Search found 6361 matches

by KyleAAA
Wed Apr 18, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Theoretical question. What would happen if 100% of investors are buy and hold.
Replies: 19
Views: 2030

Re: Theoretical question. What would happen if 100% of investors are buy and hold.

Active investing would become REALLY profitable in that scenario. I'd become an active investor.
by KyleAAA
Mon Apr 16, 2018 12:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads@MSFT
Replies: 7
Views: 1640

Re: Bogleheads@MSFT

Does this alias still exist?
by KyleAAA
Wed Apr 11, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6921

Re: New faster DNS - 1.1.1.1 by CloudFlare

When I enter vanguard.com in my browser, Comcast's DNS lookup returns IP address 192.175.191.200. I might disagree with my Comcast bill but I trust the IP address they return and the webpage I visit as a result of my browser receiving the IP address; I am happy to enter my username and password to ...
by KyleAAA
Tue Apr 10, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6921

Re: New faster DNS - 1.1.1.1 by CloudFlare

So I will continue to use Comcast-DNS instead of a PopUp-DNS. For the same reason, I keep my investment with Vanguard and Fidelity instead of investing with Bernie Madoff even knowing that Madoff's rate of return is better than what I will get from index funds. So I trust large and well-known. This...
by KyleAAA
Tue Apr 10, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6921

Re: New faster DNS - 1.1.1.1 by CloudFlare

CloudFlare is large and reputable and you already pass through their system daily when you visit any one of the huge number of mainstream websites they host the CDN for. This is a silly worry compared to just letting your ISP handle it. Don’t let your ISP handle it.
by KyleAAA
Sun Apr 08, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4400

Re: Handling ageism in tech

Management is also an option. Doesn’t hurt that it tends to pay a lot better. Management doesn't pay a lot better until you've gone through the first two levels of management. And those low-level management jobs are terrible (in my opinion, of course). Nothing but meetings all day with very little ...
by KyleAAA
Sun Apr 08, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4400

Re: Handling ageism in tech

Stay up-to-date on the latest tech and advertise it widely. Make sure to have a public github account. Management is also an option. Doesn’t hurt that it tends to pay a lot better. How are you picking and making meaningful and marketable work in your github account? I have an account but the are ju...
by KyleAAA
Sun Apr 08, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4400

Re: Handling ageism in tech

Stay up-to-date on the latest tech and advertise it widely. Make sure to have a public github account. Management is also an option. Doesn’t hurt that it tends to pay a lot better.
by KyleAAA
Tue Mar 27, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4063

Re: Savannah or Charleston?

We went to Charleston for a few days a couple of years ago and it was a great visit. Our son was 9 months old so we mostly walked around, went to the shops and out to eat, and did a couple of tours. I just sent an email to a co-worker and recommended Charleston so here is what I recommended: “Free”...
by KyleAAA
Tue Mar 27, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4063

Re: Savannah or Charleston?

I live in Atlanta and have been to both multiple times. Both are great. Charleston is a bit bigger, or at least the part of town you’re likely to spend all of your time in is. But otherwise, very similar. Charleston has maybe a bit more upscale flair, but the food in either place will blow your mind...
by KyleAAA
Sat Mar 24, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21727

Re: Anyone Deleting Facebook?

No. I derive a ton of value from FB.
by KyleAAA
Thu Mar 22, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: Are Apartment REITS a better diversifier than VG REIT Index?
Replies: 34
Views: 3525

Re: Are Apartment REITS a better diversifier than VG REIT Index?

