Search found 1145 matches

by peppers
Sat Apr 30, 2016 8:20 am
Forum: Investing - Theory, News & General
Topic: What's a typical pension funding % ?
Replies: 28
Views: 3142

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: 104
Views: 5156

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: 83
Views: 6826

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: 83
Views: 6826

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: 5332

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: 5186

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: 5332

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: 19568

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: 2292

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: 1276

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: 526
Views: 57882

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: 1193

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: 3617

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: 5316

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: 869

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: 5373

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: 869

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: 5373

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: 2481

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: 3306

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: 2226

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: 2226

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: 1159

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: 5571

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: 5571

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: 483

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.
by peppers
Sat Apr 02, 2016 3:39 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Contest -- New Link
Replies: 6
Views: 501

Re: Boglehead Contest -- New Link

LadyGeek wrote:The left side menu of every wiki page has a link to the contest. I fixed the menu: Bogleheads® contest

Did anything break during the move? Something must be wrong - I'm in 38th place. I was expecting to be in 238th or lower. :)



Patience young grasshopper....patience.... :)
by peppers
Sat Apr 02, 2016 12:41 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 27
Views: 2212

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

In my 401k plan, I have a position in a capital preservation and income fund. It is not an SEC-registered 40 act fund and invests primarily in stable value investment contracts issued by banks, insurance companies and other financial institutions. In a "possible" rising rate environment, i...
by peppers
Sat Apr 02, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 27
Views: 2212

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

What is the panel's view of using Collective Investment Trusts in a 401k plan ? In my plan the ER's range from 0.07 to 0.09 and seek to track MSCI indices.
by peppers
Tue Mar 29, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 5766

Re: What is your current Cash to Investment ratio?

Around 3%, unless my lovely wife has a cache somewhere that I don't know about. :)
by peppers
Tue Mar 29, 2016 8:47 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore on Bear Markets
Replies: 31
Views: 3637

Re: Taylor Larimore on Bear Markets

Cue George Santayana's quote here.

"Those who do not remember the past are condemned to repeat it."
by peppers
Sat Mar 26, 2016 2:32 pm
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 48
Views: 4622

Re: Gardening 2016

We are in Zone 5b, northern Illinois so it is too early to put our plants out yet. We have some herb plants that we kept growing through the winter and they are coming along nicely. Today, is a sunny day so I have the plants by the patio door inside the house, good southern exposure. My prior year ...
by peppers
Fri Mar 25, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 65
Views: 6219

Re: 2 Buckets or 3 Buckets in Retirement??

It looks like it will be three buckets, the government, Hers and whatever trickles down into mine.
by peppers
Fri Mar 25, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Moving to Chicago - Where should I live? (2 options)
Replies: 36
Views: 2773

Re: Moving to Chicago - Where should I live? (2 options)

If you must have a car in Chicago, it is incumbent upon you to become familiar with the Chicago tradition..."DIBS".

http://chicagodibs.tumblr.com/

Enjoy the video
by peppers
Fri Mar 25, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1560
Views: 320882

Re: What Movie Have You Recently Watched?

Specter , another 007 movie. It was okay, but it doesn't match the old 007 movies, such as Dr. No and To Russia With Love S Agreed. Somehow the franchise has lost its way. I thought Daniel Craig was a breath of fresh air in Casino Royale but Quantum of Solace completely lost it -- it tried to be a ...
by peppers
Mon Mar 21, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 80
Views: 9890

Re: Capital One 360 New Money Market Account, 1% on over 10k

...0.50% 0.75% 1.00% 1.60%......

...bear with me, I am trying to channel Paul Volcker....
by peppers
Sat Mar 19, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: What bond funds do you use, and why?
Replies: 55
Views: 3853

Re: What bond funds do you use, and why?

I use an intermediate investment grade fund in my 401k. It is a collective investment trust and not a SEC registered 40 Act Fund. The benchmark for the fund is the Barclay Capital US Government Credit Bond Index. The ER is 0.09
by peppers
Fri Mar 18, 2016 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3520

Re: Fidelity customer service experience

Not so much customer service, but when I log into my 401k at Fidelity, I get the Financial Engines ad. It's either a stoplight that constantly changes color or the flying piggy bank with coins floating around. Very annoying.
by peppers
Fri Mar 18, 2016 9:44 pm
Forum: Investing - Theory, News & General
Topic: Trading Nation (CNBC) "Because traders do trade better together"...and other such nonsense
Replies: 4
Views: 345

Re: Trading Nation (CNBC) "Because traders do trade better together"...and other such nonsense

[quote="arcticpineapplecorp."] I couldn't watch more than the first few seconds of the video when I said, "WHAT DID HE JUST SAY???"-- "Welcome to Trading Nation. Because traders DO trade better together. We're ALL together." :oops: Well, at least they didn't stand up,ho...
by peppers
Fri Mar 18, 2016 8:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 613940

Re: U.S. stocks in freefall

nisiprius wrote:
FullYellowJacket wrote:I think we are currently in the mysterious, fabled, quadruple dead cat bounce!

But seriously, I won't gloat to anyone until we are back in the 2100s.
The S&P 500 index, or the century? :happy


I had a feeling someone would work the space time continuum into this thread. :)
by peppers
Sun Mar 13, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Don't Peek
Replies: 33
Views: 3947

Re: Don't Peek

I usually check the accounts once a week. It helps with my hand eye coordination.

Cognitive decline in the aging process and all that........... :wink:
by peppers
Sun Mar 13, 2016 9:40 am
Forum: Investing - Help with Personal Investments
Topic: When to simplify due to cognitive decline?
Replies: 39
Views: 4274

Re: When to simplify due to cognitive decline?

Respectfully, I have, over the years, tried to get the DW engaged in the investment holdings process but she showed little interest and deferred all the decision making to me. Currently, we are down to 4 funds. I believe she might be having a revelation, seeing what my sister and I are going through...
by peppers
Tue Mar 08, 2016 7:23 pm
Forum: Investing - Theory, News & General
Topic: The Hidden Insurance Benefit of U.S. Treasury Bonds
Replies: 7
Views: 1873

Re: The Hidden Insurance Benefit of U.S. Treasury Bonds

My mother has a large portion of her assets in a Vanguard Treasury Bond Fund. While not as glamorous as equities, it has been a godsend in her long retirement. She will be 95 in a short time.
by peppers
Wed Mar 02, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: Coffee/Tea/Water Stainless Steel Thermos Recommendations
Replies: 16
Views: 1408

Re: Coffee/Tea/Water Stainless Steel Thermos Recommendations

We received two of these as gifts. They definitely keep it hot and do not leak.

http://www.gocontigo.com/mugs/
by peppers
Tue Mar 01, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Does everyone really need to save $1 million for retirement?
Replies: 225
Views: 29155

Re: Does everyone really need to save $1 million for retirement?

MikeWillRetire wrote:
And the expenses of raising children will go away, at least form most of us.


Actually, the expenses reappear as grandchildren. :)
by peppers
Mon Feb 29, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: What is John Bogle's best book?
Replies: 25
Views: 2817

Re: What is John Bogle's best book?

The Battle For The Soul Of Capitalism (2005)

I have read that book 4 or 5 times. Jack Bogle's "fire in the belly" comes through big time.

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