Search found 6082 matches

by KyleAAA
Tue Jun 27, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: VWINX a 1-Stop Shop? [Vanguard Wellesley]
Replies: 46
Views: 9572

Re: VWINX a 1-Stop Shop? [Vanguard Wellesley]

That it only holds 61 sticks and is almost entirely invested in the US would give me pause.
by KyleAAA
Mon Jun 26, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 63
Views: 6025

Re: Is 60/40 too conservative for 31 year old?

I think 60/40 is a perfectly fine asset allocation to stay at essentially forever. I intend to stay at 70/30 essentially forever, myself.
by KyleAAA
Sun Jun 25, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 53
Views: 5098

Re: Your Favorite Vanguard Fund

I dunno, maybe VIOV? Or VTI. They all do their jobs.
by KyleAAA
Thu Jun 22, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 52
Views: 3770

Re: Is VG Total Stock Market Index too concentrated?

It is fully diversified along one axis (domestic stocks). There are other axes along which to diversify such as across different asset classes (bonds, real estate, etc), within asset classes (international vs domestic equities, treasuries vs corporate bonds, residential vs commercial real estate, et...
by KyleAAA
Wed Jun 21, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 31
Views: 1388

Re: Vanguard invite - transition to a Brokerage Acct

I'd advise taking the plunge. There were no downsides for me (the interface changed very slightly, but not in a bad way). Plus you get SIPC coverage.
by KyleAAA
Sun Jun 18, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected raise while househunting-- should I change my budget?
Replies: 21
Views: 2261

Re: Unexpected raise while househunting-- should I change my budget?

No, I think $500k is already borderline for a $115k income never mind what it was before. I'd be looking more in the $300-350k range at that income and invest the rest.
by KyleAAA
Sun Jun 18, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6721

Re: Any BHs Had Experience With the Honda Fit?

My wife has a 2015 Fit. The amount of interior cargo space for a car its size is nothing short of incredible. Gets excellent gas mileage and I at 6'2" don't have any trouble driving it comfortably. Small cars are quite safe these days. Perhaps not as safe as a giant SUV but you've got to draw t...
by KyleAAA
Wed Jun 14, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 67
Views: 5646

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

I've always answered by turning it around and asking what the range is. They've never balked at telling me. After that, I feel comfortable answering. At least we've both laid our cards in the table at that point.
by KyleAAA
Tue Jun 13, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Annual returns for mutual funds for retirement in 25 years?
Replies: 18
Views: 1736

Re: Annual returns for mutual funds for retirement in 25 years?

I'd expect around 9% per year for the S&P 500 over the next 25 years, but i could be wrong. If i had to give an interval I was fairly confident in, I would say 6-12%.
by KyleAAA
Mon Jun 12, 2017 12:11 am
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7314

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

They are completely changing direction on the side projects? What a ridiculous exaggeration. They simply changed their reporting structure to provide more clarity to shareholders. It's not like they sidelined the projects. When is that quote from? I believe it's 2010. Maybe you should look for some...
by KyleAAA
Sun Jun 11, 2017 11:46 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7314

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

$10 billion of revenue which is about 13% of total. Not a rounding error. I'm sure if I took 13% of your net worth away it wouldn't be a rounding error. I'm sure if I gave you $10 billion it wouldn't be a rounding error. I also don't really understand the infatuation with calling them a one trick p...
by KyleAAA
Sun Jun 11, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7314

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

That is not even remotely true that all of those ventures make money only through advertising. Google Cloud, their artificial intelligence chips, Google Home, Chromecast, Nest, Fiber, Android, Google Capital and Google Ventures do not rely heavily on advertising revenue. Their autonomous cars will ...
by KyleAAA
Sun Jun 11, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7314

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

It's a lot more than a one trick pony - YouTube, Google Docs, gmail, Nest, Google Home, Chrome, Chromecast, Waymo (autonomous cars), Google Cloud, Google Fiber, Google Maps, Waze, Android, Google Play, artificial intelligence, machine learning, Google Capital, Google Ventures, etc. All of those ven...
by KyleAAA
Sun Jun 11, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7314

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

Google is a one-trick pony. Granted, it's a really big pony, but they are vulnerable to changes in how people search (think voice). I'm extremely impressed by their latest investments in their public cloud platform and believe they'll probably beat Amazon there over time. AWS is already losing its ...
by KyleAAA
Sun Jun 11, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7314

