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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: 2698

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: 1638

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: 3973

Re: madsinger monthly report (November 2014)

Great to see this report on a WIKI page. I think it is important to benchmark our portfolio because it helps us understand the importance of Asset Allocation. Great Job.
by bengal22
Tue Dec 02, 2014 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2014)
Replies: 5
Views: 749

Re: Obamacre and solo 401K

Out of curiosity, what is obamacre. a farm?
by bengal22
Sat Nov 22, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare and solo 401K
Replies: 6
Views: 520

Re: Fund placement and expenses

why not option C - both funds at .2%. A higher expense ratio does not give you a better return. I understand that and of course in a perfect world Option C would be ideal. I'm trying to just understand the theory behind it. I select my funds based on my desired allocation(bonds, stocks, internation...
by bengal22
Wed Nov 19, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Fund placement and expenses
Replies: 7
Views: 546

Re: Fund placement and expenses

why not option C - both funds at .2%. A higher expense ratio does not give you a better return.
by bengal22
Wed Nov 19, 2014 8:44 am
 
Forum: Investing - Theory, News & General
Topic: Fund placement and expenses
Replies: 7
Views: 546

Re: Is it ever a good idea to co-own real estate with parent

Like the answer to most open-ended questions - IT DEPENDS. There is no blanket yes or no. It all depends upon the situation and the people involved.
by bengal22
Fri Nov 14, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Is it ever a good idea to co-own real estate with parents?
Replies: 20
Views: 1352

Re: Pension lump sum offer - am I thinking clearly?

Twelve years ago in 2002,upon reaching retirement age of 65, I had the option to take a pension plan payment option or a lump sum payment option. I had a "gut" feeling at the time about the financial stability of the company (a very large telecommunications company) and opted to take the ...
by bengal22
Fri Nov 07, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension lump sum offer - am I thinking clearly?
Replies: 32
Views: 2471

Re: How to use Vanguard Portfolio Watch for rebalancing

I use the Vanguard Portfolio as well. It is a good tool. However, it refuses to treat the Fidelity Total U.S. stock index properly(counts it as 100% large cap) so I have to go to Portfolio analysis and subsitute the Vanguard Total US Stock Index to get an accurate account for small and mid cap stock...
by bengal22
Thu Nov 06, 2014 7:57 am
 
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 20
Views: 3860

Re: Critically Acclaimed Movies you did not like

Donnie Baseball Fan wrote:
Levett wrote:Memento--handily.



+1 for Memento. How it has a 92% on Rotten Tomatoes is beyond my comprehension.


Because 92% of the reviewers thought it was good.
by bengal22
Fri Oct 17, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 14258

Re: What will you do when you retire?

I think the great thing(IMO) is that I have the ability to do what I choose. 1st Year - some travel, volunteered for AARP taxes, read, hung out at the pool, golfed, volunteered at the city art center(orchestra, plays, music, etc.{ 2nd Year - about the same, but I worked at a golf course for 6 months...
by bengal22
Fri Oct 17, 2014 3:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 39
Views: 4349

Re: Critically Acclaimed Movies you did not like

I did not get "Sideways" Most of the other movies mentioned above I thought were excellent. Easy Rider: I think it depends what viewpoint you are watching it from. Having grown up in the 60's - I loved it. Jack N is worth the price of admission Anything Stanley Kubrick did(except for Eyes ...
by bengal22
Tue Oct 07, 2014 6:59 am
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 14258

Re: Obese airline passenger

I think the bottom line is that the airlines, trying to survive, squeeze as many people into airplanes as they can. Unless you are abnormally small, it is hard to be comfortable in coach. I am 6'4", not because I eat two meals on an airplane but because of genetics, and I always have issues whe...
by bengal22
Sun Sep 28, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 5057

Re: Fear of Disclosing Net Worth

I would suspect "they" already know. If you spend time on the computer or buy with plastic, there is loads of data on your spending habits, your leisure time habits, etc. etc. etc. THEY KNOW ALREADY. Spending and net worth are two entirely different things. My point is that there is a ver...
by bengal22
Sun Aug 10, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8418

Re: Fear of Disclosing Net Worth

I would suspect "they" already know. If you spend time on the computer or buy with plastic, there is loads of data on your spending habits, your leisure time habits, etc. etc. etc. THEY KNOW ALREADY. I would not worry about it if you feel the need for financial advice.
by bengal22
Sun Aug 10, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8418

Re: Who or what inspired you and your investing approach?

