Search found 6674 matches

by KyleAAA
Fri Nov 16, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: The biggest / best web development technologies
Replies: 13
Views: 915

Re: The biggest / best web development technologies

Angular7 with a .net core backend might be up your alley. You can use anything you want to serve up your APIs but since you already know .net it will be an easy transition. ^ It seems like going serverless would be an additional interesting twist for OP, and I see that Azure functions support C# (n...
by KyleAAA
Thu Nov 15, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Quantitative Equity Group Losing Talent
Replies: 48
Views: 2994

Re: Vanguard's Quantitative Equity Group Losing Talent

Quants have not delivered value anywhere, so what's the point :?: DFA, AQR, WisdomTree, Vanguard, Schwab, you name it, all have quants, these investments have not delivered any value over and beyond simple straight indexes. The only value they add is provide job opportunities for PhD's beyond acade...
by KyleAAA
Thu Nov 15, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: The biggest / best web development technologies
Replies: 13
Views: 915

Re: The biggest / best web development technologies

Angular7 with a .net core backend might be up your alley. You can use anything you want to serve up your APIs but since you already know .net it will be an easy transition.
by KyleAAA
Thu Nov 15, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4274

Re: Accuracy of Zillow/Trulia/Redfin Estimates

Zillow and their Zestimate has totally screwed us in marketing our house. Their Zestimate is way too low and our agent has told us that it has been a factor cited by potential buyers when they say why they don’t want to view it. The house next door sold a year ago for $10,000 less than our Zestimat...
by KyleAAA
Thu Nov 15, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4274

Re: Accuracy of Zillow/Trulia/Redfin Estimates

Zillow publishes their error rates by zip code and I believe redfin does the same. Redfin has direct access to MLS data whereas Zillow and Trulia don't, so I tend to trust redfin a bit more. I think they all tend to be fairly accurate in normal markets, but in extremely hot or cold markets they are ...
by KyleAAA
Tue Nov 13, 2018 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 102
Views: 11426

Re: Are We In A Real Estate Bubble?

Nationally, there is no bubble. The price gains are being driven by fundamentals and not speculation. There may be pockets of bubbles in some markets but I can’t name any off the top of my head.
by KyleAAA
Sun Nov 11, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for ESPP Stock Sales
Replies: 7
Views: 713

Re: Advice for ESPP Stock Sales

The general rule is to always sell ESPP purchases the first day you are able to lock In the gain. The first day you can sell your company shares is tomorrow.
by KyleAAA
Sun Nov 11, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 155
Views: 19146

Re: [Financial] Habits of the Rich

I mostly just got lucky. I was always good in school, but so are many people. I chose the right major and have been more lucky than unlucky ever since. I suspect that's the case for most financially successful people. It certainly helps that both my wife and I are reasonably frugal. So I would say g...
by KyleAAA
Sat Nov 10, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 33
Views: 5035

Re: Moving to NYC without a job

What do you mean by PM? It can mean Product Manager, Program Manager, or Project Manager. You’d probably have a much easier time getting a tech job in Seattle or Austin than in NYC. If I were trying to break into tech I wouldn’t limit myself to just a handful of potential companies. Get actual tech ...
by KyleAAA
Sat Nov 10, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 57
Views: 4263

Re: Which one: Lyft or Uber?

I have used Uber several times and all trips were good except the last one. I called Uber to take me to my hotel 2 miles away.The Uber driver proceeded to take me in the opposite direction. After several protests by me and showing the driver my hotel on Google apps she said I entered the wrong addr...
by KyleAAA
Fri Nov 09, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 1745

Re: Updating Microsoft Word

Either switch to the cloud version of Office or give LibreOffice a try, although LibreOffice suffers from the same problems as the non-cloud version of Office. Google Docs is also an option for new documents going forward. Office365 is quite cheap.
by KyleAAA
Thu Nov 08, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4673

Re: Do you prefer etfs or mutual funds?

