Search found 839 matches

Return to advanced search

Re: TV show recommendations?

watching 3rd season of Bored to Death - funniest thing on television
by bengal22
Sun Apr 26, 2015 6:43 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 338
Views: 147786

Re: Tilting

I tilt heavily towards small and value. However, I often wonder why active managers under perform the s&p 500. Do they tilt? I understand the historical data behind small and value but why then haven't active managers been able to simply tilt and beat the market? Thx I would suspect the reason ...
by bengal22
Sat Apr 25, 2015 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Tilting
Replies: 35
Views: 1576

Re: Tilting

I tilt heavily towards small and value. However, I often wonder why active managers under perform the s&p 500. Do they tilt? I understand the historical data behind small and value but why then haven't active managers been able to simply tilt and beat the market? Thx I would suspect the reason ...
by bengal22
Sat Apr 25, 2015 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Tilting
Replies: 35
Views: 1576

Re: Tough to get a mortgage while retired?

I did not have a problem being retired and buying a house. I think if you have enough assets and no credit issues you will find someone to give you a good mortgage rate.
by bengal22
Sat Apr 25, 2015 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough to get a mortgage while retired?
Replies: 26
Views: 2219

Re: Who still have Cable TV?

I think a more important measurement is what do we pay for telephone, cell phones, internet, and television. Currently, I have a bundled housephone, cable TV, and internet, plus cell phones. Since we enjoy streaming(wife likes Hallmark stuff, some detective shows, and I like sports). We are looking ...
by bengal22
Fri Apr 24, 2015 7:46 am
 
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 2707

Re: Do you Bogleheads really follow the 3-4% SWR rule?

No I don't. For one reason the onset of Social Security income will have changed the need for withdrawals before and after that change. SS is not the only financial factor that changes at some point in time. There have been and will be changes is expenses that have to be supported. One can anticipa...
by bengal22
Thu Apr 23, 2015 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 47
Views: 3546

Re: Age in Bonds Poll

age - 13 but I have a pension and future S.S. to supplement, I am in stocks for the long haul.
by bengal22
Thu Apr 23, 2015 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3607

Re: TV show recommendations?

abuss368 wrote:Finished "House of Cards" on Netflix. Is another season going to be released?


yes
by bengal22
Thu Apr 23, 2015 2:02 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 338
Views: 147786

Re: Do you Bogleheads really follow the 3-4% SWR rule?

coachz wrote:What are some of the though processes they use please ?

jebmke wrote:I have said before, I know a lot of retirees and not one of them uses a mathematical method to draw from assets.


See above :happy
by bengal22
Thu Apr 23, 2015 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 47
Views: 3546

Re: Do you Bogleheads really follow the 3-4% SWR rule?

I do not follow a 3-4% SWR rule. In fact, I would be hard pressed to know what my WR really is. I have a reduced private pension(thanks to government), distributions from my taxable accounts, and fun work income(4K). When there is a shortfall of funds to match expenses, I pull from my taxable accoun...
by bengal22
Thu Apr 23, 2015 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 47
Views: 3546

Re: Marriage and splitting expenses

We have a rule that solves the splitting expenses issues: "What is mine is hers and what is hers is hers."
by bengal22
Thu Apr 23, 2015 6:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6536

Re: What age did your Net Worth first equal 10,000x your Wei

I follow Mr. Bogle's advice on never peeking at your weight. I know my net worth but have no idea what I weigh.
by bengal22
Wed Apr 22, 2015 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did your Net Worth first equal 10,000x your Weight?
Replies: 48
Views: 3119

Re: Taking Care Of Leaves

I did it with a rake and a sheet and I carried it to the street where they sucked it up. Plus I mulched most of the area with the mower.
by bengal22
Tue Apr 21, 2015 10:35 am
 
Forum: Personal Consumer Issues
Topic: Taking Care Of Leaves
Replies: 18
Views: 1274

Re: Anyone here experience a change to a "right to work" sta

This will be a hard one to not make a political issue but I do know that union membership in private industry has been suffering a large decrease in the past 15 years. I live in a non-right to work state and many union members have seen layoffs or plant closings. I think it will be hard to predict f...
by bengal22
Sun Apr 19, 2015 10:31 am
 
Forum: Personal Consumer Issues
Topic: Anyone here experience a change to a "right to work" state
Replies: 14
Views: 1435

Re: Bernstein: "If you've won the game, stop playing."

