Search found 1268 matches

by peppers
Thu Dec 14, 2017 8:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Holiday thanks to Bogleheads. How have they helped you?
Replies: 24
Views: 2058

Re: Holiday thanks to Bogleheads. How have they helped you?

Our friend across the pond, a tip of the hat to Valuethinker for his global, economic and historical perspectives.
by peppers
Tue Nov 28, 2017 8:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12218

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

I betcha a nickel, even money, that they don't put any of these new funds in their Target Retirement or LifeStrategy funds. Let's see.......it's been about four years since the introduction of international bonds. I can see it now: Your new Life Strategy fund will still be 80% indexed, but we've de...
by peppers
Tue Nov 21, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 up 1.85% in first four days of 2017
Replies: 13
Views: 2471

Re: S&P 500 up 1.85% in first four days of 2017

dwickenh wrote:
Tue Nov 21, 2017 4:08 pm
Trying to remember my guess for the S&P at years end=- does anyone remember the name of the post where we guessed?
viewtopic.php?f=10&t=206949&hilit=Boglehead+contest
by peppers
Sat Nov 04, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11465

Re: Got an iPhoneX

matjen wrote:
Sat Nov 04, 2017 12:14 pm
Finally we were able to get the iPhone X photo uploaded... :twisted:

Image
Where's the "umbrella man"? :wink:
by peppers
Sun Oct 22, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 4961

Re: What service do you pay for that you could easily do yourself?

Toons wrote:
Sat Oct 21, 2017 5:12 pm
Changing oil in autos. :happy

Same here. The ol' sciatica seems to flair up every 3000 - 4000 miles. :wink:
by peppers
Sat Sep 23, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: IRS Letter
Replies: 6
Views: 734

Re: IRS Letter

A few years ago we received a letter from the IRS stating we had underpaid our taxes. Our CPA went through the return, found no discrepancies, and responded via email. The IRS looked into it and the error was on their end. It was resolved in a few weeks. No additional taxes due.
by peppers
Sat Sep 23, 2017 7:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9900

Re: Bogleheads you would most like to meet and why?

sscritic

We could talk about our grandchildren and Chinese soap operas over a plate of lo mein.
by peppers
Sun Sep 10, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 94
Views: 18537

Re: Two Comma Club

Sandtrap wrote:
Sun Sep 10, 2017 10:45 am
Congratulations :sharebeer

Does the Bogleheads Forum have a 3 (three) Comma Club? :shock:
Well, if you take the case of a married couple and each spouse has 2 comma's in "their" individual portfolio, they would be in the 4 comma club. :happy
by peppers
Fri Sep 01, 2017 3:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 18394

Re: [Are the Bogleheads] getting less interesting?

sreynard wrote:
Fri Sep 01, 2017 1:44 pm
peppers wrote:
Thu Aug 31, 2017 4:42 pm
What's facebook?
Is it like face-palm? :oops:
More like 捂臉 as sscritic would say.
by peppers
Sun Aug 20, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14668

Re: I own no international stocks. Can you guess why?

Taylor is not old. He is simply advancing along in the maturation process.
by peppers
Sun Aug 20, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14668

Re: I own no international stocks. Can you guess why?

ummm........probably purchased a Lagoon 440.
by peppers
Sun Aug 13, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2550

Re: For those switching to Chrome from Firefox

Toons wrote:
Sun Aug 13, 2017 2:19 pm
Chrome/ChromeBook
Lighting Speed
Agree ⚡️
by peppers
Sat Aug 12, 2017 7:30 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 202
Views: 166196

Re: Please Try Out Test Posts Here

🌶 👿⏎ ⏎ ⏎
by peppers
Sun Jul 23, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 9420

Re: Investing Education and Mansplaining

Speaking as a father of 4, when graduation came, investing and retirement planning were not on the to do list. Long range planning usually involved the social agenda for the following weekend. You're only 22 once.
by peppers
Sat Jul 08, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Illinois Partial Year tax increase
Replies: 19
Views: 3169

Re: Illinois Partial Year tax increase

If anyone is interested, here is a link to a history of Illinois state income tax.

http://www.revenue.state.il.us/TaxRates ... rYears.htm
by peppers
Sun Jun 18, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 15787

Re: Anyone else gotten totally bored with investing?

Well, one could try running with the bulls.....in Pamplona.... :happy
by peppers
Tue Jun 13, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 14795

Re: Who takes financial chances and why is this forum so financially conservative?

I will be visiting a betting establishment and participate in some games of chance.

Does that count?
by peppers
Fri Jun 09, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg Invest Spotlight: Cliff Asness
Replies: 18
Views: 1500

Re: Bloomberg Invest Spotlight: Cliff Asness

A very interesting interview which I enjoyed. Thanks for posting.

P.S. Grok87, you're scarin' me. :wink:
by peppers
Tue May 30, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: how do you invest the bond portion of your portfolio
Replies: 19
Views: 2219

Re: how do you invest the bond portion of your portfolio

We use an investment grade bond fund that seeks to match the Barclays Capital US Government/Credit Bond Index and a capital preservation and income fund that invests in stable value contracts.
by peppers
Sat Apr 22, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 60
Views: 5719

Re: LMP-1: P&I article on corporate & public pension plans

We will have one corporate pension and one public pension. Currently the corporate pension gets a one percent annual increase and the public pension gets a three percent annual increase. Our retirement portfolio is about 45/55 equity to fixed income with contributions going 50/50 into total stock ma...
by peppers
Sat Apr 15, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: New contributions after making number, aggressive or conservative?
Replies: 30
Views: 2581

Re: New contributions after making number, aggressive or conservative?

