Search found 6150 matches

by KyleAAA
Sat Aug 19, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 66
Views: 4468

Re: How useful is a home security system?

My alarm system will go off if it detects broken glass and will call the security company. If I don't answer the phone, police will be dispatched. I'd say there's not much if anything a burglar could do to avoid it other than maybe laser cutting the glass silently, although I think it would still go...
by KyleAAA
Sat Aug 19, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: New to 401k. How is this Match?
Replies: 10
Views: 606

Re: New to 401k. How is this Match?

I don't think you can contribute at all for at least a year. Match is below-average but immediate vesting is nice.
by KyleAAA
Fri Aug 18, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 61
Views: 5673

Re: Study: The Rate of Return on Everything, 1870-2015

In the 2 residential markets that I know well, the latter being London UK, the residential market is pretty efficient. It is inefficient in the sense that it is relatively easy to buy real estate well below its "value." While a given property's value may be fairly efficiently discovered, that means...
by KyleAAA
Fri Aug 18, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 61
Views: 5673

Re: Study: The Rate of Return on Everything, 1870-2015

Considering the difficulty of obtaining global real estate price levels, rent to price ratios, maintenance costs, transaction costs, etc back into the 1800s, I think it's far more likely that their numbers are off. That's my takeaway but I need to better understand their methodology. Really? We kno...
by KyleAAA
Wed Aug 16, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 61
Views: 5673

Re: Study: The Rate of Return on Everything, 1870-2015

That residential real estate beat stocks is intuitive to me. It's not a coincidence so many people have gotten rich off real estate.
by KyleAAA
Tue Aug 15, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: REITs a disappointment, yet still useful
Replies: 19
Views: 2497

Re: REITs a disappointment, yet still useful

REITs do not behave exactly like equities or bonds. They are useful in a diversified portfolio because of the rebalancing power and the low correlation. Well, according to portfolio vizualizer, VNQ has a correlation with VTI of 0.78 over the period 2004 to the present. Not 1.0, but still pretty hig...
by KyleAAA
Tue Aug 15, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6345

Re: Is $9000 too much for a sectional sofa ?

Am currently sofa shopping (not for a huge sectional as our living room is on the smaller side) and $9000 doesn't seem out of reason for something that large. You could easily spend $5000-6000 for a good quality regular-sized leather sectional.
by KyleAAA
Mon Aug 14, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: When stocks drop, which bond funds usually do best and worst?
Replies: 25
Views: 2447

Re: When stocks drop, which bond funds usually do best and worst?

I'd guess treasuries would do best in a rush to safety, but I'm too lazy to actually check.
by KyleAAA
Sun Aug 13, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 4192

Re: Bernstein's Simpleton's Portfolio

That portfolio is perfectly fine. It has exposure to the beta and size factors, but not value, momentum, or quality. I would go with IJS/VIOV rather than VSMAX and VTSMX rather than VFIAX to add value exposure and perhaps slightly more tax efficiency to an otherwise solid portfolio, but that's by no...
by KyleAAA
Sun Aug 13, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Total Int'l Stock Index - how to track?
Replies: 15
Views: 1174

Re: Total Int'l Stock Index - how to track?

The ETF version (VXUS) trades throughout the day.
by KyleAAA
Fri Aug 11, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 65
Views: 6825

Re: 20% In REITS?

For those who invest specifically in REITs, why not get them from a small Cap value fund instead? Does anyone investing in REITs also separately tilt to SCV? I do. But I tilt using IJS/VIOV which has less than half the REITs compared to the Vanguard small-cap value fun (4.3% vs 9.2%). Given that do...
by KyleAAA
Fri Aug 11, 2017 6:52 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 65
Views: 6825

Re: 20% In REITS?

