Search found 5741 matches

by KyleAAA
Fri Apr 29, 2016 9:34 pm
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 8
Views: 600

Re: A Vanguard Target fund deconstructed - pros/cons?

I have 50% of my equities in international funds. 40% isn't considered particularly high by modern standards. The default position would probably be to stick to the global market weight, which is I believe around 55-60% international. No international bonds, though: I wouldn't bother investing less ...
by KyleAAA
Tue Apr 26, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Help Buying First Car
Replies: 28
Views: 1084

Re: Help Buying First Car

You should have pre-arranged financing before you go to the dealership, but let the salesman think you are probably going to finance through them. The reason for this is that because dealerships get a nice bonus for arranging financing, they are usually willing to lower the price a bit if they think...
by KyleAAA
Tue Apr 26, 2016 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Gifted a Company
Replies: 9
Views: 1223

Re: Gifted a Company

I'd probably max my 401k AND max a SEP IRA. You can potentially sock away a huge amount of money for retirement here. I looked into a SEP and it says i can contribute 5500 a year plus my employer can contribute 25% of my compensation. But an individual 401k i can contribute 18k + employer can contr...
by KyleAAA
Mon Apr 25, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Gifted a Company
Replies: 9
Views: 1223

Re: Gifted a Company

I'd probably max my 401k AND max a SEP IRA. You can potentially sock away a huge amount of money for retirement here.
by KyleAAA
Sun Apr 24, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Will Chip + Sign CC work in Europe?
Replies: 27
Views: 1936

Re: Will Chip + Sign CC work in Europe?

They work in most situations but won't work in a lot of unattended kiosks. They really aren't much better than the swipe cards in terms of how easy it is to use them in Europe. It's a bit silly, really.
by KyleAAA
Sun Apr 24, 2016 10:29 am
Forum: Investing - Theory, News & General
Topic: admiral index funds vs reg. index funds
Replies: 6
Views: 558

Re: admiral index funds vs reg. index funds

The only differences are that admiral shares have a higher minimum buy-in amount and lower expenses. Think of them like the Costco of index funds: you buy in bulk and get a discount.
by KyleAAA
Sat Apr 23, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: Is Coffeehouse Portfolio Not Preferred by BHs?
Replies: 52
Views: 4762

Re: Is Coffeehouse Portfolio Not Preferred by BHs?

I used to have a portfolio pretty similar to the coffeehouse portfolio before I simplified, except I had a lot more international and a lot less in bonds. It's as decent a portfolio as any other albeit far too light on international exposure for my tastes.
by KyleAAA
Fri Apr 22, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 1888

Re: Pop up ads driving me nuts! Please help

You likely have adware installed on your computer. I haven't used Windows much for quite a while so I'm not up to date on the latest adware removal tools, but a quick Google should help.
by KyleAAA
Fri Apr 22, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: How shop for a website?
Replies: 14
Views: 861

Re: How shop for a website?

Benp404 wrote:Thanks i was getting no where. I appreciate and feel like I am somewhere now.


If you can give the forum some idea of what kind of website it will be or desired functionality you would get better advice.
by KyleAAA
Fri Apr 22, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: How shop for a website?
Replies: 14
Views: 861

Re: How shop for a website?

Oh, sorry for the mixed terms. I am looking for websites, but was wondering more about what types of companies make websites. We have some local vendors in the area designing websites. I was just wondering if IBM made websites by using IBM Watson. I was trying to think outside of the box and was wo...
by KyleAAA
Fri Apr 22, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Why did Vanguard Reit go down
Replies: 9
Views: 1512

Re: Why did Vanguard Reit go down

Stocks fluctuate.
by KyleAAA
Fri Apr 22, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: How shop for a website?
Replies: 14
Views: 861

Re: How shop for a website?

We will need considerably more detail about what you need this website to do in order to give you reasonable advice, but this is definitely an area where you get what you pay for. Going with the cheapest vendor will usually get you the crappiest website.
by KyleAAA
Fri Apr 22, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 10345

Re: What are Pros and Cons to the "Four Hour Workweek?"

