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Re: Vanguard Ultra-Short-Term Bond Fund coming in early 2015

I don't understand the value of this fund at all. And I thought I was interest rate risk averse in my short term bond fund.

Kalo
by Kalo
Tue Nov 25, 2014 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund coming in early 2015.
Replies: 33
Views: 2898

Re: How to buy happiness (WSJ)

Well, I will try and sneak in my observation quick before this thread gets closed down for not conforming with the forum rules - No, Money cannot buy Happiness . However, it can buy a certain degree of contentment. This form of contentment principally being freedom from worry over having enough mon...
by Kalo
Sun Nov 16, 2014 1:33 am
 
Forum: Personal Consumer Issues
Topic: How to buy happiness (WSJ)
Replies: 31
Views: 3569

Re: Your car(s) are equal to how many months income

Both my income and my car's value are extremely variable. I did the calculation on my current situation and came up with 3.5. But I know my job is ending soon and am not sure I'll be making the same amount after that. Also, I recently bought a new car, which I have done about every 12 years on avera...
by Kalo
Sun Nov 16, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6006

Re: 30% In International Stocks?

I think a good reason to hold some international (I have about 30% of equities in TISM) is simply because of single country risk. No matter how many arguments one makes in favor of the US, it's still a single country. I'm even a citizen, and believe in our system, but things do happen to an individu...
by Kalo
Fri Nov 14, 2014 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 5707

Re: More money equates to feeling poor?

I do feel more aware of the risks of not having enough money for retirement since becoming a Boglehead, even though my financial position is at an all time high for me. However, there is a positive side to this. I am being more dedicated toward my efforts to earn money than I have been in years. I'v...
by Kalo
Thu Nov 13, 2014 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 34
Views: 2973

Re: Poll: What is your Bond Allocation %?

=MIN(0.4, 1-COS((YEAR(TODAY())-$BIRTHYEAR)*PI()/180),1-(LOG10(100-(YEAR(TODAY())-$BIRTHYEAR))-1)) I had to try this out as I was just curious about it. It gave me very nearly the allocation I have, 33.72% based on birth year 1960. It looks like it will max me out at 40% about the time I turn 61. Wh...
by Kalo
Sat Nov 08, 2014 12:23 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12117

Re: Are you buying I bonds in 2014? And if so, for what role

I bought the full 10k about a year ago for my first purchase ever. Am thinking of buying my second 10k near the end of the month, plus my tax refund early next year. Disappointing to think I will only get back the exact real value I am putting in and then have that amount reduced by taxes. Worse tha...
by Kalo
Fri Nov 07, 2014 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Are you buying I bonds in 2014? And if so, for what role?
Replies: 46
Views: 5455

Re: Comparing Total Returns of Top CD Offerings with an S&P

Comparing Total Returns of Top CD Offerings with an S&P 500 Index Fund Investment on depositaccounts.com is a great piece comparing S&P returns to CD returns over last ~8 years, seems that CDs with no risk have done well, this makes me feel reassured that I am doing a good thing investing 6...
by Kalo
Mon Nov 03, 2014 12:04 am
 
Forum: Investing - Theory, News & General
Topic: Comparing Total Returns of Top CD Offerings with an S&P 500
Replies: 38
Views: 2182

Re: New Tony Robbins Book on Financial Freedom

This Tony Robbins? from a google of his name http://www.nytimes.com/2012/08/05/opinion/sunday/the-positive-power-of-negative-thinking.html?_r=0 The New York Times‎ - Aug 2012 ... Calif., 21 people were treated for burns after walking barefoot over hot coals as part of an event called Unleash the Po...
by Kalo
Sun Nov 02, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 66
Views: 11379

Re: How do you wash your car?

I've read every previous post, and it's been very interesting. I think it really boils down to human nature. Some people are very fastidious about certain things. I can't recall a single post that was particularly convincing when trying to make the argument that the car's long term value or reliabil...
by Kalo
Sat Oct 25, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7083

Re: Has VMMXX been good to you?

I don't like it at all and I have a zero allocation to it. It's not FDIC. I'd rather have short-term government (with some high grade corporates - just what you'd find in the total short-term bond fund) bonds for safe investments, and for ready cash, anything secure (individual government bonds, FDI...
by Kalo
Tue Sep 02, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Has VMMXX been good to you?
Replies: 11
Views: 696

Re: [Poll] How I Feel When I Think about Investing, etc.