According to portfoliovisualizer it is marginally less correlated to VTSMX than the REIT index. But it's still fairly highly correlated in absolute terms and, as you noted, holds significantly fewer stocks. I wouldn't be comfortable taking that much narrow sector risk for such a tiny potential diver...
by KyleAAA
Mon Mar 19, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 64
Views: 6510

Re: 50% of my portfolio in FANG - 15% in NVDA

I would not recommend this strategy.
by KyleAAA
Thu Mar 15, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Myrtle Beach
Replies: 26
Views: 2735

Re: Thoughts on Myrtle Beach

Myrtle Beach is fine, but it IS very developed and crowded during peak season. North Myrtle Beach is much more laid back. Whoever mentioned Folly Beach above is spot on. It has a tiny town with a few restaurants and such but only a single hotel. You can be in Charleston within 20 minutes. Isle of Pa...
by KyleAAA
Sun Mar 11, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Amount saved by age
Replies: 58
Views: 8226

Re: Amount saved by age

X times salary never made sense to me. I’m mid 30s and looking back, my income has grown about 16% per year compounded since I started working. Any rule of thumb that compares my savings to my salary is going to make it seem like I’m not saving enough at that growth rate, but the truth is I’ve never...
by KyleAAA
Sat Mar 10, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 18945

Re: What was your % pay raise?

200% raise this year. Got a new job.
by KyleAAA
Thu Mar 08, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 760K home
Replies: 32
Views: 2906

Re: Can we afford a 760K home

Yes, you can EASILY afford it and it's not even particularly close. Unless you have $200k in student loan debt and $30k in CC debt, that is. But if you're otherwise debt-free yeah, easily.
by KyleAAA
Mon Mar 05, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: How to measure _real_ return?
Replies: 10
Views: 1125

Re: How to measure _real_ return?

I would trust the BLS numbers. They use rigorous, peer-reviewed, transparent methods. It's probably substantially more likely that your experiences don't match with the average inhabitant (especially if you are in tech) than the BLS data being off.
by KyleAAA
Sun Feb 25, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 11523

Re: How Far is too Far, Commuting?

I find QOL starts to drop rapidly after about 30-35 minutes one-way for me. I guess it depends on how much you need the money, but I would recommend keeping your commute under 30 minutes unless you have a REALLY good reason.
by KyleAAA
Wed Feb 21, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Funds Launch
Replies: 30
Views: 4575

Re: Vanguard US Multifactor Funds Launch

Article discussing Vanguard's new factor funds on Morningstar today: http://www.morningstar.com/articles/851338/examining-vanguards-active-factor-etfs.html It explicitly states they break the universe into large/mid/smallcap stocks and sort each bucket individual, which leads me to believe maybe the...
by KyleAAA
Sat Feb 17, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 2851

Re: Selling Timber

I wouldn’t even consider negotiating this yourself if it’s a decent tract of land. Contact your state forestry service and they can give you pointers. Usually it’s best to have a certified forester negotiate on your behalf as you’re very likely to get ripped off if you go it alone. But if it’s only ...
by KyleAAA
Wed Feb 14, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock Units vesting- always sell immediately?
Replies: 7
Views: 714

Re: Restricted Stock Units vesting- always sell immediately?

I believe you are correct. You'll owe income tax on the value at the vest date regardless of whether or not you sell.
by KyleAAA
Sun Feb 11, 2018 10:11 pm
Forum: Investing - Theory, News & General
Topic: proper # of holdings in an income portfolio
Replies: 10
Views: 914

Re: proper # of holdings in an income portfolio

6.5% is likely too high of a withdrawal rate, yes. Conventional wisdom says to limit distributions to 4% in order to minimize the risk of running out of money. You won’t find much support for an income strategy here.
by KyleAAA
Sat Feb 10, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Borrow vs Pay Cash
Replies: 24
Views: 1926

Re: Borrow vs Pay Cash

I took the loan. Worked out very well this last time.
by KyleAAA
Sat Feb 10, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2155

Re: Is Rental Property/Income Same as Bonds

No, it is real estate. It is nothing at all like a bond. Instead of a stock/bond mix you have a stock/bond/real estate mix.
by KyleAAA
Fri Feb 09, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 6446

Re: Live / work in California - Technology Career

If you're in technology and want to move to California, the Bay Area is the only place to consider. Otherwise, you're much better off in Seattle. SF salaries without the SF COL, plus there's no state income tax. Still Bay Area is the only place to consider for Technology. Yes this is the reason as ...
by KyleAAA
Fri Feb 09, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 6446