I agree with Taylor's comments above. But, I think the concept of "winning the game" is nebulous at best. There is the winning that involves surviving, there is a winning that involves surviving with a certain level of frills, and there is a winning that involves fulfilling your dream of w...
by bengal22
Fri Apr 17, 2015 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14759

Re: Do you wish you retired earlier?

No, but I have kind of eased into it. I retired from a mega-corp at 56(drawing pension) but I then worked out of state for four years, retired again, and then last year had a 6 month job out of country. Now I volunteer at taxes and work at a golf course in the summer(low pay with plenty of golf). I ...
by bengal22
Thu Apr 16, 2015 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you wish you retired earlier?
Replies: 28
Views: 3571

Re: Vehicle for tall people/Spouse wants 50k car help!

I am 6 foot 5 and loved my Tahoe and Avalanche . There is plenty of head and leg room in both the front and back seat. Plus, I have had no problems with quality or reliability. I think the japanese perceived edge in quality is a myth.
by bengal22
Tue Apr 14, 2015 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5533

Re: Record keeping with Excel

I do a simple balance sheet that I update monthly. I split it out by taxable, non-taxable, investment sum, house, total, liabilities, net worth. I do some formulas of investments to track performance on investment accounts(non-cash) to compare with benchmarks - Vanguard Target 2015,2020, Vanguard s&...
by bengal22
Mon Apr 13, 2015 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Record keeping with Excel
Replies: 19
Views: 1556

Re: Should I buy extended warranty for our new Toyota Sienna

Hi, We just bought a new Toyota Sienna for our growing family. The sale manager applied tons of pressure to get us to purchase the extended warranty for the new car for the reason that there are so many electronics in the car that's basically waiting to break. We did pretty much get all the options...
by bengal22
Thu Apr 09, 2015 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 3251

Re: What Movie Have You Recently Watched?

I watched Robert Altman's The Player this morning (for perhaps the 10th time). One of the best films ever made about Hollywood. Also, it probably has the most A-List celebrity cameos in the history of film. When The Player first came out I really liked it and recommended it to a friend. A few weeks...
by bengal22
Mon Apr 06, 2015 2:55 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 773
Views: 104047

Re: Mohamed El-Erian Has Most of His Money in Cash

Do not confuse him with Leon Russell. I have to admit I do not understand or remember the Leon Russell reference but I do have to say that I saw him in concert last week and he was great. While he walks with a cane, and has many health issues, he can still bang on the piano and sing away for 90 min...
by bengal22
Mon Apr 06, 2015 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7631

Re: Mohamed El-Erian Has Most of His Money in Cash

Do not confuse him with Leon Russell. I have to admit I do not understand or remember the Leon Russell reference but I do have to say that I saw him in concert last week and he was great. While he walks with a cane, and has many health issues, he can still bang on the piano and sing away for 90 min...
by bengal22
Mon Apr 06, 2015 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7631

Re: What Movie Have You Recently Watched?

Monte Walsh starring Tom Selleck, a western addressing the end of the cowboy era in the west. I really enjoyed this as did my wife. I thought it starred Lee Melvin. Was there a remake? I meant Lee Marvin. Google tells me the one with Tom Selleck is a recent TV movie while the Lee Marvin was one fro...
by bengal22
Sun Apr 05, 2015 6:54 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 773
Views: 104047

Re: Asset Allocation Calculation Question: Cash & Other

80.31% Stock
12.46% Bond
2.74% Other
4.49% Cash.

