Search found 369 matches

by Kalo
Tue Sep 20, 2016 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Strategies to reduce illogical worries?
Replies: 36
Views: 2498

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: 6646

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: 6144

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: 731

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: 731

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...
by Kalo
Mon Sep 12, 2016 11:48 pm
Forum: Personal Consumer Issues
Topic: Car title question - moved from Florida
Replies: 8
Views: 731

Re: Car title question - moved from Florida

Thanks for looking that up for me Rooms222. I found a phone number I can use to call them. It said I can request an address change online (need to do that or they will mail the title to the address on file), but they need my DL number to do that and OK kept that. So hopefully they can help me figure...
by Kalo
Mon Sep 12, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Car title question - moved from Florida
Replies: 8
Views: 731

Car title question - moved from Florida

I recently moved from FL to OK. FL has an electronic title (I gave them the paper copy when I moved there), which has a lien on it for a loan. When I moved to OK, I was able to register the vehicle with no problem, but they told me something about notifying FL so that OK could give me a lien-free ti...
by Kalo
Mon Sep 12, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 44
Views: 5055

Re: What shape is your net worth curve?

I started tracking mine on 6/30/2013. It goes up pretty linearly until about 4/30/2015. Then it dips down and up a couple of times. I'm roughly where I was on 4/30/2015. The reason I started tracking it is because I realized I was missing a historical picture of where I was over time, even though I ...
by Kalo
Mon Sep 05, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: "Letter of Final Instructions"
Replies: 45
Views: 5737

Re: "Letter of Final Instructions"

Thanks for sharing that Taylor. It's a good reminder for me and also I am sure many other Bogleheads readers.

This looks like a very good template to use once I get around to it, which I keep meaning to do but also keep putting off.

Kalo
by Kalo
Sun Jul 24, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 1967

Re: King Solomon was the original Boglehead - historically speaking

daviddo wrote:
...
"Whoever watches the wind will not plant; whoever looks at the clouds will not reap." (Don't time the market)
...


This one also makes me think of paralysis by analysis.

Kalo
by Kalo
Sat Jul 23, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: LCG vs LCV over the last 23 years
Replies: 32
Views: 2076

Re: LCG vs LCV over the last 23 years

I think you got one of your tickers wrong in the original post. VGRIX = JPMorgan Growth And Income Fund Class A (the ticker in the original post) VIGRX = Vanguard Growth Index Fund Investor Shares (presumably the fund you meant to refer to) Anyway, aren't both of the funds you refer to Large Cap? I ...
by Kalo
Tue Jun 28, 2016 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Betting on the next industrial revolution?
Replies: 7
Views: 851

Re: Betting on the next industrial revolution?

I already lived through an attempt to do something like this. In the late 1990's I was heavily tilted toward the tech sector. I took a lot of losses for that mistake. Now I'm broadly diversified across sectors, countries, sizes and styles. And I also have a healthy percentage of my portfolio in bond...
by Kalo
Sat Jun 18, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: Overcoming the Urge to Beat the Market.
Replies: 56
Views: 5117

Re: Overcoming the Urge to Beat the Market.

I have several reasons for why I gave up on trying to beat the market. Many were listed by others in posts above. But my main reason is that I do not have any extra money to lose at this point. I'm just on track for retirement. I may do better or worse, have to tighten my belt or be able to loosen i...
by Kalo
Sun May 29, 2016 6:39 pm
Forum: Investing - Theory, News & General
Topic: Books on Options
Replies: 57
Views: 2548

Re: Books on Options

I have a copy of The Rookie's Guide to Options: The Beginner's Handbook of Trading Equity Options, by Mark D Wolfinger. I recommend it as it is written in an easy-to-read style, yet has a great deal of detailed information. My reason for not trading options is because the one big variable seems to b...
by Kalo
Sat May 14, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11977

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

Even if this is true, it's only anecdotal evidence that muni bonds are a good idea. I don't think muni bonds are safe, just my opinion. But I also believe that the safety of Treasuries is generally overestimated. Treasuries are great for shallow risk, but I don't see how one is compensated for the ...
by Kalo
Sat May 14, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11977

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

http://www.nytimes.com/2016/05/11/business/dealbook/puerto-ricos-fiscal-fiasco-is-harbinger-of-mainland-woes.html?ref=business&_r=0 This isn't a Black Swan that you cannot see coming. Larry I have to comment on your phrasing Larry. My initial mental translation was: This is a Black Swan that yo...
by Kalo
Sat May 14, 2016 4:15 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11977

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

... Somewhere in my foggy memory banks, I faintly recall somewhere that Joe Kennedy parked the family fortune in muni bonds during the Great Depression and fared very well. I can't image any better test for muni bonds than the Great Depression. Even if this is true, it's only anecdotal evidence tha...
by Kalo
Sat May 14, 2016 3:21 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2016 annual report
Replies: 21
Views: 2096

Re: Bogleheads® Wiki 2016 annual report

A sincere thank you to all who make this site possible and to all who contribute.

