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Re: Thought for the Day: Invest Logically

VictoriaF wrote:
hoops777 wrote:I think he would only put 20 pct in planet earth stocks and 80 pct universal :D


He could use the universal part of the allocation to buy real estate, because outside Earth, it can't go under water.

Victoria


True. But his venture could sink into a black hole. There goes the galaxy.
by peppers
Sat Feb 28, 2015 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Thought for the Day: Invest Logically
Replies: 18
Views: 1815

Re: Thought for the Day: Invest Logically

I don't see Spock as an equity guy because of the speculative and psychological aspects of the market. That "would be illogical." :)
by peppers
Sat Feb 28, 2015 8:32 am
 
Forum: Investing - Theory, News & General
Topic: Thought for the Day: Invest Logically
Replies: 18
Views: 1815

Re: Oliver's and Versailles

I'd like to thank Taylor for pointing out Oliver's Bistro. We went there this morning and the breakfast was reasonable and very tasty. dsivi: I am glad you and your friends enjoyed breakfast at Oliver's . We went there last week before the Boat Show. There is a famous Cuban Restaurant in Miami wher...
by peppers
Tue Feb 24, 2015 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4924

Re: What Movie Have You Recently Watched?

LadyGeek wrote:Tusk. A horror/thriller.

If you are looking for a "guy" movie, meaning a stupid plot and trite dialog, this is it. Don't blame me, my husband bought it. He liked it.


Gentlemen, I believe an aspersion has been cast upon our viewing habits. :)
by peppers
Sun Feb 22, 2015 9:45 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70611

Re: What Movie Have You Recently Watched?

American Sniper
by peppers
Sun Feb 22, 2015 2:01 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70611

Re: why do some people like Fidelity?

We have accounts at Fidelity and Vanguard. There is no emotional attachment to either one, simply tools to use and nothing more.
by peppers
Sat Feb 21, 2015 10:28 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6719

Re: I'm not a bad Boglehead [buying Powerball ticket]

Once again...ahem... The various state lottery commissions would like to thank all of the non winning Boglehead ticket holders for their generous and voluntary tax donations. They look forward to your continuing support.
by peppers
Thu Feb 12, 2015 5:44 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6156

Re: When 60/40 just isn't appropriate

The Clash of the Cultures p. 262 - 263 Wellington Fund "During most of the Fund's first four decades of existence, the Fund's allocation of assets between equities - typically about 60 - 65 percent of resources - and corporate and government bonds - the remaining 35 - 40 percent varied around t...
by peppers
Sun Feb 08, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 13112

Re: Do you or your advisor de-alpha portfolio by 3% annually

Do I de-alpha my portfolio? That's de-beta-ble.
by peppers
Sat Feb 07, 2015 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Do you or your advisor de-alpha portfolio by 3% annually?
Replies: 14
Views: 1228

Re: Approaching 50...What to expect?

Dutch wrote:This thread is starting to get depressing :x


Wait until someone starts "approaching 60...what to expect?"
by peppers
Thu Feb 05, 2015 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10008

Re: Approaching 50...What to expect?

For me it has been quite shocking to see the amount of muscle mass lost from say 47 to 52. I still exercise regularly, I used to play football, lift weights competitively, was a boxer in the Military, all the manly things. But looking in the mirror now I see a shell of the guy I used to be and the ...
by peppers
Tue Feb 03, 2015 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10008

Re: What to buy sweetie for Valentine's Day

Hire a Chippendales dance crew to do some house work.
by peppers
Tue Feb 03, 2015 6:46 pm
 
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 5744

Re: Minimun number of stocks required in an equity fund

Just looked at FAIRX on M*

10 stocks
15 bonds
by peppers
Mon Feb 02, 2015 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: Minimun number of stocks required in an equity fund
Replies: 10
Views: 828

Re: Minimun number of stocks required in an equity fund

http://www.icifactbook.org/fb_appa.html

Does this help? Scroll down to diversification. Looks like 12 if I am reading it right.
by peppers
Mon Feb 02, 2015 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: Minimun number of stocks required in an equity fund
Replies: 10
Views: 828

Re: Approaching 50...What to expect?