Mutual funds. But I own plenty of ETFs.
by KyleAAA
Thu Nov 08, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 4616

Re: Would you still jump if you were ready, then the market dropped 50%??

It would depend on how much slack I had in my budget. If I was planning on taking 4% but could get by on 2%, maybe. I would weigh the prospect of working a few extra years vs living with a permanently lower income. If I had no slack in my budget and I NEEDED 4% of the original amount, then no.
by KyleAAA
Wed Nov 07, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7431

Re: Never thought of living in Bay Area but just got a call from Tesla

But the job isn’t just about the pay NOW. It also will affect FUTURE earning potential most likely. Is it guaranteed? Does everyone who goes to Silicon valley make mega bucks? I am sorry but for someone who owns a house and has a very nice commute, unless they are offering upfront money now (or pro...
by KyleAAA
Wed Nov 07, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8108

Re: 1/3 of Baby Boomers have no retirement savings...

How many of them have pensions or taxable accounts? These studies don't take a holistic view of the population's personal finances, so I'm not sure we can draw any conclusions from them. It seems unlikely 1/3 of boomers will be eating cat food in retirement, though.
by KyleAAA
Wed Nov 07, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7431

Re: Never thought of living in Bay Area but just got a call from Tesla

I wouldn't think you'd be playing the stock option lottery with Tesla since pretty much everybody does RSUs these days. From what I hear, Tesla lets you choose. Plus, it is already public so that stock will almost certainly be worth something at vest absent bankruptcy. As somebody who moved from a L...
by KyleAAA
Mon Nov 05, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12682

Re: Are we in trouble?

I never understand when someone is moving to a new state...why on earth they do not rent for a year? Why wouldnt you want to familiarize yourself with some areas first. I think thats one of the main reasons why people are always so stressed when it comes to things like this. They feel like they're ...
by KyleAAA
Fri Nov 02, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 45
Views: 3516

Re: Best neighborhoods in Atlanta

ive lived in atlanta and currently live in not-atlanta, georgia. ive been surprised at how much everyone from not-atlanta HATES atlanta. are other states this way? it is astounding to me how much Georgians despise the single major city in their state... i went to college in atlanta and loved it the...
by KyleAAA
Fri Nov 02, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Apple's share plummeting: should we 'kick out the largest stock' as Rob Arnott suggests?
Replies: 40
Views: 2052

Re: Apple's share plummeting: should we 'kick out the largest stock' as Rob Arnott suggests?

I don't really see justification for thinking the largest stock is going to go down reliably enough for this strategy to pay off. Apple is still growing decently and is insanely profitable. It might go down over the next 5 years, but I wouldn't bet on it.
by KyleAAA
Fri Nov 02, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 45
Views: 3516

Re: Best neighborhoods in Atlanta

Drive 100 miles from downtown in any direction and start looking there. I can't even stand driving through Atlanta. ive lived in atlanta and currently live in not-atlanta, georgia. ive been surprised at how much everyone from not-atlanta HATES atlanta. are other states this way? it is astounding to...
by KyleAAA
Thu Nov 01, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2712

Re: IT Career Advancement-What path?

Second technical sales or pre-sales if you have the temperament for us. Can be lucrative and satisfying. Some love it, some hate it. Are you in technical sales now? Did you have more of sales or tech background? I am not, but I have a lot of friends who are. I'm in engineering management with a tec...
by KyleAAA
Wed Oct 31, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refunds expected to be 26% more in 2019
Replies: 52
Views: 5689

Re: Tax refunds expected to be 26% more in 2019

I'm one of those who has over-withheld just do to circumstances this year. Uncle Sam has done fine by me so I suppose I'll give him a cheap loan just this once.
by KyleAAA
Wed Oct 31, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2712

Re: IT Career Advancement-What path?

