Search found 5969 matches

by KyleAAA
Tue Feb 14, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 197
Views: 12564

Re: Why do you go to restaurants?

Eating out is a social event and the food is generally far, far better than what one can reasonably cook at home if you go to a finer-dining restaurant (finer dining doesn't necessarily have to mean expensive). It's also a lot more convenient and you don't have to clean up.
by KyleAAA
Tue Feb 14, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: What is the prediction of future long-term returns for your portfolio?
Replies: 63
Views: 4578

Re: What is the prediction of future long-term returns for your portfolio?

I think 4-5% real is probable for my highly tilted 70/30 portfolio over the next 20-30 years. If I get 6% real maybe I'll buy an extra yacht.

But I don't know anything.
by KyleAAA
Tue Feb 14, 2017 12:38 pm
Forum: Investing - Theory, News & General
Topic: help me understand factor analysis - Regression vs M* box
Replies: 8
Views: 321

Re: help me understand factor analysis - Regression vs M* box

What is your R squared? If it's below 95% or so you probably don't have a good match and shouldn't put much stock in the results. You definitely need to include term/credit since 30% of your portfolio is fixed income. Honestly, get rid of mid-cap value. It doesn't tilt heavily enough to justify incl...
by KyleAAA
Tue Feb 14, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 58
Views: 5691

Re: Is it reasonable to have 100% in the stock market?

Yes, 100% is reasonable in your situation. You don't have the need to take risks but you have the ability and desire. 50/50 is also reasonable in that you have the ability to take risks but not the need. Pick anything between those two extremes, stick with it through thick and thin, and it will almo...
by KyleAAA
Mon Feb 13, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Is 130k a good salary in IT?.
Replies: 40
Views: 5350

Re: Is 130k a good salary in IT?.

That's in the right ballpark for Atlanta. He won't make $200k there unless he goes into management and a chunk of that will be from stock or LTIP and not salary.
by KyleAAA
Mon Feb 06, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2324

Re: Microsoft requires cell number

Google Voice numbers can receive text messages. I tried that but Google wouldn't accept my landline as a forwarding phone number. Others have gotten around this by putting in their cell number first and then switching to their landline, which requires having a cell number in the first place. And th...
by KyleAAA
Mon Feb 06, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2324

Re: Microsoft requires cell number

Google Voice numbers can receive text messages.
by KyleAAA
Thu Feb 02, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Value/Growth Split Question
Replies: 18
Views: 767

Re: Value/Growth Split Question

No, you'd have a slight growth tilt assuming 50% Vanguard Value Index ETF and 50% Vanguard Growth Index ETF. Market (Bmkt) 1.01 Size (Bsmb) -0.12 Value (Bhml) -0.02 Momentum (Bmom) -0.01 R2 99.6% https://www.portfoliovisualizer.com/factor-analysis?s=y&regressionType=2&endDate=02%2F01%2F2017&...
by KyleAAA
Wed Feb 01, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Large chunk of cash - is putting it in a bond etf a safe play while market is up?
Replies: 16
Views: 1927

Re: Large chunk of cash - is putting it in a bond etf a safe play while market is up?

Today's high market is tomorrow's low market. Current Valuations seem pretty reasonable to me, especially if you're diversified globally.
by KyleAAA
Sun Jan 29, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 5162

Re: Please tell me if I can afford this Porsche

Obviously you can afford a Porsche on your income.
by KyleAAA
Sat Jan 28, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 5669

Re: Criteria for admittance to the 2-comma club

I include home equity in my net worth spreadsheet. It's only ~5% of my net worth anyway so I don't think it much matters.
by KyleAAA
Thu Jan 26, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: What investment firm for small investors?
Replies: 14
Views: 1197

Re: What investment firm for small investors?

I'd recommend Vanguard. Millenials do everything online anyway and a new small investor is unlikely to have a complicated situation.
by KyleAAA
Thu Jan 26, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: what to do if you don't want bonds
Replies: 23
Views: 2367

Re: what to do if you don't want bonds

Despite what you often hear in the press, rising rates are not disastrous for bonds. How did bonds perform the last time rates went up? Not that bad and you'd have come out ahead after a relatively short period.
by KyleAAA
Mon Jan 23, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 3746

Re: Why is Slicing/Dicing not Working?