That is how I would characterize it unless I had more info on what "other" meant. I break mine down by stocks, bonds, cash.
by bengal22
Fri Apr 03, 2015 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation Calculation Question: Cash & Other
Replies: 9
Views: 737

Re: Has health coverage under ACA affected investment decisi

I believe the ACA subsidies definitely affects how you handle finances when you are in the pre-66 retiree age. Since so much of my portfolio is tied up with either taxable or non-taxable funds, I have to be careful where I get my expense monies. Too much capital gain and I end up with no subsidies. ...
by bengal22
Thu Apr 02, 2015 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Has health coverage under ACA affected investment decisions?
Replies: 21
Views: 2008

Re: News article: Vanguard Bets Big on Financial Advice

It still seems like .3% is a lot to charge for telling us to use index funds and to rebalance when needed. If Vanguard was truly owned by the investors why don't they tell us that information as a part of the service. Ah, maybe they are in this for the profit. Not in my opinion that there is anythin...
by bengal22
Wed Apr 01, 2015 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: News article: Vanguard Bets Big on Financial Advice
Replies: 24
Views: 3115

Re: What Movie Have You Recently Watched?

merrymonk19530 wrote:Monte Walsh starring Tom Selleck, a western addressing the end of the cowboy era in the west. I really enjoyed this as did my wife.

I thought it starred Lee Melvin. Was there a remake?
by bengal22
Wed Apr 01, 2015 7:21 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 773
Views: 104047

Re: Closing out my first 'snowbirding' winter

What if you split your time equally between 2 states. Which one is considered your state of residency? Can you prorate your state taxes, have to pay to both, if both have state tax? I think the strategy is to stay 6 months and 1 day in Florida so you do not pay state tax. That is legal. Just get yo...
by bengal22
Wed Apr 01, 2015 5:01 am
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10633

Re: how you rent condo or apetmen is it expensive

we go every january and now we see the same people at the condo and have a group that we hang with. it is so great to not have to shovel and instead we can walk the beach every morning. fantastic so you rent condo and stay is it expensive and is it easy out of state, can rent condo Yes we rent for ...
by bengal22
Tue Mar 31, 2015 11:42 am
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10633

Re: Implications of Marriage - she with debt and low income

Call_Me_Op wrote:
bengal22 wrote:One should marry for love.


Certainly. But this does not mean that if you believe you are in love you should get married.


yes I am sure there are circumstances where you shouldn't. Like if you're the daughter of an English Lord and you are in love with the chaueffer.
by bengal22
Mon Mar 30, 2015 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 71
Views: 6671

Re: Implications of Marriage - she with debt and low income

One should marry for love. The other stuff will work out if that ingredient exists. I find this thread a tad depressing. I don't find the OP's posts particularly depressing: OP and his girlfriend are in love and would like to 'legally be more than roommates'. Their desire for commitment is a given ...
by bengal22
Mon Mar 30, 2015 6:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 71
Views: 6671

Re: Implications of Marriage - she with debt and low income

One should marry for love. The other stuff will work out if that ingredient exists. I find this thread a tad depressing.
by bengal22
Sun Mar 29, 2015 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 71
Views: 6671

Re: Closing out my first 'snowbirding' winter

we go every january and now we see the same people at the condo and have a group that we hang with. it is so great to not have to shovel and instead we can walk the beach every morning. fantastic
by bengal22
Sat Mar 28, 2015 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10633

Re: Improving English Language Proficiency- Please suggest B

As we are on the topic of the English language, I am curious what's behind using they/them/their when the gender of a person is known from the context. I frequently see statements such as, for example, "I've met this girl and I liked their smile." This phrasing is common among recent grad...
by bengal22
Fri Mar 27, 2015 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3363

Re: Mortgage Debt in Retirement?

In retirement and still have mortgage. I could pay it off but at 3.25% I choose not to. For my situation I am better off with not pulling the monies from my portfolio.
by bengal22
Fri Mar 27, 2015 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Debt in Retirement?
Replies: 74
Views: 5270

Re: Improving English Language Proficiency- Please suggest B

I also believe when today's young people become President, Congressmen, CEO etc, they may prefer texting, short message English which many older people don't understand. I really look forward to a President who speaks Bingo. Not. Let us contrast "We hold these truths to be self-evident, that a...
by bengal22
Wed Mar 25, 2015 7:39 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3363

Re: Improving English Language Proficiency- Please suggest B

Elements of Style by Struck and White was recommend in the early 80's and it is still excellent.

