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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: 9
Views: 548

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: 15
Views: 2649

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: 1068

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: 1467

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: 15
Views: 2649

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: 974

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: 15
Views: 2649

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: 2351

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: 15
Views: 2649

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: 2351

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: 1562

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: 57
Views: 4308

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: 1443

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: 856

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: 1815

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: 940

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: 6117

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: 2483

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: 2990

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: 1504

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: 1504

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: 1504

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: 5389

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: 5389

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: 1504

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: 1504

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: 3427

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: 4472

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: 46696

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: 2790

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: 9330

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: 9330

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: 9330

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: 9330

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: 9330

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: 9330

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: 9330

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: 9330

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: 9330

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: 3242

Re: Alpo risk in retirement: Overblown?

Even in the golden age of pensions, most workers still didn't have one. So yes, the Alpo analogy is DRAMATICALLY overblown.
by KyleAAA
Thu Jul 03, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Alpo risk in retirement: Overblown?
Replies: 41
Views: 2336

Re: How to admit/should I admit alcohol problem to employer

I have a friend who went on FMLA leave for a drug problem and it wasn't an issue with their employer at all. In fact, I don't even know if the employer was told the exact reason for the leave (or maybe they were, I don't know). Do your homework first, but I think you would be quite safe going that r...
by KyleAAA
Wed Jul 02, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10190

Re: Anyone use Wells Fargo Bank?

I have a Wells Fargo checking account and it's just fine for what it is. No fees so long as you meet the very reasonable minimum balance/monthly EFT requirements. The Wachovia acquisition greatly expanded their branch network and you can now find a branch pretty much anywhere except New England. No ...
by KyleAAA
Tue Jul 01, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 7561

Re: The IPO is dying - Marc Andreessen

Well, as a venture capitalist, Marc is a part owner of those "private" businesses. Although he said he does not need to, he could push them to go public sooner, couldn't he? If he wants the public to be able to invest in these firms sooner in their growth cycle, then what's stopping him f...
by KyleAAA
Mon Jun 30, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: The IPO is dying - Marc Andreessen
Replies: 16
Views: 1391

Re: Kindle - Which one to buy?

Another vote for the wifi Paperwhite. I've had it for about 8 months and have really enjoyed it. It has performed as advertised. My positive experience has been similar to the earlier posts and the cost isn't bad either. How satisfied are you with its capacity to surf the web? what about the speed?...
by KyleAAA
Sun Jun 29, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2012

Re: Kindle - Which one to buy?

I love my Kindle Paperwhite. It's small, light, I can read it in the sun, and the backlit screen makes it easy to read at night without having to turn on the lamp. I had a Kindle 2 before that.
by KyleAAA
Sun Jun 29, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2012

Re: "Being Done" Saving: White Coat Investor blog post

I think a hybrid approach is most prudent. I currently save about 35% of my pre-tax income. When I hit a level where I think I'm "done," I might cut that back to 10-15%, which is still more than most people save. That way I'm still saving a reasonable about of money just in case my assumpt...
by KyleAAA
Fri Jun 27, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 7525

Re: favorite mid/low-priced Caribbean locale?

Dominican Republic is usually a pretty good value and Jamaica is awesome. I LOVE Puerto Rico, but it really isn't any cheaper than Atlanta unless you get well outside of San Juan. Being able to use your phone with 4g data is a huge plus, though.
by KyleAAA
Fri Jun 27, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 3242
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