Search found 1240 matches

by peppers
Sat Feb 25, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing frequency - Balanced funds
Replies: 8
Views: 429

Re: Rebalancing frequency - Balanced funds

Here is a link to a Vanguard paper on rebalancing. It might be of interest.

https://www.vanguard.com/pdf/icrpr.pdf
by peppers
Sat Feb 25, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k AA - no Total Market Fund option
Replies: 14
Views: 589

Re: 401k AA - no Total Market Fund option

I have to believe that if an individual is at 80/20 or 78/22 or 82/18 then they are close enough. Horseshoes and hand grenades and all that.
by peppers
Wed Feb 22, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 57
Views: 8210

Re: anguard opens special offices for $1 million clients

Interesting... Although personally, I've never even called Vanguard on the phone. Everything has been accomplished online or in the mail. Unless they're going to offer a place where I can make cash deposits, medallion signature guarantees on securities, or free coffee/pastries while I chat with a r...
by peppers
Wed Feb 22, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 104
Views: 6922

Re: For people who think the market is going to crash, where along the continuum are we?

I'm a total "newbie" to financial investment things. But I can perhaps look at it from the viewpoint of someone in Real Estate development, retired. Right now there's the tail end of a real estate bubble of sorts. But not so much as a "pop" that's coming but more like everything...
by peppers
Tue Feb 21, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3333
Views: 839418

Re: U.S. stocks in freefall

I'm selling all stock and buying cigars; time for a commodity play. I have the invoices where I paid $17.50 for Siglo VIs in 2008. This is the price for 2016 Siglo VIs. http://img.photobucket.com/albums/v17/earlcamembert/Siglo%20VI_zpszg0wox03.gif Cigars increase 10% a year if aged properly. I'm mo...
by peppers
Mon Feb 13, 2017 8:32 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 3804

Re: The Ned Said Effect strikes again

As my mentor told me many, many years ago..."although we may falter,we never fall." :happy
by peppers
Sun Feb 12, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 3804

Re: The Ned Said Effect strikes again

Ned, do you anticipate making any tactical moves prior to the end of the 1stQ 2017 ? :)
by peppers
Sun Feb 12, 2017 11:51 am
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 2826

Re: [Bogleheads Sites Are Ad-Free]

nisiprius wrote:Mel, how would ads affect our 501(c) status? The IRS officially recognizes the Bogleheads website as "educational" in nature.


That was my first thought when I saw this.
by peppers
Mon Jan 30, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 112
Views: 18439

Re: Vanguard's Wellesley Income fund is incredible

Yes, it is a good fund. However... You have been looking at historic performance. The problem with this is that it includes a very long bull market in bonds. However, interest rates are now low, and while they may or may not go up from here, they certainly cannot repeat the results from 1980 to 201...
by peppers
Sat Jan 28, 2017 12:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Year of the Rooster
Replies: 4
Views: 590

Year of the Rooster

Happy New Year to all our Chinese Bogleheads.

:wink: Siri
by peppers
Sat Jan 21, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard TR or balanced index fund???
Replies: 28
Views: 2034

Re: Vanguard TR or balanced index fund???

You say you are a "set it and forget it" kind of guy and 20-25 years until retirement. I would suggest going with the Balanced Index Fund for now. In the years to come, if you feel the need for some international exposure you can do it then. The Vanguard Life Strategy and Target Retirement...
by peppers
Sat Jan 21, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Help needed in my 401K investing
Replies: 13
Views: 1072

Re: Help needed in my 401K investing

If you are comfortable using VINIX and VEXAX in your proposed portfolio, then you are good to go. In the end, it all comes down to sticking to the plan. :)

We are a few decades older and have about 75% in Total Stock Market and 25% in Extended Market on the equity side.
by peppers
Mon Jan 16, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6491