Re: Live / work in California - Technology Career

If you're in technology and want to move to California, the Bay Area is the only place to consider. Otherwise, you're much better off in Seattle. SF salaries without the SF COL, plus there's no state income tax.
by KyleAAA
Wed Feb 07, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: 401k Insight Needed
Replies: 6
Views: 332

Re: 401k Insight Needed

You could roll over the 403b balance to a Traditional IRA at Fidelity or Vanguard, which would be my advice. You can do the math to decide whether or not you should convert the balance to a Roth. The tax-deferral of a 401k is very valuable so you should probably contribute even if the options aren't...
by KyleAAA
Wed Feb 07, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: market downturn
Replies: 13
Views: 1023

Re: market downturn

50/50 is very appropriate. No need to worry. I also don't think it's accurate to say there is an "expected nasty market." The economy is humming along just fine, after all.
by KyleAAA
Wed Feb 07, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15293

Re: Vanguard site is crashed now?

This is specifically what I was referring to as an unrealistic expectation: buccimane wrote: ↑Tue Feb 06, 2018 4:22 pm I have the expectation that a website holding most of my personal information on it should be able to handle traffic fluctuations without crashing completely. Yes, if you take thin...
by KyleAAA
Tue Feb 06, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15293

Re: Vanguard site is crashed now?

As stated, from a non-technical background, if a website is unable to remain operational it would not be a giant stretch for me to ponder the security of it. Also, having only been with Vanguard for < 6 months, it is concerning that I am being asked security questions that I did not select nor can ...
by KyleAAA
Tue Feb 06, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15293

Re: Vanguard site is crashed now?

The NYSE closed for about 4 months in 1914 due to the beginning of WWI. There have been brief closures or trading halts on many occasions since due to national security or technical issues. NYSE closure in 1914 is 100 years past relevancy. In this day and age, I have the expectation that a website ...
by KyleAAA
Mon Feb 05, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15293

Re: Vanguard site is crashed now?

I'm probably not alone in being willing to pay a few basis points more in my VG funds if that meant that their website wouldn't crash during high-demand periods. You already can in that you can buy their ETFs at a better brokerage. I'm sure there are still a few brokerages with Vanguard ETFs on the...
by KyleAAA
Mon Feb 05, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard REIT fund changes objective, name & index
Replies: 15
Views: 2621

Re: Vanguard REIT fund changes objective, name & index

Existing shareholders voted to make the change so I would imagine a majority are for it. It's only 3% of assets at most so I doubt it will have any significant impact.
by KyleAAA
Sun Feb 04, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Opening an LLC for investing: tax advantages?
Replies: 12
Views: 1442

Re: Opening an LLC for investing: tax advantages?

I would imagine this would be significantly LESS tax efficient because as an S-Corp you’d have to pay yourself a reasonable salary, potentially turning QDI and LTCG into ordinary income. Then there’s the added cost and complexity of the new entity on top of that.
by KyleAAA
Thu Feb 01, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 20675

Re: I bought a stock today - Redfin (RDFN)

Agree real estate market is ripe for disruption. Is Redfin the company to do it? No idea. There will be a day in the future where people buy houses online the way they buy clothes, though. Lots of challenges to overcome to get there, but it's coming.
by KyleAAA
Thu Feb 01, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Become a rent-to-own landlord?
Replies: 9
Views: 735

Re: Become a rent-to-own landlord?

This type of arrangement seems to be very common in condos where the HOA limits the number of units that can be rented at any given time. Lease-to-own is apparently a common loophole to get around those rules. But yeah, you charge a slightly above-average rent and agree to apply some percentage of t...
by KyleAAA
Wed Jan 31, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: undergrad major shortlist process
Replies: 20
Views: 1443

Re: undergrad major shortlist process

Both Ageism and offshoring is going on in Megacorp for seasoned design engineers with lots of experience. Although entry level jobs are good for electrical and mechanical, consider civil engineering. If psychology is a consideration, expect that the minimum level of education to make more money tha...
by KyleAAA
Tue Jan 30, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3692

Re: Should I join Linkedin?

