Search found 7044 matches

by KyleAAA
Mon Jun 24, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 20
Views: 1736

Re: Career advice

All those companies have Technical Program Management tracks which more closely align with what you have been doing, most likely. They are somewhat technical positions so while you won't be writing code, you need to be able to understand it and system architecture. But the meat of the job is basical...
by KyleAAA
Mon Jun 24, 2019 1:54 pm
Forum: Investing - Theory, News & General
Topic: RIP to value investing...
Replies: 40
Views: 4452

Re: RIP to value investing...

Time to tilt to value.
by KyleAAA
Wed Jun 19, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: Karsten (Early Retirement Now) Pens a Challenge to Merriman and the Small/Value Premium
Replies: 65
Views: 5304

Re: Karsten (Early Retirement Now) Pens a Challenge to Merriman and the Small/Value Premium

Isn't Merriman's portfolio 40% bonds? I'm not sure the S&P 500 is the best benchmark.
by KyleAAA
Tue Jun 18, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 522
Views: 42879

Re: Why are you NOT buying rental properties?

Buy a good property at below market price in an up and coming neighborhood and you don’t have to worry about a measly 10-20% rent. OP, i'm curious about your "below market price" statement. Are you buying individual homes which are for sale in the public market? if so, i don't know that you're buyi...
by KyleAAA
Tue Jun 18, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 522
Views: 42879

Re: Why are you NOT buying rental properties?

My question is ... if rental properties are so amazing, why don't the banks, who give us 80% of the money for the purchase of these places, just buy them all, have their own management company, and just own the world? Because their current business model is better. By the logic of this argument, no...
by KyleAAA
Mon Jun 17, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3070

Re: Maternity and Paternity leave policies

Current employer is 12 weeks paid for fathers and I think 20 weeks for mothers
by KyleAAA
Mon Jun 17, 2019 1:23 am
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 29
Views: 2923

Re: For those who have a revenue generating website.

Not to hijack, but what would people recommend for building a simple, informational site, with a blog? Wix, weebly, wordpress, squarespace, Wordpress or Ghost. Silly question, but wordpress.com or wordpress.org? They are the same thing. Wordpress.com is just a managed host for a WordPress installat...
by KyleAAA
Sun Jun 16, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 29
Views: 2923

Re: For those who have a revenue generating website.

jb1 wrote:
Sun Jun 16, 2019 2:31 pm
Not to hijack, but what would people recommend for building a simple, informational site, with a blog?

Wix, weebly, wordpress, squarespace,
Wordpress or Ghost.
by KyleAAA
Sun Jun 16, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 29
Views: 2923

Re: For those who have a revenue generating website.

Hi KyleAAA. What's crazy is that I don't actually have any details. I am just doing some research trying to understand if building a revenue building website is anything an amateur should even tangle with. I understand it may be difficult to really comment on without knowing more but what I think I...
by KyleAAA
Sun Jun 16, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 29
Views: 2923

Re: For those who have a revenue generating website.

I would like to gain some first hand advice from anyone who currently has a revenue generating website. In general, I would like to hear about your experiences relating to the following: 1) Is this a reasonable DIY starter project or does it pretty much require the use of a professional design agen...
by KyleAAA
Sun Jun 16, 2019 12:23 pm
Forum: Personal Investments
Topic: High net worth individual seeks portfolio advice
Replies: 81
Views: 8560

Re: High net worth individual seeks portfolio advice

With $10 million, any strategy you pick will be fine if you aren't spending $500k per year. This might not be the best place to get confirmation for your "wait for the big drop and then I'll add stocks" strategy. Thanks for the reply and advice. Our spending is only at $80k per year, and that could...
by KyleAAA
Sat Jun 15, 2019 11:42 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 29
Views: 2923

Re: For those who have a revenue generating website.

I would like to gain some first hand advice from anyone who currently has a revenue generating website. In general, I would like to hear about your experiences relating to the following: 1) Is this a reasonable DIY starter project or does it pretty much require the use of a professional design agen...
by KyleAAA
Sat Jun 15, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 29
Views: 2923

Re: For those who have a revenue generating website.