Second technical sales or pre-sales if you have the temperament for us. Can be lucrative and satisfying. Some love it, some hate it.
by KyleAAA
Tue Oct 30, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Treasure Island or Bally's in Las Vegas
Replies: 32
Views: 2269

Re: Treasure Island or Bally's in Las Vegas

I like TI. You can find $10 tables there fairly easily even at night, which is becoming a rarity on the strip . I think they discontinued the pirate show, which would have been fun for the kids, but is right next to The Mirage which has the volcano show. Whoa. $10 tables are now a rarity? How in th...
by KyleAAA
Mon Oct 29, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2712

Re: IT Career Advancement-What path?

Avoid Web front end stuff and trendy stuff. UI stuff never pays. There's a million people out there doing front end work beating each other up hoping to bill $75/hour. Do you really want to attend a meeting to discuss font size or the thickness of some border on a web page? Just shoot me. I don't k...
by KyleAAA
Mon Oct 29, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Treasure Island or Bally's in Las Vegas
Replies: 32
Views: 2269

Re: Treasure Island or Bally's in Las Vegas

I like TI. You can find $10 tables there fairly easily even at night, which is becoming a rarity on the strip. I think they discontinued the pirate show, which would have been fun for the kids, but is right next to The Mirage which has the volcano show.
by KyleAAA
Thu Oct 25, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 8608

Re: What's Your Fixed Income Strategy?

Half in the intermediate-term bond index fund, half in the Inflation Protected Securities fund. When I retire I might add a small allocation (maybe 5% of my portfolio) to short-term bond index. Or I may not.
by KyleAAA
Wed Oct 24, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Georgia Tech Online Masters Programs
Replies: 6
Views: 1244

Re: Georgia Tech Online Masters Programs

A few of my former employees have done the OMSCS program and I did my undergrad there. Georgia Tech is a top tier engineering school and from my vantage point they have kept the quality very high with the online program. Industry takes it seriously.
by KyleAAA
Wed Oct 24, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Sweetner for Tea
Replies: 25
Views: 1253

Re: Sweetner for Tea

sugar
by KyleAAA
Tue Oct 23, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 100
Views: 15792

Re: Six stocks make up 98% of S&P 500 gains in 2018

linenfort wrote:
Wed Jul 11, 2018 4:38 pm
Never mind that. What are the six for 2019? ______________________
Probably the same stocks. Buy MANGAF!
by KyleAAA
Mon Oct 22, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I own my home through an LLC?
Replies: 20
Views: 2825

Re: Should I own my home through an LLC?

IANAL but I don’t see what benefit this could possibly bring. Holding a personal asset in an LLC is a pretty transparent attempt to shirk personal responsibility and I think a judge would see it as such. Umbrella coverage is cheap.
by KyleAAA
Mon Oct 22, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market - Some say it’s possible?
Replies: 44
Views: 2783

Re: Timing the market - Some say it’s possible?

I believe it's possible, but so difficult none of us will be able to do it consistently. Winning the lottery is also possible, but I wouldn't recommend the lottery as a sound investment strategy.
by KyleAAA
Sat Oct 20, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks
Replies: 36
Views: 2327

Re: Travelers Checks

I think if someplace in rural America doesn’t take credit card, it’s even less likely they’ll take travelers checks.
by KyleAAA
Sat Oct 20, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5069

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

There is a lot of misinformation in this thread. PTO is different than vacation. Vacation is paid out while PTO is not. There may be slight differences depending on locality but this is how is works in most locales. Your experience is not universal. Many employers don't have separate allocations to...
by KyleAAA
Sat Oct 20, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 82943

Re: How much money do you want to retire?

Subject to change, but $5mm and a paid off mortgage is the current goal.
by KyleAAA
Fri Oct 19, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5069

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

In reality, I think if they pay out PTO for some people but not others, they open themselves up to a lot of liability. So even if technically legal, I doubt the vast majority of companies would do something like that.
by KyleAAA
Fri Oct 19, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3944

Re: Should we downgrade our house?

