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by KyleAAA
Fri May 22, 2015 7:11 pm
Forum: Investing - Theory, News & General
Topic: W. Buffett can earn 50% return, why don't you?
Replies: 31
Views: 3090

Re: W. Buffett can earn 50% return, why don't you?

Can he? I don't think he has lately, and having done it 30 or 40 years ago is completely different than being able to do it today.
by KyleAAA
Fri May 22, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3737

Re: Put money down on new car, dealer wants color change

... We had reached a price agreement for the new vehicle, and the money allowed them to finalize the search for the vehicle we requested. I've never heard of having to put down money for a dealer to search for the vehicle you want. Ask for your money back, unless you are willing to accept a differe...
by KyleAAA
Fri May 22, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3737

Re: Put money down on new car, dealer wants color change

... We had reached a price agreement for the new vehicle, and the money allowed them to finalize the search for the vehicle we requested. I've never heard of having to put down money for a dealer to search for the vehicle you want. Ask for your money back, unless you are willing to accept a differe...
by KyleAAA
Fri May 22, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3737

Re: Put money down on new car, dealer wants color change

If they can't get the car, they can't get the car. If it's important to you, you should ask for your money back and they should give it with a minimum of fuss if they are a reputable dealership. If you are okay with a color switch, you can try asking for a few hundred dollars off but the odds of suc...
by KyleAAA
Wed May 20, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. MB vs. BMW
Replies: 73
Views: 5538

Re: Lexus vs. MB vs. BMW

My take having never owned or driven any of them: the Lexus is likely to be far more reliable than either of the German cars, which would be the clincher for me. The BMW looks the best, and the MB probably has the nicest interior by a slim margin over the Lexus. BMW interiors are universally horribl...
by KyleAAA
Fri May 15, 2015 10:13 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 4976

Re: Why is Vanguard's Web Site So Bad?

Who knows. It's not a cost thing because they have plenty of resources already to build a great website. It's more likely a corporate will problem. But since the costs are so low, I'll deal with this minor inconvenience.
by KyleAAA
Mon May 11, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 29
Views: 1737

Re: Day trips from Berlin?

I spent a day in Potsdam when I was last in Berlin and it did not disappoint.
by KyleAAA
Mon May 11, 2015 1:50 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 6641

Re: International - Who really is at 40%

I'm 50% international.
by KyleAAA
Wed May 06, 2015 12:38 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

You keep saying you don't believe that there are much better deals given than Truecar's quotes, but we are showing you there are and it hasn't been difficult to do. It is worth noting that my truecar quote from 70 miles away rather than the 4 local Honda dealers in my area. I did not once say that....
by KyleAAA
Wed May 06, 2015 12:34 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

KyleAAA - Somebody else may want to say it, but respectfully I don't find your arguments very compelling. You seemed to imply that you had gone through the Truecar buying process and had gotten a good deal using this approach. But it looks like "a friend did" and you don't have any actual...
by KyleAAA
Wed May 06, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

You haven't completed the process either if you haven't actually gone to the dealer to see if they will honor their quote. Too many stories that you can find with a search about folks who did that and got the old bait and switch. The dealer quote means nothing unless it is *guaranteed. No, I have. ...
by KyleAAA
Wed May 06, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

You haven't completed the process either if you haven't actually gone to the dealer to see if they will honor their quote. Too many stories that you can find with a search about folks who did that and got the old bait and switch. The dealer quote means nothing unless it is *guaranteed. No, I have. ...
by KyleAAA
Tue May 05, 2015 3:43 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

You haven't completed the process either if you haven't actually gone to the dealer to see if they will honor their quote. Too many stories that you can find with a search about folks who did that and got the old bait and switch. The dealer quote means nothing unless it is *guaranteed. No, I have. ...
by KyleAAA
Tue May 05, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

KyleAAA: It appears pretty obvious that you are pro-Truecar and are finding convenient excuses to disagree. And that is fine. Before we proceed further on this discussion, I would want you to categorically state that you are not aligned - through business or job - with either Truecar or an auto dea...
by KyleAAA
Tue May 05, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

You haven't completed the process either if you haven't actually gone to the dealer to see if they will honor their quote. Too many stories that you can find with a search about folks who did that and got the old bait and switch. The dealer quote means nothing unless it is *guaranteed. No, I have.
by KyleAAA
Tue May 05, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