It has worked. Real portfolio I actually invested in, starting Jan 2009 using the same parameters OP used: 15% total stock market 15% small cap value 10% REIT 12.5% international large value 12.5% international small value 5% emerging markets (VWO) 15% intermediate term bond index 15% TIPS My tilted...
by KyleAAA
Mon Jan 23, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 63
Views: 7480

Re: Carribean island most like Hawaii

There are bad neighborhoods everywhere. There are areas in most large American cities at least as bad as the bad parts of the caribbean in terms of crime. If you pay attention to your surroundings and aren't actively seeking out bad areas, there really isn't much to fear, even on the "crime-rid...
by KyleAAA
Mon Jan 23, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 63
Views: 7480

Re: Carribean island most like Hawaii

I've never been to Hawaii but Puerto Rico has everything you mention. Costa Rica and Jamaica do as well.
by KyleAAA
Sun Jan 22, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9003

Re: Advice for Investing $4M to get 4% Return with Least Risk

I would probably start with an allocation similar to the Vanguard Target Retirement Income fund, splitting things apart to keep things tax-efficient (equities and potentially muni bonds in taxable, taxable bonds in tax-advantaged accounts, etc). It lost 11% in 2008, though, so there is some risk.
by KyleAAA
Sat Jan 21, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: When/If a degree is useful for software developers?
Replies: 45
Views: 2934

Re: When/If a degree is useful for software developers?

There's such a shortage of capable software engineers that if you have a few years experience and interview decently, you aren't going to be held back by lack of a CS degree. A few companies might filter out his resume, but there are more jobs than qualified candidates in most larger cities so it wo...
by KyleAAA
Sat Jan 21, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portafolio Allocation - Wealth Preservation - Moving away from wealth managers
Replies: 17
Views: 1200

Re: Portafolio Allocation - Wealth Preservation - Moving away from wealth managers

Thanks. I'll make a point to increase Int holdings to 20%. I will also remove the s&P 500 given the total small market covers that. Will also move to the small cap index instead. So about what I expect to learn. 1. If my portfolio beats the managed one - then I am fully out. It's 1.5% and it's ...
by KyleAAA
Sat Jan 21, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portafolio Allocation - Wealth Preservation - Moving away from wealth managers
Replies: 17
Views: 1200

Re: Portafolio Allocation - Wealth Preservation - Moving away from wealth managers

I think it's unwise to compare performance of an indexed portfolio with a managed one over a 5 year period. What do you expect to learn? Either portfolio could outperform based on nothing but pure luck. You either believe the research that says costs matter and passive investing works best or you do...
by KyleAAA
Thu Jan 19, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: VG Rep [doesn't know why commodity ETFs are shown under bonds in online AA]
Replies: 16
Views: 981

Re: VG Rep [doesn't know why commodity ETFs are shown under bonds in online AA]

What would you have liked to them to do other than say "we'll get back to you with an update?" If they use a 3rd party tool and the tool is classifying things incorrectly, they aren't going to be able to get you an answer. I view this level of service as reasonable.
by KyleAAA
Wed Jan 18, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: How to improve my income as software lead/manager?
Replies: 52
Views: 5079

Re: How to improve my income as software lead/manager?

Where are you located? $180k is actually quite good for a team lead outside of one of the HCOL Tech hubs.
by KyleAAA
Fri Jan 13, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with asset LOCATION and rebalancing
Replies: 23
Views: 1118

Re: I need help with asset LOCATION and rebalancing

I'd work to minimize costs across my entire portfolio and not treat them separately. I have a more complex slice and dice portfolio across 7 different accounts (taxable, his & her 401ks, his and her Roth and rollover IRAs) and it took me less than 30 minutes recently to rebalance across all of t...
by KyleAAA
Sun Jan 08, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ratios and Index Funds
Replies: 8
Views: 539

Re: Help with Ratios and Index Funds

The target retirement funds are, in fact, composed solely of index mutual funds. You cannot invest in an index, only in a mutual fund that tracks an index. Vanguard is the best in the business at doing that, so you're in good hands. You're likely best off leaving your money in the 2035 fund. In term...
by KyleAAA
Fri Jan 06, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 5979

Re: I am timing the market. Why am I wrong?

Nobody can predict the market. Even if you were right that the market is overvalued, there's no guarantee the market will behave accordingly. I don't know what the market will do this year or the next 10, which is why I don't try to time it. I think the "why am I wrong?" question is fundam...
by KyleAAA
Fri Jan 06, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 42
Views: 3243

Re: Requirements to change passwords frequently?

