Search found 1248 matches

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: 25
Views: 1620

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: 2042

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: 1925

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: 4939

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: 4138

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: 3166

Re: Important Bear Market Signal sent

Valuethinker - duly noted; will bookmark for review on May 2018.
by peppers
Thu Mar 09, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Open bond fund now or wait till Fed rate increase next week
Replies: 15
Views: 1358

Re: Open bond fund now or wait till Fed rate increase next week

"....beware the Ides of March..."

:wink: couldn't resist
by peppers
Sat Feb 25, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing frequency - Balanced funds
Replies: 11
Views: 1095

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: 844

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: 64
Views: 10740

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: 11229

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: 3401
Views: 875591

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: 4074

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: 4074

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: 3345

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: 19672

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: 646

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: 2146

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: 1143

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: 6565

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: 6565

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: 5581

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: 214067

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: 2604
Views: 687136

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: 1862

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: 7944

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: 5976

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: 765

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: 1089

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: 8621

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: 12236

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: 6098

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: 2251

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: 4056

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: 14310

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: 14310

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: 6735

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: 6893

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: 12203

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: 6893

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: 2304

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: 5509

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: 5509

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: 3384

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: 9661

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: 1453

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. :)

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