Search found 1190 matches

by peppers
Tue Jul 26, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 5747

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: 5747

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: 93

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: 7264

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: 2160

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: 64
Views: 3697

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: 225
Views: 22903

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: 1130

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: 59
Views: 3213

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: 1175

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: 2979

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: 1142

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: 9931

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: 9931

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: 4340

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: 6048

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: 2216

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: 21247

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: 21247

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: 9301

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: 4562

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: 8496

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: 2401

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: 389

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: 2523

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: 1714

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: 149
Views: 12856

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: 515

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: 503

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: 149
Views: 12856

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. More along the lines of something like this: http://www1.macys.com/shop/product/polo-ralph-lauren-cotton-crew-neck-sweatshirt?ID=2436193&CategoryID=4286&tdp=cm_app~zMCOM-NAVAPP~xcm_zone~zPDP_ZONE_A~xcm_choiceId~zcidM05RR...
by peppers
Thu May 19, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 5348

Re: Emergency Preparedness

BTW, fire is the disaster than I am most worried about. There really is no sheltering in place for a fire. I might have to swim out into the middle of a large pond with a snorkel for that. Head for the water. That's what the good citizens of Pompeii thought when they saw the pyroclastic flow coming...
by peppers
Thu May 19, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 5348

Re: Emergency Preparedness

Anyone live near a nuclear power plant? Have you considered your options in an EMP attack?
by peppers
Wed May 18, 2016 6:00 am
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 4016

Re: Did your children ever completely move out?

Nothing was left in the house but moving along to the garage we find 2 motors, a transmission, a 2-1/4 ton lift......
by peppers
Tue May 17, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Some days still not sure I made the right choice
Replies: 49
Views: 8202

Re: Some days still not sure I made the right choice

I will find my way and this part time job has really helped. It really isn't that I made a wrong choice it's more adapting to a new style and new journey in life. I get home now from work and I'm tired physically not mentally and it feels good even when ever muscle in my body hurts. Lol Thanks for ...
by peppers
Sun May 15, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1750
Views: 391294

Re: What Movie Have You Recently Watched?

In the Heart of the Sea directed by Ron Howard The story begins in 1850 with the young writer Herman Melville interviewing the last survivor of the ill fated whaling ship Essex lost at sea in the 1820's. A tale of hardship and survival and how far men can be pushed to go on and on. This was the insp...
by peppers
Sat May 14, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: treasurydirect.gov is not a secure website?
Replies: 15
Views: 1902

Re: treasurydirect.gov is not a secure website?

Using Chrome....

..."was loaded over a secure connection but contains a form which targets an insecure endpoint."

Check under details.
by peppers
Sat May 14, 2016 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Do all Boglesheads die at 100?
Replies: 51
Views: 6227

Re: Do all Boglesheads die at 100?

Interesting thought experiment

"Honey, if we are going to have another baby, we better start now. You are 290 years old and you know what they say about conception after 300."
by peppers
Fri May 13, 2016 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you stand on the age old debates?
Replies: 19
Views: 2051

Re: Where do you stand on the age old debates?

1. A slight lean to the right with mid caps.

3. Age in bonds

6. Work in retirement? That does not compute.

7. I secretly long for the PE10 > 30 threads.
by peppers
Sun May 08, 2016 6:14 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 3577

Re: Happy Birthday Mr. Bogle! May 8, 2016

...vivere una vita lunga...salutiamo
by peppers
Sat May 07, 2016 9:52 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 131
Views: 139805

Re: test post

cheese_breath wrote:
in_reality wrote:test response

test conflict with test response.


test conflict resolution
by peppers
Sat May 07, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: BUFFETT: This is the most important investment lesson in the world
Replies: 13
Views: 3312

Re: BUFFETT: This is the most important investment lesson in the world

JMacDonald wrote:I wonder what the investors in that hedge fund think of that bet?



Good point.
by peppers
Sat May 07, 2016 5:35 pm
Forum: Forum Issues and Administration
Topic: Is the smiley face angry?
Replies: 12
Views: 1771

Re: Is the smiley face angry?

cheese_breath wrote:Any bets on which one Lady Geek will use when she locks the thread? :shock: :confused :thumbsup :?: :thumbsdown :?:


:annoyed
by peppers
Fri May 06, 2016 9:30 pm
Forum: Investing - Theory, News & General
Topic: Why did Peter Bernstein denounce the 60/40 Solution
Replies: 27
Views: 3978

Re: Why did Peter Bernstein denounce the 60/40 Solution

From Don't Count on It by John Bogle p.576 Nonetheless, when in 2003 he declared that "Policy Portfolios Are Obsolete" - favoring instead a policy of short-term opportunism using many unconventional asset classes- I fear that my elbows may have been a bit sharp, and I fired back. In a spee...
by peppers
Sat Apr 30, 2016 8:20 am
Forum: Investing - Theory, News & General
Topic: What's a typical pension funding % ?
Replies: 30
Views: 3735

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: 115
Views: 7617

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: 106
Views: 9183

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: 106
Views: 9183

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

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