If you have have done well financially, expect to receive a stream of communications from various financial institutions that only have your best interests at heart. (Feel free to insert tongue in cheek here).
by peppers
Mon Feb 02, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10008

Re: Overweighting REIT: Thought Experiment

I am still waiting for anyone to give a coherent rationale for weighting according to proportion in the economy rather than weighting according to proportion in the stock market. This "economy thing" is weird. It is never explained or stated. Someone simply launches into an essay about ho...
by peppers
Mon Feb 02, 2015 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Overweighting REIT: Thought Experiment
Replies: 16
Views: 1821

Re: Wiki comments requested: The importance of asset allocat

Leeraar wrote:
The BH crowd generates its own noise, even as we recommend that people ignore the noise.

L.



BINGO
by peppers
Sun Feb 01, 2015 7:40 am
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10306

Re: Wiki comments requested: The importance of asset allocat

Hypothetical Hi everyone, 1st time poster I am starting a new job with an excellent benefit program. I will be able to max out my contributions to the Roth 401k and I am think about putting 100% into an International fund. Is this a good plan? ... Unusually clever post for a first-timer. :P The pro...
by peppers
Sat Jan 31, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10306

Re: Wiki comments requested: The importance of asset allocat

Hypothetical


Hi everyone, 1st time poster

I am starting a new job with an excellent benefit program. I will be able to max out my contributions to the Roth 401k and I am think about putting 100% into an International fund. Is this a good plan?

You guys are the best
by peppers
Sat Jan 31, 2015 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10306

Re: Workplace net worth conversations you'd like to avoid?

I generally kill the conversation with something like, "Brother, I'm so broke I can't even afford to change my mind."
by peppers
Fri Jan 30, 2015 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 9330

Re: Wiki comments requested: The importance of asset allocat

peppers wrote:Does Asset Allocation Policy Explain 40 90 or 100 Percent Of Performance?

https://corporate.morningstar.com/ib/do ... xplain.pdf


Upon further reflection, I believe Mr. Brennan's statement cuts to the chase.

Short and sweet.
by peppers
Thu Jan 29, 2015 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10306

Re: Wiki comments requested: The importance of asset allocat

Does Asset Allocation Policy Explain 40 90 or 100 Percent Of Performance?

https://corporate.morningstar.com/ib/do ... xplain.pdf
by peppers
Thu Jan 29, 2015 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10306

Re: What mutual fund companies do you use?

BlackRock, DB Advisors and Vanguard
by peppers
Tue Jan 27, 2015 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 3171

Re: WHAT EXPERTS SAY

What Experts Say

Happy Birthday Taylor
by peppers
Sun Jan 25, 2015 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3624

Re: Eliminating the "Face Palm" Icon

Or

捂脸
by peppers
Sat Jan 17, 2015 5:59 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2342

Re: U.S. stocks in freefall

Methinks Kate wore Prada :twisted:
by peppers
Wed Jan 14, 2015 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222613

Re: U.S. stocks in freefall

Should I go from 70stocks/30 bonds to 0 stocks/100 bonds right now. I am tired of the market going down every day in 2015? :greedy 8-) "Stay the course" is the advice of this forum, I believe. Don't tell us to stay the course. Tell the market to stay on its course up! Victoria Lady Victor...
by peppers
Wed Jan 14, 2015 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222613

Re: Poll - How much is enough / what's your number?

The number is what it is. I'm just waiting for the executive order from the commander in chief at home. :)
by peppers
Mon Jan 12, 2015 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7810

Re: Keurig Coffee Makers

We received a Keurig as a gift.

P.S. An esteemed Boglehead poster has got his cost per cup down to .0547 cents.
by peppers
Mon Jan 05, 2015 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 37
Views: 2757

Re: Paper Statements

Call_Me_Op wrote:Am I the only one who cannot give-up receiving financial statements in paper form? I do not feel comfortable otherwise. Am I wrong to feel this way?


In my personal "Library of Alexandria", my prized piece is the first annual statement from my 401k dated 1979. :)
by peppers
Sun Jan 04, 2015 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3415

Re: What will be the biggest investment surprises of 2015?

BlackRock and Fidelity will merge.
by peppers
Sat Jan 03, 2015 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: What will be the biggest investment surprises of 2015?
Replies: 82
Views: 8111

Re: 2015 Predictions: Most Popular Topics

What book are you currently reading?
by peppers
Sat Jan 03, 2015 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 Predictions: Most Popular Topics
Replies: 38
Views: 2435

Re: 2014 BOGLEHEAD CONTEST WINNER

Congratulations and bask in the glow of winning.

Tomorrow the race begins again. :wink:
by peppers
Thu Jan 01, 2015 9:09 am
 
Forum: Investing - Theory, News & General
Topic: 2014 BOGLEHEAD CONTEST WINNER
Replies: 23
Views: 2462

Re: What is considered to be a good 401k match?

