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Re: “Entry level” luxury cars under 40k

I do find it interesting that many Bogleheads will scrimp and save .10%, .25% or .50% on an Expense Ratio and would never pay an advisor 1% but are OK with a lifetime of car payments or mortgage payments. I realize the amounts are smaller and you don't have the compounding. But if you invested that...
by KyleAAA
Tue Apr 21, 2015 5:05 am
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 93
Views: 7865

Re: “Entry level” luxury cars under 40k

In general I think you're far better off going with the highest trim of a non-luxury car than a low-end luxury car. A high-trim Mazda will be nicer than a low-end BMW, will be more fun to drive, and you'll get much better reliability and lower maintenance costs to boot.
by KyleAAA
Mon Apr 20, 2015 12:57 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 93
Views: 7865

Re: Is 2007 Accord 60K mile service worth $300?

You can probably get the same thing done for less than half that from an independent shop.
by KyleAAA
Thu Apr 16, 2015 10:43 am
 
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4390

Re: Vanguard advice to increase international bonds and stoc

This is the part that bothers me: Why are we making these changes? We believe that increasing the international diversification of your portfolio is in your best interest because it will help lower your volatility and risk over the long term. Research has shown that non-U.S. stocks have diversified...
by KyleAAA
Sat Apr 04, 2015 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 3356

Re: Wise move to move some $ to cash before bear market?

Sure, a bear market is coming sometime in the future but the market could triple before that happens. If you're uncomfortable with the prospect of losing 20-30% of your portfolio, you're investing beyond your risk tolerance.
by KyleAAA
Thu Mar 26, 2015 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 11846

Re: Admiral Shares vs Diversity? Beginner Question

The cost savings are inconsequential at that level of assets, so just flip a coin and go with it. I chose to diversify when I was in your situation.
by KyleAAA
Thu Mar 26, 2015 7:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares vs Diversity? Beginner Question
Replies: 14
Views: 1313

Re: Improving the Lifestrategy Funds

If only could do muni bonds for taxable accounts. Hi LA: This request comes up frequently. The reason that Vanguard has only one balanced fund that includes muni bonds (the tax-managed balanced fund) is that regulations require that a mutual fund hold at least 50% of fund assets in muni securities ...
by KyleAAA
Sun Mar 15, 2015 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5440

Re: Improving the Lifestrategy Funds

I'm a tilter so yeah, I would prefer if they had some REITs and Small cap value. If they did, I would probably just buy them instead of rolling my own even though the expense ratios are a bit higher. That said, it kinda defeats the purpose of having a general-purpose all-in-one fund. Now, if they ke...
by KyleAAA
Sun Mar 15, 2015 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5440

Re: Should tilters recommend tilting to beginners?

I would say yes. Some people intuitively get and like the idea of tilting and others don't. If they don't seem to like the idea, drop it.
by KyleAAA
Sat Mar 14, 2015 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 2908

Re: Stock Market going south what's next?

I'm genuinely confused. First you say you're not claiming that the market has perfect information about what will be in the BLS report, and now you're claiming that the BLS report is always perfectly equivalent to preexisting data sources. Huh? No I'm not. I'm just saying the data is out there, the...
by KyleAAA
Fri Mar 13, 2015 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4156

Re: Stock Market going south what's next?

The belief seems to be that the market is in the dark about employment figures until the BLS report comes out and then dramatically reacts accordingly when the "truth" is known, which is simply not true. Why does that seem dubious to you? The existence of myriad private companies out ther...
by KyleAAA
Fri Mar 13, 2015 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4156

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

I had my vehicle inspected with Beepi. They offered me a very good price and I accepted. They have now have put up the vehicle for sale with a very thin profit margin. I will report back if it sells or if Beepi follows through and purchase my car after 30 days. Did you get a quote from a place like...
by KyleAAA
Fri Mar 13, 2015 9:20 am
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 3837

Re: Stock Market going south what's next?

