Search found 8381 matches

by KyleAAA
Tue Sep 15, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: codakids for coding lessons
Replies: 22
Views: 1114

Re: codakids for coding lessons

Does the now ubiquitous use of the terms "coding/code/coder" instead of the proper terms, "programming/program/programmer" irritate other old CS types as much as it does me? Both coder and programmer are equally offensive to software engineers. Almost as bad as referring to them as being in IT. Bil...
by KyleAAA
Tue Sep 15, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: codakids for coding lessons
Replies: 22
Views: 1114

Re: codakids for coding lessons

hicabob wrote: Tue Sep 15, 2020 2:02 pm Does the now ubiquitous use of the terms "coding/code/coder" instead of the proper terms, "programming/program/programmer" irritate other old CS types as much as it does me?
Both coder and programmer are equally offensive to software engineers. Almost as bad as referring to them as being in IT.
by KyleAAA
Sun Sep 13, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts a will to protect generational wealth?
Replies: 42
Views: 2188

Re: Thoughts a will to protect generational wealth?

What is your reason for wanting to do this? By generations a fortune of even billions will be too diluted to matter to anybody. I don't see much of an upside here.
by KyleAAA
Sun Sep 13, 2020 11:36 am
Forum: Personal Investments
Topic: How can I get Pre IPO stocks
Replies: 20
Views: 1809

Re: How can I get Pre IPO stocks

There a few ways to buy in as an individual, but they aren't accessible to small investors. All the options I know of, such as the Angel List Fund, require you to be an accredited investor and require a substantial investment. I think Angel list has a minimum of $50k per quarter. It doesn't seem lik...
by KyleAAA
Fri Sep 11, 2020 12:49 pm
Forum: Investing - Theory, News & General
Topic: Index Funds - Dangerous?
Replies: 46
Views: 3575

Re: Index Funds - Dangerous?

Diversify across asset classes and you don't need to worry. Only 15% of my portfolio is in total stock market. That has hurt my returns over the last 10 years, but hopefully it will help over the next 10.
by KyleAAA
Thu Sep 10, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 7937

Re: What % of income to spend on car?

hdcd wrote: Wed Sep 09, 2020 7:30 pm
Jack FFR1846 wrote: Wed Sep 09, 2020 9:17 am
alfaspider wrote: Wed Sep 09, 2020 9:16 am The answer is always Miata.

Kidding...
sort of.
It's like an S2000.......only cuter.
s2000 any day over the Miata. vtec 9000 rpm :D
Sorry, the answer we were looking for was "Miata."
by KyleAAA
Wed Sep 09, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 7937

Re: What % of income to spend on car?

About: 30m. 72k salary (not including 30-40k side income; volatile and don't like to include it). Living at home due to covid saving on rent. Networth: 230k I need a new car badly...current car is at 200k miles. I want to buy a 2018 Honda Accord 2.0t with 30-60k miles. The cost will be 22-25k. I'd ...
by KyleAAA
Sun Sep 06, 2020 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 289
Views: 17079

Re: How Much House Can We Afford in HCOL Area?

Several others have said that Bay area salaries are pretty much in line with those of high tech jobs in other parts of the country. If so, then that brings into direct question why it makes financial sense for those in this line of work to voluntarily choose to live in an area where purportedly 'de...
by KyleAAA
Sat Sep 05, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 289
Views: 17079

Re: How Much House Can We Afford in HCOL Area?

Can you really get 2.7% on a jumbo? I looked a couple of weeks ago and I couldnt find anything less than 3.5% on a jumbo. If I paid down to the super conforming limit I could get more like 2.7%. I'd double verify. Owning.com is offering 2.59 APR upto $765k, so maybe jumbo has come down too? Jumbo h...
by KyleAAA
Sat Sep 05, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 289
Views: 17079

Re: How Much House Can We Afford in HCOL Area?

TMK, it's never been mandated for workers to stay at home in such large numbers. In many industries, worker productivity has increased with people WFH. Things change. This poster estimates that their losses on a Bay area home will be over $100k. On a $1.65M home, which the OP admits he overpaid. Se...
by KyleAAA
Sat Sep 05, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 289
Views: 17079

Re: How Much House Can We Afford in HCOL Area?

One thing to note though, the whole WFH anywhere maybe a bit exaggerated by the media. After the initial phase, even tech companies are noticing slow down in product delivery and release time line. They notice productivity is dropping and do plan on bring most of the employees back in the office. O...
by KyleAAA
Sat Sep 05, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 289
Views: 17079

Re: How Much House Can We Afford in HCOL Area?

Can you really get 2.7% on a jumbo? I looked a couple of weeks ago and I couldnt find anything less than 3.5% on a jumbo. If I paid down to the super conforming limit I could get more like 2.7%. I'd double verify.
by KyleAAA
Sat Sep 05, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?
Replies: 65
Views: 5755

Re: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?