I have learned more from Bogleheads.org than from any other resource. I am forever grateful.

Kalo
by Kalo
Fri Apr 29, 2016 11:19 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 8046

Re: So, are Bogleheads Bourbon or Scotch drinkers?

I like Seagram's Extra Dry Gin and Diet Vernor's with plenty of ice. Crazy sounding drink, right? Try it some time. You won't even know you're drinking liquid. It's practically like inhaling fresh air, and you won't get a bad reaction no matter what you eat with it. I never drink any dark colored al...
by Kalo
Wed Apr 27, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 3665

Re: if you HAD to pick 2 actively managed funds???

Vanguard Capital Opportunity? Wellington? Munder Net Net Fund? Remember that one? Sadly, I do remember the Munder Net Net fund. I can't remember all the details but I was in this fund for about a year. I think I may have invested $1,000 and cashed out about $400 or so. I was also in a fund called T...
by Kalo
Sun Apr 24, 2016 7:48 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 175
Views: 10979

Re: dividend stocks

Larryswedroe, I appreciate your posts on this subject. This is one of many parts of investing where my intuition runs contrary to what the academic literature suggests. If it weren't for posts like yours to give me alternative points of view, backed up by logic, math and academic studies, I think I ...
by Kalo
Sun Apr 03, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: is foreign investing really worth it
Replies: 90
Views: 6292

Re: is foreign investing really worth it

Regarding the under-performance of international, consider this. There are also parts of US that have under-performed, but it's not as obvious because those segments are combined with TSM. Some are saying that high dividend yielders and utilities may be overbought now. But of course those saying it ...
by Kalo
Mon Feb 08, 2016 9:03 pm
Forum: Investing - Theory, News & General
Topic: Dividend Reliability Studies
Replies: 14
Views: 1456

Re: Dividend Reliability Studies

Thanks to larryswedroe, Clive, biscuits222 and patrick013 for your replies.

Good information and I now have some reading to do. I am getting an education as usual and I appreciate the citations for further reading. Nothing is ever as simple as it first seems.

:)

Kalo
by Kalo
Sun Feb 07, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: Dividend Reliability Studies
Replies: 14
Views: 1456

Re: Dividend Reliability Studies

Well after reading http://www.efficientfrontier.com/ef/902/vgr.htm I am now probably more confused than before regarding the riskiness of growth vs value. Is it perhaps an unresolved issue?

Kalo
by Kalo
Sun Feb 07, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: Dividend Reliability Studies
Replies: 14
Views: 1456

Re: Dividend Reliability Studies

Kalo Value stocks are the stocks of RISKIER COMPANIES. And in fact their SD of price is also higher both in large and in small, another measure of risk---when you use the longest data series we have. They have lower prices to book market or earnings, etc. That is what he meant by margin of safety. ...
by Kalo
Sun Feb 07, 2016 7:38 pm
Forum: Investing - Theory, News & General
Topic: Dividend Reliability Studies
Replies: 14
Views: 1456

Re: Dividend Reliability Studies

Perhaps look at the dividend indexes ? NASDAQ dividend achievers only has 50 stocks (VG Dividend Growth Fund) and the Wisdom Tree top 100 ex-financials are common. What the market index is for dividends is a good question. Thanks for the ideas patrick013. I guess I was just surprised that dividends...
by Kalo
Sun Feb 07, 2016 7:30 pm
Forum: Investing - Theory, News & General
Topic: Dividend Reliability Studies
Replies: 14
Views: 1456

Re: Dividend Reliability Studies

what I can say is that the research found that the SD of dividends of value stocks (along with the SD of earnings) is much higher for value than for growth---and that is a simple risk story for the value premium Larry Thanks Larry for the reply. I did not think that would be the case but the way yo...
by Kalo
Sun Feb 07, 2016 5:19 pm
Forum: Investing - Theory, News & General
Topic: Dividend Reliability Studies
Replies: 14
Views: 1456