Yes, there is strong evidence. The main benefit is that most people will tend to reuse the same password in multiple places unless you prevent them from doing so (which requiring regular changes does semi-effectively). Otherwise, a breach of some other system you don't control can easily become a br...
by KyleAAA
Fri Jan 06, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Diversication [into real estate]
Replies: 17
Views: 1044

Re: Diversication [into real estate]

My opinion is that you should probably own a separate REIT fund in a tax-advantaged account. The tiny amount in the total stock market fund doesn't reflect the investable universe well enough for me. Since commercial real estate accounts for roughly 13-14% of US GDP, I think a 10% allocation is reas...
by KyleAAA
Thu Jan 05, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Yet another reason to dislike Vanguard's "upgraded" accounts
Replies: 7
Views: 1157

Re: Yet another reason to dislike Vanguard's "upgraded" accounts

Is the money not invested in your desired asset allocation during the 7 day holding period? Is it sitting in cash earning no interest?

I don't see them reversing this change , it's just too advantageous for them from a cost perspective.
by KyleAAA
Tue Jan 03, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Is this asset allocation correct?
Replies: 23
Views: 1496

Re: Is this asset allocation correct?

There is no such thing as a "correct" asset allocation. 40/60 seems overly conservative for the average 59 year old but other than that, the allocation looks quite good for what you're trying to accomplish. What return did the portfolio earn and what return would you have expected? There's...
by KyleAAA
Mon Jan 02, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Another view on Vanguard security
Replies: 20
Views: 2374

Re: Another view on Vanguard security

If you use 2fa and change your password regularly you'll be fine. They prefer it to limiting access to your home computer for a lot of reasons, not least of which being it's actually pretty difficult for a website to definitively identify a specific computer in a secure way.
by KyleAAA
Sun Jan 01, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Fund bond allocation has me concerned
Replies: 13
Views: 1241

Re: Vanguard Target Fund bond allocation has me concerned

13% bonds is more aggressive than even the age-20 in bonds rule of thumb (which few would call conservative) but I think it's probably closer to the mark than 40% bonds for a 43 year old. It's your money so do what helps you sleep at night, but the TRF allocation isn't unreasonable IMO.
by KyleAAA
Fri Dec 30, 2016 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Paying myself a salary for investment and tax management?
Replies: 71
Views: 4455

Re: Paying myself a salary for investment and tax management?

Sure, that part is fine. The math is clearly worthwhile, at least if you don't value your time too highly and/or are willing to put in some upfront time/cost to reach a longer term more favorable business arrangement. That's the disagreement. IMO the probability that the math will work out is quite...
by KyleAAA
Fri Dec 30, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Paying myself a salary for investment and tax management?
Replies: 71
Views: 4455

Re: Paying myself a salary for investment and tax management?

I prefer Supreme Court Justice Learned Hand's interpretation of "the spirit of the law" to whatever yours is that is "clearly violated", but to each his own. https://en.m.wikiquote.org/wiki/Learned_Hand His would seem to agree with mine: "There is no surer way to misread an...
by KyleAAA
Fri Dec 30, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Paying myself a salary for investment and tax management?
Replies: 71
Views: 4455

Re: Paying myself a salary for investment and tax management?

Of course you can do this, you just need the right setup. Don't believe all these arm chair pessimists - the collective here tends to be super conservative when it comes to any sort of legal tax avoidance, I don't think anybody here is arguing OP can't do it, just that it may or may not violate the...
by KyleAAA
Thu Dec 29, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2020 - A Not Insignificant Tracking Error?
Replies: 5
Views: 845

Re: Vanguard Target Retirement 2020 - A Not Insignificant Tracking Error?

I'd expect the tracking error (0.28%) to be roughly equal to the expense ratio over 1 year (0.14%). So slightly higher than I would expect based on the ER, but I would expect it to normalize over time.
by KyleAAA
Thu Dec 29, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Long-term investment vehicles
Replies: 5
Views: 501

Re: Long-term investment vehicles

Why not a target retirement fund or one of the life strategy funds? This is literally the ideal use case for one of those.
by KyleAAA
Thu Dec 29, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Paying myself a salary for investment and tax management?
Replies: 71
Views: 4455

Re: Paying myself a salary for investment and tax management?