If you include all the REITs in SCV and TSM I'm at roughly 13%. 20% isn't unreasonable if you're prepared for the volatility and commit to owning them for a looooooong time.
by KyleAAA
Thu Aug 10, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5715

Re: Delta priority boarding - first timer

Sounds like you've been lucky and haven't had your bag lost multiple times the way many of us have. The potential severely large inconvenience of having to deal with no luggage when you reach your destination just isn't worth the risk. I've had my bags lost. It's just not a big deal. They've always...
by KyleAAA
Tue Aug 08, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5715

Re: Delta priority boarding - first timer

Not when you take into account how extremely rare it is for a bag to be lost. I wouldn't call 2% extremely rare (according to SITA - 5.73 bags were lost for every 1000 passengers last year - but only an average of 30% of passengers are checking bags so ~2% of checked bags are delayed or lost) altho...
by KyleAAA
Tue Aug 08, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5715

Re: Delta priority boarding - first timer

Personally - I don't think carrying a bag on is a big deal - at best it saves a good 10 to 15 minutes when you land (depending upon airport) - at worse - you might have to check it at the gate - in both cases it far beats your bag being delayed or lost. To each their own I suppose. Not when you tak...
by KyleAAA
Tue Aug 08, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5715

Re: Delta priority boarding - first timer

Personally - I don't think carrying a bag on is a big deal - at best it saves a good 10 to 15 minutes when you land (depending upon airport) - at worse - you might have to check it at the gate - in both cases it far beats your bag being delayed or lost. To each their own I suppose. Not when you tak...
by KyleAAA
Mon Aug 07, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5715

Re: Delta priority boarding - first timer

Sounds like you've been lucky and haven't had your bag lost multiple times the way many of us have. The potential severely large inconvenience of having to deal with no luggage when you reach your destination just isn't worth the risk. I've had my bags lost. It's just not a big deal. They've always...
by KyleAAA
Mon Aug 07, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5715

Re: Delta priority boarding - first timer

Interesting to read all the comments about not checking bags. I went through that phase as fairly frequent business traveler, but totally past it now. Unless it is very short trip, I always check my bag. I'm generally carrying a fairly full backpack of laptop and other work-related material that I ...
by KyleAAA
Sun Aug 06, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 1695

Re: Question for Buick Verano (non turbo) or Mazda3 owners

There is no car on the market today whose engine isn't fine for highway driving. If you otherwise like the car and don't care that going from 0-60 could take 9 seconds, buy the Buick. Most reviews are written by enthusiasts who care about such things. I own a 2015 Mazda3 Grand Touring with the manua...
by KyleAAA
Sun Aug 06, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5715

Re: Delta priority boarding - first timer

Interesting to read all the comments about not checking bags. I went through that phase as fairly frequent business traveler, but totally past it now. Unless it is very short trip, I always check my bag. I'm generally carrying a fairly full backpack of laptop and other work-related material that I ...
by KyleAAA
Sat Aug 05, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: multi-location restaurant owner needs advice
Replies: 9
Views: 762

Re: multi-location restaurant owner needs advice

I'd keep investing in the business BUT I would also maximize all the tax-deferred retirement space available to me as a self employed individual (solo 401k, etc). What you are doing works and so long as you aren't taking on significant debt to open new restaurants I don't see a compelling reason to ...
by KyleAAA
Sat Aug 05, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Beach condo investing
Replies: 32
Views: 4313

Re: Beach condo investing

Real estate in general is a fine asset class but it's difficult to imagine beachfront condos aren't fully valued right now. Wait for the next recession if you're going to do this. I live in Atlanta and I'd love to own a Florida panhandle beach condo for personal use, but every time I pull up Trulia ...
by KyleAAA
Sat Aug 05, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Does the Tony Robbins/Ray Dalio portfolio make sense at today's low rates?
Replies: 17
Views: 1230

Re: Does the Tony Robbins/Ray Dalio portfolio make sense at today's low rates?

Low rates don't happen in a vacuum. If rates impact the returns of bonds, they also impact the returns of ALL assets. Given that, what alternatives do you have that aren't also influenced by interest rates? IOW, what would you invest in instead? Stocks? Okay but low rates push stock valuations up so...
by KyleAAA
Sat Aug 05, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: S&P500: Good enough or worth it to splice a TSM proxy?
Replies: 7
Views: 746

Re: S&P500: Good enough or worth it to splice a TSM proxy?

S&P 500 had a slight negative size loading. Definitely worth it IMO if you have decent funds available to do so, which you do.
by KyleAAA
Fri Aug 04, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5715

Re: Delta priority boarding - first timer

The only thing zone1 buys you is the relative certainty of overhead bin space when you board.
by KyleAAA
Thu Aug 03, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 89
Views: 7825

Re: 85/15 too aggressive at age 35?