Re: Disheartening to hear this about Vanguard

I started buying mutual funds in 1971. As livesoft says, there were no computers and you either did your income taxes by hand, or you paid an accountant to do them. When I started, I realized that cost records would be necessary if/when I sold shares. So, started a small ledger and list all the buy...
by peppers
Mon Jan 16, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6491

Re: Disheartening to hear this about Vanguard

I started buying mutual funds in 1971. As livesoft says, there were no computers and you either did your income taxes by hand, or you paid an accountant to do them. When I started, I realized that cost records would be necessary if/when I sold shares. So, started a small ledger and list all the buy...
by peppers
Sun Jan 15, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5279

Re: Flafship Reps

I watched a Vanguard broadcast discussion with CEO Bill McNabb and CIO Tim Buckley last night. Mr. McNabb stated that in 2016 Vanguard received close to 10 million phone calls. He went on to say that Vanguard was in the process of hiring 1700 new employees. We'll have to see how this will all play o...
by peppers
Sun Jan 01, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 210828

Re: What are you up YTD? [Year To Date]

Cue Nisiprius' signature here.
by peppers
Fri Dec 30, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2422
Views: 612435

Re: What Movie Have You Recently Watched?

Hacksaw Ridge

Directed by Mel Gibson, this movie tells the story of Desmond Doss, a conscientious objector during WW II and how he became a medic and saved the lives of 75 men on Okinawa.
by peppers
Wed Dec 21, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: DFA on Managing Expectations
Replies: 8
Views: 1732

Re: DFA on Managing Expectations

An interesting presentation. Thank you for the links.
by peppers
Fri Nov 25, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 7278

Re: Black Friday - is this overdone?

After our family's Thanksgiving dinner, I asked the grandchildren what they wanted for Christmas.
They all replied ..."cash".

I then asked, "Will you take a check?" :)
by peppers
Fri Nov 25, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5790

Re: My Bonds Are Enraging Me

Look at the bright side. The markets closed early.
by peppers
Sun Nov 13, 2016 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Will Stable Value Interest Keep up with Inflation
Replies: 3
Views: 735

Re: Will Stable Value Interest Keep up with Inflation

Here is a 2012 Vanguard paper looking at Stable Value funds in a rising interest rate environment.

https://institutional.vanguard.com/iam/ ... main=false
by peppers
Sat Nov 12, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard's website down
Replies: 10
Views: 1019

Re: Is Vanguard's website down

Logged in this morning with no issues.
by peppers
Wed Nov 09, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: Today was an RBD ... [Really Bad Day]
Replies: 34
Views: 8557

Re: Today was an RBD ... [Really Bad Day]

401k contribution went in today, intermediate investment grade bonds and US/ex US equity.
by peppers
Sat Nov 05, 2016 4:53 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 11864

Re: Slipping last few days- time to buy now or wait until after 11/8?

The bi-weekly 401k contribution hits the account on 11/9.

The drama and suspense is building..... :wink:
by peppers
Sat Nov 05, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 48
Views: 5984

Re: Vanguard's Website - Bad, or just me?

Vanguard recently changed how My Account page looks. They requested my feedback on the changes. The big difference is that I now have a group of Vanguard articles listed on the page. My wife's account has not changed. Overall, it is a "cleaner" look. And No, I did not upgrade to the broker...
by peppers
Sun Oct 30, 2016 10:38 am
Forum: Forum Issues and Administration
Topic: Wiki Home Page [The wiki as this site's home page]
Replies: 29
Views: 2111

Re: Wiki Home Page [The wiki as this site's home page]

Since the election season is upon us I put my support behind the incumbent home page.
by peppers
Tue Oct 04, 2016 5:40 pm
Forum: Investing - Theory, News & General
Topic: Here we go again
Replies: 36
Views: 3969

Re: Remember This

pkcrafter wrote:

May The Bogle be with you.



Paul



Got it. :wink:
by peppers
Fri Sep 30, 2016 5:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 14035

Re: Where is Livesoft?

