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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: 1628

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: 5071

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: 5071

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: 3297

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: 2729

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: 10653

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: 7038

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: 4013

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: 3857

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: 3877

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: 4603

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: 2824

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: 2057

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: 3293

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: 3180

Re: What to do about Ivy growing up a tree

Mares eat oats, and does eat oats, and little lambs eat ivy.

A kiddley divey too, wouldn't you?

:P

Kalo
by Kalo
Fri Nov 29, 2013 5:58 pm
 
Forum: Personal Consumer Issues
Topic: What to do about Ivy growing up a tree
Replies: 21
Views: 979

Re: POLL: Black Friday market close: Green or Red?

Leif wrote:
VictoriaF wrote:
The poll was about S&P500. 0.08 is practically 0, don't you think?

Victoria


I agree close, but the programmer in me would not allow me to accept it.

What is the saying, close only applies for horseshoes and handgrenades?


And in dancing.

:shock:

Kalo
by Kalo
Fri Nov 29, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Black Friday market close: Green or Red?
Replies: 52
Views: 1982

Re: CG aside, any reason I shouldn't hold something short te

Do you mean you are going to use it in a few months to contribute to your portfolio in proportions that will bring your AA back into balance? If so, why not just do that now? If you're going to use it for some other purpose, can you elaborate?

Kalo
by Kalo
Fri Nov 29, 2013 2:12 am
 
Forum: Investing - Theory, News & General
Topic: CG aside, any reason I shouldn't hold something short term
Replies: 11
Views: 607

Re: POLL: Black Friday market close: Green or Red?

On the one hand, it's going to be a light volume day. On the other hand, China is flying war planes over the islands being disputed by Japan, S Korea, others(?), with the US taking a side against China. I predict a moderate up day, or a drastic down day, with the possibility of a flat day. My offici...
by Kalo
Fri Nov 29, 2013 2:08 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Black Friday market close: Green or Red?
Replies: 52
Views: 1982

Re: Short Term Bond Funds

As I recall, the rationale was centered on the fact that with today's steep yield curve, when interest rates eventually rise, it is likely that short term rates would go up more than intermediate and long term rates as they are particularly low. The result would be a flattening of the yield curve t...
by Kalo
Fri Nov 29, 2013 1:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Bond Funds
Replies: 51
Views: 5549

Re: Young Investor needs help reaching first million

Welcome to the forum. I so wish I had discovered this site at your young age and had a similar attitude at the time. Between the wiki, this forum, and the recommended readings on the wiki, you can make a great start on the adventure of lifelong investing, and avoid a lot of mistakes. Good luck! :sha...
by Kalo
Fri Nov 22, 2013 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help reaching first million
Replies: 24
Views: 3543

Re: The JFK Assassination

I was 3 years old at the time and don't remember it. But a few years later my mom told me that two of our past presidents had been shot, one at a play, and one in a car. And she told me that their names were Lincoln and Kennedy. I tried to remember that because it seemed like good information. I thi...
by Kalo
Fri Nov 22, 2013 11:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: The JFK Assassination
Replies: 42
Views: 2446

Re: Tablets and Readers and Smartphones, oh my lol

Laptop, android phone, ipod, and smart TV. Have recently cut the cable TV and kept just the internet. Planning to simplify and not add any more unless the laptop dies then I'll have to get something I guess, really cheap laptop? Or tablet? Hoping that decision is two or three years out. If I do go t...
by Kalo
Wed Nov 20, 2013 1:58 am
 
Forum: Personal Consumer Issues
Topic: Tablets and Readers and Smartphones, oh my lol
Replies: 31
Views: 1936

Re: Valuations matter? Your opinion

Not sure how to vote because I don't know whether I'll change my behavior. My goal is to stick to my AA, but I don't know whether I will or not when things get really roily again, which they are bound to eventually. I do not believe there are any known or knowable functions that can accurately descr...
by Kalo
Sun Nov 17, 2013 1:51 am
 
Forum: Investing - Theory, News & General
Topic: Valuations matter? Your opinion
Replies: 56
Views: 2809

Re: Advice on fixed income portion of portfolio

I guess I should have said "early in retirement", perhaps. I was trying to convey that I am planning to be around for awhile. I found it refreshing as more frequently I tend to read "in early retirement in early or mid fifties" on this site. I think it's healthy to work into mid...
by Kalo
Fri Nov 15, 2013 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on fixed income portion of portfolio
Replies: 12
Views: 1324

Re: We're not in an Equity Bubble

What I am worried about is my vocabulary being ravaged by hyperbole inflation. By the time I'm old and grey, a full-on "literally most epic ever" won't buy a "pretty decent." I'm bothered by this too. The word "bubble" has been so over-used in recent years that it has ...
by Kalo
Fri Nov 15, 2013 12:16 am
 
Forum: Investing - Theory, News & General
Topic: We're not in an Equity Bubble
Replies: 61
Views: 5924