I'm kind of tired of thinking about it. I'd trade my portfolio for a SPIA now if I were older and trusted insurance companies a lot more. Investing is a necessary evil and I take no pleasure in it whatsoever. I'd much rather try some art (music or writing). Hopefully I will take the time to try that...
by Kalo
Fri Aug 15, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2470

Re: Best Short Joke

Did u hear about the guy who ran through his screen door? He strained himself.

A guy goes to his psychiatrist wearing nothing but cellophane underwear and the doctor said "I can clearly see yer nuts."

Thank u very much I'm here all week.

Kalo
by Kalo
Fri Aug 15, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Best Short Joke
Replies: 12
Views: 1083

Re: Where do you buy clothes?

I usually buy work clothes (business casual) from Kohl's. Sometimes ordering online (you can return to the physical location). I like Xersion compression shorts for walking, which I order online from JC Penney and pick up at the store to save shipping cost. Underwear and socks I buy from Walmart. I ...
by Kalo
Sun Aug 10, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9828

Re: Clean investing in a single stock

Jim Rogers said that diversification is how you protect wealth, concentration is how you create it. He should have added "or destroy" to "create" in my opinion. I presume he didn't think it needed to be said. I am guessing he would also say that Tesla is a very risky idea. Buying...
by Kalo
Sun Aug 03, 2014 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 28
Views: 3159

Re: Vanguard quietly adds longevity annuities

Hope I'm not hijacking the thread, but this has made me think of something. I've read threads that discuss lowering stock allocation at retirement and then increasing it during retirement. Has anyone ever analyzed taking more annuity than one needs for expenses, and investing (dollar cost average) t...
by Kalo
Sun Jul 27, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 85
Views: 7258

Re: Vanguard eliminates transaction fees on Int'l small cap

Your link doesn't work, and you were beaten by two minutes (it's tough around here). http://www.bogleheads.org/forum/viewtopic.php?f=10&t=143625 (and the link works there. I could fix yours, but since the other works, I won't bother) Yours actually was the very next thread. You are t=143626, th...
by Kalo
Sun Jul 27, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5318

Re: Vanguard sued for charging too little

$1.5 billion is probably not an outsized contingency fund when compared to Vanguard's operating expenses, though I'm sure that assertion will be debated vigorously by the attorneys. Whether it is an outsized contingency fund may be beside the point. Are Vanguard's for-profit competitors allowed to ...
by Kalo
Sun Jul 27, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 197
Views: 26839

Re: Vanguard sued for charging too little

This reminds me of a quote about anti-trust law: if you're charging above market, it means you're a monopoly; if you're charging below market, it means you're trying to become a monopoly; and if you're charging market, it means you're colluding! But is trying to become a monopoly illegal? As long a...
by Kalo
Sun Jul 27, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 197
Views: 26839

Re: POLL: My home is worth less/more in 2014 than in 2007?

I voted 20% less or lower. At the height of the bubble it was worth around 140ish or at least high 130's. Now worth 106 conservatively. I'm not looking at actual records of what it was worth in '07 but I'm sure I'm close enough. I bought my town home in 1996 for 71.5K. Two years prior to that I coul...
by Kalo
Sun Jul 27, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6170

Re: Vanguard quietly adds longevity annuities

I wouldn't hold out much hope of inflation indexed annuities that index the initial payout. As nisiprius pointed out, 20 years is a loooong time from the point of view of inflation. How much would you want me to pay you today for an inflation indexed $1000 in 20 years? How good are insurance compan...
by Kalo
Sun Jul 27, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 85
Views: 7258

Re: Bloomberg rates Large Company 401k plans

My thoughts on looking at companies and judging them based on their 401K plans as a prospective employee are: It's not so easy to get a job with the company you wish to work for when it's not so easy to get a job with any company at all. It is easy for a firm to compete for an employee they want to ...
by Kalo
Tue Jul 22, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 22
Views: 2445

Re: Is a "split-personality" approach Boglehead-compatible?

Thanks to those who gave additional info re RMD's. I was not aware of the current employer exception.

