Search found 7111 matches

by KyleAAA
Sun Jun 30, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 5956

Re: Relocate to Seattle or NYC

Sure like I said, if you have a very narrow interest and skill set go to NYC. 99.9% of engineers at financial firms don’t care about finance, the infustry just happens to hire a bunch of them. If you REALLY want to work in finance and only finance, go to NYC. Otherwise you are much better off in Se...
by KyleAAA
Sun Jun 30, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 5956

Re: Relocate to Seattle or NYC

3. This too. Even though Seattle has a lot of high paying jobs, no place in the US can compare w/ NY on that score. Especially anything to do with banking. If you dream of possibly working up to a seven figure job in bank/financial IT, then NY is your place. If you expect to have and be permanently...
by KyleAAA
Sun Jun 30, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 5956

Re: Relocate to Seattle or NYC

3. This too. Even though Seattle has a lot of high paying jobs, no place in the US can compare w/ NY on that score. Especially anything to do with banking. If you dream of possibly working up to a seven figure job in bank/financial IT, then NY is your place. If you expect to have and be permanently...
by KyleAAA
Sun Jun 30, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 5956

Re: Relocate to Seattle or NYC

3. This too. Even though Seattle has a lot of high paying jobs, no place in the US can compare w/ NY on that score. Especially anything to do with banking. If you dream of possibly working up to a seven figure job in bank/financial IT, then NY is your place. If you expect to have and be permanently...
by KyleAAA
Sun Jun 30, 2019 11:33 am
Forum: Personal Investments
Topic: What are the benefits of holding short or intermediate term treasury index funds right now?
Replies: 9
Views: 1220

Re: What are the benefits of holding short or intermediate term treasury index funds right now?

If rates go down you’ll make a lot more with a longer duration. That’s what the market thinks will happen.
by KyleAAA
Sun Jun 30, 2019 12:21 am
Forum: Investing - Theory, News & General
Topic: Is anyone else worried about tech becoming too big/overvalued?
Replies: 54
Views: 4207

Re: Is anyone else worried about tech becoming too big/overvalued?

bhsince87 wrote:
Sat Jun 29, 2019 10:27 pm
Nope.

But I also still can't figure out why Netflix is considered "tech".
Streaming at that scale is an impressive engineering feat. They certainly pay much more for engineering talent than the other FANG companies.
by KyleAAA
Sun Jun 30, 2019 12:17 am
Forum: Investing - Theory, News & General
Topic: Is anyone else worried about tech becoming too big/overvalued?
Replies: 54
Views: 4207

Re: Is anyone else worried about tech becoming too big/overvalued?

AMZN has a high PE sure, but MSFT and GOOG are only In the 20s. Doesn’t seem unreasonable to me and nothing like the 90s.
by KyleAAA
Sat Jun 29, 2019 5:09 pm
Forum: Investing - Theory, News & General
Topic: Simplicity (Three Fund) vs. Return (Slightly more complex):
Replies: 45
Views: 3133

Re: Simplicity (Three Fund) vs. Return (Slightly more complex):

In 2019, 6 funds is not measurably more complex than 3 funds. They are both trivial to maintain.
by KyleAAA
Sat Jun 29, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 5956

Re: Relocate to Seattle or NYC

Just re-read your post, and NJ is definitely cheaper than looking at NYC, even Queens. What makes this especially hard is that NYC is either magical or it's not. It really just depends on what you two like. I just wish the salary was a bit more for a 3-person family. (Again, not that there aren''t ...
by KyleAAA
Sat Jun 29, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 5956

Re: Relocate to Seattle or NYC

Seattle has gotten a lot more expensive lately, but still not near NYC level, plus no state income tax. If you are in technology, Seattle is a better place to be in general. You’d make a LOT more money in a tech company as opposed to an insurance company, so already being here would be a good spring...
by KyleAAA
Fri Jun 28, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords - assessing amount security deposit to return?
Replies: 50
Views: 3416

Re: Landlords - assessing amount security deposit to return?

Laws differ by state and municipalities, so you should consult a lawyer. But in general, it is never okay to withhold a part of a security deposit for freshening up or normal wear & tear. It is illegal to do so in many places.
by KyleAAA
Thu Jun 27, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Website design help
Replies: 22
Views: 1165

Re: Domains

How does one show ownership of a website (a website name)? I have a website domain name that I pay yahoo annually for. Do owners get a domain name certificate or something? 1. website name - domain or domain name. For example: ibm.com 2. No certificate. 3. Go to https://whois.icann.org/en and enter...
by KyleAAA
Thu Jun 27, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Website design help
Replies: 22
Views: 1165

Re: Website design help

Would one of the out-of-the-box experiences from Squarespace or Wix not work? Then you don't have to worry about hosting or any of the tech stuff. And it will likely be FAR cheaper than paying a freelancer to build it in the long term.
by KyleAAA
Wed Jun 26, 2019 5:00 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 8144

Re: Dave Ramsey says to give up employer 401K match to pay down debt

Mathematically, probably out. Realistically, maybe, if the debt really stresses you out. It's not worth having slightly more money if you are under constant pressure.
by KyleAAA
Wed Jun 26, 2019 2:08 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks .. talk me out of it
Replies: 31
Views: 1984

Re: Individual Stocks .. talk me out of it

They give you a better return if you pick the right ones and a worse return if you don't. The trick is figuring that out ahead of time. Good luck.
by KyleAAA
Wed Jun 26, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49221

Re: Why are you NOT buying rental properties?

There seems to be a perception by some people here that owning rental properties is equivalent to having a second job. I own and self manage several rental properties (single family houses) and that has not been my experience. Yes, it does take more time to manage these properties than managing a p...
by KyleAAA
Tue Jun 25, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: British Columbia summer vacation
Replies: 16
Views: 1095

Re: British Columbia summer vacation

Victoria, Vancouver, and Banff are all highly recommended. Plenty of day trips from Vancouver if you want to use that as a base. Banff is quite a trek but well worth it if you have at least 4 or 5 days to spend.
by KyleAAA
Mon Jun 24, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 20
Views: 1912

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: 44
Views: 5620

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: 68
Views: 6247

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: 555
Views: 49221

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: 555
Views: 49221

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: 3201

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: 3013

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: 3013

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: 3013

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: 3013

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: 8869

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: 3013

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: 3013

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: 9151

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: 6307

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: 9151

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: 3465

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: 1696

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: 3449

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: 6414

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: 6070

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: 763

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: 1192

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: 5756

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: 1192

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: 1843

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: 2162

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: 2086

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: 2162

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: 6044

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: 4949

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: 14673

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: 6574

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...