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Re: Here's another "where should I retire" thread

The mountains of western NC would be a good fit, at least for the lakehouse part. Plenty of lakes not too far from Asheville with large international airports within an hour or two depending on where exactly you are. Doesn't get to hot and muggy at altitude.
by KyleAAA
Thu Jul 24, 2014 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 48
Views: 1957

Re: Anyone been to Charleston, SC?

Definitely do a ghost tour. Fort Sumter is good if you're a history buff but pretty boring otherwise. Lots of shopping on King Street and the food, well, you won't starve. Plenty of cool bars all over the downtown area. The microbrews in the area are hit or miss, but you get that everywhere. But yea...
by KyleAAA
Wed Jul 23, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 21
Views: 844

Re: Reaching Severe Burnout - Can I Scale Back Career?

You have too much money. Scale back.
by KyleAAA
Wed Jul 23, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 33
Views: 2275

Re: A case against Index Funds in India

I don't really see any of these arguments as convincing enough to even need refutation. Indexing works. The data says it works. It doesn't even matter WHY it works. Let me put my sscritic hat on: Will indexing work if the indexes are modified every month? Every day? Every hour? Maybe, I don't know....
by KyleAAA
Wed Jul 23, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: A case against Index Funds in India
Replies: 32
Views: 1542

Re: A case against Index Funds in India

I don't really see any of these arguments as convincing enough to even need refutation. Indexing works. The data says it works. It doesn't even matter WHY it works. Let me put my sscritic hat on: Will indexing work if the indexes are modified every month? Every day? Every hour? Maybe, I don't know....
by KyleAAA
Wed Jul 23, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: A case against Index Funds in India
Replies: 32
Views: 1542

Re: A case against Index Funds in India

I don't really see any of these arguments as convincing enough to even need refutation. Indexing works. The data says it works. It doesn't even matter WHY it works.
by KyleAAA
Wed Jul 23, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: A case against Index Funds in India
Replies: 32
Views: 1542

Re: Front office vs Enterprise wide IT job

What do you mean by "IT solutions?" Keeping the printers running smoothly is going to be different than coding proprietary trading software.
by KyleAAA
Wed Jul 23, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Front office vs Enterprise wide IT job
Replies: 5
Views: 529

Re: Vanguard not vigilant about taxes?

As a general rule, Vanguard (index funds at least) tend to remain pretty neutral about company governance. A lot of people will argue this is bad for investors, but at least they are consistent. If they're remaining neutral in other matters, they should do it here instead.
by KyleAAA
Wed Jul 23, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard not vigilant about taxes?
Replies: 15
Views: 1371

Re: Asking for a raise

Well, you actually have more leverage than your employer because there are VERY specific laws determining what H1-Bs must be paid and how that pay is determined. If your job responsibilities change materially, they must, by law, file an H1-B amendment and reevaluate your salary accordingly. This is ...
by KyleAAA
Tue Jul 22, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise
Replies: 13
Views: 1098

Re: Have you used Ramit Sethi's Courses?

With regards to the comments about why doesn't he give it away for free? He does. Probably 95% of the content he creates he gives away for free. Some of them have a sales pitch at the end to get you to sign up for a course, but even so they provide real and valuable content even if you don't buy an...
by KyleAAA
Tue Jul 22, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 22
Views: 3159

Re: If you are a winner before fees, why not lower the ER?

What am I missing? The part about fleecing investors for all they're worth? Sure, they could lower their prices, but as long as people are willing to pay them, why should they? A firm which is talented enough to beat the market might well be talented enough to figure out a business model, including...
by KyleAAA
Tue Jul 22, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1131

Re: Buying in ok neighborhood vs good neighborhood

Is the OK neighborhood in the process of gentrifying? If so you'll probably have a lot more upside than buying into a "good" neighborhood. The purchase prices seem to be relatively close after renovations, so it may end up being a toss-up unless you think one neighborhood will experience h...
by KyleAAA
Tue Jul 22, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1643

Re: Have you used Ramit Sethi's Courses?

kayanco wrote:lol, getting rich by selling products on getting rich :p

Anyway, thanks all for the responses!


