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by peppers
Thu May 21, 2015 9:05 pm
Forum: Forum Issues and Administration
Topic: Forum operating really slowly.
Replies: 10
Views: 613

Re: Forum operating really slowly.

It's working fine on my chromebook
by peppers
Fri May 08, 2015 6:11 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 1918

Happy Birthday John C. Bogle !

[Thread merged into here, see below. --admin LadyGeek]

"...altri centro anni..."
by peppers
Sun May 03, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9354

Re: Will you buy self-driving car?

So, when your self driving car malfunctions and breaks down on the highway, do you contact a mechanic or tech support?
by peppers
Sun May 03, 2015 1:05 pm
Forum: Investing - Theory, News & General
Topic: New [marketing approach] by Fidelity, 401K custodian of many
Replies: 23
Views: 1742

Re: New, potentially colossal scam, by Fidelity, 401K custodian of many

I just logged in to my account and did not see what you describe. However, for the past two months when I view my account an ad comes up offering the services of an investment advice company founded by a winner of the Nobel Memorial Prize.
by peppers
Sat May 02, 2015 9:14 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1560

Re: Forum Functionality From the Index Page

Quick links on the left.
by peppers
Sat May 02, 2015 8:53 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1560

Re: Lost ability to change font size

stlutz wrote:Ctrl+ and Ctrl- work fine for me.


Interesting. I can now hold my Chromebook at arms length and read posts. It solved the gap issue as well. Thank you.
by peppers
Sat May 02, 2015 8:29 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 4059

Re: Best Chromebook 2015

IPad @ work, Acer Chromebook @ home. I don't do Windows or windows. :)
by peppers
Fri May 01, 2015 7:13 pm
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4742

Re: Oh yuck, what just happened to the font?

LadyGeek, are you familiar with the term "casual Friday" ? :wink:
by peppers
Sun Apr 26, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1629

Re: Cost to deliver a baby today?

Interesting Our last child was born in 1985. My wife and daughter were in the hospital 3-4 days? No extraordinary circumstances and the bill was ~$3000 paid for by employer provided insurance. My only out of pocket expense was $3.00 for the television. The hospital was located near the downtown area...
by peppers
Sat Apr 25, 2015 8:27 am
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4793

Re: Who follows Age in Bonds

Averaging our ages...yep...we are spot on age in bonds.
by peppers
Sat Apr 25, 2015 8:20 am
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3791

Re: What is too long to stay the course?

NASDAQ..."the stock market for the next hundred years."

Remember that ad?
by peppers
Tue Apr 21, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Records to Keep
Replies: 8
Views: 1001

Re: Vanguard Records to Keep

Better to have it and not need it than to need it and not have it.
by peppers
Fri Apr 17, 2015 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249761

Re: U.S. stocks in freefall

And on a side note my grecian daisies and hyacinthus are finally blooming.
by peppers
Wed Apr 15, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 67
Views: 5315

Re: Poll: Effective average Adjusted Livesoft tax rate?

I'll play.
If I did the math correctly, 8.25% on $139300 ALI
by peppers
Sat Apr 11, 2015 8:08 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5380

Re: Favorite Boglehead Avatar?

LadyGeek

P.S. Yes, this is blatant and shameless schmoozing.
by peppers
Sat Apr 04, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: 401k - Should I stay or should I go?
Replies: 4
Views: 627

Re: 401k - Should I stay or should I go?

If your plan allows in-service distributions, an IRA could offer a wider array of investment options and possibly lower costs.
by peppers
Fri Apr 03, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Bogle says: "Active mutual funds could disappear:
Replies: 28
Views: 3562

Re: Bogle says: "Active mutual funds could disappear:

As long as monkeys can throw darts, we will have MPT.

Monkey Portfolio Trust.....has a certain cache'......
by peppers
Sat Mar 28, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: The random stock portfolio bogey - beating the monkey
Replies: 150
Views: 9622

Re: The random stock portfolio bogey - beating the monkey

Since monkeys are global, I wonder if they would exhibit a home country bias.
by peppers
Wed Mar 25, 2015 8:22 pm
Forum: Investing - Theory, News & General
Topic: What Happens When Vanguard Owns Everything?
Replies: 19
Views: 5080

Re: What Happens When Vanguard Owns Everything?

brockman wrote:Perhaps BlackRock will buy Fidelity. Just guessing that it could be a reasonable possibility.


