Search found 1228 matches

by peppers
Mon Jan 16, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6271

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: 6271

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: 4987

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: 1275
Views: 205316

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: 2270
Views: 562091

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: 1573

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: 7038

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: 5716

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: 704

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: 810

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: 8477

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: 11642

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: 5856

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: 2018

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: 3910

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: 13831

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: 13831

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: 6203

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: 6613

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: 11216

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: 6613

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: 2159

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: 5212

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: 5212

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: 3244

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: 9361

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: 1367

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: 1367

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: 444

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: 444

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: 11953

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: 1175

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: 3602

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: 613

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: 2800

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: 6721

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: 6721

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: 708

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: 76
Views: 8366

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: 2273

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: 5286

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: 26179

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: 1263

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: 5553

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: 1307

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: 44
Views: 6859

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.

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