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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: 66
Views: 5517

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: 66
Views: 5517

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: 66
Views: 5517

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: 5018

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: 4248

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: 7656

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: 2412

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: 1290

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: 4442

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: 6033

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: 1721

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: 4768

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: 4768

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: 1706

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: 6140

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: 6520

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: 1585

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: 7891

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: 3279

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: 622

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: 5862

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: 5185

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: 5100

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: 6140

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: 3207

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: 30435

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: 20
Views: 2732

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: 5263

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: 3682

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: 3682

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: 2237

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: 4587

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: 3837

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: 2463

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: 12966

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: 5616

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: 5735

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: 8680

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: 8680

Re: High end purses

Grt2bOutdoors wrote:How about a Chloe bag - it will only set you back a couple of grand! that's right - $2K for a bag. The choice is your's - a new Chloe bag or a new Target Retirement fund. :moneybag


Yeah, but women get free shipping on Chloe' from Nordstoms . :)
by peppers
Fri Jul 11, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12966

Re: High end purses

My daughter has a Michael Kors purse..... $300 - $400. And then there is always Coach and Prada.
by peppers
Fri Jul 11, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12966

Re: POLL: How Old is Your Newest Motor Vehicle? -- REVISED

Dave C. wrote:
pennstater2005 wrote:
peppers wrote:I voted in both polls. Old habits are hard to let go.


So did I.


So also, did I. But I grew up on the south side of Chicago...... Where we vote early and often. 8-)


North side and yes we do too. :wink:
by peppers
Wed Jul 09, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle? -- REVISED
Replies: 51
Views: 3081

Re: Advice for how to fund my wedding

Option 1 Congratulations and Good Luck to you.

P.S. My daughter is getting married in a few weeks and the stacks of benjamins are flowing. It's only money, right? :)
by peppers
Tue Jul 08, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2878

Re: Barbecue Set [Cooking tools]

This may or may not help

http://www.bestofbarbecue.com/

We have the Chili Pepper Grill Rack and it comes in handy for us.
by peppers
Tue Jul 08, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1190

Re: POLL: How Old is Your Newest Motor Vehicle? -- REVISED

I voted in both polls. Old habits are hard to let go.
by peppers
Tue Jul 08, 2014 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle? -- REVISED
Replies: 51
Views: 3081

Re: Neighbor's Fireworks

Only one neighbor shooting off fireworks? Hmmm..... Thursday night, the country club not far from us did their annual display. I watched from my deck and it was impressive. Friday night was even louder as my neighborhood exploded into a cacophony of sounds and brilliant displays in all directions. I...
by peppers
Sat Jul 05, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4545
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