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Re: How to avoid ads and not get tracked

If you use AdBlock, who cares about Ghostery? Tracking software is to customize ads. But, if you don't see ads, who cares about being tracked? OP, what are you doing online that you're so worried about? Just because I am sitting here on my computer reading the Bogleheads forum, doesn't mean I want ...
by KyleAAA
Fri Apr 18, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 34
Views: 1627

Re: Why does Vanguard use average return iso compound annual

Jack wrote: There is no ambiguity. If there were no ambiguity, we wouldn't be having this long conversation. Why would anyone assume an arithmetic average that provides no useful information? Because that's the way it's labeled? Label it correctly and there would be no confusion--even the Vanguard ...
by KyleAAA
Tue Apr 15, 2014 8:01 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4078

Re: Asset allocation vs. pooling for admiral shares

You're talking about something like $8 either way. Not really worth worrying about. Personally, I would just diversify upfront.
by KyleAAA
Mon Apr 14, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation vs. pooling for admiral shares
Replies: 9
Views: 786

Re: Does Mint.com randomly access your account?

Yes, it's common to access accounts during non-peak hours and cache the results for performance purposes, among other reasons (i.e. it's not just Mint). If you are okay with them accessing the information when you log in, I don't see why you'd have a problem with them doing it at 3:45 in the morning...
by KyleAAA
Mon Apr 14, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1933

Re: Do I have too littled invested to diversify?

Doesn't matter. Flip a coin.
by KyleAAA
Fri Apr 11, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I have too littled invested to diversify?
Replies: 15
Views: 858

Re: Mr. Money Mustache: Hero or Foolish?

Despite all their complaining, people like working. I'd want to make the distinction between "work" as defined by trading your time for money you need to buy the necessities of life, and "work" that you might do if you were financially independent. I'm not saying most people wou...
by KyleAAA
Fri Apr 11, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23818

Re: Mr. Money Mustache: Hero or Foolish?

Everyone says we need to all be consumers to keep our economy going, but what if we could all just have less stuff, all work less, and all be happier, have more time with our families and strengthen our local communities. I think this would actually make people less happy, but that's another discus...
by KyleAAA
Fri Apr 11, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23818

Re: Passport validity: Do I need at least 6 months?

I've traveled to several countries with under 6 months remaining and never had any trouble. I believe most countries have a 3 month cut-off. My last renewal only took like 10 days, though, and that was during the government shutdown. Relevant to your situation, last year I flew to London with less t...
by KyleAAA
Fri Apr 11, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1532

Re: Mr. Money Mustache: Hero or Foolish?

Actually I don't think that's true from an IRS point of view. A quick look at the IRS site implies that it's not bartering if it's informal exchange of services on a non-commercial basis. So for your first example, it's not bartering if I'm not a landscaper/lawn care guy. It's just a friend giving ...
by KyleAAA
Fri Apr 11, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23818

Re: Need tips for Puerto Rico - family trip with small kids

If you're staying in San Juan, it's pretty easy to get to the bio bay in Fajardo via bus. The one I went to might not work for the 4 year old because you have to row a kayak through an extremely dark and narrow mangrove forest to get to the bay. There are plenty of snorkling outings and booze cruise...
by KyleAAA
Fri Apr 11, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Need tips for Puerto Rico - family trip with small kids
Replies: 6
Views: 468

Re: Mr. Money Mustache: Hero or Foolish?

I don't think it's apples to apples when you're talking about an employer. Let's suppose I make $50k/yr and have a housing budget of $700/mo. I have a friend who has an unused McMansion so I stay there so the house is occupied and pay $700/mo vs the $1700/mo market rate. Is it honest to say I live ...
by KyleAAA
Thu Apr 10, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23818

Re: Always understand taxes do not trust software

If I can't trust the software and have to do it by hand anyway, there's no point in using the software. It's better for me to just trust the software and deal with any problems that crop up later. Much less hassle that way, even if there are eventually problems I have to deal with. Missing out on a ...
by KyleAAA
Thu Apr 10, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Always understand taxes do not trust software
Replies: 33
Views: 2658

Re: Wait for better tenant application or approve the one I

From a tenant's perspective, I can't ever see myself agreeing to a 2 year lease unless there was a MAJOR discount for doing so. Why should I? There's nothing in it for me.
by KyleAAA
Thu Apr 10, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1536

Re: Getting over huge mistakes

You and your wife are in the top 10% for your age in retirement savings. Not sure why you would beat yourself up over that. You've hardly made any even moderate mistakes, much less huge mistakes.
by KyleAAA
Thu Apr 10, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting over huge mistakes
Replies: 30
Views: 3277

Re: Mr. Money Mustache: Hero or Foolish?

