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Re: Will Investment Returns Ever Revert to "Normal"?

However it was not. GDPPC (PPP) - US - UK - France 1820 - 1,257 - 1,706 - 1,135 1850 - 1,806 - 2,330 - 1,597 1900 - 4,015 - 4,492 - 2,876 Well, the UK and France would definitely have been considered emerging economies at the time, so why not the US? The start of the industrial revolution is almost...
by KyleAAA
Mon Sep 29, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4144

Re: Will Investment Returns Ever Revert to "Normal"?

However it was not. GDPPC (PPP) - US - UK - France 1820 - 1,257 - 1,706 - 1,135 1850 - 1,806 - 2,330 - 1,597 1900 - 4,015 - 4,492 - 2,876 Well, the UK and France would definitely have been considered emerging economies at the time, so why not the US? The start of the industrial revolution is almost...
by KyleAAA
Sun Sep 28, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4144

Re: Will Investment Returns Ever Revert to "Normal"?

However it was not. GDPPC (PPP) - US - UK - France 1820 - 1,257 - 1,706 - 1,135 1850 - 1,806 - 2,330 - 1,597 1900 - 4,015 - 4,492 - 2,876 Well, the UK and France would definitely have been considered emerging economies at the time, so why not the US? The start of the industrial revolution is almost...
by KyleAAA
Sun Sep 28, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4144

Re: Will Investment Returns Ever Revert to "Normal"?

I fully expect future investment returns to be normal, it's just that the last 100 years in the US was not normal. I would expect the next 100 years to look more like the last 100 in Great Britain Well I would be pretty happy with 5.2% real but I think correlating the US to the UK is crap shoot at ...
by KyleAAA
Sat Sep 27, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4144

Re: Will Investment Returns Ever Revert to "Normal"?

I fully expect future investment returns to be normal, it's just that the last 100 years in the US was not normal. I would expect the next 100 years to look more like the last 100 in Great Britain
by KyleAAA
Sat Sep 27, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4144

Re: "Shellshock" vulnerability for Linux based systems

If you aren't running any internet-facing applications on your device (i.e. apache or something similar) you aren't vulnerable. And if you ARE running internet-facing applications on your device that don't respond to pings (which includes the vast majority), you're technically vulnerable but nobody ...
by KyleAAA
Sat Sep 27, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: "Shellshock" vulnerability for Linux based systems
Replies: 61
Views: 2463

Re: Too many houses?

I think you're fine. Having 11% of your net worth in real estate isn't all that much. Just invest all that extra cache flow in stocks and bonds if you're worried about it.
by KyleAAA
Thu Sep 25, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3520

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

The fund has been a good one. You can throw so called factors (to explain the return differences) at him as much as you want, the manager still shows signs of outperformance ("alpha"). It is small (~0.2%/year) and statistically one cannot tell it apart from random outcome though ("no...
by KyleAAA
Wed Sep 24, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1491

Re: Acura RDX - test drove it again and it's about off my li

A good smart phone with Google Maps is better than almost any built-in navigation. I must admit it IS nice having it right there in the dash, though.
by KyleAAA
Wed Sep 24, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5235

Re: Stubbornly Non-Boglehead Husband. What To Do?

Maybe you can divide investable funds into a Boglehead portfolio (90% of assets) and a speculative portfolio (10% of assets). You control the Boglehead portfolio and he can control the speculative portfolio. Then you can challenge him. If he is so good, challenge him to catch-up to the Boglehead po...
by KyleAAA
Wed Sep 24, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7498

Re: S&P 500 guarantee without the annuity

Why not just hedge yourself? No company is going to be able to do it cheaper than you are.
by KyleAAA
Tue Sep 23, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 guarantee without the annuity
Replies: 21
Views: 1837

Re: The only risk of leverage is selling at the bottom

I don't think there is anything fundamentally wrong with leverage PROVIDED YOU DO IT RESPONSIBLY. If you want to leverage up to 1.3:1, I say go for it. Please post regular updates here! I've sometimes considered doing the same, but my laziness has kept me from pulling the trigger. That and the fact ...
by KyleAAA
Tue Sep 23, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: The only risk of leverage is selling at the bottom
Replies: 46
Views: 1516

Re: Touring Spain

The Costa Brava towns are nice. And if it's food you're after, be sure to check out Basque country.
by KyleAAA
Mon Sep 22, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Touring Spain
Replies: 13
Views: 838

Re: Sale of a home between boyfriend and girlfriend.

