Search found 6288 matches

by KyleAAA
Sun Dec 17, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: too much $ in my company of work?
Replies: 32
Views: 1647

Re: too much $ in my company of work?

Let me get this straight. You get to purchase stock at a straight up 15% discount? Why are so many people against this? That's a 15% margin of error built in automatically... If it is a good company worthy of investment then it certainly would be with a 15% discount! If the company is struggling th...
by KyleAAA
Sun Dec 17, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: too much $ in my company of work?
Replies: 32
Views: 1647

Re: too much $ in my company of work?

Best practice for ESPP. Unless your Program has any crazy non-standard provisions it’s probably a good deal. If they let you buy at a discount to the lower of the start and end price it’s a no brainer.

https://blog.wealthfront.com/good-espp-no-brainer/
by KyleAAA
Thu Dec 14, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 56
Views: 5869

Re: Reached 50X annual spending. Now what?

At a 2% withdrawal rate, practically any reasonable allocation will be fine. I'd be likely to invest a bit more aggressively (maybe something like 65/35) in that situation.
by KyleAAA
Thu Dec 14, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Can rental home generate small income?
Replies: 42
Views: 2688

Re: Can rental home generate small income?

I can't comment on whether the particular home you're referring to is a good investment, but to answer your question generally yes, it's certainly possible. I wouldn't recommend trying if you aren't going to be dedicated to building a rental business because you'll get fleeced.
by KyleAAA
Wed Dec 13, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 22
Views: 1406

Re: Young Investor: When to diversify

I would say when it's practical, i.e. when the amount of total international you need to meet your desired asset allocation exceeds the minimum investment ($3k, I believe).
by KyleAAA
Mon Dec 11, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 5514

Re: Can we afford to live on one income?

You can easily afford it unless retiring by 50 is a goal.
by KyleAAA
Sun Dec 10, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2519

Re: Do girls wear Ninja Turtle character shoes

Of course girls like ninja turtles. They’re heroes in a half shell.
by KyleAAA
Sat Dec 09, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Time to move to a different company?
Replies: 4
Views: 800

Re: Time to move to a different company?

I’d leave just for the improved commute, all else being equal. That the work would be more interesting is just icing on the cake. Life is too short for horrible commutes.
by KyleAAA
Fri Dec 08, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6842

Re: Vanguard customer service reps need some training

I know very little about the cost of upgrading technology on a large scale for an organization the size of Vanguard, but I find myself wondering if it's really more expensive than paying CS staff to handle things the web site ought to be able to do. I know very much about the cost involved, and it ...
by KyleAAA
Fri Dec 08, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Move to International Stock Fund?
Replies: 7
Views: 359

Re: Move to International Stock Fund?

No, because it implies your belief is certain to be correct. Better to pick a reasonable, diversified portfolio and stick to it regardless of valuations. And there is no scenario whatsoever where investing in equities, whether international or domestic, could be regarded as "safer" than investment-g...
by KyleAAA
Thu Dec 07, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Re-inventing career in mid 30s? Law? Tech? Sales?
Replies: 18
Views: 2230

Re: Re-inventing career in mid 30s? Law? Tech? Sales?

You probably don't need a computer science degree or to know much about math for your average government IT job. Depending on which niche you're interested in, a few industry certifications may be all you need. If anything, a CIS or MIS degree would seem more appropriate than CS.
by KyleAAA
Thu Dec 07, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2403

Re: 112K pension- need help w/the rest

Four in one index fund is fine. Doesn't sound like you'll need to touch if for another decadence two and it's in an IRA so you can sell it in favor of a more conservative fund later if you wish. I would definitely encourage you to take your wife's pension and portfolio into account. before making an...
by KyleAAA
Wed Dec 06, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3655

Re: Vegas on a budget

Fremont Street Experience is still quite cheap.
by KyleAAA
Sun Dec 03, 2017 12:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6842