Not nearly enough information. Do you have kids? If so how many? If so are they in need of childcare? If not are they in private or public school? How long do you expect to stay in this location? How will the commute change from the different price points? How about safety? How about green space? Y...
by KyleAAA
Fri Oct 19, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3944

Re: Should we downgrade our house?

I wouldn't sacrifice quality of life for a little extra savings, no. The QOL inside Atlanta is MUCH higher than in the suburbs if you can afford it. Sounds like you can. Agree the obsession with school district isn't supported by the data. And houses in good school districts on the north side won't ...
by KyleAAA
Thu Oct 18, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4091

Re: Approach to rescinding a job acceptance

This kind of thing happens. Be gracious and you’re unlikely to burn a bridge.
by KyleAAA
Thu Oct 18, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to company that allows Mega Backdoor Roth Conversion - Any prep needed?
Replies: 26
Views: 2018

Re: Moving to company that allows Mega Backdoor Roth Conversion - Any prep needed?

My 401k provider is through Fidelity and I don't need to do anything at all. I don't even need an IRA. I make after-tax contributions to my 401k and Fidelity will automatically convert the entire after-tax balance to Roth quarterly. I pay taxes on the earnings converted, but since it's done quarterl...
by KyleAAA
Sat Oct 13, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4898

Re: Is EMH a tautology?

Is it true that it will ALWAYS be possible to blame the pricing model? That sounds like an assertion that needs justification. We may yet refine the EMH and figure out how to test it effectively.
by KyleAAA
Sat Oct 13, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1785

Re: Home Depot Stock

I think HD's prospects are quite good, but I wouldn't hold more than 5% or so of my portfolio in any one stock regardless. It's interesting to note it has returned about 24% per year since going public in 1986, which is incredible.
by KyleAAA
Thu Oct 11, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44833

Re: Lucrative careers?

What if OP doesn't want to live in the Bay Area? HCOL and these are typically burnout types of jobs. It is a very specific segment. BTW...FB has 25k employees, Google has 85k, Apple 123k (includes retail), etc. These companies have big market caps but the number of employees is small compared to Wa...
by KyleAAA
Thu Oct 11, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44833

Re: Lucrative careers?

Your second point is inferring that OP will be much above average in this prospective job. This whole topic has gotten way too much into the weeds. Looking at the very top salaries is not what I would do when giving someone looking for a career. I wouldn't say become an actor....some make $50 milli...
by KyleAAA
Thu Oct 11, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44833

Re: Lucrative careers?

Some of these things are not "careers". That is like saying I am going to play basketball for the Chicago Bulls and be a starter. Saying you are going to get a degree in X and go work for Google as Y is not far behind saying you are going to have a career as an actor or sports figure. You cannot ta...
by KyleAAA
Thu Oct 11, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44833

Re: Lucrative careers?

Most software developers don't get equity. Which isn't at all relevant. Enough do that to ignore it significantly underestimates the median. But even if I grant you that, which I don't, my second point still stands. Your second point is inferring that OP will be much above average in this prospecti...
by KyleAAA
Thu Oct 11, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44833

Re: Lucrative careers?

I still have no idea where you get this idea that these numbers are common. Just because a bunch of anonymouse uses on Blind say it doesn make it true. The BLS statistical data is out there and easy to find.... I get it from industry compensation data surveys (think something like Culpepper, but mo...
by KyleAAA
Thu Oct 11, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44833

Re: Lucrative careers?

I've worked in tech for 25 years. I suggest looking at the MEDIAN salaries for a particular job role. There is no doubt good paying jobs in tech, but you need to be realistic. I, too, have worked in tech for a long time. Two problems with that: 1.) The median never captures equity, which is a large...
by KyleAAA
Thu Oct 11, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44833

Re: Lucrative careers?

I've worked in tech for 25 years. I suggest looking at the MEDIAN salaries for a particular job role. There is no doubt good paying jobs in tech, but you need to be realistic. I, too, have worked in tech for a long time. Two problems with that: 1.) The median never captures equity, which is a large...