Well, the problem with that statement attributing stock market movements to the job numbers is that a LOT of people already knew what the job picture was going to look like long before the report came out. This stuff is tracked real-time by plenty of public sources having nothing to do with the gov...
by KyleAAA
Fri Mar 13, 2015 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4156

Re: Time to buy up EUR?

The forex market is even more difficult to time than the stock market. Obviously, this is not a wise investment.
by KyleAAA
Thu Mar 12, 2015 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to buy up EUR?
Replies: 30
Views: 2505

Re: 100% Stocks Long Term Pro/Con

The common assertion that stocks ALWAYS have higher expected returns than bonds is just false because it implies stocks are ALWAYS riskier than bonds, which isn't the case: stocks are ALMOST always riskier than bonds. Starting with that as the premise, the usual 100% stocks arguments fall apart pret...
by KyleAAA
Thu Mar 12, 2015 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stocks Long Term Pro/Con
Replies: 51
Views: 3737

Re: Stock Market going south what's next?

I'm mostly a lurker/newbie around here, but it seems silly to pretend that there's not something happening in the markets when there obviously is. New job numbers came out on Friday, as they do every month. The numbers were somewhat stronger (than the markets expected), which fueled speculation tha...
by KyleAAA
Thu Mar 12, 2015 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4156

Re: Will you buy an Apple Watch?

Maybe if it had a decent heart rate monitor, but still probably not since Polar seems to have the exercise watch market cornered. I love my Polar, though, so if it could beat that at a lower price, I'd probably buy one. As far as the "smart watch" thing goes, I can see why a lot of people ...
by KyleAAA
Wed Mar 11, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 355
Views: 22186

Re: Internet/Smartphone Usage in China? Security?

I used my company's VPN when I was there. You should have no expectation of privacy if you aren't using a VPN over there. Of course, it's the same here, so...
by KyleAAA
Mon Mar 09, 2015 10:26 am
 
Forum: Personal Consumer Issues
Topic: Internet/Smartphone Usage in China? Security?
Replies: 7
Views: 512

Re: Typical Dealership Documentation Fee in MA??

Ignore all the fees and just negotiate on the out-the-door price. If they want to sell the car for $1 and charge you a $19,999 documentation fee, it's no concern of yours. All you care about is the total, not the line items. New car sales in general is a very low-profit business, so dealers have got...
by KyleAAA
Sat Mar 07, 2015 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Typical Dealership Documentation Fee in MA??
Replies: 20
Views: 1056

Re: Honda fit vs VW GTI

The Fit is solid. In the higher trim levels, it has a pretty decent interior for such an inexpensive sub-compact. The GTI is popular for a reason, though.
by KyleAAA
Sat Mar 07, 2015 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 4160

Re: How do you decide when to buy car?

For me, it's when maintenance becomes an annoyance (i.e. the cost of repairs isn't the main factor). Since I currently own a Toyota, I'm 11 years in and still going strong. I think 10-12 years is probably near the sweet spot, though.
by KyleAAA
Fri Mar 06, 2015 12:51 pm
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3561

Re: Mac reliability?

Here is something I have noticed over time: I have yet to meet one person who switched to Apple from Windows, move back to Windows. Best. I have switched back and forth repeatedly, but that's in general a false dichotomy. Most people don't "switch" from one to the other but instead use bo...
by KyleAAA
Fri Mar 06, 2015 10:07 am
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 4936

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: 32
Views: 3837

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: 32
Views: 3837

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: 5085

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: 1688

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: 2212

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: 2034

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: 10169

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: 767

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: 5085

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: 5085

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: 616

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: 5051

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: 7862

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: 2024

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: 5106

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: 4242

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: 5106

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: 5106

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: 3073

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: 1559

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: 210

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: 89
Views: 4936

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: 89
Views: 4936

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: 2856

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: 1969

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: 1969

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: 2238

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: 13218
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