Search found 5875 matches

by KyleAAA
Wed Sep 28, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone been tempted to buy AMZN?
Replies: 23
Views: 745

Re: Has anyone been tempted to buy AMZN?

Great business, very expensive. I think there will prove to be a lot more competition for their cloud business than previously anticipated, from Microsoft and Google in particular. It will probably work out over the next 10 years but the current valuation leaves no margin for error.
by KyleAAA
Tue Sep 27, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: How much $ should I have in checkings/savings vs. taxable accounts?
Replies: 8
Views: 923

Re: How much $ should I have in checkings/savings vs. taxable accounts?

I think anywhere from 3-12 months in emergency savings is the usual advice. If you're comfortable with the amount of cash you have, go ahead and open a taxable account and/or consider any medium-term goals you have (downpayment for a house, for example).
by KyleAAA
Mon Sep 26, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Protein Powders
Replies: 45
Views: 2991

Re: Protein Powders

Designer Whey French Vanilla is my favorite flavor but they also sell unflavored powders. You could also just use milk as a base.
by KyleAAA
Sun Sep 25, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 98
Views: 11222

Re: Net Worth Milestone Today - $1.5M

This is nothing new. This is history. A lot of real estate speculators went bankrupt like this when the housing market crashed. Not really. Many if not most speculators who were attempting to flip houses with 0% down did, yes. But rental rates were pretty steady and even increased in many markets d...
by KyleAAA
Sun Sep 25, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account User-Friendliness
Replies: 10
Views: 772

Re: Brokerage Account User-Friendliness

Yes, Vanguard's websites have relatively poor user experiences across the board. I suspect it's just been a lack of focus. Building a truly intuitive and usable website is difficult and expensive, and Vanguard would rather spend its money elsewhere. I don't foresee it changing anytime soon. Either i...
by KyleAAA
Tue Sep 20, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: Savannah and Charleston
Replies: 20
Views: 1809

Re: Savannah and Charleston

Ghost tours are fun in both cities but especially Charleston. Lot's of creepy cemeteries. There's a haunted pub crawl in Savannah if that sounds like something you'd be interested in. The main can't-miss is just walking around and enjoying the ambiance. Also, eat everything. A visit to a plantation ...
by KyleAAA
Mon Sep 19, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5196

Re: Cities like New Orleans?

I exaggerated a little, but not much. Different strokes for different folks. You can find good food everywhere but it's harder in south except for bbq. Shrimp and grits is the worst dish ever. DC area is great, Chicago is the midwestern oasis. Not a big SF fan (craziest traffic ever). There are man...
by KyleAAA
Mon Sep 19, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5196

Re: Cities like New Orleans?

New Orleans is a cultural and culinary oasis in the vast desert that is the US South. It's unique, in a good way, without pretensions. But like NYC, may be a better place to visit than live for the average person. If you would classify the US South a cultural and culinary desert, I wonder what woul...
by KyleAAA
Mon Sep 19, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5196

Re: Cities like New Orleans?

New Orleans is a cultural and culinary oasis in the vast desert that is the US South. It's unique, in a good way, without pretensions. But like NYC, may be a better place to visit than live for the average person. If you would classify the US South a cultural and culinary desert, I wonder what woul...
by KyleAAA
Mon Sep 19, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 9059

Re: Anyone accidentally tell a friend about your inheritance?

Shouldn't it change your relationship, though? Friend asked to rent a nice apartment together, you said no because you didn't think you could afford it. As long as he isn't asking you for money, I don't see the problem.
by KyleAAA
Mon Sep 19, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5196

Re: Cities like New Orleans?

If you want to live in a city like New Orleans why not try...New Orleans? Did I miss a reason you ruled it out somewhere? There really is nowhere else exactly like it, but you can get a lot of the positives elsewhere. Charleston, Savannah, or maybe Mobile, AL (maybe) could fit the bill. Charleston i...
by KyleAAA
Sun Sep 18, 2016 9:43 am
Forum: Investing - Theory, News & General
Topic: Never invest in ....... ?
Replies: 53
Views: 5146

Re: Never invest in ....... ?

