Search found 1281 matches

by peppers
Fri Jan 26, 2018 7:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4071

Re: Thank you dear Bogleheads

Dear Bogleheads: As the day of my 94th birthday ends, I want to thank Paul and all the others who so thoughtfully have taken the time to send me your Birthday wishes. Your words and thoughts are the best Birthday present I could receive . I read and appreciate each one. Let's hope we can all share ...
by peppers
Sat Jan 20, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 82
Views: 4869

Re: Post Your Morningstar Box Style

20 19 20
07 08 09
06 06 06
by peppers
Fri Jan 19, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Why even have Bonds in a 401k?
Replies: 30
Views: 3025

Re: Why even have Bonds in a 401k?

Company stock. Net Unrealized Appreciation (NUA) ?
by peppers
Sat Jan 13, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion confusion
Replies: 28
Views: 1264

Re: Roth conversion confusion

livesoft wrote:
Sat Jan 13, 2018 11:07 am
And somebody born after June 30th cannot be 70.5 until the next year? Is that right? Didn't this question come up before since June 30th is either the 181st or 182nd day of the year and the 365/2 day comes later than that.
Now that looks like something sscritic would write.
by peppers
Sun Jan 07, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 210
Views: 18177

Re: Memo to those who have won the game: it's time to quit playing

I'm amazed that these people know with certainty that they will never spend a decade in an assisted living home for people with Alzheimer's at a cost of $6,000 a month on top of all their other expenses that their spouse, who lives elsewhere, has. They can perfectly predict the future...but instead...
by peppers
Mon Jan 01, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 222
Views: 37742

Re: Bonds - Throw it all on the table!!!

Long story short version 401k fund changes The bond fund in my 401k will no longer be available in 2018. The new bond fund will be a "Fund of Funds", 5 to be exact. Breakdown/ % of fund Pimco Total Return 25.51 Western Asset Core Plus Bond I 25.49 BlackRock US Debt Index Fund E 23.16 BlackRock Core...
by peppers
Mon Jan 01, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 222
Views: 37742

Re: Bonds - Throw it all on the table!!!

Long story short version 401k fund changes The bond fund in my 401k will no longer be available in 2018. The new bond fund will be a "Fund of Funds", 5 to be exact. Breakdown/ % of fund Pimco Total Return 25.51 Western Asset Core Plus Bond I 25.49 BlackRock US Debt Index Fund E 23.16 BlackRock Core ...
by peppers
Sun Dec 31, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Curiosity: Blackrock
Replies: 18
Views: 1392

Re: Curiosity: Blackrock

My 401k is with Fidelity.

The funds are collective investment trusts managed by BlackRock.
by peppers
Sun Dec 31, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: The Growing Peril of Index Funds: Too Much Tech
Replies: 67
Views: 5893

Re: The Growing Peril of Index Funds: Too Much Tech

Interesting discussion Out of curiosity I looked up the top ten holdings for S&P 500 and came across this information . 1980 S&P 500 1) IBM 2) ATT 3) Exxon 4) Standard Oil of Indiana 5) Schlumberger 6) Shell Oil 7) Mobil 8) Standard Oil of California 9) Atlantic Richfield 10) General Electric So bac...
by peppers
Thu Dec 28, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: S&P500 Indexing stay away? - does article make valid points?
Replies: 18
Views: 2704

Re: S&P500 Indexing stay away? - does article make valid points?

And yet, there are some individuals who are perfectly fine with the S&P 500.
A gentleman in Omaha named Warren.
by peppers
Thu Dec 28, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine
Replies: 41
Views: 6320

Re: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine

Take it easy folks.

As of Oct 2017, BlackRock had an AUM of 5.9 trillion.
https://www.reuters.com/article/us-blac ... SKBN1CG18M
So.......which one is going to take out Fidelity? :happy
by peppers
Wed Dec 20, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51024

Re: Tax Bill Omnibus Thread

Grt2bOutdoors wrote:
Wed Dec 20, 2017 5:49 pm




Or we can just wait for the next Ed Slott PBS special on how to take advantage of the new law before it sunsets in 2025. :mrgreen:
Good one. :)
by peppers
Thu Dec 14, 2017 8:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 4105

Re: Holiday thanks to Bogleheads. How have they helped you?

Our friend across the pond, a tip of the hat to Valuethinker for his global, economic and historical perspectives.
by peppers
Tue Nov 28, 2017 8:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 156
Views: 17459

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

I betcha a nickel, even money, that they don't put any of these new funds in their Target Retirement or LifeStrategy funds. Let's see.......it's been about four years since the introduction of international bonds. I can see it now: Your new Life Strategy fund will still be 80% indexed, but we've de...
by peppers
Tue Nov 21, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 up 1.85% in first four days of 2017
Replies: 13
Views: 2523

Re: S&P 500 up 1.85% in first four days of 2017

dwickenh wrote:
Tue Nov 21, 2017 4:08 pm
Trying to remember my guess for the S&P at years end=- does anyone remember the name of the post where we guessed?
viewtopic.php?f=10&t=206949&hilit=Boglehead+contest
by peppers
Sat Nov 04, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 12409

Re: Got an iPhoneX

matjen wrote:
Sat Nov 04, 2017 12:14 pm
Finally we were able to get the iPhone X photo uploaded... :twisted:



Image
Where's the "umbrella man"? :wink:
by peppers
Sun Oct 22, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5216

Re: What service do you pay for that you could easily do yourself?

