Search found 1405 matches

by peppers
Mon Dec 19, 2011 5:19 pm
Forum: Investing - Theory, News & General
Topic: Bond funds and rising interest rates
Replies: 9
Views: 2249

Re: Bond funds and rising interest rates

I can't speak for Nisiprius, but we have been in the Vanguard stock /bond index funds since 1994. We contribute to them regularly via 401k and IRA's. We consider the index funds to be part of our permanent portfolio. (No, not that Brown guy's permanent portfolio.)
by peppers
Mon Dec 19, 2011 4:48 pm
Forum: Personal Consumer Issues
Topic: It's December the 19th and the stores are over Christmas?
Replies: 12
Views: 1999

Re: It's December the 19th and the stores are over Christmas

My wife, aka the Black Swan, and her sister the Zebra Swan went gift shopping yesterday. Upon returning, I was told of the unbelievable bargains 60% - 70% off, crowded stores, and the blur of plastic cards streaming thru the registers. Many items were purchased for the adult children and grandchildr...
by peppers
Mon Dec 19, 2011 8:49 am
Forum: Investing - Theory, News & General
Topic: Grok's Tip #11: Take Grok's pledge!
Replies: 162
Views: 27667

Re: Grok's Tip #11: Take Grok's pledge!

I do. The last time I said that I was standing in a church and that merger has been working out just fine.
by peppers
Sun Dec 18, 2011 1:10 pm
Forum: Investing - Theory, News & General
Topic: Part 2: Fears of Soaring Rates are Overblown
Replies: 42
Views: 4358

Re: Part 2: Fears of Soaring Rates are Overblown

After reading through Rick's articles and these threads there is nothing reassuring about the current state of interest rates and fixed income investments. We are all doomed. Practically all fixed-income investments are yielding 0% or less on a real basis, and equities are probably doomed to negati...
by peppers
Sun Dec 18, 2011 11:23 am
Forum: Investing - Theory, News & General
Topic: Why a 4% of RPB is much safer than a 3% I.A. SWR....
Replies: 63
Views: 4712

Re: Why a 4% of Portfolio Balance is much safer than a 3% WR

My wife and I helped support 3 parents (passed) and one still with us thank God. I believe that when our time comes to retire, we will need more than the 1mil figure being discussed. I say this with all due respect to the posters on the forum. There are way too many variables in the retirement lifes...
by peppers
Thu Dec 15, 2011 9:37 pm
Forum: Investing - Theory, News & General
Topic: Are they really affluent???
Replies: 34
Views: 5122

Re: Are they really affluent???

I pointed out the data on this thread to my wife and said "..see dear, we're affluent". She replied "..that's nice, now don't stay up too late on the computer because you have to get up early to go to work tomorrow." :?
by peppers
Thu Dec 15, 2011 8:23 pm
Forum: Investing - Theory, News & General
Topic: Part 2: Fears of Soaring Rates are Overblown
Replies: 42
Views: 4358

Re: Part 2: Fears of Soaring Rates are Overblown

You present a solid argument Mr. Ferri. And yes, I believe rates will rise but very small and incrementally. My tea leaves point to some time in 2015. Care to wager a cup of coffee? :)
by peppers
Thu Dec 15, 2011 7:36 pm
Forum: Personal Consumer Issues
Topic: Do you exchange gifts with your wife?
Replies: 41
Views: 4385

Re: Do you exchange gifts with your wife?

My wife can get whatever she wants 365 days a year. As for me, I have her and I don't want anything else. :)
by peppers
Sat Dec 10, 2011 2:06 pm
Forum: Investing - Theory, News & General
Topic: Trading at the Speed of Light
Replies: 34
Views: 2598

Re: Trading at the Speed of Light

If any group can find a way around the laws of physics, my money is on the Wall Street crowd.
by peppers
Sat Dec 10, 2011 11:55 am
Forum: Investing - Theory, News & General
Topic: World distribution of Ultra High Net Worth wealth
Replies: 19
Views: 3917

