Search found 1344 matches

by peppers
Tue Dec 18, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 61
Views: 3435

Re: Is anyone's portfolio not tanking???

Tanking? Well, it's more like a fluid situation....the ebb and flow of the tides.
by peppers
Tue Dec 18, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8810
Views: 1692268

Re: U.S. stocks in free fall

Out of curiosity, I wonder how many investors completely moved out of stocks yesterday. Why tho? "Out of curiosity." Curiosity killed the cat. Some playwright named Shakespeare penned this....probably others. But if curiosity killed the cat then satisfaction brought it back. I wonder if any investo...
by peppers
Mon Dec 17, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 2829

Re: Holiday Card [from Vanguard]

DaftInvestor wrote:
Mon Dec 17, 2018 1:40 pm

Transfer $5,000,000 to Vanguard and you can get a Holiday Card.
I transferred $100,000 to Ally and they are giving me $1,000. (viewtopic.php?t=261504)

I prefer the latter :)
Cash says you care. :wink:
by peppers
Sat Dec 08, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 8500

Re: We Are Teetering on the Edge of A DEATH CROSS

One of Nisiprius' creative moments...

viewtopic.php?p=835881#p835881

Flying piranhas......who knew..... :)
by peppers
Tue Dec 04, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 18005

Re: Bogle Sounds a Warning on Index Funds

Taylor Larimore wrote:
Tue Dec 04, 2018 11:25 am
Jack Bogle:

We are honored to have your participation and clarification.

I know you will enjoy reading the Boglehead responses to your latest book:

"STAY THE COURSE" by John C. Bogle -- A Gem

Please stay well.

Taylor

I'll second that.
by peppers
Wed Nov 28, 2018 5:54 am
Forum: Investing - Theory, News & General
Topic: calling peak Vanguard, peak value, top of market
Replies: 9
Views: 1296

Re: calling peak Vanguard, peak value, top of market

Valuethinker

Thanks for the heads up about the equity side.

Now,what is the Valuethinker Index position on fixed income? 8-)
by peppers
Thu Nov 22, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9453

Re: Prime MM vs 6-month Treasury in IRA

fwiw

Here's a link to the history of the Federal Fund rate going back to 1954.

https://www.macrotrends.net/2015/fed-fu ... ical-chart
by peppers
Tue Nov 20, 2018 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13137

Re: Can someone explain what's going on..........

"The bears have Thanksgiving and the bulls have Christmas."

It was a phrase I heard several times while watching Wall Street Week with Louis Rukeyser. Is it actionable?

"You pays your monies and you takes your chances".
by peppers
Sun Nov 18, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9453

Re: Prime MM vs 6-month Treasury in IRA

fwiw

Playing devil's advocate we could be looking at a 3.0% FFR at the end of 1Q 2019.

Having to invest during the Volcker years, the phrase "don't fight the Fed" comes to mind. I would stay put in the Vanguard MMF.
by peppers
Sun Nov 04, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18476

Re: Vanguard website "unavailable during weekend of Nov 3"

As a PSA, we logged into our accounts to verify name, address, email, alerts, bank info and beneficiaries. It was all there.

However, we are getting the large pop up. "Up grade your account now in three easy steps."
by peppers
Sun Nov 04, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18476

Re: Vanguard website "unavailable during weekend of Nov 3"

I'm sure if you had 3 or 4 billion banked at Vanguard, you probably got the heads up on the Vanguard upgrade. For the rest of the unwashed masses....get over it.
by peppers
Sun Nov 04, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: FSTVX -> FSKAX
Replies: 15
Views: 2042

Re: FSTVX -> FSKAX

fwiw

The total bond fund in my Fidelity 401k was converted this weekend, going from FSITX to FXNAX.

Hmmm...FXNAX...XANAX....clever marketing ploy in this current rising interest rate environment. :wink:
by peppers
Sat Nov 03, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18476

Re: Vanguard website "unavailable during weekend of Nov 3"

We can log in and see balances on one account and information not available on second account.
by peppers
Sat Oct 27, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 147
Views: 16710

Re: Total Bond Market Fund - interest rates rising!

Thank you for that very interesting investment fact concerning Total Bond Market in this rising interest rate environment. People still aren't understanding "rising rate environment", with respect to intermediate-term bonds . Let's work on this ... Is this a rising rate environment, with respect to...
by peppers
Sun Oct 14, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Collective Investment Trust choice in 401k
Replies: 17
Views: 733

Re: Collective Investment Trust choice in 401k

fwiw My 401k is with Fidelity and I use the Brokerage Link option for some of my funds. The CIT's in the core plan are updated next day and I can see dollar and percent changes for each CIT. The CIT's track their respective indices fairly close and are almost identical to a comparable index. Example...
by peppers
Thu Oct 11, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8494

