Search found 6168 matches

by KyleAAA
Thu Sep 14, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 309
Views: 15711

Re: Is it really Worth it to brown bag your lunch at work?

Yes, but not for financial reasons. I find I tend to eat significantly healthier when I bring my lunch.
by KyleAAA
Wed Sep 13, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Someone set up PayPal account using my email...
Replies: 35
Views: 2500

Re: Someone set up PayPal account using my email...

Reset the password on them (since you get the emails), then log in and delete the account.
by KyleAAA
Fri Sep 08, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8096

Re: When calculating net worth, how do you value your house?

I take the average of redfin, zillow, and trulia and then multiply by 0.94 to account for liquidating value after commission. Good enough for my purposes.
by KyleAAA
Wed Sep 06, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 42
Views: 2361

Re: Places to see in Chicago

Field Museum, river architecture tour, and food are 3 things I recommend. Maybe a blues club if you're into that sort of thing. Please let me know if you find a good AL tour as I'm in Chicago probably every other month and it sounds interesting. Go to Girl and the Goat or Au Cheval if you can get a ...
by KyleAAA
Wed Sep 06, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5554

Re: Wife believes 7+% returns from stock market are guaranteed

The stock market doesn't guarantee 7%+ returns; however, your wife is correct that over the long term you're very likely to come out ahead financially taking on a mortgage and investing the difference. That belief doesn't require a guarantee.
by KyleAAA
Mon Sep 04, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth looking into 'put options'?
Replies: 10
Views: 820

Re: Is it worth looking into 'put options'?

Lauretta wrote:
Mon Sep 04, 2017 10:28 am
KyleAAA wrote:
Mon Sep 04, 2017 10:20 am
There are a few very specific situations a boglehead might consider using puts
thanks :-) would you say the S&P500 at present is such a situation?
No, the situations are driven by life circumstances, not the level of the market.
by KyleAAA
Mon Sep 04, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth looking into 'put options'?
Replies: 10
Views: 820

Re: Is it worth looking into 'put options'?

I would say no, they aren't useful in a boglehead-style long term retirement portfolio. Insurance has costs, and costs are a drag on returns. There are a few very specific situations a boglehead might consider using puts, but not as a general strategy.
by KyleAAA
Sun Sep 03, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 3102

Re: Why can't the future of stocks be predicted

Because nobody knows the future. If you knew he future, you could easily predict stock prices. OP's question reduces to, simply, "why can't the future be predicted?" I suppose that's more a question for a physics or philosophy forum.
by KyleAAA
Wed Aug 30, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred compensation plan? risky?
Replies: 59
Views: 2331

Re: Deffered compensation plan? risky?

12% for a bank loan sounds high, but a 12% weighted average cost of capital for a business of that size is well within the realm of what's reasonable. Maybe that's what the CEO meant? But yeah, it does sound a bit fishy.
by KyleAAA
Tue Aug 29, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate vs stock market returns: some unbiased numbers
Replies: 40
Views: 5140

Re: Real estate vs stock market returns: some unbiased numbers

I'm going to choose to take these questions at face value. in two minutes a year? really? are you still talking real estate or buying real estate sector (REITS, close end funds, etc) ? Well that's a bit disingenuous since I spend considerably more than two minutes per year managing my index portfoli...
by KyleAAA
Tue Aug 29, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Real estate vs stock market returns: some unbiased numbers
Replies: 40
Views: 5140

Re: Real estate vs stock market returns: some unbiased numbers

Just comparing returns are not fair. I consider real estate rental investing as a part-time job. Index fund investing, on the other hand, can be done passively, IN ADDITION TO A PART-TIME JOB. It can be a part-time job. It can also be roughly as passive as index investing. The active investors tend...
by KyleAAA
Mon Aug 28, 2017 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Real estate vs stock market returns: some unbiased numbers
Replies: 40
Views: 5140

Re: Real estate vs stock market returns: some unbiased numbers

Your real estate numbers are conservative but reasonable. Your stock/bond numbers are considerably beyond conservative for a 30 year period. 8% seems more likely. But yes, if you have skill ans are willing to put in the work you can make significantly more in real estate.
by KyleAAA
Sat Aug 26, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Photobucket - disappearing images and $$$ - has it affected you?
Replies: 28
Views: 2454

Re: Photobucket - disappearing images and $$$ - has it affected you?

Photobucket, much like Image Shack, has been obsolete for years. Not surprised to see them take another step in the wrong direction. "Pictures" are not obsolete. If they charged $$ from the get-go, fine, most folks would have went elsewhere, but to suddenly do it 'now', destroying many of the image...
by KyleAAA
Fri Aug 25, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Photobucket - disappearing images and $$$ - has it affected you?
Replies: 28
Views: 2454

Re: Photobucket - disappearing images and $$$ - has it affected you?

Photobucket, much like Image Shack, has been obsolete for years. Not surprised to see them take another step in the wrong direction. "Pictures" are not obsolete. If they charged $$ from the get-go, fine, most folks would have went elsewhere, but to suddenly do it 'now', destroying many of the image...
by KyleAAA
Thu Aug 24, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Photobucket - disappearing images and $$$ - has it affected you?
Replies: 28
Views: 2454

Re: Photobucket - disappearing images and $$$ - has it affected you?

Meh, serving all those images cost them a fortune. I wasn't surprised. Seems like they are getting desperate.
by KyleAAA
Tue Aug 22, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 5739

Re: Why do we consider cash flow from rentals but not our own homes?

I would agree that owner equivalent rent in excess of replacement cost does technically count as income. For most people it's not significant enough to matter but if it is for you, count it.
by KyleAAA
Mon Aug 21, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13291

Re: I own no international stocks. Can you guess why?

My guess is it's because radiation from today's solar eclipse will create a generation of superhuman mutants across North America who will go on to conquer the rest of the world. It's unwise to invest abroad under those circumstances.
by KyleAAA
Sun Aug 20, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to transfer website to different hosting company?
Replies: 32
Views: 2759

Re: Is it difficult to transfer website to different hosting company?

Other than support, all the hosts are pretty much the same. Hosting is very commoditized. The host is usually the scapegoat when a site is having performance problems (see above) but the reality is that the problem is generally Wordpress. It just isn't well architected for performance. Most of the s...
by KyleAAA
Sat Aug 19, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 75
Views: 5963

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: 14
Views: 1472

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: 85
Views: 11274

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: 85
Views: 11274

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: 85
Views: 11274

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: 20
Views: 3113

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: 7045

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: 2659

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: 4472

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: 1260

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: 7062

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: 7062

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: 6060

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: 6060

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: 6060

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: 6060

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: 6060

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: 6060

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: 1809

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: 6060

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: 794

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: 4421

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: 1367

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: 786

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: 6060

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: 104
Views: 10171

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: 3593

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: 3593

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: 7807

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: 455

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: 3857

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: 4255

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. Without room...