Search found 339 matches

by kikie
Thu Aug 18, 2011 11:55 am
Forum: Personal Investments
Topic: is it to your advantage to take the switch?
Replies: 31
Views: 4067

Default User BR wrote:What does this have to do with personal investments?

and it matters, apparently because of the endowmnet effect and status quo bias


but i shoulda put it some other forum , oh well

Brian
by kikie
Thu Aug 18, 2011 11:38 am
Forum: Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 53648

"There is no comparison between fear and greed. Fear is instant, pervasive and intense. Greed is slower. Fear hits."
by kikie
Thu Aug 18, 2011 12:27 am
Forum: Personal Investments
Topic: is it to your advantage to take the switch?
Replies: 31
Views: 4067

Door 1 Door 2 Door 3 result if switching result if staying Car Goat Goat Goat Car Goat Car Goat Car Goat Goat Goat Car Car Goat makes it makes sense. and it matters, apparently because of the endowmnet effect and status quo bias, though i guess i though the odds were now 50/50 when they were 33% so...
by kikie
Wed Aug 17, 2011 11:38 pm
Forum: Investing - Theory, News & General
Topic: The Teleconference I held for clients today now available
Replies: 16
Views: 4306

Re: paix

what would be the suggested tilt for someone age 45 , 5-10 years from retirement to move FROM 40 or 50% TO hold 30% TSM(30% portion TSM intl) ; 41% savings bonds (57% total bonds) 5-10 % gold ? though actually the equities are already at 30% in TSM mahalo Yes it involves reducing equity exposure at ...
by kikie
Wed Aug 17, 2011 11:16 pm
Forum: Investing - Theory, News & General
Topic: Questions about Tax Loss Harvesting.
Replies: 31
Views: 3533

may be this is succinct enough

losses on investments held LESS than 12mo can be deducted against capital gains ?below the line

greater than 12 deducted from ordinary income ("above the line"i guess, which is preferable, i believe)
by kikie
Wed Aug 17, 2011 11:10 pm
Forum: Personal Investments
Topic: is it to your advantage to take the switch?
Replies: 31
Views: 4067

is it to your advantage to take the switch?

i'm posting this from the WSPMBMM cause i never really understood the answer. suppose you're on a game show, and your're given the choice of three doors. bedhin one door is a car; bedhin the others, goats. you pick a door , say , no 1 and the host, who knows whats behind the doors opends anotehr doo...
by kikie
Tue Aug 16, 2011 2:16 pm
Forum: Investing - Theory, News & General
Topic: The Teleconference I held for clients today now available
Replies: 16
Views: 4306

Re: paix

larry, so for 'B' it entails lowering equity allocation? your saying if one doesn't go back to the great depression that small and value dont have higher SD ? -------------- If you go all the way back to Great Depression, small AND VALUE have higher SD then large and growth. If you add small and val...
by kikie
Tue Aug 16, 2011 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance is enough?
Replies: 86
Views: 32565

johnxxx: <br> so you carry no "umbrella" insurance? anyone else thinking of dumping their policy based on this comments? I am. And just signed up for it less than a month ago with Geico, had to add renters insurance too, all together $3-400/ year i think ......... To Jon in NYC: Why (as a general ru...
by kikie
Sat Aug 13, 2011 10:53 pm
Forum: Investing - Theory, News & General
Topic: The Teleconference I held for clients today now available
Replies: 16
Views: 4306

in your talk, you said that value and small caps will cause less volatility in a portfolio because the equity size is smaller ? sorta seems like you'd end up with the same volatility less equities but more intra-equity volatility though bill bernstein has pointed out that value stocks are better in ...
by kikie
Thu Aug 11, 2011 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else worried about their bonds?
Replies: 32
Views: 4085

Re: Anyone else worried about their bonds?

