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Re: A Little Common Core Math problem

I don't think I knew algebra in 4th grade so I'm not sure how I would have solved it back then. I don't think I would have written an equation, though. Come to think of it, I don't know if I would have been able to solve it at all back then.
by KyleAAA
Thu Oct 30, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2238

Re: A Challenge for Bogleheads - the market has changed

The market has had 15 year periods where it went nowhere plenty of times in the past. Nothing has changed.
by KyleAAA
Wed Oct 29, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 44
Views: 3930

Re: Tilted to SV by mistake, should I TLH out of it?

Is most of your portfolio in a 401k/IRA or other tax-advantaged account? If so, you sound like a perfect candidate for one of the Lifestrategy funds. The expenses are slightly higher but at least you wouldn't be exposed to the movements of the individual parts of your portfolio. You'd only see the r...
by KyleAAA
Tue Oct 28, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Tilted to SV by mistake, should I TLH out of it?
Replies: 37
Views: 1655

Re: Mr. Market turns on Amazon

Amazon's margins are actually quite good, but earnings tend to be very low because they reinvest an insane amount back into the business (hence sales growing rapidly). One of these days the market is betting Amazon will stop reinvesting so heavily and will reap massive profits. Knowing Bezos' perso...
by KyleAAA
Mon Oct 27, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4419

Re: Mr. Market turns on Amazon

Amazon's margins are actually quite good, but earnings tend to be very low because they reinvest an insane amount back into the business (hence sales growing rapidly). One of these days the market is betting Amazon will stop reinvesting so heavily and will reap massive profits. Knowing Bezos' person...
by KyleAAA
Mon Oct 27, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4419

Re: Active bond funds better than indexes? Pimco thinks so

What does the data say? I'm not at all interested in logical arguments about why active investing does or doesn't work in certain situations. That's a meaningless debate.
by KyleAAA
Fri Oct 24, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Active bond funds better than indexes? Pimco thinks so
Replies: 36
Views: 2463

Re: Investment Blogger - Do I need to be a registered advise

Suppose you blog and are not a registered advisor. What are some things to be aware of to stay out of trouble? For example, if you make a bullish call on stock XYZ, does that mean you should not sell stock XYZ soon after? Are you required to disclose your holdings in XYZ in the post making the bull...
by KyleAAA
Wed Oct 22, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Investment Blogger - Do I need to be a registered adviser?
Replies: 6
Views: 660

Re: Investment Blogger - Do I need to be a registered advise

Nope. There are thousands of investment bloggers out there and being an RIA is actually a hindrance in most cases (everything has to go through compliance and apparently it's a huge pain and certain topics are entirely off-limits).
by KyleAAA
Wed Oct 22, 2014 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Investment Blogger - Do I need to be a registered adviser?
Replies: 6
Views: 660

Re: You may be getting charged rent for a router/modem you o

Same thing happened to me with comcast.
by KyleAAA
Tue Oct 21, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3499

Re: "I've had it" at work - how often

never - 32, 3 years at current employer, 12+ in industry overall, major .com/software development industry

At a previous job, it was perhaps 3 or 4 times per year. The employer makes all the difference.
by KyleAAA
Sat Oct 18, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12469

Re: Are Vanguard's target-retirement funds too aggressive?

I think they're just about right. Just a TAD more aggressive than the 120-age in stocks rule-of-thumb would suggest on some parts of the glide path, but mostly right-on.
by KyleAAA
Fri Oct 17, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1730

Re: New car and how to handle my father's trade in

Carmax is perfect for selling an old vehicle like that. You'll be in and out in less than an hour and it's unlikely the dealer will be able to beat Carmax on a car that old, anyway.
by KyleAAA
Mon Oct 06, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: New car and how to handle my father's trade in
Replies: 25
Views: 1796

Re: How to get a product in a national retail chain

Why would the cheapness make the product poor for online sales? If it has value, people will pay the shipping. Being easy to copy is bad no matter where you sell it. You could probably get higher margins online. Instead of trying to hit singles in the minor leagues and spending years trying to work...
by KyleAAA
Sat Oct 04, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get a product in a national retail chain
Replies: 9
Views: 803

Re: What about this 50/50 allocation?

