Search found 1166 matches

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: 2197

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: 331

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: 2304

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: 1579

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: 149
Views: 11806

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: 476

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: 456

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: 149
Views: 11806

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. More along the lines of something like this: http://www1.macys.com/shop/product/polo-ralph-lauren-cotton-crew-neck-sweatshirt?ID=2436193&CategoryID=4286&tdp=cm_app~zMCOM-NAVAPP~xcm_zone~zPDP_ZONE_A~xcm_choiceId~zcidM05RR...
by peppers
Thu May 19, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 4874

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: 4874

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: 3743

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: 7785

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: 1637
Views: 342104

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: 1759

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: 5896

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: 1931

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: 3192

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: 129
Views: 138438

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: 3174

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.
by peppers
Sat May 07, 2016 5:35 pm
Forum: Forum Issues and Administration
Topic: Is the smiley face angry?
Replies: 12
Views: 1626

Re: Is the smiley face angry?

cheese_breath wrote:Any bets on which one Lady Geek will use when she locks the thread? :shock: :confused :thumbsup :?: :thumbsdown :?:


:annoyed
by peppers
Fri May 06, 2016 9:30 pm
Forum: Investing - Theory, News & General
Topic: Why did Peter Bernstein denounce the 60/40 Solution
Replies: 27
Views: 3779

Re: Why did Peter Bernstein denounce the 60/40 Solution

From Don't Count on It by John Bogle p.576 Nonetheless, when in 2003 he declared that "Policy Portfolios Are Obsolete" - favoring instead a policy of short-term opportunism using many unconventional asset classes- I fear that my elbows may have been a bit sharp, and I fired back. In a spee...
by peppers
Sat Apr 30, 2016 8:20 am
Forum: Investing - Theory, News & General
Topic: What's a typical pension funding % ?
Replies: 30
Views: 3612

Re: What's a typical pension funding % ?

Hi packet For comparison, here is the breakdown for my globalmegacorp plan. Stock Domestic ..............32% Stock International...........9% Investment Grade Debt.....27% High Yield......................2% Real Assets.....................9% Other...........................21%* 2015 Funding Level wi...
by peppers
Fri Apr 29, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7122

Re: So, are Bogleheads Bourbon or Scotch drinkers?

I gave up the nectar of the gods a long time ago. However, an occasional Dad's Old Fashioned Root Beer hits the spot.
by peppers
Fri Apr 29, 2016 7:22 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 105
Views: 8168

Re: Selling in May and Walking Away?

I wonder what Sudhi is up to these days... this character is from before my time (going back to the diehards days), so i couldn't resist a little folkloric research. s/he showed up here after the move and started a couple of... interesting threads: The markets are in their unfavorable season! The p...
by peppers
Thu Apr 28, 2016 6:55 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 105
Views: 8168

Re: Selling in May and Walking Away?

"Stay the Course!"

Signed by John C. Bogle in the book Common Sense on Mutual Funds in 2013

P.S. I couldn't resist :happy
by peppers
Sat Apr 23, 2016 9:40 am
Forum: Investing - Theory, News & General
Topic: Is Coffeehouse Portfolio Not Preferred by BHs?
Replies: 54
Views: 5911

Re: Is Coffeehouse Portfolio Not Preferred by BHs?

Grt2bOutdoors makes a good point about available funds in a 401k. When my company's plan started in 1979 the choices were 1) company stock and 2) guaranteed interest fund or GIC's as they were called. There were no small, value and REIT's in the plan. Investing in international would not come around...
by peppers
Sat Apr 23, 2016 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Million? [Will I get there]
Replies: 41
Views: 5524

Re: Million? [Will I get there]

Kirk You are doing well. Having $500k in an IRA before age 50 is not bad at all. Most Americans don't have that much saved and I would be willing to wager that most Americans don't even have an IRA.
by peppers
Fri Apr 22, 2016 7:55 pm
Forum: Investing - Theory, News & General
Topic: Is Coffeehouse Portfolio Not Preferred by BHs?
Replies: 54
Views: 5911

Re: Is Coffeehouse Portfolio Not Preferred by BHs?

I google prexnix :confused and see ....."chicken smoothie?".....
by peppers
Mon Apr 18, 2016 7:28 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 656
Views: 20648

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

^^^ ..."all glory is fleeting"... :wink:
by peppers
Sun Apr 17, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: Stock picking services
Replies: 39
Views: 2463

Re: Stock picking services

Go ahead. Trade. Back in Ye Olde Days I was a young buck eager to trade individual stocks and mutual funds. I had some success but more often than not I ended up having my head handed to me. Repeatedly. I got religion and moved to the Church of Vanguard around 1991-1992. Thank the heavens that a bro...
by peppers
Sun Apr 17, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Refund (Where Did It Go)
Replies: 21
Views: 1324

Re: Tax Refund (Where Did It Go)

Vanguard Total Stock Market
by peppers
Sun Apr 17, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 59656

Re: Free Windows 10 Upgrade, Yes or No?

Just finished reading this entire thread. Interesting. My wife did the 7 to 10 upgrade several months ago and everything went well. Recently, her ability to use the wifi printer has become iffy. She had to play the reinstall printer drive game on two occasions. FWIW, I use an IPad at work and a Chro...
by peppers
Fri Apr 15, 2016 3:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Lures More Funds Than All U.S. Rivals Combined
Replies: 12
Views: 1284

Re: Vanguard Lures More Funds Than All U.S. Rivals Combined

That's great for Vanguard.