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

Google is a one-trick pony. Granted, it's a really big pony, but they are vulnerable to changes in how people search (think voice). I'm extremely impressed by their latest investments in their public cloud platform and believe they'll probably beat Amazon there over time. AWS is already losing its ...
by KyleAAA
Sun Jun 11, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7314

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

Google is a one-trick pony. Granted, it's a really big pony, but they are vulnerable to changes in how people search (think voice). I'm extremely impressed by their latest investments in their public cloud platform and believe they'll probably beat Amazon there over time. AWS is already losing its a...
by KyleAAA
Tue Jun 06, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6092

Re: I'm considering buying a house in the $800k range.. can I?

No red flags here. Just don't underestimate how much additional spending buying a house will entail over just renting. Your $49k per year will likely go up significantly in ways you can't predict. But you can still easily afford it.
by KyleAAA
Wed May 31, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3468

Re: Job offer without an in person interview

This isn't unheard of in some fields. They world is becoming more accustomed to remote communication.
by KyleAAA
Tue May 30, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs Schwab Total Stock Market Index Fund
Replies: 29
Views: 2646

Re: VTSMX vs Schwab Total Stock Market Index Fund

They both have such low expense ratios that in reality the decision will come down to 1.) which website interface do you prefer (plus Schwab has actual branches if that's important to you), and 2.) which can you buy/sell for free (both allow you to buy/sell their own funds on their own platforms for...
by KyleAAA
Sun May 28, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Paying someone to build a website
Replies: 28
Views: 2304

Re: Paying someone to build a website

We paid around 5,000 to have a basic Woocommerce WordPress site set up. We moved most of the individual items for sale over, so 5,000 was for the basic home page shopping cart, blog, categories framework ect. It sounds like what you need should be simpler then that. We used EMWD (emerging marketing...
by KyleAAA
Sun May 28, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 5626

Re: Retiring in southern college town

Most college towns are going to be full of transplants so I wouldn't worry so much about fitting in with southerners. It's not like the south is really that different, anyway. If coastal is a requirement, perhaps Wilmington, NC or Charleston, SC would work. Maybe Gainesville, FL but that's not right...
by KyleAAA
Fri May 26, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on REITs
Replies: 66
Views: 7164

Re: Larry Swedroe on REITs

Has the real return on REIT dividends really averaged -2%? S&P disputes that, at least since 2000. What is the source of that data?

https://us.spindices.com/documents/rese ... nload=true
by KyleAAA
Thu May 25, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Paying someone to build a website
Replies: 28
Views: 2304

Re: Paying someone to build a website

Incendiary wrote:What details can I provide to narrow that range down?


Exactly what does the website do?
by KyleAAA
Thu May 25, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Paying someone to build a website
Replies: 28
Views: 2304

Re: Paying someone to build a website

$10-100,000 depending on what you want. Likely closer to the former than the latter.
by KyleAAA
Wed May 24, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4620

Re: Lufthansa Premium Economy

Never flown this particular fare class on Lufthansa but if it's anything like Delta economy comfort it's we'll worth it if you're tall. I'm 6'2" and an extra 6 inches of legroom on an 8 hour flight is worth a lot.
by KyleAAA
Mon May 22, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Yet Another Real Estate vs Stock Market Thread
Replies: 44
Views: 3841

Re: Yet Another Real Estate vs Stock Market Thread

Or Napoleon to his generals "First and foremost, you must be lucky". ;-). The underlined bit gets to the nub of this. It's knowing what you are buying and buying well that makes you the money. So you can't compare it to an equity index investment, where one lets the market efficiency do t...
by KyleAAA
Mon May 22, 2017 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Yet Another Real Estate vs Stock Market Thread
Replies: 44
Views: 3841

Re: Yet Another Real Estate vs Stock Market Thread

Your analysis seems to ignore appreciation (I'd expect values to go up with inflation) and your example is, at best, a marginal deal a lot of investors wouldn't bother with. But the main thing you're ignoring is the availability of cheap, safe, long-term, fixed-rate leverage. Good RE investors routi...
by KyleAAA
Sat May 20, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3142

Re: REITs: Count as Stocks or Bonds?