I don't think there are any truly no-go areas in terms of asset classes outside of cost and transparency considerations. For example, Bogleheads tend to avoid private equity because it's expensive. But if a private equity fund with an ER of 0.1% were launched, a lot of Bogleheads might bite. And the...
by KyleAAA
Sat Sep 17, 2016 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7147

Re: 24 year old new dividend portfolio

So dividends accounting for a substantial amount of total return since the sp500 index was introduced means nothing apparently. Between 1950 and 2012, 89% of the gains in the TSM came from reinvested dividends. Not everyone is "completely discounting my backtesting." Clearly, you believe ...
by KyleAAA
Sat Sep 17, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7147

Re: 24 year old new dividend portfolio

I have a degrees in cellular biology, biochemistry and my BSN. I have taken 2 statistics classes and calculus up to cal 3. I am currently working on my doctorate degree in nurse anesthesiology. Nice job at attempting to insult my intelligence. As I stated to the previous individual that did that, s...
by KyleAAA
Sat Sep 17, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7147

Re: 24 year old new dividend portfolio

So dividends accounting for a substantial amount of total return since the sp500 index was introduced means nothing apparently. Between 1950 and 2012, 89% of the gains in the TSM came from reinvested dividends. Not everyone is "completely discounting my backtesting." Clearly, you believe ...
by KyleAAA
Sat Sep 17, 2016 7:48 am
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7147

Re: 24 year old new dividend portfolio

While I may have a couple of high yielding stocks, most of my stocks are dividend growth stocks. As I previously pointed out with images showing the back testing, going back to the day I was born in 1991, accounting for commission fees, my dividend portfolio that I have spent many days researching ...
by KyleAAA
Fri Sep 16, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: How do I set up a consumer friendly and functional website?
Replies: 15
Views: 752

Re: How do I set up a consumer friendly and functional website?

Five wrote:Thanks for the ideas. If I detail out my idea/flesh it out, how to prevent my idea from being stolen and used by someone else?


I'd be willing to bet a large fortune you aren't the first or last to think of your idea. Ideas aren't worth much, so I wouldn't worry about it.
by KyleAAA
Fri Sep 16, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: How do I set up a consumer friendly and functional website?
Replies: 15
Views: 752

Re: How do I set up a consumer friendly and functional website?

Like a product review site? A survey site (think surveymonkey)? You could maybe do this for $10 if there's a free Wordpress plugin that does exactly what you want or $150k if there isn't and what you want to do is complex and generates a lot of traffic. There's really no way to give advice without a...
by KyleAAA
Fri Sep 16, 2016 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7147

Re: 24 year old new dividend portfolio

iLuvDividends wrote:
saltycaper wrote:
iLuvDividends wrote:
That's one reason the strategy does not make sense.


Then you're arguing with many many investors.


Considering how unsophisticated the vast majority of investors are, that's not saying much.
by KyleAAA
Thu Sep 15, 2016 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7147

Re: 24 year old new dividend portfolio

The statement is not false. Research it yourself. Oh, I have. In great detail. The statement has been making the rounds for years. Warren Buffett said Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund (I suggest Vanguard's). I believe the trust's l...
by KyleAAA
Thu Sep 15, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 7147

Re: 24 year old new dividend portfolio

In terms of waiting until Thursday or not, it makes absolutely no difference at all. Like, none. Not even a little. Flip a coin. I'm concerned about your portfolio, though. It looks extraordinarily undiversified. I urge you to consider one of the lazy portfolios instead. Your future self will thank ...
by KyleAAA
Wed Sep 14, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: Foreign Language Programs for Commute?
Replies: 19
Views: 1422

Re: Foreign Language Programs for Commute?

Pimsleur is the only truly effective all-audio program I've ever seen. There are other good programs but they require a lot of book studying as well. Everything else is a waste of time if you want to limit yourself to audio programs.
by KyleAAA
Tue Sep 13, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?
Replies: 20
Views: 1624

Re: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?

You are correct that the TIAA Real Estate fund is quite a different beast than your average REIT fund. What percentage of your portfolio do you intend to allocate to real estate? If your current holdings are less than that, buy the TIAA RE fund to make up the difference. Otherwise, don't (but revisi...
by KyleAAA
Tue Sep 13, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: is it possible to be a gambler and boglehead
Replies: 47
Views: 2107

Re: is it possible to be a gambler and boglehead

I'd wager (see what I did there?) most bogleheads aren't penny pinchers, don't track every dollar, don't have a particularly high-paying job, and regularly splurge on expensive dinners or some other indulgence. You'll fit right in.
by KyleAAA
Tue Sep 13, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 5226

Re: Is A Two-Fund Portfolio All You Really Need?