I would like to gain some first hand advice from anyone who currently has a revenue generating website. In general, I would like to hear about your experiences relating to the following: 1) Is this a reasonable DIY starter project or does it pretty much require the use of a professional design agen...
by KyleAAA
Fri Jun 14, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs
Replies: 193
Views: 8663

Re: The Case Against ETFs

I am not aware of any academic literature that concludes ETFs, as a form, are bad for investors. Even the ones you linked simply conclude they don't make investors better off. Bad behavior is equally easy with traditional mutual funds. Where are the studies to support ETFs? Vanguard has migrated a ...
by KyleAAA
Fri Jun 14, 2019 1:23 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6103

Re: Why are my Vanguard returns suddenly so low?

Yeah, markets fluctuate. They don't go up every day.
by KyleAAA
Fri Jun 14, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs
Replies: 193
Views: 8663

Re: The Case Against ETFs

I am not aware of any academic literature that concludes ETFs, as a form, are bad for investors. Even the ones you linked simply conclude they don't make investors better off. Bad behavior is equally easy with traditional mutual funds.
by KyleAAA
Thu Jun 13, 2019 12:30 pm
Forum: Personal Investments
Topic: Purchasing home with less than 20% downpayment experiences?
Replies: 52
Views: 3368

Re: Purchasing home with less than 20% downpayment experiences?

We put 10% down for the house before this one. We didn't pay a higher rate because we had very good credit. Had to pay PMI, but it was nominal compared to the value of keeping more liquid cash reserves. We ended up needing the extra reserves, so no regrets. My first condo I bought with 5% down. No P...
by KyleAAA
Thu Jun 13, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS
Replies: 25
Views: 1595

Re: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS

I'd be tempted to go with option 4: use the 3FP but forget about managing it. Don't worry about rebalancing, just set a reasonable allocation (maybe 50/50 to start) and let it ride. Yes, it will become more stock-heavy over time. No, I don't think that's a problem. If you aren't willing to do that, ...
by KyleAAA
Wed Jun 12, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: Slice and dice for bonds
Replies: 49
Views: 3325

Re: Slice and dice for bonds

I do 50/50 intermediate term bond index and TIPS. Works for me.
by KyleAAA
Tue Jun 11, 2019 6:22 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6222

Re: Do Fidelity Offices/Advisors Add Value?

I visited a Fidelity office once. It was just easier than trying to do it over the phone. Other than that, I've never had a need.
by KyleAAA
Sun Jun 09, 2019 2:49 pm
Forum: Personal Investments
Topic: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)
Replies: 35
Views: 5988

Re: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)

3.5% is the highest you should go with a retirement that long, so forget the 4% number. There are no FIRE "experts" because nobody currently writing on the topic has actually managed a 50+ year retirement. At best they are a few years in and have made some assumptions they are comfortable with that ...
by KyleAAA
Sun Jun 09, 2019 2:37 pm
Forum: Personal Investments
Topic: Difference between International funds? (Total International vs. Developed, Emerging, Growth, Value)
Replies: 8
Views: 728

Re: Difference between International funds? (Total International vs. Developed, Emerging, Growth, Value)

You shouldn't deviate from the total market unless you have a specific reason to do so. It doesn't sound like you have a specific reason, so my advice is to stick with what you have.
by KyleAAA
Sun Jun 09, 2019 1:09 pm
Forum: Personal Investments
Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Replies: 16
Views: 1170

Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds

Northern Flicker wrote:
Sun Jun 09, 2019 1:05 pm
Most likely the employer offers both so that participants can choose between active (TIAA) and passive (Vanguard) management.
The TIAA target funds are passive as well.
by KyleAAA
Sun Jun 09, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: How are your 30s financially different than your late 20s?
Replies: 47
Views: 5674

Re: How are your 30s financially different than your late 20s?