whatsa "ITT" I'm very comfortable with stocks at these valuations but I do worry a bit about my bonds. A while back, Jack Bogle recommended shortening the duration of bond holdings (i.e. to reduce the risk of a bond wipeout caused by rising interest rates). Anyone doing this now? 'Wipeout' sounds ex...
by kikie
Wed Aug 10, 2011 1:38 pm
Forum: Personal Investments
Topic: Vanguard Short Term Bond Index Fund
Replies: 20
Views: 4190

well its your question. so, would a bubble mean loss of 20% in one year, or 5% ? a imagine a gold bubble, a stock bubble and a bond bubble not all equal I don't know how to define bubble. It seems like in 2010 (early in the year), people thought there was a strong recovery, the market was up, and in...
by kikie
Wed Aug 10, 2011 12:30 pm
Forum: Personal Investments
Topic: Vanguard Short Term Bond Index Fund
Replies: 20
Views: 4190

flip flopping? curious to hear why/why not on CDs....... I don't own any CDs but its sure looks tempting i'm 2/3 in VG ST index ; 1/3 in intermediate term, which is 25% overall ; the other 30% bond holdings being savings bonds, i'm 45 but like to think i could retire in less than 10 years..............
by kikie
Wed Aug 10, 2011 12:24 pm
Forum: Personal Investments
Topic: Vanguard Short Term Bond Index Fund
Replies: 20
Views: 4190

define "bubble" otherwise, the answer says vague. vague question, vague answers :) i think grabiner explained what 'duration' is ..... I was just in another discussion about bond bubbles. Many advised against getting into bond funds in 2010 since there is a bond bubble. My question is would a fund l...
by kikie
Wed Aug 10, 2011 12:10 am
Forum: Personal Investments
Topic: Vanguard Short Term Bond Index Fund
Replies: 20
Views: 4190

Re: Vanguard Short Term Bond Index Fund

dont look at one fund, look at overall allocation, if it fits, it fits i'd say if you have a large equity allocation, better to stay short bonds as their correlation is lower, and hence your diversified if all your holding is bonds, then either buy an ally bank 4 year CD at 2% or the TBM fund http:/...
by kikie
Tue Aug 09, 2011 12:43 pm
Forum: Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 53648

http://en.wikipedia.org/wiki/Loss_aversion In economics and decision theory, loss aversion refers to people's tendency to strongly prefer avoiding losses to acquiring gains. Some studies suggest that losses are twice as powerful, psychologically, as gains. Loss aversion was first convincingly demons...
by kikie
Tue Aug 09, 2011 1:31 am
Forum: Investing - Theory, News & General
Topic: rebalancing during downturns ?
Replies: 3
Views: 605

ya i got the 5% from that 5/25 rule what do you mean by "looking at your portfolio" vs. ? 5% bands are OK for for the big divisions of a portfolio, like between bonds and stocks. But for individual assets, it's better to have larger bands, of say 25%. Larry Swedroe calls this the 5/25 rule. Annual o...
by kikie
Tue Aug 09, 2011 12:05 am
Forum: Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 53648

i thought "RBD" was BH for re-balance day hmm
livesoft wrote:Today is a RBD, isn't it very obvious?
by kikie
Tue Aug 09, 2011 12:02 am
Forum: Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 53648

ah, the famous mr. market Folks, a few rules I follow: (a) Don't fret about your retirement account, so long as you are age-appropriate. If you are age-appropriate, by definition, a stock market plunge won't wipe you out. Indeed, it probably won't impact you much at all; (b) If you have money in "Mr...
by kikie
Mon Aug 08, 2011 11:48 pm
Forum: Investing - Theory, News & General
Topic: The Teleconference I held for clients today now available
Replies: 16
Views: 4306

Thanks
by kikie
Mon Aug 08, 2011 11:38 pm
Forum: Investing - Theory, News & General
Topic: rebalancing during downturns ?
Replies: 3
Views: 605

rebalancing during downturns ?