Re: World distribution of Ultra High Net Worth wealth

Why are the rich in North America so poor? There are 8,000 + more rich people in NA than in Europe, but these fewer Europeans hold an extra $600 billion in wealth. I leave it to you to do the math as to the averages in the two areas, but even with Carlos Slim, NA is just a bunch of losers. What abo...
by peppers
Mon Dec 05, 2011 6:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19464
Views: 2695920

Re: U.S. stocks in freefall

The dreaded "Johnny-Johnny-Whoops-Johnny" formation that has infallibly preceded every occurrence of the month of March, 2009 has just appeared yet again for the second time in history, but a thousand points lower this time. This augurs a likely retrograde motion unless the sesquisquare-8 harmonic ...
by peppers
Sat Dec 03, 2011 7:53 am
Forum: Investing - Theory, News & General
Topic: Why stocks took big jump this week
Replies: 11
Views: 2064

Re: Why stocks took big jump this week

Don't know why or how you could possibly come to that conclusion... Ok, I'm confused. You seem to be saying in your blog post that markets swing in the short term as "Stage One" thinkers make knee jerk reactions to events. If this were true than it seems to me a "Stage Two" capable thinker should b...
by peppers
Wed Nov 30, 2011 6:38 pm
Forum: Investing - Theory, News & General
Topic: I wonder if there would be zero posts if...
Replies: 24
Views: 2666

Re: I wonder if there would be zero posts if...

Perchance these clattering of hooves are the bulls stirring from their slumber? Never mind, just some fat guy on the roof with a bunch of reindeer.
by peppers
Tue Nov 29, 2011 10:56 pm
Forum: Investing - Theory, News & General
Topic: How Long Can You Wait for a Bull Market?
Replies: 90
Views: 7766

Re: How Long Can You Wait for a Bull Market?

Wait for the bull market? I went all in back in March 2009. (If you believe that, then you also believe the the Chicago Cubs will win the World Series next year). ;-) Congratulations on your superb market timing! :sharebeer By the way, I *DO* believe that the Cubbies will win the World Series next ...
by peppers
Mon Nov 28, 2011 9:03 pm
Forum: Personal Investments
Topic: Defer taking pension after retiring?
Replies: 20
Views: 1825

Re: Defer taking pension after retiring?

My wife and I are 59 & 58: Wife: Pension, (No lump sum option) TIRA, Roth Me: Pension or lump sum, 401k, TIRA Roth I have done the online calculations re lump sum and found that if I were to opt for the monthly pension I would have to live for 15-16 years for it to be more than taking the lump sum. ...
by peppers
Mon Nov 28, 2011 6:55 pm
Forum: Investing - Theory, News & General
Topic: How Long Can You Wait for a Bull Market?
Replies: 90
Views: 7766

Re: How Long Can You Wait for a Bull Market?

Wait for the bull market? I went all in back in March 2009. (If you believe that, then you also believe the the Chicago Cubs will win the World Series next year). ;-)
by peppers
Mon Nov 28, 2011 6:38 pm
Forum: Investing - Theory, News & General
Topic: What would a so-called bonds 'meltdown' look like?
Replies: 59
Views: 3891

Re: What would a so-called bonds 'meltdown' look like?

From bond meltdown to history of bonds to generator specifications. :thumbsup I love you guys...
by peppers
Mon Nov 28, 2011 5:52 pm
Forum: Investing - Theory, News & General
Topic: How will what is happening in Europe effect us?
Replies: 5
Views: 742

Re: How will what is happening in Europe effect us?

Billy Pilgrim wrote:How what is happening to the European economy going to effect us? I know it will be bad but is there any way to prepare for the damage?
"...may you live in interesting times..." an old Chinese saying I believe
by peppers
Fri Nov 25, 2011 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Let's whine about "unexpected" expenses
Replies: 66
Views: 6194

Re: Let's whine about "unexpected" expenses

Let's begin: July 16th Son's wedding 20k+ (Wife said the other side is hurting) July 29 Car died 14k+ (Wife said she gets it, I get the old one) Sept 7th Clothes washer blows out, floods basement ( Wife says we might as well get a new clothes dryer too) Sept 7th $1700 see above Aug 1st $600 for new ...
by peppers
Thu Nov 24, 2011 10:02 am
Forum: Investing - Theory, News & General
Topic: Becoming bummed out about saving
Replies: 16
Views: 2219