I can still remember the wrath, confusion, and disappointment that greeted J.D. Roth's announcement that he had sold Get Rich Slowly for a large sum of money. Evidently he had sold the blog some time earlier but did not tell his readers. He had been transitioning to a new phase of his life already ...
by KyleAAA
Thu Apr 10, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23818

Re: how do browsers make money?

Straight from the horse's mouth:

http://www.mozilla.org/en-US/foundation ... /2012/faq/

Revenue was $311 million in 2012. 90%+ of that almost certainly came from Google paying to be the default search provider in the upper right search box.
by KyleAAA
Wed Apr 09, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: how do browsers make money?
Replies: 7
Views: 898

Re: IRA for LLC

She can do both a SEP IRA and a Roth IRA at the same time: SEP IRA contributions don't count against the Roth IRA contribution limit and vice versa. But to pshonore's point, we need more information to make concrete recommendations.
by KyleAAA
Tue Apr 08, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: IRA for LLC
Replies: 3
Views: 176

Re: Why did Buffet Pick Vanguard SP500?

He could invest it 90% in the total All-State Lottery Ticket Index Fund and it wouldn't matter much to his heir's standard of living. I don't think anybody should read into his decision on this.
by KyleAAA
Mon Apr 07, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why did Buffet Pick Vanguard SP500?
Replies: 23
Views: 2864

Re: Why is Joe Brennan defending high frequency trading?

People need to stop being defensive. The problem, as outlined in today's NYT article, isn't caused by a conspiracy or anything like that. It's caused by structural problems that are taken advantage. It's not a "blame" problem. The IEX exchange attempts to eliminate the structure problems ...
by KyleAAA
Sun Apr 06, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Joe Brennan defending high frequency trading?
Replies: 54
Views: 3495

Re: Why is Vanguard defending high frequency trading?

No, but I've read very detailed descriptions about his findings and I was already aware of these types of shenanigans long before the book came out, and I'm not even in the industry. That coupled with comments from other people more in-the-know than Lewis leads me to believe I'm pretty qualified to...
by KyleAAA
Sun Apr 06, 2014 1:33 am
 
Forum: Investing - Theory, News & General
Topic: Why is Joe Brennan defending high frequency trading?
Replies: 54
Views: 3495

Re: Why is Vanguard defending high frequency trading?

No I didn't. I said I would expect Bogle to be familiar with Lewis's arguments. Being familiar with his arguments doesn't require him to be familiar with the specifics. The fact that things like this happen isn't a secret. Hell, I'm not in finance at all and I knew it was happening. Are there REALL...
by KyleAAA
Sun Apr 06, 2014 12:52 am
 
Forum: Investing - Theory, News & General
Topic: Why is Joe Brennan defending high frequency trading?
Replies: 54
Views: 3495

Re: Why is Vanguard defending high frequency trading?

I haven't read the book yet, but by all accounts Lewis didn't provide any new information or analysis or engage in any novel scholarship. I would expect somebody like Bogle to be familiar with Lewis's arguments without having to read the book. To quote Michael Lewis in the 60 minutes interview: &qu...
by KyleAAA
Sat Apr 05, 2014 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Joe Brennan defending high frequency trading?
Replies: 54
Views: 3495

Re: Why is Vanguard defending high frequency trading?

I haven't read the book yet, but by all accounts Lewis didn't provide any new information or analysis or engage in any novel scholarship. I would expect somebody like Bogle to be familiar with Lewis's arguments without having to read the book. To quote Michael Lewis in the 60 minutes interview: &qu...
by KyleAAA
Sat Apr 05, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Why is Joe Brennan defending high frequency trading?
Replies: 54
Views: 3495

Re: Free "If You Can" Kindle and .pdf eBook

Many thanks to Bill Bernstein for an excellent paper. In the paper, he recommends reading Rick Ferri's "All About Asset Allocation" and Allan Roth's "How A Second Grade Beat Wall Street". Although both books are certainly worth reading, I would recommend Bill Bernstein's books a...
by KyleAAA
Sat Apr 05, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 51
Views: 5499

Re: I accidentally discovered a coworkers salary... now what

Do not tell her anything. Do ask for a raise. +1 and ... about the raise, be thankful that 20+ years with the company is worth something. She has paid her dues, you haven't. People who work in non-union/government type jobs don't have that kind of mind-set. It has nothing to do with "dues"...
by KyleAAA
Sat Apr 05, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5430

Re: Why is Vanguard defending high frequency trading?