Re: Vanguard customer service reps need some training

Yes, phone transactions are error prone. Perhaps your instructions weren’t as clear as you thought they were? Either way, doing it online is a far superior option.
by KyleAAA
Sat Dec 02, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

Kyle, If someone spends $30K on an asset, and it returns $30K in a year, that is a 100% annualized return. If it returns $15K, its a 50% return. I don't know why this elementary math even needs to be stated. A less than 30% ROI on leveraged real estate is disappointing. I only have one property tha...
by KyleAAA
Fri Dec 01, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

Kyle, If someone spends $30K on an asset, and it returns $30K in a year, that is a 100% annualized return. If it returns $15K, its a 50% return. I don't know why this elementary math even needs to be stated. A less than 30% ROI on leveraged real estate is disappointing. I only have one property tha...
by KyleAAA
Fri Dec 01, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3149

Re: I'm 100% international with VEU. Is this wise?

I don’t believe it’s wise to market time market segments based on PE, no.
by KyleAAA
Fri Dec 01, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 8977

Re: Thankful for the Debt we Took - Should we Try Again?

Glad you beat the odds. You asked for advice so no. The Bogle way may not be sexy but it has 100% guarantee to work. A pyramid scheme with debt only works if you are not on the bottom but you will never know when or if you will be on it. Your odds are about the same if you just went to Vegas. I thi...
by KyleAAA
Fri Dec 01, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

"20% ROI is not sustainable or practical to obtain for any length of time. If 20% ROI was available to everybody through real estate investing, nobody would invest in the stock market which returns 8% ROI historically." The quote by miami vice. The conversation was about ROI. Even amongst RE invest...
by KyleAAA
Fri Dec 01, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

We are talking return on investment (ROI), NOT return on equity. No, everybody but you is talking about the rate at which one's investments compound. Fine, don't count the $108K if you don't want to. Still, the property returns $28K per year from the other profit centers on a $35K investment. Thats...
by KyleAAA
Fri Dec 01, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

All, 20% ROI is not sustainable or practical to obtain for any length of time. If 20% ROI was available to everybody through real estate investing, nobody would invest in the stock market which returns 8% ROI historically. Some of you may have been lucky. Some may have added to your initial investm...
by KyleAAA
Thu Nov 30, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

And maybe you made $30K that one time in 2013 on a great deal - good for you. But can you repeat and scale it, in 2017, with $500K or $1M? With $1M in 2017? Depends on the market you're in. In Manhattan? I'm not sure but I would suspect probably not. In several markets I know? Yes, trivially. Even ...
by KyleAAA
Thu Nov 30, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

All, 20% ROI is not sustainable or practical to obtain for any length of time. If 20% ROI was available to everybody through real estate investing, nobody would invest in the stock market which returns 8% ROI historically. Some of you may have been lucky. Some may have added to your initial investm...
by KyleAAA
Thu Nov 30, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

If it were in fact possible to do this, then the big boys would pile in and push the prices of whatever they used to do this to the moon, so that they would end up earning the market return. It's just economics. The big boys wouldn't because they can't. A pension fund isn't going to chase a $50k pr...
by KyleAAA
Thu Nov 30, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

My real estate investments pay a >20% annualized return on the low end. On the high end, I have pulled refi'd all my "all in" on a deal, yielding a return of infinity. Its just math. Try doing that with an index fund. An infinite return is mathematically impossible. If you have no money in the deal...
by KyleAAA
Thu Nov 30, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

My real estate investments pay a >20% annualized return on the low end. On the high end, I have pulled refi'd all my "all in" on a deal, yielding a return of infinity. Its just math. Try doing that with an index fund. An infinite return is mathematically impossible. If you have no money in the deal...
by KyleAAA
Wed Nov 29, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5490

Re: When to tell the SO about my financial situation?

