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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: 2909

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: 1596

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: 1346

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: 626

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: 978

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: 60
Views: 4134

Re: Deductions!

g$$ wrote:Maybe I could get pregnant and have a baby too. :)


Or, get married. Find a spouse with 6 dependents*

*This assumes of course, that your new spouses' ex-spouse is no longer with us.
by peppers
Sat Dec 13, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Deductions!
Replies: 31
Views: 2582

Re: You folks think [a market crash] is coming?

I have no idea, but if it does....

"These are the times that try men's souls." Thomas Paine
by peppers
Sat Dec 13, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5701

Re: any studies of real-world retirement outcomes?

LOL I think I'll take a break to after Christmas, I'm scared that if I buy a Christmas gift for the grandkids I'll stress about not having enough for retirement. have a great holiday. Spoiling Grandchildren Code Of Federal Regulations Title 53 Chapter 25 "...activity is deemed appropriate duri...
by peppers
Thu Dec 11, 2014 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: any studies of real-world retirement outcomes?
Replies: 20
Views: 1877

Re: What is your opinion about "tilting?"

I don't tilt, inertia and laziness are my key attributes.
by peppers
Tue Dec 09, 2014 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 8778

Re: Have you ever been let go?

chaz wrote:
obgyn65 wrote:My answer to the OP's question is no.

Ditto.


Double Ditto
by peppers
Tue Dec 09, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5493

Re: BOGLEHEAD CONTEST -- November 2014

"It ain't over 'til it's over." Yogi Berra :wink:
by peppers
Tue Dec 09, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November 2014
Replies: 14
Views: 2108

Re: Investing Magazines

On these cold and blustery winter nights, I like to make a nice hot cup of hazelnut coffee, get a warm blanket and snuggle up on the couch and peruse the latest IRS publications. 'Tis the season....
by peppers
Sun Dec 07, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 29
Views: 2249

Re: how to join nylon webbing?

Perhaps monofilament line would work.
by peppers
Sun Dec 07, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: how to join nylon webbing?
Replies: 26
Views: 1747

Re: [Why did my fund suddenly drop in value?]

LadyGeek wrote:Someone remind me in December. :)



....ahem...
by peppers
Fri Dec 05, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 137
Views: 12100

Re: Where do you shop for groceries?

Marianos We had the grandkids spending some time with us for a few days and took them grocery shopping. When we took them to the gelato bar my granddaughter said, "...we don't have a gelato bar in our store." And when they saw the free samples of tiramisu cupcakes, they descended upon them...
by peppers
Thu Dec 04, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 6080

Re: [Poll] What's Your Tax Prep Strategy?

We use the free file family CPA.

:wink: Siri
by peppers
Tue Dec 02, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 64
Views: 3716

Re: "Where to Invest in 2015"

Perhaps, Taylor's "animal spirits" are stirring. :wink:
by peppers
Sun Nov 30, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: "Where to Invest in 2015"
Replies: 19
Views: 2776

Re: Turkeys predict crashes

I can see it now.

Turkey Timer Digest: The Turkey Weight (TW) has crossed the 30lb threshold. This is flashing the golden brown signal which means "it's done".
by peppers
Wed Nov 26, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Turkeys predict crashes
Replies: 1
Views: 429

Re: 60/40 edging my 95/5!

Along the same line, I tilt to small, read various investment outlooks, and spend time here on BH. My wife on the other hand, might spend 10 - 15 minutes a year looking over her balanced portfolio.

For the year, she is ~.5 ahead of me.

P.S. Sorry dear for dragging down our overall performance.
by peppers
Wed Nov 26, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: 60/40 edging my 95/5!
Replies: 8
Views: 2094

Re: Vanguard launches new offering ... [Vanguard merchandise

I ordered a hat and shirt on 11/18 and it arrived today. For some reason they included a five inch oblong white magnet with the letter V on it with Vanguard written below it.

P.S. I already have a book autographed by Mr. John Bogle. :D

P.P.S. And one book signed by Mr. Taylor Larimore. :D
by peppers
Fri Nov 21, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 13080

Re: Vanguard launches new offering ...

V

It reminds me of the television series about an alien invasion of earth.
by peppers
Wed Nov 12, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 13080

Re: astonishing performance of US markets vs others

Investors are not unhappy, they are just confused about their displacement from the reference point.
by peppers
Tue Nov 11, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 5277

Re: Assisted Living

If I may, My mother will be 93 and has been in assisted living for three months. She has balance issues and has been diagnosed to be in the early stages of dementia. The facility provides three meals a day, bathing assistance, housekeeping and laundry. They have a monthly planner with activities sch...
by peppers
Tue Nov 11, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2253

Re: Oil change costs--dealer vs other

Oil/filter change, fluid check and top off, wifi, and free coffee or cappuccino $14.95. No appointment necessary.
I like my dealer.
by peppers
Fri Nov 07, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2592

Re: For a 31.5 year old single guy, how am I doing?

[quote="bogledogle"]Hey Bogleheads, Long time lurker, and first time poster here. I always wonder how I am doing with my savings when compared to my peers in the California Bay Area. So here's goes all my financials: Marital Status: Single, 31.5 Years your call Yearly Income: ~140,000 ok T...
by peppers
Sun Nov 02, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: how am I doing?
Replies: 36
Views: 4236

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 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12728

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 10:09 am
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 24
Views: 2100

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 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: So do we care more about change in bond price or bond yield?
Replies: 178
Views: 14819

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 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 2036

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 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2530

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 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: What will you do during the next crash?
Replies: 63
Views: 4617

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 9:53 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 262
Views: 28887

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 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 14156

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 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 112
Views: 12960

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 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 112
Views: 12960

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 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 112
Views: 12960

Re: Vanguard Quarterly Dividends in September

December is coming..... :)
by peppers
Tue Sep 23, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5386

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 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4404

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 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7957

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 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: It appears that Ally Bank just increased their Savings Rate.
Replies: 11
Views: 2480

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 8:27 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1324

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 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4789

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 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 6309

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 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1939

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 8:02 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 5168

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 7:58 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 5168

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 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1863
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