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Re: U.S. stocks in freefall

And on a side note my grecian daisies and hyacinthus are finally blooming.
by peppers
Fri Apr 17, 2015 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1242
Views: 232710

Re: Poll: Effective average Adjusted Livesoft tax rate?

I'll play.
If I did the math correctly, 8.25% on $139300 ALI
by peppers
Wed Apr 15, 2015 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 49
Views: 3091

Re: Favorite Boglehead Avatar?

LadyGeek

P.S. Yes, this is blatant and shameless schmoozing.
by peppers
Sat Apr 11, 2015 8:08 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4534

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
Sat Apr 04, 2015 10:56 am
 
Forum: Investing - Theory, News & General
Topic: 401k - Should I stay or should I go?
Replies: 4
Views: 605

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
Fri Apr 03, 2015 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle says: "Active mutual funds could disappear:
Replies: 28
Views: 3404

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
Sat Mar 28, 2015 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: The random stock portfolio bogey - beating the monkey
Replies: 150
Views: 8704

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
Wed Mar 25, 2015 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: What Happens When Vanguard Owns Everything?
Replies: 19
Views: 4888

Re: Vanguard - The New Bond King - WSJ

Let's see

Google search worked
by peppers
Tue Mar 17, 2015 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4344

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
Tue Mar 17, 2015 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Savannah
Replies: 26
Views: 2949

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
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: 1780

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
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: 5119

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 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wait till June Fed meeting before adding to VBTLX?
Replies: 17
Views: 1164

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 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4751

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 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6342

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
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: 4420

Re: Boglehead degree status

Going on four years in Pre-K. Professor Siri's homework assignments are tough.
by peppers
Fri Mar 06, 2015 6:55 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 5080

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: 2068

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: 2068

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: 5189

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: 730
Views: 97348

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: 730
Views: 97348

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: 7072

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: 6413

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: 13677

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: 1295

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: 10400

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: 10400

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: 5955

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: 838

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: 838

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: 10400

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: 1881

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: 10669

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: 10669

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: 10669

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: 9534

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: 10669

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: 10669

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: 3372

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: 52
Views: 4171

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: 2468

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: 1242
Views: 232710

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: 1242
Views: 232710

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: 7911

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: 2793

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: 3445

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: 8320
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