Because it benefits retail investors http://www.cbsnews.com/news/jack-bogle-michael-lewis-is-wrong-about-rigged-markets/ It would help if you researched your question before posting. lol, a little defensive aren't we? I'm guessing you didn't even listen to the audio clip. To quote your article: &qu...
by KyleAAA
Fri Apr 04, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Joe Brennan defending high frequency trading?
Replies: 54
Views: 3495

Re: Free "If You Can" Kindle

I went ahead and just paid the 99 cents. Enjoy that 1/4 of a coffee ;)
by KyleAAA
Thu Apr 03, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 51
Views: 5499

Re: Mr. Money Mustache: Hero or Foolish?

$15/hour is a low-end starting wage for interns in the software engineering field and they can easily earn up to $25-30/hr if they are upperclassman with a few internships already under their belt. I don't know of many other fields where interns can make that much, though.
by KyleAAA
Thu Apr 03, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23818

Re: Web hosting for largish websites

^Yes, it's an enterprise tool. I realized I didn't mention that the main web application runs .NET so the server needs to run Windows. Not doing anything crazy or overly complex. I found Amazon's AWS support pricing - https://aws.amazon.com/premiumsupport/pricing/ I think the Business option would ...
by KyleAAA
Thu Apr 03, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Web hosting for largish websites
Replies: 17
Views: 776

Re: Web hosting for largish websites

Thanks for the replies. I'm not looking for a budget hosting company. I've had enough experience with GoDaddy in the past. Rackspace is probably at the top of the list for now since they offer "fanatical" support. I've used Amazon AWS in the past too, but I don't believe they offer suppor...
by KyleAAA
Thu Apr 03, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Web hosting for largish websites
Replies: 17
Views: 776

Re: Web hosting for largish websites

Impossible to say. It COMPLETELY depends on the kind of app you're running. Seriously, reasonable cost estimates could run from $20 month to $25,000 per month. Are you trying to run a blog? A real-time stock trading app? A 5-page sales letter and order form? A forum?
by KyleAAA
Wed Apr 02, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Web hosting for largish websites
Replies: 17
Views: 776

Re: Why does Vanguard use average return iso compound annual

In the investing word, average annual return = compound annual growth rate. When people hear average, they assume CAGR and not the simple arithmetic average, so it's not really a problem. I disagree completely. Joe Smoe looking to buy his first mutual fund in his first taxable account doesn't know ...
by KyleAAA
Wed Apr 02, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4078

Re: Why does Vanguard use average return iso compound annual

In the investing word, average annual return = compound annual growth rate. When people hear average, they assume CAGR and not the simple arithmetic average, so it's not really a problem.
by KyleAAA
Wed Apr 02, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4078

Re: Mr. Money Mustache: Hero or Foolish?

Neither. There are many roads to Jerusalem.
by KyleAAA
Mon Mar 31, 2014 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23818

Re: First Speeding Ticket: What Would You Do?

Can you not please nolo in New York?

Unfortunately, you're pretty much guilty until proven innocent in traffic court. Still, over half of people who actually fight these tickets end up winning. The odds are in your favor.
by KyleAAA
Sun Mar 30, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Speeding Ticket: What Would You Do?
Replies: 72
Views: 4091

Re: My husband is receiving $2.31M for selling his company.

You should definitely talk to a good tax accountant. I'm assuming there are also lawyers involved in the sale. Maybe one of them could refer somebody? As for having the money paid into an LLC, were you advised to do that or was it just a general question? I can't think of any advantages to doing tha...
by KyleAAA
Sun Mar 30, 2014 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: My husband is receiving $2.31M for selling his company. What
Replies: 15
Views: 3413

Re: New Friends are the Anti-Bogleheads, what to do?