Re: What did you buy today

triceratop wrote:
Thu Oct 11, 2018 4:53 pm
I bought myself a drink to make myself forget I spent all my cash, and my first Roth IRA contributions in 4 years, on VSS yesterday.
...."patience young grasshopper"....... :wink:
by peppers
Tue Sep 11, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4838

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

I don't really care whether Vanguard "loses" or "wins." I don't want them to collapse . I want them to keep operating the funds I personally use. I don't want the fees on Admiral shares of those funds to rise to above, oh, I don't know, 0.10%. I don't think it helps me for Vanguard to get more giga...
by peppers
Sun Aug 26, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8810
Views: 1692268

Re: U.S. stocks in freefall

Winter is Coming
by peppers
Wed Aug 22, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good time to invest as stock market is all time high?
Replies: 46
Views: 4979

Re: Is this a good time to invest as stock market is all time high?

The Dow Jones Industrial Average broke 1000 for the first time in November 1972. A few months later a bear market began and the Dow lost 40% of its value. So, was it a good time to start investing?

That timeline is when I first started investing. And the Dow today is... :happy
by peppers
Wed Aug 22, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 7327

Re: Gardening 2018

Late season update Northeastern Illinois It has been a productive season so far. I thought the cucumbers would be winding down but they are still going like gangbusters. Picked about 20 or so off the vines yesterday. The zucchini plant continues to expand producing some nice sizes. The wife uses the...
by peppers
Wed Aug 22, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5500

Re: Test your cognitive biases

Okay, so after all of these Supremely Wonderful Scores, who will 'fess up to a lesser score, or an outright "low" one? Also, do the "confidence" scores actually factor in to the "result", or is that just for the research in some other way? RM OK I'll play Scored better than 25 to 50 percent of coll...
by peppers
Sat Aug 04, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78841

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Can they raise the expense ratio after getting everyone over to fidelity? Yes they can. My 401k plan is run by Fidelity and the funds are managed by BlackRock Trust Co. On August 1st the ER's went up 1 basis point across the board. The funds are collective investment trusts and a series of target d...
by peppers
Fri Jul 20, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3821

Re: Fake IRS calls - anybody care?

I came home from work today and saw there were several messages on the answering machine. I listened to them but did not delete them. When my wife came home, she saw the machine and asked "who is on the phone?". I replied: Some company is declaring bankruptcy and wants us to call them so they can se...
by peppers
Sat Jul 07, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Sizing Up Fidelity and Vanguard Managers
Replies: 2
Views: 510

Re: Sizing Up Fidelity and Vanguard Managers

Pssst.... as of December 2017 BlackRock had AUM of $6.3 trillion. :)

https://en.wikipedia.org/wiki/BlackRock
by peppers
Tue Jun 19, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8810
Views: 1692268

Re: U.S. stocks in freefall

Re: Anyone buying today?

No, but the 401k contributions hit the US and International funds tomorrow.
by peppers
Tue Jun 19, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Our interview with Taylor Larimore
Replies: 17
Views: 4199

Re: Our interview with Taylor Larimore

Apart from the Three Fund portfolio and holding our collective hand during market collapses, Taylor makes other remarkable contributions that are not sufficiently acknowledged: 1. Taylor reads excellent books on finance and then posts summaries of their best points 2. Taylor, together with Mel, is ...
by peppers
Mon Jun 18, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: What companies followed Vanguard to no-load???
Replies: 13
Views: 1208

Re: What companies followed Vanguard to no-load???

fwiw

The link to the article states that in 1928, Scudder Stevens and Clark (Scudder Funds) offered a no load mutual fund to small investors.

https://investorsolutions.com/knowledge ... -of-funds/
by peppers
Fri Jun 15, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 4217

Re: I am STUNNED over how much help my friends recieved with house purchase!

  * How much money have you given your kid(s) for their house purchase? $0.00 * How much money should you give your child for this purpose? $0.00 * Should your kid(s) save their own money and buy a house on their own? They all did * What advice have you given your kid(s) about buying a house / real ...
by peppers
Mon Jun 04, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 45
Views: 7698

Re: Thinking of a divorce - from Vanguard

retiredjg wrote:
Mon Jun 04, 2018 4:28 pm


Apparently all new accounts must be on the brokerage platform. I'm hiding out in a corner of the mutual fund platform, resisting all requests to "update". :wink:
Shhhhh......the corner is getting crowded. :wink:
by peppers
Sun Jun 03, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 12124

Re: Why have a savings account at all?