For those that hypothesize about what would happen if the value of the house dropped, that doesn't appear to be the case in this situation so why would we consider that scenario? Because the same principle should apply--if they would share alike in the loss then it makes sense to share alike in the...
by KyleAAA
Mon Sep 22, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5515

Re: Sale of a home between boyfriend and girlfriend.

Add up the total capital invested and apportion the gains that way. The guy clearly isn't a renter by any legal or moral standard and shouldn't be treated as such. He didn't knowingly and intentionally go in as a renter. He doesn't have a signed lease outlining his responsibilities as well as the l...
by KyleAAA
Mon Sep 22, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5515

Re: Sale of a home between boyfriend and girlfriend.

Add up the total capital invested and apportion the gains that way. The guy clearly isn't a renter by any legal or moral standard and shouldn't be treated as such. He didn't knowingly and intentionally go in as a renter. He doesn't have a signed lease outlining his responsibilities as well as the la...
by KyleAAA
Sun Sep 21, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5515

Re: Need help protecting assets (marriage)

You absolutely must see a lawyer about this. You're as likely to get wrong as right advice on here.
by KyleAAA
Sun Sep 21, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 46
Views: 4519

Re: Acura RDX - test drove it again and it's about off my li

It's just about preferences. I personally LOVE a firm suspension and I detest the disconnected feeling of many cars today. The RLX's firm suspension is not an accident, so in all likelihood it's just not the vehicle for you. As posters above have noted, this is a pretty common characteristic of Acur...
by KyleAAA
Fri Sep 19, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5235

Re: CalPERS Eliminates Hedge Fund Program

$300 billion in assets under management. Sold $4 billion worth of hedge funds (~1.3%). I don't think it's going to make a difference.
by KyleAAA
Wed Sep 17, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 2887

Re: Do you plan trips on your own or use a [travel agent]?

London is more expensive than NYC but the $300-500 range is totally doable while still staying in or near The City. At that price range, it should be pretty trivial to just book your own. Are there any hotel brands you particularly like? London has everything. I have never liked travel agents, perso...
by KyleAAA
Wed Sep 17, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1537

Re: Vanguard's Website - Bad, or just me?

I've been howling for a simple rebalancing tool for several years at least. I'm not optimistic it will happen anytime soon. The objections here about unintended tax consequences, etc, would be trivial to overcome, but still no tool. The website has always been pretty bad and probably always will be ...
by KyleAAA
Wed Sep 17, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2387

Re: Most cost effective means of protecting physical assets

Look, no minds are being changed today about guns. Whatever you believe about it, this thread isn't going to change anything. For me personally my opinion on guns was decided when I saw how the people from either side conducted themselves. And this thread won't change my opinion. Are you trying to ...
by KyleAAA
Wed Sep 17, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 3988

Re: What evidence would prove the Boglehead mentality wrong?

It's not impossible that the Boglehead way of investing would become unwise at some point in the future. I'm having trouble thinking of a single specific test, though. Perhaps technology/market realities/tax laws/etc could someday reach to the point where frictional costs become effectively zero, ne...
by KyleAAA
Tue Sep 16, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 109
Views: 7626

Re: Help with a large business decision

Soooo, could you split the difference and invest $250k in new equipment while banking the rest?

I'd probably just do it and not think too much about it.
by KyleAAA
Mon Sep 15, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 1399

Re: Why Invest in Bonds in your early 30s?