I used Truecar as another reference point when negotiating (late 2013), but never directly brought up the Truecar price. From what I read online, many supposed Truecar dealerships use it as a bait-and-switch where they will not honor it (don't have the exact car with the exact options and accessori...
by KyleAAA
Tue May 05, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

What the bleep are "financing incentives"? You seem to have sharpened your pencil a bit too much on this one. For example, when I bought my last car (which I didn't use Truecar for, btw) I could choose between $750 off or 0% interest. I chose the $750 off, but I can't then go and say I &q...
by KyleAAA
Tue May 05, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

Example: Truecar quotes $20,000 but you go into the dealership, get a $1,000 factory rebate and another $500 rebate for financing through Honda financing (or whomever) and end up paying only $18,500. You conclude you beat Truecar by $1,500. Well no you didn't, because you would have gotten that $1,...
by KyleAAA
Tue May 05, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

I used Truecar as another reference point when negotiating (late 2013), but never directly brought up the Truecar price. From what I read online, many supposed Truecar dealerships use it as a bait-and-switch where they will not honor it (don't have the exact car with the exact options and accessori...
by KyleAAA
Tue May 05, 2015 1:56 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

I'm in the market for a new car and has been researching prices. This post is correct, TrueCar was sued a couple years ago by the dealers and now their prices are bunk. In fact, car forums are reporting that if you walk into a dealership with a TrueCar printout, they'll be glad to sell you the car ...
by KyleAAA
Sun May 03, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

Exactly. Posters here who are claiming that truecar gives the cheapest price forget that by ADDING an unnecessary INTERMEDIARY can not reduce costs. It can't reduce costs for the dealer, no. But that is unrelated to whether or not it reduces costs for the end consumer. In fact, in its previous inca...
by KyleAAA
Sun May 03, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

In general, Truecar is very close to the best possible price in an average situation. This statement is absolutely NOT true, by a wide margin. I think Truecar is strictly worse (for the customer) than the best possible price in an average situation. Otherwise, this would be a losing proposition to ...
by KyleAAA
Sat May 02, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

In my one experience with TrueCar, I started with them to purchase a 2014 Honda Odyssey EX. The TrueCar price quoted was $3500 off sticker which I thought was pretty good. I received an email from one dealership immediately and went in the next day for a test drive. After the test drive, as we were...
by KyleAAA
Sat May 02, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

The numbers are quite accurate in most cases. You don't really need much data at all to get a very accurate picture of market prices most of the time. Truecar plugs directly into the dealer's CRM (a requirement of being a Truecar dealership) so they know exact details of all those transactions. Most...
by KyleAAA
Tue Apr 21, 2015 5:05 am
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 99
Views: 9905

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
Mon Apr 20, 2015 12:57 pm
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 99
Views: 9905

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
Thu Apr 16, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4638

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
Sat Apr 04, 2015 9:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 3490

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
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: 12452

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 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares vs Diversity? Beginner Question
Replies: 14
Views: 1358

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
Sun Mar 15, 2015 9:34 am
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5601

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 9:29 am
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5601

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
Sat Mar 14, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 3016

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
Fri Mar 13, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4257

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 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4257

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 9:20 am
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 3997

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 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4257

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
Thu Mar 12, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Time to buy up EUR?
Replies: 30
Views: 2571

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 12:49 pm
Forum: Investing - Theory, News & General
Topic: 100% Stocks Long Term Pro/Con
Replies: 51
Views: 3870

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 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4257

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
Wed Mar 11, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27798

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
Mon Mar 09, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Internet/Smartphone Usage in China? Security?
Replies: 7
Views: 546

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
Sat Mar 07, 2015 11:30 pm
Forum: Personal Consumer Issues
Topic: Typical Dealership Documentation Fee in MA??
Replies: 20
Views: 1087

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 2:52 pm
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 4369

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
Fri Mar 06, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3690

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 10:07 am
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 5168

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 Feb 27, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 3997

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 9:23 am
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 3997

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
Thu Feb 26, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 63
Views: 5297

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
Sat Feb 21, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1776

Re: Problems with Internet Explorer

IE hasn't been worth using since the 90s. You made the right choice.

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