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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: 61
Views: 3379

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: 33
Views: 2084

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: 29
Views: 3045

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: 2842

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: 1512

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: 2315

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: 3955

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: 103
Views: 6795

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: 1394

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: 3530

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: 78
Views: 7204

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: 2440

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: 78
Views: 7204

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: 78
Views: 7204

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: 1595

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: 1856

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: 1342

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: 857

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: 5994

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: 1856

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: 1856

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: 4202

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: 843

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: 3388

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: 3555

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: 3822

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: 326

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: 2449

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: 5770

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: 2536

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: 5078

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: 4182

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: 4182

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

In this case, the 2014 Accord hybrid is actually superior to the non-hybrid performance wise. So you aren't paying a hybrid premium, you're paying a performance premium. The non-hybrid just can't compete and I think we'll see more and more of that over the next few years.
by KyleAAA
Fri Aug 22, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 4182

Re: Do you tip on the tax?

I object to the traditional "tipping" system / labor scam / extortion and do not usually leave any tip. If my wife is with me, she leaves whatever she pleases as a tip and she is generally a pretty soft touch. Do you tell your server this before you are served or after? IMO if you don't t...
by KyleAAA
Fri Aug 22, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5078

Re: Do you tip on the tax?

Why tip differently? I tip on quality of service and the number of people, not the cost of the food. Tipping is a custom and doesn't have to make sense. Their wages by the employer are set based on them earning a percentage of the cost and the IRS taxes them that way, too. Doesn't matter how much w...
by KyleAAA
Fri Aug 22, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5078

Re: Do the mega wealthy need life insurance?

Using life insurance proceeds to pay estate tax must be pretty common because it comes up all the time. Of course, one would need to plan ahead and buy the insurance in their 40s or perhaps 50s for it to work. Wait until 70 and it will probably be too expensive to be worth it.
by KyleAAA
Wed Aug 20, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Do the mega wealthy need life insurance?
Replies: 32
Views: 2572

Re: US REITs already have international exposure

You can make that argument, but I don't think it's a very convincing argument because while they may do business in foreign countries, that doesn't mean it shares the same geopolitical risk/reward profile as a REIT BASED in a foreign country. China is a prime example of a nation where a foreign comp...
by KyleAAA
Tue Aug 19, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: US REITs already have international exposure
Replies: 14
Views: 1254

Re: Portfolio Review - Recent Grad and BogleHead

I am certain I can do it and will do it when that situation arises. I have not experienced an economic downturn but I know myself and I know that I can stick to my plan. I am extremely calculated in my decisions and do not let emotions drive me. I understand your hesitance as you don't know me and ...
by KyleAAA
Tue Aug 19, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 27
Views: 2914

Re: Portfolio Review - Recent Grad and BogleHead

My risk tolerance is very high and I have the discipline to ride through any storm. Would you recommend age-10? Less? More? I do age - 20 in bonds, personally. I didn't have any trouble staying the course in 2008 but I know many who did. It's up to you, just don't lie to yourself about your risk to...
by KyleAAA
Tue Aug 19, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 27
Views: 2914

Re: Mac Airbook

The Air is nice but I actually prefer the Pro. The Air is TOO small for my tastes. Quality materials and seems solidly made. BEAUTIFUL screen. Crashes occasionally but really no more often than a Windows PC would. The main problem I've had on my Macs is that they seem trained to only play nicely wit...
by KyleAAA
Thu Aug 14, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3228

Re: Strategic Default

I think it makes sense whenever you get to the point where you can better deploy your capital after accounting for the hit to your credit, whether it's a recourse/non-recourse loan, etc. In other words, when it's a slam dunk. I probably wouldn't risk it if it would take, say, 15 years to reasonably ...
by KyleAAA
Thu Aug 14, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3247

Re: Portfolio Review - Recent Grad and BogleHead

The advice you're getting above is excellent. If I were you, I'd stop paying down the student loans and invest all that extra cash instead. Contribute to your 401 up to the employer match (probably traditional and not Roth), max out a Roth IRA, and then pump more into the 401k. Your student loan rat...
by KyleAAA
Tue Aug 12, 2014 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 27
Views: 2914

Re: Two factor identification and your password safe

Yes, you absolutely need 2 factor authentication. For starters, 2FA protects you in cases where your password has already been compromised somehow. The problem with a unique 2nd factor each time (I believe Google sends this to a phone) is I don't have a phone that can receive a text but I think the...
by KyleAAA
Mon Aug 11, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2062

Re: Two factor identification and your password safe

Yes, you absolutely need 2 factor authentication. For starters, 2FA protects you in cases where your password has already been compromised somehow. The problem with a unique 2nd factor each time (I believe Google sends this to a phone) is I don't have a phone that can receive a text but I think they...
by KyleAAA
Sun Aug 10, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2062

Re: More on Computer Security

Using bot nets and hacked brokerage accounts in pump and dump schemes used to be not uncommon as recently as 2010/2011. Don't know how prevalent it is these days. I think probably more sophisticated techniques are being used now. There are much easier and less risky ways for a hacker to make money o...
by KyleAAA
Sun Aug 10, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1627

Re: Dave Ramsey still defending 12% and still angry at "nerd

Ivygirl wrote:Yeah, the 12% is exaggerated... but by then, you know that.


Go look at the Dave Ramsey investing forums. Almost none of them know that. There are almost daily posts for help finding "12% funds" and people showing them how to find them.
by KyleAAA
Sat Aug 09, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22785

Re: Tell Vanguard they need 2 factor authentication

I disagree with your assessment. The amount of money that it takes to create, implement, maintain a new security system is massive. And when you throw in the costs of servicing it when MANY clients will inevitably have trouble with it, there's NO WAY it saves on costs. When you say "massive,&q...
by KyleAAA
Sat Aug 09, 2014 12:38 am
 
Forum: Personal Consumer Issues
Topic: Tell Vanguard they need 2 factor authentication
Replies: 52
Views: 2442

Re: Public not saving for retirement

In most cases, I'm pretty sure lack of financial knowledge isn't the problem. Even the vast majority of people who invest poorly end up doing okay in the end. The real problem is that so many people just don't have any money left over to save. The financial literacy movement has been, I think, mostl...
by KyleAAA
Fri Aug 08, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Public not saving for retirement
Replies: 24
Views: 3578
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