50/50 with a moderate value tilt sounds like a great retirement portfolio. I would personally be nervous JUST owning Wellesley so I think your move is a smart one.
by KyleAAA
Sat Oct 04, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What about this 50/50 allocation?
Replies: 5
Views: 446

Re: Voluntarily Declining Pay Raise

I'd take the raise and then find another job, using your now-higher pay as a bargaining chip. The problem here doesn't appear to be Don at all but rather a systemic issue causing women to be paid less than their male counterparts (allegedly).
by KyleAAA
Sat Oct 04, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voluntarily Declining Pay Raise
Replies: 43
Views: 4126

Re: Buffett Has 100% Equities in his Pensions Funds

Yet another investor (much smarter than the usual investor) who says it's ok to be 100% stocks. Who'd've thunk it? Not everyone has the risk tolerance of Warren. Who'd've thunk it? Right, which is why it's not right for some people but perfectly fine for others. Yet some on these boards will argue ...
by KyleAAA
Sat Oct 04, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett Has 100% Equities in his Pensions Funds
Replies: 39
Views: 2715

Re: How to get a product in a national retail chain

Why would the cheapness make the product poor for online sales? If it has value, people will pay the shipping. Being easy to copy is bad no matter where you sell it. You could probably get higher margins online.
by KyleAAA
Sat Oct 04, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get a product in a national retail chain
Replies: 9
Views: 803

Re: Is there an "upper limit" on Boglehead theory?

Estate and tax issues may suggest some additional considerations. I think the "risk" is more that those clients would feel that they need more "sophisticated" investments and advice e.g. hedge funds, timber investments etc. They may also face peer pressure with similar high weal...
by KyleAAA
Fri Oct 03, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Is there an "upper limit" on Boglehead theory?
Replies: 58
Views: 4177

Re: Is there an "upper limit" on Boglehead theory?

Plenty of institutions with billions under management invest primarily in index funds. So no, I don't think there's an upper limit.
by KyleAAA
Thu Oct 02, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Is there an "upper limit" on Boglehead theory?
Replies: 58
Views: 4177

Re: Vanguard website almost nonresponsive?

Not unusual at all. All websites have performance problems occasionally.
by KyleAAA
Wed Oct 01, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard website almost nonresponsive?
Replies: 11
Views: 585

Re: Where to start work as an engineering major?

Your friends sound like they're only 23 or 24 years old, is that correct? If so, they really don't have any idea what they're talking about. I wouldn't really listen to them too much at this point. Go give the engineering thing a try or at the very least talk with somebody who's been in the field fo...
by KyleAAA
Wed Oct 01, 2014 8:44 am
 
Forum: Personal Consumer Issues
Topic: Where to start work as an engineering major?
Replies: 32
Views: 2815

Re: Will Investment Returns Ever Revert to "Normal"?

However it was not. GDPPC (PPP) - US - UK - France 1820 - 1,257 - 1,706 - 1,135 1850 - 1,806 - 2,330 - 1,597 1900 - 4,015 - 4,492 - 2,876 Well, the UK and France would definitely have been considered emerging economies at the time, so why not the US? The start of the industrial revolution is almost...
by KyleAAA
Mon Sep 29, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4491

Re: Will Investment Returns Ever Revert to "Normal"?

However it was not. GDPPC (PPP) - US - UK - France 1820 - 1,257 - 1,706 - 1,135 1850 - 1,806 - 2,330 - 1,597 1900 - 4,015 - 4,492 - 2,876 Well, the UK and France would definitely have been considered emerging economies at the time, so why not the US? The start of the industrial revolution is almost...
by KyleAAA
Sun Sep 28, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4491

Re: Will Investment Returns Ever Revert to "Normal"?