Only if you want to become a manager or a product owner. $10-15k increase is basically nothing, but you could leverage 2 years in the role to a huge payday by switching employers. But of course, that isn't attractive if you don't actually want to take your career in that direction. Speaking of payda...
by KyleAAA
Thu Sep 03, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard to shift accounts to brokerage?
Replies: 76
Views: 3759

Re: Vanguard to shift accounts to brokerage?

You should reply to abuss368 not me. He is claiming it is better and cheaper! It almost certainly is. But you shouldn't expect to be able to tell that from the outside. I rely on facts rather than people's guesses. You have no way to gather facts. You simply aren't privy to that information. Compla...
by KyleAAA
Thu Sep 03, 2020 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 2898

Re: Skipping a Buyer's Real Estate Agent

Depends on the market. In many HCOL markets right now, bidding wars are common. You won't be able to request 3% off for any reason. In Seattle, for instance you often can't even get away with adding an inspection contingency to an offer. Sellers simply won't allow it.
by KyleAAA
Wed Sep 02, 2020 7:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to shift accounts to brokerage?
Replies: 76
Views: 3759

Re: Vanguard to shift accounts to brokerage?

This is often stated. Where is the evidence? I see no evidence of a better platform. Why would you expect to see evidence? If you had access to their financial statements, maybe. But "new platform" in no way implies there must necessarily be difference in functionality or really anything a user wou...
by KyleAAA
Wed Sep 02, 2020 5:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to shift accounts to brokerage?
Replies: 76
Views: 3759

Re: Vanguard to shift accounts to brokerage?

This is often stated. Where is the evidence? I see no evidence of a better platform. Why would you expect to see evidence? If you had access to their financial statements, maybe. But "new platform" in no way implies there must necessarily be difference in functionality or really anything a user wou...
by KyleAAA
Wed Sep 02, 2020 5:29 pm
Forum: Personal Investments
Topic: Should I take short term gains and face the taxes?
Replies: 94
Views: 4398

Re: Should I take short term gains and face the taxes?

GoldenGoose wrote: Wed Sep 02, 2020 2:53 pm
KyleAAA wrote: Wed Sep 02, 2020 2:40 pm Don't try to time the market.
So your answer to my question would be "do nothing and let your account take a beating".
You don't know that your account will take a beating. Nobody knows what will happen. The market sure doesn't look unreasonably valued to me.
by KyleAAA
Wed Sep 02, 2020 2:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to shift accounts to brokerage?
Replies: 76
Views: 3759

Re: Vanguard to shift accounts to brokerage?

This is often stated. Where is the evidence? I see no evidence of a better platform. Why would you expect to see evidence? If you had access to their financial statements, maybe. But "new platform" in no way implies there must necessarily be difference in functionality or really anything a user wou...
by KyleAAA
Wed Sep 02, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to shift accounts to brokerage?
Replies: 76
Views: 3759

Re: Vanguard to shift accounts to brokerage?

Yes, it's true. It has been public for years now and they've been moving steadily in that direction.
by KyleAAA
Wed Sep 02, 2020 2:40 pm
Forum: Personal Investments
Topic: Should I take short term gains and face the taxes?
Replies: 94
Views: 4398

Re: Should I take short term gains and face the taxes?

Don't try to time the market.
by KyleAAA
Mon Aug 31, 2020 10:13 pm
Forum: Personal Investments
Topic: Minimum amount of stocks for my eighty year old Mom
Replies: 12
Views: 783

Re: Minimum amount of stocks for my eighty year old Mom

20% is probably the floor of what's prudent unless she has so much or so little money it won't matter if she doubles it or goes broke.
by KyleAAA
Mon Aug 31, 2020 6:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6249

Re: Vanguard seems to have web online sign on problem

Vanguard just posted this on Fb, "Early today, Vanguard experienced intermittent connectivity issues impacting our websites, mobile apps, and phones. The issue has been resolved and we encourage clients to clear their internet cache and cookies, and recycle their web browser, before logging back on...
by KyleAAA
Mon Aug 31, 2020 6:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6249

Re: Vanguard seems to have web online sign on problem

Can any major outfit/trading platform boast that they've never gone down for at least several hours (that's been in business for at least 5 years)? Not knowing the answer, I would start off by guessing no outfit can make that claim. So today's Vanguard's day. It happens. You sometimes lose electric...
by KyleAAA
Mon Aug 31, 2020 4:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6249

Re: Vanguard seems to have web online sign on problem

These threads tend to spread an astounding amount of misinformation, so no, it isn't as simple as simply ignoring threads one isn't interested in. I'm not the guy you responded to but I do agree with him, just like him, this thread helped me to know that it was a widespread issue, not simply that s...
by KyleAAA
Mon Aug 31, 2020 2:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6249

Re: Vanguard seems to have web online sign on problem

Do we really need a thread here every time Vanguard has technical difficulties? Vanguard support would be the logical place to go with issues like this. This thread was helpful for me, since it let me know that this issue was widespread, rather than something only I was encountering. I need to tran...
by KyleAAA
Mon Aug 31, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6249

Re: Vanguard seems to have web online sign on problem

Do we really need a thread here every time Vanguard has technical difficulties? Vanguard support would be the logical place to go with issues like this.
by KyleAAA
Sun Aug 30, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I quit high paying job?
Replies: 76
Views: 8485

Re: Should I quit high paying job?