On a somewhat-related note, REIT fundamentals are in better shape than they've been since 2000. A big deal is made of leverage being the reasons REITs are more volatile than stocks, but REITs as a general rule aren't actually all that leveraged outside of the obvious exception of the run up to the R...
by KyleAAA
Sat May 20, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate vs Short Term TIPS Fund
Replies: 45
Views: 3920

Re: Intermediate vs Short Term TIPS Fund

With such a low allocation to equities yes, I think it would be wise to inflation-protect a significant portion of your fixed-income allocation. Half of fixed income would be well within the realm of reasonable (I use half, myself). Intermediate term is consistent with what you've already chosen. I ...
by KyleAAA
Thu May 18, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3142

Re: REITs: Count as Stocks or Bonds?

I count them as Real Estate. But if I had to classify them as stocks or bonds, I would definitely choose stocks. They are very volatile.
by KyleAAA
Tue May 16, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting/Factors: My Conclusions (Challenges welcome)
Replies: 48
Views: 2810

Re: Tilting/Factors: My Conclusions (Challenges welcome)

Re: your cons,it's relatively easy to figure out how well a fund has captured factors in the past and how likely it is to capture a significant amount in the future, although the exposures do drift within a range over time. You'll have to read the prospectus to find out the methodology used, but it'...
by KyleAAA
Tue May 16, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Is it legal to use a first mortgage for an investment property?
Replies: 40
Views: 2279

Re: Is it legal to use a first mortgage for an investment property?

It's 100% legal so long as your neighbor didn't lie about the intent to live in the home. Most banks require you to agree to live in the house for at least a year before turning it into a rental, but if somebody ends up renting it out sooner it isn't a criminal issue, it's a contract issue. Perhaps ...
by KyleAAA
Mon May 15, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 9211

Re: Home Country Bias...makes sense?

To use the historical record (1900-present) as evidence that the US is likely to outperform going forward, you'd need to assume America's standing on the world stage is similar to what it was in 1900. That, of course, is ridiculous. According to this random link I found, the US made up about 15% of ...
by KyleAAA
Sun May 14, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 18476

Re: Buying a luxury car (how dumb would it be to do this?)

OP, of course you can afford it. But you are sorely mistaken if you think the x5 is 'fun' or truly 'luxury'. It's a people hauler. My advice - buy a cheap people hauler but buy yourself another fun car. Which leads us inexorably to the only logical answer that all car threads eventually converge to...
by KyleAAA
Sun May 14, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Is there any reason I should invest any additional money into bonds?
Replies: 29
Views: 2932

Re: Is there any reason I should invest any additional money into bonds?

I think it depends on how much larger your portfolio is than what you think you will need. Do you have 4x more than you will reasonably need to retire comfortably? Put it all in small value for all I care. Are you at 1.3x? Better have some bonds. It sounds like you're more in camp A, so this is prob...
by KyleAAA
Sun May 14, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2582

Re: 100% Total International (0% US equity) for new investor?

Stock markets spend a substantial amount of time either at or within 5% of their all time highs. That is, the fact that he US market is at an all time high tells you absolutely nothing useful, so don't bother trying to make any decisions based on it. Staying diversified is always the best choice. 50...
by KyleAAA
Fri May 12, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 127
Views: 17613

Re: The Wall Street Journal to close Google loophole entirely

Agree these sorts of workarounds are immoral. WSJ is offering you access on their terms. Just because you can technically bypass their reasonable efforts to keep you out doesn't make it okay. This is clear-cut theft. No gray area at all.
by KyleAAA
Thu May 11, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 12581

Re: Cost of car compared to Gross Income

My current car was about 13% of my then-household income a few years ago (income is significantly higher, these days). Wife also bought a car around the same time for roughly 10% of household income. So in total, about 23-25% at the time of purchase, I'd say. Plan to drive both of them for 10 years ...
by KyleAAA
Tue May 09, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park my fat stacks [money]?
Replies: 20
Views: 2328

Re: Where to park my fat stacks [money]?

To get 2% real I think you need at least 40% in equities with today's low interest rates. That said, $150k is less than 2% of 8 million so from a safe withdrawal rate perspective, it almost doesn't matter what you invest in. You could invest 100% in equities and only spend the dividends and be just ...
by KyleAAA
Tue May 09, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Can 8% rental income help my Early Retirement?
Replies: 35
Views: 3215

Re: Can 8% rental income help my Early Retirement?

