Search found 5949 matches

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: 13
Views: 572

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: 4817

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: 1066

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: 503

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: 5712

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: 31
Views: 2010

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: 1002

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: 1099

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: 1454

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: 2262

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: 1199

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: 4349

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: 4349

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: 4349

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: 822

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: 476

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: 4349

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: 545

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: 881

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: 12599

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: 10768

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: 4764

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: 5235

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: 2151

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: 8990

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: 2916

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: 5354

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: 2827

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: 6490

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: 6591

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

I'd say neither is particularly bubbly.
by KyleAAA
Wed Dec 14, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: FED Raises Rates - Sky Falls! Bond Prices are UP!
Replies: 28
Views: 5152

Re: FED Raises Rates - Sky Falls! Bond Prices are UP!

The Fed was widely expected to raise rates today but the mention of potentially raising rates 3 times next year was not widely predicted. But even if the information were priced in, there's always a probability it won't happen so you would expect that to be baked in as well. So once the probable bec...
by KyleAAA
Tue Dec 13, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: How to work a minimum wage job, retire a multimillionaire, and leave your grandchildren multibillionaires
Replies: 17
Views: 2544

Re: How to work a minimum wage job, retire a multimillionaire, and leave your grandchildren multibillionaires

For this to work you can't spend any of the money. So while you'd technically require a multimillionaire, you'd be eating cat food. This is a horrible plan.
by KyleAAA
Sun Dec 11, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6078

Re: Ideal two vehicle combo?

I'd go with the Mazda6 manual over the Accord if driving is important to you. The shifter in my 3 is a dream.
by KyleAAA
Sun Dec 04, 2016 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Net Worth Calc: Do I Include Est. LT Tax Liabilities?
Replies: 11
Views: 738

Re: Net Worth Calc: Do I Include Est. LT Tax Liabilities?

I don't. There are too many unknowns around future tax laws 30+ years out that it isn't profitable to me to put any effort into tracking it.
by KyleAAA
Sun Dec 04, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Consider Dividends As Income?
Replies: 65
Views: 4163

Re: Do You Consider Dividends As Income?

In the sense of "I saved X% of my income last year" no, I do not consider them income. When I retire or get to the point where dividends are sizeable compared to my W2 income (say, at least 50% or so) I probably will. It's not an important distinction in my mind.
by KyleAAA
Sat Dec 03, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move in order to save on taxes?
Replies: 21
Views: 2165

Re: Should I move in order to save on taxes?

It doesn't make any sense IMO, at least not until you're talking tens of thousands per year in savings. Personal considerations should out-weigh tax considerations. Do you like Texas more than Nebraska?
by KyleAAA
Thu Dec 01, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: The new normal: 2%, 3%?
Replies: 72
Views: 4596

Re: The new normal: 2%, 3%?

2-3% is unreasonably conservative. Far more important than anything else is to maintain flexibility. You can start with 4% and adjust downward if you have any ability to reduce expenses if things don't go well. And if you don't have said ability, does it matter anyway?
by KyleAAA
Wed Nov 23, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 4520

Re: How Much Housing Payment Can a Boglehead Afford?

You have to use an income-based rule and it has to take into account other debt since otherwise you ignore the fact that the same size mortgage is much more affordable at 4% with no other debt than 6% with a $500 monthly student loan payment. On that note, I think the FHA debt ratio requirements are...
by KyleAAA
Mon Nov 21, 2016 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: facebook
Replies: 45
Views: 5211

Re: facebook

These guys are smart enough (engineering wise and business wise) that they will figure out a way to make money.... I hypothesize that their importance/business will rise way more than it is now. The Toyota guys were doing great until they installed millions of defective air bags. The VW guys were d...
by KyleAAA
Fri Nov 18, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 8992

Re: Honda Cars

Excellent reliability, probably the best on average (I'd put them above Toyota at this point). Their vehicles tend to be more appliance-like and boring to drive than a manufacturer like Mazda, but sportier than a manufacturer like Toyota. Their manual gearboxes in particular are quite good. Interior...
by KyleAAA
Thu Nov 17, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Investment fund to IRA?
Replies: 5
Views: 436

Re: Investment fund to IRA?

Obligatory "this is not a good idea and is practically guaranteed to backfire" warning. But we need more info. Where is this fund currently held? Is it in a regular taxable account? If so, you'll probably owe tax when you sell it. Is it at a full-service brokerage? There might be a fee to ...
by KyleAAA
Tue Nov 15, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to count rental property in traditional asset allocation models?
Replies: 7
Views: 402

Re: How to count rental property in traditional asset allocation models?

The obvious solution is the best one: include it as part of your asset allocation and do a rough valuation once a year. It doesn't need to be particularly accurate, so getting within $50k or so is probably good enough. I don't think it makes any sense to exclude rental properties from your AA just b...
by KyleAAA
Thu Nov 10, 2016 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Would a Computer Science certificate benefit my career?
Replies: 29
Views: 1939

Re: Would a Computer Science certificate benefit my career?

The program is free (paid for by my employer). I haven't done much programming. I want to mention that it isn't a certification. (Like Microsoft Networking Certification, etc). Rather, it's a piece of paper saying I've completed half a masters program in computer science. Do you have a link to the ...
by KyleAAA
Thu Nov 10, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Would a Computer Science certificate benefit my career?
Replies: 29
Views: 1939

Re: Would a Computer Science certificate benefit my career?

Certifications are generally considered worthless in the software field but the fact that it's from Stanford may carry some weight. But it wouldn't really differentiate you from any other self-taught programmer IMO. How expensive is it? Are you already a decent programmer?
by KyleAAA
Tue Nov 08, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers Not Blocking
Replies: 24
Views: 1692

Re: Ad Blockers Not Blocking

I don't understand why people create ads that scream at users and flash. If the ads were quiet and not moving, I probably wouldn't mind them. Surely that is better for the advertisers than people not seeing them at all. Users are much more likely to click on ads that scream at them. Users are also ...
by KyleAAA
Tue Nov 08, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers Not Blocking
Replies: 24
Views: 1692

Re: Ad Blockers Not Blocking

Ads aren't the problem, the sites who abuse their users by showing too many of them are. Speak with your feet and refuse to use sites that have an overbearing number of ads. Ads are how many websites pay the bills and you cost them money every time you make a request to their server. At the very lea...
by KyleAAA
Mon Nov 07, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 12703

Re: Which state to move for milder weather

My top list for mild-weather tech hubs would be Austin, Atlanta, and Raleigh-Durham. You might also consider Seattle, which doesn't get nearly as cold as you're used to in Michigan.
by KyleAAA
Mon Nov 07, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Income funds
Replies: 26
Views: 2092

Re: Income funds

Thanks, I'm trying to keep is simple for my 83 year old mother if possible and put her in just one fund, maybe the 1/5th SPIA idea at most. Simpler solutions very appreciated. Thanks! Along those lines, maybe 1/5-to-1/3 in an SPIA and the rest in the Vanguard Target Retirement Income Fund? It's onl...
by KyleAAA
Sun Nov 06, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Why do people use banks?
Replies: 66
Views: 6351

Re: Why do people use banks?

In my experience, banks and credit unions offer roughly comparable service. I don't see knew as being noticeably superior than the other. If you've found a great credit union or bank, great!

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