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Re: "I've had it" at work - how often

Age 60 41 years in telecom In the early years the work was new and challenging. As time went on I reached a certain level of expertise and became one of the problem solvers. The special projects, demanding customers and FUBAR's got dumped on the problem solvers. There weren't many of us. We would of...
by peppers
Sun Oct 19, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12469

Re: The Final, Definitive Thread on Rebalancing

Professor Emeritus wrote:
FreddieG wrote:I rebalance by turning off the news using alternating left and right index fingers on the remote.


My mother used to say that a balanced diet was a cannoli in each hand.


With or without pistachio's? :)
by peppers
Sun Oct 19, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 24
Views: 1896

Re: So do we care more about change in bond price or bond yi

Kevin M

Nice job. See, some of us are paying attention.
by peppers
Tue Oct 14, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: So do we care more about change in bond price or bond yield?
Replies: 178
Views: 13423

Re: Do you every turn your smart phone off?

The employer provided devices are turned on at the appropriate time in the morning and turned off at the end of the work day. Nights and weekends belong to me.
by peppers
Sun Oct 12, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1925

Re: Stable Income Fund vs. Total Bond Market

https://institutional.vanguard.com/VGAp ... aluePooled

Here's a link to a Vanguard report that might interest you.
by peppers
Sun Oct 12, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2223

Re: What will you do during the next crash?

Make a pot of coffee and catch up on my reading.
War and Peace, The Rise and Fall of the Roman Empire, Why Own Bonds At All ?, Why Not 100% Stocks?
by peppers
Sun Oct 05, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: What will you do during the next crash?
Replies: 63
Views: 4038

Re: What Movie Have You Recently Watched?

12 Years A Slave

Based on the story of Solomon Northrup, a free man abducted and sold into slavery in the pre-Civil War era.
by peppers
Sat Oct 04, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 131
Views: 6840

Re: Critically Acclaimed Movies you did not like

Million Dollar Baby

There Will Be Blood

No Country For Old Men
by peppers
Sat Oct 04, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8272

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

I have 9 source accounts in my 401k regarding contributions and earnings.
2015 will be interesting.
by peppers
Mon Sep 29, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 85
Views: 8504

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Let me see if I understand all this using a simple scenario: Individual: Age 60 Wishes to take in-service distribution $100 of pre-1987 after tax contibutions $100 of earnings on those contibutions $100 of post-1986 after tax contibutions $100 of earnings on those contibutions On 01/02/2015 (01/01/2...
by peppers
Mon Sep 29, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 85
Views: 8504

Re: IRS Issues 401(k) After-Tax Rollover Rules

Alan S. wrote:And here are the observations of Michael Kitces on this Notice:

http://www.kitces.com/blog/irs-notice-2 ... onversion/



Nice summary by Mr. Kitces. Thanks for the link Alan.
by peppers
Sun Sep 28, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 85
Views: 8504

Re: Vanguard Quarterly Dividends in September

December is coming..... :)
by peppers
Tue Sep 23, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5163

Re: Share your Hot-Rod Portfolio

The Capsaicin Fund

30% Matthews Emerging Asia Fund MEASX (Habanero)
30% BlackRock Latin America Fund MDLTX (Serrano)
30% Fidelity Emerging Asia Fund FEASX (Cayenne)
10% Fidelity Worldwide Fund FWWFX (Ancho)

Scoville Heat Index rising... :)
by peppers
Sat Sep 13, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4336

Re: Feeling smug until 10 year ROR from Vanguard

Wife: 10 year 7.1%
Me: 10 year 6.9%

ok dear, you win.
by peppers
Sat Sep 13, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7783

Re: It appears that Ally Bank just increased their Savings R

Shades of Paul Volcker.......be still my heart.
by peppers
Wed Sep 10, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: It appears that Ally Bank just increased their Savings Rate.
Replies: 11
Views: 2429

Re: A question about Sherry

This might be of interest

http://www.alcademics.com/2010/09/how-l ... last-.html

Disclaimer: I have no affiliation with this site.
by peppers
Thu Aug 21, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1309

Re: Who or what inspired you and your investing approach?