Well, he was already rich before he started doing that. He was cofounder of a successful company called PBWiki.
by KyleAAA
Tue Jul 22, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 22
Views: 3159

Re: American in need of Premier team to root for

Why not support your local MLS team? The league is expanding and the quality of soccer is improving. It's not at the EPL level, but it's closing the gap.
by KyleAAA
Mon Jul 21, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: American in need of Premier team to root for
Replies: 21
Views: 1018

Re: Have you used Ramit Sethi's Courses?

ClevrChico wrote:If he's an expert on getting rich, why is he selling products for others to get rich? Wouldn't he just give it away?


No. Selling products it's how you get rich.
by KyleAAA
Mon Jul 21, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 22
Views: 3159

Re: Buy a condo for college?

As a student, dorm life is far preferable for the first year or two. This bears mentioning, since a few posters have said the same thing--at the college we are looking at, freshmen dorm rooms are 2 people in a 13x13 room, and they share a bathroom with 2 other people in an identical room. Condos al...
by KyleAAA
Sun Jul 20, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2364

Re: Have you used Ramit Sethi's Courses?

I've heard good things but I've never bought any of them.

I find he's generally on point with whatever he's saying, though, even if he says it in the most obnoxious way possible.
by KyleAAA
Sun Jul 20, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 22
Views: 3159

Re: Buy a condo for college?

As a student, dorm life is far preferable for the first year or two. After that, having a condo would be nice.

I would also NEVER have lived with my brother in college.
by KyleAAA
Sat Jul 19, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2364

Re: Vanguard Target retirement vs S&P500 indexing

You say "I know target funds are less risky and more diversified but the S&P 500 has outperformed it." Well, Apple stock has dramatically out-performed the S&P 500 over that same period. Why not just buy Apple stock instead? Answer: risk and diversification are really freaking impo...
by KyleAAA
Sat Jul 19, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target retirement vs S&P500 indexing
Replies: 7
Views: 1582

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Anecdotal buy my mother owns an Acadia and has had plenty of problems. Nice ride, though.
by KyleAAA
Thu Jul 17, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 58
Views: 4468

Re: Where to park windfall

How about tbills directly at treasurydirect.gov? No need to diversify.
by KyleAAA
Wed Jul 16, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to park windfall
Replies: 9
Views: 1444

Re: Live URL links in seemingly genuine Vanguard emails?

My Vanguard emails have links in them. I expect the query string is for tracking or something similar. It's pretty standard practice for email campaigns.
by KyleAAA
Tue Jul 15, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Live URL links in seemingly genuine Vanguard emails?
Replies: 11
Views: 860

Re: Paperwhite for Cloudy-Day Reading

I use my Paperwhite in all conditions and I've never experienced eye-strain. MUCH better than a tablet for reading.
by KyleAAA
Tue Jul 15, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1818

Re: Any benefits of a low cost Vanguard Annuity?

According to Morningstar, the tax cost ratio of the Total Stock Market Index Fund Admiral Shares has been 0.37% per year for the last 10 years. 0.37% tax drag + 0.05% ER = 0.42% per year, which is less than the o.6% the annuity would cost you. Conclusion: you're better off paying taxes, at least for...
by KyleAAA
Tue Jul 15, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Any benefits of a low cost Vanguard Annuity?
Replies: 3
Views: 611

Re: Sell taxable account to pay down student loans?