I find that incredibly difficult to believe. Managing 10 properties should be significantly less work than a part-time job even if you're doing it yourself (< 3 or 4 hours per month unless the stars really align against you, which isn't common), and practically no work (< 30 minutes per month) if y...
by KyleAAA
Tue May 09, 2017 6:11 am
Forum: Investing - Theory, News & General
Topic: If everybody indexed, the only word you could use is chaos, catastrophe
Replies: 66
Views: 8110

Re: If everybody indexed, the only word you could use is chaos, catastrophe

If everyone else indexed, I would become an active trader and make a fortune. I really hope that happens.
by KyleAAA
Mon May 08, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Can 8% rental income help my Early Retirement?
Replies: 35
Views: 3215

Re: Can 8% rental income help my Early Retirement?

Taking care of rental properties is a job. So my question would be: Why are you taking on a new job in order to retire from a job. If you wanted to stay in a job, likely the one you're currently in pays more than the rental gig per hour. Perhaps stay in your current job and put the money into a 50/...
by KyleAAA
Mon May 08, 2017 6:23 am
Forum: Investing - Theory, News & General
Topic: Can 8% rental income help my Early Retirement?
Replies: 35
Views: 3215

Re: Can 8% rental income help my Early Retirement?

If you can actually find a property with an 8% cap rate in a decent location, sure. Those might be hard to find in desirable neighborhoods if you lack experience, though. You can easily find them in undesireable neighborhoods but you'll be really earning your paycheck at that point.
by KyleAAA
Sat May 06, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 2904

Re: Honda vs. Mazda vs. Ford

Honda is...fine. Most (not all!) model years are extremely reliable but they aren't particularly sporty or fun to drive. Better than Toyota, but still more on the appliance side of things I take it you have never driven an older Civic Si, Type R, or an Acura Integra/RSX. Every bit as fun as the Maz...
by KyleAAA
Sat May 06, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 2904

Re: Honda vs. Mazda vs. Ford

The Mazda is definitely the sportiest of the options you mentioned and reliability should be pretty close to that of Honda. If you're going to go with a Ford and want sporty, I'd recommend looking at the Focus instead of the Fusion. You can get both the Mazda3 and Focus as a hatchback. I own a Mazda...
by KyleAAA
Sat May 06, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: value stocks in taxable
Replies: 8
Views: 563

Re: value stocks in taxable

The smaller and more valuey of the small-cap value ETFs (like IJS and VIOV) tend to be every bit as tax efficient as the total market ETFs. In fact, IJS has been MORE tax-efficient than VTI over the past 10 and 15 year periods. Those that delve more into mid-cap territory, like Vanguard's VBR, tend ...
by KyleAAA
Fri May 05, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Crowd funded real estate?
Replies: 36
Views: 3107

Re: Crowd funded real estate?

I've also been exploring, dabbling in, investing in crowdfunded real estate the last few years. I wrote a big blog post about it a little while ago which detailed my returns so far, successes, disappointments etc. Far more work than just buying some REIT index fund. Hopefully worth it. To be honest...
by KyleAAA
Fri May 05, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation
Replies: 15
Views: 1276

Re: Retirement Allocation

Overall, I like your portfolio. It is more conservative than I would use, but that's fine. I would likely add a 10-15% allocation to TIPS since you are only 40% equities and no real estate.
by KyleAAA
Thu May 04, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Crowd funded real estate?
Replies: 36
Views: 3107

Re: Crowd funded real estate?

Most of these investments return in the neighborhood of 10%. Good, but not "this is suspicious, too good to be true" good. The argument that you're paying for a liquidity premium with REIT seems to be a logical one. I like Realty Shares because of the 4k or 5k investment minimums vs 25k o...
by KyleAAA
Thu May 04, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Too much Money?
Replies: 40
Views: 7249

Re: Too much Money?

$1,512,824 will definitely NOT generate $9,600 monthly. At least, it won't generate that much you can spend. The rule of thumb is that you can withdraw 4% of your portfolio (inflation adjusted) each year, so more like $5k per month.

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