Search found 6710 matches

by KyleAAA
Sun Dec 09, 2018 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Best Alternative to Vanguard (Taxable Investing)
Replies: 20
Views: 2816

Re: Best Alternative to Vanguard (Taxable Investing)

Fidelity is great. You can buy ishares ETFs for free. The Schwab ETFs are also good. Most of my taxable investments are st Fidelity. Vanguard now offers a very large number of ETFs of other firms commission free ( pdf list ) including Fidelity, Schwab, BlackRock (iShares), State Street (SPDR), and ...
by KyleAAA
Sat Dec 08, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Best Alternative to Vanguard (Taxable Investing)
Replies: 20
Views: 2816

Re: Best Alternative to Vanguard (Taxable Investing)

Fidelity is great. You can buy ishares ETFs for free. The Schwab ETFs are also good. Most of my taxable investments are st Fidelity.
by KyleAAA
Sat Dec 01, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Stock Buybacks Don't Increase Share Prices
Replies: 33
Views: 2748

Re: Stock Buybacks Don't Increase Share Prices

Why do people keep repeating the claim that stock buybacks increase share prices? You do know that your theory of how things works has been repeatedly shown to be empirically wrong, right? Do you have any empirical evidence that your theory is correct? "Anomalous Price Behavior Around Repurchase Te...
by KyleAAA
Fri Nov 30, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: Why are REITS a separate asset class but healthcare is not?
Replies: 55
Views: 2997

Re: Why are REITS a separate asset class but healthcare is not?

I don't know if many people consider REITs a separate asset class. People consider real estate to be a separate asset class with REITs being a highly imperfect proxy.
by KyleAAA
Fri Nov 30, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is Wells Fargo doing a bait and switch with mortgage rate?
Replies: 24
Views: 2153

Re: Is Wells Fargo doing a bait and switch with mortgage rate?

From my research Wells Fargo is known to have VERY competitive rates. My last mortgage was through them and no other lender could come close to what I got at WF, which surprised me. Closing was somewhat eventful but we closed on time.
by KyleAAA
Thu Nov 29, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: What do bogleheads think of small cap value?
Replies: 37
Views: 3205

Re: What do bogleheads think of small cap value?

I tilt a lot more than 10%.
by KyleAAA
Thu Nov 29, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2356

Re: Guy's Western US Ski Trip - suggestions?

Breckenridge or Park City would probably check all your boxes. I really enjoyed Deer Valley last time I was out that way.
by KyleAAA
Wed Nov 28, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6552

Re: Restaurant Budget

When we were in our late 20's to early 30's my husband and I both worked on very young, social teams that did a lot of lunches out and drinks after work. It was fun but some months I am estimating we would easily spend $800/month on this put together. After age 35 I found myself on older teams that...
by KyleAAA
Wed Nov 28, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 16957

Re: Do you need to invest mostly in stocks to get rich?

Who cares about national crashes? Do you buy a national apartment building? No, you buy an apartment building on the corner of 5th and Main in Anytown, USA. If the market crashes in my area what do I care what prices in New York or San Diego are doing? I've lost a ton of money even if the national r...
by KyleAAA
Wed Nov 28, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6552

Re: Restaurant Budget

It's less than my wife and I have spent eating out the last few years. I'd estimate we've averaged $1200 or so per month. It's all about priorities.
by KyleAAA
Wed Nov 28, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 148
Views: 8471

Re: How did YOU choose your career?

Haphazard. In the late 90s I figured this computer thing was pretty big and would likely get bigger, so I majored in CS. Turned out pretty well. I generally enjoyed computers and the internet but it wasn't initially some deep passion of mine, I was just trying to be pragmatic.
by KyleAAA
Wed Nov 28, 2018 12:07 am
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 89
Views: 6856

Re: Does 100% stocks make sense for very high net worth individuals

It can, sure, but I suspect most UHNWI are more concerned with wealth preservation than maximizing return. If you have $100 million to invest it can also make sense to dabble in direct real estate and other less liquid alternatives, too. I'm not sure. In my experience, the guy with $100M is often d...
by KyleAAA
Tue Nov 27, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 89
Views: 6856

Re: Does 100% stocks make sense for very high net worth individuals

It can, sure, but I suspect most UHNWI are more concerned with wealth preservation than maximizing return. If you have $100 million to invest it can also make sense to dabble in direct real estate and other less liquid alternatives, too.
by KyleAAA
Tue Nov 27, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7387

Re: Employeer taking vacation days on public holidays - is this legal or normal?