A retired Aerospace Corp engineer who sold a $35 audio cassette tape investing course titled "How to Invest in No-load Mutual Funds" in the mid-1970's. He advertised it in Aviation Week or another trade journal a few times and I bought it. It got me off to a good start. :) He was a pre-Bo...
by peppers
Fri Aug 08, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4652

Re: Going 60+% international? (US resident)

FWIW, one of my sons has been investing regularly for ~14 years. He is 100% international.
Yes, we have had some interesting father - son conversations.
by peppers
Fri Aug 08, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 6193

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

In a section of our yard we placed several bags of river rocks surrounded by some garden bricks. The bricks and rocks provide a nice contrast in color and if anything unwanted sprouts up, it's a quick pull out.
by peppers
Fri Aug 08, 2014 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1840

Re: How do you address your inlaws and being addressed?

pennstater2005 wrote:
sscritic wrote:In my Chinese soap operas
I gotta check this out someday :D


If you like historical drama's, sscritic's soap recommendations are very good. I have watched two of them, with English subtitles.
by peppers
Fri Aug 08, 2014 9:02 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4884

Re: How do you address your inlaws and being addressed?

My daughters in law and my son in law address us by our first names. The grandchildren call us grandma and grandpa. All of them call my mother grandma peppers. My father and my wife's parents have passed.

Now, our children and grandchildren call our sisters Aunt Mary, Aunt Rose, Aunt Kathy etc.
by peppers
Fri Aug 08, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4884

Re: Peak Money Market Fund Yields in 1981-82

IIRC, I remember having a IDS Cash Management account and there was a 7 day yield of 20%. The savings and loans would also give away some free kitchen hardware if you opened up a new 6 month CD.
by peppers
Tue Aug 05, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1789

Re: Best Coffee Maker? What do you have?

peppers wrote:Keurig
Mr. Coffee
Regal 36 cup < For those long weekends when I am too lazy to make a fresh pot.


Update

A family member returned from Costa Rica and gave me a gift of some tierra volcanica molido.

Hmmm...which coffee maker to use...
by peppers
Tue Aug 05, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6345

Re: average American eats out 203 times per year

When the weather's nice I eat out on my deck. Question, if we are invited to someone's house for dinner, does that count?
by peppers
Tue Aug 05, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6790

Re: Inexpensive paper check replacement?

On line banking.
Benjamins in the gift envelopes.
by peppers
Sun Aug 03, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive paper check replacement?
Replies: 19
Views: 1652

Re: How old are you?

Remember, it's not the years but the mileage.
by peppers
Wed Jul 30, 2014 10:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 82
Views: 8209

Re: How to keep family informed

jebmke wrote:
sscritic wrote:even the one I opened just before I had a heart attack and died slumped over my computer, still logged into my Vanguard account.

The Account Upgrade didn't work for you either?


He was waiting for the confirmation and........
by peppers
Tue Jul 29, 2014 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 35
Views: 3347

Re: Gardening 2014 mid summer update

Hmmm.....interesting.... I'm just up the road from you in Mayor Rahm's town. Within the last week, we had a couple of days in the high 80's and that flicked the switch for the tomatoes. I have been harvesting the last few days. You might want to cut off any small vines without any buds on them or vi...
by peppers
Tue Jul 29, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: Gardening 2014 mid summer update
Replies: 8
Views: 641

Re: POLL: My home is worth less/more in 2014 than in 2007?

My best guesstimate is 20% less.
The kids can slug it out with the agents and the buyer when the time comes. :)
by peppers
Sun Jul 27, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6005

Re: favorite bogleheads posts?

The locked threads by stlutz on DCA and Value
by peppers
Thu Jul 24, 2014 9:43 am
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 53
Views: 5431

Re: Dumb 3rd grade math question about beach house rental

The OP could just front the 10k. This would eliminate the need to divide by x, multiply by y, total the sums and solve for the unknown.
by peppers
Wed Jul 23, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 5324

Re: Best Coffee Maker? What do you have?

