Search found 387 matches

by Kalo
Sun Mar 19, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 11
Views: 887

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: 4319

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: 3524

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: 7839

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: 549

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: 2589

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: 7459

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: 11838

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: 11838

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: 6672

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: 11
Views: 1601

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: 11
Views: 1601

"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: 9844

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: 2186

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: 3671

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: 399

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: 9710

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: 5519

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: 2943

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: 7476

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: 6945

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: 878

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: 878

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: 878

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: 878

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: 45
Views: 6356

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: 7019

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: 2225

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: 2483

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: 985

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: 5583

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: 3031

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: 12706

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: 12706

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: 12706

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: 2365

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: 9220

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: 4115

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: 12152

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: 7051

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: 1724

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: 1724

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: 1724

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: 1724

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: 1724

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: 1724

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: 6662

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: 18186

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: 18186

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...

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