Search found 413 matches

by Kalo
Sat Sep 23, 2017 12:49 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 35
Views: 2171

Re: Asset Allocation for mid 50 age group

57 yo and probably retired. Currently 63 stock and 37 fixed income. Moving toward goal of 60/40 so pretty close. Part of my rationale is that my fixed income divided by years to SS at 70 equals 40% of portfolio, floor LMP. I assume the fixed income will keep up with inflation but I might create a ti...
by Kalo
Fri Sep 15, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2554

Re: Vanguard customer service/technology = "Bad returns in Bad times"

To the two posters saying that Vanguard's "hands are not clean.". All you have backed that up with is that they charge .3% for advisory services. Charging for services rendered is not the same as having dirty hands. Can you elaborate on what you mean, or clarify, or perhaps rephrase or retract? Or s...
by Kalo
Wed Sep 13, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Credit report freeze guide
Replies: 6
Views: 804

Re: Credit report freeze guide

I was having similar thoughts. It would be great if Bogleheads could come up with a guide for the wiki. At least basic bullet points. I know it is not polite to ask for gifts but I would be happy to pay with my eternal gratitude. I'm both concerned and ambivalent because I don't want to make matters...
by Kalo
Mon Sep 11, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3617

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

What about setting up to owe the IRS a large payment and hope you get hacked and the hacker pays the amount due for you! Take that, hackers!

Just kidding of course.

What a wonderful world that would be though.

Kalo
by Kalo
Sun Aug 20, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13344

Re: I own no international stocks. Can you guess why?

My guess without having read any other replies yet:

Because you sold or otherwise disposed of all your equities, domestic and international?

Kalo
by Kalo
Thu Aug 17, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Need a high risk option for $250
Replies: 22
Views: 2932

Re: Need a high risk option for $250

One thing to keep in mind with trading. If you are going to day trade you really need $25,000 so that when they force you to designate your account a day trading account, you will have the minimum required amount. But I don't recommend it. With less than 25k you will be limited in how often you can ...
by Kalo
Tue Aug 15, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Why/how can Android web browsers stall the whole OS?
Replies: 8
Views: 864

Re: Why/how can Android web browsers stall the whole OS?

Have you tried using Google Chrome browser? I never liked the native one that comes with Android. Kind of ironic that google also makes Chrome, but I'm guessing there are legal reasons that Chrome can't be the default browser for Android. Maybe because of Microsoft's legal troubles with Windows and ...
by Kalo
Wed Aug 09, 2017 1:23 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10336

Re: Is Amazon Prime worth it?

It sounds interesting and like something I might like. But net net I don't think I could save money with it. I think I could save on the things I would buy, but that without prime I would not buy them at all. I wouldn't count things like streaming as a savings because I don't stream now. I have a st...
by Kalo
Thu Jul 27, 2017 12:36 am
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 101
Views: 8528

Re: Can a TIPS ladder 'fail' ?

Thank you #Cruncher for your helpful replies above.

I plan to check out your spreadsheet. I think I need to keep reading too, but eventually I can probably get this figured out, or at least close enough.

:thumbsup

Kalo
by Kalo
Wed Jul 26, 2017 2:26 am
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 101
Views: 8528

Re: Can a TIPS ladder 'fail' ?

... ... ladders require reinvestment of coupon payments and a spreadsheet to figure that out. ... I'm not setting anything up that will require significant management in later years. I've witnessed mental decline among family members. I plan to make things simpler as I age, not more complex. Apart ...
by Kalo
Mon Jul 24, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 101
Views: 8528

Re: Can a TIPS ladder 'fail' ?

My concern related to TIPS is that frankly I don't understand them, and I believe strongly in the adage that you should not invest in things you don't understand. I don't think it matters what causes this lack of understanding. It is going to be hard to stick with something that I am not totally cle...
by Kalo
Fri Jul 21, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: Retirement Withdrawal Sequence/Strategy
Replies: 19
Views: 3693

Re: Retirement Withdrawal Sequence/Strategy

My solution is to just keep my taxable in a savings account. I can't risk it. But I'm only about three years from 59.5, so it is not that big a % of my portfolio. I am in a low tax bracket too, so taxes are really not much of an issue for me right now. Of course I count the taxable savings as part o...
by Kalo
Fri Jul 14, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 10275

Re: Do you count vehicle equity in net worth?

Haven't read this thread, just putting in my 2 cents. I count outstanding loans on vehicles, but don't bother with the vehicle value (asset), except in the first two or three years, when the value of the car really offsets the liability pretty evenly. I only have one car, almost paid off. If I had a...
by Kalo
Mon Jul 03, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: Planet Money episode about the Mutilated Currency Division
Replies: 8
Views: 984

Re: Planet Money episode about the Mutilated Currency Division

That's why I only bury gold in my back yard.