No surprises, I just have a lot more money due to much higher income and the ongoing bull market. We did buy a more expensive home but largely because we moved to a higher COL area and not due so much to wanting to upgrade. Things hurt more now that I’m in my late 30s but still no major health probl...
by KyleAAA
Sun Jun 09, 2019 12:56 pm
Forum: Personal Investments
Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Replies: 16
Views: 1170

Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds

You can just flip a coin between the two or continue splitting your contributions between both. It isn’t a decision that will make any difference in the long term. It seems odd that your employer would offer both. Kinda defeats the point IMO.
by KyleAAA
Fri Jun 07, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: Is an active mutual fund ever appropriate?
Replies: 21
Views: 1795

Re: Is an active mutual fund ever appropriate?

The expensive ones, no. But for example, Vanguard Wellington Admiral shares only cost 0.17%. That might be worth it for a lot of people if the asset allocation fits your needs. The advantage of index funds comes primarily from their lower costs, not some magical property of following an index. If an...
by KyleAAA
Thu Jun 06, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2136

Re: Do we need a realtor? First time home buyer, buying from landlord

Did you sign anything? If so you might owe them a commission even if they didn’t show you the house. Nope didn't sign anything, but it'll be awkward to break up after she'd already done some research on what the house should be priced at. Maybe I could negotiate with her a reduced commission or som...
by KyleAAA
Thu Jun 06, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: Convince me not to try to time the market
Replies: 27
Views: 2042

Re: Convince me not to try to time the market

It is dumb to jump in at the top. The problem is there is no way to determine if we are at the top.
by KyleAAA
Wed Jun 05, 2019 12:05 am
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2136

Re: Do we need a realtor? First time home buyer, buying from landlord

Did you sign anything? If so you might owe them a commission even if they didn’t show you the house.
by KyleAAA
Tue Jun 04, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 5933

Re: Would you buy a house without a garage?

I’ve never owned a house with a garage. Pretty common in the city, I would say.I don’t think the bathroom thing would bother me, either.
by KyleAAA
Fri May 31, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE in 6-7 years vs 20+ years
Replies: 44
Views: 4884

Re: FIRE in 6-7 years vs 20+ years

I’d accumulate $1mm or so over 5 years and move back to Pakistan since you are from there. You will have a higher QOL from the sound of it.
by KyleAAA
Thu May 30, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to preserve $10M+ in wealth owned by unsophisticated people?
Replies: 82
Views: 14509

Re: How to preserve $10M+ in wealth owned by unsophisticated people?

I don't think you can, really. Not without being heavy handed, and that breeds resentment. Probably for the best.
by KyleAAA
Fri May 24, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6518

Re: de-googling my life: Keep Notes alternatives

I would say the same about you. In my previous answer to you I listed many differences between StandardNotes and Onenote that make StandardNotes more secure. Yet you failed to address any of them. Let me repeat them here, perhaps you will address them and tell us how Onenote is as secure as Standar...
by KyleAAA
Tue May 21, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6518

Re: de-googling my life: Keep Notes alternatives

It has the exact opposite incentive with its business apps, where trust and data privacy are EVERYTHING. Plus, the people who ran the company back then aren't around anymore. Making a few billion dollars in the short term by doing that just doesn't make business sense. They charge for Office direct...
by KyleAAA
Tue May 21, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6518

Re: de-googling my life: Keep Notes alternatives

Microsoft also doesn’t need to advertise, as their revenue is from software and service sales. Bing and Windows ads would like to have a word. 🙂 Which has nothing to do with its Office suite, of course, which is what OneNote is a part of. With all due respect, the two apps have a lot to do with eac...
by KyleAAA
Tue May 21, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 2975

Re: What computer to buy for snowbird

A Linux kernel will soon be shipped with Windows 10. If you like the Surface, I'd stick with that if only because you don't have to deal with any bloatware if you buy directly from MSFT.

https://devblogs.microsoft.com/commandl ... h-windows/
by KyleAAA
Mon May 20, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11321

Re: Should I encourage my kids to work in high school/college?