I don't think I would pay down the loans but I probably WOULD sell those two stocks and invest in something more diversified instead.
by KyleAAA
Mon Jul 14, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell taxable account to pay down student loans?
Replies: 15
Views: 945

Re: Thoughts on 100% stock allocation for 33 year old

You were presumably investing and were 100% stocks in 2008. How did you react then? If you shrugged it off, I say go for it. I was 90% stocks in 2008 and I barely even noticed when I was down 50%. Consequently, I feel extremely confident I will react appropriately during the next crash. The silver l...
by KyleAAA
Sun Jul 13, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6132

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

There are very good relocation calculators that will give you a good idea of the general difference in COL. Since we don't know which town in the midwest you're coming from, we can't help. Moving from Minneapolis to NYC is probably quite different than moving from Kansas City to NYC.
by KyleAAA
Sun Jul 13, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2485

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

Your 401k is awesome. I know the difference in expense ratios between your portfolio and the LS fund is only in the 0.10% range, but I'd be loathe to give up the expense advantage if I had access to your fund options.
by KyleAAA
Sun Jul 13, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2206

Re: mom wants to "sell" me her condo for estate planning

How desirable is avoiding probate in this situation? Are there any real advantages? In my experience people tend to get irrationally fixated on things like that. If she's worried about medicare taking everything, fine, but even that doesn't seem worth the effort to me.
by KyleAAA
Sun Jul 13, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: mom wants to "sell" me her condo for estate planning
Replies: 23
Views: 2991

Re: Recent problems with Vanguard's website?

jebmke wrote:
KyleAAA wrote: 95% of weird things on screenshots sent in by customers end up being user error anyway.

I cut my computing teeth on IBM mainframes in the early 70s. Every single error dump/trace, almost without exception used to finish with the phrase "Probable User Error."


It happens!
by KyleAAA
Fri Jul 11, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1505

Re: Recent problems with Vanguard's website?

Actually, they came right out and said (er, wrote) that everything in our accounts WAS displaying correctly. They do have the ability to "see what the customer sees", although their "regular" displays (when one is speaking with customer semi-service) apparently are not the same ...
by KyleAAA
Fri Jul 11, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1505

Re: Recent problems with Vanguard's website?

I meant that Vanguard is claiming that *WE* do not have a problem. That we CAN "see" the properly updated linked information. That there is nothing they even need to look into, think about, whatever. Sending pdfs of the webpage or copies of screen saves doesn't work either. There quite si...
by KyleAAA
Fri Jul 11, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1505

Re: Engineer career change

ThatGuy wrote:Wikipedia can be edited by anyone, including sales engineers. That definition is decidedly lacking in my world view.


But ieee.org can't, and ieee.org says Software Engineering is an engineering discipline. And if anybody would know, it's the IEEE.
by KyleAAA
Fri Jul 11, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5394

Re: Engineer career change

Why not just get a software engineering job at an actual software company instead of a company that only writes software to support some other product? The difference is night and day. Unless you apply physics routinely in your job, you're not an engineer. The Institute of Electrical and Electronics...
by KyleAAA
Fri Jul 11, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5394

Re: Recent problems with Vanguard's website?

Sounds like they are doing maintenance and/or upgrades. Patience. Nope, one of the "error messages" (for several accounts) now shows that they couldn't update for more than 1,000 days. Another (at the same other institution) was apparently successfully updated about 2 months ago, a sudden...
by KyleAAA
Fri Jul 11, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1505

Re: Recent problems with Vanguard's website?

Sounds like they are doing maintenance and/or upgrades. Patience.
by KyleAAA
Fri Jul 11, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1505

Re: Full time vs IT contract

I'd say in this scenario, it isn't even close: the full-time position wins handily. The only exception is if you REALLY value those extra 2 weeks of vacation every year (which is reasonable). Your total compensation for the full-time position is ~ $147K per year including 401k match and profit shari...
by KyleAAA
Thu Jul 10, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Full time vs IT contract
Replies: 29
Views: 3435

Re: What finance experts do you follow on Twitter?

