Search found 7441 matches

by KyleAAA
Fri Nov 15, 2019 5:09 pm
Forum: Personal Investments
Topic: New to Forum. Vanguard funds from Fidelity account?
Replies: 10
Views: 728

Re: New to Forum. Vanguard funds from Fidelity account?

Buying Vanguard funds and ETFs at Fidelity isn't free, so I wouldn't recommend that. You can buy iShares ETFs at Fidelity without paying commission and of course Fidelity has excellent in-house mutual funds with no purchase fees.
by KyleAAA
Fri Nov 15, 2019 4:11 pm
Forum: Personal Investments
Topic: If one is pessimistic about both stocks and bonds, does a SPIA make sense?
Replies: 64
Views: 3190

Re: If one is pessimistic about both stocks and bonds, does a SPIA make sense?

No. I say that because whether one is pessimistic or optimistic of a given asset class has no bearing on the analysis.
by KyleAAA
Fri Nov 15, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Bigger car for baby?
Replies: 62
Views: 2636

Re: Bigger car for baby?

A second passenger could sit in the back seat with baby, behind the driver. You will almost certainly want to ride this way for the first few months anyway. We have just about the smallest car imaginable and have no trouble fitting car seats and passengers at the same time, so I question the need to...
by KyleAAA
Fri Nov 15, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 76
Views: 6029

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

No. The FIRE movement is very, very small with insignificant assets in the grand scheme of things.
by KyleAAA
Thu Nov 14, 2019 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)
Replies: 33
Views: 3014

Re: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)

Background checks generally only verify past employment, degrees, and look for criminal convictions. It is very, very unlikely they will even see the arrests. Companies can pay for hem to be included in a report, but as a general rule companies only receive very specific pass/fail data on the few da...
by KyleAAA
Wed Nov 13, 2019 12:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard and basketball
Replies: 14
Views: 1572

Re: Vanguard and basketball

They should advertise during tennis matches. That's a demographic with some $$$.

Edit: And apparently Hockey, according to this: https://www.theatlantic.com/business/ar ... ns/283626/
by KyleAAA
Tue Nov 12, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: The End Is Near....Isn't It ?
Replies: 27
Views: 2126

Re: The End Is Near....Isn't It ?

None of those things strike me as inherently bad for the stock market. I don't know when the next recession will hit, but in no sense "must" it be near. Sounds like you just need to adjust your portfolio to fall in line with your risk tolerance. Doing so isn't market timing.
by KyleAAA
Tue Nov 12, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house with no commissions,fair deal?
Replies: 38
Views: 1735

Re: Selling house with no commissions,fair deal?

I think people are getting caught up with irrelevant details like who gets what part of which commission and who pays for the solar lease. None of that matters. You seem to have a bottom line net amount you're willing to do this deal for. Just say that. It doesn't matter what's fair or reasonable or...
by KyleAAA
Tue Nov 12, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 31
Views: 1502

Re: Roku - is the Express sufficient?

I use a Roku Express in conjunction with Hulu live tv on one of our TVs and it works great. I don't like that I still need to use the TV remote to control volume, but other than that it works just as well.
by KyleAAA
Mon Nov 11, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
Replies: 49
Views: 6987

Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?

Realistically yeah, your friend can probably retire noe and be fine. There's a non-zero chance they will end up broke, but it isn't a very large chance. Maybe they want to ramp up their spending a bit or have a large cushion? Continuing to work a job they don't like for a few years is certainly reas...
by KyleAAA
Sun Nov 10, 2019 12:53 pm
Forum: Personal Investments
Topic: inheritance
Replies: 25
Views: 3172

Re: inheritance

Without details it will be impossible for anybody to give advice other than pointing you to generic advice about how to manage a windfall. https://www.bogleheads.org/wiki/Managing_a_windfall Every detail from the amount, your age, your tax situation, your spending, etc makes a big difference in the ...
by KyleAAA
Sat Nov 09, 2019 2:17 pm
Forum: Personal Investments
Topic: Is this a reasonable allocation for early 30s
Replies: 9
Views: 1060

Re: Is this a reasonable allocation for early 30s

Reasonable, but anything less than 5% isn’t worth bothering with IMO. Just bump up the small cap a bit if you want to own it.
by KyleAAA
Sat Nov 09, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7571

Re: Do you charge your employer for the time that you spend working on your off days?