If you want to make sure she's not the type to treat you differently because you have money, wouldn't the easiest way to figure that out be to tell her and see if she treats you differently? My wife and I knew each others' financial picture in detail before we were engaged but it isn't necessarily s...
by KyleAAA
Wed Nov 29, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

...Have you considered the value of your labor in calculating your returns? If not, then you aren't comparing apples and apples, because stocks and REITs don't require labor. To me that is a feature, not a bug. There is no way for me to put my own labor into stocks and REITs. What is the value of y...
by KyleAAA
Wed Nov 29, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

My real estate investments pay a >20% annualized return on the low end. On the high end, I have pulled refi'd all my "all in" on a deal, yielding a return of infinity. Its just math. Try doing that with an index fund. An infinite return is mathematically impossible. If you have no money in the deal...
by KyleAAA
Tue Nov 28, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7384

Re: Is there any reason to invest in real estate?

REITs buy you diversification and liquidity, but tend not to be especially highly leveraged (typically under 50% vs 80% for small landlords) and tend not to invest in the types of properties small landlords invest in (single family homes, duplexes, etc). By necessity, REITs tend to invest exclusivel...
by KyleAAA
Tue Nov 28, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8620

Re: Can I afford a $1,400,000 house

Mathematically you can probably afford it with the $200k gift but you'll probably feel stretched for quite a while with that student loan overhang. If you were otherwise debt free I'd say go for it. As mentioned above, truly "unique" opportunities are very rare. There's always another house you'll l...
by KyleAAA
Tue Nov 28, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12251

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

I'm cautiously excited about the multifactor value/momentum/quality fund. It's fairly easy to get small/value/quality (IJS/VIOV) but getting momentum exposure without sacrificing value is very difficult. I just hope they don't have a negative loading on small like most multifactor funds seem to have...
by KyleAAA
Tue Nov 28, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: I'm worried the Vangaurd Target Retirement 2035 (VTTHX) might be too conservative
Replies: 27
Views: 1805

Re: I'm worried the Vangaurd Target Retirement 2035 (VTTHX) might be too conservative

A rule-of-thumb is just a stab at advice that is fairly universally reasonable, not perfect. There's another rule-of-thumb that says age minus 20 in bonds. I'd say anything between those two endpoints is fine.
by KyleAAA
Mon Nov 27, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7859

Re: CNBC says Vanguard says 70% Chance of "Correction"

Sounds like great market conditions for accumulators over the next 5 years, then.
by KyleAAA
Mon Nov 27, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Convert Portfolio from 70/30 to 30/70 Gradually or All at Once?
Replies: 49
Views: 3395

Re: Convert Portfolio from 70/30 to 30/70 Gradually or All at Once?

Will a 30/70 portfolio be sufficient to sustain a 4% inflation-adjusted withdrawal rate through a 30+ year retirement?
by KyleAAA
Fri Nov 24, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6968

Re: Tipping in living wage state. Redux.

Your logic is flawed if you think a 16 year old HS kid scooping ice cream is worth $15 an hour. Some jobs are normally filled by people who don't support themselves, let alone a family, on the wage. What exactly does logic have to do with whether or not a HS kid is worth $15 per hour? If that’s wha...
by KyleAAA
Fri Nov 24, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6968

Re: Tipping in living wage state. Redux.

In those states, correct. I was referring to the fact that i also know for certain how much servers make before tip in MY area , which is my motivation for tipping 20%+ in normal circumstances. Are you their accountant? No. Does one need to be an accountant to know what a restaurant pays tipped ser...
by KyleAAA
Fri Nov 24, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 8977

Re: Thankful for the Debt we Took - Should we Try Again?

I’d definitely trade the ARM for a fixed rate mortgage at that rate. Whether you take cash out at closing is a different discussion. That’s not a bad rate so it wouldn’t necessarily be the worst decision if you can comfortably afford the payments.
by KyleAAA
Fri Nov 24, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6968

Re: Tipping in living wage state. Redux.

In those states, correct. I was referring to the fact that i also know for certain how much servers make before tip in MY area , which is my motivation for tipping 20%+ in normal circumstances. Are you their accountant? No. Does one need to be an accountant to know what a restaurant pays tipped ser...
by KyleAAA
Fri Nov 24, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6968

Re: Tipping in living wage state. Redux.