I guess it depends on how you define "need." I think the above portfolio is obviously sub-optimal, but it's all you really "need" in the sense that it will likely generate decent returns over time. For that matter, all you really "need" is the S&P500 fund if that's ...
by KyleAAA
Mon Sep 12, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 19
Views: 1437

Re: Recommended Acoustic Guitars Under $1,000

Carvin (now Kiesel) sells some excellent solid-body acoustics for under $1000, but you'll probably have to buy from the factory which is a dealbreaker for some. I've found Carvin offers solid value all around.
by KyleAAA
Mon Sep 12, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6458

Re: Is anyone else feeling courageous enough to buy today?

Nah, but I'm buying on Thursday in my 401k.
by KyleAAA
Sun Sep 11, 2016 9:25 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9223

Re: So being 40 is "old" in the high tech business?

BTW Google and the like hire the top 1%, technically, not the top 5%. Maybe even the top 0.1%. I've interviewed and rejected candidates who went on to work for Google. They weren't even in the top 20% never mind the top 1%. Hiring practices are those places are highly inefficient, so much so that t...
by KyleAAA
Fri Sep 09, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9223

Re: So being 40 is "old" in the high tech business?

Steve723 wrote: As a percentage, is it actually worse?


I'm fairly certain the answer is yes.
by KyleAAA
Fri Sep 09, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9223

Re: So being 40 is "old" in the high tech business?

Steve723 wrote:I wish you the best of luck in your job search, but I don't think your experience is unique to Silicon Valley.


It isn't unique to Silicon Valley but it is a LOT worse there.
by KyleAAA
Fri Sep 09, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9223

Re: So being 40 is "old" in the high tech business?

I think it's considered old in Silicon Valley. Thankfully, most other markets aren't nearly as silly.
by KyleAAA
Fri Sep 09, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 2989

Re: Google trying to get my phone number

AAA wrote:
So in that case asking me to type in some scrambled text would work just as well.


Sadly, no. Spammers can easily defeat that.
by KyleAAA
Fri Sep 09, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 2989

Re: Google trying to get my phone number

I still don't understand how receiving a text message verification code on my cell phone proves anything to Google about who I am. It doesn't and isn't meant to. What it does is ensure you aren't a robot compromising accounts to send out phishing emails. More generally, 2FA works because it combine...
by KyleAAA
Thu Sep 08, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 2989

Re: Google trying to get my phone number

This almost certainly has nothing to do with Google trying to get you to use 2fa. It almost certainly has something to do with the fact that somebody has either compromised your account or attempted to. Or at least, Google thinks one of those two things might have happened (Google is sometimes wrong...
by KyleAAA
Tue Aug 30, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 22004

Re: $50M+ - Need a sounding board/advice

But my goal as an investor with $50MM isn't to earn high returns, it's to protect against deep risk . I want exposure to every single risk factor regardless of whether or not I expect my portfolio to out-perform the market, even if I have to technically pay more than it's worth. I don't care if the...
by KyleAAA
Tue Aug 30, 2016 7:28 am
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 22004

Re: $50M+ - Need a sounding board/advice

As far as not being able to get into funds, exclusivity doesn't make something good. It makes it exclusive. It is largely a marketing ploy. Yes some exclusive funds do well. A lot don't. You need to figure that out. And if it was easy, we would all be investing in the active funds that beat index f...
by KyleAAA
Mon Aug 29, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 22004

Re: $50M+ - Need a sounding board/advice

The problem with things like both physical real estate and PE is that you have to spend a lot of time on it. Yeah, I wouldn't recommend doing that yourself. But if you have $50MM the full-service firms will do it for you. Or they'll at least get you into investment funds you wouldn't ordinarily be ...
by KyleAAA
Mon Aug 29, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: Simple Path to Wealth Book - Portfolio Flaws?
Replies: 3
Views: 566

Re: Simple Path to Wealth Book - Portfolio Flaws?