But, let's not overlook the other 800 lb. gorilla in the room. BlackRock.

Disclaimer: I have funds with both gorillas. :)
by peppers
Tue Apr 12, 2016 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 3830

Re: Experience with Fidelity?

My last employer used Fidelity for their stock option & restricted stock grants. This started back in 2006 before I ever heard of Bogleheads so I just put my Rollover IRA and Roth IRA there also. I ended up buying Spartan index funds right after the great recession and have: ⋅ FSTVX (...
by peppers
Tue Apr 12, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5630

Re: The Lawn vs. The Homeowner (guess who's winning)

Ha, I have bamboo, running bamboo. About a 1/4 acre of it. Planting running bamboo is like getting into a ground war in south east Asia. Every spring I get out a chainsaw and begin the assault. The fight is constant and the enemy never sleeps. Through the summer I battle on taring through clump aft...
by peppers
Thu Apr 07, 2016 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return in Fidelity 401k account
Replies: 6
Views: 910

Re: Rate of return in Fidelity 401k account

Returns less than 12 months are not annualized. Cumulative returns would be last month, last quarter, YTD as of 04/06/2016 Assuming Fidelity formats all 401k plans the same, from the home page of 401k, go to Investment Performance and Research. Go to Your Investment Performance. Click on "How t...
by peppers
Wed Apr 06, 2016 9:28 pm
Forum: Investing - Theory, News & General
Topic: [DOL Rule on Fiduciary Standard is Released]
Replies: 105
Views: 5675

Re: [DOL Rule on Fiduciary Standard is Released]

^^^ The wiki has some background info: Investment adviser (Investment adviser firm, last 2 paragraphs) Here's the one registered in Malvern PA - VANGUARD GROUP INC (CRD# 105958) A $10k fine and $9.4m in restitution......ouch It is hard to read but the restitution amount is not millions ! :shock: WI...
by peppers
Wed Apr 06, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return in Fidelity 401k account
Replies: 6
Views: 910

Re: Rate of return in Fidelity 401k account

Look for the "Since Date Purchased" column under Annualized return tab.
by peppers
Wed Apr 06, 2016 8:34 pm
Forum: Investing - Theory, News & General
Topic: [DOL Rule on Fiduciary Standard is Released]
Replies: 105
Views: 5675

Re: [DOL Rule on Fiduciary Standard is Released]

LadyGeek wrote:^^^ The wiki has some background info: Investment adviser (Investment adviser firm, last 2 paragraphs)

Here's the one registered in Malvern PA - VANGUARD GROUP INC (CRD# 105958)


A $10k fine and $9.4k in restitution......ouch
by peppers
Wed Apr 06, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investing during recession
Replies: 32
Views: 2532

Re: Investing during recession

As a Boglehead, nothing should change. Greed and Fear are the investor's worst enemy. Pick an AA between stocks and bonds that enables you to sleep in Bull and Bear markets. John Bogle has often said "I have said Stay the Course thousands of times and meant it every time"! Stay the Course...
by peppers
Sun Apr 03, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3385

Re: Breaking concrete

If you are 5" below grade and remove 6" of concrete you will need a lot dirt. You do not know what you will find below the concrete and when you're done it has to be level with the yard. You could end up with a small pond every time it rains, excellent breeding ground for mosquitoes.
by peppers
Sun Apr 03, 2016 7:56 pm
Forum: Investing - Theory, News & General
Topic: How many basis points matter to you?
Replies: 36
Views: 2464

Re: How many basis points matter to you?

triceratop wrote:
peppers wrote:Didn't ol' Ben Franklin say "a basis point saved is a basis point earned.....or something like that.


Yes he did, but if you have only $100 saved for retirement you may have bigger problems than the 1bp expense ratio.


True, but compounded over ~250 years.... :)
by peppers
Sun Apr 03, 2016 7:36 pm
Forum: Investing - Theory, News & General
Topic: How many basis points matter to you?
Replies: 36
Views: 2464

Re: How many basis points matter to you?

Didn't ol' Ben Franklin say "a basis point saved is a basis point earned.....or something like that.
by peppers
Sun Apr 03, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1189

Re: TIPs to Stable Value––Good Idea?

Hi teacher

If I am reading you correctly, you would end up with 100% of your fixed income in a stable value fund. If true, would you be comfortable with that position going forward?
by peppers
Sun Apr 03, 2016 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: is foreign investing really worth it
Replies: 90
Views: 5739

Re: is foreign investing really worth it

Respectfully

Over the years and reading through various posts about when to invest, the phrase "buy when there's blood in the streets."

Well...Europe comes to mind.
by peppers
Sun Apr 03, 2016 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: is foreign investing really worth it
Replies: 90
Views: 5739

Re: is foreign investing really worth it

So, I am filling up my car at the local BP gas station. A Toyota Camry pulls up and the driver gets out and proceeds to fill up his car. While waiting, he is chatting on his Samsung phone and eating a Nestle chocolate bar. Hmmm..................
by peppers
Sun Apr 03, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Point-of-sale card terminals now offering only ≥$10 cash back choice: everywhere?
Replies: 7
Views: 509

Re: Point-of-sale card terminals now offering only ≥$10 cash back choice: everywhere?

Getting back $5 or $10 is not an issue for me. It is when I need the benjamins, then it is a trip to the bank.

Go to advanced search