Kalo
by Kalo
Mon Jul 21, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 20
Views: 1965

Re: Joel Greenblatt's "magic formula"

Thanks to SpaceCommander and nisiprius for the additional info and comments. That's helpful to me.

Kalo
by Kalo
Mon Jul 21, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5464

Re: Joel Greenblatt's "magic formula"

I think it is a mistake to treat Greenblatt's book in this manner. This is not all that different than the profitability factor that is getting so much attention. I guess the provocative title makes Greenblatt an easy target. This all may be simple, but not all that different than tilting to small ...
by Kalo
Mon Jul 21, 2014 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5464

Re: Joel Greenblatt's "magic formula"

(the web site to utilize per book, so far free) had funny piece on it in the March 07 Personal Finance edition, pg. 10. The editor basically relayed the correspondence of a reader who followed the web site and its numerous choices. The reader's actual results turned out to be quite poor esp. compar...
by Kalo
Mon Jul 21, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5464

Re: Help with Title/Author of Science Fiction Novel

... Chandler was an unexpected delight. The classics everyone told you to read turn out to be ... classics . I have not yet managed to crack Dashiell Hammett. ... I agree with you. I read a lot of Raymond Chandler and Dashiell Hammet as a young man. I thought they were both great and read more like...
by Kalo
Mon Jul 21, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 2166

Re: Help with Title/Author of Science Fiction Novel

VictoriaF wrote:I thought that you wrote a novel and are crowdsourcing its titling.

Victoria


I was thinking of writing a title and crowdsourcing the text of the novel, which seems more efficient, but I could not even come up with a title.

Kalo
by Kalo
Mon Jul 21, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 2166

Re: Kipinger's editor on magicformulainvesting.com

(the web site to utilize per book, so far free) had funny piece on it in the March 07 Personal Finance edition, pg. 10. The editor basically relayed the correspondence of a reader who followed the web site and its numerous choices. The reader's actual results turned out to be quite poor esp. compar...
by Kalo
Mon Jul 21, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5464

Re: Is a "split-personality" approach Boglehead-compatible?

Did you write no RMD if you keep working? I don't know for sure or maybe I mis-read but that does not sound right to me. I think RMD kicks in at 70.5 regardless.

Kalo
by Kalo
Mon Jul 21, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 20
Views: 1965

Re: What Do You Tilt to Outside of the Three Fund (at least

I voted dividend tilt and I bond tilt. Div is VIG 5.5% of portfolio. I bond 2.2%. Plan to max out I bind contributions for next ten years or more.

Kalo
by Kalo
Thu Jul 17, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1447

Re: POLL: Walmart vs Amazon

I like walmart fine. Good prices. You have to be prepared to wait in line if you go at busy times and not many associates to help you. Price is right though. Aldi's I don't like. Nothing there that I want to buy usually. I rarely buy anything online. Not sure why. Have never understood the walmart b...
by Kalo
Tue Jul 15, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8871

Re: [Poll] Are you more risk averse than average?

I voted more risk tolerant. The reason I'm not 100% stocks is not only about risk aversion though. It's also about being a prudent investor. I might not be able to explain the difference but I'll try. It's not that I think I would sell down in a bear market. Or even that I might not live to recoup m...
by Kalo
Sun Jul 13, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2874

Re: Your net worth/investments when you started saving less

My tendency has been to work less rather than spend more. I presume that will continue, to the point of early retirement if and when I get there. However, there's nothing I want that money can buy, other than the things I buy on a regular basis. I do need to replace my car soon and I will have no di...
by Kalo
Sun Jul 13, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your net worth/investments when you started saving less
Replies: 17
Views: 2520

Re: Does anyone expect tilts to *under*perform?

Do you mean under-perform on a risk-adjusted basis?

Kalo
by Kalo
Sat Jul 12, 2014 11:51 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone expect tilts to *under*perform?
Replies: 84
Views: 5724

Re: Want to Save Money? Be Polite!

You obviously don't live in NJ. We're not trusted to pump our own gas. Oregon's the same way. No I don't live in NJ or OR. Here in Texas, full-service gas stations no longer exist. I'm not sure that what we have are "full-service," but you're not supposed to pump your own gas. There are, ...
by Kalo
Fri Jun 27, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6895

Re: Bluebird

I presumed this was going to be about the Paul McCartney & Wings song from Band on the Run album.