Dividend Reliability Studies

I downloaded some data from Schiller showing the history of dividends of S&P 500. I was surprised at how variable dividends have been over the last century, in both real (adjusted against CPI) and nominal terms. Does anyone know of any studies of historical dividend reliability? By reliability I...
by Kalo
Wed Sep 30, 2015 10:21 am
Forum: Investing - Theory, News & General
Topic: International diversification may not be good for US retirees
Replies: 71
Views: 6063

Re: International diversification may not be good for US retirees

The way I read the title of this thread is: "International diversification may or may not be good for US retirees." I'm not joking or being sarcastic. That is literally what the title means to me. Now, here's my reason for holding 40% of my equity position in VTIAX (Vanguard Total Internat...
by Kalo
Thu Sep 24, 2015 6:53 pm
Forum: Investing - Theory, News & General
Topic: VW stock goes from 170 to almost 100 and falling, good time to buy?
Replies: 169
Views: 17266

Re: VW stock goes from 170 to almost 100 and falling, good time to buy?

If you pick about 20 stocks, you are just as diversified as the index or any mutual fund. That's an urban legend. No, it's actually shown by Nobel Prize winner Malkiel in "Random Walk down Wall Street". I suggest you pick up a copy. Here's another take: http://www.efficientfrontier.com/ef...
by Kalo
Tue Sep 22, 2015 11:05 pm
Forum: Investing - Theory, News & General
Topic: VW stock goes from 170 to almost 100 and falling, good time to buy?
Replies: 169
Views: 17266

Re: VW stock goes from 170 to almost 100 and falling, good time to buy?

If you pick about 20 stocks, you are just as diversified as the index or any mutual fund. And ALL are equally exposed to black swam events like this. You seem to be saying that the impact on your portfolio of a steep decline of a single stock is the same whether that stock is one of 20 or 1 of 3814...
by Kalo
Tue Sep 22, 2015 10:51 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Unveils Two International Dividend Funds]
Replies: 26
Views: 3431

Re: [Vanguard Unveils Two International Dividend Funds]

Way too expensive for me. I own some VIG, but have often questioned the choice. But it's only about 4% of my total portfolio. Don't the international countries hold back some of the dividends that would otherwise be paid to shareholders if you are not a comrade or compatriot? So wouldn't it make mor...
by Kalo
Sun Sep 20, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 2574

Re: Out of I-bond emergency fund and into .... what?

I bonds are a great investment?? Yes, if you purchased them 10, 12, 14 years ago. New ones now yield 0% fixed and -0.80% inflation. Why on earth would anyone buy I bonds now? I still have a bunch from the good old days yielding 4.91%, but that will drop with no inflation. I've sold all the ones I p...
by Kalo
Sat Sep 19, 2015 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 2574

Re: Out of I-bond emergency fund and into .... what?

I don't understand why the I Bonds are not easy to access if necessary. I would hate to give up the I Bond space. I wish I could get more of it. To me, I Bonds are a great investment, and I would forego some other investment to fund my emergency fund rather than lose the space, since it can only be ...
by Kalo
Sat Sep 19, 2015 7:41 pm
Forum: Investing - Theory, News & General
Topic: Are TIPS really inflation protected, if 1% return does not make up for 1% inflation?
Replies: 25
Views: 2934

Re: Are TIPS really inflation protected, if 1% return does not make up for 1% inflation?

It is interesting that one rarely hears talk of the real taxation rate. I am quite sure that the average person on the street does not know they are paying taxes on returns that only kept them even with inflation. Twas ever thus, and also, one could make the argument that the government needs what ...
by Kalo
Sat Sep 19, 2015 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Free Kindle Downloads Today
Replies: 49
Views: 4921

Re: Free Kindles Today

I really appreciate the heads up on this. I downloaded them all and will read them soon. I had already read the short one but it's nice to have it in kindle format (just had it in a pdf somehow). I thought your Four Pillars book was so great and it has forever changed my perspective on investing. I ...
by Kalo
Sat Sep 19, 2015 2:14 pm
Forum: Investing - Theory, News & General
Topic: Schwab "Rethinking Asset Allocation"
Replies: 47
Views: 4375

Re: Schwab "Rethinking Asset Allocation"

Here's my take just using my intuition: Regarding commodities: they should just keep up with inflation, generally. They don't have a profit model. Commodities are lazy. They just sit there. If you have a pile of something and sell it, the pile is gone. So you don't sell it, you just hold it. But the...
by Kalo
Mon Sep 07, 2015 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: VNQ yields 4.1%, so does 100% VNQ makes sense [Vg REIT index]
Replies: 19
Views: 2290

Re: VNQ yields 4.1%, so does 100% VNQ makes sense

I seem to recall an additional reason that makes them even better in a Roth than in a Traditional. Something to do with taxes maybe? But not just tax deferral. I just can't remember what it was. The advantage is not specific to REITs, but to any stocks. The RMD rules make it slightly better to hold...
by Kalo
Mon Sep 07, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: Are TIPS really inflation protected, if 1% return does not make up for 1% inflation?
Replies: 25
Views: 2934

Re: Are TIPS really inflation protected, if 1% return does not make up for 1% inflation?

