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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
Wed Jul 23, 2014 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 15
Views: 1699

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 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 19
Views: 1546

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 10:39 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5287

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 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5287

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 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5287

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 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 1882

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 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 1882

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 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5287

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 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 19
Views: 1546

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 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1384

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 6:47 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8023

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
Mon Jul 14, 2014 12:10 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2600

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 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your net worth/investments when you started saving less
Replies: 17
Views: 2364

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

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

Kalo
by Kalo
Sun Jul 13, 2014 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Does anyone expect tilts to *under*perform?
Replies: 84
Views: 5283

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
Sat Jun 28, 2014 12:29 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6679

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 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Bluebird
Replies: 14
Views: 1646

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 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 5060

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 2:34 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6217

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 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are I Bonds A Good Idea?
Replies: 11
Views: 1711

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 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need a Bogleheads reminder [New home - how much to spend?]
Replies: 44
Views: 2750

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 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 4715

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
Tue Jun 03, 2014 12:36 am
 
Forum: Investing - Theory, News & General
Topic: Technical Analysis Drags Down Performance
Replies: 52
Views: 2402

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 10:39 pm
 
Forum: Investing - Theory, News & General
Topic: Technical Analysis Drags Down Performance
Replies: 52
Views: 2402

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 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8332

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 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 1993

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 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 7925

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 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: We won best paper from S&P SPIVA worldwide!
Replies: 39
Views: 3035

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 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are international investments irrelevant?
Replies: 12
Views: 1023

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 4:21 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday John C. Bogle !
Replies: 37
Views: 1810

Re: Golfers vs Investors

I've noticed a lot of amatures put a lot of emphasis on long drives even tho a short drive in the fairway is far superior to a long drive in the rough or worse the trees. Could be an analogy for taking big bets on high risk investments instead of slowly accruing real wealth via safe, steady investme...
by Kalo
Thu May 08, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Golfers vs Investors
Replies: 18
Views: 1699

Re: "Warren Buffett: Small investors have one big advantage"

If small investors do have an advantage over large investors, it is usually considered to be that they can load up on a small company stock without influencing the price at which it trades. In the words of Jim Rogers, diversification is for preserving wealth, concentration is for building it. Or los...
by Kalo
Sun May 04, 2014 12:24 am
 
Forum: Investing - Theory, News & General
Topic: "Warren Buffett: Small investors have one big advantage"
Replies: 12
Views: 3145

Re: Are I Bonds a part of your portfolio?

Bought 10k last Nov at the .2 fixed. Will now wait until next Nov to buy 10k. Emergency fund slash liability matching is purpose. Bogleheads has taught me conservative and diversification philosophies.

Kalo
by Kalo
Thu May 01, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are I Bonds a part of your portfolio?
Replies: 53
Views: 4050

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

My account showed a note that VTSAX (TSM Admiral) went from .06% to .05%. I thought it was already .05%. It also showed thew change in VSIAX from .10% to .12% Their most recent article on 4/28/14 shows otherwise: https://personal.vanguard.com/us/insights/article/expense-ratio-changes-042014 I got t...
by Kalo
Mon Apr 28, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 7319

Re: Has anyone bought a smart TV rcently?

I bought a Samsung smart tv within the last year. The TV works fine. The smart part sucks in my opinion for the following reasons: 1) Slow to boot and will interrupt you to tell you that it's finished updating itself and ask you if you want to switch to smart tv while you're watching a regular show....
by Kalo
Mon Apr 28, 2014 12:41 am
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7787

Re: If a corp is correctly valued, are stock options worth a

To learn about traded options you can check out http://www.cmegroup.com/company/cbot.html. I think cme bought cbot a while back. Note also that there is a difference between employee stock options and listed options. Investopedia has an article titled Employee Stock Options: Comparison to Listed Opt...
by Kalo
Fri Apr 25, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: If a corp is correctly valued, are stock options worth any?
Replies: 17
Views: 1193

Re: "Why do investors make bad choices?"

I wonder if there is a setting on vanguard's web site where you could block out the dollars in your portfolio and only display the shares and the AA in %'s. This would allow one to confirm the most important values while only looking at the dollar balances once per year or even less frequently if de...
by Kalo
Thu Apr 10, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Why do investors make bad choices?"
Replies: 23
Views: 4803

Re: Seriously! [Why own bonds now]

Ken Carbaugh wrote:
LH wrote:
Kalo wrote:To be diversified, you basically have to have something that sucks, at any given time.


Best quote I've heard in awhile.


It was actually LH's qoute.