I wouldn't try to charge him for the time, that isn't going to go well. I would ask him not to contact you on your days off, or alternatively set the expectation beforehand that you will not be reachable on a vacation day. There are many legitimate reasons one might not be within cell reception on ...
by KyleAAA
Sat Nov 09, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 64
Views: 6388

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

You didn’t lose anybody’s trust or they wouldn’t have asked you back to begin with, so regaining trust is a non issue. You might burn a bridge at the new company. If you were bored at the old company you probably will be again unless you negotiate some sort of scope increase as part of your return.
by KyleAAA
Sat Nov 09, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10514

Re: Seller's agent not letting us use a buyer's agent

Procuring cause means that the agent who "performed the tasks that led you to buy would be the agent who ‘earned’ the commission,” Read more about Procuring cause here: www.realtor.com/advice/buy/if-i-first-saw-a-house-with-one-realtor-can-i-buy-it-with-another2.amp/ This is why I generally avoid g...
by KyleAAA
Sat Nov 09, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7571

Re: Do you charge your employer for the time that you spend working on your off days?

I’ve worked at several companies that had on-call pay. It is usually a few hundred $$$ per week and you get paid whether or not there is an off hours incident. Some companies have something similar where if you need to log in to respond to an incident after hours you get a stipend, even if you aren’...
by KyleAAA
Sat Nov 09, 2019 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10514

Re: Seller's agent not letting us use a buyer's agent

The sellers agent is legally obligated to relay your offer to the seller. Just let your agent deal with it.
by KyleAAA
Fri Nov 08, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4703

Re: How bad business travel is?

10% is a non-event so long as you are going someplace you enjoy. I used to travel to Chicago once per quarter or so and had a lot of fun.
by KyleAAA
Fri Nov 08, 2019 4:55 pm
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 58
Views: 6738

Re: Boglehead investing through a major downturn

I didn't really notice the recession, tbh. My portfolio wasn't huge at the time. I would probably pay more attention now. But for me, it was a complete non-event, portfolio-wise. Careerwise, the startup I was working for ran into trouble and most of us were laid off.
by KyleAAA
Fri Nov 08, 2019 1:55 pm
Forum: Personal Investments
Topic: taxation when rebalancing??
Replies: 14
Views: 927

Re: taxation when rebalancing??

In addition to rebalancing with new funds and redirecting dividends, you could use tax-advantaged accounts for this. Instead of investing in the target retirement funds, you could invest in its individual constituents. That way, whatever needs to be sold can probably be done in a tax-advantaged acco...
by KyleAAA
Thu Nov 07, 2019 8:27 pm
Forum: Personal Investments
Topic: large stake in VNQ [Vanguard Real Estate ETF]
Replies: 17
Views: 1307

Re: large stake in VNQ [Vanguard Real Estate ETF]

What asset do you think has sky high valuations? Stocks? Based on what? They seem just about fairly valued to me.
by KyleAAA
Thu Nov 07, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Baby Coming - Is our math right to choose HDHP over PPO?
Replies: 10
Views: 1201

Re: Baby Coming - Is our math right to choose HDHP over PPO?

We had a baby with a HDHP not too long ago. We hit our deductible but not our out-of-pocket max. It was very affordable. Usually the math comes out in favor of HDHP in these scenarios. Usually. Those out of pocket maxes look kinda high, though.
by KyleAAA
Thu Nov 07, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Madza CX-5 2018 vs 2019
Replies: 14
Views: 979

Re: Madza CX-5 2018 vs 2019

I'm not sure which would be the best bang for your buck. How do you define bang? If you don't care about leather or a nice sound system, don't pay extra for it. If you do, pay extra for it. I'm not aware of significant differences between the 2018 and 2019 model, but you might be able to get a deal ...
by KyleAAA
Wed Nov 06, 2019 12:19 pm
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 2001

Re: ESPP and RSUs

Pretty sure the discount isn’t always ordinary income if you hold for a certain amount of time - I think 1 or 2 years. It’s in your plan documents. Read that section a few times. It is, no matter how long you hold. You're referring to a qualifying disposition, but that doesn't eliminate that the di...
by KyleAAA
Tue Nov 05, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 47
Views: 4286

Re: Weddings - The good? The bad?