As I have said before, I see our whole portfolio as an emergency fund, and yes, we do have a couple of accounts with the Navy Federal Credit Union (and we intend to keep them), for years I have known everyone working in our local branch and I drop by on a weekly basis to say hello and to pack my wa...
by peppers
Fri May 25, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 41
Views: 4986

Re: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]

fwiw

The link is from the Economic Policy Institute dated January 11, 2013. It shows a higher percentage in public and unionized private sector pensions. Much less so in non-union private sector pensions.

https://www.epi.org/blog/private-sector ... e-decline/
by peppers
Mon May 21, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: Edelman & Financial Engines merging
Replies: 36
Views: 4617

Re: Edelman & Financial Engines merging

Financial Engines came into our 401k plan about two years ago which is run by Fidelity. Go figure. Fees for Financial Engines: $50,000 or less 0.35% $50,000 to $250,000 0.30% $250,000 and over 0.25% This does not include the ER's of the 401k funds which range from 0.01% to 0.31% I do not use Financi...
by peppers
Tue Apr 24, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 139
Views: 14964

Re: A Rant about Ticker Speak

pkcrafter wrote:
Tue Apr 24, 2018 5:05 pm


What is AGG?

Are you referring to a Pharyngeal reflex? :wink:
by peppers
Sat Apr 14, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 7327

Re: Gardening 2018

I started my pepper seeds in early March. The jalapeno's are growing nicely. The bell peppers are not far behind. I'm in NE Illinois and like the market, the weather has been up and down. Snow possible tonight and tomorrow......groan..... What are doing to deter gophers? They can be reasonable crea...
by peppers
Fri Apr 13, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 7327

Re: Gardening 2018

We live in the big city so gophers aren't an issue for us. I do use a wire mesh fence to keep the rabbits at bay. Peppers, what happened to your nemesis the squirrel who was eating your basil? Did you two make peace? 8-) Absolutely, and he has a friend. The other morning as I gazed out the kitchen ...
by peppers
Fri Apr 13, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 8535

Re: vanguard notice - retiring our old investment platform

grok87 wrote:
Fri Apr 13, 2018 3:51 pm
TravelGeek wrote:
Fri Apr 13, 2018 3:47 pm
HueyLD wrote:
Fri Apr 13, 2018 3:08 pm
I told my rep that I would be the last client to convert and she chuckled.
We may have to coordinate that, because I have no plan to convert at this time ;)
+1
I'm in agreement.
by peppers
Fri Apr 13, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 7327

Re: Gardening 2018

I started my pepper seeds in early March. The jalapeno's are growing nicely. The bell peppers are not far behind. I'm in NE Illinois and like the market, the weather has been up and down. Snow possible tonight and tomorrow......groan..... What are doing to deter gophers? We live in the big city so ...
by peppers
Sun Apr 08, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 7327

Re: Gardening 2018

I started my pepper seeds in early March. The jalapeno's are growing nicely. The bell peppers are not far behind. I'm in NE Illinois and like the market, the weather has been up and down. Snow possible tonight and tomorrow......groan..... Are you growing seedlings inside? I usually don’t plant unti...
by peppers
Sun Apr 08, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 7327

Re: Gardening 2018

I started my pepper seeds in early March. The jalapeno's are growing nicely. The bell peppers are not far behind. I'm in NE Illinois and like the market, the weather has been up and down. Snow possible tonight and tomorrow......groan.....
by peppers
Sun Apr 08, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Comparison Help (VBTLX VS MWTIX)
Replies: 18
Views: 1212

Re: Bond Fund Comparison Help (VBTLX VS MWTIX)

Just thinking out loud here. Is the Met West fund in a tax advantaged account? The higher turnover of MWTIX vs VBTLX "may" create some income tax unpleasantness. This is not an issue with bond funds. Bond funds get almost all their income from dividends, so actively managed bond funds do not genera...
by peppers
Sat Apr 07, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: What is Megacorp?
Replies: 62
Views: 5412

Re: What is Megacorp?

A soulless organization that stamps out most forms of individual expression, especially high forms like redneckism. The words synergies, overdrive, and harmonize will be used when doing horrible things to people. You forgot about "reach out to our colleagues in the London office" - bollock them tot...
by peppers
Sat Apr 07, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Comparison Help (VBTLX VS MWTIX)
Replies: 18
Views: 1212

Re: Bond Fund Comparison Help (VBTLX VS MWTIX)

Just thinking out loud here.

Is the Met West fund in a tax advantaged account? The higher turnover of MWTIX vs VBTLX "may" create some income tax unpleasantness.
by peppers
Sat Apr 07, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital's "Complimentary Portfolio Review" - Thoughts?
Replies: 17
Views: 1182

Re: Personal Capital's "Complimentary Portfolio Review" - Thoughts?

A higher weighting given to the tech sector at present? This is the market.

Back in the 1980's, 7 of the top 10 holdings were in "Big Oil".

If interested, check out the link below to see how positions change over the decades.

http://ritholtz.com/2013/02/visual-hist ... he-sp-500/
by peppers
Sat Apr 07, 2018 7:06 am
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6798

Re: Are we in bear territory?

If you live near Soldier Field in Chicago....then yeah...
by peppers
Fri Apr 06, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6489

Re: [When is going out to a restaurant worth it to you?]

When my executive chef at home says, " I am not cooking tonight", usually on weekends, I know it's game on.