Guess what? My state decided that Amazon was leaching tax dollars, so proposed taxing Amazon because of their affiliate program, and Amazon cancelled the affiliate program in my state to avoid having to charge sales tax. No more revenue from referral links. FYI there are super easy ways around this...
by KyleAAA
Sun Apr 17, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 5079

Re: HELP! HR Doesn't Believe in Index Funds for 401k

I've been down this road, and it's pointless. If you ask to see the research they base their decisions on, they will send you a "research paper" from the firm they pay for investment advice, a firm that coincidentally specializes in active management. They are also specifically coached how...
by KyleAAA
Sat Apr 16, 2016 9:02 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 10345

Re: What are Pros and Cons to the "Four Hour Workweek?"

The guy who wrote the "Four Hour Work Week" book works something like 60 hours per week. He has never at any point in his life worked a 4 hour work week. So, take that into account.
by KyleAAA
Sat Apr 16, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Good countries to accumulate in?
Replies: 13
Views: 1145

Re: Good countries to accumulate in?

True, the US is diverse. I think the "high tax locales" you're talking about would still count as pretty low tax compared to what I'm used to (I pay a bit over 50% in income tax). The language is the main reason the US doesn't attract me, though. That and the medieval system of measuremen...
by KyleAAA
Sat Apr 16, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 9916

Re: mortgage pre payment, why?

Overall, I dont get the aversion to a mortgage, and I think 90% of people who are rushing to pay down their mortgage are making a financial mistake. They are adding risk to their overall financial situation This statement I completely disagree with. They are decreasing overall risk by not being lev...
by KyleAAA
Sat Apr 16, 2016 8:11 am
Forum: Investing - Theory, News & General
Topic: The "New" Rich
Replies: 9
Views: 2023

Re: The "New" Rich

People were doing this well before the internet was invented so no, I don't think anything has changed. Like everything else, the internet has made this kind of thing easier. I used to pursue this strategy but frankly, I found it boring and unfulfilling even though I was making pretty good money. Th...
by KyleAAA
Sat Apr 16, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Advice on what to do with inheritance
Replies: 17
Views: 2586

Re: Advice on what to do with inheritance

I'm sorry for your loss. Fortunately for you, a $200k inheritance in your 30s is a big deal when it comes to financial security in retirement. The advice by in_reality above is spot on. I would add that Vanguard makes rolling over accounts like this extremely easy. If you call them on the phone as o...
by KyleAAA
Fri Apr 08, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: Does anyone invest in websites?
Replies: 38
Views: 3025

Re: Does anyone invest in websites?

But will it provide you with early retirement? Well, yes. I've managed to sock away a very healthy six figures as a direct result of income from my websites. My SEP IRA was solely funded by website earnings. Or is it more likely to give you good returns on a very small part of your overall savings?...
by KyleAAA
Wed Apr 06, 2016 11:26 pm
Forum: Investing - Theory, News & General
Topic: Does anyone invest in websites?
Replies: 38
Views: 3025

Re: Does anyone invest in websites?

1. What's the expected rate of return? Anywhere from 30-50% per year is quite common. This is a risky game that requires a lot of knowledge and skill to get right, so the expected return is also quite high. If you don't mind investing a bit time and effort, 100% or even 200% PER YEAR is extremely d...
by KyleAAA
Tue Apr 05, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: Does anyone invest in websites?
Replies: 38
Views: 3025

Re: Does anyone invest in websites?

I've sold websites before and have run a number of popular and very profitable ones. Never bought one, but I've known quite a few people over the years who have invested in websites. Obviously, it's risky as search traffic can disappear overnight and you're never able to be quite sure the person you...
by KyleAAA
Mon Apr 04, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: When is it ok to splurge?
Replies: 83
Views: 7585

Re: When is it ok to splurge?

Which do you value more, fun on a boat or early retirement? I'd choose the boat but only you can answer this question for yourself.

Alternatively, $100k is a lot of boat. Could you buy a cheaper one?
by KyleAAA
Fri Apr 01, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 4067

Re: do you do airbnb ??

I've had mostly good experiences with airbnb and it is, as you've found, usually significantly cheaper than a hotel. Just keep in mind that the people you're renting from are not professional landlords or hoteliers and you should be fine.
by KyleAAA
Wed Mar 30, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 3735

Re: Bro Trip suggestions?

