Search found 1197 matches

by peppers
Thu Aug 18, 2016 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: How to determine cost of 401k
Replies: 9
Views: 344

Re: How to determine cost of 401k

To the OP

The SPD should disclose all fee information. In our plan we can view online and also request a hard copy mailed to your address on record.
by peppers
Thu Aug 18, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to determine cost of 401k
Replies: 9
Views: 344

Re: How to determine cost of 401k

Watty wrote:I don't know what an "SPD" is but I would ask your HR or payroll department for more information on the 401K and which funds are in it. The rules changed a few years ago so they have to disclose the costs a lot better now.


SPD Summary Plan Description :)
by peppers
Tue Aug 16, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 97
Views: 6748

Re: Anyone else getting nervous and converting to cash as a short-term move?

Not at all.

However, when my lovely wife, daughter and granddaughter go to the mall, I experience a certain ....foreboding.
by peppers
Sun Aug 14, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding 401(k) Contribution Limits
Replies: 10
Views: 1070

Re: Understanding 401(k) Contribution Limits

Unless Bob is over 50 years of age. Catch up contributions allow up to $24,000.00 deferred.
by peppers
Sun Aug 14, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: New Vanguard ONE App
Replies: 22
Views: 2464

Re: New Vanguard ONE App

Mudpuppy, your message does not go unheeded.
by peppers
Sat Aug 06, 2016 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: What's your best "set and forget" option?
Replies: 3
Views: 567

Re: What's your best "set and forget" option?

Another option might be Fidelity's Four-In-One-Index Fund. (FFNOX)
by peppers
Sun Jul 31, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: The actual meaning of "expected return"
Replies: 57
Views: 2317

Re: The actual meaning of "expected return"

nisiprius wrote:
Now, in investing, we never know the true probability of anything.


Respectfully, I believe you have answered your own question. :)
by peppers
Tue Jul 26, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 6022

Re: 4% rule - Asset Allocation

dbr wrote: You don't not replace your roof because the cost does not fit inside a 3.895% withdrawal rate.


Exactly, score one for dbr.
by peppers
Sat Jul 23, 2016 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 6022

Re: 4% rule - Asset Allocation

A perspective on withdrawal rates from Vanguard.

https://institutional.vanguard.com/VGAp ... Retirement
by peppers
Sat Jul 23, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Collective Investment Trust - clarification
Replies: 0
Views: 115

Collective Investment Trust - clarification

The CIT is an investment grade bond fund and not an SEC-registered 40 Act fund. From the 401k Summary Plan Description: The index is comprised of investment grade bonds consisting of U.S Treasury, U.S. Agency and domestic corporate bonds, in addition to U.S. dollar-denominated bonds issued by foreig...
by peppers
Mon Jul 18, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 73
Views: 7387

Re: Gardening 2016

I have been harvesting cucumbers, bell peppers and roma tomatoes for about two weeks now. Nothing like a fresh garden salad. I gave some zucchini to my granddaughter to make some zucchini bread. We will see if grandpa gets a sample. The jalapenos are going like gangbusters and we have been using the...
by peppers
Sat Jul 16, 2016 8:18 am
Forum: Investing - Theory, News & General
Topic: "John Bogle Gets the Last Laugh"
Replies: 8
Views: 2180

Re: "John Bogle Gets the Last Laugh"

I hit the link to the article and the picture of John Bogle pops up on my screen. The very first thing that pops into my head is "Who's laughing now, Ned?"
by peppers
Thu Jul 14, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 64
Views: 3787

Re: Passwords

I'm a technologically challenged old man. For my financial accounts, I use usernames that make no sense and use all of spaces available and passwords that use letters, numbers, and special characters for all of the spaces available. I have to consult my handwritten notes to log on because I can't r...
by peppers
Sun Jul 10, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 23889

Re: Where were you financially when you were at 30?

At 30,

married, mortgage had 3 children and number 4 was on the way, 401k and IRA's were being funded but no clue what net worth was.

Now, early 60's, empty nesters, a year or two from retiring, comfortable, and still don't know what net worth currently is. :)
by peppers
Sat Jul 09, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: SS benefit question
Replies: 26
Views: 1149

Re: SS benefit question

ObliviousInvestor wrote:sscritic emailed me with a good summary of a Social Security terminology point: “Once your husband dies, you are no longer his wife, you are his widow.”


Valid point

:wink: Siri
by peppers
Fri Jul 08, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 4865

Re: Fidelity customers: Have you experienced pressure to buy active funds?

Globalmegacorp moved our 401k plan over to Fidelity about 20 years ago. Other than the usual end of year, "Are you considering retiring soon?" call there has been no sales pressure.
by peppers
Fri Jul 01, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: EE Savings Bonds through payroll deduction
Replies: 16
Views: 1189

Re: EE Savings Bonds through payroll deduction

I've redeemed EE Savings Bonds at my local bank without any issues.
by peppers
Fri Jul 01, 2016 5:36 pm
Forum: Forum Issues and Administration
Topic: What happens when you speak in TICKER language.
Replies: 30
Views: 3114

Re: What happens when you speak in TICKER language.

