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Re: Fidelity Premium

i have fidelity premium and all I have is a 401. i really did not know i had it. i do have access to a representative but I have not utilized his help.
by bengal22
Thu Feb 26, 2015 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1665

Re: Tax Quiz

80%. Flexible spending accounts are after my time, and I disagree about the worst mistake one. I am more worried about winding up in jail than missing a refund, so I think the worst mistake is if you owe, not filing on time. I assume that includes not sending in extension paperwork. I think the poi...
by bengal22
Wed Feb 25, 2015 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Quiz
Replies: 22
Views: 1291

Re: Tax Quiz

10/10. OP was correct that 2 of the hard questions were made easy by the intro. Would have missed the pet fostering and family loan.
by bengal22
Wed Feb 25, 2015 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Quiz
Replies: 22
Views: 1291

Re: Risk--Again. The common stepping stone

Risk to me is "the possibility of losing value or not achieving the needed value of an investment." Risk can either be 1)short term - day to day losses 2)medium term - maybe the length of a recession or a depression or 3)catastrophic loss - total loss of value(company out of business - com...
by bengal22
Tue Feb 24, 2015 9:32 am
 
Forum: Investing - Theory, News & General
Topic: Risk--Again. The common stepping stone
Replies: 51
Views: 2732

Re: Not clearing snow from driveway

At the very least you should shovel your sidewalk so that people that wish to walk in the neighborhood do not have to walk in the streets. Plus you always have the danger of getting your car stuck in the drive way. But please shovel your sidewalk if you have one. its the neighborly thing to do.
by bengal22
Sun Feb 22, 2015 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 5791

Re: AA Question

I do not include my pension in my AA. I think current or future income streams has influence on my risk/reward AA decision but I do not include them in my AA.
by bengal22
Sun Feb 22, 2015 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: AA Question
Replies: 4
Views: 350

Re: why do some people like Fidelity?

from http://en.wikipedia.org/wiki/Index_fund "Bogle started the First Index Investment Trust on December 31, 1975. At the time, it was heavily derided by competitors as being "un-American" and the fund itself was seen as "Bogle's folly".[3] Fidelity Investments Chairman Edw...
by bengal22
Sat Feb 21, 2015 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6673

Re: why do some people like Fidelity?

Both are excellent companies and I have mutual funds in both. Both have low cost index funds and enough offerings to have a decent portfolio. Fidelity is better at their customer service but Vanguard is adequate. My only downside with having portfolio spread over 2 companies is trying to rebalance a...
by bengal22
Sat Feb 21, 2015 7:58 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6673

Re: Market Top

never a consensus between experts. Since you cannot forecast the financial future stick to your asset allocation plan and hold the course.
by bengal22
Fri Feb 20, 2015 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 4914

Re: Music / Song Help

Well, I hate it, but some people like MacArthur Park Tangled up in blue MacArthur Park is a good one! But I've been trying to understand that song for 30 years. I still have no clue. Only thirty years? The song is over forty years old. If I remember correctly its about some guy that left his cake o...
by bengal22
Thu Feb 19, 2015 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2238

Re: Music / Song Help

Bob Dylan's Brownsville Girl
Allman Brothers' Whipping Post from Live at Fillmore East
Bob Dylan's Sad Eyed Lady of the Lowlands
by bengal22
Thu Feb 19, 2015 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2238

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

I am signature 117 and think that Mr. Bogle is very deserving of national recognition but if these award things were all based on merit Pete Rose would be in the Hall of Fame.
by bengal22
Sun Feb 15, 2015 4:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9016

Re: Recommend a movie for a lonely Boglehead on Valentine's

my go-to romantic comedy is WHEN HARRY MET SALLY
by bengal22
Sat Feb 14, 2015 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4446

Re: Car issues. [2009 Cadillac CTS - fix or sell]

surfstar wrote:
bengal22 wrote:I own a 2009 CTS and I have had zero issues(bought new) and love it. If the engine was ran empty of oil I can see where there is a problem. I am an older guy and I would much rather have a General Motors vehicle over any other domestic or oriental brands.


Inferred one from two.


nice
by bengal22
Thu Feb 12, 2015 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3509

Re: Car issues. [2009 Cadillac CTS - fix or sell]

I own a 2009 CTS and I have had zero issues(bought new) and love it. If the engine was ran empty of oil I can see where there is a problem. I am an older guy and I would much rather have a General Motors vehicle over any other domestic or oriental brands. it's pretty clear that model does have an e...
by bengal22
Thu Feb 12, 2015 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3509

Re: Car issues. [2009 Cadillac CTS - fix or sell]

I own a 2009 CTS and I have had zero issues(bought new) and love it. If the engine was ran empty of oil I can see where there is a problem. I am an older guy and I would much rather have a General Motors vehicle over any other domestic or oriental brands.
by bengal22
Tue Feb 10, 2015 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3509

Re: Valentine’s day dinner I could cook?