Kalo
by Kalo
Thu Mar 20, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seriously! [Why own bonds now]
Replies: 35
Views: 5251

Re: Seriously! [Why own bonds now]

I would pick an AA for each of your goals and stick with it through thick and thin. Unless you've realized you were wrong for some reason, there's no need to change based on current conditions. For bonds, you can figure your return by taking the SEC yield times the duration and that is what you'll g...
by Kalo
Thu Mar 20, 2014 12:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Seriously! [Why own bonds now]
Replies: 35
Views: 5251

Re: The Intelligent Investor

The book that I quote in my signature also is based on this concept. I did not make it all the way through reading it yet but still plan to. Not sure how much I'll ever implement it but it's an interesting read.
by Kalo
Wed Mar 19, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: The Intelligent Investor
Replies: 27
Views: 3681

Re: Let's Go To Lunch

... kidney stones, Milk of Magnesia, etc. :shock: Ouch. I can live the rest of my life without ever discussing those. I agree with Victoria about Bill Bernstein, just based on reading his books. Would really like to have met Kurt Vonnegut (did see him speak at a university once at least, which was ...
by Kalo
Tue Jan 21, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Let's Go To Lunch
Replies: 43
Views: 2886

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2036.12 is my guess. Based it on a 10.101582% increase. I obtained this crudely by figuring out what percentage rate would be required to get the future value result to equal the 2013 value starting with a present value of the 1951 adjusted close from Yahoo data. So if my method is not flawed (I hav...
by Kalo
Wed Jan 01, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 12198

Re: What Was Your Best Portfolio move in 2013

I am pretty sure it was just this year that I became a Boglehead. I gradually moved my portfolio from 100% domestic (US) stocks to: 52% Domestic (US) stock 20% International stock 28% Short Term bond Bulk of portfolio has been at Vanguard for years and still is, but it was a big AA move as I learned...
by Kalo
Fri Dec 27, 2013 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7573

Re: What size portfolio are you managing Bogle style?

I remember listening to an interview with Greg Allman and Dickey Betts and one of them said something to the effect that in order to have a million dollars, you have to make a million dollars twice, because you spend the first million. I'm thinking they were not Bogleheads at the time, and probably ...
by Kalo
Fri Dec 27, 2013 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What size portfolio are you managing Bogle style?
Replies: 48
Views: 4089

Re: Save those $1 Bills

This year I started paying cash for small purchases (less than 2 or 3 dollars) and since I don't have a bricks and mortar bank, the change started building up. Eventually I had a friend take it to her bank and get me bills. Since then I've been attempting to spend the change instead of letting it bu...
by Kalo
Fri Dec 27, 2013 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save those $1 Bills
Replies: 22
Views: 3888

Re: Poll: "Bonds are for safety (True or False)".

I think that a portfolio takes on a characteristic that is different than its component parts. I would not be happy holding only bonds, but I'm quite comfortable holding them as part of my portfolio. Same for stocks and cash. So I don't really care that much about the attributes of bonds, except ina...
by Kalo
Thu Dec 26, 2013 1:14 am
 
Forum: Investing - Theory, News & General
Topic: Poll: "Bonds are for safety (True or False)".
Replies: 63
Views: 4062

Re: Financial 'Regrets' for 2013

Since I have become a BH convert, I have fewer financial regrets than ever. Now I understand that diversification will prevent me from doing as well as I might have, while still being the best path in the long run. And I have less anxiety toward my finances than ever before. Thanks, Bogleheads! :) K...
by Kalo
Sun Dec 22, 2013 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial 'Regrets' for 2013
Replies: 60
Views: 4725

Re: Using cash

Cash is dirty and it smells bad. It's even sticky sometimes. I give the merchant a crisp bill and I get back ratty rags. I joined a church just to have some place to donate my coins (nobody else would take them), and I'm not even very religious (I found one that passes the plate early so I don't hav...
by Kalo
Sat Dec 21, 2013 2:26 am
 
Forum: Personal Consumer Issues
Topic: Using cash
Replies: 56
Views: 2854

Re: If Warren Buffett Just Indexed, It would consist of...?

baw703916 wrote:If raccoons could fly, would they fly south in the winter?


Doesn't really makes sense to fly south in the summer.

Kalo
by Kalo
Sat Dec 21, 2013 2:04 am
 
Forum: Investing - Theory, News & General
Topic: If Warren Buffett Just Indexed, It would consist of...?
Replies: 25
Views: 2187

Re: buy/hold vs. buy/hold/rebalance

While I can understand the risk aspect, and I'm sure that it has been discussed extensively in the past, would someone be kind enough to provide John C. Bogle's take on rebalanciing? http://www.morningstar.com/cover/videocenter.aspx?id=615379 I am in a small minority on the idea of rebalancing. I d...
by Kalo
Sun Dec 08, 2013 1:38 am
 
Forum: Investing - Theory, News & General
Topic: buy/hold vs. buy/hold/rebalance
Replies: 64
Views: 3642

Re: Did gaining knowledge alter your risk tolerance?

I don't think gaining knowledge has altered my risk tolerance, but it has altered my AA. Once I realized that risk adjusted returns were more relevant than absolute returns, I was able to tolerate holding a portion of my portfolio in a class (bonds) that has had historically lower absolute returns t...
by Kalo
Sun Dec 01, 2013 1:39 am
 
Forum: Investing - Theory, News & General
Topic: Did gaining knowledge alter your risk tolerance?
Replies: 79
Views: 3299
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