However it was not. GDPPC (PPP) - US - UK - France 1820 - 1,257 - 1,706 - 1,135 1850 - 1,806 - 2,330 - 1,597 1900 - 4,015 - 4,492 - 2,876 Well, the UK and France would definitely have been considered emerging economies at the time, so why not the US? The start of the industrial revolution is almost...
by KyleAAA
Sun Sep 28, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4491

Re: Will Investment Returns Ever Revert to "Normal"?

I fully expect future investment returns to be normal, it's just that the last 100 years in the US was not normal. I would expect the next 100 years to look more like the last 100 in Great Britain Well I would be pretty happy with 5.2% real but I think correlating the US to the UK is crap shoot at ...
by KyleAAA
Sat Sep 27, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4491

Re: Will Investment Returns Ever Revert to "Normal"?

I fully expect future investment returns to be normal, it's just that the last 100 years in the US was not normal. I would expect the next 100 years to look more like the last 100 in Great Britain
by KyleAAA
Sat Sep 27, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4491

Re: "Shellshock" vulnerability for Linux based systems

If you aren't running any internet-facing applications on your device (i.e. apache or something similar) you aren't vulnerable. And if you ARE running internet-facing applications on your device that don't respond to pings (which includes the vast majority), you're technically vulnerable but nobody ...
by KyleAAA
Sat Sep 27, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: "Shellshock" vulnerability for Linux based systems
Replies: 62
Views: 3104

Re: Too many houses?

I think you're fine. Having 11% of your net worth in real estate isn't all that much. Just invest all that extra cache flow in stocks and bonds if you're worried about it.
by KyleAAA
Thu Sep 25, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3733

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

The fund has been a good one. You can throw so called factors (to explain the return differences) at him as much as you want, the manager still shows signs of outperformance ("alpha"). It is small (~0.2%/year) and statistically one cannot tell it apart from random outcome though ("no...
by KyleAAA
Wed Sep 24, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1537

Re: Acura RDX - test drove it again and it's about off my li

A good smart phone with Google Maps is better than almost any built-in navigation. I must admit it IS nice having it right there in the dash, though.
by KyleAAA
Wed Sep 24, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5518

Re: Stubbornly Non-Boglehead Husband. What To Do?

Maybe you can divide investable funds into a Boglehead portfolio (90% of assets) and a speculative portfolio (10% of assets). You control the Boglehead portfolio and he can control the speculative portfolio. Then you can challenge him. If he is so good, challenge him to catch-up to the Boglehead po...
by KyleAAA
Wed Sep 24, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7872

Re: S&P 500 guarantee without the annuity

Why not just hedge yourself? No company is going to be able to do it cheaper than you are.
by KyleAAA
Tue Sep 23, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 guarantee without the annuity
Replies: 21
Views: 1892

Re: The only risk of leverage is selling at the bottom

I don't think there is anything fundamentally wrong with leverage PROVIDED YOU DO IT RESPONSIBLY. If you want to leverage up to 1.3:1, I say go for it. Please post regular updates here! I've sometimes considered doing the same, but my laziness has kept me from pulling the trigger. That and the fact ...
by KyleAAA
Tue Sep 23, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: The only risk of leverage is selling at the bottom
Replies: 46
Views: 1574

Re: Touring Spain

The Costa Brava towns are nice. And if it's food you're after, be sure to check out Basque country.
by KyleAAA
Mon Sep 22, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Touring Spain
Replies: 13
Views: 857

Re: Sale of a home between boyfriend and girlfriend.

For those that hypothesize about what would happen if the value of the house dropped, that doesn't appear to be the case in this situation so why would we consider that scenario? Because the same principle should apply--if they would share alike in the loss then it makes sense to share alike in the...
by KyleAAA
Mon Sep 22, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5746

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 l...
by KyleAAA
Mon Sep 22, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5746

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: 79
Views: 5746

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: 46
Views: 4608

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: 58
Views: 5518

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: 2964

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: 1574

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: 2440

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: 56
Views: 5029

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: 212
Views: 15623

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: 1418

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: 3661

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: 81
Views: 7783

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: 2495

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: 81
Views: 7783
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