This is bizarre. I've never heard of this before. I don't think the issue here is whether or not employers are required to provide paid holidays. Rather, the issue is selectively granting a paid holiday to some employees and not others based on arbitrary, unrelated criteria. If the policy applies t...
by KyleAAA
Tue Nov 27, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7387

Re: Employeer taking vacation days on public holidays - is this legal or normal?

This is bizarre. I've never heard of this before. I don't think the issue here is whether or not employers are required to provide paid holidays. Rather, the issue is selectively granting a paid holiday to some employees and not others based on arbitrary, unrelated criteria. IANAL but I think you mi...
by KyleAAA
Tue Nov 27, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 59
Views: 4985

Re: Why is the Honda Fit so hard to find?

The Honda Fit with leather is pretty nice for an economy car, and not too much extra. We're continually astounded by how much stuff we can actually fit in a Fit. If you are above 6' and not in the driver's seat, it can be slightly cramped. But overall, it's very good for what it is. And it can be su...
by KyleAAA
Mon Nov 26, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Worst investing year ever....
Replies: 73
Views: 11149

Re: Worst investing year ever....

Uncorrelated doesn't mean that one will go up if the other goes down, just that there is no relationship. It isn't unusual that both stocks and bonds would be down in the same year. Statistically, one would occasionally expect years similar to this when almost everything seems to move in the same d...
by KyleAAA
Mon Nov 26, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: Worst investing year ever....
Replies: 73
Views: 11149

Re: Worst investing year ever....

Uncorrelated doesn't mean that one will go up if the other goes down, just that there is no relationship. It isn't unusual that both stocks and bonds would be down in the same year. Statistically, one would occasionally expect years similar to this when almost everything seems to move in the same di...
by KyleAAA
Mon Nov 26, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: $724k in debt and I want to buy a home.
Replies: 54
Views: 6458

Re: $724k in debt and I want to buy a home.

Will you want something bigger in 5 years when you hit $500k+ in compensation? I think buying a $250k home now is reasonable if you will stay there and pay your other debt down aggressively when you hit your high earning years. At $500k it shouldn't take too long to pay down your non-mortgage debt. ...
by KyleAAA
Sat Nov 24, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating offer when you gave a number early in the interview
Replies: 23
Views: 2614

Re: Negotiating offer when you gave a number early in the interview

I will disagree with those sentiments. When it comes time, I'd say "I know I gave a ballpark figure early on, but that was before I learned full scope and responsibilities of the position. I'll be looking for a different pay scale." Agree, this is what I would do. No reasonable person would hold th...
by KyleAAA
Sat Nov 24, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating offer when you gave a number early in the interview
Replies: 23
Views: 2614

Re: Negotiating offer when you gave a number early in the interview

I will disagree with those sentiments. When it comes time, I'd say "I know I gave a ballpark figure early on, but that was before I learned full scope and responsibilities of the position. I'll be looking for a different pay scale." Agree, this is what I would do. No reasonable person would hold th...
by KyleAAA
Thu Nov 22, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: OptionSellers.com FAQ “Have I lost all the money in my account, then?” “Yes.” You also have a negative balance
Replies: 23
Views: 2648

Re: OptionSellers.com FAQ “Have I lost all the money in my account, then?” “Yes.” You also have a negative balance

This isn't an apology: Cordier explained that volatility in the oil and natural gas markets created “a rogue wave I was unable to navigate” and that “this rogue wave capsized our boat.” This is a classic example of a non-apology apology. A non-apology apology occurs when someone uses the word "sorr...
by KyleAAA
Thu Nov 22, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard fund closely resembles Pimco Income (PONAX)
Replies: 16
Views: 1470

Re: Which Vanguard fund closely resembles Pimco Income (PONAX)

There isn't one that is very similar, but of all the vanguard bond funds I suppose VCORX would probably be the closest.
by KyleAAA
Thu Nov 22, 2018 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Sell RSUs at 18 month low or wait
Replies: 37
Views: 2517