Re: What will be the biggest investment surprises of 2015?
Postby peppers » Sat Jan 03, 2015 4:01 pm

BlackRock and Fidelity will merge. :)
by peppers
Tue Mar 17, 2015 9:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4481

Re: Vanguard - The New Bond King - WSJ

Let's see

Google search worked
by peppers
Tue Mar 17, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: Savannah
Replies: 28
Views: 3556

Re: Savannah

viewtopic.php?f=11&t=87511

Here are some suggestions from BH's when we visited Savannah a few years ago.
by peppers
Mon Mar 16, 2015 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Did you buy a house because of low interest rate?
Replies: 25
Views: 1911

Re: Did you buy a house because of low interest rate?

We bought our house 32 years ago. The mortgage was a 30 year fixed @ 12.25 and the first born male child.
by peppers
Sun Mar 15, 2015 4:51 pm
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 5336

Re: Dividends vs. Total Return?

Bogleheads: Vanguard has done research on the subject of dividends vs. total return. Their conclusion: We conclude that moving from an income or “yield” focus to a total-return approach may be the better solution. Total-return investing: An enduring solution for low yields Best wishes. Taylor Taylo...
by peppers
Sat Mar 07, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Wait till June Fed meeting before adding to VBTLX?
Replies: 17
Views: 1224

Re: Wait till June Fed meeting before adding to VBTLX?

Someone can correct me if I am wrong but IIRC, the last time the Fed "raised" rates was in 2006?...that's a long wait and see.
by peppers
Sat Mar 07, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 5169

Re: How long did you stay in your starter home?

33 years and the nest is empty. The children are all married and have their own nests.
by peppers
Sat Mar 07, 2015 12:52 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6669

Re: interest rate increase looming. what you gonna do ?

If rates rise in the spring I will be getting the vegetable garden ready.

If rates rise in the summer I will be maintaining the vegetable garden.

If rates rise in the fall I will be harvesting from the vegetable garden.

Its all according to the vegetable plan.
by peppers
Sat Mar 07, 2015 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4710

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

Last week....let's see....

Bought some US Total Market

Bought some EAFE

Bought some Intermediate Investment grade bonds

Bought some US Mid-Small

Bought some International Intermediate Investment grade bonds

That's about it I think.
by peppers
Fri Mar 06, 2015 6:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 5646

Re: Boglehead degree status

Going on four years in Pre-K. Professor Siri's homework assignments are tough.
by peppers
Sat Feb 28, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: Thought for the Day: Invest Logically
Replies: 18
Views: 2156

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 8:32 am
Forum: Investing - Theory, News & General
Topic: Thought for the Day: Invest Logically
Replies: 18
Views: 2156

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
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: 5362

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
Sun Feb 22, 2015 9:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 119242

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 2:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 119242

Re: What Movie Have You Recently Watched?

American Sniper
by peppers
Sat Feb 21, 2015 10:28 am
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 7431

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
Thu Feb 12, 2015 5:44 pm
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6720

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
Sun Feb 08, 2015 1:58 pm
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 14174

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
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: 1381

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
Thu Feb 05, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10867

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
Tue Feb 03, 2015 6:57 pm
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10867

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 6:46 pm
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6218

Re: What to buy sweetie for Valentine's Day

Hire a Chippendales dance crew to do some house work.
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: 854

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 10:33 pm
Forum: Investing - Theory, News & General
Topic: Minimun number of stocks required in an equity fund
Replies: 10
Views: 854

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 7:38 pm
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10867

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 3:32 pm
Forum: Investing - Theory, News & General
Topic: Overweighting REIT: Thought Experiment
Replies: 16
Views: 1937

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
Sun Feb 01, 2015 7:40 am
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 11148

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
Sat Jan 31, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 11148

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 3:15 pm
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 11148

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

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