North Carolina in early October would be perfect. Do some hiking, visit some breweries, and try to catch a college football game while you're down south.
by KyleAAA
Wed Mar 30, 2016 3:01 pm
Forum: Investing - Theory, News & General
Topic: "One Vanguard, Many DFAs"
Replies: 16
Views: 2650

Re: "One Vanguard, Many DFAs"

"(Eventually, I figure, Vanguard will offer Vanguard Total World Marketplace--a fund that indexes all of the globe's securities. Such is the logical ending place for the agnostic indexer. Don’t favor one individual security over another, or a region, or an industry, or an asset class. Just hold...
by KyleAAA
Fri Mar 25, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance...Do I need to worry about retirement?
Replies: 69
Views: 8687

Re: Large Inheritance...Do I need to worry about retirement?

1.) Having that much money in just 4 stocks is ridiculously risky. I would advocate selling out and investing in a version of the 3 fund portfolio regardless of the tax consequences. You have much more to lose with such a concentrated position than you have to lose from taxes. Remember how fast a fe...
by KyleAAA
Fri Mar 25, 2016 7:43 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5236

Re: Europe Trip in August

I would be wary of relying on how safe one "feels" in a certain location. That likely says far more about one's own internal biases than whether or not you're actually safe. I feel completely safe in most of the 3rd world. Doesn't mean I am.
by KyleAAA
Sun Mar 20, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: Web Hosting (Shared) Recommendation
Replies: 17
Views: 996

Re: Web Hosting (Shared) Recommendation

Not enough information to give reasonable advice without knowing what kind of website you intend to host. In general, you get what you pay for with cheap shared hosting. Reliability and good customer service at this price point are both going to be impossible to find, but if you're just hosting a pe...
by KyleAAA
Sun Mar 20, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: fasting for better health
Replies: 16
Views: 1149

Re: fasting for better health

I occasionally fast for a day or two at a time because it makes me feel a lot better. I'm not sure it's better for my health or anything, but I enjoy it.
by KyleAAA
Sun Mar 20, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Buying a new car
Replies: 56
Views: 5734

Re: Buying a new car

If you don't like to haggle you can usually get a decent price using something like Costco's auto buying service. You'll probably pay a few hundred dollars more than if you were an excellent negotiator, but that's the price of convenience. At the very least, you definitely won't get ripped off. You'...
by KyleAAA
Sat Mar 19, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Importance of parental involvement in education.
Replies: 31
Views: 2386

Re: Importance of parental involvement in education.

I've never seen convincing evidence that the objective quality of a school district (usually measured by test scores, which by definition isn't objective, but nevermind that) has any causal relationship with ultimate success in life.
by KyleAAA
Sat Mar 19, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Wellesly Income - Single Best Investment for not losing money in massive downturns, with upside? Better alternatives?
Replies: 39
Views: 4710

Re: Wellesly Income - Single Best Investment for not losing money in massive downturns, with upside? Better alternative

The only downside I see is that it's a relatively concentrated fund, with only about 60 different stock positions, mostly in the US. The price is definitely right for the admiral shares though, and I suspect the ultra-low costs are mostly responsible for its success over the years. I could definitel...
by KyleAAA
Fri Mar 11, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: 5M Windfall, all in VTMFX? [Vanguard Tax-Managed Balanced Fund]
Replies: 40
Views: 5485

Re: 5M Windfall, all in VTMFX?

That sounds like a reasonable plan. Personally, I would use a three fund portfolio instead so I could diversify a bit better overseas and open myself up to tax-loss harvesting. But you could do a lot worse. Technically, you could probably retire tomorrow and maintain the same standard of living fore...
by KyleAAA
Fri Mar 11, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Tech-Tilted Investment Portfolio
Replies: 49
Views: 2842

Re: Tech-Tilted Investment Portfolio

Greedo clearly shot first. But seriously, I'm guessing you work in the tech industry. This is a really, really, ridiculously bad idea. At 30, you weren't working during the tech bust, but it CAN and WILL happen again at some point. Let that sink it. It's not if, it's when. Don't let the fact that 20...
by KyleAAA
Thu Mar 10, 2016 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Public Health (MPH) as a career choice...
Replies: 19
Views: 1858

Re: Public Health (MPH) as a career choice...

