Search found 5915 matches

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: 10
Views: 353

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: 46
Views: 2250

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: 13
Views: 1144

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: 4214

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: 3876

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: 5067

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: 7863

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: 3
Views: 285

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: 359

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: 1812

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: 1812

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: 1624

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: 1624

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: 104
Views: 9824

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: 24
Views: 1761

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: 5384

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!
by KyleAAA
Sat Nov 05, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: "Unsupported Browser" messages
Replies: 9
Views: 720

Re: "Unsupported Browser" messages

Internet Explorer 11 is an out-dated browser. It is common for websites to only support the most recent version of a given browser, especially for Internet Explorer (most versions of IE were bad even when they were new). Try either upgrading to Edge or switching to Chrome/Firefox.
by KyleAAA
Mon Oct 31, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: New M* Review Article On Vanguard's Core Bond Fund
Replies: 4
Views: 786

Re: New M* Review Article On Vanguard's Core Bond Fund

Yes, it has a place. I won't be using it but if you want an active bond fund with (presumably) a bit more in corporate bonds, it's a reasonable choice. The cost is low enough that I wouldn't consider it a bad choice. No idea if it will out-perform on a risk-adjusted basis. I suspect it won't matter ...
by KyleAAA
Mon Oct 31, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Can I collect unemployment if I had a side-business?
Replies: 15
Views: 1687

Re: Can I collect unemployment if I had a side-business?

I was in the same situation in 2008. Georgia wouldn't allow it, but state rules probably vary.
by KyleAAA
Sun Oct 30, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is "Rent to Buy" a [home] a good idea for owner?
Replies: 9
Views: 1053

Re: Is "Rent to Buy" a [home] a good idea for owner?

Rent-to-own is very common and can be beneficial for both parties. You'll get better advice at a RE-focused forum like biggerpockets.com. The main benefit to the seller is potentially higher returns (you can usually raise rent accordingly). The major risk is missing out on a bull market in your area
by KyleAAA
Fri Oct 28, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Web advertising - who clicks on it?
Replies: 34
Views: 2923

Re: Web advertising - who clicks on it?

A lot of web advertisements are well-disguised enough that you've probably clicked on plenty even if you think you haven't. I rarely click on purpose but I sometimes do. Average click rates on the internet as a whole hovers around 1% for traditional online advertising but it's pretty easy to do sign...
by KyleAAA
Fri Oct 28, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 5379

Re: Sued for General Advice?

I'd love to hear a lawyer chime in because I may have a misunderstanding. My belief is that if you are asked for advice and give your opinion without charging for it, you're probably safe. If you claim to have a credential you don't or accept money in exchange for advice, you're in murky water.
by KyleAAA
Mon Oct 24, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Real estate investing....thoughts
Replies: 19
Views: 2428

Re: Real estate investing....thoughts

Real Estate investing requires skill and capital. If you are willing to invest the time and energy to acquire the skill and capital to do it properly you will tend to earn extremely attractive risk adjusted returns. Most of the people who warn you about real estate lost money because they lacked ski...
by KyleAAA
Sun Oct 23, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 5341

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

An Amazon S3 bucket would be pretty cheap for that small amount of data (500 gb is tiny by enterprise IT standards) . They have a price estimator somewhere you could use.
by KyleAAA
Sun Oct 23, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Car dealer "Internet Sales Department" - Useless?
Replies: 58
Views: 5637

Re: Car dealer "Internet Sales Department" - Useless?

If there are only 4 cars within a 75 mile radius and you are unwilling to budge on options, you probably aren't going to get the "going rate." They have you and they know it. The last car I bought there was only 1 with the options I wanted in the entire state. I paid $1000 more than I woul...
by KyleAAA
Sat Oct 22, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 6058

Re: Cheapskate for not flying business class?

Depends, how tall are you? At my age business class to Europe isn't worth it but business class to Asia definitely is: it is exponentially more comfortable and pleasant than coach for a 6'2" individual such as myself. I can deal with it for 6 or 7 hours but not 15 hours. Yeah, you arrive at the...
by KyleAAA
Sat Oct 22, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Internet going down
Replies: 32
Views: 3058

Re: Internet going down

The sites weren't really down so much as they were unreachable by certain users matching certain criteria. For example, CNN, Twitter and Reddit were up and working just fine for me all day due to a combination of my local DNS cache being up to date and my requests for those that weren't just happeni...
by KyleAAA
Thu Oct 20, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: pro's and con's of closing/reopening amazon.com account?
Replies: 31
Views: 2580

Re: pro's and con's of closing/reopening amazon.com account?

There are no pros, only cons. If they were going to sell your data (they wouldn't as it would be against their interests) they would have already done so. Deleting your account has no impact.
by KyleAAA
Tue Oct 18, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Buying house. Best mortgage option?
Replies: 22
Views: 2490

Re: Buying house. Best mortgage option?

