Search found 321 matches

by Kalo
Sun Jun 07, 2015 8:26 pm
Forum: Investing - Theory, News & General
Topic: What is the opposite of longevity risk?
Replies: 30
Views: 1990

Re: What is the opposite of longevity risk?

"In the absence of clarity, diversification is the only logical strategy" - Larry Swedroe. So in this case, one would diversify between extreme saving and extreme spending, and instead just spend some and save some. I think part of this depends on the individual and how one feels about the...
by Kalo
Sat May 30, 2015 10:33 pm
Forum: Investing - Theory, News & General
Topic: Clements blog-dividend stocks for retirement income
Replies: 58
Views: 5326

Re: Clements blog-dividend stocks for retirement income

I see two parts to this discussion: dividend stocks Vs other stocks, and dividend stocks Vs bonds. I don't think dividend stocks are anything like bonds and I would never mix the two together for determining AA. As compared to other stocks, my problem with a concentration in dividend stocks is that ...
by Kalo
Sun Mar 08, 2015 10:04 pm
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3486

Re: Home workouts and motivation

For weights, I have dumb bells and a bench in my den. You can do quite a few exercises with that, and it takes up very little space. For lower body, I just rely on walking. My knees can't take weight machines anyway. I also have an exercise bike which I should ride more but I don't seem to do it. Go...
by Kalo
Sun Mar 08, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: Retirement Withdrawals
Replies: 16
Views: 2199

Re: Retirement Withdrawals

Since you mentioned not needing to leave a legacy, you may also want to look into funding a portion of your retirement with Single Premium Income Annuities.

Kalo
by Kalo
Sat Mar 07, 2015 6:07 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 7033

Re: interest rate increase looming. what you gonna do ?

My current Bond AA is: GIC (through 401-K): 17% of bond portion VBIRX (Vanguard Short-Term Bond: 70.5% of bond portion I Bonds: 12.5% of bond portion My bonds are 32.9% of total portfolio. I would like to move my VBIRX to a fund with a longer duration, but I've been waiting on interest rates to rise...
by Kalo
Tue Mar 03, 2015 2:02 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 6221

Re: Taylor Larimore Honored

Congratulations, Taylor!

Kalo
by Kalo
Mon Mar 02, 2015 1:53 am
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 6047

Re: How do I learn to like sushi?

I have not read the entire thread, just the OP. Sushi is really rice, usually wrapped in seaweed I believe. It can contain raw fish, eggs, or vegetables. My problem with it is that I'm afraid of raw fish. It can potentially be poisonous. This may be a rare effect but that doesn't comfort me. I have ...
by Kalo
Sun Mar 01, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: Recovering Your Investment after a Loss
Replies: 12
Views: 1506

Re: Recovering Your Investment after a Loss

I agree that it is good to understand this concept of how long it takes to get back to where you were prior to the loss. Not because the numbers will really play out the way they are calculated, but rather because it helps people understand how long it can take to recover from an extreme loss. Hopef...
by Kalo
Thu Feb 26, 2015 6:19 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 235
Views: 26643

Re: Vanguard Strikes Back With Lower Target-Date Fees

I would like to know how they came up with the new percentages. Since these are not total world market percentages, presumably they went through an analysis to get to the new percentages. I do see that if you look at the box in figure 3 shown in the paper at https://institutional.vanguard.com/iwe/pd...
by Kalo
Thu Feb 26, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 4246

Re: Beepi - a new way to buy a used car?

I actually had a pretty good experience buying new from a dealership within the last 6 months. I was somewhat surprised. I might not have got the best price, and they did initially try to tell me that I would never beat the current offer they were making, and then called me back later with a better ...
by Kalo
Tue Feb 17, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 5326

Re: Recommend a movie for a lonely Boglehead on Valentine's

The Holiday is a nice romantic movie. It's more of a Christmas/New Years film, but I could watch it any time of year.

I also recommend Napoleon Dynamite. People either love it or hate it, but it's full of romance and eccentric characters.

Kalo
by Kalo
Tue Feb 17, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ironic Downside to Retirement Planning
Replies: 17
Views: 3070

Re: Ironic Downside to Retirement Planning

Try changing the question from "when can I finally retire?" to "what do I want to do with the rest of my life, and how can I accomplish that?" This might change the perspective from a discreet moment when retirement begins, to a span of time over which the rest of your life is go...
by Kalo
Sat Jan 24, 2015 7:58 pm
Forum: Investing - Theory, News & General
Topic: Do you have an EF & Taxable Account?
Replies: 20
Views: 1631

Re: Do you have an EF & Taxable Account?