Re: Becoming bummed out about saving

Fear not citizens. For when the time comes, our leaders in Washington will step up, assume the mantle of leadership and proceed to kick the can down the road...again. My leader in the kitchen is calling. Something about peeling potatoes. Happy Thanksgiving all.
by peppers
Wed Nov 23, 2011 12:18 pm
Forum: Personal Consumer Issues
Topic: High hopes
Replies: 1
Views: 385

High hopes

For those old enough to remember the ant and rubbertree plant We got looow rates... We got looow rates... We got, low as you possibly can go rates, So when France don't wanna go, Germany's sayin' no, And China has closed the bank, Oops there goes another basis point, Oops there goes another basis po...
by peppers
Wed Nov 23, 2011 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Are Coming
Replies: 7
Views: 1318

Re: Capital Gains Are Coming

Nice bump on the treasuries, COLA on SS in 2012, looks like grandama is gonna have a nice holiday season.
by peppers
Tue Nov 22, 2011 7:54 pm
Forum: Investing - Theory, News & General
Topic: The best strategy is to avoid equities in retirement
Replies: 29
Views: 3364

Re: The best strategy is to avoid equities in retirement

we have zero chance of ever running out of money unless we become immortal. ... Well, that is why 100% anything is probably never a good idea. You never know what black swans the future may hold for any given portfolio. Black Swans could be positive as well as negative. A possible positive Black Sw...
by peppers
Mon Nov 21, 2011 4:54 pm
Forum: Personal Consumer Issues
Topic: Best Way To Roast A Turkey
Replies: 30
Views: 3982

Re: Best Way To Roast A Turkey

Just a thought. When my son cooks the bird, he places a full size orange, whole, rind and all, inside. Cooks it pretty much the way you do. Moist and tender when it's done, and a hint of orange flavor in the meat. It works.
by peppers
Sun Nov 20, 2011 9:37 pm
Forum: Forum Issues and Administration
Topic: Is this forum becoming dumb
Replies: 65
Views: 11001

Re: Is this forum becoming dumb

One man's opinion. To those that have spent their careers in finance or others that just find investing a fascinating subject to debate I can appreciate that yes there are a lot of same ol' same ol' Q & A. On the other hand, I know that there are a lot of individuals out there that are trying to get...
by peppers
Sun Nov 20, 2011 7:48 am
Forum: Investing - Theory, News & General
Topic: If Europe blows up how will it affect Vanguard funds?
Replies: 28
Views: 3175

Re: If Europe blows up how will it affect Vanguard funds?

Good morning all. Just my $.02, we didn't cut and run in 1987, 2000-02, or 2008-09. We have no intention of changing any of our positions at Vanguard or Fidelity. Then again I was born in May, (Zodiac sign - Taurus-Bull). :wink:
by peppers
Sat Nov 19, 2011 9:00 am
Forum: Personal Investments
Topic: "Investors fleeing European banks and debt"
Replies: 8
Views: 1160

Re: "Investors fleeing European banks and debt"

What do you guys think about this: http://www.nytimes.com/2011/11/19/business/global/lenders-flee-debt-of-european-nations-and-banks.html?hpw I "think" that we are (have been) navigating through a troubled course * since 2008. How does that affect my investing approach... not hugely. * an attempt t...
by peppers
Sat Nov 19, 2011 8:52 am
Forum: Personal Consumer Issues
Topic: Peoria, IL (Drive from Chicago)
Replies: 36
Views: 4158

Re: Peoria, IL (Drive from Chicago)

You might be planning to do this already but keep an eye on the weather reports. We had that little dusting of snow back in February. About 21 inches of snow and close to a million people lost power at some point. Nothing us midwesterners can't handle. :wink:
by peppers
Tue Nov 15, 2011 10:04 pm
Forum: Investing - Theory, News & General
Topic: Bond allocation for age and rising rates
Replies: 34
Views: 3654