Phineas J. Whoopee wrote:Traditional, Investable, Common-stock, Kickstarter-free, Enhancing-of-wealth Ratatouille?
PJW


Clever

Ticker speak. My old English composition teacher, Ms. Kerplutznick is probably shaking her head in disbelief.
by peppers
Fri Jun 24, 2016 4:36 pm
Forum: Investing - Theory, News & General
Topic: "What Investors Should Be Thinking Right Now" (humor with a point)
Replies: 5
Views: 1147

Re: "What Investors Should Be Thinking Right Now" (humor with a point)

Investor's in their 60's

..."Now leave me alone, NCIS is starting."

Nailed it. :)
by peppers
Fri Jun 24, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: BREXIT - Invest tomorrow?
Replies: 68
Views: 10032

Re: BREXIT - Invest tomorrow?

Sunshine, blue skies and sitting on my deck drinking my morning coffee..... I've just been given a memo from my DW. "The lawn looks a little shaggy. Take care of it." There goes my morning................. Update: Finished manicuring the lawn per executive order. So, anything else going o...
by peppers
Fri Jun 24, 2016 7:10 am
Forum: Investing - Help with Personal Investments
Topic: BREXIT - Invest tomorrow?
Replies: 68
Views: 10032

Re: BREXIT - Invest tomorrow?

Sunshine, blue skies and sitting on my deck drinking my morning coffee.....

I've just been given a memo from my DW. "The lawn looks a little shaggy. Take care of it."

There goes my morning.................
by peppers
Sat Jun 18, 2016 7:55 am
Forum: Personal Finance (Not Investing)
Topic: cost of raising kids. BHs experience through college
Replies: 76
Views: 4454

Re: cost of raising kids. BHs experience through college

I listen to my younger friends complaining about pre-school and diaper costs and just laugh and tell them that once they're in high school and college, those costs are going to look like chump change. Expect car insurance to double when the kid gets a license. Expect the kid to get in at least one ...
by peppers
Wed Jun 15, 2016 5:30 pm
Forum: Investing - Theory, News & General
Topic: 60:40 is dead: Charles Sizemore
Replies: 51
Views: 6137

Re: 60:40 is dead: Charles Sizemore

Interesting perspective, thanks for sharing Kevin.

Of course, if I had $36 billion to play with I might be inclined to try something "different".
by peppers
Fri Jun 10, 2016 5:07 pm
Forum: Forum Issues and Administration
Topic: What happened? (Forum was down for hours)
Replies: 20
Views: 2284

Re: What happened? (Forum was down for hours)

Considering this is a financial website, I'm going to put the blame on those pesky Gnomes of Zurich.
by peppers
Sun Jun 05, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: What are the biggest criticisms about the Boglehead way?
Replies: 243
Views: 21577

Re: What are the biggest criticisms about the Boglehead way?

I agree with sschullo about "braggin' rights." When the inevitable discussion about investments starts, I mention that I use index funds and get the deer in the headlight look. The group then splits up and I am left standing alone drinking my coffee...... :wink: Attend a AAII meeting. Its...
by peppers
Sun Jun 05, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: What are the biggest criticisms about the Boglehead way?
Replies: 243
Views: 21577

Re: What are the biggest criticisms about the Boglehead way?

I agree with sschullo about "braggin' rights." When the inevitable discussion about investments starts, I mention that I use index funds and get the deer in the headlight look. The group then splits up and I am left standing alone drinking my coffee...... :wink:
by peppers
Sun Jun 05, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9470

Re: Leave garage door open?

Human beings are a creative and determined bunch....if they have the will, they will find a way...
by peppers
Sat Jun 04, 2016 10:11 am
Forum: Investing - Theory, News & General
Topic: Recession hitting within next twelve months...
Replies: 31
Views: 4623

Re: Recession hitting within next twelve months...

OP

I know a guy...who has a source...confirmed by an unaffiliated associate... that the past seven years was just a warm up ....and the greatest bull market in history....will start in 2018....

Feel better now? :)
by peppers
Tue May 31, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 8784

Re: Would you pay 6x face value to see Hamilton on Broadway?

...happy wife...happy life and all that jazz....
by peppers
Sat May 28, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: "Why The Empty Nest Transition Is Crucial For Retirement Success" by Michael Kitces
Replies: 21
Views: 2419

Re: "Why The Empty Nest Transition Is Crucial For Retirement Success" by Michael Kitces

"Don't Count On It" In 2008 my daughter lost her job and came back home to regroup. We were empty nesters at that time and she went back to school to get her graduate degree. She found a part time job and attended evening classes. She succeeded and went back out on her own. Around that tim...
by peppers
Fri May 27, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) withdrawal period
Replies: 4
Views: 399

Re: 401(k) withdrawal period

It is interesting that the plan specifies 15 years. Reviewing my 401k SPD (Summary Plan Description) my options are Full Lump Sum, Partial Distribution, and Annual Installments. Regarding Annual Installments ...."as long as the number of installments does not exceed the number of years remainin...
by peppers
Fri May 27, 2016 10:29 am
Forum: Investing - Theory, News & General
Topic: WSJ article: Illinois pension fund adopting Boglehead philosophy
Replies: 19
Views: 2586

Re: WSJ article: Illinois pension fund adopting Boglehead philosophy

It's complicated.