Toons wrote:
Sat Oct 21, 2017 5:12 pm
Changing oil in autos. :happy

Same here. The ol' sciatica seems to flair up every 3000 - 4000 miles. :wink:
by peppers
Sat Sep 23, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: IRS Letter
Replies: 6
Views: 756

Re: IRS Letter

A few years ago we received a letter from the IRS stating we had underpaid our taxes. Our CPA went through the return, found no discrepancies, and responded via email. The IRS looked into it and the error was on their end. It was resolved in a few weeks. No additional taxes due.
by peppers
Sat Sep 23, 2017 7:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 10679

Re: Bogleheads you would most like to meet and why?

sscritic

We could talk about our grandchildren and Chinese soap operas over a plate of lo mein.
by peppers
Sun Sep 10, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 94
Views: 18855

Re: Two Comma Club

Sandtrap wrote:
Sun Sep 10, 2017 10:45 am
Congratulations :sharebeer

Does the Bogleheads Forum have a 3 (three) Comma Club? :shock:
Well, if you take the case of a married couple and each spouse has 2 comma's in "their" individual portfolio, they would be in the 4 comma club. :happy
by peppers
Fri Sep 01, 2017 3:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 19680

Re: [Are the Bogleheads] getting less interesting?

sreynard wrote:
Fri Sep 01, 2017 1:44 pm
peppers wrote:
Thu Aug 31, 2017 4:42 pm
What's facebook?
Is it like face-palm? :oops:
More like 捂臉 as sscritic would say.
by peppers
Sun Aug 20, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 16099

Re: I own no international stocks. Can you guess why?

Taylor is not old. He is simply advancing along in the maturation process.
by peppers
Sun Aug 20, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 16099

Re: I own no international stocks. Can you guess why?

ummm........probably purchased a Lagoon 440.
by peppers
Sun Aug 13, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2745

Re: For those switching to Chrome from Firefox

Toons wrote:
Sun Aug 13, 2017 2:19 pm
Chrome/ChromeBook
Lighting Speed
Agree ⚡️
by peppers
Sat Aug 12, 2017 7:30 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 203
Views: 172455

Re: Please Try Out Test Posts Here

🌶 👿⏎ ⏎ ⏎
by peppers
Sun Jul 23, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 9950

Re: Investing Education and Mansplaining

Speaking as a father of 4, when graduation came, investing and retirement planning were not on the to do list. Long range planning usually involved the social agenda for the following weekend. You're only 22 once.
by peppers
Sat Jul 08, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Illinois Partial Year tax increase
Replies: 19
Views: 3376

Re: Illinois Partial Year tax increase

If anyone is interested, here is a link to a history of Illinois state income tax.

http://www.revenue.state.il.us/TaxRates ... rYears.htm
by peppers
Sun Jun 18, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 16750

Re: Anyone else gotten totally bored with investing?

Well, one could try running with the bulls.....in Pamplona.... :happy
by peppers
Tue Jun 13, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 15527

Re: Who takes financial chances and why is this forum so financially conservative?

I will be visiting a betting establishment and participate in some games of chance.

Does that count?
by peppers
Fri Jun 09, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg Invest Spotlight: Cliff Asness
Replies: 18
Views: 1597

Re: Bloomberg Invest Spotlight: Cliff Asness

A very interesting interview which I enjoyed. Thanks for posting.

P.S. Grok87, you're scarin' me. :wink:
by peppers
Tue May 30, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: how do you invest the bond portion of your portfolio
Replies: 19
Views: 2316

Re: how do you invest the bond portion of your portfolio

We use an investment grade bond fund that seeks to match the Barclays Capital US Government/Credit Bond Index and a capital preservation and income fund that invests in stable value contracts.
by peppers
Sat Apr 22, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 60
Views: 5989

Re: LMP-1: P&I article on corporate & public pension plans

We will have one corporate pension and one public pension. Currently the corporate pension gets a one percent annual increase and the public pension gets a three percent annual increase. Our retirement portfolio is about 45/55 equity to fixed income with contributions going 50/50 into total stock ma...
by peppers
Sat Apr 15, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: New contributions after making number, aggressive or conservative?
Replies: 30
Views: 2666

Re: New contributions after making number, aggressive or conservative?

We never had a number per se, just investing half in equity and half in fixed income. After 40 some years we appear to be in a comfortable spot.
by peppers
Sat Apr 15, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Is Growing Faster Than Everybody Else Combined]
Replies: 34
Views: 2998

Re: NYT article on Vanguard

This might be what a poster was referring to about Fidelity.

viewtopic.php?t=203570
by peppers
Sat Apr 08, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 5904

Re: Vanguard Taking-In $2 Billion a Day in New Cash

For anyone keeping score at home, a list of global assets under management. The page notes that Vanguard crossed 4 trillion in March 2017.

http://www.relbanks.com/rankings/largest-asset-managers
by peppers
Sun Apr 02, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 5120

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

We have been with Vanguard for 25 years. I've contacted them by email or phone....4 or 5 times.
by peppers
Sat Mar 11, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Important Bear Market Signal sent
Replies: 19
Views: 3514

Re: Important Bear Market Signal sent

Valuethinker - duly noted; will bookmark for review on May 2018.
by peppers
Sat Feb 25, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing frequency - Balanced funds
Replies: 11
Views: 1406

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: 15
Views: 1225

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: 108
Views: 24012

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: 117
Views: 13551

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 localizing with som...
by peppers
Tue Feb 21, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261586

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: 4972

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: 4972

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: 4665

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: 169
Views: 44146

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...