Best piece of advice I was given is that you should accept that your wedding won't be perfect no matter what you do. It just won't. The other good advice we got was to pick one or two things you really care about, and concentrate your money there. Let everything else fall by the wayside. Example: If...
by KyleAAA
Tue Nov 05, 2019 1:28 pm
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 2001

Re: ESPP and RSUs

I hold my ESPP over two years for the preferred tax treatment. I consider it a long-term savings account. I've never lost money on my company's stock in over 15 years of receiving this benefit. RSU's I execute as soon as the vesting period is over. I usually hold them for over a year too. Not pure ...
by KyleAAA
Tue Nov 05, 2019 1:26 pm
Forum: Personal Investments
Topic: Should I let UBS manage our windfall?
Replies: 23
Views: 2551

Re: Should I let UBS manage our windfall?

You'll definitely pay higher taxes going this route. It's not a horrible portfolio for an IRA, but I wouldn't own many of these funds in taxable. It's fine if it makes you more comfortable to use a wealth manager. 0.69% isn't egregious, even if it isn't exactly cheap. Probably good enough. I think y...
by KyleAAA
Tue Nov 05, 2019 10:06 am
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 2001

Re: ESPP and RSUs

For the ESPP programs I've participated in over the years, you could get long-term treatment for all gains (including the discount) by holding for at least one year from when you received the shares AND at least two years from when the program period opened. For me I think this was always 18 months...
by KyleAAA
Tue Nov 05, 2019 10:03 am
Forum: Personal Investments
Topic: Transitioning from target date to individual funds
Replies: 5
Views: 589

Re: Transitioning from target date to individual funds

No consequences, just make the switch. You can always go back and tweak your asset location later.
by KyleAAA
Tue Nov 05, 2019 1:00 am
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 2001

Re: ESPP and RSUs

You owe regular income tax on the value of the discount regardless of how long you hold.
by KyleAAA
Mon Nov 04, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 62
Views: 4468

Re: Wife's car hit in a parking lot - how to deal with various issues?

I had a problem once with the "other driver paying direct" option. They turned around and wanted me to drive the vehicle over 500 miles to another state so that a friend who was a mechanic could fix it for cheap. I went through insurance instead.
by KyleAAA
Mon Nov 04, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of Leaving Biglaw (current midlevel) - Things to Consider
Replies: 13
Views: 2856

Re: Thinking of Leaving Biglaw (current midlevel) - Things to Consider

Get a budget. Sounds like your income would be in the $300k range if you went inhouse. I don't know where you're located, but you ought to be able to save at least $100k even in a VHCOL area. You seem to already be doing fine, so as long as you hit your savings target I'm not sure what else you woul...
by KyleAAA
Mon Nov 04, 2019 7:00 pm
Forum: Personal Investments
Topic: Stock market at its peak
Replies: 32
Views: 4620

Re: Stock market at its peak

The stock market spends most of its time at an all time high. That's a natural result of the stock market's upward trajectory over time. Even you waited until the market wasn't near an all time high, you'd probably never invest any money.
by KyleAAA
Sun Nov 03, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Lexus CPO - anyone made a claim? Worth the cost?
Replies: 18
Views: 2406

Re: Lexus CPO - anyone made a claim? Worth the cost?

The Lexus powertrain will probably be very reliable, but all those extra electronics/luxury features probably won’t. Might be nice to have the full bumper to bumper warranty in case the heated seats stop working or something like that. If this were a Corolla I’d say definitely not worth it, but by d...
by KyleAAA
Sat Nov 02, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 1982

Re: Website that shows salary/benefit/401k information for companies?

Voltaire2.0 wrote:
Thu Oct 31, 2019 6:09 pm
I know firsthand that companies can have negative reviews removed, if they're a paying customer of Glassdoor.
Could you elaborate on this? I have a friend who is an engineer at Glassdoor and he insists that isn’t possible.
by KyleAAA
Fri Nov 01, 2019 10:23 pm
Forum: Personal Investments
Topic: Vanguard Information Technology - VGT or VITAX
Replies: 61
Views: 15266

Re: Vanguard Information Technology - VGT or VITAX

I don’t, because I work in the industry and have very heavy exposure via RSUs in my employer already. It’s not a bad long term play to moderately tilt if you can stand the gyrations IMO. There is legislative risk that’s anybody’s guess how it will play out. Not sure why it doesn’t include AMZN. AWS ...
by KyleAAA
Thu Oct 31, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 1982

Re: Website that shows salary/benefit/401k information for companies?