Totally reasonable so long as you don't panic in a bear market.
by KyleAAA
Wed Aug 02, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3414

Re: Startup vs big company (financial equity at stake)

Now about that job hopping... Maybe it's different in the tech industry, but why don't you aim for being at each company ~10 years. That could hurt you in future job applications. It is very different in the tech industry. Staying at a single company for 10 years in tech is almost inconceivable unl...
by KyleAAA
Wed Aug 02, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3414

Re: Startup vs big company (financial equity at stake)

Hmmm, if the compensation was close I'd say stick with the startup. But Google is offering SUBSTANTIALLY more and it's a large, stable company so I'd say those RSUs are as good as cash: maybe not dollar-for-dollar over 4 years, but probably close. I'd probably go with Google in this case. Realistica...
by KyleAAA
Wed Aug 02, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 7318

Re: How far off are Zillow's estimates?

Zillow publishes their accuracy on a per-city basis:
https://www.zillow.com/zestimate/#acc

The below link opens an xls file
https://www.zillowstatic.com/cms/Zestim ... -03-31.xls
by KyleAAA
Tue Aug 01, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing - Less Effective?
Replies: 5
Views: 432

Re: Factor Investing - Less Effective?

This is a terribly non-useful methodology. What were the aggregate factor loadings of the 1000 random portfolios? For example, value and momentum tend to be negatively correlated. Put them together and you tend to get 0 exposure to either factor, which leaves...beta. Not surprising. Building a succe...
by KyleAAA
Tue Aug 01, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Are value stocks safer or more risky?
Replies: 49
Views: 3749

Re: Are value stocks safer or more risky?

They are using 2 completely different and unrelated definitions of value stocks. Buffett defines a value stock as one whose market price is substantially lower than its intrinsic value. That doesn't mean it's a low-PE or low-PB stock; indeed, it could be quite expensive by any traditional measure an...
by KyleAAA
Mon Jul 31, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: How much income and down payment to afford 300k house?
Replies: 50
Views: 4052

Re: How much income and down payment to afford 300k house?

Static "you can afford X times income" rules-of-thumb are useless in this low rate environment IMO. Traditionally it was 2.5-3x income but with today's rates it isn't unreasonable that 5x income today is as affordable as 3x income at 8%. OP can clearly afford this house. The math works. Wi...
by KyleAAA
Thu Jul 27, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 4954

Re: Why is everything done with a mouse?

Because it's by far the most efficient way of allowing the majority of users to interact with a software system. Gmail may have a lot of keyboard shortcuts, but most users don't even know they exist and don't use them. Can you imagine having to remember 100 different keyboard shortcuts for 100 diffe...
by KyleAAA
Thu Jul 27, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Expected rate of return
Replies: 26
Views: 1773

Re: Expected rate of return

5% nominal is too pessimistic IMO but that's not necessarily a bad thing when making projections. You're likely to be surprised on the upside. For the same reason, I project 3% real even though I think it's likely I'll get more like 5% real over the long term.
by KyleAAA
Thu Jul 27, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Why are they beating S/P? What am I missing?
Replies: 72
Views: 4318

Re: Why are they beating S/P? What am I missing?

Eh, a lot of people beat the market over long periods. Mathematics says there will have to be many such people. It's nothing really to be impressed by IMO.
by KyleAAA
Wed Jul 26, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Sonoma/Napa or Banff for anniversary?
Replies: 18
Views: 1687

Re: Sonoma/Napa or Banff for anniversary?

Both would be great but I'd choose Banff unless you are REALLY into wine.
by KyleAAA
Mon Jul 24, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7985

Re: Investing Education and Mansplaining

Examples are being thrown around of men "mansplaining" women who have PHDs about their area of expertise. Obviously absurd. OP's 22 year old daughter claiming she is being "mansplained" because a man (her father/those in videos) is trying to help educate her on personal finance ...
by KyleAAA
Mon Jul 24, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: $1m Windfall, Invest in a Taxable Account?
Replies: 8
Views: 1550

Re: $1m Windfall, Invest in a Taxable Account?

You're going to have to post a lot more information about your personal situation to get any sort of reasonable advice.
by KyleAAA
Sun Jul 23, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative Investments best use of expensive 401k?
Replies: 12
Views: 548

Re: Alternative Investments best use of expensive 401k?