Large quantities of short, imprecise statesments delivered over an extended time period seems like the worst possible way to talk about finance. Or really most things worth talking about. Arab dictators agree: Twitter is pointless and its use should be discouraged. http://ictlogy.net/bibliography/r...
by KyleAAA
Wed Jul 09, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 35
Views: 4503

Re: Boglehead Beer

Right now my personal favorite is Lagunitas' Little Sumpin Sumpin. A great West Coast IPA. American Wheat. (Like Bell Oberon, or Three Floyds Gumball Head.) Huh, according to beer advocate you're right. The hop aroma was so strong I just assumed it was an IPA. I'll keep an eye out for Sumpin' Wild....
by KyleAAA
Wed Jul 09, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 46810

Re: Is it ever ok to tell your boss you have another offer?

If you're willing to leave, do it. If not, don't. Did you try negotiating the other offer or is that as high as they're willing to go?
by KyleAAA
Mon Jul 07, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2792

Re: Retirement age for software engineers

Just as an example, earlier in this thread you postulated that native apps are going away to be replaced by web apps. A perfectly reasonable hypothesis, but not supported by current data and at least theoretically possible to be completely wrong in the long run. I'm not arguing that your opinions a...
by KyleAAA
Mon Jul 07, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Retirement age for software engineers

Just as an example, earlier in this thread you postulated that native apps are going away to be replaced by web apps. A perfectly reasonable hypothesis, but not supported by current data and at least theoretically possible to be completely wrong in the long run. I'm not arguing that your opinions a...
by KyleAAA
Mon Jul 07, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Retirement age for software engineers

Python seems to be an east coast/academia thing. I really kind of like it how you wing it with your opinions, but where the heck does this one come from? There are a *ton* of web startups using the python stack all over the country. Very applied, not very academic. Nobody said there weren't a lot o...
by KyleAAA
Mon Jul 07, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Retirement age for software engineers

Sounds a lot like the Consumer Price Index. No one person spends that way, but, overall it gives a pretty good picture. The Tiobe metric doesn't contradict my personal experience, but I've been in the software business a very long time, in many more different areas than the typical programmer. Keep...
by KyleAAA
Mon Jul 07, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Retirement age for software engineers

Python seems to be an east coast/academia thing. I really kind of like it how you wing it with your opinions, but where the heck does this one come from? There are a *ton* of web startups using the python stack all over the country. Very applied, not very academic. Nobody said there weren't a lot o...
by KyleAAA
Mon Jul 07, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Retirement age for software engineers

http://blog.codeeval.com/codeevalblog/2014 More Python than Java and C# combined? And 10 times more Python than PHP? That certainly doesn't match any job market I have worked in or looked into. Do you live on the west coast? Python seems to be an east coast/academia thing. The west coast and midwes...
by KyleAAA
Sun Jul 06, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Retirement age for software engineers

C is an increasingly niche language and so is Java. At least where I live, Java isn't a niche language. There are slightly more Java jobs than C# jobs, and 5 times the amount of C jobs. I would love to be able to find a developer job that uses another JVM language like Groovy, Scala or Clojure. Or ...
by KyleAAA
Sun Jul 06, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Retirement age for software engineers

Please provide your metric. There's a lot of controversy about the Tiobe metric, but no one seems to have come up with anything better. What's worst than knowing something everyone else already knows is NOT knowing something everyone else already knows. Suppose your manager assigns you to convert a...
by KyleAAA
Sun Jul 06, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: Retirement age for software engineers

Unfortunately, the company you work for makes a big difference here. If you are using something like C++ or Java to write desktop apps, you'll probably never have occasion to learn the new web-based technologies, and that's a problem, because the web is the future. The only real solution is to get ...
by KyleAAA
Sun Jul 06, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9402

Re: favorite mid/low-priced Caribbean locale?

I wouldn't recommend Jamaica if your idea of a great vacation includes renting a car and exploring the island. We didn't feel safe there. If you plan to just lie on the beach in front of your resort, you'll be fine. Lots of good answers on this thread, but I have to disagree here. Earlier this year...
by KyleAAA
Fri Jul 04, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 3257
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