Shakespeare... "Never a lender or borrower be"
by bengal22
Wed Aug 06, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4790

Re: Defining what an expense ratio means for individuals

1% of your holdings in the fund are siphoned away annually. Regardless of the fund's performance. The lower the expense ratio the better.
by bengal22
Tue Jul 22, 2014 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1698

Re: Poll - Do you use Quicken?

used Quicken for many years but for the last 10 years, I have not needed it.
by bengal22
Mon Jul 21, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5604

Re: Anyone know a good coin dealer in Dayton, Ohio?

no but if you want a good steak go to the Pine Club.
by bengal22
Sun Jul 20, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know a good coin dealer in Dayton, Ohio?
Replies: 7
Views: 717

Re: how often do you look at your account

when it is going up I look all of the time. In the other direction, I tend to watch more sports.
by bengal22
Sun Jul 20, 2014 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3799

Re: Have you quit your job because of your boss?

Sometimes people with 28 years senority are not very adaptable. They think they have earned the right to coast or not to change or not to try new things. Sometimes we need to look inward when we are unhappy with a coworker or a boss. Maybe he is just trying to make some needed changes. I had a boss ...
by bengal22
Sun Jul 13, 2014 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7770

Re: Financial Literacy Quiz by FINRA

Go Utah. 3.23. Wyoming was strong as well. Maybe low population area equal stronger financial intelligence.
by bengal22
Tue Jun 24, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Literacy Quiz by FINRA
Replies: 18
Views: 1092

Re: Target Date and Not a Number

I always think that your SS and pension can help count toward your fixed cost of the AA. Based on that I always used age - 10 in bonds. So the 60-40 might be an option. However, I don't always follow my own advice because I tend to be a little riskier with my AA. 60-40 and I am 62. But I think the f...
by bengal22
Sun Jun 01, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date and Not a Number
Replies: 5
Views: 528

for merge back into The in-laws are broke!

do whatever your wife decides. That has been the secret to my successful marriage. We made an agreement before we got married that I would make all major decisions and she would make all minor decisions. In 38 years of marital bliss we have not faced any major decisions. I hope this is said tongue ...
by bengal22
Mon May 26, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16650

Re: The in-laws are broke!

do whatever your wife decides. That has been the secret to my successful marriage. We made an agreement before we got married that I would make all major decisions and she would make all minor decisions. In 38 years of marital bliss we have not faced any major decisions.
by bengal22
Sun May 25, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16650

Re: My front lawn is horrible

advice? sit on the back porch
by bengal22
Sat May 03, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: My front lawn is horrible
Replies: 29
Views: 3447

Re: Graduation books gift for a 24 year old

'Oh the places I could go" by Dr. Seuss
by bengal22
Mon Apr 21, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Graduation books gift for a 24 year old
Replies: 22
Views: 1720

Re: Baby Boomers: Top 10 Movies

I think the writer was trying to list the spirit of the Baby Boomers. I agree that Dazed and Confused has no reason being on the list. Other films that I think defined the baby boomers were

Hard Day's Night
Cool Hand Luke
by bengal22
Sat Apr 19, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 49
Views: 4198

Re: Where to put RMDs in budget?

just moving monies from one pocket to the other. No income, no expense.

However, the tax you pay on the RMD is an expense.

Without the tax your networth would be constant but the tax takes a bite out of it.
by bengal22
Sat Apr 19, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 16
Views: 1114

Re: How much is rich?

Well this has become a total threadjack. I was speaking monetarily, not about what makes people feel that they have had a successful life. I am always interested on why this question is so hard to answer or why people try to avoid answering it. I think you totally miss the point. You cannot define ...
by bengal22
Sun Apr 13, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2850

Re: How much is rich?

got a good roof over my head got a good woman to share my burden got great kids to share my laughter don't have to worry about my next meal now I have a 2 week granddaughter to share my love I am rich beyond my wildest dreams darrius rucker said it better but you get the point. seems lucicrous to wo...
by bengal22
Sun Apr 13, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2850

Re: Stock markets in free fall?