It may not even be true that stocks have higher expected returns than bonds going forward. It has been mostly true in the past, but the future may not look like the past.

That's the REAL reason to invest in bonds in your early 30s.
by KyleAAA
Mon Sep 15, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3565

Re: Wake up, Vanguard: It ain't 1976 anymore!

We should not have to import everything into our own spreadsheets in order to ask questions about and play with the data in our Vanguard accounts. It ain't 1976 anymore! Wait, why shouldn't you? Where would they get your data going back to the 70's from? They certainly aren't going to go to the eno...
by KyleAAA
Sun Sep 14, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7649

Re: Learning a NEW language - Foreign Service Inst

I've used both Rosetta Stone and FSI extensively. Duolingo is better than both, and it's free. It has its drawbacks, but it's surprisingly good for self-study.
by KyleAAA
Sun Sep 14, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 37
Views: 2462

Re: Wake up, Vanguard: It ain't 1976 anymore!

We should not have to import everything into our own spreadsheets in order to ask questions about and play with the data in our Vanguard accounts. It ain't 1976 anymore! Wait, why shouldn't you? Where would they get your data going back to the 70's from? They certainly aren't going to go to the eno...
by KyleAAA
Sat Sep 13, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7649

Re: Feeling smug until 10 year ROR from Vanguard

9.3% 10 year CAGR on retirement accounts for me. I shall continue feeling smug.
by KyleAAA
Sat Sep 13, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7649

Re: Is there a "catch" in this Xfinity offer ?

The catch is that you'd have to deal with Comcast customer service. Joke's on you! My latest complaint is that they recently started refusing to honor the automatic payment I had entered online (and that has worked perfectly for several years) and that the customer support reps SWEAR is set up prope...
by KyleAAA
Fri Sep 12, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Is there a "catch" in this Xfinity offer ?
Replies: 23
Views: 1608

Re: Question about ALLY logon

All systems have glitches. It comes with the territory. I would try not to be too unsettled by it.
by KyleAAA
Thu Sep 11, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about ALLY logon
Replies: 3
Views: 310

Re: Low Income Investor (Tax Concerns)

I appreciate everyone's help with this. I am definitely sold on starting with $5,500 in a Roth IRA. And another $5,500 next year to reach admiral shares. Now I'm just trying to decide between three options : 1) S&P 500 2) Life Strategy Growth Fund 3) Total Market Index Fund I have been doing so...
by KyleAAA
Thu Sep 11, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1864

Re: Why don't the LifeStrategy funds have Admiral Status??

Most likely they just use the extra proceeds to subsidize operating expenses on the individual funds (total guess). Even the investor shares are very low cost so it's hard to nitpick.
by KyleAAA
Thu Sep 11, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1346

Re: Is it safe to pay down rental property?

Are you REALLY barely breaking even after taxes? It seems like you should probably be coming out decently ahead. You have 50% equity and your mortgage rate isn't too bad. I'd be inclined to either keep it or refinance into a new 30 year loan, but that's because I would probably be looking to maximiz...
by KyleAAA
Thu Sep 11, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to pay down rental property?
Replies: 12
Views: 859

Re: Why COULDN'T we just retire on Social Security?

You can. Millions do. It's all about making the best trade-offs for your own situation. It's just that most people who earn decent money throughout their careers would have to cut back their standard of living by an unacceptable amount to do so.
by KyleAAA
Thu Sep 11, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6014

Re: Low Income Investor (Tax Concerns)

Thanks again, everyone. From what I have gathered in reading the replies, I need to a) consider starting with a Roth IRA right now, and 2) look at the S&P 500 vs. Total Stock Market index. I am pretty much sold now on starting with the Roth IRA, especially knowing that I can go up to Admiral Sh...
by KyleAAA
Thu Sep 11, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1864

Re: Low Income Investor (Tax Concerns)

Thanks for all of the advice. I've already learned a lot in just my first post here. Would it be better to put $5,500 in Roth IRA vs. $10,000 in admiral shares of the VFIAX fund? I wasn't sure if it would be worth getting the lower expense fee with admiral shares.. or the tax benefits of the IRA ri...
by KyleAAA
Thu Sep 11, 2014 12:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1864

Re: Salary Info double standard?