Kalo
by Kalo
Mon Jul 03, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a source of advice (multifaceted situation)
Replies: 7
Views: 1578

Re: Looking for a source of advice (multifaceted situation)

It sounds like you might want to find an advisor that charges a flat rate (not % of assets) fee. I have seen this mentioned in threads on Bogleheads but can't remember any details on best practices for finding a good one. Perhaps others can chime in regarding this.

Kalo
by Kalo
Fri Jun 23, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 24
Views: 2856

Re: VTSAX dividend error?

I noticed this also. When I enter the transaction in MS Money, I give two out of three data points and it calculates the third, so I always enter number of shares and dollar amount, and let it calculate the price per share. Otherwise, if I enter the price per share, one of the other figures will be ...
by Kalo
Sat Jun 17, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: "Dynamic Retirement Spending Adjustments: Small-But-Permanent Vs Large-But-Temporary" by Derek Tharp at kitces.com
Replies: 4
Views: 747

Re: "Dynamic Retirement Spending Adjustments: Small-But-Permanent Vs Large-But-Temporary" by Derek Tharp at kitces.com

Thanks for pointing out this article. My take-away is that the total amount of money that one can withdraw over retirement years remains roughly the same. One can take a constant amount through all years. Or ... One can take more in the beginning if one commits to taking less later on. Or ... One c...
by Kalo
Sat Jun 03, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9704

Re: Everything keeps going up, this feels too easy?

I have been selling some equities and buying some bonds with those proceeds. Part of the reason is that my AA is a bit too high in equities, although not outrageously so for me (fairly risk tolerant and was 100% equities for years). I'm about age - 23 in bonds. So for a lot of people that would be v...
by Kalo
Thu Jun 01, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Budgeting for One Number Budget
Replies: 3
Views: 999

Re: Personal Capital Budgeting for One Number Budget

I used to use a spreadsheet for budgeting, but then I realized that Microsoft Money has a sunset edition that can still be downloaded. You can't update it automatically but you can import data files. I actually manually enter my transactions, so can't testify as to the ease of file uploading. As far...
by Kalo
Tue May 16, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to stay on a budget?
Replies: 31
Views: 3848

Re: How to stay on a budget?

I haven't read all the replies, but here's my experience and advice. Start by using prior year's actual expenses. This helps avoid missing items you should have budgeted for. From that starting point, make adjustments, but be careful to remain realistic. Don't set your shoe budget to zero just becau...
by Kalo
Fri May 12, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: buying tips at vanguard
Replies: 9
Views: 3017

Re: buying tips at vanguard

My question is: Is the 2nd paragraph only referring to Muni bonds and not TIPS? Is purchasing TIPS on the open market also subject to some or all of the concerns mentioned in the 2nd paragraph? Yes, munis only. Many muni bonds can go months without an actual trade. TIPS are not as liquid as nominal...
by Kalo
Fri May 12, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: buying tips at vanguard
Replies: 9
Views: 3017

Re: buying tips and munis at Vanguard

If you want to buy new issue individual TIPS, buying them from Vanguard is easier, and there is really no price disadvantage. You can't really do this on a monthly basis - you will have to fit the auction schedule. Furthermore, you can buy individual TIPS from Vanguard anytime on the secondary mark...
by Kalo
Wed May 03, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: What conditions could make returns for TSM and S&P separate significantly?
Replies: 24
Views: 1691

Re: What conditions could make returns for TSM and S&P separate significantly?

I am free to choose between the two. I prefer the greater diversification of TSM. Costs are now the same. May not make any difference over my relevant time frame. I do tilt to small and mid value as well. Owning S&P 500 is, in my opinion, a tilt (or anti-tilt if you will). Tilting toward large g...
by Kalo
Tue Apr 11, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg - The Math Behind Futility
Replies: 8
Views: 1784

Re: Bloomberg - The Math Behind Futility

It would be interesting to see some analysis on this skewness phenomenon by style as well. In other words, are there enough of the big winners, and are they distributed evenly enough across styles (large, small, growth, value etc) that owning an indexed slice is good enough to avoid missing too many...
by Kalo
Tue Apr 11, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: When a company is bought out, what happens to the stock (like with Panera/Krispy Kreme)?
Replies: 34
Views: 4386

Re: When a company is bought out, what happens to the stock (like with Panera/Krispy Kreme)?