FWIW,

Globalmegacorp used to have a 3 year vesting period for the company match. As of 01/01/2015, all company match is automatically vested.
by peppers
Sun Dec 28, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is considered to be a good 401k match?
Replies: 74
Views: 4445

Re: What Movie Have You Recently Watched?

Mockingjay Part 1 We had some of the grandchildren spend a few days with us and they wanted to see it. The theater had the surround sound and vibrating seats to get a feel for the explosions in the movie. I wasn't aware of this and my grandson explained it all to me. Grandpa doesn't get out much. Th...
by peppers
Sun Dec 28, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70611

Re: What is considered to be a good 401k match?

80% company match up to 6% base pay. Profit sharing and/or bonus do not figure into the equation.
by peppers
Sun Dec 28, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: What is considered to be a good 401k match?
Replies: 74
Views: 4445

Re: Stable value funds - is there a catch?

Here is a Vanguard white paper that might interest you.

https://institutional.vanguard.com/iam/ ... omain=true
by peppers
Sat Dec 27, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: Stable value funds - is there a catch?
Replies: 13
Views: 1551

Re: POLL: How do you make important investment decisions?

cheese_breath wrote:Simple ideas in the sense of approximate age in fixed income.

Derailed model in the sense of Excel spreadsheet detailing by month through end of 2036 projected expenses, income and investments value. But nothing more sophisticated than that.



What's a "derailed model?" :wink:
by peppers
Fri Dec 26, 2014 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: How do you make important investment decisions?
Replies: 27
Views: 2815

Re: Incredibly poor/slow Vanguard service

Made me look.

In 1992 I transferred an IRA from a savings and loan to Vanguard.

Start to finish took 18 days.
by peppers
Fri Dec 26, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: [IRA transfer taking too long: Schwab to Vanguard]
Replies: 32
Views: 2490

Re: U.S. stocks in freefall

There are none No, shipmate Victoria, there are no freefalls on the other side of the brink, only cheap oil, and now everyone repeat after me: Cheap oil is good for ME. Yet there will be fluctuations, and maybe a black swan. :( Well, shipmate Chaz, that's why those in retirement (me) need to have a...
by peppers
Tue Dec 23, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222613

Re: U.S. stocks in freefall

As of this writing, the Dow is Seventeen Going on Eighteen , and thus has passed the dangerous threshold of You are sixteen going on seventeen Baby, it's time to think Better beware, be canny and careful Baby, you're on the brink Are there freefalls on the other side of the brink? Victoria I don't ...
by peppers
Tue Dec 23, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222613

Re: Vanguard's economic and investment outlook [2015]

Given the predicted low inflation environment (with deflationary pressures rising in Europe) over the next decade or so, how do folks feel about EE-bonds as a 20 year investment guaranteeing a 3.53% annualized return? I think there's the issue that you do not get the APR until you have held it for ...
by peppers
Sat Dec 20, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's economic and investment outlook [2015]
Replies: 21
Views: 3168

Re: handling large market drops

You have received some excellent suggestions. You may consider editing your topic to include - Australian Investor. There are several individuals that post here from "down under". :)
by peppers
Sat Dec 20, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: handling large market drops
Replies: 17
Views: 1839

Re: PSA: Distributions -- Why your fund dropped

"My Lady, no grave man could speak with better grace..."
by peppers
Fri Dec 19, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: PSA: Distributions -- Why your fund dropped
Replies: 14
Views: 1425

Re: Tracking growth of investment

Using my trusty TI-1795+ and tracking in my handy spiral notebook:

Start of the year balance less than end of the year balance: result happiness

Start of the year balance more than end of the year balance: result misery
by peppers
Fri Dec 19, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking growth of investment
Replies: 8
Views: 668

Re: Poll: Companies that permit after-tax non-Roth, 401k con

Yes, but I am counseling my son not to do it. Here I am, 35 years later and retired, and all of it is rolled to an IRA and commingled with other contributions that are tracked on an 8606 form. But if you had had the ability to or known that you should roll that money out to Roth IRA regularly, you'...
by peppers
Sun Dec 14, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Companies that permit after-tax non-Roth, 401k contrib
Replies: 23
Views: 1011

Re: Your Favorite Cookbook?

Taste of Home, the Ultimate Soup Cookbook

If you like it "hot", check out the Hearty Chipotle Chicken Soup.
by peppers
Sun Dec 14, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5806
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