What industry are you in? In my industry, all interviews are being done virtually and jobs are WFH indefinitely, so no risk of exposure
by KyleAAA
Sun Aug 30, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Cabin advice
Replies: 61
Views: 6310

Re: Am I crazy? Cabin advice

You could easily afford it without strain. Whether or not you would regret it is not a financial question.
by KyleAAA
Sat Aug 29, 2020 11:11 am
Forum: Personal Investments
Topic: How to compare performance of Vanguard vs Edward Jones accounts?
Replies: 35
Views: 2606

Re: How to compare performance of Vanguard vs Edward Jones accounts?

You shouldn't be at all surprised that an active strategy would outperform an index strategy over a short period of time. There could be a multitude of reasonable explanations. It could boil down to the American portfolio just being more US or tech-heavy. Portfoliovisualizer.com should give you an o...
by KyleAAA
Tue Aug 25, 2020 11:15 pm
Forum: Investing - Theory, News & General
Topic: Growth Factor ETF (opposite of VFVA)
Replies: 3
Views: 385

Re: Growth Factor ETF (opposite of VFVA)

Growth isn't a factor, but momentum tends to be negatively correlated. You might try MTUM. Of course, both have around a 1 beta loading so the ETFs themselves are fairly correlated.
by KyleAAA
Mon Aug 24, 2020 12:12 am
Forum: Investing - Theory, News & General
Topic: UHNW buying significant stake in micro-cap company. Can I throw my weight around?
Replies: 10
Views: 1248

Re: UHNW buying significant stake in micro-cap company. Can I throw my weight around?

Shareholders aren't owners in the traditional sense of the word, even though that word is often thrown around. Rather, shareholders have specific rights and a claim to residual profit. Somebody who owns 51% of outstanding float can do a lot, but they can't do anything they want. If you could convin...
by KyleAAA
Sun Aug 23, 2020 9:40 pm
Forum: Investing - Theory, News & General
Topic: Advice to a Millennial about nest egg "Critical Mass"
Replies: 150
Views: 16803

Re: Advice to a Millennial about nest egg "Critical Mass"

I don’t agree with this at all. I am 33, an older millennial myself. Talk to any of the older generations, they were much poorer than we are today when it comes to what could be afforded then, my parents and their parents could NEVER afford the things people have now days. As my grandpaw always sai...
by KyleAAA
Sun Aug 23, 2020 9:38 pm
Forum: Investing - Theory, News & General
Topic: Advice to a Millennial about nest egg "Critical Mass"
Replies: 150
Views: 16803

Re: Advice to a Millennial about nest egg "Critical Mass"

I don’t agree with this at all. I am 33, an older millennial myself. Talk to any of the older generations, they were much poorer than we are today when it comes to what could be afforded then, my parents and their parents could NEVER afford the things people have now days. As my grandpaw always sai...
by KyleAAA
Sun Aug 23, 2020 9:34 pm
Forum: Investing - Theory, News & General
Topic: UHNW buying significant stake in micro-cap company. Can I throw my weight around?
Replies: 10
Views: 1248

Re: UHNW buying significant stake in micro-cap company. Can I throw my weight around?

Shareholders aren't owners in the traditional sense of the word, even though that word is often thrown around. Rather, shareholders have specific rights and a claim to residual profit. Somebody who owns 51% of outstanding float can do a lot, but they can't do anything they want. If you could convinc...
by KyleAAA
Sat Aug 22, 2020 9:51 am
Forum: Investing - Theory, News & General
Topic: Investment strategies for high net worth individuals
Replies: 56
Views: 5068

Re: Investment strategies for high net worth individuals

I dont think it ever makes sense to limit yourself to just total stock and total bond market funds. There's always room for at least real estate and some factor tilts. At $50mm or so deep diversification probably starts to make more sense, but probably not really until you reach $100mm. I would expe...
by KyleAAA
Sat Aug 22, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Advice to a Millennial about nest egg "Critical Mass"
Replies: 150
Views: 16803

Re: Advice to a Millennial about nest egg "Critical Mass"

Congrats on saving such a large amount and staying the course for 40 years! No doubt some wise investment decisions were made along the way. However as an “older” millennial I would love to know, at the outset of your career 40 years ago (ie when you could save heavily such that the compounding / s...
by KyleAAA
Mon Aug 17, 2020 6:03 pm
Forum: Personal Investments
Topic: Assets going from 600K->15M, should I change my asset allocation?
Replies: 175
Views: 17380

Re: Assets going from 600K->15M, should I change my asset allocation?