Do nothing. Annoying evangelist types make us all look bad.
by KyleAAA
Sun Mar 30, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8401

Re: Where to put $10-15K for 2-5 years?

What kind of startup are you thinking?
by KyleAAA
Sun Mar 30, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put $10-15K for 2-5 years?
Replies: 25
Views: 2332

Re: Being older/younger in class -- benefits, issues?

I don't have any kids, but I've seen a lot of research on the benefits of holding kids back a year. The advantage of being even just 6 months older in the elementary school grades is supposedly huge. And since "bright" kids get more attention, it becomes a self-fulfilling prophecy. If you ...
by KyleAAA
Sat Mar 29, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4796

Re: Is Small-Cap Value's 47.2% Turnover Rate Troubling?

My initial reaction would be to avoid owning it in a taxable account, but looking at Morningstar it really isn't THAT much less tax-efficient than the total stock market index fund.
by KyleAAA
Fri Mar 28, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Is Small-Cap Value's 47.2% Turnover Rate Troubling?
Replies: 11
Views: 1319

Re: What age did you reach 100K networth?

Probably 26-27
by KyleAAA
Fri Mar 28, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31180

Re: Thinking About a New Laptop

I like the Macbook Airs. The Pros are too expensive for what you get, but the Airs are a decent value. If you're not the type to constantly handle your laptop roughly you can probably save a lot of money getting identical specs with cheaper body materials somewhere else. Brushed metal looks nice, bu...
by KyleAAA
Fri Mar 28, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Thinking About a New Laptop
Replies: 45
Views: 2356

Re: Does anyone have an opinion on WealthFront?

You've got to be kidding me - what forum did I wander in to here. In other professions - specialized knowledge creates better results. Investment "pro's" do not. On average - the pro's do not beat the market and do not beat a diversified set of low cost index funds that are bought, held a...
by KyleAAA
Fri Mar 28, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does anyone have an opinion on WealthFront?
Replies: 41
Views: 2832

Re: Thinking About a New Laptop

If you're going to splurge on a sSD, you probably don't need 8gb of RAM. Lenovos are solid.
by KyleAAA
Thu Mar 27, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Thinking About a New Laptop
Replies: 45
Views: 2356

Re: Offering internet access to addition to our home

Almost certainly against their Terms of Service, although you aren't going to be prosecuted or anything.
by KyleAAA
Thu Mar 27, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Offering internet access to addition to our home
Replies: 11
Views: 777

Re: Should I take this new job?

Just move. The weather is pretty much a non-issue: you'll get used to it fast. Weather in the Bay Area isn't particularly great anyway. It's not like you're leaving San Diego or anything.
by KyleAAA
Thu Mar 27, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take this new job?
Replies: 15
Views: 1292

Re: Waze founder starting financial-planning company

You really, really should read the Terms of Use . A few tid-bits: ...(For such purpose the User shall provide FeeX with passwords, usernames, PINs, and other log-in information and should agree to additional terms and conditions specified under "OBTAINING DATA FROM THIRD PARTIES: "LINK AC...
by KyleAAA
Wed Mar 26, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Waze founder starting financial-planning company
Replies: 14
Views: 1412

Re: Waze founder starting financial-planning company

Hi Chan, Excellent point. I just am suspicious of "a free lunch" by a venture capitalist company, whose best interests are not aligned with the users of a "free" app, but investors in a company that most likely will fail unless they find a way to sell the data somehow. Vanguard ...
by KyleAAA
Tue Mar 25, 2014 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Waze founder starting financial-planning company
Replies: 14
Views: 1412

Re: Waze founder starting financial-planning company

Pretty cool app but they still have a lot of work to do. It only recognized my Roth IRA and not my SEP IRA or taxable account. It also couldn't find my 401k provider, although it gives you the option of entering your investments manually. It aggregates my average annual fees over the entire account ...
by KyleAAA
Tue Mar 25, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Waze founder starting financial-planning company
Replies: 14
Views: 1412

Re: Burton Malkiel, Wealthfront CIO

Rick is right. The value is in the technology platform. No way could Schwab or the vast majority of the other large brokerages build this platform for less than $100 million all-in. And even if they could, it wouldn't be worth 3 years of opportunity cost building it themselves all the while being ex...
by KyleAAA
Tue Mar 25, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel, Wealthfront CIO
Replies: 89
Views: 10974
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