Here is a link with a discussion regarding the pension funding issues.

http://chicagotonight.wttw.com/2016/01/ ... ion-system
by peppers
Fri May 20, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Food waste because of date labeling
Replies: 26
Views: 1741

Re: Food waste because of date labeling

Same things with drugs. They did a study and found 10 years after the expiration date most drugs were still effective. Certain antibiotics were an exception. Some were even potent after 40 years! Speaking of drugs ... I won't go into the medical details, but I intermittently take an expensive presc...
by peppers
Fri May 20, 2016 8:12 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20015

Re: Is there a such thing as a blue collar Boglehead?

My net worth?

One loving wife
Four wonderful children
Three beautiful grandchildren

I've won the game.
by peppers
Fri May 20, 2016 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Retired: Rolling a 401
Replies: 4
Views: 525

Re: Retired: Rolling a 401

roundhouse wrote:I just retired and plan on rolling a 401 with Wells Fargo. Pretty conservative. $232,000. Thinking about Vanguard. Any suggestions on funds?


..."pretty conservative"....

Well. you could look at Vanguard Life Strategy Conservative Growth Fund. The ticker symbol is VSCGX
by peppers
Fri May 20, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Adding a differnet Bond fund to my retirement account?
Replies: 6
Views: 508

Re: Adding a differnet Bond fund to my retirement account?

Respectfully,

I would pass on the non Vanguard funds and quite frankly I do not see a reason to add a fifth bond fund.
You did ask for opinions. :)
by peppers
Fri May 20, 2016 4:31 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20015

Re: Is there a such thing as a blue collar Boglehead?

Going through my wardrobe I find I don't have a lot of collared shirts.
deleted link
by peppers
Thu May 19, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 5425

Re: Emergency Preparedness

BTW, fire is the disaster than I am most worried about. There really is no sheltering in place for a fire. I might have to swim out into the middle of a large pond with a snorkel for that. Head for the water. That's what the good citizens of Pompeii thought when they saw the pyroclastic flow coming...
by peppers
Thu May 19, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 5425

Re: Emergency Preparedness

Anyone live near a nuclear power plant? Have you considered your options in an EMP attack?
by peppers
Wed May 18, 2016 6:00 am
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 4066

Re: Did your children ever completely move out?

Nothing was left in the house but moving along to the garage we find 2 motors, a transmission, a 2-1/4 ton lift......
by peppers
Tue May 17, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Some days still not sure I made the right choice
Replies: 49
Views: 8317

Re: Some days still not sure I made the right choice

I will find my way and this part time job has really helped. It really isn't that I made a wrong choice it's more adapting to a new style and new journey in life. I get home now from work and I'm tired physically not mentally and it feels good even when ever muscle in my body hurts. Lol Thanks for ...
by peppers
Sun May 15, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1835
Views: 419849

Re: What Movie Have You Recently Watched?

In the Heart of the Sea directed by Ron Howard The story begins in 1850 with the young writer Herman Melville interviewing the last survivor of the ill fated whaling ship Essex lost at sea in the 1820's. A tale of hardship and survival and how far men can be pushed to go on and on. This was the insp...
by peppers
Sat May 14, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: treasurydirect.gov is not a secure website?
Replies: 15
Views: 1934

Re: treasurydirect.gov is not a secure website?

Using Chrome....

..."was loaded over a secure connection but contains a form which targets an insecure endpoint."

Check under details.
by peppers
Sat May 14, 2016 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Do all Boglesheads die at 100?
Replies: 51
Views: 6333

Re: Do all Boglesheads die at 100?

Interesting thought experiment

"Honey, if we are going to have another baby, we better start now. You are 290 years old and you know what they say about conception after 300."
by peppers
Fri May 13, 2016 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you stand on the age old debates?
Replies: 19
Views: 2090

Re: Where do you stand on the age old debates?

1. A slight lean to the right with mid caps.

3. Age in bonds

6. Work in retirement? That does not compute.

7. I secretly long for the PE10 > 30 threads.
by peppers
Sun May 08, 2016 6:14 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 3686

Re: Happy Birthday Mr. Bogle! May 8, 2016

...vivere una vita lunga...salutiamo
by peppers
Sat May 07, 2016 9:52 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 134
Views: 140513

Re: test post

cheese_breath wrote:
in_reality wrote:test response

test conflict with test response.


test conflict resolution
by peppers
Sat May 07, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: BUFFETT: This is the most important investment lesson in the world
Replies: 13
Views: 3343

Re: BUFFETT: This is the most important investment lesson in the world

JMacDonald wrote:I wonder what the investors in that hedge fund think of that bet?



Good point.

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