Re: We're not in an Equity Bubble

There may not be not a bubble, but clearly there is asset inflation caused by the Fed. The growing money supply, instead of resulting consumer price inflation, has resulted in asset inflation. Maybe a new word is needed. How about frubble? For Federal Reserve-induced bubble. Or Bernubble? Wait, how...
by Kalo
Thu Nov 14, 2013 11:58 pm
 
Forum: Investing - Theory, News & General
Topic: We're not in an Equity Bubble
Replies: 61
Views: 5924

Re: iBonds for tax sheltering

I wonder if the value of I Bonds is not partly dependent on one's age at date of purchase. If you're at an age where the I Bonds will mature when you are in your early 50's to late 60's, you may at that time be in a high tax bracket and have to pay taxes on what really amounts to a false gain (the i...
by Kalo
Thu Nov 14, 2013 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: iBonds for tax sheltering
Replies: 18
Views: 1592

Re: Amazon Sunday Delivery

" The Postal Service is asking Congress for the authority to let it drop Saturday delivery of letters but keep weekend shipment of packages so it can continue to exploit the growth of online commerce. “As online shopping continues to increase, the Postal Service is very happy to offer shippers...
by Kalo
Tue Nov 12, 2013 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Sunday Delivery
Replies: 11
Views: 1082

Re: The Boglehead View on Squirrels

Squirrels are the bogleheads of the animal kingdom; accumulating enough nuts in the fall to safely draw down on during the winter. Except bogleheads have more integrity. Those little rascals will steal you blind if you're not careful. Also, don't squirrels tend to forget where they've planted some ...
by Kalo
Tue Nov 12, 2013 9:33 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead View on Squirrels
Replies: 112
Views: 6356

Re: DVY etf, anyone use it?

I have some VIG in my tax deferred accounts. Just a small tilt. Not sure how DVY compares other than the expense ratio is .10 compared to .40 for DVY. Probably other differences too.

VIG is definitely one of the cooler tickers, not that that matters to the investment decision.

Kalo
by Kalo
Sun Nov 10, 2013 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: DVY etf, anyone use it?
Replies: 12
Views: 1122

Re: Imputed Value of NOT commuting

Out of sight, out of mind. When evaluation, ranking, or layoff time comes around employees that are with you in the trenches everyday get remembered. True if you have poor management IMHO. Otherwise the folks that consistently perform, exceed expectations and are reliable are remembered regardless ...
by Kalo
Sun Nov 10, 2013 12:11 am
 
Forum: Personal Consumer Issues
Topic: Imputed Value of NOT commuting
Replies: 28
Views: 2011

Re: Cute Money Saying

"But it don't sing and dance, and it don't walk." - Forever In Blue Jeans by Neil Diamond

Kalo
by Kalo
Fri Nov 08, 2013 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Cute Money Saying
Replies: 6
Views: 1259

Re: Does an allocation less than 5% ever make sense?

These "no less than 5%" rules are amusing to me because you have to start somewhere and folks cannot usually jump to 5% with an initial investment. I think the suggestion arises because even if a holding of 5% returns 10% better than something else, that's just 0.5% of the whole portfolio...
by Kalo
Fri Nov 08, 2013 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Does an allocation less than 5% ever make sense?
Replies: 34
Views: 3090

Re: If you started at the beginning...

Figure out what you love to do, and then do it in your spare time if you can't make a living at it.

Kalo
by Kalo
Wed Nov 06, 2013 1:10 am
 
Forum: Investing - Theory, News & General
Topic: If you started at the beginning... [advice for new investor]
Replies: 30
Views: 1930

Re: Evaluate...am I being too aggressive?

I would recommend if you haven't already to read some books on asset allocation. The wiki has a books and authors list here: http://www.bogleheads.org/wiki/Category ... nd_authors

Kalo
by Kalo
Wed Nov 06, 2013 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Evaluate...am I being too aggressive?
Replies: 5
Views: 832

Re: "Get out of bond funds"

Those advocating 100% stock AA or very high stock ratios have yet to mention the possibility of deflation in this thread. It's always that bear markets will inevitably be followed by bull markets and then you're off to the races again. Check out the four pillars of investing by Bernstein for a histo...
by Kalo
Sun Nov 03, 2013 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: "Get out of bond funds"
Replies: 50
Views: 8345

Re: Financial Website

You can create portfolios at yahoo finance or google finance and they'll update and allow you to enter transactions. But as morbster wrote above, adding outside investments is a feature on most if not all broker or mutual fund sites. I've actually never bothered to do this and use a spread sheet to ...
by Kalo
Sun Nov 03, 2013 2:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial Website
Replies: 4
Views: 677