You need to consult a professional tax lawyer as I suspect the IRS would frown upon this. Don't forget to take into account that retirement plan contributions don't let you avoid fica taxes. I seriously doubt the math works out on this one.
by KyleAAA
Wed Dec 28, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: REITs and Small Cap funds?
Replies: 9
Views: 603

Re: REITs and Small Cap funds?

I would say the empirical evidence points firmly in the slice 'n dice direction IMO. That said, a small tilt probably won't make any difference. Unless you're planning on putting at least 20% of your equities in small caps I wouldn't bother. I personally go 50/50 large/small. There are no guarantees...
by KyleAAA
Tue Dec 27, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Personal House as LLC
Replies: 10
Views: 915

Re: Personal House as LLC

This sounds suspiciously like tax fraud. In any event, I wouldn't recommend you follow his lead without consulting a tax attorney and/or CPA (or whomever it is you consult for advice on avoiding tax fraud).
by KyleAAA
Tue Dec 27, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12859

Re: I'll never save a 20% down payment. Rent for life?

It isn't a bad idea to buy a home with less than 20% down. I would wager a large majority of first-time home buyers don't have 20% saved.
by KyleAAA
Mon Dec 26, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 11094

Re: At what age, income, and NW would you buy a $50k car?

I would look at my financial situation holistically and make a decision based on that. I don't think it's reasonable to set net worth and age limits on purchases because there are too many variables.
by KyleAAA
Sun Dec 25, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being smart with this car purchase?
Replies: 58
Views: 4926

Re: Am I being smart with this car purchase?

You can easily afford the car on your income but "last 10-12 years" and "BMW" are rarely used in the same sentence, at least not this century. It will last that long but you probably aren't going to like how much money you'll have to pour into it to do so.
by KyleAAA
Sun Dec 25, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: What are the REAL reasons to avoid international?
Replies: 71
Views: 5372

Re: What are the REAL reasons to avoid international?

None. There are no legitimate reasons to completely avoid international if you have an equity allocation of any size. A US-only portfolio MAY outperform a mixed portfolio on a risk-adjusted basis over the long term but the odds are so against it and the potential downside of being wrong so severe th...
by KyleAAA
Sat Dec 24, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan through PenFed. They require a VIN number?
Replies: 34
Views: 2373

Re: Auto loan through PenFed. They require a VIN number?

There's a very good chance the dealership will be able to beat Penfed's interest rate so I would at least give them a chance to try.
by KyleAAA
Fri Dec 23, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: Financial Independence is not the Holy Grail
Replies: 85
Views: 9127

Re: Financial Independence is not the Holy Grail

This article doesn't convince me to stop making saving money for financial independence my #1 priority. I don't have the option of cutting back from 16 to 12 shifts a month. I've never seen a software dev job that allows that. My job has required me to work 60+ hours a week for the past few months ...
by KyleAAA
Thu Dec 22, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Help choosing a mattress
Replies: 38
Views: 3043

Re: Help choosing a mattress

We got a Simmons Beautyrest Black king mattress a few months ago. Expensive but worth every penny IMO. I don't remember exactly what we paid but I seem to recall it being in the $2500 range, could be wrong.
by KyleAAA
Wed Dec 21, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Fortune Article - Vanguard Flexes Its Muscle
Replies: 43
Views: 5437

Re: Fortune Article - Vanguard Flexes Its Muscle

Are we a cult? I believe the Wells Fargo factoid is correct.
by KyleAAA
Tue Dec 20, 2016 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: International Index Funds
Replies: 29
Views: 2898

Re: International Index Funds

The last 20 years have favored the US stock market. Will the next 20 years look like the last 20? I wouldn't bet on it which is why I put 50% of my equity allocation in foreign stocks.
by KyleAAA
Tue Dec 20, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative at 65/35?
Replies: 37
Views: 6542

Re: Am I being too conservative at 65/35?

You're well on target. When you say you want to retire on $120k per year, does that include social security or is that in addition to social security? I ask because if it includes social security, you are probably much closer to where you need to be than you think.
by KyleAAA
Thu Dec 15, 2016 10:48 pm
Forum: Investing - Theory, News & General
Topic: What do you think is in more of a bubble right now?
Replies: 57
Views: 6740

Re: What do you think is in more of a bubble right now?

I'd say neither is particularly bubbly.

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