Read some John Steinbeck as well for some examples of great writing.
by bengal22
Mon Mar 23, 2015 11:47 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3363

Re: Adding Small Value to Portfolio

Hi all, I have been using Rick Ferri's suggested Core Four for my portfolio (90/10), but wanted to add small value once the portfolio became a little larger. I'm wondering if this allocation makes sense, or if it feels like I've titled too much with REIT and Small Value: Total US Stock 50% Total Fo...
by bengal22
Mon Mar 23, 2015 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Adding Small Value to Portfolio
Replies: 6
Views: 825

Re: Vanguard Windsor II Fund

I have Windsor II in my taxable account and so I am hesitate about trading it and paying taxes on capital gains. It is an actively managed fund with a relatively low ER that seems to fall slightly below the performance of VG Total Stocks or 500 Index. That maybe due to the ER. So if you can handle t...
by bengal22
Mon Mar 23, 2015 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor II Fund
Replies: 11
Views: 1904

Re: Splitting a Food Tab on a Combined Birthday Lunch

Mathew and Mark pay $14 each
Luke and John pay $28 each

Divide into 6 shares - birthday boys have 1 each and non BB have 2 each
by bengal22
Sun Mar 22, 2015 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3905

Re: 15 vs 30 yr mortgage

I have had 4 mortgages and always went with the 15 years. Interest rate was always a little lower and I liked paying less interest over the life of the loan. While I am always on the invest rather than paying off the loan camp, i always went with the mortgage that was paid off quicker.
by bengal22
Sun Mar 22, 2015 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 80
Views: 6221

Re: How Do You Watch Television?

How can you only do one option.

I have cable and streaming devices.
by bengal22
Sun Mar 22, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 5855

Re: Overcontributed to Roth IRA

Maybe I did it wrong but I just took the excess Roth contribution and moved it to a regular IRA(before April 15th) and counted it as a regular IRA contribution for my taxes. Never had any ramifications from the IRS on doing this.
by bengal22
Sun Mar 22, 2015 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Overcontributed to Roth IRA
Replies: 7
Views: 473

Re: John Bogle's Don't Peek Challenge

I never peak at my investments but I do look at them(aggregate) daily and review monthly. I have no problem whatsoever not touching anything unless it is a once or twice rebalancing. I check daily because I enjoy and I am on the internet anyway. But one is a worrier or a tinkerer than maybe you shou...
by bengal22
Fri Mar 20, 2015 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 140
Views: 11753

Re: how often do you check performance?

I check daily because in an up market it is fun. And monthly I compare performance of portfolio to benchmarks - which is the Vanguard Target 2015 and also the coffeehouse and 3 fund portfolio on mudslingers(madsinger) reports. I think benchmarking is important because I do some tilting and I want to...
by bengal22
Wed Mar 18, 2015 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 4852

Re: interest rate increase looming. what you gonna do ?

mk1039 wrote:with interest rate expected to increase this year, what should be the strategy to handle that while our money is sitting in etfs/stocks ?


Play more golf.
by bengal22
Tue Mar 17, 2015 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6458

Re: Advice needed (work/bonus/career advice)

If you are that miserable leave. Bonus not worth it. Hopefully your next company is a better fit for you. If it isn't then maybe it is time for some self-reflection.
by bengal22
Sat Mar 14, 2015 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Advice needed (work/bonus/career advice)
Replies: 39
Views: 1939

Re: Understanding Your Net Worth

I've always felt net worth was a useful guide to how I was progressing financially. At retirement the focus shifts to income and expenses, but net worth is still an important number IMHO. I totally agree. If you do not know what you have how will you know how long it will last. I maybe retired and ...
by bengal22
Sat Mar 14, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Your Net Worth
Replies: 25
Views: 3597

Re: 86% of investment managers stunk in 2014

I think that the reason why 50% of active managers do not beat index funds in same category is because of..... 1. cost - expense of managing funds 2. cash - active funds probably carry a certain amount of cash for getting in and out of stocks If cost were equal and cash was always zero, I think acti...
by bengal22
Thu Mar 12, 2015 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: 86% of investment managers stunk in 2014
Replies: 22
Views: 2184
Next

Return to advanced search