lets say one is brave and there IPS states to buy with a 5% change in allocation areas is this not a type of 'timing' if it happens often i'm planning on following bill bernstein's advice of only annual rebalancing, but things like would have calmed down by then (start of the 3rd quarter)
by kikie
Sun Aug 07, 2011 12:55 am
Forum: Investing - Theory, News & General
Topic: Questions about Tax Loss Harvesting.
Replies: 31
Views: 3533

Re: Questions about Tax Loss Harvesting.

or you could just look at it as a bonus, that you are allowed to offset some of your losses, uncle sam, i suppose doesn't have to do that you made the loss if you do it right you actually take advantage of uncle sam, by buying back a similar fund or just waiting a month and 'harvesting' the free mon...
by kikie
Sat Aug 06, 2011 11:30 pm
Forum: Investing - Theory, News & General
Topic: Questions about Tax Loss Harvesting.
Replies: 31
Views: 3533

Re: Questions about Tax Loss Harvesting.

your confusing things with all the words: if you have gains, those offset the losses, if you have losses, those offset the gains add them up: if the losses are > $3000 ; they can be carried over to the next year, and are counted against whatever your gains are the next year if you have losses once a...
by kikie
Sat Aug 06, 2011 10:30 pm
Forum: Investing - Theory, News & General
Topic: Questions about Tax Loss Harvesting.
Replies: 31
Views: 3533

fwiw, this time of the year, i bet you could get through to the IRS and ask them, i don't know about joint filers, $3000 is the single as after 2008, i get to use it for some 7-8 years If you sell stock and your spouse or a corporation you control buys substantially identical stock, you also have a ...
by kikie
Sat Aug 06, 2011 10:11 pm
Forum: Investing - Theory, News & General
Topic: Questions about Tax Loss Harvesting.
Replies: 31
Views: 3533

Re: Questions about Tax Loss Harvesting.

you are asking how to figure out what your capital loss was. you can just call whoever the mutual fund was and ask them, if you didn't track your basis you can deduct up to $3000/year ; if you didn't buy back the same fund superfund is a good name for it , hope it wasn't toxic waste cleanup I've rea...
by kikie
Sat Aug 06, 2011 3:49 pm
Forum: Investing - Theory, News & General
Topic: How to hedge against rising interest rates?
Replies: 36
Views: 7384

i was thnking more the swiss currency trust thign



john94549 wrote:Buy DLBS back on Thursday.

Seriously, I bought it back in February, and it's so far down it would take many, many interest spikes to get to green.

One of my shabbier calls, might I say.
by kikie
Sat Aug 06, 2011 2:33 pm
Forum: Investing - Theory, News & General
Topic: How to hedge against rising interest rates?
Replies: 36
Views: 7384

.........do you hold this ETF, if so in what proportion of your portfolio? Nt a sure thing by any means but probablya better idea than the levereged funds which are really a short term traders tool would be the CurrencyShares Swiss Franc Trust ETF although I doubt it would work well under sharp incr...
by kikie
Sat Aug 06, 2011 7:56 am
Forum: Personal Investments
Topic: rebalancing from IRA, reinvest Cap Gains and Div or not ?
Replies: 1
Views: 302

rebalancing from IRA, reinvest Cap Gains and Div or not ?

at the moment i'm thinking of rebalancing 1x/year , instead of quarterly using the 5/25% swedroe rule i have 2/3 Short term index and 1/3 Int Term Index bonds, should i just let it go to the money market and sit there, or sell off Short term bonds to rebalance, since there is no tax hit and lose the...
by kikie
Thu Aug 04, 2011 1:04 am
Forum: Personal Investments
Topic: Nervous Retirees Seek Allocation Advice
Replies: 33
Views: 6702

generally if your not comfortable doing the homework and riding out the bumps, i believe, it is usually best to find a low-cost fee-only advisor like
one of the founding bogleheads rick ferri runs or something
by kikie
Wed Aug 03, 2011 12:21 pm
Forum: Personal Consumer Issues
Topic: how does one know if they really need alignment tires?
Replies: 20
Views: 3738