I might be tempted by the DFA international small value option but otherwise no, I'd stick with what's cheaper.
by KyleAAA
Sun Jul 23, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7985

Re: Investing Education and Mansplaining

Mansplaining is not when a man explains something to you. Mansplaining is when a man explains to you something you already know, quite certain in the knowledge that you must not know whatever it is that's being explained to you. I've been on Bogleheads since 2004, if someone tries to explain what c...
by KyleAAA
Sun Jul 23, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: First-time home buying: New Construction Condo in Atlanta
Replies: 12
Views: 1233

Re: First-time home buying: New Construction Condo in Atlanta

Just a warning, there had been EXTREME overbuilding of condos in Atlanta going back to 2000 and prices have barely budged over that period even in desirable parts of town like midtown and vahi. Don't expect to see much if any appreciation over even long periods of time with a condo. That said, the ...
by KyleAAA
Sun Jul 23, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7985

Re: Investing Education and Mansplaining

I think most here are misunderstanding the problem with mansplaining. Consider this scenario: a woman has a PhD in a particular subject, let's call it molecular biology. A man who doesn't know anything about this woman, and with no real expertise of his own in the subject (i.e. he does not have a Ph...
by KyleAAA
Sun Jul 23, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: First-time home buying: New Construction Condo in Atlanta
Replies: 12
Views: 1233

Re: First-time home buying: New Construction Condo in Atlanta

Just a warning, there had been EXTREME overbuilding of condos in Atlanta going back to 2000 and prices have barely budged over that period even in desirable parts of town like midtown and vahi. Don't expect to see much if any appreciation over even long periods of time with a condo. That said, the l...
by KyleAAA
Sun Jul 23, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Property in Rural Area that is going "chic"
Replies: 19
Views: 2785

Re: Property in Rural Area that is going "chic"

Sorry I do not have anything for you but a thought: Wouldn't that be kind of like stocks and their associated newsletters? In other words, anyone who had reliable and actionable information would keep that to themselves to profit from it. Those publishing reviews and predictions tend to be those wi...
by KyleAAA
Sun Jul 23, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: Can real estate investing (actual properties) be relatively "hands off"?
Replies: 50
Views: 5569

Re: Can real estate investing (actual properties) be relatively "hands off"?

What's your threshold for hands off? If it's to spend 4 hours or less dealing with the properties PER YEAR then yes, it's possible. You likely won't maximize your returns, but that's okay. I tend to spend that much time dealing with my index fund portfolio so it's on par. And yes, his includes the u...
by KyleAAA
Sat Jul 22, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3534

Re: Healthiest Beer for the Buck

Heinekin and Amstel Light aren't German beers so I'm skeptical they're bound to the Reinheitsgebot.
by KyleAAA
Mon Jul 17, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 22
Views: 2873

Re: Teeth Whitening

Whitening toothpastes have historically not worked at ALL for me, but I've found Colgate Optic White to be very effective. Almost as effective as whitening strips without the hassle (or resulting teeth-sensitivity). Highly, highly recommend you try this for a few weeks before shelling out the big bu...
by KyleAAA
Fri Jul 14, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17790

Re: How are folks handling the unprecedented rise in the market ?

I hate to waste my 1000th post on this, but this rise isn't unprecedented . I get the impression people are reading the many posts about time in the market and just not getting it. Oh well, it's not my problem. Good luck. Unprecedented in the sense that the political environment is so volatile and ...
by KyleAAA
Thu Jul 13, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Buckley will succeed McNab as Vanguard CEO at year end
Replies: 32
Views: 3741

Re: Buckley will succeed McNab as Vanguard CEO at year end

CIO? Yikes! I hope the past is not a predictor of the future. [edit] nevvverrr mind (I read CIO as chief information officer, not chief investment officer) Apparently both. I can't believe they have 3,0000 software developers. m " During McNabb's tenure, Vanguard has invested heavily in techno...
by KyleAAA
Thu Jul 13, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7229

Re: Do you consider business travel to be a perk or a burden?

At once or twice a year to nice locations it's a perk. Any more than that or if the travel is to an unattractive location, it becomes a burden.