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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: 34
Views: 1897

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: 34
Views: 1897

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: 778

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: 1821

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: 53
Views: 3470

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: 78
Views: 5446

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: 76
Views: 4706

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: 423

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: 103
Views: 8288

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: 50
Views: 2622

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: 6183

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: 38
Views: 1559

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: 3484

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: 2008

Re: If you could send an investment message 10 years in the

Take all of your money and bet on Seattle Seahawks in 2014 SuperBowl and then take all of the winnings and bet on New England in 2015 Super Bowl. Sometimes you have to go back to the future to be successful. Can we establish that betting and investing aren't the same thing? If you know the results ...
by bengal22
Tue Mar 10, 2015 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4261

Re: Malkiel's "Random Walk..." Questions

I am far from an expert but here are my answers to your question: 1. Way back in the early 80's in my business class we all randomly picked 7-10 stocks and then compared them to a major index. Cannot remember but it was probably the S&P 500. From what I can remember we all pretty well tracked th...
by bengal22
Tue Mar 10, 2015 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Malkiel's "Random Walk..." Questions
Replies: 28
Views: 2427

Re: If you could send an investment message 10 years in the

Take all of your money and bet on Seattle Seahawks in 2014 SuperBowl and then take all of the winnings and bet on New England in 2015 Super Bowl. Sometimes you have to go back to the future to be successful.
by bengal22
Tue Mar 10, 2015 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4261

Re: Will you buy an Apple Watch?

not yet.
by bengal22
Tue Mar 10, 2015 10:00 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 318
Views: 15860

Re: Poll Is a mortgage payment an investment

Buying a HOME typically involves a lot of money. Regardless of semantics I always treated it as an investment because I only wanted to have the sell event in mind. If it was not an investment you might not care what neighborhood you lived in, what eyesores were around, etc.
by bengal22
Sun Mar 08, 2015 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you consider mortgage payments an investment?
Replies: 58
Views: 3662

Re: What is your favorite consumer product?

Graeter's Ice Cream. Especially the free sundae during my birthday week.
by bengal22
Sat Mar 07, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 11211

Re: Do you consider mortgage payments as savings?

A lot of debate on this issue! I only calculate my retirement savings rate, but I would have no problem counting my mortgage principal payment in a total savings calculation. For my monthly budget, I do consider my entire mortgage payment as an "expense" because it is money going out on a...
by bengal22
Sat Mar 07, 2015 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20077

Re: When will / did you claim Social Security benefits?

I took SS at FRA = 66 and retired 3 months later. This was 4 years ago. I thought I had planned my retirement really well and had my plan reviewed by financial planners twice shortly before retiring. DW and I took a retirement class at local CC shortly before retirement and the CFP instructor never...
by bengal22
Sat Mar 07, 2015 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 133
Views: 9613

Re: How do you structure/hold your Emergency Funds (EF)?

My taxable portion of portfolio is liquid so that is my Emergency Fund.
by bengal22
Sat Mar 07, 2015 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you structure/hold your Emergency Funds (EF)?
Replies: 22
Views: 2478

Re: When will / did you claim Social Security benefits?

Current Plan(wife 2 years younger) wife takes SS at 62 - her benefit I take SS at FRA at 66 - my benefit Wife converts to spousal at same time, However, depending upon things this could change when I turn 66. Maybe I file and suspend and she still takes spousal. But with RMD starting at 70 1/2 maybe...
by bengal22
Fri Mar 06, 2015 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 133
Views: 9613

Re: Do you consider mortgage payments as savings?

I count mortgage payments as an expense. I count mortgage loan balance as a liability when calculating net worth. So making mortgage payments help net worth . You are still confused. Making a mortgage payment increases your equity in the home. It does nothing for your overall net worth. Actually it...
by bengal22
Tue Mar 03, 2015 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20077

Re: Taylor Larimore Honored

Fantastic article. What a wonderful way to discover your passion - have it blown into your yard. Even in the worst of times you can find your dreams.

Thanks for your sacrificial serving, Taylor, in WW2 and thanks for your continued serving in this forum.
by bengal22
Tue Mar 03, 2015 8:11 am
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 4874

Re: Do you consider mortgage payments as savings?

I count mortgage payments as an expense.

I count mortgage loan balance as a liability when calculating net worth. So making mortgage payments help net worth.
by bengal22
Mon Mar 02, 2015 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20077

Re: Work wants me to train for promotion before giving it to

I would just train and accept the new responsibilities. Its tricky giving hard deadlines since HR usually takes its own time. Each company has their own hoops to jump through and approvals. So I would let HR take its time. Think of it like this, what if you don't accept and they give it to someone ...
by bengal22
Mon Mar 02, 2015 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Work wants me to train for promotion before giving it to me?
Replies: 18
Views: 1252

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: 1774

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: 1356

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: 1356

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: 57
Views: 3369

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: 5952

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: 370

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: 6874

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: 6874

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: 5205

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: 2370

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: 2370

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: 182
Views: 11528

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: 4686

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: 3598

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: 3598

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: 3598

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: 2433

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: 3016

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: 3016

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: 5834

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: 1008

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: 10597
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