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Re: Beepi - a new way to buy a used car?

I disagree and think that test drives are quite important. In 2000 I found out that the cars I thought I liked, 1998 VW GTi, celica, civic Type R, were not the driving style and experience I wanted. I ended up going with an Acura GSR which I still wish I had. In 2012 it was again a competition betw...
by KyleAAA
Fri Feb 27, 2015 11:49 am
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 22
Views: 1805

Re: Beepi - a new way to buy a used car?

I didn't test drive the last car I bought and it was fine. Unless you're looking for something VERY specific or have VERY specific needs (i.e. maybe you're 6'8"), what does a test drive actually buy you, anyway? The way 99.99% of people do it, the answer is absolutely nothing. A test drive is c...
by KyleAAA
Fri Feb 27, 2015 9:23 am
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 22
Views: 1805

Re: CarsDirect didn't lead to dealers responding with prices

"But while net profit in the new-vehicle department was positive in 2013, the profit per-new-vehicle retailed fell to $69 from $111 the previous year." Source: NADA 2014 ANNUAL FINANCIAL PROFILE OF AMERICA’S FRANCHISED NEW-CAR DEALERSHIPS It's amazing how little profit there is in new car...
by KyleAAA
Thu Feb 26, 2015 11:17 am
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 63
Views: 4655

Re: Problems with Internet Explorer

IE hasn't been worth using since the 90s. You made the right choice.
by KyleAAA
Sat Feb 21, 2015 10:47 am
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1583

Re: Commiting NEW cash to market

Doesn't really matter. Flip a coin.
by KyleAAA
Sat Feb 21, 2015 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Commiting NEW cash to market
Replies: 31
Views: 2095

Re: Extended car warranty - worth it?

My understanding is that extended warranties not backed by the manufacturer often have so many loopholes as to be useless.
by KyleAAA
Thu Feb 19, 2015 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1833

Re: Dave Ramsey Lashes Out at His Financial Critics

Bogle has not taken anyone from poverty to prosperity, which Dave does daily. How can you argue against that? PS. Thanks for the correct spelling of ridiculous. :oops: I'm pretty sure Dave hasn't, either, fyi. But even if he has, it's very easy to argue against that. Knowingly giving bad advice is ...
by KyleAAA
Thu Feb 19, 2015 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9646

Re: Upgrading from VG investor to admiral shares

TwoByFour wrote:I did ask Schwab and they said it is not possible for them to do it. $70 is not the end of the world.


Yes it is, especially when it's trivially easy to get it for free with absolutely no downside!
by KyleAAA
Thu Feb 19, 2015 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upgrading from VG investor to admiral shares
Replies: 9
Views: 727

Re: CarsDirect didn't lead to dealers responding with prices

Johno wrote:I'd love to see anonymous, truthful dealer input on how they view the current landscape of car selling including the online services.


Check out the askcarsales subreddit. There is no shortage of anonymous dealer input there.
by KyleAAA
Thu Feb 19, 2015 3:42 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 63
Views: 4655

Re: CarsDirect didn't lead to dealers responding with prices

Dealers hate giving concrete prices by email because they know you'll just take it to the dealer down the street and have them beat it. Yes, this is normal and yes, this is why everyone hates car dealers.
by KyleAAA
Thu Feb 19, 2015 3:39 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 63
Views: 4655

Re: Google two step verification & overseas travel

I use option 2. Works flawlessly. Much better than SMS, actually, since there's no delay.
by KyleAAA
Mon Feb 09, 2015 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Google two step verification & overseas travel
Replies: 10
Views: 582

Re: talk me out of it - investing in oil

Scientists are on the verge of discovering cold fusion and fossil fuels will soon be obsolete.
by KyleAAA
Sun Feb 08, 2015 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: talk me out of it - investing in oil
Replies: 50
Views: 4719

Re: Unhappy With Job Raise

Why were you expecting 5%? Were they aware of your expectations? Did you tell them what you felt you deserved? 3% is pretty standard across most industries. Are you sure their views of your accomplishments mirror your own? If you haven't had any prior discussions with you boss about raises and they ...
by KyleAAA
Fri Feb 06, 2015 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7603

Re: Seeking advice on learning computer science

I have been giving a lot of thought to what I want to do in my early retirement, and I think I would like to learn computer science. I’m looking for advice on how to go about this. About me: last time I programmed was in Macro-11 (assembly language). i.e., the dark ages. Most of modern computing is...
by KyleAAA
Wed Feb 04, 2015 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1905

Re: How to fire a client? [software ownership issues]

I think we both know that contracts can go either way. In reality, if I am paying someone to build software (lacking a contract - not that I would do this), I would assume I was buying the software and had intellectual ownership of the source code. It makes no sense to fully finance the building of...
by KyleAAA
Wed Feb 04, 2015 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4889

Re: What exactly is "wealthy?"

I disagree with The Millionaire Next Door. A wealthy person is wealthy regardless of what her expenses are. If she outspends her wealth, she won't be wealthy for long, but that doesn't imply she wasn't wealthy to begin with. A billionaire is wealthy regardless of whether or not he spends $500 millio...
by KyleAAA
Tue Feb 03, 2015 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What exactly is "wealthy?"
Replies: 47
Views: 4036

Re: How to fire a client? [software ownership issues]

I think we both know that contracts can go either way. In reality, if I am paying someone to build software (lacking a contract - not that I would do this), I would assume I was buying the software and had intellectual ownership of the source code. It makes no sense to fully finance the building of...
by KyleAAA
Mon Feb 02, 2015 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4889

Re: How to fire a client? [software ownership issues]

The client pays for a programmer to create an APPLICATION. How the programmer make it work (i.e. the source code) isn't included in the deal unless explicitly spelled out in the contract. The client may own the compiled binary or deployed website or whatever, but usually not the source code itself. ...
by KyleAAA
Mon Feb 02, 2015 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4889

Re: tipping by iPad

I don't tip for that service because is it not a social situation in which a tip is widely expected. So I just click "no tip."
by KyleAAA
Sun Feb 01, 2015 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: tipping by iPad
Replies: 40
Views: 2916

Re: Are there skilled investors and managers?

Of course there are skilled investors. I've never heard anybody seriously argue there aren't. What people usually argue is that you can't identify them in advance. Also, that most people with superior long-term records aren't at all skilled (i.e. Warren Buffett) since random chance requires that the...
by KyleAAA
Sun Feb 01, 2015 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Are there skilled investors and managers?
Replies: 25
Views: 1433

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: 198

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: 80
Views: 3840

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: 80
Views: 3840

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: 2716

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: 1908

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: 1908

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: 2213

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: 12874

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: 12874

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: 12874

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: 13263

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: 6440

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: 6440

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: 3299

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: 3936

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: 2059

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: 79
Views: 7093

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: 2590

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: 3395

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: 3395

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: 2433

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: 2433

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: 1580

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: 9951

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: 9951

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: 1385

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: 730

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: 4425

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: 2416

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: 9851
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