Kalo
by Kalo
Thu Jun 19, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Bluebird
Replies: 14
Views: 1739

Re: Geico? No, thank you...

I've carried all my insurance with Met Life for years. Had collision/comprehensive until my car got too old. Have never been able to beat their rates. Have shopped around several times, including getting quotes from GEICO. This seems strange to me as I don't think of Met Life as a low-cost provider,...
by Kalo
Sat Jun 14, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 5660

Re: What Do You Eat For Snacks?

For during the ride check out GU energy gel. It's for replenishment while running or biking.

Kalo
by Kalo
Fri Jun 13, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9201

Re: Are I Bonds A Good Idea?

They are such a great investment (in my opinion) that the government put a limit on how much you can invest in them annually. Using tax return allows you to go beyond this limit, which is great. I plan to use my future tax returns to buy I Bonds as well as max out the 10k of direct purchases.

Kalo
by Kalo
Fri Jun 13, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are I Bonds A Good Idea?
Replies: 11
Views: 1753

Re: I need a Bogleheads reminder

I've never regretted buying only enough house for my needs, but I'm single so no other family members to consider. Also I don't love working. If you are in your dream career and expect to work straight through to retirement and your peeps want the nice place, I say go for it. Might think about ease ...
by Kalo
Fri Jun 13, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need a Bogleheads reminder [New home - how much to spend?]
Replies: 44
Views: 2841

Re: If chasing market performance is bad...

Maybe one has to prove this to oneself to really see and believe it. Timing is everything. You can try it with a small stash and see how you do. Costs will add up fast if you are too early and trade in and out a lot. It sounds fun. But to me it does not seem like it would be profitable after taxes a...
by Kalo
Thu Jun 12, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 5067

Re: Technical Analysis Drags Down Performance

Enron's charts may have looked very strong right up to the moment that the news started to break about its cooked books. Kalo IMO, technical analysis is not for "predicting" where a stock price will go. While I agree that technical analysis can't predict stock prices with a statistically ...
by Kalo
Mon Jun 02, 2014 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: Technical Analysis Drags Down Performance
Replies: 52
Views: 2500

Re: Technical Analysis Drags Down Performance

Jesse Livermore was a technical trader. He often went bust during his career. He did also strike it rich on multiple occasions. But he eventually lost the bulk of his fortune. I'd say if he struggled with it and even made bad moves with it, I wouldn't stand a chance. Also, when I read technical anal...
by Kalo
Mon Jun 02, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: Technical Analysis Drags Down Performance
Replies: 52
Views: 2500

Re: does frugality result in lower career ambition?

My frugality is driven by the fact that I do not love working. I want to retire early or semi-retire as soon as possible and therefore spend less/save more to reach that goal. Also I derive a feeling of security that is worth more to me from having funds available than I would gain pleasure from spe...
by Kalo
Mon Jun 02, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8813

Re: Total Bond Index Fund and Retirement

Have you considered a single premium income annuity or annuities for a portion of your portfolio?

Kalo
by Kalo
Sun Jun 01, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 2028

Re: Fidelity vs. Vanguard

I have all my retirement money at Vanguard. It's partly that I admire Jack Bogle and the company he started. The other reason is that in the back of my mind, there's something about doing business with firms that are providing their customers with clearly inferior products, even if they also have su...
by Kalo
Sun May 25, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 8600

Re: We won best paper from S&P SPIVA worldwide!

Nice going on the paper and the prize. Cool use of the proceeds too. That sounds like a very worthy cause.

Kalo
by Kalo
Thu May 22, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: We won best paper from S&P SPIVA worldwide!
Replies: 39
Views: 3459

Re: Are international investments irrelevant?

When I first invested in International it felt strange and scary. Now that I have been invested internationally for about a year or so, I think it would feel strange to not have an allocation to international. Currently the yield is better than on US. And there really can be a diversification benefi...
by Kalo
Wed May 21, 2014 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are international investments irrelevant?
Replies: 12
Views: 1042

Re: Happy Birthday John C Bogle

Happy Bithday, Mr. Bogle. Investors everywhere owe you a debt of gratitude!

Kalo
by Kalo
Thu May 08, 2014 3:21 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday John C. Bogle !
Replies: 37
Views: 2009
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