I personally feel any argument against holding at least SOME international stocks is flat-out wrong for many of the reasons you mentioned. The question in my mind is not if you should hold foreign equities, but how much. Reasonable people can disagree, but I'd say anywhere from 20-60% is reasonable....
by KyleAAA
Mon Aug 29, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 22004

Re: $50M+ - Need a sounding board/advice

Agree that diversifying beyond the standard 3-fund portfolio with $50MM is a good idea. Not that a 3-fund portfolio wouldn't serve your needs, it would, but with that much cash you can afford to diversify more widely. You have no real need for the entire $50MM to stay liquid, so something like 10-20...
by KyleAAA
Sat Aug 27, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Down Payment Amount on New Home - 10 or 20%
Replies: 21
Views: 1596

Re: Down Payment Amount on New Home - 10 or 20%

3.625% sounds slightly high for a 30 year fixed if you have great credit. But if you plan to use the money for renovations I think it's perfectly fine to pay PMI for a few years. PMI is just a financial tool like any other, neither good nor bad on its own.
by KyleAAA
Tue Aug 23, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 93
Views: 13889

Re: Retirement: Where $200K Will Last 30 Years

I would think the downsides are culture shock and being so far from your family and friends. Otherwise, Costa Rica sounds like paradise. Spain is also tempting, although I'm curious as to exactly where in Spain they have you living to get that $2200/month number. Certainly not in Barcelona or anypla...
by KyleAAA
Tue Aug 23, 2016 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to determine the % of equities in a joint portfolio.
Replies: 11
Views: 650

Re: How to determine the % of equities in a joint portfolio.

120-your age in stocks is the most commonly-cited rule of thumb these days. But regardless, I think splitting the difference is a fine strategy. There's really no point trying to optimize your asset allocation within more than about 5%. It just doesn't make a material difference over time.
by KyleAAA
Tue Aug 23, 2016 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Oil Well Working Intrest
Replies: 19
Views: 1406

Re: Oil Well Royalty

I'd count it as part of your retirement portfolio under the "alternative assets" subheading. I think a 10-20% allocation to alternatives is fine provided you have deep knowledge of the field, which you apparently do. This is no different than somebody investing 1/3 of their portfolio in re...
by KyleAAA
Mon Aug 22, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Honeymoon - Alaska or Greece
Replies: 22
Views: 1649

Re: Honeymoon - Alaska or Greece

I would choose Greece for a honeymoon. Alaska was beautiful but unless you both enjoy the outdoors it isn't particularly romantic. If you both love the outdoors, Alaska is an excellent choice.
by KyleAAA
Mon Aug 22, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Sold startup at age 25, need portfolio help!
Replies: 12
Views: 2613

Re: Sold startup at age 25, need portfolio help!

Your overall allocation is fine, but I'd ditch PeerStreet and Wunder Capital and invest that money either directly in real estate or throw it into Betterment. It's fine to invest a small part of your portfolio in crowdfunding platforms, but 10% is far too much. At least until they prove themselves t...
by KyleAAA
Sun Aug 21, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Borrowing money to invest. Good idea?
Replies: 68
Views: 4394

Re: Borrowing money to invest. Good idea?

People do this all the time with 30 year mortgages. The only difference here is that you're borrowing for 10 years. At 4%, I'd prefer to make that bet over 30 years than over 10 years. I'd say you have a moderately good chance of coming out ahead but there's significant risk. It's not an objectively...
by KyleAAA
Sun Aug 21, 2016 2:07 pm
Forum: Investing - Theory, News & General
Topic: Brilliant Quant Hedge Fund has returns of S&P 500
Replies: 11
Views: 1578

Re: Brilliant Quant Hedge Fund has returns of S&P 500

What was the risk? Just because the returns are similar doesn't imply you might as well have put your money in the S&P 500, although I wouldn't say 9.4% and 8.9% are "similar." A 0.5% per year difference is huge over time. If the quant fund was even moderately less risky than the S&...
by KyleAAA
Sat Aug 20, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Get a mortgage even if not needed?
Replies: 41
Views: 3717

Re: Get a mortgage even if not needed?

boglerocks wrote:Is cash always the best way to pay if possible?


Mathematically, cash is almost never the best way to pay, especially not at 3.5%. How important are the non-financial considerations to you?
by KyleAAA
Thu Aug 18, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Loan for Owner Occupied Multi-Family
Replies: 4
Views: 384

Re: Loan for Owner Occupied Multi-Family

It is not standard operating procedure for an owner occupied duplex. You should be able to get regular residential financing at residential rates, probably with as little as 5% down if you have good credit. What you have described is standard for non-owner-occupied duplexes.
by KyleAAA
Tue Aug 16, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3808

Re: HOA Ruling

A similar situation happened with my wife's HOA. A tenant was told a certain rule was different than what was in the covenant (forgot what it was, but it was in writing in a closing document). After some legal maneuvering, the HOA was forced to allow the exception. I don't think there was a long tim...

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