I wouldn't put my emergency fund in anything but FDIC or treasuries. Mine is split between FDIC savings and I Bonds. I've read about using one's Roth IRA for an emergency fund, but I consider my Roth IRA to be a primary segment of my retirement plan, and therefore do not want to cash any of it out e...
by Kalo
Thu Jan 01, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 26153

Re: What do you drive, and why?

Bought a new 2014 Honda CR-V AWD EX about four months ago. Love it. Have never had a vehicle where I sat up high and it's a real pleasure to drive. No longer feel so intimidated when being tail-gated (drove a small sedan before). Hardly even notice if anyone is behind me. I choose my speed in the sl...
by Kalo
Wed Dec 10, 2014 12:01 am
Forum: Investing - Theory, News & General
Topic: Taylor--thank you!!
Replies: 9
Views: 1186

Re: Taylor--thank you!!

I agree. Thanks Taylor. And thanks to all our brave soldiers. And thanks to all the helpful and instructive Bogleheads.

:beer

Kalo
by Kalo
Sun Dec 07, 2014 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: TASR....opinions
Replies: 7
Views: 595

Re: TASR....opinions

Alan S. wrote:Probably the same chart as the company manufacturing the cameras that police personnel in the field will be wearing.


I hadn't considered that, but that makes sense.

Kalo
by Kalo
Sun Dec 07, 2014 9:53 pm
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 25
Views: 3064

Re: TSM vs S&P500

This thread made me think about another thread I read earlier today: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=152332&newpost=2283536 If the idea in this other thread is true, that a relatively few golden swans drive the returns of an index, then how is it that the S&P 500 an...
by Kalo
Sun Dec 07, 2014 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: TASR....opinions
Replies: 7
Views: 595

Re: TASR....opinions

Looks like it broke out of a tea cup with handle pattern about Oct 23 2014. You're way late to it now. It's a rocket. You could ride it up some on the greater fool theory as long as you get out before a correction or swoon, but you could just as easily get in right at a top. I don't know anything ab...
by Kalo
Sat Nov 29, 2014 10:43 pm
Forum: Investing - Theory, News & General
Topic: I'm getting Slaughtered in stocks
Replies: 43
Views: 6266

Re: I'm getting Slaughtered in stocks

This might be a little off topic, but it's such a funny memory to me I want to share it. On an episode of Louis Rukeyser's Wall Street Week, one of his guests said "for a reasonably wealthy person, such and such is a good place to invest." Rukeyser replied, what if one is not reasonably we...
by Kalo
Fri Nov 28, 2014 12:22 am
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 4366

Re: POLL: Attitude Towards Risk

I chose A and D. I also assumed this was a one-time event and not repeatable. A is an easy choice in that instance. The hard part to defend is choosing D. My idea was that it's worth risking the extra $250 loss for the chance to lose nothing, even though I understand that C and D are equivalent in t...
by Kalo
Thu Nov 27, 2014 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Recommendations for online bank?
Replies: 25
Views: 3704

Re: Recommendations for online bank?

I have been with CapitalOne360 (formerly INGDirect) since 2005 and it has been great. Very easy to use, great features, you can link multiple accounts to your checking account for transfers, etc. The rate being paid on savings right now is .75%. I've been using CapitalOne360 (formerly INGDirect) fo...
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: 39
Views: 5083

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
Sun Nov 16, 2014 1:33 am
Forum: Personal Consumer Issues
Topic: How to buy happiness (WSJ)
Replies: 31
Views: 3861

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 1:04 am
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 7138

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
Fri Nov 14, 2014 12:15 am
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 7544

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
Thu Nov 13, 2014 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 50
Views: 6628

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
Sat Nov 08, 2014 12:23 am
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12714

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
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: 5754

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
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: 2491

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
Sun Nov 02, 2014 11:47 pm
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 90
Views: 24472

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
Sat Oct 25, 2014 12:19 am
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 9041

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
Tue Sep 02, 2014 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Has VMMXX been good to you?
Replies: 11
Views: 752

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
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: 2588

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 1:34 pm
Forum: Personal Consumer Issues
Topic: Best Short Joke
Replies: 12
Views: 1146

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
Sun Aug 10, 2014 5:05 pm
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10967

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 03, 2014 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 66
Views: 7693

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 Jul 27, 2014 7:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 85
Views: 8415

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 6:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5568

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 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 280
Views: 49042

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 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 280
Views: 49042

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 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6755

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 1:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 85
Views: 8415

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
Tue Jul 22, 2014 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 22
Views: 2565

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
Mon Jul 21, 2014 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 20
Views: 1998

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 9:39 pm
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5623

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 8:34 pm
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5623

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 8:29 pm
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5623

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 8:13 pm
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 2228

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 8:05 pm
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 2228

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 7:49 pm
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5623

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...

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