 room, and they share a bathroom with 2 other people in an identical room. Condos al...
by KyleAAA
Sun Jul 20, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2502

Re: Have you used Ramit Sethi's Courses?

I've heard good things but I've never bought any of them.

I find he's generally on point with whatever he's saying, though, even if he says it in the most obnoxious way possible.
by KyleAAA
Sun Jul 20, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 28
Views: 4515

Re: Buy a condo for college?

As a student, dorm life is far preferable for the first year or two. After that, having a condo would be nice.

I would also NEVER have lived with my brother in college.
by KyleAAA
Sat Jul 19, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2502

Re: Vanguard Target retirement vs S&P500 indexing

You say "I know target funds are less risky and more diversified but the S&P 500 has outperformed it." Well, Apple stock has dramatically out-performed the S&P 500 over that same period. Why not just buy Apple stock instead? Answer: risk and diversification are really freaking impo...
by KyleAAA
Sat Jul 19, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target retirement vs S&P500 indexing
Replies: 7
Views: 1617

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Anecdotal buy my mother owns an Acadia and has had plenty of problems. Nice ride, though.
by KyleAAA
Thu Jul 17, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5337

Re: Where to park windfall

How about tbills directly at treasurydirect.gov? No need to diversify.
by KyleAAA
Wed Jul 16, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to park windfall
Replies: 9
Views: 1454

Re: Live URL links in seemingly genuine Vanguard emails?

My Vanguard emails have links in them. I expect the query string is for tracking or something similar. It's pretty standard practice for email campaigns.
by KyleAAA
Tue Jul 15, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Live URL links in seemingly genuine Vanguard emails?
Replies: 11
Views: 865

Re: Paperwhite for Cloudy-Day Reading

I use my Paperwhite in all conditions and I've never experienced eye-strain. MUCH better than a tablet for reading.
by KyleAAA
Tue Jul 15, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1822

Re: Any benefits of a low cost Vanguard Annuity?

According to Morningstar, the tax cost ratio of the Total Stock Market Index Fund Admiral Shares has been 0.37% per year for the last 10 years. 0.37% tax drag + 0.05% ER = 0.42% per year, which is less than the o.6% the annuity would cost you. Conclusion: you're better off paying taxes, at least for...
by KyleAAA
Tue Jul 15, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Any benefits of a low cost Vanguard Annuity?
Replies: 3
Views: 617

Re: Sell taxable account to pay down student loans?

I don't think I would pay down the loans but I probably WOULD sell those two stocks and invest in something more diversified instead.
by KyleAAA
Mon Jul 14, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell taxable account to pay down student loans?
Replies: 15
Views: 958

Re: Thoughts on 100% stock allocation for 33 year old

You were presumably investing and were 100% stocks in 2008. How did you react then? If you shrugged it off, I say go for it. I was 90% stocks in 2008 and I barely even noticed when I was down 50%. Consequently, I feel extremely confident I will react appropriately during the next crash. The silver l...
by KyleAAA
Sun Jul 13, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6209

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

There are very good relocation calculators that will give you a good idea of the general difference in COL. Since we don't know which town in the midwest you're coming from, we can't help. Moving from Minneapolis to NYC is probably quite different than moving from Kansas City to NYC.
by KyleAAA
Sun Jul 13, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2545

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

Your 401k is awesome. I know the difference in expense ratios between your portfolio and the LS fund is only in the 0.10% range, but I'd be loathe to give up the expense advantage if I had access to your fund options.
by KyleAAA
Sun Jul 13, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2269

Re: mom wants to "sell" me her condo for estate planning

How desirable is avoiding probate in this situation? Are there any real advantages? In my experience people tend to get irrationally fixated on things like that. If she's worried about medicare taking everything, fine, but even that doesn't seem worth the effort to me.
by KyleAAA
Sun Jul 13, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: mom wants to "sell" me her condo for estate planning
Replies: 23
Views: 3001

Re: Recent problems with Vanguard's website?

jebmke wrote:
KyleAAA wrote: 95% of weird things on screenshots sent in by customers end up being user error anyway.

I cut my computing teeth on IBM mainframes in the early 70s. Every single error dump/trace, almost without exception used to finish with the phrase "Probable User Error."


It happens!
by KyleAAA
Fri Jul 11, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1517

Re: Recent problems with Vanguard's website?

Actually, they came right out and said (er, wrote) that everything in our accounts WAS displaying correctly. They do have the ability to "see what the customer sees", although their "regular" displays (when one is speaking with customer semi-service) apparently are not the same ...
by KyleAAA
Fri Jul 11, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1517

Re: Recent problems with Vanguard's website?

I meant that Vanguard is claiming that *WE* do not have a problem. That we CAN "see" the properly updated linked information. That there is nothing they even need to look into, think about, whatever. Sending pdfs of the webpage or copies of screen saves doesn't work either. There quite si...
by KyleAAA
Fri Jul 11, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1517

Re: Engineer career change

ThatGuy wrote:Wikipedia can be edited by anyone, including sales engineers. That definition is decidedly lacking in my world view.


But ieee.org can't, and ieee.org says Software Engineering is an engineering discipline. And if anybody would know, it's the IEEE.
by KyleAAA
Fri Jul 11, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5527

Re: Engineer career change

Why not just get a software engineering job at an actual software company instead of a company that only writes software to support some other product? The difference is night and day. Unless you apply physics routinely in your job, you're not an engineer. The Institute of Electrical and Electronics...
by KyleAAA
Fri Jul 11, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5527

Re: Recent problems with Vanguard's website?

Sounds like they are doing maintenance and/or upgrades. Patience. Nope, one of the "error messages" (for several accounts) now shows that they couldn't update for more than 1,000 days. Another (at the same other institution) was apparently successfully updated about 2 months ago, a sudden...
by KyleAAA
Fri Jul 11, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1517

Re: Recent problems with Vanguard's website?

Sounds like they are doing maintenance and/or upgrades. Patience.
by KyleAAA
Fri Jul 11, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1517

Re: Full time vs IT contract

I'd say in this scenario, it isn't even close: the full-time position wins handily. The only exception is if you REALLY value those extra 2 weeks of vacation every year (which is reasonable). Your total compensation for the full-time position is ~ $147K per year including 401k match and profit shari...
by KyleAAA
Thu Jul 10, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Full time vs IT contract
Replies: 29
Views: 3491

Re: What finance experts do you follow on Twitter?

Large quantities of short, imprecise statesments delivered over an extended time period seems like the worst possible way to talk about finance. Or really most things worth talking about. Arab dictators agree: Twitter is pointless and its use should be discouraged. http://ictlogy.net/bibliography/r...
by KyleAAA
Wed Jul 09, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 35
Views: 4638

Re: Boglehead Beer

Right now my personal favorite is Lagunitas' Little Sumpin Sumpin. A great West Coast IPA. American Wheat. (Like Bell Oberon, or Three Floyds Gumball Head.) Huh, according to beer advocate you're right. The hop aroma was so strong I just assumed it was an IPA. I'll keep an eye out for Sumpin' Wild....
by KyleAAA
Wed Jul 09, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47328

Re: Is it ever ok to tell your boss you have another offer?

If you're willing to leave, do it. If not, don't. Did you try negotiating the other offer or is that as high as they're willing to go?
by KyleAAA
Mon Jul 07, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2817
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