Re: Sell RSUs at 18 month low or wait

I always sell immediately even though my company’s stock has skyrocketed over the last few years and I’m always tempted to hold. In OP’s case, it isn’t at all clear FB will resume its march higher anytime soon. Fortunately, they are very generous with annual refreshers.
by KyleAAA
Wed Nov 21, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Developing Complete Plan for Windfall
Replies: 37
Views: 3015

Re: Developing Complete Plan for Windfall

3) I'll be talking to my accountant and the estate planners about this one. There are other qualitative factors to consider here though like access to extended family, etc. I think you are under-appreciating the flexibility that 100M would give you. A relatively humble condo in a zero-tax state, de...
by KyleAAA
Wed Nov 21, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Developing Complete Plan for Windfall
Replies: 37
Views: 3015

Re: Developing Complete Plan for Windfall

Small value has historically been more tax efficient than total market, so I wouldn’t let that dissuade you from tilting in a high tax bracket. A three fund portfolio is perfectly fine for a 9 figure portfolio. There is nothing about having more money that magically makes market timing more effectiv...
by KyleAAA
Mon Nov 19, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 3810

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

If you are making $150k, unless you are MMM would you buy a $200k condo? From my friend who lives in crystal city, 6 miles away might as well be a lifetime away especially for younger crowd, additionally he said they are throwing up high rises like their pants are on fire. No, but I'd rent a $200k ...
by KyleAAA
Mon Nov 19, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: 1-3 Year Investment Plan
Replies: 7
Views: 642

Re: 1-3 Year Investment Plan

I'd probably utilize a 1- or 2-year CD in this case.
by KyleAAA
Mon Nov 19, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 3810

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

New college grads at Amazon make around $150k in the engineering group, for example. And those are new grads, not experienced engineers. Really! That is news to me. The average software engineer according to glassdoor is 100k. That seems typical for most in Seattle and for other tech companies. Unl...
by KyleAAA
Mon Nov 19, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 3810

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

Use the news to dump it now. Before this news of the 2 new HQ2 locations, what was the latest big news for Amazon. Hint, it was that they were going to RAISE their minimum wage to $15 an hour. The vast majority of Amazon workers are only getting $15 an hour. I really don't expect that they're going...
by KyleAAA
Mon Nov 19, 2018 1:46 am
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 3810

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

It seems unlikely DC area real estate will appreciate like Seattle real estate did. Seattle real estate started from a much lower base and there was a MUCH larger influx of high paying jobs than what DC is likely to get out of this.
by KyleAAA
Sun Nov 18, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is my husband ready to quit tenured professorship to pursue side hustle?
Replies: 97
Views: 10376

Re: Is my husband ready to quit tenured professorship to pursue side hustle?

Life is too short to persist in a career you no longer enjoy. Do it.
by KyleAAA
Sun Nov 18, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 171
Views: 9629

Re: If riskier than US, why doesn't international outperform?

I do not believe there is justification for concluding international stocks are riskier, at least not developed market stocks. Emerging markets are a different story. But to answer your heretical question even though I reject the premise, sometimes risk shows up over even semi-long time periods.
by KyleAAA
Sat Nov 17, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a 2-family/rental property or REIT
Replies: 8
Views: 1036

Re: Buy a 2-family/rental property or REIT

They aren’t really comparable.
by KyleAAA
Sat Nov 17, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29185

Re: [Financial] Habits of the Rich

Your calculations are slight off. Assuming house is paid off, spending 200k per year in HCOLA requires daily expense of around 550. Unless one is stupidly throwing away money, it is difficult to spend that type of money each day. Well, we were talking about rich people, right? We live in the low en...
by KyleAAA
Sat Nov 17, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Comment from Bogleheads book about future market gains
Replies: 10
Views: 1306

Re: Comment from Bogleheads book about future market gains

You can take all such predictions with a grain of salt.
by KyleAAA
Fri Nov 16, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: The biggest / best web development technologies
Replies: 13
Views: 1027

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: 61
Views: 4123

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: 1027

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: 4575

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: 4575

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: 112
Views: 13591

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: 730

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: 222
Views: 29185

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: 5107

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: 4310

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: 1773

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: 4794

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: 4705

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: 7574

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...