going to firestone tommorrow to have it done, not sure about getting a 'policy' to do it repeatedly as the car has 100k on it ; my last saturn with 100k mileage, didn't make it much further ; before it was a write off i think they said a policy is $170 vs. $100 for a one time alignment fstone also s...
by kikie
Tue Aug 02, 2011 10:50 pm
Forum: Personal Consumer Issues
Topic: how does one know if they really need alignment tires?
Replies: 20
Views: 3738

in my case goodyear, shows the front and back are all out of alignment or the "tolerances" they allow. but there is no pulling ; maybe i can justify it as a safety thing, as sometimes i drive a bit too aggressively for a sedan i wonder what it might do for my gas mileage as i do drive for a living o...
by kikie
Tue Aug 02, 2011 3:32 pm
Forum: Personal Consumer Issues
Topic: how does one know if they really need alignment tires?
Replies: 20
Views: 3738

how does one know if they really need alignment tires?

goodyear did a test, says i need an alignment, i had the wheel bearing changed though it was fine, it was making noise car is not 'pulling' ; tires don't seem to have greatly uneven wear. it has 100,000 miles on an 2003 saturn ion, and has never had an alignment i just don't trust that i really need...
by kikie
Mon Aug 01, 2011 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards without Gimmicks? etc ?
Replies: 25
Views: 11577

FireProof wrote:I gotta say, that's an extremely weird aversion - to free stuff (that you an ignore if you want to for some reason).
i bet you work for capital one
by kikie
Mon Aug 01, 2011 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards without Gimmicks? etc ?
Replies: 25
Views: 11577

What gimmicks are you referring to? To me, the only gimmick is those cards that waive annual fee for a year, which you will need to note to either cancel the card after a year or call em up every year. The most "gimmicky" mailer I got was from Crap One that advertised in big bold words no enrollmen...
by kikie
Mon Aug 01, 2011 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards without Gimmicks? etc ?
Replies: 25
Views: 11577

the credit card market seems to be dominated by capital one, only other car with no foreign transaction charge is the chase sapphire card

should i be avoiding capital one for some reason?
by kikie
Mon Aug 01, 2011 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards without Gimmicks? etc ?
Replies: 25
Views: 11577

edit
by kikie
Mon Aug 01, 2011 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards without Gimmicks? etc ?
Replies: 25
Views: 11577

foo
by kikie
Mon Aug 01, 2011 12:13 pm
Forum: Personal Investments
Topic: of those with gold coins, what percentage is it ?
Replies: 4
Views: 916

A safe deposite box is only around $20 for a small one.it's good for yoursocial security card,birth certificate,savings bonds,and other important papers.simple,secure and I can't imagine not having one. how difficult is it to replace a birth certificate or social security card? SSSS: is there a lin...
by kikie
Sun Jul 31, 2011 1:37 am
Forum: Personal Investments
Topic: of those with gold coins, what percentage is it ?
Replies: 4
Views: 916

of those with gold coins, what percentage is it ?

of those with gold coins, what percentage is it ? of your entire portfolio? .....i don't think i want to maintain a safe deposit box. what would be an more portable substitute besides gold ETFs, etc. i have a good part of my portfolio in I-bonds and TIPS already, so don't think I need it for that.
by kikie
Sat Jul 30, 2011 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards without Gimmicks? etc ?
Replies: 25
Views: 11577

Credit Cards without Gimmicks? etc ?