Would it be okay to ask for salary/benefit info through the initial email stages ? I've done that many times. I've used something like "Hi, Thanks for reaching out! The opportunity looks very interesting and I'd love to chat more about the cool work you're doing at <Company>. You can reach me at (x...
by KyleAAA
Thu Oct 31, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide on HSA
Replies: 21
Views: 1130

Re: Help me decide on HSA

I've had the same choice at two employers now (seems to be increasingly popular) and the math has both times come down heavily on the side of choosing the HDHP with HSA. In your case, it seems like a no brainer. You're generally best off investing the entire HSA balance and paying health expenses ou...
by KyleAAA
Thu Oct 31, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 1982

Re: Website that shows salary/benefit/401k information for companies?

I always ask for both up front and I've never been denied. For 401k info: http://www.myplaniq.com/ https://www.brightscope.com/ratings/ Insurance: I don't know of any good resources, although you can usually find something on the company's career site even if not specifics. I find if you google "<em...
by KyleAAA
Wed Oct 30, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?
Replies: 15
Views: 781

Re: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?

It will likely be clear through the weekend. If you can go THIS WEEKEND, do it. If not, don't bother. The weather is usually miserable and you can't see more than 20 feet in front of your face at Rainier most days. It will be very, very cold on the mountain. If you can do only one, I'd do Olympic NP...
by KyleAAA
Wed Oct 30, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance $120k student loans before or after marriage?
Replies: 32
Views: 1868

Re: Refinance $120k student loans before or after marriage?

The income won't make a difference, but it might if you have very good credit and she doesn't.
by KyleAAA
Tue Oct 29, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Vanguard Web Site Interface
Replies: 15
Views: 1275

Re: Vanguard Web Site Interface

Relax, bugs happen. Not the end of the world. It already appears to be fixed for me.
by KyleAAA
Tue Oct 29, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 24912

Re: IT compensation comparison

I got inspired by this thread to try my luck at applying for some of these highly paid IT jobs.. I managed to land a first interview at a FinTech company. Unfortunately, they decided I was not the right fit. I did notice the vast majority of the tech people in this company were under 35. Also most ...
by KyleAAA
Tue Oct 29, 2019 11:59 am
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4652

Re: No more Vanguard... wow

I wouldn't worry. I've had 401ks by both fidelity and vanguard and the fidelity plan was MUCH better.
by KyleAAA
Sun Oct 27, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 3955

Re: Vacation ideas for February

Puerto Rico. Riviera Maya. Argentina. Anywhere south of Orlando should do it.
by KyleAAA
Sun Oct 27, 2019 12:55 pm
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 201
Views: 20578

Re: I’m done with index funds

This doesn’t at all go against the bogleheads investment philosophy. Keep expenses low and invest tax efficiently. Direct indexing has long been discussed here as making sense for investors with very high net worths. Just make sure the tax benefits are worth the expenses incurred. I would question g...
by KyleAAA
Sun Oct 27, 2019 12:42 am
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6610

Re: How much does a "good school district" matter?

I have never seen evidence they matter.
by KyleAAA
Thu Oct 24, 2019 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads think about House Hacking?
Replies: 51
Views: 6054

Re: What do Bogleheads think about House Hacking?

I mean yeah, of course it works. I used to rent out the 2nd bedroom in my old condo. It was nice as I lived for close to free. The downside is, you have to live with a roommate. That's probably why most people don't do it. Ditto eith buying a duplex and renting 1 unit. The downside is obvious. But i...
by KyleAAA
Tue Oct 22, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11613

Re: Ok to go without health insurance?

This seems incredibly short sighted. A string of bad luck could completely wipe out your net worth. Not likely, but stranger things have happened. The insurance costs you cite seem like very, very cheap insurance. Certainly, at some point self insurance becomes reasonable. Mid 7 figures is nowhere n...