Again. It’s possible to invest in the total market without accepting large dividends. Not in the US, unfortunately. Neither VUG nor the tax managed funds will mimic it. Futures, with the $15M in T-bills as collateral. That’s just one idea and I’m not even an expert. Imagine what a good advisor coul...
by KyleAAA
Mon Aug 17, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6105

Re: Thinking of moving Seattle or Vancouver, WA

$650k won't get you much of anything in Seattle. Decent homes in far eastside suburbs like North Bend or something on the Olympic penninsula can be had for that price. Don't know much about housing in Vancouver but it is a suburb of Portland, so it may not be cheap. Probably a lot more affordable th...
by KyleAAA
Mon Aug 17, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: Can you be a Boglehead and a financial/ investment advisor?
Replies: 16
Views: 1478

Re: Can you be a Boglehead and a financial/ investment advisor?

Yes, of course. Only a very small part of being a financial advisor is picking investments.
by KyleAAA
Sun Aug 16, 2020 1:41 pm
Forum: Investing - Theory, News & General
Topic: [How does one fight the urge to make simple things more complex?]
Replies: 82
Views: 4852

Re: [How does one fight the urge to make simple things more complex?]

Decide how complex something actually is, then construct an appropriate solution. Over-simplifying complex things is probably worse than over-complicating simple things.
by KyleAAA
Sun Aug 16, 2020 12:02 pm
Forum: Personal Investments
Topic: Global Equal Weight Beats S&P 500 last 20 years!
Replies: 25
Views: 1293

Re: Global Equal Weight Beats S&P 500 last 20 years!

That’s an extremely arbitrary allocation. Not sure why we should expect it to outperform going forward.
by KyleAAA
Sun Aug 16, 2020 11:59 am
Forum: Investing - Theory, News & General
Topic: The 0.5% Rule (SWR) [Safe Withdrawal Rate]
Replies: 419
Views: 23416

Re: The 0.5% Rule (SWR)

No, it doesn’t have any merit. VTI yields 2%. Multiplying the 10 year treasury by 80% to come up with a SWR makes absolutely no sense.
by KyleAAA
Sun Aug 16, 2020 10:38 am
Forum: Personal Investments
Topic: basic diversified portfolio using Vanguard Brokerage
Replies: 2
Views: 246

Re: basic diversified portfolio using Vanguard Brokerage

Vanguard has a poor brokerage. Fidelity and Schwab are both superior on that account. Part of what you're paying a robot advisor for is convenience. If automatic investing is worth something to you, you might have to pay for it. I wouldn't use such a service so I dontnhave any idea if there are any ...
by KyleAAA
Sat Aug 15, 2020 3:13 pm
Forum: Personal Investments
Topic: $20,000 windfall- Help!
Replies: 67
Views: 4201

Re: $20,000 windfall- Help!

Usually b, but not during a pandemic. Can’t decide between a and c without numbers.
by KyleAAA
Wed Aug 12, 2020 10:12 pm
Forum: Personal Investments
Topic: Assets going from 600K->15M, should I change my asset allocation?
Replies: 175
Views: 17380

Re: Assets going from 600K->15M, should I change my asset allocation?

Berkshire Hathaway stock. Highly diversified into value stocks, zero dividends. Couple that with Large Cap growth and Tax managed small cap fund (Vanguard has one) and use T-Bills and Muni-bonds and you have a portfolio (Exactly as Mr Bernstein describes in his excellent book - Four Pillars of Inve...
by KyleAAA
Wed Aug 12, 2020 10:05 pm
Forum: Personal Investments
Topic: Assets going from 600K->15M, should I change my asset allocation?
Replies: 175
Views: 17380

Re: Assets going from 600K->15M, should I change my asset allocation?

Again. It’s possible to invest in the total market without accepting large dividends. Not in the US, unfortunately. Neither VUG nor the tax managed funds will mimic it. Futures, with the $15M in T-bills as collateral. That’s just one idea and I’m not even an expert. Imagine what a good advisor coul...
by KyleAAA
Wed Aug 12, 2020 4:30 pm
Forum: Personal Investments
Topic: Assets going from 600K->15M, should I change my asset allocation?
Replies: 175
Views: 17380

Re: Assets going from 600K->15M, should I change my asset allocation?

nix4me wrote: Wed Aug 12, 2020 4:25 pm Again. It’s possible to invest in the total market without accepting large dividends.
Not in the US, unfortunately. Neither VUG nor the tax managed funds will mimic it.