During college definitely yes, in the form of a summer internship or co-op program.
by KyleAAA
Mon May 20, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6518

Re: de-googling my life: Keep Notes alternatives

revert wrote:
Sun May 19, 2019 1:57 pm
KyleAAA wrote:
Sun May 19, 2019 12:22 pm
Microsoft also doesn’t need to advertise, as their revenue is from software and service sales.
Bing and Windows ads would like to have a word. 🙂
Which has nothing to do with its Office suite, of course, which is what OneNote is a part of.
by KyleAAA
Sun May 19, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6518

Re: de-googling my life: Keep Notes alternatives

Apple is also good from a privacy perspective but not cross platform. While I generally agree with you, it’s important to note you can access a lot through your web browser by logging into iCloud. You can access all your notes via browser. $3 a month gets you 200gb of storage as well which is prett...
by KyleAAA
Sun May 19, 2019 1:28 am
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6518

Re: de-googling my life: Keep Notes alternatives

OneNote fulfills all your requirements and there is a free version. I use it on my (very) old phone and it performs well. Realistically, it is your most privacy-friendly cross platform option by far. Apple is also good from a privacy perspective but not cross platform.
by KyleAAA
Sat May 18, 2019 1:54 pm
Forum: Personal Investments
Topic: "Steelmanning" the case for owning individual stocks
Replies: 75
Views: 6277

Re: "Steelmanning" the case for owning individual stocks

Owning individual stocks makes a lot of sense for very wealthy individuals. They can make sense in niche cases for those of more normal means. If you told me you wanted to hold 50 stocks based on some reasonable set of rules I would say sure, go for it. Just make sure you understand the risks.
by KyleAAA
Sat May 18, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: At what NW do I have disposable income?
Replies: 85
Views: 5984

Re: At what NW do I have disposable income?

After you’ve put away 15% for retirement and paid all your bills. Any more savings than that is gravy. I don’t think NW comes into play.
by KyleAAA
Sat May 18, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17979

Re: High net worth, elite private or “good” public

Why would the school’s test scores have anything to do with how YOUR children will score? There is no good evidence that outcomes improve due to a private school education and lots of evidence of the negative consequences of this type of self-segregation.
by KyleAAA
Sat May 18, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4725

Re: Careers in art

Your daughter could hedge by getting a minor in business or something along those lines. Business acumen comes in handy for most professions. There are plenty of creative fields somebody with an art degree could go into.
by KyleAAA
Fri May 17, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Going rate for real estate commissions, ATL
Replies: 11
Views: 1087

Re: Going rate for real estate commissions, ATL

6% is the standard but you might be able to negotiate down to 4-5% because it's such a hot market.
by KyleAAA
Fri May 17, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4099

Re: Reservations about job offer

Some companies do have a policy of having externally hired leads act as ICs for a few months, but generally you still have the title and it's understood from the start when you will start taking on lead responsibilities. Bringing you on without even the title is unusual in my experience.
by KyleAAA
Thu May 16, 2019 7:37 pm
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 8878

Re: Amazon....we all have seen this before :)

Retailers have figured out how to fight back to a certain extent (look at the turnaround Best Buy has pulled off) and they are slowly losing their grip on cloud infrastructure as well, although the market is growing so fast it won't impact revenue growth for quite some time. They will keep growing a...
by KyleAAA
Thu May 16, 2019 7:09 pm
Forum: Personal Investments
Topic: Tilting very slightly towards small & mid caps. Is this a good idea?
Replies: 36
Views: 2894

Re: Tilting very slightly towards small & mid caps. Is this a good idea?

On a scale of 1-10, if 1 is very risk adverse and 10 is very aggressive, I am probably between a 7.5-8.5. Sure, lots of people tilt. People who tilt tend to tilt much stronger than what you suggest, but your plan is fine. For comparison, I tilt 50% of my stock holdings to small cap value. How about...
by KyleAAA
Thu May 16, 2019 6:11 pm
Forum: Personal Investments
Topic: Tilting very slightly towards small & mid caps. Is this a good idea?
Replies: 36
Views: 2894

Re: Tilting very slightly towards small & mid caps. Is this a good idea?

Sure, lots of people tilt. People who tilt tend to tilt much stronger than what you suggest, but your plan is fine. For comparison, I tilt 50% of my stock holdings to small cap value.