Re: Paper I Bond 2013 Tax Refund Purchase Is Real

I've heard stories of the IRS paying someone's refund to a fraudster, and then the person having trouble getting the mess worked out with the IRS. I don't imagine any fraudster will ever pay my taxes due for me, so I'm going to try to owe instead of have a refund due. You don't understand how that ...
by Kalo
Sat Nov 02, 2013 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Paper I Bond 2013 Tax Refund Purchase Is Real
Replies: 19
Views: 1698

Re: Paper I Bond 2013 Tax Refund Purchase Is Real

It's probably a silly fear, but my goal is not to get a refund and to owe the IRS. The reason is because I've heard stories of the IRS paying someone's refund to a fraudster, and then the person having trouble getting the mess worked out with the IRS. I don't imagine any fraudster will ever pay my t...
by Kalo
Sat Nov 02, 2013 1:59 am
 
Forum: Investing - Theory, News & General
Topic: Paper I Bond 2013 Tax Refund Purchase Is Real
Replies: 19
Views: 1698

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

Yay for the .20% fixed rate. From Master and Commander: The Far Side of the World: Crew: Hurray! Maturin: Clearly something nautical and fascinating just happened. I am at a loss. Aubrey: We have made our turn northward. We are headed back toward the sun. Crew: To the sun. To the sun! :) I sure hop...
by Kalo
Sat Nov 02, 2013 1:47 am
 
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 7125

Re: Did you wish you were more aggressive when you were youn

I was 100% stocks for years and took hard losses during 2000 and 2008. I wish I'd been more conservative. But I'm on track still and that's what matters. Que Sera. My father was a child of the depression. He believes stock market = gambling. He thinks I'm crazy for investing. Thanks to Bogleheads, I...
by Kalo
Sat Nov 02, 2013 1:38 am
 
Forum: Investing - Theory, News & General
Topic: Did you wish you were more aggressive when you were younger?
Replies: 47
Views: 3967

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

I had last used my TD account so long ago that when I tried a couple of weeks ago, I just got a message that said something like "Account no longer exists, you'll need to set up a new account." This of course was all for the better as I did not have to go through the re-activation describe...
by Kalo
Fri Nov 01, 2013 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 7125

Re: Poll: How conservative/aggressive is your AA for your ag

I'm 53 yo and between 70% and 75% equities, the rest Short-term Bond. So that puts me at E, Moderate-Aggressive by this chart. Like many of the other posters, I would have guessed I was more aggressive than this suggests. That's because of the glide paths. I remain wholeheartedly unconvinced by glid...
by Kalo
Thu Oct 31, 2013 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 5902

Re: Long Term Care Policy Poll

I wonder if you can buy insurance against premium increases and the failure of the insurance company. :twisted: The thing I don't like about this is that I have no control over rate increases. If I get priced out of the market, wouldn't I just lose all those premiums paid in the past? I generally li...
by Kalo
Sat Oct 26, 2013 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Policy Poll
Replies: 33
Views: 1827

Re: Article -Almost no one can beat the market

I think one reason people still fail to use passive, low-cost investments is because they themselves are not professionals (and therefore don't know the statistics), and if they do use a professional, that professional's income is likely tied to keeping them in actively managed funds. Your doctor's ...
by Kalo
Sat Oct 26, 2013 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Article -Almost no one can beat the market
Replies: 11
Views: 1535

Re: Changing my AA

One thing that has helped me is that my tilts are pretty minor: 6% of total portfolio to small value 6% of total portfolio to dividend appreciation The rest is in standard TSM, TISM, and ST Bond. So any time I read something negative about one of my chosen tilts, it's pretty easy for me to ignore it...
by Kalo
Sun Oct 20, 2013 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing my AA
Replies: 15
Views: 1349

Re: POLL: What is your rate of return YTD?

The reason I find this irrelevant is because it has no bearing on future returns. I know I could figure out my past returns if I wanted to. I wish I could figure out my future returns though. Since I don't believe I can do this, I usually focus on trying to figure out my future risk tolerance. This ...
by Kalo
Sat Oct 19, 2013 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: What is your rate of return YTD?
Replies: 89
Views: 6156

Re: Help me understand how rebalancing affects compounding

Thanks for the replies so far. So is it possible to just not rebalance? Would that be a major mistake, even if the portfolio is well diversified? It would be a mistake to not rebalance and think that the risk profile of your portfolio would necessarily remain the same. It would probably increase si...
by Kalo
Sat Oct 19, 2013 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand how rebalancing affects compounding
Replies: 34
Views: 1631

Re: What do you read daily about Investing/Investments

I'm a Boglehead now but in the past I was an occasional trader and often kept my eye out for a good trading opportunity. I don't recommend trading or timing, but if you are going to do it, the best resources I have found are: Investors Business Daily (best resource to learn how to value stocks) MSN ...
by Kalo
Sun Oct 13, 2013 12:38 am
 
Forum: Investing - Theory, News & General
Topic: What do you read daily about Investing/Investments
Replies: 22
Views: 1924
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