I just put down a reasonable number on the upper end of my range. You certainly aren't committing to anything when you do this and HR reps don't expect you to be. They just want to know if you're in the same ballpark. If you come in above their range, most of the time they'll still interview you if ...
by KyleAAA
Fri Sep 05, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4223

Re: New or Used Prius

For a high-MPG Honda/Toyota/etc, my experience is you're either better off buying new or something 4+ years old. You won't get enough of a discount on a 1 or 2 year old vehicle to be worth it. Have you test-driven the new Accord hybrid? Light-years better than the Prius IMO. More room and MUCH bette...
by KyleAAA
Fri Sep 05, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: New or Used Prius
Replies: 9
Views: 847

Re: My early 30's Ameriprise portfolio

This is not a very good portfolio and not very tax efficient. Why do they have you in balanced funds in taxable when you have plenty of tax-deferred space for bonds?
by KyleAAA
Wed Sep 03, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3404

Re: Next phase of minimizing taxes for high-income household

If you have a decent idea and the time to execute, starting a business is the best course of action. Low risk and low initial capital in the tech field. You can build a web app to handle tens of thousands of customers per day for $200-300 per month these days.
by KyleAAA
Sun Aug 31, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Next phase of minimizing taxes for high-income household
Replies: 33
Views: 3583

Re: Does your employer still offer pensions to new hires?

No. I would be surprised to find many non-government jobs that still offer DB pension plans to new employees. If you find any, they are likely to be in companies that have unionized blue-collar employees. I worked for Megacorp #1 until 2004 and had a DB pension. Around 2000 they switched new employ...
by KyleAAA
Sun Aug 31, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3832

Re: Best ETF's in taxable account?

Total stock market index funds are ideal for taxable accounts. Have you considered the total stock market index (VTI) and and total international stock market index (VXUS) ETFs?
by KyleAAA
Thu Aug 28, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Best ETF's in taxable account?
Replies: 6
Views: 329

Re: Your thoughts on farmland values

You must be referring specifically to Iowa farmland, because my farm in central Georgia hasn't shot up in value since 2005. It's done alright, but not spectacularly. At least cash rents have grown pretty steadily, though. It's done very well in the 60 years it's been in the family, though, which I g...
by KyleAAA
Thu Aug 28, 2014 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Your thoughts on farmland values
Replies: 29
Views: 2450

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

I probably wouldn't consider real estate until you sold your business. Focus on maximizing your earnings from that and put the proceeds is low-cost passive investments. Once you sell it or whatever your exit strategy is, then sure, invest a reasonable portion of your portfolio in real estate. It rea...
by KyleAAA
Thu Aug 28, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 41
Views: 5783

Re: How to safely sell a big ticket item online

Get a PayPal account. Takes 20 seconds.

Alternatively, tell them to meet you at the bank and have them inspect/deposit the cashier's check before you give them the trailer.
by KyleAAA
Wed Aug 27, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2548

Re: Do you tip on the tax?

Social conformity rides again! Do you guys understand the concept of freedom of choice and thought or is this just internet indignation and posturing? In my view, you are engaged in a scam. The server has a reasonable expectation that you will tip. The server's livelihood depends on you tipping. Yo...
by KyleAAA
Sat Aug 23, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5120

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

Of course, the Accord hybrid is a different beast from the gas-burning Accord. That said, I'm less than impressed with the reliability ratings that Consumer Reports is giving the Accord gas-burners (they don't rate the hybrid). By comparison, the Camry hybrid gets the highest reliability rating, an...
by KyleAAA
Sat Aug 23, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 4231

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: 52
Views: 4231
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