Re: Bond allocation for age and rising rates

Our $.02. Started investing in stocks and bonds in 1979. Got religion and joined the Church of Vanguard Indexing in 1994. We are 59 & 57. We maintain our contibutions to all of our retirement plans and increase when we are able. Our asset allocation has been and is currently 50/50 total stock and to...
by peppers
Tue Nov 15, 2011 7:13 pm
Forum: Investing - Theory, News & General
Topic: GMO 7-Year Real Return Forecast
Replies: 24
Views: 2717

Re: GMO 7-Year Real Return Forecast

It might be a reference to the old parable of a pharoah in Egypt had a dream where seven large, healthy cows were eaten by seven sickly cows. The pharoah asked his advisors what could it mean? No one had a good explanation. Finally, a young boy offered that Egypt would have seven good years of abund...
by peppers
Sun Nov 13, 2011 11:53 am
Forum: Investing - Theory, News & General
Topic: How a financial planner lost his home
Replies: 203
Views: 18804

Re: How a financial planner lost his home

Yes, by all means leverage up with reckless abandon. Then when the proverbial manure hits the rotating blade, find God, get religion, express deep remorse for having dragged your family through the muck and mire.....and proceed to write your tale of woe. Your fellow authors will laud you for it.
by peppers
Sat Nov 12, 2011 9:06 pm
Forum: Personal Investments
Topic: Advice on IRA and Roth IRA mix
Replies: 16
Views: 1309

Re: Advice on IRA and Roth IRA mix

Bob (or whatever your name is), Interesting point you make on later in retirement. A scary thought. As for the young couple, no they don't make $300K and yes they would be financially eligible for direct Roth. But far be it from me to convince one's offspring to commit that much of what is otherwis...
by peppers
Fri Nov 11, 2011 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Where are mortgage rates headed?
Replies: 16
Views: 1790

Re: Where are mortgage rates headed?

We bought our house back in 1983. 30 year fix at 12.25%....and I vaguely remember that we would have to surrender our first born if the child was male. :)
by peppers
Thu Nov 10, 2011 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: 401k horror story of the day
Replies: 11
Views: 3164

Re: 401k horror story of the day

Our company's 401k is w/Fidelity. It includes Large Mid & Small cap index, Bond index, Global and International index. ER's run from 0.20% to 0.27%. The 2010 SPD breaks down percentages for investment management fees, administrative, trustee and record keeping.I thought these were high until I saw O...
by peppers
Thu Nov 10, 2011 10:02 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market; GNMAs; TIPS and Inflation
Replies: 48
Views: 8326

Re: Total Bond Market; GNMAs; TIPS and Inflation

Bond novice here. Fully respect everyone's point of view. But after viewing this post multiple times are we not comparing apples vs oranges in a sense? Yes they are bonds. agree. The rub for me comes down to TBF(index) vs GNMA(re sector) vs TIPS(inflation hedge). Gimme a minute to put on helmet and ...
by peppers
Thu Nov 10, 2011 7:29 pm
Forum: Investing - Theory, News & General
Topic: Preserving Wealth
Replies: 22
Views: 4023

Re: Preserving Wealth

"Future scenarios" is humbug, in my opinion. We're not living in the world of the Jetsons. Neither are we living in the world of Orwell's Nineteen Eighty Four . Not Jack London's The Iron Heel . Not Edward Bellamy's Looking Backward . Not Fritz Lang's Metropolis . Not H. G. Wells' Things to Come. N...
by peppers
Mon Nov 07, 2011 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Just found out that I'm going to be a Father. Now What?
Replies: 46
Views: 4980

Re: Just found out that I'm going to be a Father. Now What?

Not financial advice but savor the time when you have them at home. Day care, diapers, sports, band,grade school, high school, college and they move on. Trust me, the time you spend with them and being there for them as a father passes way too quickly. And as expensive and stressful parenting can be...
by peppers
Mon Nov 07, 2011 7:42 pm
Forum: Investing - Theory, News & General
Topic: Dr Timer or: How I Learned to Stop Worrying and Love the Dow
Replies: 60
Views: 4694

Re: Dr Timer or: How I Learned to Stop Worrying and Love the

I just love the camaraderie and friendly banter on this forum. It's why i keep comin' back. :)
by peppers
Mon Nov 07, 2011 7:27 pm
Forum: Investing - Theory, News & General
Topic: Your portfolio is too tied to the stock market
Replies: 45
Views: 4065

Re: Your portfolio is too tied to the stock market

I don't have any issues with investing in the markets. Now, when the wife goes shopping...that has Black Swan potential.
by peppers
Sun Nov 06, 2011 7:04 pm
Forum: Personal Investments
Topic: Bogleheads 10 Report?
Replies: 5
Views: 748

Re: Bogleheads 10 Report?