Keurig
Mr. Coffee
Regal 36 cup < For those long weekends when I am too lazy to make a fresh pot.
by peppers
Wed Jul 23, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6345

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

I have retired from making prognostications about financial benchmarks.

I am also getting very lazy in my later years.
by peppers
Wed Jul 23, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3270

Re: Hw many credit cards to own?

We have two. His and hers.
by peppers
Mon Jul 21, 2014 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 57654

Re: VMMXX: Finally Pulled the Trigger

Perhaps DABDA

Denial
Anger
Bargaining
Depression
Acceptance
by peppers
Mon Jul 21, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 29
Views: 3759

Re: Poll - Do you use Quicken?

No, I use a number 2 pencil and a spiral notebook to track our assets.
For tracking expenses, I GPS my wife's car.
by peppers
Mon Jul 21, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5425

Re: how often do you look at your account

Once a week to see if I can remember the access information. I find that logging in to all 38 of my accounts and websites with passwords every day is a good way to fight the onset of dementia. That is why I never use the auto logon feature of bogleheads. I need to find out if I still remember that ...
by peppers
Sun Jul 20, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3779

Re: how often do you look at your account

Once a week to see if I can remember the access information.
by peppers
Sun Jul 20, 2014 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3779

Re: Stable Value Fund vs Total Bond Market

I use the SVF and Barclays Capital U.S. Government/Credit Bond Index fund in my 401k at globalmegacorp.
by peppers
Sun Jul 20, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund vs Total Bond Market
Replies: 27
Views: 2320

Re: Garden 2014

The last of the vegetables were kicked out of the house and planted yesterday. Update Little Fingers Eggplant Not yet Icaban Eggplant Not yet Diva Cucumbers Harvesting Sweet Slice Cucumbers Harvesting Roma Tomatoes Not yet Cherry Tomatoes Not yet Heirloom Tomatoes Not yet Big Bertha Peppers meh Bel...
by peppers
Sat Jul 19, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4708

Re: The ultimate Boglehead exercise

sscritic wrote:I am too lazy to move that slowly.


It's good to know I am not alone.
by peppers
Sat Jul 19, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 30
Views: 3917

Re: New Edition of Random Walk in January 2015

sscritic wrote:Try this: Tell me one thing you can get from a book that you can't get on bogleheads.

You can't. If you tell me, then it will be on bogleheads. Q.E.D.


paper cut
by peppers
Thu Jul 17, 2014 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: New Edition of Random Walk in January 2015
Replies: 33
Views: 2470

Re: High end purses

I'm male. I love wearing ratty jeans with holes in them when I am doing my gardening. It helps with the ventilation on hot summer days.
by peppers
Sun Jul 13, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 13449

Re: Does anyone expect tilts to *under*perform?

This thread reminded me of an old fishing story.... Two friends get up early and set out on their boat, equipped with the latest electronic fish finders and the best rods, reels and lures money could buy. As the day goes on they are seen darting back and forth across the lake, hitting all the known ...
by peppers
Sun Jul 13, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Does anyone expect tilts to *under*perform?
Replies: 84
Views: 5694

Re: Knowledge gaps + anxiety = shame; gender and investing

So, HFT is now High Frequency Testosterone ? :wink:
by peppers
Sat Jul 12, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5898

Re: POLL: Walmart vs Amazon

I needed a mask, some tongs, and some gloves to remove a dead rat from my attic this morning. I didn't need 100 masks, 6 tongs, and 10 gloves from Costco. I also didn't want the smell of the dead rat in my house for two days waiting for delivery from Amazon. I got to Walmart and back is 15 minutes....
by peppers
Sat Jul 12, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8790

Re: POLL: Walmart vs Amazon

Neither. We have had very disappointing customer experiences with them.
by peppers
Sat Jul 12, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8790
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