Hi, I'm about to buy a house. Mortgage will be for 800K. Assuming that all of these payments will be <20% of our monthly income, which is the best option for us? Also, I could do a 10/1 ARM and pay 8K a month, but would it be advantageous to pay off a mortgage that quickly? (All my educational debt...
by KyleAAA
Mon Oct 17, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: Get Vaccines for Travel Outside US?
Replies: 21
Views: 1092

Re: Get Vaccines for Travel Outside US?

I usually get the recommended vaccinations.
by KyleAAA
Mon Oct 17, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Chicago recommendations
Replies: 40
Views: 2041

Re: Chicago recommendations

1.) I travel to Chicago regularly for work. The 'L' train is by far the cheapest way to get from O'Hare to the loop. Depending on the time of day, it may also be faster than taking a taxi/uber. 2.) No experience with this, but if you plan on staying in/around the loop and the River North neighborhoo...
by KyleAAA
Sat Oct 08, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Creating Portfolio That Generates Income
Replies: 6
Views: 1085

Re: Creating Portfolio That Generates Income

In general, a high-dividend approach is less efficient and riskier compared to a total return portfolio. You only appear to need something like 3.5% per year to fund your lifestyle without working, so why would you bother with a risky high-yield approach? Also, $30k of income from $750k in real esta...
by KyleAAA
Fri Oct 07, 2016 5:02 pm
Forum: Investing - Theory, News & General
Topic: US Housing/mortgage market starting to bubble again?
Replies: 30
Views: 4132

Re: US Housing/mortgage market starting to bubble again?

I recently closed on a mortgage and the process was astronomically more involved than the last time I bought property in 2006. Comparable credit score and down payments in both cases.
by KyleAAA
Fri Oct 07, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 7152

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

Interesting discussion - I also "want" a luxury vehicle, either an Audi q7 or Volvo XC90 in particular. My reasons: - They look far better than the Japanese brands! Any European car seems to have better lines, the new Toyota/Honda offerings are ugly :| I was right there with you until you...
by KyleAAA
Fri Oct 07, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 7152

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

You're missing out, yes. What you're missing out on depends on what you value. I like an athletic car so a "smooth" ride is exactly the opposite of what I want. But heated leather seats are really nice in the winter. Luckily you can get a lot of those luxury features on the top trim of reg...
by KyleAAA
Wed Oct 05, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: First time negotiating for a car. Have questions
Replies: 44
Views: 4225

Re: First time negotiating for a car. Have questions

I don't believe TrueCar or TMV pricing data includes taxes or dealer fees either. So by providing prices net of taxes and fees I made it simpler for anybody following this thread anywhere in the country to make their own online comparisons. I think I got a great price, but I gave enough data for pe...
by KyleAAA
Tue Oct 04, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: First time negotiating for a car. Have questions
Replies: 44
Views: 4225

Re: First time negotiating for a car. Have questions

Do you mind sharing what 6 percent off invoice is dollar-wise in this transaction? Here's the whole deal. To keep it simple I'm leaving out taxes and dealer fees. 2017 BMW X5 xDrive40e $76,800 MSRP $72,200 Invoice $67,500 Final Price I qualified for $3,000 in BMW incentives that dealers found for m...
by KyleAAA
Tue Oct 04, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: First time negotiating for a car. Have questions
Replies: 44
Views: 4225

Re: First time negotiating for a car. Have questions

My final OTD price is 12% less than MSRP price. My price is 6% under "invoice" price. Just for a laugh I double checked my price against TrueCar and Edmunds True Market Value. Both "True" prices are very close to "invoice" price. If I had accepted either of these offer...
by KyleAAA
Tue Oct 04, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: First time negotiating for a car. Have questions
Replies: 44
Views: 4225

Re: First time negotiating for a car. Have questions

I've been involved in 2 car purchases in the last year or so. A few points: Look at a service like Truecar.com to get an idea of what a fair price would be. Truecar won't be the lowest you could get, but it will be a reasonable price. You can probably subtract something like $500-600 for most models...
by KyleAAA
Sat Oct 01, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer use SAT/ACT scores?
Replies: 51
Views: 2745

Re: Does your employer use SAT/ACT scores?

Never heard of this. I would laugh at an employer if they asked me for my SAT score. I don't remember exactly what it was anymore nor how I would even find out. I likely wouldn't even agree to handing over a college transcript at this point.
by KyleAAA
Wed Sep 28, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 5012

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: 1039

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: 3385

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: 128
Views: 17221

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: 989

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: 23
Views: 2482

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: 5890

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: 5890

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: 5890

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: 9593

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.

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