Just finished reading the report. A very good piece of work.
by peppers
Sun Nov 06, 2011 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Finances after marriage
Replies: 47
Views: 3953

Re: Finances after marriage

My wife and I have been together 30 years. We have a simple Ying / Yang philosophy. I save and invest and she spends. It works.
by peppers
Sun Nov 06, 2011 12:30 pm
Forum: Investing - Theory, News & General
Topic: Center for Retirement Research at Boston College Paper
Replies: 6
Views: 1044

Re: Center for Retirement Research at Boston College Paper

A very interesting article. The eye opener was in Table 6. An individual at age 45 having to save 53% of income with a 4% rate of return. I have to forward this piece to all of my adult children. They will all have to get a second job. But the article also says: 8 A more sophisticated analysis woul...
by peppers
Sun Nov 06, 2011 8:35 am
Forum: Investing - Theory, News & General
Topic: No Mortgage more Stocks?
Replies: 9
Views: 1090

Re: No Mortgage more Stocks?

I agree with you. The "have mortgage..don't pay off mortgage...a house is your home not an investment...consider your house part of your AA " discussions can be very loud at times. Having said that, we paid off our mortgage a long time ago and increased our 401k and IRA contirbutions. Our AA has bee...
by peppers
Sun Nov 06, 2011 8:20 am
Forum: Investing - Theory, News & General
Topic: Center for Retirement Research at Boston College Paper
Replies: 6
Views: 1044

Re: Center for Retirement Research at Boston College Paper

A very interesting article. The eye opener was in Table 6. An individual at age 45 having to save 53% of income with a 4% rate of return. I have to forward this piece to all of my adult children. They will all have to get a second job.
by peppers
Sat Nov 05, 2011 6:02 pm
Forum: Investing - Theory, News & General
Topic: a significant flaw in standard Boglehead asset allocation?
Replies: 152
Views: 10815

Re: a significant flaw in standard Boglehead asset allocatio

Interesting debate. So if I understand correctly: My wife and I paid off the mortgage 5 years ago. So our AA consists of stocks/bonds. The house is our home and if we ever decide to sell we get the market price at that time. If we never sell the kids make out like bandits. Am I missing something? :?
by peppers
Sat Nov 05, 2011 10:35 am
Forum: Investing - Theory, News & General
Topic: Thoughts on Value Investing
Replies: 27
Views: 2220

Re: Thoughts on Value Investing

Yes, human emotion. And as the value of the AAPL investment grew to 800k, 900k, 1 mil ...what next? As the bard said "therein lies the rub." :?
by peppers
Fri Nov 04, 2011 5:55 pm
Forum: Wiki and Reference Library
Topic: Books (--> Wiki)
Replies: 63
Views: 110894

Re: Books

I really enjoyed "The Little Book of Common Sense Investing." And after reading "The Battle for the Soul of Capitalism" and "Enough" I have determined that they will be required reading for my adult children and soon after my grandchildren. Currently I am reading "Don't Count On It" and next up will...
by peppers
Wed Nov 02, 2011 5:49 pm
Forum: Investing - Theory, News & General
Topic: MF global: tell me again how Vanguard is safe from fraud?
Replies: 43
Views: 5148

Re: MF global: tell me again how Vanguard is safe from fraud

So I go to work today and hear several co-workers want to sell everything and pull all the money out of their 401k's because of the situation in Greece. It took some time but I was able to bring 'em in off the window ledge. I get home, warm up a cup of coffee and I see this thread. I can't wait to g...
by peppers
Tue Nov 01, 2011 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ultimatum Game - Your vote
Replies: 75
Views: 4956

Re: Ultimatum Game - Your vote

..."show me the money"... :)