Warren Buffett has written some very interesting things in his annual letters regarding whether most mergers or acquisitions are a good deal for the acquiring firm and why. Sorry I don't know the exact years but I can ballpark it to the letters for years 1980-1990, maybe 1985-1990. Great reading too...
by Kalo
Tue Apr 11, 2017 2:38 am
Forum: Investing - Theory, News & General
Topic: "The Four Pillars of Investing" is one of today's Kindle daily deals
Replies: 24
Views: 4211

Re: "The Four Pillars of Investing" is one of today's Kindle daily deals

Thanks for putting this post out there. I have missed this opportunity several times and am very happy to have now made the purchase. This is my first Kindle purchase. Have wanted to own this book for years.

Kalo
by Kalo
Sun Mar 19, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 16
Views: 1926

Re: carpet beetles (varied carpet beetle)

I would call an exterminator.

Kalo
by Kalo
Mon Mar 06, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: The Ultimate Guide to Safe Withdrawal Rates: A 2000-2016 case study
Replies: 31
Views: 4822

Re: The Ultimate Guide to Safe Withdrawal Rates: A 2000-2016 case study

I wonder how most people who retire prior to starting SS withdrawals handle that change. I plan to start SS in about 13 years, but i use a life expectancy of about 34 more years. I generally look at not changing my expenditures once I start taking SS (unless of course things are going so well that I...
by Kalo
Wed Mar 01, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: "Why ETFs Won't Replace Mutual Funds"
Replies: 45
Views: 4132

Re: Allan Roth: "Why ETFs Won't Replace Mutual Funds"

I did not see this point made in any other post so am making it as some posts seemed to be implying this was not the case. At Vanguard, and at some if not most brokers, dividends on ETFs can be reinvested in fractional shares. True also on many individual stocks. I prefer admiral mutual funds at van...
by Kalo
Fri Jan 27, 2017 1:58 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 10522

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday, Taylor!

Appreciate all your great posts, and your service to our country.

Kalo
by Kalo
Mon Jan 09, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo corp bond
Replies: 8
Views: 678

Re: Wells Fargo corp bond

highercall wrote:viscx has a yield of 3.45% and duration of 6.5 years. Any reason not to use that?


When I look up this ticker (viscx) I get Invesco Small Cap Discovery Y (VISCX).

Looked at Vanguard's bond funds and can't figure out what you might be referring to.

Kalo
by Kalo
Wed Jan 04, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: "Vanguards Investment Tips For 2017"
Replies: 14
Views: 2827

Re: "Vanguards Investment Tips For 2017"

Interesting. There's a bit of a different cadence than the usual perky "stay the course" advice. "Be alert" is a little worrisome coming from him but it's also refreshingly honest. We're supposed to not listen to the background noise, but he's actually arguing for more vigilance...
by Kalo
Sat Dec 24, 2016 11:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 8512

Re: My Christmas Gift to You.

Taylor,

Thank you for your service to our country, in defense of freedom.

Merry Christmas to you, yours, and all our fellow Bogleheads.

Kalo
by Kalo
Sat Dec 17, 2016 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Good News For Bonds!
Replies: 98
Views: 12433

Re: My simple asset-allocation plan in retirement

I think it depends on what is meant by cannot afford to lose. I just did a quick back of the envelope, using the assumption that my bonds would not lose to inflation. What I can't afford to lose is what I need to get me to age 70, when I plan to start taking SS. I don't want to have to live only on...
by Kalo
Fri Dec 16, 2016 1:27 am
Forum: Investing - Help with Personal Investments
Topic: Good News For Bonds!
Replies: 98
Views: 12433

Re: My simple asset-allocation plan in retirement

1. I determine the amount of money I cannot afford to lose and put this amount in Vanguard Total Bond Market and my checking account. Most investors should not do this. They'd be putting themselves at great risk of outliving their money, not only because the bond returns would be insufficient to su...
by Kalo
Thu Dec 15, 2016 1:35 am
Forum: Investing - Theory, News & General
Topic: Swedroe: "OK to sin...but sin only a little"
Replies: 51
Views: 7116

Re: Swedroe: "OK to sin...but sin only a little"

Came across this article by Larry Swedroe. He talks about overweighting areas of the market, but not to push it. This is the guy who advocates investing only in small value stocks and short term treasuries? Seems like the classic example of someone "pushing it." Just going from memory, bu...
by Kalo
Fri Nov 18, 2016 5:53 pm
Forum: Investing - Theory, News & General
Topic: "Hidden Costs" in ETF & Index Funds CNBC
Replies: 14
Views: 2418

Re: "Hidden Costs" in ETF & Index Funds CNBC

....I must say however, that I do find broad based indexes to be somewhat concentrated.... That is like saying that seawater has a concentration of water, because a kilogram of seawater is 965 grams water and only 35 grams of salts. And that if you evaporate off most of the water, so that you had 3...
by Kalo
Thu Nov 17, 2016 2:04 pm
Forum: Investing - Theory, News & General
Topic: "Hidden Costs" in ETF & Index Funds CNBC
Replies: 14
Views: 2418