For white collar professions I'd say it's essential. Most of your job leads are likely to come through linkedin these days.
by KyleAAA
Fri Jan 26, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12962

Re: Starting to feel like the late 1990s?

Valuations are definitely high but we don't have ridiculous situations where companies with no revenue (not just companies that were operating at a loss, companies that actually didn't have any significant revenue) were valued in the hundreds of millions based on eyeballs. There were other crazy hap...
by KyleAAA
Fri Jan 26, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are 100-year old homes junk?
Replies: 62
Views: 2377

Re: Are 100-year old homes junk?

In my experience build quality tends to be a lot higher in older homes, but of course that doesn't account for things like water damage. With a good inspector I think older homes are very safe buys.
by KyleAAA
Fri Jan 26, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Bond Portfolio for High Net Worth Individuals - Different Rules?
Replies: 67
Views: 7381

Re: Bond Portfolio for High Net Worth Individuals - Different Rules?

I don't think most people really consider $5M to be high net worth. Banks don't consider that to be high net worth either, although they may tell you that they do. I consider the bottom of HNW to be around $50M. Ralph $5M is definitely high net worth. It isn't ULTRA high net worth in the sense that...
by KyleAAA
Thu Jan 25, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential
Replies: 31
Views: 3256

Re: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential

Computer science graduates can make $100k a few years out of school. I’m not aware of any other options without committing to years of grad school, off the top of my head, CPA maybe?
by KyleAAA
Tue Jan 23, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Bond Portfolio for High Net Worth Individuals - Different Rules?
Replies: 67
Views: 7381

Re: Bond Portfolio for High Net Worth Individuals - Different Rules?

Same rules apply. Asset allocation should be based on need, ability, and willingness to take risk. Being wealthy impacts those 3 factors in various ways (less need to take risk but more ability, for example), but the underlying rules don't change.
by KyleAAA
Tue Jan 23, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: UHNW on paper - advice fire-testing AA
Replies: 7
Views: 500

Re: UHNW on paper - advice fire-testing AA

I'd likely invest conservatively in your situation but I wouldn't go 100% bonds. At a minimum, 20-30% in stocks seems wise just as an inflation hedge if nothing else. Even if your business decreased in value by 2/3, you'd still be set for life if you sold it at that price.
by KyleAAA
Sun Jan 21, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: 4% Rule Clarification in regard to taxes
Replies: 6
Views: 1040

Re: 4% Rule Clarification in regard to taxes

Pre-tax. Taxes are a cost like any other, so in your example above your living expenses are actually $50k. It’s a lot easier to manage your tax liability in retirement, though.
by KyleAAA
Sun Jan 21, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Please recommend an allocation now ( age 31) if retiring in 20 years ?
Replies: 33
Views: 2377

Re: Please recommend an allocation now ( age 31) if retiring in 20 years ?

Your allocation starting from $0 doesn’t matter at all. Just concentrate on saving 50% of your pretax income and the rest will fall in place. 80/20 is fine. So are 100/0 and 60/40.
by KyleAAA
Sun Jan 21, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 69451

Re: Quicken's future direction - a cause for concern

Another letter to customers from Eric Dunn, CEO of Quicken: Letter to the Quicken Community about the Membership Plan (November 2017) Since the launch of the 2018 releases of Quicken, we have heard questions from many of you about the new Membership Plan, where customers subscribe to Quicken on an ...
by KyleAAA
Sun Jan 21, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3600

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

The $3K is net (capital losses - capital gains), so it can be worth more to you, and you can also carry it forward [in unlimited amounts and use it to offset realized capital gains in any amount, and use that to offset ordinary income each year] at $3K a year. [...] When I read that statement, it l...