Search found 1208 matches

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: 5995

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: 134
Views: 7485

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: 5995

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: 1755

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: 4778

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: 4778

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: 2924

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: 8859

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: 1260

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: 1260

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: 369

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: 369

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: 10756

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: 1131

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: 3235

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: 586

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: 2468

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: 6226

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: 6226

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: 165

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: 7486

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: 2214

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: 72
Views: 4698

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: 24556

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: 1174

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: 5091

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: 1204

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: 3316

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: 1157

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: 10181

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: 10181

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: 4584

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: 6237

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: 2396

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: 21937

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: 21937

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: 9646

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: 4703

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: 9045

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: 2461

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: 405

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: 2628

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: 1761

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: 20606

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: 531

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: 532

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: 20606

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.
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