"Hidden Costs" in ETF & Index Funds CNBC

Just watched what I consider a very deceptive (although not very well disguised) argument against ETF's/Index funds on CNBC. The guest making the argument was David Winters (CEO of Wintergreen Advisers). His argument is that these funds are concentrated in a relatively few stocks and that the cost o...
by Kalo
Tue Nov 15, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bomb at 70 1/2
Replies: 71
Views: 10497

Re: Tax bomb at 70 1/2

How old are you? What tax bracket are you in now and will you be in at 70 1/2? You can convert TIRAs (Traditional) to RIRAs (Roth). The Wiki discusses. Depending on your age and brackets it could be a good strategy.

Kalo
by Kalo
Mon Oct 31, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Househould spending analysis
Replies: 17
Views: 2445

Re: Househould spending analysis

I recommend Mr Money Mustache web site. Even though it's about early retirement, the principles are the same for cutting back expenditures. There are some great ideas there. Be ready for extreme examples, but you don't have to go to those levels. You will pick up tips and you can do as much as you c...
by Kalo
Fri Oct 28, 2016 5:02 pm
Forum: Investing - Theory, News & General
Topic: Bogle's Total Stock Return Chart
Replies: 23
Views: 3973

Re: Bogle's Total Stock Return Chart

Here is a link to total stock returns chart: https://hurricanecapital.files.wordpress.com/2016/04/bogle_4.png So if the total average return is 5%, wouldn't the price increase at the rate of 5% vs 9.6% as the way its shown? I don't understand why he adds the dividend + earnings. Isn't this double c...
by Kalo
Thu Oct 13, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Open enrollment is here--new health plans, how do you go about choosing?
Replies: 2
Views: 434

Re: Open enrollment is here--new health plans, how do you go about choosing?

You say there are no out of network benefits? What if you are on vacation and have an emergency?

Kalo
by Kalo
Sun Oct 09, 2016 7:42 pm
Forum: Investing - Theory, News & General
Topic: How To Retire Comfortably With Just $500,000
Replies: 44
Views: 10335

Re: How To Retire Comfortably With Just $500,000

In addition to all the other problems in the article that have already been pointed out, this thought also occurs to me: If you are going to wait ten years, it's possible that a three fund portfolio will double in that time period, depending on the bond allocation and market performance (would requi...
by Kalo
Thu Sep 29, 2016 12:28 am
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 6181

Re: Has anyone been tempted to buy AMZN?

Another thing to consider is that as of mid September, there were 4.5 million shares of short interest in the stock. I don't know what that means other than that there are lots of people out there who believe the stock is going to retrace and want to profit on that. I'm grateful to the Bogleheads fo...
by Kalo
Tue Sep 20, 2016 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Strategies to reduce illogical worries?
Replies: 36
Views: 3164

Re: Strategies to reduce illogical worries?

Thanks, but if the fundamentals of investments bother you I would recommend you don't have all you money in equity investments. You are right about volatility, it isn't the issue here, but risk is still risk. How did you eliminate non-profit companies from your S&P funds, or are they not mutual...
by Kalo
Thu Sep 15, 2016 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Keys to a Successful Retirement
Replies: 55
Views: 7932

Re: Keys to a Successful Retirement

Bobcat2, Whenever I see a post from you I always read it and usually learn something new. I don't know of any other poster who emphasizes the concepts that you do, and I suspect you are correct in most of your assertions. I had no idea about liability matching prior to reading your posts, nor about ...
by Kalo
Wed Sep 14, 2016 9:14 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Bank Balance better predictor of happiness than Total Wealth
Replies: 43
Views: 7431

Re: WSJ: Bank Balance better predictor of happiness than Total Wealth

From the WSJ Article: "It is just a correlational study, so we don’t study the reasons for this. But we can hypothesize that when money is tied up in a pension or investments, it feels more abstract and inaccessible. Going to the ATM and seeing a large balance available feels more important to ...
by Kalo
Tue Sep 13, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Car title question - moved from Florida
Replies: 8
Views: 1083

Re: Car title question - moved from Florida

I figured it out if anyone has a similar question. I finally called the Oklahoma DMV Tag Office and they said I don't have to do anything until it's paid off. They just put a hold on my title (don't send me the paper title) until I bring in the title from Florida. So once it is paid off, I can then ...
by Kalo
Tue Sep 13, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Car title question - moved from Florida
Replies: 8
Views: 1083

Re: Car title question - moved from Florida

Drive it until the wheels fall off then call a junkyard to come get it. Of course, the responsible thing is to contact the lien holder and figure out how to have the lien released. Your choice. The lien is my car loan. I am paying it off. No question of not paying off the loan. Just trying to figur...