How do you know how much your servers are paid? Do you ask them? They earn the tipped minimum in my area, so I know with a high degree of certainty. Or do you mean "how do you know how much they make AFTER tips?" I don't, but that's irrelevant. They make that money BECAUSE we tip, which is why I do...
by KyleAAA
Fri Nov 24, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Value Index Mutual Fund Question
Replies: 5
Views: 617

Re: Vanguard Value Index Mutual Fund Question

The point with the value premium is that it isn’t sensitive to the exact definition of “value.” The fact that you can define value in any number of reasonable ways and it still persists is exactly why we have so much trust in it. Value being subjective is a feature, not a bug: it works either way.
by KyleAAA
Fri Nov 24, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: How Does Real Estate Affect Asset Allocation?
Replies: 34
Views: 2209

Re: How Does Real Estate Affect Asset Allocation?

Include investment real estate in your portfolio for the purposes of asset allocation but not your primary residence. I’d personally include the vacation property as well unless you are 100% certain you will never sell it or extract equity in any way for other purposes. Why wouldn’t you include inve...
by KyleAAA
Fri Nov 24, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 19
Views: 1615

Re: HelloFresh meal boxes - disputing credit card charge

I cancelled my HelloFresh membership the second I signed up, one of the primary reasons being the account management options are not at all user friendly. I wanted to set up one delivery and then cancel or keep on hold the future deliveries until I have a chance to taste their first meal to make a ...
by KyleAAA
Fri Nov 24, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6968

Re: Tipping in living wage state. Redux.

I bag my groceries myself, don't have a child, and don't interact with the people who stock my shelves. But no, I don't believe they are underpaid in the way my server is, so I wouldn't tip them if I had the opportunity. If I knew my server made $35/hr 40 hours per week I wouldn't tip so generously...
by KyleAAA
Fri Nov 24, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6968

Re: Tipping in living wage state. Redux.

I bag my groceries myself, don't have a child, and don't interact with the people who stock my shelves. But no, I don't believe they are underpaid in the way my server is, so I wouldn't tip them if I had the opportunity. If I knew my server made $35/hr 40 hours per week I wouldn't tip so generously...
by KyleAAA
Fri Nov 24, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6968

Re: Tipping in living wage state. Redux.

They earn the tipped minimum in my area, so I know with a high degree of certainty. Or do you mean "how do you know how much they make AFTER tips?" I don't, but that's irrelevant. They make that money BECAUSE we tip, which is why I do. I was asking about pre-tip income. How do you know that your se...
by KyleAAA
Fri Nov 24, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 8919

Re: Why does everyone keep increasing their international stock %?

There are good reasons for this. Foreign stock markets account for about half the global equity market cap and efficient market logic demands that overweighting the US amounts to an active investment decision. Furthermore, while there was always a theoretical argument for international diversificati...
by KyleAAA
Mon Nov 20, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6968

Re: Tipping in living wage state. Redux.

I bag my groceries myself, don't have a child, and don't interact with the people who stock my shelves. But no, I don't believe they are underpaid in the way my server is, so I wouldn't tip them if I had the opportunity. If I knew my server made $35/hr 40 hours per week I wouldn't tip so generously...
by KyleAAA
Mon Nov 20, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6968

Re: Tipping in living wage state. Redux.

Maybe my sarcasm meter is broken because I'm having a very difficult time getting a read on this response. That's an unavoidable question for anybody who suggests they tip because they believe servers are underpaid, and I have a difficult time taking anybody seriously who says they tip everybody th...
by KyleAAA
Mon Nov 20, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 19
Views: 1615

Re: HelloFresh meal boxes - disputing credit card charge

FWIW we used the same promo code some time back and thought it was clear we'd be enrolled and that we could freeze the account or skip a week any time by logging in. We were generally very happy with the meals but after a while they started repeating the same recipes so we cancelled. We still make a...