I live around the corner from the CDC and have plenty of friends who got their MPH at Emory. The CDC is literally on campus so the networking opportunities are second to none. It seems to be a field where the school you go to really matters, so it might be worth paying up to get into one of the best...
by KyleAAA
Thu Mar 10, 2016 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Sudden Increase in Salary -- Need Strategy Help
Replies: 13
Views: 1582

Re: Sudden Increase in Salary -- Need Strategy Help

Some general advice without knowing many details about your situation. - Max out both yours and your wife's 401ks every year, no matter what. - Yeah, you'll probably have to recharacterize your Roth, but there's no need to worry about that yet. You have until you file taxes next year to do it. - You...
by KyleAAA
Wed Mar 09, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Buying a house with cash
Replies: 46
Views: 4980

Re: Buying a house with cash

There are a few good reasons to pay cash for a house, but I don't believe sticking it to the man is one of them. What are your goals? Would this help you achieve them better than borrowing the money? If you're young and your goal is to maximize your wealth 30 years from now, math says you should bor...
by KyleAAA
Wed Mar 09, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Book copyright infringement: how to stop someone?
Replies: 31
Views: 2495

Re: Book copyright infringement: how to stop someone?

Submit a DMCA takedown request to the file sharing site. Most will honor it. This doesn't stop her from uploading it somewhere else, of course, and you'd have to do it all over again. The alternative is to pay a lawyer to draft a nastygram on your behalf. It might be worth spending a few hundred dol...
by KyleAAA
Mon Mar 07, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers
Replies: 46
Views: 2723

Re: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers

This is a red herring. The real solution to this is two factor authentication. Increasing password complexity is of limited benefit since most people will just reuse passwords from other sites, write them down and leave them right next to the monitor, or worse. TFA addresses the human behavior prob...
by KyleAAA
Mon Mar 07, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers
Replies: 46
Views: 2723

Re: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers

This is a red herring. The real solution to this is two factor authentication. Increasing password complexity is of limited benefit since most people will just reuse passwords from other sites, write them down and leave them right next to the monitor, or worse. TFA addresses the human behavior probl...
by KyleAAA
Sun Mar 06, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor says "Blackrock is just plain better than Vanguard"...
Replies: 75
Views: 8788

Re: Advisor says "Blackrock is just plain better than Vanguard"...

It is my understanding that Blackrock is among the best of the best when it comes to indexing. Not sure about "just plain better," but definitely at least on par. As far as tax efficiency, both are already so tax-efficient that the law of diminishing returns comes into play. If you're comf...
by KyleAAA
Sun Mar 06, 2016 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 2976

Re: Virginia Tech vs. NC State [choosing a school]

Thanks for all your thoughts. Wise advice, Tomato. Georgia Tech would be fantastic, but even if he got in, I"m not sure that he'd be happy. The admissions there have become even more competitive over the past five years. The very smart kids we know that have been accepted have generally gone i...
by KyleAAA
Sat Mar 05, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 2976

Re: Virginia Tech vs. NC State [choosing a school]

Neither VT nor NCSU has a top-tier CS program so academically I'd call it a wash. He probably won't be recruited by Facebook or Microsoft at the career fair like he would at GT but other than that, getting a well-paying job is not going to be difficult with a degree from either school. I'd say it co...
by KyleAAA
Sat Mar 05, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: rental income investing
Replies: 50
Views: 4404

Re: rental income investing

On an apples-to-apples unleveraged basis, you would expect the long-term returns for stocks and rental real estate to be roughly comparable on a national basis. Stock investing has some serious advantages in that it's far, far easier to diversify and so will probably entail a bit less risk. But most...
by KyleAAA
Thu Mar 03, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Calculating Home Equity
Replies: 23
Views: 1375

Re: Calculating Home Equity

I use the tax assessment since it tends to be conservative.
by KyleAAA
Tue Mar 01, 2016 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Will I incur any capital gains tax if I sell today?
Replies: 19
Views: 1545

Re: Will I incur any capital gains tax if I sell today?

It looks like you'd have an overall capital loss, so go ahead and do it now. Your current gains/losses are so small relative to the value of your portfolio as to be meaningless in the grand scheme of things.
by KyleAAA
Sun Feb 28, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate effective tax rate?
Replies: 7
Views: 424

Re: How to calculate effective tax rate?

Your accountant should be able to do this for you. Whether you include FICA and all that is up to you. I personally don't see the point in not including FICA unless you specifically want to calculate your effective federal income tax rate in isolation.
by KyleAAA
Sun Feb 28, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Is Working from Home the New Normal?
Replies: 57
Views: 5458

Re: Is Working from Home the New Normal?

I don't think it's nearly prevalent enough to be considered a "new normal," but it will continue gaining steam. I don't think there will ever be a time when everybody or nearly everybody works from home or anything like that.

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