OP's comment was tongue in cheek. note the wink
by bengal22
Fri Apr 11, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 7357

Re: Two Years Free Toyota Service

So the 2 year free service ends 2 years after you purchase the vehicle?
by bengal22
Sat Apr 05, 2014 6:37 am
 
Forum: Personal Consumer Issues
Topic: Two Years Free Toyota Service
Replies: 8
Views: 833

Re: Pay Off Mortgage

A lot of people are citing a wonderful, fabulous, magical feeling as one of the benefits of paying the mortgage early. Which is great if that is the kind of person you are. I did not think I would experience that feeling of relief and freedom. Turns out I was right. No magical feelings occurred. Pa...
by bengal22
Fri Apr 04, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4099

Re: I accidentally discovered a coworkers salary... now what

I always had the philosophy that I only worried about what I earned versus what I considered my expectations. Comparing yourself to others on wages and many other aspects is a recipe for unhappiness. If you were previously satisfied with what you made, and are getting generous raises, then be happy ...
by bengal22
Fri Apr 04, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 6305

Re: Best TV Shows and YouTube channels related to money?

My favorite is NFL Live on Sunday afternoon.
by bengal22
Fri Apr 04, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1214

Re: How did you determine your "number" for retirement

My number was "60." Age 60 that is. I used the "ready or not here I come" strategy.
by bengal22
Thu Apr 03, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3712

Re: Pay Off Mortgage

I would not run down my taxable portion of my portfolio to almost zero just to feel good. You can feel good just by knowing you can pay off your mortgage if you so choose. Your net worth does not change. I think with a mortgage less than 4%, and the deduction you get on your federal income tax you a...
by bengal22
Wed Apr 02, 2014 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4099

Re: Death of co-worker

I think if one looks at their career as a prison sentence then yes this death should be a cautionary tale where one should retire as soon as possible. However, if one enjoys his vocation, and utilizes his free time to build relationships and experience life then retirement is just an easy transition...
by bengal22
Mon Mar 31, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 10459

Re: New Friends are the Anti-Bogleheads, what to do?

If you make 400K a year, you can still spend a lot and be a good saver. Enjoy their company.
by bengal22
Sun Mar 30, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 9166

Re: Teaching Kids Money Management (under age 10)

I think that under age 10 if you can get your children to do chores and take responsibility that they will be a leg up on their peers. Instilling a decent work ethic and having strong values will go more toward earning potential, which in my book is the biggest factor in financial success. If they h...
by bengal22
Tue Mar 25, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Teaching Kids Money Management (under age 10)
Replies: 11
Views: 1087

Re: BBQ Road Trip

not in your area but the best nevertheless. Oklahoma Joe's in K.C., Kansas.
by bengal22
Tue Mar 25, 2014 7:18 am
 
Forum: Personal Consumer Issues
Topic: BBQ Road Trip
Replies: 50
Views: 3389

Re: Do you work part time in retirement?

Julieta wrote:What are your subsidies? I am not familiar with that term.


ACA(health care) provides subsidies based on your income when you get insurance through the federal health care program. Being retired makes it easier to keep your income low enough to receive them
by bengal22
Mon Mar 24, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 4453

Re: Do you work part time in retirement?

I currently work part time at minimum range at a golf course. First job I have had where I want to go into work when I am not scheduled and just play around(a round). Job may impact my ACA subsidies by a few dollars.
by bengal22
Mon Mar 24, 2014 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 4453

Re: Tax and ACA ?

jeffyscott wrote:
archbish99 wrote:Again, you should investigate Texan state taxes, but it seems like you have a reasonable argument that you would have no Texas income -- you'll be working in Mexico and a resident of another US state.


Texas has no income tax.


that is why it would be good to have income reported in Texas
by bengal22
Sun Mar 16, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax and ACA ?
Replies: 12
Views: 1059

Re: Premium Products That Are Worth It To You

So, yesterday morning completed assembly of my new Weber Genesis grill. Not a small undertaking. At the risk of pointing out the obvious, don't begin grill assembly if there is even the slightest chance of rain in the forecast. Yesterday was the completion of a process that began Saturday afternoon...
by bengal22
Sun Mar 16, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 41370

Re: Tax and ACA ?

Thanks for the replies. It will be a definite learning experience.
by bengal22
Sun Mar 16, 2014 6:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax and ACA ?
Replies: 12
Views: 1059

Re: Tax and ACA ?

Bengal, I"m figuring that under the best of circumstances, the maximum subsidy compared to buying a policy for oneself might save maybe 5 or 6 or 8 K per year and I think it is limited to bronze policies (maybe silver). I am reading a lot of writings similar to your question where people will ...
by bengal22
Sat Mar 15, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax and ACA ?
Replies: 12
Views: 1059
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