Grt2bOutdoors wrote:
runner9 wrote:Having dinner with sscritic


+1

+2 :wink:
by peppers
Fri Sep 30, 2016 4:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 14035

Re: Where is Livesoft?

iaibtl

P.S. probably hangin' out with the ol' Siri of Finance :wink:
by peppers
Mon Sep 26, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 80
Views: 6451

Re: Replace car battery after X years or wait till it dies?

We have a 2008 Buick. The eight year old battery was replaced this weekend. I also had the alternator checked and it was fine.
FWIW. We have some mechanics in the family and in their experience, batteries tend to last longer in 4 cyl. vehicles than 6 cyl. or 8 cyl. YMMV.
by peppers
Wed Sep 14, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: I am going to stop tilting. Sanity check.
Replies: 66
Views: 6718

Re: I am going to stop tilting. Sanity check.

pkcrafter wrote:


Let's see, anticipated? No. Assumed? No. Forecasted. Maybe :happy


"The only function of economic forecasting is to make astrology look respectable." John Kenneth Galbraith

Maybe something else. :) :)
by peppers
Wed Sep 14, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 11649

Re: Favorite Coffee

Free !
by peppers
Tue Sep 13, 2016 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: I am going to stop tilting. Sanity check.
Replies: 66
Views: 6718

Re: I am going to stop tilting. Sanity check.

Nothing wrong with the total market portfolio.
Nothing wrong with tilting.
In the end, it will all come down to stick-to-it-ness.

Good luck in your endeavor.
by peppers
Tue Sep 13, 2016 7:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 2221

Re: Forum tops 3,000,000 post mark

Hi Everyone: Just found out that our forum passed the 3,000,000 post mark. Here are the current figures: Total posts 3,000,186 • Total topics 190,513 • Total members 53,286 Well done Mel and other founders! :beer 53,286 Bogleheads is impressive. Question..... Is there any metric kept that somehow c...
by peppers
Thu Sep 01, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 61
Views: 5357

Re: Blocking robot calls.

I read a news story, recently, about a new joint initiative on the part of several companies to provide telecom-vendor blocking of auto-dialed calls, but I've searched and just can't find it. Maybe it was a beautiful dream one night? PJW Perhaps you were reading about the "Robocall Strike Forc...
by peppers
Thu Sep 01, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 61
Views: 5357

Re: Blocking robot calls.

I read a news story, recently, about a new joint initiative on the part of several companies to provide telecom-vendor blocking of auto-dialed calls, but I've searched and just can't find it. Maybe it was a beautiful dream one night? PJW Perhaps you were reading about the "Robocall Strike Forc...
by peppers
Tue Aug 30, 2016 8:37 pm
Forum: Investing - Theory, News & General
Topic: Feelings/Sentiments about Recession
Replies: 44
Views: 3311

Re: Feelings/Sentiments about Recession

The NBER not only will not predict recessions , they will not even say that we are in one until it is over . The record on economists predicting recessions is literally a joke ("Economists have predicted nine out of the last five recessions.") I don't think I'm smarter than the NBER, or t...
by peppers
Sun Aug 28, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 9486

Re: Fidelity competing harder w/Vanguard

The repercussion's of Bogle's Folly are still being felt today. :)
by peppers
Sun Aug 28, 2016 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Option A or Option B?
Replies: 22
Views: 1411

Re: Asset Allocation Option A or Option B?

Hi dizzle

Listen to Taylor on this one. A TR fund for all of the accounts is a good plan, just make your contributions and get on with the rest of your life.

Simple. :)
by peppers
Fri Aug 26, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Option A or Option B?
Replies: 22
Views: 1411

Re: Asset Allocation Option A or Option B?

Just a thought,
..."simplify my allocations"...
..."accomplish my desired AA goals"...

How does Roth Her and 401k Her feel about this ?
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: 467

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: 467

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: 116
Views: 12132

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: 1189

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: 28
Views: 3687

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: 621

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: 2874

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. :)

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