It is interesting that one rarely hears talk of the real taxation rate. I am quite sure that the average person on the street does not know they are paying taxes on returns that only kept them even with inflation. Twas ever thus, and also, one could make the argument that the government needs what i...
by Kalo
Mon Sep 07, 2015 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: VNQ yields 4.1%, so does 100% VNQ makes sense [Vg REIT index]
Replies: 19
Views: 2290

Re: VNQ yields 4.1%, so does 100% VNQ makes sense

As with any sector funds, REITs should be used to complement an already diversified portfolio. Holding 100% is quite frankly the equivalent of putting all your eggs in one basket. As for why it's recommended in tax-advantaged accounts, REIT funds/ETFs generate significant dividends that are always ...
by Kalo
Mon Sep 07, 2015 2:49 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 38398

Re: The Bogleheads' Silent Majority

I keep pretty good track of my portfolio. I am mostly looking at the AA percentages, but I also notice the absolute dollar value. My recollection is that my portfolio was about 62% stocks, 38% bonds, and 40% of equities in international not too long ago. Recently it changed to 60% stocks and 40% bon...
by Kalo
Mon Sep 07, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: VNQ yields 4.1%, so does 100% VNQ makes sense [Vg REIT index]
Replies: 19
Views: 2290

Re: VNQ yields 4.1%, so does 100% VNQ makes sense

It's extremely concentrated compared to a 3-fund. Much riskier. I wouldn't do it. Old adage: don't chase yield. You could tilt toward it. I wouldn't put more than 5% of total portfolio though. There's also an international version, VNQI I think. That would help with the diversification, but not much...
by Kalo
Mon Sep 07, 2015 2:11 pm
Forum: Investing - Theory, News & General
Topic: Pascal's wager and insurance decisions
Replies: 27
Views: 3088

Re: Pascal's wager and insurance decisions

I have found that pre-paying for services is best avoided. I'm not even that comfortable with the concept of a SPIA, because I would worry about the insurance company failing. But at least with that, I know what my cost is. My problem with LTCi is that you have these unknowns (both the cost and the ...
by Kalo
Fri Aug 28, 2015 9:27 pm
Forum: Investing - Theory, News & General
Topic: Having fun on CNBC Halftime Report today
Replies: 19
Views: 3050

Re: Having fun on CNBC Halftime Report today

What about the fact that a further strengthening dollar (which we would expect from a rate increase while the rest of the world is decreasing rates) hurts US exports? Kalo Could be. It could also be that domestic demand increases more and overshadows a small drop in foreign exports. Rick Ferri Than...
by Kalo
Fri Aug 28, 2015 8:46 pm
Forum: Investing - Theory, News & General
Topic: Having fun on CNBC Halftime Report today
Replies: 19
Views: 3050

Re: Having fun on CNBC Halftime Report today

What about the fact that a further strengthening dollar (which we would expect from a rate increase while the rest of the world is decreasing rates) hurts US exports?

Kalo
by Kalo
Fri Aug 28, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Keezel Connectivity Device
Replies: 4
Views: 1186

Re: Keezel Connectivity Device

Thanks all for your replies.
by Kalo
Tue Aug 25, 2015 3:55 pm
Forum: Personal Consumer Issues
Topic: Keezel Connectivity Device
Replies: 4
Views: 1186

Keezel Connectivity Device

Has anyone heard of the Keezel device? I just saw an ad for it and am wondering if any of the Bogleheads have any opinions on it regarding value, safety, usefulness, etc.
by Kalo
Sun Aug 16, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Re-evaluating AA and %international equity
Replies: 16
Views: 2029

Re: Re-evaluating AA and %international equity

Earlier this year I read that Vanguard was going to change the Int'l % of Equity from 30% to 40% in its Target Date funds. At the time I made the incorrect assumption that this would be an instantaneous change. Since I am replicating this in my own portfolio, I made this change at the time I read ab...
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: 2638

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: 6568

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 ...

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