Google how to pan fry a new york strip with red wine. It is great. And easy you end up reducing the beef stock, red wine, and other ingredients and end up with a nicely seared steak with a great sauce. add a salad, asparagus, the rest of the red wine, and a little dessert from a high end grocery bak...
by bengal22
Mon Feb 09, 2015 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 2390

Re: Fidelity or Vanguard

Agree. I have both and find them equally as good. Vanguard chose low cost to expand their business and Fidelity chose low cost to expand their business. Not quite. Vanguard was always low cost with costs being reduced as Vanguard grew. Fidelity was originally high cost, and still is. They just adde...
by bengal22
Tue Feb 03, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 31
Views: 2980

Re: Fidelity or Vanguard

In other words, Vanguard's motivation is for me to be successful with their products, while Fidelity's motivation is to make as much money from my business as they can. Jeff I think you are quite naïve to believe this. Both Vanguard and Fidelity are determined to grow their business and have health...
by bengal22
Tue Feb 03, 2015 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 31
Views: 2980

Re: What to buy sweetie for Valentine's Day

make a contribution to a 529 in her name. See how well that goes over.
by bengal22
Tue Feb 03, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 5730

Re: Retire middle of year - How to sign up for ACA?

One other warning - IRS looks at annual income(MAGI) when calculating how much subsidy you receive.
by bengal22
Tue Feb 03, 2015 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1000

Re: Wiki comments requested: The importance of asset allocat

I do not know how to word the importance of "asset allocation" but I think it really is the cornerstone of successful investing for the common man/woman. without a well thought out plan(asset allocation) then one is really like a sailboat that is drifting aimlessly without a real anchor or...
by bengal22
Mon Feb 02, 2015 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10285

Re: Rules Of Thumb For Personal Finance?

I agree with # 6 only. Rule 2 contradicts 6 methinks. I think the WIKI here has the Boglehead investment philosophy. But my philosophy would be: 1. Take charge of your career and make a lot of money 2. Be generous to others with your monies 3. Invest to a set amount every pay period(make your invest...
by bengal22
Sun Feb 01, 2015 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rules Of Thumb For Personal Finance?
Replies: 20
Views: 2708

Re: Bringing up 529s to the grandparents

As a parent who has watched her children receive a lot gifts over the years I have a few thoughts. Remember that the grandparents are getting great joy out of buying/giving gifts and this is a special time for them too. Receiving unwanted gifts presents an opportunity to exercise good manners (be g...
by bengal22
Fri Jan 30, 2015 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 3194

Re: Bringing up 529s to the grandparents

I think one should just be grateful that the grandparents want to share in their kids life and to give them presents. I can see that look on my granddaughter's face if she saw that she got a 529 contribution. Woo-pee. I plan on contributing to her 529 and her college but dang if I am not going to gi...
by bengal22
Thu Jan 29, 2015 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 3194

Re: What mutual fund companies do you use?

fidelity and vanguard. both equally good at low cost index fund and I also like Wellington, Wellesley and Windsor 2 for my low cost active managed funds.
by bengal22
Tue Jan 27, 2015 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 3144

Re: Anyone regret paying off mortgage early?

I have not paid off my mortgage early and I have no regrets. For me, it is better financially to invest the monies that I would have used to pay off a 3.25% loan. However, I do congratulate those that did pay off their mortgage early and am very glad that it makes you feel more secure/happy. It is o...
by bengal22
Mon Jan 26, 2015 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38962

Re: Poll: Principles of Boglehead Philosophy

Live below your means is not even on the top 10 WIKI list. It does state "save all you can" but I think the emphasis is a lot different. I think some have kidnapped the BH philosophy and emphasized a frugal life style. I think the key is to live a balanced life throughout our life span(acc...
by bengal22
Sun Jan 25, 2015 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3820

Re: Where do you think the stock market heading this year?

Until the media ascertains the affect of "deflategate" on the U.S. economy, I really would be hesitate to hazard a guess upon the direction of the U.S. market.
by bengal22
Sun Jan 25, 2015 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do you think the stock market heading this year?
Replies: 20
Views: 1583

Re: Poll: Principles of Boglehead Philosophy

I still prefer living within your means. I care about the BH philosophy because it enables me to enjoy the things that I enjoy. I think living a frugal lifestyle where one lives below their means is wasting an awful lot of good years. Work hard/smart to have a great income, save to a reasonable goal...
by bengal22
Sat Jan 24, 2015 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3820

Re: Poll: Principles of Boglehead Philosopy

I chose: Keep investment cost low(which leads you to index funds) Diversify Get an investment plan and stick to it I think the comment "Live below your means" should be "live within your means". Bogleism does not advocate being over the top frugal. I think the characteristic - wo...
by bengal22
Fri Jan 23, 2015 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3820

Re: What Movie Have You Recently Watched?

Just saw Inherent Vice. Good thing I had just finished the book, which helped me understand what was going on.

It was a very good movie - P.T. Anderson directed it. If you want a logical A to Z plot don't go. You have to let it sort of flow around you. Just like a character from the 60's.
by bengal22
Thu Jan 22, 2015 7:52 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 563
Views: 68760

Re: I'm thinking about making very large 529 contributions A

why change strategy based on a speech.
by bengal22
Wed Jan 21, 2015 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5415

Re: What counts as "saving"?