We never had a number per se, just investing half in equity and half in fixed income. After 40 some years we appear to be in a comfortable spot.
by peppers
Sat Apr 15, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Is Growing Faster Than Everybody Else Combined]
Replies: 34
Views: 2899

Re: NYT article on Vanguard

This might be what a poster was referring to about Fidelity.

viewtopic.php?t=203570
by peppers
Sat Apr 08, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 5771

Re: Vanguard Taking-In $2 Billion a Day in New Cash

For anyone keeping score at home, a list of global assets under management. The page notes that Vanguard crossed 4 trillion in March 2017.

http://www.relbanks.com/rankings/largest-asset-managers
by peppers
Sun Apr 02, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4922

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

We have been with Vanguard for 25 years. I've contacted them by email or phone....4 or 5 times.
by peppers
Sat Mar 11, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Important Bear Market Signal sent
Replies: 19
Views: 3475

Re: Important Bear Market Signal sent

Valuethinker - duly noted; will bookmark for review on May 2018.
by peppers
Sat Feb 25, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing frequency - Balanced funds
Replies: 11
Views: 1369

Re: Rebalancing frequency - Balanced funds

Here is a link to a Vanguard paper on rebalancing. It might be of interest.

https://www.vanguard.com/pdf/icrpr.pdf
by peppers
Sat Feb 25, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k AA - no Total Market Fund option
Replies: 15
Views: 1156

Re: 401k AA - no Total Market Fund option

I have to believe that if an individual is at 80/20 or 78/22 or 82/18 then they are close enough. Horseshoes and hand grenades and all that.
by peppers
Wed Feb 22, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 12561

Re: anguard opens special offices for $1 million clients

Interesting... Although personally, I've never even called Vanguard on the phone. Everything has been accomplished online or in the mail. Unless they're going to offer a place where I can make cash deposits, medallion signature guarantees on securities, or free coffee/pastries while I chat with a r...
by peppers
Wed Feb 22, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 13181

Re: For people who think the market is going to crash, where along the continuum are we?

I'm a total "newbie" to financial investment things. But I can perhaps look at it from the viewpoint of someone in Real Estate development, retired. Right now there's the tail end of a real estate bubble of sorts. But not so much as a "pop" that's coming but more like everything...
by peppers
Tue Feb 21, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1117652

Re: U.S. stocks in freefall

I'm selling all stock and buying cigars; time for a commodity play. I have the invoices where I paid $17.50 for Siglo VIs in 2008. This is the price for 2016 Siglo VIs. http://img.photobucket.com/albums/v17/earlcamembert/Siglo%20VI_zpszg0wox03.gif Cigars increase 10% a year if aged properly. I'm mo...
by peppers
Mon Feb 13, 2017 8:32 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 4856

Re: The Ned Said Effect strikes again

As my mentor told me many, many years ago..."although we may falter,we never fall." :happy
by peppers
Sun Feb 12, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 4856

Re: The Ned Said Effect strikes again

Ned, do you anticipate making any tactical moves prior to the end of the 1stQ 2017 ? :)
by peppers
Sun Feb 12, 2017 11:51 am
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 4533

Re: [Bogleheads Sites Are Ad-Free]

nisiprius wrote:Mel, how would ads affect our 501(c) status? The IRS officially recognizes the Bogleheads website as "educational" in nature.


That was my first thought when I saw this.
by peppers
Mon Jan 30, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 133
Views: 33948

Re: Vanguard's Wellesley Income fund is incredible

Yes, it is a good fund. However... You have been looking at historic performance. The problem with this is that it includes a very long bull market in bonds. However, interest rates are now low, and while they may or may not go up from here, they certainly cannot repeat the results from 1980 to 201...
by peppers
Sat Jan 28, 2017 12:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Year of the Rooster
Replies: 4
Views: 779

Year of the Rooster

Happy New Year to all our Chinese Bogleheads.

:wink: Siri
by peppers
Sat Jan 21, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard TR or balanced index fund???
Replies: 28
Views: 2580

Re: Vanguard TR or balanced index fund???

You say you are a "set it and forget it" kind of guy and 20-25 years until retirement. I would suggest going with the Balanced Index Fund for now. In the years to come, if you feel the need for some international exposure you can do it then. The Vanguard Life Strategy and Target Retirement...
by peppers
Sat Jan 21, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Help needed in my 401K investing
Replies: 13
Views: 1421

Re: Help needed in my 401K investing

If you are comfortable using VINIX and VEXAX in your proposed portfolio, then you are good to go. In the end, it all comes down to sticking to the plan. :)

We are a few decades older and have about 75% in Total Stock Market and 25% in Extended Market on the equity side.
by peppers
Mon Jan 16, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6877

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: 6877

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: 91
Views: 9194

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: 1617
Views: 290527

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: 3124
Views: 920524

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: 2485

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: 9528

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: 6683

Re: My Bonds Are Enraging Me

Look at the bright side. The markets closed early.