Are there any credit cards, that are gimmick, straightforward cards, i might even pay an annual fee if there was I always pay mine off monthly, but rather not be a part of credit card companies that charge 20% apr, and are always changing the rules. only thing i care about is no foreign transaction ...
by kikie
Fri Jul 22, 2011 2:09 am
Forum: Personal Investments
Topic: What do you think about this Vanguard Financial Plan?
Replies: 26
Views: 4918

have you compared the tax-equivalent yields for your muni decision? your numbers don't seem to add up, your allocation does not equal the later paragraph about how much stock you have etc. you seem to be doing very well for age 33, way better than I was. any reason your keeping $150k in a savings ac...
by kikie
Fri Jul 22, 2011 1:58 am
Forum: Personal Investments
Topic: When does "age in bonds" NOT make sense?
Replies: 35
Views: 7685

why don't you take VG's little risk questionairre on the website and see what it spits out. that and sorta depends what flavor bonds you might buy, if you buy 1 year maturity, you can allocate more to stock; if you buy small cap, emerging international, value, you might then increase the allocation ...
by kikie
Thu Jul 21, 2011 12:41 am
Forum: Personal Investments
Topic: calculating duration with 2 funds average
Replies: 5
Views: 659

i suspected as much, but thought there might be more to it. gracias
by kikie
Thu Jul 21, 2011 12:20 am
Forum: Personal Investments
Topic: calculating duration with 2 funds average
Replies: 5
Views: 659

calculating duration with 2 funds average

if one wanted a portfolio to have say a 3-4 year duration combining a bond fund with a 6 yr duration and a 2 year duration

how would one calculate this? or is there some online tool, M*/TR doesn't seem to do it

thanks
by kikie
Tue Jul 19, 2011 9:55 pm
Forum: Personal Investments
Topic: why buy TBM vs IT total ?
Replies: 29
Views: 4022

Re: few thoughts

so, in so many words, one favors IT VG indx'ing despite the longer duration? I would not say that GNMAs are just very very slightly more risky than Treasuries. I think they are more risky period. It's just that I think there are far worse mistakes than owning them because at least you have full fait...
by kikie
Tue Jul 19, 2011 9:49 pm
Forum: Personal Consumer Issues
Topic: what % of realtors/associates may > $40k /year ?
Replies: 7
Views: 2239

whatsa sheriff sale list ? guess i can google it I know probably a dozen local realtors personally. If I had to guess, one guy (big name guy who owns a R. E. office with many agents, his name is on billboards all over, etc.) probably is making $250,000-$300,000/yr, and maybe made up to $600,000/yr d...
by kikie
Mon Jul 18, 2011 9:18 pm
Forum: Personal Investments
Topic: why buy TBM vs IT total ?
Replies: 29
Views: 4022

so VG TBM does not buy MBS that are not "government" MBSs? As I assume not all MBSs are "government-backed" MBSs ?
by kikie
Sun Jul 17, 2011 11:26 am
Forum: Personal Investments
Topic: why buy TBM vs IT total ?
Replies: 29
Views: 4022

i edited it 5 times, trying to format and correct the percentages, not sure why that matters to you, or why your telling me, what i know. i gave up and it wasn't relevent, so?

so people buy intermediate term because they don't want to own MBS ?


another reason?
by kikie
Sat Jul 16, 2011 11:36 pm
Forum: Personal Investments
Topic: why buy TBM vs IT total ?
Replies: 29
Views: 4022

why buy TBM vs IT total ?

why buy TBM vs IT total ? (if diversification in within bonds, is not as important as diversification withing equities) or is it common for BH to buy corporate funds from VG only and buy their own treasurys at treasury direct with a ladder or so ? one would need to have a very high value in TBM (ad...
by kikie
Sat Jul 16, 2011 4:00 am
Forum: Personal Consumer Issues
Topic: New to pod-casts. Are they just mp3s? do I need an Ipod?
Replies: 10
Views: 2352

ya the radio thing is only $20, i plug in SD cards into it, i have 3 or 4 old 500mb SD cards and i just rotate them, only bummer, is you can't rewind or forward ; start from the beginning and the $20 widget often comes unplugged or i have to tape it back together, but hey it's $20 and has lasted a y...