Anytime you put monies aside to spend later is saving. Its also investing. Just because risk is low and return is low it is still investing.

Checkbook
Money Market
CD's
T Bills
Bonds
Junk Bonds
Mutual Funds
Stocks
Silver
Gold

Its all saving and it is all investing
by bengal22
Mon Jan 19, 2015 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6864

Re: What Book Are You Currently Reading? Part VI

Inherent Vice - Thomas Pynchon

Once finished I want to dig into a little harder Pynchon - maybe Mason/Dixon or V.
by bengal22
Fri Jan 16, 2015 9:48 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 503
Views: 67558

Re: Is a Sub-4% SWR a Boglehead Quirk?

For those who believe a 4% SWR is based on the worst of times, and feel that one should have and could have the flexibility to adjust the percentage based on good times and bad, I'm curious: If you were to make your annual draw from your portfolio today for 2015, what percentage would you use? I wo...
by bengal22
Tue Jan 13, 2015 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10786

Re: Is a Sub-4% SWR a Boglehead Quirk?

I guess my strategy is to really not have a strategy. I have a fixed level of spending that I can calculate pretty easy and I make major expenditures(vacations, cars) based upon my current income(market valuation, etc.). Maybe that is a strategy. It seems like if you withdraw 4% a year and your port...
by bengal22
Mon Jan 12, 2015 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10786

Re: Social Security and Pension Question:

I keep my portfolio and income separate when I calculate my AA. But it is really just semantics. Because I have a pension and future SS payments, I can be a little riskier(60/40) in my AA. So IMO you can factor in your income and treat it like a bond when you figure your risk assessment. In some way...
by bengal22
Fri Jan 09, 2015 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security and Pension Question:
Replies: 36
Views: 3616

Re: 50/50 simplicity

why is 50/50 simpler than 60/40. or 90/10. Actually 100/0 or 0/100 seems the simplest. why is the goal to be simple? Quick, rebalance $188k 60/40.... Now do it 50/50.... :) But yes, 0/100 or 100/0 are the simplest... :) Quick... why is the goal to be simple. That's the part I do not understand. If ...
by bengal22
Thu Jan 08, 2015 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3167

Re: 50/50 simplicity

why is 50/50 simpler than 60/40. or 90/10. Actually 100/0 or 0/100 seems the simplest. why is the goal to be simple? Quick, rebalance $188k 60/40.... Now do it 50/50.... :) But yes, 0/100 or 100/0 are the simplest... :) Quick... why is the goal to be simple. That's the part I do not understand. If ...
by bengal22
Wed Jan 07, 2015 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3167

Re: "Everything you need to know can be said in 100 words"

pretty well sums it up - and at exactly 100 words.

"Make all you can.
Save all you can.
Diversify.
Lower investment expense through index funds.

15 words.
by bengal22
Wed Jan 07, 2015 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: "Everything you need to know can be said in 100 words"
Replies: 4
Views: 1402

Re: 50/50 simplicity

why is 50/50 simpler than 60/40. or 90/10. Actually 100/0 or 0/100 seems the simplest. why is the goal to be simple?
by bengal22
Wed Jan 07, 2015 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3167

Re: Do you generally spend more when using credit cards?

why is there no option for spend less with credit card. poll bias perhaps? I find cash easier to spend and less trackable.

John
by bengal22
Tue Jan 06, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2745

Re: "The Global Portfolio" -- Vanguard Research

It just seems like we say it is impossible to forecast but yet we sure listen a lot to forecasts. Isn't having high incomes, investing a lot, and sticking with our AA still the best advice.
by bengal22
Sun Jan 04, 2015 9:55 am
 
Forum: Investing - Theory, News & General
Topic: "The Global Portfolio" -- Vanguard Research
Replies: 14
Views: 1128

Re: Paper Statements

I like paper copy as well. I check updates on line but I like a paper summary that I do not have to print.
by bengal22
Sun Jan 04, 2015 9:52 am
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3411

Re: My Christmas Message To You -- 70 Years Ago.

Merry Christmas, Taylor. Thanks for reminding us about sacrifice during this Christmas season.
by bengal22
Fri Dec 26, 2014 11:08 am
 
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 5234

Re: At what age did you find dream job?

Dream jobs were:

1. small forward for the Bulls
2. makeup artist for Playboy
3. Lead singer for Stones
4. Talking head for Sports Center
5. Ranger at a nice golf course with unlimited golf

Made number 5 in retirement
by bengal22
Wed Dec 17, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2849

Re: Looking for affordable winter activities.

Go to Florida in January, February. Boglehead philosophy toward investing allows one to enjoy the rewards without worry.
by bengal22
Tue Dec 09, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Looking for affordable winter activities.
Replies: 19
Views: 1667

Re: Stanley Kubrick's 2001 a space odyssey

Great Movie. It traces man's pursuit of knowledge(the stone is a metaphor for knowledge and also is a communication device from a world much further advanced than us). The movie traces man's progress from apes to outer space. Of course, the baby at the end is just an indicator that man is as the sta...
by bengal22
Wed Dec 03, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 5441
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